Page 1 of 7 WIN THE NEXT SAMSUNG GALAXY NOTE WITH YOUR EVERYDAY SPEND TERMS & CONDITIONS

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1 WIN THE NEXT SAMSUNG GALAXY NOTE WITH YOUR EVERYDAY SPEND TERMS & CONDITIONS CAMPAIGN PERIOD The Win the next Samsung Galaxy Note with your everyday spend Campaign ( Campaign ) organized by Citibank Berhad (Co. No M) ( Citibank ) will run from 15 July 2016 to 15 October 2016 (both dates inclusive) ( Campaign Period ). ELIGIBILITY 1. Subject to these Terms & Conditions, only existing principal cardmembers of any Citi Visa Credit Card(s) and/or Citi Visa Debit & ATM Card(s); (hereafter collectively referred to as Cards or Card if singular); are eligible to participate in this Campaign ( Eligible Persons and each, an Eligible Person ). 2. The following persons are NOT eligible to participate in this Campaign:- 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) of Citibank, including their respective immediate family members, meaning parents, spouses, children and siblings; d) holder(s) of any Card(s) not issued in Malaysia; e) holder (s) of any Card(s) who is (are) in default of any facilities granted by Citibank at any time during the Campaign 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 REGISTRATION 1. To participate in the Campaign, an Eligible Person is required to register with Citibank within the Campaign 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 ( Campaign 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. Each Eligible Person is only required to register once throughout the Campaign Period. Tabulation of Qualifying Transactions for the purposes of this campaign will only take effect starting from the Campaign Month (as defined below) which the Eligible Person first registers for the campaign. Campaign Month Date 1 15 July 14 August August 14 September September 15 October 2016 For example, if an Eligible Person registers on 20 August 2016, he/she will be eligible to participate for Campaign Month 2 & Campaign Month 3 and have his/her Qualifying Transactions tabulated for the purposes for this campaign starting from 1 Jan Page 1 of 7

2 3. An Eligible Person with multiple Cards is only required to register any one (1) of his/her Card during Campaign Period. All related Cards including his/her supplementary Card(s) shall be automatically tracked for purposes of tabulation of the Qualifying Transactions (as defined below) throughout the Campaign Period. QUALIFYING REQUIREMENTS 1. For the purposes of these terms and conditions Qualifying Requirements means cash withdrawals and retail purchases, including online purchases, bill payment on Citibank Online including Citi Mobile and Mobile Phone Prepaid Reload, which are made with Cards of the Participant within Campaign Period, as well as for each successful and approved submissions of income documentation update for Cards, application for both Principal and Supplementary Credit Cards, and application for both CitiGold and CitiPriority accounts, which is more specifically detailed in the table below under Campaign Mechanics below. 2. The following shall NOT be included as Qualifying Requirements for the purposes of this Campaign:- a) Instalments paid under Citibank Flexi Payment Plan or Citibank Easy Payment Plan (for Citibank Credit Cards) b) Instalments paid under Citibank Ready Credit Balance Transfer via Instalment Plan or Paylite (for Citibank Ready Credit); c) Qualifying Requirements which are subsequently cancelled or refunded; d) Disputed, unauthorized or fraudulent purchase transactions; e) Payment of annual Citibank Card membership fees, f) Interest and principal payments; g) Goods and Services Tax or any other taxes; h) Late payment fees, charges for cash withdrawals or any other form of service/miscellaneous fees; or i) 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. 3. Calculation of total Qualifying Requirements shall be based on Citibank s transaction records only within the Campaign Period and posted no later than 31 October CAMPAIGN MECHANICS 1. During each Campaign Month, a customer may earn entries ( Contest Entries ) by performing the following Qualifying Requirements with his/her Citi Visa Card: Condition of Qualifying Requirement(s) i) Each approved applications below: a. Supplementary Credit Card b. New-to-Bank Credit Card c. CitiGold account d. CitiPriority account Number of Contest Entries earnable per transaction Instant Notification on Contest Entries earned* 50 N/A ii) Each spend requirement fulfilled below: a. Any amount on the selected categories, ie: Online, Visa Checkout, Overseas and Insurance Transactions b. RM30 or more at the targeted merchants in the Petrol, Grocery and Dining Categories c. RM30 or more with any Citi 10 (Online, Overseas and Petrol Transactions) or SMS (all Other Transactions) Page 2 of 7

3 Visa Debit & ATM Cards iii) Other requirements below: a. RM1,000 or more withdrawn with any Citi Visa Credit Cards b. Successful submission of updated Income Documentations 10 N/A iv) RM30 or more spend on all transactions other than (ii) above 1 SMS For the avoidance of doubt, if a Qualifying Requirement fulfills multiple conditions above, it shall only earn Contest Entries from the condition which entitles the Participant the highest number of Contest Entries. For example, a Qualifying Requirement which fulfills both condition (ii) and (iv) shall entitle a Participant for 10 Contest Entries only. *Instant Notification on Contest Entries earned is only applicable on the first transaction of each Campaign Month. 2. For Qualifying Requirements that involve Card spends, conditions (ii) and (iv), split transactions which consist of more than a total of 2 transactions in a day performed at the same merchant are not eligible for Contest Entries. If a Participant performs more than 2 transactions at the same merchant within the same day, any Contest Entries generated for his/her transactions at that merchant will be disqualified. Qualifying Requirements on Card spends are tracked using merchant description i.e. the notation of the merchant you visited captured in your monthly statements or as notified via SMS alerts (if applicable to you). 3. For Qualifying Requirements that involve Participants to initiate applications and submissions of documents, conditions (i) and (iii.b), Contest Entries will only be earned for applications and submissions of documents that are approved and/or deemed successful by Citibank during the Campaign Period and no later than 15 th October For the avoidance of doubt, applications and submissions of documents as required for Qualifying Requirements are not limited to be made only via Campaign Website. Participants may, at their own discretion, opt to submit applications and documents to Citibank via channels that are readily available, namely but not limited to: Citibank website and/or officers that are appointed by Citibank through Citibank branches, roadshows and CitiPhone. In this respect, Participants are deemed to have expressly understood and agreed that the contractual processes for applications and submissions of documents made for the purpose of this Campaign is as per existing standard operation processes of Citibank. Citibank shall not be liable for any unsuccessful or delays in applications and submissions of documents by Participants. 4. For the avoidance of doubt, Instant SMS and/or Notifications serve only as indicators of the Contest Entries received by a Participant. At the end of the Campaign Period, the total number of Contest Entries received by a Participant shall be based on Citibank s records, which will be reflected in the Overall Campaign Summary. The Overall Campaign Summary, which is conclusive, will be sent to a Participant at the end of the Campaign Period after an independent check to tally and validate the total number of Contest Entries based on the Participant s Qualifying Requirements during the Campaign Period. 5. Tabulation of Qualifying Requirements for each Campaign Month shall be based those transacted within respective Campaign Month and posted no later than the 30 th of the subsequent month based on Citibank s transaction records. 6. All Participants will be notified of their total Contest Entries earned only at the end of Campaign Period via SMS and/or . Page 3 of 7

4 7. For the avoidance of doubt, Instant SMS and/or Notifications serve only as indicators of the Contest Entries earned by a Participant. At the end of the Campaign Period, the total number of Contest Entries earned by a Participant shall be based on Citibank s records after an independent check to tally and validate the Participant s Qualifying Requirements during the Campaign Period. MONTHLY PRIZES 1. Each Contest Entry earned during a Campaign Month shall enable a Participant a chance to be shortlisted for a prize of that particular Campaign Month. For example, a Participant s Contest Entries earned in July 2016 will enable him/her a chance to be shortlisted for the Grand Prize / Consolation Prize of Month 1. Campaign Month in which Contest Entries are Earned Monthly Prizes Value (RM) Number of Winners Campaign Month 1 (15 July 14 August 2016) Campaign Month 2 (15 August 14 September 2016) Campaign Month 3 (15 September 15 October 2016) Grand Prize: The next Samsung Galaxy Note Consolation Prize: RM500 Cash Back Grand Prize: The next Samsung Galaxy Note Consolation Prize: RM500 Cash Back Grand Prize: The next Samsung Galaxy Note Consolation Prize: RM500 Cash Back 3,000* ,000* ,000* *only estimated retail value as Samsung has not revealed the suggested MSRP as at the time of publication of these terms and conditions. Although the total number of days of each Campaign Month varies, consumer fairness is ensured by the upfront disclosure of all Campaign Months eligibility periods along with the Grand Prizes upon commencement of the Campaign. Customers are given the option to participate and spend during the month of their desired Campaign Month eligibility period, or even for all 3 months, should they wish to increase their chances of winning the Campaign Prizes. Grand Prize will be the next Samsung Galaxy Note, with the estimated retail value of Ringgit Malaysia Three Thousand (RM3,000.00). Due to Samsung s new product launch disclosure policies, the actual product naming convention and visuals will only be featured in all Campaign promotional materials by 15 September At the end of a Campaign Month, each Contest Entry earned by a Participant during the Campaign Month will be given a random serial number and then sorted in ascending numeric value based on this number. After sorting, each Contest Entry will be numbered sequentially starting from 1 ( Sequential Number ) for the smallest random serial number. From here, the total number of Contest Entries earned by all Participants during the Campaign Month will be divided by 600 in order to return the multiplier number used to select 600 Participants ( Shortlisted Participants ) to win the Monthly Prizes of the Campaign Month (as defined below). Page 4 of 7

5 For example, if the total number of Contest Entries for Campaign Month 1 is 1,500,000, the multiplier will be 1,500,000/600= 2,500. As such, Contest Entries with Sequential Numbers which are multiple of 2,500 will be selected i.e. 2,500, 5,000, 7,500 1,500,000, will be selected and Participants who own any of these Contest Entries will be shortlisted. 3. Each Participant can only be shortlisted once throughout a Campaign Month. In the event where multiple Contest Entries of a Participant are selected, he/she will only be shortlisted for his/her Contest Entries with the smallest Sequential Number. 4. The Shortlisted Participants, starting with the Participant who has the Contest Entry with the smallest Sequential Number, will be sent an SMS containing a question and instructions to reply ( SMS Q&A ), 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. 5. A Shortlisted Participant who responds with the correct answer to the SMS Q&A within 24 hours after the SMS Q&A was sent (a Winner ) will win one of the Monthly Prizes, which are given away starting from the Grand Prizes and followed by the Consolation Prizes. This process repeats until all Monthly Prizes of the Campaign Month are given out. 6. If a Shortlisted Participant sends more than one SMS, only the first SMS received by Citibank will be counted. Standard telecommunication charges to reply to the SMS Q&A will apply. 7. In the event a Shortlisted Participant s reply is not received by Citibank within twenty four (24) hours after the SMS Q&A was sent to, the shortlisted Participant, he or she will be deemed disqualified from the Campaign. Citibank reserves the right to replace a disqualified Participant with a next-in-line Participant at its sole discretion. 8. A Participant may only win up to one (1) prize throughout the Campaign Period, based on the earliest Campaign Month of which he/she wins a prize. OTHER TERMS AND CONDITIONS OF PRIZES 1. Winners will be announced by Citibank on the Campaign Website within twelve (12) weeks from the end of Campaign Period. 2. The Grand Prize will be sent to respective Winner s mailing address as shown in Citibank s records, within twelve (12) weeks from the end of the Campaign Period and Consolation Prize will be credited into the respective Winner s highest active account based on Citibank s records. 3. The Grand Prize will be presented in the form of voucher/gift card, for one-time use, to redeem the specified product from selected retail outlets or locations determined by Citibank s supplier. In this regard, the Winners are allowed to: a. select the colour of the Grand Prize, where applicable, subject to availability from the supplier; and b. liaise directly with the supplier for options to upgrade the specified product or select another product, for example for a mobile phone of a smaller storage capacity to a mobile phone or a larger storage capacity, by reimbursing the price difference determined by the supplier. 4. The following additional terms and conditions shall apply to the Prizes:- a. All Prizes are given as is basis and are not transferable, nor exchangeable for credit or kind whether in part or in full. b. Where the Prizes to be redeemed under this Campaign are in the form of vouchers/gift cards issued by participating merchants or suppliers, the Prizes are valid for use until the date specified on the vouchers/gift cards and are subject to the relevant terms and conditions applicable to using them. If they remain unused or unredeemed after any specified date, these vouchers/gift cards will lapse and will not be replaced. In that respect, each and every Participant understands that the terms and conditions specified in the Prizes (where the Prizes are in the form of vouchers/gift cards) are beyond Citibank s control and are determined by the participating merchants or suppliers. Any dispute(s) arising out of the terms and conditions applicable to such Prizes must be settled directly by the relevant Participant and the participating merchants or suppliers. Citibank is not responsible for investigating or resolving any disputes between any Participant and the Page 5 of 7

6 participating merchant or supplier and is not responsible for replacing or canceling any redemption as a result of such dispute(s). c. To avoid any doubt, if the Prizes (where the Prizes are in the form of vouchers/gift cards) are used for a value less than the amount stated on them, if applicable, the difference will not be refunded to the Participant. If the value of the Prize is less than the value of the item(s) purchased, the Participant must pay the difference. d. To avoid further doubt, where the Prizes are in the form of vouchers/gift cards, such Prizes do not constitute a reservation. Participants will have to make their own reservations based on the terms and conditions applicable to using them. e. All costs, fees and/or expenses incurred or to be incurred by the Winners in relation to the Campaign and/or to claim the Prize(s), which shall include but not limited to the costs for transportation, postage/courier, personal costs and/or any other costs, are the sole responsibility of the Winners. f. 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. g. If there is any dispute or non-receipt of the Prize, Winners/Grand Prize Winners are required to contact CitiPhone at by 31 January 2017 at the latest to request an inquiry. No request for any inquiry will be entertained after 31 January 2017; h. All Citibank Card account(s) and/or other account(s), facilities or loans of the Winners must be in good standing during the Campaign, including the shortlisting process and before the date of delivery or collection of any Prize, as the case may be in order to be entitled to receive the Prize, including being prompt in payments due. i. To the fullest extent permitted 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 Campaign. Participants shall assume full liability and responsibility in case of any liability, mishap, injury, loss, damage, claim or accident (including personal injury and/or death) resulting from their participation in the Campaign, 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 Campaign 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 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, Winners and/or Grand Prize Winners who participate in this Campaign 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 permitted 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 Campaign. Citibank warrants that the disclosure of such particulars to any third party service providers shall be limited to the Eligible Persons, Participants and/or Winners names, addresses and telephone numbers and shall be used only in relation to and for purposes of the Campaign. Citibank s decision on all matters relating to the Campaign (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 Campaign. Eligible Page 6 of 7

7 Persons, Participants and/or Winners also agree to be featured in any publicity material relating to the Campaign. No fee will be paid to the Winners for any of the foregoing. OTHER TERMS AND CONDITIONS 1. If a Prize is to be awarded to a Participant who:- a) is not eligible to participate in the Campaign and/or receive the Prize; and/or, b) has committed or is suspected of committing any misconduct, fraudulent or wrongful acts in relation to his/her use of any Citibank services or facilities; Citibank reserves the right to disqualify such Participant from the Campaign and/or receiving the Prize. 2. Citibank shall not be liable for any delays on posting of transaction dates made by any merchants or any discrepancies on categorizations of the respective merchants under the Categories. Citibank shall not be responsible for any failures or delays in the transmission of evidence of sales transactions by Visa International Incorporated, merchant establishments or any other parties. 3. Citibank s decision on all matters relating to the Campaign will be final and binding. 4. To the fullest extent permitted by law, by participating in this Campaign, each and every Participant is agreeing that he/she will not hold Citibank and its officers, servants, employees, representatives and/or agents, liable for any loss or damages that he/she may incur, in connection with the Campaign. 5. 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. 6. 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 Campaign and/or replace this Campaign with another similar promotion, campaign or program with prior notice. Such variation, changes, cancellation, termination, withdrawal or suspension will be notified by posting on Citibank s website at or in any other manner as Citibank deems fit. In this respect, the Participants participation in this Campaign 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. Participants also agree that their continued participation in this Campaign 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 Campaign 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 Participant as a direct or indirect result of the act of cancellation, termination, withdrawal or suspension. 7. Any terms and conditions applicable to this Campaign 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. 8. These Terms and Conditions are governed by and construed under the laws of Malaysia. Page 7 of 7