Welcome
Contents Everyday Finance 07 Benefits and Privileges 13 Savings, Investments, Secure Future 19 Extra Funds to Realize Your Plans 25 Citigold and Travel 29 Operating Manual for Electronic Banking 35 Welcome to the Citigold World
We have the pleasure to welcome you at the Bank which combines the tradition of Polish banking with leading-edge financial management. Bank Handlowy w Warszawie S.A. has been operating in the Polish financial market for over 140 years and today is part of the global organization of Citigroup one of the world s leading financial institutions. Citigroup proudly serves over 200 million individual, corporate, governmental and institutional Customers in more than 100 countries worldwide. 03 The Citigold offer is meant for our most demanding Customers, who have decided to maintain a monthly average balance in all accounts held with us at the level of at least PLN 200,000.
Citigold Account Currency Exchange Debit Card ATMs Transactions Everyday Finance
We offer you a top class personal account and various channels for execution of transactions, which enable flexible management of your day-to-day banking. Citigold Account Currency Exchange Debit Card 09 Citigold Account means convenient access to your personal finance combined with a number of benefits, including most banking operations (i.e. transfers, standing orders, direct debits and cash withdrawals) performed free of charge. As part of the account you may also have a high overdraft and activate a medical care package to enjoy constant access to diagnostic tests and doctors of various specializations at the LUX MED and Medycyna Rodzinna private clinic networks. We offer you free of charge foreign currency accounts, free of charge transfers in foreign currencies and attractive foreign currency exchange terms and conditions. If you exchange at least USD 10,000.00 (or an equivalent amount), you will use FX rates updated on an ongoing basis in accordance with the FX market. Additionally, for amounts exceeding USD 20,000.00 (or equivalent amounts) you can negotiate an attractive FX rate at a branch or through CitiPhone. You also have the possibility to order foreign currency exchange indicating the FX rate and the execution period. The instruction will be completed at the time when the FX rate applicable at the bank reaches the level you have indicated. The gold MasterCard PayPass debit card ensures a convenient access to the funds in your account. The card may be used to pay at any store and service outlet, to withdraw cash from ATMs and to access our servicing channels: CitiPhone, Citi Mobile and Citibank Online. If you have the debit card, you may also order an innovative sticker to attach to your mobile phone or to another favorite object, which enables contactless payments. All fast, easy and convenient. Card users profit also from a special program of discounts at over 2000 stores and service outlets all over Poland (for more details, please visit www.citirabaty.pl). ATMs You can withdraw cash without any fees charged by Citi Handlowy from any ATM in Poland and worldwide (foreign exchange differences may occur, for more details consult the Bank Account Terms and Conditions). The daily withdrawal limit is PLN 10,000.
Transactions 11 You may execute transactions in your account conveniently on the Internet and by telephone. Using the Internet banking service Citibank Online you may make transfers, pay bills, top-up prepaid mobile phones, check our current offer and the contact details of your personal Relationship Manager. You are allocated high limits (up to PLN 50,000) for electronic funds transfers. We encourage all Customers who want to make transactions at any time and place to use mobile banking services: Citi Mobile available on mobile phones or the handy application Citi Handlowy for ipad. With mobile banking, you can quickly check your balance and transaction history, execute a transfer to pre-defined recipients, pay your bills or repay your credit card debt. Operating manuals for Citibank Online and Citi Mobile are available at p. 35 43. You may also initiate operations 24/7 via CitiPhone Gold, a dedicated customer service line. Just call 800 22 4653 (free line for fixed-line calls from Poland) or 48 22 692 2484 (fee as charged by your operator). A special agent will be waiting for you.
Top Service Quality Deloitte Tax Consulting Executive Lounge Access The A La Carte Program Benefits and Privileges Desa Unicum Harper s Bazaar Fashion Designers
By using our Benefits and Privileges program, you can enjoy top service quality and special offers prepared by selected partners. Top Service Quality Deloitte Tax Consulting Executive Lounge Access The A La Carte Program 15 As a holder of the Benefits and Privileges card, you have a dedicated personal Relationship Manager, who offers support on all matters relating to our services. Our goal is to understand your financial needs and priorities and to help you to build your individual financial plan. You shall have access to the dedicated CitiPhone Gold call center, where our most experienced Consultants answer 90% of calls in 10 seconds. They will offer you round-the-clock assistance in performing ongoing orders and will solve any problems you may face. CitiPhone Gold: 800 22 4653 (free line for fixed-line calls from Poland) or 48 22 692 2484 (fee as charged by your operator). At the comfortable Citigold branches, you shall receive priority service in dedicated rooms which guarantee comfort and discretion. At all other branches, holders of the Benefits and Privileges card are guaranteed priority service. In addition, during your visit at selected branches you may use dedicated parking spaces (list of parking spaces is to be found at www.citigold.pl). Should you need professional tax advice, we suggest consultations with Deloitte specialists. The Deloitte Tax Consulting Department offers advice on personal income tax, social insurance, tax implications of purchasing assets in various countries, provisions of agreements on avoidance of double taxation etc. Travelling by air? Wait for your flight in the comfortable Executive Lounge at the largest airports in Poland (list of airports on www.citigold.pl). Upon presentation of the Benefits and Privileges Citigold card, the first entry in a month to these exclusive premises is free of charge. Do you want to enjoy a great meal or find some time to relax? With the A La Carte Program we recommend restaurants, hotels and spas to you, where you may enjoy attractive discounts and exceptional service. And with the Mobile Ticketing service, you may book tickets for art, cultural and sports events via CitiPhone. For more details please visit www.citigold-restauracje.pl
Desa Unicum Harper s Bazaar Fashion Designers 17 If you are interested in the art market, you may profit from the Desa Unicum proposal. This partner offers you individual consultations with experts and discounts for selected services. You can receive a 30% discount for subscription of one of the world s most interesting magazines on fashion, modern trends and culture. The subscription can be ordered on www.sklep.marquard.pl /magazyn-harpers-bazaar. The Benefits and Privileges card provides you attractive discounts for fashion collections by top Polish designers: Maciej Zień and Tomasz Ossoliński. For more details please visit www.citigold.pl
Investment Consulting Investment Funds Structured Products Investment Barometer Insurance Products Portfolio Strategies Savings Accounts Time Deposits Brokerage Services Savings, Investments, Secure Future
You have access to numerous modern services that enable you to realize various financial plans. Investment Consulting Investment Funds Structured Products Investment Barometer 21 As part of the investment consulting service we will recommend you carefully selected funds, tailored both to your individual needs, and the current market situation. This service covers domestic and foreign funds secured against currency risk. You can choose from more than 150 domestic and foreign investment funds from professionally managed portfolios of such investment companies as: TFI Allianz Polska S.A., Aviva Investors Poland TFI S.A., ING TFI S.A., Legg Mason TFI S.A., Union Investment TFI S.A., Skarbiec TFI S.A., Allianz Global Investors, BlackRock Global Funds, Franklin Templeton Investments and Schroders. We offer a wide selection of structured products connected with the behavior of the selected market index, e.g. stock price, stock market index, commodity price or FX rate. Every month our offer shall include new proposals for Structured Bonds issued by renowned financial institutions, as well as Certificates of Deposits available under subscription. In addition, you can choose to invest your funds in various currencies under Dual Currency Investments available on the Internet, on mobile phones and at the bank s branches. You may receive the monthly Investment Barometer. This is an electronic publication developed especially for Citigold Customers, in which our experts present the latest news from the Polish and international financial markets, forecasts and other information which may be useful for the making of investment decisions. Ask your personal Relationship Manager for the details.
Insurance Products Portfolio Strategies Savings Accounts Brokerage Services 23 The rich and varied offer of insurance products is designed to secure the current and future financial needs of our Customers and their families. It covers life and health protection insurance, as well as products combining insurance coverage with the accumulation of capital: investment or savings insurance. The unit-linked investment insurance offer the opportunity to invest in global markets via insurance asset funds, combined with life protection. Savings insurance enable you to accumulate funds in the form of safe financial instruments while guaranteeing insurance coverage for life and health. This unit-linked insurance and investment solution has been developed especially for those Customers who do not have time to independently manage their funds. You can choose one out of three Portfolio Strategies: Conservative, Moderate or Aggressive. Professional asset managers monitor the market situation on a daily basis. They react to significant developments in the financial markets, making appropriate adjustments to the fund s portfolio in line with the strategy chosen by you. The Savings Account and the SuperSavings Account allow safe growth of your funds, without the risk of capital loss. You may make savings in various currencies: PLN, GBP, USD, EUR. Time Deposits Our offer includes a wide selection of time deposits in various currencies: PLN, USD, EUR, CHF or GBP, including the Internet T-Deposit. As a Citigold Customer, you may individually negotiate the interest rates. Our cooperation with the brokerage house of Bank Handlowy (Dom Maklerski Banku Handlowego S.A. DMBH ) enables us to offer services regarding the acceptance and passing of orders for purchase or sale of securities. The Bank acts as an agent of DMBH the investment firm and runs brokerage activities that cover the acceptance and passing of orders in its own name. Thanks to that, when dealing with those instructions, Citigold Customers may use direct assistance of a Relationship Manager at one of the bank s branches and have access to the information about the brokerage account through Citibank Online. If your monthly transactions amount to PLN 100,000.00 or more, you can choose to be served by a dedicated DMBH broker, who stays in touch directly with you. The broker provides you with the most important information derived from analyses and recommendations prepared by DMBH analysts, monitors your account and informs of upcoming events which can influence the pricing of securities in your portfolio. For more information please visit www.citigold.pl
Credit Card Mortgage Loan Home Equity Loan Home Profit Extra Funds to Realize Your Plans
You may choose from various credit solutions that can make it much easier to realize your plans or fulfill your dreams. Credit Card Home Equity Loan 27 The Citibank Credit Cards are payment instruments recognized and accepted all over the world. The modern security measures, including a microchip, suspicious transaction monitoring system or one-time codes sent in text messages for online transactions guarantee the maximum security of card payments. The contactless function makes payments swift and convenient, as you only need to tap your card to the terminal. You may choose from a wide range of cards, offered by us alone and co-branded, prepared in cooperation with carefully selected partners. Each card ensures participation in the wide-ranging discount program, covering over 4800 points of sale throughout Poland. Details and the current list of partners can be found at www.citirabaty.pl. The co-branded cards enable you also to profit from special offers and to collect points under loyalty schemes, such as Miles & More and PAYBACK. For Citigold Customers, we recommend the Citibank Gold and Platinum credit cards, as well as the exclusive Citibank World Elite MasterCard Ultime credit card, developed in cooperation with LOT Polish Airlines and the Miles & More loyalty scheme. Under the Miles & More program, you receive 10,000 miles as a welcome offer and 1 bonus mile for each PLN 3.00 paid by your card. Other benefits for the Ultime card holder include: a 5% discount on LOT airlines tickets, a rich and free insurance package, assistance services to help you in unexpected situations, dedicated concierge top-class arrangement and booking services, as well as a membership in the Priority Pass program which ensures access to Executive Lounges at numerous airports worldwide. Mortgage Loan For Citigold Customers, we have mortgage loans for high amounts, even up to PLN 3 million, with repayment period of up to 35 years, as well as assistance with the formalities. The home equity loan provides funds that may be used for any purpose, including the refinancing of other loans. The key advantages include attractive margin, funding level up to 70% of the property value and repayment period of up to 20 years. Home Profit Along with the mortgage loan and the home equity loan, Customers receive a free of charge discount card, which grants them access to special offers of Home Profit program partners. Thanks to this, furnishing a new house or a new apartment will be pure pleasure. Program details are available at www.homeprofit.pl
Card Payments without Currency Conversion Assistance with the Unexpected Situations Account and Card Monitoring Citigold and Travel Contact from Abroad The Świat bez granic ( World Without Frontiers ) Insurance
We take care of your comfort and safety during your travels. We offer access to our services from any place in the world plus other practical solutions. Card Payments without Currency Conversion Assistance with the Unexpected Situations Account and Card Monitoring Contact from Abroad 31 You can profit from the unique possibility to link your card with a foreign currency account, free of charge. Before departure to a Eurozone country, we recommend that you link your card with an EUR account. This shall allow you to avoid currency conversion, as non-cash transactions and ATM withdrawals made with the card shall correspond to EUR amounts booked on your account. In order to change the account link of your card, you only need to call CitiPhone or to log into Citibank Online. If your wallet is stolen or lost, you may use the Emergency Cash service at a Citi branch abroad, upon presentation of your passport. You may withdraw up to USD 10,000.00 (or local currency equivalent). This service is available in more than 30 countries all over the world. The CitiAlerts service offers notifications on the balance and transactions performed using your account or credit card, sent in the form of text messages or e-mails. You can choose from two free of charge service packages. It is up to you to pick the most convenient one. Additional control is ensured by the Citi Mobile service, where you can check your transactions at any time. You may conveniently contact CitiPhone Gold in Poland, using the single number 800-CITI-CODE (800-2484-2633). This is a toll-free line (with the exception of roaming charges of your mobile operator and any fees charged e.g. by the hotels), accessible from 40 countries worldwide. When travelling in other countries, you may call CitiPhone by dialing the regular number 48 22 692 2484 (fees as charged by your operator). For more information please visit www.citigold.pl
The Świat bez granic ( World Without Frontiers ) Insurance 33 For the holders of Personal Account or the Citibank Credit Card, we have prepared the insurance, which ensures such services as coverage of medical treatment costs in the case of accident or sudden illness abroad, instant Assistance, third party liability insurance, insurance for the loss or delay of luggage and for the delay in flight departure. Coverage is purchased for specific travel, and may apply to travels across Europe as well as all over the world. To purchase the insurance, just access www.ubezpieczenienapodroz.pl before your departure (the policy shall be sent to the indicated e-mail address). Detailed information, including on exclusions of the insurer s liability, is presented in the General Terms and Conditions for the World Without Frontiers Insurance, available at www.ubezpieczenienapodroz.pl. Insurance coverage is provided by Europ Assistance Holding SA.
Citibank Online Citi Mobile Domestic transfer Operating Manual for Electronic Banking
Step 1 Go to www.citihandlowy.pl Select English version of the service and click Citibank Online from the Register section. Step 3 Enter your password and user ID. Click Next. Citibank Online 37 Before using the service for the first time please register. During the registration you will specify a user ID and password, which will enable logging into Citibank Online and Citi Mobile. Step 2 Enter your debit card number and a 4-digit ATM PIN. Click Next. Step 4 Select challenge questions and type in the answers. You will be asked challenge questions when you forget your password. Click Next you will sign on to Citibank Online. If you have problems with the registration you may request the assistance of Citibank Online Support Team. Simply call: 48 22 692 20 90 or fill out the contact form available in The first sign on section.
Browser version This version of Citi Mobile is available on every mobile phone without the need to install additional software. Citi Mobile Application The application version of Citi Mobile banking is available for smartphones: iphone, BlackBerry and mobile phones running Android, after additional software has been downloaded and installed. Citi Mobile Step 1 In your phone s Internet browser type in the address: www.mobile.citibank.pl Select English version of the service and sign on using your user ID and password. Step 2 After logging in, you can use Citi Mobile. Step 1 Download the application from one of the stores below: Step 2 Click Login. On the next screen, sign on by entering your user ID and password. 39 Before you sign on to Citi Mobile for the first time, please register at Citibank Online. You sign on to Citi Mobile using the same user ID and password that you created for the purpose of online banking. GET IT ON For more information visit: www.citimobile.pl
Step 1 Sign on to the portal, select the Transfers section and then click Transfers/Standing Orders. Step 3 Select the account from which you want to execute the transfer. Domestic transfer 41 Step 2 Click Transfer to new payees and select Local Personal Payee. Step 4 Type in the account number, name/full name and the list name of the recipient.
Citigold Step 5 Type in the amount and transfer title and select its execution date. Click Next. 43 Domestic transfer 1. If you plan to make more transfers to the given recipient, we encourage you to add them to the payee list. Subsequent transfers will not require providing data nor confirmation via a transaction authorisation code (TAC). The recipient will be displayed on the payee list under their list name. 2. You can execute transfers to the recipients added in Citibank Online also via Citi Mobile. Step 6 Type in the transaction authorisation code (TAC) which will be sent to your mobile phone and click Send. Your transfer has been ordered.
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Important information Detailed information on fees and commissions is available in the Fees and Commissions Table at www.citihandlowy.pl and at the Bank s branches. Investment consulting services are provided by the Bank exclusively for Customers who concluded the relevant agreement with the Bank, and only with respect to products covered by such an agreement. The service provided by the Bank is limited to: open investment fund units and special open investment funds denominated in PLN whose benchmark are solely indices of stocks or other financial instruments denominated in PLN, or Polish interest rates (e.g. WIBOR), or whose investment goal is to acquire a pre-defined return rate denominated in PLN, entities and shares in open investment funds or special open investments funds which invest their funds only in foreign assets or in both foreign and Polish assets provided that the currency risk against PLN has been secured, in particular the so-called PLN-hedged units in the case of which the bank provides services regarding the acceptance of and passing on orders for purchase or sale (excluding the Individual Pension Account in the meaning of the Act of 20 April 2004 on individual pension accounts and individual pension security accounts [IKZE] and Regular Investment Plans). Insurance coverage under life insurance linked to Portfolio Strategies is provided by the insurance company AEGON Towarzystwo Ubezpieczeń na Życie Spółka Akcyjna with its registered office in Warsaw (02-675) at ul. Wołoska 5, entered in the Register of Entrepreneurs of the National Court Register maintained by the District Court for the Capital City of Warsaw in Warsaw, 13 th Commercial Division of the National Court Register, under number KRS 0000012318, Tax Identification Number NIP 527-22-79-881, with fully paid-up share capital amounting to PLN 333,000,000 (AEGON). Detailed information on Portfolio Strategies are included in the general insurance terms of AEGON TU na Życie S.A., available at authorised Relationship Managers at the bank s outlets. Bank Handlowy w Warszawie S.A. performs agency activities for AEGON Towarzystwo Ubezpieczeń na Życie S.A. as insurance agent entered under no. 11120807/A in the register of agents maintained by the Polish Financial Supervision Authority (KNF). The Customer may check the information on the Bank s entry in the Register of Insurance Agents by submitting the relevant request to the KNF, and in person at the KNF offices, at a computer terminal made available by the KNF during its business hours. Investment products are only available to Citibank Personal Account holders. Investment- or savings-linked insurance products with a one-off premium are available exclusively to holders of a Personal Account and those with regular premiums also to holders of a Citibank Credit Card. Insurance and investment products are not an obligation of and are not guaranteed by Bank Handlowy w Warszawie S.A. nor by any of the subsidiaries or affiliates of Citigroup, except for those investment products that are issued or guaranteed/underwritten by Bank Handlowy w Warszawie S.A. or a subsidiary or an affiliate of Citigroup. For investment products, a capital protection and/or interest guarantee scheme, if any, is the responsibility of the issuer of the given investment product. Insurance and investment products are not bank deposits. Insurance and investment products are not guaranteed by the State Treasury, the Bank Guarantee Fund (except for amounts receivable from certificates of deposit and dual currency investments covered by the statutory guarantee system pursuant to the Bank Guarantee Fund Act of December 14, 1994 Journal of Laws of 2009, No. 84, item 711, as amended) nor by any other governmental institution. The investment products carry investment risk, including the possibility to lose the invested capital. Investment-linked insurance products carry investment risk, including the possibility of loss of part of the invested capital. Any amounts receivable from an insurance agreement are secured by the Insurance Guarantee Fund in the scope determined in the Act of May 22, 2003 on mandatory insurance, the Insurance Guarantee Fund and the Polish Motor Insurers Bureau (Journal of Laws of 2003, No. 124, item 1152, as amended). This means that, should an Insurer become insolvent in the cases defined under the Act on the Insurance Guarantee Fund, the Insurance Guarantee Fund shall cover in part the claims of beneficiaries under the life insurance contracts, in the amount of 50% of the claims but not more than up to the Polish zloty equivalent of EUR 30000.00. The past performance of investment funds, investment portfolios, unit-linked insurance funds and the levels of market indices and foreign exchange rates that affect returns on investment are no guarantee for their future performance or levels. The Bank does not offer legal or tax consulting services to its Customers. The English version of the material is for information purposes only. In the event of any discrepancies between the Polish and English language versions, the Polish language version shall prevail. Bank Handlowy w Warszawie S.A. with its registered seat in Warsaw at ul. Senatorska 16, 00-923 Warsaw, entered in the register of entrepreneurs of the National Court Register maintained by the District Court for the capital city of Warsaw, 12 th Commercial Department of the National Court Register, under no. KRS 000 000 1538; NIP 526-030 02-91; company capital of PLN 522,638,400.00, fully paid up. Citi Handlowy, Citibank, CitiPhone, CitiAlerts, Citibank Online and Citigold are registered trademarks of entities from the Citigroup Inc. group. MasterCard and PayPass are registered trademarks of MasterCard International Incorporated. This advertising material is only issued for information purposes and is not an offer within the meaning of Article 66 of the Civil Code. 10/2013