Common use of Bound by other terms and conditions Clause in Contracts

Bound by other terms and conditions. (a) You agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits or services, which may from time to time be made available to you by us in connection with your card account, as the same may be amended or varied and notified to you from time to time. If there is any conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and Conditions), then subject to clause 19.3 the former will prevail and apply and the latter will be deemed to be modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which include: (i) providing updated and accurate account contact details for us to send you Citi Alerts (in accordance with your alert preferences); (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] responsibility to enable transaction notification alerts, to opt to receive all transaction notifications for all outgoing transactions of (any amount) made from your card account, and to monitor the transaction notifications sent to you”; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by us), (bb) not disclose your card account access codes in a recognizable way, (cc) not keep a record of your card account access codes in a way that allows a third party to easily misuse the access code; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) update the device’s browser to the latest version available; (bb) patch the device’s operating systems with regular security updates provided by the operating system provider; (cc) install and maintain the latest anti-virus software on the device, where applicable and (dd) use strong passwords, such as a mixture of letters, numbers and symbols; (vi) report unauthorized transactions to us (via the available reporting channels) as soon as practicable after receipt of any Citi Alert for any unauthorized transaction. Where such reporting is delayed, to provide us with reasons for the delayed report; (vii) provide us with information, upon our request, on any unauthorized transactions within a reasonable time; and (viii) make a police report if requested by us in order to facilitate our claims investigation process. For the purposes of clause 19.8(b) and (c), “unauthorized transaction” in relation to your card account, means any payment transaction initiated by any person without my actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences); (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards issued by us in Singapore.

Bound by other terms and conditions. (a) You agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits or services, which may from time to time be made available to you by us in connection with your card account, as the same may be amended or varied and notified to you from time to time. If there is any conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and Conditions), then subject to clause 19.3 23.3 the former will prevail and apply and the latter will be deemed to be modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which include: (i) providing updated and accurate account contact details for us to send you Citi Alerts (in accordance with your alert preferences); (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] responsibility to enable transaction notification alerts, to opt to receive all transaction notifications for all outgoing transactions of (any amount) made from your card account, and to monitor the transaction notifications sent to you”; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by us), (bb) not disclose your card account access codes in a recognizable way, (cc) not keep a record of your card account access codes in a way that allows a third party to easily misuse the access code; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) update the device’s browser to the latest version available; (bb) patch the device’s operating systems with regular security updates provided by the operating system provider; (cc) install and maintain the latest anti-virus software on the device, where applicable and (dd) use strong passwords, such as a mixture of letters, numbers and symbols; (vi) report unauthorized transactions to us (via the available reporting channels) as soon as practicable after receipt of any Citi Alert for any unauthorized transaction. Where such reporting is delayed, to provide us with reasons for the delayed report; (vii) provide us with information, upon our request, on any unauthorized transactions within a reasonable time; and (viii) make a police report if requested by us in order to facilitate our claims investigation process. For the purposes of clause 19.8(b23.8(b) and (c), “unauthorized transaction” in relation to your card account, means any payment transaction initiated by any person without my your actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences); (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c23.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards issued by us in Singapore.

Bound by other terms and conditions. (a) You agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits or services, which may from time to time be made available to you by us in connection with your card account, as the same may be amended or varied and notified to you from time to time. If there is any conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and Conditions), then subject to clause 19.3 the former will prevail and apply and the latter will be deemed to be modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which include: (i) providing updated and accurate account contact details for us to send you Citi Alerts (in accordance with your alert preferences); (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] responsibility to enable transaction notification alerts, to opt to receive all transaction notifications for all outgoing transactions of (any amount) made from your card account, and to monitor the transaction notifications sent to you”; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by us), (bb) not disclose your card account access codes in a recognizable way, (cc) not keep a record of your card account access codes in a way that allows a third party to easily misuse the access code; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/PIN/ password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) update the device’s browser to the latest version available; (bb) patch the device’s operating systems with regular security updates provided by the operating system provider; (cc) install and maintain the latest anti-virus software on the device, where applicable and (dd) use strong passwords, such as a mixture of letters, numbers and symbols; (vi) report unauthorized transactions to us (via the available reporting channels) as soon as practicable after receipt of any Citi Alert for any unauthorized transaction. Where such reporting is delayed, to provide us with reasons for the delayed report; (vii) provide us with information, upon our request, on any unauthorized transactions within a reasonable time; and (viii) make a police report if requested by us in order to facilitate our claims investigation process. For the purposes of clause 19.8(b) and (c), “unauthorized transaction” in relation to your card account, means any payment transaction initiated by any person without my your actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences); (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards issued by us in Singapore.

Bound by other terms and conditions. (a) You agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits or services, which may from time to time be made available to you by us in connection with your card account, as the same may be amended or varied and notified to you from time to time. If there is any conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and Conditions), then subject to clause 19.3 22.3 the former will prevail and apply and the latter will be deemed to be modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which include: (i) providing updated and accurate account contact details for us to send you Citi Alerts (in accordance with your alert preferences); (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] responsibility to enable transaction notification alerts, to opt to receive all transaction notifications for all outgoing transactions of (any amount) made from your card account, and to monitor the transaction notifications sent to you”; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by us), (bb) not disclose your card account access codes in a recognizable way, (cc) not keep a record of your card account access codes in a way that allows a third party to easily misuse the access code; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/PIN/ password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) update the device’s browser to the latest version available; (bb) patch the device’s operating systems with regular security updates provided by the operating system provider; (cc) install and maintain the latest anti-virus software on the device, where applicable and (dd) use strong passwords, such as a mixture of letters, numbers and symbols; (vi) report unauthorized transactions to us (via the available reporting channels) as soon as practicable after receipt of any Citi Alert for any unauthorized transaction. Where such reporting is delayed, to provide us with reasons for the delayed report; (vii) provide us with information, upon our request, on any unauthorized transactions within a reasonable time; and (viii) make a police report if requested by us in order to facilitate our claims investigation process. For the purposes of clause 19.8(b22.8(b) and (c), “unauthorized transaction” in relation to your card account, means any payment transaction initiated by any person without my your actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences); (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c22.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards issued by us in Singapore.

Bound by other terms and conditions. (a) You agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits or services, which may from time to time be made available to you by us in connection with your card account, as the same may be amended or varied and notified to you from time to time. If there is any conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and Conditions), then subject to clause 19.3 the former will prevail and apply and the latter will be deemed to be modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. For the purposes of this clause, “Alerts” refer to outgoing transaction notifications. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which include: (i) providing updated and accurate account contact details for us to send you Citi Alerts (in accordance with your alert preferences)) in real time or on a batched basis; (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] responsibility to enable transaction notification alerts, to opt to receive all transaction notifications for all outgoing transactions of (any amount) made from your card account, and to monitor the transaction notifications sent to you”; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by us), (bb) not disclose your card account access codes in a recognizable way, (cc) not keep a record of your card account access codes in a way that allows a third party to easily misuse the access code; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/PIN/ password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) update the device’s browser to the latest version available; (bb) patch the device’s operating systems with regular security updates provided by the operating system provider; (cc) install and maintain the latest anti-virus software on the device, where applicable and (dd) use strong passwords, such as a mixture of letters, numbers and symbols; (vi) report unauthorized transactions to us (via the available reporting channels) as soon as practicable after receipt of any Citi Alert for any unauthorized transaction. Where such reporting is delayed, to provide us with reasons for the delayed report; (vii) provide us with information, upon our request, on any unauthorized transactions within a reasonable time; and (viii) make a police report if requested by us in order to facilitate our claims investigation process. For the purposes of clause 19.8(b) and (c), “unauthorized transaction” in relation to your card account, means any payment transaction initiated by any person without my your actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences); (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards issued by us in Singapore.

Bound by other terms and conditions. (a) You agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits or services, which may from time to time be made available to you by us in connection with your card accountaccount (including but not limited to the Telephone Banking Service Terms and Conditions and the Citi M1 Visa Citi M1 Rebate – The Cash Rebate Program Terms and Conditions), as the same may be amended or varied and notified to you from time to time. If there is any conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and Conditions), then subject to clause 19.3 the former will prevail and apply and the latter will be deemed to be modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which include: (i) providing updated and accurate account contact details for us to send you Citi Alerts (in accordance with your alert preferences); (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] responsibility to enable transaction notification alerts, to opt to receive all transaction notifications for all outgoing transactions of (any amount) made from your card account, and to monitor the transaction notifications sent to you”; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by us), (bb) not disclose your card account access codes in a recognizable way, (cc) not keep a record of your card account access codes in a way that allows a third party to easily misuse the access code; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) update the device’s browser to the latest version available; (bb) patch the device’s operating systems with regular security updates provided by the operating system provider; (cc) install and maintain the latest anti-virus software on the device, where applicable and (dd) use strong passwords, such as a mixture of letters, numbers and symbols; (vi) report unauthorized transactions to us (via the available reporting channels) as soon as practicable after receipt of any Citi Alert for any unauthorized transaction. Where such reporting is delayed, to provide us with reasons for the delayed report; (vii) provide us with information, upon our request, on any unauthorized transactions within a reasonable time; and (viii) make a police report if requested by us in order to facilitate our claims investigation process. For the purposes of clause 19.8(b) and (c), “unauthorized transaction” in relation to your card account, means any payment transaction initiated by any person without my your actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or and/ or mobile number as provided by you (according to your alerts preferences); (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards issued by us in Singapore.

Bound by other terms and conditions. (a) You and/or the business member agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits or services, which may from time to time be made available to you and/or the business member by us in connection with your card account, as the same may be amended or varied and notified to you from time to time. If there is any conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and ConditionsConditions but excluding the Programme Agreement whereby the Programme Agreement will prevail), then then, subject to clause 19.3 19.3, the former will prevail and apply and the latter will be deemed to be modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which include: (i) providing updated and accurate account contact details for us to send you Citi Alerts (in accordance with your alert preferences); (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] responsibility to enable transaction notification alerts, to opt to receive all transaction notifications for all outgoing transactions of (any amount) made from your card account, and to monitor the transaction notifications sent to you”; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by us), (bb) not disclose your card account access codes in a recognizable way, (cc) not keep a record of your card account access codes in a way that allows a third party to easily misuse the access code; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/PIN/ password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) update the device’s browser to the latest version available; (bb) patch the device’s operating systems with regular security updates provided by the operating system provider; (cc) install and maintain the latest anti-virus software on the device, where applicable and (dd) use strong passwords, such as a mixture of letters, numbers and symbols; (vi) report unauthorized transactions to us (via the available reporting channels) as soon as practicable after receipt of any Citi Alert for any unauthorized transaction. Where such reporting is delayed, to provide us with reasons for the delayed report; (vii) provide us with information, upon our request, on any unauthorized transactions within a reasonable time; and (viii) make a police report if requested by us in order to facilitate our claims investigation process. For the purposes of clause 19.8(b) and (c), “unauthorized transaction” in relation to your card account, means any payment transaction initiated by any person without my your actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences); (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards issued by us in Singapore.

Bound by other terms and conditions. (a) You and/or the business member agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits benefi ts or services, which may from time to time be made available to you and/or the business member by us in connection with your card account, as the same may be amended or varied and notified to you from time to time. If there is any conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and Conditions), then then, subject to clause 19.3 19.3, the former will prevail and apply and the latter will be deemed to be modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which include: (i) providing updated and accurate account contact details for us to send you Citi Alerts (in accordance with your alert preferences); (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] responsibility to enable transaction notification alerts, to opt to receive all transaction notifications for all outgoing transactions of (any amount) made from your card account, and to monitor the transaction notifications sent to you”; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by us), (bb) not disclose your card account access codes in a recognizable way, (cc) not keep a record of your card account access codes in a way that allows a third party to easily misuse the access code; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/PIN/ password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) update the device’s browser to the latest version available; (bb) patch the device’s operating systems with regular security updates provided by the operating system provider; (cc) install and maintain the latest anti-virus software on the device, where applicable and (dd) use strong passwords, such as a mixture of letters, numbers and symbols; (vi) report unauthorized transactions to us (via the available reporting channels) as soon as practicable after receipt of any Citi Alert for any unauthorized transaction. Where such reporting is delayed, to provide us with reasons for the delayed report; (vii) provide us with information, upon our request, on any unauthorized transactions within a reasonable time; and (viii) make a police report if requested by us in order to facilitate our claims investigation process. For the purposes of clause 19.8(b) and (c), “unauthorized transaction” in relation to your card account, means any payment transaction initiated by any person without my your actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences); (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards issued by us in Singapore.

Bound by other terms and conditions. (a) You agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits or services, which may from time to time be made available to you by us in connection with your card Card account, as the same may be amended or varied and notified to you from time to time. If there is any conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and Conditions), then subject to clause 19.3 21.3 the former will prevail and apply and the latter will be deemed to be modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. Without prejudice to the foregoing, where your Card incoporates the ez-link Facility, and where the ez-link facility is linked to the EZL Auto Top-up Facility, the Terms and Conditions for the Issue and Use of EZL Auto Top-up Facility Enabled ez-link Cards shall also apply. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card Card account, which include: (i) providing updated and accurate account contact details for us to send you Citi Alerts (in accordance with your alert preferences); (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] responsibility to enable transaction notification alerts, to opt to receive all transaction notifications for all outgoing transactions of (any amount) made from your card Card account, and to monitor the transaction notifications sent to you”; (iii) (aa) not voluntarily disclosing your card Card account access codes to a third party (except as instructed by us), (bb) not disclose your card Card account access codes in a recognizable way, (cc) not keep a record of your card Card account access codes in a way that allows a third party to easily misuse the access code; (iv) protecting your login credentials to your card Card account, where login credentials include your login ID, access code, PIN/PIN/ password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card Card account, you should (aa) update the device’s browser to the latest version available; (bb) patch the device’s operating systems with regular security updates provided by the operating system provider; (cc) install and maintain the latest anti-virus software on the device, where applicable and (dd) use strong passwords, such as a mixture of letters, numbers and symbols; (vi) report unauthorized transactions to us (via the available reporting channels) as soon as practicable after receipt of any Citi Alert for any unauthorized transaction. Where such reporting is delayed, to provide us with reasons for the delayed report; (vii) provide us with information, upon our request, on any unauthorized transactions within a reasonable time; and (viii) make a police report if requested by us in order to facilitate our claims investigation process. For the purposes of clause 19.8(b21.8(b) and (c), “unauthorized transaction” in relation to your card Card account, means any payment transaction initiated by any person without my your actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences); (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c21.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards Cards issued by us in Singapore.

Bound by other terms and conditions. (a) You agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits benefits or services, which may from time to time be made available to you by us in connection with your card account, as the same may be amended or varied and notified notified to you from time to time. If there is any conflict conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and Conditions), then subject to clause 19.3 the former will prevail and apply and the latter will be deemed to be modified modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which include: (i) providing updated and accurate account contact details for us to send you Citi Alerts (in accordance with your alert preferences); (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] responsibility to enable transaction notification notification alerts, to opt to receive all transaction notifications notifications for all outgoing transactions of (any amount) made from your card account, and to monitor the transaction notifications notifications sent to you”; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by us), (bb) not disclose your card account access codes in a recognizable way, (cc) not keep a record of your card account access codes in a way that allows a third party to easily misuse the access code; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) update the device’s browser to the latest version available; (bb) patch the device’s operating systems with regular security updates provided by the operating system provider; (cc) install and maintain the latest anti-virus software on the device, where applicable and (dd) use strong passwords, such as a mixture of letters, numbers and symbols; (vi) report unauthorized transactions to us (via the available reporting channels) as soon as practicable after receipt of any Citi Alert for any unauthorized transaction. Where such reporting is delayed, to provide us with reasons for the delayed report; (vii) provide us with information, upon our request, on any unauthorized transactions within a reasonable time; and (viii) make a police report if requested by us in order to facilitate our claims investigation process. For the purposes of clause 19.8(b) and (c), “unauthorized transaction” in relation to your card account, means any payment transaction initiated by any person without my actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences); (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards issued by us in Singapore.

Bound by other terms and conditions. (a) You agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits benefits or services, which may from time to time be made available to you by us in connection with your card account, as the same may be amended or varied and notified notified to you from time to time. If there is any conflict conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and Conditions), then subject to clause 19.3 23.3 the former will prevail and apply and the latter will be deemed to be modified modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which include: (i) providing updated and accurate account contact details for us to send you Citi Alerts (in accordance with your alert preferences); (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] responsibility to enable transaction notification notification alerts, to opt to receive all transaction notifications notifications for all outgoing transactions of (any amount) made from your card account, and to monitor the transaction notifications notifications sent to you”; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by us), (bb) not disclose your card account access codes in a recognizable way, (cc) not keep a record of your card account access codes in a way that allows a third party to easily misuse the access code; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) update the device’s browser to the latest version available; (bb) patch the device’s operating systems with regular security updates provided by the operating system provider; (cc) install and maintain the latest anti-virus software on the device, where applicable and (dd) use strong passwords, such as a mixture of letters, numbers and symbols; (vi) report unauthorized transactions to us (via the available reporting channels) as soon as practicable after receipt of any Citi Alert for any unauthorized transaction. Where such reporting is delayed, to provide us with reasons for the delayed report; (vii) provide us with information, upon our request, on any unauthorized transactions within a reasonable time; and (viii) make a police report if requested by us in order to facilitate our claims investigation process. For the purposes of clause 19.8(b23.8(b) and (c), “unauthorized transaction” in relation to your card account, means any payment transaction initiated by any person without my your actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences); (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c23.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards issued by us in Singapore.

Bound by other terms and conditions. (a) You agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits or services, which may from time to time be made available to you by us in connection with your card account, as the same may be amended or varied and notified to you from time to time. If there is any conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and Conditions), then subject to clause 19.3 the former will prevail and apply and the latter will be deemed to be modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which include: (i) providing updated and accurate account contact details for us to send you Citi Alerts (in accordance with your alert preferences); (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] responsibility to enable transaction notification alerts, to opt to receive all transaction notifications for all outgoing transactions of (any amount) made from your card account, and to monitor the transaction notifications sent to you”; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by us), (bb) not disclose your card account access codes in a recognizable way, (cc) not keep a record of your card account access codes in a way that allows a third party to easily misuse the access code; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) update the device’s browser to the latest version available; (bb) patch the device’s operating systems with regular security updates provided by the operating system provider; (cc) install and maintain the latest anti-virus software on the device, where applicable and (dd) use strong passwords, such as a mixture of letters, numbers and symbols; (vi) report unauthorized transactions to us (via the available reporting channels) as soon as practicable after receipt of any Citi Alert for any unauthorized transaction. Where such reporting is delayed, to provide us with reasons for the delayed report; (vii) provide us with information, upon our request, on any unauthorized transactions within a reasonable time; and (viii) make a police report if requested by us in order to facilitate our claims investigation process. For the purposes of clause 19.8(b19.8 (b) and (c), “unauthorized transaction” in relation to your card account, means any payment transaction initiated by any person without my actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences); (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards issued by us in Singapore.

Bound by other terms and conditions. (a) You agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits or services, which may from time to time be made available to you by us in connection with your card Card account, as the same may be amended or varied and notified to you from time to time. If there is any conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and Conditions), then subject to clause 19.3 21.3 the former will prevail and apply and the latter will be deemed to be modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. Without prejudice to the foregoing, where the ez-link facility is linked to the EZL Auto Top-up Facility, the Terms and Conditions for the Issue and Use of EZL Auto Top-up Facility Enabled ez-link Cards shall also apply. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card Card account, which include: (i) providing updated and accurate account contact details for us to send you Citi Alerts (in accordance with your alert preferences); (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] responsibility to enable transaction notification alerts, to opt to receive all transaction notifications for all outgoing transactions of (any amount) made from your card Card account, and to monitor the transaction notifications sent to you”; (iii) (aa) not voluntarily disclosing your card Card account access codes to a third party (except as instructed by us), (bb) not disclose your card Card account access codes in a recognizable way, (cc) not keep a record of your card Card account access codes in a way that allows a third party to easily misuse the access code; (iv) protecting your login credentials to your card Card account, where login credentials include your login ID, access code, PIN/PIN/ password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card Card account, you should (aa) update the device’s browser to the latest version available; (bb) patch the device’s operating systems with regular security updates provided by the operating system provider; (cc) install and maintain the latest anti-virus software on the device, where applicable and (dd) use strong passwords, such as a mixture of letters, numbers and symbols; (vi) report unauthorized transactions to us (via the available reporting channels) as soon as practicable after receipt of any Citi Alert for any unauthorized transaction. Where such reporting is delayed, to provide us with reasons for the delayed report; (vii) provide us with information, upon our request, on any unauthorized transactions within a reasonable time; and (viii) make a police report if requested by us in order to facilitate our claims investigation process. For the purposes of clause 19.8(b21.8(b) and (c), “unauthorized transaction” in relation to your card Card account, means any payment transaction initiated by any person without my your actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences); (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c21.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards Cards issued by us in Singapore.

Bound by other terms and conditions. (a) You agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits or services, which may from time to time be made available to you by us in connection with your card account, as the same may be amended or varied and notified to you from time to time. If there is any conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and Conditions), then subject to clause 19.3 21.3 the former will prevail and apply and the latter will be deemed to be modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. Without prejudice to the foregoing, where the ez-link facility is linked to the EZ - Reload By Card Facility, the Terms and Conditions for the Issue and Use of EZ - Reload By Card Facility Enabled ez-link Cards shall also apply. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which include: (i) providing updated and accurate account contact details for us to send you Citi Alerts (in accordance with your alert preferences); (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] responsibility to enable transaction notification alerts, to opt to receive all transaction notifications for all outgoing transactions of (any amount) made from your card account, and to monitor the transaction notifications sent to you”; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by us), (bb) not disclose your card account access codes in a recognizable way, (cc) not keep a record of your card account access codes in a way that allows a third party to easily misuse the access code; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/PIN/ password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) update the device’s browser to the latest version available; (bb) patch the device’s operating systems with regular security updates provided by the operating system provider; (cc) install and maintain the latest anti-virus software on the device, where applicable and (dd) use strong passwords, such as a mixture of letters, numbers and symbols; (vi) report unauthorized transactions to us (via the available reporting channels) as soon as practicable after receipt of any Citi Alert for any unauthorized transaction. Where such reporting is delayed, to provide us with reasons for the delayed report; (vii) provide us with information, upon our request, on any unauthorized transactions within a reasonable time; and (viii) make a police report if requested by us in order to facilitate our claims investigation process. For the purposes of clause 19.8(b21.8(b) and (c), “unauthorized transaction” in relation to your card account, means any payment transaction initiated by any person without my your actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences); (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c21.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards issued by us in Singapore.

Bound by other terms and conditions. (a) You agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits benefits or services, which may from time to time be made available to you by us in connection with your card account, as the same may be amended or varied and notified notified to you from time to time. If there is any conflict conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and Conditions), then subject to clause 19.3 the former will prevail and apply and the latter will be deemed to be modified modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which include: (i) providing updated and accurate account contact details for us to send you Citi Alerts (in accordance with your alert preferences); (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] responsibility to enable transaction notification notification alerts, to opt to receive all transaction notifications notifications for all outgoing transactions of (any amount) made from your card account, and to monitor the transaction notifications notifications sent to you”; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by us), (bb) not disclose your card account access codes in a recognizable way, (cc) not keep a record of your card account access codes in a way that allows a third party to easily misuse the access code; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/PIN/ password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) update the device’s browser to the latest version available; (bb) patch the device’s operating systems with regular security updates provided by the operating system provider; (cc) install and maintain the latest anti-virus software on the device, where applicable and (dd) use strong passwords, such as a mixture of letters, numbers and symbols; (vi) report unauthorized transactions to us (via the available reporting channels) as soon as practicable after receipt of any Citi Alert for any unauthorized transaction. Where such reporting is delayed, to provide us with reasons for the delayed report; (vii) provide us with information, upon our request, on any unauthorized transactions within a reasonable time; and (viii) make a police report if requested by us in order to facilitate our claims investigation process. For the purposes of clause 19.8(b) and (c), “unauthorized transaction” in relation to your card account, means any payment transaction initiated by any person without my your actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences); (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards issued by us in Singapore.

Bound by other terms and conditions. (a) You and/or the business member agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits benefits or services, which may from time to time be made available to you and/or the business member by us in connection with your card account, as the same may be amended or varied and notified to you from time to time. If there is any conflict conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and ConditionsConditions but excluding the Programme Agreement whereby the Programme Agreement will prevail), then then, subject to clause 19.3 19.3, the former will prevail and apply and the latter will be deemed to be modified modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which include: (i) providing updated and accurate account contact details for us to send you Citi Alerts (in accordance with your alert preferences); (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] responsibility to enable transaction notification notification alerts, to opt to receive all transaction notifications notifications for all outgoing transactions of (any amount) made from your card account, and to monitor the transaction notifications notifications sent to you”; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by us), (bb) not disclose your card account access codes in a recognizable way, (cc) not keep a record of your card account access codes in a way that allows a third party to easily misuse the access code; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/PIN/ password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) update the device’s browser to the latest version available; (bb) patch the device’s operating systems with regular security updates provided by the operating system provider; (cc) install and maintain the latest anti-virus software on the device, where applicable and (dd) use strong passwords, such as a mixture of letters, numbers and symbols; (vi) report unauthorized transactions to us (via the available reporting channels) as soon as practicable after receipt of any Citi Alert for any unauthorized transaction. Where such reporting is delayed, to provide us with reasons for the delayed report; (vii) provide us with information, upon our request, on any unauthorized transactions within a reasonable time; and (viii) make a police report if requested by us in order to facilitate our claims investigation process. For the purposes of clause 19.8(b) and (c), “unauthorized transaction” in relation to your card account, means any payment transaction initiated by any person without my your actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences); (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards issued by us in Singapore.

Bound by other terms and conditions. (a) You agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits or services, which may from time to time be made available to you by us in connection with your card account, as the same may be amended or varied and notified to you from time to time. If there is any conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and Conditions), then subject to clause 19.3 the former will prevail and apply and the latter will be deemed to be modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. For the purposes of this clause, “Alerts” refer to outgoing transaction notifications. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which include: (i) providing updated and accurate account contact details for us to send you Citi Alerts (in accordance with your alert preferences)) in real time or on a batched basis; (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] responsibility to enable transaction notification alerts, to opt to receive all transaction notifications for all outgoing transactions of (any amount) made from your card account, and to monitor the transaction notifications sent to you”; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by us), (bb) not disclose your card account access codes in a recognizable way, (cc) not keep a record of your card account access codes in a way that allows a third party to easily misuse the access code; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) update the device’s browser to the latest version available; (bb) patch the device’s operating systems with regular security updates provided by the operating system provider; (cc) install and maintain the latest anti-virus software on the device, where applicable and (dd) use strong passwords, such as a mixture of letters, numbers and symbols; (vi) report unauthorized transactions to us (via the available reporting channels) as soon as practicable after receipt of any Citi Alert for any unauthorized transaction. Where such reporting is delayed, to provide us with reasons for the delayed report; (vii) provide us with information, upon our request, on any unauthorized transactions within a reasonable time; and (viii) make a police report if requested by us in order to facilitate our claims investigation process. For the purposes of clause 19.8(b) and (c), “unauthorized transaction” in relation to your card account, means any payment transaction initiated by any person without my actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences), in real time or on a batched basis; (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards issued by us in Singapore.

Bound by other terms and conditions. (a) You agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits or services, which may from time to time be made available to you by us in connection with your card account, as the same may be amended or varied and notified to you from time to time. If there is any conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and Conditions), then subject to clause 19.3 23.3 the former will prevail and apply and the latter will be deemed to be modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. For the purposes of this clause, “Alerts” refer to outgoing transaction notifications. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which include: (i) providing updated and accurate account contact details for us to send you Citi Alerts (in accordance with your alert preferences)) in real time or on a batched basis; (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] responsibility to enable transaction notification alerts, to opt to receive all transaction notifications for all outgoing transactions of (any amount) made from your card account, and to monitor the transaction notifications sent to you”; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by us), (bb) not disclose your card account access codes in a recognizable way, (cc) not keep a record of your card account access codes in a way that allows a third party to easily misuse the access code; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) update the device’s browser to the latest version available; (bb) patch the device’s operating systems with regular security updates provided by the operating system provider; (cc) install and maintain the latest anti-virus software on the device, where applicable and (dd) use strong passwords, such as a mixture of letters, numbers and symbols; (vi) report unauthorized transactions to us (via the available reporting channels) as soon as practicable after receipt of any Citi Alert for any unauthorized transaction. Where such reporting is delayed, to provide us with reasons for the delayed report; (vii) provide us with information, upon our request, on any unauthorized transactions within a reasonable time; and (viii) make a police report if requested by us in order to facilitate our claims investigation process. For the purposes of clause 19.8(b23.8(b) and (c), “unauthorized transaction” in relation to your card account, means any payment transaction initiated by any person without my your actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences); (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c23.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards issued by us in Singapore.

Bound by other terms and conditions. (a) You agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits or services, which may from time to time be made available to you by us in connection with your card account, as the same may be amended or varied and notified to you from time to time. If there is any conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and Conditions), then subject to clause 19.3 the former will prevail and apply and the latter will be deemed to be modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. For the purposes of this clause, “Alerts” refer to outgoing transaction notifications. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which include: (i) providing updated and accurate account contact details for us to send you Citi Alerts (in accordance with your alert preferences)) in real time or on a batched basis; (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] responsibility to enable transaction notification alerts, to opt to receive all transaction notifications for all outgoing transactions of (any amount) made from your card account, and to monitor the transaction notifications sent to you”; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by us), (bb) not disclose your card account access codes in a recognizable way, (cc) not keep a record of your card account access codes in a way that allows a third party to easily misuse the access code; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) update the device’s browser to the latest version available; (bb) patch the device’s operating systems with regular security updates provided by the operating system provider; (cc) install and maintain the latest anti-virus software on the device, where applicable and (dd) use strong passwords, such as a mixture of letters, numbers and symbols; (vi) report unauthorized transactions to us (via the available reporting channels) as soon as practicable after receipt of any Citi Alert for any unauthorized transaction. Where such reporting is delayed, to provide us with reasons for the delayed report; (vii) provide us with information, upon our request, on any unauthorized transactions within a reasonable time; and (viii) make a police report if requested by us in order to facilitate our claims investigation process. For the purposes of clause 19.8(b) and (c), “unauthorized transaction” in relation to your card account, means any payment transaction initiated by any person without my actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences); (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards issued by us in Singapore.

Bound by other terms and conditions. (a) You agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits or services, which may from time to time be made available to you by us in connection with your card account, as the same may be amended or varied and notified to you from time to time. If there is any conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and Conditions), then subject to clause 19.3 the former will prevail and apply and the latter will be deemed to be modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. For the purposes of this clause, “Alerts” refer to outgoing transaction notifications. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which include: (i) providing updated and accurate account contact details for us to send you Citi Alerts (in accordance with your alert preferences), in real time or on a batched basis; (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] responsibility to enable transaction notification alerts, to opt to receive all transaction notifications for all outgoing transactions of (any amount) made from your card account, and to monitor the transaction notifications sent to you”; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by us), (bb) not disclose your card account access codes in a recognizable way, (cc) not keep a record of your card account access codes in a way that allows a third party to easily misuse the access code; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) update the device’s browser to the latest version available; (bb) patch the device’s operating systems with regular security updates provided by the operating system provider; (cc) install and maintain the latest anti-virus software on the device, where applicable and (dd) use strong passwords, such as a mixture of letters, numbers and symbols; (vi) report unauthorized transactions to us (via the available reporting channels) as soon as practicable after receipt of any Citi Alert for any unauthorized transaction. Where such reporting is delayed, to provide us with reasons for the delayed report; (vii) provide us with information, upon our request, on any unauthorized transactions within a reasonable time; and (viii) make a police report if requested by us in order to facilitate our claims investigation process. For the purposes of clause 19.8(b) and (c), “unauthorized transaction” in relation to your card account, means any payment transaction initiated by any person without my actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences), in real time or on a batched basis; (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards issued by us in Singapore.

Bound by other terms and conditions. (a) You agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits or services, which may from time to time be made available to you by us in connection with your card Card account, as the same may be amended or varied and notified to you from time to time. If there is any conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and Conditions), then subject to clause 19.3 21.3 the former will prevail and apply and the latter will be deemed to be modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. For the purposes of this clause, “Alerts” refer to outgoing transaction notifications. Without prejudice to the foregoing, where your Card incoporates the ez-link Facility, and where the ez-link facility is linked to the EZL Auto Top-up Facility, the Terms and Conditions for the Issue and Use of EZL Auto Top-up Facility Enabled ez-link Cards shall also apply. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card Card account, which include: (i) providing updated and accurate account contact details for us to send you Citi Alerts (in accordance with your alert preferences)) in real time or on a batched basis; (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] responsibility to enable transaction notification alerts, to opt to receive all transaction notifications for all outgoing transactions of (any amount) made from your card Card account, and to monitor the transaction notifications sent to you”; (iii) (aa) not voluntarily disclosing your card Card account access codes to a third party (except as instructed by us), (bb) not disclose your card Card account access codes in a recognizable way, (cc) not keep a record of your card Card account access codes in a way that allows a third party to easily misuse the access code; (iv) protecting your login credentials to your card Card account, where login credentials include your login ID, access code, PIN/PIN/ password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card Card account, you should (aa) update the device’s browser to the latest version available; (bb) patch the device’s operating systems with regular security updates provided by the operating system provider; (cc) install and maintain the latest anti-virus software on the device, where applicable and (dd) use strong passwords, such as a mixture of letters, numbers and symbols; (vi) report unauthorized transactions to us (via the available reporting channels) as soon as practicable after receipt of any Citi Alert for any unauthorized transaction. Where such reporting is delayed, to provide us with reasons for the delayed report; (vii) provide us with information, upon our request, on any unauthorized transactions within a reasonable time; and (viii) make a police report if requested by us in order to facilitate our claims investigation process. For the purposes of clause 19.8(b21.8(b) and (c), “unauthorized transaction” in relation to your card Card account, means any payment transaction initiated by any person without my your actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences); (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c21.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards Cards issued by us in Singapore.

Bound by other terms and conditions. (a) You and/or the business member agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits benefi ts or services, which may from time to time be made available to you and/or the business member by us in connection with your card account, as the same may be amended or varied and notified to you from time to time. If there is any conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and Conditions), then then, subject to clause 19.3 19.3, the former will prevail and apply and the latter will be deemed to be modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. For the purposes of this clause, “Alerts” refer to outgoing transaction notifications. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which include: (i) providing updated and accurate account contact details for us to send you Citi Alerts (in accordance with your alert preferences)) in real time or on a batched basis; (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] responsibility to enable transaction notification alerts, to opt to receive all transaction notifications for all outgoing transactions of (any amount) made from your card account, and to monitor the transaction notifications sent to you”; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by us), (bb) not disclose your card account access codes in a recognizable way, (cc) not keep a record of your card account access codes in a way that allows a third party to easily misuse the access code; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/PIN/ password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) update the device’s browser to the latest version available; (bb) patch the device’s operating systems with regular security updates provided by the operating system provider; (cc) install and maintain the latest anti-virus software on the device, where applicable and (dd) use strong passwords, such as a mixture of letters, numbers and symbols; (vi) report unauthorized transactions to us (via the available reporting channels) as soon as practicable after receipt of any Citi Alert for any unauthorized transaction. Where such reporting is delayed, to provide us with reasons for the delayed report; (vii) provide us with information, upon our request, on any unauthorized transactions within a reasonable time; and (viii) make a police report if requested by us in order to facilitate our claims investigation process. For the purposes of clause 19.8(b) and (c), “unauthorized transaction” in relation to your card account, means any payment transaction initiated by any person without my your actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences); (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards issued by us in Singapore.

Bound by other terms and conditions. (a) You agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits or services, which may from time to time be made available to you by us in connection with your card account, as the same may be amended or varied and notified to you from time to time. If there is any conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and Conditions), then subject to clause 19.3 the former will prevail and apply and the latter will be deemed to be modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. For the purposes of this clause, “Alerts” refer to outgoing transaction notifications. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which include: (i) providing updated and accurate account contact details for us to send you Citi Alerts (in accordance with your alert preferences)) in real time or on a batched basis; (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] responsibility to enable transaction notification alerts, to opt to receive all transaction notifications for all outgoing transactions of (any amount) made from your card account, and to monitor the transaction notifications sent to you”; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by us), (bb) not disclose your card account access codes in a recognizable way, (cc) not keep a record of your card account access codes in a way that allows a third party to easily misuse the access code; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) update the device’s browser to the latest version available; (bb) patch the device’s operating systems with regular security updates provided by the operating system provider; (cc) install and maintain the latest anti-virus software on the device, where applicable and (dd) use strong passwords, such as a mixture of letters, numbers and symbols; (vi) report unauthorized transactions to us (via the available reporting channels) as soon as practicable after receipt of any Citi Alert for any unauthorized transaction. Where such reporting is delayed, to provide us with reasons for the delayed report; (vii) provide us with information, upon our request, on any unauthorized transactions within a reasonable time; and (viii) make a police report if requested by us in order to facilitate our claims investigation process. For the purposes of clause 19.8(b19.8 (b) and (c), “unauthorized transaction” in relation to your card account, means any payment transaction initiated by any person without my actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences); (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards issued by us in Singapore.

Bound by other terms and conditions. (a) You agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits or services, which may from time to time be made available to you by us in connection with your card account, as the same may be amended or varied and notified to you from time to time. If there is any conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and Conditions), then subject to clause 19.3 the former will prevail and apply and the latter will be deemed to be modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. For the purposes of this clause, “Alerts” refer to notification alerts for outgoing payment transactions, activation of digital security token (which includes our Citi Mobile App with enhanced security) and the conduct of high-risk activities made from your card account, where the context applies. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which includeinclude but are not limited to the following: (i) providing updated and accurate account contact details (including mobile phone number and email address) for us to send you Citi Alerts (in accordance with your alert preferences)) in real time or on a batched basis; (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] your responsibility to enable transaction notification alertsalerts on any device used to receive notification alerts from the responsible financial institution, to opt to receive all transaction notification alerts via SMS, email or in-app/push notifications for all outgoing payment transactions of (any amountamount that is above the transaction notification threshold), activation of digital security token (which includes our Citi Mobile App with enhanced security) and the conduct of high-risk activities made from your card account, and to monitor the transaction notifications notification alerts sent to you”. You acknowledge that we may assume that you will monitor such notification alerts without further reminders or repeat notifications. All reference to “high-risk activities” in this clause refer to the definition under the Guidelines; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by usincluding our staff), (bb) not disclose disclosing your card account access codes in a recognizable way, (cc) not keep keeping a record of your card account access codes in a way that allows a third party to easily misuse the your card account access code. All references to access codes in this clause refer to the definition under the Guidelines; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) download our Citi Mobile App only from official sources such as Apple App Store or Google Play Store; (bb) update the device’s browser to the latest version available; (bbcc) patch the device’s operating systems with regular security updates provided by the operating system provider; (ccdd) install and maintain the latest anti-virus software on the device, where applicable and (ddee) use strong passwords, such as a mixture of letters, numbers and symbolssymbols or strong authentication methods made available by the device provider such as facial recognition or fingerprint authentication methods; (ff) not root or jailbreak the devices used; (gg) not download and install applications from third-party websites outside official sources (i.e. sideload apps), in particular unverified applications which request device permissions that are unrelated to their intended functionalities; (vi) report reading content sent with access codes before completing payment transactions or high-risk activities. Examples include content sent with OTPs sent via SMS or equivalent push notifications via the Citi Mobile App; (vii) referring to official sources to obtain our Citibank website address and phone number such as the MAS Financial Institutions Directory, our Citi Mobile App or the back of your card and to contact us using only the contact details obtained from official sources; (viii) not clicking on links or scan QR codes purportedly sent by us unless you are expecting to receive information on our products and services via these links or QR codes. You acknowledge that we would not send you links or QR codes which directly result you in providing us any access code or to make a payment transaction or high-risk activity; (ix) reading the risk warning messages sent by us and not to perform any high-risk activities unless you understand the risk and implications of doing so. You agree that by proceeding to perform the high-risk activities, you have read and understood the risks and implications as presented by us; (x) reporting any unauthorized transactions activity to us (via the available reporting channels) as soon as practicable practicable, and no later than 30 days after receipt of any Citi Alert for any unauthorized transactionactivity on your card account (e.g. transactions, high-risk activities, and the activation of a digital security token (which includes our Citi Mobile App with enhanced security), that has not been initiated by you or with your consent). Where such reporting is delayed, to provide us with reasons for the delayed report; (viixi) provide activating our Kill Switch feature on the Citi Mobile App promptly to block further mobile and online access to your card account as soon as practicable after you are notified of any unauthorised transactions and have reason to believe that your card account has been compromised, or if you are unable to contact us; (xii) providing us with information, upon our request, on any unauthorized transactions within a reasonable time. As set out in the Guidelines, information that may be requested will include (aa) how you recorded your card account access codes and whether you had disclosed your card account access codes to anyone; (bb) a description of the scam incident, including details of the communications with the suspected scammer(s); (cc) details of the remote software downloaded (if any) as instructed by the scammer(s); (dd) whether you had received any OTPs and/or transaction notifications sent by us, and where applicable/possible a confirmation from telecommunication operators to verify the receipt status only if you are able to obtain it; and (ee) suspected compromised applications (if any) in your device; and (viiixiii) make making a police report as soon as practicable if requested by us in order to facilitate our claims investigation processprocess and provide that to us within 3 calendar days of our request. You further agree to cooperate with the Police and provide evidence (for example, you can furnish your mobile device to the Police for forensics investigation) as far as practicable. For the purposes of clause 19.8(b) and (c), unauthorized activity includes an “unauthorized transaction” which in relation to your card account, means any payment transaction initiated by any person without my your actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or mobile number . This includes “seemingly authorized transactions” as provided by you (according to your alerts preferences); (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support defined in the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions Guidelines to the available reporting channelsShared Responsibility Framework issued by the MAS and the Infocomm Media Development Authority of Singapore. For the purposes of clause 19.8(c19.8(b) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring transfer or withdrawing withdrawal of money, irrespective whether for the purpose of paying for goods or services or any underlying obligations between other purpose; and regardless of whether the payer or payeeintended recipient of the money is entitled to the money, where the act placing, transfer or withdrawal of money is initiated through electronic means and where the money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards issued by us in Singapore.

Bound by other terms and conditions. (a) You and/or the business member agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits benefi ts or services, which may from time to time be made available to you and/or the business member by us in connection with your card account, as the same may be amended or varied and notified to you from time to time. If there is any conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and Conditions), then then, subject to clause 19.3 19.3, the former will prevail and apply and the latter will be deemed to be modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. For the purposes of this clause, “Alerts” refer to outgoing transaction notifications. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which include: (i) providing updated and accurate account contact details for us to send you Citi Alerts (in accordance with your alert preferences)) in real time or on a batched basis; (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] responsibility to enable transaction notification alerts, to opt to receive all transaction notifications for all outgoing transactions of (any amount) made from your card account, and to monitor the transaction notifications sent to you”; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by us), (bb) not disclose your card account access codes in a recognizable way, (cc) not keep a record of your card account access codes in a way that allows a third party to easily misuse the access code; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) update the device’s browser to the latest version available; (bb) patch the device’s operating systems with regular security updates provided by the operating system provider; (cc) install and maintain the latest anti-virus software on the device, where applicable and (dd) use strong passwords, such as a mixture of letters, numbers and symbols; (vi) report unauthorized transactions to us (via the available reporting channels) as soon as practicable after receipt of any Citi Alert for any unauthorized transaction. Where such reporting is delayed, to provide us with reasons for the delayed report; (vii) provide us with information, upon our request, on any unauthorized transactions within a reasonable time; and (viii) make a police report if requested by us in order to facilitate our claims investigation process. For the purposes of clause 19.8(b) and (c), “unauthorized transaction” in relation to your card account, means any payment transaction initiated by any person without my your actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences); (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards issued by us in Singapore.

Bound by other terms and conditions. (a) You agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits or services, which may from time to time be made available to you by us in connection with your card Card account, as the same may be amended or varied and notified to you from time to time. If there is any conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and Conditions), then subject to clause 19.3 21.3 the former will prevail and apply and the latter will be deemed to be modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. For the purposes of this clause, “Alerts” refer to notification alerts for outgoing payment transactions, activation of digital security token (which includes our Citi Mobile App with enhanced security) and the conduct of high-risk activities made from your Card account, where the context applies. Without prejudice to the foregoing, where your Card incoporates the ez-link Facility, and where the ez-link facility is linked to the EZL Auto Top-up Facility, the Terms and Conditions for the Issue and Use of EZL Auto Top-up Facility Enabled ez-link Cards shall also apply. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card Card account, which includeinclude but are not limited to the following: (i) providing updated and accurate account contact details (including mobile phone number and email address) for us to send you Citi Alerts (in accordance with your alert preferences)) in real time or on a batched basis; (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] your responsibility to enable transaction notification alertsalerts on any device used to receive notification alerts from the responsible financial institution, to opt to receive all transaction notification alerts via SMS, email or in-app/push notifications for all outgoing payment transactions of (any amountamount that is above the transaction notification threshold), activation of digital security token (which includes our Citi Mobile App with enhanced security) and the conduct of high-risk activities made from your card Card account, and to monitor the transaction notifications notification alerts sent to you”. You acknowledge that we may assume that you will monitor such notification alerts without further reminders or repeat notifications. All reference to “high-risk activities” in this clause refer to the definition under the Guidelines; (iii) (aa) not voluntarily disclosing your card Card account access codes to a third party (except as instructed by usincluding our staff), (bb) not disclose disclosing your card Card account access codes in a recognizable way, (cc) not keep keeping a record of your card Card account access codes in a way that allows a third party to easily misuse the your Card account access code. All references to access codes in this clause refer to the definition under the Guidelines; (iv) protecting your login credentials to your card Card account, where login credentials include your login ID, access code, PIN/PIN/ password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card Card account, you should (aa) download our Citi Mobile App only from official sources such as Apple App Store or Google Play Store; (bb) update the device’s browser to the latest version available; (bbcc) patch the device’s operating systems with regular security updates provided by the operating system provider; (ccdd) install and maintain the latest anti-virus software on the device, where applicable and (ddee) use strong passwords, such as a mixture of letters, numbers and symbolssymbols or strong authentication methods made available by the device provider such as facial recognition or fingerprint authentication methods; (ff) not root or jailbreak the devices used; (gg) not download and install applications from third-party websites outside official sources (i.e. sideload apps), in particular unverified applications which request device permissions that are unrelated to their intended functionalities; (vi) report reading content sent with access codes before completing payment transactions or high-risk activities. Examples include content sent with OTPs sent via SMS or equivalent push notifications via the Citi Mobile App; (vii) referring to official sources to obtain our Citibank website address and phone number such as the MAS Financial Institutions Directory, our Citi Mobile App or the back of your card and to contact us using only the contact details obtained from official sources; (viii) not clicking on links or scan QR codes purportedly sent by us unless you are expecting to receive information on our products and services via these links or QR codes. You acknowledge that we would not send you links or QR codes which directly result you in providing us any access code or to make a payment transaction or high-risk activity; (ix) reading the risk warning messages sent by us and not to perform any high-risk activities unless you understand the risk and implications of doing so. You agree that by proceeding to perform the high-risk activities, you have read and understood the risks and implications as presented by us; (x) reporting any unauthorized transactions activity to us (via the available reporting channels) as soon as practicable practicable, and no later than 30 days after receipt of any Citi Alert for any unauthorized transactionactivity on your Card account (e.g. transactions, high-risk activities, and the activation of a digital security token (which includes our Citi Mobile App with enhanced security), that has not been initiated by you or with your consent). Where such reporting is delayed, to provide us with reasons for the delayed report; (viixi) provide activating our Kill Switch feature on the Citi Mobile App promptly to block further mobile and online access to your Card account as soon as practicable after you are notified of any unauthorised transactions and have reason to believe that your Card account has been compromised, or if you are unable to contact us; (xii) providing us with information, upon our request, on any unauthorized transactions within a reasonable time. As set out in the Guidelines, information that may be requested will include (aa) how you recorded your Card account access codes and whether you had disclosed your Card account access codes to anyone; (bb) a description of the scam incident, including details of the communications with the suspected scammer(s); (cc) details of the remote software downloaded (if any) as instructed by the scammer(s); (dd) whether you had received any OTPs and/ or transaction notifications sent by us, and where applicable/ possible a confirmation from telecommunication operators to verify the receipt status only if you are able to obtain it; and (ee) suspected compromised applications (if any) in your device; and (viiixiii) make making a police report as soon as practicable if requested by us in order to facilitate our claims investigation processprocess and provide that to us within 3 calendar days of our request. You further agree to cooperate with the Police and provide evidence (for example, you can furnish your mobile device to the Police for forensics investigation) as far as practicable. For the purposes of clause 19.8(b21.8(b) and (c), unauthorized activity includes an “unauthorized transaction” which in relation to your card Card account, means any payment transaction initiated by any person without my your actual or imputed knowledge and implied or express consent. This includes “seemingly authorized transactions” as defined in the Guidelines to the Shared Responsibility Framework issued by the MAS and the Infocomm Media Development Authority of Singapore. For the purposes of clause 21.8(b) and (d), “payment transaction” means the placing, transfer or withdrawal of money, whether for the purpose of paying for goods or services or any other purpose; and regardless of whether the intended recipient of the money is entitled to the money, where the placing, transfer or withdrawal of money is initiated through electronic means and where the money is received through electronic means. (c) You acknowledge that: (i) we Alerts will send Citi Alerts to be sent for outgoing payment transactions from your Card account in accordance with your transaction notification threshold. Where you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences);have not set any such threshold, the default industry-baseline transaction notification threshold will apply; and (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards issued by us in Singapore.16.1

Bound by other terms and conditions. (a) You agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits or services, which may from time to time be made available to you by us in connection with your card account, as the same may be amended or varied and notified to you from time to time. If there is any conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and Conditions), then subject to clause 19.3 the former will prevail and apply and the latter will be deemed to be modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which include: (i) providing updated and accurate account contact details for us to send you Citi Alerts (in accordance with your alert preferences); (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] responsibility to enable transaction notification alerts, to opt to receive all transaction notifications for all outgoing transactions of (any amount) made from your card account, and to monitor the transaction notifications sent to you”; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by us), (bb) not disclose your card account access codes in a recognizable way, (cc) not keep a record of your card account access codes in a way that allows a third party to easily misuse the access code; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/PIN/ password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) update the device’s browser to the latest version available; (bb) patch the device’s operating systems with regular security updates provided by the operating system provider; (cc) install and maintain the latest anti-virus software on the device, where applicable and (dd) use strong passwords, such as a mixture of letters, numbers and symbols; (vi) report unauthorized transactions to us (via the available reporting channels) as soon as practicable after receipt of any Citi Alert for any unauthorized transaction. Where such reporting is delayed, to provide us with reasons for the delayed report; (vii) provide us with information, upon our request, on any unauthorized transactions within a reasonable time; and (viii) make a police report if requested by us in order to facilitate our claims investigation process. For the purposes of clause 19.8(b) and (c), “unauthorized transaction” in relation to your card account, means any payment transaction initiated by any person without my actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences); (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards issued by us in Singapore.should

Bound by other terms and conditions. (a) You agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits benefits or services, which may from time to time be made available to you by us in connection with your card account, as the same may be amended or varied and notified to you from time to time. If there is any conflict between this agreement and the Other Terms and Conditions account (including but not limited to the Telephone Banking Service Terms and Conditions and the Citi M1 Visa Citi M1 Rebate – The Cash Rebate Program Terms and Conditions), then subject as the same may be amended or varied and notified to clause 19.3 you from time to time. If there is any conflict between this agreement and the Other Terms and Conditions, the former will prevail and apply and the latter will be deemed to be modified modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which include: (i) providing updated and accurate account contact details for us to send you Citi Alerts (in accordance with your alert preferences); (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] responsibility to enable transaction notification notification alerts, to opt to receive all transaction notifications notifications for all outgoing transactions of (any amount) made from your card account, and to monitor the transaction notifications notifications sent to you”; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by us), (bb) not disclose your card account access codes in a recognizable way, (cc) not keep a record of your card account access codes in a way that allows a third party to easily misuse the access code; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) update the device’s browser to the latest version available; (bb) patch the device’s operating systems with regular security updates provided by the operating system provider; (cc) install and maintain the latest anti-virus software on the device, where applicable and (dd) use strong passwords, such as a mixture of letters, numbers and symbols; (vi) report unauthorized transactions to us (via the available reporting channels) as soon as practicable after receipt of any Citi Alert for any unauthorized transaction. Where such reporting is delayed, to provide us with reasons for the delayed report; (vii) provide us with information, upon our request, on any unauthorized transactions within a reasonable time; and (viii) make a police report if requested by us in order to facilitate our claims investigation process. For the purposes of clause 19.8(b) and (c), “unauthorized transaction” in relation to your card account, means any payment transaction initiated by any person without my your actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or and/ or mobile number as provided by you (according to your alerts preferences); (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards issued by us in Singapore.

Bound by other terms and conditions. (a) You agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits or services, which may from time to time be made available to you by us in connection with your card accountaccount (including but not limited to the Telephone Banking Service Terms and Conditions and the Citi M1 Visa Citi M1 Rebate – The Cash Rebate Program Terms and Conditions), as the same may be amended or varied and notified to you from time to time. If there is any conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and Conditions), then subject to clause 19.3 the former will prevail and apply and the latter will be deemed to be modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which include: (i) providing updated and accurate account contact details for us to send you Citi Alerts (in accordance with your alert preferences); (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] responsibility to enable transaction notification alerts, to opt to receive all transaction notifications for all outgoing transactions of (any amount) made from your card account, and to monitor the transaction notifications sent to you”; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by us), (bb) not disclose your card account access codes in a recognizable way, (cc) not keep a record of your card account access codes in a way that allows a third party to easily misuse the access code; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) update the device’s browser to the latest version available; (bb) patch the device’s operating systems with regular security updates provided by the operating system provider; (cc) install and maintain the latest anti-virus software on the device, where applicable and (dd) use strong passwords, such as a mixture of letters, numbers and symbols; (vi) report unauthorized transactions to us (via the available reporting channels) as soon as practicable after receipt of any Citi Alert for any unauthorized transaction. Where such reporting is delayed, to provide us with reasons for the delayed report; (vii) provide us with information, upon our request, on any unauthorized transactions within a reasonable time; and (viii) make a police report if requested by us in order to facilitate our claims investigation process. For the purposes of clause 19.8(b) and (c), “unauthorized transaction” in relation to your card account, means any payment transaction initiated by any person without my your actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences); (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards issued by us in Singapore.

Bound by other terms and conditions. (a) You agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits benefits or services, which may from time to time be made available to you by us in connection with your card account, as the same may be amended or varied and notified notified to you from time to time. If there is any conflict conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and Conditions), then subject to clause 19.3 22.3 the former will prevail and apply and the latter will be deemed to be modified modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which include: (i) providing updated and accurate account contact details for us to send you Citi Alerts (in accordance with your alert preferences); (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] responsibility to enable transaction notification notification alerts, to opt to receive all transaction notifications notifications for all outgoing transactions of (any amount) made from your card account, and to monitor the transaction notifications notifications sent to you”; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by us), (bb) not disclose your card account access codes in a recognizable way, (cc) not keep a record of your card account access codes in a way that allows a third party to easily misuse the access code; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/PIN/ password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) update the device’s browser to the latest version available; (bb) patch the device’s operating systems with regular security updates provided by the operating system provider; (cc) install and maintain the latest anti-virus software on the device, where applicable and (dd) use strong passwords, such as a mixture of letters, numbers and symbols; (vi) report unauthorized transactions to us (via the available reporting channels) as soon as practicable after receipt of any Citi Alert for any unauthorized transaction. Where such reporting is delayed, to provide us with reasons for the delayed report; (vii) provide us with information, upon our request, on any unauthorized transactions within a reasonable time; and (viii) make a police report if requested by us in order to facilitate our claims investigation process. For the purposes of clause 19.8(b22.8(b) and (c), “unauthorized transaction” in relation to your card account, means any payment transaction initiated by any person without my your actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences); (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c22.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards issued by us in Singapore.

Bound by other terms and conditions. (a) You and/or the business member agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits benefi ts or services, which may from time to time be made available to you and/or the business member by us in connection with your card account, as the same may be amended or varied and notified to you from time to time. If there is any conflict conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and Conditions), then then, subject to clause 19.3 19.3, the former will prevail and apply and the latter will be deemed to be modified modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which include: (i) providing updated and accurate account contact details for us to send you Citi Alerts (in accordance with your alert preferences); (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] responsibility to enable transaction notification notification alerts, to opt to receive all transaction notifications notifications for all outgoing transactions of (any amount) made from your card account, and to monitor the transaction notifications notifications sent to you”; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by us), (bb) not disclose your card account access codes in a recognizable way, (cc) not keep a record of your card account access codes in a way that allows a third party to easily misuse the access code; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/PIN/ password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) update the device’s browser to the latest version available; (bb) patch the device’s operating systems with regular security updates provided by the operating system provider; (cc) install and maintain the latest anti-virus software on the device, where applicable and (dd) use strong passwords, such as a mixture of letters, numbers and symbols; (vi) report unauthorized transactions to us (via the available reporting channels) as soon as practicable after receipt of any Citi Alert for any unauthorized transaction. Where such reporting is delayed, to provide us with reasons for the delayed report; (vii) provide us with information, upon our request, on any unauthorized transactions within a reasonable time; and (viii) make a police report if requested by us in order to facilitate our claims investigation process. For the purposes of clause 19.8(b) and (c), “unauthorized transaction” in relation to your card account, means any payment transaction initiated by any person without my your actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences); (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards issued by us in Singapore.

Bound by other terms and conditions. (a) You and/or the business member agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits or services, which may from time to time be made available to you and/or the business member by us in connection with your card account, as the same may be amended or varied and notified to you from time to time. If there is any conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and ConditionsConditions but excluding the Programme Agreement whereby the Programme Agreement will prevail), then then, subject to clause 19.3 19.3, the former will prevail and apply and the latter will be deemed to be modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which include: (i) providing updated and accurate account contact details for us to send you Citi Alerts (in accordance with your alert preferences); (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines 16 state that “it is [your] responsibility to enable transaction notification alerts, to opt to receive all transaction notifications for all outgoing transactions of (any amount) made from your card account, and to monitor the transaction notifications sent to you”; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by us), (bb) not disclose your card account access codes in a recognizable way, (cc) not keep a record of your card account access codes in a way that allows a third party to easily misuse the access code; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/PIN/ password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) update the device’s browser to the latest version available; (bb) patch the device’s operating systems with regular security updates provided by the operating system provider; (cc) install and maintain the latest anti-virus software on the device, where applicable and (dd) use strong passwords, such as a mixture of letters, numbers and symbols; (vi) report unauthorized transactions to us (via the available reporting channels) as soon as practicable after receipt of any Citi Alert for any unauthorized transaction. Where such reporting is delayed, to provide us with reasons for the delayed report; (vii) provide us with information, upon our request, on any unauthorized transactions within a reasonable time; and (viii) make a police report if requested by us in order to facilitate our claims investigation process. For the purposes of clause 19.8(b) and (c), “unauthorized transaction” in relation to your card account, means any payment transaction initiated by any person without my your actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences); (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards issued by us in Singapore.

Bound by other terms and conditions. (a) You agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits or services, which may from time to time be made available to you by us in connection with your card accountaccount (including but not limited to the Telephone Banking Service Terms and Conditions and the Citi M1 Visa Citi M1 Rebate – The Cash Rebate Program Terms and Conditions), as the same may be amended or varied and notified to you from time to time. If there is any conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and Conditions), then subject to clause 19.3 the former will prevail and apply and the latter will be deemed to be modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. For the purposes of this clause, “Alerts” refer to outgoing transaction notifications. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which include: (i) providing updated and accurate account contact details for us to send you Citi Alerts (in accordance with your alert preferences)) in real time or on a batched basis; (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] responsibility to enable transaction notification alerts, to opt to receive all transaction notifications for all outgoing transactions of (any amount) made from your card account, and to monitor the transaction notifications sent to you”; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by us), (bb) not disclose your card account access codes in a recognizable way, (cc) not keep a record of your card account access codes in a way that allows a third party to easily misuse the access code; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) update the device’s browser to the latest version available; (bb) patch the device’s operating systems with regular security updates provided by the operating system provider; (cc) install and maintain the latest anti-virus software on the device, where applicable and (dd) use strong passwords, such as a mixture of letters, numbers and symbols; (vi) report unauthorized transactions to us (via the available reporting channels) as soon as practicable after receipt of any Citi Alert for any unauthorized transaction. Where such reporting is delayed, to provide us with reasons for the delayed report; (vii) provide us with information, upon our request, on any unauthorized transactions within a reasonable time; and (viii) make a police report if requested by us in order to facilitate our claims investigation process. For the purposes of clause 19.8(b) and (c), “unauthorized transaction” in relation to your card account, means any payment transaction initiated by any person without my your actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences); (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards issued by us in Singapore.

Bound by other terms and conditions. (a) You agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits or services, which may from time to time be made available to you by us in connection with your card account, as the same may be amended or varied and notified to you from time to time. If there is any conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and Conditions), then subject to clause 19.3 the former will prevail and apply and the latter will be deemed to be modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. For the purposes of this clause, “Alerts” refer to notification alerts for outgoing payment transactions, activation of digital security token (which includes our Citi Mobile App with enhanced security) and the conduct of high-risk activities made from your card account, where the context applies. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which includeinclude but are not limited to the following: (i) providing updated and accurate account contact details (including mobile phone number and email address) for us to send you Citi Alerts (in accordance with your alert preferences)) in real time or on a batched basis; (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] your responsibility to enable transaction notification alertsalerts on any device used to receive notification alerts from the responsible financial institution, to opt to receive all transaction notification alerts via SMS, email or in-app/push notifications for all outgoing payment transactions of (any amountamount that is above the transaction notification threshold), activation of digital security token (which includes our Citi Mobile App with enhanced security) and the conduct of high-risk activities made from your card account, and to monitor the transaction notifications notification alerts sent to you”. You acknowledge that we may assume that you will monitor such notification alerts without further reminders or repeat notifications. All reference to “high-risk activities” in this clause refer to the definition under the Guidelines; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by usincluding our staff), (bb) not disclose disclosing your card account access codes in a recognizable way, (cc) not keep keeping a record of your card account access codes in a way that allows a third party to easily misuse the your card account access code. All references to access codes in this clause refer to the definition under the Guidelines; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/PIN/ password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) download our Citi Mobile App only from official sources such as Apple App Store or Google Play Store; (bb) update the device’s browser to the latest version available; (bbcc) patch the device’s operating systems with regular security updates provided by the operating system provider; (ccdd) install and maintain the latest anti-virus software on the device, where applicable and (ddee) use strong passwords, such as a mixture of letters, numbers and symbolssymbols or strong authentication methods made available by the device provider such as facial recognition or fingerprint authentication methods; (ff) not root or jailbreak the devices used; (gg) not download and install applications from third-party websites outside official sources (i.e. sideload apps), in particular unverified applications which request device permissions that are unrelated to their intended functionalities; (vi) report reading content sent with access codes before completing payment transactions or high-risk activities. Examples include content sent with OTPs sent via SMS or equivalent push notifications via the Citi Mobile App; (vii) referring to official sources to obtain our Citibank website address and phone number such as the MAS Financial Institutions Directory, our Citi Mobile App or the back of your card and to contact us using only the contact details obtained from official sources; (viii) not clicking on links or scan QR codes purportedly sent by us unless you are expecting to receive information on our products and services via these links or QR codes. You acknowledge that we would not send you links or QR codes which directly result you in providing us any access code or to make a payment transaction or high-risk activity; (ix) reading the risk warning messages sent by us and not to perform any high-risk activities unless you understand the risk and implications of doing so. You agree that by proceeding to perform the high-risk activities, you have read and understood the risks and implications as presented by us; (x) reporting any unauthorized transactions activity to us (via the available reporting channels) as soon as practicable practicable, and no later than 30 days after receipt of any Citi Alert for any unauthorized transactionactivity on your card account (e.g. transactions, high-risk activities, and the activation of a digital security token (which includes our Citi Mobile App with enhanced security), that has not been initiated by you or with your consent). Where such reporting is delayed, to provide us with reasons for the delayed report; (viixi) provide activating our Kill Switch feature on the Citi Mobile App promptly to block further mobile and online access to your card account as soon as practicable after you are notified of any unauthorised transactions and have reason to believe that your card account has been compromised, or if you are unable to contact us; (xii) providing us with information, upon our request, on any unauthorized transactions within a reasonable time. As set out in the Guidelines, information that may be requested will include (aa) how you recorded your card account access codes and whether you had disclosed your card account access codes to anyone; (bb) a description of the scam incident, including details of the communications with the suspected scammer(s); (cc) details of the remote software downloaded (if any) as instructed by the scammer(s); (dd) whether you had received any OTPs and/ or transaction notifications sent by us, and where applicable/ possible a confirmation from telecommunication operators to verify the receipt status only if you are able to obtain it; and (ee) suspected compromised applications (if any) in your device; and (viiixiii) make making a police report as soon as practicable if requested by us in order to facilitate our claims investigation processprocess and provide that to us within 3 calendar days of our request. You further agree to cooperate with the Police and provide evidence (for example, you can furnish your mobile device to the Police for forensics investigation) as far as practicable. For the purposes of clause 19.8(b22.8(b) and (c), unauthorized activity includes an “unauthorized transaction” which in relation to your card account, means any payment transaction initiated by any person without my your actual or imputed knowledge and implied or express consent. This includes “seemingly authorized transactions” as defined in the Guidelines to the Shared Responsibility Framework issued by the MAS and the Infocomm Media Development Authority of Singapore. For the purposes of clause 22.8(b) and (c), “payment transaction” means the placing, transfer or withdrawal of money, whether for the purpose of paying for goods or services or any other purpose; and regardless of whether the intended recipient of the money is entitled to the money, where the placing, transfer or withdrawal of money is initiated through electronic means and where the money is received through electronic means. (c) You acknowledge that: (i) we Alerts will send Citi Alerts to be sent for outgoing payment transactions from your card account in accordance with your transaction notification threshold. Where you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences);have not set any such threshold, the default industry-baseline transaction notification threshold will apply; and (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject clause 17.1(b) applies to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purposethese Alerts. (d) As a responsible financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do does not apply to payment transactions on credit cards issued by us in Singapore.

Bound by other terms and conditions. (a) You agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits or services, which may from time to time be made available to you by us in connection with your card account, as the same may be amended or varied and notified to you from time to time. If there is any conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and Conditions), then subject to clause 19.3 the former will prevail and apply and the latter will be deemed to be modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. For the purposes of this clause, “Alerts” refer to notification alerts for outgoing payment transactions, activation of digital security token (which includes our Citi Mobile App with enhanced security) and the conduct of high-risk activities made from your card account, where the context applies. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which includeinclude but are not limited to the following: (i) providing updated and accurate account contact details (including mobile phone number and email address) for us to send you Citi Alerts (in accordance with your alert preferences)) in real time or on a batched basis; (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] your responsibility to enable transaction notification alertsalerts on any device used to receive notification alerts from the responsible financial institution, to opt to receive all transaction notification alerts via SMS, email or in-app/push notifications for all outgoing payment transactions of (any amountamount that is above the transaction notification threshold), activation of digital security token (which includes our Citi Mobile App with enhanced security) and the conduct of high-risk activities made from your card account, and to monitor the transaction notifications notification alerts sent to you”. You acknowledge that we may assume that you will monitor such notification alerts without further reminders or repeat notifications. All reference to “high-risk activities” in this clause refer to the definition under the Guidelines; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by usincluding our staff), (bb) not disclose disclosing your card account access codes in a recognizable way, (cc) not keep keeping a record of your card account access codes in a way that allows a third party to easily misuse the your card account access code. All references to access codes in this clause refer to the definition under the Guidelines; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/PIN/ password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) download our Citi Mobile App only from official sources such as Apple App Store or Google Play Store; (bb) update the device’s browser to the latest version available; (bbcc) patch the device’s operating systems with regular security updates provided by the operating system provider; (ccdd) install and maintain the latest anti-virus software on the device, where applicable and (ddee) use strong passwords, such as a mixture of letters, numbers and symbolssymbols or strong authentication methods made available by the device provider such as facial recognition or fingerprint authentication methods; (ff) not root or jailbreak the devices used; (gg) not download and install applications from third-party websites outside official sources (i.e. sideload apps), in particular unverified applications which request device permissions that are unrelated to their intended functionalities; (vi) report reading content sent with access codes before completing payment transactions or high-risk activities. Examples include content sent with OTPs sent via SMS or equivalent push notifications via the Citi Mobile App; (vii) referring to official sources to obtain our Citibank website address and phone number such as the MAS Financial Institutions Directory, our Citi Mobile App or the back of your card and to contact us using only the contact details obtained from official sources; (viii) not clicking on links or scan QR codes purportedly sent by us unless you are expecting to receive information on our products and services via these links or QR codes. You acknowledge that we would not send you links or QR codes which directly result you in providing us any access code or to make a payment transaction or high-risk activity; (ix) reading the risk warning messages sent by us and not to perform any high-risk activities unless you understand the risk and implications of doing so. You agree that by proceeding to perform the high-risk activities, you have read and understood the risks and implications as presented by us; (x) reporting any unauthorized transactions activity to us (via the available reporting channels) as soon as practicable practicable, and no later than 30 days after receipt of any Citi Alert for any unauthorized transactionactivity on your card account (e.g. transactions, high-risk activities, and the activation of a digital security token (which includes our Citi Mobile App with enhanced security), that has not been initiated by you or with your consent). Where such reporting is delayed, to provide us with reasons for the delayed report; (viixi) provide activating our Kill Switch feature on the Citi Mobile App promptly to block further mobile and online access to your card account as soon as practicable after you are notified of any unauthorised transactions and have reason to believe that your card account has been compromised, or if you are unable to contact us; (xii) providing us with information, upon our request, on any unauthorized transactions within a reasonable time. As set out in the Guidelines, information that may be requested will include (aa) how you recorded your card account access codes and whether you had disclosed your card account access codes to anyone; (bb) a description of the scam incident, including details of the communications with the suspected scammer(s); (cc) details of the remote software downloaded (if any) as instructed by the scammer(s); (dd) whether you had received any OTPs and/ or transaction notifications sent by us, and where applicable/ possible a confirmation from telecommunication operators to verify the receipt status only if you are able to obtain it; and (ee) suspected compromised applications (if any) in your device; and (viiixiii) make making a police report as soon as practicable if requested by us in order to facilitate our claims investigation processprocess and provide that to us within 3 calendar days of our request. You further agree to cooperate with the Police and provide evidence (for example, you can furnish your mobile device to the Police for forensics investigation) as far as practicable. For the purposes of clause 19.8(b) and (c), unauthorized activity includes an “unauthorized transaction” which in relation to your card account, means any payment transaction initiated by any person without my your actual or imputed knowledge and implied or express consent. This includes “seemingly authorized transactions” as defined in the Guidelines to the Shared Responsibility Framework issued by the MAS and the Infocomm Media Development Authority of Singapore. For the purposes of clause 19.8(b) and (d), “payment transaction” means the placing, transfer or withdrawal of money, whether for the purpose of paying for goods or services or any other purpose; and regardless of whether the intended recipient of the money is entitled to the money, where the placing, transfer or withdrawal of money is initiated through electronic means and where the money is received through electronic means. (c) You acknowledge that: (i) we Alerts will send Citi Alerts to be sent for outgoing payment transactions from your card account in accordance with your transaction notification threshold. Where you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences);have not set any such threshold, the default industry-baseline transaction notification threshold will apply; and (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject clause 14.1(b) applies to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purposethese Alerts. (d) As a responsible financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do does not apply to payment transactions on credit cards issued by us in Singapore.

Bound by other terms and conditions. (a) You and/or the business member agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits or services, which may from time to time be made available to you and/or the business member by us in connection with your card account, as the same may be amended or varied and notified to you from time to time. If there is any conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and Conditions), then subject to clause 19.3 the former will prevail and apply and the latter will be deemed to be modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. For the purposes of this clause, “Alerts” refer to notification alerts for outgoing payment transactions, activation of digital security token (which includes our Citi Mobile App with enhanced security) and the conduct of high-risk activities made from your card account, where the context applies. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which includeinclude but are not limited to the following: (i) providing updated and accurate account contact details (including mobile phone number and email address) for us to send you Citi Alerts (in accordance with your alert preferences)) in real time or on a batched basis; (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] your responsibility to enable transaction notification alertsalerts on any device used to receive notification alerts from the responsible financial institution, to opt to receive all transaction notification alerts via SMS, email or in-app/push notifications for all outgoing payment transactions of (any amountamount that is above the transaction notification threshold), activation of digital security token (which includes our Citi Mobile App with enhanced security) and the conduct of high-risk activities made from your card account, and to monitor the transaction notifications notification alerts sent to you”. You acknowledge that we may assume that you will monitor such notification alerts without further reminders or repeat notifications. All reference to “high-risk activities” in this clause refer to the definition under the Guidelines; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by usincluding our staff), (bb) not disclose disclosing your card account access codes in a recognizable way, (cc) not keep keeping a record of your card account access codes in a way that allows a third party to easily misuse the your card account access code. All references to access codes in this clause refer to the definition under the Guidelines; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/PIN/ password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) download our Citi Mobile App only from official sources such as Apple App Store or Google Play Store; (bb) update the device’s browser to the latest version available; (bbcc) patch the device’s operating systems with regular security updates provided by the operating system provider; (ccdd) install and maintain the latest anti-virus software on the device, where applicable and (ddee) use strong passwords, such as a mixture of letters, numbers and symbolssymbols or strong authentication methods made available by the device provider such as facial recognition or fingerprint authentication methods; (ff) not root or jailbreak the devices used; (gg) not download and install applications from third-party websites outside official sources (i.e. sideload apps), in particular unverified applications which request device permissions that are unrelated to their intended functionalities; (vi) report reading content sent with access codes before completing payment transactions or high-risk activities. Examples include content sent with OTPs sent via SMS or equivalent push notifications via the Citi Mobile App; (vii) referring to official sources to obtain our Citibank website address and phone number such as the MAS Financial Institutions Directory, our Citi Mobile App or the back of your card and to contact us using only the contact details obtained from official sources; (viii) not clicking on links or scan QR codes purportedly sent by us unless you are expecting to receive information on our products and services via these links or QR codes. You acknowledge that we would not send you links or QR codes which directly result you in providing us any access code or to make a payment transaction or high-risk activity; (ix) reading the risk warning messages sent by us and not to perform any high-risk activities unless you understand the risk and implications of doing so. You agree that by proceeding to perform the high-risk activities, you have read and understood the risks and implications as presented by us; (x) reporting any unauthorized transactions activity to us (via the available reporting channels) as soon as practicable practicable, and no later than 30 days after receipt of any Citi Alert for any unauthorized transactionactivity on your card account (e.g. transactions, high-risk activities, and the activation of a digital security token (which includes our Citi Mobile App with enhanced security), that has not been initiated by you or with your consent). Where such reporting is delayed, to provide us with reasons for the delayed report; (viixi) provide activating our Kill Switch feature on the Citi Mobile App promptly to block further mobile and online access to your card account as soon as practicable after you are notified of any unauthorised transactions and have reason to believe that your card account has been compromised, or if you are unable to contact us; (xii) providing us with information, upon our request, on any unauthorized transactions within a reasonable time. As set out in the Guidelines, information that may be requested will include (aa) how you recorded your card account access codes and whether you had disclosed your card account access codes to anyone; (bb) a description of the scam incident, including details of the communications with the suspected scammer(s); (cc) details of the remote software downloaded (if any) as instructed by the scammer(s); (dd) whether you had received any OTPs and/ or transaction notifications sent by us, and where applicable/ possible a confirmation from telecommunication operators to verify the receipt status only if you are able to obtain it; and (ee) suspected compromised applications (if any) in your device; and (viiixiii) make making a police report as soon as practicable if requested by us in order to facilitate our claims investigation processprocess and provide that to us within 3 calendar days of our request. You further agree to cooperate with the Police and provide evidence (for example, you can furnish your mobile device to the Police for forensics investigation) as far as practicable. For the purposes of clause 19.8(b) and (c), unauthorized activity includes an “unauthorized transaction” which in relation to your card account, means any payment transaction initiated by any person without my your actual or imputed knowledge and implied or express consent. This includes “seemingly authorized transactions” as defined in the Guidelines to the Shared Responsibility Framework issued by the MAS and the Infocomm Media Development Authority of Singapore. For the purposes of clause 19.8(b) and (d), “payment transaction” means the placing, transfer or withdrawal of money, whether for the purpose of paying for goods or services or any other purpose; and regardless of whether the intended recipient of the money is entitled to the money, where the placing, transfer or withdrawal of money is initiated through electronic means and where the money is received through electronic means. (c) You acknowledge that: (i) we Alerts will send Citi Alerts to be sent for outgoing payment transactions from your card account in accordance with your transaction notification threshold. Where you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences);have not set any such threshold, the default industry-baseline transaction notification threshold will apply; and (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject clause 14.1(b) applies to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purposethese Alerts. (d) As a responsible financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do does not apply to payment transactions on credit cards issued by us in Singapore.

Bound by other terms and conditions. (a) You and/or the business member agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits or services, which may from time to time be made available to you and/or the business member by us in connection with your card account, as the same may be amended or varied and notified to you from time to time. If there is any conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and ConditionsConditions but excluding the Programme Agreement whereby the Programme Agreement will prevail), then then, subject to clause 19.3 19.3, the former will prevail and apply and the latter will be deemed to be modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. For the purposes of this clause, “Alerts” refer to outgoing transaction notifications. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which include: (i) providing updated and accurate account contact details for us to send you Citi Alerts (in accordance with your alert preferences)) in real time or on a batched basis; (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] responsibility to enable transaction notification alerts, to opt to receive all transaction notifications for all outgoing transactions of (any amount) made from your card account, and to monitor the transaction notifications sent to you”; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by us), (bb) not disclose your card account access codes in a recognizable way, (cc) not keep a record of your card account access codes in a way that allows a third party to easily misuse the access code; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/PIN/ password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) update the device’s browser to the latest version available; (bb) patch the device’s operating systems with regular security updates provided by the operating system provider; (cc) install and maintain the latest anti-virus software on the device, where applicable and (dd) use strong passwords, such as a mixture of letters, numbers and symbols; (vi) report unauthorized transactions to us (via the available reporting channels) as soon as practicable after receipt of any Citi Alert for any unauthorized transaction. Where such reporting is delayed, to provide us with reasons for the delayed report; (vii) provide us with information, upon our request, on any unauthorized transactions within a reasonable time; and (viii) make a police report if requested by us in order to facilitate our claims investigation process. For the purposes of clause 19.8(b) and (c), “unauthorized transaction” in relation to your card account, means any payment transaction initiated by any person without my your actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences); (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards issued by us in Singapore.

Bound by other terms and conditions. (a) You agree to be bound by all terms and conditions (“Other Terms and Conditions”) governing the use of such facilities, benefits or services, which may from time to time be made available to you by us in connection with your card account, as the same may be amended or varied and notified to you from time to time. If there is any conflict between this agreement and the Other Terms and Conditions (including but not limited to the Telephone Banking Service Terms and Conditions), then subject to clause 19.3 the former will prevail and apply and the latter will be deemed to be modified so far only as it is necessary to give effect to the provisions of this agreement. Unless otherwise provided by this agreement, nothing in this agreement will affect the validity and enforceability of our rights or remedies under the Other Terms and Conditions which will continue to apply. For the purposes of this clause, “Alerts” refer to outgoing transaction notifications. (b) You agree to observe the duties imposed on you under the E-Payments User Protection Guidelines (“Guidelines”) issued by the Monetary Authority of Singapore in connection with your card account, which include: (i) providing updated and accurate account contact details for us to send you Citi Alerts (in accordance with your alert preferences); (ii) enabling and monitoring Citi Alerts. In this regard, the Guidelines state that “it is [your] responsibility to enable transaction notification alerts, to opt to receive all transaction notifications for all outgoing transactions of (any amount) made from your card account, and to monitor the transaction notifications sent to you”; (iii) (aa) not voluntarily disclosing your card account access codes to a third party (except as instructed by us), (bb) not disclose your card account access codes in a recognizable way, (cc) not keep a record of your card account access codes in a way that allows a third party to easily misuse the access code; (iv) protecting your login credentials to your card account, where login credentials include your login ID, access code, PIN/password, OTP or other credentials that are used to authenticate your identity; (v) where you use a device to access your card account, you should (aa) update the device’s browser to the latest version available; (bb) patch the device’s operating systems with regular security updates provided by the operating system provider; (cc) install and maintain the latest anti-virus software on the device, where applicable and (dd) use strong passwords, such as a mixture of letters, numbers and symbols; (vi) report unauthorized transactions to us (via the available reporting channels) as soon as practicable after receipt of any Citi Alert for any unauthorized transaction. Where such reporting is delayed, to provide us with reasons for the delayed report; (vii) provide us with information, upon our request, on any unauthorized transactions within a reasonable time; and (viii) make a police report if requested by us in order to facilitate our claims investigation process. For the purposes of clause 19.8(b) and (c), “unauthorized transaction” in relation to your card account, means any payment transaction initiated by any person without my actual or imputed knowledge and implied or express consent. (c) You acknowledge that: (i) we will send Citi Alerts to you via email and/or sms to an email address and/or mobile number as provided by you (according to your alerts preferences), in real time or on a batched basis; (ii) Citi Alerts will be sent real time, but you understand that your receipt of Citi Alerts is subject to other conditions not within our control including whether your internet and/or mobile phone operator being able to support the service; (iii) Citi Alerts will contain information which would allow you to identify the transaction as being an authorized transaction or unauthorized transaction; (iv) where a transaction is effected by way of internet banking, any mobile phone application or device arranged for by us for payment transactions, we will provide an onscreen opportunity for you to confirm the payment transaction and recipient credentials before we execute any authorized payment transaction; and (v) you should report unauthorized or erroneous transactions to the available reporting channels. For the purposes of clause 19.8(c) and (d), “payment transaction” means an act, initiated by the payer or payee, of placing, transferring or withdrawing money, irrespective of any underlying obligations between the payer or payee, where the act is initiated through electronic means and where money is received through electronic means, and includes: (1) the placing, transferring or withdrawing of money for the purposes of making payment for goods or services; and (2) the placing, transferring or withdrawing of money for any other purpose. (d) As a responsible financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines do not apply to payment transactions on credit cards issued by us in Singapore.