E-STATEMENT

Fees and rates can be revised at any time based on market conditions or at Citibank's discretion.

CITIBANK ONLINE STATEMENT USER AGREEMENT

I understand that the Citibank Online Statement Facility (the "E-Statement Facility") means Citibank's online viewing facility wherein Citibank will provide the viewing of my monthly (or such other period as determined by Citibank) statement of account(s) (the "Statement of Account") in an electronic form through the medium of my computer terminal which can be viewed online ("Electronic Statement") after any cycle cut-off date and to transmit certain instructions (as supported by Citibank) to the E-Statement Facility. The Electronic Statement shall only be available for viewing for a period of ninety (90) days (or for such period as decided by Citibank and notified to me) from the date of any respective and applicable Statement Date.

I agree that by using the E-Statement Facility, I accept and agree to be bound by the general terms and conditions governing the E-Statement Facility, including without limitation all the terms and conditions in this Agreement. I agree to be bound by any and all laws, rules, regulations and official issuances applicable to the E-Statement Facility, now existing or which may hereinafter be enacted, issued or enforced, as well as such other terms and conditions governing the use of other facilities, benefits or services that Citibank may from time to time make available to me in connection with the E-Statement Facility.

I agree that you have the absolute discretion to make E-Statement Facility available to me. Further you have the discretion from time to time and upon giving notice to me to modify, restrict, withdraw, cancel, suspend or discontinue the E-Statement Facility without giving any reason and I understand that by using the E-Statement Facility after any modification or change has been effected, I would have agreed to such modification or change.

I shall enroll in the E-Statement Facility and shall provide my e-mail address. Citibank acknowledges that any such e-mail address that I provide is proprietary in nature and belongs to me. You have the absolute discretion, without giving any reason or notice, to reject any request for my enrollment in the E-Statement Facility.

Upon my enrollment in the E-Statement Facility, the paper based Statement of Account will cease to be generated on the next Statement Date or sent to my last known or recorded mailing address. Instead, Citibank will generate on the relevant Statement Date(s) Electronic Statement and I agree to accept and view them in a timely manner. The availability of the Electronic Statement at Citibank's website located at www.citibank.com.vn ("Website") on the relevant Statement Date shall be deemed the date of delivery of the monthly Statement of Account(s) wherein the said Statement of Account will be deemed to have been sent to and received by me. However in some circumstances or upon the occurrence of certain events as determined by Citibank, Citibank may send to me the paper based Statement of Account to my last known or recorded mailing address.

You likewise reserve the right to impose a fee for the E-Statement Facility at your discretion at any time upon giving notice to me.

CANCELLATION. Cancellation of use of the E-Statement Facility may be effected by either party hereto. In some circumstances or upon the occurrence of certain events you reserve your right to cancel my enrollment in the E-Statement Facility. In instances where my enrollment with the E-Statement Facility is cancelled or terminated, I may apply to enroll for the E-Statement Facility in accordance with the terms and conditions herein and subject to the absolute discretion of Citibank to accept or reject my application. Upon cancellation, you shall on the next relevant Statement Date generate and send the paper based Statement of Account to my last known or recorded mailing address.

I agree that you shall not be liable if I am unable to gain access to the Website or Citibank system from time to time. I understand that while the E-Statement Facility is available beginning on a Statement Date 24-hours a day, some or all of the services thereon may not be available at certain times due to maintenance and/or computer, communication, electrical or network failure or any other causes beyond Citibank's control.

Although you shall use reasonable endeavour to ensure that the E-Statement Facility is secure and cannot be accessed by unauthorized third parties you do not warrant the security or confidentiality of any information transmitted through any applicable Internet service provider, information/communication network service provider, network system or such other equivalent system in any jurisdiction via the E-Statement Facility.

The E-Statement Facility uses proprietary software of Citibank, and its affiliates and/or other software suppliers. I agree that you have granted me a non-exclusive license limited to use of this software in connection with the E-Statement Facility which allows me to use such software only for its intended purpose. I agree that I shall not disassemble, decompile, copy, modify or reverse engineer any such software or allow anyone else to do so.

I agree to examine and view online the Electronic Statement in a timely and prompt manner. If there is delay or failure in the delivery of the Electronic Statement ("Non-receipt") or there is any error, irregularity, discrepancies, claims or unauthorised debits or items ("Error") appearing in the Electronic Statement, I shall notify Citibank immediately by sending to Citibank an e-mail via Citibank Online or calling CitiPhone at (84) 1900 1819(84) 1900 1819. If any Non-receipt or Error is not reported to Citibank within the number of days from the Statement Date as further described and set out in the Customer Notices portion of the Website for a particular Electronic Statement, I shall be deemed conclusively to have accepted all the matters contained in the Electronic Statement to be true, accurate and correct in all respects.

I agree that all my online or electronic communications including requests or reports on any Error in my Electronic Statement will be by way of sending an email via Citibank Online or calling CitiPhone at (84) 1900 1819(84) 1900 1819 and all such communications shall contain the following information: (a) name and account number; (b) details of the error; and (c) such other information as required by Citibank.

If there is any change to or irregularity in my mailing, email address or other particulars relevant to this Agreement, I have the responsibility to ensure that Citibank is immediately notified of such change or irregularity.Under no circumstances, including negligence, shall Citibank or anyone involved in creating, producing, delivering or managing my Statement of Account, be liable for any direct, indirect, incidental, special or consequential damages that may result from the use or inability to use the service.

Additional Terms and Conditions For Delivery Of Electronic Statement via E-mailPlease read the additional terms and conditions set out below if you have registered for the delivery of your Electronic Statement to your email address.

In requesting and registering for this service, I further agree unconditionally to be bound by the following terms and conditions (including all amendments, revisions and additions, which you may at your discretion effect from time to time upon giving notice to me) in addition to the Citibank Online Statement User Agreement.

I understand that Internet transmission lines are not encrypted and that e-mail is not a secure means of transmission. I acknowledge and accept that such unsecure transmission methods involve the risk of possible unauthorized alteration of data and/or unauthorized usage thereof for whatever purposes. I agree to absolve Citibank from any and all responsibility and liability arising from such misuse and further agree to hold Citibank free and harmless from all losses, costs, damages and expenses that may be suffered by me due to any errors, delays or problems in transmission or unauthorized or illegal interception, alteration, manipulation of electronic data or otherwise caused by using e-mail as a means of transmission.

I am aware of all security risks including the risk of the content of my Statement of Account becoming known to third parties. I agree that I shall not hold Citibank in any way responsible for the same and agree that the same shall not be considered as a breach by Citibank of banker-customer confidentiality.

The use and storage of any information including without limitation, the password, account information, account balances, transaction activity and any other information available on my personal computer is at my own risk and my sole responsibility and liability.

Citibank would be deemed to have delivered the Statement of Account to me when Citibank sends the Statement of Account to my email address on the relevant Statement Date. I agree that Citibank shall not be liable for any non-delivery, disruption or technical failure that prevents me from receiving and/or viewing my Statement of Account sent via e-mail. I understand that while I have opted to receive my statement via e-mail, Citibank has also made available my statement for online viewing through the Electronic Statement Facility via the Internet banking service. It is therefore my responsibility to ensure that I use the Electronic Statement Facility as an alternative means to view my statement. I agree that I shall notify Citibank immediately if there is any Non-receipt of, or Error in, my Statement of Account, in the manner and as provided in the terms and conditions of the Citibank Online Statement User Agreement above.