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Terms & Conditions

The words "You", "Your" and "Yours" refer to any holder of a Citibank, N.A. Philippine Branch or Citibank Savings Inc. Automated Teller Machine (ATM) Card or a Citibank, N.A. Philippine Branch or Citibank Savings Inc. Visa/MasterCard and a Citibank ATM Card Number and ATM Personal Identification Number ("ATM PIN") and/or Credit Card Number and Cash Advance Personal Identification Number ("Cash Advance PIN"), and a Citibank Online Username and Password, and additionally, in the case of third party funds transfer instruction, Online Funds Transfer Authorization Code ("OAC"). The words "We", "Us", "Our", the "Bank" and "Citibank" refer to Citibank, N.A., Philippine Branch (Citibank, N.A.) or to Citibank Savings Inc. (Citibank Savings Inc.) A Citibank ATM Card or a Citibank Visa/MasterCard, on which there is a number (the "Card Number"), has been or may at your request be issued by us, and an ATM PIN or Cash Advance PIN, and a Citibank Online Username, Password and Security Questions assigned by you, and additionally, in the case of third party funds transfer instruction, an OAC assigned by us, 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 be connected to our data and operation system (the "System") to have direct access to any of the Accounts or to effect banking/card transactions via the use of personal computers, cellular phones or similar access devices ("customer terminal"). In consideration of our agreement to provide Citibank Online, you agree that:
1. ACCEPTANCE. By using Citibank Online, you have accepted and agreed to be bound by all operational rules and general terms and conditions governing Citibank Online, including without limitation all the following paragraphs, and to pay any fees associated with the use of Citibank Online. You likewise agree to be bound by any and all laws, rules, regulations and official issuances applicable to Citibank Online, now existing or which may hereinafter be issued, as well as such other terms and conditions governing the use of other facilities, benefits or services which we may make available to you in connection with the Citibank Online.
2. RESPONSIBILITY. We have the absolute discretion to make Citibank Online available to you. We have the discretion from time to time to determine the scope of Citibank Online, set or change the daily cut-off time, modify, restrict, withdraw, cancel, suspend or discontinue any or all of the services without notice or responsibility to you and without giving any reason therefore. You understand that by using Citibank Online after any modification or change has been effected, you have agreed to any such modification or change. We shall not be liable to you if you are unable to gain access to the System. You understand that while Citibank Online is available 24-hours a day, some or all of the services may not be available at certain times due to maintenance and/or computer, telecommunication, electrical or network failure or any other reasons beyond our control.

You likewise understand that for your own protection, we shall cancel your ATM PIN or Cash Advance PIN should the wrong ATM PIN or Cash Advance PIN be used three (3) times in one day, and shall likewise lock your Citibank Online Username should the wrong Password and/or incorrect response to a Security Question be made three (3) times in one day. You may request us for a new ATM PIN at any of our branches or a new Cash Advance PIN by calling the 24-hour CitiPhone , and you may reset your Citibank Online Username, Password and/or Security Questions through Citibank Online.

You further understand that for your own protection, we shall cancel your Funds Transfer OAC should the wrong OAC be used three (3) times. You may set up a new Funds Transfer OAC for your third party funds transfer payee through Citibank Online, at any of our branches or by calling the 24-Hour CitiPhone Banking.
3. SUSPENSION/CANCELLATION. After suspension or cancellation, Citibank Online may be reinstated at our sole discretion and we reserve the right to impose a reinstatement charge as we deem fit. We likewise reserve the right to impose a fee for Citibank Online at our absolute discretion at any time without your prior consent.

You authorize us to act upon any instruction which are identified by any use of your Card Number and ATM PIN or Cash Advance PIN, or your Citibank Online Username, and Password and correct response to the Security Questions (the Security Responses), and additionally, in the case of third party funds transfer instruction, your Funds Transfer OAC. We shall be responsible for acting only on those instructions sent through Citibank Online 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 secure e-mail, upon receipt by us, shall 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 internet by any person using the Card Number and the ATM PIN or Cash Advance PIN, or your Citibank Online Username, Password and Security Responses, and additionally, in the case of third party funds transfer instruction, your Funds Transfer OAC, including without limitation, any transfer to a third party account maintained with us or others. We shall neither be liable for action upon such instructions sent nor be obliged to investigate the authenticity or authority of persons effecting your instructions or verify the accuracy and completeness of your instructions. Such instructions shall be deemed correct, complete, irrevocable and binding on you upon our receipt. You hereby accept full responsibility for all transactions executed via Citibank Online and in particular, in ensuring the accuracy and completeness of your instructions.

We shall be entitled but not obliged to verify any instructions given through the use of your Card Number and the ATM PIN or Cash Advance PIN, or your Citibank Online Username, Password and Security Responses, by sending e-mail online or via telephone or any other means.

You agree that we may, without notice and without stating the reason therefore, cancel or refuse to execute any of your instructions at any time without incurring any liability.
4. TRANSACTION DATE. Any transaction done via Citibank Online after the daily cut-off time in Manila, Philippines, shall be treated as a transaction at next business day or such other day as we may at our absolute discretion determine, and will be subject to our usual processing time, as may from time to time be amended. For purposes hereof, the term "business day" shall mean any day in which commercial banks are open for business in Manila, Philippines, excluding Saturdays, Sundays and legal holidays.
5. TRANSACTION RECORDED IN MONTHLY STATEMENT. We will issue a transaction reference number for Bill Payment transactions done through Citibank Online, although such information is not to be regarded as a bank statement or advice. We will not print or issue any transaction reference, advise or confirmation for any other bank transaction conducted via Citibank Online, although such transaction will appear in the monthly bank statements issued to you by us. You may produce a print out of such transaction from your own computer terminal.
6. 6. TRANSFERS AND PAYMENTS.We shall not be obliged to carry out any transfer or payment instructions unless and until your Account(s) with Citibank, N.A. or Citibank Savings Inc. has sufficient funds or credit to pay the relevant amount(s). Funds for all Transfers & Payments amounts will be withdrawn from your Account(s) with Citibank, N.A. or Citibank Savings Inc. by the next business day or such other day as we may at our absolute discretion determine.

We shall not likewise be obliged to carry out any third party transfer instructions unless your intended recipient has been properly activated with the use of the Funds Transfer OAC assigned by us which you receive through e-mail and/or postal mail, or through activation upon your request through any of our branches or our 24-hour CitiPhone.

We cannot guarantee the time at which the receiving banks or billing organizations will credit the account(s) of your payees. To avoid incurring charges, you must initiate a transfer or payment sufficiently in advance of the due date of your payment.

We shall not be responsible for any charges imposed or any other action taken by a payee in any of the following situations:

a. You do not have sufficient funds in your Account(s) with Citibank, N.A. or Citibank Savings Inc. to make a transfer or bill payment;
b. You failed to enroll your third party payee and/or activate your OAC;
c. You did not correctly use the OAC or you used the wrong OAC;
d. An order of court or other competent authority directs us to prohibit withdrawals from the relevant Account(s);
e. Your Account(s) with Citibank, N.A. or Citibank Savings Inc. is/are closed or your Accounts(s) with Citibank, N.A. or Citibank Savings Inc. (or any funds therein) has/have been put on hold;
f. You have not provided us with complete and correct payment information, including without limitation the name, address, account(s) number, the destination bank and branch code, destination city and country of payee, and payment amounts for the payee on a bill payment;
g. You did not correctly use Citibank Online; or
h. Circumstances beyond our reasonable control (such as fire, flood or improper transmission or handling of payments by a third party) prevent the transfer or bill payment, despite reasonable precautions taken by us. We reserve the right to terminate your use of Transfers & Payments at any time without notice.

7. OBTAINING ACCOUNT SUMMARY & RECENT ACCOUNT ACTIVITY. You can use Citibank Online to access the balance and transaction history on all your Account(s). The Account(s) Summary balance will be shown in the Philippine Peso equivalent, and the exchange rates used for calculating the Philippine Peso equivalent for your foreign currency Account(s) are indicative only.
8. UNAUTHORIZED USE. You are responsible for keeping the Card Number, the ATM PIN, Cash Advance PIN, your Citibank Online Username, Password and Security Questions and Responses, and the Funds Transfer OAC secret and confidential. and you shall not disclose the Card Number, the ATM PIN, the Cash Advance PIN, your Citibank Online Username, Password and Security Questions or Responses, and the Funds Transfer OAC, to any unauthorized person and shall take all steps necessary to prevent discovery of the Card Number, the ATM PIN, Cash Advance PIN, your Citibank Online Username, Password and Security Questions / Responses, and the Funds Transfer OAC by any unauthorized person. You shall inform us as soon as reasonably practicable if you know or suspect that someone else knows the Card Number and/or the ATM PIN, Cash Advance PIN, and/or your Citibank Online Username, Password and Security Questions / Responses, and/or the Funds Transfer OAC, or that unauthorized transactions have taken place or that the Card Number, the ATM PIN, Cash Advance PIN, your Citibank Online Username, Password and Security Questions / Responses, or Funds Transfer OAC has been lost or stolen and if you fail to do so you shall be liable for any unauthorized transactions made. You must promptly examine your statements upon receipt and if you discover any discrepancies, omissions, inaccuracies or incorrect entries, you must immediately call 24-hour CitiPhone. 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 negligence, including failing to properly safeguard the Card Number, the ATM PIN, Cash Advance PIN, and your Citibank Online Username, Password and Security Questions / Responses, and/or the Funds Transfer OAC or immediately reporting any unauthorized transaction made.
9. INDEMNIFICATION. 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:

a. Our action upon any instructions which are identified by any use of your Card Number and the ATM PIN or Cash Advance PIN, or your Citibank Online Username, Password and Security Questions / Responses, and additionally, in the case of third party funds transfer instruction, your Funds Transfer OAC;
b. The improper or unauthorized use of Citibank Online, your Card Number, ATM PIN, Cash Advance PIN, or your Citibank Online Username, Password and Security Questions / Responses, and additionally, in the case of third party funds transfer instruction, your Funds Transfer OAC;
c. Any damage to the customer terminal, related facilities or software as a result of any access to Citibank Online through your Card Number, ATM PIN, Cash Advance PIN, or your Citibank Online Username, Password and Security Questions / Responses and additionally, in the case of third party funds transfer instruction, your Funds Transfer OAC;
d. Any loss or damage caused by any access through your Card Number and ATM PIN or Cash Advance PIN, or your Citibank Online Username, Password and Security Questions / Responses, and additionally, in the case of third party funds transfer instruction, your Funds Transfer OAC when the same is prohibited, restricted, delayed or otherwise affected by

i. any law or regulation of the country from where Citibank Online 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
ii. any law or regulation of any jurisdiction, regional or international authority which governs any use of any component of Citibank Online, any relevant internet service provider or information service provide or system;

e. Any loss or damage caused by any act or omission of any relevant internet service provider or information service provider or network provider occasioned by any access through your Card Number and ATM PIN, Cash Advance PIN, or your Citibank Online Username, Password and Security Questions / Responses and additionally, in the case of third party funds transfer instruction, your Funds Transfer OAC;
f. Any loss or damage caused by any modification, alteration, upgrade or termination of Citibank Online occasioned by any access through your Card Number and the ATM PIN or Cash Advance PIN, or your Citibank Online Username, Password and Security Questions / Responses, and additionally, in the case of third party funds transfer instruction, your Funds Transfer OAC;
g. Any access (or inability or delay in accessing) and/or use of any browser which we provide to allow access to Citibank Online;
h. Any errors or omissions in the information and materials contained in the Citibank, N.A. and Citibank Savings Inc. website; or
i. Any delay or failure in any transmission, dispatch or communication facilities.

10. 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 relevant transaction or your actual damages whichever is less. We shall not be liable to you for any indirect, special or consequential loss or damages arising in any way out of the use of Citibank Online.
11. SECURITY. We shall use reasonable effort to ensure that Citibank Online is secure and cannot be accessed by unauthorized third parties. 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 Citibank Online. You shall notify us immediately upon receipt of any data or information which is not intended for you and you shall delete such data or information from the customer terminal immediately.
12. INFORMATION. When through Citibank Online we provide you with any information, you acknowledge and agree that we do not thereby warrant the accuracy and completeness of any such information. We likewise do not warrant the accuracy, adequacy or completeness of any information contained in the Citibank, N.A. and Citibank Savings Inc. website.
13. JOINT ACCOUNTS. In case any Account which is accessible through Citibank Online is a joint or partnership account, you shall be responsible for the liabilities and obligations of the other account holder(s) or partner(s) howsoever arising on a joint and several basis.
14. SETTLEMENT. We will issue a transaction reference for Bill payment transactions done through Citibank Online, although such information is not to be regarded as a bank statement or advice. We shall not print or issue any transaction reference, advice or confirmation for any other transaction conducted via Citibank Online although any such transaction will be recorded in the monthly statement issued by us. While a print-out of the transaction may be produced at any location, it will only show the time at such location. Notwithstanding what may be shown in any terminal or print-out, the transaction is completed instantaneously if done before the cut-off time reckoned at the location of the System, subject to the provisions of sections 4 and 6 hereof. If it is done after the cut-off time at such location, it will be completed as a transaction at next business day value, subject to the provisions of sections 4 and 6 hereof. The transaction details, account balances and other information as shown in any terminal or print-out are for reference only. Those transaction details and account balances as recorded by us will be conclusive (for example, as to the balance, the type and amount of the transaction and the time and date it occurred).
15. TRANSFER OF INFORMATION.You hereby authorize the transfer, disclosure and communication of any information relating to your Accounts, or any information thereon, or any of your properties or investments with Citibank, N.A. or Citibank Savings Inc. to any of the offices, branches, subsidiaries, affiliates, agents and representatives of Citibank, N.A. or Citibank Savings Inc. and third parties selected by any of them, wherever situated, for use (including in connection with the provision of any service or product relating to your Accounts, properties or investments and for data processing and storage, customer satisfaction surveys, anti-money laundering monitoring, review and reporting, statistical and risk analysis and risk management purposes). In addition to the foregoing, Citibank, N.A. and Citibank Savings Inc. and any branch, subsidiary, affiliate, agent, representative or third party may transfer and disclose any such information as may be required by any law or regulation. The foregoing constitutes your written consent for any transfer, and disclosure of information relating to your Accounts, properties and investments for the purposes indicated above and under applicable laws, rules and regulations. You agree to hold Citibank, N.A. and Citibank Savings Inc. free and harmless from any liability that may arise from any transfer, disclosure or storage of information relating to your Accounts, properties or investments. If you do not wish to receive telephone and/or mail solicitations, you may notify us in writing or by calling the 24-hour CitiPhone.
16. INTELLECTUAL PROPERTY RIGHTS. You acknowledge that all proprietary rights relating to or in connection with Citibank Online (including without limitation Citibank website) and all updates thereof, including without limitation trademark, tradename, servicemark, patent and copyright, shall at all times vest and remain vested in us. Citibank Online uses proprietary software of Citibank, N.A., Citibank Savings Inc., 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 Citibank Online, 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. Citibank Online uses proprietary software of Citibank, 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 Citibank Online 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.
17. INDEPENDENT INTERNET SERVICE PROVIDER/COMPUTER TERMINAL. You understand that any access to Citibank Online 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 telephone charges and charges by any Internet service provider incurred in connection with the use of Citibank Online. You represent to the best of your knowledge that the customer terminal and any other computer system through which access may be effected by any use of the Card Number and ATM PIN or Cash Advance PIN, or your Citibank Online Username, Password and Security Questions / Responses and additionally, in the case of third party funds transfer instruction, your Funds Transfer OAC, are free from any electronic, mechanical, data failure or corruption, computer viruses and bugs. You agree that neither we, nor any of our officers and employees or any branch, affiliate or subsidiary of Citigroup Inc., 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.
18. ENTIRE AGREEMENT. This agreement shall form part of the General Terms and Conditions Governing Citibank, N.A. and Citibank Savings Inc. accounts, the Terms and Conditions for the Issuance and Use of Citibank, N.A. Credit Cards and Citibank Savings Inc. Credit Cards, and such other rules and regulations governing your Accounts with Citibank, N.A. and Citibank Savings Inc. and shall be applicable to any future Accounts which you may hereafter open with Citibank, N.A. and Citibank Savings Inc.
19. GOVERNING LAW. This agreement shall be governed by the laws of the Republic of the Philippines and the exclusive venue for all suits to enforce this agreement is only in the proper courts of Makati City.

You acknowledge that your access to Citibank Online via the use of your cellular phone shall be limited only to: viewing of your Account Summary and Account Details (listing of all transactions up to the past 90 days), Bills Payment (limited to payees registered through Citibank Online), Funds Transfer to own accounts, and Funds Transfer to other local Citi accounts/ to 3rd party bank accounts in the Philippines/ to other Citi accounts abroad/ (limited to payees registered Citibank Online), and inquiring on Citi’s latest products, promos, services and branch locations.

You consent to the transmission of Communications 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 6426, as amended, Section 55.1(b) of Republic Act No. 8791 and any and all other laws on the confidentiality of bank deposits.

By pressing the "I Agree" button upon access to Citibank Online, you acknowledge that you have read and understood the Citibank Online User Agreement, and you agree unconditionally to be bound by the terms and conditions of the Citibank Online 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 Citibank Savings Inc. June 2009