Citibank Select 60,000 bonus reward points1. Rethink banking. Powered by Citi. The Citibank Select Credit Card gives you generous rewards and unique privileges that others can only aspire to. Designed with prestige in mind, it lets you enjoy premium servicing, exclusive travel and shopping benefits and Complimentary Insurance. For a limited time, receive 60,000 bonus reward points when you first spend on your card1. Plus save with a low introductory rate of 4.9% p.a. for 9 months on balances transferred3. After the introductory period the rate reverts to the cash advance rate. Travel takes on a whole new dimension for Select cardholders • One complimentary hotel stay per year from a selection of over 50 premium hotels worldwide4 • Unlimited complimentary airport transfers5, when you book your international business or first class flights through the Citibank Travel Program • Book flights and accommodation with Citibank's Travel Program and pay with your reward points6 • Enjoy unlimited complimentary lounge access per year for you and your guest with a Priority Pass™ Membership7. Earn more reward points with the Select Credit Card • Receive 60,000 bonus reward points when you first spend on your card1 • Earn 2 points per $1 spent on purchases in Australia and up to 5 points per $1 spent on international purchases2 • Receive an additional 3 reward points with Citibank Bonus Partners8 • Earn unlimited Citibank reward points per year with no expiry. Select Credit Card features Balance Transfer Rate 4.9% p.a. for 9 months3. Cash Advance Rate after 9 months. Retail Purchase Rate 20.74% p.a. Cash Advance Rate 21.24% p.a. Interest free period Up to 55 days interest free* Maximum credit limit $100,000# Annual Fee $700 Supplementary Fee $0 Card types available VISA only Qualification Minimum Income requirement $120,000 p.a. Minimum age 18 Manage your account Online budgeting tool Track your expenses and control your finances with our online budgeting tool Citi Alerts Track your account activity with free SMS and email alerts Global view of accounts Enjoy a single online view of your Citibank accounts across the globe. No need to manage multiple accounts. A more rewarding dining experience • Enjoy a free bottle of award winning wine every time you dine at partner restaurants with Citibank's Dining Program10. Complimentary insurance cover for peace of mind • Interstate Flight Inconvenience Insurance9  • International Travel Insurance9  • Transit Accident Insurance9  • Purchase Cover Insurance9  • Extended Warranty Insurance9  • Guaranteed Pricing Scheme9  Customer benefit Estimated value 60,000 bonus Rewards Points Limited offer. Earned on first spend. Based on Myer gift card redemption value. $300 Annual Rewards Points earn Assumes $7,500 spend per month. Based on cash-back redemption value. $1,000 Complimentary Priority Pass™ Membership RRP of Prestige Membership. Unlimited lounge access for card holder and 1 accompanying guest $399 Complimentary Hotel Stay One complimentary night per year from a range of over 50 premium hotels worldwide. Blackouts apply. $350 Complimentary Airport Transfers Unlimited. Requires business/first class flight purchase. Assumes 1 use. $180 $500 Citibank Travel Program voucher Requires $10,000 spend using Citibank Travel Program. $500 Free bottles of wine RRP of 6 bottles of award winning wine. Assumes six dining experiences. $210 Complimentary International Travel Insurance* $100 Complimentary Purchase Cover Insurance* $21 Complimentary Extended Warranty Insurance* $100 *Based on cost of comparable cover   Total estimate value $3,160 Annual fee $700 Net customer value in the first year $2,460 Some of these features are not available for sale, so we have estimated their retail value. Actual value may be more or less based on individual use. Conditions and exclusions apply. Why not also apply for the award winning Citibank Plus everyday bank account - totally fee free11. Simply complete the short application form for the Citibank Plus account once your Citibank Select card application has been completed. Switching your credit card is easy. Apply online today and enjoy 60,000 bonus rewards points when you first spend1. To apply for this product you must meet the following minimum criteria: You are at least 18 years of age You have a good credit rating You earn a taxable income of $120,000 per year or more You are a permanent Australian resident Information required when applying online: Personal contact details Employment status Financial position - your gross annual income, your total monthly income and expenses.

Important information Fees and charges apply. Terms and Conditions apply and are available upon request. Credit criteria apply. Current Citibank Credit Cardholders are not eligible to apply for this introductory offer. For the Citibank Select Credit Card the annual primary cardholder fee is currently $700 and $0 for an Additional Citibank Select Credit Card. 1. You have the choice of earning 60,000 Citibank Reward points or 60,000 Qantas Frequent Flyer Points (if you enrol in the Citibank Qantas Rewards Program for an annual fee of $49 at the time of application). To be eligible for the 60,000 bonus reward points, you will need to apply for a Citibank Select Credit Card by 20 November 2013, and first spend on your Card by 20 February 2014. All Rewards are subject to the terms and conditions of the Citibank Rewards Program. Citibank Reward points never expire as long as your account remains open. Current Citibank Credit Cardholders are not eligible to apply for this introductory offer. Offer ends 20 November 2013. 2. Different Rewards points earn rates apply to cardholders who enrol in airline frequent flyer direct earn rewards programs. 3. Your total balance transfers may not exceed 80% of your credit limit. The 4.9% p.a. interest rate applies to balances transferred with this offer at point of application, for a period of 9 months. The 9 month promotional period commences once balance transfer is processed. The end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the Annual Percentage Rate for Cash Advances, currently 21.24% p.a. The current Annual Percentage Rate for retail purchases is 20.74% p.a. Interest rates are variable and subject to change. The interest rates are current as at 1 April 2013. This offer ends 20 November 2013. Current Citibank Credit Cardholders are not eligible to apply for this introductory offer. 4. Terms, conditions and blackout dates apply. Hotel night stay is subject to availability, for one night and is on a room only basis unless otherwise indicated. Full conditions available at citibank.com.au/citiselect. Must be booked through Citibank Travel Program service call centre, operated by Pinpoint Travel Group Pty Ltd. Licence No. 2TA002974. Not available to customers enrolled in airline frequent flyer direct earn rewards programs. 5. Terms and conditions apply. Maximum radius of 21 km. Applies to travel to and from international first and business class flight bookings with Citibank Travel Program other than trans-Tasman. Cannot be used with any other offer. Full terms and conditions available at www.citibank.com.au/travel 6. Citibank Travel Program service call centre is operated by Pinpoint Travel Group Pty Ltd, Licence No. 2TA002974. Travel booked via the call centre must be paid in full using the customer's Citibank Select Credit Card, with a cash back processed to the value of points redeemed. Cash back on customer account may take up to 14 days. Redemption via the Citibank Travel Program call centre is available only to customers enrolled in the Citibank Rewards Program and is not available to cardholders who enrol in airline frequent flyer direct earn rewards programs. All offers are subject to availability and change without notice. Offers may vary according to itinerary options, currency fluctuations and taxes at the time of booking. Where flights are included, price includes taxes. Other departure cities available, prices may vary. All offers are based on certain travel dates, other dates available, prices may vary. Prices are correct as at 09 January 2012 but are subject to change at any time without notice. Flight restrictions, cancellations, reissue fees apply. Packages are subject to availability at time of booking, seasonal surcharges and blackout dates may apply. 7. One complimentary Priority Pass membership for the primary card holder is a special feature of Citibank Select. The primary card holder is entitled to unlimited visits to Priority Pass™ lounges and may bring one guest per visit. Any additional guests will be charged directly by the lounge. The membership is subject to the Priority Pass™ Conditions of Use available at www.prioritypass.com. Once you have activated your Citibank Select card please allow up to 15 working days for your Priority Pass™ card to arrive in the mail. Please note that Priority Pass is not currently available at any Australian airport other than Melbourne International Airport. 8. Bonus Points are earned on purchases made at participating Australian Bonus Partner retailers only. Bonus Points are not available to cardholders who enrol in airline frequent flyer direct earn rewards programs. 9. International Travel Insurance, Extended Warranty Insurance, Transit Accident Insurance, Interstate Flight Inconvenience, Guaranteed Pricing Scheme and Purchase Cover Insurance are provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 232507 and Citigroup Pty Limited, and are subject to Terms and Conditions and exclusions available at www.citibank.com.au/complimentaryinsurance. An excess applies to Purchase Cover Insurance. Depending on your circumstances complimentary travel insurance may not be adequate for your needs. Always read the terms and conditions. 10. Citibank's Dining Program is operated by Pinpoint Pty Ltd ABN 49 002 693 656 and Zenith Wine Agencies Pty Ltd ABN 66 128 399 717. Please visit citibank.com.au/dining for important information about how to use this program to receive a free bottle of wine. 11. Citibank Plus is issued by Citigroup Pty Limited ABN 88 004 325 080, AFSL 238098 ("Citibank"). The Terms and Conditions that apply are available on request. Any advice is general advice only. It was prepared without taking into account your objectives, financial situation, or needs. Before acting on this advice you should consider if it's appropriate for your particular circumstances. Total balances held by a depositor with Citibank, up to an amount of AUD$250,000, automatically access the Financial Claims Scheme. For more information go to www.apra.gov.au or call 1300 55 88 49. Further information and our dispute resolution process is available at www.citibank.com.au or by phone on 1300 137 931. The Citibank Select Credit Card was awarded CANNEX 5 star Outstanding Value in the Big Spender category in 2012. *The maximum 55 days interest free period applies when you pay your balance off in full for two consecutive months. If you carry a balance on your credit card from month to month, the 55 days interest free period does not apply and you are charged interest once you make a purchase. No interest free period is available on Cash Advances or Balance Transfers. #Actual credit limit will be assigned based on our credit criteria, subject to confirmation that you earn a minimum of $120,000 per year and your credit rating. Credit limit is up to $30,000 at point of initiation. Over time, you may increase your credit limit up to $100,000, if you satisfy our credit criteria. © 2013 Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098. Citibank®, Citi® and Arc Design® are service marks of Citigroup Inc.

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