^Citibank's Dining Program is operated by Pinpoint Pty Ltd ABN 49 002 693 656 and Zenith Wine Agencies Pty Ltd ABN 66 128 399 717 and is open to Citibank cardholders. The cardholder is entitled to receive a gift of a selected bottle of wine when using their Citibank credit or debit card to pay for their restaurant bill. This offer is available only at participating partner restaurants for dine-in customers who order a minimum of a main course per person or spend over $50 in participating yum cha restaurants, and is limited to one free bottle of wine per booking. Split bills are not permitted. The free bottle of wine must be requested at the time of ordering. The free bottle of wine cannot be taken away or consumed off premises and is not available to customers selecting a degustation menu option with matching wines. The free bottle of wine specified may be out of stock or replaced. Should this occur, the restaurant will provide a similar quality bottle of wine at their discretion. Program not to be used in conjunction with any other offer.

Citibank Rewards Credit Card - Platinum

Your total balance transfers may not exceed 80% of your credit limit. The 1.9% p.a. interest rate applies to balances transferred with this offer at point of application, for a period of 15 months. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the Annual Percentage Rate for cash advances, currently 21.74% p.a. The current Annual Percentage Rate for retail purchases is 20.99% p.a. Interest rates are variable, subject to change and credit criteria. The interest rates are current as at 7 December 2012. This offer ends 31 March 2013. Current Citibank Credit Cardholders are not eligible to apply for this introductory offer.

International Travel Insurance, Extended Warranty Insurance, Transit Accident Insurance, Guaranteed Pricing Scheme Insurance and Purchase Cover Insurance are provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No.232507 and Citigroup Pty Limited, and are subject to Terms and Conditions and exclusions available at www.citibank.com.au/complimentaryinsurance. An excess applies to Purchase Cover Insurance.

All rewards are subjected to the Terms and Conditions of the Citibank Rewards Program. Cash advances do not earn Reward points.

Citibank's Dining Program is operated by Pinpoint Pty Ltd ABN 49 002 693 656 and Zenith Wine Agencies Pty Ltd ABN 66 128 399 717 and is open to Citibank cardholders. The cardholder is entitled to receive a gift of a selected bottle of wine when using their Citibank credit or debit card to pay for their restaurant bill. This offer is available only at participating partner restaurants for dine-in customers who order a minimum of a main course per person or spend over $50 in participating yum cha restaurants, and is limited to one free bottle of wine per booking. Split bills are not permitted. The free bottle of wine must be requested at the time of ordering. The free bottle of wine cannot be taken away or consumed off premises and is not available to customers selecting a degustation menu option with matching wines. The free bottle of wine specified may be out of stock or replaced. Should this occur, the restaurant will provide a similar quality bottle of wine at their discretion. Program not to be used in conjunction with any other offer.

Citibank Plus

Citibank Plus is issued by Citigroup Pty Limited ABN 88 004 325 080, AFSL 238098 ('Citibank'). The Terms and Conditions that apply are available on request. Total balances held by a depositor with Citibank, up to an amount of AUD$250,000, automatically access the Financial Claims Scheme. For more information go to www.apra.gov.au or call 1300 55 88 49. Any advice is general advice only. It was prepared without taking into account your objectives, financial situation, or needs. Before acting on this advice you should consider if it's appropriate for your particular circumstances. Further information and our dispute resolution process is available at www.citibank.com.au or by phone on 1300 137 931.

Non-Citibank and non-Partner* ATM owners may charge you a fee for use of their ATMs. Partner ATMs include Westpac branded, St. George, Bank of Melbourne and Bank SA ATMs within Australia.

Citibank Mortgage Plus

Fees and charges apply for our credit card and home loan products, and terms and conditions apply and are available upon request. Home loan offers apply to residential loans only. Loans are subject to Citibank Credit Criteria. Rates and rate reductions offers are available for new loans only and are subject to change without notice. Establishment fees and, where applicable, legal fees apply. The Citibank Mortgage Plus package is not offered with Basic Variable loans or stand alone Standard Fixed Rate loans. The Citibank Plus Transaction Account is not mandatory if you have a Standard Variable Offset Mortgage.

Only applicable for new Mortgage Plus package home loan applications received by Citibank from 14 May 2012, with an LVR less than or equal to 80% and a loan amount greater than or equal to $150,000. Offer is available for a limited time and can be withdrawn at any time without notice. This promotion cannot be combined with any other offer or discount. Other terms and conditions apply.

Annual package fee of $350 as at 1 July 2010 and subject to change without notice.

Discounts are dependant on loan amount and Loan to value ratio. Fee waiver vouchers cannot be used in conjunction with the Mortgage Plus package.

Fixed rates quotes are held 60 days from the day the application is submitted. If settlement occurs after the 60 days, the prevailing fixed rate will apply.

Citibank Ready Credit - Fixed Payment Option

Fees and charges apply. Terms and conditions apply and are available upon request. Credit criteria apply.

(a) This offer is subject to our credit criteria and your existing accounts with us being in good order at the time of processing. (b) Your Fixed Payment Option amount uses part of your existing credit limit. As this is not additional credit, there is no change to your existing credit limit. As you pay off your Fixed Payment Option amount, the amounts you pay off will become available for you to use again as part of your credit limit. (c) The date of purchase must be within three months from card activation. To be eligible, the purchase must be made using this account; it must be a single transaction on your account and for an amount of $500 or more. You need to tell us about the transaction and request the Fixed Payment Option before the current statement date which the transaction appears. Please allow at least two working days from date of purchase before requesting the transfer. (d) If you fail to pay the Monthly Instalment by the Payment Due Date, this instalment amount will be charged at the standard interest rate. We also reserve the right to cancel your Fixed Payment Option. If your Fixed Payment Option is cancelled, the full outstanding balance of your Fixed Payment Option will also revert to the standard Annual Percentage Rate. (e) For the full terms and conditions of your Fixed Payment Option, please refer to the Unsecured Revolving Credit Terms and Conditions.

$69 establishment fee will be debited to your Account on the first use of your Account (including Card activation). This fee will appear on your first statement of Account.

A credit line of between $5,000 and $30,000 will be assigned based on our credit criteria, your credit rating, and subject to confirmation that you earn a minimum of $35,000 per year.

The Citibank Ready Credit standard variable Annual Percentage Rate is currently 18.99% p.a. Interest rates are variable, subject to change and credit criteria. The interest rates are current as at 1 August 2012.

Extended Warranty Insurance, Purchase Cover Insurance and Guaranteed Pricing Scheme are provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 232507 and Citigroup Pty Limited, and are subject to Terms and Conditions and exclusions available at www.citibank.com.au/complimentaryinsurance. An excess applies to Purchase Cover Insurance.

Citibank Insurance

Citigroup Pty Limited ABN 88 004 325 080, AFSL 238098 ("Citibank") is the distributor of insurance products. Any advice is general advice only. It was prepared without taking into account your objectives, financial situation, or needs. Before acting on this advice you should consider if it's appropriate for your particular circumstances. Before making a decision please read the relevant Product Disclosure Statement available at citibank.com.au/insurance.

© 2013 Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098. Citibank®, Citi® and Arc Design® are service marks of Citigroup Inc.