Índice. Introduction. First Steps. Access Channels. Products and Services

Transcription

1 Arrive in Brazil. Feel at home.

2 Índice 1. Introduction 2. First Steps 3. Access Channels 4. Products and Services

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4 Introduction Welcome to a global bank. Welcome to Citibank. Being in a different country can be a very special experience. Especially when you have by your side a bank present in more than 120 countries, acquainted with the most diverse cultures. Considering this, whenever you need, get in touch with Citibank. Our Relationship Managers will be at your disposal to answer your questions, to provide information on your checking account and much more. Moreover, our products and services are going to facilitate your purchases and transactions, bringing even more tranquility to your daily life. In this website, you will get to know the main advantages of being a Citibank Client. Have a nice reading.

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6 First Steps Check which are the first steps to use your checking account. Period What are you going Período to receive What to do after the receipt What to do in case you do not receive it 1 to 3 days after opening your checking account. Your CitiPhone Banking password. You can choose to change the password to one of your choice. Call the CitiPhone Banking using the password you received and request the change. Call the CitiPhone Banking and request a copy. Your Citibank Banking Card password (debit card). Wait the receipt of your Citibank Banking Card in the Welcome Kit. In up to 5 days after opening the checking account. Your Welcome Kit with your Citibank Banking Card and your checkbook. For your security, the Citibank Banking Card and the checkbook are sent blocked. Call the CitiPhone Banking and request to unblock it. To unblock the card you should have it at hand. Call the CitiPhone Banking or your Relationship Manager and request a copy.

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8 Access Channels Get to know the channels where you can ask questions, suggestions and manage your checking account. Everything that can facilitate your life deserves a special attention. Having this in mind, we created the Citibank Access Channels.

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10 Citibank Online Citibank Online is our Internet Banking. Whenever you access the website, you can do your financial transactions in an easy and simple way, without losing time, with all the security and comfort you deserve. You can check balances and statements; make payments and transfers with the receipt sent via ; request loans; register and check Direct Debt; open investment and savings funds, invest, redeem, register to receive your statement via and much more. To register in Citibank Online, access citibank.com.br and follow the instructions bellow: Click in the option Primeiro acesso? Cadastre-se. Read the terms and conditions and confirm your adhesion. Inform your Citibank Banking Card (debit card) number and your password (the code that you use at ATM).

11 You are protected by one of the most modern security resources: the Electronic Code, a password that you receive directly in your mobile, via SMS, to confirm some internet transactions. Special Hours: payments and DOCs [wire transfers] up to 9 p.m. TEDs [wire transfer of more than R$ 2,999.99] Create your user name and your internet password. Register the in which you wish to receive your statement (CitiMail Banking) and define the periodicity and the information content you wish to receive. For security reasons, the first access to your account will be blocked. Please contact CitiPhone Banking and request to unblock it.

12 Citibank Online main services My Relationship Welcoming page with consolidated information of your checking account. Statements and Balances View your statements, resources allocations, future entries and income report. Transfers Make transfers between Citibank accounts and also to other banks. Payments Make or schedule payments of your bills, Detran (SP) services and electronic bills (DDA). Here you can also register your bills as Direct Debit. Loans Simulate and request your CitiCrédito Automático* [Automatic Credit].

13 Investments and Savings Enables to open investment funds and savings, applications, redeems, consultations and much more. Online Services Enables you to change your internet password, to register in several services and to set your preferences. Credit Cards Enables you to check the current invoice or from previous months, to redeem points and bonuses, to change or reissue the credit card password. Statement Register and receive the statement of your checking account via .

14 CitiPhone Banking You can do the main banking operations over the telephone, 24 hours a day, 7 days a week. Just call (if you are in São Paulo or Rio de Janeiro) or (if you are in another location). For English service, select the option 1. To use this service, it is necessary to have at hands the access password to CitiPhone Banking. Citibank Branches The Citibank branches network strategically covers the country. Clique here to check the closest branch to you.

15 ATMs Check bellow the differences between Citibank ATM, Banco24Horas and Interconnected Network; Citibank ATM points all over Brazil. - Available transactions: Withdrawal, Balance and Statement Inquiry, Payment of Bills and Loan Request (CitiCrédito Automático*). Banco24Horas thousand points of service in Brazil. - Available transactions: Withdrawal, Balance and Statement Inquiry, Loan Request (CitiCrédito Automático) and Payment of Utility Bills and Taxes of Municipal Governments associated with Citibank. - It is possible to pay utility consumption bills, taxes with municipal government bar code and bank payment slip up to the payment date. Interconnected network - More than points of service. - Available transactions: Withdrawal and Balance and Statement. Click here to check the Banco24Horas ATMs locations.

16 Products and Services Services and products designed to make your daily life easier. Citibank offers several solutions to make your life easier. Get to know all of them and remember: they are at your disposal whenever you need.

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18 Citibank Banking Card (Debit Card) After receiving and unblocking your Citibank Banking Card, you can use it to make withdrawals and purchases debited directly in your checking account. In Brazil, the withdrawals can be made in over 36 thousand ATMs of Banco24Horas network, of the Interconnected Network (withdrawals in ATMs of other banks) and Citibank ATMs. Abroad you can make withdrawals in local currency using Cirrus, Nyce and Star networks and purchase in over 120 countries, debited directly in your checking account, using the Maestro branded cards. You still have the option to hire the Citibank Banking Card Protection insurance, which protects your card from theft, stealing or withdrawal under coercion.

19 Checkbook The check can be used to make payments in installments or in cash, according to your choice and with the establishment policy. For your security, the checkbook is sent blocked. Call CitiPhone Banking or access citibank.com.br to request the unblocking. Check how to fill out your checkbook: 1 - um 2 - dois 3 - três 4 - quatro 5 - cinco 6 - seis 7 - sete 8 - oito 9 - nove 10 - dez 11 - onze 12 - doze 13 - treze 14 - catorze 15 - quinze 16 - dezesseis 17 - dezessete 18 - dezoito 19 - dezenove 20 - vinte Numbers 21 - vinte e um 30 - trinta 40 - quarenta 50 - cinquenta 60 - sessenta 70 - setenta 80 - oitenta 90 - noventa cem cento e um duzentos trezentos quatrocentos quinhentos seiscentos setecentos oitocentos novecentos mil mil e um R$ 15,00 Quinze reais R$ 52,00 Cinquenta e dois reais R$ 77,00 Setenta e sete reais Writing the total R$ 109,00 Cento e nove reais R$ 288,00 Duzentos e oitenta e oito reais R$ 1.345,00 Mil trezentos e quarenta e cinco reais

20 Writing the date (city, month and year) São Paulo, 22 de agosto de 2011 Janeiro/January Months Julho/July Belo Horizonte, 19 de abril de 2011 Campinas, 30 de março de 2011 Rio de Janeiro, 2 de fevereiro de 2011 Porto Alegre, 10 de dezembro de 2011 Curitiba, 14 de setembro de 2011 Fevereiro/February Março/March Abril/April Maio/May Junho/June Agosto/August Setembro/September Outubro/October Novembro/November Dezembro/December Write in full the total value of the check Total in numbers 1.250,00 Mil duzentos e cinquenta reais John Sample São Paulo 23 dezembro 2011 Recipient s name City where the check was filled out Day, month and year Signature

21 Check the step-by-step process of how to unblock your checkbook using Citibank Online: 1 - After logging in, click on Online Services. 2 - Click on the Unblocking Checkbook option. 3 - Select the checkbook you wish to unblock according to the initial and final numbers*. 4 - To confirm the unblocking, type in your keyboard the letters corresponding to the password of your Citibank Banking Card (debit card). 5 - That s it! Your checkbook has been unblocked and you can already use it! Automatic sending of checkbooks You can receive your checkbooks at the address of your choice. You just have to request the service in Citibank Online: at citibank.com.br or via CitiPhone Banking.

22 Transfer between accounts in the country You can use the wire transfer to transfer amounts between Brazilian banks. To make a TED - Wire transfer of immediately available funds - the amount to be transferred shall be equal or more than R$ 2, If the amount is less than that, make a DOC Wire transfer. These two options can be of type C (transfer between accounts with different ownership) or D (transfer between accounts with the same ownership). To conclude the transfers, you just have to inform the recipient s data: full name, CPF [Individual Taxpayer s Registry], bank and checking account data. IMPORTANT: When making a TED, the amount is credited in the destination bank on the same day, while when making a DOC, it is only credited on the next business day. Transfer to accounts outside the country To send or receive resources from/to abroad, you can use the Payment Order*, available in US dollars, Euros, British Pounds, Yens, Swedish krona, Norwegian and Danish kroner, Swiss Franc, Canadian dollars and Australian dollars. For orders of up to U$ 3,000.00*, you just have to call the CitiPhone Banking or your Relationship Manager. If the amount is over U$ 3,000.00, please contact your Relationship Manager.

23 Courier Service When you do not want to or cannot go to the branch, you can request a courier to collect deposits and payments*. This request should be made via CitiPhone Banking. Managing your account You can follow the balance and statement of your checking account through the CitiPhone Banking, Citibank Online or through the consolidated statement. This last option can be sent by or to the chosen address. Renting Vault You have at your disposal different vault sizes to keep documents, values and general objects. The vault* renting service is available in branches Paulista (São Paulo) and Assembleia (Rio de Janeiro). The access is allowed only during bank business hours.

24 DAC (Direct Debit) It is a service that Citibank makes available so you can register your utility bills (water, power, gas and telephone bills) so that the amount of the bills can be monthly deducted direct from your account always on their due date. To register your bills in Direct Debit, it is necessary to observe the list of associated utility companies and request the registration through a Citibank branch, CitiPhone Banking or citibank.com.br Check how it is easy to enroll your payments: Click on Pagamentos and choose the option Cadastramento de Débito Automático em Conta

25 Choose the utility you wish. Type in the reference number of the bill.

26 Type in the password of your Citibank Banking Card. That s it! Your bill is already registered as a Direct Debit

27 Payment of Bills With Citibank you have more comfort to pay your water, power, gas, and other bills, to top-up your cell phone, to schedule payments and much more using the following channels: Citibank branches, CitiPhone Banking, ATMs and Citibank Online citibank.com.br Check how it is easy to make your payments in Citibank Online: On the Pagamentos menu, click on the option Pagar ou Agendar Fichas de Compensação.

28 Type in the bar code of the bill and inform the assignor. Type in the date and the amount of the payment, drawee and description.

29 Type in the password of your Citibank Banking Card. That s it! Your payment has been successfully scheduled.

30 Electronic Statement (CitiMail Banking) You can easily access your financial information when and wherever you want. You just have to create a subject to identify the and a password to open the files sent by Citibank. Thus, you will receive the information you want with all the secrecy necessary. You can chose the information you wish to receive, as well as the periodicity daily, weekly or monthly. Click on Extrato por and create your password to open the .

31 Create a subject to identify the , select the information you wish to receive and the periodicity. That s it! From now on you will receive your statement via .

32 If you need any further information, please call CitiPhone Banking at: SP e RJ (Capital cities) Other cities For Banking Account in English, press 1. citibank.com.br CitiPhone Banking: questions, suggestions, complaints and cancellations. SP and RJ (capitals) Other Locations Every day, 24 hours a day. SAC Citi: Customer Support Service: complaints, cancellations and information (hearing impaired ). Every day, 24 hours a day. In case you are not pleased with the solution offered, with your protocol in hand, contact our Ombudsman at: (hearing impaired ). Working days from 9 a.m. to 6 p.m. Contact us: citibank.com.br