TERMS AND CONDITIONS

OF 0% INTEREST INSTALLMENT PLAN PROGRAM AT CITIBANK

1. Citibank 0% Interest Installment (Citi PayLite) is applicable to Vietnamese individual clients whose
VISA, MASTERCARD
credit cards are issued by Citibank (Not applicable to Flexible Credit Card).

2. Content of Citi PayLite:

2.1 The 0% Interest Installment Plan is only applied for transactions made by Citibank Credit Cards at specific outlets of affiliated partners. Different available selection of Installment Tenors (3, 6, 9 or 12 months) are updated in Citibank Website for different Merchants.

2.2 The minimum transaction amount to be eligible for Citibank 0% Interest Installment Plan is VND 3,000,000 (Three million VND).

2.3 The 0% Interest Installment Plan transaction cannot be reversed in any circumstance and any request to cancel the Installment plan after Cardholder applies shall not be processed.

2.4 Transaction via Citi PayLite is not applicable with Citi Miles, or Rewards Points or Cash Back.

2.5 Citibank reserves the right to decline any ineligible application of the 0% Interest Installment Plan with no responsibility of all credit card outstanding amount arising from the refused transaction.

2.6 Before applying for the 0% Interest Installment Plan of Citibank (Citi PayLite), please read the 0% Interest Installment Plan Terms and Conditions carefully here. By applying the 0% Interest Installment Plan, you have accepted the terms and conditions set out below and shall be bound by them.

3. After making a successful payment, the cardholder send SMS with the syntax 0 to 6058. Citibank will resend the link to the Citi PayLite registration form.

Cardholders do not have to pay any additional fees for this conversion.

4. 4. For more information, please contact:

4.1 OnePAY hotline: 1900 633 927 (from 8:30 AM to 6:30 PM) or support@onepay.vn

4.2 Citibank Callcenter: (84 28) 3521 1111