GLOBAL BANKING

Terms and Conditions

1. GLOBAL VIEW OF ACCOUNTS
   With Global View of Accounts service ("GVA Services"), I will be able to access a consolidated view of my account(s) with Citibank and its affiliates via web sites belonging to Citibank and its affiliates (including Citibank Online), upon registration.
   
   

   1.1 Cross Border Data Transfer And Secrecy Waiver
   I understand that Citibank and its affiliates will provide the GVA Services to me through facilities located outside Thailand. In order to create and maintain a user profile for me, and to provide the GVA Services to me, Citibank and its affiliates may need to access information about me, my account(s) and my relationship with Citibank and its affiliates from or through, or send such information to, Citibank branches, affiliates or service providers (including Citibank´s affiliates with which I maintain an account relationship) that are located outside the jurisdiction where the relevant account is maintained and may be located outside Thailand. Such information may temporarily or permanently reside in locations outside Thailand where the relevant account is maintained and such information therefore may be subject to supervision by the regulatory authorities in each jurisdiction where services are performed or information resides, or the jurisdiction where the relevant account is maintained and in the jurisdiction of my residence or citizenship. If I am a resident of the European Union, I acknowledge that such other countries may not offer "adequate protection" for the purposes of directive 95/46/EC of the European Union (as amended).
   
   Therefore, in connection with the provision of the GVA Services to me, I authorize and consent to such cross-border disclosure and access. In addition, I hereby release Citibank and its affiliates from any duty they might otherwise have to observe banking secrecy and/or privacy laws of any jurisdiction. I also authorize Citibank and its affiliates to access information about me, my accounts and my relationship with them, via the Internet, from inside and outside the country where I maintain my account relationship and from inside and outside the country where my accounts with Citibank and its affiliates are booked, held and/or serviced. I further authorize Citibank and its affiliates to disclose to each other and to such third parties as they deem necessary, such information regarding me (including, in the case of accounts held in the name of a private investment company, trust or other entity, information about the beneficial owner(s) or donors thereof), my accounts and my relationship with them as may be required from time to time to provide the GVA Services to me. I expressly acknowledge and agree that in doing so, data about me, my accounts and my relationship with Citibank and its affiliates will be transferred cross-border.
   
   I also acknowledge that the information available to me via the web site of Citibank and its affiliates , including my account information, can become subject to the legal systems and laws in force in each state or country (a) where it is held, received or stored by you, your affiliates or me, (b) from where it is accessed by you, your affiliates or me, or (c) through which it passes. I understand that the information can become subject to disclosure pursuant to the laws of those states or countries and I acknowledge and accept the consequences that may result from such disclosure. In addition, because my account(s) may include information about more than one individual (e.g. where I maintain a joint account) and about my business relations with Citibank and its affiliates, I acknowledge and accept that statements released to comply with legal process may contain information regarding my relationship with these individuals and with Citibank and its affiliates.

   1.2 POTENTIAL DISCLOSURE OF CONSOLIDATED AND LINKED ACCOUNT INFORMATION
   In order for Citibank and its affiliates to provide the GVA Services to me, Citibank and its affiliates must transfer information about my accounts to the relevant web site from the Citibank branch, subsidiary or affiliate where the accounts are held, and then consolidate and link that information to provide me with access to that information via the relevant web site. This information may reside, temporarily or permanently, on the said web site, and will be subject to the legal systems and laws in force in the jurisdiction where the relevant account is maintained, the jurisdiction of my residence or citizenship as well as those of Thailand. I expressly acknowledge and agree, therefore, that Citibank and its affiliates ability to access and download such account information via the web site may enable third parties, including official bodies and authorities and private persons, to compel Citibank and/or its affiliates to disclose my interest therein and/or my relationship to other persons that have an interest therein, and I accept the consequences that may result from such linkage and disclosure.

   1.3 GOVERNING LAW AND SUBMISSION TO JURISDICTION WITH REGARDS TO GLOBAL VIEW OF ACCOUNTS
   This Clause 1, as well as Citibank´s performance of its obligations with respect to the GVA Services provided under this Agreement, will be governed by, and construed in accordance with, the laws of the jurisdiction where the relevant account is maintained, including any governmental acts, orders, decrees or regulations applicable to that branch where the account is maintained.
   
   The primary records with respect to the GVA Services provided to you will be maintained in facilities located in the jurisdiction which the relevant account is maintained. As noted above, we may provide all or a portion of the GVA Services to you from one or more countries, and information about you and your accounts and relationship with us may be transmitted from or through one or more countries. Such information therefore may also be subject to the laws, regulations and usages of each jurisdiction where these services are performed as well as in Thailand and the jurisdiction where the relevant account is maintained.
   
   For any dispute relating to the GVA Services, you (i) irrevocably submit to the exclusive jurisdiction of the courts of the jurisdiction where the relevant account is maintained, provided that at our sole discretion, such jurisdiction shall not be exclusive; (ii) waive any defense of inconvenient forum; (iii) agree that any final judgment will stand and be enforceable in other jurisdictions by suit or as provided by law and will be binding on you, your heirs, executors, legal representatives, successors or assigns; and (iv) agree that any summons, process, or other legal document in connection with any such dispute may be served on you or your personal representatives by serving it at your mailing or release address.