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CITIBANK CLEAR CARD OFFER TERMS AND CONDITIONS THE COFFEE BEAN & TEA LEAF

1.Subject to these Terms and Conditions, with effect from

October 2010 and until further notice, each principal or supplementary holder of the Citibank Clear credit

issued in Malaysia (Citibank Clear Card) (Citibank cardmember) who purchases a CBTL Drink (defined to mean a Coffee Bean & Tea Leaf drink served in a cup, glass or bottle with a Coffee Bean & Tea Leaf logo) at any of the following participating The Coffee Bean & Tea Leaf stores in Malaysia using a Citibank Clear Card will receive one free CBTL Drink of the Citibank cardmembers choice which is of an equal or less value.

The free CBTL Drink is not exchangeable for cash, credit or kind whether in part or in full.The

benefit described above is hereinafter referred to as Privileges.

Participating The Coffee Bean & Tea Leaf stores : All The Coffee Bean & Tea Leaf stores in Peninsular Malaysia, except for the stores at the Penang International Airport and at the Low Cost Carrier Terminal, 2.

The Privileges do not apply in conjunction with any other promotion(s) relating to the Citibank Clear Card.

3.Citibank shall not be liable for any default or for any loss, damages, costs or expenses suffered or sustained by any Citibank cardmember due to any act of God, war, riot, strike, lockout, industrial action, fire, flood, drought, storm, technical or system failure or any event beyond the reasonable control of Citibank.

4.

Citibank shall not be liable for any loss, damages, costs or expenses suffered or sustained by any Citibank cardmember howsoever arising from or in connection with the purchase of CBTL Drinks at any The Coffee Bean & Tea Leaf store.All refunds, if any is sought for whatever reason, must be sought from The Coffee Bean & Tea Leaf (M) Sdn Bhd or in accordance with the terms and conditions levied by The Coffee Bean & Tea Leaf (M) Sdn Bhd.Citibank shall not be responsible to assist any Citibank cardmember if any claim for anything whatsoever is made by any Citibank cardmember in this connection.Citibank will bear no responsibility for resolving any dispute and Citibank cardmembers are not to liaise with Citibank in regard to all such 5.Citibank reserves the right at its absolute discretion to vary, delete or add to any of these Terms and Conditions from time to time with notice.These Terms and Conditions may be modified, added, deleted or varied by Citibank by way of posting he Website), or in any other manner deemed suitable by Citibank.

The Citibank cardmembers are deemed to have accessed the Website and to have knowledge of and to have agreed to any changes or variations to these Terms and Conditions.

6.These Terms and Conditions (as amended from time to time pursuant to Clause 5) shall prevail over any provisions or representations contained in any other promotional materials advertising the Privileges.

7.Citibank reserves the right to cancel, terminate or suspend the Privileges with notice.

For the avoidance of doubt, cancellation, termination or suspension by Citibank of the Privileges shall not entitle the Citibank cardmembers to any compensation whatsoever against Citibank for any and all loss or damage that may be suffered or incurred by the Citibank cardmembers as a direct or indirect result of the act of cancellation, termination or suspension.

8.To the fullest extent permitted by law, Citibank cardmembers are deemed to have waived any right they may have against Citibank and its officers, servants, employees, representatives and/or agents (including without limitation, any third party service providers that Citibank may engage for the purposes of the Privileges), in respect of any loss or damages (including without limitation, loss of income, profits or goodwill, indirect, incidental, consequential, exemplary, punitive or special damages of any party including third parties) howsoever arising whether in contract, tort, negligence or otherwise, in connection with the Privileges, even if Citibank has been advised of the possibility of such damages in advance, and all such damages 9.Citibank's decision on all matters relating to the Privileges will be final and binding on all Citibank cardmembers.10.

All transactions as recorded by Citibank shall be final and conclusive.11.The Privileges are subject to these Terms and Conditions and the terms and conditions in the Citibank Card Agreement governing the Citibank Clear Card.In the event of any conflict or inconsistency between these Terms and Conditions and the terms and conditions of the Citibank Card Agreement, these Terms and Conditions shall prevail.

PRIVILEGES AT ZOUK CLUB KL

1.

Subject to these Terms and Conditions, with effect from October 2010 and until further notice, a principal or a supplementary holder of a Citibank Clear credit card(Citibank Cardmember) will be eligible to receive the benefits set out below.

2.In these Terms and Conditions:

2.1 Entry shall mean the right to an individual to enter all the 6 rooms at the Zouk Club, namely, Zouk, Velvet Sonic and Terrace Bar ; 2.2 Zouk Club shall mean the club presently operated through the premises located at No.113 Jalan Ampang, Kuala Lumpur or any other location Zouk Club (KL) Sdn Bhd (Co.

No.598378-M); 2.3

Privileges shall mean the benefits jointly offered by Citibank and the Zouk Club on the terms set out herein.

3.Subject to these Terms and Conditions, Citibank Cardmembers will receive the following Privileges at the Zouk Club.

3.1 Free Entry for the first 300 people, comprising Citibank Cardmembers

and a maximum of one guest of each Citibank Cardmember, who enter the Zouk Club on any day from Tuesday to Saturday from 9pm to midnight, except on the eve of a public holiday or on a day when there is a Special Event (defined as Zouks anniversaries/ Grade A or B international DJ nights/ sponsored nights/ clients private events and other events which are announced as Special Events on promotional materials issued by Zouk 3.2 The abovesaid first 300 people shall be entitled exclusively to queue to enter the Zouk Club through the Citibank VIP Lane; 3.3 Any Citibank Cardmember who buys a drink at the Terrace Bar using a Citibank Clear credit card shall receive one free drink of his choice which is of less or equal value.

The free drink is not exchangeable for cash, credit or kind whether in part or in full; and 3.4 A Citibank Cardmember will enjoy a 10% discount off the price of any bottle of hard liquor, paid with a Citibank Clear credit card, except items on promotion as announced by the Zouk Club, in all the abovementioned 6 rooms at the Zouk Club, except on the eve of a public holiday or on a day when there is a Special Event.4.The Citibank Cardmembers must abide by the house rules and regulations of the Zouk Club which are applicable to all individuals entering the Zouk Club in relation to age limit, dress code, behaviour and conduct, which house rules and regulations are

displayed at the Zouk Club and also available on its website.Zouk Club shall be entitled to refuse entry, or to remove from the Zouk Club, any Citibank Cardmember if he/she violates such house rules and regulations.For the avoidance of doubt, Citibank shall not in any event be responsible or be held liable for any misconduct or misbehaviour of any Citibank Cardmember.5.Citibank shall not be liable for any default or for any loss, damages, costs or expenses suffered or sustained by any Citibank Cardmember due to any act of God, war, riot, strike, lockout, industrial action, epidemic, pandemic, fire, flood, drought, storm, technical or systems failure or any event beyond the reasonable control of Citibank.6.Citibank shall not be liable for any loss, damages, costs or expenses suffered or sustained by any Citibank Cardmember howsoever: 6.1 at the Zouk Club; or

6.2 directly or indirectly arising from or due to or in respect of any incident at the Zouk Club; or

6.3 directly or indirectly arising from or in respect of the Privileges or in connection with the Privileges.

7.

Citibank shall not be responsible to assist any Citibank Cardmember if any claim for anything whatsoever is made by any Citibank Cardmember against Zouk Club (KL) Sdn Bhd or any other person in connection with the Privileges or any other incident or matter at the Zouk Club.

Citibank will bear no responsibility for resolving any dispute and Citibank Cardmembers are not to liaise with Citibank in regard to all 8.The Citibank Cardmembers agree that notwithstanding the Privileges, Citibank is not a partner or agent of Zouk Club (Kuala Lumpur) Sdn Bhd and is not responsible or liable for any default, act omission of Zouk Club (Kuala Lumpur) Sdn Bhd.

9.Citibank reserves the right at its absolute discretion to vary, delete or add to any of these Terms and Conditions from time to time with notice.These Terms and Conditions may be modified, added, deleted or varied by Citibank by way of posting he Website), or in any other manner deemed suitable by Citibank.The Citibank Cardmembers are deemed to have accessed the Website and to have knowledge of and to have agreed to any changes or variations to these Terms and Conditions.

10.

These Terms and Conditions (as amended from time to time pursuant to Clause 9) shall prevail over any provisions or representations contained in any other promotional materials advertising the Privileges.11.Citibank reserves the right to cancel, terminate or suspend the Privileges with notice
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.For the avoidance of doubt, cancellation, termination or suspension by Citibank of the Privileges shall not entitle the Citibank Cardmembers to any compensation whatsoever against Citibank for any and all loss or damage that may be suffered or

incurred by the Citibank Cardmembers as a direct or indirect result of the act of cancellation, termination or suspension.12.To the fullest extent permitted by law, Citibank Cardmembers are deemed to have waived any right they may have against Citibank and its officers, servants, employees, representatives and/or agents (including without limitation, any third party service providers that Citibank may engage for the purposes of the Privileges), in respect of any loss or damages (including without limitation, loss of income, profits or goodwill, indirect, incidental, consequential, exemplary, punitive or special damages of any party including third parties) howsoever arising whether in contract, tort, negligence or otherwise, in connection with the Privileges and/or Zouk Club (KL) Sdn Bhd, even if Citibank has been advised of the possibility of such damages in advance, and all such damages are expressly excluded.13.Citibank's decision on all matters relating to the Privileges will be final and binding on all Citibank Cardmembers.14.All transactions as recorded by Citibank shall be final and conclusive.15.

The Privileges are subject to these Terms and Conditions and the terms and conditions in the Citibank Card Agreement governing each of the Citibank Credit Cards.In the event of any conflict or inconsistency between these Terms and Conditions and the terms and conditions of the Citibank Card Agreement, these Terms and Conditions shall prevail.

1-FOR-1 FRIDAY MOVIE PRIVILEGES AT MAJOR CINEMAS

1.Subject to these Terms and Conditions, on Fridays with effect from

October and until further notice, the principal and supplementary holders of the Citibank Clear credit card (Citibank cardmembers) will be entitled to purchase cinema tickets at:

all Cathay Cineplexes (Cathay)

all Golden Screen Cinemas except Golden Screen Cinemas Signature and

Golden Screen Cinemas Maxx outlets (GSC)

outlets in Malaysia at a special rate as follows : 1 free cinema ticket for every cinema ticket purchased using a Citibank Clear credit card at any Cathay or GSC or outlet, subject to the following : (a) the foregoing applies only to over-the-counter purchases at the respective Cathay or GSC or outlets and not to e-payment ticketing facilities, online ticket purchases or purchases made over the telephone; (b) the foregoing applies only to purchases of tickets for normal seats, ie not to twin seats, couple seats or Gold Class seats nor tickets for screenings of premiere movies or digital 2D/3D movies; (c) the free ticket will be given only for the same screening of the movie for which the ticket paid for with the Citibank Clear credit card was purchased; (d)

the free ticket is not exchangeable for cash, credit or kind whether in part or in full.The benefit described above is hereinafter referred to as Privileges.

2.Citibank shall not be liable for any default or for any loss, damages, costs or expenses suffered or sustained by any Citibank cardmember due to any act of God, war, riot, strike, lockout, industrial action, fire, flood, drought, storm, technical or system failure or any event beyond the reasonable control of Citibank.

3.Citibank shall not be liable for any loss, damages, costs or expenses suffered or sustained by any Citibank cardmember howsoever arising from or in connection with the purchase of cinema tickets.All refunds, if any is sought for whatever reason, must be sought from Cathay Cineplexes Sdn.Bhd.

or Golden Screen Cinemas Sdn Bhd, as the case may be, in accordance with the terms and conditions levied by Cathay Cineplexes Sdn.

Bhd., Golden and Screen Cinemas Sdn Bhd, as the case may be.Citibank shall not be responsible to assist any Citibank cardmember if any claim for anything whatsoever is made by any Citibank cardmember in this connection.Citibank will bear no responsibility for resolving any dispute and Citibank cardmembers are not to liaise with Citibank in regard to all such matters.

4.

Citibank reserves the right at its absolute discretion to vary, delete or add to any of these Terms and Conditions from time to time with notice.These Terms and Conditions may be modified, added, deleted or varied by Citibank by way of posting he Website), or in any other manner deemed suitable by Citibank.The Citibank cardmembers are deemed to have

accessed the Website and to have knowledge of and to have agreed to any changes or variations to these Terms and Conditions.

5.These Terms and Conditions (as amended from time to time pursuant to Clause 4) shall prevail over any provisions or representations contained in any other promotional materials advertising the Privileges.

6.Citibank reserves the right to cancel, terminate or suspend the Privileges with notice.For the avoidance of doubt, cancellation, termination or suspension by Citibank of the Privileges shall not entitle the Citibank cardmembers to any compensation whatsoever against Citibank for any and all loss or damage that may be suffered or incurred by the Citibank cardmembers as a direct or indirect result of the act of cancellation, termination or suspension.7.To the fullest extent permitted by law, Citibank cardmembers are deemed to have waived any right they may have against Citibank and its officers, servants, employees, representatives and/or agents (including without limitation, any third party service providers that Citibank may engage for the purposes of the Privileges), in respect of any loss or damages (including without limitation, loss of income, profits or goodwill, indirect, incidental, consequential, exemplary, punitive or special damages of any party including third parties) howsoever arising whether in contract, tort, negligence or otherwise, in connection with the Privileges, even if Citibank has been advised of the possibility of such damages in advance, and all such damages 8.Citibank's decision on all matters relating to the Privileges will be final and binding on all Citibank cardmembers.9.All transactions as recorded by Citibank shall be final and conclusive.

10.The Privileges are subject to these Terms and Conditions and the terms and conditions in the Citibank Card Agreement governing the Citibank Clear Card.In the event of any conflict or inconsistency between these Terms and Conditions and the terms and conditions of the Citibank Card Agreement, these Terms and Conditions shall prevail.

CITIBANK CLEAR CARD 3X REWARDS ALL YEAR LONG

These Terms and Conditions shall apply to the Citibank Clear Visa/Mastercard credit card.

EligibilitySubject to Clause 3 below, with effect from 5 of October 2010 and until further notice, all principal holders of Citibank Clear credit cards

who are residents of Malaysia (Eligible Cardholders) are eligible to enjoy three (3) times the Rewards Points

(3X Rewards Points) that they would have been entitled to in accordance with the Citibank Rewards Program.The term Reward Point has the same meaning as in the terms and conditions of the Citibank Rewards Program.

The entitlement to 3X Rewards Points subject to these Terms and Conditions is hereinafter referred to as 3X Rewards Points Feature.The following persons are NOT eligible to enjoy the 3X Rewards Points Feature:

(a) a holder of a Citibank Clear credit card not issued in Malaysia;

(b) a holder of a Citibank Clear credit card who is in default of facilities granted by Citibank or whose facilities granted by Citibank have been cancelled, subject to Citibanks discretion; or (c) a holder of a Citibank Clear credit card who has committed or is suspected of committing any fraudulent or wrongful act in relation to the use of his/her Citibank Clear credit card.

The 3X Rewards Points Feature An Eligible Cardholder who uses his/her Citibank Clear credit card to effect any retail transaction at any of the retail outlets in Malaysia selected by Citibank (Qualifying Outlets) shall be entitled to receive 3X Rewards Points as set out in No.

Name of Qualifying Outlets in Malaysia

1.Zouk Club Kuala Lumpur 2.Zouk caf & Bar 3.G2000 4.Zara 5.Charles & Keith 6.Borders Bookstore 7.Alexis Bistro & Wine Bar 8.

Sakae Sushi 9.Pedro For the avoidance of doubt, for the purpose of the 3X Rewards Points Feature, the Qualifying Outlets selected are only the retail outlets which are stand-alone stores and not those which are within other larger stores.

The list of Qualifying Outlets is provided for Eligible Cardholders information only, and there is no representation that the Qualifying Outlets listed are Citibank merchants.Citibank reserves the right to amend the list of Qualifying Outlets from time to time with

notice by way of posting on its website at www.citibank.com.my (Website) or in any other manner deemed suitable by Citibank.

5.Subject to these Terms and Conditions, Eligible Cardholders shall be entitled to receive 3 Reward Points for every RM1.00 spent on retail transactions at Qualifying Outlets and posted to the Eligible Cardholders credit card account.

For instance, if an Eligible Cardholder has effected a retail transaction of RM50 with his Citibank Clear credit card, he shall be entitled to receive a total of 150 Rewards Points (RM50x3=150) for the month.Citibank will not be liable for any delay in the actual posting of the retail transactions and/or Rewards Points earned to the Eligible Cardholders credit card account unless such delay is attributable to the wilfull default or negligence of Citibank.6.

No Eligible Cardholdershall hold Citibank responsible for the quality, merchantability or the fitness for any purpose or any other aspect of the products and/or services provided by third parties.Citibank shall not be liable for any loss, damages, costs or expenses suffered or sustained by any Eligible Cardholder
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