Earn up to 3% Citi M1 Rebate* on M1 Telco Bills (M1 Recurring Charges and M1 MAXX Charges).

Citi M1 Card supplementary cardmembers will not be eligible for extra Citi M1 Rebate on their M1 bills.

Terms and Conditions apply, visit www.citibank.com.sg/m1card for more details.

Effective: 24 October, 2024

1. Waiver of administrative fee on re-contract (For main Citi M1 Cardmembers only)
   • To enjoy this benefit, the monthly payment of your particular M1 line must be automatically debited to your Citi M1 Card. This must be already in place at the point of application.
   • Please identify yourself as a Citi M1 Cardmember upon application request.
2. Free SIM card replacement in the case of loss or damage (For main Citi M1 Cardmembers only)
   • To enjoy this benefit, the monthly payment of your particular M1 line must be automatically debited to your Citi M1 Card. This must be already in place at the point of application.
   • Please identify yourself as a Citi M1 Cardmember upon application request.
3. Earn up to 3% Citi M1 Rebate on M1 Shop in-store purchases
   • Terms and Conditions apply, visit www.citibank.com.sg/m1card for more details.

Effective: 24 October, 2024

Citi M1 Card Online Sign-up Promotion S$400 Cash Back Upsized Welcome Gift Promotion Terms and Conditions (“Promotion”)

1. Promotion and Gift

a) The Promotion Period is open from 24 October 2024 to 28 February 2025 (both dates inclusive) (“Promotion Period”).

b) If you meet all our requirements under the promotion, you will receive S$400 Cash Back (“Welcome Gift”).

c) You will only be entitled to receive one (1) Welcome Gift subjected to additional terms as set out below.

2. Eligibility

a) This Promotion is opened to new customers (as a main cardmember) who applied for this Promotion during the Promotion Period.

b) You are a new customer if

i. you have applied for the Eligible Card through an on-line acquisition channel;

ii. you do not have any existing Citi Credit Card (as a main cardmember) Account (“Account’’) at the time of your application; and

iii. you do not previously own a Citi Credit Card (as a main cardmember) that was terminated/closed in the last twelve (12) months prior to your application; and

iv. you do not have any pending applications for Citi Credit Card (as a main cardmember).

3. Qualifying Criteria

a) To qualify, your application for a Citi Credit Card must be approved and successfully opened within 30 days from the date of application and meet the Qualifying Criteria on any of your Eligible Card.

b) “M1 Telco Bill” means M1 Recurring Charges and other eligible charges as M1 may bill to a cardmember bearing the Merchant Description and MCC as set out in clause 3.2 (a) of the Citi M1 Platinum Visa Citi M1 Rebate – The Cash Rebate Program Terms and Conditions.

c) “M1 Shop Spend” refers to spend at M1 Shops, and exclusive distributors of M1 on Citi M1 Card as follows:

• M1 Shops Bugis Junction

• M1 Shops Causeway Point

• M1 Shops Compass One

• M1 Shops IMM Building

• M1 Shops Jurong Point

• M1 Shops NEX

• M1 Shops Tampines Mall

d) Qualifying Spend refers to any retail transactions (including internet purchases) which do not arise from (i) any Equal Payment Plan (EPP) purchases, (ii) refunded / disputed / unauthorized / fraudulent retail purchases, (iii) Quick Cash and other instalment loans, (iv) Citi PayLite / Citi FlexiBill / cash advance / quasi-cash transactions / balance transfers / annual card membership fees / interest / goods and services taxes, (v) bill payments made using the Eligible Card as a source of funds, (vi) late payment fees, (vii) any other form of service/miscellaneous fees and (viii) Citi PayAll transactions where the customer is not charged the Citi PayAll service fee. Any reversals/rebates/refunds, whether full or partial, will go towards reducing the accumulated retail transaction amount.

e) If you no longer meet the Qualifying Spend within the Qualifying Spend Period due to transactions reversed / refunded / rejected, Citibank reserves the right to forfeit / clawback the Welcome Gift.

f)

The Qualifying Spend will be determined by “spend date” which is the transaction date based on Singapore Timing (UTC+08:00). Citibank bears no liability for any late submission or transaction posting of any purchase by any merchant that might affect the Promotion.

4. Fulfillment of Welcome Gift

a) The Welcome Gift will be credited to your approved and successfully opened Credit Card within three (3) calendar months from the end of the Qualifying Spend Period. Citibank may extend the date of crediting with notice. You will not be entitled the Welcome Gift for any of the following reasons:

i. any of your credit card(s) or any account(s) with Citibank is/are not in good standing (as determined by Citibank in its discretion and including default of any payment to Citibank) or is/are inactive / closed / terminated / suspended and/or not activated at any time during the Promotion Period or any time after the Promotion Period up to and including the time of fulfillment of the relevant Welcome Gift; or

ii. if Citibank is of the opinion that you had at any time: a) acted fraudulently or dishonestly; and/or b) conducted in bad faith or otherwise in an inappropriate manner to gain an unfair advantage against Citibank; or

iii. any reason which Citibank determines in its discretion that you should not be entitled to receive the Welcome Gift, such discretion to be exercised reasonably.

b) The Welcome Gift cannot be used to offset against any minimum payment due and cannot be withdrawn in cash.

5. General Terms and Conditions

a) By participating in this Promotion, the Eligible Cardmember authorizes Citibank to send Short Message Service ("SMS") notifications pertaining to the Promotion to him/her.

b) Citibank reserves the right to terminate this Promotion at any time, and/or vary the terms and conditions governing this Promotion from time to time.

c) Citibank makes no warranty or representation 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 at any time be held liable for any loss, injury, damage or harm suffered by or in connection with the products and/or services provided by third parties.

d) In the event of any inconsistency between these terms and conditions and any advertising, promotional, publicity and other materials relating to or in connection with the Promotion, these terms and conditions shall prevail.

e) Citibank’s decision on all matters relating to this Promotion will be at its discretion and will be

final and binding on all customers.

f) This Promotion is not valid with other ongoing acquisition offers or promotions unless otherwise stated.

g) Citibank reserves the right to offer different promotions/offers depending on channel or platform.

Effective: 24 October, 2024

Citi x M1 Spend & Get Promotion (“Promotion”) Terms and Conditions

Exclusive to Citi M1 Credit Cardmembers Only

1. Definitions:

a. “Citi” or “Citibank” refers to Citibank Singapore Limited.

b. “M1” refers to M1 Limited.

c. “Promotion” refers to the Citi x M1 Spend & Get Promotion (“Promotion).

d. “Cardmember” refers to all customers holding on to a Citi M1 Credit Card.

e. “Citi M1 Credit Card” refers to all Citi M1 Credit Cards issued in Singapore.

f. “Promotion Period” refers to the period from 24 October 2024 to 30 June 2025 both dates

inclusive.

g. “Qualifying Spend” refers to retail purchase of any goods or services made to Citi M1 Credit Card

which does not arise from any:

i. annual fees, interest charges, late payment charges, GST, cash advances,

instalment/easy/extended/equal payment plans, preferred payment plans, balance

transfers, cash advances, quasi-cash transactions, all fees charged by Citibank or third

party, miscellaneous charges imposed by Citibank (unless otherwise stated in writing by

Citibank);

ii. funds transfers using the card as source of funds;

iii. bill payments (including via Citibank Online or via any other channel or agent);

iv. payments to educational institutions;

v. payments to government institutions and services (including but not limited to court

cases, fines, bail and bonds, tax payment, postal services, parking lots and garages,

intra-government purchases);

vi. payments to insurance companies (sales, underwriting, and premiums);

vii. payments to financial institutions (including banks and brokerages);

viii. payments to non-profit organizations;

ix. betting or gambling (including lottery tickets, casino gaming chips, off-track betting, and

wagers at race tracks) through any channel;

x. any top-ups or payment of funds to payment service providers, prepaid cards and any

prepaid accounts;

xi. transit-related transactions; and

xii. Citi PayAll transactions where the customer is not charged the Citi PayAll service fee; or

xiii. transactions performed at establishments/businesses/merchants that fall within an

excluded Merchant Category or a merchant that has been excluded by the bank, as sent

out in www.citibank.com.sg/rwdexcl (this list of excluded Merchant Categories or

merchants may be updated from time to time at our discretion and Eligible Cardmembers

shall refer to this list for any updates)

For the purposes of this Promotion, any Qualifying Spend charged to a supplementary cardholder

of Citi M1 Credit Card will be added to the main cardholder’s Qualifying Spend on his main Citi M1

Credit Card.

h. “Qualifying Conditions” refers to the conditions set out in clause 3 below.

i. “Eligible Cardmember” refers to Cardmember who fulfil the Qualifying Conditions as set out in

clause 3 below.

j. “Gift” refers to the S$30 or S$90 M1 Handset Voucher that the Eligible Cardmember will receive

upon meeting the Qualifying Conditions. Terms and Conditions of the Gift could be found at

“https://m1.sg/CitiSpendAndGetVoucherTnCs”.

2. Participation and Enrollment

To participate in this Promotion, Eligible Cardmembers will need to enroll for the Promotion on Citi

Mobile® App during the Promotion Period from 24 October 2024 to 30 June 2025. An Eligible

Cardmember is only successfully enrolled if he/she has received a confirmation via Citi Mobile® App

from the Bank that his/her enrollment has been successful.

3. Promotion Mechanics (“Qualifying Conditions”)

a. Eligible Cardmembers will qualify to receive Gift if he/she fulfils all requirements of the Promotion during Promotion Period.

i. An Eligible Cardmember who enrols for the Promotion and charges S$4,000 to under S$6,000 worth of Qualifying Spend on Citi M1 Card during the Promotion Period, will receive S$30 M1 Handset Voucher or

ii. An Eligible Cardmember who enrols for the Promotion and charges S$6,000 and above worth of Qualifying Spend on Citi M1 Card during the Promotion Period, will receive S$90 M1 Handset Voucher.

4. Each Qualified Cardmember is limited to one Gift during the Promotion Period.

5. Qualifying Spend will be determined by its transaction date based on Singapore Timing (UTC+08:00) and Citibank bears no liability for any late submission or transaction posting of any purchase by any merchant that might affect the Promotion.

6. Fulfilment of Gift when the eligible Cardmember meets the Qualifying Conditions during the Promotion Period:

i. The Gift will be in the form of a M1 Handset Voucher which will be uploaded to Citi Mobile® App within three (3) calendar months from the end of the Promotion Period given that all the conditions in Clause (3) have been satisfied. The Gift must be redeemed within 6 months from the date of when Citi uploads the M1 Handset Voucher on Citi Mobile® App, and is only applicable for redemption at M1 Shops, and exclusion distributors of M1:

a. M1 Shops Bugis Junction

b. M1 Shops Causeway Point

c. M1 Shops Compass One

d. M1 Shops IMM Building

e. M1 Shops Jurong Point

f. M1 Shops NEX

g. M1 Shops Tampines Mall

ii. In the event that the eligible Cardmember has accumulated the Qualifying Spend amount on his/her eligible card or eligible account within the Promotion Period, but has some of his/her transactions made during the Promotion Period reversed/refunded/rejected, and as a result the eligible Cardmember no longer meets the Qualifying Spend amount within the Promotion Period, Citibank reserves the right to forfeit/clawback the Gift.

7. An Eligible Cardmember whose Citi M1 Credit Card is closed/terminated and/or suspended (whether closed/terminated/suspended by the Eligible Cardmember or Citibank or for any reason whatsoever) during the Promotion Period or before the fulfilment of the Gift will not be entitled to receive any cash rebate on or after the date on which the Citi M1 Credit Card is closed/suspended/terminated.

8. Citibank reserves the right to terminate this Promotion at any time, and/or vary the terms and conditions governing this Promotion including varying any part or all of the Cash rebate or offering a replacement of a similar value at any time, without having to give any prior notice.

9. This promotion and all services provided by M1 are subject to M1 registration guidelines, General Terms and Conditions and other applicable specific terms and conditions available at m1.com.sg. In the event of any conflict or inconsistency between the terms, such conflict or inconsistency shall, in the absence of any express agreement to the contrary, be resolved in a manner most favorable to M1, to the fullest extent permissible under applicable laws.

10. M1 reserves the right to refuse any customer’s eligibility for the Promotion at any time in its discretion in the event of such customer’s breach or suspected breach of any of the terms and conditions herein without prior notification or any liability to such customer whatsoever.

11. Citi and M1 reserve the right to vary any terms or conditions of the Promotion. M1 will, where it is practicable to do so, give customers advance notice (which may be through written notice, electronic mail, letters, M1 website, bills or such other forms as M1 deems appropriate) of such changes.

12. Citi shall not be responsible for the quality, merchantability, or the fitness for any purpose or any other aspect of the items and/or services provided by the merchant. Notwithstanding anything herein, Citi shall not at any time be responsible or held liable for any loss, injury, damage or harm suffered or incurred by or in connection with the items and/or services provided by the M1 whether

by the customer or by any other person. All disputes about quality, merchantability, or the fitness of

the item and/or services should be resolved directly with M1. For the avoidance of doubt, cancellation, termination, or suspension by M1 or Citi of this Promotion shall not entitle any party to any claim or compensation against Citi for any and all losses or damage suffered or incurred as a direct or indirect result of the act of cancellation, termination or suspension.

13. In the event of any inconsistency between these terms and conditions and any advertising, promotional, publicity and other materials relating to or in connection with the Promotion, these terms and conditions shall prevail.

14. Citi’s and M1’s decision on all matters relating to this Promotion will be at its absolute discretion and will be final and binding on all customers.

Updated September 2024

Frequently Asked Questions (FAQ)

1. When is the Promotion Period?

“Promotion Period” refers to the period from 24 October 2024 to 30 June 2025 both dates inclusive.

2. How do I qualify to receive the Gift?

You will have to fulfil all requirements of the Promotion during Promotion Period.

i. An Eligible Cardmember who enrols for the Promotion and charges S$4,000 to under S$6,000 worth of Qualifying Spend on Citi M1 Card during the Promotion Period, will receive S$30 M1 Handset Voucher or

ii. An Eligible Cardmember who enrols for the Promotion and charges S$6,000 and above worth of Qualifying Spend on Citi M1 Card during the Promotion Period, will receive S$90 M1 Handset Voucher.

3. How can I enroll for the Citi x M1 Spend & Get Promotion?

To participate in this Promotion, Eligible Cardmembers will need to enroll for the Promotion on Citi Mobile® App during the Promotion Period from 24 October 2024 to 30 June 2025 via the following steps:

Step 1: Login to Citi Mobile® App

Step 2: Select “For You”

Step 3: Next, select “Get More”

Step 4: Select “Learn More” on the banner titled as “Spend & Get with your Citi M1 Card!”

Step 5: Select "Enrol Now”.

An Eligible Cardmember is only successfully enrolled if he/she has received a confirmation via Citi Mobile® App from the Bank that his/her enrollment has been successful.

4. What do I do if I am unable to enroll for the Promotion on the Citi Mobile® App during the Promotion Period from 24 October 2024 to 30 June 2025?

Please contact us by messaging us on the Citi Mobile® App or at our CitiPhone hotline from 8am to 8pm and we will do our best to assist you.

5. What qualifies as a Qualifying Spend?

“Qualifying Spend” refers to retail purchase of any goods or services made to Citi M1 Credit Card which does not arise from any:

i. annual fees, interest charges, late payment charges, GST, cash advances, instalment/easy/extended/equal payment plans, preferred payment plans, balance transfers, cash advances, quasi-cash transactions, all fees charged by Citibank or third party, miscellaneous charges imposed by Citibank (unless otherwise stated in writing by Citibank);

ii. funds transfers using the card as source of funds;

iii. bill payments (including via Citibank Online or via any other channel or agent);

iv. payments to educational institutions;

v. payments to government institutions and services (including but not limited to court cases, fines, bail and bonds, tax payment, postal services, parking lots and garages, intra-government purchases);

vi. payments to insurance companies (sales, underwriting, and premiums);

vii. payments to financial institutions (including banks and brokerages);

viii. payments to non-profit organizations;

ix. betting or gambling (including lottery tickets, casino gaming chips, off-track betting, and wagers at race tracks) through any channel;

x. any top-ups or payment of funds to payment service providers, prepaid cards and any prepaid accounts;

xi. transit-related transactions; and

xii. Citi PayAll transactions where the customer is not charged the Citi PayAll service fee; or

xiii. transactions performed at establishments/businesses/merchants that fall within an excluded Merchant Category or a merchant that has been excluded by the bank, as sent out in www.citibank.com.sg/rwdexcl (this list of excluded Merchant Categories or merchants may be updated from time to time at our discretion and Eligible Cardmembers shall refer to this list for any updates)

For the purposes of this Promotion, any Qualifying Spend charged to a supplementary cardholder of Citi M1 Credit Card will be added to the main cardholder’s Qualifying Spend on his main Citi M1 Credit Card.

6. Is the Qualifying Spend based on transaction date or posting date?

Qualifying Spend will be determined by its transaction date based on Singapore Timing (UTC+08:00) and Citibank bears no liability for any late submission or transaction posting of any purchase by any merchant that might affect the Promotion.

7. What happens if I have one or more transactions made during the Promotion Period been reversed/refunded/rejected?

In the event that the eligible Cardmember has accumulated the Qualifying Spend amount on his/her eligible card or eligible account within the Promotion Period, but has some of his/her transactions made during the Promotion Period reversed/refunded/rejected, and as a result the eligible Cardmember no longer meets the Qualifying Spend amount within the Promotion Period, Citibank reserves the right to forfeit/clawback the Gift.

8. Can I receive more than 1 Gift during the Promotion Period?

Each Qualified Cardmember is limited to one Gift during the Promotion Period.

For example, if you spent S$20,000 worth of Qualifying Spend on Citi M1 Card during the Promotion Period, you will receive S$90 M1 Handset Voucher.

9. Where can I find out more information on the M1 Handset Voucher?

Terms and Conditions of the M1 Handset Voucher could be found at “https://m1.sg/CitiSpendAndGetVoucherTnCs”.

Effective: 24 October, 2024

Citi M1 iPhone 16/16 Plus/16 Pro/16 Pro Max Promotion 2024 (“Promotion”)

Exclusive to Citi M1 Credit Cardmembers Only

1. The “Get up to S$150 off any iPhone 16/16 Plus/16 Pro/16 Pro Max with M1” promotion (“Promotion”) is applicable for re-contracts for any iPhone 16/16 Plus/16 Pro/16 Pro Max (“Handset”) with any Bespoke Flexi / Bespoke Flexi(Business) or 2- year Bespoke Contract/Bespoke Contract(Business) plans.

2. Promotion is valid for all M1 CONSUMER / CORI /CORPORATE customers.

3. Promotion is valid from 1 October 2024 to 31 December 2024 (both dates inclusive) (“Promotion Period”), or such earlier date once the Promotion is fully redeemed or otherwise as determined by M1 and Citi.

4. Promotion is only applicable for redemption at M1 Shops, and exclusive distributors of M1:

• M1 Shops Bugis Junction

• M1 Shops Causeway Point

• M1 Shops Compass One

• M1 Shops IMM Building

• M1 Shops Jurong Point

• M1 Shops NEX

• M1 Shops Tampines Mall

5. To enjoy this Promotion, customers must purchase and make full payment for a Handset with a valid Citi M1 Credit Card issued in Singapore, and re-contract on a Bespoke Flexi/Bespoke Flexi(Business) plan or 2-year Bespoke Contract/Bespoke Contract(Business) plan with M1 within the Promotion Period.

6. The Promotion is only applicable to Citi M1 Credit Cardmembers who make payment for Handset with an Eligible Citi M1 Credit Card at the point-of-sale terminal at the physical M1 shop, and present their physical Citi M1 Credit Card to the M1 retail staff at the time of payment. sale. Offer Eligibility

7. Offer is limited to one (1) redemption per customer and subject to the first four hundred (400) redemptions over the Promotion Period.

8. Promotion will be awarded at point of re-contract. However, M1 reserves the right to claw back the S$100/S$150 (as applicable) and will charge such amount to the customer’s bill in the event the customer is deemed to have not fulfilled any criteria under this Promotion.

9. Promotion is not transferable and is only valid on re-contracting line.

10. Promotion cannot be used with other discounts, vouchers, or promotions, unless otherwise stated. Any unutilised amount for this Promotion will not be refunded and cannot be used to offset any other promotions.

11. This promotion and all services provided by M1 are subject to M1 registration guidelines, General Terms and Conditions and other applicable specific terms and conditions available at m1.com.sg. In the event of any conflict or inconsistency between the terms, such conflict or inconsistency shall, in the absence of any express agreement to the contrary, be resolved in a manner most favourable to M1, to the fullest extent permissible under applicable laws.

12. M1 reserves the right to refuse any customer’s eligibility for the Promotion at any time in its discretion in the event of such customer’s breach or suspected breach of any of the terms and conditions herein without prior notification or any liability to such customer whatsoever.

13. Citi and M1 reserve the right to vary any terms or conditions of the Promotion. M1 will, where it is practicable to do so, give customers advance notice (which may be through written notice, electronic mail, letters, M1 website, bills or such other forms as M1 deems appropriate) of such changes.

14. Citi shall not be responsible for the quality, merchantability, or the fitness for any purpose or any other aspect of the items and/or services provided by the merchant. Notwithstanding anything herein, Citi shall not at any time be responsible or held liable for any loss, injury, damage or harm suffered or incurred by or in connection with the items and/or services provided by the M1 whether by the customer or by any other person. All disputes about quality, merchantability, or the fitness of the item and/or services should be resolved directly with M1. For the avoidance of doubt, cancellation, termination, or suspension by M1 or Citi of this Promotion shall not entitle any party to any claim or compensation against Citi for any and all losses or damage suffered or incurred as a direct or indirect result of the act of cancellation, termination or suspension.

15. In the event of any inconsistency between these terms and conditions and any advertising, promotional, publicity and other materials relating to or in connection with the Promotion, these terms and conditions shall prevail.

16. Citi’s and M1’s decision on all matters relating to this Promotion will be at its absolute discretion and will be final and binding on all customers.

17. “Citi” or “Citibank” refers to Citibank Singapore Limited.

18. “M1” refers to M1 Limited.

Effective: 24 October, 2024

Citi M1 Samsung Galaxy Z Flip6/ Samsung Galaxy Z Fold6 Promotion 2024 (“Promotion”)

Exclusive to Citi M1 Credit Cardmembers Only

1. The “Get up to S$200 off any Samsung Galaxy Z Flip6/ Samsung Galaxy Z Fold6 with M1” promotion (“Promotion”) is applicable for New sign up or re-contracts for any Samsung Galaxy Z Flip6/ Samsung Galaxy Z Fold6 (“Handset”) with any Bespoke Flexi / Bespoke Flexi(Business) or 2- year Bespoke Contract/Bespoke Contract(Business) plans.

2. Promotion is valid for all M1 CONSUMER / CORI /CORPORATE customers.

3. Promotion is valid from 24 July to 30 November 2024 (both dates inclusive) (“Promotion Period”), or such earlier date once the Promotion is fully redeemed or otherwise as determined by M1 and Citi.

4. Promotion is only applicable for redemption at M1 Shops, and exclusive distributors of M1:

• M1 Shops Bugis Junction

• M1 Shops Causeway Point

• M1 Shops Compass One

• M1 Shops IMM Building

• M1 Shops Jurong Point

• M1 Shops NEX

• M1 Shops Tampines Mall

5. To enjoy this Promotion, customers must purchase and make full payment for a Handset with a valid Citi M1 Credit Card issued in Singapore, and sign up a new line or re-contract on a Bespoke Flexi/Bespoke Flexi(Business) plan or 2-year Bespoke Contract/Bespoke Contract(Business) plan with M1 within the Promotion Period.

6. The Promotion is only applicable to Citi M1 Credit Cardmembers who make payment for Handset with an Eligible Citi M1 Credit Card at the point-of-sale terminal at the physical M1 shop, and present their physical Citi M1 Credit Card to the M1 retail staff at the time of payment. sale. Offer Eligibility

7. Offer is limited to one (1) redemption per customer and subject to the first three hundred (300)

redemptions over the Promotion Period.

8. Promotion will be awarded at point of re-contract. However, M1 reserves the right to claw back the S$100/S$200 (as applicable) and will charge such amount to the customer’s bill in the event the customer is deemed to have not fulfilled any criteria under this Promotion.

9. Promotion is not transferable and is only valid on re-contracting line.

10. Promotion cannot be used with other discounts, vouchers, or promotions, unless otherwise stated. Any unutilised amount for this Promotion will not be refunded and cannot be used to offset any other promotions.

11. This promotion and all services provided by M1 are subject to M1 registration guidelines, General Terms and Conditions and other applicable specific terms and conditions available at m1.com.sg. In the event of any conflict or inconsistency between the terms, such conflict or inconsistency shall, in the absence of any express agreement to the contrary, be resolved in a manner most favourable to M1, to the fullest extent permissible under applicable laws.

12. M1 reserves the right to refuse any customer’s eligibility for the Promotion at any time in its discretion in the event of such customer’s breach or suspected breach of any of the terms and conditions herein without prior notification or any liability to such customer whatsoever.

13. Citi and M1 reserve the right to vary any terms or conditions of the Promotion. M1 will, where it is practicable to do so, give customers advance notice (which may be through written notice, electronic mail, letters, M1 website, bills or such other forms as M1 deems appropriate) of such changes.

14. Citi shall not be responsible for the quality, merchantability, or the fitness for any purpose or any other aspect of the items and/or services provided by the merchant. Notwithstanding anything herein, Citi shall not at any time be responsible or held liable for any loss, injury, damage or harm suffered or incurred by or in connection with the items and/or services provided by the M1 whether by the customer or by any other person. All disputes about

quality, merchantability, or the fitness of the item and/or services should be resolved directly with M1. For the avoidance of doubt, cancellation, termination, or suspension by M1 or Citi of this Promotion shall not entitle any party to any claim or compensation against Citi for any and all losses or damage suffered or incurred as a direct or indirect result of the act of cancellation, termination or suspension.

15. In the event of any inconsistency between these terms and conditions and any advertising, promotional, publicity and other materials relating to or in connection with the Promotion, these terms and conditions shall prevail.

16. Citi’s and M1’s decision on all matters relating to this Promotion will be at its absolute discretion and will be final and binding on all customers.

17. “Citi” or “Citibank” refers to Citibank Singapore Limited.

18. “M1” refers to M1 Limited.

Effective: 24 October, 2024