1. Wealth opportunities begin with 6.28%* p.a. extra

1. Enjoy 5X rewards with Citibank Platinum Card

As a Citigold member, your relationship with us begins with a 6.28%* p.a. bonus interest on your combined average balance. Also, gain access to a carefully selected range of wealth management products, designed to give you even more potential returns.

Step 1.   Start a Citigold relationship with a minimum of RM200,000 in any of the checking accounts as indicated below.       Step 2.   Place a minimum of RM100,000 from your checking account in at least 1 of the secondary products* within 3 months of starting a Citigold relationship.       Step 3.   Earn 6.28% p.a. extra when you maintain at least RM200,000* on your combined average balance within the 3 months period. (If you do not fulfil Step 2, you will still earn 3% p.a. extra on your combined average balance.)

Alternatively, you may visit your nearest Citibank branch,   call CitiPhone at 1300 30 3300 (press 4),   or SMS EXTRA6 to 36700

* Terms and conditions apply. The New to Bank Citigold member must place a minimum sum of RM100,000 in at least one secondary product [except for Dual Currency Account(/s) where it has to be held with another secondary product and the minimum total held is to be RM200,000 at a 1:1 ratio] within the first 3 months and maintain a combined minimum Average Balance (as defined in the Terms and Conditions) of RM200,000 on their Checking account(/s) and the secondary product(/s). Secondary products refer to Unit Trust Funds (excluding money market funds, AmBond Fund and AmBond Islam Fund), Retail Bonds, 3-month Australian/New Zealand Dollar Currency Time Deposit and Dual Currency Account. Promotion is valid until 31 Mar 2012.

Terms & Conditions 1. This Citibank 3-Month MYR Savings Bundle promotion (“Promotion”) is organized by Citibank Berhad (297089-M) (“Citibank” or “Bank”) and will run from 3 January 2012 to 31 March 2012, both dates inclusive (“Promotional Period”). 2. This Promotion is governed by the terms and conditions set out below and by participating in this Promotion, you agree to be bound by them. 3. Subject to these terms and conditions, this Promotion is open to new-to-bank Citigold clients only who are not employees of any subsidiaries and/or any affiliates of Citigroup Inc. 4. For the avoidance of doubt,   4.1. new-to-bank Citigold clients will exclude those Citigold clients who had previously closed their Citigold account for not more than 6 months prior to the date that you would like to open the CA to enjoy this Promotion but will include any Citibank customer who is not a primary account holder; and 4.2. this Promotion is limited only to new-to-bank Citigold clients who place fresh funds with Citibank. Fresh funds refer to funds that do not originate from any existing account(s) with the Bank (“Fresh Funds”). 5. Under this Promotion, anyone who meets the criteria as stated in Clauses 6 and 7 below during the Promotional Period will enjoy special bonus interest rate (“Special Bonus Interest Rate”) as shown below on the average balance (“Average Balance”) for a period of 3-months (“the 3 Months Period”) from the day any of the accounts listed in the Main Product column of the table below (“Account”) is opened (“Expiry Date”):   Tenure Special Bonus Interest Rate offered (per annum) 3-Months 6.28%   For clarity, the products included in this Promotion are as follows:   Main Product (“Account” or “CA”) Secondary Product^ Basic Checking Account Premium Checking Account Malaysia Ringgit Checking Account Unit Trust Funds (excluding money market funds, the Ambond Fund and Ambond Islam Fund) [“UT”]* Retail Bonds [“RB”]* 3–month Foreign Currency Time Deposit (only applicable to Australian and New Zealand dollar currency) [“FCY TD”] Dual Currency Account (any pairings and tenure) (“DCA”)   ^ Funds to purchase any one or more of the Secondary Product has to originate from Ringgit Malaysia CA.. Proceeds from the sale of any Secondary Product purchased during this Promotional Period has to be credited into the CA, Foreign Currency Call Account and/or used to purchase any other Secondary Product. * Subject to Clause 14. 6. You must place and maintain an aggregate average of a minimum sum of RM200,000 in the Main Product(s) and Secondary Product(s) to participate in this Promotion. 7. Over and above the foregoing, the following terms and conditions will apply:   7.1. You have to place into any CA a minimum of RM200,000 during Account opening but as at the Expiry Date, you must have an Average Balance of at least RM200,000 with at least a. a total of RM100,000 invested in UT, RB or FCY TD at any time or from time to time during the 3 Months Period; or b. a total of at least RM100,000 in DCA and an equivalent amount in UT, RB and/or FCY TD at a 1:1 ratio during the 3 Months Period. to enjoy the Special Bonus Interest Rate during the Promotional Period; and 7.2. you can increase the Average Balance in any Citibank Main Product(s) or Secondary Product(s) PROVIDED that the Average Balance that will enjoy the Special Bonus Interest Rate will only be limited to RM300,000.00. 8. Average Balance is calculated as follows :   note:   i. Average Closing Balance means the average daily closing balance in any one or more of the CA (with the same Banking Account Relationship Number as defined in Clause 13), of all funds which originated from Fresh Funds only less any withdrawals from such Fresh Funds during the 3 Months Period and it will include the monies which originated from the Fresh Funds transferred amongst these accounts during the 3 Months Period but will exclude the proceeds of any Secondary Products (purchased during this Promotional Period) which are subsequently sold or terminated and credited into the CA. ii. ∑ = Sum of. iii. A = the amount paid by you to purchase each of the Secondary Product on a given date. iv. B = No of days from the date the CA is opened to the date, a day prior to the purchase date of the Secondary Product, both dates inclusive. v. C = No of days in the 3 Months Period which includes the day the CA is opened and the Expiry Date (both dates inclusive). . For example, if the CA is opened on 3 January 2012, the 3 Months Period will end on 2 April 2012 and it will be a total of 91 days. 9. In the event that you do not fulfill any of the stipulated criteria in Clause 7, you will still receive a reduced Bonus Interest (“Bonus Interest”) Rate of 3% per annum on your Average Balance provided the minimum Average Balance is at least RM200,000. 10. Illustration of how the Promotion works can be found on the above as illustrated in Examples A, B & C and will deemed as part of these terms and conditions. 11. The Special Bonus Interest and Bonus Interest are payable to eligible customers who have participated in the Promotion during the Promotional Period in addition to the existing interest at the Board Rate (which can be found on the Bank’s website at www.citibank.com.my or at any Citibank branches nationwide) applicable to the Account, during the Promotional Period. All interest including the Special Bonus Interest and Bonus Interest will be paid into any of the CA. 12. All Special Bonus Interest and Bonus Interest will be calculated after the Expiry Date and will be credited into the Account by the 8th week from the Expiry Date. 13. If you are the primary account owner for more than one Banking Account Relationship Number opened on the same day, Citibank reserves the right to pay the Special Bonus Interest Rate or Bonus Interest (where applicable) on the relationship with the lowest Average Balance. The other account with a different Banking Account Relationship Number will only enjoy interest at the Board Rate (which can be found on the Bank’s website at www.citibank.com.my or at any Citibank branches nationwide). Banking Account Relationship Number means particular number assigned by Citibank to identify the particular customer’s banking relationship with Citibank. 14. For the avoidance of doubt, the following are not accepted for the purpose of fulfilling the criteria set in Clauses 6 and 7:-   a) Fresh funds in foreign currency; and/or b) UT purchased using Employee Provident Fund; and/or c) UT purchased which has been terminated as a result of you exercising your right under the cooling off period; and/or d) UT purchased under progressive investment plan. 15. Citibank’s decision on all matters relating to the Promotion is final and no correspondence will be entertained. 16. Citibank reserves the right, as its absolute discretion to vary or change any of these terms and conditions from time to time or cancel, suspend or withdraw this Promotion and/or replace this Promotion with another similar promotion or program with prior notice. Such variation or changes or cancellation, suspension or withdrawal will be notified by posting on Citibank’s website at www.citigold.com.my or in any other manner as Citibank deems fit. In this respect, your participation in this Promotion also signifies your agreement to access the website at regular intervals to view these terms and conditions and to ensure that they are kept up-to-date with any variations or changes which Citibank may effect from time to time. 17. These terms and conditions are governed by and construed in accordance with the laws of Malaysia.