So long as I have any eligible Citibank Account(s) ("Eligible Account(s)") as may be determined by you from time to time, and have been issued with a CIN and ATM-PIN, I may access certain of my Citibank Account(s) through CitiDirect.

Where you in your absolute discretion make CitiDirect available to me, I shall be allocated an ATM-PIN which you shall notify to me. I will also be allocated a CIN if I do not already have one. In order to access CitiDirect, I need to key in my CIN and ATM-PIN into the Customer Terminal.

I am responsible for keeping my CIN and ATM-PIN confidential, and I shall not reveal my ATM-PIN and/or CIN to any unauthorised party and shall take all steps to prevent discovery of my ATM-PIN by any unauthorised party. For security purposes, it is recommended that I memorize my CIN and ATM-PIN (instead of recording it down) and that I change my ATM-PIN regularly. I may change my ATM-PIN from time to time by using Change ATM-PIN screen within CitiDirect, and you will be entitled at your absolute discretion to reject any number I select as my substitute ATM-PIN without giving any reason therefor. In the event that my ATM-PIN is disclosed or discovered by any unauthorised party, I shall immediately change my ATM-PIN in the aforesaid manner.