FRAUD PREVENTION ADVICE

• Citibank will never send you an e-mail asking for your account number, Online Banking Password, ATM Card/Credit Card Personal Identification Number (PIN), account balance and identity card/passport number or other sensitive information.
• Be alert for fraudulent e-mails. These may appear to come from a trusted business or friend, but actually are designed to mislead you into opening a fraudulent website and disclosing sensitive information.
• Be suspicious of any e-mail that contains an embedded hyperlink or a request to enter personal information. Do not reply, click on the hyperlinks or input any sensitive information.
• If you've received suspicious e-mails purporting to be from Citibank, please notify us right away.
• Email attachments from unspecified or suspicious sources may be a virus or worm. Do not open any attachment unless you are sure it is safe.
• Do not send sensitive personal or financial information unless it is encrypted on a secure website. Regular e-mails are not encrypted.
• If you have provided sensitive information to a suspicious website, you should report it to the police immediately. If the website is purporting to be a Citibank site, please notify us right away.
• If we request information from you, we will always direct you back to a Citibank site using links. These links are to provide you with convenience. However, you can also reach our sites using any of our published URLs.
• If you use a link in an e-mail you have received from us, you can check the authenticity of the website you are accessing by checking the website SSL certificate information, such as company name, URL, certificate issuer, validation date, and encryption types, etc., to confirm that is the website you intend to access.

• Install security patches and the latest software updates in your mobile phone. Do not download program/apps from unsecured sources.
• Ensure that no one is watching you while you key in your User ID, Password, or any other sensitive information.
• Always log off your online session. Do not just close your mobile phone browser. Follow the logoff instructions to ensure your protection.
• Set up a password for your mobile phone. This will help you prevent unauthorized use of your mobile phone and access to your personal information in case it is lost or stolen.
• Remove temporary files and the cache stored in the memory of your mobile phone regularly since they may contain sensitive information such as your account number.
• Delete sensitive SMS messages if they are no longer required and clear the browsing history regularly.
• Do not leave your mobile phone unattended.
• Avoid sharing your mobile phone with others.
• Do not keep sensitive information such as your account numbers, PIN and logon passwords in your mobile phone.

To ensure your ATM banking sessions are secure, here are some simple security tips you should follow:

• Beware of any foreign object/device attached to the ATM that appears unusual. The attached foreign object/ device may be a skimming device to compromise magnetic strip data & PIN.
• Insert your ATM card into the card reader and remove it. Do not leave the card in the slot.
• Do not allow anyone to see your PIN when you are keying it in. Ensure no one is looking over your shoulder.
• Never disclose your PIN or lend your ATM card to anyone.
• Change your ATM card/credit card PIN upon receiving it.
• Do not use the same ATM card/credit card PINs for accessing other services.
• Memorize your ATM card & credit card PIN and destroy any written or printed record.
• Do not write down or record your PIN without disguising it.
• Never use ATM card & credit card PIN that can be easily guessed such as ID number, birthday or telephone number.
• Change your ATM card & credit card PIN regularly.
• Do not allow anyone to use your ATM card and your PIN.
• Never disclose your PIN to anyone, not even someone claiming to be a Citibank staff or the police.
• If your PIN is lost or has been identified by another person, please contact your bank to report the case immediately.

To prevent credit card fraud from happening, here are some measures you can take to protect yourself:

• Sign on the back of your Credit Card the moment you receive it.
• Keep an eye on your card when making transactions, to avoid any unauthorized person from gaining your Credit Card.
• Dispose of all personal documents properly.
• Check your account balances regularly.
• Review your monthly statements and report discrepancies immediately.
• Inform your bank in advance of any address change.
• Patronize only reputable websites when making purchases.
• Beware of unsolicited e-mails asking for personal information.
• Never lend your Credit Card to anyone.
• Purchase solutions such as Card Protection Plan, or the free Citi Alerts service to protect yourself.
• Inform the bank in advance of your travel plans to help the bank validate Credit Card purchases incurred overseas.
• Update your latest and valid personal details with the bank, such as mobile phone number to ensure correct correspondence for charge confirmation when suspicious transactions appear.
• Be wary of leaving your wallet inside your jacket which is hanging on the back of your chair at restaurants, to prevent any unauthorized person from gaining your Credit Card or other personal belongings.
• Do not carry too many Credit Cards, when visiting places with a locker service, such as the changing rooms of swimming pools, playgrounds or health/fitness centers.