Home>Terms & Conditions Terms and Conditions for Citibank Online Banking and Citi Mobile Services 1. Important Information 1.1 The Customer can use Citibank Online Banking and Citi Mobile (“Online Banking and Citi Mobile”) to access the Customer’s Account and to receive message from the Bank. The Customer shall read these Terms and Conditions carefully as they govern the Customer’s use of Online Banking and Citi Mobile. The Customer shall keep them with the Customer’s important papers. Before using Citibank Online, it is important that the Customer knows the Customer’s rights and obligations so that the Customer can gain maximum benefit from the services Online Banking and Citi Mobile offers and have at the same time maximum protection for the Customer’s banking transactions. 1.2 The Customer can print out these Terms and Conditions, or download these Terms and Conditions to the Customer’s computer. 1.3 If the Customer has any questions or comments in relation to Online Banking and Citi Mobile, please call our 24-Hour Service Hotline at 400-821-1880 or 800-830-1880 (For land lines within mainland China). If the Customer is overseas, please call (+86)-(20)-3880-1267 (Personal and CitiBusiness customers) or (+86)-(21)-3896-9500 (Credit Card customers). Charges may apply to the Customer from telecommunication service providers (charging standard for such communication is formulated by the telecommunication service provider). 2. Definitions 2.1 In these Terms and Conditions unless the context requires otherwise: (a) "Access Card" means any Online Banking and Citi Mobile access card authorized by the Bank or bankcard issued by the Bank or other facilities provide by the Bank for use on the Customer’s Account. (b) "Virtual Access Card Number" means the number of an Online banking and Citi Mobile virtual access card authorized by the Bank for use on the Customer’s Account. (c) "Access Service Provider" means any Internet service provider, any commercial online service provider providing connection to the Internet in addition to its own proprietary network, or any telecommunications carrier. (d) "Account" means one account or more of the Customer’s foreign currency remittance, note savings and time deposit accounts, RMB savings and time deposit or any other accounts which may be accessed through Online Banking and Citi Mobile as may be determined by the Bank from time to time. (e) "Account Conditions" means the terms and conditions of the relevant Account which may be accessed through Online Banking and Citi Mobile. (f) "Bank" or "Bank’s" means the specific branch or sub-branch of Citibank (China) Co., Ltd. where the Customer has opened an account, or any of its successors and assigns. (g) "Business Day" means any day the Bank is open for business in China, but does not include any public holiday. (h) "China" means the People's Republic of China, for purpose of these Terms and Conditions, it does not include Hong Kong Special Administrative Zone, Macao Special Administrative Zone and Taiwan. (i) "Online Banking and Citi Mobile" means an electronic service that permits the Customer to access through the Internet the Customer’s account information, receive information and conduct transactions provided by the Bank through the use of a personal computer terminal upon correct input of the Customer’s Identifier / Card Number and Code / PIN. (j) "Code" means information: (i) the content of which is known to the Customer and any Nominee and is intended to be known only to the Customer and any Nominee or only to the Customer; (ii) which the Bank requires the Customer and any Nominee to keep secret; (iii) which the Customer and any Nominee must provide (in any manner) to or through a Device or Electronic Equipment in order to access the Customer’s Account; and (iv) includes the Customer’s PIN or password. (k) "Customer", "Customer’s" or "Customer Himself/Herself" means the person in whose name an Account is held, and includes the Customer’s Nominee where applicable. (l) "Device" means a device used with Electronic Equipment to access the Customer’s Account, for example an Access Card (or Virtual Access Card Number, as the case may be). (m) "Electronic Equipment" includes electronic terminals (such as ATM), computer, telephone, mobile phone and any other equipment used for effecting Transactions. (n) "Identifier" means information: (i) the content of which is known to the Customer and any Nominee but not only to the Customer and any Nominee and which the Customer and any Nominee are not required to keep secret; and (ii) which the Customer and any Nominee must provide (in any manner) to or through a Device or Electronic Equipment in order to access the Customer’s Account. (An Identifier may be, for example, an account number, an Access Card number (or Virtual Access Card Number, as the case may be), an Access Card expiry date (if applicable)). (o) "Nominee" means a person who is authorized to effect transactions pursuant to clause 6. (p) "Other Software Provider" means any provider of software and information accessible through Online Banking and Citi Mobile, other than the Bank or any of the Bank’s parent, subsidiary, affiliated or associated companies. (q) "PIN" means the Code in the form of the personal identification number allocated by the Bank to a Customer and can be changed online by the Customer from time to time. (r) "Renminbi" or "RMB" or "￥" means the lawful currency of the People's Republic of China. (s) "Terms and Conditions" means these Terms and Conditions governing the use of Online Banking and Citi Mobile. (t) "Transaction" means any transaction authorized by the Customer or any Nominee which is made by any of the methods, set out in clause 16. (u) "Unauthorized Transaction" means a Transaction which is made without the Customer’s or any Nominee's knowledge, consent or authorization. (v) "OTP" means One Time Password, which is generated instantly by the Bank and sent to the Customer's mobile phone number which is registered by the Customer with the Bank or generated by hardware token registered by the Customer with the Bank. 3. General 3.1 The Customer’s use of Online Banking and Citi Mobile is to be governed by these Terms and Conditions, which are to be read together with the Account Conditions for the banking Customer, or with the provisions related to the credit card (including, but not limited to credit card applications, credit card charter and agreement and so on) for the credit card Customer. Where there is any inconsistency between these Terms and Conditions and the Terms and Conditions for Account Products and Services or credit card related provisions, the latter shall prevail, to the extent of any such inconsistency. 4. Accepting Terms and Conditions 4.1 The Customer agrees that first use of Online Banking and Citi Mobile by the Customer or the Customer’s Nominee will constitute agreement by both the Customer himself/herself and the Customer’s Nominee to the Terms and Conditions. The Customer and the Customer’s Nominee agree to use Online Banking and Citi Mobile solely as provided by these Terms and Conditions. The Customer should ensure that both the Customer and the Customer’s Nominee have read and understood these Terms and Conditions. 5. Maintaining the Customer’s Accounts 5.1 The Customer agrees to properly maintain and comply with the terms and conditions governing the Customer’s Account. 6. Nominee 6.1 The Bank may (at its discretion) allow an additional person nominated by the Customer (Nominee) to effect Transactions on the Customer’s Account. 6.2 A Nominee will be authorized by the Customer to separately effect Transaction/s. Use of Online Banking and Citi Mobile to effect Transactions on the Customer’s Account by the Nominee is subject to the Terms and Conditions. 6.3 The Customer is responsible for all amounts arising from, or losses incurred by the Bank in connection with transactions being effected on the Customer’s Account by a Nominee (including any in breach of the Terms and Conditions). 6.4 The appointment of a Nominee shall continue until the Bank receives notice in writing from the Customer revoking or altering the appointment. 6.5 The Customer undertakes not to let anyone (other than the Customer’s Nominee) use Online Banking and Citi Mobile. 7. Gaining Access to and Use of Online Banking and Citi Mobile 7.1 The Customer understands that the Customer will gain access to Online Banking and Citi Mobile through the Access Service Provider in the country from where the Customer accesses Online Banking and Citi Mobile, therefore, such access will also be subject to and governed by the relevant laws and regulations of that country and any terms and conditions prescribed by that Access Service Provider. 7.2 Supply and maintenance of any equipment necessary to enable the Customer to use Online Banking and Citi Mobile (including any hardware and software) and maintenance of an account with an Access Service Provider to enable the Customer to use Online Banking and Citi Mobile, is solely the Customer’s responsibility. 7.3 The Customer must: (a) take reasonable steps to maintain the security of the Customer’s hardware and software; and (b) sign off / log off Online Banking and Citi Mobile before leaving a computer or other handheld device used to access Online Banking and Citi Mobile unattended. 7.4 In order to access Online Banking and Citi Mobile, the Customer needs to key in (when prompted): (a) the Customer’s Identifier / Card Number; and (b) the Customer’s Code / PIN. 7.5 For the transaction security purpose, Customer acknowledges and accepts that the Bank shall be entitled to requests the Customer to use the OTP to access the Bank’s services and conduct the transactions in Online Banking and Citi Mobile. 7.6 The Bank may suspend or terminate the Customer’s or any Nominee's use of Online Banking and Citi Mobile if the Bank reasonably believes that: (a) it was induced by fraud or misrepresentation by the Customer (or any other person) to grant use of Online Banking and Citi Mobile or issue an Access Card (or Virtual Access Card Number, as the case may be) or other Identifier; (b) there has been fraud or misrepresentation with respect to the operation of an Account; or (c) the continued use of Online Banking and Citi Mobile or an Access Card or the Customer’s Account may cause a loss either to the Bank, the Customer himself/herself or a Nominee or will cause the Bank to breach any applicable law. 8. Canceling Online Banking and Citi Mobile Service 8.1 The Customer understands that the Customer has to come to the Bank in person with the Customer’s valid identification documents to apply if the Customer wishes to cancel his/her “Online Banking and Citi Mobile” service. As Citi Mobile is an extension of Citibank Online in terms of channel, customer's cancellation will be applied to both Citibank Online and Citi Mobile at the same time, application to cancel one of the two service is not accepted. 9. The Customer’s Privacy 9.1 The Bank will use the Customer’s personal information for the purpose of providing the Customer with Online Banking and Citi Mobile services. The Customer’s personal information may be disclosed to organizations that assist the Bank with the provision of these services. For further information on the Bank's privacy policies, the Customer can: (a) refer to the relevant Account Conditions; or (b) click on the Privacy link of the Online Banking website www.citibank.com.cn; and Citi Mobile website mobile.citibank.com.cn. 9.2 The Customer may suspend or terminate a specific service item of the Online Banking and Citi Mobile service by logging on to the Bank site and disabling the relevant service item or contacting a CitiPhone operator and requesting this to be done on the Customer’s behalf. (a) the Customer’s Identifier / Card Number; and (b) the Customer’s Code / PIN. 9.3 The Bank may monitor Transactions and the Customer’s use of Online Banking and Citi Mobile for quality control purposes including for the prevention of fraud. 9.4 The Bank may disclose and/or grant access to any and all information relating to the Customer and the Customer’s Account to the supervisory authorities inside the People's Republic of China, such as the People's Bank of China, China Banking Regulatory Committee and the State Administration of Foreign Exchange and their successors, and to the supervisory authorities outside the People's Republic of China where the Customer and the Customer’s Nominee are located according to the laws and regulations of the respective jurisdictions governing disclosure of account information to which the Bank may be subject. 10. Protecting the Customer’s Account 10.1 The Customer’s role is extremely important in the prevention of any unauthorized access to the Customer’s Account through Online Banking and Citi Mobile. If the Customer discovers any Unauthorized Transactions, the Customer must immediately call a CitiPhone operator via our 24-Hour Service Hotline at 400-821-1880 or 800-830-1880 (For land lines within mainland China). If the Customer is overseas, please call (+86)-(20)-3880-1267 (Personal and CitiBusiness customers) or (+86)-(21)-3896-9500 (Credit Card customers). Charges may apply to the Customer from telecommunication service providers (charging standard for such communication is formulated by the telecommunication service provider). 11. Securing the Customer’s Access Card (or Virtual Access       Card Number, as the case may be) and Code/PIN 11.1 The security of the Access Card (or Virtual Access Card Number, as the case may be) and Code is very important. If the Customer or any Nominee issued with an Access Card (or Virtual Access Card Number, as the case may be) fails to observe these security requirements the Customer may incur increased liability for any Unauthorized Transactions (see clause 22). 11.2 The Customer and any Nominee issued with an Access Card (or Virtual Access Card Number, as the case may be) must: (a) If the Customer applies for Online Banking and Citi Mobile Services at the same tine when the Customer is completing the formalities for opening an account and if the Bank issues an Access Card, upon the Bank’s request, sign the strip on the reverse side of the Access Card immediately upon receiving it; (b) not tell anyone including family members or friends the Customer’s respective Virtual Access Card Number or Codes; (e) take reasonable steps to protect the Customer’s Access Card (or Virtual Access Card Number, as the case may be) or Code from loss or theft; and (f) immediately destroy any expired Access Card by cutting it diagonally in half. (d) use care to prevent anyone else seeing the Customer’s Code being entered into an Electronic Equipment or overhearing the Customer’s Code; 11.3 It is recommended that the Customer and any Nominee issued with an Access Card (or Virtual Access Card Number, as the case may be) memorize the Customer’s respective Codes and then destroy any record of them. The Customer and any Nominee MUST NOT: (a) choose a Code which is clearly identified with the Customer or any Nominee (such as birth date, phone number, postcode or car registration number) or which represents a recognizable part of the Customer’s or any Nominee's name; (b) choose a Code which has an easily retrieved combination (such as repeated or consecutive numbers or letters e.g. 1111, 1234, BBBB or BCDE); (c) write or in any way indicate the Customer’s Code on the Customer’s Access Card (if applicable) even if disguised; or (d) keep a record of the Customer’s Code (without making a reasonable attempt to disguise the Code) on any item normally carried with or stored with the Customer’s Access Card (or Virtual Access Card Number, as the case may be) or Identifier, or liable to loss or theft at the same time with the Access Card (or Virtual Access Card Number, as the case may be) or Identifier. 11.4 The following are examples of what is NOT a reasonable attempt to disguise a Code: (a) recording the Code as a telephone number where no other numbers are recorded; (b) recording the Code amongst other numbers or letters with any of them marked to indicate the Code; (c) recording the Code in reverse order; (d) recording the Code as a telephone number or name with the Code in its correct sequence; (e) recording the Code disguised as a date or an amount; or (f) recording the Code in an easily understood form. 11.5 It is strongly recommended that the Customer and any Nominee should not carry the Customer’s respective Codes with the Customer’s respective Access Cards (or Virtual Access Card Number, as the case may be) or Identifiers or record the Customer’s respective Codes elsewhere even if they have been disguised. 11.6 The Customer shall keep his/her mobile phone which the OTP will be sent to (hereinafter the “Registered Mobile Phone”) appropriately. When the Customer updates the Registered Mobile Phone number, the Customer shall register the updated phone number with the Bank by calling Bank’s 24-hour hotline or getting access to Online Banking or visiting the branches. 12. Lost or Stolen Access Card (or Virtual Access Card        Number, as the case may be) or Code/ PIN and        Unauthorized Transactions 12.1 When the following situations occur, the Customer or any Nominee must notify the Bank immediately and provide all information as required. Please contact the Bank’s staff via our 24-Hour Service Hotline at 400-821-1880 or 800-830-1880 (For land lines within mainland China). If the Customer is overseas, please call (+86)-(20)-3880-1267 (Personal and CitiBusiness customers) or (+86)-(21)-3896-9500 (Credit Card customers). Charges may apply to the Customer from telecommunication service providers (charging standard for such communication is formulated by the telecommunication service provider). (a) an Access Card (or Virtual Access Card Number, as the case may be) is lost, stolen or be disclosed to other person; (b) a Code is lost, stolen or disclosed to someone else; (c) a Registered Mobile Phone is lost, stolen or provided to someone else; or (d) The Customer or any Nominee suspects that: (i) a Code is lost, stolen or has become known by someone else; (ii) which the Bank requires the Customer and any Nominee to keep secret; (iii) the Customer’s respective Access Card (or any expired Access Card) (or Virtual Access Card Number, as the case may be), Identifier or Code and OTP has been used to effect an Unauthorized Transaction or has otherwise been misused. 12.2 Upon receipt of notification the Bank will cancel the Access Card (or Virtual Access Card Number, as the case may be) and/or Code, and/or Registered Mobile Phone number and may cancel the Identifier. The Bank will provide the caller with a notification number. A cancelled Access Card (or Virtual Access Card Number, as the case may be) (even if the Access Card (or Virtual Access Card Number, as the case may be) is subsequently found) and/or Code or Identifier or Registered Mobile Phone number should not be used again. 13. Service Availability 13.1 Online Banking and Citi Mobile is available 24 hours a day, 7 days a week. However, some or all of the banking services that may be accessed through Online Banking and Citi Mobile may not be available at certain times due to the maintenance, non-use or malfunction of Online Banking and Citi Mobile. In the event of such unavailability, the Customer can call our 24-Hour Service Hotline at 400-821-1880 or 800-830-1880 (For land lines within mainland China), visit the Bank’s branches or an ATM to conduct the Customer’s banking transactions. If the Customer is overseas, please call (+86)-(20)-3880-1267 (Personal and CitiBusiness customers) or (+86)-(21)-3896-9500 (Credit Card customers). 14. Customer Service 14.1 If the Customer need any assistance with Online Banking and Citi Mobile, the Customer can contact our CitiPhone staff via our 24-Hour Service Hotline at 400-821-1880 or 800-830-1880 (For land lines within mainland China). If the Customer is overseas, please call (+86)-(20)-3880-1267 (Personal and CitiBusiness customers) or (+86)-(21)-3896-9500 (Credit Card customers). The 24-hour hotlines of CitiPhone and Citibank credit card are available 24 hours a day, 7 days a week. 15. Use of Electronic Mail 15.1 The Customer may request general information concerning the Bank or any Citigroup company by sending electronic messages through the Bank’s main homepage. However, the Customer cannot use electronic messages to initiate or conduct banking transactions on the Customer’s Account. For banking transactions, please use the appropriate functions within Online Banking and Citi Mobile. For banking transactions, please use the appropriate functions within Online Banking and Citi Mobile. The Customer can also call our 24-Hour Service Hotline at 400-821-1880 or 800-830-1880 (For land lines within mainland China), visit the Bank’s branches or an ATM to conduct the Customer’s banking transactions. If the Customer is overseas, please call (+86)-(20)-3880-1267 (Personal and CitiBusiness customers) or (+86)-(21)-3896-9500 (Credit Card customers). 16. Online Banking and Citi Mobile Services 16.1 Online Banking and Citi Mobile enables the Customer to have direct access to the Customer’s Account and to effect a number of banking services including: (a) obtain account balances and transaction history; (b) obtain/enroll/cancel Electronic statement (applicable to Online Banking only); (c) obtain information from the personalized page (applicable to Online Banking only); (d) online fund transfer and payment; (e) global view account information (applicable to Online Banking only); (f) Citibank alert services. Customer agrees to pay the service fee according to the Bank’s fee standard effective then. 16.2 Online Banking and Citi Mobile enables the Customer to have direct access to the Customer’s Account and to effect a number of credit card services including: (a) obtain credit card limit and balances and transaction history; (b) obtain/enroll/cancel Electronic statement (applicable to Online Banking only); (c) transaction easy payment plan booking and inquiry (applicable to Online Banking only); (d) statement installment application (applicable to Online Banking only); (e) Citi rewards, miles inquiry and redemption (applicable to Online Banking only); (f) Citibank alert services. New services may be added from time to time, please get the latest information about the service and transaction scope of Online Banking and Citi Mobile from Citibank website: www.citibank.com.cn and Citi Mobile website mobile.citibank.com.cn. 16.3 According to regulatory requirement, the Bank will set transaction limit for fund transfer transactions. The Customer should refer to the disclaimers when the Customer conducts transactions. 17. Currency of Information 17.1 Information available through Online Banking and Citi Mobile concerning balances on Accounts may not always be completely up to date, although in most cases should at least reflect the transactions and balances of the Account up to the close of business on the previous Business Day. 18. Errors, Questions or Complaints 18.1 The Customer should telephone the Bank if the Customer has a complaint or believe that an error has occurred in relation to the Customer’s Account. 18.2 The Customer must then provide written notice to the Bank with sufficient details to enable the Bank to investigate the enquiry. The notice shall include the following information: (a) the Customer’s name, address and number of the Customer’s Account; (b) details of the complaint or error; and (c) any other information requested by the Bank. 18.3 The Customer must comply with reasonable request by the Bank for further information. 18.4 Where an enquiry is not settled to the Customer’s satisfaction, the Bank will advise the Customer in writing of the procedures for the investigation and resolution of the dispute. 19. Proprietary Rights in Online Banking and Citi Mobile 19.1 The Customer acknowledges that all proprietary rights (including without limitation title, patent rights and copyright) in Online Banking and Citi Mobile (including without limitation the Online Banking and Citi Mobile Internet site) shall at all times vest and remain vested in the Bank. 20. No Warranty for the Accuracy of Third Party Information 20.1 Where the Bank provide the Customer through Online Banking and Citi Mobile with any information which the Bank obtains from any third party, the Customer acknowledges and agrees that the Bank does not warrant the accuracy or completeness of any such third party information. 21. Reliance on the Customer’s Instructions 21.1 The Bank is entitled to presume, unless proved to the contrary, that the Customer has given any instructions including the Customer’s Identifier (including Card Number), Code (including PIN) and OTP, and that they are valid and binding on the Customer. 21.2 The Customer acknowledges and accepts that: (a) the Bank cannot verify by way of signature comparison whether the user of the Customer’s respective Identifiers, Codes and OTP is the Customer or the Customer’s Nominee; and (b) the Customer’s Identifier, Code and OTP allow anybody correctly using them to conduct the type of operations on Accounts for which Online Banking and Citi Mobile provides access. 22. Liability for Unauthorized Transactions 22.1 The Customer or the Customer’s Nominee shall be liable for an Unauthorized Transaction which is resulted from any of the following activities of the Customer or the Customer’s Nominee (including but not limited to): (a) voluntarily disclosing the Code; (b) indicating the Code on the Access Card or Virtual Access Card Number; (c) having the OTP and/or the Registered Mobile Phone lost or stolen and/or voluntarily providing the OTP and/or Registered Mobile Phone to anyone else; (d) keeping a record of the Code (without making any reasonable attempt to disguise the Code) with any article carried with the Access Card (or Virtual Access Card Number, as the case may be) or Identifier; or (e) losing or being stolen at the same time with the Access Card (or Virtual Access Card Number, as the case may be) or Identifier. 23. Limit of the Bank’s Liability 23.1 Subject to Clause 23.2, while the Bank undertakes to make reasonable efforts to ensure full performance of Online Banking and Citi Mobile, neither the Bank nor any of the Bank’s parent, subsidiary, affiliated or associated companies are liable to the Customer for any loss or liability of any kind caused by any delay or failure of Online Banking and Citi Mobile to provide information by reason of or in connection with: (a) any malfunctions of personal computer terminal, related facilities, mobile phones and other handheld devices, or other software or hardware belonging to or operated by the Customer and/or the Customer’s Nominee; (b) any failure or delay caused by browser software, computer virus or related problems attributable to services provided by any Access Service Provider or Other Software Providers; (c) the Customer’s access and/or use of Online Banking and Citi Mobile being prohibited, restricted, delayed or affected by: (i) the laws and regulations of the country from where the Customer accesses Citibank Online and/or the terms and conditions prescribed by the relevant Access Service Provider in such country of access; or (ii) any act or omission by the Access Service Provider; (d) The Customer relying or acting or failing to act upon any third party information provided by the Bank through Online Banking and Citi Mobile; (e) any delay or failure in any transmission or communication facilities out of the Bank’s reasonable control, but except such delay or failure is directly caused by intentional misconduct or gross negligence of the Bank or any of the Bank’s parent, subsidiary, affiliated or associated companies ; or (f) any other event beyond the Bank’s reasonable control including (but not limited to) situations where the failure or delay is due to restrictions on convertibility or transferability, government requisitions, involuntary transfers, acts of war, civil strife, flood, fire or any other similar causes. 23.2 If the Bank’s Electronic Equipment or the Bank’s electronic system malfunctions, the Bank shall, at its best efforts, take reasonable measures to correct the following errors and prevent further losses: (a) the failure or malfunction is caused by the Customer’s act or omission or the act or omission of any Nominee; or (b) The Customer or any Nominee should have been aware that the Bank’s Electronic Equipment or the Bank’s electronic system was unavailable for use or was malfunctioning. 24. The Customer’s Indemnity 24.1 The Customer will be liable for and indemnify the Bank against any loss or damage which the Bank will or may incur because the Customer or the Customer’s Nominee did not observe the Customer’s obligations under these Terms and Conditions or acted negligently or fraudulently when using Online Banking and Citi Mobile. 25. Use of Online Banking and Citi Mobile outside China 25.1 The use of Online Banking and Citi Mobile outside China is subject to: (a) exchange control regulations of the People's Bank of China, China Banking Regulatory Committee or the State Administration of Foreign Exchange (as may be applicable) or any fiscal or exchange control requirements operating in the country where the transaction is effected or requested; and (b) the laws and regulations of China and the country where the transaction is effected or requested. 26. Certificate 26.1 A certificate signed by an officer of the Bank: (a) stating any liability to the Bank will be primary evidence of the amount of the Customer’s liability at the date of the certificate, provided that the Customer will remain liable for Transactions which the Bank has not been notified of at that date; or (b) exhibiting microfilm copies of documents, computer print-outs or other documents or records kept in the normal course of the Bank business which relate to the Customer’s Account or to any application for the Customer’s Account, will be primary evidence of the facts contained therein. 27. How Does the Bank Deliver Notices to the Customer 27.1 All notices and other communication which concern Online Banking and Citi Mobile or the Terms and Conditions shall be in writing. The Bank may give the Customer a notice either by: (a) prepaid post to the address last notified. The notice shall be deemed to have been received when it would be received in the ordinary course of the post; (b) personally serving the notice at the address last notified; (c) subject to receiving the Customer’s prior specific consent, delivering it to the Customer by an electronic message to the Customer’s latest e-mail address recorded in which case the notice shall be deemed to have been received immediately; (d) transmitting the notice to the last notified facsimile number. The notice shall be deemed to have been received if the transmission slip records that it was transmitted to that number. (e) sending the notice to ‘My Mail Box’ in Customer’s Online Banking. The notice shall be deemed to have been received by the Customer once delivered successfully; (f) publishing the notice on Online Banking (www.citibank.com.cn) for 30 days. The notice shall be deemed to have been received by the Customer after the expiration of the 30 days’ term. 28. How Does the Customer Deliver Notices to the Bank 28.1 All notices to the Bank concerning Online Banking and Citi Mobile or the Terms and Conditions shall be in writing, signed by the Customer or the Customer’s duly authorized person and sent to the Bank at the following address or in such other way as the Bank may advise from time to time: Citibank (China) Co., Ltd. Customer Care Unit P.O.Box: Shanghai 120-080 Customer Care Unit. 28.2 General queries in relation to Online Banking and Citi Mobile may be made via the following email address:consumer.china@citi.com. General queries in relation to credit card may be made via the following email address: china.creditcard@citi.com or by filling and submitting “Contact Us” form online. 29. Fees and Charges 29.1 There are currently no service charges or transaction fees for using Online Banking and Citi Mobile. However, the Customer remains liable to pay any fees and charges payable to the Bank in accordance with the Terms and Conditions for Account Products and Services. Information on current interest rates and fees and charges is available on request. 29.2 Items and fees for Online Banking and Citi Mobile will be charged according to the Bank’s fee table effective then. 29.3 The Customer shall pay for all telephone charges incurred in connecting Online Banking and Citi Mobile and any charges from mobile service provider incurred for accessing Internet. The Customer shall also pay for any fees and charges imposed by any Access Service Provider. 29.4 The Bank reserves the right to charge the Customer for any national, provisional or municipal government charges, stamp duties or taxes payable as a result of the use of Online Banking and Citi Mobile. Subject to the Terms and Conditions for Account Products and Services, any such government charges, stamp duties and taxes shall be the Customer’s responsibility and the Bank shall debit such charges to the relevant Account if required by law or government. 29.5 There may be separate charges for additional services the Customer requests on Online Banking and Citi Mobile, for example, services of Other Software Providers. 30. Changes in Terms and Conditions 30.1 The Bank reserves the right change or revise any term hereof from time to time. If the Bank changes or revises these Terms and Conditions, the Bank will notify the Customer. If the Customer fails to request cancellation of Online Banking or Citi Mobile within 30 days after receipt of such notification, it will be deemed that the Customer has consented to and accepted such revised Terms and Conditions and in such circumstance, the Bank is not required to receive the signed acknowledgement from the Customer. 31. Severability 31.1 In the event any or more of the provisions of the Terms and Conditions is for any reason held to be invalid, illegal or unenforceable, the remaining provisions will remain valid and enforceable. 32. Entire Agreement 32.1 The Terms and Conditions constitute the entire understanding between the Bank and the Customer relating to Online Banking and Citi Mobile and supersede all proposals, prior arrangements, oral or written and any other communications between the Bank and the Customer in relation to Online Banking and Citi Mobile. 33. Assignment 33.1 The Bank may at any time assign or transfer any of its rights and/or obligations under these Terms and Conditions to any other entity/person by giving a notice of the assignment or transfer to the Customer. The Customer agrees that the notice of assignment or transfer may be in any written form at the sole discretion of the Bank and no consent or approval from the Customer is required for such assignment or transfer.These Terms and Conditions will continue to be effective against the Customer, and the Customer agrees to be bound and continue to be bound by these Terms and Conditions notwithstanding such assignment or transfer. The Customer may not assign or transfer any of its rights and/or obligations hereunder to any other entity/person without the Bank’s written approval. 34. Governing Law 34.1 These Terms and Conditions shall be governed by and construed in accordance with the laws of the People's Republic of China. The Bank and the Customer expressly agree to submit any dispute arising out of or relating to these Terms and Conditions to the jurisdiction of the courts of Shanghai, China. Any issue relating to any Account or service which the Customer accesses through Online Banking and Citi Mobile shall be governed by the law(s) specified in the agreement for that Account or service. 35. Language 35.1 These Terms and Conditions are written in both Chinese and English. In case of discrepancies, the Chinese version shall prevail. 36. Risk Disclosure Self Service Fund Transfer function will be opened simultaneously after the customer activates e-Banking services (including Phone Banking, Online Banking and Citi Mobile) Customer using e-Banking services shall acknowledge the risks and be willing to take the risks associated with the transactions conducted via e-Banking services. Customer is responsible for safe keeping his/her computer, mobile phone, other related devices and e- Banking related information appropriately (including online user ID & password; Debit Card & Password, OTP and the account number). Customer shall be liable for all transactions conducted through the e-banking channels accessed by using the above e-banking information. For more Internet Security Notice, please log on Citibank Online www.citibank.com.cn to view details.