Explanation of Citibank's Online Data Usage

This explains our usage of cookie and online data gathering information practices when you visit Citibank Website. A list of the URLs covered by this explanation is included in the footnote 1 below. This explanation may be modified in our sole discretion at any time by changing the notice you see here. This Online Data Policy is consistent with and remains subject to Our Promise to Customers, which can be viewed by clicking here.

Unless otherwise specified, the following terms do not apply to the web site of any other Citigroup company or any other web site, even if such web site(s) are accessible through Citibank web site.

Cookies

A cookie is a piece of information which a web server may place on your computer when you visit a web site. Cookies are commonly used by web sites to improve the user experience and have not been known to transmit computer viruses or otherwise harm your computer. Many cookies last only through a single session, or visit. Others may have an expiration date, or may remain on your computer until you delete them.

How We Use Cookies

We use cookies for a number of purposes - for example, to maintain continuity during a user session, to gather data about the usage of our web site for research and other purposes, to store your preferences for certain kinds of information and marketing offers, or to store a username or encrypted customer identification number so that you do not have to provide this information every time you return to our site.

Our cookies will track only your activity relating to our online promotions, which may be located at our web site or the web sites of others, and your online activity on our web site. They will not track your other internet activity. Cookies set by us cannot be read by and are not shared with any non-Citigroup web site, although we may share some of the cookie information we gather with other Citigroup companies. Our cookies do not gather personally identifiable information.

Cookie Filters

You can decide if and how your computer will accept a cookie by configuring your preferences or options in your browser. However, if you choose to reject cookies, you may not be able to use certain of our online banking services (Citibank Online) or web site features.

Cookies of Other Companies

We occasionally use business contractors to set cookies on our web sites and gather cookie information for us. In some cases we will also use another business contractor to operate web servers for our sites. We use the cookie information gathered by these business contractors in the same manner as stated in the previous section. The business contractors we use may not use these cookies for their own internal purposes or share the information gathered with anyone other than Citibank, in accordance with the terms of the contracts they have signed with us.

General Website Practices

In addition to the information we collect from cookies, we also obtain information which you provide to us online - for example, when you are doing your online banking with us, when you use our tools and calculators or when you submit an application. In some cases, we retain both the cookie information and/or the information you provide to us online - for example, to complete a transaction you requested or to keep historical records of your past transactions. In other cases - for example, when you use our simulation tools - we only retain the cookie and/or online information you give us if you request or permit us to do so for your use in subsequent sessions.

1.: Citibank web site is managed by Citibank Japan Ltd. The web site accepts applications and enables online access to account information and transaction services for clients of Citibank Japan Ltd. The universal resource locators (URLs) that are included in the Citibank web site and are addressed in this disclosure are www.citibank.co.jp, tx1.home.citibank.co.jp, www##.citidirect.citibank.co.jp ("##" is one or two digits number.) This disclosure does not apply to the web site of any other Citigroup company such as www.citibank.co.jp/card/ and www.diners.co.jp or third party web site that may be linked to from Citibank web site.

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