CITICYBERSALE CREDIT CARD ONLINE ACQUISITION CAMPAIGN Terms and Conditions ("these Terms and Conditions")

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CITICYBERSALE CREDIT CARD ONLINE ACQUISITION CAMPAIGN Terms and Conditions ("these Terms and Conditions") IMPORTANT NOTE: The Citibank Credit Cards mentioned in these Terms and Conditions are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey and Jersey. These Terms and Conditions are not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of Citibank products or services mentioned herein to such individuals Campaign Period 1. This campaign, organized by Citibank Berhad (Co. No. 297089-M) ("Citibank") called the "Citibank 2018 Cybersale Credit Card Online Acquisition Campaign" ("Campaign") will run from 4 June 2018 to 1 July 2018 both dates inclusive ("Campaign Period"). Eligibility 2. Subject to these Terms and Conditions, the Campaign is open to all new-to-bank 1 individuals who are residents of Malaysia, who do not have any credit card issued by Citibank in Malaysia and, who has attained the age of 21 years ("Eligible Persons" or each, an Eligible Person ) at the time of making an application for any one or more of the following Citibank credit card(/s) as a principal cardmember during the Campaign Period via Citibank Online at www.citibank.com.my/applycard ( Website ):- a) Citi Cash Back Visa Credit Card b) Citi Clear Visa Credit Card; Each of the Citibank Credit Cards above shall be referred to as Card or Citibank Credit Card and collectively as Cards or Citibank Credit Cards, depending on context. 3. To be eligible for this Campaign, an Eligible Person must apply for any one or more Citibank Credit Cards via the Website, accessible via www.citibank.com.my/applycard by completing an electronic online Citibank credit card application form and uploading all required supporting documents to Citibank. For the avoidance of any doubt, the online Citibank credit card application must be accessed via the Website. Eligible Persons who applies for any one or more Citibank Credit Cards under this Campaign shall hereinafter be referred to as Applicants or each, an Applicant. 4. The following persons are NOT eligible to participate in this Campaign: a) permanent and/or contract employees of Citibank (including its subsidiaries and related companies) and their respective immediate family members; b) representatives and/or agents (including advertising and campaign agents) of Citibank and their respective immediate family members; c) any Applicant or persons who had cancelled any of his/her Citibank credit card within six (6) months before the date of application and is re-applying for any Citibank Credit Card under the Campaign; d) present holders of any Citibank credit card(s) whether issued in Malaysia or otherwise; and/or e) any person who has committed or suspected of committing any misconduct, fraudulent or wrongful acts in relation to their Card account(s), any facility, service or accommodation granted by Citibank, including Citibank Online (Website). The Campaign 5. Subject to these Terms and Conditions, each Applicant whose application has been submitted during the Campaign Period and successfully approved by Citibank and activate their principal and/or supplementary card on or before 31 July 2018 will be entitled to choose either one of the gift options in the table below provided such Applicant fulfills the following conditions (defined below): 1 New-to-bank also includes individuals or Citibank customers, who fall under Clause 4(c) in these Terms and Conditions. They will not be qualified as an Eligible Person.

Offers Criteria Acquisition Gift ( Gift ) under this Campaign Offer 1 Offer 2 Offer 3 Offer 4 Offer 5 Offer 6 Offer 7 Offer 8 Offer 9 A minimum spend on 3ex s microsite of at least RM750 in a single transaction and payment has to be made via the approved A minimum spend on Dahmakan s microsite or Mobile App of at least RM375 in a single transaction for each RM250 A minimum spend on Fave s microsite or Mobile App of at least RM75 in a single transaction for each RM50 denomination and payment has to be made via the approved A minimum spend on Go Shop s microsite or Mobile App of at made via the approved A minimum spend on Grab s Mobile App of at least RM15 in a single transaction for each RM10 denomination and payment has to be made via the approved A minimum spend on Guavapass s microsite or Mobile App of at least RM150 in a single transaction for each RM100 A minimum spend on HappyFresh s microsite or Mobile App of at least RM375 in a single transaction for each RM250 A minimum spend on Hermo s microsite or Mobile App of at least RM375 in a single transaction for each RM250 A minimum spend on Lazada s microsite or Mobile App of at made via the approved RM500* 3ex (Samsung Product e- voucher) upon *Samsung Product e-voucher is valid at 3ex.com.my only RM500* Dahmakan e-voucher upon RM500* Fave e-voucher upon * RM500 will be split into RM50 denomination (RM50 x 10) RM500 Go Shop e-voucher upon RM500* Grab promo code upon * RM500 will be split into RM10 denomination (RM10 x 50 rides) RM500* Guavapass e-voucher upon * RM500 will be split into RM100 denomination (RM100 x 5) RM500* HappyFresh e-voucher upon RM500* Hermo e-voucher upon * RM500 will be split into RM50 RM500 Lazada e-voucher upon

Offer 10 Offer 11 Offer 12 Offer 13 Offer 14 Offer 15 A minimum spend on Machines microsite of at least RM750 in a single transaction and payment has to be made via the approved A minimum spend on Malindo s microsite of at least RM375 in a single transaction for each RM250 denomination and payment has to be made via the approved A minimum spend on Motherhood.com.my s microsite of at least RM375 in a single transaction for each RM250 A minimum spend on Sephora s microsite or Mobile App of at made via the approved A minimum spend on Shopee s microsite or Mobile App of at made via the approved A minimum spend on Zalora s microsite or Mobile App of at made via issued in Malaysia RM500* Machines e-voucher upon * Valid at Machines Online only. Not valid at Machines in-store RM500* Malindo promo code upon RM500* Motherhood.com.my e-voucher upon RM500 Sephora e-voucher upon * Valid at Sephora Online only. Not valid at Sephora in-store RM500 Shopee e-voucher upon RM500 Zalora cash voucher upon 6. Applicants are required to elect one (1) Gift of their choice at the point of application. No changes to the Gift options after application will be entertained. Subject to Card by Citibank. 7. For the avoidance of doubt: a) If your application or supporting documents are dispatched by facsimile, proof of transmission does not mean proof of receipt by Citibank; b) If your application or supporting documents are dispatched by courier, Citibank will not be responsible for any mishandling or misdirection of any courier; c) all relevant conditions under these Terms and Conditions must be fulfilled, including the Card account of the Successful Applicant in good standing, in order for to be eligible for any of the Gifts or other privileges, waivers and benefits under this Campaign. 8. For the avoidance of doubt, successfully approved" means an Applicant s online Card application that is approved by Citibank on or before 31 July 2018 and a conditional of a Card application is not an approved" application. An Applicant whose application is successfully approved in accordance with these Terms and Conditions is hereinafter referred to as a "Successful Applicant". 9. Redemption of Gift a. Successful Applicants will receive an email from Citibank with instructions on how to redeem the Gift, within 12 weeks after the Card is successfully approved and activated.

b. Each Successful Applicant is only entitled to one (1) Gift throughout the Campaign Period regardless of the number of Citibank Credit Cards applied. For example, if the Successful Applicant choose to expend Offer 1, he/she cannot enjoy Offer 2 to Offer 10. c. Supplementary Card members are not entitled or eligible to the Gift or to redeem the Gift. 10. The following additional terms and conditions shall apply to the Gift: - a. Successful Applicants who apply for more than 1 Card as a principal Card member will only be granted one Gift on the first successful Card application. b. If there is any non-receipt of the Gift, the Successful Applicant is required to contact CitiPhone by 30 September 2018 at the latest, to request for an inquiry. No request for any inquiry will be entertained after 30 September 2018. c. The Gift has to be redeemed within one (1) month from the date the Applicant receives an email from Citibank with instructions on how to redeem the Gift and is subject to the relevant terms and conditions applicable to using the Gift imposed by the participating merchant which can be found on their website or mobile app, as applicable. If the Gift remains unused or unredeemed after the said 1 month, the Gift will lapse and will not be replaced. d. The Gift cannot be used with any other promotions or offers by the participating merchant, Citibank or any other party. For the avoidance of any doubt, the Gift will be subject to the terms and conditions stipulated by the participating merchant which may be amended from time to time and if there are any discrepancies between these terms and conditions and the participating merchant s terms and conditions, the participating merchant s terms and conditions will prevail. e. The Gift is subject to availability. If the participating merchant or supplier is unable to supply the Gift to the Successful Applicant, Citibank reserves the right at its discretion to substitute the Gift with other products or services of approximately equivalent value at any time with prior notice. The title to the Gift and any risk of inability to use, loss or damage to the Gift passes to the Successful Applicant upon issuance of an email from Citibank with instructions on how to redeem the Gift as mentioned above or if the Gift is substituted with other products or services, upon the delivery of such product s or issuance of the notification on how to redeem such services to the Successful Applicant. Citibank shall not be responsible for or obliged to recognize or replace any defective, lost, damaged or stolen Gift including its substitute. f. To the fullest extent permitted by law, Citibank expressly excludes and disclaims any representations, warranties or endorsements, expressed or implied, written or oral, including but not limited to, any warranty of quality, merchantability or fitness for a particular purpose in respect of the Gift. g. The Gift is not transferable, nor exchangeable for cash, credit or kind, whether in part or in full. h. In that respect, each and every Applicant understands that the terms and conditions specified in the Gift are beyond our control and are determined by the participating merchant. Any dispute(s) arising out of the terms and conditions applicable to such Gift must be settled directly by the relevant Successful Applicant and the participating merchant. Citibank is not responsible for investigating or resolving any disputes between any Successful Applicant and the participating merchant and is not responsible for replacing or cancelling any redemption as a result of such dispute(s). i. Where the Gift is to be redeemed under this Campaign are in the form of certificates/vouchers issued by participating merchants or suppliers, the Gifts are valid for use until the date specified on the certificates/vouchers and are subject to the relevant terms and conditions applicable to using them. If they remain unused or unredeemed after any specified date, these certificates/vouchers will lapse and will not be replaced. j. In that respect, each and every Applicant understands that the terms and conditions specified in the Gifts (where the Gifts are in the form of certificates/vouchers) are beyond our control and are determined by the participating merchants or suppliers. Any dispute(s) arising out of the terms and conditions applicable to such Gifts must be settled directly by the relevant Applicant and the participating merchants or suppliers. Citibank is not responsible for investigating or resolving any disputes between any Applicant and the participating merchant or supplier and is not responsible for replacing or cancelling any redemption as a result of such dispute(s).

k. To avoid any doubt, if the Gifts (where the Gifts are in the form of certificates/vouchers) are used for a value less than the amount stated on them, the difference will not be refunded to the Applicant. If the value of the Gifts is less than the value of the item(s) purchased, the Applicant must pay the difference. l. To avoid further doubt, where Gifts are in the form of certificates/vouchers for dining, travel and/or hotel accommodation purposes issued, such Gifts do not constitute a reservation. Applicants will have to make their own reservations based on the terms and conditions applicable to using them. 11. Citibank reserves the right at its discretion to approve or reject any application and/or the supporting documents submitted to Citibank which are not legible or are fraudulent. For the avoidance of doubt, Citibank reserves the right, as it deems fit to determine if the supporting documents are sufficiently legible or genuine for purposes of the of the application. 12. An Applicant may enquire the status of the application by contacting Citibank at the following telephone numbers: 03-2383 0000 (Kuala Lumpur), 04-296 0000 (Penang), and 07-268 0000 (Johor Bahru) or 1800-82-1010 (Sabah & Sarawak) ("CitiPhone"). 13. An Applicant may also be participating in more than one Citibank credit card promotions organised for or in conjunction with the acquisition of new credit card customers where the Applicant may also be similarly entitled to gifts or rewards. In the event that the promotion periods for such other promotions overlap with the Campaign Period, then the Applicant understands that he/she shall only be entitled to receive the gift(s) or reward(s) from the first Citibank credit card approved by Citibank via the channel that the Applicant had applied from, regardless of the number of successfully approved applications in such other promotions and/or this Campaign. Miscellaneous 14. Citibank's decisions on all matters relating to the Campaign will be final and binding. 15. Citibank reserves the right to disqualify an Applicant /Successful Applicant (as the case may be) from participating in the Campaign and/or from receiving the Gift: a) where the minimum payment or any amounts due and payable under any of the Successful Applicant s Citibank Credit Card account(s) are not settled on or before its due date; b) If any of the Successful Applicant s Citibank Credit Card account(s) is cancelled, closed, or terminated by any reason whatsoever, either voluntarily or involuntarily; c) is not eligible to participate in the Campaign and/or receive the Gift; and/or d) has committed or is suspected of committing any misconduct, fraudulent or wrongful acts. 16. Citibank shall not be liable for any default in respect of the Campaign due to any act of God, war, riot, strike, lockout, industrial action, fire, flood, drought, storm, epidemic or pandemic, technical or systems failure or any event beyond the reasonable control of Citibank. 17. Citibank reserves the right to cancel, terminate or suspend the Campaign or any individual offer(s) in the Campaign with notice. In such an event, Citibank also reserves the right to replace any of the individual offer(s) with another similar offer in the Campaign. For the avoidance of doubt, any cancellation, termination or suspension by Citibank of the Campaign (or any individual offer(s) in the Campaign) shall not entitle any Applicant or Successful Applicant to any claim or compensation against Citibank for any and all loss or damage suffered or incurred by the Applicant, or Successful Applicant whether as a direct or indirect result of the act of cancellation, termination or suspension of the Campaign or any individual offer(s) in the Campaign. 18. Citibank reserves the right as it deems fit to vary or change any of these terms and conditions with notice. These terms and conditions may be varied or changed by Citibank by way of posting on Citibank Facebook

Webpage or in any other manner deemed suitable by Citibank. Applicants and Successful Applicants who had participated in the Campaign are deemed to have accessed Citibank Facebook Webpage and/or Citibank s website at www.citibank.com.my (Website) and to have knowledge of and to have agreed to any changes or variations to these terms and conditions. Applicants and Successful Applicants agree that their continued participation in the Campaign will constitute their acceptance of these terms and conditions (as varied or changed). 19. By participating in the Campaign, Applicants and Successful Applicants agree to be bound by these Terms and Conditions (as modified and varied from time to time) and any decisions of Citibank. Successful Applicants hereby consent to and authorize Citibank to disclose their particulars to the third party service providers engaged by Citibank for purposes of the Campaign. Citibank warrants that the disclosure of such particulars to any third party service providers shall be limited to the Successful Applicants names, addresses and telephone numbers and shall be used only in relation to and for purposes of the Campaign. 20. To the fullest extent permitted by law, by participating in the Campaign, each and every Applicant and Successful Applicant is agreeing that he/she will not hold Citibank and its officers, servants, employees, representatives and/or agents (including without limitation, any third party service providers that Citibank may engage for the purposes of this Campaign) liable for any loss or damages that he/she may incur, in connection with the Campaign. 21. Any term or condition applicable to this Campaign which is illegal, prohibited or unenforceable under any law or regulation shall be ineffective to the extent of such illegality, voidness, prohibition or unenforceability without invalidating the remaining provisions. 22. These terms and conditions are governed by and construed under the laws of Malaysia. Privacy At Citi, the security of personal information about you is our priority. We protect this information by maintaining physical, electronic, and procedural safeguards that meet applicable law. We train our employees in the proper handling of personal information. When we use other companies to provide services for us, we require them to protect the confidentiality of personal information they receive. Please refer to our Notice and Choice Principle Statement accessible via https://www.citibank.com.my/privacyeng/pdpa_eng.pdf which outlines how we intend to deliver all the rights and protections you are entitled to in respect of your personal data.