MultiMoney Credit (Overdraft secured by deposit)

• MultiMoney Credit is not available to Corporate Customers, Non Residents of Japan and customers under the age of 20 years.
• The customer who opens the Citibank account on or after April 1st 2005 is requested to consent to Citibank "Purpose of Use of Customer Information" at branches or Citiphone Banking.
• An information memorandum on this product is available at branches, or via CitiPhone Banking.

Important information regarding MultiMoney Credit (Overdraft secured by deposit)

• In the event the collateral MultiMoney deposit includes foreign currency, the maximum Overdraft limit of MultiMoney Credit changes according to foreign exchange rate fluctuation. Therefore, if you borrow very close to the maximum Overdraft limit, the Overdraft balance may exceed the 80% limit at the time of volatile FX market, and you may be asked to repay or deposit additional funds. Also, in the event the Overdraft credit interest rate is higher than the interest rate of collateral deposits, the Overdraft balance may exceed the maximum Overdraft limit. In order to avoid such risk, it is suggested to use MultiMoney Credit within 60% of deposit balance even though the maximum Overdraft limit may be 80%.
• Once the Overdraft balance exceeds 90% of the total value of your collateral MultiMoney deposit, we will automatically off-set your MultiMoney Credit Overdraft balance against your MultiMoney deposit according to the MultiMoney Account Customer Agreement, without any prior notice. If such event occurs, the entire amount of the MultiMoney deposit may be applied to off-set due to FX market. If the currency of the MultiMoney deposit account and MultiMoney Credit Overdraft do not match, the currency of the off-set funds must be switched to the Overdraft currency if necessary. Upon such off-set, you may be required to pay the costs or fees to terminate and/or liquidate the deposits. We will require you to pay those costs or fees which we will calculate for each case in consideration of our funding costs, liquidation cost of options and a possible yield obtainable after the termination.
• Applicable interest rates fluctuate in accordance with market conditions.
• For repayment of MultiMoney Credit, you need to request to customer service since repayment is not done automatically from a deposit account like Yen Savings Account.
• In the event that the currency borrowed is not Japanese Yen, balance of Overdraft in Yen equivalent will increase if the exchange rate fluctuates. When you use MultiMoney Credit, please be aware of foreign exchange commission and exchange rate fluctuation.
• The following funds cannot be used as MultiMoney Credit collateral

• -Time Deposits that are subject to forward contracts of foreign exchange transactions.
• -Time Deposits pledged for other credit products.
• -Certain prescribed Structure Deposits.
• -Yen funds in savings account that can be accessed by Citibank Banking Card.
• -US dollar funds in savings account that can be accessed by Citibank Gaika Cash Card.

• MultiMoney Credit transaction is limited only for the purpose of temporary needs for funds.

• *You may not use MultiMoney Credit transaction to purchase investment products* at Citibank.
• *Investment products include Foreign Currency Deposits, Structured Deposits, Mutual Funds, Financial Products Intermediary Business and Insurance Products.

Applying for MultiMoney Credit

Citibank Online

1. [1]Access Citibank homepage and click "MultiMoney Credit" and select "MultiMoney Credit Borrowing".
2. [2]Select the "Current to borrow"

1. [3]Then enter the"Amount to borrow."

Citiphone Banking

Please consult with Customer Service Representative.

Branch

Please visit consultation desk of Citibank Branches.

• *Advanced registration of account is required if you choose to transfer to other bank account.
  Moreover, wire transfer commission will deducted from Customres's account.

Repayment for MultiMoney Credit

For repayment of MultiMoney Credit, you need to request to customer service since repayment is not done automatically from a deposit account like Yen Savings Account.

Once the Overdraft balance exceeds 90% of the total value of the collateral deposit, we will automatically off-set the Overdraft balance against the deposits, without any prior notice.