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Citi PayAll’s Terms and Conditions: • Citi PayAll is a feature for eligible customers (“Customer” or “Customers”) only. Eligible customers will be able to access Citi PayAll’s feature in Citi Mobile App and/or will receive the SMS link to transact Citi PayAll for each month. • Citi PayAll is a feature which allows Customer to pay for goods and services or other expenses through a bank transfer using the available credit line of Customer’s Citi Credit Card or Citi Ready Credit to to other persons only. Customer is not allowed to use Citi PayAll for a first party transfer. • Customer will receive Citi Rewards Points or cash back based on the card type used to transact Citi PayAll. • The transaction can be transferred to a bank account in Thailand only. For bank account number, Customer must enter only digits. • Citi PayAll’s usage is limited to up to THB 690,000 per Customer per month,3 transactions per Customer per month, 2 transactions per Customer per month for the same recipient account, 2 transactions per month per purpose of payment, and 1.5 times of Citi Credit Card’s or Citi Ready Credit’s credit limit (whichever is lower) per month • The limitations per month are based on the calendar month and on the date that card member selects for the recipient to receive the money. • The transaction will be posted on Customer’s statement 2 business day before the Due Date, including the Due Date if the Due Date is a business day; Due Date is the date that the card member selects for the recipient to receive the money. • The available permanent credit limit of Citi Credit Card or Citi Ready Credit based on the Bank’s database has to sufficiently cover the amount of payment and service fee inclusive of VAT. Therefore, please take into account the processing time of each channel when paying to your Citi Credit Card or Citi Ready Credit • Requesting for a temporary credit line increase may result in rejection of payment instruction via Citi PayAll • Recipient will receive the money on the next day after the transaction is posted on Customer’s statement. Therefore, the date that the recipient actually receive money can precede the Due Date if the Due Date and/or the day before the Due Date are not business days • For more details on Terms and Conditions of using Citi PayAll, please visit https://www.citibank.co.th/CAF/assets/doc/ace/ TnC_Pay_All_with_fee_EN.pdf

Lotus’s gift card promotion: • Lotus’s gift card promotion is exclusively for Customers who have received SMS invitation to participate in this promotion for each month only. The Bank reserves the right to give Lotus’s gift card only to Customers who have received SMS invitation and made qualified transactions in accordance with the promotion’s terms & conditions. • The registration is required before making a transaction every month to be eligible for the reward. • Type ‘PALL’ followed by last 12 digits of your Citi Credit Card or Citi Ready Credit (no space between the number) and send to 4712228 (THB 3/SMS). Customer will receive SMS confirmation upon successful registration for the provided card number. Therefore, Customer must ensure that the provided card number is correct. In case Customer did not register or registered for the promotion with the wrong card number, Customer will not be eligible for the reward in that particular month. • Customer must keep the evidence of sending the SMS (showing the last 12 digits of the card and date of sending) in case the information provided by Customer does not match the Bank’s database with respect to SMS registration. • For Citi Credit Card and Citi Ready Credit, get Lotus’s gift card valued THB 200 for Existing Customer / THB 300 for New Customer or for Citi PayAll’s transaction with installments when making transaction(s) totaling THB 50,000 and above, get Lotus’s gift card valued THB 500 for Existing Customer / THB 700 for New Customer or for Citi PayAll’s transaction with installments when making transaction(s) totaling THB 100,000 and above, get Lotus’s gift card valued THB 1,000 for Existing Customer / THB 1,500 for New Customer or for Citi PayAll’s transaction with installments when making transaction(s) totaling THB 200,000 and above, get Lotus’s gift card valued THB 2,000 for Existing Customer / THB 3,000 for New Customer or for Citi PayAll’s transaction with installments when making transaction(s) totaling THB 400,000 and above, or get Lotus’s gift card valued THB 3,000 for Existing Customer / THB 4,500 for New Customer or for Citi PayAll’s transaction with installments when making transaction(s) totaling THB 600,000 and above. • When calculating Citi PayAll’s total spending for the reward, The Bank will combine Citi PayAll’s transaction with installments with Citi PayAll’s transaction with installments only (separately from Citi PayAll’s transaction without installments). The Bank will provide the maximum reward that Customer is entitled to from either Citi PayAll’s transaction with installments or Citi PayAll’s transactions without installment • New Customer is a Customer who never used Citi PayAll during 1 Sep ’19 - 31 Mar ’22. Existing Customer is a Customer who used Citi PayAll at least once during 1 Sep ’19 - 31 Mar ’22. • Citi PayAll’s transaction with installments means Citi PayAll’s transaction that customer chose to make a payment by installments during Citi PayAll’s registration only. This does not include spending conversion after Citi PayAll’s registration through Citi PayLite and/or Citi Flexibill • The Bank limits 1 gift/ Customer/ month • Only Customers with an eligible transaction posted during 1-30 April 2022 will receive their entitled voucher as part of Apr ’22 promotion. Only Customers with an eligible transaction posted during 1 - 31 May 2022 will receive their entitled voucher as part of May ’22 promotion. Only Customers with eligible transaction posted during 1 - 30 June 2022 will receive their entitled voucher as part of Jun ’22 promotion. • The gift will be delivered to the Customer’s registered address with the Bank within 90 days after the program period • The gift will be offered to Customers who have a good payment history only. • The Bank reserves the right of final decision or any disputes arising out of or in connection with this promotion and/or Citi PayAll. • Bank reserves the right to change these terms and conditions at any time without prior notice • Program Period is 1 Apr - 30 Jun 2022 • ECBQ102

Fee and interest charged: • For Citi Credit Cards, the service fee is 1.5% of the amount of payment and VAT of 7% applies to the amount of fee charged. For Citi PayAll’s transaction with no installments, in case of partial payment made after statement cycle, the interest rate is 16% per annum and customer can choose to make minimum payment as usual. For more details on Terms and Conditions of using Citi Credit Card, please visit https://www.citibank.co.th/th/static/pdf/bc-tc-generic.pdf • For Citi Ready Credit, there is no fee charged. Interest rate, penalty and fee is 24%-25% per year (Effective rate). For more details on Terms and Conditions of using Citi Ready Credit, please visit https://www.citibank.co.th/th/static/pdf/RCTerm-and-Condition.pdf • For Citi PayAll’s transaction with installments, the service fee is waived for both Citi Credit Cards and Citi Ready Credit. The interest rate charged is as agreed between the Bank and the Customer. For more details on the installments, please visit www.citibank.co.th/en/services/pdf/terms-and-conditions.pdf • For more details on interest and fee, please visit www.citibank.co.th

Citi Rewards Points or Cash Rebate from Citi PayAll Transaction: • For Citi Rewards, Citi Premier, Citi Mercedes and Citi Prestige, get 2 Citi Rewards Points on every THB25 of Citi PayAll transaction. • For Citi Grab, Citi Lazada, Citi Makro and Citi Rewards Gold, get 1 Citi Rewards Points on every THB25 of Citi PayAll transaction. • For Citi Royal Orchid Plus Preferred and Select, get 1 Citi Rewards Points on every THB20 of Citi PayAll transaction. • For Citi Cash Back, get 1% cashback on Citi PayAll transaction. Every THB 100 of accumulated cash back in a month will be automatically credited to your statement with the limited maximum cash back in total of THB 2,000 per billing cycle. • The Citi PayAll transaction will not be eligible for Anniversary Bonus program of Citi Royal Orchid Plus Preferred.
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