Broszura Citigold eng 7 10-13

Welcome
Contents
Everyday Finance 07
Benefits and Privileges 13
Savings, Investments, Secure Future 19
Extra Funds to Realize Your Plans 25
Citigold and Travel 29
Operating Manual for Electronic Banking 35
Welcome
to the Citigold World
Citigold
We have the pleasure to welcome you at the Bank
which combines the tradition of Polish banking
with leading-edge financial management.
Bank Handlowy w Warszawie S.A. has been operating in the Polish
financial market for over 140 years and today is part of the global
organization of Citigroup – one of the world’s leading financial
institutions. Citigroup proudly serves over 200 million individual,
corporate, governmental and institutional Customers in more than
100 countries worldwide.
The Citigold offer is meant for our most demanding Customers,
who have decided to maintain a monthly average balance
in all accounts held with us at the level of at least PLN 200,000.
03
Citigold
Citigold Account
Currency Exchange
Debit Card
ATMs
Transactions
Everyday Finance
Citigold
We offer you a top class personal account and various
channels for execution of transactions, which enable flexible
management of your day-to-day banking.
Citigold Account
Currency Exchange
Debit Card
Citigold Account means convenient
access to your personal finance
combined with a number of benefits,
including most banking operations
(i.e. transfers, standing orders,
direct debits and cash withdrawals)
performed free of charge.
We offer you free of charge foreign
currency accounts, free of charge
transfers in foreign currencies
and attractive foreign currency
exchange terms and conditions.
The gold MasterCard® PayPass™
debit card ensures a convenient
access to the funds in your account.
The card may be used to pay at any
store and service outlet, to withdraw
cash from ATMs and to access
our servicing channels: CitiPhone,
Citi Mobile and Citibank Online.
As part of the account you may
also have a high overdraft and
activate a medical care package
to enjoy constant access to
diagnostic tests and doctors of
various specializations at the LUX
MED and Medycyna Rodzinna
private clinic networks.
If you exchange at least
USD 10,000.00 (or an equivalent
amount), you will use FX rates
updated on an ongoing basis
in accordance with the FX market.
Additionally, for amounts exceeding
USD 20,000.00 (or equivalent
amounts) you can negotiate
an attractive FX rate at a branch
or through CitiPhone.
You also have the possibility to order
foreign currency exchange indicating
the FX rate and the execution
period. The instruction will be
completed at the time when the FX
rate applicable at the bank reaches
the level you have indicated.
If you have the debit card, you may
also order an innovative sticker
to attach to your mobile phone or
to another favorite object, which
enables contactless payments.
All fast, easy and convenient.
Card users profit also from a special
program of discounts at over
2000 stores and service outlets
all over Poland (for more details,
please visit www.citirabaty.pl).
09
ATMs
You can withdraw cash without
any fees charged by Citi Handlowy
from any ATM in Poland and
worldwide (foreign exchange
differences may occur, for more
details consult the Bank Account
Terms and Conditions). The daily
withdrawal limit is PLN 10,000.
Citigold
11
Transactions
You may execute transactions
in your account conveniently on
the Internet and by telephone.
Using the Internet banking service –
Citibank Online – you may make
transfers, pay bills, top-up prepaid
mobile phones, check our current
offer and the contact details
of your personal Relationship
Manager. You are allocated high
limits (up to PLN 50,000) for
electronic funds transfers.
We encourage all Customers who
want to make transactions at any
time and place to use mobile banking
services: Citi Mobile available
on mobile phones or the handy
application Citi Handlowy® for iPad.
With mobile banking, you can quickly
check your balance and transaction
history, execute a transfer
to pre-defined recipients, pay your
bills or repay your credit card debt.
Operating manuals for Citibank
Online and Citi Mobile are
available at p. 35–43.
You may also initiate operations
24/7 via CitiPhone Gold, a dedicated
customer service line. Just call
800 22 4653 (free line for fixed-line
calls from Poland) or 48 22 692 2484
(fee as charged by your operator).
A special agent will be waiting for you.
Citigold
Top Service Quality
Deloitte Tax Consulting
Executive Lounge Access
The A La Carte Program
Desa Unicum
Harper’s Bazaar
Fashion Designers
Benefits and Privileges
Citigold
By using our “Benefits and Privileges” program, you can enjoy
top service quality and special offers prepared by selected
partners.
Top Service Quality
As a holder of the “Benefits and
Privileges” card, you have a
dedicated personal Relationship
Manager, who offers support on all
matters relating to our services. Our
goal is to understand your financial
needs and priorities and to help you
to build your individual financial plan.
You shall have access to the
dedicated CitiPhone Gold call
center, where our most experienced
Consultants answer 90% of calls
in 10 seconds. They will offer you
round-the-clock assistance in
performing ongoing orders and will
solve any problems you may face.
Deloitte Tax Consulting
CitiPhone Gold:
800 22 4653 (free line for
fixed-line calls from Poland)
or 48 22 692 2484 (fee as
charged by your operator).
At the comfortable Citigold
branches, you shall receive priority
service in dedicated rooms which
guarantee comfort and discretion.
At all other branches, holders of
the “Benefits and Privileges” card
are guaranteed priority service.
In addition, during your visit
at selected branches you may
use dedicated parking spaces
(list of parking spaces is to be
found at www.citigold.pl).
Should you need professional tax
advice, we suggest consultations
with Deloitte specialists. The Deloitte
Tax Consulting Department offers
advice on personal income tax,
social insurance, tax implications
of purchasing assets in various
countries, provisions of agreements
on avoidance of double taxation etc.
Executive
Lounge Access
Travelling by air? Wait for your flight
in the comfortable Executive Lounge
at the largest airports in Poland
(list of airports on www.citigold.pl).
Upon presentation of the “Benefits
and Privileges” Citigold card, the
first entry in a month to these
exclusive premises is free of charge.
15
The A La Carte Program
Do you want to enjoy a great
meal or find some time to relax?
With the A La Carte Program we
recommend restaurants, hotels
and spas to you, where you may
enjoy attractive discounts and
exceptional service. And with the
“Mobile Ticketing” service, you
may book tickets for art, cultural
and sports events via CitiPhone.
For more details please visit
www.citigold-restauracje.pl
Citigold
17
Desa Unicum
Harper’s Bazaar
Fashion Designers
If you are interested in the art market,
you may profit from the Desa Unicum
proposal. This partner offers you
individual consultations with experts
and discounts for selected services.
You can receive a 30% discount for
subscription of one of the world’s
most interesting magazines on
fashion, modern trends and culture.
The “Benefits and Privileges”
card provides you attractive
discounts for fashion collections
by top Polish designers: Maciej
Zień and Tomasz Ossoliński.
The subscription can be ordered on
www.sklep.marquard.pl
/magazyn-harpers-bazaar.
For more details please visit www.citigold.pl
Citigold
Investment Consulting
Investment Funds
Structured Products
Investment Barometer
Insurance Products
Portfolio Strategies
Savings Accounts
Time Deposits
Brokerage Services
Savings, Investments,
Secure Future
Citigold
You have access to numerous modern services that enable
you to realize various financial plans.
21
Investment Consulting
Investment Funds
Structured Products
Investment Barometer
As part of the investment consulting
service we will recommend you
carefully selected funds, tailored
both to your individual needs, and
the current market situation.
This service covers domestic
and foreign funds secured
against currency risk.
You can choose from more
than 150 domestic and foreign
investment funds from professionally
managed portfolios of such
investment companies as: TFI
Allianz Polska S.A., Aviva Investors
Poland TFI S.A., ING TFI S.A., Legg
Mason TFI S.A., Union Investment
TFI S.A., Skarbiec TFI S.A., Allianz
Global Investors, BlackRock
Global Funds, Franklin Templeton
Investments and Schroders.
We offer a wide selection of structured
products connected with the behavior
of the selected market index,
e.g. stock price, stock market index,
commodity price or FX rate.
You may receive the monthly
“Investment Barometer”. This is an
electronic publication developed
especially for Citigold Customers,
in which our experts present the
latest news from the Polish and
international financial markets,
forecasts and other information
which may be useful for the
making of investment decisions.
Every month our offer shall include
new proposals for Structured
Bonds issued by renowned financial
institutions, as well as Certificates
of Deposits available under
subscription. In addition, you
can choose to invest your funds
in various currencies under Dual
Currency Investments available
on the Internet, on mobile phones
and at the bank’s branches.
Ask your personal Relationship
Manager for the details.
Citigold
23
Insurance Products
Portfolio Strategies
Savings Accounts
Brokerage Services
The rich and varied offer of insurance
products is designed to secure the
current and future financial needs
of our Customers and their families.
It covers life and health protection
insurance, as well as products
combining insurance coverage
with the accumulation of capital:
investment or savings insurance.
This unit-linked insurance and
investment solution has been
developed especially for those
Customers who do not have time to
independently manage their funds.
You can choose one out of three
Portfolio Strategies: Conservative,
Moderate or Aggressive. Professional
asset managers monitor the market
situation on a daily basis. They
react to significant developments
in the financial markets, making
appropriate adjustments to
the fund’s portfolio in line with
the strategy chosen by you.
The Savings Account and the
SuperSavings Account allow safe
growth of your funds, without
the risk of capital loss. You
may make savings in various
currencies: PLN, GBP, USD, EUR.
Our cooperation with the brokerage
house of Bank Handlowy (Dom
Maklerski Banku Handlowego S.A. –
“DMBH”) enables us to offer services
regarding the acceptance and
passing of orders for purchase or
sale of securities. The Bank acts as
an agent of DMBH – the investment
firm – and runs brokerage activities
that cover the acceptance and
passing of orders in its own name.
Thanks to that, when dealing
with those instructions, Citigold
Customers may use direct assistance
of a Relationship Manager at one
of the bank’s branches and
have access to the information
about the brokerage account
through Citibank Online.
The unit-linked investment
insurance offer the opportunity
to invest in global markets via
insurance asset funds, combined
with life protection.
Savings insurance enable you
to accumulate funds in the form
of safe financial instruments
while guaranteeing insurance
coverage for life and health.
Time Deposits
Our offer includes a wide
selection of time deposits
in various currencies: PLN, USD,
EUR, CHF or GBP, including the
Internet T-Deposit. As a Citigold
Customer, you may individually
negotiate the interest rates.
If your monthly transactions
amount to PLN 100,000.00 or
more, you can choose to be served
by a dedicated DMBH broker, who
stays in touch directly with you.
The broker provides you with the most
important information derived from
analyses and recommendations
prepared by DMBH analysts, monitors
your account and informs of upcoming
events which can influence the pricing
of securities in your portfolio.
For more information please visit www.citigold.pl
Citigold
Credit Card
Mortgage Loan
Home Equity Loan
Home Profit
Extra Funds
to Realize Your Plans
Citigold
You may choose from various credit solutions that can make it
much easier to realize your plans or fulfill your dreams.
Credit Card
Home Equity Loan
The Citibank Credit Cards are
payment instruments recognized
and accepted all over the world. The
modern security measures, including
a microchip, suspicious transaction
monitoring system or one-time codes
sent in text messages for online
transactions guarantee the maximum
security of card payments.
Details and the current list
of partners can be found
at www.citirabaty.pl.
The contactless function makes
payments swift and convenient,
as you only need to tap your
card to the terminal.
For Citigold Customers, we
recommend the Citibank Gold and
Platinum credit cards, as well as
the exclusive Citibank World Elite™
MasterCard® Ultime credit card,
developed in cooperation with
LOT Polish Airlines and the Miles
& More loyalty scheme. Under
the Miles & More program, you
receive 10,000 miles as a welcome
offer and 1 bonus mile for each
PLN 3.00 paid by your card.
You may choose from a wide range
of cards, offered by us alone and
co-branded, prepared in cooperation
with carefully selected partners.
Each card ensures participation
in the wide-ranging discount
program, covering over 4800
points of sale throughout Poland.
The co-branded cards enable
you also to profit from special
offers and to collect points
under loyalty schemes, such as
Miles & More and PAYBACK.
Other benefits for the Ultime card
holder include: a 5% discount on
LOT airlines tickets, a rich and free
insurance package, assistance
services to help you in unexpected
situations, dedicated concierge –
top-class arrangement and booking
services, as well as a membership
in the Priority Pass program which
ensures access to Executive Lounges
at numerous airports worldwide.
Mortgage Loan
For Citigold Customers, we have
mortgage loans for high amounts,
even up to PLN 3 million, with
repayment period of up to 35 years, as
well as assistance with the formalities.
The home equity loan provides funds
that may be used for any purpose,
including the refinancing of other
loans. The key advantages include
attractive margin, funding level up
to 70% of the property value and
repayment period of up to 20 years.
Home Profit
Along with the mortgage loan and the
home equity loan, Customers receive
a free of charge discount card, which
grants them access to special offers
of Home Profit program partners.
Thanks to this, furnishing a
new house or a new apartment
will be pure pleasure.
Program details are available
at www.homeprofit.pl
27
Citigold
Card Payments without Currency
Conversion
Assistance with the Unexpected
Situations
Account and Card Monitoring
Contact from Abroad
The “Świat bez granic”
(“World Without Frontiers”) Insurance
Citigold and Travel
Citigold
We take care of your comfort and safety during your travels.
We offer access to our services from any place in the world
plus other practical solutions.
Card Payments without
Currency Conversion
Assistance with the
Unexpected Situations
Account and Card
Monitoring
You can profit from the unique
possibility to link your card with
a foreign currency account, free
of charge. Before departure to a
Eurozone country, we recommend
that you link your card with an
EUR account. This shall allow you
to avoid currency conversion, as
non-cash transactions and ATM
withdrawals made with the card
shall correspond to EUR amounts
booked on your account.
If your wallet is stolen or lost, you
may use the Emergency Cash service
at a Citi branch abroad, upon
presentation of your passport.
You may withdraw up to
USD 10,000.00 (or local
currency equivalent). This
service is available in more than
30 countries all over the world.
The CitiAlerts service offers
notifications on the balance and
transactions performed using your
account or credit card, sent in the
form of text messages or e-mails.
You can choose from two free of
charge service packages. It is up to
you to pick the most convenient one.
Additional control is ensured by the
Citi Mobile service, where you can
check your transactions at any time.
In order to change the account
link of your card, you only
need to call CitiPhone or to
log into Citibank Online.
For more information please visit www.citigold.pl
31
Contact from Abroad
You may conveniently contact
CitiPhone Gold in Poland,
using the single number
800-CITI-CODE (800-2484-2633).
This is a toll-free line (with the
exception of roaming charges
of your mobile operator and
any fees charged e.g. by
the hotels), accessible from
40 countries worldwide.
When travelling in other countries,
you may call CitiPhone by dialing
the regular number 48 22 692 2484
(fees as charged by your operator).
Citigold
33
The “Świat bez granic” (“World
Without Frontiers”) Insurance
For the holders of Personal Account
or the Citibank Credit Card, we
have prepared the insurance, which
ensures such services as coverage
of medical treatment costs in the
case of accident or sudden illness
abroad, instant Assistance, third
party liability insurance, insurance
for the loss or delay of luggage and
for the delay in flight departure.
Coverage is purchased for specific
travel, and may apply to travels
across Europe as well as
all over the world. To purchase the
insurance, just access
www.ubezpieczenienapodroz.pl
before your departure (the
policy shall be sent to the
indicated e-mail address).
Detailed information, including on
exclusions of the insurer’s liability,
is presented in the “General Terms
and Conditions for the World Without
Frontiers Insurance”, available at
www.ubezpieczenienapodroz.pl.
Insurance coverage is provided by
Europ Assistance Holding SA.
Citigold
Citibank Online
Citi Mobile
Domestic transfer
Operating Manual
for Electronic Banking
Citigold
Step 1
Go to www.citihandlowy.pl
Select English version of the service and click “Citibank Online” from the “Register” section.
Step 3
Enter your password and user ID. Click “Next”.
37
Citibank Online
Before using the service
for the first time please
register. During the
registration you will specify
a user ID and password,
which will enable logging
into Citibank Online
and Citi Mobile.
Step 2
Enter your debit card number and a 4-digit ATM PIN. Click “Next”.
Step 4
Select challenge questions and type in the answers. You will be asked challenge questions
when you forget your password. Click “Next” – you will sign on to Citibank Online.
If you have problems with
the registration you may
request the assistance of
Citibank Online Support
Team. Simply call:
48 22 692 20 90 or fill out
the contact form available in
“The first sign on” section.
Citigold
Citi Mobile Application
Browser version
Citi Mobile
Before you sign on to
Citi Mobile for the first
time, please register at
Citibank Online. You sign
on to Citi Mobile using the
same user ID and password
that you created for the
purpose of online banking.
For more information visit:
www.citimobile.pl
This version of Citi Mobile is available on every mobile phone without the need to install
additional software.
The application version of Citi Mobile banking is available for smartphones: iPhone,
BlackBerry and mobile phones running Android, after additional software
has been downloaded and installed.
Step 1
Step 2
Step 1
Step 2
In your phone’s Internet browser type
in the address: www.mobile.citibank.pl
Select English version of the service and
sign on using your user ID and password.
After logging in, you can use
Citi Mobile.
Download the application from one
of the stores below:
Click “Login”. On the next
screen, sign on by entering your
user ID and password.
GET IT ON
39
Step 1
Sign on to the portal, select the “Transfers” section and then
click “Transfers/Standing Orders”.
Step 3
Select the account from which you want to execute the transfer.
41
Domestic transfer
Step 2
Step 4
Click “Transfer to new payees” and select “Local Personal Payee”.
Type in the account number, name/full name and the list name of the recipient.
Citigold
Step 5
Type in the amount and transfer title and select its execution
date. Click “Next”.
43
Domestic transfer
1. If you plan to make more
transfers to the given
recipient, we encourage you
to add them to the payee
list. Subsequent transfers
will not require providing
data nor confirmation
via a transaction
authorisation code (TAC).
The recipient will be
displayed on the payee list
under their list name.
2. You can execute transfers
to the recipients added
in Citibank Online also via
Citi Mobile.
Step 6
Type in the transaction authorisation code (TAC) which will be sent to your mobile
phone and click “Send”. Your transfer has been ordered.
Citigold
45
Citigold
Important information
Detailed information on fees and commissions is available in the Fees and Commissions Table at www.citihandlowy.pl and at the Bank’s branches.
Investment consulting services are provided by the Bank exclusively for Customers who concluded the relevant agreement with the Bank, and only
with respect to products covered by such an agreement. The service provided by the Bank is limited to: open investment fund units and special
open investment funds denominated in PLN whose benchmark are solely indices of stocks or other financial instruments denominated in PLN, or
Polish interest rates (e.g. WIBOR), or whose investment goal is to acquire a pre-defined return rate denominated in PLN, entities and shares in open
investment funds or special open investments funds which invest their funds only in foreign assets or in both foreign and Polish assets provided
that the currency risk against PLN has been secured, in particular the so-called PLN-hedged units in the case of which the bank provides services
regarding the acceptance of and passing on orders for purchase or sale (excluding the Individual Pension Account in the meaning of the Act of
20 April 2004 on individual pension accounts and individual pension security accounts [IKZE] and Regular Investment Plans).
Insurance coverage under life insurance linked to Portfolio Strategies is provided by the insurance company AEGON Towarzystwo Ubezpieczeń
na Życie Spółka Akcyjna with its registered office in Warsaw (02-675) at ul. Wołoska 5, entered in the Register of Entrepreneurs of the National
Court Register maintained by the District Court for the Capital City of Warsaw in Warsaw, 13th Commercial Division of the National Court Register,
under number KRS 0000012318, Tax Identification Number NIP 527-22-79-881, with fully paid-up share capital amounting to PLN 333,000,000
(AEGON). Detailed information on Portfolio Strategies are included in the general insurance terms of AEGON TU na Życie S.A., available at authorised
Relationship Managers at the bank’s outlets. Bank Handlowy w Warszawie S.A. performs agency activities for AEGON Towarzystwo Ubezpieczeń na
Życie S.A. as insurance agent entered under no. 11120807/A in the register of agents maintained by the Polish Financial Supervision Authority (KNF).
The Customer may check the information on the Bank’s entry in the Register of Insurance Agents by submitting the relevant request to the KNF, and
in person at the KNF offices, at a computer terminal made available by the KNF during its business hours. Investment products are only available to
Citibank Personal Account holders. Investment- or savings-linked insurance products with a one-off premium are available exclusively to holders of a
Personal Account and those with regular premiums also to holders of a Citibank Credit Card. Insurance and investment products are not an obligation
of and are not guaranteed by Bank Handlowy w Warszawie S.A. nor by any of the subsidiaries or affiliates of Citigroup, except for those investment
products that are issued or guaranteed/underwritten by Bank Handlowy w Warszawie S.A. or a subsidiary or an affiliate of Citigroup. For investment
products, a capital protection and/or interest guarantee scheme, if any, is the responsibility of the issuer of the given investment product.
The investment products carry investment risk, including the possibility to lose the invested capital. Investment-linked insurance products carry
investment risk, including the possibility of loss of part of the invested capital. Any amounts receivable from an insurance agreement are secured by
the Insurance Guarantee Fund in the scope determined in the Act of May 22, 2003 on mandatory insurance, the Insurance Guarantee Fund and the
Polish Motor Insurers Bureau (Journal of Laws of 2003, No. 124, item 1152, as amended). This means that, should an Insurer become insolvent in the
cases defined under the Act on the Insurance Guarantee Fund, the Insurance Guarantee Fund shall cover in part the claims of beneficiaries under
the life insurance contracts, in the amount of 50% of the claims but not more than up to the Polish zloty equivalent of EUR 30 000.00.
The past performance of investment funds, investment portfolios, unit-linked insurance funds and the levels of market indices and foreign exchange
rates that affect returns on investment are no guarantee for their future performance or levels. The Bank does not offer legal or tax consulting
services to its Customers.
The English version of the material is for information purposes only. In the event of any discrepancies between the Polish and English
language versions, the Polish language version shall prevail.
Bank Handlowy w Warszawie S.A. with its registered seat in Warsaw at ul. Senatorska 16, 00-923 Warsaw, entered in the register of entrepreneurs of the National Court
Register maintained by the District Court for the capital city of Warsaw, 12 th Commercial Department of the National Court Register, under no. KRS 000 000 1538;
NIP 526-030­02-91; company capital of PLN 522,638,400.00, fully paid up. Citi Handlowy, Citibank, CitiPhone, CitiAlerts, Citibank Online and Citigold are registered
trademarks of entities from the Citigroup Inc. group. MasterCard and PayPass are registered trademarks of MasterCard International Incorporated. This advertising
material is only issued for information purposes and is not an offer within the meaning of Article 66 of the Civil Code.
10/2013
Insurance and investment products are not bank deposits. Insurance and investment products are not guaranteed by the State Treasury, the Bank
Guarantee Fund (except for amounts receivable from certificates of deposit and dual currency investments covered by the statutory guarantee
system pursuant to the Bank Guarantee Fund Act of December 14, 1994 – Journal of Laws of 2009, No. 84, item 711, as amended) nor by any other
governmental institution.