Switch to Revolving PaymentSwitch to Card Loan

You can switch your shopping transactions from one lump-sum to Revolving Payment (shopping) or cash advance transactions to Card Loan after using your credit card. How to Change Choose the transactions to switch Revolving Payment or Card Loan
On Internet By phone

www.citibank.co.jp/card
365days / 247

After signing on to Citi Cards Online, you can choose your transactions that you would like to switch to Revolving Payment / Card Loan, while checking your statement.

0120-003-081

Transactions assigned with Revo Numbers can be changed into Revolving Payment or Card Loan. (the service is applicable only to members on table A or B)

Please specify transactions that you would like to switch to Revolving Payment / Card Loan from "Revo Number" indicated on your statement.

Applications accepted after 22:00 are processed on the next business day. Note that the applications on Saturday, Sunday, and holiday are accepted on the next business day, and the result can be checked after 9:00 on the next accepted day. Once received, requests cannot be cancelled. Only one lump-sum payment is accepted if no credit line for Revolving Payment or Card Loan has been set, or if request amount exceeds the credit line.This service may not be available, depending on your status of card use or payment history. This service can be used only to the transactions which Citi Card has received. "Switch to Revolving Payment" or "Switch to Card Loan" is not applicable to canceled transactions. If you change by mistake, please contact Call Center immediately as the cancellation or correction of the amount is not reected to Revolving Payment / Card Loan.

Closing Date
The closing date of applications is the 17th* 1 of every month. However, customers corresponding to table A or B below are able to make applications till the dates below.

Revolving Payment received after Closing Date17th day of each month shall not be reected on the statement. Also, Revolving Payment starts on the Payment Date of the month after next.

Direct Debit Account A Citibank

Mitsubishi Tokyo UFJ Bank, 8 business days before B Sumitomo Mitsui Bank, the payment date Mizuho Bank etc.*2

complete Application Closing Date Please your request process 4 business days before by 18:00 on the Closing Day. the payment date The Closing time may vary, depending on when our night time system maintenance job starts.

How to Calculate Revolving Payment Interest Fee Fees / Date of Payment: The fee does not accrue from the date of the transaction until the rst Closing Date. The fee is applied on a daily pro-rata basis to the balance of revolving payments from the day after Closing Date (17th) until the next Closing Date. The fee is added to the principal and comes due on the 10th of month the 8th for some financial institutions). How to calculate fees: If you use revolving payment on September 5, the fee is charged as follows. Sept 5 Sep 17 Sept 18 Oct 10 Oct 17 Nov 10 9/18 10/9 10/10 10/17 (Date of use (Closing Date) Balance of use a Principal amount payable b Balance of use c = a b a No. of days c No. of day Y + Z annual rate 365* *366 in the case of a leap year

*1 If the Closing Date is Saturday, Sunday or holiday, please see "Payment" section. *2 Please check our website for the list of banks.

Cash Advance ServicesCard Loan

Cash Advance Service
Repayment Principal is payable in one lump-sum and interests in two installments. All principal of cash advances until every 17th(Closing Date) is payable on the Payment Date of the following month (8th or 10th of every month) as one lump-sum payment. The monthly interests on the Balance of Use from the date of cash advance until the rst Closing Date are payable on the Payment Date of the following month (Interest A in the illustration below). The interests on the Balance from the date after the Closing Date until the day preceding the Payment Date are payable on 8th or 10th of the month after the next (Interest B).

Card Loan
Repayment Methods Fixed Amount Plan (Fixed Principal Amount with / without Bonus Payment)Variable Amount Plan (Balance-linked Method) How to Calculate interest Outstanding Loan Balance Loan rate Number of days elapsed 365* Repayment courses and principle Fixed Amount Plan (Method of Fixed Principal Amount) The amount for each repayment is JPY20,000Variable Amount Plan (Balance-linked Method) Repayment vary depending on Repayment Period / Times Period and number of repayment(s) of principal and interest vary according to loan balance and repayment method. Repayment ExamplesFixed Amount plan (Method of Fixed Principal Amount): When the loan amount is JPY100,000 and the principal amount for each repayment is JPY20,000, repayment is made in 6 times over 6 months.Fixed Amount Plan (concurrent with payment at bonus time): When the loan amount is JPY500,000, the principal amount for each repayment is JPY20,000, and the principal amount for bonus-time repayment is JPY10,000, repayment is made in 24 times over 24 months. Variable Amount Plan (Balance-linked Method): When the loan amount is JPY50,000, repayment is made in 35 times over 35 months. (Principal repayment varies depending on balance of loan)

Repayment exampleUsed cash advance service on Sept 5. Payment Date is on 10th. Sept 5 Sept 17 18 Oct 9 10 Nov 10 Closing Date Payment Date Payment Date
A A 5th17th B B 18th 9th

Principal+Interest A

Interest B

Interest Calculation: Amount of new lending x loan rate x number of days of lending 365*. *The loan period starts on the date of transaction and ends on the day preceding the Payment Date. Repayment Period / Number: 5087 days (depending on calender) / 2times (1 for principal, 2 for interests)

Common conditions to cash advance and card loan services

Late Charge:14.6% per annum Collateral/Surety:Not required Early repayment can be made for cash advance and card loan based on our terms. Please contact our call center for details. *366 days for leap years

Payment

If the closing day is Saturday, Sunday or holiday, it moves to the previous business day. However, interest and fees accrue until the day before the next business day of the closing day. If the payment date is a bank holiday, the payment should be made on the next business day. Transaction data on the closing day may be processed on the next business day depending on the time of arrival of the data to us and used for the calculation of the billing amount on the next closing day.

Amounts charged in overseas shopping transactions are converted to yen when the transaction data reaches the settlement center from our overseas aliate organizations. The exchange rates are set by the aliate organizations. Our administrative expense charges are added as follows: Platinum / Gold Card / Elite / Rewards World Card : 2% and Classic Card / Rewards Card / Cash Back Card : 2.5%.

Overseas Transactions

0120-003-081

Call Center

We are available 24/7.

Please follow the audio guidance.

Please be careful to misdialing.

045-330-6900 for mobile, PHS, IP phone calls 81-45-330-6900 from overseas

* Some menu items require (16-digit) card number and (4-digit) telephone PIN. When you call us, please have your card number and telephone PIN available. * If you are not sure about your later, you can ask an operator for sending your PIN/telephone PIN by postal mail.

The designated conict solving organization with which CCJ has concluded a contract relating to money lending operation Name : Center for Consulting Money Lending Business Related Matters / Solving Conicts, Japan Financial Service Association Address : Takanawa 3-19-15, Minato-ku, Tokyo, Postal Code 108-0074 Telephone Number : 03-5739-3861

If your registered address changed, please contact Call Center promptly. If you fail to do so,

Citi Cards Japan, Inc. Citigourp Center, 3-14, Higashi-shinagawa 2-Chome, Shinagawa-ku, Tokyo, 140-8639 3 01376 003077 12C-2014-201210