Citibank Credit Cards - “Shop Online & Redeem Promotion” Terms and Conditions

1. Definitions a. “” refers to Citibank Singapore Limited. b. “Promotion” refers to the “Citibank Credit Cards – Shop Online & Redeem Promotion”, terms and conditions of which are laid out herein. c. “Promotion Period” refers to the 2 month period between 1 Jun 2013 – 31 Jul 2013 (SIN time; both dates inclusive); “First Month” refers to the period 1 Jun 2013 – 30 Jun 2013, “Second Month” refers to the period 1 Jul 2013 – 31 Jul 2013. d. “Cardmember(s)” refers to Citibank-branded, Singapore Dollar Personal Credit Cards (Citibank Silver Visa/MasterCard, Citibank Gold Cards Visa/MasterCard, Citibank Platinum Visa/MasterCard, Citibank DIVIDEND Visa/MasterCard, Citibank Rewards Visa/MasterCard, Citibank Clear Platinum Visa Card, Citibank PremierMiles Visa Signature Card, Citibank Prestige MasterCard World Card, Citibank Ultima Visa Card, Citibank Business Gold Visa (Personal Liability), CitiBusiness Card, which are in good standing throughout the Promotion Period. For the purposes of this promotion, each listed above will be referred to as “Card” and collectively as “Cards”). e. Supplementary Cardmembers are not eligible to participate in the Promotion.

2. Promotion Mechanics a. To qualify for the Promotion, the Cardmembers must register by sending an SMS with the text message: eshop1200 to 72484 during the Promotion Period. b. Registration is only applicable when Cardmembers register using their Citibank registered mobile numbers for enrolment. c. Cardmembers can SMS to qualify for the Promotion throughout the Promotion Period. The calculation of the Eligible Spend pursuant to the Promotion will commence from 1 Jun 2013 till the Promotion Period end date (i.e. 31 July 2013) d. SMS entries received after the Promotion Period will not be eligible for the Promotion and will be considered invalid and void. Any other method of registration will not be accepted. e. Selected Cardmembers who successfully register for the Promotion and charge in excess of S$1,200 to their respective Card(s) for each of the First and/or Second Month during the Promotion Period will be eligible to receive 5% Citi Rebate for each month they charge in excess of S$1,200 to their Cards during the Promotion Period (“Eligible Spend”) (capped at a maximum rebate of $100 per customer per month). Customers may accumulate spend across all their Cards for this Promotion.

The Eligible Spend shall only include retail spend with online shopping merchants which include all shopping websites that sell clothes, shoes and bags as their main business activity, during the Promotion Period based on the transaction date, and EXCLUDE all travel, airline, government, brokerage/securities, insurance, tuition and online gambling websites. Any charges in respect of interest charges, fees, balance transfers, equal payment plans, tax payment, cash advance and quick cash are also EXCLUDED. f. At least one of the Cardmember’s Citi Rebate earning credit card accounts (listed in Paragraph 1d. above) with Citibank must be open during the Promotion Period. A Cardmember who closes all his/her Citibank credit card accounts before the end of the Promotion Period will not be entitled to receive any Citi Rebate and/or participate in this Promotion. g. The Citi Rebate earned will be credited to the Cardmember’s Card account(s) within two (2) months from the transaction posting date or the enrolment date, whichever is later, or such other date that Citibank may determine. If such Cardmember has more than one Citibank credit card account, the relevant Citi Rebate(s) will be credited into the card with the highest Eligible Spend for that qualifying month or any one of his credit card accounts at Citibank's absolute discretion. The Citi Rebate(s) earned cannot be used to offset against the minimum payment due. The credit card account must be in good standing at the time the Citi Rebate(s) are credited. h. Cardmembers may spend the Citi Rebate earned at any other Citi Rebate participating merchants. The list of these merchants is available at: https://www.citibank.com.sg/gcb/credit_cards/cc_citirebate.htm i. All Citi Rebates are non-transferable and are not exchangeable for cash. The use of Citi Rebate is subject to the Citi Rebate Program Terms and Conditions which is available at www.citibank.com.sg/citirebate . j. A customer can avail the offer only once during the Promotion Period and subsequent enrollments and spends will not be considered.

3. Liability a. Citibank reserves the right to forfeit the Citi Rebate from a Cardmember who is subsequently found to be ineligible and/or disqualified from the Promotion. b. Citibank assumes no responsibility for incomplete, lost, late, damaged, illegible or misdirected mail, for technical hardware or software failures of any kind, lost or unavailable network connections, or failed, incomplete, garbled, or delayed electronic transmission which may limit a participant’s ability to take part in the Promotion. c. Citibank shall not be responsible for the quality, merchantability or the fitness for any purpose or any other aspect of the products and/or services provided by third parties. Notwithstanding anything herein, Citibank shall not at any time be responsible or held liable for any loss, injury, damage or harm suffered by or in connection with the products and/or services provided by third parties. d. Citibank reserves the rights to amend the amount of Citi Rebate rewarded or offer a replacement of similar value. e. Citibank reserves the right at its reasonable discretion to terminate the Promotion, or vary, delete or add to any of these terms and conditions. f. Cardmembers participating in this Promotion will continue to be bound by the relevant Cardmember’s Agreement. g. Citibank’s decision on all matters relating to the Promotion will be at its reasonable discretion and will be final and binding on all participants. In the event of any inconsistency between these terms and conditions and any brochure, marketing or promotional materials relating to the Promotion, these terms and conditions will prevail in so far as it relates to the Promotion.