CPC Client Manual - Citibank

1 Citigold Private Client Client Manual Consumer and Non-Commercial Entity AccountsEffective June 12, 2018 Welcome to Citibank and thank you for choosing us for your banking Manual contains some important information you should know about your deposit relationship with Citibank . It is an agreement between 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 of these responsibilities are the same for every customer, no matter where you live.

2 Others are different based on specific state laws. Some terms will apply depending on whether the account is in the name of individuals (consumer account) or in the name of an entity (entity account). Some are described in additional agreements. Together, these documents provide basic terms and conditions of our deposit Manual contains an agreement to arbitrate all disputes between us by private review this Client Manual thoroughly and keep it for future reference. If you have any questions, please contact us (See the Contact Information section of this Client Manual .)

3 As a reminder, the Spanish translation of our Agreement is provided as a courtesy to you. English is the controlling language governing your banking relationship with us, and the English version of this Agreement is the governing Agreement. We recommend you retain both the English and Spanish versions for your records. ContentsGeneral Terms Consumer and Non-Commercial Entity Use Acknowledgment ..1> Important Note to Australian Resident clients ..2> Definitions ..2> Definitions of Types of Accounts ..5 Your Citibank , Relationship through Citigold Private Client .

4 8 The Citigold Private Client Account Package ..11> Package Features ..11> Checking Account Requirement ..11> Minimum Opening Deposit ..11> Combined Average Monthly Balances for Fees and Charges ..12> Linked Accounts ..12> Linked Loans and Lines of Credit Balances ..13> Associated Accounts Linking and Household Linking ..14> Fees ..14> Reimbursement of Other Bank ATM Fees ..15 Information About Specific > Regular Checking ..16> Interest Checking ..16> Citibank Savings Plus Account ..17> Certificates of Deposit ..20 Investment Account Linking.

5 23 Important Information You Should Know ..24 Linking Account Packages for Consumer Accounts Only ..25> Household Linking of Account Packages Applicable to Persons living in the or Resident Aliens ..26 Overdraft Protection ..27> Checking Plus (variable rate) Line of Credit for Consumer Accounts only ..27> Safety Check ..27> Overdraft Protection Transfer Fee ..28> Safe Deposit Box Rental ..28 Account Opening/Ownership/Maintenance ..29> Opening Additional Accounts ..29> Amendments/Changes to this Agreement ..29> Copies of the Agreement.

6 29> Arbitration ..29> Conflicting Demands/Disputes ..29> FDIC Insurance ..30> Governing Law ..30> Indemnification ..31> Information Sharing for Consumer Accounts > Limitation on Time to Sue or Arbitrate ..31> Recording Your Service Requests ..31> Your Consent for Us to Call You ..32> Your Consent for Us to Use Your Mobile Phone Number to Identify You ..32> Security Interest ..32> Severability ..32> Waiver ..32> Account Opening ..32> Consumer Reporting Agency Information ..33> Verifying Information for Entity Accounts ..33> Checking Account Sub-accounts.

7 33> Updating Your Account Information ..34> Transferring Account Ownership ..35> Language Preference ..35 Account Documents ..35 Spanish Language ..35 Account Communications ..36 Availability of Products and Services ..36 Customer > English Documents Are Controlling ..36> Account Errors and Adjustments ..36> Assignments ..37> Foreign Account Tax Compliance Act ..37 Account Transactions ..38> What This Section Covers ..38> Checkbooks and Checks ..38> Deposits ..38> Deposit By Mail ..39> Remotely Created Checks ..39> Endorsements.

8 40> Items Sent for Collection ..40> Verification and Collection ..41> ACH Provisional Credits ..41> Notice of Incoming Transfer ..41> Returned Items/Transactions ..41> Reconstructing Lost, Missing or Destroyed Deposits ..42> Our Right to Refuse Deposits ..42> Account Balance and Transaction Information ..42> Limits on Transfers ..43> Funds Transfers ..45 Wire Transfer Request ..45 Authority to Transfer Funds ..45 Reliance by Citibank ..45 Execution of a Funds Transfer Request ..46 Scheduled or Recurring Future-Dated Funds Transfer Request for a Wire Transfer.

9 46 Responsibility for Funds Transfers ..46 Security Procedures ..46 Currency of Transfer ..46 Delays or Non-Execution of Funds Transfers ..47 Indemnity ..47 Transfer to a Beneficiary Bank ..47 Incoming Funds Transfers ..48 Means of Transfer ..48> Cancellations or Amendments of Funds Transfer Requests ..48 Applicable to International Citibank Global Transfers and International Wire Transfers ..48 Applicable to all other Funds Transfer Requests ..49> Rejection of Funds Transfer Request ..49 Claims ..50> Applicable to claims or questions with respect to Consumer International Citibank Global Transfers and International Wire Transfers.

10 50> Applicable to claims or questions with respect to domestic Citibank Global > Applicable to claims or questions with respect to Domestic Wire Transfers ..50> Limitation of Liability ..51> Notices ..51> Amendment/Termination ..51> Severability ..51> Governing Law ..51 Instructions ..52> In Person at one of our Citigold Private Client locations ..52> By Facsimile Transmission ..52 Acknowledgment of Facsimile Transmission Risk ..53> Transfer Limitations ..54> Written Instructions ..54> Confirmation of Instructions ..54 Withdrawals.