CITI ONE BILL AUTO-DEBIT PAYMENT

ONE BILL PAYMENT FACILITY

Citibank, N.A., Philippine Branch, has transferred ownership of its consumer banking business to Union Bank of the Philippines. 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. In relation to such transfer of ownership, all references to Citibank, N.A. Philippine Branch (“we”, “our” or “us”) is understood to be references to UnionBank of the Philippines

With Citi One Bill, your recurring bills payment to select utility companies or insurance companies (“Citi One Bill Merchants”) will be automatically charged to your Card account. You must enroll to this facility by: (a) calling CitiPhone (8995-9999 in Metro Manila, 234-9999 in Metro Cebu, or 02 8995 9999 from other provinces); (b) requesting to enroll through any of our authorized telesales officers; or (c) applying through Citibank Online (www.citibank.com.ph). Upon enrollment you authorize us to provide your Citi credit card number and other information that may be required by the merchant and the credit card acquiring entity of the merchant. The utility account to be enrolled must be under your (the Cardholder’s) name. A notification will be sent to you to confirm your enrollment. We may decline any enrollment if the request is for business or non-personal related bills, or if the account requested for enrollment is not under your (the Cardholder’s) name.

Once your enrollment is confirmed, we will pay the total amount of your respective bills (“Bills”) submitted by the Citi One Bill Merchants and will automatically charge it to your Card. Any disputes on the amount of such Bills should be directed to and exclusively settled between you and the corresponding Citi One Bill Merchant.

The charges are posted to your Card once the Citi One Bill Merchants submit the Bills to us through the acquirer. The hierarchy of payment of the Bills will be based on the date of submission of the Bills by the Citi One Bill Merchants. Approval of the Card Transactions is subject to your available RL or Account Credit Limit. If your RL or Account Credit Limit is insufficient, we may decline the Bills payment, which may result in the cancellation of your Citi One Bill enrollment. We will notify you in case this happens. Before you may be allowed to settle your Bills through your Card again, you must re-enroll cancelled or rejected enrollments; reenrollment is subject to our discretion.

We may process payments for the enrolled Bills even in instances of late payment instructions or system error. We may also impose fees and charges on your Card for services rendered under the Citi One Bill Payment Facility. We will notify you if these charges apply.

Without prior notice, we may reject or cancel any enrollment to Citi One Bill if your Card account is blocked or expired, or is in breach of any terms and conditions of this Citi Card Agreement, or for any other cause for which we deem it necessary, or as instructed by the Citi One Bill Merchant. If we reject any Citi One Bill Card transaction and/or cancel your Citi One Bill enrollment, you need to pay the Citi One Bill Merchant directly.

The Cardholder agrees that his application, maintenance, or continued use of any of the Bank’s products and services shall be his acceptance and agreement to be bound by the provisions of the Bank’s Data Privacy Statement (DPS) found at https://www.unionbankph.com/privacy-security. The Cardholder agrees to authorize the Bank to collect, use, and share Personal Data (as defined under the Data Privacy Law of 2012 and its implementing rules and regulations), customer data, and account or transaction information or records (collectively, the “Information”) provided, and where permitted by law, to share it with: (i) Aboitiz Construction, Inc.; (ii) Aboitiz Equity Ventures; and the (iii) Bank, including their respective subsidiaries and affiliates (collectively, the “Aboitiz Group”) for cross-selling and for the following purposes: (a) purposes as set out in the DPS in force; (b) to identify and inform the Cardholder of products and services provided by the Aboitiz Group that may be of interest to the Cardholder; (c) for compliance to any law, regulations, government requirement, treaty, agreement, policy or as required by or for the purpose of any court legal process, examination, inquiry, audit, or investigation of any authority. This applies notwithstanding any non-disclosure agreement.

You agree to hold us free and harmless from any liability arising from the exercise of any of our rights above. We will not be responsible for any penalty, inconvenience, delay, damage, liability, loss or other consequences arising from such late payments, rejection, cancellation or any other action taken in connection with Citi One Bill, including disconnection or interruption of utility service, termination of insurance policy, or denial of insurance claims. Citi One Bill transactions will earn Rewards Points, Thank You Rewards Points, Rebates, PremierMiles and/or Cebu Pacific (CEB) Points subject to the respective Card product’s terms and conditions.

For any concerns, you may call us at (632) 8995-9999 (632) 8995-9999 or send us a message through www.citibank.com.ph.

Citibank, N.A. Philippine Branch is regulated by Bangko Sentral ng Pilipinas with contact details at https://www.bsp.gov.ph/ SMS: 21582277 (for Globe subscribers only) /Facebook Messenger: @BangkoSentralngPilipinas

For your complaints/concerns, we will endeavor to resolve these within seven (7) business days. For complaints/concerns requiring more time to resolve, we will be in touch with you and inform you of the progress.

To cancel your enrollment in Citi One Bill, you may call CitiPhone. We will notify you in case our collection agreement with the Citi One Bill Merchant is terminated. For non-Citi One Bill auto-debit arrangements, you may directly coordinate with the merchants. These arrangements are subject to the terms and conditions of these merchants' auto-debit agreements.