7- The borrower's obligations:
7-1 The borrower declares that:
a) All the information that he presents is correct and complete and that he agrees that Citibank has the right to verify the information in any way even by investigating the work address, personal address, banks you deal with or by any other way.
b) He will inform the bank immediately if he will delay paying or violate any of the agreement terms.
c) He will inform the bank in writing about all effective circumstances on his financial status including any change of the position or any other information.

7-2 The borrower agrees that Citibank has the right to exclude –when calculating interests- the value of any entry added to the borrower’s account before settling this entry including entries withdrawn on the Bank or those settled in ordinary clearance channels.
7-3 The borrower agrees and acknowledges that Citibank records are the only proof on the due amounts or what the debtor is obliged to deliver. Hence, the borrower waives the right to dispute the validity of these records.
7-4 The payments that the borrower carries out shall occur without any setoff, counter claims, deductions or any terms except the case when the borrower is forced due to the local law to perform these deductions. In such a case, the paid amount must be increased in order to make the amount received by Citibank exactly the same amount that must be received if there had been no any deductions.
7-5 The bank reserves its right to deduct any amount added to the account and is not paid or any amounts added to the account by mistake.
7-6 The borrower assures that he does not refuse to work partially or totally whether due to a medical or accidental reason, and he did not refuse to work due to a medical reason for a period that exceeds 30 consecutive days within the past two years, and he was not hospitalized for 15 consecutive days within the past two years, and he did not receive any treatment because of heart, veins, cancer, kidney, liver, brain or lung diseases within the past two years.

8- The law that governs the Agreement and legal disputes:
8-1 all the matters that are not mentioned in the agreement are subject to the bank rules, terms, the Egyptian civil law and all the laws and decisions applicable in Egypt form time to time. Cairo Courts shall hear all cases that arise of this Agreement.
8-2 it is understood that the borrower understands and accepts the terms and conditions of this agreement, the interest and the bank schedule of fees.
8-3 the terms and conditions of opening the account/ current account or saving account apply to what is not mentioned in this agreement.

9- Jurisdiction
Cairo Courts with their different degrees shall have jurisdiction over all disputes that arise out due to executing this Agreement.

10- Other notifications
The bank will send written notifications to the borrower to the address mentioned on the loan agreement. All these notifications are effective once the borrower receives them. The notifications are deemed received by the borrower on the fourth day from issuing them.

11- Other services
11-1 the borrower may inquire about the outstanding by phone, and he may obtain this information by Citiphone (24 hour phone service)
11-2 the borrower shall inform the bank in writing of any change in his data like address, phone number, or any other information within a period of two weeks from the date of change.

12- Assignments of rights and obligations and severability
12-1 the borrower cannot assign to any third party his rights or obligations under the loan agreement without a prior approval from the bank. The bank may assign to third parties any of its rights or obligations mentioned above without prior approval from the borrower. This assignment will result in transforming to the assignee the bank rights and obligations within the limits of the assignment. The bank is discharged from all its obligations mentioned in the agreement within the limits of the assignment.
12-2 if there is any clause in the agreement that is unenforceable, it will not affect the execution of the other clauses and provisions.

13- The bank reserves the right to amend or change these terms and conditions according to its perspective from time to time

14- “Public figure” is any person occupying a position or who has lately occupied a position or seeking to have or eligible to have a senior government position in any country, state or city, or occupying a political position (such as a member in a political party) or any position in a government or a military position. The above-mentioned definition includes the bank accounts of the private business, which a public figure owns, or being a partner in. If the client is a public figure and owns or has assets or is a partner in a company with at least 20% ownership or more, he is subject to the legal responsibility of this policy.
I/we declare by opening this bank account without mentioning that I am/we are a public figure that I am/we are not a public figure.

15- Installments mentioned in clause 8 (the personal loans fees) are preliminary installments; therefore, they are subject to change due to the length of the period from the time the client signs on the loan documents and the due date of the settlement of the first installment. The installments in their final form will be clarified in details in the bank letter sent to the client. The letter will state depositing the loan amount in the client’s account, the loan amount, the installments amounts and the settlement method.

                                     The user’s agreement for Citibank Online and Alerting Services

This agreement includes clauses to determine the liability and other matters of concern to users of Citibank Online and Citibank Alert services. Therefore you are required to read carefully this agreement.
In this agreement, the term “Customer” shall mean customer of Citibank N.A. – Egypt’s Branch; “the bank” shall mean Citibank; Services shall mean Citibank alerting services; (Citi alerting: messages sent to customer on his cell phone or to his e-mail box) as well as Citibank electronic banking services (Citibank Online: banking services offered via internet).
1. Render of services
Services will be available to customer at sole discretion of the Bank and the Bank shall be entitled (at any time without a need for notification or notice or giving any reason) to totally or partially halt the service whether such halt will be final or temporarily. Services at present are available only to customers having accounts at any branches of Citibank in the Arab Republic of Egypt.
2. Alerting Messages Service (Citi Alert)
a. Short messages sent to customer’s cell phone or to his e-mail. Alerting messages are sent to the customer having a connection with cell telephone networks (GSM) or with Internet.
b. Customer declares that he is aware that his cell phone must be at On/ Reception mode in order for him to receive alerting messages. Should the customer’s cell phone be turned off or out of the service coverage area for more than 48 hours (as of the time the message transmitted by the Bank), the transmission / sending process will be automatically cancelled and customer will not be able to receive the message.
c. Citi Alert service will be temporarily suspended in the instance of failure to send alerting messages to customer’s cell phone for 10 consecutive times until customer re-activates Citi Alert service.
3. Banking Services via Internet (Citibank Online)
a. Citibank provides customers of this service a facility to perform an array of the banking transactions on their accounts at the Bank via Citibank web site on the Internet.
b. If the Customer decides to use this service, he will choose a User Name and Password. The User Name and Password will be used to ensure the customer’s digital identity on Citibank Online Service.
c. Customer confirms that he is fully aware that the use of his User Name and Password will have the same legal consequences/ effects resulting from the signing of documents, and therefore he agrees as follows:
• Commitment not to disclose his User Name and Password and to act diligently so as not to have such number disclosed to any person or through any person.




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