Announcement

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.

Services	ATM / CDM	Citibank Online	Citi Mobile
Funds Transfer	✔	✔	✔
Cash Withdrawal for LCY	✔	N.A.	N.A.
Cash Deposit	✔	N.A.	N.A.
Debit Card Activation	N.A.	✔	✔
Demographic Update	N.A.	✔	N.A.
Balance-Related Inquiries	✔	✔	✔
Rewards Points Inquiry	N.A.	✔	✔
FX Rate Inquiry	N.A.	✔	✔
Time Deposit Placement	N.A.	✔	✔
Set-up Standing Instructions	N.A.	✔	✔
Dormant Account Activation	N.A.	✔	✔
Request Paper Statement	N.A.	✔	✔
Payee Management	N.A.	✔	✔
Set-up Citi Alert	N.A.	✔	N.A.
E-Statement / E-Advice	N.A.	✔	N.A.
Reset/Change Card PIN	✔	✔	✔

Branchless transactions effective dates:

CITIBANKING	CITI PRIORITY	CITIGOLD
10 May 2018	1 July 2018	1 July 2018

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

Transfer of funds	Limit	Funds arrived	Cost
Transfer to account at Citibank
Transfer to my Citibank account	Unlimited	Real-time	Free
Payment to My Citi Credit Card	Unlimited	Real-time	Free
Transfer to another account at Citibank	Rp250.000.000, -	Real-time	Free
Transfer to another bank in Indonesia
Real-time transfer through ATM Bersama network (including to BCA)	Rp50.000.000, - (Rp25.000.000, - per transaction)	Real-time	Free
Transfer via Clearing (SKN)	Rp250.000.000, - (Rp100.000.000, - per transaction)	Max. 2 working days	Free
Transfer to another bank abroad: Citibank Global Transfer^
Transfer out without FX *)	USD10,000	Real-time	Free
Incoming transfers	USD10,000	Real-time	Free
* If there is a currency exchange in the exit transfer then the limit is Rp80 million with monthly limit of US $ 25,000 (valid only from Rupiah).
Telegraphic Transfer (SWIFT)	USD10,000	3-5 business days	Free

^Countries participating in Global Funds Transfer:

United States of America	UK	Thailand	UAE
Australia	Taiwan	Vietnam	Colombia
China	Korean	Philippines	Bahrain
Singapore	Malaysia	Mexico	Indonesia
Hong Kong	India NRI	Poland	Japan

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 021 252-999 or 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:

Area/City	Cheque Clearing (Before)	Cheque Clearing (After)
Jakarta*	08.30 – 11.00 WIB	08.30 – 10.00 WIB

*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

Nasabah Citibank Yang Terhormat,

Sehubungan dengan berlakunya Surat Edaran Bank Indonesia Nomor 17/52/DKSP tanggal 30 Desember 2015 tentang Implementasi Standard Nasional Teknologi Chip dan Penggunaan Personal Identification Number (PIN) 6 Digit untuk kartu ATM dan/atau Kartu Debet yang diterbitkan di Indonesia. Kami menginformasikan bahwa tanggal 22 Juni 2017, apabila Nasabah melakukan transaksi di terminal EDC, maka Nasabah wajib memasukan 6 digit PIN.

Terima kasih atas dukungan dan kepercayaan Anda untuk memilih Citibank sebagai mitra perbankan Anda.

Questions	Answer
Kenapa saya diwajibkan untuk menggunakan 6 Digit PIN untuk bertransaksi?	Ini dilakukan untuk meningkatkan keamanan dan kenyamanan Bapak/Ibu dalam bertransaksi selain juga merupakan aturan dari Bank Indonesia yaitu No 17/52/DKSP tanggal 30 Desember 2015 tentang Implementasi Standard Nasional Teknologi Chip dan Penggunaan Personal Identification Number (PIN) 6 Digit untuk kartu ATM dan/atau Kartu Debet yang diterbitkan di Indonesia.
Transaksi dimana saja yang mewajibkan menggunakan 6 Digit PIN?	Untuk saat ini transaksi yang mewajibkan penggunaan 6 Digit PIN adalah transaksi di ATM dan EDC di seluruh Indonesia.
Apa yang terjadi jika saya tidak memasukkan PIN 6 Digit pada mesin ATM atau EDC?	Efektif 22 Juni 2017 setiap transaksi Kartu Debet Citibank di ATM dan EDC wajib menggunakan PIN 6 Digit. Apabila Bapak/Ibu tidak memasukkan PIN pada mesin ATM atau EDC maka transaksi Bapak/Ibu tidak bisa diproses.
Kenapa saya tidak bisa melakukan transaksi di mesin EDC Citibank?	Saat ini mesin EDC Citibank sedang dalam proses penyesuaian dengan kewajiban penggunaan 6 Digit PIN. Oleh karena itu untuk sementara sampai dengan 30 June 2017, transaksi di mesin EDC dengan Kartu Debet Citibank hanya bisa dilakukan di 10 merchant Citibank, seperti:
	Merchant Names	Address
	A THAM TLR PDIN	PONDOK INDAH MALL LT. I/25
	ALLEIRA GRAND INDNSIA	GRAND INDO WESTMAL LT UPER GROUND
	BAYU BNA T&TPIM	PONDOK INDAH MALL
	IKAN BKRCIANJUR CIPETE	JL CIPETE RAYA NO 35
	KAFE VICTORIA	PLAZA SENAYAN LT I/168C-172C
	LACOSTE KOKAS	KOTA KASABLANKA GF UNIT 23A
	MAY STAR EMPORIUM	MALL EMPORIUM LT 4
	PETER F SAERANG SALON PI	PLAZA INDONESIA LT3#026-028
	SEIBU
	KEMCHICK	PACIFIC PALACE
	Untuk sementara EDC Citibank selain yang disebutkan di atas tidak dapat melakukan proses transaksi sampai dengan 29 September 2017, namun Bapak/Ibu masih bisa bertransaksi di mesin EDC bank lain yang sudah disesuaikan.

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 021 252-999 or 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.

Dear Customer,

Please be informed that starting 1 October 2016, transfer limits via Citibank Online and Citi Mobile will be updated with below details:

Transfer to other banks in Indonesia	Limit per Day	Limit per Transaction
Real-time transfer via ATM Bersama network (including to BCA)	Rp50.000.000	Rp25.000.000
Transfer via Clearing (SKN)	Rp250.000.000	Rp100.000.000

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

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.

Dear valued Citibank customers,

Please be informed effective 14 December 2015, your Citibank Debit Card Daily Transaction Limit will be increased with details as follows.

Fitur/Layanan	Citibanking	Citigold
Debit Card Type	Blue	Gold
Daily Limit Transaction*)	from Rp 5.000.000,- to Rp 10.000.000,-	from 10.000.000,- to Rp 25.000.000,-

*) Incremental limit for daily transaction (POS Limit) adjustment should be done through 24-Hour CitiPhone Banking.

Enjoy various merchant offer, and Citi Rewards Points with your Citibank Debit Card.

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

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 24-Hours CitiPhone Banking at (021) 252 9999 or 69999 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 24-Hours CitiPhone Banking service.
• 6. Make sure address listed is the correct address complete with postal code. If there is any changes of address, please contact 24-Hours CitiPhone Banking service.
• 7. If you have not received your billing statement in 7 days before the due date, please contact 24-Hours CitiPhone Banking Service.

Referring to Circular Letter of Bank Indonesia No. 15/21/DPNP as of 2013 on the Implementation of Anti Money Laundering and Prevention of Terrorism Financing Programs for Commercial Banks, Banks must decline transaction, cancel transaction and/or close your Card if customers refuse to update the data.

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:

Cash Withdrawal in US Dollar Currency (per month)	Citibanking	Citigold
≤ USD10,000	Free	Free
> USD10,000 - ≤ USD25,000	1%	Free
> USD25,000	1%	1%

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)

LPS Deposit Insurance Rate*
IDR	Foreign Currency
Interest rate 6,25% p.a.	Interest rate 0.75% p.a.
Period: 15 September 2016 - 15 January 2017
Maximum nominal - IDR 2 Billion (Since 13 October 2008)

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 :

No	Features/Service	Changes
		Citibanking	Citipriority	Citigold
1.	Deposit Cheque Clearing > IDR500.000.000	IDR50.000
2.	Transaction Data for Current Month
	Via IVR	IDR50.000	IDR50.000	Free
	Via CPO	IDR50.000	IDR50.000	Free
	Via CS	IDR50.000	IDR50.000	Free
3.	Transaction Data For the last 3 months
	Via IVR	IDR75.000	IDR75.000	Free
	Via CPO	IDR75.000	IDR75.000	Free
	Via CS	IDR75.000	IDR75.000	Free
4.	Transaction Data for the last 3 - 12 months
	Via IVR	IDR100.000	IDR100.000	Free
	Via CPO	IDR100.000	IDR100.000	Free
	Via CS	IDR100.000	IDR100.000	Free
5.	Request for Consolidated Monthly Statement
	≤3 months
	Via CPO	IDR80.000	IDR80.000	Free
	Via CS	IDR80.000	IDR80.000	Free
	>3months
	Via CPO	IDR100.000	IDR100.000	Free
	Via CS	IDR100.000	IDR100.000	Free
6.	Standing Instruction via Citibank Branch	IDR50.000	IDR50.000	Free
7.	Credit Card and Ready Credit Payment via Teller	IDR250.000

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,-

Regards,
Citibank N.A., Indonesia

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

Updates on saving interest rate table as follow :

No	Product Name	Effective Interest Rate April 18, 2018
1	IDR Regular Saving Account	0.15%
2	Citibank Guard Saving

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

Warm Regards,
Citibank N.A., Indonesia