Common use of ISSUANCE OF POINTS Clause in Contracts

ISSUANCE OF POINTS. 6.1 Under the Program, cardmembers will receive, on a monthly basis, Points which will be credited to his card account at the rate of 1 Point for every S$1 charged to his card account for retail purchases: 6.2 Points shall be calculated on the amount of each retail purchase transaction and rounded to the nearest Point. Any refunded retail charges from the pre-termination of any easy/ extended payment plans (EPP) will not be accredited Points. The bank will be entitled to claw back from the card account of a cardmember any Points already credited to such card account in respect of refunded retail purchases and refunded tax on retail purchases. 6.3 In determining the amount of retail purchases for purposes of calculation of Points, the following transactions/charges shall not be taken into account and will not earn any Points: (i) annual fees, interest charges, late payment charges, GST, cash advances, instalment/easy/extended/equal payment plans, preferred payment plans, balance transfers, cash advances, quasi- cash transactions, all fees charged by Citibank or third party, miscellaneous charges imposed by Citibank (unless otherwise stated in writing by Citibank); (ii) funds transfers using the card as source of funds; (iii) bill payments (including via Citibank Online or via any other channel or agent); (iv) payments to educational institutions; (v) payments to government institutions and services (including but not limited to court cases, fines, bail and bonds, tax payment, postal services, parking lots and garages, intra-government purchases); (vi) payments to insurance companies (sales, underwriting, and premiums); (vii) payments to financial institutions (including banks and brokerages); (viii) payments to non-profit organizations; (ix) betting or gambling (including lottery tickets, casino gaming chips, off-track betting, and xxxxxx at race tracks) through any channel; (x) any top-ups or payment of funds to payment service providers, prepaid cards and any prepaid accounts; (xi) transit-related transactions; and (xii) transactions performed at establishments/businesses/merchants that fall within an excluded Merchant Category or a merchant that has been excluded by the bank, as set out in xxx.xxxxxxxx.xxx.xx/xxxxxxx (you acknowledge that this list of excluded Merchant Categories or merchants may be updated from time to time at our discretion and you agree to refer to this list for any updates); provided always that the bank is entitled, in its reasonable discretion, to take into account or disregard any card transaction or charges or retail purchase in the calculation of Points or to otherwise vary the basis of calculation of Points. Any Points earned from any of the above transactions will be debited. 6.4 During each Points Validity Period, the cardmember will receive Points based on the amount of retail purchases made during that Points Validity Period and the cardmember may use the Points in their account to redeem any Rewards at any time during that Points Validity Period. Points accumulated in any 1 Points Validity Period shall not be carried forward to subsequent Points Validity Period. Any Points which are not used as at the last day of a Points Validity Period shall be available for use for a further 1 month; thereupon such unused Points shall be automatically cancelled and shall not thereafter be available for use by the cardmember nor be reinstated. 6.6 The accumulation and usage of Points shall be specified in the monthly statement of account. Points are not transferable and not exchangeable for cash. 6.7 Points earned by a supplementary cardmember will be credited to the card account of the basic cardmember 6.8 Cardmembers who wish to redeem their Points for cash rebates can only do so via channels approved by the bank. The rebate will be reflected as a credit in the statement of account and is not to be taken as a payment in reduction of the minimum payment due. 6.9 For the avoidance of doubt, in this clause, the terms “card” or “cards” refer to the card(s) which earns Points and the terms “cardmember” or “cardmembers” refer to the cardmember(s) of such card(s).

ISSUANCE OF POINTS. 6.1 5.1 Under the Program, cardmembers will receive, on a monthly basis, Points which will be credited to his card account at the rate of 1 Point for every S$1 charged to his card account for retail purchases: 6.2 5.2 Points shall be calculated on the amount of each retail purchase transaction and rounded to the nearest Point. Any refunded retail charges from the pre-termination of any easy/ extended payment plans (EPP) will not be accredited Points. The bank will be entitled to claw back from the card account of a cardmember any Points already credited to such card account in respect of refunded retail purchases and refunded tax on retail purchases. 6.3 5.3 In determining the amount of retail purchases for purposes of calculation of Points, the following transactions/charges shall not be taken into account and will not earn any Points: (i) annual fees, interest charges, late payment charges, GST, cash advances, instalment/easy/extended/equal payment plans, preferred payment plans, balance transfers, cash advances, quasi- quasi-cash transactions, all fees charged by Citibank or third party, miscellaneous charges imposed by Citibank (unless otherwise stated in writing by Citibank); (ii) funds transfers using the card as source of funds; (iii) bill payments (including via Citibank Online or via any other channel or agent); (iv) payments to educational institutions; (v) payments to government institutions and services (including but not limited to court cases, fines, bail and bonds, tax payment, postal services, parking lots and garages, intra-government purchases); (vi) payments to insurance companies (sales, underwriting, and premiums); (vii) payments to financial institutions (including banks and brokerages); (viii) payments to non-profit organizations; (ix) betting or gambling (including lottery tickets, casino gaming chips, off-off- track betting, and xxxxxx at race tracks) through any channel; (x) any top-ups or payment of funds to payment service providers, prepaid cards and any prepaid accounts; (xi) transit-related transactions; and (xii) transactions performed at establishments/businesses/merchants that fall within an excluded Merchant Category or a merchant that has been excluded by the bank, as set out in xxx.xxxxxxxx.xxx.xx/xxxxxxx (you acknowledge that this list of excluded Merchant Categories or merchants may be updated from time to time at our discretion and you agree to refer to this list for any updates); provided always that the bank is entitled, in its reasonable discretion, to take into account or disregard any card transaction or charges or retail purchase in the calculation of Points or to otherwise vary the basis of calculation of Points. Any Points earned from any of the above transactions will be debited. 6.4 5.4 During each Points Validity Period, the cardmember will receive Points based on the amount of retail purchases made during that Points Validity Period and the cardmember may use the Points in their account to redeem any Rewards at any time during that Points Validity Period. Points accumulated in any 1 Points Validity Period shall not be carried forward to subsequent Points Validity Period. Any Points which are not used as at the last day of a Points Validity Period shall be available for use for a further 1 month; thereupon such unused Points shall be automatically cancelled and shall not thereafter be available for use by the cardmember nor be reinstated. 6.6 5.5 The accumulation and usage of Points shall be specified in the monthly statement of account. Points are not transferable and not exchangeable for cashcash or credit. 6.7 5.6 Points earned by a supplementary cardmember cardmember, if applicable, will be credited to the card account of the basic cardmember 6.8 5.7 Cardmembers who wish to redeem their Points for cash rebates can only do so via channels approved by the bank. The rebate will be reflected as a credit in the statement of account and is not to be taken as a payment in reduction of the minimum payment due. 6.9 5.8 If a cardmember terminates his card account, any accumulated Points shall be automatically forfeited; such Points shall not be transferable to any other card account. 5.9 If the principal cardmember’s card account is terminated for any reason, whether by the principal cardmember or by Citibank, the principal cardmember and supplementary cardmember, if applicable, will forthwith be disqualified from participating in the Program and all Points then accumulated shall automatically be forfeited. 5.10 If a supplementary card, if applicable, is terminated at any time for any reason, the principal cardmember will not be disqualified from participating in the Program. 5.11 For the avoidance of doubt, in this clause, the terms “card” or “cards” refer to the card(s) which earns Points and the terms “cardmember” or “cardmembers” refer to the cardmember(s) of such card(s).

ISSUANCE OF POINTS. 6.1 Under the Program, cardmembers will receive, on a monthly basis, Points which will be credited to his card account at the rate of 1 Point for every S$1 charged to his card account for retail purchases: 6.2 Points shall be calculated on the amount of each retail purchase transaction and rounded to the nearest Point. Any refunded retail charges from the pre-termination of any easy/ extended payment plans (EPP) will not be accredited Points. The bank will be entitled to claw back from the card account of a cardmember any Points already credited to such card account in respect of refunded retail purchases and refunded tax on retail purchases. 6.3 In determining the amount of retail purchases for purposes of calculation of Points, the following transactions/charges shall not be taken into account and will not earn any Points: (i) annual fees, interest charges, late payment charges, GST, cash advances, instalment/easy/extended/equal payment plans, preferred payment plans, balance transfers, cash advances, quasi- cash transactions, all fees charged by Citibank or third party, miscellaneous charges imposed by Citibank (unless otherwise stated in writing by Citibank); (ii) funds transfers using the card as source of funds; (iii) bill payments (including via Citibank Online or via any other channel or agent); (iv) payments to educational institutions; (v) payments to government institutions and services (including but not limited to court cases, finesfines, bail and bonds, tax payment, postal services, parking lots and garages, intra-government purchases); (vi) payments to insurance companies (sales, underwriting, and premiums); (vii) payments to financial financial institutions (including banks and brokerages); (viii) payments to non-profit profit organizations; (ix) betting or gambling (including lottery tickets, casino gaming chips, off-track betting, and xxxxxx at race tracks) through any channel; (x) any top-ups or payment of funds to payment service providers, prepaid cards and any prepaid accounts; (xi) transit-related transactions; and (xii) transactions performed at establishments/businesses/merchants that fall within an excluded Merchant Category or a merchant that has been excluded by the bank, as set out in xxx.xxxxxxxx.xxx.xx/xxxxxxx (you acknowledge that this list of excluded Merchant Categories or merchants may be updated from time to time at our discretion and you agree to refer to this list for any updates); provided always that the bank is entitled, in its reasonable discretion, to take into account or disregard any card transaction or charges or retail purchase in the calculation of Points or to otherwise vary the basis of calculation of Points. Any Points earned from any of the above transactions will be debited. 6.4 During each Points Validity Period, the cardmember will receive Points based on the amount of retail purchases made during that Points Validity Period and the cardmember may use the Points in their account to redeem any Rewards at any time during that Points Validity Period. Points accumulated in any 1 Points Validity Period shall not be carried forward to subsequent Points Validity Period. Any Points which are not used as at the last day of a Points Validity Period shall be available for use for a further 1 month; thereupon such unused Points shall be automatically cancelled and shall not thereafter be available for use by the cardmember nor be reinstated. 6.6 The accumulation and usage of Points shall be specified specified in the monthly statement of account. Points are not transferable and not exchangeable for cash. 6.7 Points earned by a supplementary cardmember will be credited to the card account of the basic cardmember 6.8 Cardmembers who wish to redeem their Points for cash rebates can only do so via channels approved by the bank. The rebate will be reflected reflected as a credit in the statement of account and is not to be taken as a payment in reduction of the minimum payment due. 6.9 For the avoidance of doubt, in this clause, the terms “card” or “cards” refer to the card(s) which earns Points and the terms “cardmember” or “cardmembers” refer to the cardmember(s) of such card(s).

ISSUANCE OF POINTS. 6.1 Under the Program, cardmembers will receive, on a monthly basis, Points which will be credited to his card account at the rate of 1 Point for every S$1 charged to his card account for retail purchases: 6.2 Points shall be calculated on the amount of each retail purchase transaction and rounded to the nearest Point. Any refunded retail charges from the pre-termination of any easy/ extended payment plans (EPP) will not be accredited Points. The bank will be entitled to claw back from the card account of a cardmember any Points already credited to such card account in respect of refunded retail purchases and refunded tax on retail purchases. 6.3 In determining the amount of retail purchases for purposes of calculation of Points, the following transactions/charges shall not be taken into account and will not earn any Points: (i) annual fees, interest charges, late payment charges, GST, cash advances, instalment/easy/extended/equal payment plans, preferred payment plans, balance transfers, cash advances, quasi- quasi-cash transactions, all fees charged by Citibank or third party, miscellaneous charges imposed by Citibank (unless otherwise stated in writing by Citibank); (ii) funds transfers using the card as source of funds; (iii) bill payments (including via Citibank Online or via any other channel or agent); (iv) payments to educational institutions; (v) payments to government institutions and services (including but not limited to court cases, fines, bail and bonds, tax payment, postal services, parking lots and garages, intra-government purchases); (vi) payments to insurance companies (sales, underwriting, and premiums); (vii) payments to financial institutions (including banks and brokerages); (viii) payments to non-profit organizations; (ix) betting or gambling (including lottery tickets, casino gaming chips, off-track betting, and xxxxxx at race tracks) through any channel; (x) any top-ups or payment of funds to payment service providers, prepaid cards and any prepaid accounts; (xi) transit-related transactions; and (xii) transactions performed at establishments/businesses/merchants that fall within an excluded Merchant Category or a merchant that has been excluded by the bank, as set out in xxx.xxxxxxxx.xxx.xx/xxxxxxx (you acknowledge that this list of excluded Merchant Categories or merchants may be updated from time to time at our discretion and you agree to refer to this list for any updates); provided always that the bank is entitled, in its reasonable discretion, to take into account or disregard any card transaction or charges or retail purchase in the calculation of Points or to otherwise vary the basis of calculation of Points. Any Points earned from any of the above transactions will be debited. 6.4 During each Points Validity Period, the cardmember will receive Points based on the amount of retail purchases made during that Points Validity Period and the cardmember may use the Points in their account to redeem any Rewards at any time during that Points Validity Period. Points accumulated in any 1 Points Validity Period shall not be carried forward to subsequent Points Validity Period. Any Points which are not used as at the last day of a Points Validity Period shall be available for use for a further 1 month; thereupon such unused Points shall be automatically cancelled and shall not thereafter be available for use by the cardmember nor be reinstated. 6.6 The accumulation and usage of Points shall be specified in the monthly statement of account. Points are not transferable and not exchangeable for cash. 6.7 Points earned by a supplementary cardmember will be credited to the card account of the basic cardmember 6.8 Cardmembers who wish to redeem their Points for cash rebates can only do so via channels approved by the bank. The rebate will be reflected as a credit in the statement of account and is not to be taken as a payment in reduction of the minimum payment due. 6.9 For the avoidance of doubt, in this clause, the terms “card” or “cards” refer to the card(s) which earns Points and the terms “cardmember” or “cardmembers” refer to the cardmember(s) of such card(s).

ISSUANCE OF POINTS. 6.1 5.1 Under the Program, cardmembers will receive, on a monthly basis, Points which will be credited to his card account at the rate of 1 Point for every S$1 charged to his card account for retail purchases: 6.2 5.2 Points shall be calculated on the amount of each retail purchase transaction and rounded to the nearest Point. Any refunded retail charges from the pre-termination of any easy/ extended payment plans (EPP) will not be accredited Points. The bank will be entitled to claw back from the card account of a cardmember any Points already credited to such card account in respect of refunded retail purchases and refunded tax on retail purchases. 6.3 5.3 In determining the amount of retail purchases for purposes of calculation of Points, the following transactions/charges shall not be taken into account and will not earn any Points: (i) annual fees, interest charges, late payment charges, GST, cash advances, instalment/easy/extended/equal payment plans, preferred payment plans, balance transfers, cash advances, quasi- quasi-cash transactions, all fees charged by Citibank or third party, miscellaneous charges imposed by Citibank (unless otherwise stated in writing by Citibank); (ii) funds transfers using the card as source of funds; (iii) bill payments (including via Citibank Online or via any other channel or agent); (iv) payments to educational institutions; (v) payments to government institutions and services (including but not limited to court cases, fines, bail and bonds, tax payment, postal services, parking lots and garages, intra-government purchases); (vi) payments to insurance companies (sales, underwriting, and premiums); (vii) payments to financial institutions (including banks and brokerages); (viii) payments to non-profit organizations; (ix) betting or gambling (including lottery tickets, casino gaming chips, off-off- track betting, and xxxxxx at race tracks) through any channel; (x) any top-ups or payment of funds to payment service providers, prepaid cards and any prepaid accounts; (xi) transit-related transactions; and (xii) transactions performed at establishments/businesses/merchants that fall within an excluded Merchant Category or a merchant that has been excluded by the bank, as set out in xxx.xxxxxxxx.xxx.xx/xxxxxxx (you acknowledge that this list of excluded Merchant Categories or merchants may be updated from time to time at our discretion and you agree to refer to this list for any updates); provided always that the bank is entitled, in its reasonable discretion, to take into account or disregard any card transaction or charges or retail purchase in the calculation of Points or to otherwise vary the basis of calculation of Points. Any Points earned from any of the above transactions will be debited. 6.4 5.4 During each Points Validity Period, the cardmember will receive Points based on the amount of retail purchases made during that Points Validity Period and the cardmember may use the Points in their account to redeem any Rewards at any time during that Points Validity Period. Points accumulated in any 1 Points Validity Period shall not be carried forward to subsequent Points Validity Period. Any Points which are not used as at the last day of a Points Validity Period shall be available for use for a further 1 month; thereupon such unused Points shall be automatically cancelled and shall not thereafter be available for use by the cardmember nor be reinstated. 6.6 5.5 The accumulation and usage of Points shall be specified in the monthly statement of account. Points are not transferable and not exchangeable for cashcash or credit. 6.7 5.6 Points earned by a supplementary cardmember will be credited to the card account of the basic cardmember 6.8 5.7 Cardmembers who wish to redeem their Points for cash rebates can only do so via channels approved by the bank. The rebate will be reflected as a credit in the statement of account and is not to be taken as a payment in reduction of the minimum payment due. 6.9 5.8 If a cardmember terminates his card account, any accumulated Points shall be automatically forfeited; such Points shall not be transferable to any other card account. 5.9 If the principal cardmember’s card account is terminated for any reason, whether by the principal cardmember or by Citibank, the principal cardmember and supplementary cardmember will forthwith be disqualified from participating in the Program and all Points then accumulated shall automatically be forfeited. 5.10 If a supplementary card is terminated at any time for any reason, the principal cardmember will not be disqualified from participating in the Program. 5.11 For the avoidance of doubt, in this clause, the terms “card” or “cards” refer to the card(s) which earns Points and the terms “cardmember” or “cardmembers” refer to the cardmember(s) of such card(s).

ISSUANCE OF POINTS. 6.1 5.1 Under the Program, cardmembers will receive, on a monthly basis, Points which will be credited to his card account at the rate of 1 Point for every S$1 charged to his card account for retail purchases: 6.2 5.2 Points shall be calculated on the amount of each retail purchase transaction and rounded to the nearest Point. Any refunded retail charges from the pre-termination of any easy/ extended payment plans (EPP) will not be accredited Points. The bank will be entitled to claw back from the card account of a cardmember any Points already credited to such card account in respect of refunded retail purchases and refunded tax on retail purchases. 6.3 5.3 In determining the amount of retail purchases for purposes of calculation of Points, the following transactions/charges shall not be taken into account and will not earn any Points: (i) annual fees, interest charges, late payment charges, GST, cash advances, instalment/easy/extended/equal payment plans, preferred payment plans, balance transfers, cash advances, quasi- quasi-cash transactions, all fees charged by Citibank or third party, miscellaneous charges imposed by Citibank (unless otherwise stated in writing by Citibank); (ii) funds transfers using the card as source of funds; (iii) bill payments (including via Citibank Online or via any other channel or agent); (iv) payments to educational institutions; (v) payments to government institutions and services (including but not limited to court cases, finesfines, bail and bonds, tax payment, postal services, parking lots and garages, intra-government purchases); (vi) payments to insurance companies (sales, underwriting, and premiums); (vii) payments to financial financial institutions (including banks and brokerages); (viii) payments to non-profit profit organizations; (ix) betting or gambling (including lottery tickets, casino gaming chips, off-off- track betting, and xxxxxx at race tracks) through any channel; (x) any top-ups or payment of funds to payment service providers, prepaid cards and any prepaid accounts; (xi) transit-related transactions; and (xii) transactions performed at establishments/businesses/merchants that fall within an excluded Merchant Category or a merchant that has been excluded by the bank, as set out in xxx.xxxxxxxx.xxx.xx/xxxxxxx (you acknowledge that this list of excluded Merchant Categories or merchants may be updated from time to time at our discretion and you agree to refer to this list for any updates); provided always that the bank is entitled, in its reasonable discretion, to take into account or disregard any card transaction or charges or retail purchase in the calculation of Points or to otherwise vary the basis of calculation of Points. Any Points earned from any of the above transactions will be debited. 6.4 5.4 During each Points Validity Period, the cardmember will receive Points based on the amount of retail purchases made during that Points Validity Period and the cardmember may use the Points in their account to redeem any Rewards at any time during that Points Validity Period. Points accumulated in any 1 Points Validity Period shall not be carried forward to subsequent Points Validity Period. Any Points which are not used as at the last day of a Points Validity Period shall be available for use for a further 1 month; thereupon such unused Points shall be automatically cancelled and shall not thereafter be available for use by the cardmember nor be reinstated. 6.6 5.5 The accumulation and usage of Points shall be specified specified in the monthly statement of account. Points are not transferable and not exchangeable for cashcash or credit. 6.7 5.6 Points earned by a supplementary cardmember cardmember, if applicable, will be credited to the card account of the basic cardmember 6.8 5.7 Cardmembers who wish to redeem their Points for cash rebates can only do so via channels approved by the bank. The rebate will be reflected reflected as a credit in the statement of account and is not to be taken as a payment in reduction of the minimum payment due. 6.9 5.8 If a cardmember terminates his card account, any accumulated Points shall be automatically forfeited; such Points shall not be transferable to any other card account. 5.9 If the principal cardmember’s card account is terminated for any reason, whether by the principal cardmember or by Citibank, the principal cardmember and supplementary cardmember, if applicable, will forthwith be disqualified from participating in the Program and all Points then accumulated shall automatically be forfeited. 5.10 If a supplementary card, if applicable, is terminated at any time for any reason, the principal cardmember will not be disqualified from participating in the Program. 5.11 For the avoidance of doubt, in this clause, the terms “card” or “cards” refer to the card(s) which earns Points and the terms “cardmember” or “cardmembers” refer to the cardmember(s) of such card(s).