Cash Management Services Cash Management Cut-Off Times

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Outward Remittance

Cross-Border Funds Transfer Important Notes: Cut-Off Times on 1. “Instruction Date” is the date the payment instruction is Outgoing Funds Instruction Date Value Date submitted to Citibank. “Value Date” is defined relative to the Transfers Electronic Manual “Instruction Date” for payments received before the respective cut-off times. The “Value Date” is the date the SGD 4.00 PM 10.00 AM Same Day debit is valued for. The timing of payment received by your CNY 4:00 PM 10.00 AM Same Day beneficiary is dependent on the intermediary and USD 6.00 PM 10.00 AM Same Day beneficiary banks.

1.30 PM 10.00 AM Same Day HKD 2. Timely processing of your payment is dependent on: JPY 10:30 AM 8.00 AM Same Day – Availability of sufficient funds and/or credit facilities AUD, NZD 9.00 AM 8.00 AM Same Day – Receipt of clear, complete and correct payment 4:30 PM 10.00 AM Same Day EUR, GBP instructions. CHF, NOK, CAD, 3.00 PM 10.00 AM Same Day HUF, PLN 3. For requests to stop / amend payments: 6.00 PM 10.00 AM Same Day DKK, SEK – There is no assurance that these requests will be acted INR 2.00 PM 10.00 AM Same Day upon by the beneficiary bank once a payment has BND 3.00 PM 10.00 AM Next Day been released. ZAR 11.00 AM 10.00 AM Next Day – Citibank may not be able to stop payments with forward value dates that are already processed. AED, CZK, ILS, JMD, 3.00 PM 10.00 AM Next Day RON 4. Instructions are processed during working days. 5 THB 11.00 AM 10.00 AM Next Day 5 PHP 4.30 PM 10.00 AM + 2 Days – Instructions received on a non-working day will be 5,6 MYR, TWD, KRW, processed on the next working day IDR, VND, RUB, BRL, 3.00 PM 10.00 AM + 2 Days – Instructions received for value on a non-working day MMK and over 80 will be valued the next working day other currencies

5. Regulated Currencies have market restrictions. Actual Cut-Off Times on Other Payment timing of payment received by your beneficiary is dependent Instruction Date Value Date Products on regulatory clearance and banks receiving the funds, Electronic Manual which could take between 3 to 5 working days.

Giro / Collections 4.00 PM 10.00 AM Same Day * 6. For Tertiary Currencies, please refer to Other Currencies PayLink Giro / Payroll 4.30 PM 10.00 AM Same Day * List in the Appendix. Actual timing of payment received by PayLink Check 4.30 PM N.A. Same Day ** your beneficiary is dependent on the individual countries WorldLink Check / Draft 4.00 PM 10.00 AM Same Day ** and banks receiving the funds, which could take between 7 to 10 working days. Same-Currency Book Transfers: Citibank 6.00 PM 10.00 AM Same Day Singapore Corporate Accounts * All Giros are subject to the Automated Clearing House (ACH) 2 days clearing cycle. ** All checks are mailed next day.

Inward Remittance

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Inward Remittance

Incoming Funds Payment Order* Important Notes: # 1. Incoming Funds Transfers will be credited according to the Transfers Cut-off For Value incoming cut-off times schedule outlined here for good AUD, NZD 9.30AM Same Day value to your account.

CNY 4.00PM Same Day 2. Timely processing of your incoming funds is dependent on: JPY 10.30AM Same Day – Actual receipt of funds and/or credit facilities HKD 1.00PM Same Day THB** 1.30PM Next Day – Receipt of clear, complete and correct instructions DKK, NOK, SEK 3.30PM Same Day – Receipt of pre-advice of incoming funds transfers CAD, CHF, EUR, GBP 4.30PM Same Day from the remitting bank or from you, our customer, USD 4.30PM Same Day such as tested cable, free format messages via SWIFT, CitiDirect, letter or fax SGD 5.30PM Same Day CZK, HUK, PLN, ZAR 4.00PM Same Day 3. Instructions are processed during working days. # For credit into Same-Currency accounts *A Payment Order is a MT103 or MT202 – Instructions received on a non-working day for prior value date will be processed on the next working day ** For value spot if FX is involved – Instructions received for value on a non-working day will be valued the next working day

4. Please note that in the event of non-receipt of the funds that have been pre-advised by yourself or the remitting bank, overdraft interest and any other administrative costs incurred will be charged to your account directly.

For more information, please contact:

Your Citi Representative or CitiService Telephone: (65) 6224 2622 Email: [email protected]

Citibank N.A., Singapore Branch

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Appendix Other Currencies – Funds Transfer Code Currency Code Currency Code Currency Code Currency ALL Albanian Lek9 HRK Croatian Kuna LBP Lebanese Pound WST Samoan Tala DZD Algerian Dinar CZK Czech Koruna LRD Liberian Dollar9 STD Sao Tomean Dobra9 AMD Armenian Dram9 DKK Danish Krone LYD Libyan Dinar9, 12 SAR Saudi Riyal AOA Angola Kwanza9 DJF Djibouti Franc9, 11 MKD Macedonia Denar9 RSD Serbian Dinar9 AUD Australian Dollar DOP Dominican Peso MOP Macau Pataca RWF Rwandan Franc AWG Arubian Florin9 XCD Eastern Caribbean Dollar7, 8 MGA Madagascar Ariary9 SCR Seychelles Rupee9 AZN Azerbaijan Manat EGP Egyptian Pound MWK Malawi Kwacha SLL Sierra Leone Leone9 BSD Bahamian Dollar EUR EMU Euro1 MVR Maldives Rufiyaa9 SGD Singapore Dollar BHD Bahraini Dinar12 ERN Eritrea Nakfa9 MRO Mauritanian Olguiya9 SBD Solomon Islands Dollar BDT Bangladesh Taka ETB Ethiopia Birr8 MUR Mauritius Rupee ZAR South African Rand BBD Barbados Dollar FJD Fiji Dollar MXN Mexican Peso8 SRD Suriname Dollar9 BYN Belarus Ruble9 GMD Gambian Dalasi9 MDL Maldavian Lieu9 SEK Swedish Krona BZD Belize Dollar GEL Georgian Lari9 MNT Mongolian Tugrik9 SZL Swaziland Lilangeni9 BMD Bermudian Dollar GHS Ghanian Cedi8 MAD Moroccan Dirham8 CHF Swiss Franc BOB Bolivian Boliviano9 GTQ Guatemalan Quetzal MZN Mozambique Metical LKR Sri Lankan Rupee Bosnia & Herzagovina BAM GNF Guinea Republic Franc9, 11 MYR Malaysian Ringgit TWD Taiwan New Dollar9, 11 Convertible Mark9 BWP Botswana Pula GYD Guyana Dollar11 MMK Myanmar Kyat9 TJS Tajikistan Somoni9 BRL Brazilian Real9 HTG Haitian Gourde NAD Namibian Dollar9 TZS Tanzanian Shilling Netherlands Antillean BND Brunei Dollar HNL Honduran Lempira9 ANG THB Thai Baht Guilder8 BGN Bulgarian Lev8 HKD Hong Kong Dollar NPR Nepal Rupee9 TOP Tongan Pa’anga Trinidad and Tobago BIF Burundi Franc9, 11 HUF Hungarian Forint11 NZD New Zealand Dollar TTD Dollar CAD Canadian Dollar INR Indian Rupee8 NIO Nicaraguan Cordoba9 TND Tunisian Dinar8, 12 CDF Congolese Franc9 IDR Indonesian Rupiah8, 11 NGN Nigerian Naira TRY Turkish Lira CVE Cape Verde Escaudo9 ILS Israeli Shekel NOK Norwegian Krone AED U.A.E. Dirham KHR Cambodia Riel9 JMD Jamaican Dollar8 OMR Omani Rial12 UGX Ugandan Shilling8, 11 KYD Cayman Island Dollar JPY Japanese Yen11 PKR Pakistani Rupee GBP U.K. Pound Sterling West African States CFA XOF JOD Jordanian Dinar12 PGK Papua New Guinea Kina UYU Uruguayan Peso Franc BCEAO4, 8, 11 Central African States XAF KZT Kazakhstani Tenge PYG Paraguayan Guarani9, 11 USD U.S. Dollar13 CFA Franc BEAC5, 8, 11 XPF Central Pacific Franc6, 9, 11 KES Kenyan Shilling PEN Peruvian New Sol8 VUV Vanuatu Vatu11 CLP Chilean Peso9, 11 KRW Korean Won9, 11 PHP Philippine Peso8 VND Vietnam Dong11 CNY/ Chinese Renminbi9 KWD Kuwaiti Dinar12 PLN Polish Zloty YER Yemeni Rial9 RMB COP Colombian Peso9 KGS Kyrgyzstan Som9 QAR Qatari Rial ZMW Zambia Kwacha KMF Comoros Frans9, 11 LAK Laos Kip9 RON Romanian Leu CRC Costa Rican Colon9 LSL Lesotho Malati9 RUB Russian Ruble

1 The European Monetary Union comprises: Austria, Belgium, Cyprus, Estonia, 9 These currencies are considered “tertiary.” A physical beneficiary address is Finland, France, Germany, Greece, Ireland, Latvia (from January 1, 2014), Italy, required on all tertiary payment instructions (P.O. boxes not accepted). Tertiary Luxembourg, Malta, Netherlands, Portugal, Slovenia, Slovakia and Spain. currencies may have minimum amount limitations of $25 and may be subject Funds transfers can be made into Montenegro in Euro as it is their adopted to specific regulations. In addition they may require special processing, which currency. could delay delivery to the beneficiary as long as 7 - 10 days. Fund Transfers 2 EMU Countries as listed in note 1 excluding Slovenia, Slovakia, Luxembourg in these currencies cannot be sent outside their own country. Contact your Citi and the Netherlands and Latvia. Representative for details. Payments volume in these currencies may be 3 EMU Countries as listed in note 1 excluding Slovenia, Slovakia, Luxembourg, subject to review. Netherlands, Cyprus, Malta and Latvia. 10 USD can also be remitted to the following countries: British Virgin Islands, 4 XOF franc BCEAO is legal tender in Benin, Burkina Faso, Cote d’Ivoire, Cambodia, East Timor, Ecuador, El Salvador, Turks and Caicos Islands, The Guinea-Bissau, Mali, Niger, Senegal, and Togo. Marshall Islands, Guam, Federated States of Micronesia, Northern Marina 5 XAF franc BEAC is legal tender in Cameroon, Chad, Central African Republic, Congo, Equatorial Guinea and Gabon. Islands, Palau, Panama, and Zimbabwe 6 Central Pacific franc is legal tender in New Caledonia, French Polynesia, and 11 These currencies have ZERO decimal places Wallis and Futuna Islands. 12 These currencies have THREE decimal places 7 Eastern Caribbean Dollar is legal tender in Anguilla, Barbuda, Dominica, Grenada, Montserrat, St. Kitts & Nevis, St. Lucia, and St. Vincent & Grenadines. 8 Funds Transfers in these currencies cannot be sent outside their own country.

Many fund transfer payments have restriction imposed by the country. These restrictions impact the formatting of the payments, how the payments are structured or the information accompanying it, and are subject to changes. Please contact your Citi Representative for more information.

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