Common use of Citibank’s Discretion Clause in Contracts

Citibank’s Discretion. 11.1 Without prejudice to any of our rights and remedies, we are entitled, at any time in our reasonable discretion and without giving any reason or notice, to refuse to approve any proposed: (a) Cash Withdrawal and/or Cash Advance notwithstanding that the amount of the proposed Cash Withdrawal and/or Cash Advance does not exceed the Available Balance or the ATM Limit would not be exceeded if such Cash Withdrawal and/or Cash Advance is effected; and/or (b) Card Transaction, notwithstanding that the amount of the proposed Card Transactions does not exceed the Available Balance in the Designated Account or the Monthly Transaction Amount would not exceed the Monthly Spending Limit if such Card Transaction is effected. 11.2 Without prejudice and notwithstanding the other provisions of these Terms and Conditions, we may allow or approve any Card Transaction, Cash Withdrawal and/ or Cash Advance, even if: (a) the amount of the Cash Withdrawal, Cash Advance and/or Card Transaction exceeds the Available Balance in the relevant Account; and/or (b) the Monthly Spending Limit would be exceeded, as the case may be, and we may debit the Designated Account (or any other Account) with any amount due from you to us (whether in respect of any Cash Withdrawal, Cash Advance and/or Card Transaction, interest, fee, charge or otherwise) even if an Overdrawn Balance would result in any Account from such debiting. 11.3 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitled at any time in our reasonable discretion with reasonable notice to: (a) increase or decrease the ATM Limit and/or the Monthly Spending Limit; and/or (b) refuse to re-issue, renew or replace any Citibank ATM/Debit Card; and/or (c) introduce, amend, vary, terminate or withdraw all or any of the benefits, services, facilities and privileges in respect of or in connection with your Citibank ATM/Debit Card and/or the use of your Citibank ATM/Debit Card, whether specifically relating to you or generally to all or specific cardmembers. 11.4 Where you are issued with a Citibank ATM/Debit Card, the CIN may or may not coincide with the number of any Account. In addition, we may at your request or at any time without incurring any liability or giving any reason, and upon giving you notice, change your CIN and issue a replacement Citibank ATM/Debit Card, and we may, where applicable, continue to debit all Card Transactions on your new Citibank ATM/Debit Card to the Designated Account. We may also continue to debit all Cash Withdrawals and/or Cash Advances on your new Citibank ATM/ Debit Card to the relevant Account. If we have given you such notice, you must immediately return to us your Citibank ATM/Debit Card cut in halves. In addition, in the event that another account maintained by you with us is designated with our consent as the “Designated Account” for the use of your Citibank ATM/Debit Card in place of the Designated Account, such account shall be regarded as the Designated Account for the purpose of these Terms and Conditions with effect from such date as we may notify you. 11.5 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitced at any time in our reasonable discretion to suspent your right to use the Citibank Atm, Debit Card entirely or respect of specified facilities.

Citibank’s Discretion. 11.1 Without prejudice to any of our rights and remedies, we are entitled, at any time in our reasonable discretion and without giving any reason or notice, to refuse to approve any proposed: (a) Cash Withdrawal and/or Cash Advance notwithstanding that the amount of the proposed Cash Withdrawal and/or Cash Advance does not exceed the Available Balance or the ATM Limit would not be exceeded if such Cash Withdrawal and/or Cash Advance is effected; and/or (b) Card Transaction, notwithstanding that the amount of the proposed Card Transactions does not exceed the Available Balance in the Designated Account or the Monthly Transaction Amount would not exceed the Monthly Spending Limit if such Card Transaction is effected. 11.2 Without prejudice and notwithstanding the other provisions of these Terms and Conditions, we may allow or approve any Card Transaction, Cash Withdrawal and/ or Cash Advance, even if: (a) the amount of the Cash Withdrawal, Cash Advance and/or Card Transaction exceeds the Available Balance in the relevant Account; and/or (b) the Monthly Spending Limit would be exceeded, as the case may be, and we may debit the Designated Account (or any other Account) with any amount due from you to us (whether in respect of any Cash Withdrawal, Cash Advance and/or Card Transaction, interest, fee, charge or otherwise) even if an Overdrawn Balance would result in any Account from such debiting. 11.3 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitled at any time in our reasonable discretion with reasonable notice notice, to: (a) increase or decrease the ATM Limit and/or the Monthly Spending Limit; and/or (b) refuse to re-issue, renew or replace any Citibank ATM/Debit Card; and/or (c) introduce, amend, vary, terminate or withdraw all or any of the benefits, services, facilities and privileges in respect of or in connection with your Citibank ATM/Debit Card and/or the use of your Citibank ATM/Debit Card, whether specifically relating to you or generally to all or specific cardmembers. 11.4 Where you are issued with a Citibank ATM/Debit Card, the CIN may or may not coincide with the number of any Account. In addition, we may at your request or at any time without incurring any liability or giving any reason, and upon giving you notice, change your CIN and issue a replacement Citibank ATM/Debit Card, and we may, where applicable, continue to debit all Citibank Debit Card Transactions on your new Citibank ATM/Debit Card to the Designated Account. We may also continue to debit all Cash Withdrawals and/or Cash Advances on your new Citibank ATM/ ATM/Debit Card to the relevant Account. If we have given you such notice, you must immediately return to us your Citibank ATM/Debit Card cut in halves. In addition, in the event that another account maintained by you with us is designated with our consent as the “Designated Account” for the use of your Citibank ATM/Debit Card in place of the Designated Account, such account shall be regarded as the Designated Account for the purpose of these Terms and Conditions with effect from such date as we may notify you. 11.5 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitced entitled at any time in our reasonable absolute discretion to suspent suspend your right to use the Citibank Atm, ATM/Debit Card entirely or in respect of specified facilities.

Citibank’s Discretion. 11.1 Without prejudice to any of our rights and remedies, we are entitled, at any time in our reasonable discretion and without giving any reason or notice, to refuse to approve any proposed: (a) Cash Withdrawal and/or Cash Advance notwithstanding that the amount of the proposed Cash Withdrawal and/or Cash Advance does not exceed the Available Balance or the ATM Limit would not be exceeded if such Cash Withdrawal and/or Cash Advance is effected; and/or (b) Card Transaction, notwithstanding that the amount of the proposed Card Transactions does not exceed the Available Balance in the Designated Account or the Monthly Transaction Amount would not exceed the Monthly Spending Limit if such Card Transaction is effected. 11.2 Without prejudice and notwithstanding the other provisions of these Terms and Conditions, we may allow or approve any Card Transaction, Cash Withdrawal and/ or Cash Advance, even if: (a) the amount of the Cash Withdrawal, Cash Advance and/or Card Transaction exceeds the Available Balance in the relevant Account; and/or (b) the Monthly Spending Limit would be exceeded, as the case may be, and we may debit the Designated Account (or any other Account) with any amount due from you to us (whether in respect of any Cash Withdrawal, Cash Advance and/or Card Transaction, interest, fee, charge or otherwise) even if an Overdrawn Balance would result in any Account from such debiting. 11.3 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitled at any time in our reasonable discretion with reasonable notice notice, to: (a) increase or decrease the ATM Limit and/or the Monthly Spending Limit; and/or (b) refuse to re-issue, renew or replace any Citibank ATM/Debit Card; and/or (c) introduce, amend, vary, , terminate or withdraw all or any of the benefits, services, facilities and privileges in respect of or in connection with your Citibank ATM/Debit Card and/or the use of your Citibank ATM/Debit Card, whether specifically relating to you or generally to all or specific cardmembers. 11.4 Where you are issued with a Citibank ATM/Debit Card, the CIN may or may not coincide with the number of any Account. In addition, we may at your request or at any time without incurring any liability or giving any reason, and upon giving you notice, change your CIN and issue a replacement Citibank ATM/Debit Card, and we may, where applicable, continue to debit all Citibank Debit Card Transactions on your new Citibank ATM/Debit Card to the Designated Account. We may also continue to debit all Cash Withdrawals and/or Cash Advances on your new Citibank ATM/ ATM/Debit Card to the relevant Account. If we have given you such notice, you must immediately return to us your Citibank ATM/Debit Card cut in halves. In addition, in the event that another account maintained by you with us is designated with our consent as the “Designated Account” for the use of your Citibank ATM/Debit Card in place of the Designated Account, such account shall be regarded as the Designated Account for the purpose of these Terms and Conditions with effect from such date as we may notify you. 11.5 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitced entitled at any time in our reasonable absolute discretion to suspent suspend your right to use the Citibank Atm, ATM/Debit Card entirely or in respect of specified facilities.

Citibank’s Discretion. 11.1 Without prejudice to any of our rights and remedies, we are entitled, at any time in our reasonable discretion and without giving any reason or notice, to refuse to approve any proposed: (a) Cash Withdrawal and/or Cash Advance notwithstanding that the amount of the proposed Cash Withdrawal and/or Cash Advance does not exceed the Available Balance or the ATM Limit would not be exceeded if such Cash Withdrawal and/or Cash Advance is effected; and/or (b) Card Transaction, notwithstanding that the amount of the proposed Card Transactions does not exceed the Available Balance in the Designated Account or the Monthly Transaction Amount would not exceed the Monthly Spending Limit if such Card Transaction is effected. 11.2 Without prejudice and notwithstanding the other provisions of these Terms and Conditions, we may allow or approve any Card Transaction, Cash Withdrawal and/ or Cash Advance, even if: (a) the amount of the Cash Withdrawal, Cash Advance and/or Card Transaction exceeds the Available Balance in the relevant Account; and/or (b) the Monthly Spending Limit would be exceeded, as the case may be, and we may debit the Designated Account (or any other Account) with any amount due from you to us (whether in respect of any Cash Withdrawal, Cash Advance and/or Card Transaction, interest, fee, charge or otherwise) even if an Overdrawn Balance would result in any Account from such debiting. 11.3 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitled at any time in our reasonable discretion with reasonable notice notice, to: (a) increase or decrease the ATM Limit and/or the Monthly Spending Limit; and/or (b) refuse to re-issue, renew or replace any Citibank ATM/Debit Card; and/or (c) introduce, amend, vary, terminate or withdraw all or any of the benefits, services, facilities and privileges in respect of or in connection with your and/or Citibank ATM/Debit Card and/or the use of your Citibank ATM/Debit Card, whether specifically relating to you or generally to all or specific cardmembers. 11.4 Where you are issued with a Citibank ATM/Debit Card, the CIN may or may not coincide with the number of any Account. In addition, we may at your request or at any time without incurring any liability or giving any reason, and upon giving you notice, change your CIN and issue a replacement Citibank ATM/Debit Card, and we may, where applicable, continue to debit all Citibank Debit Card Transactions on your new Citibank ATM/Debit Card to the Designated Account. We may also continue to debit all Cash Withdrawals and/or Cash Advances on your new Citibank ATM/ ATM/Debit Card to the relevant Account. If we have given you such notice, you must immediately return to us your Citibank ATM/Debit Card cut in halves. In addition, in the event that another account maintained by you with us is designated with our consent as the “Designated Account” for the use of your Citibank ATM/Debit Card in place of the Designated Account, such account shall be regarded as the Designated Account for the purpose of these Terms and Conditions with effect from such date as we may notify you. 11.5 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitced entitled at any time in our reasonable absolute discretion to suspent suspend your right to use the Citibank Atm, ATM/Debit Card entirely or in respect of specified facilities.

Citibank’s Discretion. 11.1 Without prejudice to any of our rights and remedies, we are entitled, at any time in our reasonable discretion and without giving any reason or notice, to refuse to approve any proposed: (a) Cash Withdrawal and/or Cash Advance notwithstanding that the amount of the proposed Cash Withdrawal and/or Cash Advance does not exceed the Available Balance or the ATM Limit would not be exceeded if such Cash Withdrawal and/or Cash Advance is effected; and/or (b) Card Transaction, notwithstanding that the amount of the proposed Card Transactions does not exceed the Available Balance in the Designated Account or the Monthly Transaction Amount would not exceed the Monthly Spending Limit if such Card Transaction is effected. 11.2 Without prejudice and notwithstanding the other provisions of these Terms and Conditions, we may allow or approve any Card Transaction, Cash Withdrawal and/ or Cash Advance, even if: (a) the amount of the Cash Withdrawal, Cash Advance and/or Card Transaction exceeds the Available Balance in the relevant Account; and/or (b) the Monthly Spending Limit would be exceeded, as the case may be, and we may debit the Designated Account (or any other Account) with any amount due from you to us (whether in respect of any Cash Withdrawal, Cash Advance and/or Card Transaction, interest, fee, charge or otherwise) even if an Overdrawn Balance would result in any Account from such debiting. 11.3 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitled at any time in our reasonable discretion with reasonable notice notice, to: (a) increase or decrease the ATM Limit and/or the Monthly Spending Limit; and/or (b) refuse to re-issue, renew or replace any Citibank ATM/Debit Card; and/or (c) introduce, amend, vary, terminate or withdraw all or any of the benefits, services, facilities and privileges in respect of or in connection with your Citibank ATM/Debit Card and/or the use of your Citibank ATM/Debit Card, whether specifically relating to you or generally to all or specific cardmembers. 11.4 Where you are issued with a Citibank ATM/Debit Card, the CIN may or may not coincide with the number of any Account. In addition, we may at your request or at any time without incurring any liability or giving any reason, and upon giving you notice, change your CIN and issue a replacement Citibank ATM/Debit Card, and we may, where applicable, continue to debit all Card Transactions on your new Citibank ATM/Debit Card to the Designated Account. We may also continue to debit all Cash Withdrawals and/or Cash Advances on your new Citibank ATM/ Debit Card to the relevant Account. If we have given you such notice, you must immediately return to us your Citibank ATM/Debit Card cut in halves. In addition, in the event that another account maintained by you with us is designated with our consent as the “Designated Account” for the use of your Citibank ATM/Debit Card in place of the Designated Account, such account shall be regarded as the Designated Account for the purpose of these Terms and Conditions with effect from such date as we may notify you. 11.5 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitced at any time in our reasonable discretion to suspent your right to use the Citibank Atm, Debit Card entirely or respect of specified facilities.

Citibank’s Discretion. 11.1 Without prejudice to any of our rights and remedies, we are entitled, at any time in our reasonable discretion and without giving any reason or notice, to refuse to approve any proposed: (a) Cash Withdrawal and/or Cash Advance notwithstanding that the amount of the proposed Cash Withdrawal and/or Cash Advance does not exceed the Available Balance or the ATM Limit would not be exceeded if such Cash Withdrawal and/or Cash Advance is effected; and/or (b) Card Transaction, notwithstanding that the amount of the proposed Card Transactions does not exceed the Available Balance in the Designated Account or the Monthly Transaction Amount would not exceed the Monthly Spending Limit if such Card Transaction is effected. 11.2 Without prejudice and notwithstanding the other provisions of these Terms and Conditions, we may allow or approve any Card Transaction, Cash Withdrawal and/ or and/or Cash Advance, even if: (a) the amount of the Cash Withdrawal, Cash Advance and/or Card Transaction exceeds the Available Balance in the relevant Account; and/or (b) the Monthly Spending Limit would be exceeded, as the case may be, and we may debit the Designated Account (or any other Account) with any amount due from you to us (whether in respect of any Cash Withdrawal, Cash Advance and/or Card Transaction, interest, fee, charge or otherwise) even if an Overdrawn Balance would result in any Account from such debiting. 11.3 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitled at any time in our reasonable discretion with reasonable notice notice, to: (a) increase or decrease the ATM Limit and/or the Monthly Spending Limit; and/or (b) refuse to re-issue, renew or replace any Citibank ATM/Debit Card; and/or (c) introduce, amend, vary, terminate or withdraw all or any of the benefits, services, facilities and privileges in respect of or in connection with your Citibank ATM/Debit Card and/or the use of your Citibank ATM/Debit Card, whether specifically relating to you or generally to all or specific cardmembers. 11.4 Where you are issued with a Citibank ATM/Debit Card, the CIN may or may not coincide with the number of any Account. In addition, we may at your request or at any time without incurring any liability or giving any reason, and upon giving you notice, change your CIN and issue a replacement Citibank ATM/Debit Card, and we may, where applicable, continue to debit all Card Transactions on your new Citibank ATM/Debit Card to the Designated Account. We may also continue to debit all Cash Withdrawals and/or Cash Advances on your new Citibank ATM/ Debit Card to the relevant Account. If we have given you such notice, you must immediately return to us your Citibank ATM/Debit Card cut in halves. In addition, in the event that another account maintained by you with us is designated with our consent as the “Designated Account” for the use of your Citibank ATM/Debit Card in place of the Designated Account, such account shall be regarded as the Designated Account for the purpose of these Terms and Conditions with effect from such date as we may notify you. 11.5 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitced at any time in our reasonable discretion to suspent your right to use the Citibank Atm, Debit Card entirely or respect of specified facilities.

Citibank’s Discretion. 11.1 Without prejudice to any of our rights and remedies, we are entitled, at any time in our reasonable discretion and without giving any reason or notice, to refuse to approve any proposed: (a) Cash Withdrawal and/or Cash Advance notwithstanding that the amount of the proposed Cash Withdrawal and/or Cash Advance does not exceed the Available Balance or the ATM Limit would not be exceeded if such Cash Withdrawal and/or Cash Advance is effected; and/or (b) Card Transaction, notwithstanding that the amount of the proposed Card Transactions does not exceed the Available Balance in the Designated Account or the Monthly Transaction Amount would not exceed the Monthly Spending Limit if such Card Transaction is effected. 11.2 Without prejudice and notwithstanding the other provisions of these Terms and Conditions, we may allow or approve any Card Transaction, Cash Withdrawal and/ or and/or Cash Advance, even if: (a) the amount of the Cash Withdrawal, Cash Advance and/or Card Transaction exceeds the Available Balance in the relevant Account; and/or (b) the Monthly Spending Limit would be exceeded, as the case may be, and we may debit the Designated Account (or any other Account) with any amount due from you to us (whether in respect of any Cash Withdrawal, Cash Advance and/or Card Transaction, interest, fee, charge or otherwise) even if an Overdrawn Balance would result in any Account from such debiting. 11.3 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitled at any time in our reasonable discretion with reasonable notice notice, to: (a) increase or decrease the ATM Limit and/or the Monthly Spending Limit; and/or (b) refuse to re-issue, renew or replace any Citibank ATM/Debit Card; and/or (c) introduce, amend, vary, , terminate or withdraw all or any of the benefits, services, facilities and privileges in respect of or in connection with your Citibank ATM/Debit Card and/or the use of your Citibank ATM/Debit Card, whether specifically relating to you or generally to all or specific cardmembers. 11.4 Where you are issued with a Citibank ATM/Debit Card, the CIN may or may not coincide with the number of any Account. In addition, we may at your request or at any time without incurring any liability or giving any reason, and upon giving you notice, change your CIN and issue a replacement Citibank ATM/Debit Card, and we may, where applicable, continue to debit all Citibank Debit Card Transactions on your new Citibank ATM/Debit Card to the Designated Account. We may also continue to debit all Cash Withdrawals and/or Cash Advances on your new Citibank ATM/ ATM/Debit Card to the relevant Account. If we have given you such notice, you must immediately return to us your Citibank ATM/Debit Card cut in halves. In addition, in the event that another account maintained by you with us is designated with our consent as the “Designated Account” for the use of your Citibank ATM/Debit Card in place of the Designated Account, such account shall be regarded as the Designated Account for the purpose of these Terms and Conditions with effect from such date as we may notify you. 11.5 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitced entitled at any time in our reasonable absolute discretion to suspent suspend your right to use the Citibank Atm, ATM/Debit Card entirely or in respect of specified facilities.

Citibank’s Discretion. 11.1 Without prejudice to any of our rights and remedies, we are entitled, at any time in our reasonable absolute discretion and without giving any reason or notice, to refuse to approve any proposed: (a) Cash Withdrawal and/or Cash Advance notwithstanding that the amount of the proposed Cash Withdrawal and/or Cash Advance does not exceed the Available Balance or the ATM Limit would not be exceeded if such Cash Withdrawal and/or Cash Advance is effected; and/or (b) Citibank Debit Card Transaction, notwithstanding that the amount of the proposed Citibank Debit Card Transactions does not exceed the Available Balance in the Designated Account or the Monthly Transaction Amount would not exceed the Monthly Spending Limit if such Citibank Debit Card Transaction is effected. 11.2 Without prejudice and notwithstanding the other provisions of these Terms and Conditions, we may allow or approve any Citibank Debit Card Transaction, Cash Withdrawal and/ or and/or Cash Advance, even if: (a) the amount of the Cash Withdrawal, Cash Advance and/or Citibank Debit Card Transaction exceeds the Available Balance in the relevant Account; and/or (b) the Monthly Spending Limit would be exceeded, as the case may be, and we may debit the Designated Account (or any other Account) with any amount due from you to us (whether in respect of any Cash Withdrawal, Cash Advance and/or Citibank Debit Card Transaction, interest, fee, charge or otherwise) even if an Overdrawn Balance would result in any Account from such debiting. 11.3 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitled at any time in our reasonable absolute discretion with reasonable without giving you any notice or reason, to: (a) suspend your right to use the Citibank ATM/Debit Card entirely or in respect of specified facilities; and/or (b) increase or decrease the ATM Limit and/or the Monthly Spending Limit; and/or (bc) refuse to re-issue, renew or replace any Citibank ATM/Debit Card; and/or (cd) introduce, amend, vary, restrict, suspend, terminate or withdraw all or any of the benefits, services, facilities and privileges in respect of or in connection with your Citibank ATM/Debit Card and/or the use of your Citibank ATM/ATM/ Debit Card, whether specifically relating to you or generally to all or specific cardmembers. 11.4 Where you are issued with a Citibank ATM/Debit Card, the CIN may or may not coincide with the number of any Account. In addition, we may at your request or at any time without incurring any liability or giving any reason, and upon giving you notice, change your CIN and issue a replacement Citibank ATM/Debit Card, and we may, where applicable, continue to debit all Citibank Debit Card Transactions on your new Citibank ATM/Debit Card to the Designated Account. We may also continue to debit all Cash Withdrawals and/or Cash Advances on your new Citibank ATM/ ATM/Debit Card to the relevant Account. If we have given you such notice, you must immediately return to us your Citibank ATM/Debit Card cut in halves. In addition, in the event that another account maintained by you with us is designated with our consent as the “Designated Account” for the use of your Citibank ATM/Debit Card in place of the Designated Account, such account shall be regarded as the Designated Account for the purpose of these Terms and Conditions with effect from such date as we may notify you. 11.5 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitced at any time in our reasonable discretion to suspent your right to use the Citibank Atm, Debit Card entirely or respect of specified facilities.

Citibank’s Discretion. 11.1 Without prejudice to any of our rights and remedies, we are entitled, at any time in our reasonable discretion and without giving any reason or notice, to refuse to approve any proposed: (a) Cash Withdrawal and/or Cash Advance notwithstanding that the amount of the proposed Cash Withdrawal and/or Cash Advance does not exceed the Available Balance or the ATM Limit would not be exceeded if such Cash Withdrawal and/or Cash Advance is effected; and/or (b) Citibank Debit Card Transaction, notwithstanding that the amount of the proposed Citibank Debit Card Transactions does not exceed the Available Balance in the Designated Account or the Monthly Transaction Amount would not exceed the Monthly Spending Limit if such Citibank Debit Card Transaction is effected. 11.2 Without prejudice and notwithstanding the other provisions of these Terms and Conditions, we may allow or approve any Citibank Debit Card Transaction, Cash Withdrawal and/ or and/or Cash Advance, even if: (a) the amount of the Cash Withdrawal, Cash Advance and/or Citibank Debit Card Transaction exceeds the Available Balance in the relevant Account; and/or (b) the Monthly Spending Limit would be exceeded, as the case may be, and we may debit the Designated Account (or any other Account) with any amount due from you to us (whether in respect of any Cash Withdrawal, Cash Advance and/or Citibank Debit Card Transaction, interest, fee, charge or otherwise) even if an Overdrawn Balance would result in any Account from such debiting. 11.3 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitled at any time in our reasonable discretion with reasonable notice to: (a) increase or decrease the ATM Limit and/or the Monthly Spending Limit; and/or (b) refuse to re-issue, renew or replace any Citibank ATM/Debit Card; and/or (c) introduce, amend, vary, terminate or withdraw all or any of the benefits, services, facilities and privileges in respect of or in connection with your Citibank ATM/Debit Card and/or the use of your Citibank ATM/Debit Card, whether specifically relating to you or generally to all or specific cardmembers. 11.4 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitced at any time in our reasonable discretion to suspent your right to use the Citibank Atm, Debit Card entirely or respect of specified facilities. 11.5 Where you are issued with a Citibank ATM/Debit Card, the CIN may or may not coincide with the number of any Account. In addition, we may at your request or at any time without incurring any liability or giving any reason, and upon giving you notice, change your CIN and issue a replacement Citibank ATM/Debit Card, and we may, where applicable, continue to debit all Citibank Debit Card Transactions on your new Citibank ATM/Debit Card to the Designated Account. We may also continue to debit all Cash Withdrawals and/or Cash Advances on your new Citibank ATM/ ATM/Debit Card to the relevant Account. If we have given you such notice, you must immediately return to us your Citibank ATM/Debit Card cut in halves. In addition, in the event that another account maintained by you with us is designated with our consent as the “Designated Account” for the use of your Citibank ATM/Debit Card in place of the Designated Account, such account shall be regarded as the Designated Account for the purpose of these Terms and Conditions with effect from such date as we may notify you. 11.5 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitced at any time in our reasonable discretion to suspent your right to use the Citibank Atm, Debit Card entirely or respect of specified facilities.

Citibank’s Discretion. 11.1 Without prejudice to any of our rights and remedies, we are entitled, at any time in our reasonable discretion and without giving any reason or notice, to refuse to approve any proposed: (a) Cash Withdrawal and/or Cash Advance notwithstanding that the amount of the proposed Cash Withdrawal and/or Cash Advance does not exceed the Available Balance or the ATM Limit would not be exceeded if such Cash Withdrawal and/or Cash Advance is effected; and/or (b) Card Transaction, notwithstanding that the amount of the proposed Card Transactions does not exceed the Available Balance in the Designated Account or the Monthly Transaction Amount would not exceed the Monthly Spending Limit if such Card Transaction is effected. 11.2 Without prejudice and notwithstanding the other provisions of these Terms and Conditions, we may allow or approve any Card Transaction, Cash Withdrawal and/ or Cash Advance, even if: (a) the amount of the Cash Withdrawal, Cash Advance and/or Card Transaction exceeds the Available Balance in the relevant Account; and/or (b) the Monthly Spending Limit would be exceeded, as the case may be, and we may debit the Designated Account (or any other Account) with any amount due from you to us (whether in respect of any Cash Withdrawal, Cash Advance and/or Card Transaction, interest, fee, charge or otherwise) even if an Overdrawn Balance would result in any Account from such debiting. 11.3 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitled at any time in our reasonable discretion with reasonable notice notice, to: (a) increase or decrease the ATM Limit and/or the Monthly Spending Limit; and/or (b) refuse to re-issue, renew or replace any Citibank ATM/Debit Card; and/or (c) introduce, amend, vary, terminate or withdraw all or any of the benefitsbenefits, services, facilities and privileges in respect of or in connection with your Citibank ATM/Debit Card and/or the use of your Citibank ATM/Debit Card, whether specifically specifically relating to you or generally to all or specific specific cardmembers. 11.4 Where you are issued with a Citibank ATM/Debit Card, the CIN may or may not coincide with the number of any Account. In addition, we may at your request or at any time without incurring any liability or giving any reason, and upon giving you notice, change your CIN and issue a replacement Citibank ATM/Debit Card, and we may, where applicable, continue to debit all Citibank Debit Card Transactions on your new Citibank ATM/Debit Card to the Designated Account. We may also continue to debit all Cash Withdrawals and/or Cash Advances on your new Citibank ATM/ ATM/Debit Card to the relevant Account. If we have given you such notice, you must immediately return to us your Citibank ATM/Debit Card cut in halves. In addition, in the event that another account maintained by you with us is designated with our consent as the “Designated Account” for the use of your Citibank ATM/Debit Card in place of the Designated Account, such account shall be regarded as the Designated Account for the purpose of these Terms and Conditions with effect from such date as we may notify you. 11.5 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitced entitled at any time in our reasonable absolute discretion to suspent suspend your right to use the Citibank Atm, ATM/Debit Card entirely or in respect of specified specified facilities.

Citibank’s Discretion. 11.1 Without prejudice to any of our rights and remedies, we are entitled, at any time in our reasonable discretion and without giving any reason or notice, to refuse to approve any proposed: (a) Cash Withdrawal and/or Cash Advance notwithstanding that the amount of the proposed Cash Withdrawal and/or Cash Advance does not exceed the Available Balance or the ATM Limit would not be exceeded if such Cash Withdrawal and/or Cash Advance is effected; and/or (b) Card Transaction, notwithstanding that the amount of the proposed Card Transactions does not exceed the Available Balance in the Designated Account or the Monthly Transaction Amount would not exceed the Monthly Spending Limit if such Card Transaction is effected. 11.2 Without prejudice and notwithstanding the other provisions of these Terms and Conditions, we may allow or approve any Card Transaction, Cash Withdrawal and/ or and/or Cash Advance, even if: (a) the amount of the Cash Withdrawal, Cash Advance and/or Card Transaction exceeds the Available Balance in the relevant Account; and/or (b) the Monthly Spending Limit would be exceeded, as the case may be, and we may debit the Designated Account (or any other Account) with any amount due from you to us (whether in respect of any Cash Withdrawal, Cash Advance and/or Card Transaction, interest, fee, charge or otherwise) even if an Overdrawn Balance would result in any Account from such debiting. 11.3 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitled at any time in our reasonable discretion with reasonable notice notice, to: (a) increase or decrease the ATM Limit and/or the Monthly Spending Limit; and/or (b) refuse to re-issue, renew or replace any Citibank ATM/Debit Card; and/or (c) introduce, amend, vary, terminate or withdraw all or any of the benefits, services, facilities and privileges in respect of or in connection with your Citibank ATM/Debit Card and/or the use of your Citibank ATM/Debit Card, whether specifically relating to you or generally to all or specific cardmembers. 11.4 Where you are issued with a Citibank ATM/Debit Card, the CIN may or may not coincide with the number of any Account. In addition, we may at your request or at any time without incurring any liability or giving any reason, and upon giving you notice, change your CIN and issue a replacement Citibank ATM/Debit Card, and we may, where applicable, continue to debit all Citibank Debit Card Transactions on your new Citibank ATM/Debit Card to the Designated Account. We may also continue to debit all Cash Withdrawals and/or Cash Advances on your new Citibank ATM/ ATM/Debit Card to the relevant Account. If we have given you such notice, you must immediately return to us your Citibank ATM/Debit Card cut in halves. In addition, in the event that another account maintained by you with us is designated with our consent as the “Designated Account” for the use of your Citibank ATM/Debit Card in place of the Designated Account, such account shall be regarded as the Designated Account for the purpose of these Terms and Conditions with effect from such date as we may notify you. 11.5 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitced entitled at any time in our reasonable absolute discretion to suspent suspend your right to use the Citibank Atm, ATM/Debit Card entirely or in respect of specified facilities.

Citibank’s Discretion. 11.1 Without prejudice to any of our rights and remedies, we are entitled, at any time in our reasonable discretion and without giving any reason or notice, to refuse to approve any proposed: (a) Cash Withdrawal and/or Cash Advance notwithstanding that the amount of the proposed Cash Withdrawal and/or Cash Advance does not exceed the Available Balance or the ATM Limit would not be exceeded if such Cash Withdrawal and/or Cash Advance is effected; and/or (b) Card Transaction, notwithstanding that the amount of the proposed Card Transactions does not exceed the Available Balance in the Designated Account or the Monthly Transaction Amount would not exceed the Monthly Spending Limit if such Card Transaction is effected. 11.2 Without prejudice and notwithstanding the other provisions of these Terms and Conditions, we may allow or approve any Card Transaction, Cash Withdrawal and/ or and/or Cash Advance, even if: (a) the amount of the Cash Withdrawal, Cash Advance and/or Card Transaction exceeds the Available Balance in the relevant Account; and/or (b) the Monthly Spending Limit would be exceeded, as the case may be, and we may debit the Designated Account (or any other Account) with any amount due from you to us (whether in respect of any Cash Withdrawal, Cash Advance and/or Card Transaction, interest, fee, charge or otherwise) even if an Overdrawn Balance would result in any Account from such debiting. 11.3 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitled at any time in our reasonable discretion with reasonable notice notice, to: (a) increase or decrease the ATM Limit and/or the Monthly Spending Limit; and/or (b) refuse to re-issue, renew or replace any Citibank ATM/Debit Card; and/or (c) introduce, amend, vary, terminate or withdraw all or any of the benefits, services, facilities and privileges in respect of or in connection with your Citibank ATM/Debit Card and/or the use of your Citibank ATM/Debit Card, whether specifically relating to you or generally to all or specific cardmembers. 11.4 Where you are issued with a Citibank ATM/Debit Card, the CIN may or may not coincide with the number of any Account. In addition, we may at your request or at any time without incurring any liability or giving any reason, and upon giving you notice, change your CIN and issue a replacement Citibank ATM/Debit Card, and we may, where applicable, continue to debit all Card Transactions on your new Citibank ATM/Debit Card to the Designated Account. We may also continue to debit all Cash Withdrawals and/or Cash Advances on your new Citibank ATM/ Debit Card to the relevant Account. If we have given you such notice, you must immediately return to us your Citibank ATM/Debit Card cut in halves. In addition, in the event that another account maintained by you with us is designated with our consent as the “Designated Account” for the use of your Citibank ATM/Debit Card in place of the Designated Account, such account shall be regarded as the Designated Account for the purpose of these Terms and Conditions with effect from such date as we may notify you. 11.5 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitced at any time in our reasonable discretion to suspent your right to use the Citibank Atm, Debit Card entirely or respect of specified facilities.

Citibank’s Discretion. 11.1 Without prejudice to any of our rights and remedies, we are entitled, at any time in our reasonable discretion and without giving any reason or notice, to refuse to approve any proposed: (a) Cash Withdrawal and/or Cash Advance notwithstanding that the amount of the proposed Cash Withdrawal and/or Cash Advance does not exceed the Available Balance or the ATM Limit would not be exceeded if such Cash Withdrawal and/or Cash Advance is effected; and/or (b) Citibank Debit Card Transaction, notwithstanding that the amount of the proposed Citibank Debit Card Transactions does not exceed the Available Balance in the Designated Account or the Monthly Transaction Amount would not exceed the Monthly Spending Limit if such Citibank Debit Card Transaction is effected. 11.2 Without prejudice and notwithstanding the other provisions of these Terms and Conditions, we may allow or approve any Citibank Debit Card Transaction, Cash Withdrawal and/ or and/or Cash Advance, even if: (a) the amount of the Cash Withdrawal, Cash Advance and/or Citibank Debit Card Transaction exceeds the Available Balance in the relevant Account; and/or (b) the Monthly Spending Limit would be exceeded, as the case may be, and we may debit the Designated Account (or any other Account) with any amount due from you to us (whether in respect of any Cash Withdrawal, Cash Advance and/or Citibank Debit Card Transaction, interest, fee, charge or otherwise) even if an Overdrawn Balance would result in any Account from such debiting. 11.3 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitled at any time in our reasonable discretion with reasonable notice notice, to: (a) increase or decrease the ATM Limit and/or the Monthly Spending Limit; and/or (b) refuse to re-issue, renew or replace any Citibank ATM/Debit Card; and/or (c) introduce, amend, vary, , terminate or withdraw all or any of the benefits, services, facilities and privileges in respect of or in connection with your Citibank ATM/Debit Card and/or the use of your Citibank ATM/Debit Card, whether specifically specifi cally relating to you or generally to all or specific specifi c cardmembers. 11.4 Where you are issued with a Citibank ATM/Debit Card, the CIN may or may not coincide with the number of any Account. In addition, we may at your request or at any time without incurring any liability or giving any reason, and upon giving you notice, change your CIN and issue a replacement Citibank ATM/Debit Card, and we may, where applicable, continue to debit all Citibank Debit Card Transactions on your new Citibank ATM/Debit Card to the Designated Account. We may also continue to debit all Cash Withdrawals and/or Cash Advances on your new Citibank ATM/ ATM/Debit Card to the relevant Account. If we have given you such notice, you must immediately return to us your Citibank ATM/Debit Card cut in halves. In addition, in the event that another account maintained by you with us is designated with our consent as the “Designated Account” for the use of your Citibank ATM/Debit Card in place of the Designated Account, such account shall be regarded as the Designated Account for the purpose of these Terms and Conditions with effect from such date as we may notify you. 11.5 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitced entitled at any time in our reasonable absolute discretion to suspent suspend your right to use the Citibank Atm, ATM/Debit Card entirely or in respect of specified facilities.

Citibank’s Discretion. 11.1 Without prejudice to any of our rights and remedies, we are entitled, at any time in our reasonable absolute discretion and without giving any reason or notice, to refuse to approve any proposed: (a) Cash Withdrawal and/or Cash Advance notwithstanding that the amount of the proposed Cash Withdrawal and/or Cash Advance does not exceed the Available Balance or the ATM Limit would not be exceeded if such Cash Withdrawal and/or Cash Advance is effected; and/or (b) Citibank Debit Card Transaction, notwithstanding that the amount of the proposed Citibank Debit Card Transactions does not exceed the Available Balance in the Designated Account or the Monthly Transaction Amount would not exceed the Monthly Spending Limit if such Citibank Debit Card Transaction is effected. 11.2 Without prejudice and notwithstanding the other provisions of these Terms and Conditions, we may allow or approve any Citibank Debit Card Transaction, Cash Withdrawal and/ or and/or Cash Advance, even if: (a) the amount of the Cash Withdrawal, Cash Advance and/or Citibank Debit Card Transaction exceeds the Available Balance in the relevant Account; and/or (b) the Monthly Spending Limit would be exceeded, as the case may be, and we may debit the Designated Account (or any other Account) with any amount due from you to us (whether in respect of any Cash Withdrawal, Cash Advance and/or Citibank Debit Card Transaction, interest, fee, charge or otherwise) even if an Overdrawn Balance would result in any Account from such debiting. 11.3 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitled at any time in our reasonable absolute discretion with reasonable without giving you any notice or reason, to: (a) suspend your right to use the Citibank ATM/Debit Card entirely or in respect of specified facilities; and/or (b) increase or decrease the ATM Limit and/or the Monthly Spending Limit; and/or (bc) refuse to re-issue, renew or replace any Citibank ATM/Debit Card; and/or (cd) introduce, amend, vary, restrict, suspend, terminate or withdraw all or any of the benefits, services, facilities and privileges in respect of or in connection with your Citibank ATM/Debit Card and/or the use of your Citibank ATM/Debit Card, whether specifically relating to you or generally to all or specific cardmembers. 11.4 Where you are issued with a Citibank ATM/Debit Card, the CIN may or may not coincide with the number of any Account. In addition, we may at your request or at any time without incurring any liability or giving any reason, and upon giving you notice, change your CIN and issue a replacement Citibank ATM/Debit Card, and we may, where applicable, continue to debit all Citibank Debit Card Transactions on your new Citibank ATM/Debit Card to the Designated Account. We may also continue to debit all Cash Withdrawals and/or Cash Advances on your new Citibank ATM/ ATM/Debit Card to the relevant Account. If we have given you such notice, you must immediately return to us your Citibank ATM/Debit Card cut in halves. In addition, in the event that another account maintained by you with us is designated with our consent as the “Designated Account” for the use of your Citibank ATM/Debit Card in place of the Designated Account, such account shall be regarded as the Designated Account for the purpose of these Terms and Conditions with effect from such date as we may notify you. 11.5 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitced at any time in our reasonable discretion to suspent your right to use the Citibank Atm, Debit Card entirely or respect of specified facilities.

Citibank’s Discretion. 11.1 Without prejudice to any of our rights and remedies, we are entitled, at any time in our reasonable discretion and without giving any reason or notice, to refuse to approve any proposed: (a) Cash Withdrawal and/or Cash Advance notwithstanding that the amount of the proposed Cash Withdrawal and/or Cash Advance does not exceed the Available Balance or the ATM Limit would not be exceeded if such Cash Withdrawal and/or Cash Advance is effected; and/or (b) Card Transaction, notwithstanding that the amount of the proposed Card Transactions does not exceed the Available Balance in the Designated Account or the Monthly Transaction Amount would not exceed the Monthly Spending Limit if such Card Transaction is effected. 11.2 Without prejudice and notwithstanding the other provisions of these Terms and Conditions, we may allow or approve any Card Transaction, Cash Withdrawal and/ or and/or Cash Advance, even if: (a) the amount of the Cash Withdrawal, Cash Advance and/or Card Transaction exceeds the Available Balance in the relevant Account; and/or (b) the Monthly Spending Limit would be exceeded, as the case may be, and we may debit the Designated Account (or any other Account) with any amount due from you to us (whether in respect of any Cash Withdrawal, Cash Advance and/or Card Transaction, interest, fee, charge or otherwise) even if an Overdrawn Balance would result in any Account from such debiting. 11.3 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitled at any time in our reasonable discretion with reasonable notice notice, to: (a) increase or decrease the ATM Limit and/or the Monthly Spending Limit; and/or (b) refuse to re-issue, renew or replace any Citibank ATM/Debit Card; and/or (c) introduce, amend, vary, terminate or withdraw all or any of the benefitsbenefits, services, facilities and privileges in respect of or in connection with your Citibank ATM/Debit Card and/or the use of your Citibank ATM/Debit Card, whether specifically specifically relating to you or generally to all or specific specific cardmembers. 11.4 Where you are issued with a Citibank ATM/Debit Card, the CIN may or may not coincide with the number of any Account. In addition, we may at your request or at any time without incurring any liability or giving any reason, and upon giving you notice, change your CIN and issue a replacement Citibank ATM/Debit Card, and we may, where applicable, continue to debit all Card Transactions on your new Citibank ATM/Debit Card to the Designated Account. We may also continue to debit all Cash Withdrawals and/or Cash Advances on your new Citibank ATM/ Debit Card to the relevant Account. If we have given you such notice, you must immediately return to us your Citibank ATM/Debit Card cut in halves. In addition, in the event that another account maintained by you with us is designated with our consent as the “Designated Account” for the use of your Citibank ATM/Debit Card in place of the Designated Account, such account shall be regarded as the Designated Account for the purpose of these Terms and Conditions with effect from such date as we may notify you. 11.5 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitced at any time in our reasonable discretion to suspent your right to use the Citibank Atm, Debit Card entirely or respect of specified facilities.

Citibank’s Discretion. 11.1 Without prejudice to any of our rights and remedies, we are entitled, at any time in our reasonable discretion and without giving any reason or notice, to refuse to approve any proposed: (a) Cash Withdrawal and/or Cash Advance notwithstanding that the amount of the proposed Cash Withdrawal and/or Cash Advance does not exceed the Available Balance or the ATM Limit would not be exceeded if such Cash Withdrawal and/or Cash Advance is effected; and/or (b) Card Transaction, notwithstanding that the amount of the proposed Card Transactions does not exceed the Available Balance in the Designated Account or the Monthly Transaction Amount would not exceed the Monthly Spending Limit if such Card Transaction is effected. 11.2 Without prejudice and notwithstanding the other provisions of these Terms and Conditions, we may allow or approve any Card Transaction, Cash Withdrawal and/ or and/or Cash Advance, even if: (a) the amount of the Cash Withdrawal, Cash Advance and/or Card Transaction exceeds the Available Balance in the relevant Account; and/or (b) the Monthly Spending Limit would be exceeded, as the case may be, and we may debit the Designated Account (or any other Account) with any amount due from you to us (whether in respect of any Cash Withdrawal, Cash Advance and/or Card Transaction, interest, fee, charge or otherwise) even if an Overdrawn Balance would result in any Account from such debiting. 11.3 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitled at any time in our reasonable discretion with reasonable notice to: (a) increase or decrease the ATM Limit and/or the Monthly Spending Limit; and/or (b) refuse to re-issue, renew or replace any Citibank ATM/Debit Card; and/or (c) introduce, amend, vary, terminate or withdraw all or any of the benefits, services, facilities and privileges in respect of or in connection with your Citibank ATM/Debit Card and/or the use of your Citibank ATM/Debit Card, whether specifically relating to you or generally to all or specific cardmembers. 11.4 Where you are issued with a Citibank ATM/Debit Card, the CIN may or may not coincide with the number of any Account. In addition, we may at your request or at any time without incurring any liability or giving any reason, and upon giving you notice, change your CIN and issue a replacement Citibank ATM/Debit Card, and we may, where applicable, continue to debit all Card Transactions on your new Citibank ATM/Debit Card to the Designated Account. We may also continue to debit all Cash Withdrawals and/or Cash Advances on your new Citibank ATM/ Debit Card to the relevant Account. If we have given you such notice, you must immediately return to us your Citibank ATM/Debit Card cut in halves. In addition, in the event that another account maintained by you with us is designated with our consent as the “Designated Account” for the use of your Citibank ATM/Debit Card in place of the Designated Account, such account shall be regarded as the Designated Account for the purpose of these Terms and Conditions with effect from such date as we may notify you. 11.5 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitced at any time in our reasonable discretion to suspent your right to use the Citibank Atm, Debit Card entirely or respect of specified facilities.

Citibank’s Discretion. 11.1 Without prejudice to any of our rights and remedies, we are entitled, at any time in our reasonable discretion and without giving any reason or notice, to refuse to approve any proposed: (a) Cash Withdrawal and/or Cash Advance notwithstanding that the amount of the proposed Cash Withdrawal and/or Cash Advance does not exceed the Available Balance or the ATM Limit would not be exceeded if such Cash Withdrawal and/or Cash Advance is effected; and/or (b) Card Transaction, notwithstanding that the amount of the proposed Card Transactions does not exceed the Available Balance in the Designated Account or the Monthly Transaction Amount would not exceed the Monthly Spending Limit if such Card Transaction is effected. 11.2 Without prejudice and notwithstanding the other provisions of these Terms and Conditions, we may allow or approve any Card Transaction, Cash Withdrawal and/ or Cash Advance, even if: (a) the amount of the Cash Withdrawal, Cash Advance and/or Card Transaction exceeds the Available Balance in the relevant Account; and/or (b) the Monthly Spending Limit would be exceeded, as the case may be, and we may debit the Designated Account (or any other Account) with any amount due from you to us (whether in respect of any Cash Withdrawal, Cash Advance and/or Card Transaction, interest, fee, charge or otherwise) even if an Overdrawn Balance would result in any Account from such debiting. 11.3 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitled at any time in our reasonable discretion with reasonable notice notice, to: (a) increase or decrease the ATM Limit and/or the Monthly Spending Limit; and/or (b) refuse to re-issue, renew or replace any Citibank ATM/Debit Card; and/or (c) introduce, amend, vary, terminate or withdraw all or any of the benefitsbenefits, services, facilities and privileges in respect of or in connection with your Citibank ATM/Debit Card and/or the use of your Citibank ATM/Debit Card, whether specifically specifi cally relating to you or generally to all or specific specific cardmembers. 11.4 Where you are issued with a Citibank ATM/Debit Card, the CIN may or may not coincide with the number of any Account. In addition, we may at your request or at any time without incurring any liability or giving any reason, and upon giving you notice, change your CIN and issue a replacement Citibank ATM/Debit Card, and we may, where applicable, continue to debit all Citibank Debit Card Transactions on your new Citibank ATM/Debit Card to the Designated Account. We may also continue to debit all Cash Withdrawals and/or Cash Advances on your new Citibank ATM/ ATM/Debit Card to the relevant Account. If we have given you such notice, you must immediately return to us your Citibank ATM/Debit Card cut in halves. In addition, in the event that another account maintained by you with us is designated with our consent as the “Designated Account” for the use of your Citibank ATM/Debit Card in place of the Designated Account, such account shall be regarded as the Designated Account for the purpose of these Terms and Conditions with effect from such date as we may notify you. 11.5 Notwithstanding and without prejudice to the other provisions of these Terms and Conditions, we are entitced entitled at any time in our reasonable absolute discretion to suspent suspend your right to use the Citibank Atm, ATM/Debit Card entirely or in respect of specified specified facilities.