Citibank Suvidha Salary Account Offers Terms & Conditions

Transcription

1 1 Citibank Suvidha Salary Account Offers Terms & Conditions Cleartrip 1. The offer can be availed only on transactions done using an eligible Citibank MasterCard Debit Card issued in India. 2. The Offer is valid till 30 th April, Under this Offer, using promotion code CTMASTERCARD Cleartrip Local Experiences: Cardholder get Rs.300 Cleartrip Wallet cashback on Cleartrip Local Activities & Eat Out experiences worth Rs.1,000 more. Not valid on Events. Domestic Roundtrip Flights: Get Rs.1,000 Cleartrip Wallet cashback on Domestic Roundtrip Flights worth Rs.7,500 or more. International Flights: Get Rs.1,000 Cleartrip Wallet cashback on International Flights worth Rs.15,000 or more. Domestic Hotels: Get Rs.1,000 Cleartrip Wallet cashback on Domestic Hotels worth Rs.5,000 or more, for minimum 2 nights stay. International Hotels: Get Rs.1,000 Cleartrip Wallet cashback on International Hotels worth Rs.5,000 or more, for minimum 2 nights stay. 4. Offer valid on Cleartrip B2C site, Mobile Site & Mobile APP. 5. The offer can be availed only once during the offer period. 6. Domestic Flight Booking excludes convenience fee and any ancillaries purchased eg: meals, insurance. 7. The Offer is available only upon making full payment by a valid and unexpired MasterCard card issued in India. Not valid for transactions made on IVR/Phone with Cleartrip Customer Care. Also not valid for part/full payment made with Cleartrip Wallet balance. 8. To redeem this offer, cardholders should login to their account or create an account, if they are not registered. 9. Offer is non-transferable and cannot be exchanged for cash or cheque or any form of credit. 10. Cleartrip wallet cashback will get credited in your Cleartrip wallet within 24 hours. 11. Cleartrip wallet Cashback amount to be utilized within 60 days from the date of credit, if not then the cashback amount would be forfeited automatically as no extension can be given to utilize the amount. 12. Any dispute regarding delivery, service, suitability, merchantability, availability or quality of the offer/or product/services availed under this offer must be addressed by the cardholder directly to Cleartrip at customersupport@cleartrip.com or by calling Citibank or MasterCard will not be liable for the same. 13. Cardholders are not bound in any way to participate in the Offer. Any participation shall be voluntary and all participants understand, acknowledge and agree that the Offer is purely on a best effort basis and Citibank or MasterCard does not assume any liability whatsoever regarding the Offer, the delivery of services or any incidental matter. 14. No two offers can be clubbed together and no additional discount/offer will be applicable.

2 2 15. Total minimum spends will be calculated on the basis of product cost only excluding all taxes, VAT, delivery charges, etc. Any taxes or liabilities or charges payable to the Government or any other authority or body, if any, shall be borne directly by the cardholder and/ or billed to the account of the cardholder 16. Any cardholder who utilises, participates in, or attempts to utilise or participate in the Citibank/MasterCard Card Offers programme, irrevocably agrees to the following: MasterCard/Citibank will not be liable under contract, tort or any other theory of law for any claim regarding loss or damage howsoever incurred in relation to the use (or attempted use) of the Offer; and accordingly, the cardholder will not make any claim against MasterCard/Citibank regarding the same. 17. Each benefit/privilege may be subject to additional terms and conditions imposed by Cleartrip. For details visit Cardholders are solely responsible for checking and complying with the same. 18. These terms and conditions shall be governed by the laws of India and any dispute arising out of or in connection with these terms and conditions shall be subject to the exclusive jurisdiction of the courts in Mumbai. 19. MasterCard and Citibank reserve the right to add, alter, modify, change or vary any of these terms and conditions or to replace, wholly or in part, this Offer by another offer, whether similar or not, or to withdraw it altogether at any point in time, without any prior notice. 20. Payment of products purchased/ fees/ service charges/ all other amounts due from the card holder to Citibank from usage of Citibank MasterCard debit or credit cards under this Offer and/or otherwise will be governed by Citibank Account Terms & Conditions, the Card member Terms and Conditions and the Most Important Terms & Conditions as well as the complete terms and conditions which are also available on the online portal If the Offer and/or anything to be done by Citibank, MasterCard or any other entity in respect of the Offer is prevented or delayed by causes, circumstances or events beyond the control of Citibank, MasterCard or any other entity, including but not limited to, tampering, unauthorized intervention, interception, fraud, technical failures, floods, fires, accidents, earthquakes, riots, explosions, wars, hostilities, acts of government, or other causes of like or similar or other character beyond the control of Citibank, MasterCard or any other entity, then Citibank, MasterCard and/or the other entity shall not be liable for the same to the extent so prevented or delayed, and will not be liable for any consequences and on occurrence of such event, the Offer may be withdrawn at the discretion of Citibank. ABOF 1. The offer can be availed only on transactions done using an eligible Citibank MasterCard Debit Card issued in India. 2. The Offer is valid till 30 December Under this Offer, cardholder will get Rs.500 Off on spend of Rs.1,495 and above, using the promotion code ABOFMAS500C. 4. The offer is applicable only on website and Mobile App. 5. Offer will not be availed on UCB, Fabindia, INC5, W, Biba, SKULT and Aurelia. 6. Offer not applicable during End of Season Sale. 7. The offer can be availed only once during the offer period. 8. The offer can be availed only on transactions done using an eligible MasterCard Card issued in India. Offer is not valid for Cash on Delivery.

3 3 9. To redeem this offer, cardholders should login to their account or create an account, if they are not registered. 10. Offer is non-transferable and cannot be exchanged for cash or cheque or any form of credit. 11. Total minimum spends will be calculated on the basis of product cost only excluding all taxes, VAT, delivery charges, etc. Any taxes or liabilities or charges payable to the Government or any other authority or body, if any, shall be borne directly by the cardholder and/ or billed to the account of the cardholder 12. Any dispute regarding delivery, service, suitability, merchantability, availability or quality of the offer/or product/services availed under this offer must be addressed in writing, by the cardholder directly to Aditya Birla Online Fashion Pvt Ltd. at or by calling MasterCard or the issuing bank will not be liable for the same. 13. Cardholders are not bound in any way to participate in the Offer. Any participation shall be voluntary and all participants understand, acknowledge and agree that the Offer is purely on a best effort basis and MasterCard or Citibank does not assume any liability whatsoever regarding the Offer, the delivery of services or any incidental matter. 14. No two offers can be clubbed together and no additional discount/offer will be applicable. 15. Any cardholder who utilises, participates in, or attempts to utilise or participate in the MasterCard Card Offers programme, irrevocably agrees to the following: MasterCard will not be liable under contract, tort or any other theory of law for any claim regarding loss or damage howsoever incurred in relation to the use (or attempted use) of the Offer; and accordingly, the cardholder will not make any claim against MasterCard regarding the same. 16. Each benefit/privilege may be subject to additional terms and conditions imposed by Aditya Birla Online Fashion Pvt. Ltd. The services shall be governed by the terms and conditions set out in Cardholders are solely responsible for checking and complying with the same. 17. These terms and conditions shall be governed by the laws of India and any dispute arising out of or in connection with these terms and conditions shall be subject to the exclusive jurisdiction of the courts in Mumbai. 18. MasterCard and Citibank reserve the right to add, alter, modify, change or vary any of these terms and conditions or to replace, wholly or in part, this Offer by another offer, whether similar or not, or to withdraw it altogether at any point in time, without any prior notice. 19. Payment of products purchased/ fees/ service charges/ all other amounts due from the card holder to Citibank from usage of Citibank MasterCard debit or credit cards under this Offer and/or otherwise will be governed by Citibank Account Terms & Conditions, the Card member Terms and Conditions and the Most Important Terms & Conditions as well as the complete terms and conditions which are also available on the online portal If the Offer and/or anything to be done by Citibank, MasterCard or any other entity in respect of the Offer is prevented or delayed by causes, circumstances or events beyond the control of Citibank, MasterCard or any other entity, including but not limited to, tampering, unauthorized intervention, interception, fraud, technical failures, floods, fires, accidents, earthquakes, riots, explosions, wars, hostilities, acts of government, or other causes of like or similar or other character beyond the control of Citibank, MasterCard or any other entity, then Citibank, MasterCard and/or the other entity shall not be liable for the same to the extent so prevented or delayed, and will not be liable for any consequences and on occurrence of such event, the Offer may be withdrawn at the discretion of Citibank.

4 4 Shoppers Stop 1. The offer can be availed only on transactions done using an eligible Citibank MasterCard Debit Card issued in India. 2. The Offer is valid till 31 June Under this Offer, cardholder will get Rs. 500 Off on spend of Rs 3000 or above, using the promotion code MC500. Offer valid only for online orders placed on website and App. 4. The Discount will not be applicable on Casio Watches, Nautica, Tommy Hilfiger, Fastrack, FCUK, Police, Sonata, Timberland, Titan, Xylys, Zoop, Nebula, Loccitane, Fine Jewellery, Gold Coins, Gift Vouchers/Cards/Topups, E-Gift Voucher, First Citizen membership card. 5. Offer can be availed only one time per user during the offer period and will not be applicable during End of Season Sale. 6. The approval of the order is at the sole discretion of Shoppers Stop and using the promo code is mandatory to avail of the offer. 7. Minimum threshold spend to qualify for the offer will be calculated on basis of product/service costs only excluding taxes, VAT, delivery charges, etc. Any taxes or liabilities or charges payable to the Government or any other authority or body, if any, shall be borne directly by the cardholder and/ or billed to the account of the cardholder. 8. The offer can be availed only on transactions done using an eligible MasterCard Card issued in India. Offer is not valid for Cash on Delivery. 9. To redeem this offer, cardholders should login to their account or create an account, if they are not registered. 10. Offer is non-transferable and cannot be exchanged for cash or cheque or any form of credit. 11. Shoppers Stop does not return or exchange Gift Vouchers, Fine Jewellery, Gold Jewellery, Gold Coins, Undergarments, Altered Garments, Cosmetics & Perfumes, Sunglasses, First Citizen Card, Maxit Products, Electronic Products and Watches for hygiene and other reasons. 12. Any dispute regarding delivery, service, suitability, merchantability, availability or quality of the offer/or product/services availed under this offer must be addressed in writing, by the cardholder directly to Shoppers Stop at or by calling Citibank or MasterCard will not be liable for the same. 13. Cardholders are not bound in any way to participate in the Offer. Any participation shall be voluntary and all participants understand, acknowledge and agree that the Offer is purely on a best effort basis and MasterCard or Citibank does not assume any liability whatsoever regarding the Offer, the delivery of services or any incidental matter. 14. No two offers can be clubbed together and no additional discount/offer will be applicable. 15. Any cardholder who utilises, participates in, or attempts to utilise or participate in the MasterCard or Citibank Card Offers programme, irrevocably agrees to the following: MasterCard or Citibank will not be liable under contract, tort or any other theory of law for any claim regarding loss or damage howsoever incurred in relation to the use (or attempted use) of the Offer; and accordingly, the cardholder will not make any claim against MasterCard or Citibank regarding the same. 16. Each benefit/privilege may be subject to additional terms and conditions imposed by Shoppers Stop. Cardholders are solely responsible for checking and complying with the same. For details, visit These terms and conditions shall be governed by the laws of India and any dispute arising out of or in connection with these terms and conditions shall be subject to the exclusive jurisdiction of the courts in Mumbai.

5 5 18. In the event of non-happening, cancellation or partial happening of the offer for reasons beyond anybody s control or Act of God, neither Shoppers Stop nor their agent, sponsors nor their agent, successors or assigns shall be liable to any of the customers participating in the offer. 19. MasterCard and Citibank reserve the right to add, alter, modify, change or vary any of these terms and conditions or to replace, wholly or in part, this Offer by another offer, whether similar or not, or to withdraw it altogether at any point in time, without any prior notice." 20. Payment of products purchased/ fees/ service charges/ all other amounts due from the card holder to Citibank from usage of Citibank MasterCard debit or credit cards under this Offer and/or otherwise will be governed by Citibank Account Terms & Conditions, the Card member Terms and Conditions and the Most Important Terms & Conditions as well as the complete terms and conditions which are also available on the online portal If the Offer and/or anything to be done by Citibank, MasterCard or any other entity in respect of the Offer is prevented or delayed by causes, circumstances or events beyond the control of Citibank, MasterCard or any other entity, including but not limited to, tampering, unauthorized intervention, interception, fraud, technical failures, floods, fires, accidents, earthquakes, riots, explosions, wars, hostilities, acts of government, or other causes of like or similar or other character beyond the control of Citibank, MasterCard or any other entity, then Citibank, MasterCard and/or the other entity shall not be liable for the same to the extent so prevented or delayed, and will not be liable for any consequences and on occurrence of such event, the Offer may be withdrawn at the discretion of Citibank. First Cry 1. The offer can be availed only on transactions done using an eligible Citibank MasterCard Debit Card issued in India. 2. The Offer is valid till 31 March Under this Offer, cardholder will get Rs.500 Off on spend of Rs.1,499 and above, using the promotion code FCMASTER The offer is applicable only on website and Mobile App. 5. The offer can be availed only once during the offer period. 6. The offer can be availed only on transactions done using an eligible MasterCard Card issued in India. Offer is not valid for Cash on Delivery. 7. To redeem this offer, cardholders should login to their account or create an account, if they are not registered. 8. Offer is non-transferable and cannot be exchanged for cash or cheque or any form of credit. 9. Total minimum spends will be calculated on the basis of product cost only excluding all taxes, VAT, delivery charges, etc. Any taxes or liabilities or charges payable to the Government or any other authority or body, if any, shall be borne directly by the cardholder and/ or billed to the account of the cardholder

6 6 10. Any dispute regarding delivery, service, suitability, merchantability, availability or quality of the offer/or product/services availed under this offer must be addressed in writing, by the cardholder directly to FirstCry at or by calling or MasterCard or Citibank will not be liable for the same. 11. Cardholders are not bound in any way to participate in the Offer. Any participation shall be voluntary and all participants understand, acknowledge and agree that the Offer is purely on a best effort basis and MasterCard does not assume any liability whatsoever regarding the Offer, the delivery of services or any incidental matter. 12. No two offers can be clubbed together and no additional discount/offer will be applicable. 13. Any cardholder who utilises, participates in, or attempts to utilise or participate in the MasterCard or Citibank Card Offers programme, irrevocably agrees to the following: MasterCard or Citibank will not be liable under contract, tort or any other theory of law for any claim regarding loss or damage howsoever incurred in relation to the use (or attempted use) of the Offer; and accordingly, the cardholder will not make any claim against MasterCard or Citibank regarding the same. 14. Each benefit/privilege may be subject to additional terms and conditions imposed by FirstCry. Cardholders are solely responsible for checking and complying with the same. 15. These terms and conditions shall be governed by the laws of India and any dispute arising out of or in connection with these terms and conditions shall be subject to the exclusive jurisdiction of the courts in Mumbai. 16. MasterCard and Citibank reserve the right to add, alter, modify, change or vary any of these terms and conditions or to replace, wholly or in part, this Offer by another offer, whether similar or not, or to withdraw it altogether at any point in time, without any prior notice. 17. Payment of products purchased/ fees/ service charges/ all other amounts due from the card holder to Citibank from usage of Citibank MasterCard debit or credit cards under this Offer and/or otherwise will be governed by Citibank Account Terms & Conditions, the Card member Terms and Conditions and the Most Important Terms & Conditions as well as the complete terms and conditions which are also available on the online portal Urban Clap 18. If the Offer and/or anything to be done by Citibank, MasterCard or any other entity in respect of the Offer is prevented or delayed by causes, circumstances or events beyond the control of Citibank, MasterCard or any other entity, including but not limited to, tampering, unauthorized intervention, interception, fraud, technical failures, floods, fires, accidents, earthquakes, riots, explosions, wars, hostilities, acts of government, or other causes of like or similar or other character beyond the control of Citibank, MasterCard or any other entity, then Citibank, MasterCard and/or the other entity shall not be liable for the same to the extent so prevented or delayed, and will not be liable for any consequences and on occurrence of such event, the Offer may be withdrawn at the discretion of Citibank. 1. The offer can be availed only on transactions done using an eligible Citibank MasterCard Debit Card issued in India. 2. The Offer is valid till 31 March 2018.

7 7 3. Under this Offer, Cardholders get Rs.200 Cashback on spend of Rs.1,000 and above at UrbanClap Mobile App by quoting the promotion code MC200X. 4. Offer can be availed only once on Mobile App. 5. To redeem this offer on the mobile app, cardholders should login to their account or create an account, if they are not registered. 6. The offer can be availed only on transactions done using an eligible MasterCard Card issued in India. Not valid on Netbanking or Wallet payments. 7. Offer is non-transferable and cannot be exchanged for cash or cheque or any form of credit. 8. Total minimum spends will be calculated on the basis of product cost only excluding all taxes, VAT, delivery charges, etc. Any taxes or liabilities or charges payable to the Government or any other authority or body, if any, shall be borne directly by the cardholder and/ or billed to the account of the cardholder 9. Any dispute regarding delivery, service, suitability, merchantability, availability or quality of the offer/or product/services availed under this offer must be addressed in writing, by the cardholder directly to UrbanClap at or by calling MasterCard or Citibank will not be liable for the same. 10. Cardholders are not bound in any way to participate in the Offer. Any participation shall be voluntary and all participants understand, acknowledge and agree that the Offer is purely on a best effort basis and MasterCard or Citibank does not assume any liability whatsoever regarding the Offer, the delivery of services or any incidental matter. 11. No two offers can be clubbed together and no additional discount/offer will be applicable. 12. Any cardholder who utilises, participates in, or attempts to utilise or participate in the MasterCard or Citibank Card Offers programme, irrevocably agrees to the following: MasterCard or Citibank will not be liable under contract, tort or any other theory of law for any claim regarding loss or damage howsoever incurred in relation to the use (or attempted use) of the Offer; and accordingly, the cardholder will not make any claim against MasterCard or Citibank regarding the same. 13. Each benefit/privilege may be subject to additional terms and conditions imposed by UrbanClap. Cardholders are solely responsible for checking and complying with the same. 14. Any dispute relating to the offer will be settled under the sole and exclusive jurisdiction of Mumbai courts only. 15. MasterCard and Citibank reserve the right to add, alter, modify, change or vary any of these terms and conditions or to replace, wholly or in part, this Offer by another offer, whether similar or not, or to withdraw it altogether at any point in time, without any prior notice. 16. Payment of products purchased/ fees/ service charges/ all other amounts due from the card holder to Citibank from usage of Citibank MasterCard debit or credit cards under this Offer and/or otherwise will be governed by Citibank Account Terms & Conditions, the Card member Terms and Conditions and the Most Important Terms & Conditions as well as the complete terms and conditions which are also available on the online portal If the Offer and/or anything to be done by Citibank, MasterCard or any other entity in respect of the Offer is prevented or delayed by causes, circumstances or events beyond the control of

8 8 Citibank, MasterCard or any other entity, including but not limited to, tampering, unauthorized intervention, interception, fraud, technical failures, floods, fires, accidents, earthquakes, riots, explosions, wars, hostilities, acts of government, or other causes of like or similar or other character beyond the control of Citibank, MasterCard or any other entity, then Citibank, MasterCard and/or the other entity shall not be liable for the same to the extent so prevented or delayed, and will not be liable for any consequences and on occurrence of such event, the Offer may be withdrawn at the discretion of Citibank. Zoomcar 1. The Offer is valid till 30 th June Under this Offer, cardholder will get 20% Off on any car booking (subject to cap of Rs.1,200), using the promotion code ALCITIP. 3. Offer valid on First Drive Only 4. The offer is applicable only on website and Mobile App. 5. The offer can be availed only once during the offer period. 6. To book, minimum billing is for 4 hours. All bookings between 1hour to 3 hours will be billed at 4 hours. 7. Maximum discount under the offer is capped at Rs.1, Offer applicable from Monday to Thursday only. Vehicle booking from Friday to Sunday will not be considered under this offer. 9. Offer is applicable only on self-drive rental. 10. Discount applicable only on original reservation charges (not applicable on excess Km, late return fee, or other fees/charges). 11. Offer not applicable on blackout days; for details visit: A fully refundable security deposit of Rs.5,000 will be charged at time of booking and the security deposit will not be considered for the purpose of the offer. 13. The offer can be availed only on transactions done using an eligible Mastercard Card issued in India. Offer is not valid for Cash on Delivery. 14. To redeem this offer, cardholders should login to their account or create an account, if they are not registered. 15. Offer is non-transferable and cannot be exchanged for cash or cheque or any form of credit. 16. Any dispute regarding delivery, service, suitability, merchantability, availability or quality of the offer/or product/services availed under this offer must be addressed in writing, by the cardholder directly to Zoomcar. at support@zoomcar.com or by calling +91-(STD code) Mastercard or the issuing bank will not be liable for the same. 17. Cardholders are not bound in any way to participate in the Offer. Any participation shall be voluntary and all participants understand, acknowledge and agree that the Offer is purely on a best effort basis and Mastercard does not assume any liability whatsoever regarding the Offer, the delivery of services or any incidental matter. 18. No two offers can be clubbed together and no additional discount/offer will be applicable. 19. Any cardholder who utilises, participates in, or attempts to utilise or participate in the Mastercard Card Offers programme, irrevocably agrees to the following: Mastercard will not be liable under contract, tort or any other theory of law for any claim regarding loss or damage howsoever incurred in relation to the use (or attempted use) of the Offer; and accordingly, the cardholder will not make any claim against Mastercard regarding the same.

9 9 20. Each benefit/privilege may be subject to additional terms and conditions imposed by Zoomcar. Cardholders are solely responsible for checking and complying with the same. 21. These terms and conditions shall be governed by the laws of India and any dispute arising out of or in connection with these terms and conditions shall be subject to the exclusive jurisdiction of the courts in Mumbai. 22. Mastercard reserves the right to add, alter, modify, change or vary any of these terms and conditions or to replace, wholly or in part, this Offer by another offer, whether similar or not, or to withdraw it altogether at any point in time, without any prior notice. HOTELS.COM 1. MASTERCARD: Use this coupon to get 8% off the price of the first room in your booking at participating Best Price Guarantee hotels. You need to book by 11:59 pm local time on December 31 st, 2017* on Hotels.com/MasterCard for a stay to be completed by March 31 st, Bookings are subject to availability and the hotel's terms and conditions. To use this coupon, you must be over 18 years old. You must pay for your stay when you make the booking. The discount doesn't apply to any taxes, fees or additional costs, and you'll need to pay the full price for any other rooms in this booking 3. This coupon can't be used for: a) Package bookings i.e. hotel + flight b) Bookings made through Group Travel Services c) Bookings paid for at the hotel d) Bookings paid for in a foreign currency e) Bookings at non-participating hotels f) Bookings made prior to receipt of this coupon 4. Go to for a list of non-participating hotels. Participating hotels are subject to change at any time. You'll be able to check that the coupon is still valid before completing a booking. There's a limit of one coupon per booking, and it can't be combined with other offers. You can't collect or redeem Welcome Rewards nights when you use this coupon 5. You can't apply this coupon to taxes, fees, or charges including, without limitation, extra guests, phone calls, cancellation fees, parking, or other charges. You must pay these charges when you make your booking, or directly at the hotel. You can't redeem this coupon for cash, and it can't be transferred or sold. It's void where prohibited by law. Improper use of the coupon by you is prohibited and could be construed as fraud TERMS AND CONDITIONS We reserve the right to change or withdraw this offer at any time. Usual booking terms and conditions apply (see hotels.com/customer_care/terms_conditions.html) and all bookings are subject to availability. Hotels.com is the promoter of this offer. These terms and conditions are governed by and construed in accordance with English Law.

10 10 EazyDiner The terms and conditions for Eazydiner offer can be found on the below link: Terms and conditions for Suvidha Salary Accounts Account opening is subject to Citibank Terms and conditions and applicable RBI guidelines. Citibank Home Loans & Personal Loans - Terms and conditions apply. All loans are at the sole discretion of Citibank, N.A. Citibank reserves the right to ask for any additional documents from the applicant/borrower. Citibank reserves the right, at any time, with notice, to add/alter/ modify/change or vary any of the terms and conditions or to replace, wholly or in part. All products / facilities mentioned in this booklet are subject to Citibank terms and conditions. Home loans are subject to necessary RBI and other local approvals. Citibank Personal Loan - Terms and conditions Apply. Timelines mentioned include only working days. Timelines mentioned, if any, would commence once the entire documentation as per Citibank's requirements are submitted by the applicant. Subject to Citibank approval criteria. For detailed Terms and conditions, please refer Terms and conditions apply. Subject to a maximum limit of Rs 5 Lakhs per month. Citibank N.A. provides investment services as a distributor of third party Investment products (shortly referred as investment products ). Citibank N.A. does NOT provide investment advisory services in any manner or form. Investment products do not pertain to Citibank. Investment Products(i) are not bank deposits or obligations of or guaranteed by Citibank, N.A. Citigroup, Inc or any of its affiliates or subsidiaries; (ii) are not insured by any governmental agency and (iii) are subject to investment risks, including the possible loss of the principal amount invested. Past performance is not indicative of future results, prices/invested sum is subject to market risks which may result in appreciation or depreciation. The ownership of any investment decision(s) shall exclusively vest with the Investor after analyzing all possible risk factors and by exercise of his/her/its independent discretion and Citibank N.A shall not be liable or held liable for any consequences thereof. Investment products are not available to US persons, Residents of Canada and may not be available in all jurisdictions. By making any investment, you confirm your deemed acceptance to the conditions mentioned herein. Investment products are distributed by Citibank N.A. on a non -discretionary and non participation basis. The final investment decision shall at all times exclusively remain with the investor. Investor investing in investment products acknowledge that: (i) the third party product provider may invest in products denominated in non-local currency; (ii) there could be risk of exchange rate fluctuations, which may result in loss of principal or erosion of value of investment. This document does not constitute the distribution of any information or the making of any offer or solicitation by anyone in any jurisdiction in which such distribution or offer is not authorized or to any person to whom it is unlawful to distribute such a document or make such an offer or solicitation. Please exercise diligence by reading & understanding the Key Information Memorandum(s)/Scheme Investment Document(s) & Statement of Additional Information/Term Sheet/Prospectus carefully before investing and no claim whatsoever shall be made

11 11 against Citibank N.A. any of its affiliates or subsidiaries and / or employees claiming any influence/recommendation/advice/responsibility/liability as against your decision to invest in any investment product. Investor should ensure to understand, accept the identities of different parties and the roles that they play in relation to the various Investment Product(s). Investor acknowledges that, there may be various actual or potential conflicts of interest between Citibank N.A. India, Citigroup Capital Markets Ltd., Citigroup Inc. or their affiliates or subsidiaries (collectively Connected Persons ) and that of an investor itself, as a result of the various investment and/or commercial businesses and/or activities of the Connected Persons. You are deemed to accept, on purchasing/ subscribing / investing to a particular Investment Product(s), that any such conflict may exist and may be prejudicial to an investment in the Investment Product(s). Citibank N.A. provides no independent research or analysis in the substance or preparation of this report. The information in this report has been obtained from reports issued by Citigroup Global Markets and Citigroup Investment Research. Such information is based upon sources Citigroup Global Markets (CGM) / Citigroup Investment Research (CIR) believe to be reliable. CGM and / or Citibank N.A., however, do not guarantee its accuracy and it may be incomplete or condensed. All opinions and estimates constitute CGM's view as of the date of report and are subject to change without notice. This report / presentation is provided for general information only and nothing contained in the material constitutes a recommendation for the purchase or sale of any security and/or currency. As a prerequisite condition for arriving at a decision to invest, any investor considering an investment should seek independent advice on the suitability or otherwise of the particular investment. For detailed T&Cs, visit