Instant appreciation at Queensbay Mall. Courtesy of your Citi Rewards points. MARCH 2010

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1 MARCH 2010 Instant appreciation at Queensbay Mall. Courtesy of your Citi Rewards points. Visit our redemption booth at the LG Floor Concourse from now till 31 Mar 2010 and redeem items from Thermos, Tefal, Philips and Playgo.

2 Shop with your Citibank credit card at Queensbay Mall, Penang for more rewards. Instant Citi Rewards points Redemption INSTANT REDEMPTION Daily Mystery Gifts Use your Citi Rewards points to redeem offer items from Thermos, Tefal, Philips and Playgo Spend any amount and redeem a Secret Recipe voucher for only 500 Citi Rewards points (NP: 1,500 Citi Rewards points) Spend a minimum of RM50 with your Citibank credit card. (Non-Citibank cardmembers need to spend a minimum of RM100 to qualify) Get a mystery gift Visit our Citibank booth (Lower Ground Floor Concourse, near Dave s Deli, Queensbay Mall) today to enjoy all these offers! Terms & conditions apply. All redemption items and daily mystery gifts are on while stocks last basis. Only Citibank Platinum, Gold, Silver, Clear, Choice and CitiBusiness (personal underwriting) principal credit cards are eligible for Instant Citi Rewards items and Secret Recipe voucher redemptions. Redemption of daily mystery gift and Secret Recipe voucher is only valid on the same day as the spend at any retail and dining outlets within Queensbay Mall (excludes banks, public service centres, utility service centres, cinemas, travel agencies, insurance services and money changers). Secret Recipe voucher redemption limited to one-per-card-per-day. Eligibility to receive mystery gift: Citibank cardholders must spend minimum RM50 (in not more than 3 accumulative receipts) using any Citibank credit card and limited to one-per-card-per-day; Non-Citibank cardholders must spend minimum RM100 (in not more than 3 accumulative receipts) and limited to one-per-customer-per-day. Gifts limited to 100 per day on fi rst come fi rst serve basis. Citibank reserves the right at its absolute discretion to vary, remove or add to any of these items and its pricing as well as terms and conditions, including substituting the daily mystery gifts from time to time without any prior notice. Citibank s decision on all matters relating to this promotion will be fi nal and binding on all cardholders. Please refer to citibank.com.my for full set of terms and conditions.

3 Check out Queensbay Mall s hottest outlets for fashion and dining! FASHION FOOD & BEVERAGE Discover the latest in fashion, electronics, health & beauty, jewellery and more! ACCESSORIES, BAGS & SHOES BOOKS & GIFTS HOME FURNISHING & ELECTRICAL COMPUTERS, MOBILE & DIGITAL JEWELLERY Aldo beadszone Crocs Nagoya Samsonite Shoepoint Vince & Co Borders Nice Day S&J Gift and Collection Akemi Uchi Arredo Dunlopillo Suite Harvey Norman Home s Harmony Compusonic Computer Centre House of Notebook Iriver Kodak Express Goldheart Habib Jewel Lazo Diamond Jewellery Poh Kong Holdings Bhd WELLNESS, HEALTH & BEAUTY TIMEPIECES & OPTICAL SPECIALTY STORES 101 Hair Care Alan Hair Beauty Aster Spring Beauty Impact Blaze Nail Beauty & Academy Blu Scents Aromatherapy Elianto Extreme Hair Specialist Fitness Concept Jurlique Marie France Bodyline OSIM Slimming Sanctuary Takasima The New Hair Icon tns skin l@b World of Feng Shui City Chain Optical 88 Tip Top Time Luggage Empire Rofina Swiss Winter Time Universal Traveller INSTANT REDEMPTION Visit Queensbay Mall today for more great deals.

4 20% off total food bill Happy Hours all day & night long for all draught beers Valid till 30 Apr 2010 and for dine-in only, on weekends and public holidays. DINING/HOTEL 50% off the 2 nd (lower-priced) Western Main Course Valid till 31 May 2010 and for dine-in only. Offer excludes pasta. Not valid on special occasions, eve of and on public holidays. SPECIAL ROOM RATE: RM208++ for Deluxe Room (room only) Buy 2 Nights Get 1 Night FREE Valid for Friday, Saturday & Sunday only. Advance reservation is required and rooms are subject to availability. SWEZ BRASSERIE, THE LOUNGE, EE CHINESE CUISINE, EYUZU JAPANESE CUISINE, THE CIGAR DIVAN 10% off total food bill Not valid for promotional items and all festive occasions. Not inclusive of tobacco, cigar and alcoholic beverages

5 If you had a memorable makan-makan moment from Citibank Gourmet Pleasures, share it with us at SPECIAL RATE FOR ROOM ACCOMMODATION: RM195nett for a Superior Room - Complimentary upgrade to a One-Bedroom Suite - Breakfast for 2 persons - Complimentary passes to Colmar Tropicale, Japanese Village and Botanical Garden LE BLASON, LA FLAMME, LE POULET ROTI, LA BOULANGERIE, L ORIENT, LA BISTRO, RYO ZAN TEI JAPANESE RESTAURANT 20% off a la carte menu TATAMI SPA AND LA LAVANDE 10% off spa and massage treatments Valid till 30 Sept Not applicable to any other room type. Not valid with any other upgrade. Surcharge of RM50 is applicable on Friday, Saturday and eve of public holidays. Room types are subject to availability. Advance reservation is required. Not applicable to all alcoholic drinks and cigarettes at all F&B outlets. SPECIAL RATES FOR ROOM ACCOMMODATION: Deluxe Melaka/Straits View RM260++ (with 1 breakfast) RM280++ (with 2 breakfasts) Club Room RM380++ (with 1 breakfast) RM400++ (with 2 breakfasts) Suite RM510++ (with 1 breakfast) RM530++ (with 2 breakfasts) Room rates are subject to 10% service charge and 5% government tax. Surcharge of RM50++ applies during weekends and peak periods. Maximum of 10 rooms are allowed per cardmember. Advance reservation is required and subject to availability. ES.SENSE KITCHEN, SIROCCO RESTAURANT, SIROCCO BAR, HERRON S KOPI COUNTER 10% off board in dining in restaurants only Buy 1 Get 1 FREE buffet dinner at es.sense kitchen (Mondays - Thurdays) Not valid for any banquet event and tobacco products or by-products. Kids Eat Free programme is applicable. Kids below 12 years of age eat free when dining in with 2 paying adults in es.sense kitchen. Advance reservation is required DINING/HOTEL

6 FREE upgrade to next category with a minimum of 2 nights stay Valid till 31 May B S AND THE VILLAGE 15% off food and non-alcoholic beverages DINING/HOTEL SPECIAL RATES FOR ROOM ACCOMMODATION: RM128nett for Superior Room (2 persons) RM145nett for Deluxe Room (2 persons) MARINA SEAFOOD RESTAURANT 10% off a la carte food only Valid till 31 May Not valid on special festivals, with other promotions and all set menu packages. SPECIAL ROOM RATE: RM200++ for Superior room Valid till 31 July Inclusive of breakfast (maximum 2BBFs). Advance reservation is required and subject to availability. SWEZ BRASSERIE 10% off a la carte menu and buffet only Valid till 31 July 2010 and for dine-in only. Not applicable to beverages, alcoholic drink, tobacco products and any other promotional items. Not valid during festive promos, eve of and on public holidays Pay 1 Night & Get 1 Night Free Executive Deluxe Room or VIP Studio Suite FREE 1 bottle of red wine upon RM300 & above spent in a single Sea Lounge Weekend Treats - 1 FREE pax for every 5 pax dining in a single receipt, for Friday Steamboat Dinner/Saturday BBQ Dinner/Sunday Buffet Hi-Tea F&B promotions: Not valid during festive promos, peak periods, eve of and on public holidays.

7 Had an unforgettable holiday thanks to Citibank cards? Tell us all about it at SPECIAL ROOM RATE: RM180++ for Deluxe Room Room rates are valid per room per night and inclusive of breakfast for 2 persons. Surcharge of RM50++ applies during peak periods. Advance reservation is required and subject to availability. GROVE BRASSERIE 20% off F&B (except tobacco & alcohol) Not valid during festive promos, peak periods, eve of and on public holidays D2N Experience affordable luxury in Sarawak from RM199/pax - 2 nights accommodation at Four Points by Sheraton Kuching (4 star) with daily breakfast - FREE entrance to swimming pool & gym - FREE return shuttle service from Hotel to Spring shopping mall & city centre - Airport return limo transfer 3D2N Summertime by the seaside at Damai Beach Resort from RM249/pax - 2 nights accommodation at Damai Beach Resort (4 star) with daily breakfast - FREE entrance to swimming pool - Airport return transfer all the way to Damai 3D2N Explore the World Heritage Site of Mulu Caves from RM389/pax - 2 nights accommodation at Mulu National Park Chalet with daily breakfast & dinner - Guided 4 show caves with 1 picnic lunch - Entrance fee, boat fee & Airport return transfer / inbound@catcityholidays.com Booking period till 31 Mar Minimum 2 persons required. Prior booking required and subject to availability. Surcharge of RM80 per room per night for Damai Beach Resort from Dec This offer is not exchangeable and nonrefundable. Rate offer excludes travel insurance. Passengers are encouraged to purchase travel insurance before traveling. Offer valid to authorised and new members during MATTA Fair at PWTC Mar DINING/HOTEL

8 SHOPPING/CITIBANK EASY PAY 10% off all normal-priced items + exclusive gift with a minimum purchase of RM599 15% off any purchase over RM1,499 + Lifetime VIP membership & exclusive gift Valid till 15 May Purchases must be made on normal-priced items in a single receipt at Mid Valley store. 15% off normal-priced items Additional 5% off normal-priced items during birthday month (Pavilion KL), (Suria KLCC) 15% off udesire Massage Chair at RM7, RM209 x 36 months (NP: RM8,999) - FREE ucrown 2 Head Massager worth RM699 urobic Exercise Machine at RM1,392 - RM116 x 12 months (NP: RM1,788) Valid till 30 Apr 2010 at all OSIM outlets nationwide.

9 Finally got what you ve always wanted with 0% Citibank Easy Pay? Show it off at Philips 32 LCD TV 32PFL3409S (RM1,699) + FREE RM100 Voucher Philips Home Theatre System HTS3366 (RM999) + FREE RM50 Voucher Toshiba 610L 2-Door Fridge GR-RG68MDA (RM2,699) + FREE RM130 Voucher Panasonic 13KG F/A Washer NA-FA130T1 (RM1,799) + FREE RM90 Voucher LG 6KG F/L Washer WD-MD658 (RM2,099) + FREE RM100 Voucher Panasonic 27L Grill Microwave Oven NN-GF569 (RM769) + FREE RM30 Voucher Valid till 31 May 2010 and while stocks last. Free voucher will be deducted directly from price indicated. CITIBANK EASY PAY 1 Carat Set Diamond - RM x 24 months (NP: RM5,499) (Customer Care Hotline) Valid till 31 May 2010, while stocks last at all Lazo Diamond Jewellery outlets.

10 RM1 for a basket of Shanghai Juicy Meat (8pcs) Dumpling with a minimum spend of RM100 in a single receipt Valid till 31 May 2010 and for dine-in only. Only valid for one redemption per receipt. Present your Citibank credit card upon ordering food to enjoy the offer. NORTHERN/SOUTHERN FREE Essential Neck Therapy worth RM70 with every 1st trial Professional Face Treatment at RM158 (NP: RM220). Selection: Intensive Skin Renewal Advance reservation is required and subject to availability. Strictly one voucher redemption for one new customer only. Redeemable at all listed participating outlets. Promotion (facial treatment) is strictly for ladies only. Additional 10% off all normal-priced items FREE membership with purchases of RM300 & above in a single receipt Not valid in conjunction with any in-house loyalty program. Valid at all 18 outlets nationwide. Additional 10% off all normal-priced items FREE membership with purchases of RM300 & above in a single receipt Not valid in conjunction with any in-house loyalty program. Buy 2nd light fixture at 70% off (Tmn. Melodies, JB) Valid till 30 Sept Valid for normal-priced light fixtures only. Not valid for nett-priced items, local products & accessories. 70% off offer for 2nd light fixture is valid for same or lower priced item.

11 If you had a memorable makan-makan moment from Citibank Gourmet Pleasures, share it with us at 20% off selected food items on menu: - Nourishing Soup with American Ginseng worth RM16 (NP: RM20) - Nourishing Soup with Ginseng worth RM12 (NP: RM15) - Bird s Nest with Rock Sugar worth RM62.40 (NP: RM78) - Snow Jelly with Rock Sugar worth RM12 (NP: RM15) - Snow Jelly with Gingko worth RM6.40 (NP: RM8) 10% off upon purchase of: - Good Fortune Basin Mixed Seafood for 2 persons (NP: RM108) + FREE 1 Snow Jelly with Ginkgo worth RM8 - Good Fortune Basin Mixed Seafood for 4 persons (NP: RM 188) + FREE 2 Snow Jelly with Ginkgo worth RM (Tmn. Ungku Tun Aminah), (Sutera Mall, Skudai), (AEON Bkt. Indah), (AEON Tebrau City), (AEON Bandaraya Melaka) Valid till 31 Mar 2010 and for dine-in only. Valid with a minimum spend of RM30 in a single receipt. Valid at all Tang Shifu outlets. 50% off upon minimum spend of RM50: - Chicken Chop with Black Pepper Sauce (RM13.90) - Chicken Chop with Black Mushroom (RM13.90) - Aglio-Olio Spaghetti with Prawn Asparagus (RM13.90) - Caramelized Onion Shiitake Chicken Chop (RM17.90) - Baked Creamy Cheesy Seafood Fusilli (RM21.90) - Baked Cheesy Seafood Spaghetti (RM21.90) Valid till 31 July 2010 and for dine-in only. Valid with minimum spend of RM50. Selection of ONE dish per single receipt. 10% off all Samsung LCD & LED TVs (Tmn. Perindustrian Plentong), (Tmn. Nusa Bestari), (Digital Valley, Danga City Mall) Valid till 31 May SOUTHERN FREE comforter set worth RM499 (Brand - Four Season) with a minimum purchase of RM2,000 on any branded mattress (Homelife Johor - Dataran Fella), (Homelife Johor - Bukit Indah) Valid till 30 June Not valid during sales period or with any other offers or best buys.

12 Looked fabulous thanks to Citibank cards? Flaunt it at PRESENT THIS VOUCHER TO ENJOY: RM80 off Car Polish Treatment (NP: RM128) Additional RM80 cash rebate upon upgrade to CARs membership, excluding Smar-T card & 1-year sector card Valid till 31 May Original voucher must be presented to be entitled to discount. Voucher is valid from Mondays - Fridays only. OTHERS Additional 5% off Poshz Range: - PVC Rattan Outdoor Furniture Set (RM3,888/set) - Outdoor Umbrella (including stone base) (RM388) Additional 5% off Swishz Range: - Planters (assorted colours) (RM15.90/pcs) - Tricycle Plant Holder (RM269) Additional 5% off Sunhom BBQ Grill Range: - Classic Series (From RM788) - Royal Series (From RM2,888) Valid till 30 June FAMILYPACKAGE WITH CITIBANK EASY PAY ARRANGEMENT: Buy 2 Get 1 FREE Comprehensive Health Screening Package (DC2B and above) Valid at all BP Diagnostics Centres nationwide.

13 Why use cash? Just pay with your Citi Rewards points. Your Citi Rewards points that never expire are now accepted at over 330 outlets nationwide with over 8,000 items to choose from. New partners: Suria KLCC Pavilion KL All CARs outlets nationwide All outlets except Penang International Airport, LCCT and all East Malaysia outlets Tickets only (excluding Wednesdays) Boutiques only (excludes department stores) Tropicana City Mall, PJ Jalan Maarof, Bangsar Jalan Universiti, PJ All Vietnam Kitchen outlets nationwide Selected outlets nationwide All Senheng outlets nationwide All senq outlets nationwide Pavilion KL Jalan Maarof, Bangsar Pavilion KL All Lazo Diamond outlets nationwide All Spark Manshop outlets Dataran 32, PJ Bukit Kiara Equestrian Club, KL Bandar Sri Damansara Club, KL Redeem RM50 Gift Voucher at 10,000 Citi Rewards points Full Citi Rewards points redemption only And more exciting partners to come! Terms and conditions apply. Applicable for Citibank Platinum, Gold, Silver, Choice, Clear and CitiBusiness (personal underwriting) credit cards only. Conversion rate is 200 Citi Rewards points = RM1.

14 (Customer Care Hotline) Valid while stocks last at all Lazo Diamond Jewellery outlets. Bedazzled Series INSTANT REDEMPTION Bedazzled Diamond Ring Model : Bedazzled001 45,800 Citi Rewards points (55,800 RP) Bedazzled Diamond Pendant Model : Bedazzled ,800 Citi Rewards points (127,800 RP) Elfe Series Elfe Ruby Diamond Pendant Model : Elfe001 47,800 Citi Rewards points (59,800 RP) Longévité Series Elfe Ruby Diamond Pendant Model : Elfe002 69,800 Citi Rewards points (85,800 RP) Bedazzled Diamond Pendant Model : Bedazzled ,800 Citi Rewards points (163,800 RP) Bedazzled Pearl Diamond Earring Model : Bedazzled ,800 Citi Rewards points (219,800 RP) Elfe Ruby Diamond Pendant Model : Elfe003 45,800 Citi Rewards points (55,800 RP) Longévité Jade Diamond Earring Model : Longévité001 61,800 Citi Rewards points (75,800 RP) Longévité Jade Diamond Earring Model : Longévité002 69,800 Citi Rewards points (85,800 RP) Longévité Jade Diamond Earring Model : Longévité003 83,800 Citi Rewards points (103,800 RP)

15 Congratulations to the winner of the Citibank-KLCC Shop & Win Contest: Shopping Spree worth RM15,000 Mr Loo Soon Poh Congratulations to the winners of the Citibank-KLCC Shop & Win Contest Weekends Special (8 Dec Feb 2010): Philips 32 LCD TV Ms Elaine Chong (24 Jan 2010) Mr Mohd Nazrunizzam (30 Jan 2010) Mr Yap Chee Seng (31 Jan 2010) Ms Lim Lee Fong (7 Feb 2010) BUY NOW. CHOOSE HOW MUCH TO PAY LATER. Price: RM500 This could be yours for only RM18/month Price: RM1,000 This could be yours for only RM36/month Price: RM2,000 This could be yours for only RM72/month Price: RM5,000 This could be yours for only RM180/month Make a purchase anywhere around the world and convert your credit card transactions into affordable monthly instalments with Citibank FlexiPayment Plan. Minimum purchase amount RM500 Flexible tenures available from 6 36 months Flat instalment rate of 9.88% p.a.* (designed to fit your lifestyle) Call now to convert your retail transactions. 1. Make a purchase of at least RM500 with your credit card. 2. After your purchase or when you receive your statement (before your payment due date), select the purchase you wish to convert to FlexiPayment Plan and decide on the repayment tenure. 3. Call anytime, any day to convert your transactions. And it s done! Your first instalment will be shown in your next statement. Terms and conditions apply. *The effective annual interest rate will vary from 16.74% p.a. to 17.97% p.a. depending on the tenure.

16 A better, more user-friendly website for your convenience. CITIBANK ONLINE BANKING Introducing the newly improved Citibank Online We have improved our online banking website in hopes of serving you better. Step 1 : Select destination of funds (i.e. Local Transfers, GIRO, Bill Payment, etc). Step 2 : Next, select source of funds (i.e. Checking, Savings or Credit Card Account). Step 3 : Enter payment details - Payee Data, Amount, Payment Date. Step 4 : Review payment & transfer details. Ensure that info is correct, then click on Make This Payment. Step 5 : You ll receive a payment & transfer confirmation. Print and keep this confirmation receipt. *Fund transfer is applicable to customers with banking accounts only. Single login for multiple credit cardholders With our single login feature, you no longer need to hold multiple logins for all your cards. A single login will work to keep all your accounts in check. In addition, we have also enhanced the on screen keyboard to be more user friendly for your login convenience. Combined payments and transfers * feature It s so much easier to pay or transfer * money now. Just select the destination where the money is going to and our system will automatically detect what kind of transaction this is and direct you to provide the necessary details. Multi level top navigation menu Gone are those links to static information pages. Our new menu gives you access to the most often used online banking services with simple to use multi level navigation menu. Wait no more! Log on to citibank.com.my for all your online banking needs.