PAPERLESS BANKING

Access statements or bank advices anytime.

Easy access to your statements and bank advice, exactly when you need it.

Get organized and stop shuffling through piles of paper to find your statements or bank advice. Access your old and new statements online.

Electronic Statement

Citi e-Statement is a digital version of your paper statements. You will receive your bank and card statements in a password-protected file through your email. It eliminates waiting for your printed statements as well as storing and filing of these statements. You can also view your statements for the past 12 months through Citibank Online.

Benefits

Be Updated

Know the latest Citibank offers and promotions from the digital version of our statement inserts.

Enjoy speed and convenience

Receive your statement as soon as it's available. No need to wait for 7 to 14 days of postal delivery. Plus, access your e-Statements from the past 12 months by logging on to Citibank Online through www.citibank.com.ph

Have safe and secure access

Your e-Statements is sent as a PDF file that requires a password to be opened.

Be Earth-Friendly

Go green and reduce paper waste with e-Statement by enrolling in Citi Electronic Statements.

Electronic Advice

Citi e-Advice is a digital version of your bank and card paper notices. Like e-Statements, you will receive your bank and cards advice in a password protected file through your email. Whether at home or while on the go, you can also access your e-Advice for the past 6 months by logging on to www.citibank.com.ph.

Benefits

  • Receive your electronic advice (e-Advice) directly in your registered email address*.
  • Access up to past 6 months of your bank and card advice online.
  • Print or save your advice whenever you need them.

* The electronic advice will be sent as an encrypted PDF attachment. For regulatory and security purposes, some advice will continue to be sent via mail.

How To Enroll
  • How To Enroll Step 1
  • How To Enroll Step 2
  • How To Enroll Step 3
  • How To Enroll Step 4
  • How To Enroll Step 5
  • How To Enroll Step 6
  • How To Enroll Step 7
  • How To Enroll Step 8
FAQs

Click on to expand and on to minimise the details.

The default password is your birth date in MMDDYYYY format. Note that this password applies to both your Electronic Statement and Electronic Advice. If you have changed your password in Citibank Online, this will apply to both your e-Statement and e-Advice.

For added security and convenience, you are encouraged to change your password by logging in to www.citibank.com.ph. Under Online Services tab, select Manage Electronic Statements/Alerts > Change Enrolment Details.

Any change in password will only apply to the electronic advice received after such change. Should you wish to view past e-Advice, you will be required to use the password that was active at the time of receipt of such advice.

You need to have Adobe Acrobat Reader version 7.0 or later in your computer. You can download this for free from www.adobe.com.

Once you're enrolled, all your other bank and card accounts will be enrolled in electronic statements. When you open a new account with Citibank, there is no need to enroll again as this will be enrolled automatically.

You may log on to Citibank Online to request for a paper copy of your Bank or Credit Card account. Just select Online Services > Order a paper statement.

Check images for bank checking accounts form part of Bank Electronic Statements as shown below:

Once enrolled in Electronic Advice, your bank and credit card notices will be delivered to you via email as password-protected PDF files. However, select advice will still be sent to you through postal mail for regulatory purposes. Please see the lists below for your reference.

For your convenience, you may also view copies of your advice for the past 6 months by logging in to Citibank Online.

Click on to expand and on to minimise the details.

Electronic Advice

Credit Limit Adjustment

Change in Card Type

  • Citibank One Bill Enrolment Confirmation
  • Citibank One Bill Enrolment Cancellation
  • Citibank One Bill Declined Enrolment
  • Citibank One Bill Re-enrollment Confirmation
  • CreditShield Plus Rejected Application
  • CreditShield Plus Approved Application
  • Citi Card Protection Rejected Application
  • Citi Card Protection Approved Application
  • Credit Card Transaction Confirmation
  • Card Replacement Required
  • Advisory on your W8-Ben Form (1st, 2nd, and 3rd reminder)
  • Advisory on your Co-Account Holder
  • Updates on your Alternate Address
  • Updates on your Registered Telephone Number
  • Overdue rental - 1st reminder
  • Overdue rental - 2nd reminder
  • Overdue rental - final reminder
  • Standing Instruction Not Processed
  • Standing Instruction Request Approval
  • Standing Instruction Cancellation Approval
  • Standing Instruction Amendment
  • Advisory on Hold Instructions
  • Money Card Status
  • Payment Instructions
  • Account Status
  • Bills Payment via CitiPhone
  • Funds Transfer
  • Funds Transfer via CitiPhone
  • Replacement for Lost Card
  • Signature 5-year Mailer
  • Signature 5-year Follow-up Mailer

Paper Advice

  • Unsuccessful Charging of Donation
  • Unsuccessful Charging of Utility Bill Payment
  • Updates on your Contact Information
  • Welcome Letter- Moneycard (List of privileges that you can enjoy with account.)
  • Welcome Letter- Other Citi Accounts. (List of privileges that you can enjoy with account.)

Terms and Conditions

CITI ELECTRONIC STATEMENTS and ELECTRONIC ADVICE USER AGREEMENT

General Terms and Conditions. The words "You", "Your" and "Yours" refer to any holder of a Citibank, N.A. Philippine Branch Automated Teller Machine (ATM) Card or VISA Debit Card ("Citibank ATM Card/VISA Debit Card" or "ATM/Debit Card") or a Citibank, N.A. Philippine Branch VISA/MasterCard ("Citibank VISA/MasterCard" or "VISA/MasterCard") and a Citibank ATM/Debit Card Number and ATM/Debit Personal Identification Number ("ATM/Debit PIN") and/or Credit Card Number and Cash Advance Personal Identification Number ("Cash Advance PIN"). The words "We", "Us", "Our", and "Citi" refer to Citibank, N.A., Philippine Branch ("Citibank, N.A."), or to Citicorp Financial Services and Insurance Brokerage Philippines, Inc. ("CFSI").

A Citi ATM/Debit Card or a Citi VISA /MasterCard Credit Card, on which there is a number (the "Card Number"), has been or may at your request be issued by us, and an ATM/Debit PIN or Cash Advance PIN, and a Citibank Online Username, Password, and a set of Personally Identifiable Information (PII) assigned by you, and, a One-Time PIN ("OTP") either sent via SMS to your mobile phone number on record in our system or generated by a registered Citibank Online Security Device (the "Security Device") you may have requested or by the One-Time PIN via CitiMobile Banking App which you may have registered to], for all or any of your accounts from time to time opened and maintained with or made available by us (collectively the "Accounts") to enable you to have access to Electronic Statements and/or Electronic Advice of any of the Accounts via the use of personal computers, mobile phones, mobile devices, or similar access devices ("customer terminal"). For Electronic Statement/Electronic Advice transmitted as an e-mail attachment, aside from the Citi ATM/Debit Card or a Citi VISA/MasterCard Credit Card, on which there is a Card Number, issued by us, an email address and an Electronic Statement / Electronic Advice Password shall be assigned by you, for all or any of your Accounts, to enable you to have access to Electronic Statements and/or Electronic Advice of any of the Accounts via the use of a customer terminal.

In consideration of our agreement to provide the Citibank Electronic Statement / Electronic Advice, you agree that:

  • ACCEPTANCE. By signing up for and using the Citi Electronic Statement (also known as "e-Statement") and/or Citi Electronic Advice (also known as "e-Advice") service/facility, you have accepted and agreed to be bound by all operational rules and general terms and conditions governing Citi Electronic Statement / Electronic Advice, including without limitation all the following paragraphs and to pay any fee associated with the use of Citi Electronic Statement/Electronic Advice. By signing up for and using either Citi Electronic Statement or Citi Electronic Advice, you further agree to be enrolled in the other service/facility and in the Citi Alerts Service.

    You likewise agree to be bound by any and all laws, rules, regulations and official issuance applicable to Citi Electronic Statement / Electronic Advice, now existing or which may hereinafter be enacted, issued or enforced, as well as such other terms and conditions governing the use of other facilities, benefits or services we may from time to time make available to you in connection with Citi Electronic Statement / Electronic Advice, such as but not limited to the Citi Alerts Service.

  • SERVICES. Citi Electronic Statement / Electronic Advice means Citi's online viewing facility wherein we provide through the medium of the customer terminal and Citibank Online or via e-mail the electronic form of the monthly statement/s of your Accounts (the "Statement of Account") or of the notification letters/letter-advice regarding your Accounts (the "Advice"), to allow you to view the Statement of Account and/or Advice online (either through your Citibank Online account or as an attachment in an e-mail). The Electronic Statement and/or Electronic Advice contain information regarding any of your Accounts with Citibank, N.A., CSI, or CFSI .
  • ENROLLMENT. You shall enroll in Citi Electronic Statement / Electronic Advice and provide your e-mail address before you are allowed to use Citi Electronic Statement / Electronic Advice. We have the absolute discretion, without giving any reason or notice, to reject any request for enrollment in Citi Electronic Statement / Electronic Advice. You may opt to have your Statement of Account or Advice delivered to you as an attachment in an e-mail using the e-mail address you have provided or to receive an email notification that the Electronic Statement or Advice is ready for viewing in Citibank Online.

    On the other hand, you agree that, if you provide your email address to us upon account opening or any time thereafter while you maintain an Account/s with us, you shall be enrolled in Citi Electronic Statement/Electronic Advice service, unless you cancel your enrollment. Citi Electronic Statement/Electronic Advice

    You shall be fully responsible to inform Citi of any changes to your email address in a timely manner and to monitor the due performance and compliance of your obligations.

    You agree that, upon your enrollment in Citi Electronic Statement / Electronic Advice, we shall no longer deliver the paper form of your monthly Statement of Account and any Advice to your mailing address. Instead, we will generate on the business day after your statement date and make available or deliver, as appropriate, within five (5) 3 business days after your statement date, and you agree to accept and view online in a timely manner, the electronic form of your monthly Statement of Account. For Electronic Advice, we will generate the Advice on the business day after the date of fulfillment of the transaction or following the relevant date in case of non-transactional activities/items and make available or deliver, as appropriate, within five (5) business days after such date and you agree to accept and view online in a timely manner the electronic form of your Advice. Your Electronic Statement / Electronic Advice shall be deemed delivered five (5) business day after statement date for Electronic Statement, or five (5) business days after the relevant date for Electronic Advice, respectively.

    Once you have enrolled an Account in Citi Electronic Statement / Electronic Advice facility, all your Accounts will be enrolled.

    We reserve the right to impose a fee for Citi Electronic Statement / Electronic Advice at our absolute discretion at any time without your prior consent.

  • ACCESS TO/VIEWING ELECTRONIC STATEMENT/ELECTRONIC ADVICE. The Electronic Statement shall be available for viewing on Citibank Online no later than 5 business days after statement date and the Electronic Advice shall be available for viewing on Citibank Online no later than 5 business days after the relevant date. You may view your Citi Electronic Statement / Electronic Advice through the Citibank Online at our website at www.citibank.com.ph with the use of your Citibank Online Username, Password and OTP, or in the case of Electronic Statement / Electronic Advice which is/are sent as an e-mail attachment, through your email with the use of an Electronic Statement / Electronic Advice Password. We shall not be liable if you are unable to view the Citi Electronic Statement / Electronic Advice. You understand that while the Citi Electronic Statement is available within five (5) business days after your statement date and the Electronic Advice is available within five (5) business days business day after the relevant date of the Advice 24 hours a day, Citibank Online and/or your internet service may not be available at certain times due to maintenance and/or computer, telecommunication, electrical or network failure or for any other reasons beyond our control. You will be unable to access your Electronic Statement and/or Electronic Advice via Citibank Online should the wrong Citibank Online Username, wrong Password and/or wrong OTP be used. You will likewise be unable to access your Electronic Statement and/or Electronic Advice Statement of Account or Advice sent as an attachment in the e-mail should the wrong Electronic Statement / Electronic Advice Password be used.
  • RESPONSIBILITY. You shall promptly view and examine online your Electronic Statement / Electronic Advice upon availability, and if you discover any discrepancies, omissions, inaccuracies or incorrect entries, you must immediately call our 24-Hour CitiPhone to report these. You shall be liable for all losses prior to your reporting any discrepancies, omissions, inaccuracies or incorrect entries; or if you act fraudulently or with gross negligence, including for failing to properly safeguard your Citibank Online Username, Password and your OTP, and your Electronic Statement / Electronic Advice Password; or if you fail to immediately report any unauthorized transaction made.

    You authorize us to act only upon any instructions pertinent to Citi Electronic Statement / Electronic Advice which are given through Citibank Online and identified by any use of your Citibank Online Username, Password and OTP, or for instructions coursed through our 24-Hour CitiPhone, for which your identity was established through our verification process. We shall be responsible for acting only on those instructions sent through Citibank Online or 24-Hour CitiPhone which are actually received and you agree that we do not assume any responsibility for malfunctions in communications facilities not under our control that may affect the timeliness or accuracy of the instructions sent.

    Such instructions including enrollment, cancellation, change in your Citibank Online Username, Password and/or Electronic Statement / Electronic Advice Password, or change in e-mail address or mobile phone number, shall upon receipt by us be effected at our absolute discretion. We shall be entitled to treat and consider as valid and binding on you any instruction given, or agreement made with us, through Citibank Online by any person using your Citibank Online Username, Password and OTP, or through our 24-Hour CitiPhone where your identity was established through our verification process. We shall neither be liable for acting upon such instructions sent nor be obliged to investigate the authenticity or authority of persons effecting your instructions or to verify the accuracy and completeness of your instructions. Such instructions shall be deemed correct, complete, irrevocable and binding upon our receipt. You hereby accept full responsibility for all pertinent transactions executed via Citibank Online and/or 24-Hour CitiPhone in particular, in ensuring the accuracy and completeness of your instructions. We shall be entitled but not obliged to verify any instructions given using your Citibank Online Username, Password and OTP, or given through our 24-Hour CitiPhone where your identity was established through our verification process.

    You agree that we may, without notice and without stating the reason therefor, cancel or refuse to execute any of your instructions at any time without incurring liability.

  • SUSPENSION/CANCELLATION. We have the absolute discretion to make the Citi Electronic Statement / Electronic Advice available to you. We have the discretion from time to time to modify, restrict, withdraw, cancel, suspend or discontinue Citi Electronic Statement / Electronic Advice without giving any reason therefor. You understand that by using the Citi Electronic Statement / Electronic Advice after any modification or change has been effected, you have agreed to such modification or change.

    You shall likewise have the right to cancel your enrollment in Citi Electronic Statement / Electronic Advice, provided you give prior notice of such cancellation through electronic or paper document sent to us and we acknowledge receipt of such notice, or provided you give prior notice of such cancellation through our 24-Hour CitiPhone.

    Upon cancellation of your enrollment, we shall generate the paper form of your Statement of Account on the next statement date and send to your mailing address the paper form of your enrolled Statement of Account. In the case of the Advice, we shall generate and send to you the paper form of any succeeding Advice within a reasonable time from date thereof.

    After any suspension or cancellation of enrollment, Citi Electronic Statement / Electronic Advice may be reinstated at anytime at our sole discretion and we reserve the right to impose a reinstatement charge as we deem fit.

  • UNAUTHORIZED USE. You are responsible for keeping your Citibank Online Username, Password and OTP, and in the case of the Electronic Statement / Electronic Advice sent as an e-mail attachment, your Electronic Statement / Electronic Advice Password, secret and confidential. You shall not disclose your Citibank Online Username, Password and OTP, and in the case of the Electronic Statement / Electronic Advice as an e-mail attachment, your Electronic Statement / Electronic Advice Password to any unauthorized person and shall take all steps necessary to prevent discovery of your Citibank Online Username, Password and OTP, and in the case of the Electronic Statement / Electronic Advice as an e-mail attachment, your Electronic Statement / Electronic Advice Password, by any unauthorized person.

    You are likewise responsible for ensuring the security of your mobile phone, your Security Device, and/or the One-Time PIN via CitiMobile Banking App, and for keeping these protected from unauthorized use. You should take all necessary steps to prevent the generation of an OTP from the Security Device and/or the One-Time PIN via CitiMobile Banking App by any unauthorized person. You shall hold Citi free and harmless against any and all liability, administrative, civil or criminal, including but not limited to, those relating to any secrecy laws or regulations (if any), should any of your account information be viewed or accessed by any persons other than you.

    You shall inform us as soon as reasonably practicable if you know or suspect that someone else knows your Citibank Online Username, Password and/or OTP, and in the case of the Electronic Statement / Electronic Advice as an e-mail attachment, your Electronic Statement / Electronic Advice Password; or that unauthorized transactions have taken place; or that your Citibank Online Username, Password and/or OTP, and in the case of the Electronic Statement / Electronic Advice as an e-mail attachment, your Electronic Statement / Electronic Advice Password has been lost or stolen. If you fail to do so you shall be liable for any unauthorized transactions made.

    You shall promptly view and examine online your Electronic Statement / Electronic Advice upon availability, and if you discover any discrepancies, omissions, inaccuracies or incorrect entries, you must immediately call our 24-Hour CitiPhone to report these. You shall be liable for all losses prior to your reporting any discrepancies, omissions, inaccuracies or incorrect entries; or if you act fraudulently or with gross negligence, including for failing to properly safeguard your Citibank Online Username, Password and OTP, and in the case of the Electronic Statement / Electronic Advice as an e-mail attachment, your Electronic Statement / Electronic Advice Password; or if you fail to immediately report any unauthorized transaction made.

  • NDEMNIFICATION. We shall not be liable for, and you agree to indemnify and keep us indemnified, against any and all proceedings, claims, losses, damages or expenses (including legal costs) arising from or in connection with the following:

    1. Our action upon any instructions given through Citibank Online which are identified by any use of your Citibank Online Username, Password and OTP; or upon any instructions through our 24-Hour CitiPhone where your identity was established through our verification process;
    2. The improper or unauthorized use of Citi Electronic Statement / Electronic Advice;
    3. Any damage to the customer terminal (including mobile device), related facilities or software as a result of any access to Citi Electronic Statement / Electronic Advice;
    4. Any loss or damage caused by access through your Citibank Online Username, Password and OTP, and in the case of the Electronic Statement / Electronic Advice as an e-mail attachment, your Electronic Statement / Electronic Advice Password when the same is prohibited, restricted, delayed or otherwise affected by:
      1. Any law or regulation of the country from where Citi Electronic Statement / Electronic Advice is accessed and/or the terms and conditions prescribed by the relevant internet service provider or information service provider in such country of access; or
      2. Any law or regulation of any jurisdiction, regional or international authority which governs any use of any component of the Citi Electronic Statement / Electronic Advice, any relevant internet service provider or information service provider or system;
    5. Any loss or damage caused by any act or omission of any relevant internet service provider or information service provider or network provider;
    6. Any loss or damage caused by any modification, alteration, upgrade or termination of Citi Electronic Statement / Electronic Advice;
    7. Any access (or inability or delay in accessing) and/or use of any browser which we provide to allow access to Citi Electronic Statement / Electronic Advice;
    8. Any errors or omissions in the information and materials contained in the Citibank, N.A. website;
    9. Non-delivery, delayed delivery, or the misdirected delivery of an OTP due to factors affecting your mobile phone service provider(s) or internet service provider(s) and other factors outside our control, and your failure or inability to access your Citi Electronic Statement / Electronic Advice as a result thereof; or
    10. Any delay or failure in any transmission, dispatch or communication facilities.
  • LIMITATION OF LIABILITY. Subject to the provisions herein, if we are found liable for any act or omission for any reason whatsoever, our liability shall be limited to the amount of the service fee charged or your actual proven damages, whichever is less. We shall not be liable to you for indirect, special or consequential loss or damages arising in any way out of the use of Citi Electronic Statement / Electronic Advice.
  • NFORMATION. The Electronic Statements and Electronic Advice addressed to you relating to any of your Accounts shall be deemed to be correct unless we receive written notice to the contrary from you within ten (10) days from the date of delivery of your Electronic Advice or Electronic Statement to your email address or from the date these are otherwise made available on Citibank Online. In the absence of manifest error, our records in relation to your Accounts shall be conclusive evidence with respect to your Accounts.

    If you notify Citi of any error in any Electronic Statement or Electronic Advice relating to your Accounts, we shall investigate the error and make the corrections as appropriate. Citi shall notify you of actions taken to correct reported error, if any.

  • SECURITY. We shall use reasonable efforts to ensure that Citibank Online is secure and cannot be accessed by unauthorized third parties. In the case of Electronic Statement/Electronic Advice as an email attachment, we shall encrypt the same prior to sending. However, we do not warrant the security, secrecy or confidentiality of any information transmitted through any relevant internet service provider, network system or such other equivalent system in any jurisdiction via Citi Electronic Statement / Electronic Advice.
  • NTELLECTUAL PROPERTY RIGHTS. You acknowledge that all proprietary rights relating to or in connection with Citi Electronic Statement / Electronic Advice and all updates thereof, including without limitation trademark, tradename, servicemark, patent and copyright, shall at all times vest and remain vested in us.

    Citi Electronic Statement and Electronic Advice use proprietary software of Citi, other Citigroup affiliates and other software suppliers. You agree that we have granted you a non-exclusive license to use this software in connection with Citi Electronic Statement / Electronic Advice which allows you to use such software only for its intended purposes. You shall not disassemble, decompile, copy, modify or reverse engineer any such software or allow anyone else to do so.

  • NDEPENDENT INTERNET SERVICE PROVIDER / CUSTOMER TERMINAL. You understand that any access to the Citi Electronic Statement / Electronic Advice will be effected through the relevant internet service provider or network provider in the country from where such service is accessed, and to this extent such access will also be subject to and governed by the relevant laws and regulations of that country and any terms and conditions prescribed by such relevant internet service provider or network provider in separate agreements with you. You shall be responsible for all fees, charges and expenses, including telephone charges, which may be imposed by any internet service provider incurred in connection with the use of Citi Electronic Statement / Electronic Advice.

    You represent to the best of your knowledge that the customer terminal and any other computer system or device through which access may be effected by any use of your Citibank Online Username, Password and OTP, and in the case of the Electronic Statement / Electronic Advice as an e-mail attachment, your Electronic Statement / Electronic Advice Password, are free from any electronic, mechanical, data failure or corruption, computer viruses and bugs and other similar problems. You agree that neither we, nor any of our officers and employees or any of our branches, affiliates or subsidiaries, is responsible for any electronic, mechanical, data failure or corruption, computer viruses and bugs or related problems that may be attributable to the services provided by any relevant internet service provider or information service provider on your customer terminal.

  • CHANGE OF E-MAIL ADDRESS. You shall immediately notify us of any change in your e-mail address which you have registered for Citi Electronic Statement / Electronic Advice. We shall not be responsible for the consequences of your inability to receive your Statement of Account or Advice from us, as a result of your failure to timely notify us of the change in your e-mail address. Neither shall we be responsible for the consequences of the Statement of Account or Advice from us being sent to the wrong person, as a result of your failure to timely notify us of the change in your e-mail address.
  • WAIVER OF CONFIDENTIALITY. You consent to the transmission of your Statement of Account and/or Advice through the internet, and acknowledge that the internet is not necessarily a secure communications and delivery system, and understand the risks associated with it (among others, confidentiality, security, tampering and unauthorized use). You agree to waive any bank secrecy rights under Republic Act No. 1405, as amended, Republic Act No. 6426, as amended, Section 55.1(b) of Republic Act No. 8791 and any and all other laws on the confidentiality of bank deposits.
  • TRANSFER AND RETRIEVAL OF INFORMATION. You hereby authorize Citi to obtain, retrieve, collect, and verify any information about you as we deem fit in our absolute discretion from any third party for any of the purposes specified in this paragraph for the duration of and even after the closure or cancellation of the Accounts. You further authorize us to process, store, record, organize, update, modify, block, erase or destroy information relating to you and/or your Accounts, properties and investments with Citi and any information we obtain from third parties. You likewise authorize the transfer, disclosure and communication of any information relating to you, your Accounts, or any information thereon, (including information we obtain from third parties such as any financial institution, credit bureau, banking or credit industry association, credit information service providers, credit and loan providers, or service providers of such entities), or any of your properties or investments with us from Citi to, between and among any of the offices, branches, subsidiaries, affiliates, agents, representatives and outsourced service providers of Citi and their respective outsourced service providers or third parties selected by any of them or us (collectively referred to as the "Receiving and Disclosing Parties"), wherever situated, for any lawful use (including for use in connection with the provision of any products or services to you, your Accounts, properties or investments, for data processing and storage, customer satisfaction surveys, product and service offers made through mail/e-mail/fax/SMS or telephone, anti-money laundering, sanctions, and/or US Foreign Account Tax Compliance Act monitoring, review, reporting and withholding, statistical and risk analysis, monitoring, reporting and management purposes, collections purposes) for the duration of and even after the closure or cancellation of the Accounts. In addition to the foregoing, Citi or any of the Receiving and Disclosing Parties may transfer and disclose any such information as may be required by any applicable law, regulation, court, regulator or legal process. We may also retrieve, obtain, collect, verify, transfer and disclose any such information from or to a third party/ies as may be deemed necessary by us for purposes of collecting any outstanding obligation due from you.

    Without prejudice to the generality of the foregoing, where Citi is a user, member of, or subscriber for the information sharing services and activities of, any financial institution, credit bureau, banking or credit industry associations, credit information service provider, credit and loan providers, (individually and collectively referred to as "Credit Institutions"), you expressly authorize:

    1. Us to transfer and disclose to any Credit Institutions and their respective outsourced service providers; and
    2. Any such Credit Institutions to transfer and disclose to any fellow user, member, subscriber, whether a financial or non-financial institution, or to such Credit Institution's outsourced service provider any information (and updates or corrections), whether positive or negative, relating to you or any of your accounts with Citi (and for such purposes) for the duration of and even after the closure or cancellation of the Accounts. You likewise authorize us to obtain and verify information about you from such Credit Institutions for the purposes specified in the first paragraph of this provision.

      You hereby acknowledge that such information shall include basic credit data and negative information under the Credit Information System Act (R.A. 9510), i.e., personal information or demographics, monthly account information, account performance data, including account history and account status.

      Where you have existing unsecured credit facilities with the Bank, you hereby agree and consent to us reviewing and adjusting the credit limit of such unsecured facilities in our absolute discretion in accordance with our credit and risk management policies.

      The foregoing constitutes your written consent for any processing, collection, recording, organization, storage, updating or modification, retrieval, consultation, consolidation, blocking, erasure or destruction of information relating to you and/or your Accounts, properties and investments with us and of information obtained by Citi from third parties, as required under Republic Act No. 10173 and other applicable laws and regulations. This likewise constitutes your written consent for any transfer, retrieval, collection, and disclosure of information relating to you and/or your Accounts, properties and investments with the Bank, and accounts with other financial and non-financial institutions, to, between and among Citi, the Receiving and Disclosing Parties or Credit Institutions for any of the purposes indicated above as well as to any third party may be required under applicable laws, rules and regulations, or by any court, regulator or legal process. You agree to hold Citi free and harmless from any liability that may arise from any transfer, retrieval, disclosure, use or processing of information relating to you and/or your Accounts, properties or investments, or accounts with other financial and non-financial institutions. You hereby waive your rights under Republic Act No. 1405 as amended, Republic Act No. 6426 as amended, Republic Act No. 8791 and other applicable laws and regulations in this regard (where applicable).

      For partnerships and corporate clients, the pronouns "you" and "your" refer to the corporation, partnership or sole proprietorship, the shareholders, partners, beneficial owners, directors/trustees, and authorized signatory/ies of such juridical entity. The signatory/ies of such entity represent and warrant in favor of Citi that you have been authorized by the shareholders, partners, beneficial owners, directors/trustees, and authorized signatory/ies of the juridical entity to signify the latter's consent to the provisions herein.

ADDITIONAL TERMS AND CONDITIONS PERTAINING TO CREDIT CARD ACCOUNTS:

Electronic Statement of Account. We shall give you, as our Cardholder, a monthly Electronic Statement of Account, except that for Cardholders with cancelled accounts with credit balances, we shall give these Cardholders an Electronic Statement of Account on a quarterly basis starting from the date of cancellation. If there is delay or failure in the delivery of the Electronic Statement of Account to you prior to the Payment Due Date, you agree to contact our 24-Hour CitiPhone. Notwithstanding anything to the contrary herein, non-receipt of the Electronic Statement of Account shall not relieve you of your obligation to pay amounts due on the Card on the Payment Due Date.

In the event of any error appearing in the Electronic Statement of Account, you agree to notify us immediately of said error in writing. If no error is reported within thirty (30) days from the date of the Electronic Statement of Account, you agree and confirm that the Electronic Statement of Account is true and correct. If you notify us of an error in the Electronic Statement of Account, you shall not be liable to pay the disputed amount while we are investigating, but you are liable to pay such portion of the Total Amount Due which is not in dispute on or before the Payment Due Date.

Citi shall treat the disputed amount as an outstanding availment against the credit line. If after investigation, we acknowledge the error in the Electronic Statement of Account, you are not liable to pay any Interest Charges related to the disputed amount only. Otherwise, you are liable to pay the disputed amount, as well as the corresponding Interest Charges due.

All written communications, requests or reports on any error in the Electronic Statement of Account from you must be sent by registered mail to the address indicated in the Electronic Statement of Account or personally delivered to Citi, and should contain the following information: (a) your name and Card account number; (b) amount of the error, if any; (c) a description of the error; and (d) your signature.

AGREEMENT. This Citi Electronic Statements and Electronic Advice User Agreement shall form part of the General Terms and Conditions Governing Citibank, N.A.-Philippine Branch accounts, the Terms and Conditions for the Issuance and Use of Citibank, N.A., Philippine Branch Credit Cards, and such other rules and regulations governing your Accounts with Citibank, N.A., and Citicorp Financial Services and Insurance Brokerage Philippines, Inc. (CFSI), and shall be applicable to any future Accounts which you may hereafter open with Citibank, N.A., Philippine Branch, CFSI.

By pressing the "I Agree" button upon access to the facilities, you acknowledge that you have read and understood the Citi Electronic Statements and Electronic Advice User Agreement, and you agree unconditionally to be bound by the terms and conditions of the Citi Electronic Statements and Electronic Advice User Agreement and all amendments, revisions and additions which we may at our absolute discretion effect from time to time.

All Rights Reserved Citibank, N.A. and
Citicorp Financial Services and Insurance
Brokerage Philippines, Inc. 2013.