Announcements Posting Date Details 01/4/2013 New Interest Rates Effectively from 01 April 2013, Interest Rate on the Citibank PremierMiles, Citibank Cash Back and Citibank ACE Life credit cards has been revised to 2.15% per month from earlier 2% per month based on the reducing balanced method. Please visit www.citibank.com.vn for the latest fees and charges schedule. 11/03/2013 Congratulations to below weekly winners who will receive dining voucher, worth VND2,000,000: Ho Chi Minh Ha Noi Week 7 (23/03/2013– 29/03/2013) xxxx TRUONG (xxxx xxxx xxxx 4896) Week 7 (27/04/2013 to 03/05/2013) To be announced Week 6 (16/03/2013– 22/03/2013) xxxx TRUONG (xxxx 7499 xxxx xxxx) Week 6 (20/04/2013 to 26/04/2013) To be announced Week 5 (09/03/2013– 15/03/2013) xxxx TU (xxxx xxxx xxxx 2191) Week 5 (13/04/2013 to 19/04/2013) To be announced Week 4 (01/03/2013– 08/03/2013) LINH xxxx (xxxx xxxx 0012 xxxx) Week 4 (06/04/2013 to 12/04/2013) To be announced Week 3 (23/02/2013 – 01/03/2013) xxxx LINH (xxxx xxxx xxxx 9583) Week 3 (30/03/2013 to 05/04/2013) To be announced Week 2 (16/02/2013 to 22/02/2013) xxxxx THOMAS (xxxx xxxx xxxx 6212) Week 2 (23/03/2013 to 29/03/2013) xxxx HUYEN (xxxx xxxx xxxx 7623) Week 1 (11/02/2013 to 15/02/2013) xxxxxxx HUA (xxxx xxxx xxxx 4413) Week 1 (16/03/2013– 22/03/2013) xxxx SAM (xxxx xxxx xxxx 0196) Note: Name and card number are masked for confidentiality reasons. 29/01/2013 Citibank are pleased to present the new Citibank Visa Debit Card. Citibank N.A., Vietnam introduces the new Citibank Visa Debit Card, the world-class debit card. The new and enhanced Citibank Visa Debit Card now gives you access to any retails and service outlets that accept VISA. Gone are the days when you can only use it at ATMs. Today, it doubles up to give you access to your cash and make purchases worldwide. Just look out for the Citibank, VISA or PLUS logo to start using your card today! Key benefits of the Citibank Visa Debit Card: 1. Your Citibank Visa Debit Card allows you to make payments at 29 million VISA retail outlets worldwide. 2. You are also entitled to enjoy special privileges at over 40,000 establishments under Citibank World Privileges ranging from shopping, to dining and entertainment worldwide. Log on to http://www.citiworldprivileges.com for an up-to-date list. 3. Earn evergreen Citibank Rewards Points with every purchase and you can redeem from a range of fabulous items that you desire. 4. Enjoy interest rate on your account. 5. Convenient access to your cash from anywhere in the world as it is accepted at over 30,000 Citibank ATMs (*) and 2 million VISA Plus ATM machines. 6. No annual fee. 7. The EMV-Dynamic Data Authentication Smart Chip makes the card more secured and protects you from potential identity theft and fraudulent activity. 8. Get SMS or email alerts whenever you make transaction on your card. (*) All overseas cash withdrawal from Citibank ATMs will be subjected to a 4% Overseas Transaction Fee. Terms & Conditions 18/11/2012 Citibank Online – Security Enhancement In order to provide enhanced security to Online banking transactions, effective 18 Nov 2012, we will discontinue the use of “Security Questions” to access your banking and credit card accounts online. Instead, every time you wish to make an online transaction, we will arrange to send a system generated One-Time PIN via SMS to your registered Mobile Phone. The One-Time PIN via SMS is a more secure way to access your account since it prevents unauthorized access to your account without the One-Time PIN via SMS. Rest assured that at Citibank, Safety and Security of your banking transactions is our top priority. Please do not hesitate to call us for any information at 1900 1819 or (84 8) 3521 1111. 22/10/2012 Citibank Global Transfer (CGT) – Improvement System Incoming Citibank Global Transfer (CGT) service from US, UK and Germany will be temporarily suspended for further improvement. Please call CitiPhone at (84) 1900 1819 or (84 8) 3521 1111 for further information. 22/10/2012 Update of fees and charges for Citibank Cash Back Card Effective from 15 November 2012, the annual fee of Citibank Cash Back Card for Citi At Work employees is VND 800,000. 20/07/2012 New Citigold hotline (84 8) 3521 1088 Starting from today, Citigold customers can enjoy the dedicated Citigold hotline number (84 8) 3521 1088, operated 24/7. Simply dial the hotline number to talk directly to our service staff. Please note to provide your Citigold account or card number for verification. 26/6/2012 Updates of Fees and Charges In order to bring you more and more benefits, from 26th June 2012, Citibank is going to apply our new preferential fees and charges for some products and services as below: Fees and Charges New Current Ready Credit cash advance withdrawal fee FREE at all ATMs in Vietnam(*); 3% at overseas ATMs only. Only free at Citibank Vietnam ATMs; 3% at all others. Supplementary card annual fee FREE PremierMiles: VND 500,000; Cash Back: VND 350,000; Ready Credit: VND 250,000. Penalty charges FREE for PremierMiles Cardmembers. VND 170,000 per month; applied when total balance is under minimum balance requirement (currently, VND 30,000,000). (*) Subject to fee being charged by other banks which own the ATMs. For further details, please call CitiPhone at (84 8) 3521 1111 or (84) 1900 1819 or log on www.citibank.com.vn. 19/04/2012 Free cash withdrawals at Eximbank and Techcombank ATMs From now, Citibank bank-account customers can enjoy free cash withdrawals at Eximbank and Techcombank ATMs nationwide. Together with ATMs of Dong A Bank, ANZ bank and Commonwealth bank, Citibank customers can access 2,600 ATMs in Vietnam without fee. 30/03/2012 Update for Citibank Cash Back Card The % Cash Back remains unchanged and is extended to 30 September 2012. Cash Back by Categories: Education, Insurance, Medical, Petrol categories: 5% Dining, Hypermart, Department Store categories: 1% Other categories: 0.3% Overseas Retail Transactions: 0.25% Cash Advance from ATM: 0.25% Please refer to the Credit Card Terms and Conditions for more details. 1/03/2012 Extended branch opening hours Citibank branch closing hour will be extended from 4pm to 5pm. Therefore, both of our branches in Ho Chi Minh City and Hanoi are now open from 8.30am to 5pm, with no lunch break, Monday to Friday. 1/03/2012 More Citibank ATMs in HCMC and Hanoi Effective from 1 March 2012, Citibank now have 44 ATMs in both Ho Chi Minh City and Hanoi, to serve you better. 1/03/2012 Four banks remains in VNBC network Effective from 1 March 2012, Citibank customers will now enjoy free cash withdrawal from 1,400 ATMs from DongA Bank, ANZ, Commonwealth Bank and Citibank in the VNBC network. 15/02/2012 Adjustment for Credit Cards/Ready Credit Effective from 15 February 2012, the fees and charges of Citibank Credit Cards/Ready Credit will be adjusted as follow Joining fee: Free Annual fee: PremierMiles Primary Cardmember: VND 1,500,000 Cash Back Primary Cardmember: VND 1,200,000 Interest rate: 24% p.a. (not applied if full payment is made by the due date) Interest rate on Cash Advance: 24% p.a. Citibank Ready Credit Interest rate on Cash Advance and Personal Loan: 24% p.a. Fees and Charges Your Credit Cards/Ready Credit application will be processed within 15 business days from receipt of the completed application along with all required documentation. 27/12/2011 Minimum monthly payment Please note that effective 27 Dec 2011, the "Minimum Amount Due" will be revised from 3% per month to 4% per month, which helps you to pay off your balances faster and reduce total interest amount. 28/09/2011 Interest calculation With effect from 28 September 2011, interest for PremierMiles Card is calculated on a 360 day basis and accrued daily. 14/03/2011 Fees and charges With effect from 14 March 2011, all overseas ATM card cash withdrawals from accounts in a different currency will attract an Overseas Transaction Fee of 4% of the US Dollar equivalent amount withdrawn. This will not apply for domestic withdrawals and withdrawals from accounts in the same currency.