1. Application is subject to the final approval of Citibank (Hong Kong) Limited. 2. Cardholder must pay the "Minimum Payment Due" as shown on the Statement to avoid any financial fees and charges. 3. The Annual Rate for Citibank Credit Card "Balance Transfer Program" starts from 5.8%, and the promotional period ranges from 3 months to 6 months (Please call our 24-hour hotline 2860 0376 for your personalized annual rate and promotional period). The annualized Percentage Rate of this program for 5.8% p.a. rate is 5.96%; The quoted Annualized Percentage rate (APR) is calculated in accordance with the method set out in the relevant guidelines issued by the industry associations. The actual APR applicable may differ. Availability of this program is subject to account status checking, available credit limit or loan limit (whichever applicable) at the time the request is received and the final acceptance by Citibank (Hong Kong) Limited ("Citibank") in its absolute discretion. Citibank has the right to revise the final approved transfer amount. ^ Application via the web will not be processed if no verification has been done by Citibank (Hong Kong) Limited. Customers will be contacted within 3 working days counting from the day of when the customer first submitted the online application form stipulated in this promotional webpage.

"Balance Transfer" Program - Terms and Conditions for Low Rate Offer 1. Citibank Credit Card "Balance Transfer" Program (the "Program") is only applicable to the designated Citibank credit cardholder ("Eligible Cardholder") as stated in this marketing material. 2. A request for the Program, either in writing or through a phone call, will be deemed to be acceptance of the terms and conditions set forth herein. The terms and conditions of this Program shall be in addition and supplementary to and not in substitution or in derogation of Citibank VISA and MasterCard Agreement, Citibank Cash Back VISA Card Agreement, Citi PremierMiles Platinum VISA Card Agreement, Octopus Citibank Credit Card Agreement, Shell Citibank Platinum Card Agreement or Citibank Ultima Card Agreement, whichever is applicable (each a "Cardholder Agreement"). The words and expressions used herein shall have the same meaning as in the Cardholder Agreement. In case of any inconsistency between the terms and conditions of this Program and the Cardholder Agreement, the terms and conditions herein contained shall prevail. 3. Only transfers from credit cards / overdraft accounts / personal loans issued by any Hong Kong financial institutions will be accepted. Credit cards or overdraft accounts / personal loans issued by Citibank (Hong Kong) Limited ("Citibank") / Diners Club International (Hong Kong) Limited, will not be considered. 4. Application cannot be cancelled, changed or reversed once submitted. 5. Availability of the Program is subject to account status checking, available credit limit at the time the request is received and the final acceptance by Citibank in its absolute discretion. Citibank has the right to revise the final approved transfer amount. 6. Application processing will normally be completed within 3 working days upon receipt of application. After processing is complete, the approved cash amount will be remitted to the nominated account and subjected to the payee bank's processing time. Prior to receipt of Citibank's confirmation, you have to continue to fulfill payment of the balances to be transferred. Citibank will not be liable for any finance charges incurred. 7. The finance charge charged on the transfer amount under this Program will be calculated as follows: a. The finance charge will be charged on the transfer amount starting from the approval date of the Program. After the low rate period, the finance charge will be calculated according to the charges as stipulated in the Cardholder Agreement. The finance charge will be calculated and accrued on a daily basis. b. The low rate is applicable to the transfer amount under this Program only. Other outstanding and new retail purchases and cash advances will be charged according to the charges as stipulated in the Cardholder Agreement. c. If the "Minimum Payment Due" under any Statement ("Reference Statement") is not received on or before the "Payment Due Date" during the Program low rate period, the low rate will expire on the date of the statement following the Reference Statement. A default finance charge will also be charged on the unpaid balance in accordance with the Cardholder Agreement. 8. Your repayment will be used to firstly settle all outstanding fees and charges, including the finance charge and unpaid balance of the Balance Transfer / Cash Conversion Program and lastly, the outstanding principal amount of the Transactions and in the case where any of the Transactions are subject to more than one finance charge rate, in the application order from the Transactions with the lowest rate to the Transactions with highest rate; or in any other order as Citibank considers appropriate without prior reference to the Cardholder. 9. The offer of this Program is valid only until the application deadline as stated in this marketing material: a. Nothing contained in this Program shall be construed as an obligation on Citibank to offer or continue to offer the Program. b. Citibank reserves the right at any time without prior notice to add, alter, modify, change or vary all or any of these terms and conditions, or to replace, wholly or in part, this Program by another scheme, whether similar to this scheme or not, or to withdraw it altogether. c. Citibank will not be responsible or liable for any actions, claims, damages, costs, charges and expenses which a cardholder may suffer, sustain or incur by way of this Program. d. This Program is by way of a special facility for selected Citibank credit cardholders and nothing contained herein shall be construed as conferring any vested right in any cardholder to claim prizes or otherwise howsoever 10. This Program is not entitled to "Citibank Rewards Points" or any Bonus Points offer 11. Citibank reserves the right to amend the terms and conditions at any time without prior notice and has the final decision on all matters of disputes. 12. In case of any discrepancy between the English and Chinese versions, the English version shall prevail.