Notification of Partial Revision of Customer Agreements

December 2009
Retail Banking Division
Citibank Japan Ltd.

Dear Customers,

We would like to notify you of changes we have made to our account policies. These changes have been made as part of our cooperative effort to contribute to the Japanese government's policy that aims to eliminate racketeering in Japan.
In June 2007, the Japanese government implemented, "Basic Principles to Prevent Damages from Antisocial Forces." All members of the Japan Bankers Association agreed on the "JBA Agreement for Strengthening Efforts to Eliminate Racketeering" in July of the same year. In September 2009, the association announced detailed new policies to reinforce its efforts based on the previous agreement. Under the newly implemented policies, we at Citibank Japan have decided to do our part by strengthening our account regulations. We hereby inform you that these account policy changes will come into effect in February 2010.
Please see the reverse for our new account policies.

Outline of our new account etc. policies

Refusal of dealings with criminal elements

We at Citibank hereby state that we may restrict or terminate our relations and/or service provisions to a customer if the customer falls under the category of antisocial forces or is a member of such organizations.

Definition of persons or organizations that fall under the category of criminal elements

1.
When it has become clear that the customer falls into any of the items below (including the cases where he/she was in the past):
- a.
  Boryokudan (organized crime): Organizations that encourage its members to engage collectively or habitually in violent, unlawful, etc., acts.
- b.
  Boryokudan-in (members of organized crime): Members of Boryokudan.
- c.
  Boryokudan jun koseiin (quasi-members of Boryokudan): Parties who maintain relationships with, cooperate with, or engage in the maintenance or operation of Boryokudan by providing funds, weapons, etc., to Boryokudan or members of Boryokudan, but who are not themselves members.
- d.
  Boryokudan kankei kigyou (organized crime-related companies): Companies run by members of Boryokudan, quasi-members, or former members of Boryokudan, that maintain relationship with, cooperate with, or engage in the maintenance or operation of Boryokudan by providing funds to Boryokudan or by other means, or those companies that actively use Boryokudan in doing business, etc., and cooperate in the maintenance or operation of Boryokudan.
- e.
  Sokaiya (corporate racketeers): Sokaiya, Kaisha goro (corporate racketeers) and others who may potentially engage in violent, unlawful, etc., acts in an effort to seek illicit benefits from civil society and may threaten the safety of civil life. Shakai undo etc. hyobo goro (those forces claiming to be social movements): Groups or individuals who disguise themselves as/claim to be social movements or political activities and may potentially engage in violent, unlawful, etc., acts to seek illicit benefits from civil society and may threaten the safety of civil life. Tokushu chino boryoku shudan etc. (special intellectual violent organizations): Groups or individuals, except those listed in A to D above, who use Boryokudan or their relationships with Boryokudan to engage in violent, unlawful, etc., acts in an effort to seek illicit benefits from civil society and may threaten the safety of civil life.
- f.
  Any other person relative to these or equivalent to any of the previous items.
2.
When the customer committed any act that falls into any of the items below by him/herself or by using a third party.
- a.
  Violent demand
- b.
  Undue demand beyond legal responsibilities
- c.
  Threatening behavior or using violent force regarding transactions
- d.
  Damaging Citibank's credit or obstructing Citibank's business by spreading false rumors or by the use of fraudulent means or force
- e.
  Any other act equivalent to any of the previous items.

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