TERMS AND CONDITIONS

Notice

Please read these Terms and Conditions carefully. By accessing the website www.citibank.com.vn, including any of the webpages located at the same domain name ("Website"), you agree to be bound by the Terms and Conditions below. If you do not agree to the Terms and Conditions below, it is suggested that you refrain from accessing the Website.

Ownership

This website is the property of Citibank Vietnam ("Citibank"), a member of the Citigroup global financial group headed by Citigroup Inc., incorporated in the United States.

Copyright © Citigroup 2009. All rights reserved

Unless otherwise indicated, Citibank owns all copyrighted material in this Website, in the screens displaying the webpages, and in the information and material within, as well as in their arrangement (collectively, "website material"). You may download and print a single copy of the website material, and where necessary for reference purposes, keep a temporary copy of the website material in your computer cache. Authorized use of the website material is expressly detailed on this website; unauthorized use of the website material is prohibited and may violate copyright laws.

Trademarks

CITI, the Arc Design, CITIBANK, CITIGOLD, and CITIGROUP are all trademarks and service marks of Citigroup, and are used and registered throughout the world. The Blue Wave design is trademark of Citigroup and is used throughout the world. Citibank, Citigroup, and their subsidiaries also claim rights in certain other trademarks and service marks contained on this website. Nothing displayed on the website should be interpreted as granting any rights to use or distribute any names, logos, trademarks, or service marks, without the express written agreement of Citigroup.

Use of the Website Material

The website material and the terms, conditions, and descriptions that appear on this Website, are subject to change. Unauthorized use of Citibank's websites and systems, including but not limited to unauthorized entry into Citibank's systems, misuse of passwords, or misuse of any information or material posted on a website is strictly prohibited. In the event of an unauthorized use of Citibank's websites or systems, Citibank may terminate this agreement and/or your access to the Website at any time without notice. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination by Citibank and/or its affiliates.

Links

This Website may contain links to websites controlled or offered by third parties (non-affiliates of Citibank). Citibank disclaims liability for any information, materials, products, or services posted or offered at any of the third party websites linked to this Website. By creating a link to a third party website, Citibank is not endorsing or recommending any products or services offered, or information or material contained within a third party website; nor is Citibank liable for any misrepresentations of products or services offered or advertised at those websites. Third party websites linked to Citibank's own website may have privacy policies different from those of Citibank. There are also risks that third party websites may have lower security standards and weaker security systems than this Website.

No Warranty

The website material, including text, graphics, links, and other items on this Website, is provided "as is" or "as available". Citibank does not warrant the accuracy, adequacy, or completeness of the website material, and to the extent permitted by law, expressly disclaims liability for errors or omissions in the website material. With the exception of warranties which cannot be excluded by law, no warranty of any kind, implied, express, or statutory, including but not limited to the warranties of non-infringement of third party rights, title and freedom from computer viruses, is given in conjunction with this Website and the website material.

Limitation of Liability

To the extent permitted by law, in no event will Citibank be liable for any loss or damages, including without limitation, direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this Website or any linked site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if Citibank, or its representatives, are advised of the possibility of such damages, losses, or expenses. To the extent permitted by law, liability under any condition or warranty which cannot be legally excluded is limited at Citibank's option to replace or resupply of goods or services or payment for the same.

Submissions

All information submitted to Citibank via this Website will be deemed and will remain the property of Citibank. Citibank will be free to use, for any purpose, any idea, concept, know-how, or techniques contained within any information, a visitor to this Website provides to Citibank through this Website. Citibank will not be subject to any confidentiality obligations regarding submitted information, except as agreed by the Citigroup entity having the direct customer relationship, or as otherwise specifically agreed or required by law. Nothing contained in these Terms and Conditions will be construed as limiting or reducing Citibank's responsibilities and obligations to customers in accordance with the Citi Privacy Statement or Citi Vietnam Privacy Statement.

Availability

This Website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local laws or regulations.

Additional Terms

Certain sections or pages on this Website may contain separate Terms and Conditions, which are in addition to these Terms and Conditions. In the event of a conflict, the additional Terms and Conditions will govern for the relevant sections or pages.

Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of Vietnam. By adhering to these Terms and Conditions, you irrevocably and unconditionally submit to the non-exclusive jurisdiction of the courts of Vietnam.