Welloft

1. Unless otherwise specified, the Offer (as defined in Clause 13) apply to Cardholders of Citi Credit Cards, Debit Cards and Commercial Cards issued by Citibank (Hong Kong) Limited and other Citi entities (“Citibank”) (“Eligible Cards”) (“Cardholders”). ESD Services Limited (“Merchant”) may reject an Eligible Card if their payment system cannot handle some of the Eligible Card type, please contact the Merchant for details.

2. Cardholders are required to settle payment in full of Eligible Cards during the Promotion Period (as defined in Clause 12) to enjoy the Offers. For the avoidance of doubt, the Offers are not applicable to the following types of transactions: any transactions that are subject to cancellation, charge-back, return of goods and/or refund; any autopay, unposted transactions or any other payment transactions as specified by Citibank from time to time;, reloads of e-Wallet or Octopus Automatic Add-Value Service; or any other type of transaction as determined by Citibank from time to time.

3. Cardholders are required to state their intention to enjoy the Offers before ordering and settle the whole payment by Eligible Cards to enjoy the Offers.

4. Unless otherwise specified, the Offers cannot be used in conjunction with other special promotions, discounts, or promotional coupons, nor be transferred or exchanged for cash or other offers.

5. Availability of the Offers is subject to offers or service availability, account status checking and final acceptance by Citibank and the Merchant’s absolute discretion. Photos, product specifications and prices are for reference only.

6. Citibank shall not be responsible for any matters in relation to the related products or services provided by the Merchant. The Merchant is solely responsible for all obligations and liabilities relating to such products or services and all auxiliary services.

7. Citibank and the Merchant reserve the right to amend the terms and conditions without prior notice.

8. All matters and disputes are subject to the final decision of Citibank and the Merchant.

9. In the event of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.

10. Other terms and conditions apply, please inquire about the details with the Merchant.

11. The promotions, products and services mentioned in the referenced document are not offered to individuals residing in the European Union, European Economic Area, Switzerland, Guernsey and Jersey, Monaco, San Marino, Vatican, The Isle of Man, the UK, Brazil, New Zealand, Jamaica, Ecuador or Sri Lanka. The referenced document is not, and should not be construed as, an Offer, invitation or solicitation to buy or sell any of the promotions, products and services mentioned therein to such individuals. “Citi Credit Cards, Debit Cards and Commercial Cards: Enjoy 5% off at Welloft” Special Terms and Conditions:

12. Unless otherwise specified, the Offer (as defined in Clause 13) promotion period are valid from now until January 31, 2027 (both dates inclusive) ("Promotion Period"). 13. Cardholders of Eligible Cards must use the designated Promo Code “WELLCITI2026” (“Promo Code”) at checkout page at Welloft to enable 5% off on health checkup plans (“Offer”).

14. The Offer is applicable to purchases made online via Welloft website (https://www.welloft.com/hk/citi2026) or its associated mobile application.

15. The Offer is only applicable to body check-ups, and does not apply to vaccinations, Chinese medicine healthcare, and child development assessments.

16. For booking, please enter the Promo Code or indicate the usage of this Offer to customer service representatives and settle all payments in full by Citi Eligible Cards in order to enjoy the Offer.

17. Cardholders of Eligible Cards can only enter one Promo Code per transaction. The Offer cannot be exchanged for cash or other offers, cannot be used in conjunction with any other promotion codes and cannot be refunded after payment.

18. In case of any disputes, the decision of the Merchant shall be final.