WORLD ELITE^® MASTERCARD - TERMS AND CONDITIONS (APMEA)

To take advantage of any World Elite^® travel benefits described here, unless otherwise stated, cardmember must book through Carlson Wagonlit Travel, MasterCard's designated travel agent for MasterCard Travel Services and must reserve and pay in full for reservations, including deposit and final payment, with a valid Citi Prestige MasterCard. All benefit travel must commence by December 31, 2014 unless otherwise noted. All benefits and offers are subject to availability and are subject to change or cancellation without notice. Multiple World Elite travel benefits provided by MasterCard Travel Services may be booked, but such benefits may not be combinable with a travel service provider's other offers. Benefits may generally be redeemed multiple times, subject to specific travel service provider limitations, or unless limits are noted, and are valid on new bookings only.

If a booking is made through CWT with a Supplier that is not participating in the World Elite benefits program, then CWT will offer rates negotiated by CWT and/or those available to CWT in the Global Distribution System. If within twenty-four (24) hours of a cardmember's original reservation through CWT with a Supplier that is not participating in the World Elite benefits program, and before actual travel date, cardmember notifies CWT of a lower publicly-available rate that meets the exact booking criteria for the same Supplier, then CWT will contact the applicable Supplier (including hotel, cruise line, car rental, tour company, airline or other) in an attempt to procure that same lower rate for the cardmember, or, alternatively, the cardmember will be allowed to cancel his or her reservation, provided the cardmember was not informed at the time of booking that the reservation was non-refundable.

Cardmembers acknowledge that, with respect to airfares booked in some jurisdictions, cardmembers may not be allowed to cancel a reservation after twenty-four (24) hours have elapsed from original reservation. For purposes of the foregoing, discount or negotiated rates not available to the general public, such as closed memberships, auction sites, phone only rates and same day mobile only rates are not considered publicly available rates. Blackout dates and additional terms, conditions and restrictions may apply. Specific travel benefits are not available for certain card programs. Please visit www.mastercard.com/citiprestige or contact one of our travel advisors for additional program details and terms and conditions. Airline booking and other fees may apply. Carlson Wagonlit Travel, MasterCard, Citi, and travel service providers are not responsible for printing or typographical errors. Travel related services are provided by or through one or more travel service providers and such travel service providers and benefits, as well as the terms and conditions contained herein, are subject to change at any time by MasterCard without notice. All benefits are subject to availability. The goods and services described herein are offered and provided by third party merchants and neither MasterCard nor Citi is responsible for any losses related to the offer, fulfillment or use of the good or services. MasterCard, World Elite, MasterCard Travel Services and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. All rights reserved.

Air Program: World Elite commercial air benefits described here unless otherwise stated, must be reserved and ticketed through Carlson Wagonlit Travel, MasterCard's designated travel agent for MasterCard Travel Services and full payment must be made with a valid Citi Prestige MasterCard. Travel commencement dates vary by airline. Tickets are non-transferable and non-endorsable and may be non-refundable depending on the class of service ticketed. Benefit is valid for one-way or roundtrip travel provided travel originates in a qualifying gateway. All travel must originate in the country in which the ticket is issued. Other restrictions may apply. Any deviations or changes in routing by personal choice of the cardmember after ticketing will be at the cardmember's expense. Non-participating carriers must be ticketed and priced separately. Tickets can be issued the same day as the departure date if World Elite Program inventory is available and if the applicable airline allows electronic ticketing. Otherwise, same-day reservation, ticketing and departures are not allowed. Electronic tickets will be issued for all itineraries unless paper tickets are required by the airline. If paper tickets are required by airline, an overnight or two-day delivery fee for delivery of the paper ticket to the cardmember will be the responsibility of the cardmember. If the cardmember requests a paper ticket in lieu of an electronic ticket, cardmember will be responsible for airline paper ticket fee and also for the overnight or two-day delivery fee for delivery of the paper ticket to the cardmember. Multiple World Elite travel benefits provided by MasterCard Travel Services may be booked, but such benefits may not be combinable with a travel service provider's other offers. Benefits may generally be redeemed multiple times, subject to specific travel service provider limitations or unless otherwise noted, and are valid on new bookings only. Airlines reserve the right to change or modify the program at any time. Program is subject to change or cancellation without notice. All travel must be completed on flights operated by the participating carrier, unless otherwise noted. World Elite Air Program seat allocations and destinations may be limited on specific airlines and departures and are subject to availability.

Blackout dates and additional terms, conditions and restrictions may apply. The goods and services described herein are offered and provided by third party merchants and neither MasterCard nor Citi is responsible for any losses related to the offer, fulfillment or use of the goods or services. Carlson Wagonlit Travel, MasterCard, Citi, and benefit travel service providers are not responsible for printing or typographical errors. MasterCard, World Elite, MasterCard Travel Services and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. All rights reserved.

Private Jet Program Benefits: To take advantage of the Private Jet Program benefits described here, unless otherwise stated, cardmembers must book through Carlson Wagonlit Travel, MasterCard's designated travel agent for MasterCard Travel. Citi Prestige cardmembers must reserve and pay in full for reservations, including deposit and final payment, with a valid Citi Prestige MasterCard. If a booking is made through CWT with a Supplier that is not participating in the World Elite benefits program, then CWT will offer rates negotiated by CWT and/or those available to CWT in the Global Distribution System. If within twenty-four (24) hours of a cardmember's original reservation through CWT with a Supplier that is not participating in the World Elite benefits program, cardmember notifies CWT of a lower publicly-available rate that meets the exact booking criteria for the same Supplier, then CWT will contact the applicable Supplier in an attempt to procure that same lower rate for the cardmember, or, alternatively, the cardmember will be allowed to cancel his or her reservation, provided the cardmember was not informed at the time of booking that the reservation was non-refundable. For purposes of the foregoing, discount or negotiated rates not available to the general public, such as closed memberships, auction sites, phone only rates and same day mobile only rates are not considered publicly available rates. Savings and/or benefits are subject to change or cancellation without notice. Reservation is subject to aircraft availability. Multiple World Elite travel benefits provided by MasterCard Travel Services may be booked, but such benefits may not be combinable with a travel service provider's other offers. Benefits may generally be redeemed multiple times, subject to specific travel service provider limitations or unless otherwise noted, and are valid on new bookings only. Blackout dates and additional terms, conditions and restrictions may apply. The goods and services described herein are offered and provided by third party merchants and neither MasterCard nor Citi is responsible for any losses related to the offer, fulfillment or use of the goods or services. Carlson Wagonlit Travel, MasterCard, Citi, and benefit travel service providers are not responsible for printing or typographical errors. MasterCard, World Elite, MasterCard Travel Services and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. All rights reserved.

Hotels and Resorts Portfolio Benefits: To take advantage of any World Elite^® travel benefits described here, unless otherwise stated, cardmember must book through Carlson Wagonlit Travel, MasterCard's designated travel agent for MasterCard Travel Services and must reserve and pay in full for reservations, including deposit and final payment, with a valid Citi Prestige MasterCard.

All benefits and offers are subject to availability and are subject to change or cancellation without notice. MasterCard World Elite Hotels & Resorts Program is an amenity based program offering specially negotiated rates with exclusive benefits. Benefits may be limited to specific room types and may vary by supplier. If a booking is made through CWT with a Supplier that is not participating in the World Elite benefits program, then CWT will offer rates negotiated by CWT and/or those available to CWT in the Global Distribution System. If within twenty-four (24) hours of a cardmember's original reservation through CWT with a Supplier that is not participating in the World Elite benefits program, and before actual travel date, cardmember notifies CWT of a lower publicly-available rate that meets the exact booking criteria for the same Supplier, then CWT will contact the applicable Hotels and Resorts Supplier in an attempt to procure that same lower rate for the cardmember, or, alternatively, the cardmember will be allowed to cancel his or her reservation, provided the cardmember was not informed at the time of booking that the reservation was non-refundable. For purposes of the foregoing, discount or negotiated rates not available to the general public, such as closed memberships, auction sites, phone only rates and same day mobile only rates are not considered publicly available rates. Room upgrades and program amenities are based upon availability at time of arrival unless otherwise noted. Room upgrades are offered only for designated hotels and room categories and individual hotel participation may be withdrawn without prior notice. Upgrades may not apply to suite bookings. Hotels and Resorts benefits do not apply to wholesaler bookings. All reservations must be booked and travel must be completed by December 31, 2014. Multiple World Elite travel benefits provided by MasterCard Travel Services may be booked, but such benefits may not be combinable with a travel service provider's other offers. Benefits may generally be redeemed multiple times, subject to specific travel service provider limitations, or unless limits are noted, and are valid on new bookings only. Program is subject to change or cancellation without notice. Blackout dates and additional terms and conditions may apply.

The goods and services described herein are offered and provided by third party merchants and neither MasterCard nor Citi is responsible for any losses related to the offer, fulfillment or use of the goods or services. Carlson Wagonlit Travel, MasterCard, Citi and benefit travel service providers are not responsible for printing or typographical errors. MasterCard, World Elite and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. All rights reserved.

Cruise Program Benefits: To take advantage of all World Elite Cruise Program benefits, unless otherwise stated, cardmembers must book through Carlson Wagonlit Travel, MasterCard's designated travel agent for MasterCard Travel Services and must reserve and pay in full for reservations, including deposit and final payment, with a valid Citi Prestige MasterCard. World Elite cruise benefits are valid on select sailings with participating cruise lines, and may apply to select sailings and stateroom categories. Benefits are valid on new bookings made between January 1, 2014 and December 31, 2014 for sailings departing no later than December 31, 2014. The World Elite shipboard credit will be applied to the first two full fare paying passengers sharing a stateroom. Shipboard credits do not apply to third and fourth passengers sharing the same stateroom. Single occupancy stateroom is eligible for one onboard credit per stateroom. All fares are per person, cruise only and double occupancy unless otherwise specified. Onboard credit may not be combined with other offers. Benefits are subject to change at any time without prior notice. Blackout dates, state room category, select itineraries, fare and other restrictions may apply. Shipboard credits will apply to one segment only on back-to-back and multi-segment itineraries. World Elite shipboard credits cannot be used for casino charges charged to a cardmember's shipboard account, are not combinable with any other shipboard credits and cannot be applied to the cost of the cruise, port charges, gratuities or other fees. All reservations are subject to the terms and conditions outlined in the Passage Contract for each applicable cruise line. Other restrictions and limitations may apply depending on cruise line and category of cabin. If a booking is made through CWT with a Supplier that is not participating in the World Elite benefits program, then CWT will offer rates negotiated by CWT and/or those available to CWT in the Global Distribution System. If within twenty-four (24) hours of a cardmember's original reservation through CWT with a Supplier that is not participating in the World Elite benefits program, and before actual travel date, cardmember notifies CWT of a lower publicly-available rate that meets the exact booking criteria for the same Supplier, then CWT will contact the applicable Supplier (including cruise line, tour company or other) in an attempt to procure that same lower rate for the cardmember, or, alternatively, the cardmember will be allowed to cancel his or her reservation, provided the cardmember was not informed at the time of booking that the reservation was non-refundable. For purposes of the foregoing, discount or negotiated rates not available to the general public, such as closed memberships, auction sites, phone only rates and same day mobile only rates are not considered publicly available rates. Multiple World Elite travel benefits provided by MasterCard Travel Services may be booked, but such benefits may not be combinable with a travel service provider's other offers. Benefits may generally be redeemed multiple times, subject to specific travel service provider limitations, or unless limits are noted and are valid on new bookings only. Additional restrictions and limitations may apply. The goods and services described herein are offered and provided by third party merchants and neither MasterCard nor Citi is responsible for any losses related to the offer, fulfillment or use of the goods or services. Carlson Wagonlit Travel, MasterCard, Citi and benefit travel service providers are not responsible for printing or typographical errors. MasterCard, World Elite, MasterCard Travel Services and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. All rights reserved.

Tours and Vacations Program Benefits: To take advantage of any World Elite Tours and Vacations Program benefits, unless otherwise stated, cardmembers must book through Carlson Wagonlit Travel, MasterCard's designated travel agent for MasterCard Travel services and must reserve and pay in full for reservations, including deposit and final payment, with a valid Citi Prestige MasterCard. World Elite savings benefits are not transferable, are subject to change or cancellation without notice and are subject to availability. In most cases, the cardmember must book travel of a minimum duration and/or minimum spend to receive available World Elite benefits. All travel must be booked and commence by December 31, 2014 unless otherwise noted. Multiple World Elite travel benefits provided by MasterCard Travel Services may be booked, but such benefits may not be combinable with a travel service provider's other offers. Benefits may generally be redeemed multiple times, subject to specific travel service provider limitations, or unless limits are noted, and are valid on new bookings only. The benefit applies to the first two full paying travelers in a party. If a booking is made through CWT with a Supplier that is not participating in the World Elite benefits program, then CWT will offer rates negotiated by CWT and/or those available to CWT in the Global Distribution System. If within twenty-four (24) hours of a cardmember's original reservation through CWT with a Supplier that is not participating in the World Elite benefits program, and before actual travel date, cardmember notifies CWT of a lower publicly-available rate that meets the exact booking criteria for the same Supplier, then CWT will contact the applicable Supplier (including hotel, cruise line, car rental, tour company, airline or other) in an attempt to procure that same lower rate for the cardmember, or, alternatively, the cardmember will be allowed to cancel his or her reservation, provided the cardmember was not informed at the time of booking that the reservation was non-refundable. For purposes of the foregoing, discount or negotiated rates not available to the general public, such as closed memberships, auction sites, phone only rates and same day mobile only rates are not considered publicly available rates. Blackout dates and additional terms and conditions may apply. The goods and services described herein are offered and provided by third party merchants and neither MasterCard nor Citi is responsible for any losses related to the offer, fulfillment or use of the goods or services. MasterCard, Citi and benefit travel service providers are not responsible for printing or typographical errors. MasterCard, World Elite, MasterCard Travel Services and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. All rights reserved.

Car Rental Program Benefits: To take advantage of World Elite rental car benefits, unless otherwise stated, rental car reservations must be made through Carlson Wagonlit Travel, MasterCard's designated travel agent for MasterCard Travel Services, and full payment must be made with a valid Citi Prestige MasterCard. One of the travelers must be the holder of a valid Citi Prestige MasterCard. All travel must be booked and commence by December 31, 2014. Program benefits are available through participating car rental companies. Complimentary enrollment by participating car rental companies is available to the Citi Prestige cardmember only and is non-transferable. Eligibility to rent vehicles is subject to standard qualifications and rental conditions, including standard age, driver and credit requirements. Program benefits are subject to availability and are subject to change or cancellation without notice. If within twenty-four (24) hours of a cardmember's original reservation, and before actual travel date, cardmember notifies CWT of a lower publicly-available rate that meets the exact criteria for the same Supplier, CWT will contact the applicable Supplier in an attempt to procure that same lower rate for the cardmember, or the cardmember will be allowed to cancel his or her reservation, provided the cardmember was not informed at the time of booking that the reservation was non-refundable.

Blackout dates may apply. Multiple World Elite travel benefits provided by MasterCard Travel Services may be booked, but such benefits may not be combinable with a travel service provider's other offers. Benefits may generally be redeemed multiple times, subject to specific travel service provider limitations, or unless limits are noted and are valid on new bookings only. Additional terms, conditions and restrictions may apply. The goods and services described herein are offered and provided by third party merchants and neither MasterCard nor Citi is responsible for any losses related to the offer, fulfillment or use of the goods or services. Carlson Wagonlit Travel, MasterCard, Citi and benefit travel service providers are not responsible for printing or typographical errors. MasterCard, World Elite and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. All rights reserved.

Chauffeured Car Program Benefits: To take advantage of any World Elite^® travel benefits described here, unless otherwise stated, cardmember must book through Carlson Wagonlit Travel, MasterCard's designated travel agent for MasterCard Travel Services and must reserve and pay in full for reservations, including deposit and final payment, with a valid Citi Prestige MasterCard. All travel must be booked and commence by December 31, 2014. Program benefits are available through participating chauffeured car companies. Program benefits are subject to availability and are subject to change or cancellation without notice. If a booking is made through CWT with a Supplier that is not participating in the World Elite benefits program, then CWT will offer rates negotiated by CWT and/or those available to CWT in the Global Distribution System. If within twenty-four (24) hours of a cardmember's original reservation through CWT with a Supplier that is not participating in the World Elite benefits program, and before actual travel date, cardmember notifies CWT of a lower publicly-available rate that meets the exact criteria for the same Supplier, CWT will contact the applicable chauffeured car Supplier in an attempt to procure that same lower rate for the cardmember or, alternatively, the cardmember will be allowed to cancel his or her reservation, provided the cardmember was not informed at the time of booking that the reservation was non-refundable.

Blackout dates may apply. Multiple World Elite travel benefits provided by MasterCard Travel Services may be booked, but such benefits may not be combinable with a travel service provider's other offers. Benefits may generally be redeemed multiple times, subject to specific travel service provider limitations, or unless limits are noted and are valid on new bookings only. Additional terms, conditions and restrictions may apply. The goods and services described herein are offered and provided by third party merchants and neither MasterCard, nor Citi is responsible for any losses related to the offer, fulfillment or use of the goods or services. Carlson Wagonlit Travel, MasterCard, Citi and benefit travel service providers are not responsible for printing or typographical errors. MasterCard, World Elite and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. All rights reserved.

CITI PRESTIGE – GLOBAL OVERLAY

AIRLINES & Hotels

Citi Prestige International First or Business Class Discount Program

TERMS AND CONDITIONS

Air program discount percentage will be calculated based upon dollar amount off Full Fare International First or Business Class prices. These discounts may be subject to certain blackout dates and may not be available. This discount only applies to the ticket's fare and is not applicable on any taxes or fees. Discounts of up to 25% will be made available on participating airlines and will be reflected as a credit on the statement. If the ticket is cancelled and refunded, the discount originally credited will be reversed on the statement. Air Discounts, Upgrades, and/or Companion Tickets are not combinable. There is no cash value for the cardmember. All cancellations or exchange fees are the responsibility of the cardmember. Applicable airline penalties will be disclosed to the cardmember at the time of purchase. This benefit is available to all Citi Prestige cardmembers worldwide.

Statement Credit for Airline Program – Terms of Use

Fulfillment

All statement credits will be reflected on the Citi Prestige card statement as being a result of the Program and will appear within two statement periods following the month in which travel was completed. Foreign exchange conversion rates may fluctuate resulting in slight differences in amount credited.

Cancellations and Reversals

All cancellations must be done through the Citi Prestige Travel Advisor. If the reservation is canceled any statement credit relative to the offer will be reversed, based upon the eligibility and satisfaction of the terms of the offer. Citi and MasterCard reserve the right to reverse a statement credit including, and without limitation, any refunds, returns, disputes, adjustments or fraudulent card activity.

Merchant and Merchants Offers

Neither Citi nor MasterCard will be liable for any loss or damage incurred as a result of any interaction between a cardmember and a Merchant with respect to the Program. Except as set forth herein, all matters, including but not limited to delivery of goods and services, returns, and warranties are solely and strictly between cardmember and the applicable Merchants, subject to applicable law. Cardmember acknowledges that Citi and MasterCard do not endorse or warrant the Merchants that are accessible through the Program, nor the Offers that they provide.

Cardmember Responsibilities.

By consenting to the Terms, you agree that: (i) you represent only yourself here and no other person; (ii) that you are of the legal age of majority in order to enter into contracts or if you are entering into these Terms for a small business you are able to bind such entity; and (iii) you will provide accurate information to Citi and MasterCard, including, but not limited to, information required to register for the Program; and (iv) you will not use the Program for any purpose that is unlawful or prohibited by the Terms.

Customer Service and Contact Information.

For any Program related questions contact Customer Service by calling the number on the back of your card.

Citi Prestige Complimentary Night Hotels and Resorts Program

You will enjoy a complimentary fourth night with no black-out dates, twice per calendar year, when you book four consecutive nights at any MasterCard World Elite Luxury Hotel and Resort

TERMS AND CONDITIONS

To receive your complimentary night you must:

• Select one of the Hotels and Resorts that participate in the World Elite Luxury Hotels and Resorts Portfolio.
• Make a reservation for a minimum four-night stay
• Fully pay for your stay with a Citi Prestige Card

Receive standard World Elite Hotel Benefits plus one complimentary night (room rate for the fourth night and applicable taxes only). Hotel imposed fees and incidental guest charges are the cardmember's responsibility. The value of the complimentary night will be the actual rate on that applicable fourth night of the reservation, even if it is different from the rate on other nights. Cardmember will be charged the total cost of the stay at checkout and will receive a credit to the statement for the cost of the complimentary night. This benefit can only be used twice per calendar year based upon arrival dates. Only one complimentary night is eligible per room reservation. The benefit can only be used by each primary account. Call the Travel Advisor for participating properties and current rates. This benefit is available to all Citi Prestige cardmembers worldwide.

Statement Credit for Hotel Program - Terms of Use

Fulfillment

All statement credits will be reflected on the Citi Prestige card statement as being a result of the Program and will appear within two statement periods following the month in which travel was completed. Foreign exchange conversion rates may fluctuate resulting in slight differences in amount credited.

Cancellations and Reversals

All cancellations must be done through the Citi Prestige Travel Advisor. If the reservation is canceled , any statement credit relative to the offer will be reversed, based upon the eligibility and satisfaction of the terms of the offer. Citi and MasterCard reserve the right to reverse a statement credit including, and without limitation, any refunds, returns, disputes, adjustments or fraudulent card activity.

Merchant and Merchants Offers

Neither Citi nor MasterCard will be liable for any loss or damage incurred as a result of any interaction between a cardmember and a Merchant with respect to the Program. Except as set forth herein, all matters, including but not limited to delivery of goods and services, returns, and warranties are solely and strictly between cardmember and the applicable Merchants, subject to applicable law. Cardmember acknowledges that Citi and MasterCard do not endorse or warrant the Merchants that are accessible through the Program, nor the Offers that they provide.

Cardmember Responsibilities.

By consenting to the Terms, you agree that: (i) you represent only yourself here and no other person; (ii) that you are of the legal age of majority in order to enter into contracts or if you are entering into these Terms for a small business you are able to bind such entity; and (iii) you will provide accurate information to Citi and MasterCard, including, but not limited to, information required to register for the Program; and (iv) you will not use the Program for any purpose that is unlawful or prohibited by the Terms.

Customer Service and Contact Information.

For any Program related questions contact Customer Service by calling the number on the back of your card.

ADDITIONAL HOTEL AND AIRLINE BENEFITS TERMS AND CONDITIONS

Acceptance of Terms and Conditions:

This Citi Prestige program (the "Program") entails hotel and airline benefits brought by Citi. Under the Program cardmember has access to benefits from participating hotels and airlines. Please read these Terms of Use carefully before using the Program, as well as the Terms of Use that apply to the Citi Prestige Card. By using this Program, cardmember agrees to these Terms of Use and any operating rules and policies that may be published by Citi and/or MasterCard International Incorporated ("MasterCard"). MasterCard is a service provider for the Program ("Service Provider"). Terms of Use may be amended from time to time (the "Terms"). Citi and MasterCard may change these Terms at any time without notice, and any such changes will be effective when sent to the cardmember. By using the program cardmember acknowledges that cardmember has read, understood, and agreed to be bound by all of the terms and to comply with all applicable laws and regulations. Cardmember should retain a copy of this agreement for their records.

For the purposes of this Program, the following conditions apply: (i) all bookings and cancellations for travel must be made through the Travel Advisor; (ii) the booking must be made and fully paid for with a Citi Prestige Card; (ii) must be at least 18 years of age; (iii) must be a legal resident of the country in which the card was issued; (iv) must satisfy all terms of the offer to be eligible for the offer; (v) the transaction must be completed with a Citi Prestige Card. Additional terms, conditions and exclusions apply. For any questions or issues about whether a Citi Prestige Card is eligible or regarding Program benefits, cardmember must contact Customer Service number located on the back of the card. Citi and MasterCard reserve the right to not provide the promotion if: (a) cardmember did not take all steps required to qualify for the offer; (b) cardmember attempted to reserve the travel by methods that contravene the reservation system, offer terms and conditions or terms of use; (c) otherwise violated the Terms of Use. Benefits are available to cardmembers in good standing. Offer availability subject to local law.

TERMS AND CONDITIONS

MasterCard Airport Concierge^™

MasterCard Airport Concierge is provided by Global Airport Concierge. In the case of making any airport concierge service ("Meet & Greet") bookings utilizing MasterCard Airport Concierge provided by Global Airport Concierge ("GAC"), it is the Citi Prestige cardmember's responsibility to provide all the required and correct information. Any lack or delay of the information can affect the service and neither MasterCard International Incorporated ("MasterCard") nor GAC will be held responsible for any such event. It is the Citi Prestige cardmember's responsibility to choose and book a start time that allows sufficient time for the service to take place or the formalities to be completed in good time. There is no charge for any cancellations made more than 48 hours in advance of the service. For any cancellations made within 48 hours prior to the scheduled service, there is a 100% charge equivalent to full invoice and no right to refund. There is no charge for any amendments to the services made more than 48 hours in advance of the service. For any amendment made less than 48 hours in advance of the service, there will be a change fee imposed, which varies depending on the airport. Airside access at some airports may be subject to possible security restrictions. Infants up to 12 months will not be charged and between 12 and 36 months will be charged at 50%. Standard service times are typically 3 hours. Additional fees may apply for service-times of more than 3 hours. This does not apply to cases when flights are unexpectedly delayed. Additional fees may apply after the initial booking due to changes/cancellations made within 48 hours of travel, extra services added or additional passengers added at the airport. Fees depend on the airport and can be requested at time of booking. All rates are inclusive of foreign taxes, administration costs, gratuity & tips. Additional terms, exclusions and conditions apply, visit www.mastercard.com/airportconciergeterms. Travel related services are provided by or through one or more travel service providers and such travel service providers and benefits, as well as the terms and conditions contained herein, are subject to change at any time by MasterCard without notice. This offer may be terminated by MasterCard without notice. The goods and services described herein are offered and provided by third party merchants and neither MasterCard nor Citi is responsible for any losses related to the offer, fulfillment or use of the goods or services. MasterCard, World Elite, MasterCard Travel Services and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. All rights reserved.

AIRPORT LOUNGES - PRIORITY PASS

Priority Pass Airport^™ Lounge Access

Priority Pass Airport Lounge Access provides eligible World Elite MasterCard cardmembers with access to, and all of the privileges of, more than 600 VIP lounges in major airports in over 100 countries worldwide. No matter what airline, what frequent flyer membership, or class of ticket bought, eligible cardmembers will enjoy all of the convenience of participating airport lounges.

Who Is Eligible:

World Elite MasterCard cardmembers who have a Priority Pass card issued in their name.

How Priority Pass Works:

• Before traveling, cardmembers can log on to www.prioritypass.com and view a directory of airport lounges available worldwide.
• Eligible cardmembers present their Priority Pass membership cards to gain admission for themselves; guests are permitted at the discretion of each lounge.
• Cardmembers will enjoy complimentary refreshments, newspapers, and television. In addition, there is access to business facilities including phone, fax, conference and Internet facilities (where available).

Conditions of Use

1. The Priority Pass card is not transferable and is only valid up to its date of expiry and when it has been signed by the cardholder. The card may not be used by any person other than the cardholder.

2. The Priority Pass card is not a payment card nor is it proof of creditworthiness and attempts to use it as such could constitute fraud.

3. Admittance to a lounge is conditional upon presentation of one valid Priority Pass card per person only (some restrictions may apply to Priority Pass Select cardholders and Priority Pass cardholders in the U.S. that receive their membership through a U.S. financial institution). Payment cards will not be accepted as substitutes for the Priority Pass card.

4. Lounge visits are subject to a per person per visit charge. Where applicable (dependent upon membership plan), all such visits, including those by accompanying guests, shall be debited to the cardholder's payment card by (i) Priority Pass or (ii) the card issuer as per the rates and terms notified by (i) Priority Pass or (ii) the card issuer to the cardholder in respect of his/her Priority Pass membership. Any changes in lounge visit charges shall be notified to the card issuer, who is responsible for advising the cardholder. The Priority Pass Group of companies cannot be held responsible for any disputes that may occur between the cardholder and the card issuer nor for any loss incurred by the cardholder relating to any lounge visit charges debited by the card issuer.

5. When presenting the Priority Pass card on entering the lounge, lounge staff will take an imprint of the card and issue a 'Record of Visit' voucher to the cardholder or make a log entry. Some lounges have electronic card readers, which will take the cardholder's details off the magnetic strip on the reverse side of the Priority Pass card. Where applicable, the cardholder must sign the 'Record of Visit' voucher, which will also reflect the exact number of accompanying guests, if any, but does not show any per person per visit charge. The charge per visit for the cardholder, where relevant, and that for any guests will be based on the 'Record of Visit' voucher/log submitted by the lounge operator.

6. While it is the responsibility of the lounge staff to ensure a voucher imprint/log is made of the Priority Pass card, the cardholder is responsible for ensuring the 'Record of Visit' voucher/log correctly reflects their own usage and that of any guests at the time of using the lounge. Where applicable, the cardholder is responsible for retaining the 'Cardholder's' copy of the 'Record of Visit' voucher presented to them at the lounge.

7. All participating lounges are owned and operated by third party organizations. The cardholder and accompanying guests must abide by the rules and policies of each participating lounge/club. Access may be restricted due to space constraints but this will be wholly at the discretion of each individual lounge operator. The Priority Pass group of companies has no control over the facilities offered, the opening/closing times or the personnel employed by the lounges. The administrators of Priority Pass will use every endeavor to ensure the benefits and facilities are available as advertised, but the Priority Pass group of companies does not warrant nor guarantee in any way that said benefits and facilities will be available at the time of the cardholder's visit. Neither is the Priority Pass group of companies liable for any loss to the cardholder, or any accompanying guests, arising from the provision or non-provision (whether in whole or in part) of any of the advertised benefits and facilities. All accompanying children (where permitted) will be subject to the full guest fee. See individual lounge descriptions for further details.

8. Participating lounges may reserve the right to enforce a maximum stay policy (usually 3-4 hours) to prevent overcrowding. This is at the discretion of the individual lounge operator who may impose a charge for extended stays.

9. Participating lounges have no contractual obligation to announce flights and the Priority Pass group of companies shall not be held liable for any direct or indirect loss resulting out of any cardholder and/or accompanying guests failing to board their flight(s).

10. The provision of free alcoholic drinks (where local law permits) is at the discretion of each lounge operator and in some cases may be limited. In such cases the cardholder is responsible for paying any charges for additional consumption direct to the lounge staff. (See individual lounge descriptions for details.)

11. Telephone facilities (where available) vary from lounge to lounge and are provided at the lounge operator's discretion. Free usage is normally limited to local calls only. Telephone, Fax, Shower, Internet, Wi-fi, Refreshment and Spa treatment charges (where applicable) are at the discretion of each lounge operator and the cardholder is responsible for paying these direct to the lounge staff.

12. Admittance to lounges is strictly subject to cardholders and any guests being in possession of a valid flight ticket for the same day of travel. Airline, airport and other travel industry employees traveling on reduced-rate tickets may not be eligible for access. Outside the US, flight tickets must be accompanied by a valid boarding pass for a departing flight, i.e. outbound passengers only. Please note some lounges in Europe are located within designated Schengen areas of the airport which means that access is only provided to these lounges if members are traveling between Schengen countries. (Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Lithuania, Luxembourg, Malta, The Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and Switzerland.)

13. Admittance to lounges is subject to members and any guests (including children) behaving and dressing (no shorts allowed outside of the USA) in an orderly and correct manner. Any infants or children causing upset to other users' comfort may be asked to vacate the lounge facilities. The Priority Pass group of companies is not liable for any loss suffered by the member and any guests where a lounge operator has refused admission because the member and/or guests have not complied with these conditions.

14. Lost, stolen or damaged Priority Pass cards are to be notified immediately to (i) the Priority Pass office from which the card was issued or (ii) to the card issuer, who shall be responsible for providing a replacement card. A charge of USD25 may be levied.

15. In the event of the cardholder canceling or not renewing their (i) Priority Pass membership or (ii) payment card with the card issuer, the Priority Pass card shall be invalid effective from the cancellation date of their (i) Priority Pass membership or (ii) payment card. Any lounge visits made by a cardholder using an invalid card, including any guests, shall be charged to the cardholder.

16. Renewal terms and conditions are at the discretion of Priority Pass Ltd. Priority Pass Ltd has the right to refuse membership to people who are employed by or contracted to an airline, airport or a Government in respect of airline or airport security.

17. The Priority Pass group of companies shall not be held responsible for any disputes that may occur between the cardholder and/or any guests and a lounge operator.

18. The Priority Pass group of companies reserves the right at any time at its absolute discretion and without notice to revoke membership in Priority Pass. Where applicable a proportional refund of the annual fee/enrollment fee (whichever is applicable) will be made provided revocation has not been made because of fraud by the cardholder.

19. The cardholder agrees that s/he will defend and indemnify the Priority Pass group of companies, its directors, officers, employees and agents (collectively 'the indemnified parties') against and hold each indemnified party harmless from all liabilities, damages, losses, claims, suits, judgments, costs and expenses (including reasonable attorney's fees) for injury to or death of any person or damage to or destruction of any property arising out of the use of any lounge by the cardholder or any guests or any person in said lounge at the behest of the cardholder, except that such indemnification shall not extend to acts of gross negligence or willful misconduct by the indemnified parties.