General Terms and Conditions for Citi current accounts and savings accounts

Effective from 1 November 2014

General Terms and Conditions contents

1. GeneralInformation page 3

2. Ifyoudecidetochangeyourmind page 3

3. Definitions page 4

4. Yourcontactdetails page 5

5. Yourinstructionstous page 5

6. JointAccounts page 6

7. PowerofAttorney page 6

8. DormantandLostAccounts page 6

9. PayingmoneyintoyourAccount pages 7–8

10. PaymentsoutofyourAccount page 8

11. Changingorcancellingpaymentinstructions page 8

12. Refunds page 9

13. Cheques page 9

14. StandingOrders/DirectDebits page 10

15. Overdrafts page 10

16. FeesandCharges page 10

17. Statements pages 10-11

18.Interestoncreditbalances page 11

19.Tax page 11

20.Foreigncurrency pages 11-12

21.PaymentInstruments page 12

22.ProtectingyourAccount pages 12-13

23.Monitoringandrecording page 13

24.Set-Off page 13

25.ClosingandconvertingyourAccount page 14

26.Accountrequirements pages 14-15

27. Onlineservice page 15

28.Assignment page 15

29.MakingchangestothisAgreement pages 15–17

30.Liability page 17

31. Howweuseyourpersonalinformationandwhoweshareitwith pages 17–18

32.General page 18

33.Aboutus page 19

34.Howweareregulated page 19

35.Complaintsprocedure page 19

36.Depositprotection page 19

General Terms and Conditions for Citi current accounts and savings accounts

1. General Information

TheseGeneralTermsandConditionsforCiticurrentaccountsandsavingsaccountsformpartoftheagreement(the“Agreement”)betweentheclient(s)(“you”),andCitibankInternationalLimitedwhoseregisteredofficeisCitigroupCentre,CanadaSquare,CanaryWharf,LondonE145LB(“Citi”“we”“us”).YoushouldreadtheseGeneralTermsandConditionsandtherelevantAccountSpecificTermsandConditionscarefullyastheycontaindetailsofbindinglegalarrangementsbetweenus.Ifthereisanythingyoudonotunderstand,pleaseaskusandwewillbehappytoassistyou.RememberthatonceyousigntheapplicationformandweacceptyourapplicationyouwillbeboundbythisAgreement.

1.1 ThisAgreementconsistsoftheseGeneralTermsandConditions,theAccountSpecificTermsandConditions,ourRatesandChargesInformation,anyapplicationform(s)youfillinwhenyouapplyforyourAccount,andanyspecialconditionsthatwetellyouaboutwhenwesupplyyouwithanewservice.TheseGeneralTermsandConditionsapplytoalldepositaccountsandservicesweoffertopersonalclients.TheAccountSpecificTermsandConditionsareadditionaltermsandconditionsthatapplytothevariousaccountsthatweoffer.TheAccountSpecificTermsandConditionswillapplytoyoudependingontheparticularAccount(s)youholdwithus.

1.2 YoushouldretainacopyoftheseGeneralTermsandConditionsforfuturereference.Wecanprovideyouwithadditionalcopiesofanyofourtermsandconditionsifyouaskus.

1.3 IfthetermsoftheseGeneralTermsandConditionsconflictwiththetermsoftheAccountSpecificTermsandConditionstheAccountSpecificTermsandConditionswillapply.

1.4 TheseGeneralTermsandConditionswillapplyuntilallofyourAccountswithCitiareclosedandanymoneyyouowetoushasbeenrepaid.

1.5 YouwillbeissuedwithoneCardtouseinconnectionwithallyourAccounts.YouwillbeabletousethisasaCitiCardtoaccessinformationaboutyourAccounts.

1.6 YouwillbeabletouseyourCardasaCitiVisaDebitCardoraCitiATMCardonly;

(a) ifyourCardiscapableofbeingusedinthatmanner;

(b) inrelationtooneAccountatanyonetime(pleasetellusifyouwantustochangetheAccountyouwanttolinkyourCardto);and

(c) iftheAccounttowhichyouhavelinkedyourCardpermitssuchuse.

1.7 YoumaybeabletouseyourCardtomakecontactlesspaymentsifyourCardpermitssuchuse.YourUserGuidesetoutswhetherthissortofpaymentispossiblewithyourCardandthemonetarylimitsforcontactlesspaymentsusingyourCard.

1.8 InordertoopenanewAccountyoumustbeaUKresidentaged18yearsorover.

1.9 AllobligationspayablebyusunderthisAgreementarepayablesolelybyCitibankInternationalLimited.

2. If you decide to change your mind

2.1 UnlesswetellyouotherwisewhenyouopenanAccount,youcancancelyourAccountifyounotifyusinwritingwithin14daysfromthedateyourAccountisopenedorthedateyoureceivedtherelevantAccountSpecificTermsandConditionsandtheGeneralTermsandConditions(whicheverdateisthelater).YoucanwritetousatP.O.Box49930,LondonSE57XTifyouwanttocancelyourAccount.

2.2 IfyoutellusyouwanttocancelyourAccountwewillhelpyouswitchtoanotheraccountor,ifyouwouldprefer,wewillgiveyouallyourmoneybackwithanyinterestyourmoneyhasearned.IfyouhavepaidafeeforyourAccountinadvance,wewillrefundanyunusedpartofthatfee.

2.3 IfCitihasprovidedyouwithacreditfacility,bywayofanoverdraftorothertypeofcashloan,youcanwithdrawfromthisfacilitybygivingusnotice,eitherinwritingorinperson(eitherinoneofourbranchesorbyCitiPhoneBanking),within14daysfrom(thelaterof)thedayafterthedateonwhich:

(a) weenterintoanagreementwithyoutoprovideyouwiththecreditfacility;

(b) weinformyouofanyrelevantcreditlimit;or

(c) youreceiveacopyofyourcreditagreement.

Youmustreturnanysumowed,includinginterestdue,assoonaspossiblebutnolaterthan30daysafteryouwithdrewfromyourfacility.Youwillnotincuranyfees.

2.4 IfyoucancelyourAccount,andyouhaveacreditfacilitywithus,yourAccountwillnotbeclosed,andthetermsofyourAgreementwithusshallcontinuetoapply,untilallamountsdueunderyouragreementforthatfacilityhavebeenpaidtoCiti.

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3. Definitions

3.1 CertainwordshavespecificmeaningsthroughouttheseGeneralTermsandConditionsand,whereapplicable,theAccountSpecificTermsandConditions.Someofthesewordsandtheirmeaningsarelistedbelow:

“Account”meansacurrentaccountorsavingsaccount(includingaTimeDepositaccount)withCiti;

“Account Holder”meanstheclientorclientsinwhosenametheAccountisheld;

“Account Specific Terms and Conditions”meanstheparticularadditionaltermsandconditionsthatapplytoaparticularAccount;

“Applicable Law”meansthelaworregulationofanyjurisdiction,domesticorforeign,oranyagreemententeredintowithorbetweenAuthorities;

“Authority”meansanycompetentregulatory,prosecuting,taxorgovernmentalauthorityinanyjurisdiction,domesticorforeign;

“Available Balance”meansthebalanceonyourAccountwhichcanbewithdrawnbyyouincludingclearedamountsandanyavailableoverdraftfacilityagreedbyCiti.Itexcludesanyauthorisedamountsduetoretailersforgoodsorservices;

“Banking Day”meansadayotherthanaSaturday,aSundayorabankholidayinEnglandandWales;

“Bank Giro Credit Slip”meansapaying-inslipfoundatthebackofyourchequebookorpaying-inbookthatyouusetomakeacashdepositforyourAccount;

“Card”meanstheplasticcardCitigivesyoutouseinconnectionwithyourAccounts(detailsofhowyoucanusethiscardaresetoutintheUserGuideandonourwebsite);

“Citi ATM Card”meansaCardthatenablesyoutoaccessandserviceyourAccountandcanbeusedtowithdrawfundsfromanAutomatedTellerMachine(ATM);

“Citi Card”meansaCardthatenablesyoutoaccessandserviceyourAccount;

“Citi Online”meansCiti’sonlinebankingservice;

“Citi Online User ID and Password”meansthePaymentInstrumentsrequiredforCitiOnline;

“CitiPhone Banking”meansCiti’stelephonebankingservice;

“Citi Visa Debit Card”meansaCardthatenablesyoutoaccessandserviceyourAccount,withdrawfundsfromanATMandcanalsobeusedtoauthorisepaymentsforgoodsorservicestobedebitedfromyourcurrentaccount;

“EEA”meanstheEuropeanEconomicArea;

“EEA Currency”meansthecurrencyofanycountrythatisamemberoftheEuropeanEconomicArea;

“Group Companies”meansCitigroupInc.anditsgroupofcompanies,includingCitibankInternationalLimited.;

“Joint Account”meansanAccountheldinthenamesoftwoormoreAccountHolders;

“Joint Account Holders”meanstheAccountHoldersinwhosenamesaJointAccountisheld;

“Payment Instrument”meanssomethingthatisuniquetoyouandwhichyoucanusetomaketransactionsonyourAccountandtogiveusinstructions.ThisincludesaCardorotherphysicaldevice,asetofprocedures(suchasaPIN,password,securitykeyorbiometricdata)oracombinationoftwoormoreofthese(suchasaCardusedwithaPIN);

“PIN”meansapersonalidentificationnumber;

“Power of Attorney”meanstheauthorityyougranttosomeone(knownasyour“attorney”)tooperateyourAccountasifheorshewereyou;

“Rates and Charges Information”meansaleaflet,availableuponrequest,whichsetsouttheinterestratesandchargesapplicablefromtimetotimetoCitiaccountsasfurtherdescribedinCondition16.7;

“Security Details”meanstheinformationthatweholdthatallowsustoidentifyyou;

“User Guide”meanstheinformationweprovidetoyouaspartofyourwelcomedocumentationuponopeningyourAccountthatexplains,amongstotherthings,howtouseanyPaymentInstrumentsweprovideyouwithandwhichyoumustfollowwhenusingyourAccount;

“US person”means:

(a) aUScitizen;

(b) someonewhoholdsacurrentvalidgreencard;or

(c) a“resident alien”(toseethefulldefinitionof“residentalien”pleasegototheInternalRevenueService(IRS)websitehttp://www.irs.gov/taxtopics/tc851.html);and

“Withholding Tax”meansanamountfororonaccountof,orwhichrepresents,incometax,valueaddedtax,taxonthesaleordispositionofanyproperty,duties,oranyotherlawfullycollectedamount.

SomeothertermsthatweuseinthisAgreementareexplainedwhereweusethem.

3.2 IfyouhaveaJointAccount,“you”mayrefertoeitherorbothofyouunlessweexpresslysayotherwise.

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4. Your contact details

4.1 TheaddressgivenonyourAccountapplicationformmustbeyourmainresidenceandwillbetheregisteredaddressfortheAccount.ForJointAccountswherethemainresidenceforeachAccountHolderdiffers,CitiwilltreattheaddressoftheJointAccountHoldernamedfirstonstatementsastheregisteredaddressfortheAccount.

4.2 CitimaysendyouanynoticeorothercommunicationeithertothelastregisteredaddressCitihasinconnectionwithyourAccount,byasecureelectronicmessageifyouuseCitiOnlineortoafaxnumberoremailaddressyouhaveregisteredwithus.WemayalsocontactyoubytelephoneorbyelectronicmeanssuchasSMS.

4.3 IfyouoranyJointAccountHolderchangename,address,telephonenumberorothercontactdetailsrelatingtoyouorifyouknowanydetailsweholdaboutyouareincorrectyoumustinformus.Wemayrequestproofofsuchchanges.Ifyoudonottelluspromptlyaboutanychangetoyourcontactdetails,thesecurityofyourinformationmaybeatriskandyoumaynotreceiveimportantinformationfromus,includingnoticesaboutchangestothisAgreement.

4.4 Changesofaddresstonon-UKornon-residentialUKaddresses,exceptBritishForcesPostOfficeaddresses,mayresultinterminationofthisAgreementandclosureofyourAccounts.

5. Your instructions to us

5.1 Wemayacceptinstructionsfromyouoranyperson(s)appointedtoactonyourbehalf.

5.2 Yourinstructionsmustbeclearandaccurate.Iftheyarenot,wewillnotbeliableifyourinstructionsarerejectedorperformedincorrectlyexceptassetoutinthisAgreement.

5.3 Beforeweactonaninstruction,wewillcarryoutchecksdesignedtoensurethatwebelievetheinstructionhascomefromyouandisclear.Wewilltreataninstructionasbeingmadebyyouif:

(a) itisinwritingandhasasignaturethatwereasonablybelievetobeyours;

(b) actingreasonably,wearesatisfiedthatyouarewhoyousayyouare(forexamplebyverifyingSecurityDetailsorbyprovidingadditionalidentificationdocuments);or

(c) ithasbeenmadeusingaPaymentInstrumentthatwehavegivenyouoragreedwithyou.

5.4 WemayactonyourinstructionsevenwherecarryingouttheseinstructionscreatesorincreasesadebtonyourAccount.

5.5 Wemayrefusetoactonyourinstructions(includingthoseinrespectofwithdrawals,payments,transfers,andreceipts)if:

(a) wereasonablysuspectfraudulentorothercriminalactivity;orwereasonablybelievethatbycarryingouttheinstructionwe(oranyofourGroupCompaniesorourortheirthirdpartyserviceproviders)mightbreakanApplicableLaworanothercode,orotherdutythatappliestousorthem;

(b) itisinrelationtoservicesnotofferedbyyourparticularAccount;ortherequirementsinConditions5.2and5.3abovehavenotbeenmet;

(c) Condition6.3applies;or

(d) youaskustomakeapaymenttoanaccountthatdoesnotacceptpaymentsusingthepaymentsystemsweuseforsuchtransactions(forexamplewecanrefusetomakeapaymenttoanaccountintheUKthatdoesnotacceptpaymentsthroughtheFasterPaymentsServiceorthroughCHAPS).

5.6 UnlesswearenotpermittedtodosobyanApplicableLaw,wewillnotifyyouassoonaspossibletotellyouthatwewillnotcarryoutaninstructionunderCondition5.5(wemaydothisthrougharetailerorviaanautomaticmessage,forexampleonanATMscreen).Whereyourinstructioninvolvesmakingapayment,wewilldothisattheearliestopportunityandinanyeventnolaterthantheendoftheBankingDayafterwehavereceivedyourinstruction.Wherereasonablypracticable,wewillalsotellyouwhywewillnotprocesstheinstructionand/orwhatyoucandotocorrectanyerrorsthatcausedtherefusal.Youcanalsocontactustofindoutwhyaninstructionhasbeenrefused.

5.7 WewillnotbeliabletoyouforanylossordamagesufferedbyyouresultinginanywayfromarefusaltoactoninstructionsunderCondition5.5.

5.8 Youareresponsibleforcancellinganyinstructionsandareresponsibleforexecutedtransactionsresultingfromanysuchinstructionwhichyoufailtocancelinsufficienttime.

5.9 Anyinstructionsyougiveustomakeapaymentwillnormallybeprocessedonthedaywereceivethemunlessyouaskustoprocessthemonafuturedate,thentheywillbeprocessedonthatdate(oronthenextBankingDayifthedateyouspecifyisnotaBankingDay).Anyinstructionsyougiveusafterthecut-offtimeonaparticularBankingDaywillbe“received”byusonthenextBankingDay.Differentcut-offtimesapplytodifferentmethodsofgivingusinstructions.Wewilltellyouwhatthecut-offtimesarefortelephoneandelectronicinstructionsinyourUserGuideandinourRatesandChargesInformation.Youcanaskeachbranchforthecut-offtimethatappliestothatbranch.Ifweprovideadditionalserviceswhichallowinstructionstobegivenbyothermeans(suchasfax)wewilltellyoutherelevantcut-offtimesforthoseinstructions.

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6. Joint Accounts

6.1 YoushouldonlyopenaJointAccountifyouandtheotherJointAccountHolder(s)understandthecommitmentsyouareenteringinto.EachJointAccountHolderwillbejointlyandseverallyliabletorepayanyamountsowingtoCitiinrespectoftheAccount.ThismeansthateachJointAccountHolderisseparatelyresponsible,andtogetheryouarejointlyresponsible,forallandanyamountsowingontheJointAccount.ThisisthecaseevenifonlyoneofyouhasputmoneyintotheAccountorifonlyoneofyouhastakenmoneyoutoftheAccount.EachJointAccountHoldercanwithdrawallthefundswithoutreferencetotheother.

6.2 EachJointAccountHolderisallowedtooperatetheJointAccountandtoopenanewJointAccountinthesamenamesontheirown.

6.3 WemaysuspendorwithholdpaymentsorblockaJointAccountorinsistthatallinstructionsareapprovedbyalltheJointAccountHolderswhereverthereisorreasonablyappearstoustobeaconflictbetweeninstructionsfromJointAccountHoldersuntilsuchtimeaswearesatisfied,actingreasonably,thatsuchconflicthasbeenresolved.WhileanAccountisblockeditmeansthatanypayments,transfersorwithdrawalswillbesuspended.

6.4 ThecreditbalanceontheJointAccountbelongstotheJointAccountHolders.IfaJointAccountHolderdies,thebalancewillpassautomaticallytothesurvivingJointAccountHolder(s)andtheAccountcancontinuetobeoperatedbythesurvivingJointAccountHolder(s).

6.5 IntheeventnoticeisreceivedtocloseaJointAccount,wemaycontactallJointAccountHoldersconfirmingtheinstructionstoclosetheJointAccountbeforeclosingtheAccount.

7. Power of Attorney

7.1 WhereyougrantsomeonePowerofAttorneyoveranyofyourAccountsyoumustprovideuswithcertaininformationbycompletinga“PowerofAttorneyForm”toenableustograntthemaccesstoyourAccount.Afterreceivingthecompletedformtogetherwithallrequireddocuments,wewillsetupaPowerofAttorneyonyourAccountwithin10BankingDays.

7.2 YoumustonlygrantPowerofAttorneytooneperson.WeareunabletoactoninstructionsgivenunderaPowerofAttorneywherethepowerisgrantedtomorethanoneattorneyonasingleAccount.

7.3 OncewehavesetupthePowerofAttorney,wewillwritetobothyouandyourattorneyandalsosendyourattorneyaCitiCardforthemtouseinrelationtoyourAccount.Yourattorneymaytheninstructus:

(a) inwriting;

(b) byCitiPhoneBanking;and

(c) usingCitiOnline.

7.4 ItmaybepossibletousetheCitiCardprovidedtomakeATMtransactionsiftheCardiscapableofbeingusedinthatmanner.DetailswillbeprovidedintheUserGuideprovidedtotheattorney.

7.5 WewillnotprovidetheattorneywithachequebookorBankGiroCreditSlipshoweveranattorneywillbeabletousethoseoftheAccountHolder.

8. Dormant and Lost Accounts

8.1 IftherehavebeennotransactionsonyourAccountorAccountsotherthantransactionsinitiatedbyus,andwehavenotheardfromyou,foraperiodof360days,wewillwritetoyouatyourregisteredaddress.IfyourespondindicatingyouwishyourAccountorAccountstoremainopen,wewillcontinuetotreatyourAccountorAccountsasopen.

8.2 Ifwereceivenoreplytotheenquiryafteraperiodof90days,orhavinghadpreviouscorrespondencereturnedasundeliveredatyourlastknownregisteredaddress,wewillclassifyyourAccountorAccountsasdormantandwillblockalldepositsandwithdrawalsand,inordertoprotectyourprivacy,willstopsendingyouinformationrelatingtoyouraccount.

8.3 IfwehaveclassifiedyourAccountorAccountsasdormant,anyfundsremainingintheAccountorAccountswillalwaysremainyourproperty(orifyoudieitwillformpartofyourestateunlesstheAccount(orAccounts)isaJointAccount,inwhichcaseitwillpasstothesurvivingAccountHolder(s)).InterestwillcontinuetobepaidwhereitappliestoyourAccount.YoucancontactusatanytimeinrelationtoanyfundsinadormantAccountyoubelievetobeyoursandwewillreinstateyourAccountorAccounts(subjecttoconfirmingyouridentityandentitlementtothefunds).

8.4 Ifyouaretryingtotracealostaccount,youwillneedtoobtainalostaccountschemeleafletandclaimformfromwww.bba.org.ukorwritetoBBALostAccountScheme,PinnersHall,105-108OldBroadStreet,LondonEC2N1EX.Alternatively,searchescanbemadeonlineviawww.mylostaccount.org.uk.

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9. Paying money into your Account

9.1 YoumaypayintoyourAccountcashandallotherpaymentsdirectlypayabletoyou.YoucannotmakeanydepositstoyourAccountataCitibranchoutsidetheUK.

9.2 Youmustnotsendcashthroughthepost.Allchequesandotherpaymentssentthroughthepostmustbecrossedandmarked“AccountPayee”andmustbemadepayabletoyou.

9.3 Wemay,actingreasonably,acceptachequeorotherpaymentpayabletoathirdpartyprovided:

(a)itisdrawninamanneracceptabletous,hasbeenendorsedbyallnecessaryparties,andisnotpayabletoabusinessorlimitedcompany;

(b)“AccountPayee”or“NonTransferable”doesnotappearonit;

(c) itisnotdrawninfavourofthepayee“only”;and

(d)youtellusinwritingthecircumstancesinwhichitwasendorsedandgiveusanyotherrequestedinformation.

9.4 PaymentsmadeintoyourAccountwillbeaddedtoyourbalanceasfollows:

(a) Cash

(i) IfyoudepositcashinSterling;Euros;Australian,Canadian,Singapore,HongKong,NewZealandorUSDollars;Danish,NorwegianorSwedishKroner;JapaneseYen;SouthAfricanRand;orSwissFrancsoverthecounterataUKbranchofCitiduringaBankingDay,yourAccountwillimmediatelybecreditedbytheamountofcashlodged.IfyoudepositcashoverthecounterinacurrencyotherthaninthecurrencyofyourAccountitwillconvertedbyusintothecurrencyoftheAccountinaccordancewithCondition20.5.

(ii) IfyoudepositcashinSterling;Euros;Australian,Canadian,Singapore,HongKong,NewZealandorUSDollars;Danish,NorwegianorSwedishKroner;JapaneseYen;SouthAfricanRand;orSwissFrancsonaBankingDaybefore3:30pmataCitiATMintheUK,themoneywillbeprocessedandcreditedtoyourAccountonthesameBankingDay.IfdepositedataCitiATMintheUKonaBankingDayafter3:30pmoronadaywhichisnotaBankingDay,themoneywillbeprocessedandcreditedtoyourAccountonthenextBankingDay.

(iii) IfyouvisitanyLloydsbranchanduseoneofyourBankGiroCreditSlipstomakeaSterlingcashdepositforyourAccount,LloydswillhavetoforwardthefundstousanditwilltaketwoBankingDaysforustoreceivethefunds.ThefundswillbecreditedtoyourAccountassoonaswereceivethem.

(iv) Cashdepositsareavailableforyoutouse,andwestartpayinginterestonthem(ifinterestispayable),assoonastheyarecreditedtoyourAccount.

(b) Cheques

(i) IfachequeisinSterling,drawnonaUKclearingbankorUKbranchofCitiandthechequeisdepositedbefore3:30pmoverthecounterataUKbranchofCitiorviaaCitiATMintheUK:

(1) youwillstarttoreceiveinterest(ifinterestispayable)onthemoneyonthesameBankingDay;

(2) thefundsareavailableforyoutouseafterfourwholeBankingDaysafterdeposit;and

(3) (subjecttoCondition9.4(b)(vi))thefundsareclearedandcannotbereclaimedbyusfromtheseventhBankingDayafterdeposit.

(ii) ForSterlingchequesreceivedafter3:30pmanextradaywillbeaddedtoeachtimeperiodinthetimescaleinCondition9.4(b)(i)(1)to(3)inclusive.

(iii) ForSterlingchequessenttousbypost,thetimescalesunderCondition9.4(b)(i)abovewillapplyfromtheBankingDaythatwereceiveyourcheque.

(iv) YoucanvisitanyLloydsbranchanduseoneofyourBankGiroCreditSlipstomakeaSterlingchequedepositintoyourAccount.SterlingchequesdepositedatLloydsbrancheswillstarttoearninteresttwoBankingDaysafterdeposit.FundswillbeavailableforwithdrawalafterfourwholeBankingDaysafterdepositand(subjecttoCondition9.4(b)(vi))willbeclearedandcannotbereclaimedbyusfromtheseventhBankingDayafterdeposit.

(v) IfatanytimebeforethefundsclearachequewhichispaidintotheAccountisreturnedunpaidbytheissuingbank,theamountwillbedeductedfromyourAccount,evenifthiscausesyoutogooverdrawn(orfurtheroverdrawn).

(vi) IfatanytimeachequewhichispaidintoyourAccountisreturnedunpaidforreasonsrelatedtofraud,theamountofthechequewillbedeductedfromyourAccount,evenifthiscausesyoutogooverdrawn(orfurtheroverdrawn).

(vii) ForforeigncurrencychequestheclearancetimewillbelongerthanforSterlingcheques.Wewillgiveyoudetailsofclearancetimesforforeigncurrencychequesonrequest.

(viii) Wemay,withoutpriornotice,reverseamountscreditedtotheAccountwherechequesorothernegotiableinstrumentspreviouslycreditedtotheAccountarereturnedunpaidbeforethefundsareclearedinaccordancewithCondition9.4(b)(i)evenifthiscausesyoutogooverdrawn(orfurtheroverdrawn).

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(c) Other payments

DepositsmadeintotheAccountfrom:standingorders,transfersthroughCitiATMsandexternaltransfersorthroughCitiPhoneBankingwillbeaddedtoyourAccountwhenwereceiveclearedfunds.ThefundsareavailableforyoutouseassoonasweaddthemtoyourAccountandwepayinterestonthem(ifinterestispayable)fromtheBankingDayonwhichtheyarecreditedtoyourAccount.

10. Payments out of your Account

10.1 IfyouhavesufficientAvailableBalanceinyourAccount,youmaymakepayments(includingcashwithdrawals,fundtransfersandDirectDebitsorotherregularpayments)fromyourAccount.PaymentsoutofyourAccountaresubjecttodailylimitsandtotheAccountSpecificTermsandConditions.Ifyouaskustomakeapaymenttoanotheraccountyoumustgiveusanyinformationweaskforthatweneedinordertoidentifytherecipient.Thatinformationcouldincludetheaccountnumberandsortcodefortheaccount(forpaymentsintheUK)andtheInternationalBankAccountNumber(IBAN).Itisimportantthattheinformationyougiveusisaccurate.Ifyouprovideuswiththewrongdetailswemaynotbeabletoprocessyourpaymentinstruction.Wewillnotbeliableforanylossordelaythiscauses.

10.2 WemayapplyfinancialandotherlimitstopaymentsmadeusingaPaymentInstrument.WewilltellyouwhattheselimitsareandmaychangethembygivingyounoticeinaccordancewithCondition29,unlesswereasonablysuspectfraudulentorothercriminalactivity,inwhichcasewecanchangeourlimitsatanypointwithoutpriornotification.

10.3 IfyoumakewithdrawalsorpaymentsfromyourAccountusingaCitiCard,wewilldeducttheamountfromyourAvailableBalancewhenwereceiveyourwithdrawalorpaymentinstruction.Itmay,however,takeuptothreeBankingDaysfortheamounttobedeductedfromyourAccount.ForwithdrawalsmadeoutsidetheUKthismaytakelonger.

10.4 IfyouaskustomakeapaymentinSterling(apartfromcertainregularpaymentssuchasDirectDebits)toapersonwithanaccountatabankintheUKwewilluse:

(a) theFasterPaymentsServiceifthepaymentisfor£100,000orless;or

(b) CHAPSifthepaymentisformorethan£100,000.

10.5 WhenyoumakepaymentsinanEEACurrencytoanotherpersonintheEEA,wewillmakesurethatthepaymentreachesthatotherperson’sbanknolaterthan:

(a) oneBankingDayafterwereceivedtheinstructionprovidedthepaymentis(i)inSterlingorEurosandtoanaccountwithabankintheUK;or(ii)inEurostoabankinanothercountrywithintheEEA;and

(b) fourBankingDaysafterwereceivedtheinstructioninallothercases.

Ifthepaymentorderunder(a)isgiventousonpaper,thetransfermaytakeanextraBankingDay.

10.6 IfyoumakepaymentstoanaccountatabankthatisnotintheEEAorinacurrencythatisnotanEEACurrency,wewilltellyouwhentheotherbankshouldreceivethefunds.Thisdoesnotmeanthatthefundswillbecreditedtotheotherperson’saccountonthatdayasthiswilldependonthebankconcerned.

10.7 Weassumenoresponsibilityorliabilityforthevaluegiventofundsbyarecipient’sbankprovidedthatwedebitedthecorrectAccountandexecutedthepaymentcorrectly.

10.8 Youmustnotdrawagainst,andwewillnotbeobligedtomakepaymentagainst,apaymentwhichhasnotbeencleared.Specialrulesapplytousingfundspaidinbycheque(seeCondition9).

10.9 Wemay,atourdiscretion,requestyoutoundertakeadditionalsecurityprocedureswhenyoutrytomakeapaymentorwithdrawaliftheamountexceedsanylimitthatwesetforsecuritypurposes.

10.10 Wemay,atourdiscretion,askyoutoattendaspecificbranchofCitiifyouwishtomakealargecashwithdrawal.

10.11 Youmaywithdrawcashoverthecounteratotherbanks;theymaychargeyouforsuchaservice.

11. Changing or cancelling payment instructions

11.1 Thepositionforchangingorcancellingpaymentinstructionsisasfollows:

(a) Immediatepayments:wecannotchangeorcancelapaymentinstructiongiventhroughCitiPhoneBankingorelectronicallybecausewestartprocessingitwhenwereceiveit.WecannotcancelapaymentmadeusingaCitiCardonceyouhavegivenyourconsenttomakethepaymenttoathirdparty.Thiscanonlybedonewiththeconsentofthethirdparty.

(b) Futurepayments(includingpaymentsbystandingorderandDirectDebit):youcaninstructustocanceltheseonorbeforethelastBankingDaybeforethedateonwhichthepaymentwasduetobemade.WhereyouhaveinstructedustomakefuturepaymentsusingyourCitiVisaDebitCardyoushouldcontactthethirdpartytowhomyougaveyourCitiVisaDebitCarddetailstoletthemknowthatyouhavecancelledthepayment.

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12. Refunds

Incertaincasesyoumaybeentitledtoaskusforarefundwhereatransactionhasnotbeencorrectlyexecuted.Thesearesetoutbelow:

12.1 Refunds for certain EEA payments

(a) IfyouaskustomakeapaymentinanEEACurrencytoanaccountatanotherbankintheEEAandthatbanksaysitdidnotreceivethepayment,wewillrefundtheamountofthepaymentandreturnyourAccounttothepositionitwouldhavebeeninifthepaymenthadnotbeenmade,exceptinthefollowingcases:

(i) therewasamistakeinanyofthedetailscontainedintheinstructionyougaveusthatareneededtoidentifytherecipient.Ifthisisthecase,wewillmakereasonableeffortstorecoverthefunds,andwillchargeyouareasonableamounttocoverourcostsindoingso.Wewilltellyoutheamountoftheadditionalchargebeforewetaketheaction;or

(ii) wecanshowthatthepaymentwasreceivedbytheotherperson’sbank.Inthiscase,thatbankisrequiredbylawtomakethepaymentimmediatelytothatperson.

(b) Wherethepaymentwasinitiatedbyathirdparty(forexampleifyouhavegivenyourCitiVisaDebitCarddetailstoathirdpartyintheEEAinordertomakeapayment),youcanaskustorefundapaymentifthefollowingconditionsaresatisfied:

(i) theauthorisationyougavedidnotspecifytheexactamounttobepaid;

(ii) theamountthathasbeenrequestedwasmorethanyoucouldreasonablyhaveexpectedtopay,basedonthecircumstances,includingyourpreviousspendingpatterns;and

(iii) youmaketherefundrequestwithineightweeksofthedatewhenthepaymentwasmadefromyourAccount.

(c) IfyouaskustomakearefundunderCondition12.1(b)wemayaskyoutoprovideuswithadditionalinformationifthatinformationisreasonablynecessarytodeterminewhetheryouareentitledtoarefund.Youmayalsofindithelpfultocontactthepersontowhomthepaymentwasmade.Wewilleitherrefundyouthepaymentwithin10BankingDaysofreceivingyourrequest,orofreceivinganyfurtherinformationwehaverequested,orwewillinformyouofourreasonsforrefusingtherefund.

12.2 Other refunds

(a) IfyouhavesetupDirectDebitsonyourAccount,youmaybeabletoclaimrefundsundertheDirectDebitGuarantee(setoutontheDirectDebitform).

(b) IfyouaskustomakeapaymentinacurrencythatisnotanEEACurrencyorapaymenttoanaccountatabankoutsidetheEEAandthepaymentisnotreceivedbythatbankbecauseofanerrorbyus,wewillrefundtheamountofthepaymentandreturnyourAccounttothepositionitwouldhavebeeninifthepaymenthadnotbeenmade.

12.3 General conditions for refunds

(a) Youmustnotifyusassoonasyouareawarethatatransactionmayhavebeenincorrectlyexecuted.

(b) Youmustprovideuswithanyinformationaboutthetransactionthatwereasonablyrequest,sothatwecaninvestigateandifnecessarytracethefunds.

13. Cheques

13.1 WewilltellyouifyoucanusechequestomakepaymentsfromyourAccount.

13.2 YoumustwriteyourchequesinthecurrencyoftheAccountusingoneofthechequeformswehavesuppliedtoyou.

13.3 Youmustwrite,dateandsignchequesinink.YoumustnotwriteachequeformorethanyourAvailableBalance.Youmustinitialallamendments.

13.4 Wemayrefusetopaychequeswherethechequedateismorethansixmonthspriortothedatethechequeispresentedforpayment,orwherethechequeisdatedwithadateinthefuture.

13.5 Youmustnotwriteafuturedateonacheque.Ifyoudo,andthechequeispresentedforpaymentbeforethatdate,itmaybepaidimmediatelyorreturnedunpaid.Ineithercase,wewillnotbeliabletoyou.

13.6 Ifyouwantustostopachequeyoumustimmediatelyrequestustodoso.

13.7 Weshalluseallreasonableendeavourstostopachequebutwillnotbeliabletoyouinanycircumstancesforanyfailuretostopachequeorotherpaymentfollowingyourrequest,unlessweareresponsibleforsuchfailure.

13.8 Thechequebookremainsourpropertyatalltimesandwemayatanytimewithdrawthechequebookfacilitywith30days’noticeundernormalcircumstances.Intheeventoffraud,othercrimesormisuse,thefacilitymaybewithdrawnimmediately.

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14. Standing Orders/Direct Debits

TheuseofDirectDebitsorstandingordersinconnectionwithanAccountispermittedunlesstheAccountSpecificTermsandConditionsstateotherwise.YoumustallowusfiveBankingDaysfromthedatewereceiveyourinstructionstosetupanewDirectDebitorstandingorderfromyourAccount.

15. Overdrafts

15.1 Anoverdraftmaybeavailableonrequestandwillbegrantedonlyifyousatisfyourcriteria.YouareresponsibleforcontactingusinadvancetoarrangeanoverdraftfacilityifyoubelievethatyourAccountislikelytobecomeoverdrawn.Individualtermsmaythenbeagreedbetweenusastothearrangedoverdraftlimitandduration.Anoverdraftagreedinadvanceisknownasanarrangedoverdraft.

15.2 Ifyoudonotcontactusinadvancebeforebecomingoverdrawn,orexceedingyourarrangedoverdraftlimit,wehavetheoptionofeitherrefusingtomakethepaymentorestablishinganunarrangedtemporaryoverdraft.Anunarrangedoverdraftwillusuallyincurhigherchargesanddebitinterestratesthananarrangedoverdraft.

15.3 Alloverdrafts(whetherarrangedorunarranged)arerepayableondemand.

15.4 Unlesswehaveagreedotherwise,afeemaybeapplicableandinterestwillbechargedattheapplicablearrangedorunarrangedoverdraftrateontheoverdrawnbalanceontheAccountandchargedmonthly.Wewillgiveyouatleast14days’noticeofhowmuchinterestwewillchargeyou.

15.5 Wemay,atanytime,withdrawyourrighttooverdrawtheAccountand/orrequireyoutorepayorreducetheamountofyouroverdraft.

15.6 FulldetailsofcurrentchargesandinterestratesaresetoutintheRatesandChargesInformation.

16. Fees and Charges

16.1 Wemaycharge,andyouwillbeliabletopay,anyfeesandchargesduefromtimetotimeasaresultoftheadministrationofyourAccount.ThesewillbedeductedfromthebalanceonyourAccount.AnyunpaidfeesorchargeswillbeadebtduefromyoutoCiti.

16.2 Detailsofourfeesandchargesfortheday-to-dayrunningofyourAccountwillbegivenatthetimeyouopenanAccount.Furthercopiesareavailableonrequest.

16.3 WemaydebityourAccountwithanyinterest,fees,chargesorothercosts,evenifthiscausesyoutogooverdrawn(orfurtheroverdrawn).

16.4 Wewilltellyouthefeesandchargesforanyotherserviceorproductbeforeweprovideyouwiththatserviceorproduct,andwhenyouask.

16.5 AnychangestofeesandchargeswillbenotifiedtoyouinaccordancewiththisAgreement.

16.6 Wemayreceiveremunerationandcommissionfrom,orsharechargeswith,otherGroupCompaniesorthirdpartiesinconnectionwithtransactionscarriedoutonyourbehalf.Detailsofsuchremunerationorsharingarrangementswillbemadeavailabletoyouonrequest.

16.7 LevelsoffeesandchargesareshownintheRatesandChargesInformation.Thisprovidesthefollowinginformation:

(a) currentaccountcharges;

(b) chargesforstandardaccountservices;

(c) arrangedoverdraftdebitinterestrates;

(d) arrangedoverdraftcharges;

(e) unarrangedoverdraftdebitinterestrates;

(f) unarrangedoverdraftcharges;and

(g) chargesforotherservicessuchascertainfundstransfersandtransactionsinvolvingforeigncurrency.

17. Statements

17.1 WewillmakeinformationaboutallamountsaddedtoortakenfromyourAccount(includingdetailsofanyinterestpayable,anychargesmadeandexchangeratesused)availabletoyouthroughCitiPhoneBankingand/orCitiOnline.Wemayalsoprovideormakeavailabletoyouregularstatements.Anysuchinformationweprovideyouwithorallywillalsobeavailableinwritingifyouaskus.AlternativelythisinformationcanbeprovidedinBraille,largeprintoraudiouponrequest.YoucanfindoutwhichdaywewillsendormakeyourstatementavailabletoyoubyaskinginoneofourbranchesorcallingCitiPhoneBanking.

17.2 Youmustcarefullycheckalltransactioninformationandinformusassoonaspossibleifyoufindthatanyitemseemstobeinanywayincorrect.

17.3 IftheAccountisaJointAccount,wewillsendormakeavailablestatementstothefirst-namedJointAccountHolderonlyunlessthereisalegalreasonwehavetowritetoallAccountHolders.Forexample,wearerequiredtosendstatementsrelatingtoanoverdrafttoallAccountHoldersunlessyouhaveauthorisedusnottointheapplicationform.

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17.4 Ifyouaskustoprovidecopystatementsatanytime,wewillchargeforthisinaccordancewithourRatesandChargesInformation.

18. Interest on credit balances

18.1 WhenyouopenanAccount,wewillgiveyouinformationontheinterestrateswhichapplytoyourAccount.YoucanfindoutaboutourcurrentinterestratesatanytimebycheckingourlatestRatesandChargesInformation,checkingourwebsite,askinginbranchorcallingCitiPhoneBanking.

18.2 UnlesswetellyouotherwiseinyourAccountSpecificTermsandConditions:

(a) interestwillbecalculateddailyontheclearedcreditbalance;

(b) interestonanyclearedcreditbalanceisappliedtotheAccountinarrears,andcompounded,monthlyonthedaywesendormakeavailableyourstatementtoyou(or,wherethisdoesnotfallonaBankingDay,thenextBankingDay)(the“interest payment date”).

18.3 UnlessyourAccountisaTimeDepositaccount,aFixedRateBondoraRewardSaveraccount(inSterlingoraforeigncurrency),youcanchangeyourinterestpaymentdatebygivingusnoticeduringthecalendarmonthbeforethefirstmonthforwhichyouwouldlikeyournewinterestpaymentdatetochange,eitherinoneofourbranchesorbyusingCitiPhoneBanking.Forexample,ifyourinterestpaymentdateisthe15thdayofthemonth,andyouwantedtochangeittothe2nddayofthemonthandthefirstmonthinwhichyouwantedthechangetotakeeffectwasJune,youwouldneedtoinstructustochangeyourinterestpaymentdatebytheendofMay.

19. Tax

19.1 UnlessCondition19.5applies,interestpaymentsarecalculatedgrossandpaidnetofbasicrateincometax.InterestmaybepaidgrossifyouarenotordinarilyresidentintheUKandyousatisfactorilycompletethedocumentationrequiredbyrelevanttaxAuthorities.

19.2 InthecaseofJointAccounts,interestmaybepaidnetforoneAccountHolderandgrossfortheother,subjecttoreceiptoftherequireddocumentation.

19.3 TheamountoftaxyouneedtopayunderUKlawwilldependonyourindividualfinancialcircumstancesandmaychangeinfuture.IfyouhaveanyquestionsaboutyourtaxpositionasaresultofopeninganAccount,youshouldcontactyourindependenttaxadviserbeforeopeningtheAccount.

19.4 WhererequiredbyApplicableLaw,informationregardingyourAccountmaybereportedtotaxAuthoritiesintheUKorotherjurisdictions.

19.5 We,oranyofourGroupCompanies,orourortheirthirdpartyserviceproviders,maywithholdordeductanyWithholdingTaxfromanypaymenttoyou,ortoorfromanAccount,ifitisrequiredtobewithheldordeductedtocomplywithanyApplicableLaw.WewillpayanyWithholdingTaxtotherelevantAuthorityinatimelymanner.WewilltellyouaboutanyWithholdingTaxassoonasreasonablypracticable.Wewillnotreimburseyouforanyamountwithheldordeductedbyathirdpartythatformspartoftheglobalpaymentsysteminfrastructure.YouwillreimburseusifweoranyofourGroupCompaniesorourortheirthirdpartyserviceproviderspaysfromourortheirownfundsWithholdingTaxthatshouldhavebeen,butwasnot,withheldordeducted,plusanyinterestandpenaltiesonthatamount.WewillnotcontestanydemandmadebyanAuthorityforsuchpayment.

20. Foreign currency

20.1 IfyouuseaCitiVisaDebitCardtomakepaymentsincurrenciesotherthanthecurrencyoftheAccount:

(a) theamountofthetransactionwillbeconvertedintoSterlingusingthereferenceexchangerateidentifiedinourRatesandChargesInformation(whichisVisa’sexchangerateonthedateitprocessesthetransactionandapercentagecommissionwhichwesetontheamountofthepayment).Thisratemaynotbethesameastheratethatappliedonthedatethetransactionwasmade,ifthepaymentisprocessedbyVisaafterthatdate;and

(b) ifyourAccountisinacurrencyotherthanSterling,theSterlingamountwillthenbeconvertedbyusintothecurrencyoftheAccountusingthe“CitiUK”referenceexchangerateapplicableatthetime.YoucancontactCitiPhoneBankingforfulldetailsoftheactualratesusedtoconvertaforeigncurrencypayment(yourstatementsmaynotincludeafullbreakdownofthisinformation).

20.2 IfyouuseaCitiVisaDebitCardorCitiATMCardtomakeATMwithdrawalsoutsideoftheUK(otherthanthroughaCiti-operatedATM)incurrenciesotherthanthecurrencyoftheAccount:

(a) theamountofthetransactionwillbeconvertedintoUSDollarsusingthereferenceexchangerateidentifiedinourRatesandChargesInformation(whichisVisa’sexchangerateonthedateitprocessesthetransactionandapercentagecommissionwhichwesetontheamountofthepayment).Thisratemaynotbethesameastheratethatappliedonthedatethetransactionwasmade,ifthepaymentisprocessedbyVisaafterthatdate;and

(b) ifyourAccountisinacurrencyotherthanUSDollars,theUSDollaramountwillthenbeconvertedbyusintothecurrencyoftheAccountusingthe“CitiUK”referenceexchangerateapplicableatthetime.YoucancontactCitiPhoneBankingforfulldetailsoftheactualratesusedtoconvertaforeigncurrencypayment(yourstatementsmaynotincludeafullbreakdownofthisinformation).

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20.3 IfyouuseaCitiVisaDebitCardorCitiATMcardtomakewithdrawalsfromaCiti-operatedATMoutsideoftheUKincurrenciesotherthanthecurrencyoftheAccount,theamountofthetransactionwillbeconvertedbyusintoUSDollarsusingthe“Citishare”referenceexchangerateonthedateweprocessthetransaction.IfyourAccountisinacurrencyotherthanUSDollars,wewillthenconverttheUSDollaramountintothecurrencyoftheAccountusingour“CitiUK”referenceexchangerateapplicableatthetime.YoucancontactCitiPhoneBankingforfulldetailsoftheactualratesusedtoconvertaforeigncurrencywithdrawalthroughaCiti-operatedATM(yourstatementsmaynotincludeafullbreakdownofthisinformation).

20.4 IfyouuseaCitiVisaDebitCardorCitiATMCardtomakewithdrawalsthroughaCiti-operatedATMintheUKinacurrencyotherthanthecurrencyofyourAccount,theamountofthetransactionwillbeconvertedintoSterlingonthedatethatweprocessthetransaction.IfyourAccountisinacurrencyotherthanSterling,theSterlingamountwillthenbeconvertedbyusintothecurrencyoftheAccount.PleaserefertoourRatesandChargesInformationfordetailsofthereferenceexchangeratesthatweusefortheseconversions.

20.5 IfyoumakeorreceiveanyotherpaymentinacurrencywhichisnotthecurrencyoftheAccountandwehavenotagreedaspecificconversionratewithyou,theamountofthepaymentwillbeconvertedbyusintothecurrencyoftheAccountatthe“CitiUK”referenceexchangerateatthetimeofthetransaction.

20.6 Youmaybeofferedachoiceofpaymentcurrencieswhenmakingpurchasesorwithdrawals.Ifyoudothis,thepaymentwillbechargedtoyourAccountinyourchosencurrency(andwewillonlyreceivedetailsoftheamountinthatcurrency).TheexchangeratesinthiscasearesetbymerchantsandATMoperatorsandnotbyCiti.PleasenotethatifyourchosencurrencyisdifferentfromthecurrencyofyourAccount,wewillconvertthisamountusingwhicheveroftheprocessessetoutinConditions20.1to20.5aboveappliestoyourparticularpaymentorwithdrawal.

20.7 Youcanfindoutaboutourexchangeratesatanytime(includingtheactualratesusedtoconvertanyforeigncurrencytransaction)bycallingCitiPhoneBanking,thenumbersetoutonyourmostrecentstatement,orenquiringduringbusinesshoursatanyofourbranches.FeesandcommissionratesforforeigncurrencytransactionsaresetoutinourRatesandChargesInformation.

21. Payment Instruments

21.1 PaymentInstrumentscannotbeheldjointly.AseparatePaymentInstrumentwillbeissuedtoeachAccountHolderforJointAccounts.

21.2 WhereyouareprovidedwithaCitiVisaDebitCardinrelationtoyourAccount,youmayuseittomakepurchasesfromretailersorsuppliersofserviceswhodisplaytheVisalogo.

21.3 Wewillnotbeliableifanyretailer,supplierofservicesorcashmachinedoesnotacceptyourPaymentInstrument.

21.4 TherighttowithdrawcashissubjectnotonlytothelawsandregulationsoftheUKbutalsototheApplicableLawofthecountryinwhichthewithdrawalisrequested.

21.5 Youwillberesponsibleforanyfeeswhichanotherinstitutionmaychargeyoufortheuseoftheircashmachine.

21.6 YourPaymentInstrumentshouldnotbeusedforinternetgamblingtransactionsatanyinternetsiteregardlessoflocation.

21.7 WemaystoporsuspendtheuseofaPaymentInstrument,ifwereasonablyconsideritnecessary:

(i) toprotectthesecurityofthePaymentInstrument;or

(ii) becausewesuspectthattheremaybeunauthorisedorfraudulentuseofthePaymentInstrument;or

(iii) becausewereasonablybelievethatthereisasignificantlyincreasedriskthatyouwillbeunabletorepayyouroverdraft(ifyouhaveone).

21.8 IfwestoporsuspendtheuseofaPaymentInstrumentwehavegivenyou,suchasaCard,wemayrequireyoutoreturnittous.

21.9 UnlessApplicableLawpreventsusfromdoingso,wewillnotifyyouwhenwestoporsuspendaPaymentInstrument,andthereasonswearedoingso.Wherepossible,wewilldosobeforetakingthataction.YoucanalsocontactustofindoutwhywehavestoppedorsuspendedaPaymentInstrument.

22. Protecting your Account

22.1 YoumusttakereasonablecaretoensurethatyouandanyotherpersonwithauthorisedaccesstoyourAccountkeepallPaymentInstrumentsandchequebookssecure,andnotallowanyoneelsetousethem.

22.2 OnreceiptofaPINadviceslipyoumustmemoriseyourPINandthenimmediatelydestroyyourPINadviceslip.YoumustensurethatyourPINandotherSecurityDetailsarenotwrittendownorrecorded(forexampleonamobiletelephoneorotherelectronicdevice)inawaywhichcouldbeunderstoodorusedbysomeoneelse.Youmustfollowanysecurityproceduresweaskyoutowhenwegiveyou(oragreewithyou)aPaymentInstrument,suchassigningaCardassoonasitisreceived(ifithasasignaturestriponit).ACardmustonlybeusedbythepersonnamedonit.

22.3 YouandanyJointAccountHoldermustkeepanySecurityDetailssecretatalltimes.

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22.4 YoumustcontactusassoonaspossibleviaCitiPhoneBankingorduringbusinesshoursatanyofourbranchesafteryoufindoutorsuspectthatyourPaymentInstrumentorchequebookislostorstolenorliabletomisuseorifyoususpectthatsomeoneelseknowsyourPIN,Accountpasswordsorothersecurityinformation,orifyoubelievetherehavebeenanyunauthorisedorincorrectlyexecutedtransactionsonyourAccount.Pleasecalluson0800005500(or+442075005500ifcallingfromabroad).IfyouareaCitigoldclientcalluson0800005600(or+442075005600ifcallingfromabroad).InsuchinstancesyoumustnotcontinuetousethePaymentInstrument.

22.5 WewillcancelyourPaymentInstrumentorblockyourAccountwhenyounotifyusoftheloss,theft,misappropriationorunauthoriseduse.

22.6 WearenotresponsibleforanyclaimforunauthorisedorincorrectlyexecutedtransactionsunlessyouhavenotifiedusinaccordancewithCondition22.4.Youmustnotifyusassoonasyouareawarethatatransactionmayhavebeenunauthorisedorincorrectlyexecutedandinanyeventnolaterthan13monthsafterthetransactiondate,unlesswehavefailedtomakeavailableinformationonthetransactionasrequiredbylaw.Itisimportantthatyouregularlycheckyourtransactionhistorytoensureanyunauthorisedorincorrectlyexecutedtransactionsareidentifiedandnotifiedtousattheearliestpossibleopportunity.

22.7 Whereyoudisputeatransaction,wemayinvestigateyourclaimand,unlesswearereasonablysatisfiedthatyoudidauthorisethetransaction,wewillrefundtheamountofthepaymentandwhereapplicablerestoreyourAccounttothepositionitwouldhavebeeninhadthedisputedtransactionnottakenplace.Ifwerefundtheamountofthepaymenttoyouandfollowinganinvestigationwedeterminethatthetransactionwasauthorised,wewillreversetherefund.Wewillnotifyyoubeforewedothis.

22.8 IfyourCitiCardexpires,orisreportedaslostorstolenorsubjecttomisuse,wemay(atourdiscretion)provideyouwithanewCitiCard.

22.9 IntheeventthatyouloseyourPaymentInstrument,oritisstolenormisappropriated,youremainliableforanyuseofyourPaymentInstrumentuntilyounotifyusunderCondition22.4.Youwillonlybeliableuptoamaximumof£50(orcurrencyequivalent)fortransactionsbasedontheuseofthatPaymentInstrumentthatyoudidnotauthoriseyourself,regardlessofhowmanytransactionsthereare.However,ifyourPaymentInstrumenthasbeenusedbyapersonwhoacquiredpossessionofitwithyourconsent,oryouhavedeliberatelyorverycarelesslyfailedtokeepthepersonalisedsecurityfeaturesofyourPaymentInstrumentoryourAccountsafe,youwillremainliableforthefullamountofthesetransactionsandthe£50limitwillnotapply.

22.10Unlessyouhaveactedfraudulently,youwillnotbeliableforanytransactionsonyourPaymentInstrumentoryourAccountbasedontheunauthoriseduseofthatPaymentInstrumentinthefollowingcases:

(a) onceyouhavenotifiedusoftheloss,theft,misappropriationorunauthoriseduseofyourPaymentInstrumentorofyourAccount;or

(b) ifwehavefailedatanytimetoprovidethemeansformakingthatnotification.

22.11 Whereyouhaveactedfraudulentlyyouwillbeliableforalllossesincurred,includinganylosseswesuffer.

22.12 ExamplesofwhereyoumayhaveacteddeliberatelyorverycarelesslyfailedtokeepthepersonalisedsecurityfeaturesofyourPaymentInstrumentoryourAccountsafeinclude:(i)ifyoudonotkeepyourPINsafe;(ii)ifyoukeepyourPINwithyourCitiCard;or(iii)ifyoudonottellusquicklyonceyoubecomeawareofanyunauthoriseduseofyourCitiCard.

22.13 IfyourPaymentInstrumentorchequebookisfoundorrecoveredafteritwasreportedlostorstolenyoumustnotuseitandyoumustsecurelydestroysuchitems.

22.14 IfwesuspectthataPaymentInstrumentislost,stolenorliabletomisusethenwemaygiveinformationtothepolice.Youmustco-operatewithusandthepolicetohelprecoverthePaymentInstrumentandpreventanylosses.

23. Monitoring and recording

Toensurethatyourinstructionsarecarriedoutaccurately,tohelpcontinuallyimprovetheserviceandintheinterestsofsecurity,wemaymonitorand/orrecordtelephoneandvideoconferencecallswithyou.IntheinterestofsecuritywemayuseCCTVrecordingequipmentinandaroundourpremises.Allrecordingsareoursoleproperty.

24. Set-Off

24.1 WemayapplyanycreditbalanceonanyAccountyoumaintainwithus(whetherasasoleAccountHolderorJointAccountHolder)toreduceorrepayanymoneyyouowetousonanyotherAccountsyouholdwithusinthesamename(s)(whetherasasoleAccountHolderorJointAccountHolder).Wewillonlyeverdothisifthemoneyyouoweisimmediatelyrepayableorifweneedittopaytaxonyourbehalf.Wearenotobligedtoexercisethisrightbutwillnotifyyouatleast14daysbeforeweproposetodoso.

24.2 Wemay,atourdiscretion,makeuseofclearedfundsinanyotherAccountatanytimeheldbyyouwithustoavoidtheAvailableBalancebeingexceeded.Inthesecircumstances,wewillmakereasonableeffortstocontactyoutoinformyouofthis.However,wewillnotbeliableforanyconsequencesofnotusingclearedfundsinanotherAccount.

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25. Closing and converting your Account

25.1 Closure by us

(a) WecancloseyourAccountimmediatelybygivingyounotice(unlesswearenotpermittedtonotifyyou)if:

(i) youareinrepeatedorseriousbreachofthisAgreement;

(ii) wereasonablysuspectthatyouhavegivenusfalseinformation;

(iii) wereasonablysuspectthatyourAccountisbeingusedforanillegalpurpose;

(iv) youbehaveinanabusiveorthreateningmannertowardsourstaff;

(v) wereasonablybelieveyouhavemovedfromtheUnitedKingdom;

(vi) wereasonablydetermineyouwerenotorarenolongereligibletoholdyourAccount(forexampleifyouareusingapersonalAccountforpurposesconnectedwithabusiness);

(vii) weneedtocloseyourAccountinordertocomplywithApplicableLaw;

(viii) apetitionforbankruptcyispresentedagainstyou;or

(ix) ourAgreementwithyouiscancelledorterminated.

(b) WecancloseyourAccountatanytimebygivingyounotlessthantwomonths’personalnotice.Intheeventofsuchclosurewewillreturnanyamountweoweyouatyourregisteredaddress,afterdeductionofanyWithholdingTax,interest,chargesandfeesdueorfundsrequiredtobemadebyApplicableLaw.TheAccountwillthenbeclosedwithoutanyfurthercontactwithyou.

(c) WhereweprovideyouwithafixedinterestperiodonyourAccountandweprovideyouwithtwomonths’personalnoticethatwearegoingtocloseyouraccountunderCondition25.1(b),wewillnotcloseyourAccountuntiltheexpiryofthatfixedinterestperiod.

(d) Ifwediscontinueaproductthatyouhavewithus,wemaycloseyourAccountbygivingyoutwomonths’personalnotice.Ifwedothiswewillofferyouasuitablealternativeaccountifthereisoneand,ifyoudonotgiveusinstructionstothecontrary,wewilltransferthefundstothataccountwhenwecloseyourAccount.

25.2 Closure by you

(a) YoumaycloseyourAccountforanyreasonwithoutcharge,andwewillrepaytoyouanyexistingcreditbalancesonyourAccountatthedateofclosure,providedthat:

(i) youinformusbygivingatleasttenBankingDays’noticeinwritingthatyouwishtocloseyourAccount;

(ii) youdestroyallchequesandPaymentInstrumentsissuedtoyou;

(iii) yourepayanymoneyyouowetousincludingtheamountofanycheques,cardtransactionsorotherpaymentinstructionsyouhavemadeandanychargesorinterestincurredwhichwehavenottakenoutofyourAccount;and

(iv) theAccountSpecificTermsandConditionsofyourAccountpermityoutodoso.

(b) AfterreceivingnoticetoclosetheAccount,wewillcancelanystandingordersandDirectDebitinstructionsonyourAccount.Itisyourresponsibilitytoinformthepayees.WewillnotbeliabletoyouoranythirdpartyforanylossesarisingfromcancellinganystandingorderorDirectDebitinsuchcircumstances.

25.3 General

IfyouhavepaidafeeforyourAccountorforanypaymentserviceinadvance,wewillrefundanyunusedpartofthatfeeonterminationforanyreason.

26. Account requirements

26.1 YouacknowledgethatyouaresolelyresponsibleforobtainingappropriateindependenttaxadviceregardinganytransactionsthatyouenterintorelatingtotheAccount.NothinginthisAgreementconstitutesadvicerelatingtotax.

26.2 YoumustuseyourAccountforpersonaluseonly.

26.3 IfyouliveoutsidetheUKandwehaveagreedyoucanstillholdanAccountwithusyoushouldensurethathavinganAccountcomplieswithanyotherApplicableLaworruleswhichapplywhereyoulive,includinganytax,foreignexchangeorcapitalcontrols,andforallpayment,reportingorfilingrequirementsthatmayapplyasaresultofyourcountryofcitizenship,domicileorresidence.

26.4 Youmustprovideuswithsuchinformationaswemayreasonablyrequirefromtimetotime,andmustupdatethatinformationaswereasonablyrequirefromtimetotime,toenableusoranyofourGroupCompaniestocomplywithanyApplicableLaw.

26.5 Youmustcontactusimmediatelyoratthelatestwithin30daysifatanytimeinthefuturethereisanimportantchangetoinformationyouhavepreviouslyprovidedtous,orifyoubecomeaUSperson(thisdoesnotapplyifyouhavealreadyinformedusthatyouwereaUSpersonwhenyouopenedyourAccount).IfyoudobecomeaUSperson,youmustcompleteandreturntousassoonasreasonablypossibleanyrelevantUStaxorwaiverdocumentationthatmayapplytoyouandthatwemayrequestfromtimetotime.

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26.6 Exceptwherewehavebeennegligentorfraudulentorinwilfuldefault,weshallhavenoresponsibilitytoyouifanyinformationweholdaboutyouisorbecomesinaccurateorincomplete.

27. Online service

27.1 TheCitiOnlineService(the“Service”),allowsyoutogiveuselectronicinstructionsbyusingyourcomputerandCitiOnlineUserIDandPassword.TheactivitiesthatcanbeperformedviatheServicearesetoutintheCitiOnlineUserGuide,availableatwww.citibank.co.uk.

27.2 IfyouwanttousetheServiceyoumusthave:

(a) aCard;

(b) acomputerwithaccesstotheinternet;

(c) abrowserthatsupports128bitencryption;and

(d) amobilephonetoreceiveaone-timepasswordviaSMSasavalidationstepwhenyouusetheService.

27.3 Youwillberesponsibleforthecostsofusingthetelephoneserviceand/orthechargesmadebyanyinternetserviceprovider.

27.4 YouunderstandthatyourCitiOnlineUserIDandPasswordarePaymentInstruments.

28. Assignment

28.1 WemaytransferanyoftherightsorbenefitandyourliabilityunderthisAgreementtoanyotherperson.

28.2 Wemay,ifthetransferdoesnotaffecttheservicesweprovidetoyouinanimportantway:

(a) arrangeatanytimeforanyotherpersontocarryoutourdutiesunderthisAgreement;or

(b) ifwereasonablyconsideritnecessarytocomplywithanyApplicableLaw,totransferourdutiestoanotherGroupCompany.

Ifwedoso,wewillnotifyyouandthetransferwilltakeeffect14daysaftersuchnotificationunlessyouobjectinwritingwithinthose14days.Oncethetransferhastakeneffect,weshallnolongerhaveanyobligationstoyouregardingthisAgreement.

28.3 YoumaynottransferyourrightsorliabilitiesunderthisAgreementtoanyotherperson.

29. Making changes to this Agreement

29.1 Changes to interest rates

(a) Wewillnotchangeafixedratefortheperiodthatwehaveagreedtofixit.

(b) Wewillchangeatrackerrateautomaticallyinlinewithchangestothereferenceratethatittracks.(A“reference rate”isaratewhichisnotsetbyusandispubliclyavailablesothatyoucanfindoutwhatitisandcheckitindependently.ExamplesaretheBankofEnglandBaseRateandaratewhichisbasedonabasketofratesofferedbyotherbanksorlenders);

(c) WherewechangeatrackerrateunderthisCondition29.1,wewill:

(i) makethechangeseitherimmediatelyafterthereferenceratehaschanged,orwithinasetnumberofdays,oronaparticulardayinthemonth,forexamplethefirstBankingDayofthefollowingmonthandwewilltellyouthisandidentifythereferencerateintheAccountSpecificTermsandConditionsfortheAccount;and

(ii) whentheratechanges,makethenewrateavailableonourwebsite,inbranchesandthroughCitiPhoneBankingandCitiOnlinewithinthreeBankingDaysofthechange.

(d) Ifyouhaveaninterestratethatisnotafixedrateoratrackerrate,wemaychangethatrateasaresultofanyactualoranticipatedchangesto:

(i) anyrecommendation,ruling,requirementordecisionofanycourt,ombudsman,regulatororsimilarbody(a“regulatory requirement”);

(ii) thebaseratesetbyanyCentralBank(suchastheBankofEngland)wherethishasanimpactonthecosttousofoperatingorprovidingyourAccount;or

(iii) thecostswereasonablyincurinoperatingorprovidingyourAccount(includingfundingcostsifrelevant).

(e) WemayalsochangeaninterestrateotherthanafixedrateoratrackerrateforavalidreasonthatisnotsetoutinthisCondition29.1.

(f) Wherewemakeachangetocomplywitharegulatoryrequirement,thechangewillbetoreflectafairproportionofthecostofcomplianceonourbankingbusiness,asreasonablyestimatedbyus.Otherchangeswillrespondproportionatelytochangesinourcosts.Wewillnotchangeaninterestrateandourchargestocoverthesamecosttwice.

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(g) Changestointerestratesotherthanfixedortrackerratesmaybemadewithoutnoticeifthechangeisfavourabletoyou.WewillupdatetheinformationheldwithCitiPhoneBankingandonourwebsitewithinthreeBankingDaysofthechanges.WewillalsosendyouacopyofthenewRatesandChargesInformationortellyoupersonallybyaseparatewrittennoticewithin30days.Otherwise,wewillgiveyouatleasttwomonths’personalnoticeofchangestoaninterestrate.

29.2 Changes to exchange rates

(a) Unlesswehaveagreedafixedratewithyouforaparticulartransaction,theexchangerateusedtoconvertforeigncurrencypaymentsintooroutofyourAccountwillbethereferenceexchangeratethatwehavetoldyouwillapply(orwillbeatamarginaboveorbelowthatrateifwehavetoldyouthatisthecase).Wemayapplychangestothereferenceexchangerateimmediatelyandwithoutnotice.

(b) Ifthereferenceexchangerateusedinforeigncurrencypaymentsissetbyus,wecanchangethatreferenceexchangerateatanytime.

29.3 Changes to other terms

(a) UnlessweagreeotherwiseintheAccountSpecificTermsandConditionsforanAccount,wemaychangeanyoftheGeneralTermsandConditionsorAccountSpecificTermsandConditions,includingintroducingnewterms,foranyofthefollowingreasons:

(i) wherewereasonablyconsideritwillmakethetermsandconditionseasiertounderstandorfairertoyouorthechangewouldnotbetoyourdisadvantage;

(ii) toreflectanychangesinthecostofprovidingourservicestoyou(wherethechangemadewillreflectthechangeincoststous)(butwewillnotrecoverthesamecosttwice,forexamplebychanginganinterestrateaswell);

(iii) totakeaccountofaregulatoryrequirement;

(iv) becauseofchangestoApplicableLaw,codesofpracticeorthewayinwhichweareregulated;

(v) whereweconsideritnecessarytomakereasonablechangestothewaywelookafteryourAccountorprovideservicestoyouasaresultofchangesin:

(1) technology;

(2) thestructureoftheGroupCompanies;or

(3) theservicesthatweprovideunderthisAgreement,

andthechangewouldnotbetoyourdisadvantage.

(b) Wemaychangeourfeesandchargesorintroduceanewfeeorchargeifthereisachangein(orwereasonablyexpectthattherewillbeachangein):

(i) thecostsweincurincarryingouttheactivityforwhichthefeeorchargeisorwillbemade;or

(ii) regulatoryrequirements.

Anychangeornewfeeorchargewillbeafairproportion,asreasonablyestimatedbyus,oftheimpactoftheunderlyingchangeonthecostsweincurinourbankingbusiness.

(c) WemayalsochangeourfeesandchargesforavalidreasonwhichisnotsetoutinthisCondition29.

(d) AslongasyouareabletoendthisAgreementwithoutcharge(orweagreetowaiveanychargethatwouldotherwiseapply),wemaychangeaninterestrateonanoverdraftforanyreasonnotlistedabove.

(e) AslongasyouareabletoendthisAgreementwithoutcharge(orweagreetowaiveanychargethatwouldotherwiseapply),wemaychangeanyofourotherterms(includingtheinterestratewepayyou,theamountbywhichatrackerratediffersfromareferencerate(the“margin”),andourcharges)foranyreasonnotlistedabove,butwewillnotchangeafixedrateonanAccount(includinganyfixedbonusrateorfixedmargin)foraslongaswehaveagreedtokeepitfixed.

29.4 Notifying you of changes to this Agreement

(a) Exceptforchangestointerestratesorexchangeratesthatwecanmakewithoutnotice(seeConditions29.1and29.2),wewillgiveyoupersonalnoticeofchangesatleast2monthsinadvanceofsuchchangebeingmade.

(b) Ifwearerequiredtomakechangesthatresultfromaregulatoryrequirement,orfromchangestoApplicableLaw,codesofpracticeorthewayinwhichweareregulated,andweareunabletogiveyou2months’noticeofthechanges,wewillprovideyouwithpersonalnoticeinadvanceofthechangeasearlyaspossible.

(c) Whenwetellyouaboutachangewewilltellyouthedateitcomesintoeffect.Aslongasnoticeofachangeisgiventoyouatthemostrecentaddresswehaveforyou,youwillbetreatedasacceptingthechangeonthatdateunless,beforethen,youtellusthatyouwanttoterminateyourAgreementwithusandnotacceptthechange.WewillnotmakeanyterminationchargeifyouterminateyourAgreementinthiscase.

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29.5 Changes for specific regulatory requirements

SomeofthetermsofthisAgreementreflectourunderstandingofregulatoryrequirementsthathavenotbeenpublishedorarestillindraftformwhenthisdocumentisprinted.Ifwefindthatanytermisinconsistentwitharegulatoryrequirementwhichispublishedoramendedafterthisdocumentisprinted,wewillnotrelyonthattermbutwilltreatitasifitdidreflecttherelevantregulatoryrequirement.Ifweneedtomakeoperationalchangesbeforewecanfullycomplywiththenewregulatoryrequirement,wewillmakethosechangesassoonasreasonablypracticable.Wewillupdateourtermsandconditionstoreflectthenewregulatoryrequirementwhentheyarenextrepublished.

30. Liability

30.1 WewillnotbeliabletoyouforanyfailuretoperformourobligationsunderthisAgreementduetoanyabnormalandunforeseeableeventoutsideourcontrolwheretheconsequenceswouldhavebeenunavoidabledespitealloureffortstothecontrary.

30.2 WewillnotbeliabletoyouforanyfailuretoperformourobligationsunderthisAgreementwhereperformanceofthatobligationwouldhaveputusinbreachofApplicableLaw.

30.3 Wewillnotbeliabletoyouinanycircumstancesfor:

(a) lossofbusiness,lossofgoodwill,lossofopportunity,lossofprofit;or

(b) anylosstoyouthatwecouldnotreasonablyhaveanticipatedwhenyougaveusaninstructionunderthisAgreement.

30.4 NothinginthisAgreementwillexcludeorlimitanyliabilitywehaveasaresultofactingfraudulentlyornegligentlyoranylegaldutyorliabilitywemayhavetoyouoranyliabilitythatwearenotallowedbylawtoexclude.

31. How we use your personal information and who we share it with

31.1 Sothatwecanprovideproductsandservicesdesignedespeciallyforyou,wewillcollectandreviewalltheinformationwhich:

(a) yougivetousandtootherGroupCompanies;or

(b) whichweandotherGroupCompaniesobtainaboutyoupersonallyinconnectionwiththisAgreementandanyAccountsorproductsandservicesyoutakefromusandwhichweobtainfromthirdpartiessuchascreditreferenceagencies,fraudpreventionagenciesandGroupCompanies.Theinformationweobtainfromcreditreferenceagencieswillincludepublicinformationsuchascountycourtjudgmentsandinformationfromtheelectoralregister.

ThisisyourinformationandwewillprocessandusetheinformationassetoutinthisCondition31.

31.2 Thisinformationhelpsusdevelopandmaintainanup-to-datepictureofyouasanindividual.YouagreethatweandotherGroupCompaniescanusethisinformationtokeepyouinformedaboutotherproducts,servicesandspecialoffers(includingthosesuppliedbythirdparties)whichweortheythinkmightinterestyou.Wemaytellyouabouttheseusingarangeofmethods,includingpost,faxandelectroniccommunications,suchasthetelephone,SMS,ore-mail.Withyourconsent,wemayalsopassinformationaboutyoutoselectedthirdpartiessothattheymaycontactyouwithinformationabouttheirproductsandservices.PleasetellusifyouprefernottoreceiveinformationaboutotherproductsorservicesfromusorotherGroupCompaniesorifyoudonotwantotherthirdpartiestobegivenyourinformation.

31.3 Theinformationwecollect(usingarangeofmethodsincludingcookies–smallpiecesofinformationwhichwesendtoyourcomputer–andsimilartrackingdevices)willincludeinformationabouthowyoumanageanduseyourAccount(s),includingthetypeofpurchasesyoumakefromyourAccount(s)(whetherbyaCard,DirectDebitorinanyotherway)andpaymentswhicharemadeintoyourAccount(s).Thisinformationwillincludethenameofthepayer(forexample,youremployer)andthesupplier(forexample,ashop)andthegeneralnatureofthegoodsandservicespaidfor.WeobtainthisinformationautomaticallyaspartofoperatingyourAccount(s).IfyoudonotwantustohaveityoushouldconsideranalternativetousingyourAccount(s).

31.4 IfyouoperateyourAccountbyCitiOnline,wealsousecookiesandweblogs(informationabouthowyouuseourwebsite)toimprovethesecurityofourserviceandobtaininformation.Formoredetailsaboutcookiesandweblogs,seethesecurityandprivacypagesonourwebsite.

31.5 WewillholdandprocessyourinformationanddiscloseittootherGroupCompanies.WeandotherGroupCompanieswilluseyourinformation:

(a) forconsideringanyapplicationyoumaymaketousorthem;

(b) toverifyyouridentityandtheidentityofyourspouseorpartner;

(c) inthemanagementandoperationofyourAccountswithusorthemincludingmakingcreditassessmentsanddecisions;

(d) forcrimeandfraudprevention,anddebtrecovery(includingtracingyouifwedonothaveup-to-datedetails);

(e) forassessmentandstatisticalanalysisforourortheirbusiness;

(f) inordertocomplywithApplicableLaw;and

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(g) forthepurposessetoutinCondition31.2(GroupCompanieswillonlydothisifyouhaveagreedthattheycan).

31.6 WeandotherGroupCompaniesmaydiscloseyourinformation(includingformernamesandgenders)tocreditreferenceandfraudpreventionagenciesorregisters.Wewillmakesearchesofyourdetailswithcreditreferenceagenciesandfraudpreventionagencieswhenweconsideryourapplicationandduringyourrelationshipwithus.Creditreferencesearcheswillberecordedonyourfilewiththeagency.Ifanumberofsearcheshavebeenmadeinashortperiodoftime,thismayadverselyaffectothercreditapplicationsyoumake.

31.7 Iffalseorinaccurateinformationisprovidedandfraudisidentified,detailswillbepassedtofraudpreventionagenciesandotherorganisationsinvolvedincrimeandfraudprevention.Lawenforcementagenciesmayalsoaccessandusethisinformation.

31.8 WewillalsogivedetailsofhowyoumanageyourAccounttocreditreferenceagencies(wedonotusecreditreferenceagenciesinconnectionwithapplicationsfor,orthemanagementof,savingsproducts.).Theinformationthatisgivenbyusandotherstofraudpreventionandcreditreferenceagencieswillberecordedbythemandsharedwithotherorganisations.An“association”betweenjointapplicantsand/oranyindividualidentifiedasyourfinancialpartnerwillbecreatedatcreditreferenceagencies,whichwilllinkyourfinancialrecords.Youandanyoneelsewithwhomyouhaveafinanciallinkunderstandthateachother’sinformationwillbetakenintoaccountinallfutureapplicationsbyeitherorbothofyou.Thislinkingwillcontinueuntiloneofyousuccessfullyfilesa“disassociation”atthecreditreferenceagencies.

31.9 Organisationsaccessanduseinformationaboutyou,andanyonelinkedtoyou,recordedwithcreditreferenceagenciestopreventfraudandmoneylaundering,forcreditassessmentandaccountmanagement,tracinganddebtrecovery,identityverificationandstatisticalanalysisandsystemstesting.

31.10 Weandotherorganisationsaccessandusetheinformationrecordedwithfraudpreventionagenciestopreventfraudandmoneylaundering,forexamplewhencheckingdetailsonapplicationsforcreditandcreditrelatedorotherfacilities,managingcreditandcreditrelatedaccountsorfacilities,recoveringdebt,checkingdetailsonproposalsandclaimsforalltypesofinsuranceandcheckingdetailsofjobapplicantsandemployees.Youcanaskusfordetailsofthefraudpreventionagenciesweuseandhowcreditreferenceagenciesuseinformation.Weandotherorganisationsmayaccessandusefromothercountriestheinformationrecordedbytheirfraudpreventionagencies.

31.11 Wewillalsodiscloseyourinformation:

(a) toourinsurers,sub-contractorsandpersonsactingasouragentswhohaveagreedtokeepyourinformationstrictlyconfidential;

(b) tolinkedsupplierstotheextentthattheyneedyourinformationtoprovideadditionalbenefitsorservicestoyou;

(c) toanybank,financialinstitutionorcompanytowhomwemayassignortransferourrightsand/ordutiesunderthisAgreement;or

(d) ifwearerequiredorpermittedtodosobyApplicableLaw,includingtoAuthorities.

31.12 WemaytransferyourinformationtoaGroupCompany,athirdpartyserviceproviderorpersonactingasouragentinanothercountrysolongastheyagreethatyourinformationwillreceivesubstantiallythesamelevelsofprotectionaswearerequiredtogiveitintheUK.Youconsenttohavingyourinformation(includingformernamesandgenders)transferredbyusorothersprocessingonourbehalf,ortheiragents,toAuthoritiesinothercountries(includingcountriesoutsidetheEEAhavinglessstringentdataprotectionrequirementsthanthosewithinit)ifthedisclosureisrequiredbyApplicableLaw,includingthelawsorregulatoryrulesofthosecountries.

31.13 UndertheDataProtectionActyouareentitledtoacopyofyourpersonaldataheldbyusonpaymentofafee,currently£10.YoushoulddirectanyquestionsabouttheuseofyourpersonaldatatotheDataProtectionOfficer,CitibankInternationalLimited.,POBox49930,LondonSE57XT.

31.14 Youhavetherightofaccesstoyourpersonalrecordsheldbycreditandfraudagencies.Pleasecontact08000569569ifyouwouldlikedetailsoftheagenciesweuse.

31.15 Someofourdecisionsareautomated,basedoninformationweholdaboutyou.Ifyouwouldlikeustoreviewadecisionwehavemadeaboutyou(whetherornotautomated),pleaseletusknowwithin21daysofbeingnotifiedofthedecision.

32. General

32.1 Othertaxesorcostsmayexistthatarenotchargedbyusorpaidthroughus.

32.2 ThisAgreementisinEnglish.WewillcommunicateinformationornoticesunderthisAgreementinEnglish.

32.3 ThisAgreementwillbegovernedbythelawsofEnglandandWales.AnydisputewhicharisesinrelationtothisAgreementshallbedealtwithbythecourtsofEnglandandWalesoranyothercourtintheUnitedKingdomwhichisabletohearthecase.

32.4 YoucanaskusatanytimeforacopyoftheseGeneralTermsandConditions,anyAccountSpecificTermsandConditionsandanyleafletsthatshowourratesandchargesorothercontractualinformation.

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33. About us

33.1 Citiprovidesbankingservices,creditandotherfinancialservicestocustomers.

33.2 OurregisteredofficeisatCitigroupCentre,CanadaSquare,CanaryWharf,LondonE145LB.

33.3 OurVATnumberis429625629.

34. How we are regulated

34.1 WeareauthorisedbythePrudentialRegulationAuthorityandregulatedbytheFinancialConductAuthorityandthePrudentialRegulationAuthority.Ourfirmreferencenumberis122342.TofindoutmoreaboutuspleaseseethePRA/FCAregisterathttp://www.fsa.gov.uk/register/home.doorcalltheFCAon08001116768orthePRAon02076014878.

35. Complaints procedure

35.1 IfyouareunhappywithanyaspectoftheservicesprovidedunderthisAgreement,wehaveproceduresinplacetodealwithyourconcernseffectively.Youshouldbringyourcomplainttoourattentionbycontactingus.Wewillaimtodealwithanycomplaintspromptlyandfairly.Acopyofourcomplaintsprocedureisavailableonrequest.

35.2 Ifyouremainunhappyafteryouhavegivenusthechancetoputthingsright,youmaybeabletoreferittotheFinancialOmbudsmanServiceatSouthQuayPlaza,183MarshWall,LondonE149SR(tel:08000234567or03001239123).TheFinancialOmbudsmanServiceisanorganisationsetupbylawtogivecustomersafreeandindependentserviceforresolvingdisputeswithfinancialfirms.DetailsofthosewhoareeligiblecomplainantscanbeobtainedfromtheFinancialOmbudsmanService.

36. Deposit protection

36.1 TheUKFinancialServicesCompensationScheme(the“Scheme”)providescompensationincertaininstanceswhereweareunable,orarelikelytobeunable,tosatisfyclaimsagainstus.Insuchcircumstances,theSchememayprovidecompensationforclaimsrelatingtoservicesprovidedbyussuchasdeposit-taking.However,theSchemeisgovernedbyspecificrulesoncompensationwhichdetermineyoureligibility,thecircumstancesinwhichcompensationwillbeavailabletoyou,andthelimitsoncompensationpayabletoyou.AnyrecoveryundertheSchemeisthereforesubjecttoyourspecificcircumstances,thenatureofyourclaimandthespecificrulesoftheScheme.

36.2 ClaimsundertheSchemeinrelationtodepositsaresubjecttomaximumlimitsoncompensation,aspublishedfromtimetotimeontheScheme’swebsite.Itisnotpossibletoclaimanamountinexcessofthepublishedlimitevenwherethefinanciallosssufferedortheamountofinitialdepositishigher.Thecurrentcompensationlimitfordepositsasat1January2014issetat100%ofthefirst£85,000perclientsperauthorisedfirm.Up-to-dateinformationonthelimitsapplicableundertheSchemeareavailableat:www.fscs.org.uk.

36.3 TheSchemealsocoverscertaininstanceswhereweadviseonorarrangecertaingeneralinsuranceproductsandaresubsequentlyunable,orarelikelytobeunabletosatisfyclaimsinconnectionwithsuchactivities.Thecurrentlimitforgeneralinsurancemediationactivities(withcertainexceptions)is90%oftheclaimwithnoupperlimit.Up-to-dateinformationonthelimitsapplicableundertheSchemeisavailableatwww.fscs.org.uk.

36.4 Whereweareresponsiblesolelyforarrangingforyoutoenterintocertaingeneralinsuranceproductswithanotherprovider(theinsurer),youshouldbeawarethattheSchemewillonlycoverasituationwherewecannotmeetourobligationsandnotwherethethirdpartyinsurerisunabletodoso,unlessthatthirdpartyproviderisseparatelycoveredbytheScheme.

36.5 Wewillprovidefurtherinformationontheconditionsgoverningcompensationandtheformalitieswhichmustbecompletedtoobtaincompensationuponrequest.MoredetailedinformationontheSchemeisalsoavailablefromtheScheme’swebsite:http://www.fscs.org.ukoryoucancontacttheSchemeat:FinancialServicesCompensationScheme10thFloor,BeaufortHouse,15StBotolphStreet,LondonEC3A7QU(tel:02077414100);email: enquiries@fscs.org.uk.

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Copyright © 2014 Citigroup Inc., Citi, Citi and Arc Design and Citigold are trademarks and service marks of Citigroup Inc. or Citibank NA and are used and registered throughout the world. Citibank International Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our firm reference number is 122342. Registered in England No. 1088249. Registered Office: Citigroup Centre, Canada Square, Canary Wharf, London E14 5LB. Vat No. GB 429 6256 29. Ultimately owned by Citigroup Inc., New York, USA. 14390 11/14

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