CITIBANK SUVIDHA SALARY ACCOUNT OFFERS - TERMS & CONDITIONS URBANCLAP

CITIBANK SUVIDHA SALARY ACCOUNT OFFERS - TERMS & CONDITIONS URBANCLAP

Citibank Suvidha Salary Account Offers – Terms & Conditions UrbanClap Validity: Till 31-MARCH-2019 Offer on Mobile App Only New User: Rs. 200 cashback on minimum purchase of Rs. 1000 Existing User: 15% cashback on minimum purchase of Rs. 300 (maximum cashback of Rs. 100) Promocode: For new user: MC200UC For existing user: MC15X Terms & Conditions: 1. The Offer is valid till 31-MARCH-2019. 2. Under this Offer, a) Cardholders who are first-time users will get Rs. 200 cashback on minimum purchase of Rs. 1000 at UrbanClap Mobile App by quoting the promotion code MC200UC b) Cardholders who are registered users will get 15% cashback on minimum purchase of Rs.

300 (maximum cashback of Rs. 100) at UrbanClap Mobile App by quoting the promotion code MC15X 3. Offer can be availed only once on Mobile App. 4. To redeem this offer on the mobile app, cardholders should login to their account or create an account, if they are not registered.

5. The offer can be availed only on transactions done using an eligible Citibank Mastercard Card issued in India. Not valid on Netbanking or Wallet payments. 6. Offer is non-transferable and cannot be exchanged for cash or cheque or any form of credit. 7. Total minimum spends will be calculated on the basis of product cost only excluding all taxes, GST, delivery charges, etc. Any taxes or liabilities or charges payable to the Government or any other authority or body, if any, shall be borne directly by the cardholder and/ or billed to the account of the cardholder 8. Any dispute regarding delivery, service, suitability, merchantability, availability or quality of the offer/or product/services availed under this offer must be addressed in writing, by the cardholder directly to UrbanClap at help@urbanclap.com or by calling +1-800-419-0020.

Mastercard or Citibank will not be liable for the same.

9. Cardholders are not bound in any way to participate in the Offer. Any participation shall be voluntary and all participants understand, acknowledge and agree that the Offer is purely on a best effort basis and Citibank and/or Mastercard does not assume any liability whatsoever regarding the Offer, the delivery of services or any incidental matter. 10. No two offers can be clubbed together and no additional discount/offer will be applicable. 11. Any cardholder who utilizes, participates in, or attempts to utilize or participate in the Citibank and/or Mastercard Offers programme, irrevocably agrees to the following: Citibank and/or Mastercard will not be liable under contract, tort or any other theory of law for any claim 1 Modified Date : 28-06-18

regarding loss or damage howsoever incurred in relation to the use (or attempted use) of the Offer; and accordingly, the cardholder will not make any claim against Citibank and/or Mastercard regarding the same. 12. Each benefit/privilege may be subject to additional terms and conditions imposed by UrbanClap. Cardholders are solely responsible for checking and complying with the same. 13. Any dispute relating to the offer will be settled under the sole and exclusive jurisdiction of Mumbai courts only. 14. Citibank and/or Mastercard reserves the right to add, alter, modify, change or vary any of these terms and conditions or to replace, wholly or in part, this Offer by another offer, whether similar or not, or to withdraw it altogether at any point in time, without any prior notice.

Grofers Validity: 28-FEBRUARY-2019 Construct: New User: Rs. 300 cashback on minimum purchase of Rs. 1500 on https://grofers.com Existing User: Rs. 100 cashback on minimum purchase of Rs. 2000 on https://grofers.com Terms & Conditions: 1. The Offer is valid till 28-FEBRUARY-2019. 2. Under this Offer, a) Cardholders who are first-time users will get Rs. 300 cashback on minimum purchase of Rs. 1500 at www’.grofers.com by quoting the promotion code MCNEW b) Cardholders who are registered users will get Rs. 100 cashback on minimum purchase of Rs. 2000 at www’.grofers.com by quoting the promotion code MASTERCARD50 3.

Cashback will be credited as Grofers Cash in users Grofers Account. 4. Offer not valid on oil, ghee and baby food products. 5. The Offer is available only upon making full payment by a valid and unexpired Citibank Mastercard card issued in India. Not valid on Netbanking or Wallet payments. 6. Cardholder must apply the promo code before paying online to avail the offer. 7. To redeem this Offer, cardholders should log in to their account or create an account, if they are not registered.

8. The Offer cannot be combined together with any other promotion or code-based offer and no additional discount or offer will be applicable. 9. The Offer is non-binding, non-encashable and non-negotiable. 10. Offer is non-transferable and cannot be exchanged for cash or cheque or any form of credit. 11. Total minimum spends will be calculated on the basis of product cost only excluding all taxes, GST, delivery charges, etc. Any taxes or liabilities or charges payable to the Government or any other authority or body, if any, shall be borne directly by the cardholder and/ or billed to the account of the cardholder 12.

Total minimum spends will be calculated on the basis of product cost only excluding all taxes, GST, delivery charges, etc. Any taxes or liabilities or charges payable to the Government or any 2 Modified Date : 28-06-18

other authority or body, if any, shall be borne directly by the cardholder and/ or billed to the account of the cardholder 13. Any dispute regarding delivery, service, suitability, merchantability, availability or quality of the offer/or product/services availed under this offer must be addressed in writing, by the cardholder directly to Grofers at info@grofers.com. Citibank and/or Mastercard will not be liable for the same. 14. Cardholders are not bound in any way to participate in the Offer. Any participation shall be voluntary and all participants understand, acknowledge and agree that the Offer is purely on a best effort basis and Citibank and/or Mastercard does not assume any liability whatsoever regarding the Offer, the delivery of services or any incidental matter.

15. Any cardholder who utilises, participates in, or attempts to utilise or participate in the Citibank and/or Mastercard Offers programme, irrevocably agrees to the following: Citibank and/or Mastercard will not be liable under contract, tort or any other theory of law for any claim regarding loss or damage howsoever incurred in relation to the use (or attempted use) of the Offer; and accordingly, the cardholder will not make any claim against Citibank and/or Mastercard regarding the same.

16. Each benefit/privilege may be subject to additional terms and conditions imposed by Grofers.com. Cardholders are solely responsible for checking and complying with the same 17. These terms and conditions shall be governed by the laws of India and any dispute arising out of or in connection with these terms and conditions shall be subject to the exclusive jurisdiction of the courts in Mumbai. 18. Citibank and/or Mastercard reserves the right to add, alter, modify, change or vary any of these terms and conditions or to replace, wholly or in part, this Offer by another offer, whether similar or not, or to withdraw it altogether at any point in time, without any prior notice.

Promocode: For new user: MCNEW For existing user: MASTERCARD50 Validity: Till 30-NOVEMBER-2018 Construct: 10% cashback on Bus booking of Rs. 400 & above. Maximum cashback of Rs. 100 on www’.redbus.in or ‘redbus’ mobile app Terms & Conditions: 1. The Offer is valid till 30-NOVEMBER-2018 2. Under this Offer, Cardholders get 10% cashback on Bus booking of Rs. 400 & above at www’.redbus.in or ‘redbus’ mobile app by quoting the promotion code RBMASTERCARD. Maximum cashback of Rs. 100.

3 Modified Date : 28-06-18 Redbus

3. Cashback will be credited as Redbus Cash in users Redbus Account. 4. The Offer is available only upon making full payment by a valid and unexpired Citibank Mastercard card issued in India. 5. To redeem the Offer, cardholders should login to their account or create an account, if they are not registered. 6. The Offer is non-transferable and cannot be exchanged for cash or cheque or any form of credit. 7. The total minimum spend will be calculated based on the product cost only. This excludes all taxes, GST, delivery charges, etc.

Any taxes, liabilities or charges payable to the government or any other authority or body, if any, shall be borne directly by the cardholder and/or billed to the account of the cardholder.

8. Any dispute regarding delivery, service, suitability, merchantability, availability or quality of the Offer, or product/services related to this Offer must be addressed in writing, by the cardholder directly to Redbus. Mastercard or Citibank will not be liable for the same. 9. Cardholders are not bound in any way to participate in the Offer. Any participation shall be voluntary and all participants understand, acknowledge and agree that the Offer is purely on a best effort basis and Citibank and/or Mastercard does not assume any liability whatsoever regarding the Offer, the delivery of services or any incidental matter.

10. No two offers can be clubbed together and no additional discount or offer will be applicable. 11. Any cardholder who utilises, participates in, or attempts to utilise or participate in the Citibank and/or Mastercard Card Offers programme, irrevocably agrees to the following: Citibank and/or Mastercard will not be liable under contract, tort or any other theory of law for any claim regarding loss or damage howsoever incurred in relation to the use (or attempted use) of the Offer; and accordingly, the cardholder will not make any claim against Citibank and/or Mastercard regarding the same.

12. Each benefit or privilege may be subject to additional terms and conditions imposed by Redbus at https://www’.redbus.in/info/termscondition. Cardholders are solely responsible for checking and complying with the same. 13. These terms and conditions shall be governed by the laws of India and any dispute arising out of or in connection with these terms and conditions shall be subject to the exclusive jurisdiction of the courts in Mumbai. 14. Citibank and/or Mastercard reserves the right to add, alter, modify, change or vary any of these terms and conditions or to replace, wholly or in part, this Offer by another offer, whether similar or not, or to withdraw it altogether at any point in time, without any prior notice.

Promocode: For Bus booking: RBMASTERCARD Citrus Hotels Validity: Till 30-MARCH-2019 Construct: 4 Modified Date : 28-06-18

Offer1: Accommodation: 20% discount on best available rates on booking via Toll-free or at the property Offer2: 20% discount on F&B at Biso restaurant Terms & Conditions: 1. The Offer is valid till 30 March 2019. 2. Under the Offer, cardholders will get 20% off on best available rates on accommodation. Cardholders will also get 20% off on F&B at Biso restaurant. 3. The Offer is available only upon making full payment by a valid and unexpired Mastercard card issued in India. 4. The Offer is available on bookings made at Citrus Hotels properties POS counters or through Citrus Hotel Reservation toll-free line 1800 3001 4001.

To avail the offer, cardholder must indicate the intention to redeem the Offer at the time of booking.

5. Discount on room will not be available if the booking is done through Travel Agent , OTA or by any third party. 6. To redeem the Offer, full payment must be made using a valid and unexpired Citibank Mastercard card at the time of bill settlement. 7. This Offer is valid only on the best available rates displayed at time of booking. 8. The Offer cannot be combined together with any other promotion code-based offer and no additional discount/offer will be applicable. 9. The Offer is non-binding, non-encashable and non-negotiable. 10. Any dispute regarding delivery, service, suitability, merchantability, availability or quality of the Offer or services availed under this Offer must be addressed in writing by the cardholder directly to Citrus Hotel at reservations@citrushotels.in or by calling the toll-free number 1800 3001 4001.

Citibank and/or Mastercard or the issuing bank will not be liable for the same. 11. Any dispute relating to the Offer will be settled under the sole and exclusive jurisdiction of Mumbai courts only.

12. Cardholders are not bound in any way to participate in the Offer. Any participation shall be voluntary and all participants understand, acknowledge and agree that the Offer is purely on a best effort basis and Citibank and/or Mastercard does not assume any liability whatsoever regarding the Offer, the delivery of services or any incidental matter. 13. Any cardholder who utilises, participates in, or attempts to utilise or participate in the Citibank Mastercard Card Offers programme, irrevocably agrees to the following: Citibank and/or Mastercard will not be liable under contract, tort or any other theory of law for any claim regarding loss or damage howsoever incurred in relation to the use (or attempted use) of the Offer; and accordingly, the cardholder will not make any claim against Citibank and/orMastercard regarding the same.

14. Each benefit/privilege may be subject to additional terms and conditions imposed by Citrus Hotels. Cardholders are solely responsible for checking and complying with the same. 15. Citibank and/or Mastercard reserves the right to add, alter, modify, change or vary any of these terms and conditions or to replace, wholly or in part, this offer by another offer, whether similar or not, or to withdraw it altogether at any point in time, without any prior notice. Promocode: No Promocode required. Offer to be mentioned at the Hotel. Foodpanda 5 Modified Date : 28-06-18

Validity: Till 30-SEPTEMBER-2018 Construct: Rs.100 off on spend of Rs.

275 & above (Only for new user) on online transactions Terms & Conditions: 1. The Offer is valid till 30 September 2018. 2. Under this Offer, Cardholders who are first-time users will get Rs. 100 Off on spend of Rs. 275 and above by quoting the promotion code FPMASTER. 3. Offer is not valid on Dominos, Subway & Burger King. 4. Offer is valid only on delivery orders, and cannot be availed for pick up orders. In no case whatsoever will the discount amount be refunded, encashed or partly encashed. 5. Offer valid only once for online orders placed on www’.foodpanda.in website and mobile app. 6.

To redeem this offer, cardholders should login to their account or create an account, if they are not registered.

7. The offer can be availed only on transactions done using an eligible Citibank Mastercard Card issued in India. Not valid on Netbanking or Wallet payments. 8. Cardholder must apply the promo code before paying online to avail the offer. 9. Offer is non-transferable and cannot be exchanged for cash or cheque or any form of credit. 10. Total minimum spends will be calculated on the basis of product cost only excluding all taxes, GST, delivery charges, etc. Any taxes or liabilities or charges payable to the Government or any other authority or body, if any, shall be borne directly by the cardholder and/ or billed to the account of the cardholder 11.

Any dispute regarding delivery, service, suitability, merchantability, availability or quality of the offer/or product/services availed under this offer must be addressed in writing, by the cardholder directly to Foodpanda at customercare@foodpanda.in . Mastercard and/or Citibank will not be liable for the same.

12. Cardholders are not bound in any way to participate in the Offer. Any participation shall be voluntary and all participants understand, acknowledge and agree that the Offer is purely on a best effort basis and Citibank and/or Mastercard does not assume any liability whatsoever regarding the Offer, the delivery of services or any incidental matter. 13. No two offers can be clubbed together and no additional discount/offer will be applicable. 14. Any cardholder who utilises, participates in, or attempts to utilise or participate in the Citibank Mastercard Card Offers programme, irrevocably agrees to the following: Citibank and/or Mastercard will not be liable under contract, tort or any other theory of law for any claim regarding loss or damage howsoever incurred in relation to the use (or attempted use) of the Offer; and accordingly, the cardholder will not make any claim against Citibank and/or Mastercard regarding the same.

15. Each benefit/privilege may be subject to additional terms and conditions imposed by Foodpanda. Cardholders are solely responsible for checking and complying with the same. 16. Any dispute relating to the offer will be settled under the sole and exclusive jurisdiction of New Delhi courts only. 6 Modified Date : 28-06-18

17. Citibank and/or Mastercard reserves the right to add, alter, modify, change or vary any of these terms and conditions or to replace, wholly or in part, this Offer by another offer, whether similar or not, or to withdraw it altogether at any point in time, without any prior notice.

Promocode: FPMASTER Shoppers Stop 1. The Offer is valid till 31 March 2019. 2. Under this Offer, cardholder will get Rs. 300 Off on spend of Rs 1800 or above, using the promotion code MC300. Offer valid only for online orders placed on www’.shoppersstop.com website and App.

3. The Discount will not be applicable on Clinique, Vanca, Stop, Haute Curry, Kashish, Vettorio Fratini, Clovia, Life, Estee Lauder, Tommy Hilfiger, Fastrack, FCUK, Sonata, Timberland, Xylys, Zoop, Bobbi Brown, MAC, Fratini Women, Elliza Donatein, Sanaa, Wrogn, TITAN, Rheson, Casio Watches, Nautica, Nebula, Loccitane, Fine Jewellery, Gold Coins, Gift Vouchers/Cards/Topups, E- Gift Voucher, First Citizen membership card. 4. Offer can be availed only one time per user during the offer period and will not be applicable during End of Season Sale.

5. The approval of the order is at the sole discretion of Shoppers Stop and using the promo code is mandatory to avail of the offer.

Cardholder must apply the promo code during checkout before paying online to avail the offer. 6. Minimum threshold spend to qualify for the offer will be calculated on basis of product/service costs only excluding taxes, GST, delivery charges, etc. Any taxes or liabilities or charges payable to the Government or any other authority or body, if any, shall be borne directly by the cardholder and/ or billed to the account of the cardholder.

7. The offer can be availed only on transactions done using an eligible Mastercard Card issued in India. Not valid on cash on delivery, Netbanking or Wallet payments. 8. To redeem this offer, cardholders should login to their account or create an account, if they are not registered. 9. Offer is non-transferable and cannot be exchanged for cash or cheque or any form of credit. 10. Shoppers Stop does not return or exchange Gift Vouchers, Fine Jewellery, Gold Jewellery, Gold Coins, Undergarments, Altered Garments, Cosmetics & Perfumes, Sunglasses, First Citizen Card, Maxit Products, Electronic Products and Watches for hygiene and other reasons.

11. Any dispute regarding delivery, service, suitability, merchantability, availability or quality of the offer/or product/services availed under this offer must be addressed in writing, by the cardholder directly to Shoppers Stop at estore@shoppersstop.com or by calling 1-800-419-6648 . Mastercard or the issuing bank will not be liable for the same. 12. Cardholders are not bound in any way to participate in the Offer. Any participation shall be voluntary and all participants understand, acknowledge and agree that the Offer is purely on a best effort basis and Mastercard does not assume any liability whatsoever regarding the Offer, the delivery of services or any incidental matter.

13. No two offers can be clubbed together and no additional discount/offer will be applicable. 14. Any cardholder who utilises, participates in, or attempts to utilise or participate in the Mastercard Card Offers programme, irrevocably agrees to the following: Mastercard will not be 7 Modified Date : 28-06-18

liable under contract, tort or any other theory of law for any claim regarding loss or damage howsoever incurred in relation to the use (or attempted use) of the Offer; and accordingly, the cardholder will not make any claim against Mastercard regarding the same.

15. Each benefit/privilege may be subject to additional terms and conditions imposed by Shoppers Stop. Cardholders are solely responsible for checking and complying with the same. For details, visit https://www’.shoppersstop.com/term-condition 16. These terms and conditions shall be governed by the laws of India and any dispute arising out of or in connection with these terms and conditions shall be subject to the exclusive jurisdiction of the courts in Mumbai.

17. In the event of non-happening, cancellation or partial happening of the offer for reasons beyond anybody'’s control or Act of God, neither Shoppers Stop nor their agent, sponsors nor their agent, successors or assigns shall be liable to any of the customers participating in the offer. 18. Mastercard reserves the right to add, alter, modify, change or vary any of these terms and conditions or to replace, wholly or in part, this Offer by another offer, whether similar or not, or to withdraw it altogether at any point in time, without any prior notice. Treebo 1. The Offer is valid till 31 December 2018.

2. Under this Offer, Cardholders get Rs.500 off on spend of Rs.1999 and above at http://bit.ly/trbmc500 by quoting the promotion code TRBMC500. 3. Offer is valid for bookings made till 31th December 2018 for stay dates till 31th December 2018. All bookings are subject to availability.

4. Black-out dates applicable. The offer cannot be applied if the staying period falls between the black-out dates either fully or partially. All Treebo Hotel policies apply. 5. The offer can be availed only on transactions done using an eligible Mastercard Card issued in India. 6. To redeem this offer, cardholders should login to their account or create an account, if they are not registered. Promo code valid only on booking done at http://bit.ly/trbmc500 (https://www’.treebo.com/?utm_source=treeboalliance&utm_campaign=mastercard 500&utm_ medium=Campaign) 7. Offer is non-transferable and cannot be exchanged for cash or cheque or any form of credit.

8. Total spends will be calculated on the basis of product cost only excluding all taxes, GST, delivery charges, etc. Any taxes or liabilities or charges payable to the Government or any other authority or body, if any, shall be borne directly by the cardholder and/ or billed to the account of the cardholder 9. Any dispute regarding delivery, service, suitability, merchantability, availability or quality of the offer/or product/services availed under this offer must be addressed in writing, by the cardholder directly to Treebo Hotels at hello@treebo.com or by calling +91 9322-800-100. Mastercard or the issuing bank will not be liable for the same.

Cancellation charges will be applicable as per the Treebo policy.

10. Cardholders are not bound in any way to participate in the Offer. Any participation shall be voluntary and all participants understand, acknowledge and agree that the Offer is purely on a best effort basis and Mastercard does not assume any liability whatsoever regarding the Offer, the delivery of services or any incidental matter. 11. No two offers can be clubbed together and no additional discount/ offer will be applicable. 8 Modified Date : 28-06-18

12. Any cardholder who utilises, participates in, or attempts to utilise or participate in the Mastercard Card Offers programme, irrevocably agrees to the following: Mastercard will not be liable under contract, tort or any other theory of law for any claim regarding loss or damage howsoever incurred in relation to the use (or attempted use) of the Offer; and accordingly, the cardholder will not make any claim against Mastercard regarding the same.

13. Each benefit/privilege may be subject to additional terms and conditions imposed by Treebo Hotels. Cardholders are solely responsible for checking and complying with the same. 14. Any disputerelating totheoffer will besettled under thesoleand exclusive jurisdiction ofMumbai courts only.

15. Mastercard reserves the right to add, alter, modify, change or vary any of these terms and conditions or to replace, wholly or in part, this Offer by another offer, whether similar or not, or to withdraw it altogether at any point in time, without any prior notice. Zoomcar 1. The Offer is valid till 31 March 2019. 2. Under this Offer, cardholder will get 20% Off on any Self-drive car booking (subject to cap of Rs.1,200), using the promotion code ALCITIP. 3. The offer is applicable only on www’.zoomcar.com website and Mobile App. Not valid on Netbanking or Wallet payments.

4. The offer can be availed only once during the offer period.

5. To book, minimum billing is for 4 hours. All bookings between 1hour to 3 hours will be billed at 4 hours. 6. Maximum discount under the offer is capped at Rs.1,200. 7. Offer applicable from Monday to Thursday only. Vehicle booking from Friday to Sunday will not be considered under this offer. 8. Offer is applicable only on self drive rental. 9. Discount applicable only on original reservation charges (not applicable on excess Km, late return fee, or other fees/charges).

10. Offer not applicable on blackout days; for details visit: www’.zoomcar.com/holidays 11. A fully refundable security deposit of Rs.5,000 will be charged at time of booking and the security deposit will not be considered for the purpose of the offer. 12. The offer can be availed only on transactions done using an eligible Mastercard Card issued in India. 13. To redeem this offer, cardholders should login to their account or create an account, if they are not registered. 14. Offer is non-transferable and cannot be exchanged for cash or cheque or any form of credit. 15. Any dispute regarding delivery, service, suitability, merchantability, availability or quality of the offer/or product/services availed under this offer must be addressed in writing, by the cardholder directly to Zoomcar at support@zoomcar.com or by calling +91-(STD code)-60009666.

Mastercard or the issuing bank will not be liable for the same. 16. Cardholders are not bound in any way to participate in the Offer. Any participation shall be voluntary and all participants understand, acknowledge and agree that the Offer is purely on a best effort basis and Mastercard does not assume any liability whatsoever regarding the Offer, the delivery of services or any incidental matter.

17. No two offers can be clubbed together and no additional discount/offer will be applicable. 9 Modified Date : 28-06-18

18. Any cardholder who utilises, participates in, or attempts to utilise or participate in the Mastercard Card Offers programme, irrevocably agrees to the following: Mastercard will not be liable under contract, tort or any other theory of law for any claim regarding loss or damage howsoever incurred in relation to the use (or attempted use) of the Offer; and accordingly, the cardholder will not make any claim against Mastercard regarding the same.

19. Each benefit/privilege may be subject to additional terms and conditions imposed by Zoomcar. Cardholders are solely responsible for checking and complying with the same. 20. These terms and conditions shall be governed by the laws of India and any dispute arising out of or in connection with these terms and conditions shall be subject to the exclusive jurisdiction of the courts in Mumbai.

21. Mastercard reserves the right to add, alter, modify, change or vary any of these terms and conditions or to replace, wholly or in part, this Offer by another offer, whether similar or not, or to withdraw it altogether at any point in time, without any prior notice. Ferns n petals 1. The Offer is valid till 30 JUNE 2019. 2. Under this Offer, cardholder will get Rs.500 Off on spend of Rs.2,599 and above, using the promotion code MCARD500A. Alternatively, cardholders will get Rs.250 Off on spend of Rs.1,399 and above, using the promotion code MCARD250A.

3. The offer is applicable only on the India www’.fnp.com website and Mobile App.

4. Offer is not applicable on international deliveries. 5. The offer can be availed only on transactions done using an eligible Mastercard Card issued in India. Offer is not valid for Cash on Delivery. 6. To redeem this offer, cardholders should login to their account or create an account, if they are not registered. 7. Offer is non-transferable and cannot be exchanged for cash or cheque or any form of credit. 8. Total minimum spends will be calculated on the basis of product cost only excluding all taxes, GST, delivery charges, etc. Any taxes or liabilities or charges payable to the Government or any other authority or body, if any, shall be borne directly by the cardholder and/ or billed to the account of the cardholder 9.

Any dispute regarding delivery, service, suitability, merchantability, availability or quality of the offer/or product/services availed under this offer must be addressed in writing, by the cardholder directly to Ferns N Petals at support@fnp.com or by calling +91- 92124 22000. Mastercard or the issuing bank will not be liable for the same.

10. Cardholders are not bound in any way to participate in the Offer. Any participation shall be voluntary and all participants understand, acknowledge and agree that the Offer is purely on a best effort basis and Mastercard does not assume any liability whatsoever regarding the Offer, the delivery of services or any incidental matter. 11. No two offers can be clubbed together and no additional discount/offer will be applicable. 12. Any cardholder who utilises, participates in, or attempts to utilise or participate in the Mastercard Card Offers programme, irrevocably agrees to the following: Mastercard will not be liable under contract, tort or any other theory of law for any claim regarding loss or damage howsoever incurred in relation to the use (or attempted use) of the Offer; and accordingly, the cardholder will not make any claim against Mastercard regarding the same.

13. Each benefit/privilege may be subject to additional terms and conditions imposed by Ferns N Petals. Cardholders are solely responsible for checking and complying with the same. 10 Modified Date : 28-06-18

14. These terms and conditions shall be governed by the laws of India and any dispute arising out of or in connection with these terms and conditions shall be subject to the exclusive jurisdiction of the courts in Mumbai. 15. Mastercard reserves the right to add, alter, modify, change or vary any of these terms and conditions or to replace, wholly or in part, this Offer by another offer, whether similar or not, or to withdraw it altogether at any point in time, without any prior notice.

Terms and conditions for Suvidha Salary Accounts Account opening is subject to Citibank Terms and conditions and applicable RBI guidelines. Citibank Home Loans & Personal Loans - Terms and conditions apply. All loans are at the sole discretion of Citibank, N.A. Citibank reserves the right to ask for any additional documents from the applicant/borrower. Citibank reserves the right, at any time, with notice, to add/alter/ modify/change or vary any of the terms and conditions or to replace, wholly or in part. All products / facilities mentioned in this booklet are subject to Citibank terms and conditions.

Home loans are subject to necessary RBI and other local approvals.

Citibank Personal Loan - Terms and conditions Apply. Timelines mentioned include only working days. Timelines mentioned, if any, would commence once the entire documentation as per Citibank's requirements aresubmitted by the applicant. Subject to Citibank approval criteria. For detailed Terms and conditions, please refer www.citibank.com/india. Terms and conditions apply. Subject to a maximum limit of Rs 5 Lakhs per month. Citibank N.A. provides investment services as a distributor of third party Investment products (shortly referred as ‘investment products’). Citibank N.A. does NOT provide investment advisory services in any manner or form.

Investment products do not pertain to Citibank. Investment Products(i) are not bank deposits or obligations of or guaranteed by Citibank, N.A. Citigroup, Inc or any of its affiliates or subsidiaries; (ii) are not insured by any governmental agency and (iii) are subject to investment risks, including the possible loss of the principal amount invested. Past performance is not indicative of future results, prices/invested sum is subject to market risks which may result in appreciation or depreciation. The ownership of any investment decision(s) shall exclusively vest with the Investor after analyzing all possible risk factors and by exercise of his/her/its independent discretion and Citibank N.A shall not be liable or held liable for any consequences thereof.

Investment products are not available to US persons, Residents of Canada and may not be available in all jurisdictions. By making any investment, you confirm your deemed acceptance to the conditions mentioned herein. Investment products are distributed by Citibank N.A. on a non -discretionary and non participation basis. The final investment decision shall at all times exclusively remain with the investor. 11 Modified Date : 28-06-18

Investor investing in investment products acknowledge that: (i) the third party product provider may investin products denominated in non-local currency;(ii) therecould berisk of exchangeratefluctuations, which may result in loss of principal or erosion of value of investment .

This document does not constitute the distribution of any information or the making of any offer or solicitation by anyone in any jurisdiction in which such distribution or offer is not authorized or to any person to whom it is unlawful to distribute such a document or make such an offer or solicitation. Please exercise diligence by reading & understanding the Key Information Memorandum(s)/Scheme Investment Document(s) & Statement of Additional Information/Term Sheet/Prospectus carefully before investing and no claim whatsoever shall be made against Citibank N.A. any of its affiliates or subsidiaries and / or employees claiming any influence/recommendation/advice/responsibility/liability as against your decision to invest in any investment product.

Investor should ensure to understand, accept the identities of different parties and the roles that they play in relation to the various Investment Product(s). Investor acknowledges that, there may be various actual or potential conflicts of interest between Citibank N.A. India, Citigroup Capital Markets Ltd., Citigroup Inc. or their affiliates or subsidiaries (collectively “Connected Persons”) and that of an investor itself , as a result of the various investment and/or commercial businesses and/or activities of the Connected Persons. You are deemed to accept, on purchasing/ subscribing / investing to a particular Investment Product(s), that any such conflict may exist and may be prejudicial to an investment in the Investment Product(s).

Citibank N.A. provides no independent research or analysis in the substance or preparation of this report. The information in this report has been obtained from reports issued by Citigroup Global Markets and Citigroup Investment Research. Such information is based upon sources Citigroup Global Markets (CGM) / Citigroup Investment Research (CIR) believe to be reliable. CGM and / or Citibank N.A., however, do not guarantee its accuracy and it may be incomplete or condensed. All opinions and estimates constitute CGM's view as of the date of report and are subject to change without notice. This report / presentation is provided for general information only and nothing contained in the material constitutes a recommendation for the purchase or sale of any security and/or currency.

As a prerequisite condition for arriving at a decision to invest, any investor considering an investment should seek independent advice on the suitability or otherwise of the particular investment.

For detailed T&Cs, visit www.citi.co.in/bank-tnc.htm Other Terms & Conditions  Citibank does not make any warranties or representation on the delivery, service, quality, quantity, merchantability, suitability or availability of the products or services included in this Offer.  Citibank is NOT liable or responsible for any claim(s), dispute(s) regarding delivery, service, suitability, merchantability, availability, quantity or quality made available to the Customers under the Offer on the products/services (shortly referred as “Claims”). In reference to any Claims, it must be addressed in writing by the Customer directly to the participating Merchant.

Citibank shall 12 Modified Date : 28-06-18

not entertain any communication in this regard. Any query/ contention/dispute raised by any Customer to Citibank with respect to the above shall be forwarded to the participating Merchant and they shall be solely responsible for resolving such queries/ contentions/disputes within reasonable time.  Acceptance of these terms is a prerequisite for participation. Such participation is voluntary and is deemed as acceptance of the terms and conditions mentioned herein.  Citibank holds the exclusive right at its sole discretion to refuse or deny the Offer to any Customer. The Customer shall become ineligible to participate in this Offer if his/her card is cancelled before the expiry of /during the Offer Period.

 Any taxes or liabilities or charges payable to the Government or any other authority or body, if any, shall be borne directly by Customer and/or billed to the account of the Customer.  Citibank is not making any commitment to make any offer beyond the Offer Period.  All other terms and conditions of the Card member Terms and Conditions shall continue to apply.  If the Offer and/or anything to be done by Citibank or any other entity in respect of the Offer is prevented or delayed by causes, circumstances or events beyond the control of Citibank or any other entity, including but not limited to, tampering, unauthorized intervention, interception, fraud, technical failures, floods, fires, accidents, earthquakes, riots, explosions, wars, hostilities, acts of government, or other causes of like or similar or other character beyond the control of Citibank or the merchant, then Citibank and/or the merchant shall not be liable for the same to the extent so prevented or delayed, and will not be liable for any consequences and on occurrence of such event, the Offer may be withdrawn at the discretion of Citibank.

 All government levies like GST, Sales Tax, TDS, any Local Tax, Octroi etc., shall be payable by the Customer as applicable at the time the respective Programs were offered.  Citibank reserves the right to modify or change any of the terms and conditions applicable to this program at any time with/without prior notice to the Customer.

 Citibank shall not also be liable for any loss or damage whatsoever that may be suffered, or for any personal injury that may be suffered, to a customer, directly or indirectly, by use or non-use of products/services under the Offer.  Citibank reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change/cancel or vary all of these terms and conditions or to replace, wholly or in part, this Offer by another offer, whether similar to this offer or not, or to extend or withdraw/cancel it altogether at its sole discretion and the same shall be binding on the Cardholder at all times.

 Nothing herein amounts to a commitment by Citibank to conduct further, similar or other offer.  The above Offer is by way of a special offer for select Citibank Debit Cardholders only and nothing contained herein shall prejudice or affect the terms and conditions of the card member agreement. Theterms ofthe aboveschemes shall bein addition toand notin derogation ofthe terms contained in the card member agreement. Payment of fees/service charges/all other amounts due from the Customer to Citibank from usage of debit cards by the Customer under this Offer and/or otherwise will be governed by Citibank Account Terms & Conditions which are available in the online portal http://www.citibank.com/india.

 A Card holder without being required to do any further act, shall be deemed to have read, understood and unconditionally accepted the terms and conditions herein. The above terms and conditions need to be read in conjunction with the Citibank Account Terms and Conditions.  The terms & conditions shall be governed by the Laws of India. 13 Modified Date : 28-06-18

 Any disputes arising out of this Offer shall be subject to the exclusive jurisdiction of competent courts in Mumbai only, irrespective of whether Courts in other areas have concurrent or similar jurisdiction.

 The Offer cannot be combined with any other offer and cannot be transferred or assigned to any other person/customer.  This product/service is offered by branches of Citibank, N.A. in India. © 2018 Citigroup Inc. Citi, Citibank and Arc Design are registered service marks of Citigroup Inc. or its affiliates used and registered throughout the world.

14 Modified Date : 28-06-18

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