Announcement

Dear Valued Customers,

Thank you for choosing Citibank, N.A. Indonesia as your trusted banking partner.

Effective 17 July 2020, there are changes to the Terms and Conditions on the Time Deposit Opening Form and Time Deposit Termination form. You can see the latest forms along with the Terms and Conditions in the links provided below.

Time Deposit Opening Form :
www.citibank.co.id/TD-opening-form

Time Deposit Termination Form :
www.citibank.co.id/TD-termination-form

For further information, you can contact CitiPhone Banking (021) 252-9999 at 07.00 - 18.00 WIB.

Regards,
Citibank, N.A., Indonesia

Please be advised that starting May 1, 2020, the following adjustments will be effective for Citi Credit Cards in accordance with the Central Bank's policy:

1. Interest rate for retail and cash advance transactions will be 2% per month or 24% per annum
2. Late Fee will be temporarily decreased to 1% of Total Bill, maximum Rp100.000,- until December 31, 2020.
3. Minimum Due calculation will be temporarily reduced to 5% of total bill until December 31, 2020. This change will apply for billing statements printed starting May 1, 2020.

Thus, Citi Credit Card's minimum due calculation becomes:

1. For Total Bill > Rp50.000,- or Rp100.000,- (for Citi Prestige, Citi Platinum, Citi PremierMiles, and Garuda Indonesia Citi Card), minimum due is the highest amount of the three calculations below:
   1. Total of (1% x retail transaction and cash advance principal) + Administration fee + Interest + Monthly Installment + Past Due OR
   2. 5% of Total Bill + Past Due, OR
   3. Rp50.000,- or Rp100.000,- (for Citi Prestige, Citi Platinum, Citi PremierMiles and Garuda Indonesia Citi Card) + Past Due
2. For Total Bill < Rp50.000,- or Rp100.000,- (for Citi Prestige, Citi Platinum, Citi PremierMiles, and Garuda Indonesia Citi Card), minimum due equals to total bill.

It is strongly recommended to pay more than the Minimum Due in order to reduce the interest charge.

Frequently Asked Questions

Q: Will the interest rate reduction for Citi Credit Card be valid permanently?
A: Interest rate reduction for Citi Credit Card to 2% per month or 24% per annum is valid from May 1, 2020 until further notice from Bank of Indonesia.

Q: How the interest is calculated in my billing statement if my cycle date is May 7, 2020?
A: Credit card interest is calculated daily using interest rate that is valid on the given date. Hence, daily interest calculation starting May 1 will use the interest rate of 24% per annum. Daily interest calculated before May 1 will use interest rate that is valid at that time, which is 26.95% per annum.

Q: Are the changes for interest rate, temporary changes for late fee and minimum due calculation valid for Citibank Ready Credit as well?
A: Bank of Indonesia policy governs credit card business. Hence, there are no changes for Citibank Ready Credit.

Dear Valued Customer,

In view of the recent adjustment on banking operational hours due to the current COVID-19 situation, we would like to inform you that there will be changes in our services SKN-BI through Citibank ATM, Citibank Online & Citi Mobile^® App, effective until July 31^th 2020, as follow:

Cut off time for SKN-BI transaction is 8 AM – 2 PM (Following Indonesia Western Standard Time/WIB) during weekdays.

Regards,

Citibank, N.A., Indonesia

Yang Terhormat Bapak/Ibu

Terima kasih atas kepercayaan Bapak/Ibu telah memilih Citibank N.A., Indonesia sebagai mitra perbankan Anda.

Efektif 1 Mei 2020, jumlah limit transaksi harian Anda di merchant untuk Kartu Debet Citibank Mastercard akan menjadi :

Perubahan terhadap limit transaksi harian di merchant POS/Online yang baru hanya akan berlaku secara otomatis bagi nasabah baru (per tanggal 1 Mei 2020). Bagi nasabah yang saat ini sudah memiliki kartu Debet Citibank Mastercard dapat mengajukan pembaruan limit transaksi harian untuk transaksi di merchant melalui Citiphone atau dengan mengunjungi cabang Citibank terdekat.

*Untuk meningkatkan limit transaksi harian Kartu Debet Citibank Mastercard hingga Rp100 juta dapat dilakukan dengan menghubungi CitiPhone Banking (berlaku untuk Citibanking, Citi Priority dan Citigold).

Untuk keterangan lebih lanjut, Bapak/Ibu dapat mengunjungi kantor cabang Citibank terdekat atau menghubungi CitiPhone Banking di (021) 252-9999 pada pukul 07.00 – 22.00 WIB.

Dear Sir/Madam,

Thank you for trusting Citibank N.A., Indonesia as your banking partner.

Effective February 12th, 2020, there are changes to the Terms and Conditions on the Account Opening form.
Please see the latest form along with the Terms and Conditions in the link provided below.

Account Opening form
www.citibank.co.id/acc-opening-form

For further information, please visit the nearest Citibank branch or contact CitiPhone Banking 021-2529999 at 07.00 - 22.00 WIB.

Regards,
Citibank N.A., Indonesia

In regards to the latest iOS 13 release from Apple, users of iPhone 5C and the previous generation can still access Citi Mobile® until October 31, 2019. If you are using iPhone 5S and the later generation, you can access Citi Mobile® App with the new iOS 13.

For further information, please contact CitiPhone Banking at 021-2529999.

Thank you for choosing Citibank N.A. Indonesia as your banking partner.

As part of our commitment to serve you better, we would like to inform you information regarding funds transfer via SKN effective 1 September 2019.

1. Maximum transaction amount per day for SKN fund transfers through Citibank Online, Citi Mobile, and Teller will be Rp1.000.000.000. 0

   Channel	Before 1 September 2019	Effective 1 September 2019
   Teller*	Rp500.000.000	Rp1.000.000.000
   Citi Mobile**
   Citibank Online**
   ATM	Rp50.000.000	Rp50.000.000

   *For SKN transaction in Teller, limit of Rp1.000.000.000 is the limit per transaction, while there is no limit per account per day for SKN transaction in Teller.

   ** For SKN transaction in Citi Mobile & Citibank Online, limit of Rp1.000.000.000 is the limit per account per day, while limit per transaction remains at Rp500.000.000.

2. SKN transfer fee via Teller changed from Rp5.000 to Rp3.500 per transaction.
   *Fund transfer service fee charged by BI to Citibank has changed from Rp1000 to Rp600 per transaction.

   *Transfer of SKN funds via Citibank Online, Citi Mobile and ATM is free of charge

   Channel	Previous SKN Transfer Fee	SKN Transfer Fee Effective 1 September 2019
   Teller	Rp5.000	Rp3.500
   Citi Mobile	Free of charge
   Citibank Online
   ATM

   For more information, you can visit the Citibank branch office or contact Citiphone Banking (021) 252-9999 from
   07.00 - 22.00 WIB.

Thank you for choosing Citibank N.A. Indonesia as your banking partner.

We would like to inform you of the changes in savings interest rate for AUD and NZD currencies to 0%, effective 21st October 2019.

The scheme as follows:

For more information, you can visit the Citibank branch office or contact Citiphone Banking (021) 252-9999 from 07.00 - 22.00 WIB.

Thank you for choosing Citibank N.A. Indonesia as your trusted banking partner.

Effective October 18, 2019, there are changes to the Terms and Conditions on the Time Deposit Termination form, Time Deposit Opening form, and the Additional Account Opening form.

You can see the latest form along with the Terms and Conditions in the link provided below.

For further information, you can visit the nearest Citibank branch or contact CitiPhone Banking (021) 252-9999 at 07.00 - 22.00 WIB.

Regards,

Citibank N.A., Indonesia

In accordance to the announcement by Bank Indonesia on clearing activities and bourse holiday during public holiday on June 3-7, 2019, any clearing transaction through Citibank Online and Citi Mobile, and all online mutual fund investment transactions through Electronic Mutual Fund (EMF) during the holiday will be processed June 10, 2019.

www.citibank.co.id/biayanotif

Perubahan fitur Citi Rewards Point di Kartu Debet Citibank

^*Hubungi Relationship Manager anda atau kunjungi cabang Citibank terdekat.

^**Penukaran hanya dapat dilakukan melalui Citiphone dan Citibank Online

Klik di sini untuk info lebih lanjut mengenai Kartu Debet Citibank

Dear Valued Customer,

Starting February 11, 2019, fee applies for mutual fund switching transaction through e-Mutual Fund (internet banking) changed from 1% (one percent) to 0.5% (zero point five percent)^*

^*Only applies for mutual fund with current switching fee of 1%. Transaction fee and other fees applied for investor depends on each of the mutual fund products. Fee details can be found in Prospectus/Fund Fact Sheet of each mutual funds

Dear Valued Customer,

Related to Regular Investment Plan (RIP) service, we would like to announce few provision as per below:

1. Starting 01 February, 2019, Regular Investment Plan (RIP) will change name to be Customer Investment Plan (CIP)
2. CIP transaction can only be debited if you have a valid Risk Profile. Your Risk Profile applies for 2 (two) years

For further information, you may contact your Relationship Manager or visit the nearest branch.

Thank you.

Dear Valued Customer,

Effective on December 9, 2019, there will be changes in Credit Card Terms and Conditions on the following items that is aligned with The Financial Services Authority (OJK)’s regulation:

• Batas Kredit dan/atau Batas Kredit Gabungan
• Hak dan Kewajiban Citibank
• Pengakhiran/Penutupan dan Pemblokiran Kartu Kredit Citi
• Pengaduan dan Perselisihan
• Perubahan Syarat dan Ketentuan

For more info, click here

Dear Valued Customer,

For better security and usage of your Citi Debit Card & Citi Credit Card, starting 20 August 2018 PIN changed & creation can only be done through Citi Mobile or Citibank Online in www.citibank.co.id.

For further information, contact us through Live chat in www.citibank.co.id/chat

Dear valued customer,

Please be informed from May 10, 2018 the following banking transactions will only be available on Citi Mobile® App, Citibank Online, Citi Cash Deposit Machine and ATMs.

Branchless transactions effective dates:

Funds transfer via Citibank Online or Citi Mobile is free with the following limits for each transaction:

^Countries participating in Global Funds Transfer:

Teller and customer services will continue to be available for your other banking needs. Our staff at the branches are always available to assist you to perform transactions via digital self-serve channels.

For a seamless banking experience, please download Citi Mobile here.

Regards,
Citibank N.A., Indonesia

Dear Valued Customer,

On Dec 4th, 2017, Bank Indonesia has implemented National Payment Gateway (NPG) system to support transaction payment process in Indonesia.

The NPG system integrates all payment channels processing that facilitate electronic transaction and ensures the transactions occurring in Indonesia domain are processed domestically. Under the NPG scheme and referring to Article 43 of the Board of Governor Regulation No. 19 / 10 / PADG / 2017 dated September 20, 2017 a National logo debit card will be launched as part of National Branding initiative and to further support domestic transaction using NPG system

Citibank will support the issuance of National Logo Debit Card as part of National Payment Gateway scheme led by Bank Indonesia.

The National Logo debit card facilitates interoperability, interconnectedness, supports national sovereignty and makes domestic transactions safe and efficient.

Dear Valued Customer,

Starting January 2018, in accordance with IRS (Internal Revenue Services) provision, there is a change on backup withholding rate for U.S. Person from 28% to 24%. U S Person that will be a subject to this backup withholding is US person who fulfilling one of these conditions :

• The U.S. person has not provided its TIN in the manner required,
• The IRS notifies you that the TIN furnished by the payee is incorrect,
• The U.S. person has not submitted FATCA supporting document

In order to avoid this backup withholding tax above, U.S. Person are expected to complete the W-9 form correctly and completely. An example of the W9 form can be found at http://www.irs.gov/formspubs/index.html.

Please call Citiphone Banking on (021) 252-9999 from your mobile phone or go to the nearest Citi branch for further information

Dear Valued Citibank Customers,

We would like to inform that effective by January 15, 2018, the Cut-Off Time (COT) of Cheque Clearing at Teller Counter for Jakarta Area has changed as below:

*The change is applicable for Jakarta only

For further info, please contact Citiphone 69999 or LiveChat facility in Citibank Online.

Thank you for your attention and cooperation.

Warm Regards,
Citibank N.A., Indonesia

Dear Valued Customer,

Effective April 1, 2017 in accordance with Bank Indonesia Regulation No. 18/41 / PBI / 2016 there are some changes in the provisions of Bilyet Giro as follows:

• 1. The validity period of New Bilyet Giro is 70 days from the withdrawal date.
• 2. The old format of Bilyet Giro with withdrawal date before April, 1 2017 may still be used and valid until December 31, 2017 with the validity of period is 70 days and 6 months.
• 3. Bilyet Giro with old format and the date of withdrawal is on April 1, 2017 and onwards, shall adhere the validity period of 70 days from the withdrawal date.
• 4. Maximum Warkat Debit value for Bilyet Giro through SKNBI is amount to Rp500,000,000, - (five hundred million rupiah).

Please call Citiphone Banking on (021) 252-9999 from your mobile phone or go to the nearest Citi branch for further information

Pursuant to the Bank Indonesia Circular Letter No 18/23/DSta/2016 regarding: Monitoring of Foreign Exchange Movement between Bank and Customer, hence bank is required to regulate any outgoing overseas transaction with value above USD100,000 or equivalent. For this transaction, Customer must complete Foreign Exchange Payment-Receipts Activities Monitoring form and submit relevant underlying documents* related to the outgoing overseas transaction.
This regulation is effective starting 7 November 2016.

* Supporting document is relevant document that contain information related to the purpose of the Outgoing Transfer: Invoice, Purchase Order, Agreement, Proof of Payment, Statement Letter etc as stated in Bank Indonesia’s circulation letter.

It is our commitment to provide the best financial products and services to our customers. In regards to the recent issuance of Ministry of Finance Regulation No. 39/PMK.03/2016 on mandatory reporting of cardholders’ information and transaction data by credit card issuers, Citibank will comply with the regulation. Click here for more info.

IMPORTANT NOTICE

For continuous communication and to avoid Citi Credit Card or Citi Ready Credit abuse, please update your personal and employment data as follows:

• 1. Call CitiPhone Banking at (021) 252-9999 via mobile phone.
• 2. After that, send the latest copy of ID/Tax ID (NPWP)/Income Data and Citi Credit Card number via fax to (021) 5794 7598 or via e-mail to edocument@citi.com with subject : Data Update.
• 3. It is important to note that the income and Tax ID (NPWP) data updating are also required to increase the limit in Credit / Credit Limit Combined
• 4. If there is no notification on the update of personal data, employment and Tax ID (NPWP) within 5 business days since document is received; personal data, employment and Tax ID (NPWP) that currently recorded in Citibank internal system considered as accurate and no change
• 5. Report immediately in case of lost and/or stolen card to the Banking service.
• 6. Make sure address listed is the correct address complete with postal code. If there is any changes of address, please contact Banking service.
• 7. If you have not received your billing statement in 7 days before the due date, please contact Banking Service.

Dear valued Citibank customers,

Please be informed effective as per August 3, 2015 there will be changes in Foreign Exchange withdrawal fees.

Foreign Exchange withdrawal fees are as follows:

Dear Valued Citibank Customers,

In accordance with the issuance of BI Regulation No. 17/3/PBI/2015 regarding Obligation to Use Rupiah in the Territory of the Unitary State of the Republic of Indonesia, starting July 1, 2015, for every transactions in foreign currency, Customers are required to state the underlying transactions in the transfer/ transaction form.

Thank you for your support and trust for banking with us.

Dear valued Citibank customers:

Citibank N.A. Indonesia is included in the guarantee program by Indonesia Deposit Insurance Corporation: (Lembaga Penjamin Simpanan - LPS)

If the interest and deposit nominal in Citibank exceed the interest rate and nominal determined by Indonesia Deposit Insurance Corporation (Lembaga Penjamin Simpanan – LPS), then the Deposit is not included in deposit insurance program by LPS.

For more information please contact your Relationship Manager.

*Source: Website Lembaga Penjamin Simpanan (http://www.lps.go.id)

Dear valued customer,

Please be informed effective as per March 5, 2018 there will be changes in service fee as follow :

Regards,

Citibank N.A., Indonesia

Dear Valued Customer,

In accordance with Surat Edaran Bank Indonesia (SEBI) No 17/30/DPSP, hereby we would like to inform that effective 1 July 2016, there will be amendments as follow:

1. RTGS-BI fee charged by Bank to Customer is Rp35.000,- per transaction
2. Fund transfer through BI-RTGS System will be applied for amount above Rp100.000.000,-
3. Fund transfer through SKN-BI System is applied for any amount up to Rp500.000.000,-

Top Up your fund in Citibank Products and Enjoy Citi Rewards Points up to IDR50 million.

Updates on saving interest rate table as follow :

For further info, please contact Citiphone 69999 from 07.00 – 22.00 or LiveChat facility in Citibank Online.

Warm Regards,
Citibank N.A., Indonesia