Client Manual Consumer Accounts - Citibank

1 Client Manual Consumer Accounts Markets Effective June 12, 2018. Welcome to Citibank and thank you for choosing us for your banking needs. This Manual contains some important information you should know about your deposit relationship with Citibank . It is an agreement between you and us. From Account Transactions to Electronic Banking and beyond, we want you to understand how our products and services work, as well as to understand some of the important responsibilities that exist yours and ours. Some of these responsibilities are the same for every customer, no matter where you live. Others are different based on specific state laws. Some are described in additional agreements. Together, these documents provide basic terms and conditions of our deposit relationship.

2 This Manual also contains an agreement to arbitrate all disputes between us by private arbitration. Please review this Client Manual thoroughly . and keep it for future reference. And if you have any questions, please call us anytime at 1-888- Citibank , join us online at or visit us at your local branch. ITEM US70001-ALL Pkg. 25. Contents > Funds Transfers . 25. General Terms Consumer Use Acknowledgement 6. > Important Note to Australian Resident Clients 6. > Definitions 6. > Definitions of Types of Accounts 9 > . Account Opening/Ownership/Maintenance 11 . > . > . > > > Claims 29. > . > > > > . > . > . > . > Withdrawals 29. > . > Severability 14 > Waiver 14. > Account Opening 14. > Consumer Reporting Agency Information 15 > Checking Account Sub- Accounts 15.

3 > Updating Your Account Information 15 . > Transferring Account Ownership 16 > Language Preference 16.. > . > > . Account Transactions 19. > . > > > . > > . > > . > . > > Account Statements and Notices, Periodic Statements 37. > > . > > . > . > . Special Circumstances 40 > . > Forfeited Accounts 40. > Death or Legal Determination of Incompetence 40. > Dormant Accounts 40 > . > Legal Process 41 Limitation of Liability 60. > . Resolution of Disputes by Arbitration 61. > > Agreement to Arbitrate Disputes 61. > . > Disputes Covered by Arbitration 61. Foreign Currency Exchange 43 > Disputes Excluded from Arbitration 62. > > Commencing an Arbitration 62. Electronic Banking 44 > Administration of Arbitration 62. > > General 44.

4 > . > . > > > > . > Access Devices 45. > Withdrawal Posting Cut-Off Times 46 Signature Card (Reference Copy) 66. > Types of Transactions; Limitations 46 CitiPhone Banking and Other Customer Service . Telephone Numbers back cover .. > . General Terms Consumer Use other type of device issued by Citibank along with or in lieu of your Citibank Banking Card. It also includes these account access Acknowledgement codes: your Personal Identification Number (PIN), your Telephone Access Code ( TAC ), one time password (OTP) and the User ID. and Password you use to access Citibank Online and CitiMobile . Auto Save means a recurring pre-authorized transfer from When you open a Citibank Consumer deposit account, you are a Consumer checking account to a Citibank savings or money agreeing that your account will be governed by this Client market account.

5 Manual (sometimes referred to as Manual ) and any and all accompanying Marketplace Addenda (sometimes referred to as Automated Clearing House Network ( ACH Network ) means Addendum ). Together, the Manual and Addendum are referred an electronic funds transfer system governed by the rules of a to as Agreement, which contain important terms and conditions, clearing house association, such as NACHA (National Automated details, rules and procedures applicable to each of your Accounts . Clearing House Association) or The Clearing House, that provides You agree not to use any Consumer account for business funds transfer services to participating financial institutions. purposes. Not all products and services described herein may Bill Payment means an individual or recurring bill payments be available to customers of Citi Private Bank, Citigold Private made through CitiPhone Banking (including bill payments made Client , Citigold International, International Personal Banking or using Citibank 's Telephone Automated Bill Payment Service and global Executive Banking.)

6 These customers may receive other Staff Assisted Bill Payments), Citibank Online, CitiBusiness . or additional specific terms and conditions. Online and Citi Mobile . Bill Payments do not include internal Unless otherwise expressly agreed in writing, our relationship transfer payments made to Accounts at Citibank or its affiliates. with you will be that of debtor and creditor. That is, we owe you Business Day . the amount of your deposit. No fiduciary, quasi-fiduciary or other special relationship exists between you and us. We owe you a when referring to Citibank , means any day of the week that is duty of ordinary care. Any internal policies or procedures that we not a Saturday, Sunday or bank holiday. Non-Business Days are may maintain in excess of reasonable commercial standards and considered part of the following Business Day.

7 For purposes of general banking usage are solely for our own benefit and shall determining the Business Day for requests to open Accounts , not impose a higher standard of care than otherwise would apply see the Account Opening section of the Manual . For funds in their absence. availability purposes, see the Funds Availability at Citibank . section of the Marketplace Addendum. If your country of residence is other than the United States or the Commonwealth of Puerto Rico, you acknowledge that you when referring to citigroup global Markets Inc., means any are responsible for, and agree that you will comply with, all laws, day of the week Monday through Friday except days when the regulations, and rules applicable to your Accounts , products and New York Stock Exchange is closed.

8 Non-Business Days are services with us, including any tax, foreign exchange, or capital considered part of the following Business Day. controls, and for all payments, reporting or filing requirements Citibank ATM Card means a Citibank Banking Card that that may apply as a result of your country of citizenship, domicile, may be used at ATMs and at POS merchants for PIN purchases. or residence. (For more information, refer to the Electronic Banking section of this Manual .). > Citibank Banking Card means any card that may be used at ATMs and at POS merchants, including Citibank ATM cards and Citibank Debit Cards. We may also refer to this card as a Citibank Please note that Citibank : (i) is exempt from the requirement Card or a Citi Card in promotional and other materials.

9 To hold an Australian financial services license under the Citibank Debit Card means a Citibank Banking Card bearing Australian Corporations Act 2001 in respect of its provision of financial services to you; and (ii) is regulated by the Federal a MasterCard Brand Mark on its face that may be used at ATMs Reserve, the Consumer Financial Protection Bureau and the and at POS merchants to make either PIN or Signature purchases. Office of the Comptroller of the Currency of the under (For more information, refer to the Electronic Banking section laws, which differ from Australian laws. of this Manual .). Citigold International ( CI ) is a United States business that > Definitions provides its clients access to financial products and services available through various bank and non-bank affiliates of When used in this Agreement: citigroup Inc.

10 Banking products and services are provided by Citibank , We, us, our, and Citibank mean Citibank , , and you . and your mean you, the customer. Citigold Private Client ( CPC ) is a United States business that provides its clients access to financial products and services Access Device means a card or code, or other means of available through various bank and non-bank affiliates of identification and authentication, used to access your account. citigroup Inc. Banking products and services are provided In this Agreement, it means your Citibank Banking Card by Citibank , including your Citibank ATM Card, Citibank Debit Card, or 6 7. citigroup global Markets Inc. ( CGMI ), member SIPC, is International Personal Banking ( IPB ) is a United States an investment advisor and broker-dealer registered with the business that provides its clients access to financial products and Securities and Exchange Commission.