Citigold^® Private Client Debit Mastercard^®

Your use of the Citibank ATM and Citibank Debit Mastercard is governed by the Citibank Debit Mastercard Terms and Conditions as set out in the Citibank Hong Kong Global Consumer Banking Terms and Conditions. For the Citibank ATM or Citibank Debit Mastercard Terms and Conditions, please visit www.citibank.com.hk.

For the details of service fee, please visit www.citibank.com.hk/servicefees.

The handling fee waiver for overseas ATM cash withdrawal is limited to the handling charge incurred by Citibank (Hong Kong) Limited and/ or Citibank, N.A.. For transactions effected in currencies other than Hong Kong dollars, the amount withdrawn will be converted into Hong Kong dollars at the prevailing exchange rate plus a conversion spread as determined by the Bank on the conversion day and debited from your account together with any charges that may be imposed by the respective ATM network provider (if any).

Illustration for Spending Reward Cash Rebate Calculation: The 1% (Citibanking clients: 0.5%) cash rebate is only applicable to Eligible Transactions posted within the 180-day period from the day after the first Debit Card is issued. For example, if the Card is issued on January 1, 2018, the 1% (Citibanking clients: 0.5%) cash rebate applies to Eligible Transactions posted from January 2, 2018 to July 1, 2018.

Terms and conditions of the spending reward cash rebate:

Citibank Debit Card, with a point-of-sale debit payment function via the card association Network (the "Card"), is only available for card-present transactions (The card must be presented to the merchant when payment is made), digital wallet, contactless and online retail purchase transaction. The following transactions, including but without limitation, are not applicable to the Card: recurring transactions, auto-pay, mail/fax/phone order and installment payments. The payment amount will be directly debited from a HKD savings/checking account (the "Bank Account") linked to the Card. The Cardholder must ensure there is sufficient balance in the Banking Account for the settlement of the total payment amount. Citibank (Hong Kong) Limited and/ or Citibank, N.A. ("Citibank") reserves the right to reject the transaction or debit the Bank Account to a negative balance if there are insufficient funds in the Bank Account to settle the payment. Unless otherwise specified, the Debit Card Cash Rebate Program (the "Program") is only applicable to the Card issued by Citibank. During the Program, cardholders will earn designated cash rebates for Eligible Transactions (as defined in Clause 5 below) made by the Card within a certain period. The cash rebate amount will be calculated by multiplying the single net Eligible Transaction amount in Hong Kong dollars by the respective rebate percentage. The cash rebate is not applicable to transactions, including without limitation to payment to the Inland Revenue Department, casino transactions, transactions without sales slips, other unauthorized transactions and unposted/cancelled/refunded transactions, as well as unsettled transactions due to insufficient account balance in bank account. Citibank reserves the right to change the rebate ratio and the criteria for Eligible Transactions at any time and without prior notice. The decision of Citibank as to what constitutes an Eligible Transaction shall be final and conclusive. Eligible Transactions (the "Eligible Transactions") only include posted transactions from point-of-sale debit payment, digital wallet, contactless and online retail purchase functions made by the Card via the card association Network. To enjoy the cash rebate, the relevant Card and the Bank Account must be valid (meaning not cancelled or terminated) and are regarded as being in good standing by Citibank. If transactions are confirmed to qualify for a cash rebate after verification by Citibank at its sole and absolute discretion, the corresponding cash rebate will be automatically credited to the Bank Account and shown in the next monthly statement. Until it is credited to the Account, it is not transferrable and cannot be converted to cash. Should any transaction in the monthly statement be cancelled or refunded for whatever reason, the cash rebate earned in respect of those transactions will be deducted or cancelled from the Bank Account. Fraud and abuse will result in forfeiture of a cardholder's eligibility to participate in this Program. Citibank reserves the right to withdraw the equivalent value of the cash rebate directly from a cardholder’s Bank Account without prior notice. Relevant terms and conditions regarding the year-round privileges are applicable to the Card. Citibank shall not be responsible for any matters in relation to the related products and services. The respective merchant is solely responsible for all obligations and liabilities relating to such products or services and all auxiliary services. Citibank is entitled at any time and without any prior notice or liability in any form whatsoever to perform the following: terminate the Program; cancel or vary its benefits or features; vary, add to or delete any of these Terms and Conditions; and modify or limit the value of the cash rebate amount. Cardholders must keep all original merchant sales receipts and sales slips and may be required to submit the relevant receipts/sales slips for inspection upon Citibank's request. All matters and disputes will be subject to the final decision of Citibank. In the event of any discrepancy between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.

Terms & Conditions of Complimentary Access to Airport Lounges

• 1. Citigold Private Client Debit Cardholders ("Eligible Cardholders") are entitled to 2 complimentary lounge access at designated airports per calendar year. The Promotion Period is from 8 January 2024 to 31 December 2024.
• 2. Eligible Cardholders must register and reserve the airport lounge in advance at https://mastercardtravelpass.dragonpass.com/ or Mastercard Travel Pass mobile app to enjoy this service.
• 3. If Eligible Cardholders make more than 2 complimentary lounge visits to the lounge in the same calendar year, he/she will be required to pay a service fee of USD32 for each additional service used thereafter, which will be charged directly by the Mastercard Travel Pass platform. If the Bank records that the Eligible Cardholders have more than 2 complimentary lounge visits in the same calendar year and the Mastercard Travel Pass platform has not charged the relevant fees, the Bank will deduct USD32 service fee from the account directly within 6 months from the date of the service use without prior notice.
• 4. This service is provided by Mastercard and is subject to the relevant terms and conditions, please refer to https://mastercardtravelpass.dragonpass.com/ for details.
• 5. This service cannot be exchanged for cash, gift vouchers/cash vouchers or other goods/services.
• 6. The Bank reserves the right to vary or cancel this service and/or amend or amend these terms and conditions at any time with appropriate notice. In case of any dispute, the decision of the Bank shall be final and conclusive.
• 7. In the event of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.