4. For the avoidance of doubt, NTB Citigold Clients and NTB Citi Priority Clients will exclude

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1 Terms and Conditions New-To-Bank Citigold & Citi Priority Acquisition Campaign, in conjunction with Wealth Management Products ( WMP ) Big Just Got Bigger 2015 promotion ( WMP Campaign ) 1. This promotion ( Promotion ) is organized by Citibank Berhad ( M) ( Citibank or Bank ) and will run from 3 July 2015 to 31 December 2015, both dates inclusive ( Promotional Period ). 2. This Promotion is governed by the terms and conditions set out below and by participating in this Promotion, participants ( Participants ) agree to be bound by them. 3. Subject to these terms and conditions, this Promotion is open to Participants who are new-to-bank Citigold clients ( NTB Citigold Clients ) and new-to-bank Citi Priority clients ( NTB Citi Priority Clients ) only who are not employees of any subsidiaries and/or any affiliates of Citigroup Inc. 4. For the avoidance of doubt, NTB Citigold Clients and NTB Citi Priority Clients will exclude a) Citibank clients who had previously closed the last of all the following products for not more than 6 months prior to the date that such client would like to participate in this Promotion: i) Local and Foreign Currency Checking and Savings accounts, Local and Foreign Currency Time Deposits, Local Currency Islamic Checking and Savings accounts, Local Currency Islamic Time Deposits, Market Linked Investment, Dual Currency Account, Gold Accounts, Unit Trust, Private Retirement Scheme, Retail Bond, Share Margin Financing, Portfolio Power accounts, Overdraft Facility against Time Deposit accounts and FlexiHome Loan accounts; and ii) International Exclusive, Advance CI Care, Flexi Saver, Secure CI Plus, ProLife, Secure Saver, ValuePac, Level Term Plan, EduKidz, and any other investment linked insurance policy(/ies) or endowment insurance products that Citibank may identify from time to time; or b) existing Citibank clients who have any one or more of the products listed in Clause 4(a) above with and/or through Citibank: 5. This Promotion is limited only to a) NTB Citigold Clients who must place and maintain a minimum month end balance ( Month End Balance ) of at least (i) RM200,000 for NTB Citigold Clients who choose Tier B; (ii) RM500,000 for NTB Citigold Clients who choose Tier C; or (iii) RM1,000,000 for NTB Citigold Clients who choose Tier D (or the respective equivalents in foreign currency at the applicable exchange rate) Fresh Funds (as defined below); and b) NTB Citi Priority Clients who must place and maintain a Month End Balance of at least RM50,000 (or the respective equivalents in foreign currency at the applicable exchange rate) Fresh Funds (as defined below); with Citibank at the point of account opening in any one or more of the various products listed in the table below and for a period of thereafter. Fresh Funds refer to funds that do not originate from any existing account (/s) with Citibank ( Fresh Funds ). Month End Balance means the balance of the Participants deposits and/or investments held with Citibank as at the end of each month and 1

2 the insurance premium paid, as shown in the Participant s monthly statement and/or as determined by Citibank from time to time. Products Local and Foreign Currency Time Deposits Local and Foreign Currency Current or Savings Accounts Local or Foreign Currency Investments Any insurance products listed in paragraph 4(a)(ii) above. 6. Over and above the foregoing, Participants will have to open at least one of the current accounts listed below : i) Premium Checking Account; ii) Step-Up Interest Account; or iii) Max Yield Account. 7. Promotion: - Time Deposit Promotion Rate Tenure of Time Deposit Ratio of funds to be placed in Investment (INV) to funds placed in Time Deposit (TD) Eligible Investment Product(s) Minimum Investment Sales Charge (FEL) to qualify for WMP Campaign gifts Tier A 4.38% p.a. Tier B 5.18% p.a. For NTB Citi Priority Clients only - Maximum ratio of 2 TD :1 INV Maximum TD amount of : RM50,000 2 TD :1 INV subject to a maximum TD amount of RM180,000 Unit Trust, Private Retirement Schemes, Market Linked Investment, Retail Bonds and Dual Currency Account subject to investments in DCA or Excluded Funds must be accompanied by a minimum of a. RM20,000 investment in either one or more of Unit Trust (other than Excluded Funds), Private Retirement Schemes, Market Linked investments, and/or Retail Bonds for Citigold clients; and b. RM10,000 investment in either one or more of Unit Trust (other than Excluded Funds), Private Retirement Schemes, Market Linked investments, and/or Retail Bonds for Citi To qualify for gift(s) under Table 1 of WMP Campaign : i. Unit Trust / Private Retirement Scheme must have a sales charge of at least 2.5% except for RHB- OSK Smart Income Fund, Hwang Select Bond Fund MYR/USD, CIMB-Principal Bond Fund, CIMB-Principal Strategic Bond Fund and Hong Leong Global Bond Fund, the minimum sales charge for the said funds to be entitled to participate in this campaign is at least 2.0%; ii. Retail Bond must have a sales charge of at least 2.0%. Note : 1. Market Linked Investment 2

3 Tier C 6.18% p.a. 1.5 TD :1 INV subject to a maximum TD amount of RM300,000 Priority clients. have no minimum sales charge requirement. 2. Dual Currency Account Investment: Sales Charge does not apply Gifts under Table 2 of the WMP Campaign is only applicable to Participants who invest in Dual Currency Account or Excluded Funds provided Participants invests the minimum threshold on eligible products mentioned in column 4 of this table. Tier D 7.88% p.a. 1 TD :1 INV subject to a maximum TD amount of RM500,000, See further terms and conditions as set out in the WMP Campaign and this Promotion. a. The Time Deposit Promotion Rate as indicated above is for Local Currency Time Deposit(s) only and interest on such Time Deposit(s) will be calculated at the above stipulated Time Deposit Promotion Rate provided the terms and conditions stated in this Promotion is fulfilled. b. The maximum amount allowed during the Promotion Period, for Time Deposit placement(s) eligible for the Time Deposit Promotion Rate is: i. Citi Priority Tier A: RM50,000 per customer only; ii. Citigold Tier B: RM180,000 per customer only, iii. Citigold Tier C: RM300,000 per customer only iv. Citigold Tier D: RM500,000 per customer only. c. The investment which is relevant for the calculation of the ratio of funds in the table above under this Promotion is limited to Unit Trusts, Private Retirement Schemes, Retail Bonds, Market Linked Investments and Dual Currency Accounts distributed by Citibank only as indicated in column 4 of the table above ( Investment or INV ). d. The Investment amount used to participate in this Promotion is also eligible for participation in the WMP Campaign. Any participation in such WMP Campaign. is subject to the terms and conditions of that campaign except that even though the WMP Campaign will end on 31 March 2015, for the purposes of this Promotion, the investment amount used to participate in this Promotion by the NTB Citigold Clients and NTB Citi Priority Clients participating in this Promotion from 1 July 2015 to 31 December 2015, can still be used to participate in the WMP Campaign so as to be eligible to obtain the gift(/s) set out in the WMP Campaign. e. The minimum amount of the Investment to participate in this Promotion for 3

4 i. NTB Citigold Clients is RM20,000/- or its equivalent in the currency of such foreign currency Investments but if the Investment is (a) Dual Currency Account, the minimum investment in the Dual Currency Account is RM50,000 and investment in Dual Currency Account; or (b) Excluded Funds, the investment in Excluded Funds; must be accompanied on the same day by a minimum of RM20,000 Investment in Unit Trusts (other than Excluded Funds), Private Retirement Schemes, Market-linked Investments and/or Retail Bonds; and ii. NTB Citi Priority Clients is RM10,000/- or its equivalent in the currency of such foreign currency Investments but if the Investment is a. Dual Currency Account, the minimum investment in the Dual Currency Account is RM50,000 and investment in Dual Currency Account; or b. Excluded Funds, the investment in Excluded Funds; must be accompanied on the same day by a minimum of RM10,000 Investment in Unit Trusts (other than Excluded Funds), Private Retirement Schemes, Market-linked Investments and/or Retail Bonds. f. The amount of funds placed in the Investments is subject to the minimum investment amount required for each Investment. g. This Promotion is only applicable to the initial placement of Time Deposits during the Promotion Period and any subsequent top up and/or renewals will not enable the Time Deposit(s) to be eligible for the Time Deposit Promotion Rate. h. No interest will be payable on any Time Deposit(s) terminated or partially withdrawn. i. Interest for the Time Deposit(s) will be paid out upon maturity, calculated based on the initial deposit amount provided it is not terminated or partially withdrawn. j. The principal amount of the Time Deposit(s) and the accrued interest thereon shall be paid via crediting such amount into the Participant s Time Deposit, Savings or Checking account upon the Participant s instruction(s). k. Time Deposit(s) under this Promotion may be split into multiple contracts, provided that the placement of such Time Deposit(s) is made at the same time. l. The amount of Fresh Funds to be placed in Time Deposits and the Investments must be placed at the same time based on the ratio of funds in the tables above. 8. All Investments products are not available to US Persons and may not be available in all jurisdictions. 9. Participants can participate in other on-going promotions or campaigns, subject to such other ongoing promotions or campaigns respective terms and conditions. Save as set out in Clause 7(d) above, Participants cannot use the same funds placed for the purposes of this Promotion to participate in such other on-going promotions or campaigns. 10. United States Person or US Person is described as any of the following: a. Any citizen or resident of the United States of America including any person with a United States of America domicile; b. Any corporation, partnership or entity organized or existing under the laws of any state, territory or possession of the United States of America; 4

5 c. Any estate or trust of which any executor, administrator or trustee is a United States Person; d. Any agency or branch of a foreign entity located in the United States of America; e. Any non-discretionary account or similar account (other than an estate or trust) held by a dealer or other fiduciary for the benefit or account of a United States Person; f. Any discretionary account or similar account (other than an estate or trust) held by a dealer or other fiduciary for the benefit or account of a United States Person; g. Any foreign partnership or corporation formed by a United States Person principally for the purpose of investing in unregistered securities; h. Any person including any corporation, partnership or entity organized or existing under any United States of America laws or otherwise, with a United States of America account mailing address; i. Any natural person holding a United States of America Green Card; j. Any person including any corporation, partnership or entity organized or existing under any United States of America laws or otherwise who meets the substantial presence test, that is one who is present in the United States of America for at least 183 calendar days by counting all the days (at least 31) in the current year, 1/3 of the days in the immediately preceding year, and 1/6 of the days in the second preceding year; k. Any person defined as a US Person for United States of America Tax purposes; or l. Any company, corporation, partnership or entity owned or controlled by any U.S. Person (with ownership of 10% or more by a US Person). 11. Citibank reserves the right to disqualify anyone from participating in this Promotion. 12. This Promotion shall be subject to the regulations, directives and guidelines of Bank Negara Malaysia, and such other relevant regulatory bodies. 13. Citibank shall not be liable for any default in respect of this Promotion due to any act of God, war, riot, strike, lockout, industrial action, fire, flood, drought, storm, epidemic or pandemic, technical or systems failure or any event beyond the reasonable control of Citibank. 14. Citibank s decision on all matters relating to this Promotion is final and binding. 15. Citibank reserves the right at its own discretion to vary or change any of these terms and conditions from time to time or cancel, terminate, withdraw, or suspend this Promotion and/or replace this Promotion with another similar promotion, campaign or program with prior notice. Such variation, changes, cancellation, termination, withdrawal or suspension will be notified by posting on Citibank s website at ( Website ), or in any other manner as Citibank deems fit. In this respect, the Participant s participation in this Promotion also signifies his/her agreement to access the Website at regular intervals to view these terms and conditions and to ensure that they are kept up-todate with any variations or changes which Citibank may effect from time to time. Participants also agree that their continued participation in this Promotion will constitute their acceptance of these terms and conditions (as varied from time to time). For the avoidance of doubt, any cancellation, termination, withdrawal or suspension by Citibank of this Promotion will not entitle the Participant to any compensation against Citibank for any and all loss or damage that may be suffered or incurred by the Participant as a direct or indirect result of the act of cancellation, termination, withdrawal or suspension. 16. Any term and condition applicable to this Promotion which is illegal, prohibited or unenforceable under any law or regulation shall be ineffective to the extent of such illegality, voidness, prohibition or unenforceability without invalidating the remaining provisions. 17. These terms and conditions are governed by and construed in accordance with the laws of Malaysia. 5