Useful Information

u Funds Transfer 1

u Investment and Insurance Providers 3

u Pricing Guide 5

u Privacy 9 Citibank Singapore Ltd International Personal Bank 24-Hour CitiPhone Banking Robinson Road P.O. Box 0361 T: +65 6224 5757 Singapore 900711 F: +65 6632 4759 Co Reg. No. 200309485K www.ipb.citibank.com.sg

Citibank

Banking Security Tips • Do not share your Login ID and Password • Advise the bank immediately of any potential compromise of password. • Do not send personal and confidential information to the bank via email. • Safeguard your personal checkbook and/or online security device. • Do not sign on any blank/incomplete form. • For any query or discrepancy on your account, please write to the attention of Client Support Services or call our 24-Hour CitiPhone Banking at +65 6224 5757 immediately. 200309485K Co.Reg.No.

© 2015 Citibank. Citibank is a registered service mark of Citigroup Inc. Citibank Singapore Limited Co.Reg.No. 200309485K Printed on 12/2015/NRI 2 Citibank Singapore Ltd International Personal Bank 24-Hour CitiPhone Banking Robinson Road P.O. Box 0361 T: +65 6224 5757 Singapore 900711 F: +65 6632 4759 Co Reg. No. 200309485K www.ipb.citibank.com.sg

Citibank Funds Transfer

4 Ways to Remit Funds to Your Citibank Account 1. Demand Drafts u First, determine which currency you would like to invest in.

u Then, go to any Citibank branch worldwide or an international bank to buy the draft in your name. Please ensure that the draft is drawn on a bank in the country of the currency of the draft; eg. a US$ draft should be drawn on a bank in the United States.

u Specify your instructions on how you would like the funds to be placed.

Eg. Place enclosed draft of on deposit into new/existing† amount tenure Account Number when cleared. Send your draft and deposit instructions to : Citibank Singapore Ltd Robinson Road P.O. Box 0361 Singapore 900711 It takes 1 day to clear S$ drafts, minimum 3 days for US$ drafts drawn in Singapore, 7 days for US$ drafts drawn in USA and at least 21 days for other currency drafts. Withdrawals are allowed only after 1 month (1 day for S$ drafts). † Please delete accordingly

2. Personal Checks u Cross your checks and make them payable to yourself. Clearing time may take longer than drafts. Procedure is similar to draft.

3. Telegraphic Transfer u Determine the currency of your remittance.

u Use the Interbank Funds Transfer Form overleaf when you are giving instructions at your remitting bank. You can also visit any Citibank branch worldwide or a bank familiar with international funds remittance for assistance.

u To ensure that the inward remittance amount received at Citibank is exactly your intended deposit amount, please inform your remitting bank to “Pay the Beneficiary in full”.

4. Citibank Global Transfer (CGT) u Transfer funds online from your local Citibank account to your account in Citibank Singapore on a real time basis.

u Please visit www.ipb.citibank.com.sg

For further assistance, please contact or visit us :

www.ipb.citibank.com.sg 23 Church Street #07-01 Capital Square 24-Hour Account Opening Hotline Singapore 049481 +65 6328 8168 24-Hour CitiPhone Banking +65 6224 5757 Banking Hours Monday - Friday : 9:30am - 6:00pm Fax +65 6632 4759

† Please delete accordingly 200309485K Co.Reg.No. 200309485K Co.Reg.No.

2 © 2015 Citibank. Citibank is a registered service mark of Citigroup Inc. Citibank Singapore Limited Co.Reg.No. 200309485K Printed on 12/2015/NRI 1 Interbank Funds Transfer Form Please provide the remitting bank with the following information and call your Citibank Relationship Manager to specify your instructions for the funds. To ensure that the inward remittance amount received at Citibank is exactly your intended deposit amount, please inform your remitting bank to “Pay the Beneficiary in full”.

For Remittance in US$

❑ Please remit US$ to my Citibank Singapore Account.

Amount to be Remitted : US$

Beneficiary Bank : Citibank Singapore Ltd Attn : NRI, SWIFT Code : CITISGSGGCB

Corresponding Bank : For US Dollar CR Citibank New York for account of Citibank Singapore No. 36072698 Attn : NRI

Beneficiary Name (e.g. Your Name) :

Beneficiary’s Account No. :

US$ Transaction Account No. — —

For Remittance in Other Currencies

❑ Please remit money to my Citibank Singapore Account.

Currency & Amount to be Remitted : Currency Amount

Beneficiary Bank : Citibank Singapore Ltd Attn : NRI, SWIFT Code : CITISGSGGCB

Corresponding Bank (Please tick one of the following)

Currency Correspondent Correspondent Bank Name Bank SWIFT Code EUR, GBP, CHF CITIGB2L Citibank London AUD CITIAU2X Citibank Sydney CAD CITICATTBCH Citibank N.A. Canadian Branch HKD CITIHKHX Citibank Hong Kong JPY CITIJPJT Citibank Tokyo NZD CITINZ2X Citibank Auckland USD CITIUS33 Citibank New York ZAR CITIZAJX Citibank Johannesburg AED CITIAEAD Citibank Dubai

Beneficiary Name (e.g. Your Name) :

Beneficiary’s Account No. :

❑ Transaction Account No. — —

❑ Others : 200309485K Co.Reg.No.

© 2015 Citibank. Citibank is a registered service mark of Citigroup Inc. Citibank Singapore Limited Co.Reg.No. 200309485K Printed on 12/2015 2 Citibank Singapore Ltd International Personal Bank 24-Hour CitiPhone Banking Robinson Road P.O. Box 0361 T: +65 6224 5757 Singapore 900711 F: +65 6632 4759 Co Reg. No. 200309485K www.ipb.citibank.com.sg

Citibank Investment and Insurance Providers

u Investment Product Provider / Address

Aberdeen Asset Management FIL Investment Management Kotak Mahindra (UK) Ltd. Sun Life Assurance Company of Asia Limited (Singapore) Limited Singapore Branch Canada 21 Church Street 8 Marina View #35 02/03, 16 Raffles Quay 11 Victoria Street #35-06, Asia Square Tower 1 #01-01 Capital Square Two Singapore-048581 Hamilton, HM 11 Singapore 018960 Singapore 049480 Bermuda MFS INTERNATIONAL SINGAPORE Goldman Sachs (Singapore) Pte. PTE LTD Franklin Templeton Investments AllianceBernstein Singapore 1 Raffles Link #07-01 South Lobby One Raffles Quay, Singapore 039393 501 Orchard Road #13-01 7 Temasek Boulevard #38-03 #27-11, South Tower Wheelock Place Singapore 238880 Suntec Tower One Singapore 048583 Henderson Global Investors Singapore 038987 Pictet Asset Management (Hong (S) Ltd Kong) Ltd Allianz Global Investors UBS Global Asset Management 6 Battery Road #12-01 8-9/F Chater House Singapore Limited (Singapore) Ltd Singapore 049909 8 Connaught Road Central 3 Temasek Avenue One Raffles Quay#50-01 Hong Kong North Tower, Singapore 048583 #07-05 Centennial Tower India Advantage Fund Ltd. Singapore 039190 IFS Court, Twenty Eight, PIMCO Asia Pte Ltd UOB Asset Management Cyber city, Ebene, 501 Orchard Road #08-03 80 Raffles Place Blackrock (Singapore) Ltd Mauritius. Wheelock Place, UOB Plaza 2 #03-00 20 Anson Road #18-01 Singapore 238880 Singapore 048624 Singapore 079912 INVESCO Asset Management Asia Limited Reliance Asset Management UTI International (Singapore) BNP Paribas Investment (Singapore) 41/F Citibank Tower Private Limited Partners Singapore Limited 3 Garden Road, Central, Hong Kong 9 Raffles Place#18-05 20 Collyer Quay #01-01 Republic Plaza 3 Raffles Place, #08-02 Tung Centre, Singapore 049319 Singapore 048619 Bharat Building, Janus Capital Asia Limited Singapore 048617 2506 -11 ICBC Tower Schroder Investment Management Deutsche Asset Management Citibank Plaza 3 Garden Road (Asia) Limited (Singapore) Limited Value Partners Asset Management Central, Hong Kong One Raffles Quay, #15-00 138 Market Street #23-02 Singapore Pte Ltd South Tower, Singapore 048583 CapitaGreen Singapore 048946 9 Raffles Place J.P. Morgan Asset Management #18-06 Republic Plaza (Singapore) Ltd Singapore 048619 Eastspring Investments (Singapore) 168 Robinson Road Limited 10 Marina Boulevard, 16th Floor Capital Tower #32-01 Marina Bay Financial Centre Singapore 068912 Tower 2, Singapore 018983

AIA Singapore Zurich International Life Zurich International Life Private Limited Zurich HelpPoint Zurich HelpPoint C/o Partnership Distribution – Bancassurance P.O. Box 50389 P.O. Box 10032 No. 1 Robinson Road Level 4, Building 3 27th Floor #10-00 AIA Tower Emaar Square Almoayyed Tower Singapore 048542 Dubai Seef District United Arab Emirates Kingdom of Bahrain

The above list is correct as of December 2015 and is subject to change without prior notice. Please call our 24-Hour CitiPhone Banking or your Relationship Manager for the latest copy. 200309485K Co.Reg.No. 200309485K Co.Reg.No.

2 3 Citibank Singapore Ltd International Personal Bank 24-Hour CitiPhone Banking Robinson Road P.O. Box 0361 T: +65 6224 5757 Singapore 900711 F: +65 6632 4759 Co Reg. No. 200309485K www.ipb.citibank.com.sg

Citibank

with our products and services or discussion with any of our certified advisors, please write in to the attention of:

or email us from our website at [email protected], or call our 24-Hour CitiPhone Banking at +65 6224 5757.

Should you decide that you would like to have an external review of your concerns, you may seek assistance of FIDReC (Financial Industry Disputes Resolution Centre Ltd). For further information on FIDReC and its contact details please refer to the following website: http://fidrec.com.sg/website/index.html

Reply Form P

Please +65 6632 4759 or +65 6224 5757 200309485K Co.Reg.No.

© 2015 Citibank. Citibank is a registered service mark of Citigroup Inc. Citibank Singapore Limited Co.Reg.No. 200309485K Printed on 12/2015 4 Citibank Singapore Ltd International Personal Bank 24-Hour CitiPhone Banking Robinson Road P.O. Box 0361 T: +65 6224 5757 Singapore 900711 F: +65 6632 4759 Co Reg. No. 200309485K www.ipb.citibank.com.sg

Citibank Pricing Guide

Here are the detailed charges of major products and services available in Citibank.

u Foreign Currency Time Deposits There is a wide range of currencies to choose from with tenures from 1 week to 12 months. Interest rates paid vary according to the tenure and amount deposited. With just one call to our 24-Hour CitiPhone Banking and the use of your Customer Identification Number (CIN) and Telephone Personal Identification Number (TPIN), you can switch tenures or currencies of your time deposits at your convenience.

Available in : • US Dollar • Australian Dollar • Canadian Dollar • Euro • Swiss Franc • Japanese Yen • New Zealand Dollar • Sterling Pound • Hong Kong Dollar • Offshore Renminbi • Singapore Dollar • South African Rand

Minimum initial deposit US$20,000 or equivalent Deposits via : Withdrawals via :

a) Foreign currency notes a) Foreign currency notes2 - Involving foreign Based on Citibank’s prevailing - Involving foreign Based on Citibank’s prevailing exchange exchange rate exchange exchange rate - Not involving foreign 1% commission in-lieu-of - Not involving foreign 1% commission in-lieu-of exchange exchange (minimum $10) exchange2 exchange (minimum $10)

b) Telegraphic transfers b) Telegraphic transfers S$40 for Citibanking and S$30 - US$ or S$ No charge and immediate value for Citigold customers given - Other currencies No charge and subject to spot c) Demand Drafts No charge but postage cost value - Same party as (where applicable). Commission Third party and other charges which may be applicable to inward remittances, account holder waived for first transaction only. will be passed along at net without mark-up or commission. To ensure that the inward remittance amount received at Citibank is exactly your intended deposit - Third party 1/8% commission (minimum amount, please inform your remitting bank to “Pay the Beneficiary in full”. $20) plus postage cost (where

applicable) c) Travellers Checks (TCs) - Involving foreign $20 per transaction d) Cashier’s Order in exchange Singapore Dollars - Not involving foreign 1% commission (minimum $10 - Same party as No charge but postage cost exchange in lieu of exchange plus $20 per account holder (where applicable). Commission transaction) waived for first transaction only. - Third party $10 per check plus postage d) S$ checks drawn on No charge and local clearing with (where applicable) banks in Singapore next business day value date

e) US$ checks drawn on e) Cashier’s Order in US banks in Singapore Dollars - For participating US$5 per check with 3 business - Same party as No charge but postage cost banks in the MAS US$ days clearance account holder (where applicable). Commission clearing system waived for first transaction only. - For non-participating Checks will be sent to the drawee - Third party 1/8% commission (minimum banks bank in exchange for sight drafts. $20) and postage cost (where Upon receipt of sight drafts, there applicable) will be a 7-day hold period prior to establishment of deposit

f) Checks and demand Checks will be sent for collection drafts drawn on banks prior to establishment of deposit. outside their domicile Collection charges will apply. country1 - Involving foreign Collection charges: 1/8% exchange commission (minimum $100) plus postage cost (where applicable) - Not involving foreign Collection charges: 3/8% exchange commission (minimum $200) plus

200309485K Co.Reg.No. postage cost (where applicable) 200309485K Co.Reg.No.

1 Acceptance of these checks/drafts/currencies is at the sole discretion of the bank. 4 2 Subject to availability. Large withdrawals may be subject to arrangement costs. 5 u Foreign Currency Time Deposits (continued from Pg 5)

Deposits via : Withdrawals via :

g) Other foreign currency No charge but subject to a hold f) SHIFT Local Electronic $20 per transaction checks and demand period prior to establishment of Funds Transfer (in S$) drafts drawn on country deposit of currency1 e.g. US$ checks drawn in USA

1 Acceptance of these checks/drafts/currencies is at the sole discretion of the bank. CashPlus Withdrawals 2 Subject to availability. Large withdrawals may be subject to arrangement costs. (Foreign Currency Overnight Deposits) a) Drafts and Travellers Checks - Involving foreign 1/8% commission (minimum exchange $20) plus postage - Not involving foreign 1/8% commission (minimum exchange $20) plus 1/8% in-lieu-of exchange (minimum $10) and postage

b) Telegraphic Transfers S$40 for Citibanking and S$30 for Citigold customers

u Transaction Accounts We offer 3 types of Transaction Accounts for greater flexibility. • Savings Accounts are available in 10 currencies and let you earn a competitive daily interest that is credited monthly to your account. • US Dollar Checking Account pays daily interest. A US$ check can be cleared via Singapore (for US$ payments in Singapore). A new checkbook is automatically issued to you when your supply is low. • S$ MaxiSave Account, which pays daily interest, combines savings and checking facilities in a single account. A new checkbook is automatically issued to you when your supply is low.

Minimum initial deposit for : Personal Business

• Savings Accounts - AED, AUD, CAD, CHF, EUR, HKD, NZD, JPY, STG US$5,000 N.A. - SGD $5,000 N.A.

• Checking Accounts - US Dollar Checking Account US$5,000 US$20,000 - S$ MaxiSave Account $5,000 $30,000

Deposits via : Withdrawals via :

b) Telegraphic transfers b) Telegraphic transfers S$40 for Citibanking and S$30 - US$ or S$ No charge and immediate for Citigold customers value given - Other currencies No charge and subject to spot c) Demand Drafts value - Involving foreign 1/8% commission (minimum $20) exchange and postage cost (where Third party and other charges which may be applicable to inward applicable) remittances, will be passed along at net without mark-up or commission. To ensure that the inward remittance amount received at Citibank is - Not involving foreign 1/8% commission (minimum $20) exactly your intended deposit amount, please inform your remitting bank exchange plus 1/8% in-lieu-of exchange to “Pay the Beneficiary in full”. (minimum $10) and postage cost (where applicable) c) Travellers Checks (TCs) - Involving foreign $20 per transaction exchange - Not involving foreign 1% commission (minimum $10 exchange in lieu of exchange plus $20 per transaction) 200309485K Co.Reg.No. d) S$ checks drawn on No charge and immediate value banks in Singapore given 6 u Transaction Accounts (continued from Pg 6) Deposits via : Withdrawals via :

e) US$ checks drawn on d) Cashier’s Order in banks in Singapore Singapore Dollars - For participating banks S$ Transaction Accounts: - Same party as $10 per check plus postage in the MAS US$ clearing Converted at drawee bank’s account holder (where applicable) buying rate and immediate value system $10 per check plus postage given - Third party (where applicable) Foreign Currency Transaction Accounts: US$5 per check with 3 business days clearance - For non-participating S$ Transaction Accounts: banks Converted at drawee bank’s buying rate and immediate value given Foreign Currency Transaction Accounts: Checks will be sent to the drawee bank in exchange for sight drafts. Upon receipt of sight drafts, there will be a 7-day hold period prior to establishment of deposit.

f) Checks and demand drafts Checks will be sent for collection e) Cashier’s Order in drawn on banks outside prior to establishment of deposit. US Dollars their domicile country1 Collection charges will apply. - Involving foreign 1/8% commission (minimum $20) - Involving foreign Collection charges: 1/8% exchange and postage cost (where exchange commission (minimum $100) plus postage cost applicable) (where applicable) - Not involving foreign 1/8% commission (minimum $20) exchange plus 1/8% in-lieu-of exchange - Not involving foreign Collection charges: 3/8% (minimum $10) and postage cost exchange commission (minimum $200) plus postage cost (where applicable) (where applicable)

g) Other foreign currency $5 per check and subject f) SHIFT Local Electronic $20 per transaction checks and demand drafts to a hold period prior to Funds Transfer (in S$) drawn on country of establishment of deposit currency1 e.g. US$ checks drawn in USA

1 Acceptance of these checks/drafts/currencies is at the sole discretion of the bank. 2 Subject to availability. Large withdrawals may be subject to arrangement costs. u Brokerage u Transaction Accounts (continued from Pg 6) US Market Other Fees & Charges : Charge Description Internet / Phone a) Stop payment for checks Mobile Rate Rate - Singapore Dollar Account $30 per check Securities Trading in USD - USD Dollar Account US$30 per check • Minimum Fee US$29 US$49 • Below US$50,000 0.35% 0.60% b) Returned checks • US$50,000 and above 0.30% 0.50% - Singapore Dollar Account $30 per check for all return reasons - USD Dollar Account US$30 per check for all return SEC Fee reasons • Sell transactions only 0.00174% of trade amount

c) Marked checks Securities Transfer - Marked through clearing $20 per check • Transfer in Free - Direct marking $30 per check plus transport cost • Transfer out US$30 per counter

d) Checkbook replenishment Free Custodian Fee • Semi-annual charge 0.02% of average monthly e) ATM transactions Free. No charge from Citibank stockholding balance; capped at (local and overseas) Singapore but local and overseas US$100. ATM charges may apply Singapore Market Charge Description Internet / Phone f) Foreign checks sent for Mobile Rate Rate overseas collection 1/8% commission (minimum $100) Securities Trading in SGD - Involving foreign plus postage or cable cost (where • Minimum Fee S$39 S$59 exchange applicable) • Below S$50,000 0.40% 0.60% - Not involving foreign 3/8% commission (minimum $200) • S$50,000 to S$100,000 0.35% 0.55% exchange plus postage or cable cost (where • Above S$100,000 0.30% 0.50%

200309485K Co.Reg.No. applicable) 200309485K Co.Reg.No.

6 7 u u Brokerage (continued from Pg 7) Travellers Checks (TCs)

Singapore Market Encashment Securities Transfer • Involving foreign exchange $20 per transaction • Transfer in Free • Transfer out Varies according to request. • Not involving foreign 1% commission Please contact your Relationship exchange (minimum $10) in-lieu-of Manager for more details. exchange, plus $20 Custodian Fee per transaction • Semi-annual charge 0.02% of average monthly stockholding balance; capped at S$100.

Other Charges u Collection Inward / Outward Bill • Clearing Fee 0.04% (charged by CDP on the contract value, subject to a Clean maximum of S$600) • Commission 1/8% on check amount • SGX Trading Access Fee 0.0075% (charged by SGX on the (minimum $50) contract value) Prevailing GST applies to the brokerage rates, CDP Clearing Fee and SGX • Commission in-lieu-of 1/4 % on check amount Trading Access Fee. exchange (minimum $50)

Notice on short selling for Singapore market: With effect from November 1 2009, SGX regulations stipulate that the buying-in brokerage fee will be fixed at a flat rate of 0.75%. In addition, a processing fee of S$30 will be levied for every buying-in contract or withdrawal of buying-in. There will be a penalty fee of 5% of the value of the failed trade subject to a minimum of S$1,000, and the penalty will take effect for trades executed from September 25 2008 onwards. Hong Kong Market u Remittances Charge Description Internet / Phone Inward Remittances Mobile Rate Rate • Handling fee Securities Trading in HKD - For account holders Free • Minimum Fee HK$170 HK$210

• Below HK$400,000 0.30% 0.60% For withdrawals in foreign currency notes not involving foreign exchange, • HK$400,000 and above 0.20% 0.50% an additional 1% commission (minimum $10) will apply.

Securities Transfer • Transfer in Free Common Charges • Transfer out HK$300 per counter • Cable Cost $30

Custodian Fee • Postage (Documents) $2.24 for local registered mail, • Semi-annual Charge 0.02% of average monthly $10 for overseas registered mail stockholding balance; • Stop payment $20 per transaction for S$ checks, Capped at HK$1,000 plus cable cost (where applicable) US$20 per transaction for US$ Script Conversion checks, plus cable cost (where • Script Conversion HK$380 applicable) Other Charges • Tracers for investigation $30 • Stamp Duty 0.1% (i.e. HK$1.00 for every HK$1,000 with min. HK$2.00, rounded up to the nearest dollar) Third party and other charges which may be applicable to inward or outward remittances will be passed along at net, without mark-up or commission. For • Transaction Levy 0.003% inward remittances, to ensure that the inward remittance amount received at • Trading Levy 0.005% Citibank is exactly your intended deposit amount, please inform your remitting bank to “Pay the Beneficiary in full”. u Standing Instructions

GIRO Citibank Global • Outward remittance Free Transfer (CGT) • Returned GIRO $10 per transaction • Transfer Limit S$50,000/day+ • Charges S$10 per transfer Cashier’s Orders $10 per transaction plus cost of Cashier’s Free for Citigold customers Order and postage (where applicable) + The limit of the transfer amount is subject to the Rules and Regulations of the country of the payee account. Telegraphic Transfers S$40 for Citibanking and S$30 for Citigold customers

Rejected Standing $30 per transaction Instructions 200309485K Co.Reg.No.

8 u Other Services Special Instructions Transfers To Special Instructions allow you to make remittances to up to three Other Banks pre-designated parties. Call our 24-Hour CitiPhone Banking on • UT/MF Transfers US$250 per fund per transfer +65 6224 5757 using your Customer Identification Number (CIN) and • Bond Transfers Out US$250 per bond per transfer Telephone Personal Identification Number (TPIN). Just provide us with • Bond Transfer In US$100 per bond per transfer details of your transaction and we will carry out the transaction for you. Statement On Interest Earned & Interest Paid • Preceding year $15 per statement Citibank Singapore Ltd • Beyond 1 year $30 per statement • www.ipb.citibank.com.sg • Audit Confirmation $50 Request • 24-Hour Account Opening Hotline : +65 6328 8168 Closure of Account/ Relationship • 24-Hour CitiPhone Banking : • Charge on accounts closed US$300 +65 6224 5757 within 6 months of opening • Fax : +65 6632 4759 Microfilmed Copies Of Statements and Checks • Month-to-date No charge • Previous month No charge • Beyond 2 months $15 per statement/copy

All charges are in Singapore Dollars unless otherwise stated. Drafts or check clearing periods stated exclude holidays in the respective country of that currency. Effective December 2015, the information contained in this brochure is accurate at time of printing. All interest rates for time deposits & transaction accounts, fees, charges and terms & conditions are subject to change without notice.

3 Subject to Goods & Services Tax. 4 Preferential Pricing. 200309485K Co.Reg.No. 200309485K Co.Reg.No.

8 9 Citibank Singapore Ltd International Personal Bank 24-Hour CitiPhone Banking Robinson Road P.O. Box 0361 T: +65 6224 5757 Singapore 900711 F: +65 6632 4759 Co Reg. No. 200309485K www.ipb.citibank.com.sg

Citibank Privacy

Over the years, Citigroup has built and maintained a solid record of achievement in the area of customer privacy. Our customers’ trust us implicitly to safeguard their personal and financial data as closely as we do with their money.

u Privacy at Citigroup

Our goal is to maintain your trust and confidence when handling personal information about you.

u You Have Choices

As a Citigroup customer, you have the opportunity to make choices. As you consider this, we encourage you to make choices that enable us to provide you with quality products and services that help you meet your financial needs and objectives. u Security of Personal Information

The security of personal information about you is our priority. We protect this information by maintaining physical, electronic, and procedural safeguards that meet applicable law. We train our employees in the proper handling of personal information. When we use other companies to provide services for us, we require them to protect the confidentiality of personal information they receive.

The Personal Data Protection Act (“PDPA”) establishes a data protection regime that governs the collection, use, disclosure and care of personal data. Citibank has prepared a Privacy Circular which explains what personal data we collect and the purposes for which we may use or disclose such data. The Privacy Circular may be found on our website at http://www.ipb.citibank.com.sg/privacy.

As a Citigroup customer, you have the choice to be taken off our mailing lists for global market information and research, and from time to time, information on your products and services (including banking, investments, loans, credit cards and insurance), promotions, events, and investment opportunities. Should you choose not to receive these materials, simply complete the Form below or log on to www.ipb.citibank.com.sg.

Please check on one or more below :

I prefer not to receive information on products and services by: Telephone (voice call), Text message via mobile, Mail or Email. Please also exclude my joint account holder(s) as per the choices I have made

Account No. : Full name : (As it appears on your account records)

NRIC/Passport No. : Signature : Date :

Notes: 1. Please allow 4 weeks for your request to take effect. 2. You will, however, continue to receive communications including inserts with your monthly account statements pertaining to your account(s) with us. 3. If you’d like to be added back on our mailing lists, simply call our 24-Hour CitiPhone Banking on +65 6224 5757. 200309485K Co.Reg.No.

REPLY PAID / REPONSE PAYEE SINGAPORE / SINGAPOUR

CITIBANK SINGAPORE LTD International Personal Bank Robinson Road P.O. Box 0361 Singapore 900711

ATTN: Client Support Services 200309485K Co.Reg.No. 200309485K Co.Reg.No.

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12 13 NRI Business Centers

Bahrain: London: Citibank NRI Business, Citibank House, Al Seef Citibank NRI Business, Citibank Europe plc, UK District, P.O. Box 548, Kingdom of Bahrain, Branch, Citigroup Centre, 25, Canada Square, Fax: +973-17-588-378 Canary Wharf - E14 5LB Toll Free for Bahrain: 80004884 Fax: +44-207-500-2513 Free Phone from UK: 0800 032 2484 Dubai: Free Phone from UK and European Countries: Citibank NRI Service, Al Wasl Building, 7th 00-800-2484-2484 (00-800-CITI-CITI) Floor, Oud Metha, P.O. Box 749, Dubai, UAE Pre account opening toll free: 8000-172-122 Singapore: Fax : 9714-3243045 Citibank Singapore Ltd., NRI Business Center, 07-01, Capital Square, 23 Church Street, Singapore 049481 Toll Free: 1-800-225-7211

Citibank Singapore Ltd

www.ipb.citibank.com.sg

24-Hour Account Opening Hotline +65 6328 8168 24-Hour CitiPhone Banking +65 6224 5757

Fax +65 6632 4759