Adhesion Contract Registration number: 2144-004-031146/02-03893-0819

INDIVIDUAL CURRENT ACCOUNT CREDIT OPENING CONTRACT (THE CONTRACT), ENTERED INTO BY CARDS
BANAMEX, S.A. DE C.V., SOFOM, E.R. MEMBER OF THE BANAMEX FINANCIAL GROUP, HEREAFTER REFERRED TO AS
"BANAMEX CARDS" AND THE PERSON WHOSE NAME AND SIGNATURE APPEAR ON THE APPLICATION, WHO SHALL HEREINAFTER BE DESIGNATED
AS "THE CLIENT"; SUBJECT TO THE FOLLOWING TERMS AND CONDITIONS:

INDEX

Under this Contract, the Client hires, subject to the corresponding credit approvals and the terms and conditions set forth in the
same

I. CREDIT CARD (according to the issued product)

II. ADDITIONAL CREDIT LINE COMPLEMENTARY TO YOUR CREDIT CARD

III. ELECTRONIC BANKING SERVICE

CHAPTER I. DEFINITIONS
CHAPTER II ON OPENING, DISPOSITION OF CREDIT AND MEANS OF DISPOSITION..........................................................3
CHAPTER III. OF ELECTRONIC BANKING
CHAPTER IV. ACCOUNT STATUS AND CLARIFICATIONS
CHAPTER V. PAYMENT OF THE LOAN, INTEREST RATES AND COMMISSIONS
CHAPTER VI. GENERAL PROVISIONS

CHAPTER I. DEFINITIONS patterns in retinal iris, signature in electronic media, among others,
through which Instructions are authorized to carry out Operations
1. TERMS.- The terms whose initial is written in uppercase will have the Electronics.
following meanings, regardless of whether they are used in singular ATMs - It means the self-service access device
the plural: that allows the Client to carry out inquiries and Electronic Operations
Audiomatic - It means the Audio Response Telephone Banking service. various, such as cash withdrawal and balance inquiry,
property of Citibanamex and which is part of Electronic Banking, which is among others.
accessible through the use of the phone, and whose use allows the Client Credit Coverage: It means the document that is given to the Client.
send to Banamex Cards Instructions, using the Electronic Signatures as according to the provisions of this Contract and in which the details are specified
means of expression of the Customer's will. specific characteristics such as credit line, CAT, cut-off date
Additional Line Notice / Invitation Disposition Notice - Communication and Payment Due Date of the credit associated with the Card that, if applicable, is
sent by Banamex Cards to the Customer informing them, through any means has granted to the Client under this Contract.
that Banamex Cards have available, the possibility of having a Line Citibanamex - It means National Bank of Mexico S.A., part of
Additional or a quantity over the Credit Line, as applicable, as well as Banamex Financial Group. Recurring Charge/Automatic Charge.
the maximum amount, the payment term, the annual interest rate, commissions that in their Periodic charge made to the Card at the Client's request, and/or
in case they apply and the deadline for their disposition. The disposition of the Line Additional cardholder, either directly to Banamex Cards or to
Additional and the amount of the Credit Line derived from the Notice of Disposition through the establishments, for payment for goods or
By invitation, it can be done at Citibanamex branches and through the services provided to the Client and/or Additional Cardholder, by
Electronic Means that Banamex Cards make available to the Client to said Establishments. The request may be made by the Client and/or
such effect, in accordance with the provisions of this Contract. Additional Cardholder, through the means that Banamex Cards or
Electronic Banking.- It means the set of Electronic Operations that the the establishments make available to you and where it can be recorded
parts may carry out through Electronic Means. your will.
Internet Banking.- It means the Electronic Banking service carried out through CAT.-Total annual cost of financing expressed in terms
from the worldwide electronic network called 'Internet', including access annual percentages that, for informational and comparison purposes
via the WAP protocol or an equivalent one, which can be through the Portal It incorporates all costs and expenses inherent to the credits.
from the Internet or in any other that Citibanamex makes available to the Client. CONDUSEF.- National Commission for the Protection and Defense of
Mobile Banking.- It means the Electronic Banking service in which the Device Financial Services Users. The contact details of that Commission
of Access consists of a Client Mobile Phone, whose line number is phones: 5340 0999 / 01 800 999 8080, your internet address:
find associated with the Electronic Banking service. www.condusef.gob.mx y who email electronic
Telephone Banking Audio Response - It means the Electronic Banking service [email protected]
through which Banamex Cards receives Customer Instructions via a Email - Means the location or internet address indicated.
telephone system, and interacts with the Client through voice recordings by the Client in any of the documents that are part of the
and tones or voice recognition mechanisms, including the systems of Contract or through subsequent communication that the Client makes to Cards
interactive voice response (IVR). Banamex a through which the Client can send y receive
Voice-to-Voice Telephone Banking.- It means the Electronic Banking service through communications.
which a Client instructs by phone to carry out Electronic Operations Credit considered Past Due for Accounting Purposes: is one that
through a duly authorized representative of Banamex Cards, with present any of the following two assumptions (i) 2 (TWO) periods
specific functions, which may carry out Electronic Transactions on behalf of expired billing statements or in case the period of
of the Client itself. billing is different from the monthly corresponding to 60 or more days
Biometric/Biometrics: It is an Authentication Factor that is part of the natural of the defeated, that is, whose capital and interest or both have not been
Electronic Banking, which consists of information about the Client from their own settled during that period under the terms originally agreed upon or,
physical characteristics, such as fingerprints, hand geometry or

BANAMEX CARDS, S.A. DE C.V., SOFOM, E.R., MEMBER OF THE BANAMEX FINANCIAL GROUP. Page 1
(ii) it is known that the debtor is declared in bankruptcy proceedings Short text message or SMS - It means the short message service to
in accordance with the provisions set forth in the applicable regulations. Mobile Phones via a message center.
Business Day.- The days of the week when financial entities are not Data Message.- It means the information generated, sent,
required to close their doors or suspend operations, in terms of the received, archived or communicated through Electronic, optical Media
general provisions issued by the National Commission for this purpose or any other technology.
Banking and Securities. Authorization Number.- It means the numerical identification that, in its
Access Device.- Means the equipment that allows the Client to access the case, issue the Electronic Medium derived from an Instruction. In the
Electronic Banking Service. Electronic Media the Authorization Number can be identified under
Immediate Delivery.- Sales process through which the intent is the delivery of various denominations, such as: Transaction Number, Number of
the Customer Card on the same day the request is made, subject to Operation, Reference Number, Instruction Number, all of them
the corresponding credit approvals. synonyms.
Establishments.- Suppliers of goods, services, and, if applicable, cash. Electronic Operations.-They refer to all those operations
affiliated with institutions associated with national or international payment systems. banking, monetary, service, or administrative that the Client may
Authentication Factor.- It means the tangible or intangible mechanism, based carry out through Electronic Means by sending
(1) Biometry or physical characteristics of the Client; (2) on devices Instructions. In an enunciative manner, but not limited to, the following are mentioned:
one-time password generators or OTP or (3) information that only the Client following Electronic Operations; (i) credit contracting; (ii) payment
know, being able to be: (i) that which Citibanamex validates through questionnaires of credits granted by Banamex Cards and, if applicable, by others
practiced by call center operators; or (ii) passwords or financial entities; (iii) payment for goods or services to third parties; (iv) exchange
personal identification numbers. Through which they allow verification the of Confidential Number; (v) checking balances, movements, and states of
identity of a user and their ability to perform Electronic Operations to account; (vi) any other that from time to time will be made known to you by Cards
through Electronic Media. Banamex to the Customer.
Payment Deadline: It is the date indicated on the Cover Sheet and stated in the Statement.
Payment for Services.- Charge made to the Card at the request of the Client and/or
Account in which the Client is obligated to cover the total or partial payment of the balance.
of the Additional Cardholder for the payment of services at Branches
of the credit. Citibanamex, establishments, or other means implemented by cards
Electronic Signature, Access Keys, Confidential Key, PIN, Number of Banamex for that purpose and that Banamex Cards inform you in a timely manner.
Personal Identification (PIN), Access Device, Factor(s) of to the Client.
Authentication, Token, NetKey, Confidential Key or Number or Signature
Advanced Electronics, Biometric(s), or any other that is added or Mobile Payment.- It means the Electronic Medium accessible to the Customer to
design (being applied individually or jointly any through the use of the Mobile Phone, whose unique identification number is
of them).-They mean the data in electronic form used by the Client to find associated with an account, allowing the Client to carry out among others the
identify themselves in front of Banamex Cards and/or in front of the member companies, following Electronic Operations: (i) balance inquiry; (ii) operations
affiliated, subsidiaries of the same financial group of which Banamex Cards is part limited monetary payments or transfers of monetary resources up to
part, with the aim of accepting the attribution of the Instructions sent to for the amount established in the applicable legal provisions, charged to
own Banamex cards or to the other members of the financial group of which to the cards that are associated with this medium; as well as, (iii)
Banamex cards are part of, recorded in a Data Message, or attached. service management.
or logically associated with it by any technology, which are used to Payment Personal Plan: It means the program for the partialization of balances
identify the Client in relation to the Data Message as well as to indicate from the Credit Line at a preferential fixed rate refers to the
that they approve the information and instructions contained in the Data Message clause 21 of this Contract.
transmitted. The Electronic Signature will have the same legal effects as the signature Internet Portal/Citibanamex Portal.- It means the electronic address
autographed, being admissible as evidence in court under the terms of the legislation from Banamex Cards within the global network known as the Internet and
applicable. identified as "www.citibanamex.com" or any other that Cards
Personal Identification Numbers are generated by the developments. Banamex will notify the Client through a notice sent via
technological features of Banamex Cards so that their configuration is any of the means specified in this Contract.
unknown to Citibanamex, Banamex Cards and/or its employees y Programs.-Benefit schemes, services, insurances, and other schemes
employees, and that once delivered to the Client allows for its use, activation and applicable to each Card.
modification under your strict responsibility, so the use of them will be REUS.-Public Registry of Users-Individuals.
full responsibility of the Client, even in the event of fortuitous cases or force majeure. Credits in favor.-It means payments that exceed the amount owed.
Instruction.- It means the order or directive sent by the Client to Cards. by the Client, which will be reflected in the account statement under
Banamex through any Electronic Means, through which they agree on the said concept.
celebration of Electronic Operations. Application.-It means the page of general data, an integral part of the
Additional Line.- Additional complementary credit whose payment is made with present Contract in which, among other things, the information is recorded
cargo to the Credit Line under the characteristics and conditions established general of the Client.
in clause 19. Branch.- Those belonging to Citibanamex.
Credit Line.- It has the meaning attributed to it in clause 2. Card/Citibanamex Card.-Means of accessing the Line of
Media of Communication.- It means any of the Electronic Media, Credit consisting of a series of data that, when processed through
optical or any other technology used through the use of a Signature determined systems allow starting a charge instruction to the account
Electronics and made available to the Client by Banamex Cards to which they are associated or, if applicable, a credit product with the refund
including microsites and related third parties, so that the Client can related to said position for claims, when appropriate, and that,
upon prior approval, Banamex cards will be issued in the name of the Client, and/or
carry out the sending of Instructions and their execution. Such Means of
Communication is enunciative and not limited to: BancaNet, Banamex Line the Additional Cardholders, for their use in national territory, and/or
Digitem, Mobile Banking, Audiomatic, Telephone Operator, Blink, among others, international.
being able to use Banamex cards at any time and without prior notification Additional Cardholders.- Persons designated by the Client and Cards
either add or remove any means of communication. Banamex approves, to issue them Additional Cards.
Electronic Media.- Means all those devices, optical media or Additional Cards.- Cards issued in the name of Cardholders
any other technology, automated data processing systems and Additional.
telecommunications networks, whether public or private, which allow for Banamex Cards.-Banamex Cards S.A. de C.V. Sofom E.R.
the Client sends Instructions to Banamex Cards and receives notifications from it member of the Banamex Financial Group (Banamex Cards) is a
latest in electronic and remote form for the execution of Operations financial company with multiple purposes for its constitution and operation
Electronics, as well as for me to make balance inquiries and movements of your such character does not require authorization from the Secretary of Finance and
Card. For the purposes of this Contract, Electronic Media includes, Public Credit.
by way of illustration but not limitation, Electronic Banking, Automated Teller Machines, Mobile Phone.- Refers to the Client's Access Devices to
Point of Sale Terminals, able to use Banamex Cards, at any time telephony services, which are assigned a unique number of
and without prior notice, increase or eliminate any Electronic Means. identification and use cellular or public radio frequency communication.
Point of Sale Terminal.- They mean the Access Devices to
Electronic Banking service, such as computing terminals, Telephones

BANAMEX CARDS, S.A. DE C.V., SOFOM, E.R., MEMBER OF THE BANAMEX FINANCIAL GROUP. Page 2
 Adhesion Contract Registration number: 2144-004-031146/02-03893-0819

Mobile devices and computer programs, operated by third parties to instruct the payment of contract, referring only to a different presentation of the same Card
goods or services charged to the Card. as a means of disposal of the Credit Line for which the charges
Specialized Unit.- It means the specialized unit for user attention. charges to the Credit Line will be made with this.
of Banamex Cards whose purpose is to address any complaint or claim from the The Client is obliged to collect and maintain the data related to the name.
Client and who is located at the address indicated in the Credit Cover Page and the completo
which account has the following phone number in Mexico City: (55) 12 26 45 83 and country of birth
his email is:[email protected]. telephone numbers where they can be contacted, email, if applicable,
This Specialized Unit has personnel in each State of the Republic Unique Population Registration Code, Federal Registration Code
Mexican whose data can be obtained by the Client at any Branch or Taxpayers (with homoclave, tax identification numbers as well as
through the Directory of Specialized User Assistance Units that the country or countries that assigned it, when available, and Number of
it carries the CONDUSEF. series of the Advanced Electronic Signature, when it has it, as well as
the identification documents of the Additional Cardholders:
Window.- It means the windows of the Citibanamex branches and/or of the official identification, Unique Population Registration Key Certificate,
bank commission agents or correspondents where operations can be conducted or Tax Identification Card, issued by the authorities
compliance with the provisions of this contract. respective, when Additional Cardholders have them, thus
CHAPTER II. ON THE OPENING, DISPOSITION OF CREDIT AND as of the Advanced Electronic Signature, when the latter have
DISPOSAL METHOD. her and proof of address if applicable, available for Cards
Banamex for your inquiry and, if applicable, submit them to the authority
2. OPENING.- This clause establishes the bases, terms and corresponding at the moment when the latter so requires it to
terms of service, in accordance with sound banking practices and usages Banamex Cards.
commercial, through which, subject to credit authorizations The Card and, where applicable, the Additional Cards requested by the Customer or
corresponding, Banamex Cards, opens a Credit Line for the Client in redeemed for Banamex Cards, will be delivered to the referred address
current account in local currency associated with a Card to be in clause 28 directly to the Client, to the Additional Cardholders,
exclusively intended to meet your personal needs, up to the or to the person over 18 years old who is in the same prior
amount that Banamex Cards approve and communicate to the Client for any identification and signature of the corresponding acknowledgment or by direct mail,
medium and/or indicated in the account statements referred to in clause 12. informing the Client of the delivery once it has been made by said
Banamex cards are obligated to pay on behalf of the Client for goods, services. mid. The delivery of the Cards can also be made at the Branches and
and, in this case, the cash provided to you by the Establishments, other delivery mechanisms for the Cards may be implemented that
compliance with the provisions of this Contract. Banamex cards I was able to enable and under the conditions that I informed to
The Credit Line does not include interest, fees, Customer in a timely manner. The cards will be delivered unactivated and may only be
taxes, expenses and other accessories that are incurred under the terms of this to be used once the Client or the Additional Cardholder requests it
Contract. The Credit Line may be unilaterally reduced by carrying out the activation and security process that Banamex Cards provide you
Banamex cards, based on credit behavior and capacity indicate promptly. Banamex Cards will make available to the Client
Customer payment. In case of a decrease in the Credit Line, Cards through the Card issued the information relating to the digits of
Banamex will notify the Customer through a communication addressed to the unique identification of the Card, the expiration date, the brand
customer's address referred to in clause 28, or through the account statement commercial under which the card is issued entered into with the company holder of
or a short text message or SMS. Also, Banamex cards, based on that brand, the card security code, assigned as additional data
the credit behavior and payment capacity of the Client, may formulate security in the conduct of non-face-to-face operations with card.
an offer to the Client to increase the Credit Line limit, which must be Such information may be made available to the Client on the Card.
to be expressly accepted by the Client through any means issued by Bancanet and Mobile Banking, when it comes to Cards
that have Banamex cards enabled for this purpose and that are indicated in exclusively installed on mobile phones through applications for
your case in the offer letter; once expressly accepted by the to be read at Point of Sale Terminals of the Establishments.
Customer, Banamex Cards will proceed to carry out the increase of the limit of The Additional Card can only be activated if the Customer's Card is already
the Line of Credit. The Client may at any time cancel the is active. In case the Card is requested via Delivery
increase the Credit Line or request reductions to it, Immediately, the activation of it can be carried out at the customer's request,
calling the Cardholder Call Center at the moment when the Card is handed over. Banamex cards do not
Citibanamex. charges can be made to inactive cards, except for the charges of
The Credit Line will be reinstated on the same day that the payments are Recurring/Automatic Charge and others previously authorized by the
accredited in accordance with the provisions of clause 16, and the Client Client or Additional Cardholder, when the Card is replaced. By
he will be able to recover the amounts he has paid, without prejudice separated, Banamex Cards will deliver to the Client and, where applicable, to the
from what is established in clause 27. Additional cardholders their respective PIN.
Both parties agree that Banamex Cards will assign a number The Client and the Additional Cardholders will be the only and exclusive ones
of internal account for identification purposes of the contracted Card, to responsible for the provisions of the Credit Line and for the use of the
this number will be known interchangeably as 'Account Number' and/or Cards, activated through the mechanisms provided herein
Contract Number, as well as a Customer number that identifies this Contract. When the Client and/or Additional Cardholders make a mistake
last, said customer number, Banamex Cards will be able to do it from use of the Cards, whether in excess of the Credit Line limit
customer knowledge through any means that you have enabled approved, or by presenting them as a means of payment afterwards
for that purpose. cancellation, they will be entitled, in their case, to the penalties of the legislation
civil, commercial and criminal that are applicable.
3. ISSUANCE, DELIVERY, ACTIVATION, SECURITY AND USE OF THE Banamex Cards accepts Additional Cardholders as debtors
CARDS.- As a means of disposition of the Credit Line, Cards substitutes, when after the death of the Client they continue to use
Banamex will issue the Card and, where applicable, the Additional Cards that the Client the card and regarding the charges made.
I requested and Banamex cards approved, which will be for exclusive personal use. The Client, when so established by the applicable provisions issued
non-transferable of the Client and/or Additional Cardholders. The Cards by Banco de México, may instruct Banamex Cards through the
additionally, they can be installed on mobile phones through applications Electronic media that has enabled Banamex Cards for this purpose,
to be read at Point of Sale Terminals of the Establishments. The Client the blocking of payment processing with the Card or Additional Cards,
and Banamex Cards agree that the use of the installed Card presentation referring to certain access means involved in it
The Mobile Phone is subject to the terms and conditions of this agreement. processing, as well as the establishment of maximum limits regarding the

BANAMEX CARDS, S.A. DE C.V., SOFOM, E.R., MEMBER OF THE BANAMEX FINANCIAL GROUP. Page 3
 amount for which operations can be carried out with the Card, or where applicable, Cards Banamex cards, once activated, will allow you to withdraw cash from the Line of
Additional, as well as regarding its exclusive use in operations in the territory Credit through obtaining cash at the branches
national. The referred blockages or limits will be understood for an indefinite time, Citibanamex, and/or at ATMs and/or establishments and/or through
unless there is an express instruction from the Client stating otherwise. from the banking commission network or by crediting a deposit account
Banamex cards reserves the right to offer to the Client at any time of the Client at Citibanamex and/or of third parties through Internet Banking
conditions more favorable than those established in this contract, as long as mobile banking and/or telephone banking, the above either through
these conditions are in the benefit of the Client themselves, without that situation being subscription of promissory notes or proof of disposal or others
understands as a waiver of the agreed conditions in this contract. The documents or means that are accepted by Banamex Cards or by
The parties agree that the terms and conditions established herein instructions from the Client or Additional Cardholder in writing or
Contract, governs the relationship regarding the Credit Line granted by Cards through Electronic Banking through Electronic Means that
Banamex to the Customer and therefore, such terms and conditions will remain be enabled by Banamex Cards for this purpose, within the limits,
in force and will apply even when the card number is changed conditions and commissions that are established. Banamex cards
originally delivered to the Client or their Additional Cardholders, such as may restrict or limit the cash provisions of the Line of Credit
consequence of theft, loss, or for any other reason. which will inform the Client in their Statement. Banamex cards
interest will be charged for cash withdrawals from the Credit Line
calculated based on the daily outstanding balance of said provisions from
4. PROVISION.- Banamex cards may make charges on the Credit Line. the application date of the transaction until the total amortization of the balance
of the Client and Additional Cardholders, for the amount of payments for goods, of the disposition.
services, contributions, cash provisions, interest and commissions The Client agrees that as a means of expressing their will and/or the
agreed upon, Recurring Charges that the Client and/or the Additional Cardholder in of the Additional Cardholder, in the provisions of the Credit Line,
in your case, make and authorize by any of the following ways: his/her signature will be used, as appropriate, and/or in his/her case the one of
a) The signing of promissory notes or vouchers made out to the order of Cards Additional cardholder, the presentation and use of the card in
Banamex or other documents that are accepted by and in favor of Cards Establishments, their Electronic Signature or PIN and/or that of the Cardholder
Banamex, or by simply presenting and/or using the Cards on devices or Additional. The provision of information about the Cards via voice (telephone),
electronic systems of the establishments for the payment of merchandise, goods, or by email, or the presentation and use of the Cards in the
services authorized by the Client or the Additional Cardholder, with the simple use ATMs or other electronic or automated equipment of the
of these mechanisms Establishments also constitute means of manifestation of the
b) Use of at least two independent elements to authenticate the will.
operations as authorized by the Client or Additional Cardholder, whether to For identification or security reasons and at the request of Citibanamex,
moment to perform the operation or alternatively, only one of said factors is used in Banamex cards or those from the establishments, the Customer agrees to present
time to carry out the operation and another time to deliver the good or service in addition to the Cards, when required, an official identification
acquired by virtue of said operation. The referred factors can be valid with photograph and signature, when making provisions of the Line of
information provided by the Issuer to the Client or Additional Cardholder or Credit. In case of cash withdrawals from ATMs or others
allows this one to generate it, under the understanding that only this one knows it to enter it automated equipment of the establishments that require it, the
to the system, such as password, PIN, or Electronic Signature or information The client must enter their PIN.
content or generated by electronic means or devices, including the In the case that the Cards have an integrated microprocessor,
stored in the integrated circuit or chip, as well as information derived from configured to operate with Electronic Signature, the Client must enter their
characteristics specific to the Client or additional Cardholder, such as fingerprints Electronic Signature, having 4 opportunities to enter them correctly,
fingerprints, hand or facial geometry, retinal patterns, among others, thus so if I were to enter it incorrectly for the fifth consecutive time, the
like that other information authorized by the Bank of Mexico. Card will be disabled and will not be able to continue making transactions
c) Purchase and/or service orders that the Client and/or Additional Cardholder, Electronics through the integrated microprocessor, without prejudice to the fact that the
contact establishments directly via telephone, internet or other means made by the other means enabled for that purpose. In case that the
electronics without the presentation of the Card, in accordance with the terms of the If the card is disabled, it will be necessary to present it at any branch of
authorization provided by the Client and/or Additional Cardholder, being Citibanamex for its enablement.
he is responsible for the purchases and services acquired, as well as for verifying that The PIN and the Electronic Signature can be modified at any time.
the person or means to whom you provide information about your Cards is by the Client under their responsibility in Citibanamex branches and may
authorized by the Establishment for that purpose. In the case of Operations be different from one another. The Client shall be responsible for the misuse that occurs
Electronic communications made by phone or via the Internet will be carried out make of the PIN, of the Electronic Signature and/or of any access key or of
the identity verification processes of the Customer and/or Additional Cardholder personal identification that will be implemented in the future, allowing for the
in the case that Banamex Cards have been agreed upon with the Establishment. use of electronic means, electronic systems, automated or
d) Authorization of Recurring Charges/Automatic Charges through a signature telecommunications, thus releasing Tarjetas from any responsibility
signature in the corresponding formats or when it is provided by other means Banamex and/or Citibanamex when providing such information to third parties
electronic authorization through Authentication Factors, directly to whether voluntarily or involuntarily.
Banamex cards regarding the Recurring Charge services that it offers The omission by Banamex Cards in the exercise of rights
or through the Establishments. that derive in their favor from this contract, under no circumstances should
e) Instructions from the Client in writing, or through Electronic Banking to be understood or will have the effect of being considered as a waiver of the
through the Electronic Media that are enabled for this purpose, so that the same, as well as the partial exercise of a right derived from this
Banamex cards: the disbursement of the Credit Line through deposit to The contract by Tarjetas Banamex does not exclude the possibility of exercising.
a customer deposit account or the payment of credits granted to the customer by any other right or authority.
other credit institutions or financial societies charged to the Line of
Credit, when that service is enabled. The payment made to anyone 4.1 CANCELLATION CARGO RECURRING/CHARGE
from the Client's accounts for the allocation of the Credit Line or for the AUTOMATIC.-The Client and/or the Additional Cardholder will have the
payment of the credit, as applicable to the instruction received, will be sufficient proof right to request, without any requirement and at any time, the
of the credit arrangement. cancellation of the authorization for recurring charges to your Card without
Charge for Payment of Services. no liability whatsoever to Banamex Cards. Such cancellation request
g) Charges from generated commissions, overdue agreed interests, and not it can be presented to Banamex Cards at any time, without it
paid for the period, as well as taxes that have been generated in the last requires prior authorization from the respective suppliers of goods
period and that are not paid by the Client by the Payment Deadline. or services. The aforementioned cancellation will take effect within a period not exceeding 3
h) Charges arising from the Additional Line in accordance with the agreed terms in (three) Business Days counted from the date of submission to Cards
this Contract. Banamex of the cancellation request in writing with a handwritten signature of the
i) Other forms of disposal that Banamex establishes, authorizes, or accepts Client or Additional Cardholder, therefore from that date
in the future. Banamex cards will reject any charges for this concept.
The Parties agree that the main form of disposition of the Credit Line
It shall be in accordance with the previous paragraphs; however, the Client, when

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 Adhesion Contract Registration number: 2144-004-031146/02-03893-0819

5. PARTIALIZATION AND DEFERMENT OF CHARGES.- Banamex Cards 8. PROCEDURES IN CASE OF THEFT, LOSS
It may partially charge and/or defer the charge of each provision of the Line of Credit. RETENTION AND UNRECOGNIZED CHARGES.- In case of theft,
carried out by the Client under the terms and conditions of the promotions of loss or retention in ATMs or other automated equipment
Banamex cards and/or those of the establishments. In the case of partialization of from Citibanamex or third parties, from the Cards, the Client and/or Cardholder
charges, Banamex Cards will make partial charges to the Credit Line of the Additionally, in your case, you must notify it immediately; such notice may be
Card for the amount resulting from dividing the amount of the Line withdrawal personally presented at any of the Citibanamex branches or to
of Credit, between the number of months of the installment plan that is offered. In through the Banamex Credit Card Customer Service Center
In the Account Statement, the Client will be able to consult the specific CAT of each one. at the following phone numbers in Mexico City 1226-2639 or 2262-
the provisions, considering the deadline and other conditions of the provision 6391, from another city 01-800-021-2345 or through Media
partialized. In the case of promotions for deferred positions, Banamex Cards Electronics that are enabled for such purposes. In case the Client
the charge will differ or be delayed according to the agreed time period established in do not agree with any of the charges that appear in the statement of
the offer; during the deferral period, the deferred provision will not generate account, may submit the corresponding clarification notice, which
any charge for interest. Banamex cards will proceed to demand it. must present personally in writing at the Branch of your
the payment of the disposal on the cutoff date of the corresponding month, according to preference, before the Telephone Support Center on the phones before
to the deferred period offered. If at the time of demanding payment, the Client does not settle mentioned or to the [email protected] before
the total amount will generate ordinary interest, late fees, or commissions as per to your Specialized Unit via phone 12264583 or email
respond according to what is established in clauses 14 and 15 of this document [email protected] well as through Electronic Media that
Contract. In the Account Statement, the Client will be able to see the charge that is Banamex cards available for such purposes, within a deadline of
being deferred. The total amount of the drawdown of the Credit Line is both in 90 (ninety calendar days) following the date on which the charge was made
partialization of charges as in deferred charges will immediately reduce the not recognized in the account. Upon notification, in case of theft or loss,
available balance of said Line of Credit. Banamex cards will proceed to block the card, without liability.
for the Client for charges incurred after their notification, except
6. CHARGE OF THE DISPOSITIONS MADE IN THE those Recurring Charges or others previously authorized by the Client
FOREIGNER AND EXCHANGE RATE.- Banamex cards will be charged to the Line of Additional Cardholder. Banamex cards will provide the Client
Credit of the Card the amount of the withdrawals made abroad
The Additional Cardholder, at the moment it has been presented the
invariably in national currency such charge will be equivalent to the amount that
notification corresponding, when it has been personally or through the
result of the currency exchange operation that corresponds to convert to currency
Call Center or within 24 (twenty-four) hours
national the amount of the respective payment or disposition of amounts in cash
subsequent ones when it has been presented through electronic media, a
made with the Card. The exchange rate that will be used to calculate the
key or reference number of the notice that you should keep for future reference
equivalence of the peso in relation to the United States dollar, no
clarifications, as well as the date and time when it was received. Likewise,
it may exceed the amount resulting from multiplying by 1.01 or 1.005, as applicable
Banamex cards, when so established by the applicable provisions
correspond to the current factor determined by the Bank of Mexico in its
issued by the Bank of Mexico, within a maximum period of 2 (two) Business Days
applicable provisions, the exchange rate that the Bank of Mexico will disclose
following the presentation of the notice for clarification or theft or loss of
the same day that it is determined through its website, as the 'type
Additional Cardholder will provide the Client with
of the change FIX" that, in turn, is published in the Official Federal Gazette
through any of the means provided in clause 22, a report
the next immediate Business Day that corresponds to the last available one in that
that includes at least the scope of the Client's responsibility for the
website at the moment when Banamex Cards: i) have authorized the payment
charges to your account, date and time you received the notice, the status of the
or respective disposition or ii) must carry out the settlement of the amounts
investigation carried out in response to the notification presented. The Client
corresponding to said position in accordance with the agreements made by Tarjetas
You must notify Banamex Cards in case charges appear.
Banamex to the effect with the acquirer, the clearinghouse or receiver of fraudulent transactions resulting from theft or loss of the Card, in which case
respective payment, concerning operations in which the Client or Cardholder
Banamex cards will credit the fraudulently made transactions.
Moreover, authorize, preliminarily, an initial charge and subsequently a
since the 48 (forty-eight) hours prior to the report or notification of
final charge for the same operation that involves the update of the amount in case of theft or loss, the corresponding reimbursement will be made, provided that
preliminary previously authorized. Banamex cards may carry out the operation
the Client: has immediately notified Banamex Cards of the theft or
exchange rate to which this clause refers considering the exchange rate
loss, in terms of this clause and will be regarding the charges that do not
corresponding at a time different from the two previous sections, when so it is
it was authorized by the Bank of Mexico, in which case it will inform the Client of this situation.
are recognized by the Client or Additional Cardholder, as long as not
have been carried out or authorized by them in accordance with the provisions of the
compliance with the procedure referred to by the Bank of Mexico in the authorization
current provisions issued by the Bank of Mexico.
respective. In case of payment or disbursement of amounts in cash with the
Banamex cards will not be obligated to credit or cover the amount to the Customer.
The card is to be made in a foreign currency other than the United States dollar.
United States of America, the charge that the Broadcaster makes in national currency in the account
of the provisions made outside the previously indicated coverage period
it will be in accordance with the provisions set forth by the Bank of Mexico in its related regulations. or those whose execution the Client or Additional Cardholder may have
authorized in terms of the current provisions issued by the Bank of
Mexico, in this last case, as long as it is delivered to the Client
7. ACCEPTANCE OF THE CARD AND QUALITY OF THE GOODS AND
within the deadline set forth therein, the opinion or certification in which
SERVICES.- Banamex cards do not assume any responsibility in case of
it is verified that the charges subject to the respective notice were made
other credit institutions or establishments refuse to accept the Cards,
in the terms provided. Banamex cards reserve the right to exercise
or for any other reason these are not accepted as a means of disposition of
the legal actions that correspond in case of events in
cash or as a means of payment for the goods or services purchased by
what the Client or Cardholder has voluntarily participated in
the Client or provided to it, or due to quality, quantity, defect or suspension
Additional or any person authorized by this or those carried out under
of the service in ATMs or other automated equipment, or for any
the tacit acceptance of the Client. In the event that Banamex Cards
another reason why the Client is unable to make transactions and/or carry out the
I would have made the payment of the amount of the charges not recognized by the
payments for said goods or services. The Client may not demand in any case
Customer or Additional Cardholder, in accordance with the provisions
cash refunds, but you must request the receipt from the Establishment
applicable laws, and this in the possibility of demonstrating that the Client or
respective bonus, the amount of which must be recorded as a credit in the statement
one of the Additional Cardholders was the one who authorized the charge of
of account, otherwise the Client must file the respective complaint
compliance with the current provisions issued by the Bank of Mexico;
to the Establishment.
it may reverse said credit, by making a new charge to the account and
proceeding, where applicable, to collect the ordinary interest that
correspond. The above, provided that Banamex Cards, within the

BANAMEX CARDS, S.A. DE C.V., SOFOM, E.R., MEMBER OF THE BANAMEX FINANCIAL GROUP. Page 5
legal term, deliver the corresponding opinion to the Client and put it to his Electronics; as long as Citibanamex has elements.
provision in accordance with the deadlines set forth in clause 13 of this sufficient to presume that the Client Authentication and its Signature
Contract. Electronics have been used improperly or when
The parties agree that Banamex Cards may change the conditions and Citibanamex detected an error in the respective Instruction.
operational mechanisms of this clause, by written notice to the b) For access to the various services of Electronic Banking,
Client with 30 (thirty) calendar days in advance, under the terms that are Citibanamex will provide the Client with different means of
indicated in this Contract. authentication for access to them. Without these, the Client will not be able to
to use the services described in this Contract.
9. BLOCKING, RETENTION AND REPLACEMENT OF THE CARD.-Cards c) The Client acknowledges that they may hire, modify and/or cancel
Banamex will be empowered to withhold, block, cancel or replace at any any of the services that Citibanamex makes available to you
moment the Cards for any of the issues that are stated,
through Electronic Banking, using the Authentication Factor
but not limited to, the following are indicated: (i) for having terminated the present
corresponding.
Contract; (ii) for having changed the type of Card; (iii) to allow the use
international card, in case it was only valid initially in In addition, the Client acknowledges that Citibanamex may provide the
national territory; (iv) for security reasons; (v) resulting from its theft or Electronic Operations immediately or subsequently to the moment
loss; (vi) due to the implementation of new technologies; (vii) due to the in which the Client sends the Instructions in Electronic Banking. For this purpose
implementation of new brands, (viii) for exceeding the credit limit; (ix) From the above, Citibanamex will inform about the execution of the Instruction.
for presenting overdue balance, or for (x) possible fraudulent use. The above will be by presenting a window that contains the information
informed the Client by telephone or by any of the means provided in the related to the operation and having been executed, a number will be included
Clause 22. Banamex cards will not be responsible for damages and losses that authorization or a receipt number, if it will be executed
caused and those that may be caused in cases of Card blocking subsequently. Additionally to the notification that is made in the medium
aforementioned. communication used, will be notified to the Email indicated by
the Client.
10. ADDITIONAL PROGRAMS AND SERVICES.-The Card may be d) Citibanamex will block the access keys of Electronic Banking
incorporated into the current programs related to the contracted Card, whether, temporarily, in case the Client enters an incorrect key for
according to the implemented operation, at the request of the client or automatically five (5) consecutive occasions, in this case, the Client may
for Banamex Cards once the Card is activated, in this last case only unlock them in the page of income of BancaNet
will proceed when these have no related costs. The Client in turn may (www.citibanamex.com/bancanet), as long as you have been assigned a
request additional services from Banamex Cards, that Cards NetKey, otherwise you will need to go to a Citibanamex branch to
Banamex informs you promptly, and makes available to the Client through unlock the keys and assign another key to restore the service, in
by any means, as long as meets all the requirements the understanding that, in any case, Citibanamex may make available to you
established by Banamex Cards and/or by the Establishments or service providers other means for such purposes.
services that correspond, and can enjoy them under the terms that Cards In the event that the Client enters an incorrect key twenty (20) times
Banamex indicates to you, understanding that the Programs may vary or be suspended. in a consecutive manner, Citibanamex will permanently block the keys
to be canceled at any time, without any liability from Cards to access, the Client must visit a Citibanamex branch to
Banamex. The Client will be able to know the applicable terms and conditions of those unlock them and assign another key to restore the service, in the
Additional programs and services on the Internet Portal (www.citibanamex.com). understood that, in any case, Citibanamex will make available to you
The Client authorizes Banamex Cards to directly or through third parties, other means for such purposes.
contract the insurance at no cost to the Client that correspond and that in their case e) In case of inactivity in the service, Citibanamex will terminate the
are associated with the Programs. The Client will be able to know the current insurance policies,
electronic banking session after twenty (20) minutes.
coverages, amounts, terms and conditions applicable to these on the Portal of
f) Both parties agree that within the Media the
Internet (www.citibanamex.com).
provides in compliance with the legal provisions procedures for
Likewise, after the signing of this Contract, the Client may activate and/or
establish limits on the individual and aggregate daily amounts that in case
add electronic/mobile banking products and services through the equipment
If not defined by the Client, they will be suggested by Citibanamex.
and automated systems, telecommunications networks, and electronic, optical pathways
or any other technology that Citibanamex and/or Banamex Cards provide to you g) When Citibanamex has received resources through any of the
provision for this purpose. Electronic media and have sufficient elements to presume that
Regarding new cards, except for those granted for the purpose of the Client Authentication methods have been used in a way
replacement of a previously issued card, the incorporation to the unjustly, may restrict the disposition for up to 15 (fifteen) Business Days
Current programs and, if applicable, the hiring of additional services that of such resources, in order to carry out the investigations and consultations
The Client requested, they will take effect upon activation of the Card, according to that are necessary with other credit institutions related to the
as provided in this Contract. operation in question. Citibanamex may extend at its discretion
the aforementioned term for up to 10 (ten) Business Days more, provided that
CHAPTER III. ELECTRONIC BANKING. have reported to the competent authority about probable unlawful acts
committed by virtue of the respective Instruction.
11. ON ELECTRONIC BANKING h) In cases where, due to the investigations referred to in the
previous clause, Citibanamex has evidence that for the formalization
11.1.- ELECTRONIC OPERATIONS.- Both parties declare provided false information or documentation in this Contract, or
expressly their willingness to agree to Electronic Operations through Well, that the Client's authentication methods for the issuance of the(s)
Instructions that the Client chooses from the enabled options in the Media Instructions that are dealt with were used improperly, may,
Electronics using their Electronic Signature or Authentication Factor, and the under your responsibility, load to the Account, whether Concentrator, of Deposit,
identifiers that allow the Client to log in, which, in the same way, of Global Cargo, of Suppliers, of Third Parties, Axis, Incorporated, or Own
they may be used to carry out Electronic Operations on their behalf in front the respective amount with the purpose of being credited to the account of the
to the member companies, affiliates, and subsidiaries of the financial group regarding the that the corresponding resources were processed.
which Banamex cards were part of. i) For a better understanding of Electronic Media and Operations
The Electronic Operations agreed upon through Electronic Means may Electronics that are within it, Citibanamex may grant you the
to be associated with contracts related to Electronic Operations entered into Client the online consulting service so that the Client becomes familiar with
between the Client and Tarjetas Banamex or, where applicable, Citibanamex, in which case, our services.
the terms and conditions of such contracts will remain intact and will continue In relation to the previous items, Citibanamex will notify the Client of
effectively providing its effects with the agreed scope in them, considering that the present compliance with what is established in clause 22 the execution of the
Chapter will solely regulate the manner in which the parties will agree on the aforementioned. actions that would have been carried out.
Electronic Operations. The Client expressly recognizes the right reserved by Citibanamex,
a) Citibanamex may suspend or cancel the Instruction(s) of the Operations to suspend one or more functionalities of the Service in case of
Electronics that the Client intends to carry out or use through the Means Account(s) may have been canceled, blocked, or are in some

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 Adhesion Contract Registration number: 2144-004-031146/02-03893-0819

status that prevents any deposit or charge, as well as any other cause through Citibanamex ATMs and such contracting is not
linked to the legitimacy of the funds or with the general provisions of the Client; and it will not be recognized by the Client, Banamex Cards will proceed to credit the
responsible for the damages and losses that I may cause to him/her. complaints arising from these operations, or in the case of the
k) In case of theft or loss of the Electronic Media Access Device, granting of credit, withdrawing the resources from the account in which they have been
The Client must notify Citibanamex by contacting the Center. subscribers. The above, within 48 (forty-eight) hours afterwards
Phone assistance to request cancellation or visit any branch to the claim made by the Client according to the process provided in the
Citibanamex. this contract, without charging any commission for this situation. It
previous, will proceed except when the Client has confirmed the
The Client must go to the Citibanamex branch for later
notification indicated in this paragraph in order to fill out the form hiring by any means other than the ATM
Citibanamex would have used the deposited resources and to Cards
corresponding so that the new security device is delivered to them here
Banamex finds it impossible to withdraw them.
referred. Citibanamex may deliver said device to the Client by
any means at their disposal for such purposes.
In relation to the previous clauses, Citibanamex will notify the Client of 11.3.- CONFIDENTIAL KEY.- Banamex cards will provide to the
in accordance with what is established in clause 22, the execution of the actions that Client a Confidential Key, which must be activated through
would have carried out. the means that Banamex Cards determine for such purposes. Even in
as long as the Confidential Key is not activated, the Client will only be able to perform
Electronic operations consisting of balance inquiries and transactions.
11.2.- TYPES OF ELECTRONIC MEDIA.- Both parties grant their
consent to submit to the following provisions that will be applicable At all times, the Client may request Banamex Cards to assign
for each of the Electronic Media: again a Confidential Key in place of the last Key
Confidential with which I have; likewise, the Client may have more than one
a) Audiomático.- The Customer will access Audiomático by entering their identifierConfidential Key, depending on the Electronic System you use for
user and their Electronic Signature on the keys of the telephone device, or by Electronic Operations Pact. Banamex cards may not be delivered to
any other Authentication Factor that you provide to access. Client the Confidential Key in the event that the latter already has
b) Internet Banking.- The Client will access Electronic Banking by typing their a Confidential Key activated or deactivated, stemming from relationships
user identifier and its Electronic Signature by accessing the webpage, or previously between the parties.
for any other Authentication Factor that is made available to you for In case Banamex Cards authorize it, the Client may carry out
access certain Electronic Operations without the need for the use of the Key
c) Telephone Operator.- The Client will access the Telephone Operator by dialing their Confidential, such as the acquisition of goods and services through the
Electronic signature on the keys of the telephone device, or any other factor Point of Sale Terminals.
of Authentication that Citibanamex makes available to you for access and, a The Client states that Banamex Cards informed them of the importance of
Once this typing is done, the Client will be attended by an operator through the composition of the Confidential Key for the use of the services
of which it may agree, through verbal instructions, the Operations of Electronic Banking and recommended to keep Confidential Keys
Electronics that the operator allows you. safe.
The Client authorizes Citibanamex to record all phone conversations
that they maintain, accepting from now on that Citibanamex will have no obligation
11.4.- EFFECTS OF THE ELECTRONIC SIGNATURE.- Both parties
to inform you, at the time, that these conversations are being recorded they accept that the Electronic Signature will replace the handwritten signature of
telephonic, as well as such recordings will be the exclusive property of
Citibanamex and that its content will produce the same effects as the laws. Client for an electronic nature, hence the certificates
granted to the documents signed by the parties, consequently having the documentaries or techniques where they will produce the same
same evidentiary value. effects that the laws grant to signed documents and, in
consequence, they will have equal evidentiary value.
e) Mobile Banking.- The Client will access the Mobile Banking service through their
The Client acknowledges the personal and non-transferable nature of the Signature
Mobile Phone and the Authentication Factors that Citibanamex provides
your willingness to access in order to carry out the Operations Electronics, which will remain under their custody, control, and care, for
Electronics that Banamex cards provide through this channel. it will be the exclusive responsibility of the Client for any damage or
damage that may be suffered as a result of the improper use of the
f) Mobile Payment.- The Customer will access the Mobile Payment service through their
same.
Mobile Phone and the Authentication Factors that Citibanamex places on its
willingness to access, in order to carry out the Operations The configuration of the Electronic Signature is unknown to
Electronic services that Banamex cards provide through this channel. All the Citibanamex, Banamex Cards, its employees and officials,
Electronic operations that Banamex cards provide through this means and the Client being able to modify it through the means that Cards
Banamex shall provide for such purposes.
those that in the future will adhere to the present service, for knowledge
The Client will be notified via SMS Text Message. The Client states that they are aware of the scope of this Contract
g) Voice Banking Voice to Voice: the Customer enters via phone to an executive of it is attributed to the Electronic Signature, so its use is under its strict
Citibanamex for you to carry out your Electronic Operations in its name. responsibility. The Client, in protection of their own interests,
must keep the Electronic Signature confidential, since
h) ATM.- The Customer will access the ATM through the the use of it, for all legal purposes that may arise, will be
use of the Card, requiring you to enter your Confidential Key or any attributed to the Client, even in the event of a fortuitous case or force majeure.
another mechanism that identifies and authenticates it and that has been implemented to
The parties agree that the applicable provisions will be enforced in due course.
disposition of the Client.
terms of the Commercial Code and any other applicable provisions,
i) Point of Sale Terminal.- The Client may use this Electronic System to regarding the identity and expression of consent of the same
through the physical or digital card. by Electronic Means, optical or any other technology by
The Client may only agree to the Electronic Operations that the Means the use of the advanced electronic signature, in order for the Messages of
The aforementioned electronics allow you, expressing expressly to know that the Data shall be communicated between the parties securely in their
agreement of wills related to each Electronic Operation agreed upon through identification, authentic and integral in its content and not repudiable
it will be considered perfected, for all legal effects that regarding the sender and receiver.
there is a place, at the moment when the Electronic System used provides you with the
Authorization Number.
11.5.- PAYMENTS TO THIRD PARTIES.- When through the Means
When the hiring of additional products or services has been carried out Electronics are agreed upon Electronic Operations that aim to

BANAMEX CARDS, S.A. DE C.V., SOFOM, E.R., MEMBER OF THE BANAMEX FINANCIAL GROUP. Page 7
payment to third parties for credits, goods or services, the relationships of the Client and those Citibanamex and in accordance with the established terms and conditions
third parties will be governed by the agreements they have made for such purposes, in this document and of the legislation.
therefore Citibanamex and/or Banamex Cards will not assume any responsibility The Client acknowledges that Electronic Banking is made up of various
derivative of those legal relationships, whether by payment or by insufficiency in the Media and that each of them is programmed to
provision of goods or services, for which the Client agrees to indemnify and provide certain Electronic Operations or all of them,
to safely and peacefully withdraw Citibanamex and/or Banamex Cards from any therefore acknowledges that it will only be able to carry out the Operations
claim related to the above. Electronics corresponding to the medium of communication in question.
Banamex cards will only be obliged to carry out Electronic Operations. Likewise, the Client acknowledges that Banamex Cards may execute the
of fund transfers, in the event that the charging account maintains a Line Online Electronic Operations o make the charges y fertilizers
available credit to fulfill such transfers, therefore corresponding after the moment when the Client sends the
Citibanamex and/or Banamex Cards will not assume any responsibility arising from Instructions through Electronic Means.
the above.
Banamex cards will not be liable to the Customer for any
The Client Instructions for agreeing on Electronic Transactions are of your damages or harm that may be caused to the latter by virtue of the
strict responsibility, so Tarjetas Banamex must comply with Modifications that Banamex Cards make in the Electronic Media.
said Instructions, regardless of the cause or reason that originated it
Instruction, as well as the implication it has for the Client's activity or the
benefit or harm they may cause. 11.8.- RESPONSIBILITY.- The Client expressly acknowledges that
Banamex cards and if applicable Citibanamex, will not be responsible for the
The effective dates for the execution of Electronic Operations will be those damages and losses that may be caused to him by the unavailability of the
that, according to the applicable law, the banking customs and practices and the policies of
Electronic Media. However, Banamex Cards may put at
Banamex card operations are valid. The media themselves
Client's arrangement in the branches, alternative means for agreement
Electronics will be able to specify these execution dates.
Electronic Operations.
It will not be the responsibility of Banamex Cards to enable the entirety of the
Banamex cards and, if applicable, Citibanamex will not be responsible for failures in
Electronic Operations offered through Electronic Means, the Electronic Media, when they are motivated by chance or
reserving the right to increase or decrease the number of Operations force majeure causes.
Electronics offered in each Electronic Media.

11.9.- TITLE OF RIGHTS.- The Client acknowledges that Citibanamex

11.6.- INSTRUCTIONS.- For the purposes established in Article 52 of He is the sole and exclusive holder of the rights of ownership, property
the Law on Credit Institutions, the parties agree as follows:
industrial and authorial that are contained in Electronic Media, because
a) Both parties acknowledge that the Client expresses their will through Under no circumstances may you copy or modify them, nor will it be considered
Instructions, using the Electronic Signature in Electronic Media. licensee or assignee in relation to them and may only use them for the
consequently, the parties agree that the use of the Means terms and conditions agreed upon in this Contract, must be kept
Electronics and the Electronic Signature are considered as the express manifestation at all times the confidentiality regarding any information
from the will of the Client. industrial, professional or commercial to which I have access due to use
b) In the event that Citibanamex has mistakenly credited money to the Account of the same.
Concentrator, of Credit, of Global Charge, of Suppliers, of Third Parties, Axis,
Incorporated, or Own, the Client hereby empowers Citibanamex 11.10 - CONCESSIONS - In order to prevent a future controversy,
to load the respective amount to the referred Account for the purpose of the parties agree to grant each other the following reciprocal concessions:
correct the error made.
a) The use of the Electronic Signature will have legal effects for all purposes to which
c) The parties agree that any Instruction, Electronic Operation there is room, the same effects and implications of the handwritten signature
or information that is generated, sent, received, archived, or communicated to
authentic, among which, by way of enumeration but not limitation
through Electronic Media, shall be considered as a Data Message they point out, that of representing the agreement of wills between the Client and
coming from the Client, provided that such Instruction, Operation Banamex cards, based on sufficient powers to compel them
Electronic or information is sent using the Electronic Signature of
in the terms and conditions of the agreements related to the
Client or programmed by the Client in the Electronic Media to be Electronic Operations.
automatically operated.
The Client expresses, states, and accepts that the Electronic Operations
d) Likewise, the parties agree that through the use of the Instructions that I carried out using the Electronic Signature, I
Electronic Media and the Client's Electronic Signature, or any other means they are fully identified with Banamex Cards, so the expression
of the Customer identification that in the future establishes Banamex Cards, the
of their consent granted by these means regarding the
the parties may (i) modify or accept this Contract, or (ii) enter into other Electronic Operations will be absolutely valid, not being able to be
contracts, agreements or legal acts distinct from this Contract.
unknown, revoked, repudiated or rejected by the Client both
e) The Customer's use of any Electronic System implies the regarding such identification as well as the execution of the Operations
acceptance of the terms and conditions provided herein Electronics that would have been carried out.
Contract.
b) All terms apply to Electronic Operations.
conditions established in this Chapter, in the contracts that,
11.7.- MODIFICATIONS.- The Client acknowledges and agrees that in your case, they are associated with Electronic Operations, by those who
Banamex cards may, freely and without any limitation, carry out all the established in the dialogue boxes of the Media themselves
technical, physical, mechanical, or any other nature modifications that are Electronics and the effects of the use of Electronic Media and the
necessary to improve, update, or eliminate some of the functions of the convention of Electronic Operations have on contracts
Electronic Media, including the elimination of some Electronic Operations associated with these.
or the total elimination of some Electronic Media, according to Cards c) The accounting entries made by Banamex Cards, the Logbook, the
I consider it necessary for Banamex. statements, the Authorization Number, the slips or documents
The Client acknowledges that they may contract, modify, or cancel any of the that are generated on the occasion of the execution of the Operations
electronic banking services that Banamex cards make available to you Electronics, as well as other documentary and technical certificates
through Electronic Banking, having to use the Authentication Factor derivatives of the use of Electronic Media will serve as full proof of the
corresponding. existence and validity of the Electronic Transactions agreed upon through
Citibanamex states that at any time after the formalization they.
From this Contract, the Client has the right to request the activation of the Banking. d) The Electronic Transactions agreed upon through the Means
Electronics that had not been initially enabled, or modify the conditions of Electronics through the use of the Electronic Signature represents the
the previously agreed upon, must express their consent. agreement of wills between the Client and Banamex Cards, whose
through the means indicated by Citibanamex for that purpose, understanding that such perfection is governed by the rules of the agreements made
The application must be made with full identification and to satisfaction of among gifts.

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 Adhesion Contract Registration number: 2144-004-031146/02-03893-0819

Banamex Card phone numbers to inform you of this.

11.11 - NOTIFICATION OF OPERATIONS - In the event that the Client situation.
would have provided Banamex Cards with a means of communication, such as
Email or mobile phone number, the latter will confirm to the Client. 11.14.- AUTHORIZATION FOR THE CELEBRATION Y
through this means the execution of the Electronic Operations that of PROVISION OF ELECTRONIC OPERATIONS A
agrees with the legal provisions to be obligated to notify. THROUGH ELECTRONIC MEANS.- The Client acknowledges that in
Regarding alerts and notifications, Tarjetas Banamex expressly requests you The present chapter includes the Operations
to the Customer the number of their Mobile Phone, the mobile company to which they belong Electronics that can be carried out through Electronic Means, whose
your Mobile Phone and your Email data, which may be terms and conditions expressly accepts, through the signing of this document
provided by this through the Request, of the Electronic Means that Contract.
Citibanamex makes available to the Client or in writing at the Branch; for the purpose
to carry out, when applicable: (i) The alerts and notifications related to the use of
Electronic media regarding the contracted product and (ii) Notifications 11.15.- REMOTE HIRING.- The Client may hire the
regarding the contracting of new financial products or services, Citibanamex financial products and services remotely under the
activations, request for payment methods, resource transfers, withdrawal of specifications and documentation that each Electronic Media requests
cash, and/or updates of address or contact information that are made to for the purpose of hiring. In the case of credits contracted through
client's name in person, which may be regarding anything Electronic means other than Electronic Banking may only be used
of the companies that are part of the financial group of which Banamex Cards is a part to hire credits for amounts lower than the equivalent in national currency to
part. 60,000 UDIS.
The Client agrees that Banamex Cards will make such notifications to the Email During the videoconference that may be necessary for hiring
Electronic as the first option; and, if not available, will notify through the banking products and Banamex Cards, omit requesting the Factor of
Mobile Phone. The above is valid unless the Client proceeds to indicate through the Authentication category 1 to the Client, and the latter does not recognize it.
Electronic means that are made available to you for this purpose or in writing in contracts in your name resulting from this omission, Banamex Cards,
Branch, the means of communication of your choice, from those mentioned in the will assume the risks and, therefore, the costs of the said products
previous paragraph, so that Banamex Cards can carry out alerts and notifications. Citibanamex, making the corresponding clarifications before the
The Client knows and agrees that the alerts and notifications previously credit information societies, as well as the cancellation of the product
cited, will always be carried out as long as you have provided and where applicable financial.
updated your Email Address and your Mobile Phone number, including the
telephone company of the latter, to Banamex Cards and when so established CHAPTER IV. STATEMENT OF ACCOUNT AND CLARIFICATIONS.
the applicable legal provisions.
12. ACCOUNT STATEMENTS.-Only in case a debit balance is recorded
In the case of account statement inquiries through electronic banking, the
superior to $250.00 pesos or movement in the Customer's account, Cards
The client will be notified of said inquiry through the same means.
Banamex will be obliged to send you a monthly statement, without
Electronics for which the consultation was made.
cost for the Client in which will be indicated, among other concepts: the date of
When applying, in the case that the address, the Email, the Phone cut, which will correspond to a day of the month that will be determined and
Mobile as well as the telephone company of the Mobile Phone, or any other data
it will be specified in the Client's Credit Cover, with the understanding that,
the Client's contact details are modified as a result of an update of
in case the cutoff date corresponds to a non-banking business day,
data or to modify them when contracting new products or services, Cards will move to the immediately preceding Business Day; the Payment Deadline, indicating
Banamex will notify the Client of these events via Email and Phone
that when such date corresponds to a non-business banking day, the payment may
Mobile devices registered prior to that modification and to the same means of to be carried out on the following banking business day without any interest charges
communication newly registered.
moratoriums or penalties for non-compliance. The account statements
They will include additional information in accordance with the applicable provisions.
11.12 - MICRO PAYMENTS AND PAYMENTS WITH CARDS WITHOUT A NETWORK correspond. Banamex Cards will inform the Client in writing of any
INTEGRATED.- Banamex cards may not require the Confidential Key or the modification to the cutoff date or to the Payment Deadline, with at least
signature of the Client when instructed, through the Mobile Phone or thirty calendar days in advance, as provided for in this
Point of Sale Terminals, Electronic Operations for an amount of up to Contract.
equivalent in Pesos to 70 (seventy) UDIS. In this case, Banamex Cards If the account shows a debit balance of less than $250.00 pesos or does not show a balance.
will assume the risks and therefore the costs of such Electronic Operations that and does not show any transactions, Banamex cards will be made available to the
not being recognized by the Client, obliging to pay the amount into the Account Client, a statement that can cover maximum periods of 6
from the unrecognized Electronic Operation no later than 48 (forty-eight) hours (six) months or less in case a movement is registered before the
subsequent to the Client having submitted the corresponding complaint. sixth month, said statement will be available at the branch
Likewise, Banamex Cards may approve the execution of Operations. Citibanamex for your inquiry, free of charge, within 5 (five) days.
Electronics using the Non-Integrated Circuit Card (Chip) in ATMs natural following the cut-off date corresponding to its issuance
Automatic and Terminal Point of Sale, in which case it will assume the risks and the according to what is stated in this paragraph, in substitution of the sending to
costs of Electronic Operations that are not recognized by the Client address.
the use of said Card. The claims arising from these Operations Notwithstanding the above, the Client may request at any time to
Electronic payments will be credited to the Customer within a maximum of 48 (forty-eight) hours. Banamex cards the sending of the account statement to your home and this will be
after the Client has submitted the corresponding claim. obliged to do so under the terms stipulated in this clause.
In the case of installment sales or purchases with partial charges, Cards
11.13 INFORMATION TO AVOID FRAUD.- Banamex Cards of Banamex will provide at least the information regarding the total number of
monthly payments, to the corresponding monthly payment number and to the amount
free form will notify the Client, if they provided Banamex Cards a
means of communication, such as Email or Phone number of that monthly payment and the CAT corresponding to that provision.
Mobile, the execution of Electronic Operations that according to the When applicable, Banamex Cards will send a single statement.
legal provisions are obligated to notify, in accordance with what is provided in which the provisions made within the territory are distinguished
in the clause called Notification of Operations. This notification national, of those carried out abroad; for this case, it will be included
at least the amount in the currency in which the transaction was made and the amount
will help the Client to avoid possible fraud with the Card, so the Client,
If notified of any unrecognized provision, you must communicate to the in national currency corresponding to each of the charges.

BANAMEX CARDS, S.A. DE C.V., SOFOM, E.R., MEMBER OF THE BANAMEX FINANCIAL GROUP. Page 9
Within five calendar days following the cutoff date, Banamex Cards five days or 180 (one hundred eighty) calendar days in their case, the Client does not
will send the mentioned account statements to the Client's address or to the address You have received a response, you can go to the Specialized Unit or the Branch.
designated by this for the sending of the same and other correspondence, of where he filed his complaint so that he can request the delivery of his
compliance with clause 28, or to the Email address that the response and, if applicable, collect your opinion.
The client has indicated in the Request or communicated it reliably to Cards. Likewise, within a period of 45 (forty-five) days counted from
Banamex with at least 25 Business Days in advance. The method of shipment from the delivery of the report referred to in the previous paragraph, Cards
The account statement will be specified in the Credit Cover Page that Cards Banamex will make available to the Customer at the Branch, or alternatively, in the
Banamex delivers to the Client in accordance with the provisions of this Contract. Specialized Unit, the file generated due to the request for
The delivery of the Account Statement will be carried out in accordance with what is stated in the paragraphs. clarification.
previous, unless the Client has authorized Banamex Cards to If the assessment is favorable to the Client, Banamex Cards will eliminate the
suspend the sending of the referred account statements and it is expressly given disputed charges and their accessories of future account statements or
notified of its content through a query made via the Media will reimburse the Customer the amount of these when they have paid with
Electronics under the previously agreed terms. precedence. In these cases, Banamex Cards will not charge the Customer
Any modification to the delivery method of the Account Statements must any amount for the clarification process.
count on the Client's consent, which may be explicit or implicit. In this In the event that, according to the report issued by Banamex Card,
In the last case, Banamex will inform with 30 calendar days in advance. the collection of the respective amount is upheld and therefore the ruling is not
through a notice on your Account Statement the change in the delivery method result in favor of the Client, the latter must make the payment of the amount to
of the same. In case the Client does not wish to change the delivery method your position, including the ordinary interests as agreed, without the
from the Account Statement, may refuse the aforementioned change under the specified terms proceed with the collection of late interest and other accessories generated by the
in the same notice. If the Client does not express any objections to the change, it will be understood
suspension of payment in accordance with the provisions of this Contract.
that the method of delivery in the Account Statement was consented to by the same. The previously planned procedure will be null and void from the moment that
The Client will be able to check the balance and transactions of their Card through the
the Client presents their demand before a jurisdictional authority or leads their
Telephone Support Center, prior accreditation of the Client's identity complaint under the terms of the Law on Protection and Defense of Users of
providing your Card number or your Client number and secret key; in Financial Services.
Branches prior to the accreditation of the Client's identity providing their The parties agree that Tarjetas Banamex may change from time to time the
card number and at Citibanamex ATMs, with your card and conditions and mechanisms of operation of this clause, by means of
PIN number, or through other Electronic Banking Media, by means of written notice to the Client at least 30 (thirty) calendar days before
the corresponding Authentication Factors.
In the event that the Client does not receive the account statement in a timely manner, they must
anticipation, in terms of the present Contract.
request it in writing to Banamex Cards so that in case of disagreement with the 13.1 COMMERCIAL COMMISSION FOR CLARIFICATIONS.-In this
charges made may be challenged in the terms that
the Client grants Tarjetas Banamex a commercial commission to
established in clause 13. The Client accepts and acknowledges that the account statement
in your case, represent it before any third party that may have participated in
does not constitute a payment request, therefore, in case of not receiving your statement the transaction or movement that the Client does not recognize and by virtue of which
the Client is obligated to make payments in accordance with the provisions in the the clarification procedure referred to in the previous clause has begun.
clause 14 of this contract and, if applicable, go to the Branch or call the Center
Customer Service to verify the reasons why the account statement does not
CHAPTER V. PAYMENT OF THE LOAN, INTEREST RATES AND
It arrives at your home address or email, if applicable.
COMMISSIONS.
13. PROCEDURE FOR CLARIFICATION OF CHARGES.- In case that the 14. TOTAL OR PARTIAL PAYMENT OF THE BALANCE. - The Client agrees to
Client does not agree with any of the charges that appear on the statement of
pay to Banamex Cards the total or partial amount of the balance stated in
account, may request the corresponding clarification from Banamex Cards, which the account statements of the Card, in accordance with the provisions set forth in the subsections
must personally present in writing at the Branch of your choice, before a) and b) of this clause, no later than the Payment Deadline that is
the Telephone Attention Center at the following phones Mexico City
indicate in the same. The Payment Deadline will be determined considering
1226-4646 or from another city 01-800-021-2300 or to the email a period of at least 15 calendar days counted from the cut-off date
[email protected] before your Special Unit by telephone respective, as long as the Client is up to date in their
1226-4583 or email [email protected], as well as through the
payments, otherwise the Customer must immediately pay the balance
Electronic means that Banamex cards have available for such purposes, indicated on the account statement. Banamex cards may vary the period
within a period of 90 (ninety) calendar days counted from the date of to determine the Payment Deadline from time to time, with prior notice
cut or, if applicable, of the execution of the operation or service. The written document must
given to the Client under the terms of this Contract. In the event that the Date
to contain in detail the movements with which I do not agree. Payment limit corresponds to a non-business banking day, the payment may
Banamex Cards will provide the Client or Additional Cardholder the number to be carried out on the next banking business day. The cutoff date and the date
of the notice reference, as well as the date and time it was received. The above is
Payment Limit will be informed on the Cover Page provided to the Client
will be delivered at the moment the corresponding notice has been presented, under the shelter of this Contract and will be indicated in the Account Statements.
when this has been done personally, by going to the Branch or by phone The Client must pay Tarjetas Banamex for the withdrawals from the Line of
or through the Telephone Assistance Center or within 24 hours
Credit that I made, according to the following conditions:
later when this has been presented by Electronic Media, the Client a) The total amount of the current balance stated in the account statement is paid.
acknowledges and accepts that they must keep the registered contact information updated
I pay to avoid generating interest no later than the deadline of
before Banamex cards so that the referred information can be received when
the payment indicated herein, no amount will be charged for the concept of
applicable result. interests, except for the interests that arise from provisions in
Once the clarification request is received, Banamex Cards will have a period of cash from the Credit Line, made through any enabled channel
45 (forty-five) days to deliver the corresponding report to the Client and for this purpose, which will be calculated based on the daily outstanding balance
in the case of clarifications regarding operations abroad, Cards from the date of application of the transaction until
Banamex will have a period of 180 (one hundred eighty) calendar days, both counted the total amortization of the outstanding balance of the disbursement and the derived interests from
from the date I receive the clarification request. In the case of special promotions of Banamex Cards and/or the Establishments that
amounts charged to the Client, until the clarification request is resolved. the Client has accepted the terms of this Contract, such as Plan
resolved in accordance with the specified procedure, the Client shall have the right Payments staff, provisions of the Additional Line, among others.
of not making the payment for which clarification is requested, as well as for any other b) If you do not make the full payment of the current balance stated in the statement
amount related to that payment and Banamex Cards, cannot report as counts as "Payment to avoid generating interest" on the payment deadline, it
the amounts subject to such clarification to the information societies will generate interest and to stay up to date you must pay your debt in
credit, until the clarification is resolved. installments not less than the minimum monthly payments indicated in the
Banamex cards, within the timeframe indicated in the previous paragraph, will deliver to the account statement. The minimum monthly payment will be identified on the statement.
Client the Opinion through the Mexican Postal Service or by email counts as 'Minimum Payment Required' and will be at least the amount that
or as agreed with the Client or the Additional Cardholder at the time result greater according to the following sections: 1) The sum of: i) 1.5% of
from the presentation of the clarification; if the period of 45 (forty-five) has passed outstanding balance of the revolving part of the Credit Line as of

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 Adhesion Contract Registration number: 2144-004-031146/02-03893-0819

period, not taking into account the interest for the period or the value added tax The calculation of default interest will be carried out considering one year.
added (I.V.A.), plus ii) the referred interests and I.V.A. and 2) the 1.25% of the limit of 360 days, and days actually elapsed.
from the Credit Line.). To the result, amounts will be added, if they exist, Promotional rates: Banamex Cards may reduce the rate of
corresponding to the periodic payments arising from the provisions of the Line annual ordinary interest for promotional reasons, establishing a
Additional and from the Personal Payment Plan. period of validity or as long as the Client complies with the terms and
Banamex cards may freely determine the amount of the minimum payment, conditions of the promotion that Banamex Cards has informed you
as long as said amount is greater than the one corresponding according to timely. Once the stated validity period has concluded or in
established in the previous paragraph. in case the Client does not comply with the terms and conditions of the
In the event that the payment made by the Client during a payment period, promotion, Banamex cards will apply the annual interest rate
is greater than the minimum payment corresponding to that period and, on the other hand, the ordinary established in this contract without the need to provide to
credit line includes a differentiated interest rate scheme. Cards Customer notified of this change in advance.
Banamex will apply the excess of that minimum payment, in the first instance, to the Banamex cards may inform the Customer of the modifications.
amortization of the outstanding balance of the revolving part with the highest interest rate that carries the ordinary and/or late annual interest rate, with for
high. at least 30 (thirty) calendar days in advance of the scheduled date
c) In case the Client does not make their payments according to what is established in the in which they will take effect, by written notice in the state of
items a) or b) of this clause and the credit shall be considered due for account. The Client shall have the right to terminate the Contract
accounting effects, Banamex cards will be applied immediately to the outstanding balance within 60 (sixty) calendar days following its effectiveness
from the Credit Line the installments not yet due referred to modification, without any additional amount being charged, with
clause 5. The above, without prejudice to what is established in clauses 24 and 27 of exception of the debts that may have already been generated as of the date on which
present Contract. the Contract is terminated. The Client confirms that once
In any case, the Client agrees to pay the total balance owed by the due date. after the 60 (sixty calendar days) following the entry into
termination or cancellation of this Contract. the validity of the modification without terminating the contract, shall be
considered for all legal purposes, as your acceptance of the same
15. PAYMENT TERMS.- The Client agrees to pay Tarjetas modifications.
Banamex without the need for prior requirement, by the means that this III.- The following commissions, the amount of which is established in Annex 1,
put at your disposal or at any Citibanamex branch, the that is an integral part of the Contract, as well as those that
following concepts: add to the aforementioned Annex 1 and notify accordingly
I.- The principal amount of the Credit Line available. the provisions in this Contract:
II.-Interest Rates: The ordinary annual interest rate is variable and will be A. Commissions for the use of the Cards:
determined by adding to the Interbank Interest Rate a) An annual fee for each Card, which includes the charges for
from Equilibrium (TIIE) a maximum of 60 (sixty) percentage points. issuance and sending of the Contract, said commission will be charged per period
For the purposes of this clause, the TIIE will be determined based on defeated, being loaded for the first time at the end of the first year of
refer to the arithmetic average of the same over a period of 28 days that exists issuance of the Card, provided that the Card has been activated.
the Bank of Mexico announced in the Official Journal of the Federation the Subsequently, it will be charged upon completing each anniversary the same amount for
Wednesday days of the last four weeks to the cut-off date and in case of expired period. For Additional Cards, the commission
If Wednesday is a non-working day, the immediate banking working day will be taken. An annual fee will be charged, once this is activated, also for the overdue period.
previous. In the event that the TIIE ceases to exist, the substitute interest rate on the anniversary date of the Customer Card, to determine the
it will be determined based on the result of the arithmetic mean of the Rate charging of the annual fee for the Additional Card for the first time, it
from the Federal Treasury Certificates (CETES) quotation to will consider, if applicable, the proportional part that corresponds to the
28-day period, which has been announced by the Bank of Mexico during the number of months elapsed since its activation and the
last four weeks up to the cutoff date, adding a maximum of 60 anniversary date of the Customer Card.
(sixty) percentage points. b) A commission for cash withdrawal in exercising the Line of
The calculation of ordinary interest will be based on years of 360 days. Credit on the amount of the transaction, at ATMs
Ordinary interest will be calculated based on the daily outstanding balance of Citibanamex and at the counters of Citibanamex branches
period multiplied by the daily interest rate. The daily interest rate bank commissioners or correspondents or in departmental offices of
it will be the result of dividing the ordinary annual interest rate that is found Authorized establishments. A commission on the amount of the
in effect as of the account cutoff date between 360. The daily outstanding balance is cash disbursement operation in the exercise of the Line of
obtained by adding to the balance of the previous day (debt balance) the purchases and Credits made at ATMs of other institutions
provisions of the day and subtracting the payments made on the same day. The balance affiliated with the RED system. At ATMs abroad, there
the outstanding diary of the first day of each period will be equal to the previous balance that will charge a fee for cash withdrawal in exercising the line
it appears in the respective monthly statement, plus the purchases and of credit. In any case, in the case of cash withdrawals in the
provisions of the day and deducting the payments made on the same day. The balances ATMs from other institutions affiliated with the RED system and
unresolved diaries for each period will be those generated between the date of in ATMs abroad, the ATM will charge the
previous cutoff and the cutoff date indicated in the monthly statement commissions determined by the operating financial entity for its use
respective. Ordinary interest shall be paid monthly. of the same. A commission for cash disbursement, in exercise of the
due on the same dates as the capital payments are made, in accordance with Credit Line, through instructions from the Client made via
to what is provided in clause 14. The payment of interest may not be demanded from Internet Banking, Telephone Banking, Mobile Banking that will be able to
in advance but only for overdue periods. Banamex cards to derive in a transfer by crediting a deposit account
may charge late payment interest from the moment the loan is considered of the Client or for other purposes authorized by Banamex Cards. The
Due for Accounting Effects, these interests will be charged against the balance provisions of the Credit Line through Customer requests
unpaid at an interest rate equal to that resulting from multiplying the carried out by any other electronic means that is not found
current ordinary annual interest rate up to a factor of 1.5 times. described earlier in this clause, provided that this is the case
The parties agree that the overdue and unpaid interest for the period shall indicate in Annex 1.
capitalize in accordance with the provisions of this contract. c) The statement and/or transaction print service in
In case the total balance of the Credit Line becomes due for branch window will be free of charge. No commission will be charged for
early expiration of the same, the Client agrees to pay interest balance inquiry at the branch counter. Likewise, there will be no charge
moratoriums on the outstanding balance of the Credit Line according to the rate commission for printing movements and balance inquiry obtained in
of previously established moratorium interest. the Citibanamex Telephone Assistance Center and ATMs.

BANAMEX CARDS, S.A. DE C.V., SOFOM, E.R., MEMBER OF THE BANAMEX FINANCIAL GROUP. Page 11
When the Client makes balance inquiries at Other ATMs In the event that the payment made by the Customer during a period of
credit institutions or institutions affiliated with the RED System, the Client payment is greater than the corresponding minimum payment for that period and, on the other hand
it will be up to the respective commission to charge the Operator for this concept part, the Credit Line includes a differentiated rate scheme
Automatic Teller Machine. interest, Banamex Cards will apply the excess of that minimum payment, in
d) A commission for enrollment in the program to obtain months without interest, first instance, to the amortization of the outstanding balance of the revolving part
previous invitation to the Client by Banamex Cards, to participate with the highest interest rate.
in that benefit.
e) A commission for the use of the infrastructure of the commission agents' network CHAPTER VI. GENERAL PROVISIONS
banking or correspondents in cash withdrawal and card payment
respectively. 18. DECLARATION.- The Client hereby expressly states
Operations carried out through banking agents may (I) Act on my own behalf and have requested to
generate a commission, consult before making the transaction. Banamex cards a credit under the terms established herein
B. Commissions for non-compliance or penalty: Contract, stating that the benefits he will receive from said credit
a) A commission for late payment or collection expenses, when the Client pays they are for him and not for a third person, being warned that in
after the payment deadline and before the cutoff date of the following month in case of allowing a third party to use the account without having declared it,
or a commission for non-payment (when the Client does not make any payment in hide information, provide false information or act as
the month) for each month or fraction up to the third overdue installment, based on the use of a third party's name will result in him and/or the third party making
in the administrative collection mechanisms of Banamex Cards misuse of said account, which could constitute the
consist of phone calls, telegrams and written communications that are commission of an offense according to the applicable legislation;
Make it to the Client. The commission for late payment cannot be charged more than once. (II) All the documentation and information you have provided to
once a month. Such commissions will not be charged when interest is collected. Banamex cards for the analysis and study of granting
moratoriums during the same period. the credit subject to this contract is true and accurately reflects
b) A commission for the replacement of a card due to loss or theft of the your current situation, as well as the resources that will be deposited into the account
same, as well as by retention in ATMs or other equipment derived from payments are their own, that is, the product of their work,
automated services of Citibanamex or third parties. No commission will be charged in case investments or any other lawful activity;
replacement due to deterioration caused by the use of the Cards. (III) Banamex Cards informed you, prior to the signing of this Contract,
c) A fee for unauthorized clarification of unrecognized charges. the concepts, current amounts, and frequency of the commissions
Banamex cards reserve the right to make increases to the provided for in clause 15, as well as the means and accreditation of
previously mentioned commissions, as well as establish new commissions card payments;
informing the Client of the new amounts or new commissions at least Banamex cards informed that early payments,
with 30 calendar days in advance of the date on which they will take effect, understanding these as the partial or total payment of the outstanding balance before
by simple written notice in the account statement. The Client agrees that from the date it is due, as long as it is up to date in its
it will be understood that you have granted your consent to the new amounts or new payments will be applied exclusively to the outstanding balance of the credit,
commissions, if you do not expressly state your objection and request to consider it as likewise that Banamex Cards informed you that you can request that this
terminate the present Contract before the date on which it is intended to take effect last receive payments that are not yet due in order to apply them to
effects of the increase or the new commissions, in which case the process will be followed cover immediate periodic payments following, as long as the amount
of termination provided in clause 27 subsection a) of this Contract. the payment is higher than what should be covered in the period and presents a
Banamex Cards will send the Client the information containing the amounts, written with a handwritten signature that includes the following legend: 'The Client'
concepts and frequency of the commissions at least once a year, and authorizes that the resources provided in excess of your obligations
will maintain such information on its electronic page on the worldwide network required, do not apply to the Prepayment of the principal, but rather
Internet. to be used to cover advance payments for periods of the Credit
IV. The current tax on commissions, expenses, and interest, and in cases immediate following.
regarding cash payments that exceed the amount owed (V) Has the legal capacity sufficient to enter into this contract and
by the Client, the corresponding tax will be charged in accordance with the recognizes as its own the data recorded in the Application, all of which
applicable legislation. trust with the information you provided to Tarjetas Banamex in the
V. The deductible corresponding to the payment of insurance related to interview that he conducted with him on this same date, prior to the
Programs. subscription of this instrument, and with the documents that are attached to the
Contracts, which were duly compared against their original,
16. PAYMENT ACCREDITATION.- The Client may make the payments that accepting that the Banamex Cards may at any time
correspond through the following means, which will be accredited according to the verify the authenticity of the data recorded there and, consequently,
payment method used, as follows: a) Cash: it will be credited update them in their file. Likewise, they are obliged to provide and to
day; b) Citibanamex check, it will be credited the same day; c) Check from another deliver to Banamex Cards the data and documents they request from you
credit institution: deposits made before 16:00 hours will be credited on the same day at any time with the aim of complying with the provisions
Banking skill next, the deposit made after 4:00 PM will be credited the to prevent the execution of transactions with resources from
second banking business day following; d) Direct debit: it will be credited: i) on the date illegal origin or the financing of terrorism;
that Banamex Cards agree with the Client or, ii) on the Payment Due Date of (VI) Banamex Cards informed that, in the Contract Registry of
the corresponding Card; e) Electronic fund transfers: (i) the Adherence of the CONDUSEF, a document containing the
made through the Interbank Electronic Payment System (SPEI) are transcription of all the legal precepts cited herein
will be credited on the same Business Day in which the transfer is ordered, if the payment is Contract, which is available for consultation as an annex in the
through the Electronic Transfer System, it will be credited to more registration corresponding to this Contract and in the branches
to take place on the next Business Day following the order to carry out the transfer; (ii) those carried out Citibanamex
within Citibanamex, will be credited on the same day and; (iii) those made from another (VII) You should know that you can revoke the authorization at any time.
Credit Institution, they will be credited no later than the following Banking Business Day, that, in its case, granted to Banamex Cards to use its
Cash payments made in department stores, self-service stores or information for the marketing of other products or services, the
restaurants will be credited no later than the third business day following, which can be made by delivering at any of the branches
the date on which the payment was made. Citibanamex the format that it provides for such
effects;
17. PAYMENT PRIORITY.- The payments made by the Client under the terms (VIII) You should know that you can register in the REUS through the mechanisms
established in this Contract, shall be applied in the following order: a) to the balance established therein for such purposes in order not to receive
due, understood as such in this order, taxes, interest, and principal information for marketing or advertising purposes at your number
derived from the provisions of the Credit Line and not covered on time; b) to phone number and/or email address;
current balance, understood as such, in this order, taxes, interests and Know the importance of keeping your data updated with
capital derived from the provisions of the Line of Credit, which are found in Banamex cards in order for you to be informed as a result of the
vigor. notifications that may be made under this contract;

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 Adhesion Contract Registration number: 2144-004-031146/02-03893-0819

(X) Accepts and acknowledges that installing the Card on Mobile Phones through Notice of Additional Line, payable no later than the payment deadline
applications to be read in Point of Sale Terminals of the Card, and whose respective amount was communicated to the Client in the Notice
Establishments, a will be installed on your Mobile Phone a of Additional Line; (ii) Ordinary interest on outstanding balances based on
presentation of the Card contracted under this contract, in order to at the fixed annual interest rate established in the Additional Line Notice; and
that it is used through the reading that is done of it at the Terminals (iii) the value added tax on interest. The amortizations
Points of Sale. Based on the above, you acknowledge and accept that the use of the monthly payments will be made through automatic charge to the Credit Line and
presentation Card installed on the Mobile Phone is subject to the will be included in the minimum payment of the same. The Client agrees to maintain
terms and conditions of this contract and does not constitute a line of sufficient available balance on the Card for the charges to be made
distinct credit being charges to the Credit Line. Likewise, it accepts and the monthly amortizations. The Client may make early payments and
acknowledges that the transactions carried out through said installed Card when these are not sufficient to amortize the outstanding balance in your
Mobile Phones will be reflected in your account statement with the number In this case, the amount of monthly amortizations will be reduced.
that corresponds to the presentation of the Card, so that it identifies you, pending. The fact of anticipating amortizations does not exempt the Client from
in any case, charges to the Credit Line derived from the Card make the payment of the following amortizations. In case the Client
registered on your mobile phone; make advance payments or for any reason Banamex cards cannot
(XI) Banamex cards inform you that you can check on the Internet Portal make the charge for the monthly amortizations on the Card, the Client
the accounts that Banamex Cards directly or through Citibanamex, you must pay them at any of the Citibanamex branches using
keeps active on social media; the established payment or deposit formats, or through
(XII) If Additional Cards have been requested, the Client will be responsible for any other means that Citibanamex and/or Banamex Cards may have
the transfer of the personal data you provide related to the enabled for it. Likewise, the Client may request Citibanamex to
prospects of Additional Cardholders at the time of the application for the receive advance payments, understanding these as payments that are not yet
the same as Additional Cards, so before the issuance of the Card requiring, in order to apply them to cover the immediate monthly payments
Additionally, the Client must have the consent of the prospects. next. When the payment amount exceeds what should be covered in
for said transfer and its subsequent processing based on the Notice of on the next payment date, Banamex Cards must obtain from the Client a
Banamex Card Privacy. written with handwritten signature that includes the following legend: "The Client
(XIII) The Client accepts that the Credit Line displayed in their first authorizes that the resources given in excess of their obligations
account statement is to be considered to determine your transactional profile exigible, it was not applied to the early payment of the principal, but rather it
initial. use to cover the Monthly Credit Payments in advance
immediate following.
19. ADDITIONAL COMPLEMENTARY LINE - Banamex Cards opens at Whenever the Client makes an advance payment, they must be provided with
Client the Additional Line, as long as the Client complies with all and each a receipt for that payment.
one of the requirements established by Banamex Cards and described in the The Client may make the full advance payment without having to pay
communication sent to the Client for that purpose. The Additional Line is any commission, for which you must check your current balance before
complementary to the Credit Card as it is identified under the same number make the payment via telephone at the Telephone Attention Center
account. This Additional Line can only be disposed of by the Client when they receive and make the payment on the same day. The Client may check the balance of the
the Additional Line Notice, within the deadline for its disposition and Additional line and amount of each of the monthly amortizations in
through the maximum number of disbursements or provisions that Cards the account statements of the Card.
Banamex informs the Client in that Notice. The above, provided that it does not In addition to the causes for early termination established in the clause
there is a delay in the payments of the Line of Credit. In the Additional Line, there is not. 24, the lack of timely payment of one or more of the monthly installments
interests, commissions, taxes, expenses, and others are included will enable Banamex Cards to demand immediate payment of the total balance
accessories that arise in accordance with it. from the Additional Line.
The Client must request from Banamex Cards the quantity(ies) they desire. The Client authorizes Tarjetas Banamex to charge the total amount of
to be made available within the approved limit and by the deadline for disposal. A additional line balance on the card, releasing Banamex cards
being fully placed the sum of money made available to the Client of of any responsibility for it, as long as the Line
the Additional Line or upon completion of the term within which the Client has Additionally, there is an overdue debtor balance of more than 90 calendar days.
disposition of the sum of money or made the maximum number of disbursements or And if it is not possible to carry out said charge for any reason, the Client
provisions informed by Banamex Cards, the Client will not be able to do you must pay the total debt at any of the branches of
disbursements of the Additional Line. The provisions or disbursements of the Line Citibanamex using the established payment/deposit formats for
Additionally, they can be carried out by phone or by any other means that Cards such effect. Once the Additional Line has been paid in full, the Client
Banamex makes available to the Customer through the Authentication Factors you will be able to rearrange it when you receive new Line Notices
according to the electronic medium used for disposal. The quantity(-ies) Additional and as long as there are no delays in the payments of the
available from the Credit Line according to the instructions received by the Client Credit Line, under the same terms as established herein
will be credited to the deposit account that Banamex Cards has or that clause.
the Client maintains with Citibanamex and indicates for such effect. The Client also
you will be able to access the Additional Line directly at the branches of 20. RELEASE OF BALANCES DUE TO DEATH.-In case of
Citibanamex, through the delivery of cash, when Banamex cards are established. death of the Client who is fulfilling their obligations
this possibility, presenting if so requested: (i) the Additional Line Notice, At the time of this event, Banamex cards will be released
in which you must sign to acknowledge receipt of the amount provided, and (ii) original and copy for outstanding balance of the Credit Line as of the date of death, either at
both sides of the Card, and a valid official identification with photo and through insurance, or by any other means that Banamex Cards
handwritten signature. determine, having as the maximum limit of the Credit Line. For
Once the Additional Line is arranged, Banamex Cards will send it to the Mail to make the release of the balance effective, interested parties must present to
Client's email, when it has been provided, or failing that to Banamex cards written notification, certified copy of the minutes of
your address, the information of the terms and conditions according to the amount death (in case of death abroad this must be
willing apostilled), as well as the information and documentation required by the
The Client agrees to pay Banamex Cards: (i) The amount drawn from the Line insurance company for the complete identification of the Client, within a period of
Additional through the number of monthly and successive amortizations that 180 calendar days counted from the date of the Client's death.
they include fixed capital payments plus accrued interest and their VAT or fixed payments The release of the balance will not include those balances originating from
monthly payments that include principal, accrued interest, and their VAT, as applicable arrangements made after the Client's death, by
has been informed to the Client, corresponding to the payment term established in the what Banamex Cards reserves the right to try to collect for the

BANAMEX CARDS, S.A. DE C.V., SOFOM, E.R., MEMBER OF THE BANAMEX FINANCIAL GROUP. Page 13
legal means that correspond. In the event that the cardholders ATM machines or other automated equipment, notified by the
Additional cardholders can continue using the Additional Cards after the death. Customer; or by some promotional program generated by Citibanamex and/or
of the Client, Banamex Cards may require the Additional Cardholders, Banamex cards. In these cases, the Customer will be contacted as soon as possible.
the payment resulting from transactions made after death. this situation, proceeding to issue you a new Card, due to the
replacement of the Card issued previously, without the need for the
21. AUTHORIZATIONS.- The Client authorizes Banamex Cards to: subscription of a new contract by the Client.
a) Provide the information that Banamex Cards deems appropriate to whom j) In the cases mentioned in the previous section, to carry out the transfer of the balance.
provide the operational and maquila services of the Card or operate or manage them debtor of the Credit Line of the Card, to the new account or Card
Programs related to the Card. substitute, the Client committing to settle the outstanding balance, regardless of whether
b) Provide the data and documents related to their identification to others. it has been generated by provisions with the original Card and/or with
entities that are part of the financial group of which Banamex Cards is a part, the replacement card.
with which it intends to establish a commercial relationship, with the aim of In the cases mentioned in the previous paragraph i), the Client agrees to notify
such companies integrate a single identification file. the change of account number and/or Card to those providers with
c) Incorporate the Card into Electronic Banking services, in accordance with the those who have contracted the Recurrent/Automatic Charge service,
terms and conditions provided in this Contract. leaving Banamex Cards exempt from all liability for the case
d) Use your biometric data, including voice, fingerprints, facial recognition or that the Client omits such notification. In the event that the supplier of
others, so that they may be used as a means of identification and authentication; The client maintains a relationship with Banamex Cards, the client in this act
as well as part of the operational characteristics of banking products and authorizes Banamex Cards to continue making the charges
financial services offered through Electronic Banking automatic ones corresponding to the new account number assigned.
e) Send you information related to promotions, date reminders of k) Enable the Cards for use abroad, in those cases where
payment and services of Banamex cards, as well as those of the members of the group that these would be valid solely and exclusively within national territory, and to
financial of which Banamex Cards is part and its subsidiaries, affiliates, modify the international system of the assigned Cards
controllers, associates, brokers, by any electronic means that (MASTERCARD or VISA), without the need for signing up for a new one
Banamex cards available for this shipment and to pay for the shipment if required. contract by the Client.
the promotion. In their case, regarding the Additional Cardholders, the Client l) Make the partial or total monthly payment of the Card, charged to a
authorizes Banamex Cards to send him directly related information savings account of Citibanamex, when requested by the Client.
with promotions and general information about the Additional Card, as well as enabling m) To assign or discount the Credit Line and/or the Additional Line, and their
to said Additional Cardholders, access to inquiry functionalities and collection rights over it. The Client may not assign the rights and
operation of such Additional Cards through the channels established by obligations arising from this Contract.
Banamex cards for this purpose, when allowed by legal provisions. n) The Client may authorize Banamex Cards to charge him/her for the
applicable. deposit account that the Client designates at the time, the amount of the
f) Provide to the institutions or organisms in the cases provided for by law minimum payments described on the deadlines by which they must be made
or applicable provisions, that information which is deemed pertinent and that the same, for which the Client agrees to maintain sufficient funds
it has to do with the reporting, treatment and/or prevention of crimes, offenses or during the validity of the credit and to notify Tarjetas Banamex in writing,
irregularities. any change of account number and/or branch.
g) To carry out on their own initiative or that of the Establishments, the validation of the Receive via Short Message Service (SMS) from Mobile Phone
security and information characteristics that they consider relevant, or through the email that the Client has registered
regarding the authorizations and/or transactions that occur with the Cards at any other channel that is enabled for such purposes, the acceptance of
protection and for the purpose of this Contract. promotions by the Client that involve a benefit for them such as
h) Partially or totally modify this Contract, therefore the Client such as promotional interest rates, deferral or partial payment of
grants its consent for Banamex Cards to inform you of the purchases with promotional interest rates, or enrollment in programs of
modification to the Contract by written notice sent through the benefits that do not involve any cost, among others.
account statement, at least 30 (thirty) calendar days in advance of the o) Incorporate, through the mechanisms that Banamex Cards will provide.
date on which you intend for the modifications to take effect. disposition of the Client, the balance of the Card and/or Additional Cards, to a
information, in turn, will be updated on the global Internet or in any restructuring debt plan, through i) personal payment plan,
from Citibanamex branches. ii) restructuring of credit with payments up to date, iii) restructuring of
In the event that the Client does not agree with the modifications to credit with overdue payments. To this end, Banamex Cards will do so
present Contract, the Client may request the termination of the Contract within Customer knowledge of the applicable conditions, understanding this
the 30 (thirty) calendar days following the notice mentioned above, without offer, as accepted by the Client, upon making the first payment.
no responsibility on your part and without Banamex Cards being able to charge you suspend or cancel the processing of operations or transactions that
any amount due to that cause. The termination you request within 30 intend to carry out through the use of Electronic Means, as long as
thirty natural days after the indicated notice will be carried out under the Banamex cards have sufficient elements to claim that
conditions prior to the modification, with the understanding that the modifications the agreed identification means for this purpose have been used
The Contract will come into force within the time period referred to in the previous paragraph. improperly or when an error is detected in the Instruction
The client must follow the procedure to terminate the contract. respective. Likewise, the Client authorizes Tarjetas Banamex to
established in section a) of clause 27, must cover, if applicable, the restrict your account in case it benefits from any
debts that are generated by the end of the operation. deposit or transaction from a third party, which is
The Client reaffirms that once 30 (thirty) calendar days have elapsed has been carried out through computer equipment or any other
following the notice of the entry into force of the modifications without considering technology and it is assumed that the agreed identification methods for
upon termination of the Contract, it will be understood for all legal purposes as its such effects have been used improperly. The Client, in turn
acceptance of the terms and conditions of the new Contract or any of its authorizes Banamex Cards to charge the respective amount to your account
modifications having as the valid adhesion contract in the operation the from the transactions made, in case your account turns out
in force registered with the National Commission for the Protection and Defense of benefited from a deposit made by a third party, it
Users of Financial Services in the Adhesion Contract Registry of previously, when Banamex Cards has evidence that the account
respective credit card product. The above is except for that contract of it was opened with false information or documentation, or else,
deletion from the mentioned registry due to discontinuation of the sale that the identification means agreed upon for the realization of the
credit card product, in which case, the notices will be considered of the the operation in question was used improperly and that
modifications that the Client has accepted to determine the current version of the such position is with the purpose of being credited to the account from which
same. the corresponding resources were processed. The above is in accordance with
i) Change the account number, the product, or the card numbers, when in accordance with the provisions of Article 52 of the Credit Institutions Law.
Banamex cards as I determine or in cases where the Client requests it and In case Banamex Cards accidentally credited money to the
Banamex cards I authorized. Likewise, to cancel this Contract or Client's credit account derived from this Contract, the Client
unilaterally block the use of the Cards for prevention reasons or authorizes Banamex Cards to charge the respective amount to the referred
security initiated by Banamex cards; due to theft, loss or withholding in It aims to correct the mistake made.

BANAMEX CARDS, S.A. DE C.V., SOFOM, E.R., MEMBER OF THE BANAMEX FINANCIAL GROUP. Page 14
 Adhesion Contract Registration number: 2144-004-031146/02-03893-0819

Banamex Cards will notify the Client via telephone or by any means.
provided for in clause 22, the carrying out of the actions that would have led to 27. VALIDITY AND TERMINATION OF THE CONTRACT.-The duration of this
in accordance with the provisions of paragraphs p) and q). The contract will be for an indefinite period; however, either party
it may be terminated at any time under the following terms:
22.- NOTICES.- The Client acknowledges and accepts that any notice that Cards a) The Client may request early termination from Tarjetas Banamex.
Banamex must disclose related to the Contract, it may do so of the Contract, by submitting a written request in
through any of the following means: (i) a written notice any Citibanamex branch, or by phone or through Media
sent to the Customer's address or delivered to any Branch; (ii) a message Electronics and/or through any other technology, that Banamex Cards
content in the Account Statement; (iii) a message sent to the Email have been made available to you for that purpose, for which Banamex Cards
from the Customer or a text message sent via Mobile Phone, when will carry out the procedures to ascertain identity and
that number or email address has been provided by the Client in the truthfulness of the Client who submits the request for termination of the Contract,
Request or later, in the form and terms that Tarjetas Banamex determines. by confirming the Client's data, personally, by means of
for such purposes; or alternatively, (iv) a message made known through the Portal of telephone, or any other technology or medium. Banamex cards
Internet, Electronic Banking or Citibanamex ATMs, will provide the Client with an acknowledgment of receipt and confirmation code or
when applicable; the above unless it is stipulated in the Contract that folio number that certifies the receipt of the termination request
they must be presented through another medium. respective. The Contract shall be terminated on the Business Day following the
The notices and any other communication from the Client to Tarjetas Banamex must from the presentation of the termination request by the Client, except
to be in writing and delivered to the Branch, unless the Contract stipulates otherwise that there are outstanding debts to be covered by this party, in which case,
they must be presented through another means. Banamex cards will inform the Client no later than the Business Day.
following the receipt of the request, the amount of the outstanding balance of the
Line of Credit with the understanding that such balance must include the
23.- PRIVACY NOTICE.- In compliance with the provisions of the Law
early settlement of the deferred payments provided for in clause 5.
Federal Law on the Protection of Personal Data Held by Private Parties, Cards
Within 5 (five) business days following the termination request
Banamex, with the address indicated in clause 28, informs the Client that the
Banamex cards will make the referred data available to the Client, in the
data obtained as a result of the banking operations that the Client requests or
Branch chosen by the Client. The Card and/or Additional Cards
celebrations with Banamex Cards will be handled confidentially through the
must be canceled on the date of submission of the application for
systems provided for such purposes and will be used for operation and recording
termination, for which the Client must deliver these or express
the products that the Client would have contracted, as well as to offer him, where appropriate,
in writing and under protest of telling the truth, that he does not have them,
other banking or financial products from Banamex Cards or from any of
blocking the Credit Line, so they will not be able to
its affiliates, subsidiaries, parent companies, associates, brokers, or companies
to take on new additional positions or provisions from that date,
members of the financial group of which Banamex Cards are a part and except for those already generated and not reflected and commissions for non-compliance
promotions of other goods or services related to the aforementioned products of payment or inappropriate clarifications that correspond, as well as the
banking.
accessories and interests that are generated until the moment the Client
The Client can consult the complete privacy notice at the following address liquidate the total balance of the credit. Likewise, Banamex Cards starting from the
from the Internet www.citibanamex.com/privacy-notice; likewise, any
date of submission of the termination request will cancel without its
modification to said privacy notice will be notified by Tarjetas Banamex to
responsibility, recurring charges or automatic charges, with
Client through any of the means provided in clause 22 or any independence of whoever retains the authorization of the positions
electronic means used to carry out operations with Banamex Cards, or
corresponding. The Client, in any case, will retain the same date of
well, through messages published in the Branches.
payment and conditions that I had prior to the termination request. In
neither the Client pays Tarjetas Banamex the total debts,
24.- EARLY TERMINATION.- The following shall be causes for early termination. The contract will not be terminated.
from the Credit Line and consequently Banamex Cards may require, through The payment has been made by the Client to the full satisfaction of Banamex Cards.
written communication sent to the Client's address, the immediate payment of the balance this last one will proceed to report to the credit information society that
total charged to the Client: respond that the account is closed and has no outstanding balance. The above
a) The lack of timely payment of one or more of the minimum payments indicated in the will be carried out within the timeframe established by the Law to Regulate
account statements. the Credit Information Societies. Within 10 (ten) Days
b) The unlawful use of the Cards by the Client and/or the Cardholders Skilled following the payment of the debts.
Additional. or on the following cutoff date, Banamex Cards will be made available to the
c) If any information or data provided by the Client in the request Client the statement or document that confirms the end of the relationship.
it turns out to be false or, if within five days following the date on which contractual and the non-existence of debts derived from that relationship. In the
change any part of the Client's information contained in the request, date on which the Contract is terminated, Banamex Cards will deliver
this does not give written notice to Banamex Cards of such change or Cards to the Client any balance that he has in his favor, by any means
Banamex does not give its written consent. available, deducting amounts and any payment concepts if applicable
d) If a procedure is initiated by or against the Client in order to which is applicable in accordance with the provisions of clause 15.
declare it in commercial or civil competition. The Client may also agree in writing to terminate the operation.
e) That the Client incurs in default or in non-compliance with the obligations through another financial institution that will be referred to as "recipient".
contracted regarding the Additional Line or if the Client fails to comply with any in order for the latter to open an account in the name of the Client and communicate
credit obligation in your charge and in favor of Banamex Cards or any other to Banamex cards, their commitment to the truthfulness and legitimacy of the
member of the financial group of which Banamex Cards is a part. termination instruction by the Client. In these cases Cards
Banamex will inform the 'receiving' financial institution the
25. DOCUMENT CONSERVATION.- Banamex cards will retain for information regarding the balance and that which is necessary for the
the periods set by the respective laws, counted from when the positions completion of the operation requested by the Client. The above in order to
corresponding have been recorded in the account statements, the promissory notes and that the financial institution "recipient" proceeds to settle the debt of the
other documents that the Client subscribes. Client becoming a creditor of the same for the amount
corresponding and to carry out the respective procedures under your
26. EXECUTIVE TITLE.- This Contract along with the certification responsibility and without charging any commission for such management.
The account payable of the authorized accountant of Banamex cards is an executive title in terms of In any case, the Client will have a grace period of 10 (ten) Days
from article 87-F of the General Law of Organizations and Auxiliary Activities Skills after the signing of this Contract, to cancel it, without that
Credit.

BANAMEX CARDS, S.A. DE C.V., SOFOM, E.R., MEMBER OF THE BANAMEX FINANCIAL GROUP. Page 15
Banamex cards may charge a commission and without any liability for
the Client, returning things to the state they were in before his signature.
The above, provided that the Client has not used or operated the Line of
Credit granted in this Contract.
b) Banamex cards, under the provisions of Article 294 of the General Law
of Titles and Credit Operations, shall have the right to restrict the amount of the
Credit Line or to report the Contract, at any time, extinguishing in
in this last case, the provision of the Line of Credit with the subsequent
cancellation of the Cards, notifying the Customer in both cases through
written communication addressed to the registered address on Banamex Cards or to
through your account statement.
In the event of a complaint or termination of the Contract for any reason, the Client shall
requires the return of the Cards to Banamex Cards, by virtue of the fact that they are
property of this.
In any case, the Client agrees to pay the entire outstanding balance owed by them.
in accordance with the provisions of this Contract, as long as the Client does not
I paid Tarjetas Banamex the total amount of the debts, the contract will not be deemed void.
finished.

28. DOMICILES.-For all judicial and extrajudicial purposes, the Client

indicates as their address the one specified in the Application or the one they indicate and certify
subsequently to Banamex Cards. In the event that the Client wishes to establish a
different and additional address exclusively for sending account statements and
other correspondence, you must request it at least 25 Business Days in advance
anticipation to the customer telephone service area of Banamex Cards and follow,
in its case, the mechanisms indicated by Banamex Cards. Banamex Cards
he/she indicates as their address located at 108 Mixcoac Avenue, Neighborhood
Actipan, Benito Juárez Town Hall, Zip Code 03230, Mexico City.

29. JURISDICTION, LEGISLATION AND COMPETENCE.- For everything

regarding the interpretation and compliance with this Contract, Cards
Banamex and the Client submit to the provisions issued by the Bank
Mexico, to those contained in the applicable banking, commercial, and civil laws, thus
like banking practices in the Mexican Republic, and to the jurisdiction and
competence of the Federal Courts of the Client's address indicated in the
clause 28, provided that it is within the territory of the States
United Mexicans, renouncing any other jurisdiction due to reasons of residence
or the neighborhood they might have or come to acquire in the future, being able to previously attend
to the conciliatory procedure referred to in Article 60 of the Law of
Protection and Defense of Financial Services Users.

Contacts:
BANAMEX CARDS, S.A. DE C.V., SOFOM, E.R., MEMBER OF
BANAMEX FINANCIAL GROUP (BANAMEX CARDS)
108 Mixcoac Avenue, Actipan Neighborhood, Benito Juárez Borough, Postal Code.
03230, Mexico City/ www.citibanamex.com
For reporting theft or loss, change of address, and/or updating data,
balance inquiry, monthly payment, and clarifications are available to you.
following phones:
Telephone Attention Center CAT:
Mexico City (55) 1226 4646
2262 639 1
From another city 01 800 021 2300
At the same time, it provides you with the following email address:
[email protected]

BANAMEX CARDS, S.A. DE C.V., SOFOM, E.R., MEMBER OF THE BANAMEX FINANCIAL GROUP. Page 16