Citibank-branded Credit Card Member-Get-Member Promo (MGM) February 1, 2023 - March 31, 2023

DTI Fair Trade Permit No. FTEB-160212, Series of 2023

Citibank, N.A., Philippine Branch, has transferred its ownership of its consumer banking business to Union Bank of the Philippines with effect from August 1, 2022. The trademarks "Citi", "Citibank", "Citigroup", the Arc design and all similar trademarks and derivations thereof are used temporarily under license by Union Bank of the Philippines from Citigroup Inc. and related group entities.

1. "Citi" or "Citibank" means Citibank, N.A., Philippines ("we", "our", or "us"), or its successor and assign, UnionBank of the Philippines (hereinafter, all references to Citibank, N.A. Philippine Branch are understood to be references to UnionBank of the Philippines.

2. The Citibank Member-Get-Member Promotion (referred to as "Promo") will run from February 1 to March 31, 2023 (the "Promo Period").

3. The Promo is exclusive to all existing Principal and Supplementary Citi-branded Cardholders, whose credit cards have been issued by Citibank, N.A. Philippine Branch ("Citibank") or its successor and assign, UnionBank of the Philippines, and whose cards accounts are active and in good credit standing who are not prohibited under the applicable Gifts, Anti-Bribery and Corruption laws, regulations and policies from participating Min and /or qualifying for this Promo, and who receive the Electronic Direct Mail (EDM) or SMS referral invitation (referred to as "Referrer").

The promo is not open to persons who are multi-carrier agents of other banks or third parties involved in the business selling of credit cards.

4. Citibank-branded cardholders will get a PhP5,000 Giftaway eGift (referred to as "Reward") for every successful credit card referral (referred to as "Referral) that gets approved within the promo period.

5. The Promo is not applicable to Referrers and Referrals if the Referral is a resident individual of the European Union, European Economic Area (EEA) or any other jurisdictions where referral activity is restricted. Please consult a bank representative for more details.

6. To qualify for the Reward of PhP5,000 eGift for every approved Citi-branded credit card referral, the Referrer must follow the following steps:

• The Referrer needs to refer by going to the Citi ShareRewards page by inputting the following address in his/her browser: http://citibank.com.ph/refer). He/she may also access the same via the Electronic Direct Mail (EDM) invite or SMS sent to him/her.
• The Referrer must complete the 3-Step Referral Process within the ShareRewards pages:
  • Step 1 - Referrer needs to provide the last 6 digits of his/her registered mobile phone number with Citi.
  • Step 2 - Referrer needs to provide the last 4 digits of his/her Citi credit card.
  • Step 3 - Referrer will get the unique referral link by clicking on the "Copy Link" button and needs to share this link on his/her social media accounts by clicking the Twitter, Facebook, or Email button on the page.
• The Referrer must refer prospects who meet the criteria set out in item 7.
• The prospect referred by the Referrer ("Referral") must apply for a Citi credit card during the Promo Period, using the unique referral link provided by the Referrer.
• The Citi credit card application of the Referral must be approved.

7. The Referral must at a minimum meet the following criteria:

   • Has no Principal Citibank Credit Card or has not had one within the last six (6) months prior to the referral.
   • Is between 21 to 65 years old

8. The Referrer agrees and undertakes that when sharing his/her referral link, he/she will not use Citibank's trademarks, service marks, logos, symbols, or brand names, or proprietary indicia, or otherwise use the intellectual property of Citibank in advertising, promotional or marketing communications or correspondence with his/her Referrals. However, Referrers may use the name of Citibank or the name of the Promo in sharing their referral link.

9. The Referrer agrees and undertakes that when sharing his/her referral link, he/she will not represent or misrepresent that he/she is acting for or on behalf of Citibank. Referrers who abuse the referral program in any manner and engage in fraudulent activity shall be reported to the Department of Trade and Industry ("DTI"). This shall be done without prejudice to any legal action that may be taken by Citibank.

10. The Referrer agrees and undertakes that when sharing his/her referral link, he/she will not make false claims about Citibank, its products, or the application process. False claims or any unauthorized action may result in the disqualification of the Referrer from the Promo. This is without any prejudice to any legal action that may be taken by Citibank against the Referrer.

11. The Referrer agrees and undertakes that when participating in the Promo, he/she cannot use the Promo as a platform for selling Citi credit cards. Abuse or any unauthorized action may result in the disqualification of the Referrer from the Promo. This is without any prejudice to any legal action that may be taken by Citibank against the Referrer.

12. The Referrer agrees and undertakes that he/she will not allow a third party to share his/her unique link on his/her behalf.

13. The Referral must personally complete his/her Citibank credit card application and not allow the Referrer or a third party to complete on his/her behalf.

14. The qualified Referrer will be able to redeem his/her Reward as follows:

    1. Within thirty (30) business days from the approval of the Referral's card application, the qualified Referrer will receive an SMS that contains the following:

       • Redemption link: http://gft.ph/citirefer
       • Promo code.

       The promo code is valid for sixty (60) days after receipt of qualified Referrer.

    2. The qualified Referrer shall be entitled to redeem the Reward through Giftaway.ph after three (3) business days from receipt of the SMS / EDM.

    3. He/she should provide the following information to Giftaway.ph, the accredited redemption merchant, through the redemption link:

       • Promo code;
       • Name;
       • Email address;
       • Mobile number;
       • Last 6 digits of his/her Citi credit card.
    4. By redeeming the Reward through the Giftaway redemption site, the Referrer is responsible for providing his/her personal and other information to Giftaway.ph, and agrees that such information, provided by the Referrer to Giftaway.ph, will be subject to the confidentiality, data privacy and security terms of Giftaway.
    5. The Referrer will receive eGift codes from Giftaway through his/her nominated email address and mobile number. The eGift codes will be sent in denominations of Php500.

15. The qualified Referrer may use his/her eGift code by presenting the same at any of the Giftaway merchants (https://giftaway.ph/browse).

16. The promo code/s are valid (and the qualified Referrer may input the code/s in the redemption link) sixty (60) calendar days after the qualified Referrer receives his promo code/s from Citi via SMS. Promo code/s which are not redeemed within sixty (60) calendar days after receipt from Citi will be forfeited.

The eGift codes are valid for one (1) year after the qualified Referrer receives the eGift codes from Giftaway via SMS and/or email. eGift codes which are not redeemed within 1 year after receipt from Giftaway will be forfeited.

17. The MGM Giftaway eGift cannot be converted to or paid out in cash or in kind.

18. In case of multiple Referrers referring the same person (i.e. Referral), the Reward will be given to the Referrer whose applicant link was completed, submitted to, and encoded first by Citibank.

19. Citibank may discontinue the granting of the Reward to the relevant Card account if:

    • applicable law, regulation, or policy restricts the continued granting of such Reward; or
    • the Referrer does not comply with the terms and conditions of the Citi Card Agreement or the rules governing credit relationships.

20. In case of dispute with respect to the Referrer's eligibility, coverage of dates, fulfillment, etc., Citibank's decision shall prevail. All questions or disputes for the Promo shall be resolved by Citibank with the concurrence of DTI.

21. Fraud, abuse or any unauthorized action relating to the credit card application, the participation in the Promo, or the redemption of the MGM Reward may result in the disqualification of the Referrer from the Promo, suspension or cancellation of card privileges or the charging of the full cost of the MGM Reward to the Referrer's Card account, at Citibank's discretion. This shall be without prejudice to any legal action that may be taken by Citibank.

For any concerns, you may call us at (632) 8995-9999 or send us a message through www.citibank.com.ph or such telephone number or e-mail as may be designated by Citi's successor and assign, UnionBank of the Philippines.

Citibank, N.A. Philippine Branch and its successor and assign, UnionBank of the Philippines, are regulated by Bangko Sentral ng Pilipinas with contact details at https://www.bsp.gov.ph.