Account Speciﬁ c Terms and Conditions - Citibank UK · Citigold Current Account 1. Conditions 1.1...

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Account Specific Terms and Conditions

Effective from 25 May 2018

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Account Specific Terms and Conditions Contents

Condition Page

CitigoldCurrentAccount 4-5

CitiPlusCurrentAccount 6-7

CitiAccessAccount(notavailabletonewapplicants) 8

USDollarCurrentAccount 9-10

EuroCurrentAccount 11-12

CitiIndiaConnectCurrentAccount(notavailableto

newapplicants) 13

FlexibleSaverAccount 14

RewardSaverAccount 15

USDollarRewardSaverAccount 16-17

EuroRewardSaverAccount 18-19

ForeignCurrencyDepositAccounts 20-21

TimeDepositAccounts(Accountsopenedonorafter

9March2010butbefore7April2014) 22-23

TimeDepositAccounts(Accountsopenedonorafter

7April2014) 24-25

FixedRateBond 26-27

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Citigold Current Account

1. Conditions 1.1 TheseAccountSpecificTermsandConditionsapplytotheCitigoldCurrentAccount.Theyareadditionaltoandshould

bereadtogetherwiththeGeneralTermsandConditionsforCitiCurrentAccountsandSavingsAccounts.Ifthere

isanyinconsistencybetweenthem,theseAccountSpecificTermsandConditionsoverridetheGeneralTermsand

ConditionsforCitiCurrentAccountsandSavingsAccountstotheextentoftheinconsistency.

1.2 “Account”,whenusedintheseCitigoldCurrentAccountTermsandConditions,meanstheCitigoldCurrentAccount.

2. Overdrafts Anoverdraftmaybeavailabletoyouatourdiscretion.Tobeeligibleforanoverdraftfacilityyoumustmakeminimum

monthlypaymentsintoyourAccount.Wewilltellyouwhattheminimummonthlypaymentiswhenyouaskusforan

overdraft.

3. Daily withdrawals 3.1 Youmaywithdrawupto£10,000cashperdayinSterlingfromanybranchofCitiintheUKwithoutnoticeifthe

amountyouwishtowithdrawiswithinyourAvailableBalance.LargerwithdrawalswillrequiretwoBankingDays’

notice.

3.2 YoumaymakewithdrawalsincashatcertainATMsdisplayingtheCardScheme/LINKlogo,subjectto:

(a) anylimitondailywithdrawalssetoutinourRatesandChargesInformation;

(b) theindividualmachinelimit;

(c) yourAvailableBalance;and

(d) specificlimitsdeterminedandnotifiedtoyoubyCitifromtimetotime.

3.3 ThelimitreferredtoinCondition3.2(a)oftheseCitigoldCurrentAccountTermsandConditionsisanaggregatelimit

thatappliesacrossalltheaccountsyouholdwithCitiUKfromwhichyouareabletomakeATMwithdrawals.Thelimit

applicabletoyouwilldependonwhetheryou:

(a) areaCitigoldPrivateClientinaccordancewithCondition5;or

(b) holdaCitigoldCurrentAccount.

4. Relationship fee 4.1 Youwillnotbechargedarelationshipfeeforanymonthforwhich:

(a) youhaveanaveragemonthlybalanceof£150,000(orcurrencyequivalent)ormoreasdescribedinCondition4.3

oftheseAccountSpecificTermsandConditions;or

(b) atthetimeweassesswhetherornotafeeisapplicable,youholdanaccountwithCitiInternationalPersonalBank

inLondonorJersey;or

(c) youareaCitigoldPrivateClientinaccordancewithCondition5.

4.2 InallothercircumstancesyouwillbechargedarelationshipfeeattheratesetoutintheRatesandCharges

Information.ThisfeewillbedeductedwithinthefirstfiveBankingDaysofthefollowingmonth.Thefeewillbedebited

withoutpriornotificationandmaybedebitedfromfundsavailablewithinyourarrangedoverdraftfacility.Inaddition,

wemaydeductanyoverduerelationshipfeesfromanyCitiaccountincreditheldinthesamename(ornames)asthis

Account.

4.3 Theaveragemonthlybalanceistheaggregateof:

(a) thetotaldailyclearedcreditbalance(calculatedattheendofeachBankingDay)ofallUKCitisavingsaccounts,

currentaccounts,investmentsandtimedeposits(includingtheSterlingequivalentofamountsheldinUKbased

foreigncurrencyaccounts)heldinyournameduringtherelevantmonth,includinganybalancesheldinaJoint

Account(whereyouarethefirst-namedaccountholderonthataccount),averagedacrossallBankingDaysinthe

relevantmonth;plus

(b) thevalueofanyInvestmentLinkedLifeInsuranceProductsheldinyournameorjointlywithanotherperson

(whereyouarethefirst-namedpolicyholderonthatproduct)asonthelastBankingDayoftherelevantmonth.

ForthepurposesoftheseCitigoldCurrentAccountTermsandConditionsan“Investment Linked Life Insurance

Product”meansaninvestmentthattakestheformofalongterminsurancepolicythatwehavearrangedforyou.

4.4 Fortheavoidanceofdoubt:

(a) wewillassesswhetheramonthlyaccountfeeisapplicableonthelastBankingDayofeachcalendarmonth;

(b) wewillnotincludeanyamountsyouoweusunderanyoverdraftyoumayhaveindeterminingyourdailycleared

creditbalance;and

(c) forthepurposesofestablishingtheSterlingequivalentofamountsheldinUKbasedforeigncurrencyaccountswe

willusethe“Citi UK”referenceexchangerateapplicableonthelastBankingDayofthemonth.Detailsofthese

referenceexchangeratesareavailablethroughCitiPhoneBanking.

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4.5 IfwedeductyourrelationshipfeefromanotheraccountinaccordancewithCondition4.2oftheseCitigoldCurrent

AccountTermsandConditions,wherethataccountisaforeigncurrencyaccountwewillestablishtherelevantforeign

currencyequivalentoftherelationshipfeeusingthe“Citi UK”referenceexchangerateapplicableonthelastBanking

Dayofthemonth.

4.6 ForclientswhohavenotheldacurrentaccountwithCitipreviously,norelationshipfeewillbechargedinthefirst90

daysafteryouhaveopenedthisAccount.

4.7 IfyouhavemorethanoneAccountandyouarethefirst-namedAccountHolderonmorethanoneAccount:

(a) therelationshipfeewillbedebitedfromtheAccountthathasthehighestbalancewhichisheldinthesamename

(ornames)asthisAccount;

(b) therelationshipfeewillonlybeappliedonceeachmonth;and

(c) youonlyhaveoneentitlementtothetravelinsurancebenefitasdescribedinCondition6oftheseAccount

SpecificTermsandConditions.

4.8 IfyourAccountistreatedasdormantyouwillnotbechargedarelationshipfeeandwillnotbeentitledtoreceivethe

travelinsurancebenefitasdescribedinCondition6oftheseAccountSpecificTermsandConditions.

5. Citigold Private Client 5.1 Youhavetheoptionofbecominga“CitigoldPrivateClient”if:

(a) youmaintainanAccount;and

(b) youmaintainanaveragemonthlybalanceof£650,000(orcurrencyequivalent)ormoreasdescribed

inCondition4.3oftheseAccountSpecificTermsandConditions;or

(c) youholdanaccountwithCitiInternationalPersonalBankinLondonorJerseyinrelationtowhich

CitiInternationalPersonalBankhasdecidedtotreatyouasaCitigoldPrivateClient.

Whereyoumeettherequirementswewillcontactyoutodiscusswhetheryouwouldliketobecomea

CitigoldPrivateClient.

5.2 IfyouagreetobecomeaCitigoldPrivateClientyouwillbeeligibletoreceiveadditionalbenefitsasavalueadded

featureoftheAccount.

5.3 Detailsofthebenefitsavailable,howyoucanenroltoreceivethem,andtheapplicabletermsandconditionscanbe

foundatwww.citibank.co.uk/cpc orbycontactingyourRelationshipManager.

5.4 IfyoubecomeaCitigoldPrivateClientandsubsequentlyceasetomeetthecriteriasetoutinCondition5.1wehave

therighttonolongertreatyouasaCitigoldPrivateClient.Wewillgiveyoutwomonths’noticeinadvanceofany

changestoyourCitigoldPrivateClientstatus.

5.5 IfwetreatyouasaCitigoldPrivateClient,wewillmonitoryouraveragemonthlybalanceandwilltellyouifitfalls

below£650,000(orcurrencyequivalent)duringtheperiodinwhichwetreatyouasaCitigoldPrivateClient.

6. Travel Insurance 6.1 WorldwideannualtravelinsuranceisavalueaddedfeatureoftheAccount.TravelinsuranceisavailabletoUK

residentsonly.FulltermsandconditionsofthisinsurancearesetoutintheCitigoldWorldwideAnnualHolidayTravel

InsurancePolicydocument.

6.2 YouwillnotbeeligiblefortravelinsuranceifmorethanonerelationshipfeeisoutstandingafterCitihasattemptedto

collectafeeoriftheAccountisclosedbyeitheryouorbyCitiforanyreason.Wewillnotifyyoubeforethisinsurance

iswithdrawn.

7. Cheque book NochequebookisavailablewiththisAccount.

8. Citi Debit Card IfyoulinkyourCardtothisAccount,andyourcardtypepermitssuchuse,youwillbeabletousetheCardasaCitiDebit

CardinrespectofthisAccount.

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Citi Plus Current Account

1. Conditions

1.1 TheseAccountSpecificTermsandConditionsapplytotheCitiPlusCurrentAccount.Theyareadditionaltoand

shouldbereadtogetherwiththeGeneralTermsandConditionsforCitiCurrentAccountsandSavingsAccounts.If

thereisanyinconsistencybetweenthem,theseAccountSpecificTermsandConditionsoverridetheGeneralTerms

andConditionsforCitiCurrentAccountsandSavingsAccountstotheextentoftheinconsistency.

1.2 “Account”,whenusedintheseCitiPlusCurrentAccountTermsandConditions,meanstheCitiPlusCurrentAccount.



overdraft.

3. Relationship fee 3.1 Youwillnotbechargedarelationshipfeeforanymonthforwhichyou:

(a)credityourAccountwithaminimumof£3,500andhaveaminimumoftwoDirectDebitspaidfromyour

Account;or

(b) haveanaveragemonthlybalanceof£35,000(orcurrencyequivalent)ormoreasdescribedinCondition3.3of

theseAccountSpecificTermsandConditions.

3.2 InallothercircumstancesyouwillbechargedarelationshipfeeattheratesetoutintheRatesandCharges

Information.ThisfeewillbedeductedwithinthefirstfiveBankingDaysofthefollowingmonth.Thefeewillbedebited

withoutpriornotificationandmaybedebitedfromfundsavailablewithinyourarrangedoverdraftfacility.Inaddition,

wemaydeductanyoverduerelationshipfeesfromanyCitiaccountincreditheldinthesamename(ornames)asthis

Account.

3.3 Theaveragemonthlybalanceistheaggregateof:

(a) thetotaldailyclearedcreditbalance(calculatedattheendofeachBankingDay)ofallUKCitisavingsaccounts,

currentaccounts,investmentsandtimedeposits(includingtheSterlingequivalentofamountsheldinUKbased

foreigncurrencyaccounts)heldinyournameduringtherelevantmonth,includinganybalancesheldinaJoint

Account(whereyouarethefirst-namedaccountholderonthataccount),averagedacrossallBankingDaysinthe

relevantmonth;plus

(b) thevalueofanyInvestmentLinkedLifeInsuranceProductsheldinyournameorjointlywithanotherperson

(whereyouarethefirst-namedpolicyholderonthatproduct)asonthelastBankingDayoftherelevantmonth.

ForthepurposesoftheseCitiPlusCurrentAccountTermsandConditionsan“Investment Linked Life Insurance

Product”meansaninvestmentthattakestheformofalongterminsurancepolicythatwehavearrangedforyou.

3.4 Fortheavoidanceofdoubt:

(a) wewillassesswhetheramonthlyaccountfeeisapplicableonthelastBankingDayofeachcalendarmonth;

(b) wewillnotincludeanyamountsyouoweusunderanyoverdraftyoumayhaveindeterminingyourdailycleared

creditbalance;and

(c) forthepurposesofestablishingtheSterlingequivalentofamountsheldinUKbasedforeigncurrencyaccountswe

willusethe“Citi UK”referenceexchangerateapplicableonthelastBankingDayofthemonth.Detailsofthese

referenceexchangeratesareavailablethroughCitiPhoneBanking.

3.5 IfwedeductyourrelationshipfeefromanotheraccountinaccordancewithCondition3.2oftheseCitiPlusCurrent

AccountTermsandConditions,wherethataccountisaforeigncurrencyaccountwewillestablishtherelevantforeign

currencyequivalentoftherelationshipfeeusingthe“Citi UK”referenceexchangerateapplicableonthelastBanking

Dayofthemonth.

3.6 ForclientswhohavenotheldacurrentaccountwithCitipreviously,norelationshipfeewillbechargedinthefirst30

daysafteryouhaveopenedthisAccount.

3.7 IfyouhavemorethanoneAccountandyouarethefirst-namedAccountHolderonmorethanoneAccount:

(a) therelationshipfeewillbedebitedfromtheAccountthathasthehighestbalancewhichisheldinthesamename

(ornames)asthisAccount;and

(b) therelationshipfeewillonlybeappliedonceeachmonth.

3.8 IfyourAccountistreatedasdormantyouwillnotbechargedarelationshipfee.

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4. Daily withdrawals 4.1 YoumaymakewithdrawalsincashatcertainATMsdisplayingtheCardScheme/LINKlogo,subjectto:





4.2 ThelimitreferredtoinCondition4.1(a)oftheseCitiPlusCurrentAccountspecificTermsandConditionsisan

aggregatelimitthatappliesacrossalltheaccountsyouholdwithCitiUKfromwhichyouareabletomakeATM

withdrawals.

5. Cheque book NochequebookisavailablewiththisAccount.



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Citi Access Account (not available to new applicants)

1. Conditions

1.1 TheseAccountSpecificTermsandConditionsapplytotheCitiAccessAccount.TheyareadditionaltoandshouldbereadtogetherwiththeGeneralTermsandConditionsforCitiCurrentAccountsandSavingsAccounts.Ifthereisanyinconsistencybetweenthem,theseAccountSpecificTermsandConditionsoverridetheGeneralTermsandConditionsforCitiCurrentAccountsandSavingsAccountstotheextentoftheinconsistency.

1.2 “Account”,whenusedintheseCitiAccessAccountTermsandConditions,meanstheCitiAccessAccount.

2. Overdrafts

Anoverdraftmaybeavailabletoyouatourdiscretion.TobeeligibleforanoverdraftfacilityyoumustmakeminimummonthlypaymentsintoyourAccount.Wewilltellyouwhattheminimummonthlypaymentiswhenyouaskusforanoverdraft.

3. Daily withdrawals






3.2 ThelimitreferredtoinCondition3.1(a)oftheseCitiAccessAccountTermsandConditionsisanaggregatelimitthat

appliesacrossalltheaccountsyouholdwithCitiUKfromwhichyouareabletomakeATMwithdrawals.

4. Cheque book

NochequebookisavailablewiththisAccount.

5. Citi Debit Card

IfyoulinkyourCardtothisAccount,andyourcardtypepermitssuchuse,youwillbeabletousetheCardasaCitiDebitCardinrespectofthisAccount.

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US Dollar Current Account

1. Conditions 1.1 TheseAccountSpecificTermsandConditionsapplytotheUSDollarCurrentAccount.Theyareadditionaltoand

shouldbereadtogetherwiththeGeneralTermsandConditionsforCitiCurrentAccountsandSavingsAccounts.If

thereisanyinconsistencybetweenthemtheseAccountSpecificTermsandConditionsoverridetheGeneralTerms

andConditionsforCitiCurrentAccountsandSavingsAccountstotheextentoftheinconsistency.

1.2 “Account”,whenusedintheseUSDollarCurrentAccountTermsandConditions,meanstheUSDollarCurrentAccount.

1.3 TheAccountmustbeheldinUSDollars.

2. Direct Debits/Standing Orders YoucannotsetupDirectDebitsorStandingOrderstomakepaymentsfromtheAccount.



overdraft.

4. Interest Thisisanon-interestbearingaccount.

5. Daily withdrawals 5.1 IfyouhaveaCitigoldRelationship,youmaywithdrawupto£10,000cashperday(ortheequivalentinUSDollars

calculatedusingthe“Citi UK”referenceexchangerateapplicableonthatday)fromanybranchofCitiintheUK

withoutnoticeiftheamountyouwishtowithdrawiswithinyourAvailableBalance.Largerwithdrawalsrequiretwo

BankingDays’notice.DetailsofthesereferenceexchangeratesareavailablethroughCitiPhoneBanking.






5.3 ThelimitreferredtoinCondition5.2(a)oftheseUSDollarCurrentAccountTermsandConditionsisanaggregatelimit



(a) areaCitigoldPrivateClient;

(b) holdaCitigoldCurrentAccountwithCitiintheUK;

(c) holdaCitiPlusCurrentAccountwithCitiintheUK;or

(d) holdaCitiAccessCurrentAccountwithCitiintheUK.

6. Cheque book Nochequebookisavailablewiththisaccount.

7. Citi Debit Card

IfyoulinkyourCardtothisAccount,andyourcardtypepermitssuchuse,youwillbeabletousetheCardasaCitiDebit


8. Monthly Account Fees

8.1 Youwillnotbechargedamonthlyaccountfeeforanymonthforwhich:

(a) atthetimeweassesswhetherornotafeeisapplicableyouhold:

(i) aCitigoldCurrentAccountwithCitiintheUK;or

(ii) aCitiPlusAccountwithCitiintheUK;

(b) yourAccountholdsanaveragemonthlybalanceof£2,000(inUSDollarsequivalent)ormore;or

(c) yourAccounthasnotbeenopenfortheentiremonth.

8.2 FortheavoidanceofdoubtwewillassesswhetheramonthlyaccountfeeisapplicableonthelastBankingDayofeach

calendarmonth.

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8.3 ForJointAccounts,theAccountwillnotbechargedthemonthlyaccountfeeifatleastoneoftheAccountHolders

meetsthecriteriainCondition8.1.

8.4 IfyourAccountistreatedasdormantyouwillnotbechargedamonthlyaccountfee.

8.5 InallothercircumstancesyouwillbechargedamonthlyaccountfeeattheratesetoutintheRatesandCharges

Information.ThisfeewillbedeductedwithinthefirstfiveBankingDaysofthefollowingmonth.Thisfeeis

denominatedinSterlingandwillbeconvertedintothecurrencyoftheAccountusingthe“Citi UK”reference

exchangerateapplicableonthedaythefeeisdeducted.Detailsofthesereferenceexchangeratesareavailable

throughCitiPhoneBanking.Thefeewillbedebitedwithoutpriornotification(andmaybedebitedfromfundsavailable

withinyourarrangedoverdraftfacility).Inaddition,wemaydeductanyoverduemonthlyaccountfeesfromanyCiti

accountincreditwhichisheldinthesamename(ornames)asthisAccount.

8.6 TheaveragemonthlybalanceistheaveragebalanceyouhaveinyourAccountforagivencalendarmonth.Itis

calculatedbydividingthesumofyourdailyclearedcreditbalancesforallBankingDaysforthatmonthonthe

AccountbythenumberofBankingDaysintherelevantmonth.Yourclearedcreditbalanceiscalculatedattheendof

eachBankingDay.Fortheavoidanceofdoubtwewillnotincludeanyamountsyouoweusunderanyoverdraftyou

mayhaveindeterminingyourdailyclearedcreditbalance.

8.7 Forthepurposesofestablishingwhetheryouraveragemonthlybalanceis£2,000ormore(inUSDollars)wewilluse

the“Citi UK”referenceexchangerateapplicableonthelastBankingDayofthemonth.Detailsofthesereference

exchangeratesareavailablethroughCitiPhoneBanking.

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Euro Current Account

1. Conditions 1.1 TheseAccountSpecificTermsandConditionsapplytotheEuroCurrentAccount.Theyareadditionaltoandshouldbe

readtogetherwiththeGeneralTermsandConditionsforCitiCurrentAccountsandSavingsAccounts.Ifthereisany

inconsistencybetweenthem,theseAccountSpecificTermsandConditionsoverridetheGeneralTermsandConditions

forCitiCurrentAccountsandSavingsAccountstotheextentoftheinconsistency.

1.2 “Account”,whenusedintheseEuroCurrentAccountTermsandConditions,meanstheEuroCurrentAccount.

1.3 TheAccountmustbeheldinEuros.




overdraft.

4. Interest Thisisanon-interestbearingaccount.

5. Daily withdrawals 5.1 IfyouhaveaCitigoldRelationship,youmaywithdrawupto£10,000cashperday(ortheequivalentinEuros

calculatedusingthe“Citi UK”referenceexchangerateapplicableonthatday)fromanybranchofCitiintheUK

withoutnoticeiftheamountyouwishtowithdrawiswithinyourAvailableBalance.Largerwithdrawalsrequiretwo

BankingDays’notice.DetailsofthesereferenceexchangeratesareavailablethroughCitiPhoneBanking.






5.3 ThelimitreferredtoinCondition5.2(a)oftheseEuroCurrentAccountTermsandConditionsisanaggregatelimit







6. Cheque books NochequebookisavailablewiththisAccount.



8. Monthly Account Fees 8.1 Youwillnotbechargedamonthlyaccountfeeforanymonthforwhich:




(b) yourAccountholdsanaveragemonthlybalanceof£2,000(inEurosequivalent)ormore;or


8.2 FortheavoidanceofdoubtwewillassesswhetheramonthlyaccountfeeisapplicableonthelastBankingDayofeach

calendarmonth.

8.3 ForJointAccounts,theAccountwillnotbechargedthemonthlyaccountfeeifatleastoneoftheAccountHolders

meetsthecriteriainCondition8.1.


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8.5 InallothercircumstancesyouwillbechargedamonthlyaccountfeeattheratesetoutintheRatesandCharges

Information.ThisfeewillbedeductedwithinthefirstfiveBankingDaysofthefollowingmonth.Thisfeeis

denominatedinSterlingandwillbeconvertedintothecurrencyoftheAccountusingthe“Citi UK”reference

exchangerateapplicableonthedaythefeeisdeducted.Detailsofthesereferenceexchangeratesareavailable

throughCitiPhoneBanking.Thefeewillbedebitedwithoutpriornotification(andmaybedebitedfromfundsavailable

withinyourarrangedoverdraftfacility).Inaddition,wemaydeductanyoverduemonthlyaccountfeesfromanyCiti

accountincreditwhichisheldinthesamename(ornames)asthisAccount.

8.6 TheaveragemonthlybalanceistheaveragebalanceyouhaveinyourAccountforagivencalendarmonth.Itis

calculatedbydividingthesumofyourdailyclearedcreditbalancesforallBankingDaysforthatmonthonthe

AccountbythenumberofBankingDaysintherelevantmonth.Yourclearedcreditbalanceiscalculatedattheendof

eachBankingDay.Fortheavoidanceofdoubtwewillnotincludeanyamountsyouoweusunderanyoverdraftyou

mayhaveindeterminingyourdailyclearedcreditbalance.

8.7 Forthepurposesofestablishingwhetheryouraveragemonthlybalanceis£2,000ormore(inEuros)wewilluse

the“Citi UK”referenceexchangerateapplicableonthelastBankingDayofthemonth.Detailsofthesereference

exchangeratesareavailablethroughCitiPhoneBanking.

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Citi India Connect Current Account (not available to new applicants)

1. Conditions

1.1 TheseAccountSpecificTermsandConditionsapplytotheCitiIndiaConnectCurrentAccount.TheyareadditionaltoandshouldbereadtogetherwiththeGeneralTermsandConditionsforCitiCurrentAccountsandSavingsAccounts.Ifthereisanyinconsistencybetweenthem,theseAccountSpecificTermsandConditionsoverridetheGeneralTermsandConditionsforCitiCurrentAccountsandSavingsAccountstotheextentoftheinconsistency.

1.2 “Account”,whenusedintheseCitiIndiaConnectCurrentAccountTermsandConditions,meanstheCitiIndiaConnectCurrentAccount.

2. Overdrafts

Anoverdraftmaybeavailabletoyouatourdiscretion.TobeeligibleforanoverdraftfacilityyoumustmakeminimummonthlypaymentsintoyourAccount.Wewilltellyouwhattheminimummonthlypaymentiswhenyouaskusforanoverdraft.

3. Deposits

YouwillnotbeabletomakedepositsatbranchesofCitioutsidetheUK.

4. Daily withdrawals






4.2 ThelimitreferredtoinCondition4.1(a)intheseCitiIndiaConnectCurrentAccountTermsandConditionsisan


withdrawals.Thelimitapplicabletoyouwilldependonwhetheryou:





5. Cheque books


14

Flexible Saver Account

1. Conditions

1.1 TheseAccountSpecificTermsandConditionsapplytotheFlexibleSaverAccount.TheyareadditionaltoandshouldbereadtogetherwiththeGeneralTermsandConditionsforCitiCurrentAccountsandSavingsAccounts.Ifthereisanyinconsistencybetweenthem,theseAccountSpecificTermsandConditionsoverridetheGeneralTermsandConditionsforCitiCurrentAccountsandSavingsAccountstotheextentoftheinconsistency.

1.2 “Account”,whenusedintheseFlexibleSaverAccountTermsandConditions,meanstheFlexibleSaverAccount.

1.3 YoumayonlyhaveoneAccount.

1.4 TheAccountcanbeopenedwithaminimumof£1,butitisnotavailabletoanypersonwhohasheldanAccountatanytimeinthesixmonthspriortoapplyingforthisAccount.

2. Direct Debits/Standing Orders

YoucannotsetupDirectDebitsorStandingOrderstomakepaymentsfromtheAccount.

3. Overdrafts

ThereisnooverdraftfacilityavailableonthisAccount.

4. Interest

4.1 BalancethresholdsuptowhichinterestispayablearesetoutintheRatesandChargesInformation.Nointerestispayableonbalancesthatexceedthestatedamount.

4.2 Detailsofanyintroductorybonusrate(s)ofinterest(ifapplicable)andourstandardrate(s)ofinterestcanbefoundinourRatesandChargesInformation.

5. Withdrawals/Transfers

5.1 IfyouhaveaCitigoldRelationship,youmaywithdrawupto£10,000cashperdayinSterlingfromanybranchofCitiintheUKwithoutnoticeiftheamountyouwishtowithdrawiswithinyourAvailableBalance.LargerwithdrawalswillrequiretwoBankingDays’notice.






5.3 ThelimitreferredtoinCondition5.2(a)oftheseFlexibleSaverAccountTermsandConditionsisanaggregatelimit







5.4 YoumaymakeatransferfromtheAccounttoanothereligibleCitiaccountviaCitiPhoneBanking,CitiOnlineorifyouhaveaCitigoldRelationshipatabranchofCitiintheUK.

5.5 Ifyouwanttomakeatransfertoanon-CitiaccountyoumustinstructustomakethetransferusingCitiPhoneBankingandinaccordancewithourGeneralTermsandConditionsforCitiCurrentAccountsandSavingsAccounts.

6. Cheque books


7. Citi Card

7.1 IfyoulinkyourCitiATMCardtothisAccount,youwillbeabletousetheCardasaCitiATMCardinrespectofthisAccount.

7.2 IfyoulinkyourCitiDebitCardtothisAccountyouwillbeabletousetheCardasaCitiATMCardinrespectofthisAccount.YouwillnotbeabletouseitasaCitiDebitCardinrespectofanyaccount(includingthisAccount)whileitislinkedtothisAccount.

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Reward Saver Account

1. Conditions

1.1 TheseAccountSpecificTermsandConditionsapplytotheRewardSaverAccount.TheyareadditionaltoandshouldbereadtogetherwiththeGeneralTermsandConditionsforCitiCurrentAccountsandSavingsAccounts.Ifthereisanyinconsistencybetweenthem,theseAccountSpecificTermsandConditionsoverridetheGeneralTermsandConditionsforCitiCurrentAccountsandSavingsAccountstotheextentoftheinconsistency.

1.2 “Account”,whenusedintheseRewardSaverAccountTermsandConditions,meanstheRewardSaverAccount.

1.3 YoumayonlyhaveoneAccount.

1.4 TheAccountcanbeopenedwithaminimumof£1,butitisnotavailabletoanypersonwhohasheldanAccountatanytimeinthesixmonthspriortoapplyingforthisAccount.



3. Overdrafts


4. Interest

4.1 BalancethresholdsuptowhichinterestispayablearesetoutintheRatesandChargesInformation.Nointerestispayableonbalancesthatexceedthestatedamount.

4.2 Ifduringanycalendarmonth,youmakeawithdrawalfromyourAccount(otherthanifyouclosetheAccountandwithdrawthefullbalance),nointerestwillbepayableforthatmonth.

4.3 InterestwillbeappliedtoyourAccountandcompoundedonamonthlybasis,inarrears,onthelastBankingDayofeachcalendarmonth.YoucannotrequestthatinterestisappliedtoyourAccountandcompoundedonadifferentdate.



5.1 IfyouhaveaCitigoldRelationship,youmaywithdrawupto£10,000cashperdayinSterlingfromanybranchofCitiintheUKwithoutnoticeiftheamountyouwishtowithdrawiswithinyourAvailableBalance.LargerwithdrawalswillrequiretwoBankingDays’notice.






5.3 ThelimitreferredtoinCondition5.2(a)oftheseRewardSaverAccountTermsandConditionsisanaggregatelimit









6. Cheque books


7. Citi ATM Card

7.1 IfyoulinkyourCitiATMCardtothisAccountyouwillbeabletousetheCardasaCitiATMCardinrespectofthisAccount.


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US Dollar Reward Saver Account

1. Conditions

1.1 TheseAccountSpecificTermsandConditionsapplytotheUSDollarRewardSaverAccount.TheyareadditionaltoandshouldbereadtogetherwiththeGeneralTermsandConditionsforCitiCurrentAccountsandSavingsAccounts.Ifthereisanyinconsistencybetweenthem,theseAccountSpecificTermsandConditionsoverridetheGeneralTermsandConditionsforCitiCurrentAccountsandSavingsAccountstotheextentoftheinconsistency.

1.2 “Account”,whenusedintheseUSDollarRewardSaverAccountTermsandConditions,meanstheUSDollarRewardSaverAccount.

1.3 YoumayonlyhaveoneAccount(whetherasasoleAccountHolderorJointAccountHolder).

1.4 ThisAccountisnotavailabletoanypersonwhohasheldanAccountatanytimeinthesixmonthspriortoapplyingforthisAccount.

1.5 TheAccountmustbeheldinUSDollars.



3. Overdrafts


4. Interest

4.1 Wepayinterestontheclearedcreditbalanceforbalancesuptoandincluding$2,000,000.Nointerestispayableonbalancesthatexceedthisamount.


4.3 InterestwillbeappliedtoyourAccountandcompoundedonamonthlybasis,inarrears,onthelastBankingDayofeachcalendarmonth.YoucannotrequestthatinterestisappliedtoyourAccount,andcompounded,onadifferentdate.



5.1 IfyouhaveaCitigoldRelationship,youmaywithdrawtheUSDollarequivalentofupto£10,000cashperday(calculatedusingthe“Citi UK”referenceexchangerateapplicableonthatdayfromanybranchofCitiintheUK)withoutnoticeiftheamountyouwishtowithdrawiswithinyourAvailableBalance.LargerwithdrawalswillrequiretwoBankingDays’notice.DetailsofthesereferenceexchangeratesareavailablethroughCitiPhoneBanking.






5.3 ThelimitreferredtoinCondition5.2(a)oftheseUSDollarRewardSaverAccountTermsandConditionsisan


withdrawals.Thelimitapplicabletoyouwilldependonwhetheryou:







6. Cheque books


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7. Citi ATM Card








(b) yourAccountholdsanaveragemonthlybalanceof£2,000ormoreinUSDollars;or


8.2 FortheavoidanceofdoubtwewillassesswhetheramonthlyaccountfeeisapplicableonthelastBankingDayofeachcalendarmonth.

8.3 ForJointAccounts,theAccountwillnotbechargedthemonthlyaccountfeeifatleastoneoftheAccountHoldersmeetsthecriteriainCondition8.1.


8.5 InallothercircumstancesyouwillbechargedamonthlyaccountfeeattheratesetoutintheRatesandChargesInformation.ThisfeewillbedeductedwithinthefirstfiveBankingDaysofthefollowingmonth.ThisfeeisdenominatedinSterlingandwillbeconvertedintothecurrencyoftheAccountusingthe“Citi UK”referenceexchangerateapplicableonthedaythefeeisdeducted.DetailsofthesereferenceexchangeratesareavailablethroughCitiPhoneBanking.Thefeewillbedebitedwithoutpriornotification.Inaddition,wemaydeductanyoverduemonthlyaccountfeesfromanyCitiaccountincreditwhichisheldinthesamename(ornames)asthisAccount.

8.6 TheaveragemonthlybalanceistheaveragebalanceyouhaveinyourAccountforagivencalendarmonth.ItiscalculatedbydividingthesumofyourdailyclearedcreditbalancesforallBankingDaysforthatmonthontheAccountbythenumberofBankingDaysintherelevantmonth.YourclearedcreditbalanceiscalculatedattheendofeachBankingDay.

8.7 Forthepurposesofestablishingwhetheryouraveragemonthlybalanceis£2,000ormore(inUSDollars)wewillusethe“Citi UK”referenceexchangerateapplicableonthelastBankingDayofthemonth.DetailsofthesereferenceexchangeratesareavailablethroughCitiPhoneBanking.

18

Euro Reward Saver Account

1. Conditions

1.1 TheseAccountSpecificTermsandConditionsapplytotheEuroRewardSaverAccount.TheyareadditionaltoandshouldbereadtogetherwiththeGeneralTermsandConditionsforCitiCurrentAccountsandSavingsAccounts.Ifthereisanyinconsistencybetweenthem,theseAccountSpecificTermsandConditionsoverridetheGeneralTermsandConditionsforCitiCurrentAccountsandSavingsAccountstotheextentoftheinconsistency.

1.2 “Account”,whenusedintheseEuroRewardSaverAccountTermsandConditions,meanstheEuroRewardSaverAccount.

1.3 YoumayonlyhaveoneAccount(whetherasasoleAccountHolderorJointAccountHolder).

1.4 ThisAccountisnotavailabletoanypersonwhohasheldanAccountatanytimeinthesixmonthspriortoapplyingforthisAccount.

1.5 TheAccountmustbeheldinEuros.



3. Overdrafts


4. Interest

4.1 Wepayinterestontheclearedcreditbalanceforbalancesuptoandincluding€5,000,000.Nointerestispayableonbalancesthatexceedthisamount.


4.3 InterestwillbeappliedtoyourAccountandcompoundedonamonthlybasis,inarrears,onthelastBankingDayofeachcalendarmonth.YoucannotrequestthatinterestisappliedtoyourAccount,andcompounded,onadifferentdate.



5.1 IfyouhaveaCitigoldRelationship,youmaywithdrawtheEuroequivalentofupto£10,000cashperday(calculatedusingthe“Citi UK”referenceexchangerateapplicableonthatday)fromanybranchofCitiintheUKwithoutnoticeiftheamountyouwishtowithdrawiswithinyourAvailableBalance.LargerwithdrawalswillrequiretwoBankingDays’notice.DetailsofthesereferenceexchangeratesareavailablethroughCitiPhoneBanking.






5.3 ThelimitreferredtoinCondition5.2(a)oftheseEuroRewardSaverAccountTermsandConditionsisanaggregate

limitthatappliesacrossalltheaccountsyouholdwithCitiUKfromwhichyouareabletomakeATMwithdrawals.The

limitapplicabletoyouwilldependonwhetheryou:







6. Cheque books


19

7. Citi ATM Card








(b) yourAccountholdsanaveragemonthlybalanceof£2,000ormoreinEuros;or



8.3 ForJointAccounts,theAccountwillnotbechargedthemonthlyaccountfeeifatleastoneoftheAccountHoldersmeetsthecriteriainCondition8.1.


8.5 InallothercircumstancesyouwillbechargedamonthlyaccountfeeattheratesetoutintheRatesandChargesInformation.ThisfeewillbedeductedwithinthefirstfiveBankingDaysofthefollowingmonth.ThisfeeisdenominatedinSterlingandwillbeconvertedintothecurrencyoftheAccountusingthe“Citi UK”referenceexchangerateapplicableonthedaythefeeisdeducted.DetailsofthesereferenceexchangeratesareavailablethroughCitiPhoneBanking.Thefeewillbedebitedwithoutpriornotification.Inaddition,wemaydeductanyoverduemonthlyaccountfeesfromanyCitiaccountincreditwhichisheldinthesamename(ornames)asthisAccount.


8.7 Forthepurposesofestablishingwhetheryouraveragemonthlybalanceis£2,000ormore(inEuros)wewillusethe“Citi UK”referenceexchangerateapplicableonthelastBankingDayofthemonth.DetailsofthesereferenceexchangeratesareavailablethroughCitiPhoneBanking.

20

Foreign Currency Deposit Accounts

1. Conditions 1.1 TheseAccountSpecificTermsandConditionsapplytotheForeignCurrencyDepositAccount.Theyareadditionalto

andshouldbereadtogetherwiththeGeneralTermsandConditionsforCitiCurrentAccountsandSavingsAccounts.Ifthereisanyinconsistencybetweenthem,theseAccountSpecificTermsandConditionsoverridetheGeneralTermsandConditionsforCitiCurrentAccountsandSavingsAccountstotheextentoftheinconsistency.

1.2 “Account”,whenusedintheseForeignCurrencyDepositAccountTermsandConditions,meanstheForeignCurrencyDepositAccount.

1.3 TheAccountmayonlybeheldincertaincurrencies.AseparateAccountwillbeopenedforeachcurrencyyouwishtodeposit.


3. Overdrafts ThereisnooverdraftfacilityavailableonthisAccount.

4. Daily Withdrawals 4.1 IfyouhaveaCitigoldRelationship,youmaywithdrawupto£10,000cashperdayinSterlingorthecurrency

equivalent(calculatedusingthe“Citi UK”referenceexchangerateapplicableonthatday)fromanybranchofCitiintheUK,subjecttoavailablefundsinbranch,ifsuchamountiswithinyourAvailableBalance.LargerwithdrawalswillrequiretwoBankingDays’notice.DetailsofthesereferenceexchangeratesareavailablethroughCitiPhoneBanking.

4.2 IfyouwishtowithdrawcashotherthanSterling,EurosorUSDollars,thenyoumustgiveCitiatleasttwoBankingDays’notice.






4.4 ThelimitreferredtoinCondition4.3(a)oftheseForeignCurrencyDepositTermsandConditionsisanaggregatelimit







5. Interest 5.1 Interest,ifapplicable,willbecalculateddailyandappliedtotheaccountonamonthlybasis.

5.2 Interestiscalculatedona365-daybasisforSterlingandHongKongDollarAccountsandona360-daybasisforAccountsinallothercurrencies.

6. Cheque books NochequebookisavailablewiththisAccount.

7. Citi ATM Card 7.1 IfyoulinkyourCitiATMCardtothisAccount,youwillbeabletousetheCardasaCitiATMCardinrespectofthisAccount.


8. Monthly Account Fees 8.1 Youwillnotbechargedamonthlyaccountfeeforanymonthforwhich: (a) atthetimeweassesswhetherornotafeeisapplicableyouhold: (i) aCitigoldCurrentAccountwithCitiintheUK;or (ii) aCitiPlusAccountwithCitiintheUK; (b) yourAccountholdsanaveragemonthlybalanceof£2,000ormore(inforeigncurrencyequivalent);or (c) yourAccounthasnotbeenopenfortheentiremonth.

21


8.3 ForJointAccounts,theAccountwillnotbechargedthemonthlyaccountfeeifoneoftheAccountHoldersmeetsthecriteriainCondition8.1.


8.5 InallothercircumstancesyouwillbechargedamonthlyaccountfeeattheratesetoutintheRatesandChargesInformation.ThisfeewillbedeductedwithinthefirstfiveBankingDaysofthefollowingmonth.ThisfeeisdenominatedinSterlingandwillbeconvertedintothecurrencyoftheAccountusingthe“Citi UK”referenceexchangerateapplicableonthedaythefeeisdeducted.DetailsofthesereferenceexchangeratesareavailablethroughCitiPhoneBanking.Thefeewillbedebitedwithoutpriornotification.Inaddition,wemaydeductanyoverduemonthlyaccountfeeswithoutpriornotificationfromanyCitiaccountincreditwhichisheldinthesamename(ornames)asthisAccount.


8.7 Forthepurposesofestablishingwhetheryouraveragemonthlybalanceis£2,000ormore(inforeigncurrency)wewillusethe“Citi UK”referenceexchangerateapplicableonthelastBankingDayofthemonth.DetailsofthesereferenceexchangeratesareavailablethroughCitiPhoneBanking.

22

Time Deposit Accounts (Accounts opened on or after 9 March 2010 but before 7 April 2014)(not available to new applicants)

1. Conditions 1.1 TheseAccountSpecificTermsandConditionsapplytotheTimeDepositAccount.Theyareadditionaltoandshouldbe

readtogetherwiththeGeneralTermsandConditionsforCitiCurrentAccountsandSavingsAccounts.Ifthereisanyinconsistencybetweenthem,theseAccountSpecificTermsandConditionsoverridetheGeneralTermsandConditionsforCitiCurrentAccountsandSavingsAccountstotheextentoftheinconsistency.

1.2 “Account”,whenusedintheseTimeDepositAccountTermsandConditions,meansaTimeDepositAccountopenedonorafter9March2010andbefore7April2014.

1.3 TheAccountmayonlybeheldincertaincurrencies(youcanaskusfordetailsofcurrenciesinwhichtheAccountisavailable).YoumaymakeonlyonedepositperAccount(butmayopenmorethanoneAccount).

1.4 ACitisavingsorcurrentaccount(otherthanaTimeDepositorFixedRateBondaccount)inthesamename(s)andcurrencyastheAccount(your“nominated Citi account”)mustbeopenedbeforeatimedepositcanbeaccepted.Ifyoualreadyhaveanappropriateaccount,anewoneisnotrequired.

1.5 The14-daycancellationperiodspecifiedintheGeneralTermsandConditionsforCitiCurrentAccountsandSavingsAccountsdoesnotapplytothisTimeDepositAccount.

1.6 WedonotconsideryourAccounttobeanaccountusedfortheplacing,transferringand/orwithdrawingfunds.TheonlypaymentsmadetoandfromthisAccountareyourinitialdepositand,onmaturity,therepaymentoftheinitialdepositandpaymentofinterestinaccordancewiththeseAccountSpecificTermsandConditions.

2. Deposits 2.1 AninitialminimumdepositisrequiredtoopentheAccount.WewilltellyouwhatthisisbeforeyouopentheAccount.

Wewillalsotellyouthemaximumdepositthatcanbemade. 2.2 YourdepositmustbemadebyfundstransferfromyournominatedCitiaccount(chequeswillnotbeaccepted).This

transfermustberequestedatthetimeofopeningtheAccount. 2.3 NofurtherdepositsandnowithdrawalsarepermittedduringthetermoftheAccount,subjecttoearlytermination

underCondition4below.

3. Term 3.1 ThetermoftheAccountisasagreedwithyouonAccountopeningandthematuritydatewillbethefirstBankingDay

followingtheendofthatterm. 3.2 SubjecttoCondition4below,fundsmustremainondepositforthechosenterm,withfundsavailableforuseonthe

maturitydate. 3.3 ThebalanceoftheAccountwillbepaidintoyournominatedCitiaccountonmaturity.

4. Early Termination Achargeequivalentto60days’interestonthebalanceoftheAccountfortermsofuptoandincluding6months,or120

days’interestfortermsover6monthswillbeincurredifyoucloseyourAccountbeforethematuritydate(exceptwheretheAccountisclosedfollowingthedeathoftheAccountHolder).Thisfeewillbedeductedfirstfromanyaccruedinterest,butwherethereisinsufficientaccruedinteresttomeetthechargeinfull,anyadditionalsumwillbedeductedfromthecapitalinyourAccount.TheremainingbalancewillbetransferredtoyournominatedCitiaccount.Oncethewithdrawalhasbeenmade,theAccountwillbeclosed.Partialwithdrawalsarenotpermitted.WewillnotchargeforearlyterminationifweclosetheAccountforoneofthereasonslistedinCondition26.1(a)orpursuanttoCondition20.5oftheGeneralTermsandConditionsforCitiCurrentAccountsandSavingsAccounts,exceptwhereweclosetheAccountbecauseyouhavecancelledorterminatedyourAgreementwithus.

5. Interest 5.1 TheinterestrateisfixedforthetermoftheAccount.WewilltellyoutheratethatappliestoyourAccountbeforeyou

openit. 5.2 InterestwillbecalculateddailyandappliedtotheAccountattheendoftheterm. 5.3 Interestiscalculatedona365-daybasisforSterlingandHongKongDollarAccountsandona360-daybasisfor

Accountsinallothercurrencies.

6. Tax 6.1 Interestispaidnetofbasicrateincometaxonanytimedeposit,unlessyouqualifyforgrossinterestpayments,in

whichcaseyoumustnotifyusandprovideuswiththeappropriatedocumentation. 6.2 Whererequiredbylaworregulation,informationregardingyouraccountmaybereportedtotaxationauthoritiesin

theUKorotherjurisdictions.

7. Nominated Citi account IfyournominatedCitiaccountisnolongeropenatthetimeofmaturity(orearlierclosure),wewilltransferanyfundsdue

onmaturitytoanotherCitiaccountheldbyyou.IfyoudonothaveanappropriateCitiaccount,wewillcontactyouandaskyoutoopenaCitiaccounttoreceivethebalanceoftheAccount,ortogiveusthedetailsofacurrentaccountinyourname(orjointnamesforanAccountheldbyJointAccountHolders)withanotherbankintheUK.

23

8. Changes to these terms WewillnotchangeanyofthesetermsexceptforareasonlistedinCondition30.3(a)oftheGeneralTermsandConditions

forCitiCurrentAccountsandSavingsAccounts.AnychangeswillbenotifiedinaccordancewiththeGeneralTermsandConditionsforCitiCurrentAccountsandSavingsAccounts.

24

Time Deposit Accounts (Accounts opened on or after 7 April 2014)

1. Conditions 1.1 TheseAccountSpecificTermsandConditionsapplytotheTimeDepositAccount.Theyareadditionaltoandshouldbe


1.2 “Account”,whenusedintheseTimeDepositAccountTermsandConditions,meansaTimeDepositAccountopenedonorafter7April2014.

1.3 TheAccountmayonlybeheldincertaincurrencies(youcanaskusfordetailsofcurrenciesinwhichtheAccountisavailable).YoumaymakeonlyonedepositperAccount(butmayopenmorethanoneAccount).

1.4 ACitisavingsorcurrentaccount(otherthanaTimeDepositorFixedRateBond)inthesamename(s)astheAccount(your“nominated Citi account”)mustbeopenedbeforeatimedepositcanbeaccepted.Ifyoualreadyhaveanappropriateaccount,anewoneisnotrequired.

1.5 The14-daycancellationperiodspecifiedintheGeneralTermsandConditionsforCitiCurrentAccountsandSavingsAccountsdoesnotapplytothisAccountandyoucannotcanceltheagreementforthisAccountonceyouhavemadeadepositintoit.


2. Deposits 2.1 AninitialminimumdepositisrequiredtoopentheAccount.WewilltellyouwhatthisisbeforeyouopentheAccount.

Wewillalsotellyouthemaximumdepositthatcanbemade. 2.2 YourdepositmustbemadebyfundstransferfromyournominatedCitiaccount(chequeswillnotbeaccepted).

ThistransfermustberequestedatthetimeofopeningtheAccount.IfyournominatedCitiaccountisinacurrencydifferenttothecurrencyoftheAccount,wewillconvertyourdepositintothecurrencyoftheAccountusingthe“Citi UK”referenceexchangerateapplicableatthetimeyoumakeyourdeposit.YoucancontactCitiPhoneBankingforfulldetailsoftheactualratesusedtoconvertaforeigncurrencypaymentandwewillprovideyouwiththeapplicableratebeforeyoumakeyourdeposit.

2.3 NofurtherdepositsandnowithdrawalsarepermittedduringthetermoftheAccount,subjecttoearlyterminationunderCondition4below.


followingtheendofthatterm. 3.2 WhenyouopenyourAccountyouwillbeaskedifyouwishtheAccounttorenewautomaticallyattheendoftheterm. 3.3 IfyoudonotchooseforyourAccounttorenewautomatically,itwillmatureafterthestatedterm. 3.4 IfyoudochooseforyourAccounttorenewautomatically,youcanchoosefor: (a) youroriginaldepositandanyinterestearned;or (b) justyouroriginaldeposit, tobeplacedinanewAccountforasimilarterm,withthesamerightsofaccess,astheoriginalAccount.Wewill

contactyoubeforethishappenstoletyouknowtheratethatwillapplytoyournewAccount.OurratesareavailablethroughCitiOnlineorCitiPhoneBanking.

3.5 WewillcontinuetodothisuntilwereceiveinstructionsfromyoutothecontraryoruntilsuchtimeastheAccountisnolongeravailableforrenewal.Ifyouwishsubsequentlytorevokeyourrenewalinstructionsyoumustgiveustheinstructiontorevokenolaterthan11.30amUKtimeontheBankingDaypriortothematuritydateusingCitiOnlineorbyCitiPhoneBanking.

3.6 SubjecttoCondition4below,fundsmustremainondepositforthechosenterm,withfundsavailableforuseonthematuritydate.

3.7 ThebalanceoftheAccountwillbepaidintoyournominatedCitiaccountonmaturity.IfyournominatedCitiaccountisinacurrencydifferenttothecurrencyoftheAccount,wewillconvertyourdepositintothecurrencyoftheAccountusingthe“Citi UK”referenceexchangerateapplicableatthetimewemakethetransfer.YoucancontactCitiPhoneBankingforfulldetailsoftheactualratesusedtoconvertaforeigncurrencypaymentandyoucanobtaintheapplicableratebeforewepaythebalanceintoyournominatedCitiaccount.

4. Early Termination 4.1 IfyouterminateyourAccountbeforethematuritydate,youwillincuracharge(exceptwheretheAccountisclosed

followingthedeathoftheAccountHolder).Thatchargewillreflectthecostwereasonablyexpect,atthetimeyounotifyusthatyouwillbeterminatingyourAccount,thatwewillincurasaresultofhavingtoreplaceyourdepositattheratethenavailableinthemarketfordepositsofthatsize.

4.2 Wewillcalculatethischarge(the“Early Termination Charge”)asfollows: (a) firstly,weworkoutthetimeremainingofyourtermasafractionoftheinterestcalculationperiodforyour

Account(interestiscalculatedonthebasisofa365-dayperiodforSterlingandHongKongDollarAccountsandonthebasisofa360-dayperiodforAccountsinallothercurrencies)andapplythatfractiontoyourdepositgivingusyour“Pro-Rated Deposit”;

25

(b) thenweapplyyourAccount’sfixedinterestratetoyourPro-RatedDeposittoworkoutthe“Fixed Rate Cost”; (c) then,weapplyadailypercentageratetoyourPro-RatedDeposittoworkoutthe“Termination Cost”.Thedaily

percentagerateusedincalculatingtheTerminationCostwillreflectthecostofsourcingtheequivalentfundsfromthemarketfortheremainderofyourterm;and

(d) finally,weworkoutyourEarlyTerminationCharge,whichistheTerminationCostminustheFixedRateCost. 4.3 IftheamountcalculatedunderCondition4.2isnegative,youwillnotneedtopayanyEarlyTerminationCharge. 4.4 Beforewemakeanyearlyrepaymentofyourdeposit,wewilltellyoutheestimatedEarlyTerminationCharge(based

ontheestimateddateoftermination).FurtherdetailsofhowwecalculateearlyterminationchargesaresetoutinourRatesandChargesInformation.

4.5 Thisfeewillbedeductedonlyfromaccruedinterest.WewillnotdeductanythingfromthecapitalinyourAccount,evenifweareunabletocollectthewholeamountowedtous.

4.6 TheremainingbalancewillbetransferredtoyournominatedCitiaccount.Oncethewithdrawalhasbeenmade,theAccountwillbeclosed.Partialwithdrawalsarenotpermitted.IfyournominatedCitiaccountisinacurrencydifferenttothecurrencyoftheAccount,wewillconvertyourdepositintothecurrencyoftheAccountusingthe“Citi UK”referenceexchangerateapplicableatthetimewemakethetransfer.YoucancontactCitiPhoneBankingforfulldetailsoftheactualratesusedtoconvertaforeigncurrencypaymentandyoucanobtaintheapplicableratebeforewetransfertheremainingbalancetoyournominatedCitiaccount.

4.7 IntheeventofthedeathofasingleAccountHolder,theAccountmaybeclosedwithoutchargebythepersonalrepresentativesoftheAccountHolder(afterprovidingevidenceoftheirauthority)andallaccruedinterestduetothedateofclosurewillbepaid.IftheAccountisheldinjointnamesandonepartydies,theAccountwillbetransferredintothename(s)ofthesurvivingAccountHolder(s)onreceiptofthedeathcertificate.

4.8 ItwillnormallytaketwoBankingDaysforanaccountclosurerequesttobeprocessed.Wecanonlyactonyourinstructionstotransferthefundsoncethatprocessiscomplete.

4.9 WewillnotchargeforearlyterminationifweclosetheAccountforoneofthereasonslistedinCondition26.1(a)orpursuanttoCondition20.5oftheGeneralTermsandConditionsforCitiCurrentAccountsandSavingsAccounts,exceptwhereweclosetheAccountbecauseyouhavecancelledorterminatedyourAgreementwithus.


openit. 5.2 InterestwillbecalculateddailyandappliedtotheAccountattheendofthetermofyourAccount. 5.3 Interestiscalculatedona365-daybasisforSterlingandHongKongDollarAccountsandona360-daybasisfor

Accountsinallothercurrencies.





26

Fixed Rate Bond

1. Conditions 1.1 TheseAccountSpecificTermsandConditionsapplytotheFixedRateBond.Theyareadditionaltoandshouldbe


1.2 “Account”,whenusedintheseFixedRateBondTermsandConditions,meanstheFixedRateBond. 1.3 TheAccountmayonlybeheldincertaincurrencies(youcanaskusfordetailsofcurrenciesinwhichtheAccountis

available).YoumaymakeonlyonedepositperAccount(butmayopenmorethanoneAccount). 1.4 ACitiSterlingsavingsorcurrentaccount(excludingTimeDepositandFixedRateBondaccounts)inthesamename(s)

andcurrencyastheAccount(your“nominated Citi account”)mustbeopenedwithCitibeforeadepositcanbeaccepted.Ifyoualreadyhaveanappropriatesavingsorcurrentaccount,anewoneisnotrequired.


2. Deposits 2.1 Aninitialminimumdepositof£500(orcurrencyequivalent)isrequiredtoopentheAccount.Youmaynotmakea

depositofmorethan£3,000,000(orcurrencyequivalent). 2.2 YourdepositmustbemadebyfundstransferredfromyournominatedCitiaccount(chequeswillnotbeaccepted).

ThistransfermustberequestedatthetimeofopeningtheAccount. 2.3 NofurtherdepositsandnowithdrawalsarepermittedduringthetermoftheAccount,subjecttoearlytermination

underCondition4below.


followingtheendofthatterm. 3.2 Fundsmustremainondepositforthewholeterm,withfundsavailableforuseonthematuritydate. 3.3 ThebalanceoftheAccount(includingallaccruedinterest)willbepaidintoyournominatedCitiaccountonmaturity.

4. Early Termination 4.1 IfyouterminateyourAccountbeforethematuritydate,youwillincuracharge(exceptwheretheAccountisclosed

followingthedeathoftheAccountHolder).Thatchargewillreflectthecostwereasonablyexpect,atthetimeyounotifyusthatyouwillbeterminatingyourAccount,thatwewillincurasaresultofhavingtoreplaceyourdepositattheratethenavailableinthemarketfordepositsofthatsize.

4.2 Wewillcalculatethischarge(the“Early Termination Charge”)asfollows: (a) firstly,weworkoutthetimeremainingofyourtermasafractionoftheinterestcalculationperiodforyour

Account(interestiscalculatedonthebasisofa365-dayperiodforSterlingandHongKongDollarAccountsandonthebasisofa360-dayperiodforAccountsinallothercurrencies)andapplythatfractiontoyourdepositgivingusyour“Pro-Rated Deposit”;

(b) thenweapplyyourAccount’sfixedinterestratetoyourPro-RatedDeposittoworkoutthe“Fixed Rate Cost”; (c) then,weapplyadailypercentageratetoyourPro-RatedDeposittoworkoutthe“Termination Cost”.Thedaily

percentagerateusedincalculatingtheTerminationCostwillreflectthecostofsourcingtheequivalentfundsfromthemarketfortheremainderofyourterm;and

(d) finally,weworkoutyourEarlyTerminationCharge,whichistheTerminationCostminustheFixedRateCost. 4.3 IftheamountcalculatedunderCondition4.2isnegative,youwillnotneedtopayanyEarlyTerminationCharge. 4.4 Beforewemakeanyearlyrepaymentofyourdeposit,wewilltellyoutheestimatedEarlyTerminationCharge(based

ontheestimateddateoftermination).FurtherdetailsofhowwecalculateearlyterminationchargesaresetoutinourRatesandChargesInformation.

4.5 Thisfeewillbedeductedonlyfromaccruedinterest.WewillnotdeductanythingfromthecapitalinyourAccount,evenifweareunabletocollectthewholeamountowedtous.

4.6 TheremainingbalancewillbetransferredtoyournominatedCitiaccount.Oncethewithdrawalhasbeenmade,theAccountwillbeclosed.Partialwithdrawalsarenotpermitted.

4.7 IntheeventofthedeathofasingleAccountHolder,theAccountmaybeclosedwithoutchargebythepersonalrepresentativesoftheAccountHolder(afterprovidingevidenceoftheirauthority)andallaccruedinterestduetothedateofclosurewillbepaid.IftheAccountisheldinjointnamesandonepartydies,theAccountwillbetransferredintothename(s)ofthesurvivingAccountHolder(s)onreceiptofthedeathcertificate.

4.8 ItwillnormallytaketwoBankingDaysforanaccountclosurerequesttobeprocessed.Wecanonlyactonyourinstructionstotransferthefundsoncethatprocessiscomplete.

4.9 WewillnotchargeforearlyterminationifweclosetheAccountforoneofthereasonslistedinCondition26.1(a)orpursuanttocondition20.5oftheGeneralTermsandConditionsforCitiCurrentAccountsandSavingsAccounts,exceptwhereweclosetheAccountbecauseyouhavecancelledorterminatedyourAgreementwithus.

27


openit. 5.2 InterestwillbecalculateddailyandappliedtotheAccountattheendofthetermofyourAccount. 5.3 AllinterestpaymentswillbemadetotheAccount.Wewillnotpayinteresttoanyotheraccount(exceptassetoutin

Condition3.3above).





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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