1. The Annualized Percentage Rate ("APR") of as low as 1.30% (taking into account HK$2,000 cash rebate) or 1.40% (without any cash rebate) is calculated based on the monthly flat rate 0.063% with loan amount of HK$3,500,000 and repayment tenor of 12 months, and is applicable to Citigold Private Client customers with Citi ULTIMA. APR is calculated based on the guidelines as set out in the Code of Banking Practice and rounded up to the nearest two decimal places. Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ, which is to be considered on a case-by-case basis in accordance with customer's profile. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate
2. Loan amount of Citi Tax Season Loan is up to 12x times of your monthly salary or HK$3,500,000, whichever is lower.
3. Repayment period of Citi Tax Season Loan is of 6 to 60 months.
4. “Instant Disbursement Upon Loan Approval” is only applicable for disbursement to participating banks of Faster Payment System (FPS), and is subject to Citi’s loan approval and availability of FPS, while the crediting to the recipient’s account is subject to the recipient bank’s handling. Processing time may vary in some cases depending on the actual circumstances of individual applications.

Terms and Conditions of Welcome Offer (“Offer”)

• The Offer promotion period is from Jan 7, 2026 to Mar 31, 2026, both dates inclusive (“Promotion Period”).
• Customers who successfully apply for Citi Tax Season Loan or Citi Speedy Cash Loan or Citi Card Debt Consolidation Loan within the Promotion Period and drawn down on or before Apr 14, 2026 with a specific loan amount and repayment period 12 months or above (“Eligible Customers”) will be eligible for cash coupon or cash rebate (“Reward”). Only applicable to customers who do not hold any Personal Loan account offered by Citibank (Hong Kong) Limited (the “Bank”) at the time of application.

  Offer (Cash Coupons or Cash Rebate)
  Loan Amount (HK$)	Repayment period 12-18 months		Repayment period 24-36 months		Repayment period 42 months or above
  	Citigold Private Client (CPC)/Citigold/ Citi ULTIMA cardholders	Other customers	Citigold Private Client (CPC)/Citigold/ Citi ULTIMA cardholders	Other customers	Citigold Private Client (CPC)/Citigold/ Citi ULTIMA cardholders	Other customers
  HK$1,500,000 or above	-	-	HK$4,000	HK$2,000	HK$8,000	HK$8,000
  HK$800,000 to HK$1,499,999	-	-	HK$2,000	HK$1,000	HK$4,000	HK$2,000
  HK$400,000 to HK$799,999	-	-	HK$500	HK$500	HK$1,000	HK$1,000
  HK$100,000 to HK$399,999	-	-	HK$500	HK$500	HK$1,000	HK$1,000

• The Offer for Citigold Private Client/Citigold Client or Citi ULTIMA cardholder is only applicable to the applicant who fulfill the following requirement from the date of application to the issue date of redemption letter (both dates inclusive):
  - Citigold Private Client should maintain the account balance at HK$8,000,000 or above with the Bank, Citigold Client should maintain the account balance at HK$1,500,000 or above with the Bank and Citi ULTIMA cardholder needs to hold the Citi ULTIMA issued by the Bank.
• The Flash Sales Offer (“Flash Sales Offer”) promotion period is from Jan 7, 2026 to Jan 20, 2026, both dates inclusive (“Flash Sales Promotion Period”). Eligible Customers will be eligible for the below Flash Sales Offer.

  Flash Sales Offer (Cash Coupons or Cash Rebate)
  Loan Amount (HK$)	Repayment period 12-18 months		Repayment period 24-36 months		Repayment period 42 months or above
  	Citigold Private Client (CPC)/Citigold/ Citi ULTIMA cardholders	Other customers	Citigold Private Client (CPC)/Citigold/ Citi ULTIMA cardholders	Other customers	Citigold Private Client (CPC)/Citigold/ Citi ULTIMA cardholders	Other customers
  HK$1,500,000 or above	HK$2,000	HK$2,000	HK$8,000	HK$4,000	HK$16,000	HK$16,000
  HK$800,000 to HK$1,499,999	HK$2,000	HK$2,000	HK$4,000	HK$2,000	HK$8,000	HK$4,000
  HK$400,000 to HK$799,999	HK$1,000	HK$1,000	HK$1,000	HK$1,000	HK$2,000	HK$2,000
  HK$100,000 to HK$399,999	HK$1,000	HK$1,000	HK$1,000	HK$1,000	HK$2,000	HK$2,000

• The Cash Rebate will be credited to your Citi Credit Card account (for Principal Cardholder only) on or before Jun 30, 2026 without further notice when your credit card account is valid and in good standing during the Promotion Period. If Eligible Customers do not have any Citi Credit Card account, the Cash Rebate will be credited to your Citibank account if you have selected Citibank account as the loan repayment account. If you have more than one of the following Citi Credit Card, the Cash Rebate will be credited to the Citi Credit Card Principal Cardholder account according to the following sequence maintained in the Bank record: a. Citi Ultima Card
  b. Citi Prestige Card
  c. Citi PremierMiles Card
  d. Citi Cash Back Card
  e. Citi Rewards Card
  f. Citi Rewards UnionPay Card
  g. Citi Plus® Credit Card
  h. Citi Octopus Card
  i. Citi HKTVmall Card
  j. Citi The Club Credit Card
  k. Citi Clear Card
  Otherwise, a cash coupon redemption letter (if applicable) will be mailed to the Eligible Customers’ Hong Kong correspondence address according to The Bank’s record on or before Jun 30, 2026.
  
• Cash coupon reward is subject to availability. The Bank reserves the right to offer an alternative gift or benefit in substitution of the cash coupon/ premium reward/cash rebate without prior notice. Cash coupon reward cannot be converted to cash and are not replaceable in the event of any loss or damage. The use of the cash coupon reward is bounded by the relevant terms and conditions printed therein and The Bank accepts no liability in respect of the quality of the products and services provided by the supplier involved in this promotion. The respective suppliers are responsible for all obligations and liabilities in relation to such products or services.
• Each Eligible Customer can enjoy the Offer once during the Promotion Period.
• Citibank Personal Loan account of Eligible Customers must be valid and in good condition without any late payment or early repayment, otherwise The Bank reserves the right to forfeit the eligibility of an Eligible Customer to participate in this promotion and the Eligible Customer shall immediately repay to The Bank full amount of Reward under this promotion.
• If Eligible Customers have made early settlement of /cancelled Citi Personal Loan accounts after the Rewards are awarded, The Bank reserves the right to charge:
  a) the full amount of the Reward (if applicable); AND
  b) the early repayment fee for the Citi Personal Loan (which is based on a rate on the entire principal amount as set out in the Drawdown Letter)
• The Offer cannot be used in conjunction with any other promotional offers.
• Citi Tax Season Loan, Citi Speedy Cash and Citi Card Debt Consolidation Loan are products of Citibank Personal Loan and are subject to the “Terms and Conditions for Citibank Personal Loan”.
• The Offer is not applicable for staff who employed under Citibank (Hong Kong) Limited (CHKL) and Citigroup.
• The Bank reserves the right to amend these terms and conditions at any time without prior notice.
• In case of dispute, the decision of The Bank shall be final and conclusive.
• In the event of discrepancy or inconsistency between this English version of the terms and conditions and the Chinese version, the English version shall prevail.