Enjoy using your credit card.

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1 Citi Cards Service Guide Enjoy using your credit card. Card Line-up With global service and rock-solid reliability, Citi Cards has issued top of the class cards in the world. Annual Fees (Excluding tax) Citi Platinum Card Citi Gold Card Citi Rewards World Card Citi Rewards Card Principal Member 35,000 yen 12,000 yen 12,000 yen 3,000 yen 3,000 yen Family Member Citi Cash Back Card 3,000 yen 500 yen Delta Airlines-Alliance Cards Delta SkyMiles Citi Platinum VISA Card Principal Member 40,000 yen Family Member Delta SkyMiles Citi Gold Visa Card 18,000 yen 9,000 yen Citibank-Alliance Cards Citibank Platinum Card Delta SkyMiles Citibank Platinum VISA Card Citibank Gold Card Delta SkyMiles Citibank Gold Visa Card Citibank Dollar Card Principal Member 35,000 yen 40,000 yen 12,000 yen 18,000 yen $40.00 USD Family Member 9,000 yen *Where any amount is shown as a pre-tax price (excluding tax), the amount will be billed together with an amount based on the applicable tax rate. For specific sums billed, please refer to the statement. 1

2 Citi Cards Service Guide When you enjoy daily shopping, have an exciting time at an event, relax on your holidays, explore unknown world abroad, or even in unexpected emergencies, Citi Cards credit card is there for you in every aspect of your life. This Service Guide introduces the wide range of services available to card members and helps you make the most out of your card for your ultimate enjoyment. CONTENTS For more Information Citi Cards Official Website Call Center List of Card Services Travel Services Citi Cards Travel Desk Airport Lounge Service Airport Taxi Service Visa Special Offer Information MasterCard Special Offer Information THE WORLD OTOKU SHOPS GUIDE Other Services Citi Alert Service Overseas Medical Consultation Service Hertz Rent-a-Car World Souvenir Delivery Service Flower Service Citi VISA Platinum Card Special Offers Rewards Programs Citi Rewards Program Bonus Rewards Program Citi Cash Back Program Insurance Services Insurance Services Financial Services Cash Advance & Card Loan Installment Loan How to Use Your Card First Sign the Back of Your Card How to Use Your Card at Merchants Closing Date and Date Total Credit Line Method of Revolving In Installments Safety Tips If Your Card Is Lost Or Stolen Managing Your PIN Options Family Member Citi ETC Card e-statement (Online Billing Statement) For more Information Citi Cards Official Website On our website, you can find money-saving promotions, check your account activities or reward point (or cash-back) balances, register for marketing campaigns, request a variety of materials, and much more. Citi Cards Online [Registration and Sign-on] Once you register, you just need to enter your ID and password to sign on! *When registering for the first time, you will be required to enter your card number, date of birth, security code (see Page 14), and the last 4 digits of the Telephone number at your registered home address. [Useful Services Available on Citi Cards Online] Register for promotions Check or change your registered account information Check or increase your total credit line Check your monthly billing statement Cash advance & card loan Check your point balance* or exchange points for rewards Apply for Switch to Revolving *For mileage balances, you need to access the website of your airliner. *Citi Cash Back Card Members can view their cash back balance instead of point balance. *Please note that Citi Cards Online may not be available during certain times of day due to maintenance. Citi Cards E-Magazine E-Magazine with information on great benefits and more will be delivered to your inbox. Please register your address on Citi Cards Online. *Please note that the Citi Cards E-Magazine may not be compatible with mobile phone addresses. Call Center Our call center provides customer support 24 hours a day, 365 days a year. Call for emergencies such as a lost or stolen card, or to inquire about any of our services If using a mobile phone call hours a day/365 days a year From overseas, call *Please feel free to call collect *Be sure to have your 16-digit card number and 4-digit T-PIN ready when calling. To check your T-PIN, use the Interactive Voice Response system to connect to an operator. You will receive your T-PIN in writing at a later date. *This service requires a touch-tone phone. 2

3 List of Card Services Citi Platinum Card Citibank Platinum Card Citi Gold Card Citibank Gold Card Delta SkyMiles Citi Platinum VISA Card Delta SkyMiles Citibank Platinum VISA Card Citi Cards Online P2 Call Center P2 <Travel Services> Citi Cards Travel Desk (Overseas) P5 Citi Cards Travel Desk (Domestic) P5 Airport Lounge Service P5 Airport Taxi Service P6 Visa Special Offer Information P6 (VISA Only) MasterCard Special Offer Information P6 (MasterCard Only) THE WORLD OTOKU SHOPS GUIDE P6 <Other Services> Citi Alert Service Overseas Medical Consultation Service Hertz Rent-a-Car World Souvenir Delivery Service Flower Service Citi VISA Platinum Card Special Offers(*1) <Rewards Programs> Citi Rewards Program P8 Bonus Rewards Program P9 Citi Cash Back Program P10 <Insurance Services> CitiAssist P10 Buyer s Protection P12 Cancel Protection P13 <Financial Services> Cash Advance & Card Loan (*2) P13 Installment Loan P14 <Method of > Revolving P15 In Installments P16 <Options> Family Member P18 Citi ETC Card P18 e-statement P18 * 1: Citi VISA Platinum Card means Citi/Citibank Platinum Card and Delta Skymiles Citi/Citibank Platinum VISA Card in this guide. *2: Application form for Cash Advance/Card Loan Credit Line increase is required in advance. 3

4 List of Card Services Delta SkyMiles Citi Gold VISA Card Delta SkyMiles Citibank Gold Visa Card Citi Rewards World Card Citi Rewards Card Citi Elite Card Citi Cash Back Card Citibank Dollar Card Citi Cards Online P2 Call Center P2 <Travel Services> Citi Cards Travel Desk (Overseas) P5 Citi Cards Travel Desk (Domestic) P5 Airport Lounge Service P5 Airport Taxi Service P6 Visa Special Offer Information P6 MasterCard Special Offer Information P6 THE WORLD OTOKU SHOPS GUIDE P6 <Other Services> Citi Alert Service Overseas Medical Consultation Service Hertz Rent-a-Car World Souvenir Delivery Service Flower Service Citi VISA Platinum Card Special Offers <Rewards Programs> Citi Rewards Program P8 Bonus Rewards Program P9 Citi Cash Back Program P10 <Insurance Services> CitiAssist P10 Buyer s Protection P12 Cancel Protection P13 <Financial Services> Cash Advance & Card Loan (*1) P13 Installment Loan P14 <Method of > Revolving P15 In Installments P16 <Options> Family Member P18 Citi ETC Card P18 e-statement P18 *1 : Application form for Cash Advance/Card Loan Credit Line increase is required in advance. *2: The Citibank Dollar Card does not include Citi Assist accident insurance for travel in Japan. *3: The Citibank Dollar Card can only be used overseas. 4

5 Travel Services Citi Cards Travel Desk Overseas Our Travel Desk offers help and consultation services when you travel abroad. Before Your Departure Individual Overseas Travel Management Service Our Travel Desk can make reservations on your behalf at famous hotels in your destinations or air tickets including regular discount tickets to locations throughout the world. Also ask our Travel Desk for information on or booking at restaurants, optional tours, shows, sporting events and much more. Overseas Package Tour Discount Service Get a 3% to 5% off the basic prices of overseas package tours from our affiliated travel agencies. *Please make reservations at least 10 days before departure. Note that if there are less than 10 days until departure, depending on the situation it may not be possible to accommodate your requests. *The discount service can only be used through the Citi Cards Travel Desk. (Please note that discounts of some products may not be available for certain destinations.) *These services are not available for Citibank Dollar Card Members. After Your Departure Overseas Assistance Desk There are over 80 assistance desks around the world for various information, reservation services, and emergency support or consultations. Information/Arrangement Assistance Services For information on the city highlights, tourist destinations, public transport, flight information, hotels, information on sporting, entertainment events, concerts, resort sports facilities, optional tours and other local timely information. Please direct any inquiries to Citi Cards Travel Desk (Overseas) For Citi VISA Platinum Card Members Overseas travel : Monday to Saturday: 10:00 am to 10:00 pm, closed on Sunday, holiday and from Dec 30 to Jan 4 For Other Card Members Overseas travel : Monday to Saturday: 10:00 am to 10:00 pm, closed on Sunday, holiday and from Dec 30 to Jan 4 Domestic Provides a variety of convenient services to make your domestic travel more enjoyable. Will also respond to various requests to help you make the most of your time. Information in Japan Get information about areas throughout Japan including events, festivals, and flower blossoms or snowfalls. Also search for and reserve transportation in domestic travel, lodging and package tours all with a single phone call. Accommodations Select from around 4,500 hotels and inns around Japan. Find a plan that fits your tastes, whether it is a stay at a charming inn, a room with a beautiful night view, or in a suite room. If there is a vacancy, a reservation on the same day is possible. *If there are vacancies available, you can even make a reservation on the day you plan to stay. Public Transportation For information and reservations for all kinds of domestic transportation, including JR, limousines, rental cards, ships, and air flights. *Some products such as certain kinds of JR tickets may not be available. Domestic Package Tour Discount Service Get a 3% to 5% discount on domestic package tours from partner travel agencies. *Limited to products with a basic cost of at least 50,000 yen per person. *Please make a reservation at least 10 days before departure. Note that if there are less than 10 days until departure, depending on the situation it may not be possible to accommodate your requests. *The discount service can only be used through the Citi Cards Travel Desk. (Note that some products may not be eligible for discounts or may not be available depending on the point of departure.) * These services are not available for Citibank Dollar Card Members. * Depending on the service, you may need to pay some actual costs and/or service fees. * Please have your Citi Cards credit card ready when you contact the Travel Desk (Domestic) as your card number and the expiration date are necessary. Please direct any inquiries to Citi Cards Travel Desk (Domestic) For Citi VISA Platinum Card Members Domestic travel : Monday to Saturday: 10:00 am to 10:00 pm, closed on Sunday, holiday and from Dec 30 to Jan 4 For Other Card Members Domestic travel : Monday to Saturday: 10:00 am to 10:00 pm, closed on Sunday, holiday and from Dec 30 to Jan 4 *This service is provided by H.I.S. CO.,LTD. (Registered Travel Agency No. 724 approved by the commissioner of Japan Tourism Agency). *This service is provided by H.I.S. CO.,LTD. (Registered Travel Agency No. 724 approved by the commissioner of Japan Tourism Agency). Primary Overseas Desks As of February Airport Lounge Service North America Europe Asia/Pacific New York, San Francisco, Los Angeles, Las Vegas, Orlando, Vancouver, Toronto, Honolulu London, Paris, Rome, Frankfurt, Vienna, Madrid, Barcelona Hong Kong, Singapore, Seoul, Bangkok, Beijing, Shanghai, Taipei, Siem Reap, Bali, Saipan, Guam, Gold Coast, Sydney, Auckland *The location, contact information, and dates or hours of operation for overseas desks in each country may change without notice, so please check the Citi Cards official website before departure. *Only available to a Member and those accompanying them. Use our airport lounge service to relax as you wait to board your flight. Lounges are available to eligible members at no charge. To Use an Airport Lounge Present your eligible credit card and boarding pass at the lounge entrance. *If using an online check-in service, please present a confirmation screen on your mobile phone or a printout of the screen from your PC so that your boarding status may be confirmed. * and Citi Rewards cards may not be used at some lounges. *This service is not available for Citibank Dollar Card or Citi Cash Back Card Members. Please access the Citi Cards official website for details about the Airport Lounge Service (Japanese only). Please see here 5

6 Airport Taxi Service The Citi Cards Travel Desk (Overseas) provides a preferential taxi service to people reserving an overseas travel package or overseas flight ticket departing from Japan, provided they meet the minimum purchase price below. Customer with a purchase price of at least 500,000 yen (*1) is eligible for a free (*2) or partially paid (*3) one-way taxi ride. The trip shall be from a location in the eligible areas (*3) to an eligible airport. Eligible Airports Narita Airport (Terminals 1 & 2) Kansai International Airport Chubu International Airport Haneda Airport International Terminal *1: Fuel surcharges, Japanese airport usage charges and destination airport usage charges are not included in the purchase price. *2: Citi Cards Japan will pay for the cost on behalf of the customer for a taxi ride from a certain location in the eligible areas to an eligible airport. *3: The areas eligible for this service are limited. *This service is not available for Citibank Dollar Card, or Citi Cash Back Card Members. THE WORLD OTOKU SHOPS GUIDE Provides a variety of online coupons for use in locations around the world, including Hawaii, South Korea, Italy and Australia. Also includes city maps and information about merchants. Just select your travel destination. Available Locations Hawaii Guam/Saipan London/Paris South Korea Shanghai/Beijing Hong Kong/Taiwan/Macao Thailand/Singapore New York Los Angeles/San Francisco Italy Spain Germany/Austria *Featured countries/regions are subject to change. *This service is provided by the VJA Group. Please access the Citi Cards official website for details about THE WORLD OTOKU SHOPS GUIDE (Japanese only). Please see here Please access the Citi Cards official website for details about Airport Taxi Service (Japanese only). Please see here Special Offer Information Download coupons for shopping or dining overseas or get information about great prizes that you can win. Visa Passport Use with your Visa Card to enjoy discounted overseas travel. Download in PDF format from the site below. Visa Card Members Site (Japanese only) *Services provided to Visa Gold Members apply to the Citi Cash Back Card as well. *Site information is provided by Visa Worldwide. Special Offer Information A site with special offers for MasterCard members. Includes information about various MasterCard promotions. MasterCard Taste of Premium Provides a variety of services, including discounts for luxury inns and restaurants, and other travel-related services. *This service is only available for Citi Rewards World Cards and s. MasterCard member site (Japanese only) *Site information is provided by MasterCard. 6

7 Other Services Citi Alert Service Get timely updates about your registered Citi Cards credit card. Billing Amount Alert This service notifies you of your card's billing amount by . If you register for this service by end of month, the notice will be delivered to you via from the following deduction month. *This service is not the same as the e-statement service. Direct Debit Result Alert This service will automatically notify you by when a payment has been deducted from your registered financial institution. (The notification day will depend on the registered financial institution.) If you register for this service at least 2 business days before your monthly payment is deducted, the notice for current month will be delivered to you via . 4 Advantages of the Citi Alert Service Get notifications at the address you specify, including mobile phone addresses. Helps prevent trouble related to the deduction of payments. Helps prevent unauthorized use of your account. Lets you manage your household finances more easily. Please register from Citi Cards Online Overseas Medical Consultation Service A Japanese language emergency assistance service that provides telephone support to a Member encountering illness or injury during overseas travel, no matter where they are in the world. Doctors are available 24 hours a day to receive medical inquiries from overseas. There are no consultation or calling charges. If necessary, users will be introduced to the member s home while absent. Service Content 1. Emergency medical consultation with a Japanese physician 2. Interpreting with foreign doctors 3. Introduction of doctors and hospitals 4. Transmission of emergency medical messages to the member s home while absent. 5. Various advice related to medical matters *This service is included with CitiAssist overseas travel insurance (see Page 10). *This service is for use by people calling from overseas. Direct examinations are not possible, so it is not possible to provide diagnoses or instructions for medical care over the phone. *This service is not available for Citi Cash Back Card Members. To use the service, call the Tokio Marine & Nichido Overseas Service Desk When calling, please state that you are a Citi Cards member. From overseas, call (Please collect call) *This service is provided by Tokio Marine & Nichido Fire Insurance Co., Ltd. Hertz Rent-a-Car World Souvenir Delivery Service Send souvenirs from around the world directly to addresses you specify. Take your time choosing your souvenirs at home or at your destination. Orders can be placed online. Available Regions (as of February 2014) United States (and Canada, Brazil, Mexico, etc.)hawaiiaustralia (and New Zealand)EuropeGuam (and Saipan, Fiji, Tahiti, New Caledonia, etc.) Southeast AsiaChina and Hong KongSouth Korea Taiwan Japan Advantages of the World Souvenir Delivery Service 5% discount Easy online ordering To request a catalog or make an inquiry (Japanese only) *This service is provided by RH Traveler Corp. *This service is not available for Citibank Dollar Card Members. Enjoy your trip without having to carry souvenirs with you RH Traveler Corp (9:30 am to 6:00 pm, closed January 1-2) Flower Service Order fresh flowers easily by phone or online. Perfect for birthdays or anniversaries, or when visiting a sick friend or family member. Delivery Date Flowers will be delivered 3-4 days after ordering. If you wish to specify a certain date, please order at least 5 days before the desired date. Message A message of up to 35 characters can be included. *Delivery may not be available for some remote islands. Contact the World Flower Service for more information or to place an order (Japanese only) (10:00 am to 5:00 pm, closed Sundays and holidays, can be used from mobile phones/phs) From overseas, call Orders can also be placed online. Flower Service website (You can choice English) *This service is provided by World Flower Service. *This service is not available for Citibank Dollar Card Members. Citi VISA Platinum Card Special Offers Citi Cards offer special services for Citi/Citibank Platinum Card and Delta SkyMiles Citi / Citibank Platinum VISA Card. Please access the Citi Cards official website for details about Citi VISA Platinum Card Special Offers (Japanese only). For Citi / Citibank Platinum Card Members For Delta Skymiles Citi / Citibank Platinum VISA Card Members Please see here Please see here Get a special Citi Cards member discount from Hertz Rent-a-Car. Get a special Citi Cards member discount of 5% to 20% off or discounted member fees *Applies to the least expensive applicable fees. Examples of regions eligible for discounts: United States (including Hawaii), Guam, Saipan, Canada, Australia, New Zealand, etc. Call the Hertz Rent-a-Car Reservation Center to apply (9:00 am to 6:00 pm, closed on weekends and holidays) When making a reservation, be sure to mention your member discount number (CDP-55699) and present your Citi Cards credit card, Japanese drivers license and international drivers license (if driving overseas) at the sales counter. 7

8 Rewards Programs Citi Rewards Program Earn Citi Rewards Point for every 100 yen you spend on your credit card. Use your points to get cash back, useful coupons, specially selected rewards or to pay for annual membership fees. You can exchange points for rewards on the Citi Rewards Program website. Citi Rewards Points never expire, so take your time and save up your points. Earn Citi Rewards Point for every 100 yen you spend shopping, etc. during the month (or for every US dollar in the case of the Citibank Dollar Card). *The following items are not eligible for points: annual membership fees, revolving payments, installment payment fees, or finance-related items such as cash advance, card loan, or installment loan. *Points earned by family member will be applied to the principal member s balance. *The Citi Rewards Program does not apply to the Citi Cash Back Card, Delta Skymiles Citi / Citibank Platinum VISA Card, Delta SkyMiles Citi / Citibank Gold Visa Card. Citi / Citibank Platinum Card Citi / Citibank Gold Card Citi Rewards World Card Citibank Dollar Card Normal shopping *1 Revolving shopping *2 100yen=4 Points 100yen=3 Points 100yen=3 Points 100yen=2 Points 100yen=2 Points *3 100yen=5 Points 100yen=4 Points 100yen=4 Points 100yen=3 Points 100yen=3 Points 1 US dollar=1points *1: Normal shopping covers one lump-sum payment, payment in two installments, one lump-sum payment at bonus time, and payment in installments. *2: Spending switched to revolving payment using Switch to revolving payment and ETC Card spending when registered for All revolving will earn points at the same rate as normal shopping. *3: From November 16th, 2013, receive 2 points for every 100 yen in card spending, regardless of the day of the week or whether you are in Japan or abroad. Plus, receive 3 points for every 100 yen you spend on weekends in Japan until November 17th, Note that the rate will change to 2 points for every 100 yen spent after November 18th, [Notes on the Bonus points for weekend spending in Japan ( only)] Weekend shopping within Japan (not including revolving payment) will earn one additional bonus point per 100 yen spent. When added to the two points per 100 yen for normal shopping, this gives you a total of three points per 100 yen of card spending. Days of the week and aggregation periods are based on the card usage information (usage dates) sent to us by our service establishment. Note that the circumstances of some service establishments may result in the date shown on the card usage slip being different to that on which you actually used the card. Different point multipliers apply for holidays depending on the day of the week on which they fall. Note that depending on the service establishment, purchases made in Japan can sometimes be treated as overseas purchases. Please note that in this case, the purchase will not be eligible for bonus points. These bonus points apply to card spending for which the card usage slip has arrived by November 17th, 2015 and that will be deducted from your account by December Note that bonus points do not apply to payments in two installments, payment in installments, one lump-sum payment at bonus time, or to spending deducted in January 2016 or later. How to redeem points Step 1 Check your point balance Step2 Select your desired reward Step3 Order Check your usable points on Citi Cards Online or on your monthly billing statement. Use the Citi Rewards Program website to redeem your points for rewards. Redeem points via the Citi Rewards Program website, or by telephone using the Interactive Voice Response systems. *Only the principal member can redeem Citi Rewards Points *Once made, orders cannot be cancelled. Also note that depending on stock status, the shipping of certain popular products may take some time. *The rewards that you can select will vary depending on the card you have. We appreciate your understanding. Easily search for and order more than 300 different rewards Find rewards that fit your lifestyle by choosing from more than 300 different items from categories like travel, dining, gift cards and more. Searching by point value or category is simple, allowing you to quickly redeem your points. Point + Pay Combined Card Service If you don t have enough points for the reward you want, you can pay the remainder with your credit card. This service was created with the needs of our customers. *The Point + PayCombined Card Service is managed and operated by our affiliate Pinpoint pty Ltd. *The service is not available for Citibank Dollar Card Members. Limited Time Offers and Limited Edition Items We always have limited rewards that can only be ordered via our website. Use Points to Purchase H.I.S. Overseas Package Tours Now you can use points to purchase overseas package tours and search for the package tour you want right on our website. If you don t have enough points, use the Point + Pay Combined Card Service to pay the remainder with your credit card. *The service is not available for Citibank Dollar Card Members. Visit the Citi Rewards Program website (Japanese only). Please see here 8

9 Bonus Rewards Program Only applies to the following Cards: Citi /Citibank Platinum Card, Citi /Citibank Gold Card, Citi Rewards World Card,, Earn bonus points according to your annual spending Bonus points are awarded in the month following the month in which the next year s annual fees are deducted. Citi / Citibank Platinum Card Citi / Citibank Gold Card Citi Rewards World Card Yearly usage of 500,000 yen or more: Provision of 2,500 Points Yearly usage of 1 million yen or more: Provision of 6,000 Points Yearly usage of 1.5 million yen or more: Provision of 10,000 Points Yearly usage of 500,000 yen or more: Provision of 2,500 Points Yearly usage of 1 million yen or more: Provision of 6,000 Points Yearly usage of 500,000 yen or more: Provision of 2,500 Points Yearly usage of 1 million yen or more: Provision of 6,000 Points Yearly usage of 500,000yen or more: Provision of 2,500 Points Yearly usage of 500,000yen or more: Provision of 2,500 Points [Notes on the Bonus Rewards Program] To qualify for the Bonus Rewards Program, your annual spending for the calculation period must reach the minimum amount stipulated for this program, and you must pay the annual fees for the following year. If you withdraw from your card program or switch to another type of card, you forfeit any unredeemed bonus points as of the date of withdrawal or switching. Your annual spending total does not include spending from other cards, or prior to switching to your current card type. Your annual spending total is the total amount spent during the calculation period, and only includes purchases for which the card usage slip is received by us during the calculation period. Note that, depending on when the card usage slip arrives, it is possible that a purchase may not be included in the year s total, even though the actual card usage date was within the calculation period. Calculation and awarding of Bonus Rewards Program points is separate from normal points. If you have Bonus Rewards Program points, you can confirm their points on the monthly billing statement delivered in the month after the month in which your annual fees are deducted. This program may be discontinued or changed at any time without advance notice to members. Note that no points will be awarded after the program is discontinued in this case. Bonus Rewards Program Calculation Period Enrollment Month January February March April May June July August September October November December Annual Card Spending Calculation Period From March payment date to February payment date of the following year. From April payment date to March payment date of the following year. From May payment date to April payment date of the following year. From June payment date to May payment date of the following year. From July payment date to June payment date of the following year. From August payment date to July payment date of the following year. From September payment date to August payment date of the following year. From October payment date to September payment date of the following year. From November payment date to October payment date of the following year. From December payment date to November payment date of the following year. From January payment date of the following year to December payment date of the following year. From February payment date of the following year to January payment date of the year after that. *For customers whom have enrolled before November 15th, 2013, the calculation for Bonus Rewards Program starts on November 16th, 2013 regardless of your enrollment month. *For customers whom have enrolled after November 16th, 2013, the calculation for Bonus Rewards Program starts from the date of enrollment stated on your card carrier regardless of the chart above. *Only for Citi Rewards World Card member: Annual Renewal Bonus Points that was applied until November 15th 2013 calculation period, spending total will be carried over to the Bonus Rewards Program. 9

10 Citi Cash Back Program This program applies only to the Citi Cash Back Card. A program that allows you to easily get cash back. Cash back rate of up to 3%* Your cash back rate will vary depending on how much you spend each month. For example, get 100 yen cash back for spending 40,000 yen Monthly Usage Amount 0.25 Under 50,000 yen Monthly spending of 200,000 yen or more 1.5 Monthly cash back For example, get 1,500 yen cash back for spending 150,000 yen 1.0 Between 50,000 yen and 200,000 yen For example, get 3,000 yen cash back for spending 200,000 yen ,000 yen or more Total annual spending of 500,000 yen or more 0.25 Plus Cash back rate of up to 3%* *The maximum cash back per year is 30,000 yen. Annual cash back Annual Bonus Cash Back Total annual spending of at least 500,000 yen 0.25 Annual Revolving (Shopping) Bonus Cash Back Total annual revolving payment spending 1.25 Annual revolving payment amount 1.25 Automatic Cash Back There s no need to apply to get cash back get it automatically the month after you make your payment. All card usage (shopping) qualifies for cash back. Cash back is awarded in 1-yen increments as long as the total amount is 1,000 yen or more. If the total is less than 1,000 yen, it will be carried over to the following month. Example of annual bonus cash back Bonus cash back is calculated separately from normal cash back. Enrollment Month December January February March April May June July August September October November Card Spending Calculation Period 12/18 to 12/17 of the following year 1/18 to 1/17 of the following year 2/18 to 2/17 of the following year 3/18 to 3/17 of the following year 4/18 to 4/17 of the following year 5/18 to 5/17 of the following year 6/18 to 6/17 of the following year 7/18 to 7/17 of the following year 8/18 to 8/17 of the following year 9/18 to 9/17 of the following year 10/18 to 10/17 of the following year 11/18 to 11/17 of the following year <Table A> Month of Annual Bonus Cash Back January February March April May June July August September October November December For your first year, calculation will start on the join date included with your card, regardless of the calculation period shown above. For example, if you joined on January 1, 2012: Your card spending calculation for your first year January 1, 2012 January 17, 2013 Your card spending calculation for your second year January 18, 2013 January 17, 2014 <Caution> *Please note that you may not use your Citi Cash Back Card to pay insurance premiums. [Notes on the Cash Back Program] *Cash back rate varies depending on the total card usage for each month. *Only card usage slips (usage data) that we receive before the deadline each month are eligible. In some cases, the arrival of card usage slips (usage data) may be delayed. *Family member spending will be added to the principal member s spending total. *Cash back for monthly card usage will be automatically awarded in the month after the deduction of the balance from your account, provided that you have earned at least 1,000 yen. If you have earned less than 1,000 yen, the amount will be carried over to the following month until the total reaches at least 1,000 yen. *Any amounts equaling less than 1 yen after the cash back amount has been calculated will be rounded down. *The terms monthly and annual as used here do not refer to calendar months or years, but instead are based on card usage closing dates. *For one lump-sum payments and revolving payment, the amount spent is used to calculate cash back. *For payment in two installments or one lump-sum payment at bonus time, the amount at the time of invoicing is used to calculate cash back. For payment in installments, the amount paid minus any payment in installments fees is used to calculate cash back. *Only shopping-related card usage is eligible for cash back. The following items are not eligible for cash back: annual membership fees, revolving payment, fees for payments in installments, or finance-related items such as cash advance, card loan, or installment loan. In addition, negative transactions, including refunds due to product returns or tax refunds (including value-added tax) are not eligible for points. *If you use Switch to Revolving to change from a one lump-sum payment to revolving payment, you will be awarded cash back for the one lump-sum amount, but will not receive points for the revolving payment amount. *Early repayment in whole or in part of a balance that qualifies for cash back will make it not eligible for cash back. *Annual cash back is limited to a maximum of 30,000 yen, including annual bonus cash back. The accumulated cash back amount resets annually. If the cash back amount exceeds 30,000 yen, cash back will not be made thereafter. *If you withdraw from Citi Cash Back Card or switch to another type of card, you forfeit any unawarded cash back as of the withdrawal/switching date. *Anyone determined to be using this program wrongfully may be required to return any cash back that they have been awarded. [Notes on the Bonus Cash Back] *Bonus cash back is calculated separately from normal cash back and is awarded as Table A. *Annual bonus cash back is only awarded if the cash-back-eligible usage amount for the Annual calculation period (determined by the month shown in Table A) totals 500,000 yen or more. *Annual revolving payment bonus cash back is awarded based on the annual revolving payment amount for the annual calculation period (determined by the month shown in Table A). Also note that Switch to Revolving usage is not eligible for annual revolving payment bonus cash back. Insurance Services Citi Assist Overseas Travel Insurance This English version of the Announcement shall be for reference purpose only. The Japanese version shall prevail in case of any inconsistency. Insurable cases Delta SkyMiles Citi/Citibank Platinum VISA Card You are insured as far as you depart from Japan while your membership is valid regardless of whether you have paid with Delta SkyMiles Citi/Citibank Platinum VISA Card. *Conditions of use partially change. Citi/Citibank Platinum Card Citi/Citibank Gold Card Delta SkyMiles Citi/Citibank Gold VISA Card Citi Rewards World Card Citibank Dollar Card 3 Person Insured Delta SkyMiles Citi/Citibank Platinum VISA Card Citi/Citibank Platinum Card Citi/Citibank Gold Card Delta SkyMiles Citi/Citibank Gold VISA Card Citi Rewards World Card Citibank Dollar Card The coverage is applicable only when you have paid public transportation 1 or a package tour 2 with Citi Cards in advance. The principal member and family member. Your non-card holding family member falling into either of the following categories is insured (family rider) Spouse of the card member, family members who are sharing living expenses or unmarried child who is living separately but sharing living expenses with the card member. Family rider covers up to 10 million yen as death / residual disability benefit. The other coverage is the same as the ones for the principal member. The principal member and family member 1 Public transportation fees: fees and fares for using public transportation operated by applicable organizations based on the Aviation Law, the Railroad Business Law, the Maritime Transport Law, the Road Transport Law, such as airplanes, trains, ships, buses, and taxis (only used during the trip). The following fees are Exception Fees related to privately owned cars etc. high-way toll, airport parking fee, airport fee, air ticket issuing fee, car rental fee, airplane charter fee, private shuttle bus operated by multiple hotels as part of their service, fee for limousine hires based on a blanket contract for a certain period, re-fill of e-money etc. 2 Package Tour: A tour mapped out by a travel agency who determines a travel destination, schedule, and fees of transportation/accommodation that are provided for a traveler including its cost that should be paid by a traveler to a travel agency, all of which are planned and advertised in advance, as stipulated in Paragraph 1 of Article 2 of the Section on Package Tour for Subscription per the Standard Tour Agreement based on Article 12-3 of the Travel Agency Law 3 If you have Citibank Dollar Card, the coverage is effective only when you have paid public transportation fees at your destination. 10

11 Insured period Delta SkyMiles Citi/Citibank Platinum VISA Card Traveling period up to 3 months after departing from Japan Citi/Citibank Platinum Card When you make the payment before starting the trip, the period starts from the time you leave your home for the overseas travel. On the other hand, when the payment is made after leaving home, the period starts at the time the payment is made. In either case, the coverage period will end at 12PM (24o'clock) of the next day of the entry to Japan, but up to 3 months from the date of leaving Japan. (If you make thepayment after leaving Japan, the coverage period will end 3 months after the payment.) Citi/Citibank Gold Card Delta SkyMiles Citi/Citibank Gold VISA Card Citi Rewards World Card Citibank Dollar Card When you make the payment before starting the trip, theperiod starts from the time you leave your home for the overseas travel. On the other hand, when the payment is madeafter leaving home, the period starts at the time thepayment is made. In either case, the coverage period will end at 12PM (24o'clock) of the next day of the entry to Japan, but up to 2 months from the date of leaving Japan. (If you make the payment after leaving Japan, the coverage period will end 2 months after the payment.) Coverage Injury Death Residual Disability Injury / Sickness Medical Expenses (per accident) Personal Liability (per accident) Baggage (per accident, per travel, per year) Rescuer's Cost (per year) Delta SkyMiles Citi/ Citibank Platinum VISA Card Up to 100 million yen (including the followings). Automatic addition: 50 million yen. Conditions of use: 50 million yen Up to 100 million yen (including the followings). Automatic addition: up to 50 million yen. Conditions of use: up to 50 million yen Up to 5 million yen Up to 50 million yen Up to 1 million yen Up to 5 million yen Citi/Citibank Platinum Card 100 million yen Up to 100 million yen Citi/Citibank Gold Card Delta SkyMiles Citi/ Citibank Gold VISA Card Citi Rewards World Card Citibank Dollar Card 70 million yen Up to 70 million yen Up to 2 million yen Up to 30 million yen Up to 300,000 yen 1 Up to 1 million yen 30 million yen Up to 30 million yen Up to 1.5 million yen - Up to 300,000 yen 1 Up to 500,000 yen *The service is not available for Citi Cash Back Card members *Your legal heir is the beneficiary in case of death. In other cases, you are the beneficiary on the insurance plan. 1 Deductible 3,000 yen per accident Citi Assist Domestic Travel Accident Insurance Insurable cases Regardless of whether you paid with Citi Cards or not, the event falling into the either of the following categories is insured: *Conditions of use partially change. Delta SkyMiles Citi/Citibank Platinum VISA Card Citi/Citibank Platinum Card Citi/Citibank Gold Card Delta SkyMiles Citi/Citibank Gold VISA Card Citi Rewards World Card Attributed to injury due to accident while traveling on the public transportation Attributed to injury due to fire, blowout, explosion while staying at accommodation Attributed to injury due to accident while participating in the prearranged tour accompanying accommodation Attributed to injury due to accident while traveling on the public transportation which has been paid with your Citi/Citibank Platinum Card in advance Attributed to injury due to fire, blowout, explosion while staying at accommodation which has been paid with your Citi/Citibank Platinum Card in advance Attributed to injury due to accident while participating in the prearranged tour accompanying accommodation which has been paid with your Citi/Citibank Platinum Card in advance Attributed to injury due to accident while traveling on the public transportation which has been paid with Citi Cards in advance Attributed to injury due to fire, blowout, explosion while staying at accommodation which has been paid with Citi Cards in advance Attributed to injury due to accident while participating in the prearranged tour accompanying accommodation which has been paid with Citi Cards in advance Death within 180 days from the date of accident Residual disabilities caused within 180 days from the date of accident Hospitalization as per doctor s instruction Hospitalization and specific surgery for treatment of the injury Outpatient visit for medical treatment Death within 180 days from the date of accident. Residual disabilities caused within 180 days from the date of accident Hospitalization as per doctor s instruction Hospitalization and specific surgery for treatment of the injury Outpatient visit for medical treatment Death within 180 days from the date of accident Residual disabilities caused within 180 days from the date of accident 11

12 Person Insured: Delta SkyMiles Citi/Citibank Platinum VISA Card Citi/Citibank Platinum Card The principal member and its family member. Your non-card holding family member falling into either of the following categories is insured (family rider) Spouse of the card memberfamily members who are sharing living expenses orspouse of the card member or a child of less than 23 years old living with the card member or his/her spouse (family rider). Family rider covers up to 10 million yen as death/residual disability benefit. The other coverage is the same as the ones for the card member. Citi/Citibank Gold Card Delta SkyMiles Citi/Citibank Gold VISA Card Citi Rewards World Card The principal member and family member. Spouse of the principal member or a child of less than 23 years old living with the principal member or his/her spouse (family rider) Family rider covers 10 million yen as death / residual disability benefit. Coverage Daily hospitalization Injury Death Residual Disability benefit 1 Surgery benefit 2 Daily outpatient visit benefit 3 Delta SkyMiles Citi/ Citibank Platinum VISA Card Up to 100 million yen (including the followings). Automatic addition: up to 50 million yen. Conditions of use: up to 50 million yen Up to 100 million yen (including the followings). Automatic addition: up to 50 million yen. Conditions of use: up to 50 million yen Predetermined multiplier 5,000 yen (10 times, 20 times, 40 times) 3,000 yen X Daily hospitalization benefit Citi/Citibank Platinum Card 100 million yen Up to 100 million yen Citi / Citibank Gold Card Delta SkyMiles Citi / Citibank Gold VISA Card Citi Rewards World Card 70 million yen Up to 70 million yen million yen Up to 30 million yen *The service is not available for Citibank Dollar Card and Citi Cash Back Card members. *Your legal heir is the beneficiary in case of death. In other cases, you are the beneficiary on the insurance plan. 1 The insurance benefit covers from day one if the insured remain hospitalized seven days after the accident (for 180 days at maximum provided that the hospitalization falls within 180 days from the date of accident) 2 The benefit is payable only to one surgery for one accident. 3 The insurance benefit covers from day one if the insured continues outpatient visit seven days after the occurrence of the accident (for 90 days at maximum provided that outpatient visit falls within 180 days from the date of accident) Buyer s Protection Citi Cards offers compensation for damaged or stolen products, which you have paid for with Citi Cards. You do not have to complete any procedures in advance, or pay any premiums. This service covers item purchased in Japan or overseas, and even gifts. Family members are also eligible for the same compensation. Person Insured: The principal member, family member or those who received the product as a gift from these card members. Period Covered: The insurance covers damage to the purchase by Citi Cards caused by breakage, theft, fire etc within 90 days from the date of purchase (date of arrival if the item should be delivered) Items Covered: Items purchased in Japan and overseas (only overseas for Citibank Dollar Card) Delta SkyMiles Citi/Citibank Platinum VISA Card Citi/Citibank Platinum Card Citi/Citibank Gold Card Delta SkyMiles Citi/Citibank Gold VISA Card Citi Rewards World Card Citibank Dollar Card Maximum Compensation (per year) 5 million yen Deductible (per accident) 10,000 yen 2 million yen Citi Cash Back Card 500,000 yen *The amount of paid as compensation is computed by deducting 10,000 yen from the amount paid with your Citi Cards (or the cost of repair if the item can be repaired). *A copy of the receipt issued at the time of the purchase of the item with your Citi Cards is required when you submit a compensation request. *Damage to goods incurred while in transit is not covered Where to call for coverage/details (24 hours a day, 365 days a year) Please contact Citi Cards Call Center If you are calling from a mobile phone... If you are calling from overseas... For Citi VISA Platinum Card member, If you are calling from a mobile phone (not toll free) If you are calling from overseas (not toll free) (not toll free) (not toll free) Where to call after accident (24 hours a day, 365 days a year) Please contact Tokio Marine Nichido Fire Accident Desk Toll From Overseas (For Citi Assist Overseas Travel Insurance) Tokio Marine Nichido Overseas General Support Desk (Tokyo) collect call *Please be reminded that when accepting an accident report call we cannot tell if the insurance will be paid. *Please contact us within 30 days from the date of occurrence of the accident. We will advise necessary documents for your claim. *Please be reminded that their services are available in Japanese only. *Please have your credit card number and Telephone PIN ready. *The above is the summary of the coverage and details of the insurability of each claim shall be based on the terms and conditions of the general insurance policy and the rider. 12

13 Cancel Protection Pay for a trip, concert or other event with your Citi VISA Platinum Card / Citi Rewards World Card and receive compensation if the event is cancelled for one of the reasons below. *This service only applies to the Citi VISA Platinum Card and Citi Rewards World Card. Compensation Reason for Cancellation The death of the principal member, the principal member s spouse, or a first-degree relative of the principal member Hostpitalization due to Illness or injury of the principal member, the principal member s spouse, or a first-degree relative of the principal member Injury requiring outpatient treatment of the principal member, the principal member s spouse, or the principal member s child Period of Service Provision and Responsibility for (Compensation will be paid for services that are started during the following time periods, provided that a cancellation fee must be paid.) 31 days from the day of death, including that day. However, in the case of the death of the principal member, it is not limited to this. 31 days from the day of hospitalization, including that day. 7 days from the start of outpatient care, including that day. Citi VISA Platinum Card Citi Reward World Card Compensation Limits (*1) (Per year) 200,000 yen 60,000 yen 100,000 yen 30,000 yen *1: However, the total compensation provided for reasons 1-3 above during a single year shall not exceed 200,000 yen for Citi VISA Platinum Card 100,000 yen for Citi Reward World Card. *Deductible (per incident): 1,000 yen or 10% of the cancellation fee, whichever is higher. If any compensation from a third party is given for the cancellation fee, that amount will be deducted from the amount of damages suffered by a Member. *The recipient of the compensation is a Member (principal member or family member). Events and Services Eligible for Compensation Services based on travel reservations in Japan or international travel reservations Provision of lodging at inns, hotels or other facilities, and any incidental services Transportation of travelers via airplane, ship, train, automobile, etc. Provision of facilities for banquets or parties, and any incidental services Teaching or instruction in exercise or cultural activities (including attendance thereof) or the provision of a facility for the same Performance, screening, exhibition or showing of a play, musical performance, artwork, film, etc. *Compensation cannot be provided if an eligible event or service is related to the performance of a Member s job. *The above is the summary of the coverage and details of the insurability of each claim shall be based on the terms and conditions of the general insurance policy and the rider. Cancellation Fee Limits Eligible cancellation fees are limited to costs related to the provision of a service to the card member. However, the principal member is unable to receive the service and the principal member s spouse and/or children are also unable to receive the service, the costs for providing the service to the spouse and/or children will be included. For more details, please see the Citi Cards official website or check the Insurance Service Usage Guide(Japanese only). Reception desk for cancel protection inquiries or to report an accident <Hours of Operation> Inquiries about coverage: 24 hours a day, 365 days a year To report an accident: 10:00 am to 5:00 pm weekdays, closed weekends and holidays Please contact Citi Cards Call Center If you are calling from a mobile phone... If you are calling from overseas... For Citi VISA Platinum Card member, If you are calling from a mobile phone (not toll free) If you are calling from overseas (not toll free) (not toll free) (not toll free) *Be sure to have your card number and T-PIN ready when calling. *Please note that questions about whether or not it will be possible to pay compensation cannot be answered by the accident reception desk. Financial Services Cash Advance & Card Loan Cash advance: Make one principal payment and two interest payments, making it convenient for short-term borrowing. Card loan: Revolving payment within your total credit line. Use it responsible when you need a large amount of money at once. Use in Japan Use your card at ATMs located at affiliated financial institutions, Japan Post Bank locations, major department stores, shopping centers, supermarkets, and convenience stores, or apply Citi Cards online or over the phone. Funds will be transferred to your Citi Cards payment account. Online/phone usage times and date of transfer Application Time Weekdays from 12:00 am to 5:59 pm Weekdays from 6:00 pm to 11:59 pm, and during weekends and holidays Applying online Transfer Date Next business day Two business days later Sign on > Cashing & Loan > Follow the prompts to apply On the Citi Cards official website you can simulate your monthly payment amount and number of payments. *Simulation results are for reference purposes only. Actual repayment dates may differ due to holidays, etc., so please use it only as a guide. Applying by telephone Interactive Voice Response System : *Be sure to have your card number and T-PIN ready when calling. *Only the principal member can apply by phone or online. Family member cannot apply. Also note that this service cannot be used if your card payment account is a Japan Post Bank account or a securities account. *If you apply by phone or online, you cannot use cash advance or card loan via an ATM until the deposit is complete. Using your card at an affiliated ATM It s easy to use your card at an affiliated financial institution s ATM. To get a cash advance, press the Cash advance button. To use a card loan, press a button labeled Card loan Installment or Revolving. * When using a CD/ATM terminal, Card Members shall incur the applicable handling charge specified by CCJ, which shall not exceed the maximum rate as defined in Article 2 of the Interest Rate Restriction Act Enforcement Ordinance. *Depending on the day of the week, time of day, type of ATM and type of store, there may be additional fees such as an after-hours fee, it may not be possible to perform a transaction, or there may be limits to the amount that can be withdrawn (Citibank ATMs can only be used for cash advance). * ATMs at certain financial institutions may not offer cash advance and card loan, or may only offer one or the other. *Convenience store ATMs may not be available in all regions or in all stores. * Please be reminded that Seven Bank temporarily suspended ATM service of some overseas issued cards (Master Card, Maestro Cirrus) effective on April Use overseas (Cash Advance Only) Use at an affiliated ATM with one of the following logos. Visa card member MasterCard member Present your card and passport at the teller window at Citibank locations, affiliated financial institutions, and Visa or MasterCard-affiliated financial institutions throughout the US. 13

14 Terms of use Loan Increase Rate (Actual Annual Rate) Total credit line for cash advance and card loan Plan Repayment Period/Number of s Delinquency Charge (Actual Annual Rate) Collateral/Guarantor Cash Advance Card Loan 15.0% ~ 20.0% 15.0% ~ 18.0% (not exceeding the limit (not exceeding the limit of interest prescribed of interest prescribed under the Interest Rate Restriction Law) under the Interest Rate Restriction Law) Amount, not exceeding 3,000,000 yen as examined and determinated by CCJ Principal payable in one lump-sum and interest payable in two installments days (Depending on the calendar year)/ 2 payments Fixed Amount Plan (Fixed amount of principal payment, or fixed amount of principal payment concurrent with payment at bonus time) Variable amount plan (Amount of principal depends on balance) The payment period and number of payments vary depending on the Loan Balance and type of payment until the principal and interest are fully paid. Fixed amount of principal: Amount of Loan: 100,000 Fixed amount of monthly principal payment: 20,000 Six payments over 6 months period Fixed amount of principal concurrent with payment at bonus time: Amount of Loan: 500,000 Fixed amount of monthly principal payment: 20,000 Additional principal payment at bonus time: 10, payments over 24 months period Variable amount of principal depending on the Loan Balance: Amount of Loan: 50, payments over 35 months (amount of principal depends on balance) Annual rate of 14.6 Not required *Cash advance and card loan use the same credit Line. Family member can use cash advance and card loan within the principal member s credit Line. *Cash advance/card loan credit Line are set based on the requirements of the Money Lending Business Law, but may require the submission of documents proving income, etc. You can check your cash advance/card loan credit Line on the documentation that was sent to you when you card was issued, or on your monthly card billing statement. *Use must be in 10,000-yen increments. Increments for cash advance made overseas will depend on the local ATM or financial institution. *See the Terms and Conditions for monthly payment amounts for the Variable Amount Plan. *If you select the Fixed Amount Course, you cannot switch to the Variable Amount Plan. We advise members who have selected the Variable Amount Plan switch to a Fixed Amount Plan that will reduce the number of payments. *Cash advance, card loan, telephone cash advance or card loan, or online cash advance or card loan are not available for Citibank Dollar Card Members. Installment Loan Relaxed, unsecured loans created especially for Citi Cards members Citi/Citibank Gold Card Multipurpose Loan Actual Annual Rate of 8.1% Citi Rewards World Card Education Loan Actual Annual Rate of 6.6% Citi Cash Back Card Multipurpose Loan Education Loan *This service is not available for Citibank Dollar Card Members. *See the Citi Cards Japan official website for details. Actual Annual Rate of 9.9% Actual Annual Rate of 8.1% Citi Cards Japan, Inc., Kanto Local Finance Bureau (4) No Japan Financial Services Association Member No Please contact the following for dispute resolution in relation to money lending businesses (the designated organization for dispute resolution with which CCJ contracts.)japan Financial Services Association, Money Lending Business Consultation and Dispute Resolution Center Takanawa, Minato-ku, Tokyo, Japan Tel: How to Use Your Card First Sign the Back of Your Card Please check if all the information on your card is correct, and sign the back of your card. *Please note that you shall be liable for fraud usage of the card if your signature was not on the back of the card. *The magnetic stripe on the card contains necessary information. Do not place your card near televisions or other strongly magnetized objects. A Member must sign the card here. Magnetic tape that stores card information Be careful not to bend your card or expose it to magnetic fields. The back of the card must be signed. Cards that are not signed by its Member cannot be used. Only its Member may use the card. How to Use Your Card at Merchants Your card can be used at Visa/MasterCard merchants in Japan and overseas. *Citibank Dollar Card cannot be used at merchants in Japan. Japan Consumer Credit Association Storing/managing Your Card Always exercise the utmost care when using and managing your credit card. Annual membership fees <Important> The annual membership fee already paid shall not be refunded in principle on the ground of withdrawal or cancellation of the Membership or for any other reasons whatsoever. Domestic Merchants To pay, present your card at the Visa/MasterCard merchants. You will be given a slip that shows the usage date and amount, so check its contents and sign it using the same signature you used on your card. You will then be given a receipt. Please store the receipt in a safe place. *In some cases, such as when using JR ticket vending machines, you may be required to enter a PIN to verify your identity. E-commerce Merchants When making a purchase via E-commerce Merchants, carefully check the purchase amount, shipping, etc. before using the method specified by the merchants to complete your purchase. Be sure to enter the correct expiration date Carefully check your card and enter the correct expiration date. Your expiration date will change each time you are issued a new card. If you have stored your card information on a website, you should periodically check to make sure that the stored expiration date is the current one. *Pay attention the month and year of the expiration date. *If you do not enter the expiration date or you enter an incorrect date, the credit card company may not approve your purchase. In some cases, the security code will also be required. When using your card to make purchases online or at E-commerce Merchants, you may be required to supply a security code in addition to your card number and expiration date. What is a security code? The security code is printed on the signature panel on the back of your card. The last three digits of the number printed in the signature panel is your security code. *If your card number or expiration date changes when updating or reissuing your card, your security code will also change. *Overseas merchants may refer to the security code as the CVC, CVV, CVV2, or card verification number. *Merchants that require a security code will send the code to the credit card company when requesting a purchase authorization. If you do not enter the security code or enter an incorrect code, the credit card company may not approve your purchase. Overseas Merchants While the basic concept is the same as when using your credit card in Japan, please note that in some cases the amount charged may be different from the amount on your receipt, such as if you consume items from the refrigerator in your hotel room or if you fail to fill up the gas tank when returning a rental car. *Note that gambling and the purchase of lottery tickets overseas is prohibited by law, and people doing so may be punished. *At merchants in some EC and Asian countries where IC card terminals are common, you may be asked for a PIN to authenticate an IC card purchase. However, the cards issued by Citi Cards Japan use magnetic stripes rather than IC chips, so it is not necessary to enter a PIN. Also note that a terminal that is compatible with magnetic cards is required to make a purchase with a Citi Cards Japan credit card. 14

15 Additional fees (surcharges) In some countries, merchants are allowed to add an additional fee (a surcharge) to people paying by credit card. When making a purchase in one of these countries, please check whether there are any surcharges before signing. Note that after you have signed, we are unable to refund any surcharges. Charges in Japanese yen at overseas merchants In some cases when shopping overseas, an amount in Japanese yen calculated using the merchant s own rate will be included on your receipt in addition to the amount in the local currency. When this occurs, if you do not tell the merchants that you do not want to pay in yen, the charge data will be sent from the merchants to the Visa/MasterCard payment center in yen, and currency conversion will not occur at the payment center. INFORMATION Authorization From Merchants When using your card at a merchants, depending on the purchase amount and the conditions when using your card (such if you have exceeded your credit Line), the merchants may request an authorization from the credit card company, who will then tell the merchants whether the card can be used or not. Yen Conversion for Overseas Spending Overseas credit card spending does not use the conversion rate from the day that the card was used. Instead, when the data arrives from the affiliated international organization to the payment center, it will be converted to yen using the rate specified by the affiliated international organization, plus a processing fee of 2.0% to 2.5% (overseas cash advance do not include a processing fee). *Citi Cash Back Card: 2.5%*Other cards: 2.0% *When using the Citibank Dollar Card to make purchases in currencies other than the US dollar, the purchase amount will be converted to the US dollar with an added processing fee of 1.63%. Closing Date and Date Closing date This is the deadline for sales data from merchants to arrive at Citi Cards Japan. *The closing date is the 17th of each month (or the closest preceding business day if the 17th falls on a weekend or holiday). date The payment date is the date by which a Member must pay their outstanding balance of use. If the closing date falls on the 17th of the month, the payment date will be the 10th of the following month (depending on the financial institution, this may be the 8th). If the payment date is not a business day for financial institutions, the next business day will become the payment date. The closing date and payment date cannot be specified or changed by a Member. *You can check your closing date and payment date on the Citi Card carrier sent with your card or on your monthly billing statement. *Please note that depending on your financial institution, another name may be used on your monthly billing statement, such as Mitsui Sumitomo Card or Cedyna. *If your monthly billing statement cannot be paid due to insufficient funds in your payment account, you may be temporarily unable to use your card. *Please note that charges may be delayed due to factors related to merchants processing of card usage slips. *If your payment account is a securities account, the closing date will be the 17th of each month. Total Credit Line Each member has a credit Line, which includes spending from any family member. Your total unpaid card spending must be within your credit Line. If you have multiple Citi Cards credit cards, your card usage for all of them will be added together (with some exceptions, such as the Citibank Commercial Card). In addition, all card usage for the payment in two installments, One lump-sum payment at bonus time, revolving payment (including Switch to Revolving ), and payment in installments payment methods must be within your revolving shopping credit line. Requesting a Credit Line Increase Applying Online Sign on > Account Settings / Check > Credit Line - Permanent Credit Limit Increase Applying by Telephone Interractive Voice Response System : If calling from a mobile phone call *Be sure to have your card number and T-PIN ready when calling. *Please note that depending on the results of the review, it may not be possible to accommodate your request. Method of One lump-sum payment This is the normal payment method, and will be used if you do not specify another method when using your card at a merchants. in two installments* The purchase amount will be divided in two, and you will pay one half the month after the closing date and the other half the month after that. One lump-sum payment at bonus time* With this method, you pay the entire amount at your bonus time. Summer Winter *There is no fee. *May not be usable at all merchants. The usable time period and amount of money varies from store to store, so please ask when making a purchase. *This cannot be used overseas. *Using the payment in two installments and one lump-sum payment at bonus time payment methods requires a revolving shopping credit Line and any spending must be within this Line. *This service is not available for Citibank Dollar Card Members. Revolving Pay in August for purchases made from December 18 to June 17 Pay in January for purchases from July 18 to November 17 With revolving payment, regardless of the amount or number of purchases, your monthly payment will be about the same. Fees are charged based on your balance of revolving payment. Spending must be within your revolving shopping credit line. (1) Who can use it Principal member and family member *Revolving payment is not available for Citibank Dollar Card Members. (2) How to use it You must choose a revolving payment course when you become a Member. Courses All Revolving (*1) Select Revolving (*2) (Type A) Select Revolving (Type B) Merchants in Japan Revolving payment only One lump-sum payment, one lump-sum payment at bonus time, revolving payment, payment in two installments, and payment in installments. One lump-sum payment, one lump-sum payment at bonus time, revolving payment, payment in two installments, and payment in installments. Merchants outside Japan Revolving payment only Revolving payment only One lump-sum payment only *To a Member who does not select one of the above courses at the time of membership application, "Select revolving (Type B)" shall be automatically assigned. *A Member who have selected All Revolving cannot use payment in installments. *1: If you have selected All Revolving your spending must be within your revolving shopping credit line. If you have exceeded your revolving shopping credit line, or if your revolving shopping credit line has been set to 0 yen due to your usage status, credit status or as the result of an investigation during card renewal as mandated by the Installment Credit Sales Law, you cannot use your card for All Revolving. If you set the Select Revolving payment course Citi Cards online or over the phone, you will be able to use your card starting on the following business day. *2: Due to system-related limitations at overseas merchants and some domestic merchants, card use in Japan may be recognized as overseas use on card use overseas may be recognized as domestic use. If you want to change your payment method, please contact our call center. Using Select Revolving 1. Specify at the store At compatible stores in Japan, you can specify that you want to use revolving payment. 2. Switch to Revolving Even after you have used your card with the one lump-sum payment or one lump-sum payment at bonus time payment options, you can go Citi Cards online or call to switch to revolving payment. 15

16 (3) Plans ( Date) The closing date is the 17th of each month (or if this is a weekend or holiday, the first preceding business day). The payment date is the 10th of the following month (depending on the financial institution, this may be the 8th, if this is a weekend or holiday, the first preceding business day). By this date, the amount of principal payable in each month and fee accured must be paid by direct debit, along with your normal card spending. *You can also make payments at any time separately from your monthly payment on the 10th of each month. You can also make an increased payment at your bonus time. Please contact our call center for details. (4) Principal There are two courses that you can select depending on your needs: a fixed amount plan where you make a set principal payment, and a variable amount plan where of use the principal payment varies depending on your balance of use. Balance of Use as at the Closing Date 50,000 or less 100,000 or less 250,000 or less 350,000 or less 500,000 or less 750,000 or less 1,000,000 or less For every additional 1,000,000 thereafter (6) examples If you spend 60,000 yen with revolving payment (shopping) on June 2: course: Fixed amount plan (Fixed amount of principal), 20,000 yen (fixed) monthly principal payment Revolving payment fee rate (Actual Annual Rate): 15.0%/ date: 10th 6/2 6/5 Spend Sale 60,000 yen received Balance of use Fee Calculation August 10 Verify the information below. 7/10 date 8/10 date 9/10 date First payment Second payment Third payment (principal payment only) 20,673 yen 20,443 yen 20,000 yen 6/17 Closing date 7/17 Closing date 8/17 Closing date 9/17 Closing date Blance of Revolving 60,000 yen Date 6/187/9 Second Fixed amount plan (fixed amount of monthly principal payment) Amount designated by a Member in advance between 10,000 and 50,000 (in units of 10,000) The amount between 20,000 and 50,000 (in units of 10,000), for Members with revolving shopping credit lines exceeding 500,000 Blance of Revolving 60,000 yen Blance of Revolving 40,000 yen 7/10 7/17 Blance of Revolving 40,000 yen Fixed rate plan (fixed rate on principal) 5% of the Balance of Use. (Or 10,000, if the Balance of Use is less than 10,000) (5) Fees Fee Rate (Actual Annual Rate) Citi VISA Platinum Card, Citi/Citibank Gold Card, Citi Rewards World Card ,, Citi Cash Back Card13.2%~18.0% <Important>CCJ may change the Standard Rates on the ground of changes in the financial climate or any other circumstances. After the notification by CCJ to Members of the change of Standard Rates, the new Standard Rates shall apply to the Balance of Use of revolving payments and installment payments, or the Loan Balance of lending under Financial Services (collectively, the "Balance") as at the time of the said notification, which Members accept without objection. Date: Revolving payment spending closes on the closing date each month, after which the fee on the balance of use for the period starting on the business day immediately after the closing date and ending on the following month s closing date is calculated using a daily rate based on 365 days a year (or 366 days for a leap year) and then added to the principal payment, the total of which is due on the next payment date. *There is no fee due for the period between when we receive your usage data and the first closing date. *If the closing date falls on a weekend or holiday, the closing date will become the closest preceding business day. However, fees must be paid for the period up until the day before the next business day after the closing date. Blance of Revolving 20,000 yen 8/10 8/17 7/188/9 (calculation period for second payment fees) (calculation period for third payment fees) Blance of Revolving 20,000 yen 8/189/9 (calculation period for fourth payment fees) Variable Amount Plan (Amount of principal depends on balance) 1,500 2,500 5,000 7,500 10,000 15,000 20,000 Additional 20,000 *For the fixed amount plan and the variable amount plan, if the above stated principal amount is less than 1% of the Balance of Use, 1% of the Balance of Use shall be the principal amount payable. (Example: If the Balance of Use under the fixed payment plan with the monthly principal payment of 20,000 is 3,000,000,the amount of principal payable shall be 30,000 that is 1% of 3,000,000.) *If the principal amount falls below the amount designated by a Member, the principal amount payable shall be the whole of the Balance of Use. *A new use of the fixed rate plan or a switch from any other plan to the fixed rate plan shall not be permitted 10/10 date Fourth payment (fee only) 189 yen Monthly Principal Fee Fee Calculation 6/18 to 7/9 (Principal of 60,000 yen x 20,000 yen 673 yen 15.0% x 22 days 365 days) 7/10 to 7/17 20,673 yen (Principal of 40,000 yen x 15.0% x 8 days 365 days) (7) Switch to Revolving Application Deadline The deadline for applying for Switch to Revolving is the 17th of each month. However, if either A or B below applies to you, applications may be made until the deadlines below. A B Financial Instifutions Citibank Japan Ltd Tokyo Mitsubishi UFJ Bank, Mitsui Sumitomo Bank, Mizuho Bank,Risona Bank,Saitama Risona Bank, Japan Post Bank Company, Shinsei Bank, Bank of Yokohama and Tokyo Star Bank Application Deadline 4 business days before the payment date/before 18:00 8 business days before the payment date/before 18:00 *If the application deadline falls on a weekend or holiday, the application deadline will be the closest preceding business day. *Applications made on or after the closing date (the 17th) will not be reflected in the monthly billing statement issued at the end of the month. Also note that the transaction will be charged as revolving payment starting on the payment date in the month after the next. How to use Switch to Revolving Apply via Citi Cards Online Apply via our Interactive Voice Response system You can use either method to switch eligible card transactions to revolving payment. Use the Revo Number displayed on your monthly billing statement to switch the desired transaction to revolving payment. <Notes on the Revolving > *In some cases you may not be able to use revolving payment, such as if your revolving shopping credit line has changed due to your usage status, credit status or as the result of an investigation during card renewal, as mandated by the Installment Credit Sales Law. *Revolving payment may not be available depending on your card usage status, etc. *Revolving payment cannot be used for cash advance or card loan, interest, monthly revolving payment, annual membership fees, or insurance charges. *Revolving payment may not be used at some merchants such as beauty salons, computer schools, or language schools. *If a revolving payment transaction exceeds your revolving shopping credit line at the time it is processed, the entire amount will become a one lump-sum payment. <Notes on the Using Switch to Revolving > *If the merchants cancels or adjusts the amount of a transaction after it has been switched to revolving payment, or if a transaction that has been canceled or adjusted by merchants is switched to revolving payment, the revolving payment for that transaction will not reflect the cancellation or adjustment. If this applies to you, please contact our call center immediately. *If the usage data for a transaction that is sent from merchants to the credit card company has not yet arrived at Citi Cards Japan, it is not possible to switch it to revolving payment. It can be switched once the usage data has arrived. *Items for which revolving payment cannot be used (cash advance, card loan, insurance charges and annual membership fees) and purchases at certain merchants where revolving payment cannot be used (such as beauty salons, computer schools, and language schools) cannot be switched to revolving payment. To change your revolving payment plan, your principal payment amount, or to switch to the variable amount plan, contact our call center (24 hours a day, 365 days a year) If using a mobile phone call *Be sure to have your card number and T-PIN ready when calling. in installments With this payment method, you can pay in a number of installments you specify, within your revolving shopping credit line. It s a convenient option when making large purchases. To use it, simply mention that you want to pay in installments at merchants. Number of payments Choose from 3, 5, 6, 10, 12, 15, 18, 20, 24, 30 or 36 payments. Fee Fees depend on the number of installments. Please refer to the chart below. Number of Period (months) Actual Annual Rate (%) Amount()of fee per cash price(amount of use)of *In the case of installment payment concurrent with payment at bonus time, the actual annual rate may vary. *Members who select "All Revolving" payment plan shall not be entitled to pay in installments. 16

17 Increased payment at bonus time In addition to your monthly payments, make an increased payment at your bonus time. A bonus time payment months are as follows: January/July January/August February/August Managing Your PIN Each card has two identification numbers set for it: a PIN and T-PIN Terms of use example Purchase of a computer costing 300,000 yen over 10 installments PIN Your PIN is used to when using cash advance or card loan at financial institution or ATMs, when making credit card calls (unless placed through an operator), for automated ticket vending machines, and more. Cash Price (usage amount) Installment fee amount Installment payment (monthly payment) 300,000 yen 18,000 yen (300,000 yen x 6.00 yen 100 yen) 318,000 yen 31,800 yen (318, payments) *Due to rounding, the Actual Annual Rate may be different from the above. *Installment payments round down any amounts under 1 yen, and these are included in the first payment. *Options may differ depending on the merchant. Please check when making a purchase. In addition, paying in installment may not be available at some merchants. *The fee rate (Actual Annual Rate) is subject to change due to financial conditions and other reasons. * in installments is not available for Citibank Dollar Card Members and Members who have selected All Revolving. Safety Tips Always be sure to check your monthly billing statement against the receipts for your purchases. If you notice a charge on your monthly billing statement that you do not recognize, inform our call center immediately. We will promptly investigate the matter. Also be sure to read the Terms and Conditions. It contains important information about using your card, making payments, what to do if your card is lost or stolen, how to reissue a card, registering with and using consumer credit information agencies and more. <Important: Responsibility of the Card User> If CCJ suspects an unauthorized use by a third party or possibility thereof with respect to any Card, CCJ may cancel the Card and issue a replacement. Even if the card or card information is used against the Terms and Conditions, a Member will be responsible for paying for any damages caused. Even in the case of counterfeit cards, if a Member is at fault through either their intention or error, a Member will be liable for paying for any damages caused. <Important> If a Member uses the card after Citi Cards Japan has made a public announcement of changes to the Terms and Conditions, the use of the card signifies acceptance of those changes. T-PIN A T-PIN is required for using our call center s Interactive Voice Response system. *For your protection these numbers are set by Citi Cards Japan and sent to you separately from your credit card. Please note that these numbers cannot be given out over the phone, and neither will anyone from Citi Cards Japan ask for them over the phone. Use care when managing your PINs You shall not set your PIN or T-PIN that could easily detected, such as the date of birth or telephone number. Please note that if a third party should discover your PIN through loss or theft you will be liable for any damages caused by unauthorized use of your card. Changing your PIN or T-PIN Online Interactive Voice Response System (9:00 am to 10:00 pm, 365 days a year) If using a mobile phone call *Be sure to have your card number and T-PIN ready when calling. *You cannot set both your PIN and T-PIN to the same number. In addition, for your safety it is not possible to select the kinds of numbers described below. 1. Your birthday2. The same numbers as in your home or work telephone number 3. Repeated numbers such as 0000 or 9999 *You can also change your PIN and T-PIN using the Citi Cards Online. If you forget your PIN or T-PIN To request your PIN and T-PIN, a Member must call our Call Center and use the Interactive Voice Response System. Once the call center staff has received the request, you will be notified by mail at a later date. Online If Your Card Is Lost Or Stolen If your card should be lost or stolen, promptly contact our call center and report to the police. 1. Promptly contact our call center (open 24 hours a day, 365 days a year) 2. Report it to the nearest police station (or local police station, if outside Japan) 3. After processing, you will be sent a new card Interactive Voice Response System (24 hours a day, 365 days a year) If using a mobile phone call *If you are overseas and wish to receive an emergency card in the country where you are staying, please should indicate this when notifying the call center. *Depending on the card s usage status and the region where you are, it may not be possible to issue an emergency card. *You shall be liable for fraudulent usage of the card if your signature was not on the back of the card. Please be careful to protect your card and your PIN. You are liable for all damages caused by transaction with input of PIN. Contact our call center to report lost or stolen cards <In Japan> (open 24 hours a day, 365 days a year) If calling from a mobile phone call (only for reporting lost or stolen cards) <When placing a collect call with an operator from overseas> (only for reporting lost or stolen cards) 17

18 Options Family Member Supports family member with the same services provided to the principal member. How to Apply Applying Online Sign on > Service Requests > Document request > Follow the instructions to apply Applying by Telephone Call center If using a mobile phone call *Be sure to have your card number and T-PIN ready when calling. e-statement (Online Billing Statement) After your monthly billing statement has been prepared, we will send an to your registered address saying that it is ready for viewing. You can view your monthly billing statement after signing in to Citi Cards Online. 3 Advantages of e-statement Save them all in one place on your computer, making it easier to manage your expenses. Check your monthly billing statement faster than if it were sent by postal mail. Help the environment by going paperless. How to Register *Please note that depending on screening results, it may not be possible to accommodate your request. Citi ETC Card ETC Cards with IC chips help you to use toll roads more smoothly, helping you enjoy life with your car. *An ETC Card and in-vehicle device are required to use ETC. *In-vehicle devices may be purchased at stores such as car accessory shops or car dealerships. *Some types of vehicles may not be compatible with in-vehicle devices, so be sure to ask at your dealer. Citi Cards official website Sign on > Account Settings > e-statement Enrollment *Before registering, you must read and agree to the Terms of Use of e-statement Service found on the Citi Cards official website. Terms and Conditions (at left of the screen) Terms of Use of e-statement Services *Only the principal member may register for e-statement. *Monthly billing statements may still be sent by postal mail if it is deemed necessary. Citi ETC Card: *An ETC Card cannot be added to the Citibank Dollar Card. *A simple screening process is required to issue a Citi ETC Card. *Your Citi ETC Card will arrive approximately 10 days after you apply. However, during time periods such as the Japanese New Year holidays, Golden Week, and the Obon holidays, it may take up to 3 weeks for your card to arrive. *Only one Citi ETC Card may be issued per Citi Cards card. *ETC Card usage will be paid for using your Citi Cards card. After you have applied, your Citi ETC Card will be sent to your registered mailing address. Applying Online Sign on > Service Requests > Campaign Registration > Citi ETC Card Use our Interactive Voice Response System to apply (24 hours a day, 365 days a year) If using a mobile phone call *Be sure to have your card number and T-PIN ready when calling. Registration: Kanto Local Financial Bureau (4) No A member of the Japan Financial Services Association (No ) c Citi Cards Japan, Inc Citi and Arcdesign is a service mark of Citigroup, Inc C