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DECLARATION AND TERMS & CONDITIONS Nature of Guardianship Natural Legal (please furnish copy of court order) Note: In case of Junior Account, guardian(s) shall be the signatory with signature requirements as Single. Citibank Rewards Domestic All channels (ATM, Purchases at Merchants, Internet Purchases) Citibank Rewards Debit Card Value-added ATM/Debit Cards Charges will be applicable as per the Schedule of Charges (SOC). D) In case of Junior account, debit card will be provided to minors only above 15 years of age. Annual Fee : Nil Joining Fee : ` 3000/Annual Fee : ` 3000/- Joining Fee : ` 500/Annual Fee : ` 500*/- 4550 * if yearly spend more than `30,000 else fee is `1,000 (Valid only in India) I have read the relevant terms and conditions (including the Know Your Card section) and agree to be issued the credit card opted for by me. For Junior Account, monthly ATM/Debit Card limit ` (Maximum monthly withdrawal/spend limit for Citibank Junior ATM/Debit Card is ` 5000 only.) International Credit Card Domestic Credit Card I want to open a Citibank Investment Account /

DECLARATION AND TERMS & CONDITIONS Nature of Guardianship Natural Legal (please furnish copy of court order) Note: In case of Junior Account, guardian(s) shall be the signatory with signature requirements as Single. Citibank Rewards Domestic All channels (ATM, Purchases at Merchants, Internet Purchases) Citibank Rewards Debit Card Value-added ATM/Debit Cards Charges will be applicable as per the Schedule of Charges (SOC). D) In case of Junior account, debit card will be provided to minors only above 15 years of age. Annual Fee : Nil Joining Fee : ` 3000/Annual Fee : ` 3000/- Joining Fee : ` 500/Annual Fee : ` 500*/- 4550 * if yearly spend more than `30,000 else fee is `1,000 (Valid only in India) I have read the relevant terms and conditions (including the Know Your Card section) and agree to be issued the credit card opted for by me. For Junior Account, monthly ATM/Debit Card limit ` (Maximum monthly withdrawal/spend limit for Citibank Junior ATM/Debit Card is ` 5000 only.) International Credit Card Domestic Credit Card I want to open a Citibank Investment Account /

DECLARATION AND TERMS & CONDITIONS I/We have read and understood the Terms and Conditions (a copy of which is received by me from the Bank and is in my possession) and also available at www.citibank.co.in governing the opening of an account with the Bank and those relating to various services. I accept and agree to be bound by the said Terms and Conditions including those excluding/limiting the Bank's liability, which may be amended by the Bank from time to time. I/We understand that the Bank may, at its absolute discretion, discontinue any of the services completely or partially without notice to me/us. I agree, understand and accept that the Bank may debit my/our account for service charges as applicable from time to time. Junior Account Declaration: I understand that in case of Junior Account, the minor shall be the primary holder of the account and the guardian(s) shall be the secondary holder. I hereby declare that I shall represent the said minor in all transactions connected with this account until the said minor attains majority. I declare that the account will be operated for the benefit of the minor. I shall indemnify the Bank against the claim on the account of the minor for any withdrawal/transaction made by me in his/her account. I understand that Minor with joint holder(s) are not allowed in Demat Accounts. ATM/Debit Card Declaration: I expressly acknowledge that: (i) All cash withdrawals and purchases of goods and services made by the Beneficiary on the basis of the said ATM/ Debit Card shall be deemed to be withdrawals/purchases by me and shall be deemed to be an obligation liable to be discharged solely by me as if I had incurred such obligation directly. (ii) Citibank ATM / Debit Card can be issued to minors who are 15 years and above. Minors are not allowed to carry out any transaction independently hence, it is the parent s/guardian s obligation to monitor the transactions done on the Junior ATM/ Debit Card. The parent/guardian of the minor are solely liable for any transaction done on the ATM/Debit card or loss/misuse of card and the same must be reported to Citibank at the earliest. The customer shall not hold the bank liable for any loss or damage suffered by the customer as a result of the transaction done on the Junior ATM/ Debit Card. For loss/theft of card, please contact CitiPhone immediately and visit your nearest Citibank branch for replacement of the card. (iii) I/we agree that Citibank ATM/Debit Cards will be issued only if the signature requirement for account operation is Single or Either/Survivor and guardian(s) is/are the only authorized signatory(ies). I/We hereby authorize Mr./Ms., Officer of Citibank N.A. India to assist me in completing my application form and related documents, prior to my signing the Application Form. It is my responsibility to read, understand and satisfy myself that the contents mentioned on the Application form are filled as per my instructions as to the correctness and completeness in all respects, prior to signing and it is binding on me/us. PUB/Ver 1.3/Citibank Opening Form/07-15

DECLARATION AND TERMS & CONDITIONS Nature of Guardianship Natural Legal (please furnish copy of court order) Note: In case of Junior Account, guardian(s) shall be the signatory with signature requirements as Single. Citibank Rewards Domestic All channels (ATM, Purchases at Merchants, Internet Purchases) Citibank Rewards Debit Card Value-added ATM/Debit Cards Charges will be applicable as per the Schedule of Charges (SOC). D) In case of Junior account, debit card will be provided to minors only above 15 years of age. Annual Fee : Nil Joining Fee : ` 3000/Annual Fee : ` 3000/- Joining Fee : ` 500/Annual Fee : ` 500*/- 4550 * if yearly spend more than `30,000 else fee is `1,000 (Valid only in India) I have read the relevant terms and conditions (including the Know Your Card section) and agree to be issued the credit card opted for by me. For Junior Account, monthly ATM/Debit Card limit ` (Maximum monthly withdrawal/spend limit for Citibank Junior ATM/Debit Card is ` 5000 only.) International Credit Card Domestic Credit Card I want to open a Citibank Investment Account /

ATM/Debit Cards: For customers who do not want a ATM/Debit Card : I/We are aware that without an ATM/Debit card, I/We will not have access to the ATM or Internet/Mobile Banking facilities provided by the bank. I/We acknowledge that I/We do not wish to avail of this facility. For customers who wish to activate ATM/Debit cards for international use: I/We accept that Citibank has enabled my card for international transactions upon my/our specific request and the Bank shall not be held responsible under any circumstances for the same. I/We are aware that my/our international limit will be USD 10,000 for a financial year which is the current limit set under FEMA regulations, for usage of the debit card for personal purposes abroad. I/We undertake not to exceed the limits set forth under FEMA regulations for international use of ATM/Debit Cards. I/We accept that Citibank is permitting me/us to choose my/our ATM/Debit Card type and limits thereof, solely for my/our convenience. I/We understand the usage of my ATM/Debit card is subject to availability of a minimum applicable credit balance in my Savings/Current Account(s) or any other specific criteria/terms that may be imposed by Citibank in this regard from time to time. I/We understand that I/We must redeem all points accrued on the card within a maximum of one month from the date of closure of the card. I/We accept that Citibank shall not be liable under any circumstances whatsoever for implementing the above choices as indicated by me/us. TDS will be applicable @10% on the interest earned on Recurring Deposit. Personal Loans Avail Loan of up to ` 30,00,000 credited in 48 hours Interest rates starting from 14% p.a. Part pre-payment and balance transfer options Home Loans Home Loans up to ` 10 crores with repayment loan tenor as high as 25 years. Loans against residential / commercial properties up to ` 5 crores for business / personal use. Save interest and reduce loan tenure with Citibank Home Credit facility. Option to transfer your existing loan and avail enhancement to pay off other high cost debt. Citibanking Unlimited free cash withdrawals at any ATM in India Zero fees on a host of banking services Never-expiring Reward Points redeemable for cash and airmiles on the Citibank Platinum Debit Card