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General Terms and Conditions for Citi Current Accounts and Savings Accounts

Effective from 25 May 2018

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General Terms and Conditions Contents

Condition Page

1. GeneralInformation 4

2. Ifyoudecidetochangeyourmind 4

3. Definitions 5

4. Yourcontactdetails 6

5. Yourinstructionstous 6

6. ThirdPartyProviders 7

7. JointAccounts 7

8. PowerofAttorney 8

9. DormantandLostAccounts 8

10. PayingmoneyintoyourAccount 8–9

11. PaymentsoutofyourAccount 10

12. Changingorcancellingpaymentinstructions 10

13. Refunds 10-11

14. Cheques 11

15. StandingOrders/DirectDebits 11

16. Overdrafts 11

17. FeesandCharges 12

18.Statements 12

19.Interestoncreditbalances 12-13

20.Tax 13

21. Foreigncurrency 13-14

22.PaymentInstruments 14

23.ProtectingyourAccount 14-15

24.Monitoringandrecording 15

25.Set-Off 16

26.ClosingandconvertingyourAccount 16

27. Accountrequirements 16-17

28.Onlineservice 17

29.Assignment 17

30.MakingchangestothisAgreement 17–18

31. Liability 19

32.Yourinformation 19

33.General 19

34.Aboutus 19

35.Howweareregulated 20

36.Complaintsprocedure 20

37. Depositprotection 20

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General Terms and Conditions for Citi Current Accounts and Savings Accounts

1. General Information

TheseGeneralTermsandConditionsforCitiCurrentAccountsandSavingsAccountsformpartoftheagreement(the“Agreement”)betweentheclient(s)(“you”),andCitibankEuropeplc,UKBranchwhoseregisteredofficeisCitigroupCentre,CanadaSquare,CanaryWharf,LondonE145LB(“Citi”“we”“us”).YoushouldreadtheseGeneralTermsandConditionsandtherelevantAccountSpecificTermsandConditionscarefullyastheycontaindetailsofbindinglegalarrangementsbetweenus.Ifthereisanythingyoudonotunderstand,pleaseaskusandwewillbehappytoassistyou.RememberthatonceyousigntheapplicationformandweacceptyourapplicationyouwillbeboundbythisAgreement.

1.1 ThisAgreementconsistsoftheseGeneralTermsandConditions,theAccountSpecificTermsandConditions,ourRatesandChargesInformation,anyapplicationform(s)youfillinwhenyouapplyforyourAccount,andanyspecialconditionsthatwetellyouaboutwhenwesupplyyouwithanewservice.TheseGeneralTermsandConditionsapplytoalldepositaccountsandservicesweoffertopersonalclients.TheAccountSpecificTermsandConditionsareadditionaltermsandconditionsthatapplytothevariousaccountsthatweoffer.TheAccountSpecificTermsandConditionswillapplytoyoudependingontheparticularAccount(s)youholdwithus.

1.2 YoushouldretainacopyoftheseGeneralTermsandConditionsforfuturereference.Wecanprovideyouwithadditionalcopiesofanyofourtermsandconditionsifyouaskus.

1.3 IfthetermsoftheseGeneralTermsandConditionsconflictwiththetermsoftheAccountSpecificTermsandConditionstheAccountSpecificTermsandConditionswillapply.

1.4 TheseGeneralTermsandConditionswillapplyuntilallofyourAccountswithCitiareclosedandanymoneyyouowetoushasbeenrepaid.

1.5 YouwillbeissuedwithoneCardtouseinconnectionwithallyourAccounts.YouwillbeabletousethisasaCitiCardtoaccessinformationaboutyourAccounts.

1.6 YouwillbeabletouseyourCardasaCitiDebitCardoraCitiATMCardonly;

(a) ifyourCardiscapableofbeingusedinthatmanner;

(b) inrelationtooneAccountatanyonetime(pleasetellusifyouwantustochangetheAccountyouwanttolinkyourCardto);and

(c) iftheAccounttowhichyouhavelinkedyourCardpermitssuchuse.

1.7 YoumaybeabletouseyourCardtomakecontactlesspaymentsifyourCardpermitssuchuse.YourUserGuidesetoutswhetherthissortofpaymentispossiblewithyourCardandthemonetarylimitsforcontactlesspaymentsusingyourCard.

1.8 InordertoopenanewAccountyoumustbeaged18yearsorover.

1.9 AllobligationspayablebyusunderthisAgreementarepayablesolelybyCitibankEuropeplc,UKBranch.

2. If you decide to change your mind

2.1 UnlesswetellyouotherwisewhenyouopenanAccount,youcancancelyourAccountifyounotifyusinwritingwithin14daysfromthedateyourAccountisopenedorthedateyoureceivedtherelevantAccountSpecificTermsandConditionsandtheGeneralTermsandConditions(whicheverdateisthelater).YoucanwritetousatCitibankEuropeplc,UKBranch,POBox4012,Swindon,SN44JZifyouwanttocancelyourAccount.

2.2 IfyoutellusyouwanttocancelyourAccountwewillhelpyouswitchtoanotheraccountor,ifyouwouldprefer,wewillgiveyouallyourmoneybackwithanyinterestyourmoneyhasearned.IfyouhavepaidafeeforyourAccountinadvance,wewillrefundanyunusedpartofthatfee.

2.3 IfCitihasprovidedyouwithacreditfacility,bywayofanoverdraftorothertypeofcashloan,youcanwithdrawfromthisfacilitybygivingusnotice,eitherinwriting,orbycallingCitiPhoneBanking,within14daysfrom(thelaterof)thedayafterthedateonwhich:

(a) weenterintoanagreementwithyoutoprovideyouwiththecreditfacility;

(b) weinformyouofanyrelevantcreditlimit;or

(c) youreceiveacopyofyourcreditagreement.

Youmustreturnanysumowed,includinginterestdue,assoonaspossiblebutnolaterthan30daysafteryouwithdrewfromyourfacility.Youwillnotincuranyfees.

2.4 IfyoucancelyourAccount,andyouhaveacreditfacilitywithus,yourAccountwillnotbeclosed,andthetermsofyourAgreementwithusshallcontinuetoapply,untilallamountsdueunderyouragreementforthatfacilityhavebeenpaidtoCiti.

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3. Definitions

3.1 CertainwordshavespecificmeaningsthroughouttheseGeneralTermsandConditionsand,whereapplicable,theAccountSpecificTermsandConditions.Someofthesewordsandtheirmeaningsarelistedbelow:

“Account”meansacurrentaccountorsavingsaccount(includingaTimeDepositaccount)withCiti;

“Account Holder”meanstheclientorclientsinwhosenametheAccountisheld;

“Account Specific Terms and Conditions”meanstheparticularadditionaltermsandconditionsthatapplytoaparticularAccount;

“Applicable Law”meansthelaworregulationofanyjurisdiction,domesticorforeign,oranyagreemententeredintowithorbetweenAuthorities;

“Authority”meansanycompetentregulatory,prosecuting,taxorgovernmentalauthorityinanyjurisdiction,domesticorforeign;

“Available Balance”meansthebalanceonyourAccountwhichcanbewithdrawnbyyouincludingclearedamountsandanyavailableoverdraftfacilityagreedbyCiti.Itexcludesanyauthorisedamountsduetoretailersforgoodsorservices;

“Banking Day”meansadayotherthanaSaturday,aSundayorabankholidayinEnglandandWales;

“Bank Giro Credit Slip”meansapaying-inslipfoundinyourpaying-inbookthatyouusetomakeacashdepositforyourAccount;

“Card”meanstheplasticcardCitigivesyoutouseinconnectionwithyourAccounts(detailsofhowyoucanusethiscardaresetoutintheUserGuideandonourwebsite);

“Card Scheme”meansthepaymentnetworkthatfacilitatestheprocessingofyourcardpayments,e.g.VisaorMasterCard.YourCardSchememaybeidentifiedthroughthelogodisplayedonyourCitiDebitCard;

“Citi ATM Card”meansaCardthatenablesyoutoaccessandserviceyourAccountandcanbeusedtowithdrawfundsfromanAutomatedTellerMachine(ATM);

“Citi Card”meansaCardthatenablesyoutoaccessandserviceyourAccount;

“Citi Debit Card”meansaCardthatenablesyoutoaccessandserviceyourAccount,withdrawfundsfromanATMandcanalsobeusedtoauthorisepaymentsforgoodsorservicestobedebitedfromyourcurrentaccount;

“Citi Online”meansCiti’sonlinebankingservice;

“Citi Online User ID and Password”meansthePaymentInstrumentsrequiredforCitiOnline;

“Citigold Relationship”meansclientswhohaveaCitigoldCurrentAccountorwhowehavedesignatedashavingaCitigoldrelationship;

“CitiPhone Banking”meansCiti’stelephonebankingservice;

“Credit Facility Terms and Conditions”meanstheseparatesetoftermsandconditionswhichapplybetweenyouandusintheeventthatweprovideloansorcreditservicestoyou;

“EEA”meanstheEuropeanEconomicArea;

“EEA Currency”meansthecurrencyofanycountrythatisamemberoftheEuropeanEconomicArea;

“Group Companies”meansCitigroupInc.anditsgroupofcompanies,includingCitibankEuropeplc;

“Joint Account”meansanAccountheldinthenamesoftwoormoreAccountHolders;

“Joint Account Holders”meanstheAccountHoldersinwhosenamesaJointAccountisheld;

“Payment Instrument”meanssomethingthatisuniquetoyouandwhichyoucanusetomaketransactionsonyourAccountandtogiveusinstructions.ThisincludesaCardorotherphysicaldevice,asetofprocedures(suchasaPIN,password,securitykeyorbiometricdata)oracombinationoftwoormoreofthese(suchasaCardusedwithaPIN);

“PIN”meansapersonalidentificationnumber;

“Power of Attorney”meanstheauthorityyougranttosomeone(knownasyour“attorney”)tooperateyourAccountasifheorshewereyou;

“Rates and Charges Information”meansaleaflet,availableuponrequest,whichsetsouttheinterestratesandchargesapplicablefromtimetotimetoCitiaccountsasfurtherdescribedinCondition17.7;

“Regulator”meansanorganisationthatsupervisesfinancialinstitutions,includingtheCentralBankofIreland(CBI),theFinancialConductAuthority(FCA),thePaymentSystemsRegulator(PSR)andtheInformationCommissioner’sOffice;

“Security Details”meanstheinformationthatweholdthatallowsustoidentifyyou;

“TPP”meansathirdpartypaymentproviderwhichisallowed(eitherbecausetheyareauthorisedbytheFinancialConductAuthority(FCA)oranotherEuropeanRegulatororbecauseyouhaveallowedthem)toaccessinformationandinitiatepaymentordersonpaymentaccountsoperatedbyotherproviders(suchasusandotherbanks,buildingsocietiesandcreditcardissuers);

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“User Guide”meanstheinformationweprovidetoyouaspartofyourwelcomedocumentationuponopeningyourAccountthatexplains,amongstotherthings,howtouseanyPaymentInstrumentsweprovideyouwithandwhichyoumustfollowwhenusingyourAccount;

“US person”means:

• acitizenorresidentoftheUnitedStates;

• adomesticpartnershiporganisedunderthelawsoftheUnitedStates;

• adomesticcorporationorganisedunderthelawsoftheUnitedStates;

• anyestateotherthanaforeignestate;

• anytrustif:

– acourtwithintheUnitedStatesisabletoexerciseprimarysupervisionovertheadministrationofthetrust;and

– oneormoreUnitedStatespersonshavetheauthoritytocontrolallsubstantialdecisionsofthetrust;

• anyotherpersonthatisnotaforeignperson;and

“Withholding Tax”meansanamountfororonaccountof,orwhichrepresents,incometax,valueaddedtax,taxonthesaleordispositionofanyproperty,duties,oranyotherlawfullycollectedamount.

SomeothertermsthatweuseinthisAgreementareexplainedwhereweusethem.

3.2 IfyouhaveaJointAccount,“you”mayrefertoeitherorbothofyouunlessweexpresslysayotherwise.

4. Your contact details

4.1 TheaddressgivenonyourAccountapplicationformmustbeyourmainresidenceandwillbetheregisteredaddressfortheAccount.ForJointAccountswherethemainresidenceforeachAccountHolderdiffers,CitiwilltreattheaddressoftheJointAccountHoldernamedfirstonstatementsastheregisteredaddressfortheAccount.

4.2 CitimaysendyouanynoticeorothercommunicationeithertothelastregisteredaddressCitihasinconnectionwithyourAccount,byasecureelectronicmessageifyouuseCitiOnlineoremailaddressyouhaveregisteredwithus.WemayalsocontactyoubytelephoneorbyelectronicmeanssuchasSMSorpushnotificationsontheCitiMobile®UKapp.

4.3 Ifwethinkyouraccountisatriskfromfraudorasecuritythreat,we’llcontactyouusingoneofthemethodssetoutinCondition4.2totellyouwhatyouneedtodotohelpdealwiththatrisk.

4.4 IfyouoranyJointAccountHolderchangename,address,telephonenumberorothercontactdetailsrelatingtoyouorifyouknowanydetailsweholdaboutyouareincorrectyoumustinformus.Wemayrequestproofofsuchchanges.Ifyoudonottelluspromptlyaboutanychangetoyourcontactdetails,thesecurityofyourinformationmaybeatriskandyoumaynotreceiveimportantinformationfromus,includingnoticesaboutchangestothisAgreement.

4.5 Changesofaddresstoanothercountry,exceptBritishForcesPostOfficeaddresses,mayresultinterminationofthisAgreementandclosureofyourAccounts.

5. Your instructions to us

5.1 Wemayacceptinstructionsfromyouoranyperson(s)appointedtoactonyourbehalf.

5.2 Yourinstructionsmustbeclearandaccurate.Iftheyarenot,wewillnotbeliableifyourinstructionsarerejectedorperformedincorrectlyexceptassetoutinthisAgreement.

5.3 Beforeweactonaninstruction,wewillcarryoutchecksdesignedtoensurethatwebelievetheinstructionhascomefromyouandisclear.Wewilltreataninstructionasbeingmadebyyouif:

(a) itisinwritingandhasasignaturethatwereasonablybelievetobeyours;

(b) actingreasonably,wearesatisfiedthatyouarewhoyousayyouare(forexamplebyverifyingSecurityDetailsorbyprovidingadditionalidentificationdocuments);or

(c) ithasbeenmadeusingaPaymentInstrumentthatwehavegivenyouoragreedwithyou.

Youmustcomplywiththesecurityprocedureswetellyouaboutfromtimetotime.

5.4 WemayactonyourinstructionsevenwherecarryingouttheseinstructionscreatesorincreasesadebtonyourAccount.

5.5 Wemayrefusetoactonyourinstructions(includingthoseinrespectofwithdrawals,payments,transfers,andreceipts)if:

(a) wereasonablysuspectfraudulentorothercriminalactivity;orwereasonablybelievethatbycarryingouttheinstructionwe(oranyofourGroupCompaniesorourortheirthirdpartyserviceproviders)mightbreakanApplicableLaworanothercode,orotherdutythatappliestousorthem;

(b) itisinrelationtoservicesnotofferedbyyourparticularAccount;ortherequirementsinConditions5.2and5.3abovehavenotbeenmet;

(c) Condition7.3applies;or

(d) youaskustomakeapaymenttoanaccountthatdoesnotacceptpaymentsusingthepaymentsystemsweuseforsuchtransactions(forexamplewecanrefusetomakeapaymenttoanaccountintheUKthatdoesnotacceptpaymentsthroughtheFasterPaymentsServiceorthroughCHAPS).

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5.6 UnlesswearenotpermittedtodosobyanApplicableLaw,wewillnotifyyouassoonaspossibletotellyouthatwewillnotcarryoutaninstructionunderCondition5.5(wemaydothisthrougharetailerorviaanautomaticmessage,forexampleonanATMscreen).Whereyourinstructioninvolvesmakingapayment,wewilldothisattheearliestopportunityandinanyeventnolaterthantheendoftheBankingDayafterwehavereceivedyourinstruction.Wherereasonablypracticable,wewillalsotellyouwhywewillnotprocesstheinstructionand/orwhatyoucandotocorrectanyerrorsthatcausedtherefusal.Youcanalsocontactustofindoutwhyaninstructionhasbeenrefused.

5.7 WewillnotbeliabletoyouforanylossordamagesufferedbyyouresultinginanywayfromarefusaltoactoninstructionsunderCondition5.5.

5.8 Youareresponsibleforcancellinganyinstructionsandareresponsibleforexecutedtransactionsresultingfromanysuchinstructionwhichyoufailtocancelinsufficienttime.

5.9 Anyinstructionsyougiveustomakeapaymentwillnormallybeprocessedonthedaywereceivethemunlessyouaskustoprocessthemonafuturedate,thentheywillbeprocessedonthatdate(oronthenextBankingDayifthedateyouspecifyisnotaBankingDay).Anyinstructionsyougiveusafterthecut-offtimeonaparticularBankingDaywillbe“received”byusonthenextBankingDay.Differentcut-offtimesapplytodifferentmethodsofgivingusinstructions.Wewilltellyouwhatthecut-offtimesarefortelephoneandelectronicinstructionsinyourUserGuideandinourRatesandChargesInformation.IfyouhaveaCitigoldRelationship,youcanaskinbranchforthecut-offtimethatappliestothatbranch.Ifweprovideadditionalserviceswhichallowinstructionstobegivenbyothermeanswewilltellyoutherelevantcut-offtimesforthoseinstructions.

6. Third Party Providers

6.1 YoucaninstructaTPPtoaccessinformationonyouraccountswithusorinstructustomakepaymentsfromyouraccountswithusaslongasithasidentifieditselftousandactedinaccordancewiththerelevantregulatoryrequirements.WewilltreatanyinstructionfromaTPPasifitwasfromyou.

6.2 Ifyouwishtorevokeanon-goingconsentgrantedtoaTPPtoaccessyouraccount,youshouldinstructthatTPPdirectlytocancelyourconsent.

6.3 IfyouhaveaJointAccount,eachofyouisentitledtoconsenttoaTPPaccessinginformationinrespectofyouraccountand/orinstructingustomakepaymentsfromyouraccount,andeitherofyoucanrevokeanyon-goingconsentgrantedtoaTPPtoaccessyouraccountinaccordancewithCondition6.2.

6.4 YoumustcheckthatthethirdpartyisauthorisedbytheFCAorbyanotherEuropeanRegulator(thisshouldbeobviousfromtheirwebsiteorapp).Ifyougiveyoursecuritydetailstoathirdpartythatisn’tauthorised,we’llhavetoassumeit’syouthat’sauthorisingustogiveaccesstoinformationaboutyouraccountsandyou’llberesponsibleforanypaymentsmadeasaresult.

6.5 IfyouaskaTPPtoinstructustomakeapaymentandtheydon’t,wewon’tberesponsibleforyourpaymentnotbeingmade.

6.6 WemayrefusetoallowaTPPtoaccessyouraccountwhereweareconcernedaboutunauthorisedorfraudulentaccessbyorthroughthatTPP.Beforedoingso,wewilltellyouthatweintendtodenyaccessandgiveourreasonsfordoingso,unlessitisnotreasonablypracticable,inwhichcasewewilltellyouimmediatelyafterwards.Ineithercase,wewilltellyouusingoneofthemethodssetoutinCondition4.2.Wewon’ttellyouwheredoingsowouldcompromiseourreasonablesecuritymeasuresorotherwisebeunlawful.IfwedenyaccesstoaTPP,wemustalsotellourregulatorthatwehavedoneso.

7. Joint Accounts

7.1 YoushouldonlyopenaJointAccountifyouandtheotherJointAccountHolder(s)understandthecommitmentsyouareenteringinto.EachJointAccountHolderwillbejointlyandseverallyliabletorepayanyamountsowingtoCitiinrespectoftheAccount.ThismeansthateachJointAccountHolderisseparatelyresponsible,andtogetheryouarejointlyresponsible,forallandanyamountsowingontheJointAccount.ThisisthecaseevenifonlyoneofyouhasputmoneyintotheAccountorifonlyoneofyouhastakenmoneyoutoftheAccount.EachJointAccountHoldercanwithdrawallthefundswithoutreferencetotheother.

7.2 EachJointAccountHolderisallowedtooperatetheJointAccountandtoopenanewJointAccountinthesamenamesontheirown.

7.3 WemaysuspendorwithholdpaymentsorblockaJointAccountorinsistthatallinstructionsareapprovedbyalltheJointAccountHolderswhereverthereisorreasonablyappearstoustobeaconflictbetweeninstructionsfromJointAccountHoldersuntilsuchtimeaswearesatisfied,actingreasonably,thatsuchconflicthasbeenresolved.WhileanAccountisblockeditmeansthatanypayments,transfersorwithdrawalswillbesuspended.

7.4 ThecreditbalanceontheJointAccountbelongstotheJointAccountHolders.IfaJointAccountHolderdies,thebalancewillpassautomaticallytothesurvivingJointAccountHolder(s)andtheAccountcancontinuetobeoperatedbythesurvivingJointAccountHolder(s).

7.5 IntheeventnoticeisreceivedtocloseaJointAccount,wemaycontactallJointAccountHoldersconfirmingtheinstructionstoclosetheJointAccountbeforeclosingtheAccount.

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8. Power of Attorney

8.1 WhereyougrantsomeonePowerofAttorneyoveranyofyourAccountsyoumustprovideuswithcertaininformationbycompletinga“PowerofAttorneyForm”toenableustograntthemaccesstoyourAccount.Afterreceivingthecompletedformtogetherwithallrequireddocuments,wewillsetupaPowerofAttorneyonyourAccountwithin10BankingDays.

8.2 YoumustonlygrantPowerofAttorneytooneperson.WeareunabletoactoninstructionsgivenunderaPowerofAttorneywherethepowerisgrantedtomorethanoneattorneyonasingleAccount.

8.3 OncewehavesetupthePowerofAttorney,wewillwritetobothyouandyourattorneyandalsosendyourattorneyaCitiCardforthemtouseinrelationtoyourAccount.Yourattorneymaytheninstructus:

(a) inwriting;

(b) byCitiPhoneBanking;and

(c) usingCitiOnline.

8.4 ItmaybepossibletousetheCitiCardprovidedtomakeATMtransactionsiftheCardiscapableofbeingusedinthatmanner.DetailswillbeprovidedintheUserGuideprovidedtotheattorney.

8.5 WewillnotprovidetheattorneywithBankGiroCreditSlipshoweveranattorneywillbeabletousethoseoftheAccountHolder.

9. Dormant and Lost Accounts

9.1 IftherehavebeennotransactionsonyourAccountorAccountsotherthantransactionsinitiatedbyus,andwehavenotheardfromyou,foraperiodof360days,wewillwritetoyouatyourregisteredaddress.IfyourespondindicatingyouwishyourAccountorAccountstoremainopen,wewillcontinuetotreatyourAccountorAccountsasopen.

9.2 Ifwereceivenoreplytotheenquiryafteraperiodof90days,orhavinghadpreviouscorrespondencereturnedasundeliveredatyourlastknownregisteredaddress,wewillclassifyyourAccountorAccountsasdormantandwillblockalldepositsandwithdrawalsand,inordertoprotectyourprivacy,willstopsendingyouinformationrelatingtoyourAccount.

9.3 IfwehaveclassifiedyourAccountorAccountsasdormant,anyfundsremainingintheAccountorAccountswillalwaysremainyourproperty(orifyoudieitwillformpartofyourestateunlesstheAccount(orAccounts)isaJointAccount,inwhichcaseitwillpasstothesurvivingAccountHolder(s)).InterestwillcontinuetobepaidwhereitappliestoyourAccount.YoucancontactusatanytimeinrelationtoanyfundsinadormantAccountyoubelievetobeyoursandwewillreinstateyourAccountorAccounts(subjecttoconfirmingyouridentityandentitlementtothefunds).

9.4 Ifyouaretryingtotracealostaccount,youwillneedtoobtainalostaccountschemeleafletandclaimformfromwww.bba.org.ukorwritetoBBALostAccountScheme,PinnersHall,105-108OldBroadStreet,LondonEC2N1EX.Alternatively,searchescanbemadeonlineviawww.mylostaccount.org.uk.

10. Paying money into your Account

10.1 YoumaypayintoyourAccountcashandallotherpaymentsdirectlypayabletoyou.YoucannotmakeanydepositstoyourAccountataCitibranchoutsidetheUK.

10.2 Youmustnotsendcashthroughthepost.Allchequesandotherpaymentssentthroughthepostmustbecrossedandmarked“AccountPayee”andmustbemadepayabletoyou.

10.3 Wemay,actingreasonably,acceptachequeorotherpaymentpayabletoathirdpartyprovided:

(a)itisdrawninamanneracceptabletous,hasbeenendorsedbyallnecessaryparties,andisnotpayabletoabusinessorlimitedcompany;

(b)“AccountPayee”or“NonTransferable”doesnotappearonit;

(c) itisnotdrawninfavourofthepayee“only”;and

(d)youtellusinwritingthecircumstancesinwhichitwasendorsedandgiveusanyotherrequestedinformation.

10.4 PaymentsmadeintoyourAccountwillbeaddedtoyourbalanceasfollows:

(a) Cash

(i) IfyouhaveaCitigoldRelationship,youcandepositcashinSterling;Euros;Australian,Canadian,Singapore,HongKong,NewZealandorUSDollars;Danish,NorwegianorSwedishKrona;JapaneseYen;SouthAfricanRand;orSwissFrancsoverthecounterataUKbranchofCitiduringaBankingDay.YourAccountwillimmediatelybecreditedbytheamountofcashlodged.IfyoudepositcashoverthecounterinacurrencyotherthaninthecurrencyofyourAccountitwillconvertedbyusintothecurrencyoftheAccountinaccordancewithCondition21.5;

(ii) ifyoudepositcashinSterling;Euros;Australian,Canadian,Singapore,HongKong,NewZealandorUSDollars;Danish,NorwegianorSwedishKrona;JapaneseYen;SouthAfricanRand;orSwissFrancsonaBankingDaybefore3:30pmataCitiATMintheUK,themoneywillbeprocessedandcreditedtoyourAccountonthe

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sameBankingDay.IfdepositedataCitiATMintheUKonaBankingDayafter3:30pmoronadaywhichis notaBankingDay,themoneywillbeprocessedandcreditedtoyourAccountonthenextBankingDay;

(iii) ifyouvisitanyLloydsbranchanduseoneofyourBankGiroCreditSlipstomakeaSterlingcashdepositforyourAccount,LloydswillhavetoforwardthefundstousanditwilltaketwoBankingDaysforustoreceivethefunds.ThefundswillbecreditedtoyourAccountassoonaswereceivethem;and

(iv) cashdepositsareavailableforyoutouse,andwestartpayinginterestonthem(ifinterestispayable),assoonastheyarecreditedtoyourAccount.

(b) Cheques

(i) IfachequeisinSterling,drawnonaUKclearingbankandthechequeisdepositedbefore3:30pmviaaCitiATMintheUKorifyouhaveaCitigoldRelationship,overthecounterataUKbranchofCiti:

(1) youwillstarttoreceiveinterest(ifinterestispayable)onthemoneyonthesameBankingDay;

(2) thefundsareavailableforyoutouseafterfourwholeBankingDaysafterdeposit;and

(3) (subjecttoCondition10.4(b)(vi))thefundsareclearedandcannotbereclaimedbyusfromtheseventhBankingDayafterdeposit;

(ii) forSterlingchequesreceivedafter3:30pmanextradaywillbeaddedtoeachtimeperiodinthetimescaleinCondition10.4(b)(i)(1)to(i)(3)inclusive;

(iii) forSterlingchequessenttousbypost,thetimescalesunderCondition10.4(b)(i)abovewillapplyfromtheBankingDaythatwereceiveyourcheque;

(iv) youcanvisitanyLloydsbranchanduseoneofyourBankGiroCreditSlipstomakeaSterlingchequedepositintoyourAccount.SterlingchequesdepositedatLloydsbrancheswillstarttoearninteresttwoBankingDaysafterdeposit.FundswillbeavailableforwithdrawalafterfourwholeBankingDaysafterdepositand(subjecttoCondition10.4(b)(vi))willbeclearedandcannotbereclaimedbyusfromtheseventhBankingDayafterdeposit;

(v) ifatanytimebeforethefundsclearachequewhichispaidintotheAccountisreturnedunpaidbytheissuingbank,theamountwillbedeductedfromyourAccount,evenifthiscausesyoutogooverdrawn(orfurtheroverdrawn);

(vi) ifatanytimeachequewhichispaidintoyourAccountisreturnedunpaidforreasonsrelatedtofraud,theamountofthechequewillbedeductedfromyourAccount,evenifthiscausesyoutogooverdrawn(orfurtheroverdrawn);

(vii) forforeigncurrencychequestheclearancetimewillbelongerthanforSterlingcheques.Wewillgiveyoudetailsofclearancetimesforforeigncurrencychequesonrequest;and

(viii) wemay,withoutpriornotice,reverseamountscreditedtotheAccountwherechequesorothernegotiableinstrumentspreviouslycreditedtotheAccountarereturnedunpaidbeforethefundsareclearedinaccordancewithCondition10.4(b)(i)evenifthiscausesyoutogooverdrawn(orfurtheroverdrawn).

(c) Other payments

DepositsmadeintotheAccountfrom:StandingOrders,transfersthroughCitiATMsandexternaltransfersorthroughCitiPhoneBankingwillbeaddedtoyourAccountwhenwereceiveclearedfunds.ThefundsareavailableforyoutouseassoonasweaddthemtoyourAccountandwepayinterestonthem(ifinterestispayable)fromtheBankingDayonwhichtheyarecreditedtoyourAccount.

10.5 Wemay,ifrequestedbythebankofsomeonetryingtomakeapaymenttoyouthathasexecutedthatpaymentlate,creditittoyouraccountasifwereceiveditonthecorrectday.

10.6 Ifwearetold(forexample,byanotherbank)thatapaymenthasbeenmadeintoyourAccountbymistake,wemayprovideinformationaboutthetransactiontothepayingparty’s(thesender’s)bankifrequestedtoenablethemtotracethepayment.WecanalsodeductanamountuptothevalueofthemistakenpaymentfromyourAccountprovidedwereasonablybelievethatthepaymenthasbeenpaidintoyourAccountbymistake.Wewillgiveyouwrittennoticethatwehavedonethis.

IfyoudonotagreethatthepaymenthasbeenmadeintoyourAccountbymistakeyoumustcontactuswithinthetimeperiodsetoutinthenotice.Ifyoudonotagreetoreturnthepaymentwemayprovidethesender’sbankwithyourdetailsifrequestedsothatthesendermaycontactyoudirectly.Ifyoudonotcontactuswithinthetimeperiodsetoutinthenotice,wewillreturnthepaymenttothepersonwhomadeitevenifthiscausesyoutogooverdrawn(orfurtheroverdrawn)wherewehavearrangedforyoutohaveanoverdraft.Ifthismeansthatyouwouldexceedyouroverdraftlimitor,ifyoudonothaveanoverdraft,youdonothaveavailablefundsforustomakethispaymentinfull,wewilldeductanamountequaltothefundsthatareavailabletoenableustomakeapartialreturnpayment.IfthepaymentwasreceivedintoyourAccountmorethantwomonthsbeforeweweretoldaboutthemistakewewillalwaysseekyourspecificagreementbeforewereturnthepayment.WewillactreasonablywhenexercisingourrightsunderthisCondition10.6.

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11. Payments out of your Account

11.1 IfyouhavesufficientAvailableBalanceinyourAccount,youmaymakepayments(includingcashwithdrawals,fundtransfersandDirectDebitsorotherregularpayments)fromyourAccount.PaymentsoutofyourAccountaresubjecttodailylimitsandtotheAccountSpecificTermsandConditions.Ifyouaskustomakeapaymenttoanotheraccountyoumustgiveusanyinformationweaskforthatweneedinordertoidentifytherecipient.Thatinformationcouldincludetheaccountnumberandsortcodefortheaccount(forpaymentsintheUK)andtheInternationalBankAccountNumber(IBAN).Itisimportantthattheinformationyougiveusisaccurate.Ifyouprovideuswiththewrongdetailswemaynotbeabletoprocessyourpaymentinstruction.Wewillnotbeliableforanylossordelaythiscauses.

11.2 WemayapplyfinancialandotherlimitstopaymentsmadeusingaPaymentInstrument.WewilltellyouwhattheselimitsareandmaychangethembygivingyounoticeinaccordancewithCondition30,unlesswereasonablysuspectfraudulentorothercriminalactivity,inwhichcasewecanchangeourlimitsatanypointwithoutpriornotification.

11.3 IfyoumakewithdrawalsorpaymentsfromyourAccountusingaCitiCard,wewilldeducttheamountfromyourAvailableBalancewhenwereceiveyourwithdrawalorpaymentinstruction.Itmay,however,takeuptothreeBankingDaysfortheamounttobedeductedfromyourAccount.ForwithdrawalsmadeoutsidetheUKthismaytakelonger.

11.4 IfyouaskustomakeapaymentinSterling(apartfromcertainregularpaymentssuchasDirectDebits)toapersonwithanaccountatabankintheUKwewilluse:

(a) theFasterPaymentsServiceifthepaymentisfor£250,000orless;or

(b) CHAPSifthepaymentisformorethan£250,000.

11.5 WhenyoumakepaymentsinanEEACurrencytoanotherpersonintheEEA,wewillmakesurethatthepaymentreachesthatotherperson’sbanknolaterthan:

(a) oneBankingDayafterwereceivedtheinstructionprovidedthepaymentis(i)inSterlingorEurosandtoanaccountwithabankintheUK;or(ii)inEurostoabankinanothercountrywithintheEEA;and

(b) fourBankingDaysafterwereceivedtheinstructioninallothercases.

Ifthepaymentorderunder(a)isgiventousonpaper,thetransfermaytakeanextraBankingDay.

11.6 IfyoumakepaymentstoanaccountatabankthatisnotintheEEAorinacurrencythatisnotanEEACurrency,wewilltellyouwhentheotherbankshouldreceivethefunds.Thisdoesnotmeanthatthefundswillbecreditedtotheotherperson’saccountonthatdayasthiswilldependonthebankconcerned.

11.7 Weassumenoresponsibilityorliabilityforthevaluegiventofundsbyarecipient’sbankprovidedthatwedebitedthecorrectAccountandexecutedthepaymentcorrectly.

11.8 Youmustnotdrawagainst,andwewillnotbeobligedtomakepaymentagainst,apaymentwhichhasnotbeencleared.Specialrulesapplytousingfundspaidinbycheque(seeCondition10).

11.9 Wemay,atourdiscretion,requestyoutoundertakeadditionalsecurityprocedureswhenyoutrytomakeapaymentorwithdrawaliftheamountexceedsanylimitthatwesetforsecuritypurposes.

11.10 Wemay,atourdiscretion,askyoutoattendaspecificbranchofCitiifyouwishtomakealargecashwithdrawal.

11.11 Youmaywithdrawcashoverthecounteratotherbanks;theymaychargeyouforsuchaservice.

11.12 Ifwearelateinexecutingapaymentthatyouinstructustomakeyoumayaskustocontacttherecipient’sbankandaskthemtocredititasifithadbeenreceivedonthecorrectday.

12. Changing or cancelling payment instructions

12.1 Thepositionforchangingorcancellingpaymentinstructionsisasfollows:

(a) Immediatepayments:wecannotchangeorcancelapaymentinstructiongiventhroughCitiPhoneBankingorelectronicallybecausewestartprocessingitwhenwereceiveit.WecannotcancelapaymentmadeusingaCitiCardonceyouhavegivenyourconsenttomakethepaymenttoathirdparty.Thiscanonlybedonewiththeconsentofthethirdparty.

(b) Futurepayments(includingpaymentsbyStandingOrderandDirectDebit):youcaninstructustocanceltheseonorbeforethelastBankingDaybeforethedateonwhichthepaymentwasduetobemade.WhereyouhaveinstructedustomakefuturepaymentsusingyourCitiDebitCardyoushouldcontactthethirdpartytowhomyougaveyourCitiDebitCarddetailstoletthemknowthatyouhavecancelledthepayment.

13. Refunds

Incertaincasesyoumaybeentitledtoaskusforarefundwhereatransactionhasnotbeencorrectlyexecuted.Thesearesetoutbelow:

13.1 Refunds for certain EEA payments

(a) IfyouaskustomakeapaymenttoanaccountatanotherbankintheEEAandthatbanksaysitdidnotreceivethepayment,wewillrefundtheamountofthepaymentandreturnyourAccounttothepositionitwouldhavebeeninifthepaymenthadnotbeenmade,exceptinthefollowingcases:

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(i) therewasamistakeinanyofthedetailscontainedintheinstructionyougaveusthatareneededtoidentifytherecipient.Ifthisisthecase,wewillmakereasonableeffortstorecoverthefunds,andwillchargeyouareasonableamounttocoverourcostsindoingso.Wewilltellyoutheamountoftheadditionalchargebeforewetaketheaction;or

(ii) wecanshowthatthepaymentwasreceivedbytheotherperson’sbank.Inthiscase,thatbankisrequiredbylawtomakethepaymentimmediatelytothatperson.

(b) Wherethepaymentwasinitiatedbyathirdparty(forexampleifyouhavegivenyourCitiDebitCarddetailstoathirdpartyintheEEAinordertomakeapayment),youcanaskustorefundapaymentifthefollowingconditionsaresatisfied:

(i) theauthorisationyougavedidnotspecifytheexactamounttobepaid;

(ii) theamountthathasbeenrequestedwasmorethanyoucouldreasonablyhaveexpectedtopay,basedonthecircumstances,includingyourpreviousspendingpatterns;and

(iii) youmaketherefundrequestwithineightweeksofthedatewhenthepaymentwasmadefromyourAccount.

(c) IfyouaskustomakearefundunderCondition13.1(b)wemayaskyoutoprovideuswithadditionalinformationifthatinformationisreasonablynecessarytodeterminewhetheryouareentitledtoarefund.Youmayalsofindithelpfultocontactthepersontowhomthepaymentwasmade.Wewilleitherrefundyouthepaymentwithin10BankingDaysofreceivingyourrequest,orofreceivinganyfurtherinformationwehaverequested,orwewillinformyouofourreasonsforrefusingtherefund.

13.2 Other refunds

(a) IfyouhavesetupDirectDebitsonyourAccount,youmaybeabletoclaimrefundsundertheDirectDebitGuarantee(setoutontheDirectDebitform).

(b) IfyouaskustomakeapaymenttoanaccountatabankoutsidetheEEAandthepaymentisnotreceivedbythatbankbecauseofanerrorbyus,wewillrefundtheamountofthepaymentandreturnyourAccounttothepositionitwouldhavebeeninifthepaymenthadnotbeenmade.

13.3 General conditions for refunds

(a) Youmustnotifyusassoonasyouareawarethatatransactionmayhavebeenincorrectlyexecuted.

(b) Youmustprovideuswithanyinformationaboutthetransactionthatwereasonablyrequest,sothatwecaninvestigateandifnecessarytracethefunds.

14. Cheques

14.1 NochequebookisavailablewithanyAccount.

14.2 Chequesissuedpriorto19May2017:

(a) chequesdatedpriorto19May2017arevalidforsixmonthsfromthechequedate;and

(b) anychequesdatedonorafter19May2017willnotbeacceptedandthechequewillbereturnedunpaid.

14.3 ForpaymentsintoyourAccountbychequesfromotherinstitutionsseeCondition10.4(b).

15. Standing Orders/Direct Debits

TheuseofDirectDebitsorStandingOrdersinconnectionwithanAccountispermittedunlesstheAccountSpecificTermsandConditionsstateotherwise.YoumustallowusfiveBankingDaysfromthedatewereceiveyourinstructionstosetupanewDirectDebitorStandingOrderfromyourAccount.

16. Overdrafts

16.1 Anoverdraftmaybeavailableonrequestandwillbegrantedonlyifyousatisfyourcriteria.YouareresponsibleforcontactingusinadvancetoarrangeanoverdraftfacilityifyoubelievethatyourAccountislikelytobecomeoverdrawn.Individualtermsmaythenbeagreedbetweenusastothearrangedoverdraftlimitandduration.Anoverdraftagreedinadvanceisknownasanarrangedoverdraft.

16.2 Ifyoudonotcontactusinadvancebeforebecomingoverdrawn,orexceedingyourarrangedoverdraftlimit,wehavetheoptionofeitherrefusingtomakethepaymentorestablishinganunarrangedtemporaryoverdraft.Anunarrangedoverdraftwillusuallyincurhigherchargesthananarrangedoverdraft.

16.3 Alloverdrafts(whetherarrangedorunarranged)arerepayableondemand.

16.4 Unlesswehaveagreedotherwise,afeemaybeapplicableandinterestwillbechargedattheapplicablearrangedoverdraftrateontheoverdrawnbalanceontheAccountandchargedmonthly.Wewillgiveyouatleast14days’noticeofhowmuchinterestwewillchargeyou.

16.5 Wemay,atanytime,withdrawyourrighttooverdrawtheAccountand/orrequireyoutorepayorreducetheamountofyouroverdraft.

16.6 FulldetailsofcurrentchargesandinterestratesaresetoutintheRatesandChargesInformation.

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17. Fees and Charges

17.1 Wemaycharge,andyouwillbeliabletopay,anyfeesandchargesduefromtimetotimeasaresultoftheadministrationofyourAccount.ThesewillbedeductedfromthebalanceonyourAccount.AnyunpaidfeesorchargeswillbeadebtduefromyoutoCiti.

17.2 Detailsofourfeesandchargesfortheday-to-dayrunningofyourAccountwillbegivenatthetimeyouopenanAccount.Furthercopiesareavailableonrequest.

17.3 WemaydebityourAccountwithanyinterest,fees,chargesorothercosts,evenifthiscausesyoutogooverdrawn(orfurtheroverdrawn).

17.4 Wewilltellyouthefeesandchargesforanyotherserviceorproductbeforeweprovideyouwiththatserviceorproduct,andwhenyouask.

17.5 AnychangestofeesandchargeswillbenotifiedtoyouinaccordancewiththisAgreement.

17.6 Wemayreceiveremunerationandcommissionfrom,orsharechargeswith,otherGroupCompaniesorthirdpartiesinconnectionwithtransactionscarriedoutonyourbehalf.Detailsofsuchremunerationorsharingarrangementswillbemadeavailabletoyouonrequest.

17.7 LevelsoffeesandchargesareshownintheRatesandChargesInformation.Thisprovidesthefollowinginformation:

(a) currentaccountcharges;

(b) chargesforstandardaccountservices;

(c) arrangedoverdraftdebitinterestrates;

(d) arrangedoverdraftcharges;

(e) unarrangedoverdraftdebitinterestrates;

(f) unarrangedoverdraftcharges;and

(g) chargesforotherservicessuchascertainfundstransfersandtransactionsinvolvingforeigncurrency.

18. Statements

18.1 WewillmakeinformationaboutallamountsaddedtoortakenfromyourAccount(includingdetailsofanyinterestpayable,anychargesmadeandexchangeratesused)availabletoyouthroughCitiPhoneBankingand/orCitiOnline.Anysuchinformationweprovideyouwithorallywillalsobeavailableinwritingifyouaskus.

18.2 Additionally,wewillprovideyouwithinformationaboutallamountsaddedtoortakenfromyourAccount(includingdetailsofanyinterestpayable,anychargesmadeandexchangeratesused)onamonthlybasisinastatementinoneofthefollowingelectronicformsifyouareenrolledforE-Statements:

(a) byastatementtoviewthroughCitiOnline,inwhichcasewewillsendyouanemailtoadviseyouthatyourstatementisreadyforyoutoprintorsave;or

(b) byapasswordprotectedPDFstatementwhichwillbeemailedtoyou.

IfyouarenotenrolledforE-Statements,wewillprovidethestatementtoyouinpaperform.

18.3 AnyinformationwearerequiredtoprovidetoyouinaccordancewiththisCondition18canbeprovidedinBraille,largeprintoraudiouponrequest.

18.4 Youmustcarefullycheckalltransactioninformationandinformusassoonaspossibleifyoufindthatanyitemseemstobeinanywayincorrect.

18.5 IftheAccountisaJointAccount,wewillsendormakeavailablestatementstothefirst-namedJointAccountHolderonlyunlessthereisalegalreasonwehavetowritetoallAccountHolders.Forexample,wearerequiredtosendstatementsrelatingtoanoverdrafttoallAccountHoldersunlessyouhaveauthorisedusnottointheapplicationform.

18.6 Ifyouaskustoprovidecopystatementsatanytime,wewillchargeforthisinaccordancewithourRatesandChargesInformation.

19. Interest on credit balances

19.1 WhenyouopenanAccount,wewillgiveyouinformationontheinterestrateswhichapplytoyourAccount.YoucanfindoutaboutourcurrentinterestratesatanytimebycheckingourlatestRatesandChargesInformation,checkingourwebsite,orcallingCitiPhoneBanking.

19.2 UnlesswetellyouotherwiseinyourAccountSpecificTermsandConditions:

(a) interestwillbecalculateddailyontheclearedcreditbalance;

(b) interestonanyclearedcreditbalanceisappliedtotheAccountinarrears,andcompounded,monthlyonthedaywesendormakeavailableyourstatementtoyou(or,wherethisdoesnotfallonaBankingDay,thenextBankingDay)(the“interest payment date”).

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19.3 UnlessyourAccountisaTimeDepositaccount,aFixedRateBondoraRewardSaveraccount(inSterlingoraforeigncurrency),youcanchangeyourinterestpaymentdatebygivingusnoticeduringthecalendarmonthbeforethefirstmonthforwhichyouwouldlikeyournewinterestpaymentdatetochange,eitherinoneofourbranchesifyouhaveaCitigoldRelationship,orbyusingCitiPhoneBanking.Forexample,ifyourinterestpaymentdateisthe15thdayofthemonth,andyouwantedtochangeittothe2nddayofthemonthandthefirstmonthinwhichyouwantedthechangetotakeeffectwasJune,youwouldneedtoinstructustochangeyourinterestpaymentdatebytheendofMay.

20. Tax

20.1 UnlessCondition20.4applies,interestpaymentsarecalculatedgrossandpaidgross(withoutthedeductionofincometax).

20.2 TheamountoftaxyouneedtopayunderUKlawwilldependonyourindividualfinancialcircumstancesandmaychangeinfuture.IfyouhaveanyquestionsaboutyourtaxpositionasaresultofopeninganAccount,youshouldcontactyourindependenttaxadviserbeforeopeningtheAccount.

20.3 WhererequiredbyApplicableLaw,informationregardingyourAccountmaybereportedtotaxAuthoritiesintheUKorotherjurisdictions.

20.4 We,oranyofourGroupCompanies,orourortheirthirdpartyserviceproviders,maywithholdordeductanyWithholdingTaxfromanypaymenttoyou,ortoorfromanAccount,ifitisrequiredtobewithheldordeductedtocomplywithanyApplicableLaw.WewillpayanyWithholdingTaxtotherelevantAuthorityinatimelymanner.WewilltellyouaboutanyWithholdingTaxassoonasreasonablypracticable.Wewillnotreimburseyouforanyamountwithheldordeductedbyathirdpartythatformspartoftheglobalpaymentsysteminfrastructure.YouwillreimburseusifweoranyofourGroupCompaniesorourortheirthirdpartyserviceproviderspaysfromourortheirownfundsWithholdingTaxthatshouldhavebeen,butwasnot,withheldordeducted,plusanyinterestandpenaltiesonthatamount.WewillnotcontestanydemandmadebyanAuthorityforsuchpayment.

20.5 IMPORTANTTAXINFORMATION:IfyouareaUSpersonyoumustprovideuswithavalid,signedFormW-9.Ifyoudonotprovideuswithavalid,signedFormW-9within30daysfollowingourrequesttodoso,wemayterminatethisAgreementorcloseanAccountbygivingyounoticeinaccordancewithCondition26.1(b).

21. Foreign currency

21.1 IfyouuseaCitiDebitCardtomakepaymentsincurrenciesotherthanthecurrencyoftheAccount:

(a) theamountofthetransactionwillbeconvertedintoSterlingusingthereferenceexchangerateidentifiedinourRatesandChargesInformation(whichistheCardScheme’sexchangerateonthedateitprocessesthetransactionandapercentagecommissionwhichwesetontheamountofthepayment).Thisratemaynotbethesameastheratethatappliedonthedatethetransactionwasmade,ifthepaymentisprocessedbytheCardSchemeafterthatdate;and

(b) ifyourAccountisinacurrencyotherthanSterling,theSterlingamountwillthenbeconvertedbyusintothecurrencyoftheAccountusingthe“Citi UK”referenceexchangerateapplicableatthetime.YoucancontactCitiPhoneBankingforfulldetailsoftheactualratesusedtoconvertaforeigncurrencypayment(yourstatementsmaynotincludeafullbreakdownofthisinformation).

21.2 IfyouuseaCitiDebitCardorCitiATMCardtomakeATMwithdrawalsoutsideoftheUK(otherthanthroughaCiti-operatedATM)incurrenciesotherthanthecurrencyoftheAccount:

(a) theamountofthetransactionwillbeconvertedintoUSDollarsusingthereferenceexchangerateidentifiedinourRatesandChargesInformation(whichistheCardScheme’sexchangerateonthedateitprocessesthetransactionandapercentagecommissionwhichwesetontheamountofthepayment).Thisratemaynotbethesameastheratethatappliedonthedatethetransactionwasmade,ifthepaymentisprocessedbytheCardSchemeafterthatdate;and

(b) ifyourAccountisinacurrencyotherthanUSDollars,theUSDollaramountwillthenbeconvertedbyusintothecurrencyoftheAccountusingthe“Citi UK”referenceexchangerateapplicableatthetime.YoucancontactCitiPhoneBankingforfulldetailsoftheactualratesusedtoconvertaforeigncurrencypayment(yourstatementsmaynotincludeafullbreakdownofthisinformation).

21.3 IfyouuseaCitiDebitCardorCitiATMCardtomakewithdrawalsfromaCiti-operatedATMoutsideoftheUKincurrenciesotherthanthecurrencyoftheAccount,theamountofthetransactionwillbeconvertedbyusintoUSDollarsusingthe“Citi”referenceexchangerateonthedateweprocessthetransaction.IfyourAccountisinacurrencyotherthanUSDollars,wewillthenconverttheUSDollaramountintothecurrencyoftheAccountusingour“Citi UK”referenceexchangerateapplicableatthetime.YoucancontactCitiPhoneBankingforfulldetailsoftheactualratesusedtoconvertaforeigncurrencywithdrawalthroughaCiti-operatedATM(yourstatementsmaynotincludeafullbreakdownofthisinformation).

21.4 IfyouuseaCitiDebitCardorCitiATMCardtomakewithdrawalsthroughaCiti-operatedATMintheUKinacurrencyotherthanthecurrencyofyourAccount,theamountofthetransactionwillbeconvertedintoSterlingonthedatethatweprocessthetransaction.IfyourAccountisinacurrencyotherthanSterling,theSterlingamountwillthenbeconvertedbyusintothecurrencyoftheAccount.PleaserefertoourRatesandChargesInformationfordetailsofthereferenceexchangeratesthatweusefortheseconversions.

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21.5 IfyoumakeorreceiveanyotherpaymentinacurrencywhichisnotthecurrencyoftheAccountandwehavenotagreedaspecificconversionratewithyou,theamountofthepaymentwillbeconvertedbyusintothecurrencyoftheAccountatthe“Citi UK”referenceexchangerateatthetimeofthetransaction.

21.6 Youmaybeofferedachoiceofpaymentcurrencieswhenmakingpurchasesorwithdrawals.Ifyoudothis,thepaymentwillbechargedtoyourAccountinyourchosencurrency(andwewillonlyreceivedetailsoftheamountinthatcurrency).TheexchangeratesinthiscasearesetbymerchantsandATMoperatorsandnotbyCiti.PleasenotethatifyourchosencurrencyisdifferentfromthecurrencyofyourAccount,wewillconvertthisamountusingwhicheveroftheprocessessetoutinConditions21.1to21.5aboveappliestoyourparticularpaymentorwithdrawal.

21.7 Youcanfindoutaboutourexchangeratesatanytime(includingtheactualratesusedtoconvertanyforeigncurrencytransaction)bycallingCitiPhoneBankingonthenumbersetoutonyourmostrecentstatement.FeesandcommissionratesforforeigncurrencytransactionsaresetoutinourRatesandChargesInformation.

22. Payment Instruments

22.1 PaymentInstrumentscannotbeheldjointly.AseparatePaymentInstrumentwillbeissuedtoeachAccountHolderforJointAccounts.

22.2 WhereyouareprovidedwithaCitiDebitCardinrelationtoyourAccount,youmayuseittomakepurchasesfromretailersorsuppliersofserviceswhodisplaytheCardSchemelogo.

22.3 Wewillnotbeliableifanyretailer,supplierofservicesorcashmachinedoesnotacceptyourPaymentInstrument.

22.4 TherighttowithdrawcashissubjectnotonlytothelawsandregulationsoftheUKbutalsototheApplicableLawofthecountryinwhichthewithdrawalisrequested.

22.5 Youwillberesponsibleforanyfeeswhichanotherinstitutionmaychargeyoufortheuseoftheircashmachine.

22.6 YourPaymentInstrumentshouldnotbeusedforinternetgamblingtransactionsatanyinternetsiteregardlessoflocation.

22.7 WemaystoporsuspendtheuseofaPaymentInstrument,ifwereasonablyconsideritnecessary:

(i) toprotectthesecurityofthePaymentInstrument;or

(ii) becausewesuspectthattheremaybeunauthorisedorfraudulentuseofthePaymentInstrument;or

(iii) becausewereasonablybelievethatthereisasignificantlyincreasedriskthatyouwillbeunabletorepayyouroverdraft(ifyouhaveone).

22.8 IfwestoporsuspendtheuseofaPaymentInstrumentwehavegivenyou,suchasaCard,wemayrequireyoutoreturnittous.

22.9 UnlessApplicableLawpreventsusfromdoingso,wewillnotifyyouwhenwestoporsuspendaPaymentInstrument,andthereasonswearedoingso.Wherepossible,wewilldosobeforetakingthataction.YoucanalsocontactustofindoutwhywehavestoppedorsuspendedaPaymentInstrument.

23. Protecting your Account

23.1 YoumusttakereasonablecaretoensurethatyouandanyotherpersonwithauthorisedaccesstoyourAccountkeepallPaymentInstrumentssecure,andnotallowanyoneelsetousethem.

23.2 OnreceiptofaPINadviceslipyoumustmemoriseyourPINandthenimmediatelydestroyyourPINadviceslip.YoumustensurethatyourPINandotherSecurityDetailsarenotwrittendownorrecorded(forexampleonamobiletelephoneorotherelectronicdevice)inawaywhichcouldbeunderstoodorusedbysomeoneelse.Youmustfollowanysecurityproceduresweaskyoutowhenwegiveyou(oragreewithyou)aPaymentInstrument,suchassigningaCardassoonasitisreceived(ifithasasignaturestriponit).ACardmustonlybeusedbythepersonnamedonit.

23.3 YouandanyJointAccountHoldermustkeepanySecurityDetailssecretatalltimes.

23.4 YoumustcontactusassoonaspossibleviaCitiPhoneBankingafteryoufindoutorsuspectthatyourPaymentInstrumentislostorstolenorliabletomisuseorifyoususpectthatsomeoneelseknowsyourPIN,Accountpasswordsorothersecurityinformation,orifyoubelievetherehavebeenanyunauthorisedorincorrectlyexecutedtransactionsonyourAccount.Pleasecalluson0800005500(or+442075005500ifcallingfromabroad).IfyouareaCitigoldclientcalluson0800005600(or+442075005600ifcallingfromabroad).InsuchinstancesyoumustnotcontinuetousethePaymentInstrument.

23.5 WewillcancelyourPaymentInstrumentorblockyourAccountwhenyounotifyusoftheloss,theft,misappropriationorunauthoriseduse.

23.6 IntheeventthatyouloseyourPaymentInstrument,oritisstolenormisappropriated,youremainliableforanyuseofyourPaymentInstrument,andwearenotresponsibleforanyclaimforunauthorisedorincorrectlyexecutedtransactions,untilyouhavenotifiedusinaccordancewithCondition23.4.However:

(a) ifyouareaUKresident,youwillonlybeliableuptoamaximumof£35andifyouareanon-UKresidentyouwillonlybeliabletoamaximumof€50,fortransactionsbasedontheuseofthatPaymentInstrumentthatyoudidnotauthoriseyourself,regardlessofhowmanytransactionsthereareunless:

(i) itwouldnothavebeenreasonablypossibleforyoutodiscovertheloss,theftormisappropriationofyourPaymentInstrumentbeforethosetransactionsweremade;or

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(ii) weoroneofouragentsoremployees(orthoseofoursub-contractors)areresponsibleforthelossofyourPaymentInstrument,

inwhichcaseyouwillnotbeliableforanysuchamount;and

(b) unlessyouhaveactedfraudulently,youwillnotbeliableforanytransactionsonyourPaymentInstrumentoryourAccountbasedontheunauthoriseduseofthatPaymentInstrumentinthefollowingcases:

(i) wehavefailedatanytimetoprovidethemeansformakingthatnotification;

(ii) thePaymentInstrumenthasbeenusedtomakeapaymentremotely(forexample,onlineorbytelephone);or

(iii) wewererequiredtoauthenticateyoufortherelevanttransactions(s)inthewayrequiredbyApplicableLaw,butdidnot.

23.7 Itisimportantthatyouregularlycheckyourtransactionhistorytoensureanyunauthorisedorincorrectlyexecutedtransactionsareidentifiedandnotifiedtousattheearliestpossibleopportunity.

23.8 Yourremedyforanunauthorisedpaymentwilldependonwhetherornotyouraccountwasoverdrawnatthetimetheunauthorisedpaymentwastakenorifitwasincredit.Ifyouraccountwasincreditatthetimeoftheunauthorisedpaymentbutthepaymenttookitintooverdraft,eachelementofthepaymentwillbetreatedseparatelyforthesepurposes.

23.9 Inbothcases,ifyounotifyusthatapaymentwasnotauthorisedbyyou,wewillrefundtoyouraccounttheamountofthepaymentandanyfeesand/orinterestandchargesdirectlyincurredontheaccountasaresultofthepaymentorwhichwouldnothavebeenincurredorwouldhavebeenearnedontheaccounthadtheunauthorisedpaymentnotbeenmade.

23.10 Wewilldothis:

(a) ifyouraccountisoverdrawn,assoonaswearereasonablysatisfiedthatyouareentitledtotherefund;or

(b) ifyouraccountisincredit,bytheendofthenextBankingDayafterwebecomeawareoftheunauthorisedpayment.Beforewerefundyouraccount,weareentitledtocarryoutaninvestigationiftherearereasonablegroundsforustosuspectthatyouhaveactedfraudulently,orwecanshowthatyou’veacteddeliberatelyorhavebeenverycarelesswiththepersonalisedsecurityfeaturesofyourPaymentInstrumentoryourAccount.

23.11 Whereyoudisputeatransaction,wemayinvestigateyourclaimand,unlesswearereasonablysatisfiedthatyoudidauthorisethetransaction,wewillrefundtheamountofthepaymentandwhereapplicablerestoreyourAccounttothepositionitwouldhavebeeninhadthedisputedtransactionnottakenplace.Wewillconductanyinvestigationasquicklyaspossibleandmayaskyoutoreasonablyassistinthatinvestigation.Ifwerefundtheamountofthepaymenttoyouandfollowinganinvestigationwedeterminethatthecircumstancesin23.12or23.13apply,wewillreversetherefund.Wewillnotifyyoubeforewedothis.

23.12 Wewillnotrefundyouinanycircumstancesif:

(a) youauthorisedthetransaction;

(b) someoneelseusedyourPaymentInstrumentoryourAccountwithyouragreement;or

(c) youhaveactedfraudulently.

23.13 Exceptwhereyouraccountisinoverdraft,wewillalsonotrefundyouif:

(a) someoneelseusedyourPIN,Accountpasswordsorothersecurityinformationwithyouragreement;

(b) youhavedeliberatelyorverycarelesslyfailedtokeepthepersonalisedsecurityfeaturesofyourPaymentInstrumentoryourAccountsafe;or

(c) youfailedtotellusthetransactionwasunauthorisedwithin13monthsofthedateonwhichthetransactionoccurredoroughttohaveoccurred,unlesswehavefailedtomakeavailableinformationonthetransactionasrequiredbyApplicableLaw.

23.14 IfyourCitiCardexpires,orisreportedaslostorstolenorsubjecttomisuse,wemay(atourdiscretion)provideyouwithanewCitiCard.

23.15 Whereyouhaveactedfraudulentlyyouwillbeliableforalllossesincurred,includinganylosseswesuffer.

23.16 ExamplesofwhereyoumayhaveacteddeliberatelyorverycarelesslyfailedtokeepthepersonalisedsecurityfeaturesofyourPaymentInstrumentoryourAccountsafeinclude:(i)ifyoudonotkeepyourPINsafe;(ii)ifyoukeepyourPINwithyourCitiCard;or(iii)ifyoudonottellusquicklyonceyoubecomeawareofanyunauthoriseduseofyourCitiCard.

23.17 IfyourPaymentInstrumentisfoundorrecoveredafteritwasreportedlostorstolenyoumustnotuseitandyoumustsecurelydestroysuchitems.

23.18 IfwesuspectthataPaymentInstrumentislost,stolenorliabletomisusethenwemaygiveinformationtothepolice.Youmustco-operatewithusandthepolicetohelprecoverthePaymentInstrumentandpreventanylosses.

24. Monitoring and recording

Toensurethatyourinstructionsarecarriedoutaccurately,tohelpcontinuallyimprovetheserviceandintheinterestsofsecurity,wemaymonitorand/orrecordtelephoneandvideoconferencecallswithyou.IntheinterestofsecuritywemayuseCCTVrecordingequipmentinandaroundourpremises.Allrecordingsareoursoleproperty.

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25. Set-Off

25.1 WemayapplyanycreditbalanceonanyAccountyoumaintainwithus(whetherasasoleAccountHolderorJointAccountHolder)toreduceorrepayanymoneyyouowetousonanyotherAccountsyouholdwithusinthesamename(s)(whetherasasoleAccountHolderorJointAccountHolder).Wewillonlyeverdothisifthemoneyyouoweisimmediatelyrepayableorifweneedittopaytaxonyourbehalf.Wearenotobligedtoexercisethisrightbutwillnotifyyouatleast14daysbeforeweproposetodoso.

25.2 Wemay,atourdiscretion,makeuseofclearedfundsinanyotherAccountatanytimeheldbyyouwithustoavoidtheAvailableBalancebeingexceeded.Inthesecircumstances,wewillmakereasonableeffortstocontactyoutoinformyouofthis.However,wewillnotbeliableforanyconsequencesofnotusingclearedfundsinanotherAccount.

26. Closing and converting your Account

26.1 Closure by us

(a) WecancloseyourAccountimmediatelybygivingyounotice(unlesswearenotpermittedtonotifyyou)if:

(i) youareinrepeatedorseriousbreachofthisAgreement;

(ii) wereasonablysuspectthatyouhavegivenusfalseinformation;

(iii) wereasonablysuspectthatyourAccountisbeingusedforanillegalpurpose;

(iv) youbehaveinanabusiveorthreateningmannertowardsourstaff;

(v) wereasonablybelieveyouhavemovedfromtheUnitedKingdom;

(vi) wereasonablydetermineyouwerenotorarenolongereligibletoholdyourAccount(forexampleifyouareusingapersonalAccountforpurposesconnectedwithabusiness);

(vii) weneedtocloseyourAccountinordertocomplywithApplicableLaw;

(viii) apetitionforbankruptcyispresentedagainstyou;or

(ix) ourAgreementwithyouiscancelledorterminated.

(b) WecancloseyourAccountatanytimebygivingyounotlessthantwomonths’personalnotice.Intheeventofsuchclosurewewillreturnanyamountweoweyouatyourregisteredaddress,afterdeductionofanyWithholdingTax,interest,chargesandfeesdueorfundsrequiredtobemadebyApplicableLaw.TheAccountwillthenbeclosedwithoutanyfurthercontactwithyou.

(c) WhereweprovideyouwithafixedinterestperiodonyourAccountandweprovideyouwithtwomonths’personalnoticethatwearegoingtocloseyourAccountunderCondition26.1(b),wewillnotcloseyourAccountuntiltheexpiryofthatfixedinterestperiod.

(d) Ifwediscontinueaproductthatyouhavewithus,wemaycloseyourAccountbygivingyoutwomonths’personalnotice.Ifwedothiswewillofferyouasuitablealternativeaccountifthereisoneand,ifyoudonotgiveusinstructionstothecontrary,wewilltransferthefundstothataccountwhenwecloseyourAccount.

26.2 Closure by you

(a) YoumaycloseyourAccountforanyreasonwithoutcharge,andwewillrepaytoyouanyexistingcreditbalancesonyourAccountatthedateofclosure,providedthat:

(i) youinformusbygivingatleast10BankingDays’noticeinwritingthatyouwishtocloseyourAccount;

(ii) youdestroyallchequesandPaymentInstrumentsissuedtoyou;

(iii) yourepayanymoneyyouowetousincludingtheamountofanycardtransactionsorotherpaymentinstructionsyouhavemadeandanychargesorinterestincurredwhichwehavenottakenoutofyourAccount;and

(iv) theAccountSpecificTermsandConditionsofyourAccountpermityoutodoso.

(b) AfterreceivingnoticetoclosetheAccount,wewillcancelanyStandingOrdersandDirectDebitinstructionsonyourAccount.Itisyourresponsibilitytoinformthepayees.WewillnotbeliabletoyouoranythirdpartyforanylossesarisingfromcancellinganyStandingOrderorDirectDebitinsuchcircumstances.

26.3 General

IfyouhavepaidafeeforyourAccountorforanypaymentserviceinadvance,wewillrefundanyunusedpartofthatfeeonterminationforanyreason.

26.4 WherethisAgreementterminates,anyloansmadetoyouundertheCreditFacilityTermsandConditionswillbecomerepayableinaccordancewiththoseCreditFacilityTermsandConditions.

27. Account requirements

27.1 YouacknowledgethatyouaresolelyresponsibleforobtainingappropriateindependenttaxadviceregardinganytransactionsthatyouenterintorelatingtotheAccount.NothinginthisAgreementconstitutesadvicerelatingtotax.

27.2 YoumustuseyourAccountforpersonaluseonly.

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27.3 IfyouliveoutsidetheUKandwehaveagreedyoucanstillholdanAccountwithusyoushouldensurethathavinganAccountcomplieswithanyotherApplicableLaworruleswhichapplywhereyoulive,includinganytax,foreignexchangeorcapitalcontrols,andforallpayment,reportingorfilingrequirementsthatmayapplyasaresultofyourcountryofcitizenship,domicileorresidence.

27.4 Youmustprovideuswithsuchinformationaswemayreasonablyrequirefromtimetotime,andmustupdatethatinformationaswereasonablyrequirefromtimetotime,toenableusoranyofourGroupCompaniestocomplywithanyApplicableLaw.IfyoudonotpromptlyrespondtoourrequestsforinformationthenwemayblockyourAccountorimmediatelycloseyourAccount.

27.5 Youmustcontactusimmediatelyoratthelatestwithin30daysifatanytimeinthefuturethereisanimportantchangetoinformationyouhavepreviouslyprovidedtous,orifyoubecomeaUSperson(thisdoesnotapplyifyouhavealreadyinformedusthatyouwereaUSpersonwhenyouopenedyourAccount).IfyoudobecomeaUSperson,youmustcompleteandreturntousassoonasreasonablypossibleanyrelevantUStaxorwaiverdocumentationthatmayapplytoyouandthatwemayrequestfromtimetotime.

27.6 Exceptwherewehavebeennegligentorfraudulentorinwilfuldefault,weshallhavenoresponsibilitytoyouifanyinformationweholdaboutyouisorbecomesinaccurateorincomplete.

28. Online service

28.1 TheCitiOnlineService(the“Service”),allowsyoutogiveuselectronicinstructionsbyusingyourcomputerandCitiOnlineUserIDandPassword.TheactivitiesthatcanbeperformedviatheServicearesetoutintheCitiOnlineUserGuide,availableatwww.citibank.co.uk.

28.2 IfyouwanttousetheServiceyoumusthave:

(a) aCard;

(b) acomputerwithaccesstotheinternet;

(c) abrowserthatsupports128bitencryption;and

(d) amobilephonetoreceiveaone-timepasswordviaSMSasavalidationstepwhenyouusetheService.

28.3 Youwillberesponsibleforthecostsofusingthetelephoneserviceand/orthechargesmadebyanyinternetserviceprovider.

28.4 YouunderstandthatyourCitiOnlineUserIDandPasswordarePaymentInstruments.

29. Assignment

29.1 WemaytransferanyoftherightsorbenefitandyourliabilityunderthisAgreementtoanyotherperson.

29.2 Wemay,ifthetransferdoesnotaffecttheservicesweprovidetoyouinanimportantway:

(a)arrangeatanytimeforanyotherpersontocarryoutourdutiesunderthisAgreement;or

(b) ifwereasonablyconsideritnecessarytocomplywithanyApplicableLaw,totransferourdutiestoanotherGroupCompany.

Ifwedoso,wewillnotifyyouandthetransferwilltakeeffect14days(oralaterdateifwestatethisinthenotice)aftersuchnotificationunlessyounotifyusofyourobjectioninwritingwithin14days.Oncethetransferhastakeneffect,weshallnolongerhaveanyobligationstoyouregardingthisAgreement.

29.3 YoumaynottransferyourrightsorliabilitiesunderthisAgreementtoanyotherperson.

30. Making changes to this Agreement

30.1 Changes to interest rates

(a) Wewillnotchangeafixedratefortheperiodthatwehaveagreedtofixit.

(b) Wewillchangeatrackerrateautomaticallyinlinewithchangestothereferenceratethatittracks.(A“reference rate”isaratewhichisnotsetbyusandispubliclyavailablesothatyoucanfindoutwhatitisandcheckitindependently.ExamplesaretheBankofEnglandBaseRateandaratewhichisbasedonabasketofratesofferedbyotherbanksorlenders).

(c) WherewechangeatrackerrateunderthisCondition30.1,wewill:

(i) makethechangeseitherimmediatelyafterthereferenceratehaschanged,orwithinasetnumberofdays,oronaparticulardayinthemonth,forexamplethefirstBankingDayofthefollowingmonthandwewilltellyouthisandidentifythereferencerateintheAccountSpecificTermsandConditionsfortheAccount;and

(ii) whentheratechanges,makethenewrateavailableonourwebsiteandthroughCitiPhoneBankingandCitiOnlinewithinthreeBankingDaysofthechange.

(d) Ifyouhaveaninterestratethatisnotafixedrateoratrackerrate,wemaychangethatrateasaresultofanyactualoranticipatedchangesto:

(i) anyrecommendation,ruling,requirementordecisionofanycourt,ombudsman,regulatororsimilarbody(a“regulatory requirement”);

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(ii) thebaseratesetbyanyCentralBank(suchastheBankofEngland)wherethishasanimpactonthecosttousofoperatingorprovidingyourAccount;or

(iii) thecostswereasonablyincurinoperatingorprovidingyourAccount(includingfundingcostsifrelevant).

(e) WemayalsochangeaninterestrateotherthanafixedrateoratrackerrateforavalidreasonthatisnotsetoutinthisCondition30.1.

(f) Wherewemakeachangetocomplywitharegulatoryrequirement,thechangewillbetoreflectafairproportionofthecostofcomplianceonourbankingbusiness,asreasonablyestimatedbyus.Otherchangeswillrespondproportionatelytochangesinourcosts.Wewillnotchangeaninterestrateandourchargestocoverthesamecosttwice.

(g) Changestointerestratesotherthanfixedortrackerratesmaybemadewithoutnoticeifthechangeisfavourabletoyou.WewillupdatetheinformationheldwithCitiPhoneBankingandonourwebsitewithinthreeBankingDaysofthechanges.WewillalsosendyouacopyofthenewRatesandChargesInformationortellyoupersonallybyaseparatewrittennoticewithin30days.Otherwise,wewillgiveyouatleasttwomonths’personalnoticeofchangestoaninterestrate.

30.2 Changes to exchange rates

(a) Unlesswehaveagreedafixedratewithyouforaparticulartransaction,theexchangerateusedtoconvertforeigncurrencypaymentsintooroutofyourAccountwillbethereferenceexchangeratethatwehavetoldyouwillapply(orwillbeatamarginaboveorbelowthatrateifwehavetoldyouthatisthecase).Wemayapplychangestothereferenceexchangerateimmediatelyandwithoutnotice.

(b) Ifthereferenceexchangerateusedinforeigncurrencypaymentsissetbyus,wecanchangethatreferenceexchangerateatanytime.

30.3 Changes to other terms

(a) UnlessweagreeotherwiseintheAccountSpecificTermsandConditionsforanAccount,wemaychangeanyoftheGeneralTermsandConditionsorAccountSpecificTermsandConditions,includingintroducingnewterms,foranyofthefollowingreasons:

(i) wherewereasonablyconsideritwillmakethetermsandconditionseasiertounderstandorfairertoyouorthechangewouldnotbetoyourdisadvantage;

(ii) toreflectanychangesinthecostofprovidingourservicestoyou(wherethechangemadewillreflectthechangeincoststous)(butwewillnotrecoverthesamecosttwice,forexamplebychanginganinterestrateaswell);

(iii) totakeaccountofaregulatoryrequirement;

(iv) becauseofchangestoApplicableLaw,codesofpracticeorthewayinwhichweareregulated;

(v) whereweconsideritnecessarytomakereasonablechangestothewaywelookafteryourAccountorprovideservicestoyouasaresultofchangesin:

(1) technology;

(2) thestructureoftheGroupCompanies;or

(3) theservicesthatweprovideunderthisAgreement,

andthechangewouldnotbetoyourdisadvantage.

(b) Wemaychangeourfeesandchargesorintroduceanewfeeorchargeifthereisachangein(orwereasonablyexpectthattherewillbeachangein):

(i) thecostsweincurincarryingouttheactivityforwhichthefeeorchargeisorwillbemade;or

(ii) regulatoryrequirements.

Anychangeornewfeeorchargewillbeafairproportion,asreasonablyestimatedbyus,oftheimpactoftheunderlyingchangeonthecostsweincurinourbankingbusiness.

(c) WemayalsochangeourfeesandchargesforavalidreasonwhichisnotsetoutinthisCondition30.

(d) AslongasyouareabletoendthisAgreementwithoutcharge(orweagreetowaiveanychargethatwouldotherwiseapply),wemaychangeaninterestrateonanoverdraftforanyreasonnotlistedabove.

(e) AslongasyouareabletoendthisAgreementwithoutcharge(orweagreetowaiveanychargethatwouldotherwiseapply),wemaychangeanyofourotherterms(includingtheinterestratewepayyou,theamountbywhichatrackerratediffersfromareferencerate(the“margin”),andourcharges)foranyreasonnotlistedabove,butwewillnotchangeafixedrateonanAccount(includinganyfixedbonusrateorfixedmargin)foraslongaswehaveagreedtokeepitfixed.

30.4 Notifying you of changes to this Agreement

(a) Exceptforchangestointerestratesorexchangeratesthatwecanmakewithoutnotice(seeConditions30.1and30.2),wewillgiveyoupersonalnoticeofchangesatleasttwomonthsinadvanceofsuchchangebeingmade.

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(b) Ifwearerequiredtomakechangesthatresultfromaregulatoryrequirement,orfromchangestoApplicableLaw,codesofpracticeorthewayinwhichweareregulated,andweareunabletogiveyoutwomonths’noticeofthechanges,wewillprovideyouwithpersonalnoticeinadvanceofthechangeasearlyaspossible.

(c) Whenwetellyouaboutachangewewilltellyouthedateitcomesintoeffect.Aslongasnoticeofachangeisgiventoyouatthemostrecentaddresswehaveforyou,youwillbetreatedasacceptingthechangeonthatdateunless,beforethen,youtellusthatyouwanttoterminateyourAgreementwithusandnotacceptthechange.WewillnotmakeanyterminationchargeifyouterminateyourAgreementinthiscase.

30.5 Changes for specific regulatory requirements

SomeofthetermsofthisAgreementreflectourunderstandingofregulatoryrequirementsthathavenotbeenpublishedorarestillindraftformwhenthisdocumentisprinted.Ifwefindthatanytermisinconsistentwitharegulatoryrequirementwhichispublishedoramendedafterthisdocumentisprinted,wewillnotrelyonthattermbutwilltreatitasifitdidreflecttherelevantregulatoryrequirement.Ifweneedtomakeoperationalchangesbeforewecanfullycomplywiththenewregulatoryrequirement,wewillmakethosechangesassoonasreasonablypracticable.Wewillupdateourtermsandconditionstoreflectthenewregulatoryrequirementwhentheyarenextrepublished.

31. Liability

31.1 WewillnotbeliabletoyouforanyfailuretoperformourobligationsunderthisAgreementduetoanyabnormalandunforeseeableeventoutsideourcontrolwheretheconsequenceswouldhavebeenunavoidabledespitealloureffortstothecontrary.

31.2 WewillnotbeliabletoyouforanyfailuretoperformourobligationsunderthisAgreementwhereperformanceofthatobligationwouldhaveputusinbreachofApplicableLaw.

31.3 Wewillnotbeliabletoyouinanycircumstancesfor:

(a) lossofbusiness,lossofgoodwill,lossofopportunity,lossofprofit;or

(b) anylosstoyouthatwecouldnotreasonablyhaveanticipatedwhenyougaveusaninstructionunderthisAgreement.

31.4 NothinginthisAgreementwillexcludeorlimitanyliabilitywehaveasaresultofactingfraudulentlyornegligentlyoranylegaldutyorliabilitywemayhavetoyouoranyliabilitythatwearenotallowedbylawtoexclude.

32. Your information

32.1 Youexplicitlyconsenttousaccessing,processing,andretaininganyinformationyouprovidetous,forthepurposesofprovidingpaymentservicestoyou.Thisdoesnotaffectourrespectiverightsandobligationsunderdataprotectionlegislation.Youmaywithdrawthisconsentbyclosingyouraccount.Ifyouwithdrawconsentinthisway,wewillceaseusingyourdataforthispurpose,butmaycontinuetoprocessyourdataforotherpurposeswherewehaveotherlawfulgroundstodoso,suchaswherewearelegallyrequiredtokeeprecordsoftransactions.

32.2 FORINFORMATIONEXPLAININGHOWCITICOLLECTSANDUSESPERSONALINFORMATION,PLEASESEEOURCONSUMERBANKINGPRIVACYSTATEMENTWHICHYOUCANVIEWAT:citibank.co.uk/privacy

32.3 Youhavetherightofaccesstoyourpersonalrecordsheldbycreditandfraudagencies.PleasecontactCitiPhoneon0800005500ifyouwouldlikedetailsoftheagenciesweuse.Thesesourcesmayvarydependingonthedifferenttypesoftransaction.

32.4 TheinformationreferredtoinCondition32.2abovemayrelatetoyou,asourindividualcustomer,ortootherindividualswhosepersonalinformationyou(orsomeoneonyourbehalf)mayprovidetousinconnectionwithyourAccountsorourrelationship.BeforeprovidinguswithinformationaboutsuchotherindividualsyoumustnotifythemoftheConsumerBankPrivacyStatementandwhererequired,obtaintheirconsenttotheuseandotherprocessingoftheirpersonalinformation.

33. General

33.1 Othertaxesorcostsmayexistthatarenotchargedbyusorpaidthroughus.

33.2 ThisAgreementisinEnglish.WewillcommunicateinformationornoticesunderthisAgreementinEnglish.

33.3 ThisAgreementwillbegovernedbythelawsofEnglandandWales.AnydisputewhicharisesinrelationtothisAgreementshallbedealtwithbythecourtsofEnglandandWalesoranyothercourtintheUnitedKingdomwhichisabletohearthecaseunlessyouresideinanothercountryintheEEA,inwhichcasethesecourtswillhavenon-exclusivejurisdiction(whichmeansthatadisputemaybeheardinthecourtsofthecountryoftheEEAinwhichyoulive).

33.4 YoucanaskusatanytimeforacopyoftheseGeneralTermsandConditions,anyAccountSpecificTermsandConditionsandanyleafletsthatshowourratesandchargesorothercontractualinformation.

34. About us

34.1 Citiprovidesbankingservices,creditandotherfinancialservicestocustomers.

34.2 OurUKbranchaddressisCitigroupCentre,CanadaSquare,CanaryWharf,LondonE145LB.

34.3 OurVATnumberis429625629.

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35. How we are regulated

35.1 CitibankEuropeplcisauthorisedbytheCentralBankofIrelandunderreferenceC26553andbythePrudentialRegulationAuthority.ItissubjecttosupervisionbytheCentralBankofIreland,andsubjecttolimitedregulationbytheFinancialConductAuthorityandthePrudentialRegulationAuthority.DetailsabouttheextentofourauthorisationandregulationbythePrudentialRegulationAuthority,andregulationbytheFinancialConductAuthorityareavailablefromusonrequest.CitibankEuropeplc,UKBranchisregisteredasabranch(registrationnumberFC032763)intheregisterofcompaniesforEnglandandWales.ItsUKregisteredaddressisCitigroupCentre,CanadaSquare,CanaryWharf,London,E145LB.

36. Complaints procedure

36.1 IfyouareunhappywithanyaspectoftheservicesprovidedunderthisAgreement,wehaveproceduresinplacetodealwithyourconcernseffectively.Youshouldbringyourcomplainttoourattentionbycontactingus.Wewillaimtodealwithanycomplaintspromptlyandfairly.Acopyofourcomplaintsprocedureisavailableonrequest.

36.2 Ifyouremainunhappyafteryouhavegivenusthechancetoputthingsright,youhavetherighttocomplaindirecttotherelevantOmbudsmanandtoaskhimtoinvestigateyourcomplaint.WewillprovideyouwithanexplanatoryleafletrelatingtotherelevantOmbudsman.

36.3 ForUKcustomerstherelevantOmbudsmanwillbe:

TheFinancialOmbudsmanServiceExchangeTowerLondonE149SRUnitedKingdom

Tel:+442079641000Email:complaint.info@financial-ombudsman.org.ukwww.financial-ombudsman.org.uk

36.4 CustomersnotresidentintheUKmayapplytotheUKFinancialOmbudsmanService(asabove)whomayacceptyourcomplaintorreferyoutotheIrishFinancialServicesOmbudsman.ContactdetailsfortheIrishOmbudsmanare:

TheFinancialServicesOmbudsman3rdFloorLincolnHouseLincolnPlaceDublin2,D02VH29Ireland

Tel:+35316620899Email:enquiries@financialombudsman.iewww.financialombudsman.ie

YoumayalsoapplytotheIrishFinancialServicesOmbudsmandirectlyinstead.

36.5 DetailsofthosewhoareeligiblecomplainantscanbeobtainedfromtherelevantOmbudsman

37. Deposit protection

TheIrishDepositGuaranteeSchemeandInvestorCompensationScheme(the“Schemes”)providecompensationincertaininstanceswhereCitibankEuropeplc,UKBranchisunable,orlikelytobeunable,tosatisfyprotectedclaimsagainstus.Insuchcircumstances,theSchemesmayprovidecompensationforclaimsrelatingtovariousservicesprovidedbyCitibankEuropeplc,UKBranchsuchasdeposittakingandinvestmentbusiness.However,theSchemesaregovernedbyspecificrulesoncompensationwhichdetermineyoureligibility,thecircumstancesinwhichcompensationwillbeavailabletoyou,andthelimitsoncompensationpayabletoyou.AnyrecoveryundertheSchemesisthereforesubjecttoyourspecificcircumstances,thenatureofyourclaimandthespecificrulesoftheSchemes.

ClaimsundertheIrishDepositGuaranteeSchemeinrelationtodepositsaresubjecttomaximumlimitsoncompensationof€100,000.WewillseparatelyprovideyouwithdetailsontheDepositGuaranteeScheme.

CitibankEuropeplcisauthorisedbytheCentralBankofIrelandandbythePrudentialRegulationAuthority.ItissubjecttosupervisionbytheCentralBankofIreland,andsubjecttolimitedregulationbytheFinancialConductAuthorityandthePrudentialRegulationAuthority.DetailsabouttheextentofourauthorisationandregulationbythePrudentialRegulationAuthority,andregulationbytheFinancialConductAuthorityareavailablefromusonrequest.CitibankEuropeplc,UKBranchisregisteredasabranch(registrationnumberFC032763)intheregisterofcompaniesforEnglandandWales.TheregisteredaddressintheUKisCitigroupCentre,CanadaSquare,CanaryWharf,LondonE145LB.CitibankEuropeplcisregisteredinIrelandwithnumber132781,withitsregisteredofficeat1NorthWallQuay,Dublin1.CitibankEuropeplcisregulatedbytheCentralBankofIreland.UltimatelyownedbyCitigroupInc.,NewYork,USA.©CitibankN.A.2018.CITI,CITIandArcDesignareregisteredservicemarksofCitigroupInc.Callsmaybemonitoredorrecordedfortrainingandservicequalitypurposes.

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