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2nd February 2009

More Than One Million Citibank Credit Cards Issued

Citi Handlowy is strengthening its position in the credit cards market. The bank has issued more than one million credit cards, and the portfolio of Citibank Credit Cards remains one of the largest in the Polish market.

In 1997 Citi Handlowy launched the first credit card in Poland accepted worldwide.

At the end of Q4 2008, the number of Citibank Credit Cards issued was 1,016,879. The Bank continues to be the market leader in the number and value of credit card transactions. Citi Handlowy is also one of the leading issuers of co-branded credit cards and offers its customers as many as four types of such cards: Citibank-BP, Citibank-ELLE, Citibank-LOT, Citibank-Plus.

Twelve years ago, Citi Handlowy, as the first bank in Poland, offered its customers a credit card accepted worldwide. Two years later, Citi Handlowy issued the first-in-Poland co-branded card - Citibank-Elle. In 2003, the bank, together with BP Polska, launched the Citibank-BP credit card. Today the Citibank-BP program is still the largest partnership credit card program in the Polish market.

The Citibank Credit Card Discount Program is also a big success. More than 3,200 points of sale all over Poland offering discounts to holders of the Citibank Credit Card make Citi Handlowy's credit card offer one of the most attractive in the market. Additionally, the Bank launched an innovative service for Citibank Credit Card holders via SMS messaging. Thanks to this service, Citi Handlowy customers can quickly and easily check the addresses of the nearest points of sale offering attractive discounts on purchases made with the Citibank Credit Card by simply sending one SMS text message to 70233.

The Bank was one of the first banks in the market to offer the holders of the Citibank Credit Card the opportunity to make card payments in monthly installments. The holders of the Citibank Credit Card were also the first in the Polish market to be able to independently divide payments made in e-shops supported by e-Card into installments.

The holders of the Citibank Credit Card can also use their mobile phones to control their finances. CitiAlerts, sent in the form of an SMS text message to the customer's mobile phone, can notify customers of credit card outstanding balance, date of repayment of the outstanding balance, or card transactions.

For greater safety of the Citibank Credit Card holders' money, the Bank also offers cards with added security features, such as a photo and a signature of the holder on the front of the card. In the case of cards protected in this way, Citi Handlowy assumes the responsibility for unauthorized transactions made without the knowledge and consent of the holder 72 hours prior to reporting a loss or theft of the card. Additionally, the Bank protects the customer's money through an early warning system; the Bank continuously monitors transactions made with credit cards and it acts immediately in the case of any suspicious transaction. Then a CitiPhone Officer contacts the card holder to confirm the transaction.

Detailed information on the Citibank Credit Card offer and the above-mentioned services can be found at www.online.citibank.pl or by calling: 0 801 66 66 66 or (22) 692 2082.

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