Citi Commercial Cards – Fraud Early Warning Transaction Services Citi Commercial Cards – Fraud Early Warning Alert Methods North America- US

Fraud Early Warning (FEW) Alert Methods Overview Client Benefits Citi Commercial Card continues innovating our overall communication strategy by implementing advanced technology to create a single source solution to contact cardholders via text message, e-mail and voice Cardholders are contacted when fraud is suspected on the cardholder’s account. Immediate communication with the cardholder will limit losses related to fraud and minimize cardholder impacts Security: Verify charges by replying to Citi’s text message—free of charge Timeliness: Receive immediate notification of suspect transactions for immediate action and self resolution Convenience: Confirm or refute suspicious activity immediately, even when traveling Contact Methods SMS Alerts, E-mail Notification and Voice E-mail Sends e-mail to the cardholder Cardholder confirms or denies charge by replying to the email or by calling Citi SMS Citi sends Text Message (SMS) to the cardholder Cardholder confirms or denies charge thru SMS or by calling Citi Voice Recorded system places call to the cardholder Cardholder confirms or denies charge during call with Citi Citi Fraud Early Warning Determines that the Cardholder Should be Contacted Enhanced Options Real Time Alerts - Accounts with current contact information will be permitted to self resolve low risk fraud alerts! Interactive Email & SMS - Clients can validate transactions electronically

Fraud Early Warning (FEW) Alert Methods SMS Alerts Receive and send free text message alerts regarding potentially fraudulent activity on your account(s). If the charge is yours, reply back as directed - no further action is required. If the charge is not familiar, respond back as directed and Citi will send you a follow-up text with a toll-free number to call for further resolution SMS message code for verification: 95686 Text message limited to 160 characters Two Way SMS Alert Example Free Text Msg: Citi Commercial Cards Fraud Dept; did you attempt to use your Corporate card for $257.38 at Target on 01/01/14?  If yes reply 1, if not reply 2. To Opt Out reply STOP E-mail Notice Our e-mail notifications are another way for you to stay in touch - whether you’re at your desk, out of the office or even traveling abroad. To verify your card activity, just reply to Citi’s e-mail message and connect to one of our fraud specialists. Alert Return Address for verification and email spam white-listing: Commercialcards.FraudEarlyWarning@Info3.Citibank.com E-mail Verbiage Example Re: Account ending in XXXX   <FNAME LNAME> Dear Valued Citi Commercial Card Client: Citi needs to verify recent activity on your <Corporate/Government> account ending in XXXX. Please call Citi Fraud Early Warning as soon as possible at 800-945-3114(collect at 904-954-7314) or at the customer service number listed on the back of your card. We appreciate your immediate attention to this request. Sincerely, Citi Commercial Cards Fraud Early Warning Department  This email laws system-generated. To unsubscribe from email notifications please click here.  If you have any questions about this message, please call the number on the back of your card or our Commercial Cards Fraud Warning Department at 1-800-945-3114. For international calls, please call us collect at 1-904-954-7314

Fraud Early Warning (FEW) Alert Methods Two Way E-mail Alert Example Voice When suspect transactions occur, an automated system allows you to listen to the recent activity on your account and verify this using the prompts on your phone. Did you miss our call? No problem! The 24x7 automated system allows you to call and resolve whenever it’s most convenient for you. Incoming calls from FICO will display 1-800-315-6215. Dear xxxxxxx We've identified possible fraud on your Corporate travel card account ending in 1234. As a security measure, we routinely monitor your account activity to prevent possible fraudulent use. During a recent review, we identified charges that we're concerned may be fraudulent Do you recognize this activity? Please review the following transactions to determine if they were attempted by either you or an authorized user: Merchant Amount* Date Location $2.11 01/17/2014 Unknown *Some transactions are authorized before the final sale and may not reflect the exact amount of your final charge. These can include purchases made at gas stations, hotels and car rental merchants. Charges on your account may be limited until we hear from you. We apologize for any inconvenience, but to ensure your account is safe, we may limit any further charges until we confirm the activity on your account is valid. If you prefer, you can call us to verify this activity. You can reach us at 1-800-315-6215, 24 hours a day, 7 days a week. If you've already confirmed the activity, you don't need to call again. Sincerely, Citi Commercial Cards Fraud Early Warning Department Treasury and Trade Solutions © 2014 Citigroup Inc. All rights reserved. Citi and Arc Design is a registered service mark of Citigroup Inc.