UNLOCK A BMW X3 TERMS & CONDITIONS

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1 UNLOCK A BMW X3 TERMS & CONDITIONS CONTEST PERIOD This Unlock a BMW X3 contest ( Contest ) organized by Citibank Berhad (Co. No M) ( Citibank ) will run from 21 November 2014 to 28 February 2015 (both dates inclusive) ( Contest Period ). ELIGIBILITY 1. Subject to these Terms and Conditions, ONLY the following categories of sons who are residents of Malaysia are eligible to participate in this Contest ( Eligible Persons and each, an Eligible Person ):- Description Eligibility Existing Cardmember An existing cardmember of any principal Citibank credit card(s) and/or Citibank Ready Credit Visa Debit & ATM Card(s); (hereafter collectively referred to as Citibank Cards or Citibank Card if singular) New Cardmember A son whose application for any Citibank credit card(s) is/are successfully approved during the Contest Period. 2. The following sons are NOT eligible to participate in this Contest:- a) Permanent and/or contract employees of Citibank (including its subsidiaries and related companies), including their respective immediate family members, meaning parents, spouses, children and siblings; b) Citibusiness Cardmembers (Business Underwriting); c) representatives and/or agents (including advertising agents and contest management agents) of Citibank, including their respective immediate family members, meaning parents, spouses, children and siblings; d) holder(s) of any Citibank Card(s) not issued in Malaysia; e) holder (s) of any Citibank Card(s) who is (are) in default of any facilities granted by Citibank at any time during the Contest Period, subject to Citibank s discretion; and/or f) any Citibank customer who has committed or suspected to have committed any fraudulent or wrongful acts in relation to his/her Citibank Card Account or any facility of service granted by Citibank, including Citibank Online, accessible via 3. For the purpose of these Terms and Conditions, an application for a Citibank credit card is "successfully approved" only if it is submitted before/during the Contest Period, is approved by Citibank during the Contest Period, and a Citibank credit card has been issued to/opened in the name of the Participant. A conditional approval is not a successfully approved application. REGISTRATION 1. To participate in the Contest, an Eligible Person is required to register with Citibank within the Contest Period via any of the following methods:- a) register via short messaging service text ( SMS ) to Citibank in accordance with the instructions as set out in Citibank s promotional materials; or b) register online at ( Contest Website ); or c) register through CitiPhone at or officers appointed by Citibank for such registration. For the avoidance of doubt, standard telco charges for registration via SMS will apply. 2. Only Eligible Persons who:- a) register via SMS and receive an SMS on confirmation of successful registration from Citibank on their mobile number from which the registration SMS was sent; b) register online at Contest Website and receive a confirmation of successful registration from Citibank shown on the Contest Website; or c) register through CitiPhone or officers appointed by Citibank for such registration and receive a confirmation of successful registration from Citibank via the recorded phone call shall be eligible to participate in the Contest ( Participants and each a Participant ) PROVIDED that such Eligible Persons submits the required information accurately during the registration process. 3. An Eligible Person with multiple Citibank Cards is only required to register one of his/her Citibank Card during Contest Period. All related Citibank Cards including his/her supplementary card(s) shall be automatically tracked for purposes of tabulation of the Qualifying Purchases (as defined below) throughout the Contest Period. 4. Qualifying Purchases are retail purchases locally and overseas including online purchases, bill payment on Citibank Online including Citi Mobile and Mobile Phone Prepaid Reload which are made with Citibank Cards Page 1 of 7

2 of the Participant within Contest Period. Retail purchases made in foreign currency will be converted to Ringgit Malaysia (RM) for purposes of tabulation of Qualifying Purchases. 5. The following shall NOT be included as Qualifying Purchases for the purposes of this Contest:- a) Citibank Easy Payment Plan (which is registered and commenced before the Contest Period). b) instalments paid under Citibank Flexi Payment Plan or Citibank Easy Payment Plan (for Citibank Credit Cards) c) instalments paid under Citibank Ready Credit Balance Transfer via Instalment Plan or Paylite (for Citibank Ready Credit); d) Qualifying Purchases which are subsequently cancelled or refunded; e) disputed, unauthorized or fraudulent purchase transactions; f) payment of annual Citibank Card membership fees, g) interest & principal payments; h) government service tax or any other taxes; i) late payment fees, charges for cash withdrawals or any other form of service/miscellaneous fees; or j) transactions made by Participants with any merchant associated with or controlled by them (whether as employee, employer, shareholder or director). i.e. transactions by a Cardmember with any corporation or business entity in which he is an employee or employer or works with or has shares or interest in or is a director of. 6. Calculation of total Qualifying Purchases are after conversion to Ringgit Malaysia (RM) and shall be based on Citibank s transaction records only within the Contest Period. Citibank shall not be responsible for any failure or delay in the transmission of evidence of sales transactions by Visa International Incorporated, MasterCard Worldwide, merchant establishments or any other party. CONTEST MECHANICS (A) 1. A Participant who, during the Contest Period, spends a minimum amount equivalent to RM50 or more in a single transaction on any local Qualifying Purchases OR any amount in a single transaction on any overseas Qualifying Purchases with his/her Citibank Card shall stand a chance to receive a random letter ranging from A to Z ( Alphabet ) for such Qualifying Purchases. 2. For the avoidance of doubt, Alphabets are non-guaranteed and are only generated for Qualifying Purchase which is authorized with its timestamp meeting the pre-determined second(s) of every minute which is/are randomly generated by Citibank throughout the Contest Period starting from Malaysian time 0000 hours on 21 November 2014 to 2359 hours on 28 February For the avoidance of further doubt, Participants will not be entitled to any Alphabet(s) generated from non- Qualifying Purchases. In relation to generation of the Alphabets, Citibank shall not be liable for any Alphabet(s) not generated as a result of systems malfunction, delay, mis-transmission or technical difficulties (including systems oated by telcos or service providers) which are not within the reasonable control of Citibank. 4. A Participant may only receive up to one (1) Alphabet ( Daily Cap ) from each merchant category group ( Merchant Category Group ) for qualifying purchases with Merchant Category Codes ( MCC ) as defined below, up to a maximum of four (4) Alphabets Participant day. An overall cap ( Overall Cap ) on number of Alphabets earnable Participant throughout Contest Period also applies as table below. Merchant Category Group Local Qualifying Purchases Group 1 Group 2 Merchant Category Code / Definition RETAIL Daily Cap on Alphabet Overall Cap on Alphabets throughout Contest Period CLOTHING & ACCESSORIES 1 5 GROCERY STORES 10 TECHNOLOGY 3 FOOD & BEVERAGES HOUSEHOLD & UTILITIES 1 5 INSURANCE SERVICES 5 RECREATION 5 EDUCATION 3 BUSINESS SERVICES 3 Group 3 SERVICE STATIONS Page 2 of 7

3 LODGING 3 MEDICAL 3 TRAVEL & TRANSPORT 3 OTHERS 5 Overseas Qualifying Purchases Qualifying Purchases made in overseas or in Group 4 foreign currency including online purchases in foreign currency A Participant will be notified via SMS and/or ( Real Time Notifications ), if he/she has successfully received an Alphabet on the Qualifying Purchases made for Merchant Category Group 1 and 2 as defined above. For Alphabet(s) generated on Qualifying Purchases in Merchant Category Group 3 and 4, as defined above, a Participant will be notified via iodic Contest summary ( Contest Updates ) and/or overall Contest summary at the end of Contest Period ( Overall Contest Summary ) via SMS and/or PROVIDED such Qualifying Purchases are successfully captured and posted before the Contest Updates and no later than 15 March For the avoidance of doubt, Real Time Notifications should serve only as indicators of Alphabet(s) received by a Participant. At the end of Contest Period, the Alphabet(s) received by a Participant shall be based on records captured and honored by Citibank in accordance to the Terms and Conditions of this Contest, which will be reflected in the Overall Contest Summary. The Overall Contest Summary will be sent to a Participant at the end of the Contest Period after an independent check to tally and validate the Alphabet(s) based on the Participant s Qualifying Purchases. The Overall Contest Summary is final and conclusive. 7. For Citibank Credit Cardholders in particular, apart from receiving Alphabets via Qualifying Purchases, Participants may also earn additional Alphabet(s) via the following during the Contest Period:- Overall Cap on Criteria Number of Alphabets Entitled Alphabets Entitled throughout Contest Period a) Submits an application during the Contest Period for a new principal/supplementary Citibank credit card(s) and is/are successfully approved before 15 March 2015 AND signs up with Citibank to receive credit card e-statements in lieu of hardcopy statements during the Contest Period. approved Citibank credit card 3 Alphabets b) Pays with Citibank Easy Payment Plan using Citibank credit card(s) transaction c) Bill payment through Citibank One Bill service using Citibank credit card(s) d) Spends an amount equivalent to RM50 or more in a single transaction overseas or in foreign currency including online purchases in foreign currency with Citibank credit card(s) e) Applies for any of the following credit card instalment plans or associated products with Citibank credit card(s), non-repetitive, namely:- i) Balance Transfer ii) Balance Transfer Instalment iii) Balance Conversion iv) Cash Advance v) Dial For-Cash vi) Flexi Payment Plan and such application is successfully approved. transaction transaction successful application Page 3 of 7

4 f) Updates his/her income records with Citibank, which must be valid and subject to Citibank s discretion to accept during the Contest Period 8. For additional Alphabet(s) earned via criteria fulfilled from Criteria (a) to (f) in the table above, such Alphabet(s) will only be added in Contest Updates and/or Overall Contest Summary. CONTEST MECHANICS (B) 1. In addition to Contest Mechanics (A), a Participant who, during the Contest Period, spends a minimum amount equivalent to RM50 or more in a single transaction on any local Qualifying Purchases with his/her Citibank Card shall stand a chance to receive an SMS containing a question ( Bonus SMS ). 2. For the avoidance of doubt, Bonus SMS is only generated for Qualifying Purchase from Merchant Category Group 1 and 2, as defined in clause (4) of Contest Mechanics (A) above, which is authorized with its timestamp meeting one specific hour and minute randomly selected by Citibank, daily between Malaysia time 10am to 10pm ( Magic Minute ) throughout the Contest Period. 3. A Participant may only receive up to one (1) Bonus SMS daily. WINNERS & PRIZES 1. There will be four (4) unique Alphabets ( Key Alphabets ) which a Participant is required to collect in order to be shortlisted for a prize at the end of Contest Period. The Key Alphabets are randomly selected and will be announced by Citibank within the Contest Period. 2. At the end of Contest Period, 901 Participants who have collected a complete set of Key Alphabets will be shortlisted ( Shortlisted Participants ). The following hierarchy of criteria ( Tie Breaker ) shall apply based on the criteria below following the stipulated order of priority: Order of Priority Criteria Number of complete sets of Key Alphabets collected throughout Contest Period Number of Alphabets matching any of the Key Alphabets throughout Contest Period Number of Alphabets collected throughout Contest Period Number of transactions made on Qualifying Purchases throughout Contest Period Example (if A, B, C, D, are the Key Alphabets and a Participant has made 30 transactions on Qualifying Purchases and collected: 2 A s, 2 B s, 3 C s, 2 D s and 1 Z throughout the Contest Period) 2 A s, 2 B s, 2 C s, 2 D s = 2 complete sets of Key Alphabets 2 A s, 2 B s, 3 C s, 2 D s = 9 matching Key Alphabets 2 A s, 2 B s, 3 C s, 2 D s, 1 Z = 10 Alphabets 30 transactions 3. Each of the Shortlisted Participants will be contacted by Citibank or its appointed representatives up to two (2) times at the latest telephone numbers furnished to Citibank as shown in Citibank s records on a selected day on any day that Citibank in Kuala Lumpur is open for business and during office hours (10.00am 6.00pm) to answer a set of up to five (5) questions ( Qualifying Q&A ). Only the principal cardmembers will be contacted. In the event Citibank or its appointed representative is unable to contact a Shortlisted Participant after two (2) attempts and/or the Shortlisted Participant withdraws its participation in the Contest upon being contacted by Citibank or its appointed representatives, the Shortlisted Participant will be deemed disqualified from the Contest. 4. Shortlisted Participants are ranked based on the most question(s) answered correctly in the fastest time in the Qualifying Q&A ( Rank in Qualifying Q&A ). In the event a Shortlisted Participant did not answer the question correctly or did not attempt the Q&A Session as required, the next in line Shortlisted Participant(s) will then be contacted to replace the disqualified Shortlisted Participant(s). 5. The top 10 Shortlisted Participants based on the Rank in Qualifying Q&A will qualify for an additional Grand Prize Q&A session which contains a different set of up to five (5) questions ( Grand Prize Q&A ). In the Page 4 of 7

5 Grand Prize Q&A, Shortlisted Participants are again ranked based on the most question(s) answered correctly in the fastest time. 6. The criteria to win a prize ( Prize ) are as follow:- Number of Prize Winner(s) The New BMW X3 xdrive20i ( Grand Prize ) Criteria 1 Ranked 1st in the Grand Prize Q&A Samsung GALAXY Note Ranked 2nd to 10th in the Grand Prize Q&A or 11th to 201st in the Qualifying Q&A. Samsung GALAXY Tab S Ranked 202nd to 401st in the Qualifying Q&A. American Tourister Vivolite Spinner 55/ Ranked 402nd to 901st in the Qualifying Q&A Daily first 50 Participants who respond with the correct answer to the Bonus SMS in the earliest time during or after the Magic Minute as records captured by Citibank or its appointed vendor will each be awarded the Cash Back. Daily RM50 Cash Back ( Cash Back ) 5000 If a Participant responds with multiple SMS in a day, only the earliest SMS with the correct answer will be tabulated for the purposes of determining his/her eligibility for the Cash Back. For the avoidance of doubt, only Participants who receive the daily Bonus SMS are eligible for the Cash Back. 7. Winners ( Winners ) will be contacted by Citibank or its appointed representatives within ten (10) weeks from the end of Contest Period. 8. The Prizes, not inclusive of the Grand Prize and Cash Back, will be sent to each of the Winners mailing address as shown in Citibank s records, within ten (10) weeks from the end of the Contest Period. 9. The Grand Prize will be available for collection within ten (10) weeks to twelve (12) weeks from the end of the Contest Period. Citibank reserves the right to determine a location for collection of the Grand Prize and the Grand Prize Winner will be notified by Citibank in writing or any manner which Citibank deems fit to use. 10. The Cash Back shall be credited into the respective Winner s Card account within ten (10) weeks to twelve (12) weeks from the end of the Contest Period and displayed in his/her monthly Card statement. 11. The following additional terms and conditions shall apply to the Prizes:- a) Each Participant is entitled to receive only ONE (1) Prize, excluding the Cash Back which a Participant may win multiple times but capped at once (1) day throughout Contest Period. b) All Prizes are given as is basis and are not transferable, nor exchangeable for credit or kind whether in part or in full; c) All costs, fees and/or expenses incurred or to be incurred by the Winners in relation to the Contest and/or to claim the Prize(s), which shall include but not limited to the costs for transportation, postage/courier, sonal costs and/or any other costs, are the sole responsibility of the Winners. d) The Winners must abide by all laws and regulations currently in place and the terms and conditions of the party(ies) arranging and/or providing the Prize and the terms and conditions attached to the Prize, if any. e) The Grand Prize Winner shall be wholly responsible for the payment of all taxes, insurance and/or other miscellaneous charges relating to the Grand Prize. Citibank will not be responsible or bear the cost for the road tax, car insurance, cost of transporting the vehicles (described above) to the respective Grand Prize Winner or any other incidental costs; Page 5 of 7

6 f) Supplementary Citibank Cardmembers are not entitled to win the Prize. Prizes won by a supplementary Cardmember, if any, will be given to the principal Citibank Cardmember; g) If there is any dispute or non-receipt of the Prize, winners are required to contact CitiPhone at by 31 May 2015 at the latest to request an inquiry. No request for any inquiry will be entertained after 31 May 2015; h) All Citibank Card account(s) and/or other account(s), facilities or loans of the Winners must be in good standing during the Contest, including the shortlisting process and before the date of delivery or collection of any Prize(s), as the case may be in order to be entitled to receive the Prize(s), including being prompt in payments due; i) To the fullest extent mitted by law, there are no, and Citibank expressly excludes and disclaims any, representations, warranties, or endorsements, expressed or implied, written or oral, including but not limited to, any warranty of quality, merchantability or suitability or fitness for a particular purpose in respect of the Prizes; j) For the avoidance of doubt, the Prizes are provided by Citibank s suppliers. The Eligible Persons, Participants and/or Winners hereby acknowledge and agree that Citibank excludes all warranty and/or liability in connection with the awarded prizes and/or the Contest. Participants shall assume full liability and responsibility in case of any liability, mishap, injury, loss, damage, claim or accident (including sonal injury and/or death) resulting from their participation in the Contest, redemption and/or usage of the prizes. Citibank shall not be held responsible for any loss, damage or injury (including death) in any manner whatsoever suffered by the Participants as a result of the participation in the Contest and/or the use of the Prizes. k) The title in the Prizes and any risk of loss or damage to the Prizes will pass to the Winners upon delivery of the Prizes to such Winners. Citibank shall not be liable for or obliged to recognize or replace any defective, lost, damaged or stolen Prizes where such defect, loss or damage in respect of the Prize is not due to the fault and/or negligence of Citibank; l) Citibank reserves the right to select the colour of the Prize(s), where applicable; and m) Citibank shall not be responsible for any defect or any other loss or damage that may be suffered in connection with any of the Prizes. Any dispute in relation to the warranty or quality of any Prize or any terms and conditions in respect thereof shall be settled directly between the relevant Winners and the relevant supplier. Citibank will bear no responsibility for resolving any dispute and the Winners must liaise directly with the relevant supplier and not Citibank in this regard. If the supplier is unable to supply the same model of the Prize(s), Citibank reserves the right to substitute any Prize(s) with another product of similar retail value. CONSENT 1. Eligible Persons, Participants and/or Winners who participate in this Contest are deemed to have expressly agreed to be bound by these Terms and Conditions (as varied or changed), the decisions of Citibank and/or the judges and, to the fullest extent mitted by law, to have consented to and authorized Citibank to disclose their particulars to the third party service providers engaged by Citibank for purposes of the Contest. Citibank warrants that the disclosure of such particulars to any third party service providers shall be limited to the Eligible Persons or Participants or Winners names, addresses and telephone numbers and shall be used only in relation to and for purposes of the Contest. Citibank s decision on all matters relating to the Contest (including the interpretation of these Terms and Conditions) shall be final and binding and no further correspondence or attempt to dispute such decision would be entertained. 2. Each of the Eligible Persons, Participants and/or Winners is deemed to have given his/her consent and authorization to Citibank to use his/her name and any photographs taken or other information approved by the Eligible Persons, Participants and/or Winners for current and future advertising and publicity purposes relating to the Contest. Eligible Persons, Participants and/or Winners also agree to be featured in any publicity material relating to the Contest. No fee will be paid to the Winners for any of the foregoing. OTHER TERMS AND CONDITIONS 1. In the event that a Prize is awarded to a Eligible Persons, Participants and/or Winners who or in the event that a Participant: a) is not eligible to participate in the Contest and/or receive the Prize; and/ or, b) has committed or is suspected of committing any misconduct, fraudulent or wrongful acts, Citibank reserves the right to disqualify such Eligible Persons, Participants and/or Winners from participating in the Contest and/or receiving the Prize. 2. Citibank s decision on all matters relating to the Contest will be final and binding. 3. To the fullest extent mitted by law, by participating in this Contest, each and every Participant is agreeing that he/she will not hold Citibank and its officers, servants, employees, representatives and/or agents (including without limitation, any third party service providers that Citibank may engage for the purposes of this Contest), liable for any loss or damages that he/she may incur, in connection with the Contest. Page 6 of 7

7 4. Citibank will not be liable for any default due to any act of God, war, riot, strike, lockout, industrial action, fire, flood, drought, storm, epidemic, pandemic, technical or system failure or any event beyond the reasonable control of Citibank. 5. Citibank reserves the right as it deems fit to vary or change any of these terms and conditions from time to time or cancel, terminate, withdraw, or suspend this Contest and/or replace this Contest with another similar promotion, Contest or program with prior notice. Such variation, changes, cancellation, termination, withdrawal or suspension will be notified by posting on Citibank s website at ( Website ) or in any other manner as Citibank deems fit. In this respect, the Participants participation in this Contest also signifies his/her agreement to access the Website at regular intervals to view these terms and conditions and to ensure that they are kept up-to-date with any variations or changes which Citibank may effect from time to time. Eligible Persons, Participants and/or Winners also agree that their continued participation in this Contest will constitute their acceptance of these terms and conditions (as varied from time to time). For the avoidance of doubt, any cancellation, termination, withdrawal or suspension by Citibank of this Contest will not entitle the Participant to any compensation against Citibank for any and all loss or damage that may be suffered or incurred by the Eligible Persons, Participants and/or Winners as a direct or indirect result of the act of cancellation, termination, withdrawal or suspension. 6. Any term and condition applicable to this Contest which is illegal, prohibited or unenforceable under any law or regulation shall be ineffective to the extent of such illegality, voidness, prohibition or unenforceability without invalidating the remaining provisions. 7. These Terms and Conditions are governed by and construed under the laws of Malaysia. Page 7 of 7

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