Citibank is not responsible for any failure to submit and/or process any Redemption arising from Cardholders’ exit, voluntarily or involuntarily, during any of the steps illustrated under Clause 3, including but not limited to network disconnection, technical device malfunction or any delay, interruption or disruption of Bloom App or system. The minimum value of Bloom Coins that can be converted under each Redemption is HK$100.