Citibank Rewards Program Brand New Redemption Experience

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1 Citibank Rewards Program Brand New Redemption Experience Citibank Rewards With flexible redemption methods, you can redeem your rewards with Citibank Reward : Citibank Rewards Reward Category Redemption Channels Shop for Free - Citibank Rewards Catalogue Citibank Rewards - 24-hour CitiPhone Banking Hotline 24Citibank e.g. Coupons - Mail - Fax Charity - Citibank Rewards Catalogue Citibank Rewards - 24-hour CitiPhone Banking Hotline 24Citibank e.g. Charity donation - Mail - Fax Travel for Free e.g. Mileage - Citibank Rewards Catalogue Citibank Rewards - Mail - Fax Fee Waiver - Citibank Rewards Catalogue Citibank Rewards - 24-hour CitiPhone Banking Hotline 24Citibank e.g. Annual fee waiver - Mail - Fax 4 Fast & Easy Redemption Methods 4 Citibank Credit Cardholders, Citibank I.T VISA Cardholders and Diners Club Cardmembers can redeem items via the redemption methods below: CitibankCitibank I.T VISA Card/ Instant Citibank Rewards ^ Instantly offset spending or redeem gift vouchers with Citibank Rewards at over 1,500 Redemption Hotspots. 1,500 Citibank Rewards Catalogue Citibank Rewards Redeem your rewards at our online Citibank Rewards Catalogue. Citibank Rewards Mail Redemption Please complete the redemption form and mail to Citibank Gift Fulfillment Department, Citibank (Hong Kong) Limited, GPO Box 3463, Hong Kong Fax Redemption For fax order, please do not mail the redemption form to us to avoid duplication of order. ^ Instant Citibank Rewards is only applicable to designated card types, please enquire merchants for details. Citibank Rewards For more details of Citibank Rewards Program, please visit Citibank Rewards 1

2 To : Citibank (Hong Kong) Limited/Diners Club International (HK) Ltd Gift Fulfillment Department Fax: (852) Citibank Rewards/Diners Club Card Rewards Program ("Citibank Rewards Program") Redemption Form Card Details Please debit the required from the following Citibank Credit Card/Diners Club Card account: Cardholder/Cardmember Name: Expiry Date: M Y Daytime Contact Phone No.: (Please print in English BLOCK letters, same as the one on your Card) Cardholder/Cardmember Signature: Date of Redemption: M D Y (Same as the one on your Card) Citibank Credit Card/Diners Club Card Account No.: Pooling of I would like to pool points from the following Citibank Credit Card/Diner Club Card accounts to the above Citibank Credit Card/Diners Club Card account for redemption. (1) Name: Account Number: : (2) Name: Account Number: : are not transferable to others but can only be pooled between cards within the following groups. Pooling of between Citibank Credit Cards and Diners Club Cards are not permitted. Group 1 : Citibank Classic Card, Citibank Gold Card and Citibank Rewards Card; Group 2 : Citibank Ultima Card, Citi Prestige Card and Citibank Premier Card; Group 3 : Diners Club Card (except Diners Club Corporate Card with central billing). I. Coupon Redemption Item Code Redeem Quantity Required Per Item Total Required Total Required: Remarks: 1. Please indicate your gift choice and specify the total to be deducted. No cancellation, exchange or return of redeemed items will be entertained. 2. Coupons will be sent to the statement mailing address within 2-3 weeks (P.O. Box and overseas addresses are not accepted). 2

3 II. Frequent Flyer Program & Hotel Privileges Programs Applicable to Citibank Rewards Card, Citibank Gold Card and Citibank Classic Card and: Minimum Total / Total Item Conversion Rate Membership Number Registered Name Redemption Unit to be redeemed Required Asia 15 = 1 Mile 500 British Airways Executive Club 15 = 1 Mile = 1 Mile 500 Royal Orchid Plus 15 = 1 Mile 2,000 Sky 15 = 1 Mile 1,500 IHG Rewards 15 = 1 Hotel Point 500 Hotel Applicable to Citibank Premier Card, Citibank Ultima Card and Citi Prestige Card: Item Conversion Rate Minimum Total / Total Redemption Unit Hotel to be redeemed Required Membership Number Registered Name Asia British Airways Executive Club Etihad Guest Eva Air Infinity Mileagelands Garuda Frequent Flyer 12 = 1 Mile 12 = 1 Mile 12 = 1 Mile 18 = 1 Mile 12 = 1 Mile = 1 Mile 500 Malaysia Airlines Enrich Qatar Airways Privilege Club 12 = 1 Mile 13 = 1 Mile 500 2,500 Royal Orchid Plus 13 = 1 Mile 2,000 Sky 13 = 1 Mile 1,500 Club Carlson Hilton HHonors IHG Rewards 8 = 1 Hotel Point 8 = 1 Hotel Point 12 = 1 Hotel Point 500 Hotel 500 Hotel 500 Hotel Applicable to Diners Club Card: Minimum Total / Total Item Conversion Rate Membership Number Registered Name Redemption Unite to be redeemed Required Asia 12 = 1 Mile 500 Sky 12 = 1 Mile Frequent Flyer & Hotel Privileges Program is applicable to selected card types. Please refer to Terms & Conditions for details. 2. A handling fee of HK$50 will be charged for every 5,000 miles/ hotel points redeemed per transaction through Frequent Flyer and Hotel Privileges Program, i.e. HK$100 will be charged for 10,000 miles/ hotel points redeemed, etc. If the redemption is less than 5,000 miles/ hotel points or not in multiples of 5,000 miles/ hotel points, handling fee will be still charged in multiples of HK$50. The minimum charge per redemption is HK$50 and the maximum charge is HK$300. Handling fee is waived for Citibank Ultima Card, Citibank Premier Cardholders and Citi Prestige Cardholders. 3. The redemption needs to be in multiples of 500 miles/ hotel points on top of the minimum level. 4. Only principal cardholder with active Frequent Flyer & Hotel Privileges Program's membership will be eligible for mileage and hotel points redemption. The registered name of the Frequent Flyer & Hotel Privileges Program s membership must be the same as the name of principal cardholder. 3

4 () / () (852) Citibank Rewards/ Citibank Rewards / () / () Citibank/ Citibank/Citibank/ (1) (2) Citibank * CitibankCitibankCitibank Rewards * Citibank Ultima CardCiti PrestigeCitibank Premier * () 4

5 II. Citibank RewardsCitibankCitibank 15 = = = = 1 2, = 1 1, = Citibank PremierCitibankCiti Prestige 12 = = Etihad Guest 12 = = = = Enrich 12 = Qatar Airways Privilege Club 13 = = 1 2, = 1 1,500 Club Carlson 8 = = = = = ,000//HK$5010,000/HK$1005,000/ 5,000/HK$50HK$300Citibank UltimaCitibank PremierCiti Prestige / 4. / 5

6 Citibank Rewards/Diners Club Card Rewards Program Index Citibank Rewards/ Valid Until December 31, Shop for Free Item Code Product Name Reward Citibank Rewards Program Citibank Rewards Diners Club Cards Rewards Program City' Super HK$100 Gift Coupon City'super HK$100 25, Fortress HK$100 Gift Coupon HK$100 25, Genki Sushi HK$100 Gift Coupon HK$100 25, Giordano HK$100 Cash Coupon HK$100 25, B Häagen Dazs HK$50 Gift Coupon Häagen-Dazs HK$50 12, B HK$50 Starbucks Card HK$50 12, HMV HK$100 Gift Coupon HMV HK$100 25, B Hung Fook Tong HK$120 Cash Coupon HK$120 25, B IKEA HK$100 Gift Coupon HK$100 25, Lane Crawford HK$300 Gift Card HK$300 75, Mannings HK$100 Gift Coupon HK$100 25, Marathon Sports HK$100 Gift Coupon HK100 25, Marks and Spencer HK$100 Gift Coupon HK$100 25, Maxim's Group HK$100 Gift Coupon HK$100 25, Ocean Park Daytime Admission Ticket - Adult - 80, Ocean Park Daytime Admission Ticket - Child (aged 3-11) - (3-11) 40, Pappagallo HK$50 Gift Coupon HK$50 12, Pret A Manger HK$50 Cash Coupon HK$50 12, SaSa HK$100 Gift Coupon HK$100 25, A Shell HK$100 Fuel Voucher HK$100 25, Sogo HK$100 Gift Coupon HK$100 25, The Commercial Press HK$100 Gift Coupon HK$100 25, Watson's HK$100 Gift Coupon HK$100 25, B Wellcome HK$100 Gift Coupon HK$100 25, Cash Rebate 250 Charity Friends of the Earth (HK) HK$100 Charity Donation $100 25, Tung Wah Group of Hospital HK$100 Charity Donation $100 25,000 6

7 Citibank Rewards Program / Diners Club Card Rewards Program ("Citibank Rewards Program") Terms and Conditions I. General Terms & Conditions: 1. Unless otherwise specified, Citibank Rewards Program is only applicable to the holders ("Cardholders/Cardmembers") of the following primary and supplementary cards ("Eligible Cards"): Citibank Classic Card, Citibank Gold Card, Citibank Rewards Card, Citibank Ultima Card, Citi Prestige Card, Citibank Premier Card and Citibank I.T VISA Card issued by Citibank (Hong Kong) Limited ("Citibank") AND Diners Club Personal Card (HK Dollar/US Dollar), Diners Club Business Card and Diners Club Corporate Card with individual billing issued by Diners Club International (HK) Limited ("Diners"). Holders of Citi Clear Card, Octopus Citibank Credit Card, Shell Citibank Platinum Card, Shell Personal Card, Citibank Cash Back American Express Card, Diners Club Corporate Card with central billing are not eligible to participate in the Citibank Rewards Program. 2. To redeem the rewards items (including but not limited to offers, gifts, coupons, products, services. etc) ("Rewards Items"), the Eligible Card accounts must be valid (i.e. not cancelled or terminated) and current (i.e. no past due balances). 3. Redemption orders will be cancelled automatically in the event of insufficient. Redemptions cannot be amended, cancelled or revoked upon the acceptance by Citibank/Diners. 4. Coupons will be sent to the Cardholder's/Cardmember's mailing address registered in Citibank/Diners within 2-3 weeks upon redemption (P.O. box and overseas address are not accepted). 5. The use of the Rewards Items is subject to the terms and conditions stipulated by the respective merchants. 6. Certain Rewards Items are applicable to selective card types only. 7. Unless otherwise specified, the Rewards Items cannot be used in conjunction with any other promotional offers or interest free installment plans of the respective merchants. 8. Photos, features and reference retail prices are for reference only. Citibank/Diners makes no representation or warranty on the quality or ownership of intellectual or industrial property rights subsisting in the Rewards Items. 9. Rewards Items are not exchangeable for cash, are not replaceable or compensated in cash in the event of destruction or loss, and are subject to such terms and conditions as may be prescribed by the respective merchants of the same. 10. Citibank/Diners does not act as the supplier of any Rewards Items listed. Its role is only to place the order for and on Cardholder's/Cardmember's behalf and to process settlement through the Eligible Card account. 11. Citibank/Diners shall not be responsible for any matters in relation to the Rewards Items. The respective merchants are solely responsible for all obligations and liabilities relating to such products or services and all auxiliary services. 12. Citibank/Diners may receive fees from the suppliers of the Rewards Items, Citibank/Diners will not be responsible for any damage or loss incurred by Cardholders/Cardmembers arising out of the purchase, supply, or use of the Rewards Items or of any negligence, breach of statutory or other duty on the part of Citibank/Diners. 13. Redemption is subject to the availability of Reward Items, account status checking and final acceptance by Citibank/Diners and the respective merchants as their absolute discretion. 14. Fraud and abuse will result in forfeiture of a Cardholder's/Cardmember's eligibility to participate in the Citibank Rewards Program. Citibank/Diners further reserves the right to charge the equivalent value of any Rewards Items redeemed directly from the Eligible Card account without prior notice. 15. Citibank/Diners is entitled at any time and without any prior notice or liability in any manner whatsoever to terminate Citibank Rewards Program; cancel or vary its benefits or features; vary, add to or delete any of these terms and conditions; withdraw or change the participants of Citibank Rewards Program; modify or limit the value of and/or the manner of their redemptions even though any of such acts may diminish the value of the already accumulated. 16. Citibank Rewards Program is valid until it is replaced by a new program or until such time as may be determined by Citibank/Diners without prior notice. All Rewards Items redeemed cannot be returned. Citibank/Diners or the respective merchants may make similar substitution without advance notice when necessary. Rewards Items selections are void where prohibited by law. 17. Terms and Conditions apply to Rewards Items under "Protection Free". For details, please refer the relevant promotional materials. 18. Every effort has been made to ensure that all the information related to Citibank Rewards Program which may be available from time to time is accurate. Citibank/Diners is not responsible for any errors or omission. 19. Citibank/Diners and the respective merchants reserve the right to amend these terms and conditions without prior notice. 20. All matters and disputes will be subject to the final decision of Citibank/Diners. 21. In the event of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail. II. Accumulations and Redemption: 22. During the continuation of Citibank Rewards Program, Cardholders/Cardmembers will earn for valid transactions posted to the Eligible Card account. Cardmembers of Diners Club Personal Card (HK Dollar/US Dollar) will be awarded 2 per HK$1(or equivalent foreign currency) charged. Cardmembers of Diners Club Business Card or Diners Club Corporate Card will be awarded 1.5 per HK$1(or equivalent foreign currency) charged. Cardholders of Citibank Rewards UnionPay Card will be awarded 1 Point per HK$1 (or equivalent foreign currency) charged in the HKD account or CNY1 charged in the CNY account. Cardholders of Citibank Ultima Card will be awarded 3 per HK$1 (or equivalent foreign currency) for both local and overseas transactions posted. Cardholders of Citi Prestige Card will be awarded 2 per HK$1 (or equivalent foreign currency) local transaction posted and 3 per HK$1 (or equivalent foreign currency) overseas transaction posted. Cardholders of Citibank Premier Card will be awarded 1.5 per HK$1 (or equivalent foreign currency) local transaction posted and 3 per HK$1 (or equivalent foreign currency) overseas transaction posted. Overseas transaction is defined as transactions settled in currencies except Hong Kong dollar, Renminbi or Macau Patacas (including internet transactions), i.e. no conversion from a foreign currency into Hong Kong dollar, Renminbi or Macau Patacas is involved at the point of the transaction and the transaction currency as shown on the sales draft (if applicable) is not in Hong Kong dollar, Renminbi or Macau Patacas. Cardholders of other Eligible Cards will be awarded 1 Point per HK$1(or equivalent foreign currency) charged. Citibank/Diners reserve the right to change at any time and without prior notice the ratio between (a) Point(s) to be awarded; and (b) the specified amount charged to the Eligible Card account. 23. For Citibank Rewards UnionPay Card, all are accumulated under the HKD Account. 24. Unless otherwise specified, all earned by the principal and supplementary Cardholders/Cardmembers of the same Eligible Card will be accumulated under the principal Cardholder's/Cardmember's account. 25. Unless otherwise specified, only principal Cardholders/Cardmembers are eligible for redemption. 26. Invalid transactions not eligible for include, but are not limited to, cash advances, fees and charges, withdrawal amount under the Balance Transfer Program, Cash Conversion Program and Dial a Check Installment Program, payment to the Inland Revenue Department, casino transactions, online bill payment, dynamic currency conversion transactions, or unposted /cancelled /refunded transactions. 27. For Citibank Credit Card accounts denominated in CNY, invalid transactions incurred in Mainland China (excluding Hong Kong and Macau) not eligible for include, but are not limited to, properties, automobile, wholesales, air tickets, fuel, supermarkets, hospitals and schools, and other charges designated by Citibank / Diners from time to time. 28. Citibank/Diners may add to, or remove from, the list of invalid transactions as stated in Clauses 26 and 27 above from time to time at its discretion. The decision of Citibank/Diners as to what constitutes an invalid transaction shall be final and conclusive. 29. earned on Citibank Rewards Card, Citibank Ultima Card, Citi Prestige Card, Citibank Premier Card, Citibank I.T VISA Card, Diners Club Personal Card (HK Dollar/US Dollar), Diners Club Business Card, Diners Club Corporate Card with individual billing are evergreen. earned on ALL other Eligible Card types will be valid for at least one year and up to two years. The applicable expiry date(s) of will be shown on the Cardholder's/Cardmember's monthly statement. 30. Should any transaction in the monthly statement be cancelled or refunded for whatever reason, the earned in respect to those transactions will be deducted or cancelled. 31. awarded will be shown in each monthly statement, and be redeemable in such manner as set out in the Citibank Rewards Program Terms and Conditions for Rewards Items. Only accumulated up to and shown in the latest issued monthly statement or such other date as may be determined by Citibank/Diners at its discretion will be redeemable. redeemed will be shown in the next monthly statement. 32. are not transferable to others but may be pooled upon request by the time of rewards redemption between credit cards under the same cardholder / cardmember. can only be pooled between cards within the following groups. Pooling of between Citibank Credit Cards and Diners Club Cards are not permitted. Group 1: Citibank Classic Card, Citibank Gold Card and Citibank Rewards Card; Group 2: Citibank Ultima Card, Citi Prestige Card and Citibank Premier Card; Group 3: Diners Club Card (except Diners Club Corporate Card with central billing). 33. will be forfeited when the relevant Eligible Card account is closed, is not in good standing in the opinion of Citibank/Diners, has expired or ceased to be effective or a breach of the relevant Citibank Credit Card / Citibank Private Label Card / Diners Club Card Agreement has occurred. Any outstanding redemption order whether received before or after have been forfeited shall not be entertained. III. Frequent Flyer and Hotel Privileges Program: 35. Principal Cardholders must convert to a minimum of 500 miles/hotel points for Asia, British Airways Executive Club, Etihad Guest, Eva Air Infinity Mileagelands, Garuda Frequent Flyer,, Malaysia Airlines Enrich, Qatar Airways Privilege Club, Carlson Rezidor Hotels Club CarlsonSM, Hilton HHonors and IHG Rewards Club, 1,500 miles for Sky and 2,000 miles for Royal Orchid Plus each time a conversion is made; thereafter conversion must be in the multiple of 500 miles/hotel points. 36. Cardholders/Cardmembers must already be members of the frequent flyer programs and the hotel privilege programs of the participants in order to participate in the Frequent Flyer and Hotel Privileges Program. 37. Cardholders of Citibank I.T VISA Card is not eligible to participate in the Frequent Flyer and Hotel Privileges Program. 38. British Airways Executive Club, Etihad Guest, Eva Air Infinity Mileagelands, Garuda Frequent Flyer, Malaysia Airlines Enrich, Qatar Airways Privilege Club, Carlson Rezidor Hotels Club CarlsonSM and Hilton HHonors are only applicable to Citibank Ultima Card, Citi Prestige Card and Citibank Premier Card. 39. Etihad Guest, Eva Air Infinity Mileagelands, Garuda Frequent Flyer,, Malaysia Airlines Enrich, Qatar Airways Privilege Club, Royal Orchid Plus, Carlson Rezidor Hotels Club CarlsonSM, Hilton HHonors and IHG Rewards Club are not applicable to Diners Club Card. 40. Cardholders/Cardmembers are subject to the terms and conditions of the frequent flyer programs and the hotel privilege programs of the participants. Participants may change the program rules including regulations, policies, benefits, conditions of participation or mileage levels (if applicable), in whole or in part at any time with or without notice, even though changes may affect the value of the free mileage already accumulated (if applicable). 41. redeemed for Asia, British Airways Executive Club, Eva Air Infinity Mileagelands, Garuda Frequent Flyer,, Malaysia Airlines Enrich, Carlson Rezidor Hotels Club CarlsonSM, Hilton HHonors and IHG Rewards Club miles/ hotel points will be credited to the Cardholders'/Cardmembers' own Frequent Flyer and Hotel Privileges Program accounts within 4 working days upon redemption, while miles of other Frequent Flyer and Hotel Privileges Program will be credited to the Cardholders'/Cardmembers' own frequent flyer program accounts within 8 working days upon redemption. 42. converted under the Frequent Flyer and Hotel Privileges Program cannot be credited back to the Eligible Card accounts. 43. A handling fee of HK$50 will be charged for every 5,000 miles/ hotel points redeemed per transaction through Frequent Flyer and Hotel Privileges Program. If the redemption is less than 5,000 miles, or not in multiples of 5,000 miles/ hotel points, a handling fee will still be charged in multiples of HK$50. The minimum charge per redemption is HK$50 and the maximum charge is HK$300. The handling fee does not apply to Citibank Ultima Card, Citi Prestige Card and Citibank Premier Card. Citibank Rewards(Citibank Rewards) I. 1. Citibank Rewards/(/)/(/) ()() CitibankCitibankCitibank RewardsCitibank Ultima CardCiti PrestigeCitibank PremierCitibank I.T VISA Card ()() (/)Citibank RewardsCiti Clear CardCitibankShell CitibankShellCitibank Cash Back American Express Card/2. ()()//() ()3. /4. 23// ()5. 6. /7. 8. / ///11. / 12. //// 13. /14. /// /15. //// Citibank Rewards/Citibank Rewards 16. Citibank Rewards// /Citibank Rewards /19. /20. /21. II. 22. Citibank Rewards/(/)HK$1() 2HK$1()1.5Citibank RewardsHK$1()CNY11 Citibank UltimaHK$1()3Citi PrestigeHK$1()21()3 Citibank PremierHK$1()1.51()3() ()HK$1()1/ //23. Citibank Rewards24. //25. // 26. Dial-a-Check// 27. Citibank/28. / Citibank RewardsCitibank Ultima CardCiti PrestigeCitibank PremierCitibank I.T VISA Card (/)// 30. /31. /Citibank Rewards/Citibank Rewards //32. ///Citibank1Citibank CitibankCitibank Rewards2Citibank Ultima CardCiti Prestige Citibank Premier3()33. / / Citibank /Citibank // III Etihad Guest EnrichQatar Airways Privilege ClubCarlson Rezidor Hotels Club CarlsonSM/1,500 2,000500/36. / 37. Citibank I.T VISA Card38.Etihad GuestEnrichQatar Airways Privilege Club Carlson Rezidor Hotels Club CarlsonSM/Citibank Ultima CardCiti PrestigeCitibank Premier39.Etihad Guest EnrichQatar Airways Privilege ClubCarlson Rezidor Hotels Club CarlsonSM /40. /( )/()41. Enrich Carlson Rezidor Hotels Club CarlsonSM/4/ /842. /43. 5,000/ /HK$50/HK$505,000/5,000/5,000/HK$50HK$300 Citibank Ultima CardCiti PrestigeCitibank Premier CRRF0415 7

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