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PRODUCT KNOWLEDGE CREDIT CARD AND LOAN

oleh :

Moch. Isnaeni Maulana TeleSales Officer (TSO)

"More Than Just A Credit Card" At Citibank, we believe that credit card is not just a tool for you to make payments. It is also a way of living. That is why we present you a range of credit cards to help you get the most of your lifestyle, and reward you for it.

Program and Benefit Citibank credit card :

Citibank offers the easiest way to free your mind and time from all the payment hassle and scattered bills. Register your routine bills with Citibank 1Bill, Your Recurring Payment Solution and let Citibank take care of it.

NO QUEUE EASY REGISTRATION AUTOMATIC routine bill payment ONLY 1 (ONE) DUE DATE (credit cards) to remember CONSOLIDATED BILLS in one report (credit card billing statement) CITIBANK REWARDS POINTS/CASH BACK/GFF MILES, redeemable for respective credit cards NO ADMIN FEE (please refer to detail partners requirements)

Check list of Citibank 1Bill partners: NASIONAL: Telkom Telkom Flexi Telkom Speedy TelkomVision Yes TV Indovision Top TV Okevision FirstMedia Cable TV FastNet kartuHALO Telkomsel Flash Matrix StarOne I-Phone XL Fren Hepi Mobi Esia Wifone Wimode 3 (Three) CBN Centrin Indonet IM2 Limas: e-Bursa, StockWatch Celebrity Fitness Jiwasraya Allianz Health Insurance Putera Sampoerna Foundation JAKARTA: BTB School netZAP Mercantile Athletic Club Financial Club JAKARTA (SELATAN-BARAT-PUSAT): Palyja TANGERANG: TMD Lippo Village JAWA BARAT: Fasindo TV Kabel Melsa Quasar JAWA, BALI, KALIMANTAN TIMUR, SUMATERA UTARA, NTB, NTT: PLN Electricity Service is available for: - All regions of Jawa, Madura, Bali, NTT, NTB. - All regions of Sumatera except: Aceh, Jambi, Sumatera Selatan and Bengkulu. - All regions of Kalimantan and sulawesi

Water

Telephone

Handphone

Internet

Cable TV

Insurance

For Allianz, the service is only available for Allianz Health Insurance Product Others

Administration fee is applied for IPKL TMD Lippo Village : Rp. 3.000/transaction

Travel Insurance - Accident Insurance Protection When in vacation, you surely want to cover you and your family from the unwanted events. This coverage are obtainable if you buy airline ticket (flights and public vehicle - in here means that when in the way to the airport wish to travel using airplane) with Citi Credit Card, because automatically you will have Sign and Fly a Travelling Insurance coverage from Citi Credit Card. Coverage will also be given if:

in the way to airport for boarding within airport environment terminal itself after arrived in the destination place and left airport to reach the last destination place

No need to pay monthly premium, Cardholder, Spouse with kid from Cardholder whose age less than 23 y.o (Insured) can get benefits as follow: Travel Inconvenience Insurance : Card Type Flight Delay (4Hrs) (Rp) Card Type Luggage Trip Loss Of Missed Delay Cancellation Luggage Connection (6Hrs) (New (Rp) (Rp) (Rp) Benefit)

Citibank Platinum Cardholders4,000,000 4,000,000 24,000,0004,000,000 2,500,000 Credit Family 8,000,000 8,000,000 48,000,0008,000,000 5,000,000 Card Garuda Cardholders4,000,000 4,000,000 24,000,0002,500,000 2,500,000

IndonesiaFamily 8,000,000 8,000,000 48,000,0005,000,000 5,000,000 Citibank Credit Card Citibank Ultima Cardholders8,000,000 8,000,000 40,000,0008,000,000 5,000,000 Credit Family 16,000,00016,000,00080,000,00016,000,000 10,000,000 Card Flight Delay and Luggage Delay The Company shall pay the benefit listed below if the Insured Person or the Insured Persons accompanying Luggage is delayed due to a hazard listed provided the cost for the flight was fully charged to the Citibank NA Card. 1. Up to a maximum of the amount stated in the Schedule of Benefits per occurrence for additional expenses for meals, refreshments, hotel expenses and travel costs are incurred as a result of flight delay of four (4) hours or more for domestic and three ( 3) hours for overseas , flight cancellation, or denial of boarding due to overbooking. 2. Up to a maximum of the amount stated in the Schedule of Benefits per occurrence for the emergency purchase of essential clothing, if the checked-in luggage accompanying the Insured Person has not been delivered for repossession within 4 (four) hours for Domestic & 3 (three) hours for Overseas of arrival at the scheduled destination airport. Loss of Luggage (Checked-in) Up to a maximum of the amount stated in the Schedule of Benefits will be allowed for the emergency purchase of essential clothing and requisites, if the check-in luggage accompanying the Insured Person has not been delivered to him or her within twenty four (24) hours of arrival at the scheduled destination airport. Missed Connections Up to a maximum of the amount stated in the Schedule of Benefits per occurrence for additional expenses for meals, refreshments and hotel, if the Insured Persons confirmed onward connecting Scheduled Flight is missed at the transfer point due to the late arrival of the Insured Persons incoming confirmed connecting Scheduled Flight and no alternative onward transportation is made available to the Insured Person within four (4 ) hours for domestic or three ( 3) hours for overseas of the actual arrival time of his or her incoming flight. Trip Cancellation Under this section the Company shall pay the Insured Person up to the limit stated in the Schedule of Benefit for loss of travel and/or accommodation expenses paid in advance by the Insured Person and for which the Insured Person is legally liable and which are not recoverable from any other source consequent upon the cancellation of the journey necessitated by the following occurring within 30 (thirty) days before the date of the commencement of the journey due to the following: 1. Death or Serious Injury or Sickness or compulsory quarantine of the Insured Person or any Relative. 2. Unexpected outbreak of strike, riot or civil commotion arising out of circumstances beyond the control of the Insured Person at the planned destination.

Common Carrier Travel Accident Insurance : Card Type Self Coverage

Max per Card (Rp) Citibank Platinum Credit Card 4,000,000,000 Garuda Indonesia Citibank Credit Card 4,000,000,000 Citibank Ultima Credit Card 10,000,000,000 Important Information for you If you want to proffer claim, contact insurance service party at (021) 300 - 27380 at least thirty (30) days after the accident. If you are overseas, you need to inform at least fourteen (14) days after you arrived at Jakarta. Below is the others that you need to do, depends on the claim that you proffer:

For Automatic Flight and Travel Accident Insurance Documents needed : o Proof of the accident. o Proof of losses such as receipts, sales draft etc. o Photocopy of Airplane tickets and boarding pass. o Statement Letter. For Travel Inconvenience Insurance Documents needed: o Proof of flight (flight number, departure airport, destination, flight schedule etc). o Photocopy of airplane ticket, boarding pass (when boarding) and written confirmation from flight airline or flight agent that state the hour amount of delays and the reason for the delays. o Detail statement with original receipt from the cost that proffered to claim. o For bagage losses, quickly inform the nearest police station and the responsive company for the losses as soon as you realize the event of losses. Provide explanation about the losses, how the losses known, police reference, police station full address and/or hotel address if the event happen in the hotel.

Reload your prepaid airtime with Citi Credit Card With Citibank Isi Pulsa, you can reload your prepaid phone through Citi Credit Card anytime and anywhere. Definitely more comfortable!

No physical voucher and avoid ATM queuing. You can register up to 5 prepaid phone numbers. Your prepaid account will be reloaded first, billings will then be paid on credit card due date. Simple and controllable because each reload transaction detail will be recorded in your credit card billing statement. Can be done anytime and anywhere. No administration fee.

Get rewarded for your trust and loyalty through Citi Rewards. Discover and redeem a myriad of exclusive discounts, bonuses, gifts and vouchers, uniquely for our valued customers. Chances are, you want more than just to redeem your rewards. With the new CitiRewards, you'll find ideas that will turn your rewards into something brilliant. Credit Card Insurance Credit Shield PLUS Covering you from inabilities to pay your credit card bill when you are experiencing total / temporary disability or in the event of death due to illness or accident, or diagnosed of suffering one of the listed critical illnesses. Low premium, only 0.69% from the monthly outstanding balance.

Jenis-jenis credit card yang ada di Citibank :

Benefit/manfaat : Citibank Platinum Golf Privileges (berlaku hanya untuk Kartu Kredit Platinum Visa) - Gratis green fee di 5 lapangan golf terkemuka di Indonesia ( Jakarta, Surabaya, Bali) dengan membawa minimum 1 teman - Diskon 30% untuk green fees di 300 lapangan golf di dunia Citibank Platinum Travel Privileges with leading airlines. Other special privileges : - Gratis akses Airport Lounge untuk 1 orang di berbagai bandara di Indonesia - Nikmati berbagai penawaran menarik diskon di lebih dari 40,000 outlets yg berpartisipasi di seluruh dunia dengan Citibank World Privileges Khusus pemegang kartu Citibank Platinum Visa Card Nikmati diskon hingga 75% di 55,0000 hotel diseluruh dunia hanya dengan Citibank Platinum Visa Card Anda. Citibank Rewards Points -Dapatkan Citi Rewards Points untuk setiap transaksi ( Rp. 2500 = 1 Citibank rewards points ) -Tukarkan Citibank rewards points dengan frequent flyers miles ( Kris Flyer Mileage, Garuda Frequent Flyer, Asia Miles, Sky Miles ), vouchers belanja atau makan malam.

Benefit/manfaat :

Kartu Kredit global yang diterima dimanapun, di seluruh dunia.

Citi Rewards Points untuk semua transaksi (Rp. 2,500 = 1 Citi Rewards Point)

Akses airport lounge di Indonesia

Hemat belanja dengan menggunakan Citi Rewards Points di merchant Citibank

Citi Rewards Points yang dapat ditukar dengan voucher, merchandise ataupun Iuran Tahunan

Benefit/manfaat :

Quick and easy shopping experience with EazyPay through EazyPay Merchants, EazyPay by Phone and www.belibarang.com.

Shopping, dining & traveling privileges at more than 40,000 Citibank World Privileges outlets worldwide.

Get Citi Rewards Points for all transactions.

Double GFF Mileage for every transaction of IDR 17,500.

Double GFF Mileage for all Garuda Indonesia flights (Y class and above)

Free Citibank Airport Lounge (for cardholder and 1 traveling companion).

Free excess baggage of 20 kg with high priority baggage handling.

Citibank Rewards Card makes it more special For every Rp 2.500 spent in the transaction category below, earn: Category Shopping* Monday-Friday Saturday-Sunday 2 3 Citi Rewards PointsCiti Rewards Points 2 3 Citi Rewards PointsCiti Rewards Points 3 Citi Rewards Points

Dining

International Spending**

* Kategori Shopping termasuk: Department Store dan Apparel. ** Berlaku untuk transaksi retail dan online yang menggunakan mata uang asing sebagai pecahan pembayaran. Definisi kategori menyesuaikan dengan definisi dan pencatatan Merchant ID dalam sistem VISA/MasterCard. Untuk transaksi lainnya, Rp 2.500 = 1 Citi Rewards Point. Syarat dan Ketentuan berlaku.

Kartu Kredit global yang diterima dimanapun, di seluruh dunia.

Citi Rewards Points untuk semua transaksi (Rp. 2,500 = 1 Citi Rewards Point)

Akses airport lounge di Indonesia

Hemat belanja dengan menggunakan Citi Rewards Points di merchant Citibank

Citi Rewards Points yang dapat ditukar dengan voucher, merchandise ataupun Iuran Tahunan

Satu-satunya kartu kredit yg menggabungkan keuntungan kartu kredit dan telekomunikasi. Bonus menarik untuk 1 HALOCobrand yang diregistrasikan: - Bebas biaya abonemen bulanan - Gratis 150SMS setiap bulannya - Tarif hemat ke 10 nomor favorit (pelanggan Telkomsel)

3x Citi Rewards Points untuk semua tagihan kartu HALO yang dibayarkan melalui kartu kredit Citibank Telkomsel

Rewards points tidak hangus dan dapat ditukarkan selain untuk produk Citibank Rewards juga untuk produk Telkomsel seperti potongan tagihan telfon, gratis SMS, Simpati Pulsa dan HALO Undian.

Quick and easy shopping experience with EazyPay through EazyPay Merchants, EazyPay by Phone and www.belibarang.com.

Shopping, dining & traveling priveleges at more than 40,000 Citibank World Privileges outlets worldwide.

Your choice of Annual Fee.

Your choice of Credit Limit.

Your choice of Billing Date.

The first and only credit card in Indonesia which gives you cash back up to 5% at Giant, Hero and Guardian stores. Every day, All year round.

Enjoy the benefit of Triple Deal which consist of: - 3% cash back for ALL transactions in Giant, Hero and Guardian PLUS 2% cash back if the total transaction aside from Giant, Hero and Guardian is above Rp.750.000. - 5% direct discount for all Giant, Hero and Guardian stores private label goods. - 0,5% cash back for ALL transactions aside Giant, Hero and Guardian.

The cash back earned shall be redeemed for next purchases at Giant, Hero and Guardian stores. Information of total cash back will appear at the bottom part of your Citibank Giant Credit Card monthly billing statement

CitiFinancial provides a cash loan available for all your needs with no collateral required and competitive interest rate. Our fixed monthly installment will help to plan your cash flow better. Furthermore, you will enjoy the most convenient service as we transfer the loan directly to your private bank account.

CREDIT GUARD* Life offers no guarantees, unfortunate events can happen anytime, anywhere. You will surely never want to put the burden of your loan repayment on your family. We understand your needs toward protection and therefore we have worked together with Commonwealth Life to provide you with Credit Guard for your loan protection Benefits :

In case of any unfortunate events (death and total disability due to illness or accidents), Credit Guard will give insurance coverage of your loan up to Rp. 200,000,000 Low Premium :

Loan Tenure 12 months 18 months 24 months 30 months 36 months 42 months 48 months

Credit Guard Premium Rate 0,7% from loan amount 1,05% from loan amount 1,4% from loan amount 1,75% from loan amount 2,1% from loan amount 2,45% from loan amount 2,8% from loan amount

Easy Premium Payment This can be accomplished with one time payment and simultaneously when the loan is being approved

Important Notes: * This insurance protection is an optional/additional. The cash loan can be obtained without this optional product. ** Credit Guard is an insurance product from Commonwealth Life. This product is NOT a saving or NOT a bank deposit, NOT an obligation and not guaranteed by Citibank, N.A. ("Citibank"), Citigroup or its affiliates. Credit Guard is not included as an object of LPS guaranteed program. The use of Citibank logo and or attributes in this document is based on Citibank's consent and it only reflects marketing agreement between Citibank and Commonwealth Life as an issuer of the Credit Guard and it does not entail that the Insurance product is a Bank's product. Detail benefit, terms and conditions are attached in the Policy Certificate issued by Commonwealth Life. Citibank is not responsible for the content of the Insurance Policy Certificate issued by Commonwealth Life inside Credit Guard product.

Prospective buyer of insurance product must read and obey with the terms and conditions of Credit Guard as stated in the Policy Certificate. CREDIT GUARD PLUS* In addition of protection from unexpected death and permanent disability, Credit Guard Plus will also protect you and your family when you are diagnosed suffering one of critical illnesses as described in Credit Guard Plus policy certificate. The premium is as low as 1.2% per year from your initial loan amount. Furthermore, for your convenience, the payment of the premium will be included in your loan monthly installment. Enjoy the following benefits from Credit Guard Plus protection:

Protection from the event of unexpected death, permanent disability and when suffering one of critical illnesses Low Premium : As low as 1.2% per year from your initial loan amount

Loan Tenure 12 months 24 months 36 months 48 months

Credit Guard Plus Premium 1,2% from loan amount 2,4% from loan amount 3,6% from loan amount 4,8% from loan amount

Light Premium Payment Method This premium payment is included in your loan monthly installment

Important Notes: * Credit Guard Plus is an insurance product from PT Prudential Life Assurance. This product is NOT a saving or NOT a bank deposit, NOT an obligation and not guaranteed by Citibank, N.A. ("Citibank"), Citigroup or its affiliates. Credit Guard Plus is not included as an object of LPS guaranteed program. The use of Citibank logo and or attributes in this document is based on Citibank's consent and it only reflects marketing agreement between Citibank and PT Prudential Life Assurance as an issuer of the Credit Guard and it does not entail that the Insurance product is a Bank's product. Detail benefit, terms and condition are attached in the Policy Certificate issued by PT Prudential Life Assurance. Citibank is not responsible for the content of the Insurance Policy Certificate issued by PT Prudential Life Assurance inside Credit Guard Plus product. Prospective buyer of insurance product must read and obey with the terms and conditions of Credit Guard as stated in the Policy Certificate. Life Protector Berbagai tahapan kehidupan yang Anda lalui, membutuhkan kesiapan finansial. Menikah, membeli mobil, biaya pendidikan anak, renovasi rumah, semuanya tentu ingin Anda wujudkan. Bersama CitiFinancial yang telah membantu mewujudkan impian Anda, Sun Life Financial Indonesia memperkenalkan Life Protector untuk memberikan perlindungan asuransi terbaik bagi keluarga Anda, meraih apapun yang telah direncanakan bersama. Keluarga dapat

tetap hidup tenang walaupun Anda sudah tidak lagi bersama-sama mereka. Tidak perlu khawatir akan dana untuk melunasi pinjaman, Life Protector bahkan dapat membantu keluarga Anda membiayai kebutuhan finansial lainnya. Dapatkan manfaat asuransinya dengan premi yang sangat terjangkau dan cara pembayaran yang mudah. Anda hanya perlu melakukan pembayaran premi satu kali saja dan rasakan manfaat asuransi Life Protector hingga jangka waktu perlindungan Anda berakhir. Manfaat Asuransi Life Protector :

100% Uang Pertanggungan bila Tertanggung meninggal dunia karena sakit 200% Uang Pertanggungan bila Tertanggung meninggal dunia karena kecelakaan Uang Pertanggungan hingga maksimal 2.5 kali total pinjaman Anda atau maksimal Rp 300.000.000,-.

Syarat Keikutsertaan Life Protector: Anda berusia 21 55 tahun, mengisi formulir aplikasi Life Protector yang tersedia di kantor CitiFinancial terdekat pada saat pencairan pinjaman Anda Contoh Ilustrasi: Usia Nasabah: 35 tahun Total pinjaman Dana Tunai: Rp 10.000.000,Lama pinjaman Dana Tunai: 3 tahun Pertanggungan Life Protector yang dipilih: Rp 25.000.000, dengan Masa Asuransi 3 tahun. Premi Life Protector yang harus dibayar: Rp 300.000,- (pembayaran premi sekaligus untuk masa asuransi 3 tahun) Berdasarkan ilustrasi ini, maka apabila nasabah tersebut meninggal dunia karena sakit* selama periode pinjaman bersama CitiFinancial, keluarga sebagai ahli waris akan memperoleh uang Pertanggungan sebesar Rp 25.000.000 yang dapat digunakan untuk melunasi sisa pinjaman, dan Keluarga Anda juga masih memiliki sisa dana dari Uang Pertanggungan yang dapat digunakan untuk kebutuhan lainnya. Apabila nasabah meninggal dunia karena kecelakaan maka total Uang Pertanggungan yang diterima adalah 2 kali Uang Pertanggungan yaitu Rp 50.000.000,CATATAN PENTING UNTUK DIPERHATIKAN Life Protector adalah produk Asuransi dari PT Sun Life Financial Indonesia. Produk ini BUKAN tabungan, BUKAN deposito, BUKAN kewajiban dan TIDAK dijamin oleh Citibank, N.A (Citibank), Citigroup atau afiliasiafiliasinya. Produk asuransi ini tidak termasuk dalam cakupan program penjaminan LPS. Penggunaan logo Citibank adalah atas dasar persetujuan Citibank, sebagai wujud kerjasama antara Citibank dengan PT Sun Life Financial Indonesia dalam program Life Protector dan tidak dapat diartikan bahwa produk asuransi ini merupakan produk Bank. Rincian manfaat, syarat dan ketentuan asuransi yang mengikat terdapat dalam Sertifikat Polis yang diterbitkan oleh PT Sun Life Financial Indonesia. Citibank tidak bertanggungjawab atas isi dari Sertifikat Polis yang diterbitkan oleh PT Sun Life Financial Indonesia dalam produk Life Protector yang merupakan polis asuransi produk Life Protector. Pembeli produk asuransi Life Protector wajib membaca dan tunduk pada syarat dan ketentuan seperti tercantum dalam sertifikat polis Life Protector.

Cash loan
We will help you fulfilling your needs:

Do Home Improvement Take A Vacation Vehicle Repair Pay For Unexpected Expenses Pay for School Expenses Consolidate Debt, Reduce your monthly payments by consolidating all your debts into one easy monthly payment.

start realizing your dreams and enjoying these advantages:

Easy Start : Just click here and we will contact you shortly Fixed Interest Rates : Avoid surprises - your rate will not change during your loan repayment Easy documentations with no collaterals required Flexible monthly repayment options up to 48 months according to your financial ability Cash Loan up to IDR 200 million Insurance program is also available to protect your loan Saya memahami dan menyetujui bahwa persetujuan yang Saya berikan melalui fasilitas telepon yang telah direkam dengan petugas Citibank, atau yang Saya berikan melalui media komunikasi lainnya yang disediakan Citibank, adalah sah dan mengikat Saya untuk segala keperluan, termasuk tetapi tidak terbatas pada untuk meningkatkan pinjaman dalam hal Citibank memberikan penawaran untuk meningkatkan limit fasilitas Pinjaman Dana Ekspres Saya. Oleh karenanya saya juga memahami dan menyetujui Citibank setiap saat berhak menuangkan ke dalam catatan resmi yang dapat dipergunakan sebagai bukti yang sah atas transaksi yang Saya lakukan. Apabila permohonan peningkatan limit fasilitas Pinjaman Dana Ekspres Saya disetujui, maka Saya dengan ini memberikan instruksi kepada Citibank untuk mengkreditkan dana hasil pencairan fasilitas tersebut ke rekening saya sebagaimana tercantum di dalam formulir aplikasi ini setelah dikurangi dengan biaya administrasi yaitu maksimal sebesar 3% dari jumlah pinjaman yang disetujui atau minimal Rp.100.000,-. Dengan diterimanya dana hasil pencairan atas peningkatan limit fasilitas Pinjaman Dana Ekspres dari Citibank, Saya dengan ini menyatakan dan menyetujui untuk membayar pokok pinjaman dengan cara mencicil selama jangka waktu pinjaman ditambah dengan bunga yang telah disetujui dan di tetapkan oleh Citibank serta biaya-biaya lain yang timbul sehubungan diterimanya fasilitas tersebut termasuk biaya administasi dan tagihan yang tercantum dalam Lembaran Penagihan/Jadwal Pembayaran. Terms and Conditions applied.