NOTICE

Citibank Alerting Service
Please read Citibank Alerting Service Terms and Conditions carefully. If the Terms and Conditions are acceptable to you, acknowledge your acceptance by pressing the "I Agree" button on the website. If you are using only Citibank Online and have not subscribed to Citibank Alerting Service, then the Terms and Conditions for Citibank Alerting Service will not be applicable to you. If you are using only Citibank Alerting Service, in such a case, it is deemed that you have signified your acceptance of the Terms and Conditions as respectively applicable on Citibank Online and Citibank Alerting Service.

In order to signify your agreement to the Terms and Conditions, please press the “I Agree” button and If you do not agree, press the “I Disagree” button and You will be automatically be taken back to the
Citibank Online home page.

(i) Tthe Customer understand that under Citibank Alerting Service facility, Citibank will send the Customer customized alert messages with respect to events/transactions relating to his/her Account (which may be a Savings/Current/Fixed Deposit/Credit Card Account /any other account). The Customer understands that to receive the alert messages, the Customer may select and set all or any of the Triggers available on Citibank Online www.citibankegypt.com or (ii) through CitiPhone or (iii) through written instructions or instructions given through any other means as offered and advised by Citibank from time to time. The alert messages will be sent to the Customer via short messages service/text (SMS) on his/her mobile phone and/or via e-mail or any other form of electronic means of communications available from time to time subject to connectivity/provision of services by the Cellular Service Provider in use by the Customer and provided that such Cellular Service Provider has formalized an arrangement with Citibank agreeing to provide the alerting services to the Customers. The Customer may also receive the alert message as an e-mail on his/her personal computer.

(ii) The Customer accepts that it will be his/her responsibility to obtain the Terms and Conditions relating to Citibank Online and to read and understand the same and the Customer shall comply therewith. Citibank will reserve the right to accept or refuse his/her registration application without providing any reason. If Citibank accepts his/her registration for Citibank Alerting Service, the Customer understands and agrees that the Customer shall be bound by these Terms and Conditions in force and which are subject to change by Citibank from time to time. The Customer understands that the Citibank may, from time to time, send the Customer additional Citibank Alerting Services/SMS that are relevant to his/her account or pertain to Citibank's products/services, which may be of interest to the Customer unless the Customer has requested Citibank otherwise. The Customer hereby gives his/her consent to receive such information.

(iii) The Customer shall advise Citibank immediately in the event of any change in any of the information, i.e. his/her mobile number, e-mail account. Citibank is in no way liable for his/her lack of receipt of a message alert should the Customer fail to provide updated information to Citibank. The Customer agrees to provide any additional information as required by Citibank, from time to time, for the purpose of making the facility available to the Customer. The Customer certifies that the details/information as given by the Customer in his/her relationship record/account opening form/application is correct and accurate. the Customer shall advise Citibank immediately in the event there are any changes in his/her mobile phone number, e-mail address, fax number or any other change in the details of his/her relationship record. The Customer also agree that Citibank shall not be liable, in any manner, if any information pertaining to his/her Account(s) becomes in the knowledge of any third party due to, including but not limited to, if such third party has access or using his/her mobile phone/e-mail with or without his/her consent to do so. The Customer agrees to avail Citibank Alerting Service Facility on the Terms and Conditions stated herein and accept and agree to be bound by the said Terms and Conditions.

Definitions
Availability
Process
Joint Accounts
Setting Triggers and Receiving Alerts
Withdrawal or Termination
Fees
Disclaimer
Disclosure
Liability and Indemnity
Amendment

1. Definitions
In these Terms and Conditions, the following terms shall have the following meanings:
Alerts: means the customized messages in response to the Triggers sent either by short messaging service/text ("SMS") over the Customer's mobile phone, e-mail, or fax or any other modes of communication.

Account: means any account(s) which the Customer has with Citibank, which may be a savings/current/fixed deposit/credit card account or any other account.

Citibank: means Citibank, N.A. Egypt.

CSP: means the Cellular Service Provider which is providing mobile telecommunications facility to the Customer.

Customer: means the person who holds/maintains an Account (as defined above) with Citibank.
Facility: means Citibank Alerting Service Facility as offered by Citibank from time to time.
Triggers: means the customized triggers to be set or placed by the Customer with Citibank with respect to specific event/transactions relating to the Customer's Account to enable Citibank to send the Alerts to the Customer specifically related to the Customer’s Account and generalized Alert messages (example: birthday greetings, launch of service) set by Citibank from time to time.

2. Availability
2.1 The Facility will be made available by Citibank to the Customer at the Customer's request. At the sole discretion of Citibank, the Facility may be changed or discontinued at any time, without further notice to the Customer. The Customer may advise Citibank to unsubscribe the Facility in case Citibank has provided the Customer with the Facility without the Customer’s request for the same.

2.2 The Alerts will be sent to the Customer on his/her mobile phone only if the Customer is within the cellular circles of the CSPs or in circles forming part of the roaming network of such CSPs. The Alerts will also be sent to the Customer on such e-mail address of the Customer as provided by him/her to Citibank.

2.3 Citibank may, if feasible, extend the Facility to other cellular circles as well as to subscribers of other cellular telephone service providers, as notified by Citibank, from time to time.

3.Process
3.1 To receive Alerts, the Customer may select and set all or any of the Triggers available on Citibank, Egypt website www.CitibankEgypt.com The Customer may set any Triggers with Citibank through CitiPhone or by written instructions to Citibank.

3.2 The Customer is responsible to acquaint himself/herself with the process for using Citibank Alerting Service and Citibank is not responsible, in any manner, for any error by the Customer in setting the Triggers and/or use of the Citibank Alerting Service.

3.3 To set Triggers over Citibank Egypt website, the Customer may be required to use the Citibank Online Facility and the Terms and Conditions relating thereto will apply. To set Triggers through CitiPhone the Customer will be required to use his/her T-PIN. Alerts will be sent over the Customer's mobile phone number and e-mail address registered with Citibank. The Terms and Conditions relating to Citibank Online and the General Terms and Conditions applicable to liability account(s) and the Credit Card Terms and Conditions must be read in conjunction with and in addition to these Terms and Conditions and the Customer will be responsible to comply therewith. To set the Triggers by written instructions, Customer will fill in the prescribed application form and sign the same and send it by fax/courier in order to enable Citibank to set the Alerts for the Customer after following its internal verification process of such application.

3.4 The Customer acknowledges that Citibank Alerting Service will be implemented in stages and Citibank may at a later stage; as and when feasible, send Alerts via other mediums of communication. Citibank may, from time to time, change the features of any Triggers or Alerts/Facility. The Customer will be responsible for keeping himself updated of the available Triggers or Alerts, which will be notified by Citibank over its Website. The Customer may, from time to time, change or add to the Triggers he/she has selected, without the necessity of a new registration.

4. Joint Accounts
The Facility will be available for “Joint-Or” accounts, to the account holder(s) who have their Debit Card issued

5. Setting Triggers and Receiving Alerts
5.1 Citibank, at no time, will acknowledge receipt of any instructions or Triggers set by the Customer nor will Citibank be responsible to verify any instructions or Triggers or the Customer's T-PIN or mobile phone number or fax number. Citibank will endeavor to give effect to Instructions and Triggers on a best effort basis and as soon as practically possible for Citibank and Citibank shall not be responsible, in any manner, to the Customer for its inability to give effect to the instructions.

5.2 Citibank may, in its discretion, not give effect to any Triggers if Citibank has reason to believe (which decision of Citibank shall be binding on the Customer) that the Triggers are not genuine or otherwise improper or unclear or raise a doubt or in case any Triggers cannot be put into effect for any reasons whatsoever.

5.3 The Customer is responsible for intimating to Citibank any change in his mobile phone number or e-mail address or Account details and Citibank will not be liable for the Customer's receipt of Alerts or other information over the Customer's mobile phone number/e-mail address /fax number recorded with Citibank.

5.4 The Customer acknowledges that to receive Alerts, his mobile phone must be in an "on" mode. If the Customer's mobile phone is switched off/powered off for a continuous 24 hour period from the time of delivery of an Alerts message by Citibank or out of the mobile phone service area, that particular message will not be received by the Customer.

5.5 Triggers will be processed by Citibank after their respective receipt by Citibank. Citibank, in its discretion, will decide the processing time for Triggers. The Customer acknowledges that there will be a certain time lag between Citibank processing the Triggers and sending the Alerts.

5.6 The Customer acknowledges that the Facility is dependent on the infrastructure, connectivity and services provided by the CSPs and other service providers engaged by Citibank. The Customer accepts that timeliness, accuracy, and readability of Alerts sent by Citibank will depend on factors affecting the CSPs and other service providers. Citibank shall not be liable, in any manner, for non-delivery or delayed delivery of Alerts, error, loss or distortion in transmission of Alerts to the Customer. Citibank shall not be liable for Customer's lack of receipt of Alerts due to any defects in Customer's phone or damage caused to the Customer as a result of use of the Facility (including relying on the Alerts for the Customer's investment or business purposes) for causes which are not attributable to Citibank. Citibank shall not be liable in any manner to the Customer in connection with the use of the Facility. Citibank shall not be liable if the CSP does not distribute, block or discontinue the Alerts originating from Citibank.

5.7 The Customer accepts and understands that each Alert may contain Account information relating to the Customer. The Customer authorizes Citibank to send Account-related information. The Customer acknowledges that Citibank Alerting Service sent to him contains confidential information and should such confidential information may be received by another person other than the Customer due to operational fault or technical defects and in that event Citibank shall not be liable or responsible therefore. The Customer further understands that information relating to his/her Account will be transmitted/passed through the computer and telecommunication systems of the CSP for the purpose of the arrangement made hereunder and the Customer will have no objection and/or claim of whatsoever nature in this respect.

5.8 By agreeing to the Terms and Conditions of Citibank Alerting Service, the Customer accepts the option to use the enhanced options as and when they are made available by Citibank, which may include but not be limited to; transferring of funds, making bill payments, conversion of funds from one currency to another. Upon Citibank's offering of the enhanced options, the Customer shall be advised as to the fees charged for the various enhanced options available. Such Alerts shall be charged on a per transaction basis or otherwise as determined by Citibank.

6. Withdrawal or Termination
Citibank may, in its discretion and without prior notice and incurring any liability, temporarily suspend the Facility or terminate it completely.

7. Fees
The Facility will be subject to payment of fee as determined by Citibank from time to time and notified in the latest Schedule of Charges of Citibank. Citibank will have the right to change the fee payable by the Customer for the Facility by giving notice to the Customer and in case of any change in the amount of fee will be published in the schedule of charges and the same will be deemed as notice to the Customer. The Customer hereby authorizes Citibank to recover the subject fee by debiting/charging the Customer's Account. The Customer shall be charged for the full month even if the Customer discontinues anytime during the month. The Customer shall be liable for payment of such airtime or other charges which may be levied by the CSP in connection with receipt of the Alerts and Citibank will not be liable for any such charges.

8.Disclaimer
8.1 the Customer is solely responsible for protecting/securing his/her ATM PIN/User Name/Password/Challenge Answers and mobile phone/equipment, mobile phone number/e-mail address and all losses and damages arising due to disclosure/divulgence of ATM PIN/User Name/Password/Challenge Answers will be liability of the Customer.

8.2 Citibank will not be liable for (a) any unauthorized use of the Customer's ATM PIN/User Name/Password/Challenge Answers or mobile phone or for any fraudulent, duplicate or erroneous instructions /Triggers given by Customer's use of the Customer's ATM PIN/User Name/Password/Challenge Answers or mobile phone number; (b) acting in good faith on any instructions/Triggers received by Citibank; (c) error, default, delay or inability of Citibank to act on all or any of the instructions /Triggers; (d) loss of any information/instructions /Alerts in transmission; (e) unauthorized access by any other person to any information /instructions /Triggers given by the Customer or breach of confidentiality;

8.3 Citibank will not be liable in any manner in case of any dispute between the Customer and the CSP and makes no representation or gives no warranty with respect to the quality of the service provided by the CSP or guarantee for timely delivery or accuracy of the contents of each Alert.

9. Disclosure
The Customer accepts that all information/instructions/Triggers will be transmitted to and /or stored at various locations and be accessed by personnel of Citibank (and its affiliates). Citibank is authorized to provide any information or details relating to the Customer or his Account to the CSPs or any service providers insofar as is necessary to give effect to any Instructions/Triggers and Citibank shall not be responsible for acts/omissions of CSP and/or other service providers.

10.Liability and Indemnity
The Customer shall not interfere with or misuse in any manner whatsoever the Facility and in the event of any damage due to improper or fraudulent use by the Customer, the Customer shall be liable for damages, losses and claims/actions against Citibank. In consideration of Citibank providing the Facility, the Customer agrees to indemnify and hold Citibank harmless from and against all actions, claims, demands, proceedings, loss, damages, costs, charges and expenses whatsoever which Citibank may at any time incur, sustain, suffer as a consequence of or arising from the Customer acting, or omitting to act on any instructions given by use of the Facility. Once the Customer unsubscribe, he/she shall still be liable for all the Triggers, Alerts, and transactions that have occurred until Citibank deactivates the Citibank Alerting Service Facility provided to the Customer.

11. Amendment
Amendment: Citibank may amend/change the above Terms and Conditions, at any time by giving notice to the Customer and such amended terms and conditions will thereupon apply to and be binding on the Customer

12. The Terms and Conditions as stated hereinabove are in addition to the Citibank General Terms and Conditions Applicable to All Accounts and/or Citibank Credit Card Terms and Conditions as applicable from time to time. In case of conflict between any provisions of the conditions governing Citibank Alerting Service and the General Terms and Conditions Applicable to All Accounts and/or Citibank Credit Card Terms and Conditions, the provisions of Citibank Alerting Service shall prevail subject to the condition that the subject matter of the dispute pertains to the Facility. In all other cases the provisions of the General Terms and Conditions Applicable to All Accounts and/or Citibank Credit Card Terms and Conditions shall prevail over the conditions governing Citibank Alerting Service.