Citibank Singapore Ltd

Robinson Road P.O. Box 355 S(900705)

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462094 0000339361830914014
Statement Date October 19, 2018
(4620946) 018161J/AA
Credit Limit $5,000.00
Current Balance $114.79
STACIA LIM MING CHOO Total Minimum Payment $50.00
94C BEDOK NORTH AVE 4 Payment Due Date November 13, 2018
#13-1389 GST Registration No. MR85002419
SINGAPORE 462094

This Statement serves as a Tax Invoice if GST is charged.

CITI REWARDS VISA SIGNATURE 114.79 0.00 50.00 POINTS 3,974

Detailed Transactions can be found on the following pages.

If you have more than one Citibank credit card and receive separate statements of account for these cards (i) you will need to aggregate the Current Balance and Total Minimum Payment
amounts in these statements to determine your Current Balance and Total Minimum Payment amounts across all your Credit Card accounts and (ii) your Overlimit Amount across all your Credit
Card accounts will only be reflected in one of these statements. Accordingly, you should read these statements together.

Please settle this statement promptly (the minimum payment required is stated in the table above). If the Minimum Payment Amount is not received by Payment Due Date, a late charge will be
levied (please see last page for charges). If the payment of the Current Balance (including any billed instalments) is not made in full, daily interest will be assessed at an effective interest rate
from each transaction date on all charges in this statement and all charges posted after this statement date.

Please examine this statement immediately. If no discrepancy is reported within 10 days from the date of this statement, the account will be considered as correct.

Note: The Current Balance indicated on the payment stub is computed on the sum of Debit Balances only. All Credit Balances are excluded from this calculation.

STACIA LIM MING CHOO Statement Date: October 19, 2018

Payment Due Date: November 13, 2018
CREDIT CARD TYPE ACCOUNT NUMBER CURRENT BALANCE $ MINIMUM PAYMENT $ PAYMENT AMOUNT $
1110

7 CITI REWARDS VISA

SIGNATURE
4147465002040807 114.79 50.00
EPSTCSX / 018161-1OF6 / 127043

TOTAL FOR THE CARD(S) ABOVE 114.79 50.00

Please detach and send this payment slip together with your check before the payment due date, using the Business Reply Envelope (BRE) which can be downloaded at
www.citibank.com.sg/bre. Do not staple or tape the check to the payment slip. The check should be payable to "Citibank Singapore Ltd". and please do remember to
write your Card Account Numbers on the back of the check. Please note minimum payment amount does not include any overlimit amount. Please arrange to pay the
overlimit amount in addition to the total minimum payment amount.
Bank: _____________________________________________ Check No.: ______________________________________________
Please clearly indicate your payment amount for each account above. If left unspecified, we will apply our discretion to appropriate all payments received by us in such
manner and order of priority as we may deem fit.
 Page 2 of 6

CITI REWARDS VISA SIGNATURE 4147 4650 0204 0807 Payment Due Date: November 13, 2018

KINDLY ENSURE THAT YOUR CONTACT DETAILS ARE ACCURATE AND UPDATED.TO CHANGE YOUR CONTACT INFORMATION,
KINDLY CALL OUR 24-HOUR CITIPHONE BANKING AT 6225 5225.

337.94 337.94 114.78 0.00 0.01 114.79

Retail Interest Rate : 26.90% p.a. Cash Interest Rate : 26.90% p.a.
(If the monthly interest charges are not repaid in full, it will be subject to compounding at the prevailing interest rate.)

TRANSACTIONS FOR CITI REWARDS VISA SIGNATURE CARD

ALL TRANSACTIONS BILLED IN SINGAPORE DOLLARS

BALANCE PREVIOUS STATEMENT 337.94

02 OCT PAYMENT - THANK YOU SG 888 (337.94)

SUB-TOTAL: 0.00

CITI REWARDS VISA SIGNATURE 4147 4650 0204 0807 - STACIA LIM MING CHOO
21 SEP MELALEUCA - JURONG GAT SINGAPORE SG 000 94.30
22 SEP ITUNES.COM/BILL 8001861087 IE 000 1.28
24 SEP CCY CONVERSION FEE SGD 1.28 000 0.01
01 OCT ISETAN (SUPERMARKET) SINGAPORE SG 000 19.20

SUB-TOTAL: 114.79

114.79

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EPSTCSX / 018161-2OF6 / 127044
 Citibank Singapore Ltd
Robinson Road P.O. Box 355 S(900705)

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CITI REWARDS VISA SIGNATURE 4147 4650 0204 0807 Payment Due Date: November 13, 2018

YOUR CITI THANKYOU POINTS BALANCE SUMMARY: (S$1.00 SPENDING = 1 POINT)

POINTS POINTS Bonus POINTS POINTS POINTS

carried forward earned this month POINTS adjusted this redeemed this expired this
earned this month month month month
3,689 114 171 0 0 0 3,974

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EPSTCSX / 018161-3OF6 / 127045
 Page 4 of 6

Your faster route to card activation

Activate your new/replacement/renewal credit cards with the Citi Mobile App. Download the Citibank SG app for your credit card activation and you
can easily access benefits like real-time rewards balance and latest offers. Effective immediately, activation of Citi Credit Cards via CitiPhone Banking
will cease.

Your faster route to transfers and payments

It is now more convenient to make Funds Transfer and Credit Card/Bill Payments with the Citi Mobile App or via Citibank Online. Effective immediately,
Funds Transfer and Credit Card/Bill Payments via CitiPhone Banking will cease.

Outsourcing Notification
At Citibank, delivering a remarkable banking experience to our customers is a commitment. To deliver on our commitment, Citibank Singapore Limited
("Citibank") may, from time to time, utilise the services of various partner organisations (both Citi affiliated companies and external organisations, the
"Service Provider Partners") for data processing, operational activities and technology infrastructure support services such as application/document
processing, middle and back office operations, business continuity and disaster recovery functions and activities, information systems hosting,
management and maintenance. Such Service Provider Partners may be based in Singapore or outside of Singapore.

Keeping your information secure and safe is our priority. We would like to assure you that all our Service Provider Partners are selected using a
rigorous evaluation process, to ensure they deliver the highest possible standards of service, reliability and integrity. Our Service Provider Partners are
bound by contracts to keep customer information confidential and to use such information strictly for contracted purposes and Citibank is both
committed to and responsible for ensuring that our Service Provider Partners adhere to these obligations.

Applicable laws both in Singapore and other countries may require Citibank and our Service Provider Partners to disclose information relating to
Citibank's customers to relevant authorities. The circumstances under which our Service Provider Partners may be required to do so are limited and
include compulsion under a court order, police investigations or criminal prosecutions.

Should you have any queries, please contact our 24-Hour CitiPhone Banking at +65 6225 5225.

1110
EPSTCSX / 018161-4OF6 / 127046
 Citibank Singapore Ltd
Robinson Road P.O. Box 355 S(900705)

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MOVING? CHANGING TELEPHONE NUMBERS? SIMPLY LOG ON TO CITIBANK.COM.SG WITH

YOUR 16-DIGIT CARD NUMBER AND PIN TO UPDATE YOUR PROFILE ONLINE. OR CALL OUR 24-
HOUR CITIBANK BANKING ON 6225-5225 FOR ENQUIRIES.

Citibank VISA and MasterCard Information Sheet

This information is intended as a quick consumer guide only. For full details, please GIRO/Direct Debit Authorisation
read the respective Citibank VISA/MasterCard Cardmember's Agreement, which Where you have given us a GIRO/Direct Debit Authorisation instruction to debit
prevails at all times. your nominated account(s) with a bank/finance company to pay the Total Minimum
Payment in respect of your Citibank Credit Card account(s), the Overlimit Amount
is not included in such instruction and so you should arrange to pay the Overlimit
Credit Limit Amount which is in addition to the Total Minimum Payment.
The credit limit shown is your combined credit limit effective across all the personal
basic and supplementary cards held by you including your personal business card
if any. Late Payment Charge
If the Minimum Payment Due is not received on or before the Payment Due Date, a
Late Payment Charge of S$100 will be levied.
Repayment Grace Period
25 days from the date of the statement of account
Minimum Payment Amount
The minimum payment amount is specified in your statement of account and is
Cash Advance Charges computed by taking 1% of the current balance plus 1% of any outstanding unbilled
Cash advance fee per transaction is charged as follows: instalment amounts plus interest charges (including interest/ service charges for
VISA/MasterCard S$15.00 or 6% of amount withdrawn, any recurring/instalment payments) plus late payment charge or S$50 whichever is
whichever is higher greater, plus any overdue amounts. If the current balance is less than S$50, the
minimum payment amount shall be equivalent to the current balance.

PLUS
Interest charges will be calculated on a daily basis on the amount withdrawn from Overlimit Amount
the date of the cash advance until the date payment is made in full. The overlimit amount is specified in your statement of account and refers to the
balance (including any unbilled balances) in excess of your combined credit limit
and must be paid immediately. The overlimit amount is in addition to the minimum
Interest Charges for Card Transactions (including Cash Advance) - except payment amount.
for Citi Clear Card
The effective interest rate applicable on your account will be:
a. The prevailing retail interest rate of 26.9% per annum and cash interest rate** Overlimit Fee
of 26.9% per annum; or S$40 will be charged on the card with highest balance on the statement billing date,
b. A promotional retail interest rate of 20.9% per annum and cash interest rate** of if the total outstanding balance (including unbilled balance) of all credit card(s)
20.9% per annum which may be extended based on the good conduct of your exceeds customer's combined credit limit on any day within the statement period.
account. Notwithstanding the above, Citibank reserves the right to cancel/vary
this promotional rate at any time (including if your account becomes
delinquent); or Liability for Unauthorized Transactions
c. A retail interest rate of 29.9% per annum and cash interest rate** of 29.9% per You are reminded to keep your Citibank credit card in a safe and secure place and
annum in the event your account is past due* in the current month. Citibank not to disclose your PIN to any third party. If your credit card is lost, stolen or used
reserves the right to apply this interest rate. Your interest rate will revert to the by any third party or your PIN is disclosed to any third party, you should
prevailing product interest rate, as soon as your account is no longer past due immediately notify Citibank. Your liability for unauthorized transactions on each
in the current month and no longer twice or more past due within the last six credit card account is capped at S$100 provided that Citibank is satisfied that you
months. have (i) not been negligent, (ii) not acted fraudulently and (iii) immediately notified
If the interest accrued on the outstanding balance is less than S$3, a minimum of Citibank about the loss/theft/disclosure.
S$3 will be charged.
* An account is considered past due if the minimum payment due is not received
in full before the payment due date. Service Charge for Insufficient Funds (Inclusive of GST)
** Cash Interest Rate refers to the interest rate applied on outstanding debit Returned Check S$25.00
balances from Cash advance, Cash advance fee, Quasi-cash transactions, Rejected Direct Debit Authorisation S$25.00
Outstanding Balances pursuant to the Balance Transfer Program after the
expiry of the promotional Tenure, and interest charges resulting from such
transactions. The retail interest rate refers to the interest rate applied on all Retrieval Fee (Inclusive of GST)
other outstanding balances. Requests for copies of sales drafts and statements are subject to the following
If payment is not made in full by the payment due date, interest charges will be charges: Charge per copy
calculated on a daily basis on all transactions in both the current statement as well Sales Draft:-
as next month's statement from the transaction date until the date full payment is - current to 2 months S$5.00
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received. - more than 2 months to 1 year S$15.00

Statement of Account:-
- current to 2 months Free
Right of Appropriation - more than 2 months to 1 year S$15.00
If you make payment to us without specifying which Citibank account(s) your - more than 1 year to 5 years S$30.00
payment is intended for, Citibank will at its discretion allocate such payment to any - more than 5 years S$100.00
of your Citibank account(s) with outstanding balances. We shall be entitled in our
reasonable discretion to apply and appropriate all payments received by us in such
a manner or order of priority as we may deem fit, notwithstanding any specific Card Replacement Fee
EPSTCSX / 018161-5OF6 / 127047

appropriation of such sums by you or any person making such payment. A card replacement fee of S$10 shall be charged to your account for each
replacement of your SMRT Platinum Visa.
 Page 6 of 6

Citibank VISA and MasterCard Information Sheet

Transactions in Foreign Currencies and Transactions Processed Outside Annual Membership Fees (Inclusive of GST)
Singapore Basic card Each supplementary card
a. Foreign currency transactions Citi Prestige Card S$535.00 Free
(i) Card transactions (including online and overseas transactions) effected in Citi Rewards VISA Signature/
US dollars will be converted into Singapore dollars. Card transactions WORLD MasterCard S$192.60 S$96.30
effected in foreign currencies other than US dollars will be converted to US Platinum VISA/MasterCard S$160.50 S$85.60
dollars before being converted into Singapore dollars, except for Australian Gold VISA/MasterCard S$160.50 S$85.60
dollars on Visa cards which will be converted into Singapore dollars directly. Silver VISA/MasterCard S$64.20 S$32.10
The conversion will take place on the date on which the transaction is Cash Back VISA Signature Card S$192.60 S$96.30
received and recorded by us ("posting date"). The currency conversion will Cash Back Platinum MasterCard S$160.50 S$80.25
be based on our prevailing foreign exchange rate or an exchange rate Cash Back World MasterCard S$192.60 S$96.30
determined by VISA, MasterCard International, or American Express Clear Platinum VISA S$160.50 S$85.60
depending on whether the conversion is done by us, VISA, MasterCard Clear Classic VISA S$64.20 Not Applicable
International, or American Express. Citi Clear Card S$29.96 Not Applicable
(ii) In addition, the card transaction will be subject to the following administrative Citi PremierMiles Card S$192.60 Free
fees on the converted Singapore dollar amount: M1 Blue VISA S$64.20 S$32.10
(A) an administrative fee of up to 3.0% if processed by VISA or MasterCard M1 Gold VISA S$160.50 S$85.60
International; and M1 Platinum VISA S$192.60 S$96.30
(B) an administrative fee of up to 3.3% on the converted Singapore dollar SMRT Platinum VISA S$192.60 S$96.30
amount, of which 1.5% will be retained by American Express,
or such other rate(s) as determined by us and notified to you.
b. Dynamic Currency Conversion
(i) If your card transaction (including online and overseas transactions) is
converted into Singapore dollars via dynamic currency conversion (a
service offered at certain ATMs and merchants which allows a cardmember
to convert a transaction denominated in a foreign currency to Singapore
Dollars at the point of withdrawal/sale), you acknowledge that the process of
conversion and the exchange rates applied will be determined by the
relevant ATM operator, merchant or dynamic currency conversion service
provider, as the case may be. You acknowledge that we do not determine
whether a card transaction will be converted into Singapore dollars via
dynamic currency conversion and, where your card transaction is for a retail
purchase, you may have to check with the relevant merchant whether such
conversion was done.
(ii) In addition, the card transaction will be subject to an administrative fee of
1% levied by VISA/MasterCard International on the converted Singapore
dollar amount if it is a VISA/MasterCard International transaction.
c. Singapore Dollars transactions processed outside Singapore
If the Singapore Dollars card transaction (including online transactions) is
effected:
(i) with a local merchant whose payments are processed through an overseas
intermediary; or
(ii) with a merchant who is registered as an overseas merchant regardless of
its actual location,
such card transaction will be subject to an administrative fee of 1% on the
transaction amount if the card transaction is processed by VISA/MasterCard
International.
This charge will be charged on card transactions including but not limited to any
VISA or Mastercard retail card transaction presented in foreign currency that you
choose to pay in Singapore Dollars at point-of-sale via dynamic currency
conversion or any online VISA or Mastercard retail card transaction in Singapore
Dollars which was processed outside Singapore. You may have to check with the
relevant merchant whether such transaction was processed outside Singapore. 1110
EPSTCSX / 018161-6OF6 / 127048

In the event of any inconsistency between any of the printed information in this statement of account and the Citibank VISA/MasterCard Terms and Conditions, the latter
will prevail.
Version October 2018