• Full liability for all transactions performed by use of his User Name and Password whether such transactions are carried out with or without his knowledge. In the instance of loss or theft of the User Name and Password or of its disclosure to any other party, customer shall be held liable for any unlicensed transactions performed until the Bank (premises) has received a written notification to this effect by the customer of the loss / theft of the User Name and Password.
• Under no event the Bank shall be held liable for any fraudulent or unlicensed use via Internet of the customer’s User Name and Password
• The Bank reserves its right to refuse processing / carrying out any transaction on customer’s accounts if the Bank finds out at its sole discretion that the User Name and Password has been misused or being used in unlicensed purposes. The Bank’s decision is not subject to negotiation or contention/disputation.
• Customer shall be solely liable for maintaining his cell phone, e- mail, and passwords of his equipment.
4. By virtue of this agreement and upon the customer’s request and / or according to the Bank‘s choice, the Bank has agreed to provide customer with banking transaction services / credit cards through Citibank electronic banking services and Citi Alerting messages services. Therefore, customer agrees that the instructions issued electronically by him through Citibank Online Service will have the same legal consequences/ effects of the instructions issued in writing by him.
5. Services shall cover all customer’s accounts such as saving accounts, current accounts, deposits, loans, credit cards and other existing accounts or accounts to be opened in the future by customer at Citibank within the best efforts available at the Bank and at its sole discretion.
6. Costs resulting from using the Internet, telephone line, and cell phone will be borne only by the customer without any liability on the part of the Bank.
7. In the instance of a joint account and as per the customer’s request as a supplementary service, the Bank will agree to make available the banking services via internet to all parties of the joint account as well as to the authorized signatories; provided, however, any instructions issued by any party of the joint account and / or by any authorized signatory shall be binding to other parties of the account and that the Bank shall act accordingly without any liability on its part.
8. Citibank Online Service will be offered free of charge, whereas Citibank Alerting Service will be offered against specific subscription fees according to the prices posted by the Bank. The Bank is entitled at its sole discretion to charge new fees or to amend the existing fees (whether to increase or decrease it) provided that the customer shall be notified of such amendment prior to application thereof. Fees will be deducted / debited from the account specified by customer or from any other accounts customer has at the Bank.
9. The Bank reserves its right in performing any amendment regarding the service specifications without a need to notify customer thereof; and customer shall be responsible for the specifications available which will be posted on the Bank’s website in Internet.
10. The Bank shall confirm its receipt of any instructions sent by customer on the best efforts basis and as promptly as possible. However, the Bank shall not be responsible for any delay that takes place in confirming receipt or not confirming receipt of such information / instructions.
11. The Bank may (at any time and without giving any reasons) partially or totally discontinue / halt the provision of the service whether such halt will be temporarily or permanently. Customer may discontinue at any time the use of such service and is to notify the Bank thereof in order for the Bank to discontinue deduction of the related fees from customer’s account.
12. Customer agrees that all data, instructions, and alerting will be sent to / or stored/ saved at different sites and that such data, instructions and alerting will be accessed by the employees of Bank or its branches or affiliated or subsidiary or related companies. The Bank is authorized to provide the cell phone and Internet service providers with any data or particulars related to customer or to his accounts when deemed necessary for enforcing any of the instructions or alerts.
13. The customer confirms that he is fully aware and cognizant that services subject of this agreement depend on infrastructure, communications, cell phone and Internet services and that such services are subject to the influence of many factors which include (among other things) the aerial and natural factors. Accordingly, the Bank shall not be liable for any disorder in the services resulting from a third party or from reasons beyond the Bank’s control; and shall not also be responsible for not providing /sending or for a delay of alerting, messages, or errors or loss or for any alteration /misrepresentation in conveying the alerting / messages / instructions to the customer via alerting services or the electronic banking services network.
14. Liability
The Bank shall not be held liable in any of the following instances:
a) Any failure or error or delay in implementing all or some of the customer’s instructions for reasons attributed to the customer or beyond the control of the Bank.
b) Unlicensed access by any person to the customer’s cell phone or e-mail or obtainment of the customer’s User Name and Password by any person; or any fraudulent act or double standards or fallacious data provided by customer while using the services.
c) Loss of any data, instructions or messages during electronic sending.
d) Any dispute arising out between the customer and any of the cell phone or Internet service providers.
15. Indemnity
Should any harm resulting from inappropriate or fraudulent use of the services by customer be occurred to a third party or to customer or to the Bank, the customer shall be solely liable for such harm from the civil and criminal aspects. Consequently, customer agrees to keep the Bank harmless against any damage, claims, processes, damages, expenses, payments, or cost whatsoever the type of which may be incurred and borne by the Bank at any time as result of the Bank’s bona fide acts according to the customer’s instructions or based on any false instructions or transactions by the customer or a third party that obtained the customer’s User Name and Password by any manner whatsoever.
16. Confidentiality of Data
Citibank confirms that it will not disclose any personal information given by the customer to any natural or artificial person of a third party unless Citibank has obtained a written approval by the customer to this effect and the customer agrees explicitly to exclude from the provisions of this article the instance whereby (such disclosure) is imposed on the Bank by virtue of a judicial order or ruling or any governmental decree or act complying with the provisions of the Egyptian law and also the instances of information sharing for inquiry purposes and / or within the framework of cooperation between Citibank and its Parent Companies and affiliated and subsidiary thereof (Citigroup). Citibank will send customer from time to time special promotional offers via mail/ e-mail or short messages without transgressing confidentiality rules of the account.
17. The Bank reserves the right to amend at its sole discretion the terms and conditions set forth herein at any time and in the event of amendment the Bank shall not be obliged to notify the customer thereof should such amendment be posted to all Bank’s customers via an appropriate method as deemed proper by the Bank.
18. All terms and conditions set forth in this agreement shall be subject to and construed according to the provisions of laws applicable in Arab Republic of Egypt. Only Egyptian courts shall have the jurisdiction (according to the respective jurisdiction rules) to examine any dispute in connection with the interpretation or application of the provisions of this agreement.
19. Customer may change his data recorded by the Bank by calling CitiPhone Service (24 hours a day) on the following numbers: Cairo 7964646 - Alexandria: 4842484.
20. Receipt of such agreement shall be construed as an acceptance by the customer to subscribe in the following services: Citibank Online and Citibank Alert. Such receipt shall also be deemed as an explicit acceptance having its legal effect as stipulated in the (related) terms and conditions by customer. Customer may cancel any of such services by filling out the form set forth below and returning the agreement to one of the Bank’s branches.

Services Cancellation Form

Service to be cancelled:
………………… ..…………………..……………………………………..…………………..
Name of the customer:
………………… ..…………………..……………………………………..…………………..
Account Number:
………………… ..…………………..……………………………………..…………………..
Customer’s Signature:
………………… ..…………………..………………………………

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