As used in these Terms and Conditions, “we”, “our”, “us”, the “Bank” and “Citibank”, refer to Citibank, N.A. --Philippine Branch. “You” and “your” refer to every person who opens an account with Citibank, in addition to any signers added at a later time. “Account” refers to both credit card accounts and bank account. The term “Card” refers to the Citibank Automated Teller Machine (ATM) Card or Citibank Credit Card issued by Citibank.

Your use of the 24-Hour CitiPhone Banking facility constitutes your agreement to the 24-Hour CitiPhone Banking Terms and Conditions, as the same may be amended from time to time. You likewise agree that by using the 24-Hour CitiPhone Banking facility in relation to your Accounts, Citibank, or its service provider operating the 24-Hour CitiPhone Banking facility (“Service Provider”), may at its sole option and discretion, tape or record all your telephone instructions or communications. You agree that such taped or recorded instructions or communications, or transcriptions thereof, may be used by Citibank or its Service Provider against you or any third party or replayed or communicated to any third party, for any purpose, particularly as evidence in any proceeding, judicial or administrative.

For the 24-Hour CitiPhone services which allow you to access all your Accounts, you agree that any telephone instructions you give orally and electronically, verified through your Telephone Personal Identification Number (T-PIN) or your identity having been established through Citibank’s verification process, will bind you. You hereby accept full responsibility for all transactions executed through 24-Hour CitiPhone and in particular, in ensuring the accuracy and completeness of your instructions. Citibank or its Service Provider shall not be liable for any loss, damage, or expense which you may suffer as a result of Citibank or its Service Provider acting on telephone instructions identified by your T-PIN or 24-Hour CitiPhone having established your identity through Citibank’s verification process. You agree to indemnify Citibank or its Service Provider against any loss, damage, cost, expenses, and fees (including legal fees on a full indemnity basis) which Citibank or its Service Provider may suffer or incur arising from so acting on your telephone instruction. Your T-PIN can be used to avail of the 24-Hour CitiPhone services and provide telephone instructions for all your Accounts. Your T-PIN shall be strictly confidential. For your own protection, you agree never to disclose your T-PIN to anyone. You shall hold Citibank or its Service Provider free and harmless in case your T-PIN is revealed to any person, or for any loss or damage you may suffer if Citibank or its Service Provider follows telephone instructions which were identified by your T-PIN. You agree to indemnify Citibank or its Service Provider against any loss, damage, or expense, including legal fees on a full indemnity basis, which Citibank or Service Provider may incur by following your telephone instruction.

Citibank or its Service Provider may, at any time, withdraw or change any or all of the 24-Hour CitiPhone services. Citibank or its Service Provider may likewise, at its discretion, cancel your T-PIN at any time. You shall not hold Citibank or its Service Provider liable for such cancellation. For your own protection, Citibank may also cancel your T-PIN if the incorrect T-PIN was used three (3) consecutive times in a day.

Citibank or its Service Provider is entitled, at its discretion and without notice to you, to refuse to act on any telephone instruction. Citibank or its Service Provider is also entitled to ask for written confirmation of your telephone instruction even if the T-PIN or other identifier(s) given over the phone is correct and valid. Citibank or its Service Provider reserves the right to refuse to act on any telephone instruction until it receives a written confirmation of your instruction.

You may change your T-PIN at anytime by giving us telephone instructions, identified by your T-PIN or customer identity verification process. Citibank reserves the right to reject any number you select as your T-PIN without giving any reason therefore. Citibank or its Service Provider shall confirm your new T-PIN either through the Automated Voice Response when you give telephone instructions or by sending you written confirmation thereof. Your new T-PIN will take effect once you get the confirmation.