The words "I", "me" and "my" refer to any holder of the accounts maintained with you and including one or more individuals, sole proprietorship, partnership, corporation and unincorporated association or body. The words "you" and "your" refer to any and/or all of Citibank (Hong Kong) Limited ("Bank") and Diners Club International (Hong Kong) Limited, as the case may be.

You have the discretion from time to time to determine the scope of the Citibank online services (the "Services"), set or change the daily cut-off time, withdraw or discontinue the Services without notice or responsibility to me. Any transaction done via the Services after the daily cut-off time in Hong Kong shall be treated as a transaction at next business day value.

Your Services enable me to be connected to your data and operation system through internet to have direct access to all or any of my accounts (including all other accounts linked to them) or to effect transactions through internet at any terminal. My use or continued use of the Services shall constitute my acceptance of the Terms and Conditions herein.

This Agreement shall be applicable to any future Accounts which I may hereafter open with you.

My use of and all transactions and dealings effected by using the Services are subject to these terms, the Terms and Conditions for Accounts and Services and all other terms and conditions applicable to me from time to time including those set out on the website. Such Internet Privacy Statement and other terms and conditions shall apply as if they were expressly extended to the use of the Services.

This Agreement is supplementary to and not in substitution for any provisions in the Terms and Conditions for Accounts and Services. In case of inconsistency between this Agreement, the Internet Privacy Statement or the terms and conditions applicable to, the provisions in this Agreement shall prevail.

To access the Services for the first time, I must register my card number (the "Card Number"), personal identification number ("PIN") and my account number (where applicable) issued or assigned by you online or in such other manner as you may from time to time specify.

I must subsequently choose my own user identification code (the "User ID") and password (the "Password") to access the Services and I may choose to change the User ID and Password at any time upon acceptance by you.

You may, in your sole discretion, require me to obtain a one-time online authorization code ("OAC") for extra security protection to access certain online services and transactions as determined by you from time to time. For the first time to effect any such services and transactions, I will be required to input the OAC which will be sent to my mobile phone number registered with you via SMS message or in such other manner as you may from time to time specify. If I do not have a mobile phone number registered with you, I will have to effect any such online services and transactions via any branches of the Bank or by other means as notified by you.

I agree to notify you immediately in case of change, suspension or loss of my mobile phone number (or its related mobile phone handset, SIM card) through the Services or call 24-hour CitiPhone Banking (852) 2860 0333.

You are hereby authorized (but are not obliged) to treat and consider as valid and binding on me any instruction given, or agreement made with you, through internet by any person using the Security Codes without making any inquiry as to the authority or identity of the person making or purporting to give such instructions or their authenticity notwithstanding any error, misunderstanding, fraud, forgery or lack of clarity in or authorization for their terms.

Advice or confirmation that an instruction has been received and/or a transaction has been effected through the Services may be provided by you. I acknowledge that there may be a time lag in transmission of instructions, information or data via the Services and such advice or confirmation pertaining to the Services shall not for any purpose whatsoever by taken as conclusive of my account balance and transaction status.

I shall keep the User ID, Password, Card Number, PIN and/or OAC (together the "Security Codes") secure and confidential and shall not disclose or permit it to be disclosed to any unauthorized person. If I discover or suspect that the Security Codes are known to someone else, compromised, lost or stolen, I shall immediately inform you via 24-hour CitiPhone Banking (852) 2860 0333.

Subject to clause 5.1, I am also not responsible for unauthorized transactions in the Accounts (if I have not acted fraudulently or with gross negligence) caused by:

In case any Account which is accessible through the Services is a joint or partnership account, I shall be responsible for the liabilities and obligations of the other account holder(s) or partner(s) howsoever arising on a joint and several basis.

I shall check my accounts and statements on a regular basis and inform you as soon as reasonably practicable about any errors or unauthorized transactions.

Unless there is gross negligence or willful default of you, you shall not be liable to me for

Subject to the provisions herein, if you are found liable for your acts or omissions for any reason whatsoever, your liability shall be limited to the amount of the relevant transaction or my direct damages whichever is less. You shall not be liable to me for any indirect, special or consequential loss or damages.

In connection with any transfer of funds through the use of the Services to a third party account maintained with you or other financial institutions or persons, you will not assume any responsibility or obligation for any transfer or error arising out of my failure to provide or input sufficient or accurate data to enable my proposed transfer.

You may from time to time charge a service fee at such rate as you may notify me for my use of your Services. All charges associated with gaining access to the Services will be borne by me.

I and (if applicable) each of our partners/committee members/directors understand and agree that my/his use of any of your facilities and services and all account(s) opened by me/him will be governed by the Policy Statement relating to the Personal Data (Privacy) Ordinance ("PDPO Policy") available on the website by you. I and (if applicable) each of our partners/committee members/directors hereby understand that the PDPO Policy contains your policies and practices from time to time in force relating to personal data, including without limitation its collection, use, possession, dispatch, transmission, access and correction and other matters incidental thereto.

I and (if applicable) each of our partners/committee members/directors understand that my/his data may be disclosed to, processed or kept by your service providers and other classes of persons as set out in the PDPO Policy.

I and (if applicable) each of our partners/committee members/directors may always contact such persons referred to in the PDPO Policy to gain access to and request correction to me/his information provide to you.

You have the right to amend, add, delete, replace or supplement any of this Agreement at any time by giving notice to me, and the same shall become binding on me from the date of their adoption by you and shall be deemed to have come to my attention by their being displayed at the websites or any other mode which you deem fit.

I may cancel the use of the Services at any time by giving notice through the 24-hour CitiPhone Banking (852) 2860 0333 or by using any other methods as you may notify me from time to time.

The Services and the Agreement shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region of the People Republic of China ("Hong Kong"). I hereby irrevocably submit to the non-exclusive jurisdiction of the Hong Kong courts.