Mobile and Online Foreign Exchange 0% Spread Offer (“FX

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Citi, Citibank, Citi and Arc Design used herein are service marks of Citigroup Inc., Citibank (Hong Kong) Limited,

Citibank, N.A. Organized under the laws of U.S.A. with limited liability.

Welcome Offer – Mobile and Online Foreign Exchange 0% Spread Offer (“FX Welcome Offer”)

1. Unless otherwise specified, the Promotion Period is valid from July 1, 2024 to January 31, 2025,

both dates inclusive (“Promotion Period”).

2. The FX Welcome offer is only applicable to Citigold Private Client, Citigold, Citibanking and/or

Citi Plus clients who do not hold any Citibank (Hong Kong) Limited and / or Citibank, N.A. (the

“Bank”) banking account in the past 12 months (the “New Clients”).

3. For joint accounts, the FX Welcome Offer will be given to the Primary Account Holder.

4. New Clients who open banking account(s) within the Promotion Period are eligible to enjoy 0%

Spread for the successful Foreign Exchange (“FX”) transactions via Citi Mobile® App or Citibank

Online FX Trading Platform executed (the “Eligible Transaction”) within the first 3 calendar

months from account opening (including the month of account opening) (“Eligible Offer

Period”). E.g. A new to Citibank Client who opens account on July 28, 2024, hence, July 2024 will

be the 1st calendar month. The Client will be eligible to enjoy 0% Spread for the Eligible

Transactions until September 30, 2024 (the 3rd calendar month).

5. Citi Mobile® App FX Trading Platform refers to:

• Citigold Private Client, Citigold, Citibanking clients:

▪ “Currency Exchange / Trading” of “Foreign Exchange” under “Wealth” module,

▪ “Buy Now” or “Buy at Target Rate” functions from “Foreign Currencies” /

“Citibank Global Wallet” under Account Summary Dashboard right after logging

• Citi Plus clients:

▪ “Buy Now” or “Buy at Target Rate” functions from “Foreign Currencies” /

“Citibank Global Wallet” under Account Summary Dashboard right after logging

Citibank Online refers to:

• Citigold Private Client, Citigold, Citibanking, Citi Plus clients:

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Citi, Citibank, Citi and Arc Design used herein are service marks of Citigroup Inc., Citibank (Hong Kong) Limited,

Citibank, N.A. Organized under the laws of U.S.A. with limited liability.

▪ “CURRENCY EXCHANGE / TRADING” under “Wealth” module > “Buy/Sell FX”

> “Spot Trade” or “Order Watch”

6. The exchange rate/pricing indicated in the Citi Mobile® App or Citibank Online for any particular

currency pair generally includes any profit margin/spread of the Bank and customers will be

charged the all-inclusive price for the Eligible Transactions. An amount equivalent to the spread

for the Eligible Transaction(s) will be rebated to the New Client’s debit account (in that

corresponding Sell Currency) within 3 months after the Eligible Offer Period (“Rebate”). If there

is more than 1 eligible transaction for the debit account, the lump sum amount will be rebated

to the corresponding account. For all currencies except Japanese Yen, the Rebate will be

rounded off to 2 decimal places; for Japanese Yen, the Rebate will be rounded off to the nearest

integer.

Rebate Examples:

Any Date on Account

Opening Month

Enjoy the Offer until

Rebate Period

July 2024

September 30, 2024

On or before December 31, 2024

August 2024

October 31, 2024

On or before January 31, 2025

September 2024

November 30, 2024

On or before February 28, 2025

October 2024

December 31, 2024

On or before March 32, 2025

November 2024

January 31, 2025

On or before April 30, 2025

December 2024

February 28, 2025

On or before May 31, 2025

January 2025

March 31, 2025

On or before June 30, 2025

7. Transactions that involve Gold Manager (paper gold trading), and/or executed through

“Payments and Transfers” function are not regarded as Eligible Transaction.

8. If the New Client is no longer a customer of the Bank or the debit account is closed at the time

of the Rebate is made, the relevant Rebate shall be forfeited absolutely and shall not be paid to

the New Client through any other means.

私隱政策聲明: citibank.hk/privacyc

讀者重要訊息: citibank.hk/disclaimer

Citi, Citibank, Citi and Arc Design used herein are service marks of Citigroup Inc., Citibank (Hong Kong) Limited,

Citibank, N.A. Organized under the laws of U.S.A. with limited liability.

9. The spread applicable to any transaction may differ from time to time, transaction to

transaction and/or client to client and also depends on the market situation, the size and/or

complexity of the transaction, or other commercial factors. Therefore, a standard amount or

fixed rate of the spread prior to any transaction may not be ascertainable for the purposes of

these Terms and Conditions.

10. The FX Welcome Offer cannot be used in conjunction with other prevailing FX Promotion Offers

(unless otherwise specified) and Time Deposit offers involving foreign exchange.

11. The Program is not applicable to (a) U.S. Persons or (b) individuals resident in the European

Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican,

The Isle of Man, United Kingdom, Brazil, New Zealand, Jamaica, Ecuador and Sri Lanka. This

welcome offer is not, and should not be construed as, an offer, invitation or solicitation to buy

or sell any of the products and services mentioned herein to such individuals.

12. If the Client is no longer a customer of the Bank or the debit account is closed at the time the

fulfilment is made, the relevant rebate shall be forfeited absolutely and shall not be paid to the

Client through any other means.

13. The Bank reserves the right to suspend, amend and terminate the FX Welcome Offer, and

change these Terms and Conditions from time to time without prior notice.

14. In the event of disputes or any matters in connection with the FX Welcome Offer, the decision of

the Bank shall be final and binding.

15. If there is any inconsistency or conflict between English and Chinese versions of these Terms and

Conditions, the English version shall prevail.

16. These terms and conditions shall be governed in accordance with the laws of the Hong Kong SAR

and the customers irrevocably submit to the non-exclusive jurisdiction of the competent court

of the Hong Kong SAR.

私隱政策聲明: citibank.hk/privacyc

讀者重要訊息: citibank.hk/disclaimer

Citi, Citibank, Citi and Arc Design used herein are service marks of Citigroup Inc., Citibank (Hong Kong) Limited,

Citibank, N.A. Organized under the laws of U.S.A. with limited liability.

Citibank, N.A., organized under the laws of U.S.A. with limited liability