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"Bangkok Thailand Travel Coupon Online Promotion" Terms and Conditions ("Promotion"):
1. The promotion period is from December 1, 2009 to January 14, 2010 ("Promotion Period").
2. Customers must successfully apply and drawdown an approved CitiFinancial Personal Loan during the promotion period via CitiFinancial Online Application Form and is not applicable to customers who have entered into the CitiFinancial "Wedding Loan" promotion ("Eligible customers").
3. Eligible customers must not currently hold and/or in the past 12 months have successfully applied for or cancelled any "Personal Loan", "Mortgage Loan" and/ or "Citibank Ready Credit" account with Citibank (Hong Kong) Limited.
4. Eligible customers will be entitled to one entry for the lucky draw ("lucky draw").
5. Eligible customers’ accounts must be in good condition without late payment or early payment, otherwise the lucky draw entry will be forfeited.
6. One winner will be drawn from the eligible customers base within each designated promotion period and the lucky draw will be conducted randomly by computer. There will be a total of six winners for the promotion.
7. The lucky draw details are as follows:
Promotion Period (Successful Application and Loan Drawdown Date) Lucky Draw Prize No. of Winner Draw Date
December 1, 2009 to January 14, 2010 Wing On Travel Gift Voucher (worth HK$12,000) 3 January 21, 2010
8. Winners will be notified by mail individually within one week after the draw date. The lucky draw result will be announced on the CitiFinancial website www.citifinancial.com.hk on January 28, 2010.
9. Winners must redeem their prize at designated redemption house on or before the designated date as stated on the redemption letter. Otherwise the lucky draw prize will be forfeited.
10. Winners are responsible for arranging transport, delivery and insurance of their own prize and all taxes, charges and fees in relation thereto.
11. The lucky draw prize is non-transferable and non-exchangeable for cash, credit or any other items.
12. By entering into the promotion customers consent to co-operate with and participate in any marketing activities of Citibank (Hong Kong) Limited.
13. Citibank (Hong Kong) Limited shall not be responsible for any matters or disputes relating to the product or service provided by the respective merchant. The respective merchant is solely responsible for all obligations and liabilities in relation to such product or service.
14. Employees and their immediate family members of Citibank (Hong Kong) Limited and its subsidiaries and employees and their immediate family members of the advertising agency are not eligible for the promotion.
15. Citibank (Hong Kong) Limited reserves the right to amend these terms and conditions and may withdraw or discontinue the promotion without prior notice. All matters and disputes will be subject to the final decision of Citibank (Hong Kong) Limited.
16. The English version of these Terms and Conditions shall prevail wherever there is a discrepancy between the English and the Chinese versions.
   
   
CitiFinancial "Savings Bonus" Terms and Conditions:
1. The enrollment period is between March 9, 2009 and December 31, 2009, both dates inclusive ("the Enrollment Period"). The offer period is between March 9, 2009 and December 31, 2011, both dates inclusive ("the Bonus Period"). The enrollment is on a first come, first served basis and will be cut off when quota is full.
2. Savings Bonus is exclusive to the customers of Citibank (Hong Kong) Limited ("the Bank") who ("Eligible Customers"):
i) Successfully open a new Citifinancial Personal Loan Account or top-up an existing Citifinancial Personal Loan during the Enrollment Period ("Eligible Loan Account"); and
ii) Successfully open a single name Bank at Work Savings Account at Citibank branch or Citifinancial branch before or within 14 calendar days from drawdown date or top-up date.
3. If the Eligible Loan Account is a joint loan account, only the main account holder will enjoy Savings Bonus.
4. Bank at Work Savings Account of Eligible Customers will be entitled to a 0.5% per annum bonus interest rate ("Savings Bonus Rate") in addition to Bank at Work Savings Account's deposit rate.
5. Both Savings Bonus Rate and Bank at Work Savings Account's deposit rate are subject to market situation and vary from time to time without prior notice.
6. Savings Bonus will be calculated daily based on the Savings Bonus Rate and daily deposit balance of Bank at Work Savings Account.
7. Bonus Period of Eligible Customers will be counted from Eligible Loan Account drawdown month or top-up month or Bank at Work Savings Account first payroll crediting month (whichever is later) until Eligible Loan Account maturity month or December 31, 2011 (whichever is earlier).
8. Bonus Period of Eligible Customers who top-up their Eligible Loan Account will be counted until the top-up loan maturity month or December 31, 2011 (whichever is earlier).
9. If Eligible Customers reinstate a new Citifinancial Personal Loan Account after maturity or early settlement of Eligible Loan Account, the reinstated loan account will not be entitled to any Savings Bonus.
10. Savings Bonus will be credited to Bank at Work Savings Account of Eligible Customers as per the following schedule without further notice:
Bonus Period Credit Date
March 9, 2009 – June 30, 2009 By August 15, 2009
July 1, 2009 – December 31, 2009 By February 15, 2010
January 1, 2010 – June 30, 2010 By August 15, 2010
July 1, 2010 – December 31, 2010 By February 15, 2011
January 1, 2011 – June 30, 2011 By August 15, 2011
July 1, 2011 – December 31, 2011 By February 15, 2012
11. Eligible customer must fulfill all of the below requirements within each bonus period and upon crediting of Savings Bonus, or else Savings Bonus for that particular bonus period will be forfeited:
i) Customer must maintain both an active Citifinancial Personal Loan Account and an active Bank at Work Savings Account; and
ii) There must be continuous monthly salary crediting record in Bank at Work Savings Account; and
iii) There must be no record of early settlement or default payment of Citifinancial Personal Loan Account.
12. The maximum amount of Savings Bonus for each Bonus Period will be calculated based on the drawdown or top-up loan amount of Eligible Loan Account ("Loan Amount Cap"). Maximum Savings Bonus Amount for each Bonus Period = [Loan Amount Cap] X 0.5% p.a. X 1/12 X [Number of months entitled to Savings Bonus within each Bonus Period] For example, an eligible customer with Loan Amount Cap of $30,000 and number of months entitled to Savings Bonus within the first Bonus Period is 3: Maximum Savings Bonus amount for the first Bonus Period = $30,000 X 0.5% p.a. X 1/12 X 3 months = $37.5.
13. Savings Bonus cannot be used in conjunction with any other promotion offers except Welcome Offer of Bank at Work Savings Account, Online Application Offer of Citifinancial Personal Loan Account, Citifinancial Member-Get-Member program reward, Citifinancial Wedding Loan Promotion Offer and Citifinancial New Parents Loan Promotion Offer.
14. Employees of the Bank are not eligible for Savings Bonus.
15. In case of any dispute arising from Savings Bonus, the decision of the Bank shall be final and conclusive.
16. The Bank reserves the right to change these Terms and Conditions from time to time without prior notice.
17. Bank at Work Savings Account is governed by Terms and Conditions for using Citibanking account for payroll and Terms and Conditions of the Welcome Offer of Citibanking Account.
18. If there is any inconsistency between the English and Chinese versions, the English version shall prevail.