Citibank Berhad Citibank Credit Card Product Disclosure Sheet (Read this Product Disclosure Sheet before you

decide to take out the Citibank credit card. Be sure to also read the Citibank Card Agreement and relevant credit card Terms & Conditions where applicable) 1. What is this product about? The credit card comes with a line of credit granted by us to you and where any amount of the credit utilized by you has not been fully settled in full on or before a specified date, the unsettled amount will be subject to finance charges. Please read together with respective credit card product pamphlet, which contains more info on what the product is about 2. What do I get from the product? Credit Limit Citibank offers various types of credit card that suits a customers need. Each Citibank credit cards credit limit will be determined base on an applicants annual income and type of credit card applied. Subject to such variations as may be made at the sole discretion of Citibank, the credit limit for each card entitled by a Citibank Cardholder are as follows:No. 1 2 3 4 5 6 7 8 9 11 12 13 Credit Card type Platinum Citibusiness Gold Cashback Gold AirAsia Gold Shell Gold Choice Clear Cashback Silver Giant AirAsia Silver Shell Silver Min 20,000 3,000 5,000 5,000 5,000 5,000 3,000 3,000 3,000 3,000 3,000 3,000 Max 450,000 450,000 100,000 100,000 80,000 45,000 30,000 30,000 30,000 45,000 15,000 15,000

3. What are my obligations? Minimum monthly repayment: 5% of [(Outstanding Balance) + ( Finance Charges + Annual Fee + other fees and charges) (if any) + (Overlimit Amount) (if any) + ( Non-revolving Instalments) (if any) OR RM50 whichever is higher. Interest free period: 20 days from the statement date for new retail transactions is only applicable for cardmembers with no outstanding balance from the previous months statement. Otherwise you will be charged finance charges from the transactions posted date. 4. What are the fees & charges I have to pay? Fees and Charges a) Annual Fees
Use your new credit card at least 3 times within 60 days to enjoy a 1-year annual fee waiver.

Description
Card type Supplementary Principal (RM) 600 180 70 195 90 90 (RM) 150* 100 60 100 60 100

Remarks

Platinum AirAsia Gold MasterCard AirAsia MasterCard Shell Gold VISA Shell VISA Giant VISA

Use your new credit card at least 3 times within 60 days to enjoy a 1-year annual fee waiver OR 6 times within 60 days to enjoy a 2-year annual fee waiver

Gold/Cash Back Gold 195 Clear/Cash Back 90 Choice CitiBusiness 200 * Free for the first supplementary card

** Free for the first two supplementary cards

b) Finance Charges on

- Effective from 31st March 2009 until 31 March 2010

purchases

c) Cash Advance Fees d) Credit Shield e) Minimum monthly repayment f) Late Payment Charge g) Interest free period

h) Conversion for overseas transactions

- 13.5% per annum (daily interest) : cardmembers with prompt payments for 12 consecutive months - 16% per annum (daily interest) : cardmembers with prompt payments for 10 to 11 times in the last 12 months - 17.5% per annum (daily interest) : cardmembers with 9 or less prompt payments in the last 12 months 5% of cash amount (min RM20) and 18% per annum daily interest RM0.65 for every RM100 balance 5% of [(Outstanding Balance) + (Finance Charges + Annual Fee + other fees and charges)(if any)] + (Overlimit Amount)(if any) + (Non-revolving installments) (if any) OR RM50.00 whichever is higher A minimum of RM5 or 1% of total outstanding balance as at statement date, up to a maximum of RM50 20 days from the statement date and applicable only for cardmember who pays in full on or before the payment due date. If cardmember opts to pay partial or minimum payment, finance charges for retail transactions will be calculated from the day transactions are posted to the card account. If a transaction is made in foreign currency, MasterCard or VISA, depending on which card is used, will convert the transaction into a Ringgit Malaysia equivalent at the conversion rate as determined by MasterCard or VISA as at the date it is processed by MasterCard or VISA. In addition, you will also pay administration costs at 1% or at such other rates as shall be determined by us for the conversion of the transactions made in foreign currencies. RM50.00 fee per card RM20 per copy RM5 per statement RM50 per cheque RM25 per month

i) 1 hour replacement card j) Sales draft retrieval k) Monthly statement retrieval l) Payment cheque returned m) Overlimit Fee

5. What if I fail to fulfill my obligations? Late payment penalty charges A minimum of RM5 or 1% of total outstanding balance as at statement date, up to maximum of RM50 Withdrawal of Card or facilities/services offered We may withdraw the Card and/or any of the services offered with or without prior notice and the whole outstanding balance on the Card Account shall become immediately due and payable to us. Liability for unauthorized transactions You must always use reasonable precautions to prevent the loss of your credit card. If your credit card is lost or stolen, you must notify us immediately, followed by a written confirmation together with a copy of police report no later than seven (7) days from the occurrence of the event. On the other hand, if there is an unauthorized use of your credit card before the report is made, you may be held liable for all the charges incurred. Please refer to Clause 11 of your Citibank Card Agreement Terms and Conditions and/or Citibusiness Card Agreement. Right to set-off Citibank has right to combine or consolidate all or any of your account (including joint account; settling entire amount) with us to set-off or transfer the monies to payoff the outstanding of your credit card at anytime without prior notice.

6. What if I fully settle the balance before its maturity (For Balance Transfer) No lock in period & no early settlement penalty if customer fully settle the balance before its maturity 7. What are the major risks of a credit card By paying less than the full payment due amount, the interest amount and the time taken to settle the full amount will increase. Think about your repayment capacity when charging the credit card. The finance charges imposed on the outstanding balance for this credit card is based on a tiered pricing structure in accordance to your repayment history. If we detect any unusual or suspicious activity on your Credit Card Account, we may temporarily suspend your credit privileges until such activity is verified. If you have problems paying for your credit card charges, contact us early to discuss repayment alternatives. You are responsible for all charges incurred by your Supplementary Cardholders (if any) You should not disclose your credit card details or PIN number to any unauthorized persons. You should notify us immediately after having found out your credit card is lost or stolen. We are entitled to recall or withdraw all other credit facilities that you have with us if you breach on default in respect of a Card Account.

8. What do I need to do if there are changes to my contact details? It is important that you inform us promptly of any change in your business or residential address, and contact number. 9. Where can I get further information?

Should you require additional information on credit cards, please refer to the bankinginfo booklet on Credit Cards, available at all our branches and the www.bankinginfo.com.my website. For further information on Citibank credit card fees and charges, please visit citibank.com.my. Latest available fees and charges can also be found on the website.

You may also contact us at: Citiphone Banking 03-2383 0000 Kuala Lumpur 04-296 0000 Penang 07-268 0000 Johor Bahru 1-800-82-1010 Sabah and Sarawak Citiphone Fax Banking 03-23836666 Citibank Website citibank.com.my IMPORTANT NOTE: LEGAL ACTION MAY BE TAKEN AGAINST YOU IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR CREDIT CARD BALANCES

The info provided in this disclosure sheet is valid as at 23/12/09