Citibank Online Notices

	During your session, please do not use Browser Back Button and use "Back" or "Cancel" button inside Citibank Online.

Account Information Balance Summary Account Activity Download Account Activity Limit Control Fund Transfers Domestic Funds Transfers Transfers to Unregistered Payees Suspending and Reactivating Fund Transfers to Unregistered Payees Transfers to Registered Payees Overseas Remittance Funds Transfer/Remittance Fees Transfers between the same currencies Buy/Sell Foreign Currency Buy/Sell Foreign Currency Cross Currency Transactions Order Watch Yen･Foreign Currency Time Deposits/Structured Deposits Open MultiMoney Yen Time Deposit Yen･Foreign Currency Time Deposit Open Monthly Smile Open Premium Deposit Opening World Mix Pre-terminate Step Up Time Deposit Changing Maturity Instructions Time Deposit Transfers with No Maturity Instructions for Automatic Renewal Opening Time Deposit with application of special interest rate offered as part of a promotion

MultiMoney Credit Transfers: Borrowing from MultiMoney Credit/Repayment Customer Service Configure Alert Service and Instant Insight E-mail Address for Alert Service and Instant Insight Manage e-Statements One Time Password (OTP) Service Registering for the OTP Service Changing Your OTP email Address Disabling the OTP Service e-Form Change Address/Phone Number Limit Control Change "Personal Profiling for Investment" questionnaire Conduct Profiling Customize Toolbar General Information/Miscellaneous Notes Regarding Numeric Entries Notes Regarding email Address Entries Deadlines for Transactions Processed on Business Days Where to Call for Inquiries Hours of Services Entering Japanese Characters/Supported Characters Bank Transaction Codes ISO Currency Codes Japanese Translations of Technical Words in English

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Account Information

Please note that details of your Time Deposit accounts may not be shown if you have opened more Time Deposit than Citibank Online is able to display.

Balance Summary

Transactions made at Citibank Online after 16:50 on business days or at any time during weekends or holidays will be posted to your account the next business day and your account balance at ATM machines will be updated at that time.
The hours for services vary depending on the transaction. Please refer to Hours of Services.

ATM, branch, and J-Debit transactions made after 16:50 on business days, or at all times during weekends and holidays will be posted to your account the next business day.

Your total average monthly relationship balance is not available after 16:50 on business days or at any time during weekends or holidays.

For customers who choose MultiMoney Savings account as Source Account for Order Watch, the amount used for placing an Order Watch request is included in the amount shown as "Available amount". However that allocated amount is not usable for any other transaction. Thus please be reminded that the actual amount available for new transaction from funds in the MultiMoney Savings account is total "Available amount" less the amount of Order Watch requests.

If you have not borrowed from MultiMoney Credit before, or if you have recently borrowed from an account from which you have not borrowed before, your displayed borrowing rate from MultiMoney Credit will be set at 0.0000%. The rate for borrowing money (in the currency you borrowed) will be reflected in your account the next business day.

Account Activity

For information regarding technical codes and translations of technical words in English, please refer to the charts displayed by clicking on the links below.

• Bank Transaction Codes
• ISO Currency Codes
• Japanese Translations of Technical Words in English

Download Account Activity

You may download your transaction records for the past 180 days.

Your downloaded transaction record will include your most recent transactions from the date you select. If the date you select is a holiday, the transaction record for one business day prior to the holiday you selected will be shown at the top of the transaction record.

The date of your transaction record that you wish to download must be entered as Month/Day/Year using only one-byte numbers. (Example: 04/23/2007)

Currently, the only download format available at Citibank Online is the CSV format.

Limit Control

The amount that will be displayed as your Limit Control does not indicate your available account balance. The limit you can withdraw with your cash card (excluding that of your corporate accounts) and the limit of funds you can transfer per day (One business day is from 0:00 on one day to 24:00 on the next day in Japan Standard Time) will be displayed.

For questions regarding the Limit Control for corporate account, please consult an associate at one of our branches or call CitiPhone Banking.

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Fund Transfers

Transactions made on Citibank Online after 18:30 (Japan Standard Time) on business days and on Saturdays, Sundays and other banking holidays are generally handled as belonging to the next business day.

Domestic Funds Transfers (To domestic Citibank branches and other domestic financial institutions)

The hours for domestic funds transfers are shown below.

Funds transfer Hours

*	The times shown above are in Japan Standard Time.
*	The business hours shown above are subject to change at any time without prior notice.
*	Service may be unavailable during early morning or evening hours on business days.

• Funds transfers may not be canceled once they are requested.
• When payees cannot be verified, such as cases in which the payee name that you entered and the account holder's name registered at the agent bank do not match, etc., the amount of funds you request to transfer will be refunded into your account.
• Remittance fees that you have already paid are non-refundable.
• The account holder's name will be used as the payer's name.
• The funds transfer service for corporate or non-resident accounts is not available at Citibank Online.
• When entering the amount to be transferred, only one-byte numerals may be used. Please do not enter commas (,) every three digits from right to left single, or the Yen sign (¥).
• Please note that there are exceptions in the use of “characters that may be used.” There are cases in which “ン” followed by “ヴ” in Kata-kana characters, using one-byte or two-byte letters, may not be recognized by our computer system. (Example: 「アンヴァース」, 「～ンヴィラ」, etc.)
  List of permissible characters

Transfers to Unregistered Payees

• You must enter a One Time Password in order to use the "Transfers to Unregistered Payees" menu. Please refer to the section on the One Time Password Service for information on One Time Passwords.
• We recommend that you use the "Transfers to Registered Payees" option instead of "Transfer to Unregistered Payees" for important transactions or frequent transfers due to uncertainties such as the One Time Password being delayed, not arriving or problems occurring with your mobile phone.
• The name on the bank account serves as the name of the remitter.
• If transfer procedures cannot be completed due to problems with the recipient's name, etc., the transfer amount will be returned to the debit account and you will be sent a message via Citibank Online. However, transfer fees that have already been paid will not be refunded.
• If the name of the recipient registered with the payee financial institution contains impermissible characters, the automatic search function will not work. You must enter the name of the recipient after the automatic search function stops.
• If the automatic search for the recipient account does not work, enter the name of the recipient in katakana or alphanumeric characters (up to 40 characters). Input a space between the last name and first name.
• The recipient's name will be displayed in one-byte characters on the final confirmation screen.
• Make sure to enter the payee's account number in single-byte characters.

Suspending and Reactivating Fund Transfers to Unregistered Payees

You may temporarily deactivate fund transfers to unregistered payees via Citibank Online. You can also reactivate the service after it has been temporarily deactivated. However, you will need to enter a One Time Password in order to do so.

Transfers to Registered Payees

• When you make a domestic transfer to unregistered payee, you can add the beneficially account to unregistered payee list.
• There are cases in which funds transfers to registered payees may not be submitted due to name changes, branch or account number changes caused by name changes, and/or closures or consolidations of financial institutions. If such changes occur, you need to re-register the payees.
• Payee registration may only be done by post. Please download the PDF application form at Citibank Online, or call CitiPhone Banking to obtain the application form by fax.
• If you do not wish to keep a beneficially account you can delete it from payee list.

Daily transfer limits

•	Regardless of your OTP service status (enabled or disabled), if you have register a PC email address for receiving your One Time Password before without any email update request after that, the transfer limit for transfers to registered payees will be reduced to 2,000,000 yen.

Overseas Remittance

• Overseas remittance transactions may be made at any time except between the hours of 15:00 to 18:30 (Japan Standard Time) on business days. And please note that this service may be unavailable during early morning hours on business days.
• Remittance requests made after 15:00 (Japan Standard Time) on business days or at any time on weekends or holidays will be processed on the next business day. For details, please refer to the chart below. Please note that our online service hours are subject to change at any time without notice.
• The amount of money that may be remitted overseas per transaction is equivalent to greater than 10,000 yen up to 3 million yen.
• To remit an amount that is equivalent to greater than 3 million yen, please call CitiPhone Banking.
• If you select a Foreign Currency Savings account as your debit account for remittance, Foreign Exchange fees will be calculated using the TTB rate, and the Yen equivalent amount will be deducted from your MultiMoney Savings deposit in the currency in which you requested for the remittance of funds. There are also cases in which corresponding banks and/or the agent bank, including Citibank's foreign branches, charge and deduct additional handling fees from the amount remitted.
  Once a remittance request has been made, it may not be canceled.
• U.S. Dollar Savings (with Gaika cash card use) may not be selected as your debit account for this service.
  The account holder's name will be used as the payer's name.
• The name of the remitter must be the same as the name of the account holder. Remittance on behalf of a third party (Individual and/or Corporate) is not accepted.
• Please ensure that you confirm your remittance transaction in the menu item, "Account Details and Activities," after you request remittance.
  The funds transfer service for corporate or non-resident accounts is not available at Citibank Online.
• Business funds transfers are not allowed for personal account holders.
• If you cannot find the reason for your remittance in the drop-down menu, please use our CitiPhone Banking service.
• Registering payee information in advance is required in order to use our online overseas remittance service. Please download the PDF application form at Citibank Online, or call CitiPhone Banking to obtain the application form. Also, it is possible to register transfer information for overseas remittance in foreign currency through e-Form service on Citibank Online.
• You may execute only one overseas remittance transaction per business day (One business day is from 0:00 on one day to 24:00 on the next day in Japan Standard Time).

Hours for Overseas Remittance service

*	The times shown above are in Japan Standard Time.
*	The business hours shown above are subject change at any time without prior notice.
*	This service may be unavailable during early morning or evening hours on business days.

Approximate Time for Funds to be Remitted

*	Please note that remittance may be delayed due to each country's processing system for remittance and due to their local conditions, customs, laws, and regulations, etc.

Funds Transfer, Remittance Fees

Funds Transfer, Remittance Fees

*	Funds transfer or remittance fees are determined based on the total average monthly relationship balance in the previous month.

• If you select a Foreign Currency Savings account as your debit account for remittance, Foreign Exchange fees will be calculated using the TTB rate, and the Yen equivalent amount will be deducted from your MultiMoney Savings deposit in the currency in which you requested for the remittance of funds.
• In addition to the fees shown above, there are cases in which corresponding banks and/or the agent bank, including Citibank's foreign branches, charge and deduct handling fees as well.
• The national sales tax is included in the fees given above.

The Total Average Monthly Relationship Balance

Fees are based on the total average monthly relationship balance in the previous month.
Fees that have already been paid are non-refundable.

Funds Transfers to the Corporate Account of Citibank Japan, Ltd.

In most cases, funds transfer requests are processed on the next business day, even if the requests are made before 14:30 (Japan Standard Time) on a business day.
Please note that Citibank takes no responsibility for possible damages this may cause.

Funds transfers cannot be made to corporate accounts that have 10-digit account numbers.

Request Refund

If a customer wishes to request a refund of funds that have already been submitted, Citibank Japan, Ltd. may request the agent bank to refund the funds.
In such cases, the agent bank or the recipient will determine whether the funds should be refunded.
Please note that refunds or refund dates cannot be guaranteed.
Please note that a refund request requires an additional fee.
The additional fee for a refund request cannot be refunded once it is paid, even if your funds are not returned into your account.
For more information about refund requests, please call CitiPhone Banking.

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Transfer (Between Yen accounts you have at Citibank Japan.)

Transactions made at Citibank Online after 16:50 on business days or at any time during weekends or holidays will be posted to your account the next business day.

Any amount of funds greater than 5 million Yen may not be transferred in one transaction. If you would like to transfer funds greater than 5 million Yen, please divide the amount so each transfer request does not exceed the limit of 5 million Yen.

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Buy/Sell Foreign Currency

Transactions made at Citibank Online after 16:50 on business days or at any time during weekends or holidays will be reflected on the next business day.

Application of the Spot Rate

• If the amount of money to be transacted is equivalent to or greater than 20,000 United States dollars, the rate that will be applied will be displayed on the screen for each transaction.
• When a transaction of an amount equivalent to or greater than 20,000 United States dollars is executed, the exchange rate calculated with the Foreign Exchange fee and the current market rate as of the transaction day will be applied. Therefore, the displayed rates may be updated and changed during the transaction due to market fluctuation. In such cases, please try the transaction again at Citibank Online, or call CitiPhone Banking.
• Transactions for any amount equivalent to or greater than 50 million yen may not be executed at Citibank Online. In such cases, please consult an associate at one of our branches or call CitiPhone Banking.
• Please note that the amounts given above are subject to change due to Foreign Exchange market trends.

Cross Currency Transactions

Cross Currency transactions (conversion of one foreign currency into another foreign currency) may be executed during one session, but such transactions require the original foreign currency to be converted into Yen first, then the Yen amount will be converted into your selected foreign currency.

When the amount of money in one transaction is equivalent to 1 million yen*, the Mid Rate will be applied when your original currency is converted into Yen. When Yen is converted into another foreign currency, the TTS rate will be applied as normal.

*	How the “amount equivalent to 1 million yen” is calculated.
	If your selected amount is entered in the original foreign currency, the TTB rate for the original currency is applied when converting into Yen.
	If your selected amount is entered in another foreign currency, the TTS rate for the foreign currency is applied when converting into Yen.

“Reference Cross Currency Rates” are for reference only and reflect the Foreign Exchange rate upon executing Cross Currency transactions.
Below is the method for the calculation of Reference Cross Currency Rates.
The amount in another foreign currency, divided by the amount in the original foreign currency, equals the Reference Cross Currency Rate. (Only 5 digits after the decimal point will be displayed.)

The amount in foreign currencies calculated with the Reference Cross Currency Rate may not be the same as the amount to be transacted.

The special rate for CitiGold members is not applied to Cross Currency Transactions executed at Citibank Online. To use this special rate, please ask our customer service staff at CitiPhone Banking, or an associate at one of our branches.

Order Watch

• During the effective period of the order, the order amount cannot be used for other transactions. If you desire to use the same funds for other transactions, you must first cancel your order.
• After funds are converted into the designated currency, it is credited to designated Savings account. Depending on the time of order execution, the withdrawals of the converted currency will be available from the next business day after the execution.
• For customers who choose MultiMoney Savings account as Source Account for Order Watch, the amount used for placing an Order Watch request is included in the amount shown as "Available amount". However that allocated amount is not usable for any other transaction. Thus please be reminded that the actual amount available for new transaction from funds in the MultiMoney Savings account is total "Available amount" less the amount of Order Watch requests.

• Order Watch service is not available for corporate customers.

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Time Deposits/Structured Deposits

Transactions made at Citibank Online after 16:50 on business days or at any time during weekends or holidays will be reflected on the next business day.

Opening Yen Time Deposit

• Yen Time Deposit may not be canceled before maturity at Citibank Online. Please call CitiPhone Banking to request cancellation.

Foreign Currency Time Deposit

• Foreign Currency Time Deposit, including those automatically renewed, may not be canceled before maturity, except for Step Up Time Deposit, which may be canceled after 6 months at your request.

Opening Monthly Smile

• Monthly Smile Deposits may not be canceled before maturity.
• Interest from the Monthly Smile may only accrue in Yen or the currency of your Monthly Smile Deposits. A change of currency for receipt of your interest may not be made during the tenure of your Monthly Smile service.
• If you select to receive your Monthly Smile interest in the foreign currency of your deposit, your interest will be transferred into your MultiMoney Foreign Currency Savings deposit. If you select to receive your interest in Yen, your interest will be transferred into your Yen Savings account. If you select to receive your interest in Yen, and have an e-Savings account, your interest will be transferred into your e-Savings account.
• Your monthly interest will be transferred into your account on the last business day of each month, but the amount may not be withdrawn until the next business day. If you select to receive your monthly interest in a currency that is different from the currency of your deposit, the interest will be automatically converted into your selected currency with the application of the TTB rates as of the last business day of each month.

Opening Premium Deposit

• In principle from 8:00a.m. on Monday until 5:00a.m. on Saturday excluding system maintenance hours and Japan holidays.
• The Premium Deposit incorporates Foreign Exchange options into the regular Time Deposit. If your selected terms are to be executed at maturity, your deposit will be converted into your selected currency.
• The Premium Deposit bears inevitable “Exchange risks,” and fluctuations in the Foreign Exchange market may cause a loss of principal. This service is only suitable for customers who understand and tolerate the inevitable risks of principal loss.

Opening World Mix

• Withdrawals are not allowed before maturity. This also applies to all the currency deposits in each World Mix package, including those with auto renewal.
• World Mix can be sourced only from Yen. The principal and interest deposited in MultiMoney Foreign Currency Savings Deposits after maturity cannot be used as is for opening another World Mix deposit.

Receiving Interest in Monthly payout "Monthly Smile"

• Interest from Monthly Smile may accrue in either Yen or in the currencies of your World Mix deposit. The selected interest payment method cannot be changed and will remain the same in case of auto renewal also.
• If you select to receive interest in the currencies of your World Mix deposit, the interest will be deposited in the respective MultiMoney Savings Account.
• If you select to receive interest in Yen, the interest will be transferred into your Yen Savings account. If you have an e-Savings account, your interest will be transferred into your e-Savings account.
• Your monthly interest will be transferred into your account on the last business day of each month, but the amount may not be withdrawn until the next business day. If you select to receive your monthly interest in Yen, the interest will be automatically converted into Yen at the TTB rate applicable on the last business day of the month.

Canceling Step Up Time Deposit

• There is a six-month no-cancellation policy for Step Up Time Deposit. If you would like to cancel your Step Up Time Deposit after its tenure, please call CitiPhone Banking. Please note that all Foreign Currency Time Deposit have a no-cancellation policy.

Change Maturity Instructions

• Requests to make changes to your maturity instructions may be made until 16:50 (Japan Standard Time) on the maturity date. However, there are cases in which changes may not be made on the maturity date, depending on your pre-set maturity instructions. In such cases, please call CitiPhone Banking by 16:50 on the maturity date and consult an associate.

Time Deposit Transfers with No Maturity Instructions for Automatic Renewal

• Your principal and net interest will be available for transfer the next business day after the maturity date. If you would like your principal and net interest to be transferred into your MultiMoney Savings deposit on the maturity date, please call CitiPhone Banking and consult an associate.

Opening Time Deposit with application of special interest rate offered as part of a promotion.

• Special promotional interest rates may only be applied until the first maturity date.
• Please note that special promotional interest rates will not be applied to automatically renewed Time Deposit.
• Special promotional interest rates may not be applied to existing active Time Deposit.
• Foreign Currency Time Deposit, including those automatically renewed, may not be canceled before maturity, except for Step Up Time Deposit, which may be canceled after 6 months at your request.

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MultiMoney Credit

Transactions made at Citibank Online after 16:50 on business days or at any time during weekends or holidays will be reflected on the next business day.

Transfers: Borrowing from MultiMoney Credit/Repayment

You may borrow up to three times per day.

The “Available Balance” in foreign currencies is calculated into Yen with our reference Foreign Exchange rate. Therefore, the actual available balance may not be the same amount as the “Available Balance” shown, due to Foreign Exchange rate fluctuations.

Borrowing after 16:50 (Japan Standard Time) on business days will be processed on the next business day. Borrowing may be declined if other transactions are executed by the next business day. In such cases, please confirm whether or not your request has come through on the next business day.

Repayments made after 16:50 (Japan Standard Time) on business days will be processed the next business day. The interest displayed becomes invalid after online service hours. The actual interest may increase on the next business day. Therefore, please execute such transactions (such as full payments) during online banking hours, (Japan Standard Time 9:00 - 16:50 on business days).

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Customer Service

Configure Alert Service and Instant Insight

• The Alert Service is not available for corporate or joint account holders.
• Checking accounts may not be registered for this service.
• You can change your registered e-mail address for Alert Service and Instant Insight from "E-mail Address for Alert Service and Instant Insight" menu.

E-mail Address for Alert Service and Instant Insight

• You may register up to two e-mail addresses.
• If you delete your e-mail address registered for the Alert Service and Instant Insight, the settings for your Alert Service and Instant Insight will become invalid.
• "E-mail address 2" will replace "E-mail address 1" if you delete your registered E-mail address 1.
• If you set your mobile phone e-mail filter feature to only accept e-mails from specified addresses, please add "citi.com" as one of your specified addresses.

Manage eStatements

• The eStatement Service is a service for sending your bank statements to the email address of your choice in the PDF file format.
• eStatements are sent as a PDF file attachment that has been encrypted with a 14-digit password. (The 14-digit password is made up of your initials (two characters), the last six digits of your MultiMoney Account number, and the six digits that make up your birthday (year/month/day).
• You are not allowed to register a mobile phone email address to receive eStatements, because some mobile phones are not able to open PDF files.
• You can also opt to receive an email indicating that your eStatement has been sent. If you are interested, please register the email address you want to use to receive this notification. Please note that you must register a different email address than the one you use to receive eStatements.
• You may register email addresses that are no more than 40 single-byte alphanumeric characters.
• It is possible that you will not receive the email at the address you've registered if your Internet provider misidentifies it as spam or junk mail. Make sure to enable settings for permitting email from the domain "citi.com". Refer to your Internet provider's website for more information.
• Registration procedures require a certain amount of time. Postal delivery of an account balance report (and statement) is sometimes required in order to complete the procedures.
• All account information currently sent by post, including information on mutual fund accounts, is encrypted as a PDF file. The PDF file is then sent as an email attachment to the email address you've registered to receive eStatements.
• To view eStatements (PDF files), you will need the latest version of Adobe ® reader. You will need to enter the 14-digit password in order to view the PDF file, even if you've saved it on your computer.
• The email address you register when opening an account or applying for the eStatement Serve is changed to the new address you register as a part of these procedures. (This does not apply to the email address you use for the Alert Service.)
• You are not allowed to receive both eStatements and paper account balance reports (statements).

One Time Password Service

• You must enter a One Time Password in order to use the "Transfers to Unregistered Payees" or "eForm" menus.
• A One Time Password will be sent to the email address you've registered.
• OTP is valid for one transaction within 15 minutes, as long as you do not sign off Citibank Online. For your security, even if OTP is not used, it becomes invalid 15 minutes after being issued. Also, once OTP is used, even if the transaction could not be completed, it becomes invalid.

Registering for the One Time Password Service

• Applications are only accepted via Citibank Online.
• First, register the email address you will use to receive One Time Passwords.
  After you register with the service, an email confirming your registration will be sent to the email address you provided.
• In order to enable the One Time Password Service, a notice including your "Email Address for One Time Password" and "Reference Number" will be sent to you by post. After receiving the notice, please enable the One Time Password service following the procedures in the notice.
• Once you enter your Reference number on Citibank Online, another notice will be sent to your registered email address and a confirmation postcard will be sent to your street address.
• "Reference Number" will expire within 28 days from the time you have applied for the "One Time Password" service.

Changing Your OTP Email Address

You may change your email address on Citibank Online. You will need to enter a One Time Password in order to make changes.
After you make the changes, a notice indicating changes have been made will be sent to the new email address you've registered and to your registered street address.

Disabling the One Time Password Service

You may deactivate the service on Citibank Online.
If you wish to reactivate the service after having deactivated it, you will need to again register online and enter the Customer Code you receive via mail.

e-Form

• In order to use our e-Form service you must first register an email address for our Alert Service.
• This service is not available for corporate accounts.
• Any requests by e-Form can not be accepted for certain period of time after your address change request submission.
• Requests submitted after 15:00 Japan Standard Time (JST) on business days and/or holidays will be processed from the next business day.

1.Overseas Remittance Registration (Foreign Currency)

• This application is only for registering transfer information. Please use Citibank Online, our Internet banking, or call our Citiphone Center to make the fund transfer. To make any changes on your registration, it is necessary to cancel the original registration, and re-register with this application.
• To delete the registered transfer information, please go to the Payee Maintenance screen under Fund Transfer section of Citibank Online.
• It takes approximately one week for the registration process after the application is submitted. Please visit one of our branches if necessary.
• Registration may be denied in some cases; i.e. no correspondence, transfers for the purpose of opening accounts, and transfers to accounts under U.S. sanction.
• With overseas transfers, corresponding banks may deduct their charges, if any, from the amount being remitted.
• You can register up to 36 remittances in total, including domestic transfers.

2.Card / PIN / T-PIN Application and Change Request

• This e-Form is to request banking card reissue and PIN / T-PIN change. You cannot request the issue of new cards.

<Delivery of your card>

• In about 1 week after you request a card issue, your local post office will notify you of an arrival of "Restricted Delivery Mail (ID required/Customer only)". Please contact the post office to pick up your card, and for details regarding "Restricted Delivery Mail".

<Important notice about the reissue of a Magnetic Stripe card>

• Your name (in Roman alphabet) will be embossed on the front of your card based on the name that you have already registered with us.
• To reissue a damaged card, please cut the card in half by yourself. If the reason of reissue is Lost/Stolen/Other, the Personal Identification Number for the card will be changed. The notification of the new Personal Identification Number will be sent to your registered home address.
• If we are unable to debit your account for the replacement card fee, we will not be able to issue the card as requested.
• In case of switching to IC Banking Card, please pay the issuance fee from the account for which your IC Banking Card has been issued. If the withdrawal cannot be made due to insufficient balance in your account, you will not be able to use the IC Banking Card.

<Important notice about the issue of an IC card>

• The IC card can only be issued for a Yen Savings Account or Yen Savings e-Savings Account.
• When you change a magnetic stripe card to an IC card in cases other than loss or theft, the card PIN will not change.
• The withdrawal limits for your new IC Banking Card will be set to Default Amounts at the first time of issue. If you wish to change the limits, please apply separately to set your own limits.
• After applying to switch from a Magnetic Stripe card to an IC banking card, all your magnetic stripe only banking cards under the same name can be used until the last business day of the fourth month after applying for IC banking card (including the month of application). After this day old magnetic stripe cards will be automatically disabled.
• When you have your IC card re-issued, the information about the registered recipients of remittance and your biometric authentication data will not be copied to the new IC card. You will need to register the information again.

<Important notice about the reissue of a supplementary card>

• The Personal Identification Number for supplementary cards will be the same as that of the account holder.
• Supplementary cards are limited to two cards per account.

<Important notice about PIN/T-PIN Change>

• If you are making a change request of PIN/T-PIN online, your New PIN/T-PIN will be issued automatically and a PIN and/or T-PIN notice(s) will be sent to your registered address.

3.Limit Control Change

• The request could not be processed if your selected card type is different with the registered contents. Please raise the limit control change request after confirming your card type. If you would like to inquire your card type, please contact the nearest Branch or CitiPhone Banking. In Japan: 0120-110-330 (toll-free) Outside Japan: 81-45-330-2880 (toll charges apply)
• The maximum limit is up to 2,000,000 Yen for all of card types at Citibank Online. If you wish to set an amount more than 2,000,000 Yen for IC Banking Card (IC Chip Authentication and Biometric Authentication), please contact the nearest Branch or CitiPhone Banking. In Japan: 0120-110-330 (toll-free) Outside Japan: 81-45-330-2880 (toll charges apply)
• The amount you can actually withdraw/transfer using banking card may be less than Current Limit on Citibank Online according to different ATM model. If IC Banking Card (IC Chip/Biometric Authentication) is used in the ATM without IC chip and biometric authentication function, the maximum limit will apply the limit of Magnetic Stripe Authentication Card. If IC Banking Card (Biometric Authentication) is used in the ATM without biometric authentication function, the maximum limit will apply the limit of IC Chip Authentication Card.
• You can only request one limit change for the same account per business day if the request is submitted via Citibank Online.
• Limit Setup changes will be in effect 3 to 5 business days after your request is processed.
• Setup changes for corporate accounts can not be made at Citibank Online. please contact the nearest Branch or CitiPhone Banking. In Japan: 0120-110-330 (toll-free) Outside Japan: 81-45-330-2880 (toll charges apply)

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"Personal Profiling for Investment" questionnaire

In principle, you may complete the "Personal Profiling for Investment" questionnaire only once a day. However, when answering to the questionnaire via Citibank Online, you will have the opportunity to re-submit the answers if you have mis-inputted your answers. Please be aware that after you acquire a risk score via Citibank Online, you may not complete another profiling on Citibank Online for 30 days from day after submission of the profiling. You can also answer the questionnaire at a branch, by post or by phone.

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General Information/Miscellaneous

Notes Regarding Numeric Entries

Please do not use commas (every three digits from right to left).

Notes Regarding E-mail Address Entries

You may only use single-byte letters and numbers as below.

a to z, 0 to 9, the following symbols: . @ _ -

Email addresses provided for the OTP service must not contain the following:

Continuous dots "..." or a dot "." immediately before the @ mark.

Any of the following symbols: ! '' # $ % & ' ( ) * + , / : ; < = > ? [ \ ] ^ ` { | } ~

Deadlines for Transactions Processed on Business Day

If transactions are requested at Citibank Online after the times given below, or at any time during weekends or holidays, your transaction request will be processed the next business day.
Your actual account balance after transactions requested during non-business hours will not be posted to your “Account Balance” at ATM machines until the next business day.
ATM, J-Debit, CitiPhone Banking, and branch transactions will be posted to your account the next business day at Citibank Online.
If there are insufficient funds in your account the next business day, transactions requested at Citibank Online will not be executed.

Deadlines for transactions to be processed on the same business day.

*	JST stands for Japan Standard Time.
*	The hours given above are subject to change without notice.

Where to Call for Inquiries

For questions about how to use Citibank Online:

Citibank Online HelpDesk (24/7, 365 days/year)
In Japan: 0120-41-0956 (toll-free)
Outside Japan: 81-45-330-2888 (toll charges apply)

For questions concerning your accounts or transactions:

CitiPhone Banking (24/7, 365 days/year)
In Japan: 0120-110-330 (toll-free)
Outside Japan: 81-45-330-2880 (toll charges apply)

For questions concerning investment trust transactions:

CitiPhone Investment (24/7, 365 days/year)
In Japan: 0120-322-522 (toll-free)

Hours of Services

*	Transactions made at Citibank Online after 16:50 on business days or at any time during weekends or holidays will be reflected on the next business day.

Entering Japanese Characters/Supported Characters

Corporate Abbreviations

Branch Abbreviations

Business or Association Abbreviations

*	Below are example of using some of the abbreviations shown in the chart. Example 1: ○×株式会社　 ⇒　○×（カ Example 2: 株式会社○×　 ⇒　カ）○× Example 3: ○×株式会社△□　⇒　○×（カ）△□

Supported Letters and Characters

*	Please enter a space for the right corner bracket (「), left corner bracket (」), or the bullet (・).
*	Roman numerals are not recognized by our computer system.
*	If the Payee name contains non-supported characters, the Auto Beneficiary function will not work. The Payee name needs to be entered after the Auto Beneficiary Check function is suspended.

Bank Transaction Codes

ISO Currency Codes

Japanese Translations of Technical Words in English

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