No. Names of Department Stores in Malaysia 1 Tangs 2 Metrojaya 3 Parkson 4 AEON 5 Robinsons 6 Marks & Spencer 7 Isetan

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1 Citibank Gold 3 Times Rewards ("Citibank Gold 3X Rewards") Terms and Conditions 1. This Citibank Berhad ( Citibank ) Gold 3X Rewards Points feature ( 3X Rewards Points Feature ) is valid from 1st November 2010 onwards. Eligibility 2. Subject to Clause 3 below, all core Citibank Gold Visa/Mastercard credit Cardmember who are residents of Malaysia, are eligible to enjoy this 3X Rewards Points Feature ( Eligible Cardmember ). The following persons are NOT eligible for this 3X Rewards Points Feature: a) Holder(s) of Citibank Gold credit card(s) not issued in Malaysia; b) Holder(s) of any co-branded Citibank Gold credit cards; c) Holder(s) of Citibank Gold credit card(s) who is (are) in default of or cancelled facilities granted by Citibank, subject to Citibank s discretion; and d) Holder(s) who has (have) committed or is (are) suspected of committing any fraudulent or wrongful acts and/or transactions in relation to use of his/their Citibank credit card(s). The 3X Rewards Points Feature 3. Eligible Cardmember who use their Citibank Gold credit card for retail transactions at the following departmental stores, supermarkets and hyper markets in Malaysia are entitled to receive 3X Rewards Points in the manner as set out in Clause 4 below: No. Names of Department Stores in Malaysia 1 Tangs 2 Metrojaya 3 Parkson 4 AEON 5 Robinsons 6 Marks & Spencer 7 Isetan No. Names of Supermarkets/Hypermarkets in Malaysia 1 AEON Big formerly known as Cold Storage 2 Tesco 3 Giant 4 Carrefour 5 Everrise 6 Servay The list of stores is provided for Cardmember information only and is not a representation that the stores listed are Citibank merchants. Citibank has the right to amend the list.

2 4. Subject to these Terms and Conditions, Eligible Cardmember may receive the 3X Reward Points Feature in the following manner: Type of Credit Card Total Amount of Rewards Points Awarded a) Three (3) times Rewards Points on the amount spent on retail transactions at selected department stores (as listed in Clause 3 above). So, every RM1.00 of retail transaction posted to the Eligible Cardmember s credit card account will generate three (3) Rewards Points. Citibank Gold (as specified in Clauses 1 and 2 above) b) Three (3) times Rewards Points on the amount spent on retail transactions at selected supermarkets and hypermarkets (as listed in Clause 3 above). So, every RM1.00 of retail transaction posted to the Eligible Cardmember s credit card account will generate three (3) Rewards Points. However, the 3X Reward Points Feature for this category of retail transactions will only be rewarded to a maximum of RM3,000 amount spent on such retail transactions in each billing cycle month. Accordingly, for any amounts above such maximum spent of RM3000 in a particular billing cycle month, the usual reward points system will be applicable, that is, every RM1.00 of retail transaction posted to the Eligible Cardmember s credit card account will generate one (1) Rewards Point. 5. Generally, Cardmember can earn Rewards Points based on the total posted Ringgit (RM) amount of retail purchases (both local and international) made on the principal Card and any supplementary Card, where applicable. 6. To avoid any doubt, Citibank may specify from time to time, Card transactions, payments or items which will NOT earn Rewards Points. 7. To avoid any doubt, Citibank will NOT include the following items in the calculation of Rewards Points: a) transactions made on Flexi Payment Plan, Cash Advance, Dial-for-Cash, Easy Pay (EPP), JOMPAY, Balance Transfer or Balance Transfer via Instalment Plan; b) payment for Card account, annual fees, interest payments, late payment fees or charges for cash withdrawals; c) refunded, disputed, unauthorized or fraudulent transactions; d) government service tax and other taxes imposed by law; e) any form of service of miscellaneous fees;

3 f) premium for Credit Shield or Credit Shield Plus or any other credit insurance; g) payment of rates, charges, fines to Governmental, statutory and judicial bodies; h) catering and out-call food and beverage services; i) donations and contributions to charitable, community or social service organizations (including charitable organizations approved by the Inland Revenue Board for tax relief); j) fees or charges to any education establishments or institutions (including professional and vocational training centers); k) child care services; and l) special events/ categories (including funeral and crematoria services, clothing rental, photographic or video-graphic studios and florists) m) purchase of fuels at any petrol or gas stations; and n) any other purchases made at any petrol or gas stations. 8. Subject to the Eligibility Criteria specified above, transactions made by a supplementary Citibank Gold Cardmember will also be entitled to the 3X Rewards Points Feature. However, only the principal Eligible Cardmember will be able to make a redemption. 9. Rewards Points must be redeemed and used only by the principal Eligible Cardmember. Redemption of Rewards Points is subject to Citibank s sole discretion. Further, Citibank has the right to cancel Rewards Points earned on credit card accounts where: a) the minimum payment has been due for thirty (30) days or more; b) the credit limit has been exceeded; c) the account is believed by Citibank to be operated fraudulently; or d) any accounts otherwise closed by Citibank. 10. Cardmember should be aware that there may be a lapse of time between a transaction made or usage of the Card and the crediting of the Rewards Points into Cardmember s Citibank Gold credit card account and therefore, Citibank does not represent that any Rewards Points earned prior to redemption will be immediately made available for Cardmember or Cardmember s use or redemption for any benefits. 11. Citibank is not 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. 12. Rewards Points earned have no cash or monetary value and accrued Points or Miles are not convertible to, nor can be exchanged for any cash. Rewards Points Redemption 13. Unless amended and supplemented in these terms and conditions, the clauses in The Citi ThankYou Rewards Program Terms and Conditions will govern the Cardmembers entitlement to redeem Citi Rewards Points. The Citi ThankYou Rewards Program Terms and Conditions is accessible via

4 14. Rewards Points earned are not transferable. Cardmembers are not allowed to sell their Rewards Points to any other person. If the 3X Rewards Points are awarded to and received by persons who are not Eligible Cardmember, Citibank has the right to disqualify such persons from enjoying the additional Rewards Points and/or from redeeming or using the additional Rewards Points. Miscellaneous 15. Citibank is not liable for any default in respect of the 3X Rewards Points Feature due to any act of God, war, riot, strike, lockout, industrial action, epidemic, pandemic, fire, flood, drought, storm, technical or systems failure or any event beyond the reasonable control of Citibank. 16. (1) Citibank s decisions on all matters relating to the 3X Rewards Points Feature, including the determination of Eligible Cardmember is conclusive and binding. (2) Citibank is entitled, in its absolute discretion, and without giving any reasons, to take into account any card transaction or charges or retail purchase in the calculation of Rewards Points or to otherwise vary the basis of calculation of Rewards Points. 17. (1) Citibank has the right to terminate or suspend the 3X Rewards Points Feature with prior notice. (2) Such termination or suspension by Citibank of the 3X Rewards Points Feature does not entitle the Cardmember to any claim or compensation against Citibank for any losses or damages incurred by the Cardmember as a result of the act of termination or suspension. 18. (1) Participation in the 3X Rewards Points Feature is subject to these Terms and Conditions and the terms and conditions in the Citibank Credit Card Terms and Condition and the Citibank Rewards Program. If there is any inconsistency between these terms & conditions and the Citibank Rewards Program Terms & Conditions only for in relation to the 3X Rewards Points Feature, these terms & conditions will prevail. (2) Citibank has the right to modify, vary, delete or add to any of these Terms and Conditions with prior notice. These Terms and Conditions may be modified, varied, amended, deleted or added to by Citibank by way of posting on its website ("Website") or in any other manner deemed suitable by Citibank. (3) The Eligible Cardmember agree to access the Website regularly to view and understand these Terms and Conditions and to ensure that they are kept up-to-date with any changes to these Terms and Conditions. (4) The Eligible Cardmember agree that their participation in the 3X Rewards Points Feature constitutes their acceptance of these Terms and Conditions. 19. These Terms and Conditions prevail over any provisions or representations contained in any other promotional materials advertising the 3X Rewards Points Feature. 20. To the fullest extent permitted by law, in no event will Citibank or any of its officers, servants, employees, representatives and/or agents (including any third party service providers that Citibank

5 may engage for purposes of the 3X Rewards Points Feature) be liable for any losses or damages (including loss of income, profits or goodwill or indirect, incidental, consequential, exemplary, punitive or special damages of any party including third parties) which arise in connection with the 3X Rewards Points Feature, even if Citibank has been advised of the possibility of such damages in advance. All such damages are expressly excluded. 21. These terms and conditions will be governed by and interpreted in accordance with the laws of Malaysia. /Feb2014