Consumer Deposit
Account Agreement

U.S. Markets
Effective August 19, 2023

Contents
1

General Terms

2

9 Other Fund Transfer Services

60

2

Simplified banking

3

3 Relationship Tiers

610	Additional Important Terms
and Information64

4 Account Statements

10

11 Arbitration

66

5 Products

12

Appendix 1: Fee Schedule

69

6 Opening and Closing Accounts

29

Appendix 2: Funds Availability at Citibank

72

7

Account Transactions

38

Appendix 3: Discontinued Products,
Services and Features

75

8 Electronic Fund Transfers

49

Appendix 4: Definitions

77

How do I update my contact information?
We have multiple options you may be able to use to update your contact
information, including changing your profile settings on Citi Online or the Citi
Mobile App or speaking to a banker at a branch or through 1-888-CITIBANK.
For TTY: We accept 711 or other Relay Service.
It may be necessary for you to make your request in writing. To ensure quality
service, calls are randomly monitored and may be recorded.

Citi will never call and ask you to share your online password. We will never ask for remote
access to your electronic device. We will never ask you to wire funds to a safe location.
Refer to page 56 for more helpful tips.

© 2023 Citibank, N.A. Deposit Accounts are provided by Citibank, N.A. Member FDIC. Citi, and Citi with Arc
Design are registered service marks of Citigroup Inc.

Introduction
The Client Manual — Consumer Accounts and Marketplace Addendum (“CMMA”) applies to existing accounts thathave not been converted to simplified banking. The Consumer Deposit Account Agreement (alternatively referred
to as “CMA”, “Client Manual Agreement” or “Agreement”) applies to accounts in simplified banking. The CMA
includes certain changes to terms in the CMMA and new terms set forth in the Simplified Banking Summary. The
remainder of the CMA is a restatement of the CMMA. Terms, conditions and fees for accounts, products, programs
and services are subject to change. This Agreement is subject to change at any time without notice to you unlessrequired by law. As applicable, we will make amendments or amended versions of the Agreement available to you.
You can obtain copies of the current CMA and CMMA by phone, online at citi.com/accountagreementsandnotices
and in Citibank branches.
Definitions. In this Agreement, “we”, “our”, and “us” shall mean Citibank and “you” and “your” shall mean you,the account owner and your authorized representatives. Important terms and acronyms used throughout theAgreement are defined in Appendix 4. Other words or terms used in this Agreement may be defined in the context
in which they are used.
This Agreement is an agreement between you, a Consumer Deposit Account owner (including individuals
with authority to withdraw funds from or use your account, refer to Account Ownership), and Citibank, N.A.
(“Citibank”). “Consumer Deposit Accounts” (or “Account(s)”) mean consumer deposit accounts held with Citibank
such as Checking accounts, Savings accounts, Certificate of Deposit accounts, and products, services, andfeatures related to those accounts. IRA accounts are Consumer Deposit Accounts governed by the Citibank IRA
plan documents and this Agreement. Your Accounts may be subject to additional agreements when you enroll in
optional services.
When you open a Consumer Deposit Account, you agree you and your accounts will be governed by this Agreement.
Please review this Agreement carefully and keep a copy along with amendments for future reference.
Contact Us. You must give us your current mailing and email address.
Fraud. If you are concerned about suspected fraudulent use of your accounts, please contact us immediately
by calling the phone number on the back of your Citibank Banking Card or the Contact Us section of thisAgreement.
Complaints. You agree to contact us for any complaints or inquiries related to your Citibank accounts.
Protecting your Passwords and Credentials. Citibank will never ask for your password - so do not ever give yourpassword to any person, especially any person who contacts you and claims to be from Citibank. You agree tocontact Citibank promptly of any unauthorized use of your password or security breach. We may terminate yourdigital access to protect your interest or Citibank’s interest at any time.
Identity Theft. For any customer who believes they may be a victim of identity theft, we encourage you to visit
the Federal Trade Commission (FTC) website at www.IdentityTheft.gov which provides victims of identity theftwith resources to help guide you through the recovery process. For questions about FTC Identity Theft Recovery
solutions, please contact 1-877-438-4338. For TTY: We accept 711 or other Relay Service. If you have a concern
about suspected fraud, please contact us immediately.
Wire Transfer, Zelle Transfers, and ATM Security Tips. We encourage our customers to use safe and secure
practices at all times, especially when wiring funds or using a Citibank® ATM Card or Citibank® Debit Card. Wetake account safety and security very seriously and provided you with General Tips for Wire Transfer Safety inthis Agreement, emphasizing common types of fraud as described by the Federal Bureau of Investigation and theFederal Trade Commission. We have also provided you with ATM Security Tips and Zelle Safety Tips. You can findthese tips in the Electronic Fund Transfers section of this Agreement. We hope you’ll find these tips most helpfulin protecting your account(s) and minimizing risk.
Arbitration. Please read the Arbitration section of this Agreement. This section addresses how a disputeinvolving you and Citibank will be resolved. In the event of a dispute involving you and Citibank, you may not
be able to go to court, have a jury trial or initiate or participate in a class action.
1

1 General Terms
Citibank’s relationship with you is debtor and creditor. No fiduciary, quasi-fiduciary or other special relationshipexists between you and Citibank. We owe you a duty of ordinary care. Any internal policies or procedures we may
maintain above reasonable standards and general banking usage are solely for Citibank’s benefit and do notcreate a higher standard of care other than as required by law.
Waiver. We may delay in enforcing any of
our rights under this Agreement without
losing them. Any waiver by us shall not be
deemed a waiver of any other right or of
the same right at another time. You waive
diligence, demand, presentment, protest
and notice of every kind, except as set
forth in this Agreement.

Please consult the current version of the Agreement
which is available in branches and online at
citi.com/accountagreementsandnotices.

Severability. Unless otherwise stated, if any of the provisions of this Agreement are determined to be void or invalid,
the remainder of the Agreement shall remain in full force and effect.
Complaints and Inquiries. In the event you were referred by a Citibank affiliate or other party to open an accountwith Citibank, you agree to contact us for any complaints or inquiries related to your Citibank accounts.
Language. English is the controlling language governing your account. As an example, the English version
governs this Agreement.
If your preferred communication language is other than English, we may not be able to accommodate yourlanguage preference at all of our branches or for all products and services. As a courtesy, at your request and foryour convenience only, when you open an account we may be able to provide you with services in your preferredlanguage. Please note that other than Spanish, account communications and certain other notices, disclosuresand communications may only be available in English. Communication options include:• Agreement and Account Statements. For customers who inform us their preferred language is Spanish, upon
your request Citibank can provide you with an unofficial Spanish translation of this Agreement and Spanish
versions of your Account Statement. Although we may send you a Spanish version of your Account Statement,
you can obtain an English version upon request.
• Branch. Although some products and services provided in our branches may be available only in English, you
may be able to speak to a representative at a branch in your preferred language. Not all preferred languages
are available in every branch. Please call the phone number on the back of your Citibank Banking Card to findbranches with representatives who speak your preferred language.
• Customer Service. Many features on Citi Online and Citi ATM are offered in Spanish. You may be able to receive
customer service in your preferred language by calling the phone number on the back of your Citibank Banking
Card.
Consumer Use. Accounts are for personal purposes only and not for business purposes.

22 Simplified banking
With simplified banking, your consumer Eligible Deposit and Investment (EDI) accounts will be linked to create one
Combined Average Monthly Balance (CAMB) to determine your features and benefits. Higher CAMBs for deposit
account owners may allow you to join Relationship Tiers and receive Monthly Service Fee and Non-Citi ATM fee
waivers. Please refer to section 3 Relationship Tiers and section 5 Products. Simplified banking customers who own
multiple deposit accounts also may receive one Account Statement as explained in section 4 Account Statements.
Your CAMB is the total of the End of Day Available Now balances for all your EDI account(s) in a calendar month
divided by the number of days in that month. Your CAMB is based on the calendar month which may be different
than your Statement Period. You must be the owner (or beneficial owner) of an EDI account for the account tocontribute toward your CAMB. Not all accounts appearing on your Account Statements are EDI accounts. You
may contact us to learn which of your EDI accounts contribute to your CAMB. If you only have one EDI account,
your CAMB is based on the Average Monthly Balance of that EDI account.
Account linking in simplified banking replaces any prior written or oral linking requests or agreements made before
your accounts were converted to simplified banking. Any existing package waivers, including fee waivers, were
terminated when you or your accounts converted to simplified banking. Account linking in simplified banking has
no effect on accounts you have linked for other purposes such as setting up and performing certain transactions.

Consumer Eligible Deposit and Investment (EDI) Accounts
EDI Deposit Accounts Regular Checking, Access Checking, Citi Accelerate Savings,
Citi Savings, Citi Miles Ahead Savings, Citibank Savings Plus,
Certificates of Deposit
EDI Retirement IRAs and Roth IRAs, CGMI IRAs and Roth IRAs
Accounts
EDI Investment Investments in your linked Citigroup Global Markets Inc. (CGMI)
Accounts1 Accounts2 and annuity positions shown on linked CGMI AccountStatements3
The following accounts are excluded from EDI accounts: accounts owned by Estates, accounts
that are not consumer accounts, COMMA accounts, Collateral Holding accounts, Secured CD
accounts, personal investment companies, accounts in a money purchase plan or profit sharing
plan, accounts in a tax-qualified education savings plan, and accounts opened through Citi
Global Wealth at Work4, Citi Alliance4, Citi Private Bank4, and International Personal Bank4.
Investment accounts may be subject to further terms and requirements with CGMI.

INVESTMENT AND INSURANCE PRODUCTS: • NOT FDIC INSURED • NOT A BANK DEPOSIT • NOT INSURED BYANY FEDERAL GOVERNMENT AGENCY • NO BANK GUARANTEE • MAY LOSE VALUE

Offered through Citigroup Global Markets Inc. (CGMI)
Reduced by the amount of any outstanding margin loan balance. Accounts carried and securities-based
lending provided by Pershing LLC, member FINRA, NYSE, SIPC.
3
Except tax-qualified annuities which includes annuities that qualify under Sections 401, 403, 408 and 457 of
the Internal Revenue Code.
4
Banking products and services are provided by Citibank, N.A.. In the U.S., investment products and services areprovided by Citigroup Global Markets Inc. (CGMI), member SIPC. Investment Management services (including
portfolio management) are available through CGMI, Citibank, N.A. and other affiliated advisory businesses.
1

2

3

Family Links. Starting in the first month existing deposit customers who are Eligible Family Members(“Members”) are in a “Family Link”,5 their CAMB will include EDI accounts they own along with EDI accounts
owned by Members. The CAMB for your Family Link may be higher than your individual CAMB, entitling deposit
customers to join a Relationship Tier or different Relationship Tier.
When participating in a Family Link, all EDI accounts you own will be included in the CAMB for the Family Link;
you cannot remove individual accounts. Existing Members will be told the names of all existing Members andInvited Members who have accepted an invitation to join the Family Link.
If you are in a Family Link with someone who is not an Eligible Family Member or do not want to be in a Family
Link, opt out of the Family Link by speaking to a banker on the phone or in a branch. Existing Members can opt
out of Family Linking at any time. Your membership in the Family Link will be terminated on the day of your request.
Your balances will no longer be included in CAMB on the first day of the month after you opt out.
Eligible Family Members may create a new Family Link or join an existing Family Link. New Family Linking iscreated immediately when the Invited Member accepts the invitation. If you invite a new Eligible Family Member(Invited Member) to join a Family Link, you are responsible to inform all Invited Members and existing Members
about who is in the Family Link. Existing Members will be notified when an Invited Member has accepted theinvitation to join the Family Link. The Invited Member will not be added until 30 calendar days after Citibank
sends notice to existing Members. Family CAMB will be updated with the Invited Member’s balances on the firstday of the month after joining.
Legacy Relationships.
When converted to
Customers can only be in one Family Link or Legacy Relationshipsimplified banking, certain
at a time and each must have at least two Members. Minors
customers who owned
cannot be Members or LR Members. You cannot be in a Family
deposit accounts were
notified and converted to
Link or Legacy Relationship if you have opted out of Relationshipa “Legacy Relationship”
Tiers.
with each other when theyowned accounts in the same
package(s) (“LR Members”).
The CAMB for LR Members will include EDI accounts they own along with EDI accounts owned by other LR
Members. The CAMB for your Legacy Relationship may be higher than your individual CAMB, entitling you to joina Relationship Tier or different Relationship Tier.
When participating in a Legacy Relationship, all EDI accounts you own will be included in the CAMB for the Legacy
Relationship; you cannot remove individual accounts. Existing LR Members will know the names of all existing LR
Members. If you are in a Legacy Relationship with someone who is not an Eligible Family Member or do not want
to be in a Legacy Relationship, opt out of the Legacy Relationship by speaking to a banker on the phone or in abranch. Your membership in the Legacy Relationship will be terminated on the day of your request.
You cannot add new accounts or new LR Members to a Legacy Relationship, but you may be eligible to convert
your Legacy Relationship to a Family Link. One LR Member can convert the Legacy Relationship to a Family Link.
You will be notified if your Legacy Relationship has been converted to a Family Link.

5

4

I f you participated in Household Linking of Accounts prior to simplified banking, you were converted to Family
Linking pursuant to separate notice.

“Eligible Family Members” and “LR Members” are immediate family who reside at the same
address. When participating in Family Linking or Legacy Relationships, you agree to comply
with limitations described under this Agreement and in applicable law. Note the definitions aredifferent for retirement accounts. Attestation to these limitations may be required at any time
under federal regulations:• When accounts in a Family Link or Legacy Relationship include both deposit accounts
and accounts with one of our affiliates, immediate family members whose accounts cancontribute to certain Relationship Tier and pricing benefits are limited to the account ownerand spouse; the account owner’s parents, step-parents, siblings, step-brothers, stepsisters, children, step-children, grandchildren and their spouses.
• Retirement accounts can only contribute to pricing benefits for the retirement account ownerand spouse; the retirement account owner’s parents and grandparents, and the retirement
account owner’s children, grandchildren, siblings and their spouses.

Family Link Members and Legacy Relationship Members will not have accessto accounts or account balances they do not own, but Members will see
the CAMB range applicable to the overall balance of all EDI accounts in the
Family Link or Legacy Relationships on Account Statements. As a result, Joint
Account owners, Members of Family Relationships, and Members of Legacy
Relationships may be able to deduce approximate balances of other owners,
Members, and LR Members. When deciding to participate in Family Links andLegacy Relationships or when deciding to open a Joint Account, customers
should evaluate their privacy needs, along with their need for balance andcombined balance advantages.

5

3 Relationship Tiers
3.1 What are
Relationship
Tiers?

The Citi Priority Relationship Tier offers on-demand financial guidance, digital tools that fit
your lifestyle, and an enhanced level of benefits that support your needs as they evolve.
The Citigold® Relationship Tier offers personal service, collaborative financial guidance from
Citigold® Relationship Managers and Citi Personal Wealth Management Wealth Advisors, feewaivers and discounts on select deposit products, global travel benefits, and much more.
The Citigold® Private Client Relationship Tier offers premier banking with a higher level ofservice and wealth management for those with complex financial needs, plus access to travel
and lifestyle benefits, including unique experiences.

Relationship Tiers
Citi Priority

Citigold ®

Citigold®
PrivateClientMonthly Service Fees waivers
Monthly Service Fee waiver applicable in the months
customers are in the Citi Priority, Citigold or Citigold Private
Client Relationship Tiers.







Non-Citi ATM fee waivers
Customers will receive a fee waiver for their non-Citi ATM fee
in the months they are in the Citi Priority, Citigold or Citigold
Private Client Relationship Tiers.







Fee waivers and discounts on select deposit
products and services
Please refer to Appendix 1: Fee Schedule for a description of
reduced charges for customers in a Relationship Tier.







Higher Annual Percentage Yield
Customers in Relationship Tiers may receive a higher APY for
Citi Savings accounts and Citibank Savings Plus accounts.
Please refer to your Rate Sheet.







Increased Citibank Card Signature, PIN and Cash Limits
Please refer to Citibank Banking Card Transaction Limits
chart.



Increased Citibank Global Transfer Service Limits
Please refer to chart titled: Citibank Global Transfer Service
Limits for Account-to-Account Transfers by channel.







Lifestyle Benefits
Speak to a banker or visit citi.com to learn more.



Reimbursement of ATM Fees charged by other banks

Relationship Pricing benefits may be available to Citibank customers including Relationship
Tier customers. Speak to a banker or visit citi.com to learn more.
INVESTMENT AND INSURANCE PRODUCTS: • NOT FDIC INSURED • NOT A BANK DEPOSIT • NOT INSURED BYANY FEDERAL GOVERNMENT AGENCY • NO BANK GUARANTEE • MAY LOSE VALUE

6

3.2 What is
Re-Tiering?

Through Re-Tiering, if your CAMB meets the minimum Balance Range required for a higher
Relationship Tier for three consecutive calendar months, you’ll automatically join a higher
Relationship Tier. If you want to maintain your current Relationship Tier, your CAMB must meetits Balance Range for three consecutive calendar months or you will be Re-Tiered Out. You may
qualify for a Relationship Tier faster or maintain your Relationship Tier through Tier Acceleration.

CAMB Balance Range Chart
Citi Priority Balance
RangesCitigold®
Balance Ranges

Citigold® Private Client
Balance Ranges

To attain Relationship Tier

$30,000 – $199,999.99$200,000 – $999,999.99$1,000,000 or more

To remain in Relationship Tier

$30,000 – $199,999.99$180,000 – $999,999.99$800,000 or more

INVESTMENT AND INSURANCE PRODUCTS: • NOT FDIC INSURED • NOT A BANK DEPOSIT • NOT INSURED BYANY FEDERAL GOVERNMENT AGENCY • NO BANK GUARANTEE • MAY LOSE VALUE

3.3 How do
I join a
Relationship
Tier?

New accounts.
New EDI accounts opened by existing customers will be linked to their existing EDI accounts.
Existing customers cannot choose a Relationship Tier when they open a new account.
Only customers who did not own a Citibank Checking, Savings, CD, IRA, or investment
account (investment accounts are offered through CGMI) in the 30 calendar days prior
to opening their new EDI account (“New to Relationship” customers) can choose their
Relationship Tier when opening their new EDI account. New to Relationship customers
interested in opening a new deposit account in the Citigold Private Client Relationship Tiermust apply with a banker in a branch or over the phone.
For New to Relationship customers, CAMB review for Re-Tiering will begin in the first fullmonth after account opening, but it takes three months of sustained Balance Ranges for an
Up-Tiering or Re-Tiering Out change.

7

Existing accounts and Re-Tiering.
Relationship Tiers for existing customers can change in any month. Your CAMB will be reviewed each calendar
month in comparison to Relationship Tier Balance Range requirements, but it takes three months of sustained
Balance Ranges for a Re-Tiering change.
If you increase your balances:If you decrease your balances:If your CAMB range meets the minimum Balance
Range required for a higher Relationship Tier for threeconsecutive calendar months, you’ll automatically be“Re-Tiered Up”.

If your CAMB drops below your Relationship Tier’s
minimum Balance Range for three consecutive
calendar months, you’ll automatically be“Re-Tiered Out”.

Your individual Account Statement will show your current monthly Relationship Tier, your 3-month CAMB Balance
Range history and your 3-month Relationship Tier history as of the date of the Account Statement. The EDI
accounts contributing to the CAMB range displayed on your Account Statement(s) may not appear on one Accountstatement. Some accounts appearing on an Account Statement are not EDI accounts. CD account and IRA accountcustomers with no other deposit accounts do not receive Account Statements and will be notified about their
Relationship Tier by separate communication. CD account and IRA account customers can contact Citibank at
any time to learn their current monthly Relationship Tier, their 3-month CAMB range history, and their 3-month
Relationship Tier history.
When customers own accounts as Joint Owners, the Relationship Tier associated with their account will
be determined by the highest Relationship Tier among joint owners. The CAMB shown on a Joint AccountStatement will show the highest CAMB range among account owners.
Opting Out of Relationship Tiers. You may opt out of Relationship Tiers at any time by speaking to a banker. If you
opt out of Relationship Tiers, you will not be eligible for Family Linking, Legacy Relationships, Tier Acceleration, ReTiering, or the Relationship Tiers Citi Priority, Citigold, or Citigold Private Client. When you opt out, you are ineligiblefor Relationship Tiers even though your CAMB range will be displayed on your Account Statement. Opt out iseffective on the first calendar day of the month after your opt-out request. Opting out of Relationship Tiers has noeffect on your Customer Statement Grouping (Please refer to section 4 Account Statements).
Tier Acceleration. Deposit customers may be able to join Relationship Tiers faster and maintain your existing
Relationship Tiers by enrolling in Tier Acceleration. Enrollment is required. To enroll please go to Citi Online or
the Citi Mobile App or speak to a banker. For three months after enrollment, Citibank will review your “End ofDay” balances on the last Business Day of the month across all EDI accounts you own (“EOD Balance”). YourEOD Balance is your Available Now Balance across eligible deposit and investment accounts at 10:30 p.m. EST.
If your EOD Balances meet the Balance Range for the same or a higher Relationship Tier on the last Business Day
on one or more eligible months, you will maintain or join Relationship Tier on the first day of the next calendar
month. If your EOD Balances are lower than the Relationship Tier you are currently in, Re-Tiering will control yourRelationship Tier. If at least one Member of a Family Link or Legacy Relationship is enrolled in Tier Acceleration,
the Family Link or Legacy Relationship is eligible for Tier Acceleration. There are no restrictions on the number oftimes an existing customer can enroll in Tier Acceleration. Tier Acceleration expires after 3 consecutive months.
The month you enroll counts as the first of those 3 months.
Individual deposit account EOD Balances are available on Citi Online, on the Citi Mobile App or by speaking toa banker in a branch or on the phone. As applicable, bankers can also provide your Legacy Relationship, or your
Family Link’s EOD balances across all eligible EDI accounts.
Tier Exclusions. Tier Exclusions apply to certain customers. Except for Citigroup Employees eligible for ibank@citi, customers with a Tier Exclusion will be notified. When converted to simplified banking, any package
waiver(s) (such as Citigold® or Citigold® Private Client) or any Monthly Service Fee waiver(s) applicable to you or
your accounts will be terminated.
8

ibank@Citi

ibank@citi is a form of Tier Exclusion. Certain employees may be eligible for additional Tier
Exclusions explained via separate notice.
Eligible Employees

Employees of Citigroup and its affiliates working in the UnitedStates and its territories (“Eligible Employees”) who own a deposit
account that is also an EDI account are eligible for ibank@citi. Whenno longer an Eligible Employee, Citibank will begin evaluating CAMB
against standard Balance Ranges through Re-Tiering beginning on
the first day of the next calendar month.

Application

If you believe you are eligible for the ibank@Citi program and are notreceiving benefits, please contact us.

Relationship Tiers

Eligible Employees are in the Citi Priority Relationship Tier.
Eligible Employees have reduced CAMB Balance Ranges to attainand maintain Citigold ($100,000) and Citigold Private Client($500,000) through Re-Tiering or Tier Acceleration.

Limitations

Eligible Employees cannot share their ibank@citi benefits withmembers of a Family Link or Legacy Relationship. ibank@citi only
applies to accounts owned by Eligible Employees.

Please reach out to CPWM to learn about ibank@citi benefits and features for ibank@citi
Eligible Employees.
INVESTMENT AND INSURANCE PRODUCTS: • NOT FDIC INSURED • NOT A BANK DEPOSIT • NOT INSURED BYANY FEDERAL GOVERNMENT AGENCY • NO BANK GUARANTEE • MAY LOSE VALUE

94 Account Statements
We provide customers with an “Account Statement” showing an itemized listing of all transactions and otheraccount information during the Statement Period. Your Account Statement may include important legal notices
about your accounts using statement messages or statement inserts. CD account and IRA account customers
with no other deposit accounts do not receive Account Statements and can contact Citibank at any time foraccount information.
Your accounts may be combined on a common Account Statement (“Customer Statement Grouping” or“CSG”) based upon various factors such as account ownership, the title(s) of your account(s), your paperlesspreferences, and the mailing addresses associated with your account(s). Under certain circumstances, you
can request to separate your Account Statements for each account in your CSG. As shown on your AccountStatement, a “Statement Period” means any 28-to-31 day period covered by your Account Statement. Unless
you are in a Relationship Tier or own a Citi Miles Ahead Savings account, you can request to change yourStatement Period Date(s). Any change to your Statement Period Date will impact all Checking Plus account(s) onthat Account Statement. Speak to a banker to learn more.

Communicating with Owners and Signers.
Regardless of the number of account owners, we generally only communicate with one owner
per account. Account Statements and notices are sent to the first-titled owner on an account.
Certain accounts are managed by fiduciaries or individuals who receive Account Statements(please refer to Account Ownership). Notification given to any one account owner, signer, or
fiduciary is considered notification to all account owners.

On statements, Joint Account owners will see the highest balance CAMB range and highest Relationship Tier
including information about other Joint Account owners.
Cancelled Check Options. If you have a checking account and receive a paper Account Statement, you may electto have your check images delivered with your Account Statement. You must speak with an account representative
to sign up for this service. Please note that if you receive check images with your statement, included among
those images may be some checks which were presented for payment but which were returned unpaid after yourstatement was prepared and sent to you. Images of your cancelled checks presented within the past 18 months arealso available to you through Citi Online. Additionally, you may request a copy of any of your cancelled checks bycalling the phone number on the back of your Citibank Banking Card.
Mail. “Mail” refers to communications sent in any manner allowed by law, including but not limited to e-mail,digital communications, or postal mail.
Contact Information and Communications. Citibank will send you Mail using the contact information you provide
Citibank; however, in our sole discretion, we reserve the right to change your Residential and/or Mailing Address(es)based on information received from third parties we believe have up-to-date address information for you, such as
the United States Postal Service. An incorrect address may prevent receipt of Mail. We will not be liable for errors,
debits or charges to, or your inability to transact in, your account resulting from an incorrect or improper Residential
Addresses, Mailing Address or other relevant contact information.

10

Notification is considered delivered to you on the date we first place the Account Statement in the U.S. mail or on
the date the email notifying you that your statement is available on Citi Online or the Citi Mobile App is first sent,
regardless of whether you receive it.
We use postage-paid ordinary postal-mail to send your Account Statements and notices to the mailing address
reflected in our account records. If two consecutive statements and/or notices are returned to us for any reason,
you agree that we may hold subsequent notices and statements until we receive forwarding information from you.
Account Statements and notices held for you will be deemed delivered to you on the date that they are prepared (forheld statements), mailed (for returned statements) or otherwise made available to you. In our discretion, we may
destroy mail that is returned to us as determined to be undeliverable.
Instead of receiving a paper Account Statement through ordinary postal mail, any owner may elect to enroll theaccount in our paperless statement service when registered for online banking. If you elect to use the paperlessstatement service, we will notify you via email of the availability of your Account Statement on Citi Online or
the Citi Mobile App. The terms and conditions for the paperless statement service are subject to a separate
agreement which you will accept when enrolling in the service and can view at any time on Citi Online and theCiti Mobile App. Changes to your account paperless preferences may change which accounts appear on yourAccount Statement(s).

Residential and Mailing AddressesYour “Residential Address” is used to manage your account. Your “Mailing Address” is where
you would like to receive notices and Account Statements. Changing your Residential
Address or Mailing Address will not change the Governing Law or Rate Region of any of yourexisting accounts.

11

5 Products
Citibank offers Consumer Deposit Accounts, including Checking accounts, Savings accounts, and Certificate of
Deposit accounts.

5.1 Introduction
Minimum Opening Deposit for Checking accounts and Savings accounts. There is no minimum opening
deposit required to open a Checking account or Savings account at Citibank; however, your balance may affectyour Relationship Tier, whether your account remains open, and the fees associated with your account. Pleaserefer to Monthly Service Fee and Non-Citi ATM Fee Chart.
• Accounts with zero balances are subject to closure after 90 days.
• Minimum CAMB Balance Ranges in deposit EDI accounts are required to maintain Relationship Tiers.
• If none of the owners of a Savings account own a Checking account a $4.50 monthly service fee and $2.50
Non-Citi ATM fee will apply unless the Savings account maintains a $500 Average Monthly Balance or has
been opened in the last three calendar months.
Fees. Please refer to section 5.2 Monthly Service Fees and Non-Citi ATM Fees and Appendix 1: Fee Scheduleof this Agreement. Monthly Service Fees and monthly Non-Citi ATM fees will appear as charges on the first
Business Day of your next Account Statement.
Limited Availability. Products, services, promotions and benefits are available in select markets and may only beavailable to select customers.
Checkbooks and Checks. When you open a Checking account or Savings account with a check writing feature,
you can order personalized checks through us. We will automatically deduct the cost from your account balance
after your order is processed. You are responsible for verifying the accuracy of all information shown on yourchecks. If you find an error, you must notify us immediately.
If you choose to have your checks printed by another vendor, the form, encoding and format of the checks must
follow our check specification requirements and be approved by us in advance. If you do not purchase yourchecks through us, we may charge a fee for each check that rejects during processing due to poor print quality,
or if it fails to meet our specifications. You agree not to issue checks with features or marks that obscure, alter or
impair information on the front or back of a check or that otherwise prevents us or another bank from capturing
such information during automated check processing.
You agree to safeguard your blank and cancelled checks, and to take reasonable steps to prevent theirunauthorized use. If your checks are lost or stolen, you agree to notify us immediately. For security reasons, wereserve the right to close your account and transfer the balance to a new account. If we do, all checks written but
not yet paid may be returned to the payees. You will be responsible for issuing any replacement checks.
Converting product types. Customers may be able to convert their Consumer Deposit Accounts from one typeto another type by speaking to a banker. Customers cannot convert their Relationship Tiers. Customers may see
an account conversion immediately on Citi Online or the Citi Mobile App, but account conversion is effective
the day after the customer requests to convert. You will be subject to your converted account’s fees, APY, andbenefits at the time conversion is effective. Please refer to section 4 Account Statements to learn more about
how conversion impacts Account Statements.

12

The following are the only account conversions permitted:
These accounts can be converted

into

Citi Miles Ahead Savings accountCiti Savings account or Citi Accelerate Savings accountCitibank Savings Plus accountCiti Savings or Citi Accelerate Savings

Regular Checking

Access Checking

Access Checking

Regular Checking

The following account conversions are not permitted:
These accounts cannot be converted

into

Citi Savings account, Citi Accelerate Savings accountor Citi Miles Ahead Savings accountCitibank Savings Plus accountCiti Savings account, Citi Accelerate Savings accountor Citibank Savings Plus accountCiti Miles Ahead Savings accountCertificate of Deposit accountAny account or product. Please refer to Automatic
Renewal and Grace Period under section 5.5
Certificates of Deposit

5.2 Monthly Service Fees and Non-Citi ATM Fees
Citibank charges each Checking account and Savings account a Monthly Service fee. Checking accounts andSavings accounts will be charged a Non-Citi ATM fee if you use a Network ATM other than at a location within
our surcharge-free network.

What is a Monthly Service Fee?
A “Monthly Service Fee” is the amount you pay per account, each calendar
month, to maintain and service your Checking account or Savings account at
Citibank. In addition, service, transaction or other fees may be charged by Us
and are not covered by the Monthly Service Fee. Please refer to Appendix 1:
Fee Schedule in this Agreement and, as applicable, fee disclosures provided
at the time of a transaction or when a service is provided.

What options do I have to waive my Monthly Service Fee andNon-Citi ATM fee(s)?
Customers have multiple options to waive their Monthly Service Fee and NonCiti ATM fees. You may qualify for more than one of the options in the samemonth. Please refer to the Monthly Service Fee and Non-Citi ATM Fee Chart.

13

Monthly Service Fee and Non-Citi ATM Fee Chart
Standard Fees

Monthly Service Fee and Non-Citi ATM Fee Waived in months
where the following situations apply

Citigold
Private Client,
Citigold or
Citi Priority
Relationship
Tiers

Month ofaccount
opening andfor the first 3
full calendar
months after
account
opening.

Monthly
Service
Fee

Non-Citi
ATM FeeRegular
Checking

$15

$2.50

Enhanced Direct Deposit of$250 or more

Yes

Yes

AccessChecking

$5

$2.50

Enhanced Direct Deposit6 of$250 or more
Important: Non-Citi ATM fee
is non-waivable

Yes

Yes

Citi Savings7

$4.50

$2.50

Average Monthly Balance of$500 or moreor
Any owner also owns a
Checking account

Yes

Yes

Citi Accelerate
Savings

$4.50

$2.50

Average Monthly Balance of$500 or moreor
Any owner also owns a
Checking account

Yes

Yes

Citi Miles Ahead
Savings

$0

$0

N/A

N/A

N/A

Court Ordered
Money Market

$0

$0

N/A

N/A

N/A

Description

Activity

What is a Non-Citi ATM fee?
There is no charge for making cash withdrawals with a Citibank Banking Card at Proprietary
Citibank ATM locations in the U.S., but Citibank will charge you a “Non-Citi ATM fee” when you
use a Network ATM other than at a location within our surcharge-free network.

 n Enhanced Direct Deposit is an electronic deposit through the Automated Clearing House (“ACH”) NetworkAof payroll, pension, social security, government benefits and other payments to your checking account totalingat least $250 or more in a calendar month. An Enhanced Direct Deposit also includes all deposits via Zelle
and other P2P payments when made via ACH using providers such as Venmo or PayPal. Teller deposits, cash
deposits, check deposits, wire transfers, transfers between Citibank accounts, ATM transfers and deposits,
mobile check deposits, and P2P payments using a debit card do not qualify as an Enhanced Direct Deposit.
7
Uniform Transfers to Minors Accounts (UTMA) accounts are not charged a Monthly Service Fee when thebeneficiary is younger than 18 years of age.
6

14What are fees charged by ATM operators?
When you use a Network ATM other than at a location within our surcharge-free network,
you may be charged a fee by the ATM operator or network, including for a balance inquiry
even if you do not complete a transaction. Fees charged by ATM operators and networks arerefunded by Citibank to customers in the Citigold or Citigold Private Client Relationship Tier.
We rely upon data we receive from the ATM operator to accurately calculate the amount of
the reimbursement to you. If you are charged a fee for the use of an ATM overseas or if you
believe you did not receive a correct reimbursement, please contact us for a full refund. For fees
imposed due to withdrawing cash from your linked Citibank credit accounts (including credit
cards), see your applicable customer agreements.

15

5.3 Checking Accounts
Citibank offers two checking account products (collectively “Checking accounts”): Regular
Checking accounts and Access Checking accounts.

5.3.1 Regular Checking accounts
Availability
How toApply
Key
Features

Regular Checking accounts are available in all Citibank markets.
Regular Checking account applications are available in branch, on Citi Online, through theCiti Mobile App or by calling the phone number on the back of your Citibank Banking Card.
Regular Checking accounts• offer check writing• do not earn interest

OverdraftProtection

Safety Check is available for Regular Checking accounts. Upon application and subject tocredit approval, a Checking Plus® (variable rate) Line of Credit for overdraft protection can belinked to a Regular Checking account.

5.3.2 Access Checking accounts
Availability
How toApply
Key
Features

Access Checking accounts are available in all Citibank markets.
Access Checking account applications are available in branch, on Citi Online, through the Citi
Mobile App or by calling the phone number on the back of your Citibank Banking Card.
Access Checking accounts• do not offer check writing and checks cannot be ordered• do not earn interest
Checks cannot be ordered for an Access Checking account. Any transactions on an Access
Checking account that involve a check, including written checks, check by phone or thirdparty authorizations that come through as a check transaction will not be honored. When
providing account and routing numbers to merchants to make a payment, (whether inperson, electronically or over the phone) you need to ensure that the merchant is using theACH (Automated Clearing House) system to process the transaction as an electronic debit,
as ACH is an accepted form of payment for these account types. If the merchant processes a
payment as a check, the check will be rejected and not paid. You may be charged a fee by themerchant if this happens.

OverdraftProtection

Access Checking is designed so that certain transactions will not be authorized. For example,
any PIN-based or Point of Sale, ACH or Debit card transaction, or ATM withdrawal initiatedfor an amount over your available account balance will be declined.
Neither Safety Check nor a Checking Plus® (variable rate) line of credit can be linked to an
Access Checking account for overdraft protection. Citibank offers a limited exception to thisrule. If your Regular Checking account in the Access Account Package was converted to an
Access Checking account and had a linked Safety Check or Checking Plus® line of credit at thetime of conversion, the existing links will remain. If a customer terminates their Safety Check or
Checking Plus® line of credit link to an Access Checking account, they cannot be reinstated.

16

5.4 Savings Accounts
Citibank offers three savings and money market account products (collectively “Savings
accounts”) that give you the ability to earn short-term market rates: the Citi Savings account,
the Citi Accelerate Savings account, and the Citi Miles Ahead Savings account. In limited
circumstances, customers may be eligible for a fourth Savings account product, a Court
Ordered Money Market account (Please refer to section 5.4.4 Court Ordered Money Market(COMMA) accounts).
Savings accounts are available in select markets. Certain Savings accounts may haveeligibility requirements such as card ownership for Citi Miles Ahead Savings accounts andcourt orders for COMMA accounts. You will be advised of your eligibility to open a particular
Savings account at the time of account opening, but please also see eligibility requirements
under each Savings account description in this Agreement.
Reservation. We reserve the right to require 7 days advance notice before permitting a
withdrawal from all Savings accounts. We currently do not exercise this right and have notexercised it in the past.

5.4.1 Citi Savings accounts
Please note: “Citi Savings account” refers to a specific Savings account type and not to any
Savings account at Citibank.

Availability

Citi Savings accounts are available in select markets. Applicants 1) who apply in a physicalbranch location or with an employee in a physical branch by phone (including video calls) or
2) who use a residential address in one of the following locations are eligible to apply to open
a Citi Savings account: California, Connecticut, the District of Columbia, Maryland, Nevada,
New Jersey, New York, Virginia, and select markets in Florida and Illinois.

How toApply

Citi Savings accounts are available in branch, on Citi Online, through the Citi Mobile App or bycalling the phone number on the back of your Citibank Banking Card.

Key
Features

The Citi Savings account offers check writing and access to funds via an ATM card. The Citi
Savings account does not have any limitations on the number of withdrawals you make inyour account, including the number of check transactions.

5.4.2 Citi Accelerate Savings accounts
Availability

Citi Accelerate Savings accounts are available in select markets. Applicants must use a
residential address in one of the following locations when applying to open a Citi Accelerate
Savings account: Armed Forces America, U.S. Armed Forces — Europe, Alaska, Alabama, U.S.
Armed Forces — Pacific, Arkansas, American Samoa, Arizona, Colorado, Delaware, Georgia,
Guam, Hawaii, Iowa, Idaho, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maine,
Michigan, Minnesota, Missouri, Northern Mariana Islands, Mississippi, Montana, North
Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon,Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas,
Utah, Virgin Islands, Vermont, Washington, Wisconsin, West Virginia, Wyoming and selectmarkets in Florida and Illinois.

17How toApply

You cannot apply to open a Citi Accelerate Savings account in a physical branch location orwith an employee in a physical branch by phone (including video calls). You may apply to open
a Citi Accelerate Savings account on Citi Online, through the Citi Mobile App or by calling thephone number on the back of your Citibank Banking Card.

Key
Features

The Citi Accelerate Savings account does not offer check writing but provides access tofunds via an ATM card. The Citi Accelerate Savings account does not have any limitations on
the number of withdrawals you make in your account. Any transactions on a Citi Accelerate
Savings account that involve a check, including written checks, check by phone or third-party
authorizations that come through as a check transaction will not be honored.

5.4.3 Citi Miles Ahead Savings accounts
Availability

Only select “Eligible Cardmembers” who have received a direct communication or
advertisement (“Communication”) from Citibank inviting them to apply are eligible for
the Citi Miles Ahead Savings account. You are only eligible to open a Citi Miles Ahead
Savings account associated with the Eligible Card stated in the Communication. Eligible
Cardmembers who already own a Citi Miles Ahead Savings account cannot open another Citi
Miles Ahead Savings account.

How toApply

Although a Citi Miles Ahead Savings account can be owned by more than one owner, theowner of the Eligible Card identified on the Communication must be the first titled owneron the Citi Miles Ahead Savings account. Eligible Cardmembers must furnish or have avalid Form W-9 (Request for Taxpayer Identification Number and Certification) on file with
Citibank or Form W-8BEN (Certification of Foreign Status of Beneficial Owner for UnitedStates Tax Withholding and Reporting (Individuals)) on file with Citibank and are not subject
to back-up withholding.
Eligible Cardmembers can apply to open a Citi Miles Ahead Savings account on Citi Online,
through the Citi Mobile App or by calling the phone number on the back of your Citibank
Banking Card. Citi Miles Ahead Savings accounts cannot be opened in a physical branchlocation or with an employee in a physical branch by phone (including video calls).
Applicants must use a residential address in one of the following locations when applying
to open a Citi Miles Ahead Savings account: Armed Forces America, U.S. Armed Forces —Europe, Alaska, Alabama, U.S. Armed Forces — Pacific, Arkansas, American Samoa, Arizona,
Colorado, Delaware, Georgia, Guam, Hawaii, Iowa, Idaho, Indiana, Kansas, Kentucky,
Louisiana, Massachusetts, Maine, Michigan, Minnesota, Missouri, Northern Mariana Islands,
Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New
Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina,
South Dakota, Tennessee, Texas, Utah, Virgin Islands, Vermont, Washington, Wisconsin,
West Virginia, Wyoming and select markets in Florida and Illinois.

18

Key
Features

Citi Miles Ahead Savings accounts are associated with the one Eligible Card identified
in the Communication. “Eligible Cards” are identified in your Communication as Citi® /AAdvantage® Platinum Select® World Elite™ Mastercard®, Citi® / AAdvantage® Executive
World Elite™ Mastercard®, Citi® / AAdvantage® Gold World Elite™ Mastercard® and American
Airlines AAdvantage MileUpSM credit cards.
The Citi Miles Ahead Savings account does not offer check writing but provides access tofunds via an ATM card. Any transactions on a Citi Miles Ahead Savings account that involvea check, including written checks, check by phone or third-party authorizations that comethrough as a check transaction will not be honored.

CAMB

Citi Miles Ahead Savings accounts are included in your CAMB.

Bonus
Miles

New Citi Miles Ahead Savings accounts opened by a Tax Certified Eligible Cardmember canearn up to 50,000 AAdvantage Bonus Miles (“Bonus Miles”) if they fulfill Required Activities.
Required Activities
First, deposit at least the “Minimum Balance” for one of the “Levels” (refer to the Bonus Miles
Chart) in New-to-Citibank Funds into your new Citi Miles Ahead Savings account by the 20th
Day after account opening. If you open your new Citi Miles Ahead Savings account over thephone, we will look at the 30th Calendar Day after you open your account to determine your
Maximum Bonus Miles. Multiple deposits are allowed.
“New-to-Citibank Funds” are funds deposited from accounts external to Citibank, N.A. anddeposited: 1) using Enhanced Direct Deposit, or 2) with checks, or 3) through wire transfers.
Cash deposits, Citi Global Transfers, Citi debit cards, and transfers between Citibank
accounts do not qualify as New-to-Citibank Funds.

Bonus Miles Chart
Level

Minimum Balance

Maximum Bonus Miles

1$10,000.00 – $49,999.99

20,000 miles

2$50,000.00 – $199,999.99

40,000 miles

3$200,000.00 +50,000 miles

Second, on the 20th Day after you open your Citi Miles Ahead Savings account we will checkyour “On Deposit” balance in New-to-Citibank Funds to determine the Maximum Bonus
Miles you can potentially earn (“Balance”). You must maintain at least the Level 1 Minimum
Balance for 60 consecutive calendar days starting on the 21st day, or 31st if you opened youraccount by phone, (“Maintenance Period”) to earn the Bonus Miles. Please understandif your Balance falls into a lower Minimum Balance Level for even one day during theMaintenance Period, your Maximum Bonus Miles will change (refer to the Bonus Miles
Chart). For example, if you were in Level 3 on the 20th Day, and your balance drops to Level 1during the Maintenance Period, you will be eligible to earn the Bonus Miles in Level 1.
Third, your Citi Miles Ahead Savings account and Eligible Card must be open and in goodstanding from the time you open your new Citi Miles Ahead Savings account until the time
the applicable miles are credited. The Bonus Miles will be credited within 90 calendar days
from the date you complete all Required Activities.
19

Important Tax Information: Cash equivalent of the bonus miles will be reported to IRS
as interest to the first titled owner on the account, in the year received, as required byapplicable law. Bonus payments received by U.S. citizens or resident aliens will be reportedon IRS Form 1099-INT. Bonus payments received by non-resident aliens will be reportedon IRS Form 1042-S. Customer is responsible for any applicable taxes and consulting a tax
advisor. Citi is not a tax advisor.

Miles Boost

Citi Miles Ahead Savings accounts offer a Miles Boost. Eligibility for the Miles Boost isdetermined by the Average Monthly Balance (AMB) of the Citi Miles Ahead Savings account.
AMB is calculated through the last Business Day of the month and will appear in the fee box
on your Account Statement.
After your Citi Miles Ahead Savings account reaches an AMB of $10,000 (“Additional Miles
Eligibility Date”), you will earn 25% more AAdvantage Miles for the first fifty thousand dollars($50,000) in purchases per calendar year appearing on your Eligible Card’s billing statement(“Miles Boost”).
For example, if your January AMB is $10,000 and you earn 1,000 AAdvantage Miles forpurchases made in a billing cycle, then you will earn an additional 250 AAdvantage Miles forthe billing cycle that ends in February under the Miles Boost. If your February AMB is $500,
you will not earn a Miles Boost for your billing cycle that ends in March. If your March AMB
rises above $10,000 again, you will receive the Miles Boost starting on the billing cycle that
ends in April.

Miles
Exclusions
andRestrictions

AAdvantage® Miles earned from the Miles Boost do not count toward elite-statusqualification or AAdvantage Million MilerSM status.
Citi Miles Ahead Savings account owners will not earn a Miles Boost for:• Purchases made using a different Eligible Card than the one associated with your Citi Miles
Ahead Savings account;• Purchases appearing on an Eligible Card after the Eligible Card or Citi Miles Ahead Savings
account closes;• Purchases appearing on an Eligible Card billing statement if the AMB in your Citi Miles
Ahead Savings account was less than 10,000 for the calendar month preceding the Eligible
Card billing statement date. For example, if your Eligible Card billing statement is dated July
10, and the AMB in your Citi Miles Ahead Savings account for the month of June was nine
thousand ($9,000) dollars, you will not earn a Miles Boost for purchases appearing on that
July 10 billing statement.
• AAdvantage® Miles earned through promotional offers on your Citi®/AAdvantage® Credit
Card, including acquisition bonus mile offers or other promotional bonus mile offers madeto existing cardmembers.

20

Changes to
Citi Miles
Ahead
Savings

American Airlines reserves the right to change the AAdvantage® program and its terms andconditions at any time without notice, and to end the AAdvantage® program with six months
notice. Any such changes may affect your ability to use the awards or mileage credits that you
have accumulated.

AmericanAirlines

American Airlines is not responsible for products or services offered by other participatingcompanies. For complete details about the AAdvantage® program visit, aa.com/AAdvantage.
American Airlines, AAdvantage®, the Flight Symbol logo, and AAdvantage Million MilerSM aremarks of American Airlines, Inc.

APYs andInterest
Rates

Annual Percentage Yields and interest rates for Citi Miles Ahead Savings accounts arevariable, determined by Citibank at its sole discretion, and can change at any time before
and after account opening. The APY and interest rates for Citi Miles Ahead Savings accounts
are based on your Balance Range in your Citi Miles Ahead Savings account. Balances in EDI
accounts linked to your Citi Miles Ahead Savings account will not be included in your interest
calculation. Citibank may assign the same APY or interest rate to more than one balance
range. Balance Ranges for Citi Miles Ahead Savings account include:$0 – $9,999.99$10,000 – $49,999.99$50,000 – $199,999.99$200,000 +Please refer to section 5.4.6 Rate Information and Interest Calculation for Savings Accounts
for additional APY and interest rate information.

5.4.4 Court Ordered Money Market (COMMA) accounts
How toApply

Key
FeaturesFees
APYs andInterest
Rates

In limited circumstances, applicants may be eligible to apply to open a Court Ordered Money
Market (COMMA) account. A COMMA account is a Savings account subject to a court order.
COMMA accounts can only be opened in a branch in the state in which the court order isissued. COMMA accounts are opened through the Special Title account application process
which includes providing information about the beneficiary. Please refer to your applicablecourt order for necessary requirements.
COMMA accounts are ineligible for checks unless allowed by the COMMA account’s
applicable court order. COMMA accounts are ineligible for ATM Cards.
There is no monthly service fee for COMMA accounts. COMMA accounts are subject to allother fees associated with Savings accounts.
Annual Percentage Yields and interest rates for COMMA accounts are variable, determinedby Citibank at its sole discretion, and can change at any time without notice. This may affectthe actual amount of interest earned. The APY and interest rate for COMMA accounts will beequal to the highest, non-promotional current APY and interest rate available to Citibank
branch customers for Savings accounts available in the state where the court order is issued,
regardless of account balance and excluding the following: Promotional Rates for New Citi
Savings accounts, APYs and interest rates for customers in a Relationship Tier, and APYs andinterest rates for savings accounts opened through Citi Global Wealth at Work, International
Personal Bank, Citi Alliance, and Citi Private Bank.
Please refer to section 5.4.6 Rate Information and Interest Calculation for Savings accounts
for additional APY and interest rate information.

Relationship
Tiers andCAMB

COMMA accounts are ineligible for Relationship Tiers. COMMA accounts cannot be included
in CAMB.

21

5.4.5 Promotional Rate Feature for New Citi Savings accounts
Availability

New Citi Savings accounts opened by Tax Certified customers in a physical branch (or with an
employee in a physical branch by phone - including video calls) (“New Citi Savings” account)
will receive a “Promotional Rate” during Offer Periods if they fulfill Required Activities. Pleaserefer to your Rate Sheet to learn the Promotional Rates for New Citi Savings accounts, theminimum balance required to receive the Promotional Rates, and whether you opened your
New Citi Savings account during an Offer Period.
• The following Savings and Checking accounts do not qualify for New Citi Savings account
Promotional Rates: Citi Accelerate Savings, Citi Miles Ahead Savings, Citibank Savings
Plus, and COMMA accounts; Savings and Checking accounts that are fiduciary, estate,business, retirement (IRAs, education savings plans, money purchase pension plans andprofit-sharing plans) accounts; and savings and checking accounts opened through Citi
Global Wealth at Work, International Personal Bank, Citi Alliance, and Citi Private Bank.
Savings and Checking accounts owned by living trust accounts qualify, but other Savings
accounts held in trust accounts do not qualify for the Promotional Rate.
• “Tax Certified” customers must complete the following requirements: U.S. persons mustfurnish or have a valid IRS Form W-9 (Request for Taxpayer Identification Number andCertification) on file with Citibank, and foreign individuals must furnish or have a valid
IRS Form W-8BEN (Certificate of Foreign Status of Beneficial Owner for United States Tax
Withholding and Reporting (Individuals) on file with Citibank. Accounts subject to backup
withholding do not qualify for the Promotional Rate.

Required
Activities

First, deposit at least the “Minimum Balance” in New-to-Citibank Funds into your New Citi
Savings account within 10 Business Days of account opening. Please refer to the Rate Sheetprovided. We will check your “On Deposit” balance in New-to-Citibank Funds on the 11th
Business Day after you open your New Citi Savings account to determine if you meet the
Minimum Balance and will continue to earn the Promotional Rate.
• “New-to-Citibank Funds” are funds deposited from accounts external to Citibank, N.A.
and deposited: using Zelle, domestic ACH transfer, Direct Deposit, checks drawn onbanks other than Citibank N.A. or wire transfer. Direct Deposits for the Promotional Rateare electronic deposits through the Automated Clearing House (ACH) Network of payroll,pension, social security, government benefits and other payments to your checking or
savings account. Cash deposits, Citi Global Transfers, Citi debit cards, transfers between
Citibank accounts (other than as described above), international ACH transfers, funds from
CitiBusiness accounts, mobile check deposits, and payments and deposits via person-toperson transfer services such as Apple Pay, PayPal, and Venmo (except Zelle) do not qualify
as New-to-Citibank Funds, or Direct Deposits, for this Promotional Rate.
• You can deposit the Minimum Balance into a Citibank Checking account if: (1) the New-toCitibank Funds are deposited within 10 Business Days of opening your New Citi Savings
account, (2) the Checking account is linked to your New Citi Savings account, and (3)you transfer the New-to-Citibank Funds directly from the linked Checking account into
your New Citi Savings account within 10 Business Days of opening your New Citi Savings
account. Checking account restrictions apply. Please refer to Availability.
Second, maintain your Minimum Balance. For three (3) months after opening your New Citi
Savings account, you will receive the Promotional Interest Rate each day you maintain atleast the Minimum Balance in your New Citi Savings account, but please understand if yourOn Deposit balance drops below the Minimum Balance your Promotional Rate will expire,and your New Citi Savings account will receive the current non-promotional APY and interest
rate for Citi Savings accounts. Please refer to your Rate Sheet for the APYs and interest rates
applicable to your account.

22

Promotional
Interest
Rate
Expiration

Once the Promotional Interest Rate expires, it cannot be reinstated, and your New Citi
Savings account will be subject to the non-promotional APY and interest rate for Citi Savings
accounts in effect at that time. Your Promotional Interest Rate will expire on the earliest of:• Three (3) months after the date your New Citi Savings account is opened,• The date your New Citi Savings account has earned the maximum amount of interest fromthe Promotional Interest Rate, please refer to the Maximum Interest Earned in the Rate
Sheet, or• Any time after 10 Business Days from the time your New Citi Savings account was
opened, when your On Deposit balance drops below the Minimum Balance to receive thePromotional Interest Rate, as described in the Rate Sheet.

APY for the
Promotional
Rate

Annual Percentage Yield, as used for the Promotional Rate, is a percentage rate reflecting thetotal amount of interest paid on an account, based on the combination of the Promotional
Interest Rate with the non-promotional Interest Rate that will apply after the Promotional
Interest Rate expires, compounded daily for a period of one year assuming no fees, additional
deposits or withdrawals, and the non-promotional Interest Rate remains the same for the
rest of the one year period. The APY assumes the Promotional Interest Rate expires three(3) months after the account is opened or when the Maximum Interest Earned is reached,whichever is earlier.
Please refer to section 5.4.6 Rate Information and Interest Calculation for Savings accounts
for additional APY and interest rate information.

5.4.6 Rate Information and Interest Calculation for Savings accounts
This section applies to all Savings accounts. Differences for Savings account types and/or features may occur
in how the APY and interest rate are determined, such as different factors for COMMA accounts and different
balance ranges for Citi Miles Ahead Savings accounts and Promotional Rate offers.
Savings Account APYs and Interest Rates“Annual Percentage Yield” (APY) as used in this document is a percentage rate reflecting the total amount of interest
paid on an account, based on the current interest rate compounded daily for a period of one year assuming no fees,
additional deposits or withdrawals, and the interest rate remains the same for the entire year. “Interest Rate” is theannual interest paid represented as a percentage assuming no change in rate and does not reflect compounding.
“Annual Percentage Yield Earned” (APYE) shown for an account on the Account Statement is an annualized ratethat reflects the total amount of interest paid on the account during the Statement Period. The APYE is calculatedusing the relationship between the interest posted to the account and the sum of the daily balances for those days
where balance is above zero in the Statement Period divided by the number of days in the Statement Period.
Annual Percentage Yields and interest rates for Savings accounts are variable, determined by Citibank at its
sole discretion, can change at any time without notice. This may affect the actual amount of interest earned.
Please refer to your applicable rate sheet. For current Annual Percentage Yields and interest rates, please use Citi
Online or the Citi Mobile App or speak to a banker in a branch or by calling the phone number on the back of your
Citibank Banking Card.
Every Savings account is assigned to a Rate Region at the time of account opening. The Rate Sheet provided at
the time of account opening will identify the account’s Rate Region. Rate Regions may have different Annual
Percentage Yields and interest rates. For a Savings account, the APY and interest rate applicable to a Rate Region
may vary depending on one or more of the following factors:

23

a. Product;b. Relationship Tier;c. Applicable promotion;d. Account balance8.
Please refer to the rate sheet provided to you when your account was opened to learn which factor(s) impact the
APY and interest rate applicable to your Rate Region.
When Interest Begins to Accrue. Non-Cash items, such as checks, deposited to a Savings account begin to earninterest on the date Citibank receives credit for the funds. This date will be no later than the second Business Day
after the Business Day the check deposit is received. A cash deposit begins to earn interest on the Business Day the
cash deposit is received.
Interest Compounding and Crediting. Interest is compounded daily for the actual number of days your money ison deposit and is credited to your account monthly. Interest is computed using a 365-day year except in leap years
when interest may be computed on a 366-day basis.
Interest Calculation Method. We use the daily balance method to calculate interest. This method uses
the daily balance of all deposited funds in your account on which we have received credit to determine theapplicable interest rate each day of the Statement Period. The interest rate may be adjusted at any time during
the Statement Period based on the assigned Relationship. This method may cause a change in the amount ofinterest you earn depending on the daily balance changes in your Savings account. The principal in the accountis reduced based upon the transaction date when a withdrawal or other debit transaction occurs, which is notalways the same as the posting date. The principal balance on which interest is calculated may not be the sameas that appearing on your Account Statement if there have been intervening transactions.
Interest Adjustment. An interest adjustment for a transaction occurring during a Statement Period may be reflectedon your Account Statement in the next Statement Period, rather than in the Statement Period in which it occurs.
Interest on Closed Savings Accounts. If the account is closed before the end of the Statement Period, interest
will be paid for the number of days the account was open during the Statement Period in accordance with thedaily balance method.
Current Interest Rates and Annual Percentage Yields. For current interest rates and Annual Percentage Yields,
please log in to Citi Online or the Citi Mobile App or speak to a banker in a branch or by calling the phone number
on the back of your Citibank Banking Card.

824

 ven if the Rate Sheet applicable to a Savings account does not use Account Balances to impact the APY andE
interest rate applicable to your Rate Region, Citi reserves the right to apply an APY or interest rate based on therange of your account balance. Balances in EDI Accounts linked to your Savings account will not be included
in your account balance calculation, even though they will contribute to your CAMB. Citi may assign the same
APY or interest rate to more than one balance range. Balance ranges for Citi Savings accounts, Citi Accelerate
Savings accounts, and Citibank Savings Plus accounts include:$0 – $9,999.99$10,000 – $24,999.99$25,000 – $49,999.99$50,000 – $99,999.99$100,000 – $499,999.99$500,000 – $999,999.99$1,000,000 +5.5 Certificates of Deposit
Our certificates of deposit (CD) are time accounts. When you open a CD, and each time a CD renews, you agree
to leave your funds in the account for the term which is a specific amount of time. The Maturity Date is the last
day of the term and the day the CD matures. The Maturity Date is the first day you can withdraw funds without
paying an early withdrawal penalty. CDs have a fixed interest rate during the term.
CD Types and CD Terms
Certificates of
DepositMultiple term options available:• Term options with interest paid monthly or at maturity: 3, 4, 5, 6, 7, 8, 9, 10, 11, and 12
Month CDs
• Term options with interest paid monthly: 13, 14, 15, 18, and 30 Month CDs; 2, 3, 4,
and 5 year CDs

No Penalty CD

Available for a 12 month term with the no penalty feature for the first term only, and interest
paid monthly. The No Penalty CD allows withdrawal of your full balance and interest without
penalty after the first six (6) calendar days you make the minimum deposit into your new CD
and your deposit has been fully collected. An early withdrawal penalty applies to withdrawals
made during the first 6 days. Partial withdrawals before maturity, including interest
withdrawals, are not permitted. If you want to withdraw funds before maturity, you mustclose your No Penalty CD. No Penalty CDs automatically renew without the no penalty feature
to a 12 month CD. You cannot renew an existing CD into a No Penalty CD. A No Penalty CD isonly available for new No Penalty CD accounts. If you want to change your existing CD to a No
Penalty CD, you must first close your existing CD and then open a new No Penalty CD.

Step Up CD

Available for a 30 month term with the step up feature for the first term only, and interest
paid monthly. The Step Up CD has 3 fixed interest rates for each period during the term
beginning with Months 1 through 10, Months 11 through 20, and Months 21 through 30.
Step Up CDs automatically renew without the step up feature to a 30 month CD. You cannot
renew an existing CD to a new Step Up CD. A Step Up CD is only available for new Step Up
CD accounts. If you want to change your existing CD to a Step Up CD, you must first close
your existing CD and then open a new Step Up CD.

Minimum Balance. The minimum balance required to open a Certificate of Deposit account is $500. We may
offer promotions, from time to time, which may require a different account opening balance. No additional
deposits are permitted during the term. A CD account will automatically be closed after 20 consecutive calendar
days with a zero balance. Citibank reserves the right to close the CD if the balance falls below any applicableminimum balance requirement. We will notify you that we closed your account if required by law.
Monthly Service Fee. There is no separate monthly service fee for a Certificate of Deposit.
Check Writing. Certificates of Deposit do not offer check writing.
APYs and Interest Rates. Annual Percentage Yield (APY) as used in this document is a percentage rate reflecting
the total amount of interest paid on an account, based on the interest rate compounded daily for a period of one
year assuming no fees, additional deposits or withdrawals, and the interest rate remains the same for the entire
year. “Interest Rate” is the annual interest paid represented as a percentage assuming no change in rate and does
not reflect compounding.

25

Annual Percentage Yields and interest rates for CDs are determined by Citibank at its sole discretion and canchange at any time without notice before a term begins for a new account and renewal. Interest rates are fixed
for the CD term. The APY for a Step Up CD is a Composite APY based on 3 fixed interest rates during the term forMonths 1 through 10, Months 11 through 20, and Months 21 through 30. The APY on your CD assumes interest
will remain on deposit in the CD account until maturity. A withdrawal will reduce earnings. For current interest
rates and Annual Percentage Yields, please log in to Citi Online or the Citi Mobile App or speak to a banker in abranch or by calling the phone number on the back of your Citibank Banking Card.
For a new CD, the APY and interest rate is based on the CD type, CD term, account balance, and applicablepromotion at account opening. For a renewing CD, the APY and interest rate will be the APY and interest rate ineffect on the CD renewal date for the CD term and account balance. When the APY is based on account balance,
the applicable balance range will be used to determine your APY and interest rate; account balance may not bea factor for all CD terms. Citibank may assign the same APY and interest rate to more than one balance range.
Please refer to your applicable Rate Sheet. Balance ranges include:$0 – $9,999.99$10,000 – $24,999.99$25,000 – $49,999.99$50,000 – $99,999.99$100,000 – $499,999.99$500,000 – $999,999.99$1,000,000+
Every CD account is assigned to a Rate Region at account opening, which is identified on the Rate Sheetprovided at account opening. Citibank reserves the right to apply an APY and interest rate based on theaccount’s Rate Region, apply different APYs and interest rates for different Rate Regions, and assign the APY
and interest rate applicable to a Rate Region based on one or more of the following: CD type, CD term, accountbalance, and applicable promotion.
Please refer to your applicable Rate Sheet to learn which factor(s) affect the APY and interest rate applicable toyour Rate Region.
When Interest Begins to Accrue. Interest begins to accrue as of the calendar day you open your CD account.
Balances in EDI accounts linked to your CD account will not be included in your interest calculation, even though
they will be included in your CAMB.
Interest Compounding and Crediting. Interest is compounded daily starting as of the calendar day you open
your CD account, for the actual number of days your money is on deposit. Interest is computed using a 365-day
year except in leap years when interest may be computed on a 366-day basis.
All CDs are available with the monthly interest feature. CD terms of one year or less also are available with theinterest at maturity feature. The No Penalty CD is only available with the monthly interest feature. When you
select the interest at maturity feature, interest is credited on the Maturity Date. When you select the monthly
interest feature, interest is credited to your account after the close of business on the last Business Day of eachmonth, and on the Maturity Date. Interest is paid up to but not including the Maturity Date. If you open yourCD or your CD renews during the last week of any month, interest from the new CD opening date or CD renewal
date to the end of the month may be included with the interest for the first full month after the CD is opened or
renewed. If the end of the month occurs during the Grace Period, interest accrued during the Grace Period will be
included in the next month’s interest for renewed CDs. If the CD account is closed before maturity, the interest
minus any applicable early withdrawal penalty will be reflected in the closeout balance.

26

Interest Calculation Method. We use the daily balance method to calculate interest. This method applies a daily
periodic rate to the balance in the account each day.
Interest Withdrawal. You may withdraw interest before maturity after it has been credited to your CD accountwithout an early withdrawal penalty. You may request to have credited interest deposited to another account you
have with us or sent to you in the form of a check. When your CD automatically renews and after the grace period,
interest will be added to your principal balance and will no longer be available for withdrawal without penalty. No
Penalty CDs do not allow partial withdrawals before maturity, including interest withdrawals.
The APY on your CD assumes interest will remain on deposit in the CD account until maturity. A withdrawal will
reduce earnings.
Automatic Renewal and Grace Period. Your CD will automatically renew at maturity for the same CD term at
the APY and interest rate in effect on the Maturity Date which is the renewal date, unless: (1) you change your CD
term, or (2) the same term is not available and we notify you that your CD term is changing. Account promotions
will not apply to renewing CDs, unless specifically stated otherwise.
If you do not want your CD to automatically renew, you can make changes during the Grace Period. The Grace
Period begins on the day after the Maturity Date and is up to 7-calendar days. If the last day of the Grace Period
is a non- Business Day (a weekend or bank holiday), the Grace Period ends on the last Business Day before thenon-Business Day (the Grace Period End Date). During the Grace Period you can change your CD term, deposit
additional funds, or withdraw funds without paying an early withdrawal penalty. If you change your term, make adeposit, or withdraw funds during the Grace Period: (a) the Grace Period will end that day, your renewed CD will
have a new opening date which is your renewal date, your renewed CD will have a new Maturity Date, and you
will not be able to make any changes without penalty until the new Maturity Date; (b) we will pay interest from
the Maturity Date until the day before your new opening date (but not more than 7-calendar days) at the interest
rate in effect on the Maturity Date; and (c) your renewed CD will be assigned the APY and interest rate in effect on
your new opening date which is your CD renewal date.
Your account number will not change when your CD renews.
Early Withdrawal Penalties. Citibank will impose a substantial penalty if you withdraw any amount from theprincipal before the Maturity Date. It may be necessary to deduct all or a portion of the penalty from the principal
amount of the deposit. Early withdrawal penalties are calculated on the amount of the principal withdrawn. A
90-day simple interest penalty will apply for CD terms of 1 year or less, and a 180-day simple interest penalty
will apply for CD terms greater than one year. There is no early withdrawal penalty if the account owner dies or isdeclared legally incompetent.
The No Penalty CD allows withdrawal of your full balance and interest without penalty after the first six (6)calendar days you make the minimum deposit into your new CD account and your qualifying deposit has been
fully collected. A No Penalty CD withdrawal made during the first 6 days will result in an early withdrawal penalty.
A No Penalty CD does not allow partial withdrawals before maturity, including interest withdrawals.

5.6 IRA Accounts
Citibank offers Traditional and Roth Individual Retirement Accounts (collectively “IRAs” or “IRA accounts”) withsavings account and certificate of deposit account options.Please refer to the Citibank IRA plan documents
for additional IRA account product information.IRAs will receive a separate annual fair market value summary
and may include important legal notices about your account. Speak to a banker, visit Citi Online, or calling
Retirement Plan Services at 1-800-695-5911 for more information. For TTY: We accept 711 or other Relay Service.

27

5.7 Select Products
Citibank offers select products and services to eligible customers. Please refer to ibank@citi in this Agreement
and Appendix 3: Discontinued Products, Services and Features for information about certain products no longer
sold at Citibank.

5.8 Fees
Citibank generally charges fees for its products and services. Citibank charges Monthly Service Fees, Non-Citi
ATM fees, fees disclosed on Appendix 1: Fee Schedule as amended from time to time, and fees disclosed andcharged at the time a transaction is performed or a service is provided.
Please refer to documentation provided at the time a transaction is performed or a service is provided for
applicable fees. Fees listed in this section refer only to fees charged by Citibank and is not a representation ofpotential fees imposed by other banks.
Citibank does not charge fees for every product and service it provides to customers. Examples of services that
we provide at no charge to all deposit customers include:

Services provided at no charge• Bond Coupon Redemption• Citibank® Global Transfer Service
For Citibank® Global Transfers made in foreign
currency, Citibank’s exchange rate includes
a commission for the conversion service. For
more information, please refer to section 8.2.4
Citibank® Global Transfer Service.
• Collection of Notes & Sight drafts on domestic bank
• Consular Verification Letters• Copies• Cancelled checks• Interim Statements• Account Statements so long as the AccountStatement was issued within 7 years of the request

28• Domestic bank collections
Additional fees may apply as a result of fees
charged for collection of the item by otherinstitutions.
• Foreign Currency Exchange — $1,000 and over
• Overdraft and Returned Items• Overdraft Protection Transfer• PIN Mailer — Domestic, Expedited Mail
• PIN Mailer — Domestic, Standard Mail
• PIN Mailer — International Express

6 Opening and Closing Accounts
6.1 Opening a deposit accountAll accounts are opened subject to our ability to verify your identity. To help the government fight the funding ofterrorism and money laundering activities, federal law requires us to obtain, verify, and record information that
identifies each person who opens an account. When you apply for an account, we will ask for information thatwill allow us to identify you. We may also ask for your driver’s license or other identifying documents.
Your ability to perform or request certain account transactions on a new account may be delayed until youraccount is open and active, including wire transfers, deposits, and other services. Your account opening date is
the date your account is open and active based on the following times. Certain times are based on Eastern Timeand others are based on Central Time. Account opening transactions that are completed prior to the cut-off time
on a Business Day are recorded as having occurred on that day. Account opening transactions that complete
after the cut-off time are recorded as having occurred the next Business Day. The exception to the Business Day
rule is Certificates of Deposit opened via Citi Online.
Certain times are based on Eastern Time and others are based on Central Time.
Account Type

Checking Accounts

Savings Accounts

Certificates of Deposit

Cut-off Time
Citibank Branch

Branch Closing Time — Please refer to the end of
Business Day information posted in the branch.

Phone

10:30 PM Eastern Time (9:30 PM Central Time)

Citi Online & Citi Mobile App

10:30 PM Eastern Time (9:30 PM Central Time)

Citibank Branch

Branch Closing Time — Please refer to the end of
Business Day information posted in the branch.

Phone

10:30 PM Eastern Time (9:30 PM Central Time)

Citi Online & Citi Mobile App

10:30 PM Eastern Time (9:30 PM Central Time)

Citibank Branch

Branch Closing Time - Please refer to the end of
Business Day information posted in the branch.

Phone

10:30 PM Eastern Time (9:30 PM Central Time)

Citi Online

11:59 PM Central Time

Governing Law
Accounts, products and services are governed by federal laws and regulations and to the extent not preemptedby federal law or otherwise inapplicable, by the laws and regulations of the “Governing State” applicable to youraccount. State conflict of law provisions will not apply.
Opening an account in a physical branch location:
If you open your account in a physical branch location or with an employee in a physical branch by phone (including
video calls), the Governing State applicable to your account will be the state where the branch is located.

29

Opening an account through other methods:
If you open your account on Citi Online (including Citi Mobile App) or by telephone other than with an
employee in a physical branch by phone (including video calls), we will use the residential address (not yourmailing address) you provide when opening your account to assign your Governing State.
a. If you provide a residential address in California, Connecticut, Florida, Illinois, Maryland, Nevada, New
Jersey, New York, Texas, Virginia or the District of Columbia when opening your account, your Governing
State will be that state.
b. .If you use a residential address in any other state, territory or possession, your Governing State will be South
Dakota.
When existing customers open a new account, please confirm your residential address is current.
If you notify us of a change of residential or mailing address after your account is opened, that change will notaffect the Governing State applicable to your account. You may have accounts with different Governing States.
Please note plan documents determine the Governing State applicable to retirement accounts.
Other Laws. This Agreement provides information about financial services provided by Citibank in the UnitedStates and its territories. It is not, and should not be construed as, an offer, invitation or solicitation of services
to individuals outside of the United States. Your eligibility for a particular product and service is subject to a final
determination by Citibank.
If your country of residence is other than the United States or the Commonwealth of Puerto Rico, you
acknowledge that you are responsible for, and agree that you will comply with, all laws, regulations, and rules
applicable to your accounts, products and services with us, including any tax, foreign exchange, or capital
controls, and for all payments, reporting or filing requirements that may apply as a result of your country of
citizenship, domicile, or residence.
Important Note to Australian Resident Clients. Citibank N.A.: (i) is exempt from the requirement to hold anAustralian financial services license under the Australian Corporations Act 2001 in respect of its provision offinancial services to you; and (ii) is regulated by the Federal Reserve, the Consumer Financial Protection Bureau
and the Office of the Comptroller of the Currency of the U.S. under U.S. laws, which differ from Australian laws.
Rate Region
Every deposit account is assigned to a “Rate Region.” The Rate Region is used to determine the APY and interest
rate applicable to interest-bearing accounts.
Opening account in a physical branch location:
a. If you open your account in a physical branch or with an employee in a physical branch by phone (including
video calls), the Rate Region applicable to your account will be the state where the branch is located.
Opening an account through other channels:a. If you open your account online (including Citi Mobile) or by telephone other than with an employee ina physical branch by phone (including video calls), we will use the residential address (not your mailingaddress) you provide when opening your account to assign your Rate Region.
b. If you use a residential address in California, Connecticut, Florida, Illinois, Maryland, Nevada, New Jersey,
New York, Texas, Virginia or the District of Columbia when opening your account, your Rate Region will be inthat state or a portion of that state.
c. If you provide a residential address in any other state, territory or possession, your account will be assigned
to the National Rate Region. Customers in the National Rate Region will be assigned a national rate. Within
the National Rate Region, there could be regional differences which will be provided at account opening.
If you notify us of a change of residential or mailing address after your account is opened, that change will notaffect the Rate Region applicable to your account. You may have accounts with different Rate Regions.

30Consumer Reporting Agency Information. You authorize us to obtain a consumer report in connection withthe application, update or renewal of any deposit or loan account you apply for and you understand that we
may also obtain such reports at any time once you become a customer.
We may report information, including negative account activity, about you and any joint account owners or
authorized signers on the account (including any account closed by Citibank) to a Consumer Reporting Agency.
As a result, this may prevent you from obtaining services at other financial institutions, including opening an
account. If you believe that we have inaccurately reported information to a Consumer Reporting Agency, youhave the right to file a dispute with that Consumer Reporting Agency. You may also file a dispute by calling thephone number on the back of your Citibank Banking Card or write to us at Citibank — Consumer Report Inquiry,
P.O. Box 769004, San Antonio, TX 78245-9989. We will review our files and respond to you in writing.
Important Tax Information.9 When you apply to open an account, Citibank is required to obtain U.S. tax
certification from each account owner. If U.S. tax certification is not provided, the account will be subject tobackup withholding. An account must not be subject to backup withholding to be eligible to participate in mostaccount promotions; please refer to the separate promotion terms and conditions, if applicable.
U.S. persons are required to furnish or have a valid Form W-9 (Request for Taxpayer Identification Number andCertification) on file with Citibank. Foreign individuals are required to furnish or have a valid Form W-8BEN(Certificate of Foreign Status of Beneficial Owner for United States Tax Withholding and Reporting (Individuals) on
file with Citibank, and foreign entities are required to furnish or have a valid Form W-8BEN-E (Certificate of Status ofBeneficial Owner for United States Tax Withholding and Reporting (Entities) on file with Citibank.
Citibank will apply backup withholding to income payments (e.g., interest) if you: (a) fail to provide a correct
Taxpayer Identification Number (TIN), or (b) the U.S. Internal Revenue Service (IRS) notifies us that you furnished anincorrect TIN, or (c) you or we are notified by the IRS that you are subject to backup withholding. Additionally, theIRS may charge you a $50 penalty for failing to provide Citibank with your correct Name/TIN combination. In somecases, a state and local tax authority may also require that we apply state and local backup withholding on income
paid to your account when we are required to apply Federal backup withholding.
Interest received by U.S Persons will be reported on IRS Form 1099-INT for the year received, as required byapplicable law. Interest paid to non-U.S. Persons will be reported on IRS Form 1042-S for the year received. If
1099 reporting is required, Citibank will issue a 1099 to the first titled owner on the account. For jointly owned
accounts that include both a U.S. owner and a foreign owner, we will issue the 1099 to the U.S. owner.
Please refer to the separate IRA account and other tax-qualified retirement account disclosures for additional
requirements that may apply.
Foreign Account Tax Compliance Act
In order for Citibank to be compliant with the provisions of The Foreign Account Tax Compliance Act (commonly
known as “FATCA”), a U.S. federal tax law, Citibank may contact you to request additional information and/or
documentation. Please understand that Citibank does not and will not in any way support any attempt by you toevade U.S. taxes or any request by you for help in avoiding detection under FATCA. Furthermore, since Citibank is
not in the business of providing tax advice, you should not rely upon Citibank to determine the impact of FATCA
on your own business activities or what your own compliance obligations are under FATCA. We encourage you
to seek the advice of experienced tax advisors to determine what actions you need to take to become FATCA
compliant. Your failure to comply with FATCA may result in restricted access or withholding of taxes from interest
payments due to you.

9I RS Circular 230 Disclosure: Citibank, N.A. its affiliates, and its employees are not in the business of providing
tax or legal advice to any taxpayer outside of Citibank, N.A. and its affiliates. This information is not intended
or written to be used, and cannot be used or relied upon, by any such taxpayer for the purpose of avoiding tax
penalties. Any such taxpayer should seek advice based on the taxpayer’s particular circumstances from an
independent tax advisor.
31

Account Ownership
Citibank Consumer Deposit Account ownership types include Individual, Joint, Informal Trusts, Uniform Gifts/
Transfers to Minor Act, and Special Title Accounts. A Citibank Consumer Deposit Account cannot be owned by abusiness, including a business owned by one or more individuals.

Individual
Account
Joint
Account

An account owned by only one natural person.

An account owned by more than one natural person in joint tenancy. If one owner dies,ownership of the account will automatically pass to the surviving joint owner(s). Unless you
designate otherwise on your signature card, application, or other bank documentation, we
will assume that personal accounts opened by two or more individuals are intended to be joint
tenancy accounts with the right of survivorship. We can act on the instruction of any one ormore of the Joint Account owners. In the event of conflicting instructions or a dispute among
Joint Account owners, we may require all joint account owners to act together in giving us
instructions or performing transactions. Any Joint Account owner may close a Joint Account.
Each Joint Account owner is jointly and severally responsible for all activity related to the Joint
Account, including responsibility for paying overdrafts created by any authorized signer(s)or party to the account, regardless of whether the Joint Account owner participated in thetransaction or benefited from its proceeds. We may be required by legal process to pay all thefunds in a Joint Account to satisfy a judgment against any or all Joint Account owners.
Each Joint Account must have at least one adult owner. Minors ages 13 to 17 may qualify
to open a Joint Account. Please refer to the Governing Law of your account for information
about legal rights and obligations of minors.

32

Informal
Trust
Account

Sometimes referred to as a “Totten Trust”, “Pay on Death (POD)” or “In Trust For (ITF)”
account, is an Individual or Joint account where the owner(s) designate one or more persons
or entities (beneficiaries) to receive the funds in the account upon the death of the last
surviving account owner. If more than one beneficiary is named in our records, they will shareequally in the account proceeds. To change the beneficiary, all account owners must sign our
documentation naming the new beneficiary. For FDIC insurance coverage, an Informal Trust
Beneficiary must be a natural person or a charitable organization. Informal Trusts are notpermitted for checking accounts.

Uniform
Transfers/
Gifts toMinor

(UTMA/UGMA Account) means an account where, pursuant to state law, an adult makes
an irrevocable gift of the funds to a minor individual. The adult, as custodian, controls
and manages the account for the benefit of the minor until adulthood. The definition ofa minor varies by state; however, generally, one custodian and one minor are allowed per
account, unless the account is established under Maryland’s UTMA rules. We act upon thecustodian’s instructions. Citibank may, in its sole discretion, opt to close the UTMA account
if it determines or has reason to believe that the minor has attained the age at which the
UTMA terminates under applicable state law. Although Citibank may terminate the UTMAin this circumstance, Citibank is not responsible to monitor age or eligibility for an UTMA
account, even though our records may include the minor’s date of birth. It is the custodian’s
responsibility to properly distribute the funds in the account upon the minor’s death or
attainment of age at which the UTMA terminates under applicable state law. You may wish to
consult your tax advisor or attorney before opening a UTMA/UGMA Account.

Special
Title
Accounts

Special Title Accounts are various forms of account ownership where one or more persons
who are the account signers (fiduciaries) control and manage the account for the benefit ofanother person (beneficial owners). Citibank requires additional information and documents
to maintain Special Title Accounts. Types of Special Title Accounts include, but are notlimited to, accounts owned by, Estates, Formal Trusts, Guardianships, Conservatorships,
Custodianships, Representative Payees, persons acting under a power of attorney or otheragency, and Court Ordered Money Market (COMMA) accounts. For Special Title Accounts we
act upon the fiduciary’s instructions.
• “Estate Account” means an account held by a person appointed by a court (Executor,
Administrator, or Personal Representative) to manage the property of a deceased person.
The estate will need its own Taxpayer Identification Number (TIN) issued by the Internal
Revenue Service (IRS).
• “Formal Trust Account” means an account owned by a revocable or irrevocable formal trust
created with a document prepared by a legal professional. In some cases, the trust must haveits own Taxpayer Identification Number (TIN) issued by the Internal Revenue Service (IRS).
• Other Special Title Accounts include where one person (fiduciary) manages funds
for another person (beneficial owner), such as: Guardianships, Conservatorships,
Custodianships, Representative Payees, persons acting under a power of attorney or otheragency, and COMMA accounts (Please refer to section 5.4.4 Court Ordered Money Market(COMMA) accounts).

Certain Deposit Accounts with Transactional Features
If you have opened a deposit account on behalf of the beneficial owner(s) of the funds in the account (forexample, as an agent, nominee, guardian, executor, custodian or funds held in some other capacity for the
benefit of others), those beneficial owners may be eligible for FDIC “pass-through” insurance. This means theaccount may qualify for more than the standard deposit insurance amount. If the account has transactionalfeatures, you must be able to provide a record of the interests of the beneficial owner(s) in accordance with FDIC
requirements in the format presented below. Additional information that describes the process to follow and theinformation you will need to provide to the FDIC in the event Citibank fails can be found on the FDIC’s website
in a document entitled “Deposit Broker’s Processing Guide” in section “VIII. Part 370 Alternative Recordkeeping
Entity Processing: Addendum to the Deposit Broker’s Processing Guide.”
In the event that Citibank fails, you agree to cooperate fully with us and the FDIC in connection withdetermining the insured status of funds in such accounts. This includes providing the FDIC with the information
described above in the required format within 24 hours of bank failure. You understand and agree that yourfailure to provide the necessary data to the FDIC may result in a delay in your receipt of FDIC insured funds.
Notwithstanding other provisions in this Agreement, this section survives after a receiver is appointed for us, andthe FDIC is considered a third party beneficiary of this section.
FDIC Format for Account Beneficiary Information (To be completed for each account beneficiary)Field Number

Field Name

Description

1

Blank

Blank

2

Account Number

Account Number at Citibank

3

Blank

Blank

4

Blank

Blank

5

Tax ID

Customer’s SSN (no hyphens) or Tax ID Number
33

34

Field Number

Field Name

Description

6

Tax ID Code

Code indicated corporate (TIN) or personal tax identification
number (SSN)

7

Name 1

Full name of owner line 1 as it appears on the account8

Name 2

Full name of owner line 2 as it appears on the account9

Address 1

Address line 1 as it appears on the customer’s statement10Address 2

Address line 2 as it appears on the customer’s statement

11

Address 3

Address line 3 as it appears on the customer’s statement

12

City

Address city as it appears on the customer’s statement

13

State

State postal abbreviation as it appears on the customer’s
statement

14

Zip

Address zip as it appears on the customer’s statement (no hyphens)

15

CountryCountry code as it appears on the customer’s statement

16

Province

Province as it appears on the customer’s statement

17

Blank

Blank

18

Principal

Principal balance of the customer’s account as of the institution
failure date

19

Blank

Blank

20

Deposit AccountOwnership Category

Single, Joint, or business account21

Transaction Flag

This field indicates whether the account has transactionalfeatures. Enter “Y” if account has transactional features, enter “N”
otherwise. Transactional features means that the account holder
can make transfers or withdrawals from the deposit account tomake payments or transfers to third persons or others (including
another account of the depositor or account holder at the same
institution or at a different institution) by means of a negotiable ortransferable instrument, payment order of withdrawal, check, draft,
prepaid account access device, debit card, or other similar ordermade by the depositor and payable to third parties, or by meansof a telephonic (including data transmission) agreement, order or
instruction, or by means of an instruction made at an automatedteller machine or similar terminal or unit.

22

Blank

Blank

23

Blank

Blank

24

Account beneficiary
Full Name

Account beneficiary’s first, middle, and last name or the registeredname of the entity.

25

Account Participant
Type

BEN is the type you should use

Field Number

Field Name

Description

26

Blank

Blank

27

Blank

Blank

28

Beneficiary’s
Government Issued
ID

This field shall contain the ID number that identifies the accountparticipant based on a government issued ID or corporate filing. Fora United States individual – Legal identification number (e.g. SSN,
TIN). For a foreign national individual - where a SSN or TIN does notexist, a foreign passport or other legal identification number (e.g.
Alien Card). For a non-individual – the Tax Identification Number(TIN), or other register entity number. The SNN or TIN should be
used for uniquely identifying the account participant, and is notintended to be used for aggregation purposes.

29

Beneficiary’s
Government Issued
ID Type

The valid account participant identification types, are: SSN = Social
Security Number, TIN = Tax Identification Number, OTH = Other.

Conflicting Demands/Disputes. If there is any uncertainty or conflicting demand regarding the ownership ofan account or its funds; or we are unable to determine any person’s authority to give us instructions; or we arerequested by law enforcement or a state or local agency to freeze the account or reject a transaction due to thesuspected financial abuse of an elder or dependent adult; or we believe a transaction may be fraudulent or may
violate any law, we may, in our sole discretion: (1) freeze the account and refuse transactions until we receive
written proof (in form and substance satisfactory to us) of each person’s right and authority over the account andits funds; (2) refuse transactions and return checks, marked “Refer to Maker” (or similar language); (3) require
the signatures of all authorized signers for the withdrawal of funds, the closing of an account, or any change in
the account regardless of the number of authorized signers on the account; (4) request instructions from a courtof competent jurisdiction at your expense regarding the account or transaction; and/or (5) continue to honor
checks and other instructions given to us by persons who appear as authorized signers according to our records.
The existence of the rights set forth above shall not impose an obligation on us to assert such rights or to deny atransaction.
Transferring Account Ownership
OWNERSHIP OF CHECKING, SAVINGS, AND CERTIFICATE OF DEPOSIT ACCOUNTS IS TRANSFERABLE ONLY
WITH OUR WRITTEN PERMISSION AFTER YOU COMPLETE OUR APPROPRIATE FORMS AND, IN MOST CASES,WOULD REQUIRE THE ACCOUNT TO BE CLOSED AND RE-OPENED.
Assignments
Most accounts can be assigned as collateral for a loan from us or another lender. Unless we agree in writing, anysuch assignment to another lender will remain subject and subordinate to our right of setoff. For the assignment
to be effective, we must receive written notice of the assignment and agree to it in writing. We will then reflect
the change on our records.
Restricted Access
There are occasions when we restrict access to deposits, such as when your account application is being
processed, when funds are assigned as collateral or when we are required by law to restrict access. If funds
assigned as collateral are in interest-bearing accounts, they will continue to earn interest as usual. They may not,however, be used in connection with our Safety Check service.

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6.2 Closing a Deposit Account
You may close your account at any time except as stated otherwise in this Agreement. We may allow one owner/
signer to close an account without the consent or signature(s) of any other owner(s)/ signer(s). Except in limited
circumstances, if you close a Certificate of Deposit account before maturity, you will be subject to an early
withdrawal penalty.
We may close your account at any time with or without cause. We will notify you that we closed your accountwhen required by law. If we close your account, we will remit the balance in your account, minus any amounts
owed to us. If your account balance is insufficient to pay amounts owed to us, you will continue to be liable to us
for the unpaid amount and interest. Your obligations for transaction activity conducted prior to account closure
will survive the termination of the account and this Agreement.
Dormant Accounts
Based on the applicable dormancy periods provided by state abandoned property statutes, we may be required
to send to the appropriate state the balances in your deposit account when there has been no customer-initiatedactivity. Some examples of customer-initiated activity include, but are not limited to:• Depositing or withdrawing funds;• Sending a one-time payment; or• Writing to us concerning the account.
For a certificate of deposit account, automatic renewals are not considered customer-initiated activity.
Applicable state dormancy periods can begin after the initial maturity date.
In complying with these requirements, the laws of the state of your last known address (as recorded on our bankrecords) govern the inactivity period and specific requirements applicable to your account. If your address, as
recorded on our bank records, is outside of the United States, South Dakota law will govern. We may also restrict
your account if we determine it has been otherwise inactive due to no customer-initiated activity.
Forfeited Accounts. If your account is seized by or forfeited to the United States government or a state
government, you no longer have title to the account, and the funds in the seized or forfeited account will nolonger earn interest during such period of seizure or forfeiture, even if the funds are eventually returned to you.
Death or Legal Determination of Incompetence. You agree to notify us immediately of the death or courtordered legal determination of incompetence of any owner or authorized signer on your account. We may
disregard any notice of incompetence unless the person in question has been declared incompetent by a courtof appropriate jurisdiction and we receive written notice and instructions from the court or court appointed
fiduciary regarding the account. We also may freeze, offset, refuse and/or reverse deposits and transactions (e.g.,
governmental or retirement benefits payments payable to the deceased) if an owner dies or is legally determined
incompetent.
In case of death or legally determined incompetence of an account owner, we will continue to honor checks
written on that account as well as other withdrawal instructions until we are notified of the death or the legally
determined incompetence. We may continue to honor checks for up to ten (10) days following the death of theaccount owner unless a validly appointed representative of the decedent or another account owner provides us
with stop payment instructions.
Upon notification of death or legal determination of incompetence, we will block individual accounts; joint
accounts may remain unblocked for up to thirty (30) days after we have been notified of an account owner’s
death. Certain documents must be presented to us before funds in such an account can be paid out and theaccount closed. For more information about which documents are required, please visit a branch or call thephone number on the back of your Citibank Banking Card.

36

6.3 Other Account Information
Information Sharing. You agree to let us share information about you and your Account(s) as allowed by law. This
includes information we get from you and others. Our privacy notice, which is enclosed with your new Accountmaterials, describes reasons Citibank can share its customers’ personal information.
Contacting You. You agree that we (and/or our servicing providers or anyone we authorize) may contact
you at any phone number, email address, or mailing address you provide, or we obtain in other ways. This
includes communications to mobile, cellular/wireless or similar devices. We may contact you by live operator,
auto dialer, recorded or artificial voice, text or email. You agree to pay any charges from your plan provider forcommunications we send to you, as well as communications you send to us.
Your Consent for Us to Use Your Mobile Phone Number to Identify You. You authorize your wireless carrier touse or disclose information about your account and your wireless device, if available, to Citibank or its service
provider for the duration of your business relationship, solely to help them identify you or your wireless device
and to prevent fraud.
Separately, Citibank may obtain information about your mobile phone activity from third parties and may use
this information for its other everyday business purposes. For more information, please refer to our U.S. Privacy
Notice for Consumers.
Call Monitoring. We may monitor and record any calls between you and us.
Exemplar Signature. Citibank may use automated processes to capture a digital image of your signature on
checks written on your account to retain as your on-file signature. This on-file signature will be kept in Citibank’srecords and may be used to determine the authenticity of your signature and whether subsequent checks or
instructions on other items and documents are authorized by you.

37

7 Account Transactions
The following terms describe how you can perform transactions with your Checking and Savings accounts and incertain limited circumstances, CDs. It is your responsibility to confirm the accuracy of the amounts you deposit
and withdraw from your Accounts.

7.1 Deposits
7.1.1

You can make deposits:• To qualifying accounts linked to your Citibank Banking Card at any Proprietary Citibank ATM at participating
locations in the U.S., 24 hours a day, 7 days a week. Simply follow the directions on the ATM screen to insert
your check or cash deposit in the appropriate slot. Some instruments such as some money orders or foreign
checks cannot be accepted by the ATM terminal and must be deposited with a branch representative. When
your transaction is completed, you will receive a transaction record via email or print (which ever option you
select), that will provide an image of the check(s) or a breakdown of the cash accepted.
• With a teller, during regular banking hours, at any Citibank branch in the United States;• By using our Deposit/Payment Express boxes which are located at select Citibank branch locations;• By mail;• By Mobile Check Deposit;• By Direct Deposit;• By Citibank® Global Transfer Service (where available);• By an ACH or wire transfer; or• By Inter Institution Transfer Service. For more information about these transfer services, please refer to section
8 Electronic Fund Transfers of this Agreement.

7.1.2 Timing of Deposits; Availability of Funds; Acceptance of Deposits
Deposits made in Citibank branches are posted to your Accounts on the same day. Deposits made at Proprietary
Citibank ATMs or by Mobile Check Deposit after 10:30 Eastern Time (9:30 Central Time) are posted to youraccount on the following Business Day. Deposited funds may not be available for immediate withdrawal. For
more information please refer to Appendix 2: Funds Availability at Citibank.
We may accept items payable to you, or to any of you, from any source without questioning the authority ofthe person making the deposit. We also may give cash back to any authorized account signer(s) or agent(s) inconnection with items payable to any owner, whether or not the items have been endorsed by the owner. If you
make a deposit or payment that is not accompanied by instructions indicating how or where it is to be credited,
we may apply it at our discretion, to any loan or deposit account any of you maintain with us.

7.1.3 Remotely Created Checks“Remotely Created Check(s)” means an item not bearing the drawer’s (your) actual signature, but purporting
to be authorized by the drawer (you). You may not deposit remotely created checks to an account with us
without our prior, express written consent. If you deposit remotely created checks with us, you agree that we
may withhold a portion of the proceeds of such remotely created checks in a reserve account, in an amount that
we reasonably believe may be needed to cover future charge backs, returned items, and/or claims that such
remotely created checks were unauthorized. You grant us a security interest in the reserve account. Unless weagree otherwise in writing with you, reserve funds shall not bear interest. Our right to charge your account for
returned remotely created checks will not be limited by the balance or existence of any reserve fund. Our rights
with respect to the reserve fund, as well as the security interest granted to us, shall survive the termination of thisAgreement. We may discontinue accepting remotely created checks at any time without cause or prior notice.

38

If you provide your account number to a third party with instructions to charge your account by means of one
or more remotely created checks, you authorize us to pay such remotely created checks, even though they do
not contain your signature and may exceed the amounts you authorized to be charged. This provision shall not
obligate us to honor remotely created checks. We may refuse to honor remotely created checks without cause orprior notice, even if we have honored similar items previously.

7.1.4 Endorsements
To ensure that your check is processed without delay, you must endorse your check correctly by signing the backof the check. The area reserved for your signature is on the back of the check, within 1½ inches from the “top”
edge (as shown in the picture below). Do not make any additional marks or notations on the back of the check.
You will be liable for unpaid checks returned late because your endorsement, a prior endorsement, or information
you have printed on the back of the check obscures other endorsements.
We may endorse and/or collect items deposited to your account without your endorsement, but may require yourpersonal endorsement prior to accepting an item for deposit.

7.1.5

Collection

7.1.5.1 Items Sent for Collection
We and other institutions may refuse to accept a check or other item for deposit or may accept it on a collection
basis only. This often occurs with foreign, questionable or damaged items. If we accept an item for collection,
we will send it to the institution upon which it is drawn, but will not credit your account for the amount until
we receive the funds from the other institution. If we elect to credit your account before then, we may charge
the amount back against your account if we do not receive payment for any reason. We may impose a fee inconnection with sending and receiving items for collection (e.g., by charging your account or deducting the fee
from the amount remitted). Other institutions that send or receive items for collection involving your accountalso may impose a fee for their services.
7.1.5.2 Verification and Collection
Any item that we cash or accept for deposit is subject to later verification and final payment. We may deduct
funds from your account if an item is lost, stolen or destroyed in the collection process, if it is returned to us
unpaid, or if it was improperly paid, even if you have already used the funds. Cash deposits are also subject tolater verification.

7.1.6 ACH Credits
7.1.6.1 ACH Provisional Credits
Credit for an ACH transfer is provisional until final payment is received by the payee’s financial institution. Until
that happens, the party originating the transfer is not deemed to have made payment to the beneficiary, and thepayee’s bank is entitled to a refund of the provisional credit. If we give you provisional credit for an ACH transfer,but do not receive final payment, you become obligated to us for the full amount without prior notice or demand.

39

7.1.6.2 Notice of Incoming ACH Transfer (Credit)
Notice of your incoming funds transfers and incoming wire transfers will be deemed to have occurred when you
receive your Account Statement, or another notice from us, containing a credit to your account for the funds
received. You may also contact a branch during normal business hours to determine if a transfer has beencredited to your account. This information is available to you anytime on the number on the back of your card, oron the Citi Mobile App or Citi Online.

7.1.7

Reconstructing Lost, Missing, or Destroyed Deposits

When you cash or deposit a check or other item with us, we act as your agent to collect the item. You assume therisk of loss for deposited items that are lost, missing, or destroyed during the processing and collection of theitem(s). We may reverse any credit given and any interest earned or accrued for such a deposited item, and wemay recover the amount of any funds disbursed for any such cashed item from any account you maintain with us.
You agree to cooperate fully with us to reconstruct such a deposited item by promptly:• Providing us with a copy of the front and back of the deposited item from your or the issuer’s records;• Asking the issuer of the item to place a stop payment on it (at our expense) and to issue a replacement item toyou (if the deposited item has not been paid); and• Reviewing your records and other information to obtain the issuer’s identity and any other information about
the deposited item. If you fail to cooperate with us to reconstruct the deposit, we may adjust any credit madeto your account for the deposited item.

7.1.8 General Information
7.1.8.1 Our Right to Refuse Deposits
We may, at our discretion, refuse to accept funds for deposit to your account for any reason. We will, to the extent
practical, try to facilitate your transaction by the best means available, including sending the item for collection
or forwarding the item to the appropriate processing area. Your account will not be credited until collection orprocessing is completed.
7.1.8.2 Account Balance and Transaction Information
You may view information about your Accounts on Citi Online, Citi Mobile, at an ATM or by IVR, but the
information provided through any of these means may not include recent transactions and may also include
funds that are not available for immediate withdrawal. Your “Available Now” balance is the total amount you
can use for withdrawals and transfer right now. The Available Now amount may be less than the On Deposit
balance as it doesn’t include the transactions that are still pending and haven’t been posted to your Account.
For example, recent incoming funds transfers from external banks may not be included in your Available Nowbalance. Your “On Deposit” balance reflects all transactions recorded in your Account as of the current day.
The On Deposit balance may be greater than the Available Now balance because it’s a record of your activity,
including transactions that haven’t settled and that aren’t yet available for you to use.
We may make deposited funds available to you and include within your Available Now balance before the deposit
has settled with the paying bank. If the deposited item is returned unpaid, we will debit your Account for theamount of the deposit. You may not rely upon oral statements by Citibank employees about your On Deposit
balance, Available Now balance, or the status of any deposited item.

7.2 Withdrawals
7.2.1 How to Make a Withdrawal
Citibank Branches. You can withdraw up to your available balance by cashing a check or making a withdrawal ata Citibank branch. We may require you to present identification.

40

Proprietary Citibank ATMs and Network ATMs. You can use your Citibank Banking Card to withdraw cash fromyour eligible linked accounts at a Proprietary Citibank ATM and from primary linked accounts at a Network ATM.
Depending on the terms of your account, there may be a Citibank transaction fee for cash withdrawals from a
Network ATM other than those which you can use without incurring a surcharge as described in the following
paragraph. In addition, the company that owns or operates the machine may charge you a fee for the withdrawal.
For more information on ATM withdrawals, please refer to section 8 Electronic Fund Transfers of this Agreement.
You can withdraw cash, get information and make transfers between your eligible linked Citibank accounts withno surcharge fee when you use your Citibank Banking Card at ATMs in the U.S. located at Citibank branches,
ATMs at select retail store locations, and ATMs participating in the MoneyPass® Network. ATMs in retail stores
and at other non-Citi locations are not owned or operated by Citibank. Use the Citi Worldwide ATM/Branch
Locator on Citi Online or the Citi Mobile App to find the nearest ATMs and branches, including non-Citibank
ATMs in the U.S. with surcharge free access.
Cash Withdrawals. Cash withdrawals or payments at any Citibank branch may be restricted due to the limited
amount of currency on hand. If we do not have sufficient cash for a large withdrawal or payment, we may
make arrangements for a later cash payment or offer to make payment with an Official Check. We assume no
responsibility to provide personal protection for customers who elect to carry large sums of money off our premises.
Electronic Fund Transfer. You can utilize a variety of electronic fund transfer services to withdraw funds fromyour accounts. Please refer to section 8 Electronic Fund Transfers of this Agreement for details.
Writing a Check. You can write a check for any amount up to the Available Now balance (including any Checking
Plus® or Safety Check availability) in your checking account or Savings account, provided your account offersa check-writing feature, by using one of the personalized checks you receive from us or one of the compliant
checks that you have ordered elsewhere. Checks must be written in U.S. dollars.

7.2.2 Paying your Checks
Electronic Presentment of Checks. We may charge your account on the day that a check or other transaction
is presented (or returned) to us directly or electronically for payment. We may charge your account or place ahold on funds at an earlier time if we receive notice that a check or other item deposited to your account is being
returned, or if we receive notice that your check or electronic payment (e.g., at a point-of-sale) is being processed
for collection.
Please note: Some merchants may obtain authorizations in advance for point-of-sale transactions in an amountgreater than the final transaction amount. You agree that we may place a hold on sufficient funds to cover theamount of the authorized transaction, pending its final settlement through the system even if that amountexceeds the actual amount of the transaction. This could affect the balance available to cover other transactions.
Check Processing Cut-off Hour. In order to handle the large volume of checks processed each day, we may treat
any check you have written that is presented for payment after 2:00 PM on a Business Day as if it were received
on the next Business Day. Our cut-off hour with respect to any notice, knowledge, stop payment or post-dated
check order, or legal process received by us involving a check we have received for payment is one hour after
the opening of the Business Day following the Business Day on which we received the check. Our cut-off hourfor check processing purposes with respect to our right of setoff is midnight of the Business Day following theBusiness Day on which we received the check, or such later time by which we must return the check.
Notations on Checks. We may ignore any legal copy appearing on your checks (such as “Void after 60 days”). Ourdecision to pay or not to pay a check is based on funds available in your account and other factors. It may not beaffected by any subsequent deposits to your account.
Please note: As checks you have written are presented to us for payment during the course of a Business Day, we
may place a hold on available funds in your account for the amount of those checks resulting in a reduction in youravailable account balance throughout that day. The held funds may be applied against processing of those checks
or other transactions later that day.
41

We process most checks by automated means based on information encoded on the checks. As such, we may
not physically examine all checks to determine if they are properly signed or completed. You agree that we may
rely on such a process and that it will be deemed an acceptable standard of care on our part.
Post-Dated Checks. You agree not to write post-dated checks. If you do, we may or may not pay the check on
the day it is presented.
The following applies to you if the governing state law of your account is in a state other than New York: If you
write a post-dated check on your account and intend that the check will not be paid by us until the date written
on the check, you must notify us to register it at the time you write the check. In order for your registration
notice to be effective, you must call the phone number on the back of your Citibank Banking Card and provide
the number, payee, amount and date of the check. You may also send written notice of your post-dated checkrequest to us at the address printed on your periodic statement. An oral or written request to register a postdated check is good for six (6) months and may be renewed for additional six (6) month periods by giving written
notice to us within the period during which the original notice is in effect. A post-dated check will be registeredonly if the notice is received at such a time and in such a manner as to afford us a reasonable opportunity to
act on it before we take action with respect to the check. We may pay any post-dated check that has not been
properly registered with us or not registered in a timely manner. If we re-credit your account after paying a
postdated check over a valid and timely postdated check notice, you agree to transfer to us all of your related
rights against the payee or other holder of the check, and to assist us in legal action taken against that person.
Stale-Dated Checks. You agree that we may pay or reject a check which is presented to us for payment morethan six months after its date (a “stale-dated” check), even if the presentment occurs after the expiration of astop payment order. We normally do not examine the date on checks presented for payment. You agree that weare not required to identify stale dated checks or to seek your permission to pay them. To make sure that a check
will not be paid, you should place a stop payment order on the check.

7.2.3 Posting Order
Posting Order. We may accept, pay, certify, or charge to the appropriate account, Transaction Items in the order
we choose. Even if we provisionally post Transaction Items to your account during the day, we may treat them as
if we received all of them at the end of the day.
For purposes of the “Posting Order,” “Overdrawing Your Account,” “Insufficient Funds to pay a Transaction
Item,” and “Overdraft Protection” sections of the Agreement, a “Transaction Item” includes in-person transfers
or withdrawals, drafts, ACH transactions and transfers by other electronic means, account fees and charges,
service charges, product, service or bank fees, checks, substitute checks, service charges, purported substitutechecks, electronic items or transactions, drafts, remotely created checks, image replacement documents,
indemnified copies, preauthorized payments, automatic transfers, telephone initiated transfers, online banking
transfers or bill payment instructions, withdrawal slips, adjustments, and any other instruments or instructions
for the payment, transfer or withdrawal of funds including an image or photocopy of any of these.
Generally, your deposits and withdrawals are processed as follows:First: Deposits made before the cut-off time are added to your account balance.
Second: Fees for services we provide.
Third: Transactions received real-time during the day are deducted as they occur if there is a sufficient available
balance in the account to pay for the transaction and any associated fee. Example: ATM, debit PIN or teller
withdrawals including cashed checks; transfers or Citi Online bill payments initiated by you, debit card purchases
at a merchant and most ACH debits that we receive throughout the day.
Fourth: Checks presented for payment and any ACH debit not deducted during the day are deducted from yourremaining available balance in the order of lowest to highest dollar amount.

427.2.4 Overdrawing Your Account
Overdrawing Your Account. Citibank encourages its customer to consider the impact of overdrawing an
account. Your deposit account with us is overdrawn if your Available Now balance is less than $0 (negativebalance). You can minimize overdrawing your account by maintaining an Available Now balance in your accountsufficient to cover your Transaction Items. An account may become overdrawn for a variety of reasons, including
if you perform a transaction on your account that reduces your Available Now balance to less than $0.
In the event of insufficient funds to pay one or more Transaction Items from your Available Now balance, in oursole discretion we may return (“Returned Items”) or pay (“Overdraft”) one or more Transaction Items. We will notallow you to overdraw your account in certain circumstances. These may include certain activities, such as branch
withdrawals, ATM transactions, and transactions using your Citibank® Debit Card. In addition, Access Checking
accounts are designed so that Transaction Items that cause an overdraft will not be authorized. For certain
other account activities, such as a check transaction or ACH payment, in our discretion, we may allow or deny atransaction that would cause an account to be overdrawn.
Insufficient Funds to pay a Transaction item. Our payment of any Transaction Item that creates an Overdraft in noway obligates us to continue that practice at a later time. We may discontinue paying Overdrafts without notice toyou. Although Citibank does not charge fees for Returned Items and Overdrafts, you may be charged a fee by themerchant or other payee. A Return Deposit Item may occur whether or not your account is overdrawn and is not an
overdraft fee or a Returned Item fee. You may be charged this fee when checks that you deposit into your accountare returned by the paying bank for insufficient or uncollected funds.
Please be aware an entity that presents a Transaction Item for payment and is returned, may represent it for
payment multiple times even if we have already returned it for insufficient funds. Each presentment may
decrease your Available Now balance.
If your account balance is insufficient to pay your Transaction Item and we pay an Overdraft, you and all owners
and beneficial owners of the account will continue to be liable to us for the unpaid amount and interest thereon
until it is paid in full. Accounts with a zero or negative account balance may be closed. Your obligations forTransaction Items conducted by you will survive the termination of the account and this Agreement.
Overdraft Protection. Citibank offers two options designed to help you cover overdraft amounts in your checking
account: Safety Check and Checking Plus® (variable rate) Line of Credit. Ask us for information which may
include an application.
Safety Check. Safety Check covers overdraft amounts by transferring funds from your linked Savings account.
The linked contributing account also covers the use of deposited funds that are not yet available in yourchecking account.
Contributing Accounts
When you sign up for Safety Check, you may select one account you maintain at Citibank as your “Contributing
Account.” Citi Savings, Citibank Savings Plus, Citi Accelerate Savings or Citi Miles Ahead Savings accounts are
eligible Contributing Accounts. Only Available Now balances in your Contributing Account can be used for Safety
Check coverage.
When Safety Check is used to cover your use of funds in your checking account that are not yet available(uncollected), a like amount in your Contributing Account will be held until the deposited funds become
available. The funds held in your Contributing Account are not transferred to the checking account and willcontinue to earn interest. Since no transfer of funds occurs, there is no transfer fee for use of this service in thiscircumstance.
Safety Check Transfers
Safety Check transfers from your Contributing Account will be made in the amount needed to cover youroverdraft amounts rounded up to the next $100 increment. We reserve the right to pay a Transaction Item andnot to process a Safety Check Transfer.
43

Transfers. No more than $99,999.99 per statement period will be transferred from your Contributing Account tocover overdraft amounts or use of uncollected funds in your checking account.
Checking Plus® (variable rate) Line of Credit. Checking Plus is a revolving line of credit account linked to your
Citibank checking account that provides overdraft protection and allows you to borrow the extra cash you need.
Funds are automatically transferred from the Checking Plus line to the checking account to cover overdraft
amounts; you can also withdraw cash at any time directly from your Checking Plus account without overdrawing
your checking account (up to your available credit limit).
Checking Plus (variable rate) line of credit account terms and conditions are disclosed in a separate Agreement
and Disclosure that you will receive at time of account application or shortly thereafter.
For all Checking Plus® and Checking Plus® (variable rate) Line of Credit customers. Please refer to yourChecking Plus or Checking Plus (variable rate) Line of Credit Account Agreement and Disclosure, as applicable,
for terms, conditions and fees relating to transfers from Checking Plus Line of Credit or Checking Plus (variablerate) Line of Credit Accounts.

7.2.5 Stop Payment Orders (Checks)
General. Any signer on the account can instruct us to stop payment on a check that has not been paid by issuinga stop payment order at a Citibank branch, through Citi Online or by calling CitiPhone Banking®. For information
about stopping payment on an automatic withdrawal or payment from your account (ACH), please refer tosection 8.3 Stop (Cancel) Payment Orders (Pre-authorized Recurring Fund Transfers) and section 8.4 Stop
(Cancel) Payment Orders (One-time Future Dated ACH Transfers).
A stop payment order must be received in a time and manner that gives us a reasonable opportunity to act on it
before paying, accepting, certifying, cashing or otherwise becoming obligated to pay the item. Payment cannot
be stopped on a check that has already been paid or that is in the process of being paid. At the time that you
place a stop payment order, we may not be able to tell you whether the check has been paid or is in the processof being paid. Under certain circumstances, the law may allow the party in possession of the check to enforce
payment, despite the stop payment order. You agree to indemnify us against any claim or loss resulting fromhonoring your stop payment request.
When you place a stop payment on a check, a stop payment fee may apply. Please refer to Appendix 1: Fee Schedule.
When you place a stop payment order on a check and believe that the check may be converted to an electronictransaction (ACH), you should also place a second stop payment as an ACH. There is no fee for the second stop
payment.
Contents of Stop Payment Order. You will need to accurately provide:• Your account number;• The date of the check;• The check number;• The exact amount (dollars and cents) of the check; and• The payee’s name.
We may use some or all of the information, in our sole discretion, to identify a check. If the information is notexactly correct, the stop payment may not be effective.
Effective Period of Stop Payment Order: Renewal. A stop payment order on a check will stay in effect for six (6)months from the date we accept the stop payment order, unless you instruct us to cancel it or to renew it, provided
that we have not already returned the check. The order may be renewed for additional six (6) month periods.
Your instructions to remove or renew a stop payment order must be received in a time and manner that gives us areasonable opportunity to act upon it.
44

Replacement Check. If you write a new check to replace one on which you have placed a stop payment order, besure it has a different check number and date. It is also helpful if you write the word “replacement” on it so it is
not mistaken for the original check.
Official Checks and Money Orders. You may not as a matter of right place a stop payment on an official check,money order, or international cheque. If such an instrument has been lost, stolen, or destroyed, you and/or the
payee may, under certain circumstances, be allowed to place a stop payment by completing a “Stop Payment
Request and Indemnity Agreement” form. We may require that you wait ninety (90) days before reissuing the checkor reimbursing you. You may also be required to purchase a surety bond for twice the amount of the instrument.

7.2.6 Withdrawal Refusals
In some instances, we may refuse a request for a withdrawal or transfer from an account. The following list
includes, but is not limited to, the most common reasons we might refuse such requests:• If the funds you wish to withdraw are not yet available; (Please refer to Appendix 2: Funds Availability at Citibank).
• If we decide to require seven (7) days advance written notice and we have not received such notice;• If there are insufficient funds in your account;• If you use a type of check not acceptable to us;• If the funds you wish to withdraw are being held to cover a checking account withdrawal under our Safety
Check service;• If the funds you wish to withdraw are being held due to cashing of a third party check against the account or for
any other reason;• If the withdrawal would consist of money owed to us;• If the withdrawal you are requesting is of the type that is limited by federal regulations, and you have alreadyreached the applicable limit;• If, in the case of a joint account, any account signer gives us written instructions not to permit a withdrawal;• If the account is pledged as collateral for a loan;• If an account owner has died and we have not received all documents required to release funds in the account;• If we have not received documents or identification required to permit access to the account, such as when theaccount is new and documentation remains missing;• If we have been ordered by a court or other legal process not to permit the withdrawal;• If you do not present us with appropriate identification or any other information that we may require;• If we are aware of any dispute relating to the account or funds in the account;• If we have some suspicion of fraud, irregularity, or illegality; or• If we believe that the signature on a check or item drawn on your account and presented for payment does notappear similar to that appearing in our records.
Payment over Valid Stop Payment Order. If you believe that we have paid a check over a valid stop payment
order, we may require you to provide us with evidence of our acceptance of a valid stop payment order andan affidavit describing in detail your loss resulting from the payment of the check; and, if applicable, further
describing in detail your dispute with the payee. If we subsequently determine that you were indebted to thepayee for the exact amount of the check or less, you agree that we will have the right to debit your account for
the amount of the indebtedness. If your account has insufficient funds to cover the indebtedness we may also
exercise our right of setoff.

45

7.2.7 Check CashingYour Own Checks. You can cash a check at any Citibank branch, for any amount up to the available balance withyour Citibank Banking Card or other identification that is acceptable to us.
Third Party Checks. In certain instances we may allow you to cash a third party check (i.e., a check originally
payable to another person) at a Citibank branch, up to the available balance in your account using your Citibank
Banking Card as identification. If the check is payable to a party other than yourself, we may require that theother party’s endorsement be verified or guaranteed before we accept the check. In any case, we may refuse toaccept any third party check for encashment for any reason. If you routinely request that we cash third party
checks we may require that you enter into a separate agreement with us for that purpose. If we do cash a third
party check, a hold may be placed on your account for the amount of the check until the check clears. The
amount of the check cashed may also reduce your daily balance or average daily balance for interest and/ or fee
calculation purposes for up to the number of days it takes for us to collect the check.
Payee Check Cashing. When you write one of your checks to another person, that person, with proper
identification, may be able to cash it at a designated Citibank branch up to the applicable limit which is currently$5,000. This limit may change from time to time without notice to you. We may charge a person who cashes
your check a fee, or refuse to cash your check, if that person is not a deposit or loan customer of ours. Otherwise,
the payee will be required to deposit the check to an account with us or elsewhere. For checks presented forencashment to a Citibank branch located in California or Nevada by a payee who does not bank with us, we
may also require the payee to provide a fingerprint before cashing the check. If the payee refuses to provide afingerprint, or, if a payee refuses to pay our check cashing fee, we may refuse to cash the check. You agree that
our refusal to do so is reasonable and that we will not be liable to you for our refusal.
Check Cashing for Others. You should not use your account to cash checks for others who are not well known
to you. Although we may make funds provisionally available to you and may take steps to determine whether acheck will be paid, you are responsible for any loss that occurs if the check is returned to us for any reason (e.g.,
because it is counterfeit). Our employees cannot promise that checks drawn on or issued by other institutions,
including cashier’s checks or official checks, will be paid.

7.3 Other Information
7.3.1 Account Errors and Adjustments
We may make adjustments to your account whenever a correction or change is required. Adjustments might occur,for example, if a deposit amount is entered in an amount that is different than the actual amount of the deposit
or items you deposit are returned unpaid. In the case of a deposit error where the deposit amount is entered in thewrong amount, we will either investigate the discrepancy and make an adjustment (debit or credit) to your accountor alternatively, credit your account for the full amount of the discrepancy without investigation.
You have a responsibility to review your account statement in a timely manner and to notify us promptly of any
errors. Within thirty (30) days after we send or make available to you your account statement and accompanying
items, you must notify us in writing of any errors, discrepancies, or unauthorized transactions. If you fail to doso, we will not be liable for debits or charges to your account resulting from such errors, discrepancies or lack ofauthorization, or for losses resulting from subsequent related occurrences. For claims with respect to domestic wiretransfers, please refer to section 9.1 Outgoing Wire Transfers or in the separate agreement you received when you
enrolled in the service.
Please note: There are exceptions to this 30 Day notice requirement. For claims asserting forged, missing, or
unauthorized endorsements or a material alteration, you must notify us within the period specified by the state
law applicable to your accounts.

46

Claims involving outgoing consumer international wires and outgoing international Citibank Global Transfers
are governed by special notice provisions for remittance transfers described in section 9.2 Remittance Transfers
within this Agreement and in the separate funds transfer agreement for these services. Claims involving
electronic fund transfers covered by Regulation E (Subpart A) are also governed by special notice provisions
described in section 8 Electronic Fund Transfers. Please refer to these sections for a description of your rights.
You also agree that any suit or demand for arbitration that you assert based on an account error, discrepancy,
or unauthorized transaction must be brought within 1 year (2 years in Texas) after the date of the first accountstatement on which the error, discrepancy, or unauthorized transaction appears.
If you think an error has been made or if you need more information about a transaction, call the number on theback of your Citibank Banking Card. If your account is debited with a substitute check that you have received
from us and you believe that there is an error or discrepancy or that the transaction is unauthorized, you areentitled to additional rights under the law. Please refer to section 7.3.2 Substitute Checks and Your Rights.
If funds to which you are not entitled are deposited into your account, we have the right to remove these funds fromthe account at any time without prior notice to you. If there are insufficient funds in the account, we may charge
your other accounts to recoup the funds, as more fully explained in the “Right of Setoff” section of this Agreement.

7.3.2 Substitute Checks and Your Rights
What Is a Substitute Check? A substitute check is a paper reproduction created from a digital image of thefront and back of the original check and bears the legend “This is a legal copy of your check.” You can use it thesame way you would use the original check. Federal law allows banks to replace original checks with “substitutechecks.” Under the law, a substitute check is the “legal equivalent” of the original check. In other words, it can beused in the same way and for all purposes for which you would use the original check.
Your Rights. The following rights apply if you receive a substitute check from us in lieu of the original check.
These rights do not apply to original checks or to electronic debits. Your rights as to those transactions remainunchanged and are described in other sections of this Agreement. Please note these rights also do not apply toimages of checks furnished to you or viewed through Citi Online.
In certain cases, federal law provides a special procedure that allows you to request a refund for losses you
incur if you believe a substitute check is incorrectly posted to your account (for example, if you think youraccount was debited for the wrong amount) and production of the original check is needed to determine thevalidity of the debit. The losses you may attempt to recover may include the amount that was withdrawn fromyour account and fees that were charged as a result of the withdrawal (for example, overdraft check fees.) The
amount of the refund you may request under this procedure is limited to the amount of your loss or the amountof the substitute check, whichever is less. You are also entitled to interest if your account is an interest-bearing
account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts
under other laws.
Under federal law, you may receive up to $2,500 of your refund (plus interest if you have an interest bearing
account) within ten (10) Business Days after we receive a complete claim from you and the remainder of yourrefund not later than forty-five (45) calendar days after we receive a complete claim from you. You will not be
entitled to a refund if we determine that the substitute check was correctly posted to your account. Alternatively,
we may reverse the refund (including any interest on the refund) if we later determine that the substitute check
was correctly posted to your account.

47

Filing a Claim. If you believe a substitute check you have received from us was improperly debited to your account,please call the number indicated on the back of your Citibank Banking Card or in the Contact Us section of thisAgreement. You must contact us within forty (40) calendar days of the date we mailed, or otherwise made available
to you, the substitute check in question. We may extend the time period if you were prevented from contacting us
for extenuating reasons. In certain situations, such as forgery claims, we may require that you put your claim in
writing. If so, we must receive the information in writing within ten (10) Business Days from the day you first notified
us of your claim.
If you are not able to contact us by telephone, you may also write to us at the following address: Citibank Client
Services, P.O. Box 769014, San Antonio, TX 78245-9989.
In investigating your claim, we may request the following information from you:
• Description of how you suffered a loss;• Amount of your loss;• Explanation as to why the original check is needed to determine the validity of the amount charged to youraccount; and• A copy of the substitute check and/or information to help us identify the substitute check (such as checknumber, the amount of the check and payee)

7.3.3 Foreign Currency Exchange
Citibank’s World Wallet® service offers you the convenience of ordering foreign currency at competitive exchange
rates quickly and easily. Foreign currency is available in more than 50 different currencies. You can order foreign
currency simply by visiting your local Citibank branch or by calling the phone number on the back of your
Citibank Banking Card. Daily order limits may apply. Delivery of foreign currency can be made to your address
on record or an alternate address in the continental United States, for an additional nominal charge. Citibank
will not deliver to P.O. Boxes or to locations outside of the continental United States. All orders placed for next
business day delivery must be made by 3 PM Central Time. For more information about these services, you may
visit Citi Online or speak to a banker in a branch or call 1-800-756-7050 toll-free within the United States.
Your account will be automatically charged by us for the amount of your order, plus any applicable service andshipping charges. For redemptions of foreign currency, your account will be credited in U.S. dollars, less any
applicable service charges. The exchange rate for a purchase or redemption of foreign currency is the Citibank
foreign currency banknote conversion rate in effect at the time you place your purchase order or redeem yourcurrency. This rate includes a commission to Citibank for the conversion service.
Limitation of Liability. We assume no responsibility and make no representation regarding (a) comparative
exchange rates available from other sources, and (b) foreign laws relating to currencies, including, without
limitation, the importation of currencies and laws affecting the free convertibility of local currencies.

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8 Electronic Fund Transfers
8.1 General Information
We provide a variety of Electronic Fund Transfers services for use with your accounts. These services allow you
to make or receive deposits, payments, and other transfers by electronic methods, such as with your Citibank
Banking Card, by telephone, or by using Citi Online or the Citi Mobile App. Some services are also subject to andfurther described in separate agreements that are provided to you when you enroll in that service.
Federal law governs certain types of consumer transactions that are described as electronic fund transfers.
Common types of electronic fund transfers include: withdrawals, deposits, transfers and point of saletransactions utilizing your Citibank Banking Card, electronic direct deposits; payments utilizing our Bill Pay
service; one-time transfers or payments you initiate by phone, online or via our mobile app; and transfers to orfrom your account utilizing our automated clearing house service, Inter-Institution service, Instant Payment
Service and Zelle ®. Electronic fund transfers are governed by the Electronic Fund Transfer Act and Regulation E
Subpart A and you are entitled to certain rights and remedies for error resolution as described below.
Federal law also governs outgoing consumer international wire transfers and Citibank® Global Transfers as“remittance transfers”. Under Regulation E Subpart B, you are entitled to certain rights and remedies when
initiating a remittance transfer which are described in Section 9.2 Remittance Transfers as well as in the terms andconditions of the service you received when enrolling in these services.
General. Please note that each withdrawal, transfer, purchase and cash advance is limited by the amountavailable in your account or available to you via an overdraft protection program such as Checking Plus®,
Checking Plus® (variable rate) line of credit or Safety Check. Some Network ATM operators may impose lower
limits on cash withdrawals.
Limitations on Transfers and Withdrawals and Right to Suspend or Discontinue Services. At any time we may
change the transfer and withdrawal limits that apply when you use an Access Device, and at any time we may suspend
or discontinue operation of certain Electronic Fund Transfers services based upon security issues and other factors.
Termination of Electronic Fund Transfers Services
If you wish to terminate any Electronic Fund Transfers services or no longer wish to use your Citibank Banking
Card, call 1-888-CITIBANK or write us at P.O. Box 769004, San Antonio, TX 78245-9989.
Unauthorized Use of Access Device. If an unauthorized person has obtained access to your Citibank Banking
Card, your PIN, your Citi Online User ID and password or your TAC, notify Citibank immediately. Your rights
and obligations in the case of unauthorized use of any of your Access Devices are the same as for lost or stolen
Citibank Banking Cards.
Our Responsibility to You When Providing Fund Transfer Services
If we do not complete a transfer to or from your Account on time or in the correct amount according to our
Agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will
not be liable, for instance:
1.

If, through no fault of ours, you do not have enough money in your account to make the transfer;

2. If the transfer would go over the credit limit on your overdraft line;49

3. If the automated teller machine where you are making the transfer does not have enough cash and you
continue to request the transfer when you know the ATM does not have sufficient cash;
4. If the automated teller machine or POS terminal was not working properly and you knew about the
breakdown when you started the transfer;
5. If circumstances beyond our control (such as fire or flood or other conditions listed under “Limitation of
Liability”) prevent the transfer, despite reasonable precautions that we have taken.
There may be other exceptions stated in our Agreement with you.
Your Responsibility to Us When Utilizing Funds Transfer Services
This Agreements describes your rights and liability for errors involving unauthorized transactions or those in anincorrect amount to or from your Account. For further information about your rights under Regulation E, pleaserefer to sections 8.5 Unauthorized Transactions: Notice and Error Resolution Procedures and 8.6 Other Electronic
Fund Transfer Errors: Notice and Error Resolution Procedures.
Please note the following:• For merchant disputes about quality of goods and services for transactions that are fully authorized andproperly executed, you are responsible for resolving any disputes that you have with other persons to whom
you send money to or request money from using a funds transfer service.
• You are responsible for keystroke or other errors such as inputting an incorrect account number or mobile
phone number or email address associated with a person you send money to or request money from using afunds transfer service.

8.2 Types of Electronic Fund Transfers
8.2.1 Citibank Banking Card
You can use your Citibank Banking Card for a variety of transactions as described below. Generally, you will
receive your Citibank Banking Card when you open your account. If you do not select your Personal Identification
Number (PIN) at account opening, you will receive a PIN in a separate mailing. Your PIN is required for all Citibank
Banking Card transactions at Proprietary Citibank ATMs, at Network ATMs or for PIN-based POS purchasetransactions. You agree to keep your PIN confidential. No bank employee knows your PIN or will ever ask for it.
For your protection, we encourage you to periodically change your PIN. You can change your PIN at any time:• At a Proprietary Citibank ATM;• At any Citibank branch in the United States;• On Citi Online or Citi Mobile App.
If you are unable to change your PIN, you may contact the phone number on the back of your Citibank Banking
Card to request a PIN mailer. The sealed mailer contains a confidential, pre-set PIN that is systemically generated
and mailed directly to you. When you receive the PIN mailer, you will need to call the phone number on the backof your Citibank Banking Card to activate the PIN.
The PIN you select must consist of four numbers and cannot begin with a zero. Many international ATMs do nothave keys with both letters and numbers. If your PIN contains letters, please learn their corresponding numbers, as
letters may not always be noted on the keys.

50

ATM Security Tips
We want you to be safe when you use any ATM or Debit card. You can help prevent unauthorizedaccess to your accounts by following these simple steps:• Treat your Citibank Banking Card and other types of devices used to access your accounts likecash. Do not leave them where others can find them. Do not give them to anyone to hold as“security” for any reason and do not use them to show another customer how an ATM works.
• Keep your Personal Identification Number (PIN), Telephone Access Code (TAC) and othercodes used to access your accounts secret. Do not tell them to anyone. Do not write them on
your Citibank Banking Card or keep them in your wallet or purse.
• Change your PIN periodically.
• Review your account statements regularly and let us know right away of any discrepancies.
• Always be alert and aware of your surroundings when using ATMs, particularly later than ahalf hour after sunset.
• Consider having someone accompany you when using an ATM later than a half hour after sunset.
• Immediately report crimes and suspicious activity at ATM locations to local law enforcement
officials as well as to the owners/operators of the ATMs.
Please address any questions or complaints concerning security at Proprietary Citibank ATMs
at the number on the back of your Citibank Banking Card. For emergency assistance at any U.S.
Citibank or U.S. Network ATM, please call 911.

Renewal/Cancellation of your Citibank Banking Card. We will automatically send you a new Citibank Banking
Card before your current card expires. When you receive your new card, you will need to activate the card byfollowing the instructions enclosed with the card. You will need to sign your new card and destroy your old card.
Please note that the Citibank Banking Card we issue you is and remains the property of Citibank. We havethe right to take possession of it, to demand its return, and to cancel it at any time. You may also cancel your
Citibank Banking Card at any time and for any reason. To do so, cut your card in half and notify us by contacting
us at the phone number on the back of your Citibank Banking Card, on Citi Online or at a Citibank branch. You
agree to return the Citibank Banking Card to us upon request.
You may be assessed fees for using non-Citibank ATMs locations — please refer to Appendix 1: Fee Schedule.
When you use a Network ATM other than at a location within our surcharge-free network, you may be charged
a fee by the ATM operator or any network used and you may be charged a fee for a balance inquiry even if you do
not complete a transaction. For fees imposed when withdrawing cash from your linked Citibank credit accounts(including credit cards), refer to your applicable customer agreement for the credit account.
ATM Withdrawal Posting Cut-Off Times. For purposes of determining the Business Day for posting of cash
withdrawals from Proprietary Citibank ATMs, withdrawals made after 10:30 PM Eastern Time (9:30 PM Central
Time) or on non-Business Days will post to your account on the following Business Day.
Point-of-Sale (POS) Transactions“PIN Based” Transactions. You can use your Citibank Banking Card to purchase goods or services from merchantlocations in the United States accepting Interlink®, Maestro® or Cirrus® by authorizing these transactions using
your PIN.

51

Please note, “Direct Bill Payment” transactions set up with merchants may be processed as “PIN-Based”
transactions, even though they may not require a PIN.
“Signature-Based” Transactions. You can also use your card to purchase goods or services and/or receive cashfrom locations that accept MasterCard® or Interlink. These transactions are those for which you do not use yourPIN and either you or a merchant designates as a “credit” transaction (including purchases you sign for, small
dollar purchases that do not require a signature), Internet, phone and mail-order transactions.
All POS transactions made with your Citibank Banking Card are deducted from your primary linked checking account.
Authorizations. When you use your Citibank Banking Card for a POS transaction, certain merchants may ask us
to authorize the transaction in advance and may estimate its final value. When we authorize the transaction, we
commit to make the requested funds available when the transaction finally settles and may place a temporary
hold on your account for the amount indicated by the merchant. Until the transaction finally settles or until wedetermine that it is unlikely to be processed, the funds subject to the hold will not be available to you for otherpurposes. We will only charge your account for the correct amount of the final transaction, however, and we will
release any excess amount when the transaction finally settles.

Citibank Banking Card Transaction Limits
Limits may apply on a per account per Business Day basis or on a per Citibank Banking Card, per Business Day
basis. The stated limits apply regardless of the number of signers on an account or Citibank Banking Card. The
number of cards issued to a Citigold® Private Client, Citigold® or Citi Priority account customer does not affectthe maximum withdrawal limit per account.
We reserve the right to change limits or to suspend or discontinue operation of certain Electronic Fund Transfers
services at any time based on security or other factors. We also reserve the right to set a lower dollar limit for POS
transactions occurring during a disruption of the electronic connection between a merchant and Citibank.
Standard Limits

Citi Priority Limits

Citigold® Limits

Citigold® Private
Client Limits

Signature
Purchase Limit$5,000 per accountper Business Day$10,000 per
account per
Business Day$25,000 per
account per
Business Day$50,000 per
account per
Business Day

PIN Based
Purchase Limit$5,000 per accountper Business Day$10,000 per
account per
Business Day$25,000 per
account per
Business Day$50,000 per
account per
Business Day

Cash
Withdrawal
Limit$1,500 per Citibank
Banking Card, perBusiness Day$2,000 per accountper Business Day$5,000 per accountper Business Day$5,000 per accountper Business Day

Person to Person
Payments /creditSend $1,000 per
day up to $10,000
per month

Send $1,000 per
day up to $10,000
per month

Send $1,000 per
day up to $10,000
per month

Send $1,000 per
day up to up to$10,000 per month

Receive $2,500 per
day up to $10,000
per month

Receive $2,500 per
day up to $10,000
per month

Receive $2,500 per
day up to $10,000
per month

Receive $2,500 per
day up to $10,000
per month

Receive up to$50,000 per month

Receive up to$50,000 per month

Receive up to$50,000 per month

Receive up to$50,000 per monthBusiness or
government toperson credits
only52Your maximum purchase limits on your Citibank Banking Card per account, per Business Day, are limited by theamount available in your account, whichever is lower.
You may be able to place a $50 per Business Day cash withdrawal and point of sale limit on the amount you canaccess from any or all of your deposit accounts using your Citibank Banking Card. If you would like to place sucha limit, please call us at the number on the back of your card.
Transactions Made Outside of the United States and its Territories. We will apply a foreign exchange fee equal
to 3% of the transaction amount (including credit and reversals) for each international debit card purchase or
ATM withdrawal transaction (including those at Proprietary Citibank ATMs) made in a currency other than U.S.
Dollars when the transaction is conducted outside the 50 United States and its territories. Fee is waived for
Citigold, Citi Priority, Citi Private Bank, and International Personal Bank U.S. accounts.
Transactions done in foreign currency. Transactions made in foreign currency will be converted into U.S. dollars
according to the current policies of the merchant, network or card association that processes the transaction:• Transactions processed by Citibank are converted into a U.S. dollar amount using Citibank’s procedures in
effect at the time the transaction is processed. Currently, the currency conversion rate used to determine thetransaction amount in U.S. dollars is based on either (1) a wholesale market rate or (2) a government-mandated
rate in effect one day prior to the processing date. Transaction types currently processed by Citibank include ATM
withdrawals made at many Proprietary Citibank ATMs outside the United States or Puerto Rico.
• Transactions processed by MasterCard® currently use a conversion rate that is either: (a) selected from a rangeof rates available in the wholesale currency markets on the processing date (Note: this rate may be different
from the rate that MasterCard® receives), or (b) the government-mandated rate. Transaction types currently
processed by MasterCard® include Signature-based POS transactions and ATM withdrawals (including
those at certain Proprietary Citibank ATMs). Please note that PIN-based POS transactions cannot be made atinternational locations. Citibank® Debit Cards can still be used to make Signature-based POS purchases.
The currency conversion rate in effect on the processing date may differ from the rate in effect on the transaction
date or the posting date.

8.2.2 Bill Payments• You can make payments to third parties by calling the number on the back of your card or on Citi Online or on
Citi Mobile. When you pay your bills through our bill payment service, your payment is transferred electronicallyor by an official check. Your account or invoice number can be included with your payment, whether it is madeelectronically or by check. You can schedule a bill payment up to one year in advance and you can schedule aseries of recurring payments.
• If you want to cancel one scheduled bill payment or a series of recurring payments to the same merchant, youmust do so by 11:59 PM Eastern Time on the day prior to the next scheduled payment date. You can cancel apayment via Citi Online or by calling 1-800-374-9700. (TTY: We accept 711 or other Relay Service). If you callthe number on the back of your card, a representative will be able to assist you whether the bill payment wasscheduled via phone or via Citi Online or Citi Mobile.
• If a bill payment is made by check, a stop payment order can only be accepted under certain circumstances.
Refer to section 7.2.5 Stop Payment Orders (Checks) for more information about stop payment requests on
Citibank Official checks. You cannot stop payment on electronic bill payment once that payment has been
issued by Citibank.
• Your Citibank account statement will include all bill payment transactions. If you suspect any error in thesestatements, or if you have questions or need help, you should write to us at Citibank Client Services, P.O. Box
769004, San Antonio, Texas 78245-9989 or call the phone number on the back of your Citibank Banking Cardor 1-800-374-9700. (TTY: We accept 711 or other Relay Service.)• A pre-authorized bill payment can be reviewed online or via CitiPhone Banking®. If you believe an
unauthorized bill payment has been or might be made, you should call 1-800-374-9700. (TTY: We accept
711 or other Relay Service.)53• There is no monthly charge or transaction fee for paying your bills using Citi Online or Citi Mobile, theTelephone Automated Bill Payment Service or when you schedule a single payment or multiple bill paymentswith the assistance of a CitiPhone representative.
• If you are using your account to make pre-authorized payments to a person or company and these payments
vary in amount, it is the responsibility of that person or company to notify you of the amount and date of next
payment. You should contact the payee and/or service provider, and not Citibank, regarding your options forreceiving this notice.

Bill Payment Limits
Standard Limits

Citi Priority
LimitsCitigold® Limits

Citigold® Private
Client Limits

Daily Transaction Limit$50,000$50,000$50,000$50,000

Single Transaction Limit$10,000$50,000$50,000$50,000

Electronic Check Conversion
You may authorize a merchant or other payee to process an electronic transfer from your account using theinformation from a paper check that you have issued to that merchant or payee to make a payment or pay for apurchase.

8.2.3 Internal Transfers Between Linked Accounts
You can transfer funds between your linked Checking account and Savings account and any linked credit card
account using Citi Online, Citi Mobile, CitiPhone Banking or at a Proprietary Citibank ATM. You may also transfer
funds between your linked CDs at account opening and renewal, Checking accounts, and Savings accounts on
Citi Online, Citi Mobile or CitiPhone Banking. You can transfer funds between your linked Checking, Savings or
credit card accounts at a Network ATM showing one of the network symbols shown on your Citibank Banking
Card. For transfer limits on your linked Citibank credit accounts (including credit cards) refer to your applicable
customer agreements.
You can transfer funds between your eligible Checking or Savings account and a linked CGMI Account using
Citi Online or Citi Mobile when all accounts have common owners/account titles. Transfer requests to a linked
CGMI Account made after 4:00 PM Eastern Time on a Business Day or at any time on a non-Business Day will beprocessed on the following Business Day.
Automatic Transfers. You can set up automatic transfers between your linked Checking and Savings accounts
on a weekly, every-other-week or monthly basis. Examples include monthly transfers of interest earned on yoursavings account to your checking account or monthly transfers to contribute to your IRA account. You can also
set up automatic transfers of interest earned on CDs to eligible linked accounts when opening or renewing a CD.

8.2.4 Citibank® Global Transfer Service
You can use make transfers from your eligible Citibank® checking or savings account to the account of another
Citibank customer in the U.S. or in select markets outside the U.S. or to receive funds into your account fromanother Citibank customer in the U.S. using Citi Online or Citi Mobile to the minimum transaction amount is $1,
exclusive of the transaction fee. There is no fee for sending or receiving a Citibank® Global Transfer. When you senda Citibank® Global Transfer to the account of another Citibank customer in the U.S., the funds will be debited fromyour designated eligible account and immediately credited to the recipient’s account. Transfers to U.S. accounts
will be made in U.S. dollars. When you send a Citibank® Global Transfer to another Citibank account held by youor anyone else outside of the U.S., the funds will be debited from your designated eligible account and credited
to the recipient’s account. The transfer will be made in the currency of the foreign recipient’s account. Citibank’s
exchange rate includes a commission for the conversion service. Please refer to section 9.2 Remittance Transfers for
information about claims or inquiries regarding a consumer international Citibank Global Transfer transactions.
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Destinations. We may change the permitted destinations for Citibank Global Transfers from time to time basedon security issues and other factors. Approved destination countries may change. Information on available
countries can be obtained by calling the number on the back of your Citibank Banking Card or on Citi Online.

Citibank Global Transfer Service Limits for Account-to-Account Transfers by channel(transfer limits are stated in U.S. dollars):Your Citibank® Global Transfer Service transfer limits may vary at our discretion and without prior notice basedon risk factors relevant to this service and your personal transaction activity.
Standard Limits

Citi Priority
LimitsCitigold® Limits

Citigold® Private
Client Limits

Citi Online
Daily Transfer Limit$50,000$75,000$100,000$100,000

Citi Mobile
Daily Transfer Limit$50,000$75,000$100,000$100,000

Citi Online
Citi Mobile
Weekly Transfer Limit$50,000$100,000$150,000$500,000

8.2.5 Institution Transfer (IIT) Service
You can use the Inter-Institution Transfer Service to request a transfer of funds through Citi Online: (1) froman eligible Citibank account owned by you to a verified account you own at another financial institution in the
United States; or (2) from a verified account you own at another financial institution in the United States to youreligible Citibank account in the United States. Citibank generally uses the ACH Network to execute your transfer
request, but other methods of transfer may also be used. All transfer requests using this service are subject
to and further described in the Inter-Institution Transfer Service agreement you received when you enrolled in
the service. Currently, there are no fees to send or receive funds using the Inter-Institution Transfer Service but
we reserve the right to change the fee schedule for the use of this service. Please note that per-transfer andaggregate limits apply to both incoming and outgoing transfers.
Cancellation of transfer requests. If you want to stop (cancel) a scheduled transfer or a series of scheduledtransfers to the same external account, you must do so by 9:30 PM Eastern Time on the day prior to the nexttransfer date. You can cancel by visiting a Citibank branch, through Citibank® Online or by calling the phone
number on the back of your Citibank Banking Card. Please note that if you request cancellation of one in a seriesof scheduled transfers, that cancellation will be effective as to all subsequent transfers to or from that external
account. You will need to set up your transfer request again if you wish to resume recurring transfers to or fromthat external account.

8.2.6 Zelle®
Zelle® is an easy and fast way to send money to other persons — typically within minutes between enrolled
customers with a bank account in the U.S. — with just an email address or U.S. mobile phone number. Zelle® is adigital service available within the Citi Mobile App and on Citi Online that can be used by you to send and receive
money with your checking account.
You are responsible for using the correct U.S. mobile phone number or email address belonging to your friend or
family member or other trusted person. You will be responsible for any keystroke or other errors you make whensending or requesting money.

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For a full description of Zelle® including Frequently Asked Questions, please visit Citi Online. Zelle® is subject toterms, conditions and restrictions in the Citibank with Zelle® Terms and Conditions made available to you uponenrolling in the service or at any time on Citi Online.
FOR THE PROTECTION OF YOUR ACCOUNT, ZELLE® SHOULD BE USED ONLY TO SEND MONEY TO FRIENDS,FAMILY OR OTHERS YOU TRUST. YOU SHOULD NOT USE THE SERVICE TO SEND MONEY TO RECIPIENTSWITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST. NEITHER CITIBANK NOR ZELLE® OFFER A
PROTECTION PROGRAM FOR ANY AUTHORIZED PAYMENTS MADE WITH ZELLE®. FOR EXAMPLE, IF YOU MAKE
A PURCHASE USING ZELLE® BUT YOU DO NOT RECEIVE THE ITEM OR THE ITEM IS NOT AS DESCRIBED OR AS
YOU EXPECTED.

Tips to keep your accounts and information safe
• Be on the lookout for scammers who try to impersonate Citi Employees.
Remember, Citi will never call and ask you to share your password, username or one-time passcode.
• Don’t share personal information with someone you don’t know.
Be suspicious of unexpected phone calls, texts or emails that ask you for personal information such as
credit card numbers or passwords. Hang up and call or chat directly with Citi customer support.
• Be suspicious of false urgency.
Scammers often try to convince you that a situation is urgent and you have to act now.
• Watch out for fake Citi SMS texts.
Citi may email, text or call you if we detect unusual account activity, but we will never send you an SMS
text from a 10-digit phone number or SMS text from an email address.
• Be wary of requests to transfer money to yourself.
Request to transfer money to yourself may actually result in money being transferred to a fraudster’s
account.
• Use only Citi-owned contact methods.
When conducting business with Citi, use Citibank Online, the Citi Mobile app or reach out to customer
support via the number on your account statement or on the back of your card.

For more information on how to protect yourself from scammers, visit
www.citi.com/fraudprevention.

8.3 Stop (Cancel) Payment Orders (Pre-authorized Recurring Fund Transfers)
You may place a stop payment on (cancel) pre-authorized recurring transfers from your Account by visiting a
Citibank branch, through Citi Online or by calling the phone number on the back of your Citibank Banking Card.
We must receive your request at least three (3) Business Days before the transfer is scheduled to be made. If you
request a stop payment by phone, we may also ask you to confirm your request in writing within two (2) weeks.
Payment cannot be stopped on a transfer that has already been paid or that is in the process of being paid. If you
have instructed us to stop payment on a scheduled transaction at least 3 Business Days before the transaction isscheduled to be made and we do not do so, we will pay for your losses or damages.
If you place a stop payment on recurring transactions from the same originator (payee), we may require that you
confirm, in writing or orally, that you have previously revoked your authorization with the originator (payee). If you
fail to provide us with such confirmation, the bank may debit your account for subsequent transactions initiatedby that originator (payee).

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Contents of Stop Payment Order. You will need to accurately provide:• Your account number;• The date of the scheduled transfer;• The exact amount (dollars and cents); and• The payee’s name.
Please note: If the information is not exactly correct, we may not be able to identify the transaction and a stop
payment may not be effective.
Effective Period of Stop Payment Order. A stop payment order on an ACH transaction is permanent. For
recurring transactions, this means that your stop payment order will be effective as to subsequent withdrawals/
payments initiated by that originator (payee) unless you contact the bank and request that the stop payment
order be removed.
Checks converted to electronic transactions. If you believe a check you have written has been converted to an
ACH transfer and you would like to place a stop payment you should place a stop payment on both the check andalso the ACH transfer. Please contact us by calling the phone number on the back of your Citibank Banking Cardand inform us that you have a check that you believe was converted to an electronic transaction for which you
would like to stop payment.

8.4 Stop (Cancel) Payment Orders (One-time Future Dated ACH Transfers)
You may request that we stop payment (cancel) on a one-time future-dated ACH transfer originated by Citifrom your Account provided we receive your stop payment instruction by 11:59 PM Eastern Time on the day prior
to the scheduled payment date. Payment cannot be stopped on a transfer that has already been paid or thatis in the process of being paid. You will need to accurately provide us with a description of the following: youraccount number; the date of the scheduled transfer; the exact amount (dollar amount and cents) of the transfer;and the name of the payee. If you do not provide us with accurate information and we are unable to identify thetransaction, the stop payment may not be effective.
Please note: We will not be able to place a stop payment on a one-time future dated ACH debit transfer that isoriginated by an external payee and received by Citi. You will need to contact your payee to notify them that you
have revoked your authorization for the transfer.

8.5 Unauthorized Transactions: Notice and Error Resolution Procedures
Notice and Error Resolution Procedures for Lost or Stolen Citibank Banking Cards or
Other Access Devices and Unauthorized Electronic Transactions
If any of your Access Devices are lost or stolen, it is your responsibility to notify us immediately. Please call thenumber on the back of your Citibank Banking Card.
Please remember that your Citibank Banking Card and all of your Access Devices are valuable, and it is importantfor you to exercise care with them. To protect your personal and account information, be sure to keep your PIN
and other Access Devices secure. As a general practice, we recommend that you periodically change your PIN.
Tell us at once if you believe any of your Access Devices, including but not limited to your Citibank Banking Card,
has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission
using information from your check. Telephoning is the best way of keeping your possible losses down. You could
lose all the money in your account (plus your maximum overdraft line of credit). Call CitiPhone Banking® at
1-888-CITIBANK or use the number located in the Contact Us section of this Agreement. For TTY: We accept 711
or other Relay Service. Customer service representatives are available to assist you 24 hours a day, 7 days a week.
If you tell us within two (2) Business Days after you learn of the loss or theft of your Access Device, you can lose no
more than $50 if someone uses your Access Device without your permission, subject to zero liability protection.

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If you do NOT notify us within two (2) Business Days after you learn of the loss or theft of your Access Device, andwe can prove we could have stopped someone from using your Access Device without your permission if you had
told us, you could lose as much as $500, subject to zero liability protection.
Also, if your statement shows transfers that you did not make, including those made by card, code or othermeans, notify us at once. If you do not notify us within sixty (60) days after the statement was mailed to you,
you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped
someone from taking the money if you had informed us in time. If a good reason (such as a long trip or a hospitalstay) kept you from notifying us, we will extend the time periods.
The following additional terms are applicable if the governing state law of your account is that of one of thestates listed below:
California. Within this section, the paragraph above describing liability up to $500 shall not apply.
New York. Within this section, your liability for the unauthorized use of your Citibank Banking Card shall not
exceed $50.
Citibank® Banking Card Zero Liability Protection. If your Citibank Banking Card is used in conjunction with anunauthorized transaction your liability for unauthorized use as described above, will not exceed:
i. $0• If you report the loss or theft of your card promptly upon discovery of such loss or theft;• and you exercised reasonable care in safeguarding your card from the risk of loss or theft;• and the account to which transactions initiated with your card were posted is in good condition; orii. The lesser of $50 or the amount of money, property, labor or services obtained by the unauthorized user
before notification to the bank if all conditions listed in section (i) above have not been met.
Contact in Event of Unauthorized Transfer. If you believe your Access Device has been lost or stolen call:
CitiPhone Banking® at 1-888-CITIBANK or write: Citibank Client Services, P.O. Box 769004, San Antonio, Texas78245-9989. You should also call the number or write to the address listed above if you believe a transfer has
been made using the information from your check without your permission.

8.6 Other Electronic Fund Transfer Errors: Notice and Error Resolution Procedures
Error Resolution and Notice Procedures for other types of Electronic Fund Transfer Errors
If your statement or transaction record is wrong or if you need more information about a transfer listed on yourstatement or record, contact us as soon as possible by calling us at 1-888-Citibank or by writing to us at Client
Research, Citibank Client Services, P.O. Box 769014, San Antonio, Texas 78245-9014.
Please note: If the error concerns an ATM network transaction, be sure to contact Citibank or Citigroup Global
Markets Inc. — depending on the institution holding the account from which you were attempting to withdraw
funds — not the financial institution that operates the machine. We need to hear from you no later than sixty (60)days after we sent the FIRST statement on which the problem or error appeared.
1.

Notify us of your name and account number (if any)

2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it isan error or why you need more information
3. Notify us of the dollar amount of the suspected error.

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If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) BusinessDays. We will determine whether an error occurred within ten (10) Business Days after we hear from you and willcorrect any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate
your complaint or question. If we decide to do this, we will provisionally credit your account within ten (10) Business
Days for the amount you think is in error, so that you will have the use of the money during the time it takes us tocomplete our investigation. For new accounts (where the notice of error involves an electronic funds transfer toor from your account, that occurred within thirty (30) days after the first deposit to the account was made), we
can take up to twenty (20) Business Days to determine whether an error occurred and up to twenty (20) days toprovisionally credit your account for the amount you think is in error. If we need more time, however, we may take up
to ninety (90) days to investigate your complaint or question. For errors involving point-of-sale or foreign- initiatedtransactions, we may also take up to ninety (90) days to investigate your complaint or question.
If we ask you to put your complaint or question in writing and we do not receive it within ten (10) Business Days,
we may not provisionally credit your account.
In any case, we will tell you the results of our investigation within three (3) Business Days after completing ourinvestigation. If we decide that there was no error, we will send you a written explanation. You may ask for copiesof the documents that we used in our investigation.
Credit for an Electronic Fund Transfer is provisional until the Error Resolution process is complete. If we give
you provisional credit, you have full use of the funds while we investigate your claim. This provisional credit isconditional and will either be made permanent or removed, depending on the outcome of our investigation. If
we determine you are responsible for part or all of the Electronic Funds Transfer, you become obligated to us
for that amount.

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9 Other Fund Transfer Services
9.1 Outgoing Wire Transfers
The following terms apply to any wire transfer requests we receive to transfer funds from your account to an
account maintained at another institution. In addition to the information provided here, please refer to theseparate funds transfer agreement governing the terms of service for transfers made using Citi Online or the Citi
Mobile App. Please note that outgoing international transfers from a consumer account are also governed by
special provisions regarding disclosures you receive and error resolution rights as more fully described in section
9.2 Remittance Transfers of this Agreement. Before utilizing our wire transfer services, please read the following
important tips for wire transfer safety.
General Tips for Wire Transfer Safety
Wire transfers are a fast way to send money to individuals and businesses. However, because they are fast
and final they can also be a target for fraud. According to the Federal Bureau of Investigation, the incidents
of wire transfer scams have increased significantly. Common scams include: phishing (attempts to obtain
sensitive information such as account details by posing as a reputable company via email, text, or phone);family emergency (receipt of a message from a friend or family member claiming to be in need of money for an
emergency); and IRS Impostors (fake IRS tax notices or individuals impersonating as IRS agents claiming you
owe taxes). For additional recent and common scams, please visit the Federal Trade Commission web site athttps://www.consumer.ftc.gov/features/scam-alerts.
Your financial security is important to us. We encourage you to take the following steps to reduce your risk of
fraud when sending wire transfers:• Know Who You are Dealing With — Do not send funds to an individual or business you don’t know personally.
• Verify your Wire Transfer Instruction — Check the information you include on a wire transfer instruction to
verify the information is correct.
• Verify the legitimacy of what you are paying for — Independently confirm (whether in-person or through atrusted third-party) the legitimacy of what you are paying for.
• Be Cautious of any Recipient Claiming Urgency — Don’t be rushed into initiating a transfer to anyone claiming
an urgent deadline.
If you believe you may have been a victim of a wire transfer scam, time is of the essence. Please contact Citibank
immediately so that we can attempt to contact the corresponding financial institution that may have received
the fraudulent wire transfer.
Debit Authorization. When we receive a funds transfer request, you authorize us to debit your account for theamount of the transfer and you also authorize us to charge your account any applicable service fees in accordancewith the fee schedule in effect at the time of your request.
Reliance by Citibank. Citibank will rely on the information you provide in making a funds transfer on your behalf.
It is your responsibility to provide Citibank® with accurate information regarding that transfer, including theaccount number of the beneficiary of the funds transfer and where applicable, the number (such as “BIC” or“SORT”) identifying the beneficiary institution; payment will be processed based on the number(s) provided byyou. Should you provide an incorrect account number and/or beneficiary institution identifier, you understandthat any losses resulting from the funds being credited to the wrong account will be your responsibility. Forinternational transfers, you may be required at the time you initiate the request to provide Citibank withinformation regarding the currency in which the beneficiary account is maintained. You understand andacknowledge that Citibank will rely on this information in executing your request.

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Security Procedures. When we receive a request for a funds transfer, we will follow a security procedure
established for your protection and ours to verify that the transfer has been properly authorized. This procedure
depends on the means by which a funds transfer request is received and may entail a telephone call, email, text
or other form of communication. You understand that the security procedure is designed only to verify the sourceof the funds transfer instruction and not to detect errors in the content of that instruction or to prevent duplicate
transfers. You agree to our use of the applicable security procedure and agree to be bound by any funds transfer
request that Citibank receives and verifies in accordance with the security procedure outlined above. You also
understand that the security procedure is not designed to determine whether your funds transfer request isappropriate for you.
Transfer to a Beneficiary Bank. When you request a funds transfer, you must select a financial institution toreceive it. For funds transfers within the U.S., the beneficiary bank must be a member of the Federal Reserve
System, a correspondent bank of such a member, or a Clearing House Interbank Payment System (CHIPS)
member. You may request that the funds either be deposited into a particular account at the beneficiary bankor be held at the beneficiary bank for your beneficiary. The beneficiary bank is responsible for notifying thebeneficiary that the funds are available. After the funds are transferred to the beneficiary bank, they become
the property of the beneficiary bank. The beneficiary bank is responsible to locate, identify, and make payment
to your beneficiary. You understand that payment may be made by the beneficiary bank on the basis of an
identifying or bank account number even if it identifies a person different from the named beneficiary. If thebeneficiary cannot be located, the funds may be returned. Except as may be prohibited by federal law, any losses
resulting from an incorrect account number or other misidentification of your beneficiary provided by you are
your responsibility and not Citibank’s.
Currency of Transfer. Funds Transfers to beneficiaries within the United States are made only in U.S. dollars.
For international transfers, Citibank may ask you to indicate the currency in which the beneficiary account isheld. If you indicate that the account is held in U.S. dollars, your transfer must be made in U.S. dollars. If you
indicate that the account is held in foreign currency (either the local currency of the country where the accountis maintained or another foreign currency offered by Citibank) Citibank will send the transfer in that foreign
currency unless the transfer in foreign currency is prohibited by local restrictions of the destination country.
If you indicate you do not know the currency in which the beneficiary account is held, you can choose to send
the transfer in U.S. dollars or in one of the foreign currency options provided by Citibank at the time of thetransfer request. You understand that Citibank has the right to rely on your statement as to the currency of thebeneficiary account and that it will not be responsible for any error in the information it provides you concerning
the applicable exchange rate and the amount of funds to be received by the beneficiary should your statement
be incorrect and a currency conversion occurs after Citibank sends your transfer. For transfers in foreign currency,
Citibank will convert your U.S. dollar payment to the foreign currency selected by you at Citibank’s exchange
rate in effect at that time for similar transactions. The exchange rate includes a commission to Citibank forexchanging the currency. Information regarding the applicable exchange rate will be provided to you at the time
you initiate the transfer request. In addition, in the case of transfers into your account which are sent in foreign
currencies, we will convert the funds into U.S dollars at our current conversion rate. Our conversion rate for bothoutgoing and incoming foreign fund transfers includes a commission for the conversion service.
Delays or Non-Execution of Funds Transfers. We will not be liable for any delay or failure to execute your funds
transfer request or delay in making the funds available to the beneficiary due to circumstances beyond thecontrol of Citibank or any intermediary or beneficiary bank handling the transfer including, without limitation,
any inaccuracy, interruption, delay in transmission, or failure in the means of transmission of your funds transfer
request or execution of such request by the bank, whether caused by strikes, power failures, equipment
malfunctions, or delays caused by one or more of the institution’s fraud screening procedures or compliance
procedures for anti-money laundering, economic sanctions or similar laws. You further agree that we may refuse
to process or delay processing any request if it would violate any guideline, rule, policy, or regulation of any
government authority or funds transfer system.

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Rejection of a Funds Transfer Request. We reserve the right to reject your funds transfer request without cause
or prior notice. We may reject your request if the dollar value of one or more of your transfer requests exceed yourdaily transfer limit, if you have insufficient available funds in your account for the amount of the funds transfer
and applicable fee, if the information you provide in connection with that transfer is incomplete or unclear, if weare unable to confirm the identity or authority of the person providing the request, or if we are unable to fulfill
your request for any other reason. For international transfers you understand we are required by U.S. regulations
to provide you with certain information about your transfer request and if we are unable to provide you with that
information at the time of your transfer request for any reason, we will need to reject your request. If we reject arequest for a funds transfer, you will be notified of the rejection at the time of your request or as soon thereafter
as we determine to reject the transfer request.
Cancellation/Amendment of Domestic Funds Transfer Request. You may cancel or amend a funds transfer
request (including a consumer international transfer not cancelled or amended in accordance with the special
rules described in the section 9.2 Remittance Transfers) only if we receive your request prior to the execution of
the funds transfer request and at a time that provides us with a reasonable opportunity to act upon that request.
If your funds transfer request has already been executed by Citibank, you understand and agree that the request
to cancel or amend the funds transfer will be effective with the voluntary consent of Citibank and the beneficiarybank. Citibank will first have to check with the beneficiary bank to determine whether or not the beneficiary bankwill return your funds. If the beneficiary bank confirms that the funds are returnable and the funds are returned to
Citibank, Citibank will return the funds to you. The amount that is returned to you may be less than you originallytransferred because of service charges of the beneficiary bank and/or Citibank. Your returned funds will be in U.S.
dollars. If your funds transfer was in foreign currency, your returned funds will be in U.S. dollars at the exchange
rate established by Citibank on the date of return. Citibank shall not be liable to you for any loss resulting from thefailure of the beneficiary bank to accept a cancellation or amendment of your funds transfer request.
Please note: If your transfer is returned by the beneficiary bank to Citibank, an amendment request cannot
be accepted and as a result, the funds will automatically be credited back to your account less any applicable
service charges. If your transfer was in foreign currency, Citibank will convert your returned funds in U.S. dollars
to the foreign currency selected by you at Citibank’s exchange rate in effect at that time for similar transactions.
Applicable to claims or questions with respect to Domestic Wire Transfers. You have the responsibility to let
us know of any error, delay or other problem with your funds transfer within thirty (30) days from the date you
receive notification that we have transferred the funds. In the event that your transfer was delayed or erroneously
executed as a result of erroneous information you provided, you understand that you may be responsible for theamount of that transfer and any associated fees. If your transfer was delayed or erroneously executed as a resultof Citibank’s error, Citibank’s sole obligation to you is to pay or refund such amounts as may be required under
the Uniform Commercial Code Article 4A or by other applicable law. Any claim for interest payable by us shall be
at our published savings account rate in effect within the state of the home financial center of the account fromwhich the funds transfer was made.
Limitation of Liability. Citibank shall not be responsible for any incidental or consequential damages or
expenses arising in connection with your funds transfer.
Applicable to claims or questions with respect to Consumer International Transfers. Please refer to section 9.2
Remittance Transfers for a description of your error resolution rights.

629.2 Remittance Transfers
Remittance transfers are outgoing international wire transfers or international Citibank Global Transfers
initiated from a consumer account in the U.S. to a beneficiary outside the U.S. and its territories. When you
send a remittance transfer, you will be provided with a disclosure describing your transaction details and are an
explanation regarding additional rights you are entitled to under federal regulation. The following summarizes
your right to cancel/amend your remittance transfer request as well as your right to assert a claim or make aninquiry regarding your remittance transfer:
Cancellation/Amendment of Remittance Transfer Request. Remittance transfer requests may be cancelled
for a full refund or amended provided you cancel or amend your request within thirty (30) minutes of ourreceipt of your authorizing payment for the transfer unless the funds have been picked up or deposited. If you
request a cancellation or amendment after this thirty (30) minute period, the provisions under the paragraph“Cancellation/Amendment of Domestic Funds Transfer Request” will apply.
To cancel a Consumer International Citibank Global Transfer, please call 1-866-515-1725 (TTY: We accept 711
or other Relay Service), sign into Citi Online or the Citi Mobile App. When cancelling by phone, you will need toprovide us with information to help identify the funds transfer you wish to cancel, including the amount andlocation where the funds were to be sent. Any refund will be made no later than three business days of yourrequest to cancel.
To cancel a Consumer International Wire Transfer, please call 1-888-606-9716 (TTY: We accept 711 or other
Relay Service) and for Citi Online initiated wire transfers, you can cancel online. When cancelling by phone, youwill need to provide us with information to help us identify the funds transfer you wish to cancel, including theamount and location where the funds were to be sent. Any refund will be made no later than three business daysof your request to cancel.
Error Resolution Procedures: Remittance Transfers
If you think there has been an error or you need more information about your transfer, you must contact Citibank(International Global Transfer: 1-866-515-1725 (TTY: We accept 711 or other Relay Service); International Wire
Transfer: 1-888-606-9716 (TTY: We accept 711 or other Relay Service) or write to Client Research, Citibank Client
Services, P.O. Box 769014, San Antonio, TX 78245-9014) within one hundred and eighty (180) days of the dateindicated by Citibank that the funds would be available to the beneficiary of that transfer. At that time, you may
be asked to provide the following information: 1) your name, address, and account number; 2) the name of theperson receiving the funds, and if you know it, his or her telephone number or address; 3) the dollar amount of
the transfer; 4) the reference code for the transfer; and 5) a description of the error or why you need additional
information. We may also ask you to select a choice of remedy (credit to your account in an amount necessary toresolve the error or alternatively, a resend of the transfer for those cases where bank error is found). Citibank will
determine whether an error has occurred within ninety (90) days after you contact the bank.
If Citibank determines that an error has occurred, we will promptly correct that error in accordance with theremedy option(s) available to you. In all cases, we will provide you with a written explanation of the results of ourinvestigation. You may also ask for copies of the documents we used in our investigation.

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10 Additional Important Terms and Information
10.1 Legal Process
Regardless of where or how we are served, we may comply with any state or federal legal process, including,
without limitation, any writ of attachment, adverse claim, execution, garnishment, tax levy, restraining order,
subpoena or warrant relating to you or your account which we believe to be valid. You agree that we may honor
legal process that is served personally, by mail, or by facsimile transmission at any of our offices (including
locations other than where the funds, records or property sought is held), even if the law requires personaldelivery at the office where your account or records are maintained. You agree that we will have no liability to you
for honoring any such legal process. You also agree that we will have no obligation to assert on your behalf any
applicable exemptions to execution or attachment under any applicable state or federal law. We will also haveand may enforce a right of setoff and security interest against any of your accounts in order to reimburse us for
our fees and expenses, including attorneys’ fees, court costs and expenses, in complying with legal process.
We may comply with process we deem appropriate even if it appears to affect the interest of only one owner ofa joint account. We may refuse to permit withdrawals or transfers from your account until such legal process
is satisfied or dismissed even if such action results in insufficient funds to pay a check you have written orotherwise satisfy an obligation you may have incurred.
Accounts opened with trust or fiduciary designations (e.g., “XYZ, Inc. client trust account”) may be subject tolegal process unless our records contain an express written trust or court order that provides otherwise.
Upon receipt of any legal process, you will be liable to us for our processing fee, and reimbursement for our record
research, reproduction and handling costs. We may deduct such fee, as well as any expenses, including, without
limitation, attorneys’ fees in connection with any such document or legal process, from your account or any otheraccount you may have with us without prior notice to you, or we may bill you directly for such expenses and fees.
You agree to release and indemnify, defend and hold us harmless from all actions, claims, liabilities, losses,
costs and damages including, without limitation, attorneys’ fees, associated with our compliance with any legal
process we believe to be valid
When we receive an order instructing us to restrict access to funds in an account, we may remove the funds fromthe account and maintain them separately. These funds will not earn interest and will not be considered as partof your combined balances when we determine account fees and rates.

10.2 Security Interest
You grant us a security interest in your account for amounts owing to us under this Agreement by any owner.
This provision does not apply to IRA accounts or other tax-qualified retirement accounts or where otherwise
prohibited by law.

10.3 Right of Setoff
Subject to applicable law, we may exercise our right of setoff against any or all of your accounts (except IRA,
money purchase plan or profit sharing plan, and certain trust accounts) without notice, for any liability or debt
of any owner or beneficial owner, whether joint or individual, direct or contingent, now or hereafter existing,
and whether arising from our fees or charges, overdrafts, endorsements, guarantees, loans, attachments,
garnishments, levies, attorneys’ fees, or other obligations. If an account is a joint or multiple-party account, eachjoint or multiple-party account owner authorizes us to exercise our right of setoff against any and all accounts ofeach account owner.

64

You also agree to allow us to apply any subsequently credited deposit made to your account against any
overdrafts and against any fees and charges or other obligations owed us in whichever order we determine. You
acknowledge and agree that if you do not want your electronically deposited benefits applied in this way, youhave the option of changing your direct deposit instructions by providing notice to the benefits payor at any time.

10.4 Indemnification
Except as otherwise set forth in this Agreement, you agree to indemnify, defend and hold us harmless from all
claims, actions, proceedings, fines, costs and expenses (including, without limitation, attorney fees) related to or
arising out of: (a) your actions and omissions in connection with your accounts or our services, and (b) our actions
and omissions, provided that they are taken/omitted in accordance with this Agreement or your instructions.
This provision shall survive the termination of this Agreement.

10.5 Limitation on Time to Sue or Arbitrate
Unless otherwise required by law, an action, proceeding or arbitration by you to enforce an obligation, duty
or right arising under this Agreement or by law with respect to your account or any account service must becommenced within one (1) year after the cause of action accrues (two (2) years if the governing state law of youraccount is Texas).

10.6 Limitation of Liability
Except as otherwise required by law, we are not liable to you for any claim, cost, loss or damage caused by an eventthat is beyond our reasonable control. In particular, we are not liable to you if circumstances beyond our reasonable
control prevent us from, or delay us in, performing our obligations for a service, including acting on a payment order,
crediting a funds transfer to your account, processing a transaction or crediting your account. Circumstances
beyond our reasonable control include, but are not limited to, natural disasters such as a tornado, hurricane,
earthquake or flood, emergency conditions, such as a war, terrorist attack, riot, fire, theft or labor dispute; a legal
constraint or governmental action or inaction; the breakdown or failure of our equipment for any reason, including
a loss of electric power, the breakdown of any private or common carrier communication or transmission facilities,
any time-sharing supplier or any mail or courier service; the potential violation of any guideline, rule or regulationof any government authority; suspension of payments by another bank; or your act, omission, negligence or fault.
We will never be liable for special, incidental, exemplary, punitive or consequential losses or damages of any kind
resulting from the conditions stated in this Limitation of Liability.
In connection with any transaction or service provided under this Agreement, IN NO EVENT WILL EITHER YOU
OR THE BANK, OR ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO THE OTHERPARTY FOR ANY SPECIAL, CONSEQUENTIAL, INDIRECT OR PUNITIVE DAMAGES, WHETHER ANY CLAIM
IS BASED ON CONTRACT, STATUTE, OR TORT, OR WHETHER THE LIKELIHOOD OF SUCH DAMAGES WASKNOWN TO ANY PARTY. The foregoing limitation of liability will not apply where expressly prohibited by the laws
governing your account.

10.7 Citibank Affiliates
Citibank, N.A. affiliates referred to in this Agreement include, but are not limited to:
Citigroup Global Markets Inc. (CGMI), member SIPC, is an investment advisor and broker- dealer registered with
the Securities and Exchange Commission. CGMI and Citibank are affiliated companies under the common controlof Citigroup Inc. CGMI offers investment products and services, including through the following lines of business:
Citi Personal Wealth Management is a business of Citigroup Inc., which offers investment products throughCitigroup Global Markets Inc. (“CGMI”), member SIPC. CGMI and Citibank, N.A. are affiliated companies under
the common control of Citigroup Inc.

65

The Arbitration section of the Client Manual and Marketplace Addendum (CMMA) is
identical to the Arbitration section of the Consumer Deposit Account Agreement (CMA). If
you previously opted out of arbitration under the CMMA, you are opted out of arbitration in
the CMA. Customers who did not opt out of Arbitration in the CMMA at the time they opened
their account are ineligible to opt out of Arbitration for their existing accounts. Unless you
have previously opted out, all agreements to arbitrate between you and Citibank remain in
full force and effect.

11 Arbitration
PLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY.
THIS SECTION PROVIDES THAT DISPUTES MAY BE RESOLVED BY BINDING ARBITRATION. ARBITRATIONREPLACES THE RIGHT TO GO TO COURT, HAVE A JURY TRIAL OR INITIATE OR PARTICIPATE IN A CLASSACTION. IN ARBITRATION, DISPUTES ARE RESOLVED BY AN ARBITRATOR, NOT A JUDGE OR JURY.
ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN IN COURT. THIS ARBITRATIONPROVISION IS GOVERNED BY THE FEDERAL ARBITRATION ACT (FAA), AND SHALL BE INTERPRETED IN THE
BROADEST WAY THE LAW WILL ALLOW.
Covered Disputes
You or we may arbitrate any claims, dispute or controversy between you and us arising out of or related to youraccount(s), a previous related account or our relationship (called “Disputes”).
If arbitration is chosen by any party, neither you nor we will have the right to litigate that Dispute in court orhave a jury trial on that Dispute.
Except as stated below, all Disputes are subject to arbitration no matter what legal theory they are based on orwhat remedy (damages, or injunctive or declaratory relief) they seek, including claims based on contract, tort(including intentional tort), fraud, agency, your or our negligence, statutory or regulatory provisions, or any othersources of law; claims made as counterclaims, cross-claims, third party claims, interpleaders or otherwise;
claims made regarding past, present or future conduct; and claims made independently or with other claims.
Disputes include any unresolved claims concerning any services relating to such account, including without
limitation, safe deposit box services, wire transfer services, and use of a Citibank Banking Card or Citibank
Banking Card displaying the MasterCard® Brand Mark. This also includes claims made by or against anyone
connected with us or you or claiming through us or you, or by someone making a claim through us or you, suchas a joint account owner, account beneficiary, employee, agent, representative, predecessor or successor, heir,
assignee, trustee in bankruptcy, or an affiliated/parent/subsidiary company. A party who initiates a proceeding incourt may elect arbitration with respect to any dispute advanced in that proceeding by any other party. Disputes
include claims made as part of a class action or other representative action, it being expressly understood andagreed to that the arbitration of such claims must proceed on an individual (non-class, non-representative)
basis. Disputes also include claims relating to the enforceability or interpretation of any of these arbitration
provisions. Any questions about whether Disputes are subject to arbitration shall be resolved by interpreting thisarbitration provision in the broadest way the law will allow it to be enforced.

66

Arbitration Limits. Individual Disputes filed in a small claims court are not subject to arbitration, as long as thematter stays in small claims court.
We won’t initiate arbitration to collect a debt from you unless you choose to arbitrate or assert a Dispute against
us. If you assert a Dispute against us, we can choose to arbitrate, including actions to collect a debt from you.
You may arbitrate on an individual basis Disputes brought against you, including Disputes to collect a debt.
Disputes brought as part of a class action, private attorney general or other representative action can bearbitrated only on an individual basis. The arbitrator has no authority to arbitrate any claim on a class or
representative basis and may award relief only on an individual basis. If arbitration is chosen by any party, neither
you nor we may pursue a Dispute as part of a class action or other representative action. Disputes of 2 or more
persons may not be combined in the same arbitration. However, joint account owners, account beneficiaries,
agents, representatives, heirs, or a trustee in a bankruptcy on your account and/or related accounts, or corporate
affiliates are here considered as one person.
How Arbitration Works. Arbitration shall be conducted by the American Arbitration Association (“AAA”)
according to this arbitration provision and the applicable AAA arbitration rules in effect when the Dispute is filed(“AAA Rules”), except where those rules conflict with this arbitration provision. You can obtain a copy of the
AAA Rules at the AAA’s website (adr.org) or by calling 1-800-778-7879. You or we may choose to have a hearing,appear at any hearing by phone or other electronic means, and/or be represented by counsel. Any in-person
hearing will be held in the same city as the U.S. District Court closest to your home address.
Arbitration may be requested at any time, even when there is a pending lawsuit, unless a trial has begun or a
final judgment entered. Neither you nor we waive the right to arbitrate by filing or serving a complaint, answer,
counterclaim, motion or discovery in a court lawsuit. To choose arbitration, a party may file a motion to compel
arbitration in a pending matter and/or commence arbitration by submitting the required AAA forms andrequisite filing fees to the AAA.
The arbitration shall be decided by a single arbitrator in accord with this arbitration provision and the AAA Rules,
which may limit discovery. The arbitrator shall not apply any federal or state rules of civil procedure or discovery,
but the arbitrator shall honor claims of privilege recognized at law, and shall take reasonable steps to protect
account information and other confidential information of either party if requested to do so. The arbitrator
shall apply applicable substantive law consistent with the FAA and applicable statute of limitations, and award
damages or other relief under applicable law.
The arbitrator shall make any award in writing and, if requested by you or us, may provide a brief statement of thereasons for the award. An arbitration award shall decide the rights and obligations only of the parties named in
the arbitration, and shall not have any bearing on any other person or dispute.
Paying for Arbitration Fees. We’ll pay your share of the arbitration fee for an arbitration of Disputes of $74,000
or less if they are unrelated to debt collection. Otherwise, arbitration fees will be allocated according to theapplicable AAA Rules. If we prevail, we may not recover our arbitration fees, unless the arbitrator decides
your Dispute was frivolous. All parties are responsible for their own attorney’s fees, expert fees and any otherexpenses, unless the arbitrator awards such fees or expenses to you or us based on applicable law.
The Final Award. Any award by an arbitrator is final unless a party appeals it in writing to the AAA within 30
days of notice of the award. The arbitration appeal shall be determined by a panel of 3 arbitrators. The panel willconsider all facts and legal issues anew based on the same evidence presented in the prior arbitration, and will
make decisions based on a majority vote. Arbitration fees for the arbitration appeal shall be allocated according
to the applicable AAA Rules. An award by a panel on appeal is final. A final award is subject to judicial review asprovided by applicable law

67

Right to Resort to Provisional Remedies Preserved. Nothing herein shall be deemed to limit or constrain ourright to resort to self-help remedies, such as the right of setoff or the right to restrain funds in an account, tointerplead funds in the event of a Dispute, to exercise any security interest or lien we may hold in property,
or to comply with legal process, or to obtain provisional remedies such as injunctive relief, attachment, or
garnishment by a court having appropriate jurisdiction; provided, however, that you or we may elect to arbitrate
any Dispute related to such provisional remedies.
Survival and Severability of Terms. These arbitration provisions shall survive changes in this Agreement andtermination of the account or the relationship between you and us, including the bankruptcy of any party andany sale of your account, or amounts owed on your account, to another person or entity.
If any part of this arbitration provision is deemed invalid or unenforceable, the other terms shall remain in force,
except that there can be no arbitration of a class or representative Dispute. This arbitration provision may not be
amended, severed or waived, except as provided in this Agreement or in a written agreement between you and us.
Rules for Rejecting This Arbitration Provision. You may reject this arbitration provision by sending a written
rejection notice to us at: 100 Citibank Drive, Attn: Arbitration Opt Out, San Antonio, TX 78245. Your rejection
notice must be mailed within 45 days of account opening. Your rejection notice must state that you reject thearbitration provision and include your name, address, account number and personal signature. No one else may
sign the rejection notice. Your rejection notice will not apply to the arbitration provision(s) governing any otheraccount(s) that you have or had with us. Rejection of this arbitration provision won’t affect your other rights or
responsibilities under this Agreement, including use of the account.

68Appendix 1: Fee Schedule
The following Checkbook Order Fee, Safe Deposit Fee, Fee Chart, and Wire Transfer Fee Chart are known as
the “Fee Schedule.” Unless otherwise stated, all fees described in the Fee Schedule are charged to the accountassociated with the product or service.
Checkbook Orders. Fees will be charged for standard and Non-Standard checkbook orders. “Non-Standard
Checkbook Orders” include non-standard design, non-standard lettering, nonstandard cover and non-standard
logos. Standard checkbook order fees are waived for accounts in the Citi Priority, Citigold, and Citigold Private
Client Relationship Tiers at the time standard checkbooks are ordered. Non-Standard Checkbook Order fees arewaived for accounts in the Citigold Private Client Relationship Tier.
Safe Deposit Box fees. Pricing varies per size per location. Please refer to your Safe Deposit Box Agreement for
applicable fees. Sales tax may be assessed depending on your box location. If applicable, please refer to drilling
fees and lost/replacement keys disclosed at the time of service.

Safe Deposit Box Fee Chart
Safe Deposit Box Fee Chart Annual Rental Fee
Refer to your Safe Deposit Box Agreement, but
generally:

Citi Priority

Citigold®

Citigold® Private
Client$0-$125

WaivedWaivedWaived$126 - $250

$125 off annual
rental fee$125 off annual
rental fee$125 off annual
rental fee$251 +

50% off annual
rental fee

50% off annual
rental fee

50% off annual
rental fee

Payment. At the time you open a Safe Deposit Box, the first-year rental fee must be paid by cash or check or as a
one-time debit from a chosen transaction account. At renewal, the annual rental fee will be paid either via direct
debit authorized by executing a direct Debit Authorization Form or by paying with cash or check in a branch.
Customers who open a new Safe Deposit Box must own a Checking account or a Savings account and arrange
for annual rental fee payments by executing a Direct Debit Authorization Form (“Direct Debit”). Pursuant to yourrenewal notice, a late fee may apply if you do not pay your Safe Deposit Box fees timely.
Relationship Tier benefit. Customers in a Relationship Tier who also own a Checking account or a Savings
account at the time they are billed for a Safe Deposit Box are eligible for a fee waiver or reduced fee as describedin the Safe Deposit Box Fee Chart. Please note Citi reviews Relationship Tier status at the time of billing and
not at the time of the renewal date of the Safe Deposit Box. Customers are eligible for one Safe Deposit Box fee
waiver or reduced fee per calendar year. Customers who own multiple Safe Deposit Boxes are not eligible formultiple fee waivers or multiple reduced fees.
Direct Debit benefit. Deposit customers who own a Checking account or a Savings account, but do not qualify fora waiver or reduced fee based on their Relationship Tier, may be eligible for a 10% Safe Deposit Box fee discount if
they pay their Safe Deposit Box Fee with a Direct Debit.

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Fee Chart
Account Fee When inStandard Fee

Citi Priority

Citigold®

Citigold®
Private Client

Clerical Research (per hour, one-hourminimum)$25.00$25.00$25.00$25.00

Collection of Checks Drawn on
Foreign Bank
Additional fees may apply as a result offees charged for collection of the item byother institutions.

$30.00$30.00$30.00$30.00

Expedited Domestic Delivery of
Replacement Debit Card
May appear on your bank statement as:
Expedited Card Fee$6.00

WaivedWaivedWaivedForeign Currency Exchange Fee — Under$1,000
May appear on your bank statement as:
Foreign Currency Fee$5.00

WaivedWaivedWaived3%

WaivedWaivedWaivedLegal Process per service

$125

$125

$125

$125

Money Order for Customers$5.00

WaivedWaivedWaivedOfficial Check$10.00

WaivedWaivedWaivedStop Payment Request
Fee applies on Personal Checks, Official
Checks, and Money Orders$30.00

WaivedWaivedWaivedAccount Fee Description

Foreign Exchange Fee
We will apply a foreign exchange fee
equal to 3% of the transaction amount(including credit and reversals) for eachinternational debit card purchase or ATM
withdrawal transaction (including thoseat Proprietary Citibank ATMs) made in acurrency other than U.S. Dollars when
the transaction is conducted outside the
50 United States and its territories.
May appear on your bank statement as:
Foreign Transaction Fee

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Wire Transfer Fee Chart
The fees listed refer only to fees charged by Citibank and is not a representation of potential fees imposed byother banks. Please refer to the documentation provided at the time of your transaction for information regarding
applicable fees.
Standard Fee

Citi Priority

Citigold®

Citigold®
Private Client

Wire Transfer — Incoming Domestic andInternational
This fee will be described on your bankstatement as: Service Charges Incoming
Wire Fee.

$15.00

WaivedWaivedWaivedWire Transfer — Outgoing Online Domestic“Online” refers to self-service wires sent
via Citi Online or Citi Mobile.
This fee will be described on your bankstatement as: Fee for Domestic Funds
Transfer.

$25.00$17.50

WaivedWaivedWire Transfer — Outgoing Domestic —Other Channels“Other Channels” refers to wire transfers
initiated through a branch or assisted bya banker.

$35.00$35.00$35.00

WaivedWire Transfer — Outgoing Online
International (U.S. Dollars)“Online” refers to self-service wires sent
via Citi Online or Citi Mobile.

$35.00$25.00

WaivedWaivedWire Transfer — Outgoing Online
International (Foreign Currency)“Online” refers to self-service wires sent
via Citi Online or Citi Mobile.
The wire transfer fee will be waived forclients who wire funds in foreign currency
using Citi Online or Citi Mobile.

WaivedWaivedWaivedWaivedOutgoing International — Other Channels“Other Channels” refers to wire transfers
initiated through a branch or assisted bya banker.

$45.00$45.00$45.00

WaivedWire Transfer Fee Description

71Appendix 2: Funds Availability at Citibank
This section will help you determine when deposits to your Checking accounts and Savings account(s) will beavailable for withdrawal.
Please note that the availability of deposits made via the Mobile Check Deposit service is described separately inthe agreement governing that service.
Our General Policy. Our general policy is to make funds from any type of check deposit available to you no later
than the first Business Day after the day of your deposit. This includes government checks, cashier’s checks andother special types of checks described below. Cash deposits with a teller or at a Proprietary Citibank ATM aregenerally available immediately on the same Business Day your deposit is received. Wire transfers and electronic
direct deposits are also generally available on the same Business Day your deposit is received.
Once funds are available, you may withdraw the funds in cash or use them to pay checks and other items. In
some cases, we may place longer delays on your deposit which means you will have to wait a few additional days
before being able to use the funds. If we decide to place a longer delay at the time you make a deposit, you will
be provided a notice that lets you know when your funds will become available to you. If your deposit is not madewith a teller, or we decide to take this action after you have made your deposit, we will send a notice to you by thenext Business Day. Please refer to Longer Delays May Apply for a description of these longer delays.
Determining the Date of Deposit. The day funds become available is determined by counting Business Days
from the day of your deposit. Every day is a Business Day except Saturdays, Sundays, and federal holidays. If you
make a deposit before our established cutoff time on a Business Day that we are open, we will consider that day
to be the day of deposit. However, if you make a deposit after our cutoff time or on a non-business day, we willconsider the next Business Day we are open to be the day your deposit is received.
• Deposits made in person with a teller before the end of the Business Day are considered received that day. The
end of Business Day is posted at each branch and may vary by branch location.
• Deposits made at Proprietary Citibank ATMs and Network (non-Citibank) ATM facilities before 10:30pm
Eastern Time (9:30 PM Central Time) are considered received that day. Deposits made at a night depository are
considered received by Citibank when the deposit is removed from the night depository, which will be no later
than the next Business Day.
• Check deposits by mail. A check deposit received by mail is considered received on the day we receive it at the
mail facility designated below. Check deposits made by mail and addressed to any other Citibank address will
be forwarded to the designated facility for processing and will be considered received on the date the deposit isreceived by this facility.

72

For regular mail:For overnight mail:

Citibank

Citibank

Check Ops – Bank by Mail

Check Ops – Bank by Mail

P.O. Box 769009

100 Citibank Drive Bldg 3

San Antonio, TX 78245

San Antonio, TX 78245

Government Checks, Cashier’s Checks and Other Special Types of Checks. Funds from the following types ofchecks are available no later than the first Business Day after the day we receive your deposit:• U.S. Treasury Checks, Federal Reserve Bank checks, Federal Home Loan Bank checks;• Checks issued by a U.S. state or by the general purpose units of U.S. local governments;• U.S. postal money orders;• Cashier’s checks, teller’s checks, certified checks, and travelers checks;• Checks drawn on a Citibank, N.A. U.S. branch.
Longer Delays May Apply
In some cases, we may not make all of the funds that you deposit by check (excluding the special types ofchecks described above) available by the first Business Day after the day of your deposit. Should this occur,
you will be provided with a notice describing when the funds will be available at the time of your deposit.
If your deposit is not made directly with a teller or we decide to take this action after you complete yourdeposit, we will send you a notice by the next Business Day. If you will need the funds from a deposit rightaway, you should ask us when the funds will be available. Depending on the total amount of your checkdeposits on any one day, the deposit amount may not become fully available to you until the fourth BusinessDay after the day of the deposit as follows:
Total deposit amounts up to $5,525
Funds from all check deposits on any one day that total $5,525 or less will be available on the third Business Day
after the day of deposit. The first $225 of these check deposits will be available on the first Business Day after
the day of deposit, an additional $450 will be available on the second Business Day after the day of deposit andthe remainder of the deposit will be available on the third Business Day after the day of deposit.
Large dollar deposits greater than $5,525
If the total of your check deposits on any one day is greater than $5,525, the amount in excess of $5,525 will beavailable on the fourth Business Day after the day of deposit.

Example• If you deposit a check (or multiple checks on any given day) that total(s) $10,000• The first $225 of your deposit will be available on the first Business Day after the day of deposit• An additional $450 will be available on the second Business Day• An additional $4,850 will be available on the third Business Day• The remaining $ 4,475 will be available on the fourth Business Day

We may also delay the full amount of your check deposits for a longer period (up to 7 Business Days) under
the following circumstances:• Doubt of collectability-If we have reason to believe the check you have deposited will not be paid; we may
delay availability of the funds represented by that check up to 7 Business Days. Should this occur, we will send
you a deposit hold notice no later than the next Business Day after we decide to take this action.
• Emergency Situations- If we are unable to conduct business due to an interruption of communications,computer equipment facilities or other emergency conditions beyond our control such as the impact of anatural disaster, we may delay the availability of your deposited check up to 7 Business Days.

73

Special Rules for New Clients. You are considered a new client if you have not had an account at Citibank forat least 30 days prior to your opening one. For the first 30 days your new account is open, the following special
rules apply.
You will be entitled to the availability described above for:• Incoming wire transfers and electronic direct deposits;• Cash;• Government checks, Cashier’s checks, and other special types of checks (as defined above);• For all other check deposits, your funds will be available on the 5th Business Day after the day of deposit.
Collection Items. We may require that a check received for deposit be sent out for collection. This may occur,for example, if the check is drawn on an institution outside the United States. We will make the funds available
to you after we receive payment from the bank on which the check is drawn. A service fee will generally apply.
Please refer to the Fee Schedule.
Holds on Other Funds. If we cash a check that is drawn on another bank, we may withhold the availability of acorresponding amount already in your account. Those funds will be made available on the day they would havebeen available if you had deposited the check.
Our Right of Chargeback. The availability of funds from checks that you deposit will not affect your obligation
to repay Citibank for any check that you deposit that is not paid nor does it affect our right to charge back youraccount for any check that is not paid.
Changes to Our Policy. We will notify you of any change(s) to our funds availability policies as required byapplicable law.

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Appendix 3: Discontinued Products, Services and Features
As of the Discontinued Dates, customers cannot apply to open new accounts (or enroll, as applicable) in thefollowing products, services, and features:
Discontinued Products, Services, and Features“Discontinued Date”

Citigold Account Package, Citi Priority Account Package, Citibank Account Package,
Basic Account Package, Access Account Package. To see disclosures for thesepackages, please review the Client Manual – Consumer Accounts and Marketplace
Addendum at citi.com/accountagreementsandnotices.

August 21, 2023

Consular Verification Letters

August 21, 2023

Citi ElevateSM Account Package. Refer to disclosures below.

July 18, 2022

Interest Checking. Refer to disclosures below.

July 18, 2022

Citigold Interest Checking. Refer to disclosures below.

July 18, 2022

Citibank Savings Plus
The below accounts were converted to the Citibank Savings Plus account on thestated Discontinued Date

July 23, 2017

Money Market Plus

April 15, 2022

Ultimate Savings

April 15, 2022

Preferred Money Market

April 15, 2022

Insured Money Market

April 15, 2022

Day-to-Day Savings in Citi Private Bank, Citigold, Citigold Private Client, Citi
Priority, Citibank Account, and Access Account Packages

May 4, 2022

Day-to-Day Savings in Basic Banking Package in all states except New YorkMay 5, 2022

Day-to-Day Savings in Basic Banking Package in New York state only

May 6, 2022

Citibank® Student Account Package

January 16, 201675

Citibank Savings Plus accounts
Features

The Citibank Savings Plus account offers check writing and access to funds via an ATM
card. The Citibank Savings Plus account does not have any limitations on the number ofwithdrawals you make in your account, including the number of check transactions.

Fees

The Citibank Savings Plus account has a $4.50 Monthly Service Fee and $2.50 Non-Citi
ATM Fee.
The Monthly Service Fee of $4.50 is waived if:
1.

the account has an Average Monthly Balance of $500 or more in that account, or

2. at least one owner of the account also owns a Checking account, or
3. any account owner is in the Citigold Private Client, Citigold or Citi Priority
Relationship Tier.
Please refer to Appendix 1: Fee Schedule of this Agreement.
There is no minimum balance required to maintain a Citibank Savings Plus account.

APYs andInterest
Rates

Annual Percentage Yields and interest rates for the Citibank Savings Plus account arevariable, determined by Citibank at its sole discretion and can change at any time without
notice. This may affect the actual amount of interest earned. Please refer to your applicablerate sheet. For current Annual Percentage Yields and interest rates, please log in to Citi Online
or the Citi Mobile App or speak to a banker in a branch or by calling the phone number on theback of your Citibank Banking Card.
Please refer to section 5.4.6 Rate Information and Interest Calculation for Savings accountsof this Agreement for additional APY and interest rate information.

76

Appendix 4: Definitions
When used in this Agreement:“Access Device” means a card or code, or other means of identification and authentication, used to access youraccount. In this Agreement, it means your “Citibank Banking Card” including your Citibank® ATM Card, Citibank®
Debit Card, or other type of device issued by Citibank along with or in lieu of your Citibank Banking Card. It also
includes these account access codes: your Personal Identification Number (PIN), your Telephone Access Code(“TAC”), one time password (OTP) and the User ID and password you use to access Citi Online and CitiMobile.
• “Citibank ATM Card” means a Citibank® Banking Card that may be used at ATMs and at POS merchants for
PIN purchases. (For more information, please refer to section 8 Electronic Fund Transfers.)• “Citibank Banking Card” means any card that may be used at ATMs and at POS merchants, including Citibank
ATM cards and Citibank® Debit Cards. We may also refer to this card as a Citibank Card or a Citi Card inpromotional and other materials.
• “Citibank® Debit Card” means a Citibank Banking Card bearing a Mastercard Brand Mark on its face that may
be used at POS merchants to make purchases and at ATMs to withdraw cash and perform other transactions.
Certain Citibank Banking Cards also display a contactless symbol indicating you may use your card to make acontactless payment to a participating merchant by tapping your card on the payment reader.
Your “Available Now” balance is the total amount you can use for withdrawals and transfer right now. The
Available Now amount may be less than the On Deposit balance as it doesn’t include the transactions thatare still pending and haven’t been posted to your Account. For example, recent incoming funds transfers fromexternal banks may not be included in your Available Now balance.
“Automated Clearing House Network” (“ACH Network”) means an electronic funds transfer system governedby the rules of a clearing house association, such as NACHA (National Automated Clearing House Association) or
The Clearing House, that provides funds transfer services to participating financial institutions.
“Automated Clearing House debits” (“ACH debits”) are received electronically through a merchant you have
instructed to bill your checking account i.e., for your utility or phone bill.
“Average Monthly Balance” is the summation of the End of Day Available Now balances for an account across acalendar month divided by the number of days in that month.
“Bill Payment” means an individual or recurring bill payments made through the phone number on the back ofyour Citibank Banking Card (including bill payments made using Citibank’s Telephone Automated Bill Payment
Service and Staff Assisted Bill Payments), Citi Online, CitiBusiness® Online and Citi Mobile. Bill Payments do notinclude internal transfer payments made to accounts at Citibank or its affiliates.
“Business Day”
• when referring to Citibank, means any day of the week that is not a Saturday, Sunday or bank holiday. NonBusiness Days are considered part of the following Business Day. For purposes of determining the Business
Day for requests to open accounts, please refer to section 6 Opening and Closing Accounts. For funds
availability purposes, please refer to Appendix 2: Funds Availability at Citibank.
• when referring to Citigroup Global Markets Inc., means any day of the week Monday through Friday except
days when the New York Stock Exchange is closed. Non-Business Days are considered part of the following
Business Day.
“Direct Deposit” means an Automated Clearing House (ACH) credit posted to your account. A Direct Deposit
may include payroll, pension, state or federal payments (including social security), from your employer or outside
agency. Forms for establishing direct deposits can be obtained at any Citibank branch or through Citi Online.

77

“Electronic Funds Transfers” (“EFT”) means any transfer of funds, other than a transaction originated by check,draft or similar paper instrument, or computer or magnetic tape, so as to order, instruct or authorize a financial
institution to debit or credit a consumer checking, savings or other asset account (such as brokerage). Examplesof EFT transactions are:• Citibank® Global Transfers;• International wire transfers from a consumer account;• Automated Clearing House (ACH);• Instant Payments;• Zelle® Transfers;• Point-of-Sale (“POS”) transactions;• ATM transactions;• Direct deposit or withdrawal of funds; and• Transfers initiated by telephone.
The following types of transfers are not electronic fund transfers: transfers related to bona fide trust andcustodial accounts, domestic wire transactions including Fedwire, book entry, CHIPS, SWIFT, telex and similar
network transactions; and transfers to cover overdrafts such as Safety Check transfers.
An “Enhanced Direct Deposit” (EDD) is an electronic deposit through the Automated Clearing House (“ACH”)
Network of payroll, pension, social security, government benefits and other payments to your Checking or
Savings account. An EDD also includes all deposits via Zelle and other P2P payments when made via ACH using
providers such as Venmo or PayPal. Teller deposits, cash deposits, check deposits, wire transfers, transfers
between Citibank accounts, ATM transfers and deposits, mobile check deposits, and P2P payments using adebit card do not qualify as an EDD.
“Mobile Check Deposit” means a service whereby you can make a deposit of eligible checks to your accounts
using a camera on a compatible smartphone or other device all as more particularly described in the separate
terms and conditions for this service.
“Network ATM” means an ATM other than a Proprietary Citibank ATM that is operated by or on behalf of afinancial institution or other operator that is a participating member of an automated teller machine network
which accepts Citibank Banking Cards, including terminals bearing the Mastercard, Maestro or Cirrus marks.
Your “On Deposit” balance reflects all transactions recorded in your Account as of the current day. The On
Deposit balance may be greater than the Available Now balance because it’s a record of your activity, includingtransactions that haven’t settled and that aren’t yet available for you to use.
“Point-of-Sale” (“POS”) means a Citibank Banking Card EFT from your primary checking account to purchasegoods and services and/or receive cash using your “Citibank® Debit Card” for Signature or PIN-based EFTtransactions or by using your “Citibank® ATM Card” for PIN-based EFT transactions. (For more information,please refer to section 8 Electronic Fund Transfers of this Agreement.)“Proprietary Citibank ATM” means an ATM that is owned and operated by Citibank, generally found in Citibank
branches.

78

Contact Us
You can contact us by logging into Citi
Online, using the Citi Mobile App, speaking
with a banker in a branch, or by calling thephone number on the back of your Citibank
Banking Card, or by calling 1-888-CITIBANK(1-888-248-4226).
For TTY: We accept 711 or other Relay Service.
To call collect from outside the U.S.:
1-210-677-0065• To report errors or to ask questions about
electronic transfers;• To obtain current interest rates and Annual
Percentage Yields;• For balance inquiries or other kinds ofaccount information;• To transfer funds between your accounts;• To report a stolen, missing or damaged
Citibank® Banking Card;• To order checks;• To request a stop payment on a check.

Other Customer Service Telephone Numbers
Citibank® Online:
1-800-374-9700
citibankonline.com
Contact your Financial Advisor or
Citi Personal Wealth Management:
1-800-846-5200
Text Telephone (TTY):
1-800-568-3405
Retirement Plan Services:
1-800-695-5911
Text Telephone (TTY):
1-800-788-6775
Citigold® Customer Service with linked
Citi Personal Wealth Management
Investment Accounts or for relationships
which do not contain a linked Citi Personal
Wealth Management Investment account:
1-888-CITIGOLD (1-888-248-4465)
Citi Priority Main Customer Service
1-888-275-2484
Citi Priority Collect Number
1-210-677-3780
Citibank® MasterCard® or Visa®
1-800-950-5114

Signature Card (Reference Copy)

Date:

FIMP:

CITIBANK, N.A. ACCOUNT

Account Title:
Address:
Account Number(s):Name/Signer

Card

By signing below, I: (1) confirm I have received and agree to be bound by all Citibank, N.A.
terms and conditions applicable to my account(s), including any deposit accountagreement(s) or other agreements and (2) understand and acknowledge that, if
applicable, such agreement(s) provide that any dispute involving me/us will be resolved
by binding arbitration.
Signer 1 Signature

Signer 2 Signature

Signer 3 Signature

Signer 4 Signature

You can use your Citibank® Banking Card wherever you see these symbols.

Citibank® Banking Card with the MasterCard® Brand Mark will be accepted at participating merchants.

To find the most convenient location, you can call: 1-800-CITI-ATM, 24 hours a day, 7 days a week.
Also visit us at citibank.com/locations.
Note: Not all accounts are accessible at every ATM network machine. Assistance is also available
24 hours a day, 7 days a week, at phones located in Citibank branches.

© 2023 Citibank, N.A., Member FDIC. All rights reserved. Citi, Citi and Arc Design and other marks usedherein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.
Interlink is a U.S. payment network owned and operated by Visa. MasterCard and the MasterCard Brand
Mark are registered trademarks of MasterCard International Incorporated.
Maestro is a registered trademark of MasterCard International Incorporated and affiliates.
Cirrus is a registered trademark of Cirrus System, LLC, formerly known as Cirrus System, Inc.
MoneyPass® is a registered trademark of U.S. Bank National Association.
08/23 CDAA1000

Amendments to the Citibank® Consumer Deposit
Account Agreement, August 19, 2023 Edition
Please read and keep this notice with your important account records.

Last Updated 07/25/2024

EFFECTIVE DATE: AUGUST 1, 2024
AMENDMENT TO SECTION 5.4.3 CITI MILES AHEAD SAVINGS ACCOUNTS:
EFFECTIVE AUGUST 1, 2024, the Bonus Miles section within section 5.4.3 Citi Miles Ahead Savings accounts isdeleted in its entirety and replaced with the following:

5.4.3 Citi Miles Ahead Savings accounts

New Citi Miles Ahead Savings accounts opened by an Eligible Cardmember can earn up to 50,000 AAdvantage Bonus
Miles (“Bonus Miles”) if they fulfill Required Activities.
Customers must meet Tax Requirements: U.S. persons must furnish or have a valid IRS Form W-9 (Request for Taxpayer
Identification Number and Certification) on file with Citibank, and foreign individuals must furnish or have a valid IRS
Form W-8BEN (Certificate of Foreign Status of Beneficial Owner for United States Tax Withholding and Reporting(Individuals) on file with Citibank . Accounts subject to backup withholding do not qualify for bonus miles.
Required Activities
First, within 45 days after account opening, deposit “New to Citibank Funds” into your new Citi Miles Ahead Savings
account. The “New to Citibank Funds” must meet the “Minimum Balance” for any one of the “Levels” (refer to the Bonus
Miles Chart). Multiple deposits are allowed. “New-to-Citibank Funds” are funds deposited from accounts external to
Citibank, N.A. and deposited: 1) using Enhanced Direct Deposit, or 2) with checks, or 3) through wire transfers. Cashdeposits, Citi Global Transfers, Citi debit cards, and transfers between Citibank accounts do not qualify as New-toCitibank Funds.

Bonus Miles Chart
Level

Minimum Balance

Maximum Bonus Miles

1$10,000.00 – $49,999.99

20,000 miles

2$50,000.00 – $199,999.99

40,000 miles

3$200,000.00 +50,000 miles

Second, on the 46th Day after you open your Citi Miles Ahead Savings account we will check your “On Deposit” balancein New-to-Citibank Funds to determine the Maximum Bonus Miles you can potentially earn (“Balance”). You must
maintain at least the Level 1 Minimum Balance for 45 consecutive calendar days starting on the 46th day after accountopening, (“Maintenance Period”) to earn the Bonus Miles. Please understand if your Balance falls into a lower Minimum
Balance Level for even one day during the Maintenance Period, your Maximum Bonus Miles will change (refer to theBonus Miles Chart). For example, if you were in Level 3 on the 46th Day, and your balance drops to Level 1 during theMaintenance Period, you will be eligible to earn the Bonus Miles in Level 1.
Third, your Citi Miles Ahead Savings account and Eligible Card must be open and in good standing from the time you
open your new Citi Miles Ahead Savings account until the time the applicable miles are credited. The Bonus Miles will becredited within 30 calendar days from the date you complete all Required Activities.
Important Tax Information: Cash equivalent of the bonus miles will be reported to IRS as interest to the first titledowner on the account, in the year received, as required by applicable law. Bonus payments received by U.S. citizens
or resident aliens will be reported on IRS Form 1099-INT. Bonus payments received by non-resident aliens will bereported on IRS Form 1042-S. Customer is responsible for any applicable taxes and consulting a tax advisor. Citi is
not a tax advisor.
Page 1 of 16

EFFECTIVE DATE: JULY 25, 2024
AMENDMENT: EFFECTIVE JULY 25, 2024 THE FOLLOWING CHANGE IS MADE TO THE CONSUMER DEPOSITACCOUNT AGREEMENT:The section 5.5 Certificates of Deposit within the Consumer Deposit Account Agreement is deleted in its entirety andreplaced with the following:

5.5 Certificates of Deposit

Our certificates of deposit (CD) are time accounts. When you open a CD, and each time a CD renews, you agree to leave
your funds in the account for the term which is a specific amount of time that cannot be changed until the Maturity Date.
You agree to leave your funds in the account for the first six days after account opening or renewal. The Maturity Date is
the last day of the term and the day the CD matures. The Maturity Date is the first day you can withdraw funds without
paying an early withdrawal penalty and the first day you can add funds. CDs have a fixed interest rate during the term.
CD Types and CD Terms
Certificates of
DepositMultiple term options available:• Term options with interest paid monthly or at maturity: 3, 4, 5, 6, 7, 8, 9, 10, 11, and 12
Month CDs
• Term options with interest paid monthly: 13, 14, 15, 18, and 30 Month CDs; 2, 3, 4,
and 5 year CDs

No Penalty CD

Available for a 12 month term with the no penalty feature for the first term only, andinterest paid monthly. The No Penalty CD allows a one-time withdrawal of your full balance
and interest without penalty after the first six (6) calendar days you make the minimum
deposit into your new CD and your deposit has been fully collected. An early withdrawal
penalty applies to withdrawals made during the first 6 days. Partial withdrawals before
maturity, including interest withdrawals, are not permitted. If you want to withdraw funds
before maturity, you must close your No Penalty CD. If you would like access to credited
interest during the term, you must elect at account opening to have interest deposited toanother Citi account or sent by check. No Penalty CDs automatically renew without the no
penalty feature to a 12 month CD. You cannot renew an existing CD into a No Penalty CD. A
No Penalty CD is only available for new No Penalty CD accounts. If you want to change yourexisting CD to a No Penalty CD, you must first close your existing CD and then open a new
No Penalty CD. You can renew a No Penalty into any of the CD term options listed above.

Step Up CD

Available for a 30 month term with the step up feature for the first term only, and interest
paid monthly. The Step Up CD has 3 fixed interest rates for each period during the term
beginning with Months 1 through 10, Months 11 through 20, and Months 21 through 30.
Step Up CDs automatically renew without the step up feature to a 30 month CD. You
cannot renew an existing CD to a new Step Up CD. A Step Up CD is only available for new
Step Up CD accounts. If you want to change your existing CD to a Step Up CD, you mustfirst close your existing CD and then open a new Step Up CD. You can renew a Step Up CD
into any of the CD term options listed above.

Minimum Balance. The minimum balance required to open a Certificate of Deposit account is $500. We may offer
promotions, from time to time, which may require a different account opening balance. No additional deposits are
permitted during the term. A CD account will automatically be closed after 20 consecutive calendar days with azero balance. Citibank reserves the right to close the CD if the balance falls below any applicable minimum balance
requirement. We will notify you that we closed your account if required by law.
Monthly Service Fee. There is no separate monthly service fee for a Certificate of Deposit.
Check Writing. Certificates of Deposit do not offer check writing.
Page 2 of 16

APYs and Interest Rates. Annual Percentage Yield (APY) as used in this document is a percentage rate reflecting the total
amount of interest paid on an account, based on the interest rate compounded daily for a period of one year assuming nofees, additional deposits or withdrawals, and the interest rate remains the same for the entire year. “Interest Rate” is theannual interest paid represented as a percentage assuming no change in rate and does not reflect compounding.
Annual Percentage Yields and interest rates for CDs are determined by Citibank at its sole discretion and can change at
any time without notice before a term begins for a new account and renewal. Interest rates are fixed for the CD term. The
APY for a Step Up CD is a Composite APY based on 3 fixed interest rates during the term for Months 1 through 10, Months
11 through 20, and Months 21 through 30. The APY on your CD assumes interest will remain on deposit in the CD accountuntil maturity. A withdrawal will reduce earnings. For current interest rates and Annual Percentage Yields, please log into Citi Online or the Citi Mobile App or speak to a banker in a branch or by calling the phone number on the back of your
Citibank Banking Card.
For a new CD, the APY and interest rate is based on the CD type, CD term, account balance, and applicable promotion at
account opening. For new CD accounts with a Special Title (Trust, Estate, Representative Payee, Guardian/Conservator),
the APY and interest rate will be the rate reflected on your applicable Rate Sheet provided at the time your accountapplication was submitted. For a renewing CD, the APY and interest rate will be the APY and interest rate in effect on
the CD renewal date for the CD term and account balance. When the APY is based on account balance, the applicablebalance range at account opening or renewal will be used to determine your APY and interest rate and the interest rate
will be fixed for the term; account balance may not be a factor for all CD terms. Citibank may assign the same APY andinterest rate to more than one balance range. Please refer to your applicable Rate Sheet. Balance ranges include:$0 – $9,999.99$10,000 – $24,999.99$25,000 – $49,999.99$50,000 – $99,999.99$100,000 – $499,999.99$500,000 – $999,999.99$1,000,000+
Every CD account is assigned to a Rate Region at account opening, which is identified on the Rate Sheet provided at
account opening or when the application was submitted for Special Title accounts. Citibank reserves the right to apply
an APY and interest rate based on the account’s Rate Region, apply different APYs and interest rates for different Rate
Regions, and assign the APY and interest rate applicable to a Rate Region based on one or more of the following: CD type,
CD term, account balance, and applicable promotion.
Please refer to your applicable Rate Sheet to learn which factor(s) affect the APY and interest rate applicable to yourRate Region.
Interest rate exceptions may apply and are available only to certain accounts or customers. Speak to a banker for
eligibility. Interest rate exceptions, if applicable for a CD term, will begin on the opening date (or renewal date of an
existing CD) and end on the day before the Maturity Date.
When Interest Begins to Accrue. Interest begins to accrue as of the calendar day you open your CD account. Balancesin EDI accounts linked to your CD account will not be included in your interest calculation, even though they will be
included in your CAMB.
Interest Compounding and Crediting. Interest is compounded daily starting as of the calendar day you open your CD
account, for the actual number of days your money is on deposit. Interest is computed using a 365-day year except inleap years when interest may be computed on a 366-day basis.
All CDs are available with the monthly interest feature. CD terms of one year or less also are available with the interest at
maturity feature. The No Penalty CD is only available with the monthly interest feature. Selecting the interest payment
frequency can only be done when you open or renew your CD and not during the CD term. When you select the interest
at maturity feature, the interest is credited on the Maturity Date and the interest payment frequency may be displayed
as “Deferred” next to the CD term on your Account Statements and other notices. When you select the monthly interestfeature, interest is credited to your account after the close of business on the last Business Day of each month, and on
the Maturity Date. Interest is paid up to but not including the Maturity Date.
Page 3 of 16

If you open your CD or your CD renews during the last week of any month, interest from the new CD opening date or CD
renewal date to the end of the month may be included with the interest for the first full month after the CD is opened
or renewed. If you open your CD on the last day of a month with 30 days, and funding is credited on the first week of
the next month, the interest for the day the account was opened may be credited on the day the CD was funded andthe interest for the first full month may then be included in the next month’s interest payment. If the end of the monthoccurs during the Grace Period, interest accrued during the Grace Period will be included in the next month’s interest for
renewed CDs. If the CD account is closed before maturity, the interest minus any applicable early withdrawal penalty will
be reflected in the closeout balance.
Interest Calculation Method. We use the daily balance method to calculate interest. This method applies a daily periodic
rate to the balance in the account each day.
Interest Withdrawal. You may withdraw interest before maturity after it has been credited to your CD account without
an early withdrawal penalty. You may request to have credited interest deposited to another account you have with us orsent to you in the form of a check. You can only request this when you open or renew your CD and not during the CD term.
If you have elected to have the interest deposited to another Citi account and that account is closed, the CD interest
will be credited to your CD for the rest of the CD term. When your CD automatically renews and after the grace period,
interest will be added to your principal balance and will no longer be available for withdrawal without penalty. No Penalty
CDs do not allow partial withdrawals before maturity, including interest withdrawals.
The APY on your CD assumes the full balance and interest will remain on deposit in the CD account until maturity. A
withdrawal will reduce earnings.
Automatic Renewal and Grace Period. Your CD will automatically renew at maturity for the same CD term at the APY andinterest rate in effect on the Maturity Date which is the renewal date, unless: (1) you change your CD term, or (2) the same
term is not available and we notify you that your CD term is changing. Account promotions will not apply to renewing
CDs, unless specifically stated otherwise.
If you do not want your CD to automatically renew, you can make changes during the Grace Period. The Grace Period
begins on the day after the Maturity Date and is up to 7-calendar days. If the last day of the Grace Period is a nonBusiness Day (a weekend or bank holiday), the Grace Period ends on the last Business Day before the non-Business Day(the Grace Period End Date). During the Grace Period you can change your CD term, deposit additional funds, or withdraw
funds without paying an early withdrawal penalty. All changes to your CD must be completed before 10:30 PM Eastern(9:30 PM Central) on the last day of the Grace Period. If you change your term, make a deposit, or withdraw funds
during the Grace Period: (a) the Grace Period will end that day, your renewed CD will have a new opening date which isyour renewal date, your renewed CD will have a new Maturity Date, and you will not be able to withdraw funds without
penalty or make any other changes until the new Maturity Date; (b) we will pay interest from the Maturity Date until the
day before your new opening date (but not more than 7-calendar days) at the interest rate in effect on the Maturity Date;and (c) your renewed CD will be assigned the APY and interest rate in effect on your new opening date which is your CD
renewal date. If you change your term, deposit additional funds, or withdraw funds during the Grace Period on a nonBusiness Day, the CD renewal date will be the Business Day following the non-Business Day.
Your account number will not change when your CD renews.
Early Withdrawal Penalties. Citibank will impose a substantial penalty if you withdraw any amount from the principal
before the Maturity Date. It may be necessary to deduct all or a portion of the penalty from the principal amount of thedeposit. Early withdrawal penalties are calculated on the amount of the principal withdrawn. A 90-day simple interest
penalty will apply for CD terms of 1 year or less, and a 180-day simple interest penalty will apply for CD terms greater than
one year. There is no early withdrawal penalty if the account owner dies or is declared legally incompetent.
The No Penalty CD allows a one-time full withdrawal of your full balance and interest without penalty after the firstsix (6) calendar days you make the minimum deposit into your new CD account and your qualifying deposit has been
fully collected. A No Penalty CD withdrawal made during the first 6 days will result in an early withdrawal penalty. A No
Penalty CD does not allow partial withdrawals before maturity, including interest withdrawals.

Page 4 of 16

EFFECTIVE DATE: JULY 25, 2024
AMENDMENT TO SECTION 1 GENERAL TERMS:
The “Waiver” section within Section 1 General Terms in the Consumer Deposit Account Agreement is deleted inits entirety.
Waiver. We may delay in enforcing any of our rights under this Agreement without losing them. Any waiver by us shall not
be deemed a waiver of any other right or of the same right at another time. You waive diligence, demand, presentment,
protest and notice of every kind, except as set forth in this Agreement.

EFFECTIVE DATE: JUNE 27, 2024
AMENDMENT:The Citi Alliance program is discontinued and not available for new account opening effective March 4, 2024.
Existing Citi Alliance checking and savings accounts were closed as of March 19, 2024.
Effective June 27, 2024, the Appendix 3: Discontinued Products, Services and Features section of the Consumer
Deposit Account Agreement is amended to include Citi Alliance.
Discontinued Products, Services, and Features“Discontinued Date”

Citi Alliance®

March 4, 2024

EFFECTIVE DATE: JUNE 27, 2024
AMENDMENT: EFFECTIVE JUNE 27, 2024, THE FOLLOWING CHANGE IS MADE TO THE CONSUMER DEPOSITACCOUNT AGREEMENT:The section 5.4.5 Promotional Rate Feature for New Citi Savings accounts within the Consumer Deposit AccountAgreement is deleted in its entirety and replaced with the following:

5.4.5 Promotional Rate Feature for New Citi Savings accounts
Availability

New Citi Savings accounts opened during an Offer Period by customers in a physical branch (or with
an employee in a physical branch by phone — including video calls) (“New Citi Savings” account)
will receive a “Promotional Rate” up to the end of the Promotional Rate Period if they fulfill Required
Activities. Please refer to your Rate Sheet to learn the Promotional Rates for New Citi Savings
accounts, the minimum balance required to receive the Promotional Rates, the Promotional Rate
Period, and whether you opened your New Citi Savings account during an Offer Period.
• The following Savings and Checking accounts do not qualify for New Citi Savings account
Promotional Rates: Citi Accelerate Savings, Citi Miles Ahead Savings, Citibank Savings Plus, andCOMMA accounts; Savings and Checking accounts that are business, retirement (IRAs, education
savings plans, money purchase pension plans and profit-sharing plans) accounts; and savingsand checking accounts opened through Citi Global Wealth at Work, International Personal Bank,
Citi Alliance, and Citi Private Bank.
Customers must meet Tax Requirements: U.S. persons must furnish or have a valid IRS Form W-9(Request for Taxpayer Identification Number and Certification) on file with Citibank, and foreign
individuals must furnish or have a valid IRS Form W-8BEN (Certificate of Foreign Status of Beneficial
Owner for United States Tax Withholding and Reporting (Individuals) on file with Citibank.

Required
Activities

Deposit Minimum Balance. After account opening, deposit at least the “Minimum Balance” in Newto-Citibank Funds into your New Citi Savings account within 10 Business Days after account opening.
Please refer to the Rate Sheet provided at account opening. We will check your “On Deposit” balancein New-to-Citibank Funds on the 11th Business Day after you open your New Citi Savings account todetermine if you meet the Minimum Balance and will continue to earn the Promotional Rate.
Page 5 of 16

• “New-to-Citibank Funds” are funds deposited from accounts external to Citibank, N.A. anddeposited: using Zelle®, domestic ACH transfer, Direct Deposit, checks drawn on banks otherthan Citibank N.A. or domestic wire transfer. Direct Deposits for the Promotional Rate areelectronic deposits through the Automated Clearing House (ACH) Network of payroll, pension,social security, government benefits and other payments to your checking or savings account.
Cash deposits, Citi Global Transfers, Citi debit cards, transfers between Citibank accounts (otherthan as described above), international ACH transfers, international wires transfers, funds from
CitiBusiness accounts, mobile check deposits, instant deposits and payments and deposits via
person-to-person transfer services such as Apple Pay, PayPal, and Venmo (except Zelle®) do not
qualify as New-to-Citibank Funds, or Direct Deposits, for this Promotional Rate.
• So long as the New-to-Citibank Funds does not pre-date the opening of the New Citi Savings
account, you can deposit the Minimum Balance into an Individual or Joint Citibank Checking
account if: (1) the New-to-Citibank Funds are deposited within 10 Business Days after opening
your New Citi Savings account, (2) the Checking account is linked to your New Citi Savings
account, and (3) you transfer the New-to-Citibank Funds directly from the linked Checking
account into your New Citi Savings account within 10 Business Days after opening your New Citi
Savings account. Checking account restrictions apply. Please refer to Availability.
• If you plan on depositing funds in checking BEFORE transferring to your Citi Savings account for
the Promotional Rate, please make sure your accounts are linked. Contact us if you have questions
or to link your accounts.
Maintain your Minimum Balance. During the Promotional Rate Period after opening your New Citi
Savings account, you will receive the Promotional Interest Rate each day you maintain at least the
Minimum Balance in your New Citi Savings account. Please understand if your On Deposit balancedrops below the Minimum Balance for even one day during the Promotional Rate Period, your
Promotional Rate will expire, and your New Citi Savings account will receive the current
non-promotional “Standard” APY and interest rate for Citi Savings accounts. Please refer to your Rate
Sheet for the APYs and interest rates applicable to your account.

Promotional
Interest
Rate
Expiration

When the Promotional Interest Rate expires, it cannot be reinstated, and your New Citi Savings
account will be subject to the Standard APY and interest rate for Citi Savings accounts in effect atthat time. Your Promotional Interest Rate will expire on the earliest of:• The end of the Promotional Rate Period after the date your New Citi Savings account is opened, or• The date your New Citi Savings account has reached the “Maximum Interest Earned” from thePromotional Interest Rate, or• Any time after 10 Business Days from the time your New Citi Savings account was opened, whenyour On Deposit balance drops below the Minimum Balance to receive the Promotional Interest Rate.
Please refer to the Rate Sheet provided at account opening for the Promotional Rate Period,
Maximum Interest Earned, and Minimum Balance.

APY for the
Promotional
Rate

Annual Percentage Yield, as used for the Promotional Rate, is a percentage rate reflecting the total
amount of interest paid on an account, based on the combination of the Promotional Interest
Rate with the Standard Interest Rate that will apply after the Promotional Interest Rate expires,compounded daily for a period of one year assuming no fees, additional deposits or withdrawals,
and the Standard Interest Rate remains the same for the rest of the one year period. The APY
assumes the Promotional Interest Rate expires at the end of the Promotional Rate Period after theaccount is opened or when the Maximum Interest Earned is reached, whichever is earlier.
Please refer to the Rate Sheet for the Promotional Rate Period and Maximum Interest Earned. Pleaserefer to section 5.4.6 Rate Information and Interest Calculation for Savings accounts for additional
APY and interest rate information.

Page 6 of 16

EFFECTIVE DATE: JUNE 27, 2024
AMENDMENT TO SECTION 2 SIMPLIFIED BANKING:
The paragraph within the Consumer Eligible Deposit and Investment (EDI) Accounts chart within Section 2 Simplifiedbanking is deleted in its entirety and replaced with the following:
The following accounts are excluded from EDI accounts: accounts owned by Estates, COMMA accounts, Collateral
Holding accounts, Secured CD accounts, certain personal investment companies, accounts in a money purchase plan or
profit sharing plan, accounts in a tax-qualified education savings plan, and accounts opened through Citi Global Wealthat Work,4 Citi Private Bank,4 and International Personal Bank.4
Investment accounts may be subject to further terms and requirements with CGMI.
	Banking products and services are provided by Citibank, N.A.. In the U.S., investment products and services areprovided by Citigroup Global Markets Inc. (CGMI), member SIPC. Investment Management services (including portfolio
management) are available through CGMI, Citibank, N.A. and other affiliated advisory businesses.

4

EFFECTIVE DATE: JUNE 27, 2024
AMENDMENT TO SECTION 2 SIMPLIFIED BANKING:The second paragraph within Section 2 Simplified Banking is revised to include the following:
Entities share CAMB with other accounts under the same title. EDI accounts with the same Tax Identification Number as
consumers, including those owned by revocable and irrevocable trusts, may be included in CAMBEFFECTIVE DATE: JUNE 27, 2024
AMENDMENT: EFFECTIVE JUNE 27, 2024, THE FOLLOWING CHANGE IS MADE TO THE CONSUMER DEPOSITACCOUNT AGREEMENT:The following sentence is added as a second paragraph to the Wire Transfer Fee Chart introduction within
Appendix 1: Fee Schedule section:
Please note, fees and charges may apply for wire transfers initiated from a consumer account through CitiBusiness®
Online. Please refer to the fees and charges displayed on CitiBusiness® Online at the time of the transaction.

EFFECTIVE DATE: MAY 7, 2024
AMENDMENT TO SECTION 1 GENERAL TERMS:
The first two paragraphs in the “Language” section within section 1 General Terms in the Consumer Deposit AccountAgreement is deleted in its entirety and replaced with the following:
Language. English is the controlling language governing your account. As an example, the English version governs
this Agreement.
If your preferred communication language is other than English, we may not be able to accommodate your language
preference at all of our branches or for all products and services. As a courtesy, at your request and for your convenience
only, when you open an account we may be able to provide you with services in your preferred language. Accountcommunications and certain other notices, disclosures and communications may only be available in English. Certain
communications and notices may be available in Spanish. Communication options include:

Page 7 of 16

EFFECTIVE DATE: MAY 7, 2024
AMENDMENT TO SECTION 5.4.3 CITI MILES AHEAD SAVINGS ACCOUNTS:
The sections titled Changes to Citi Miles Ahead Savings and American Airlines within section 5.4.3 Citi Miles Ahead
Savings accounts within the Consumer Deposit Account Agreement are deleted in its entirety and replaced with thefollowing:

Changes to
Citi Miles
Ahead
Savings

American Airlines reserves the right to change the AAdvantage® program and its terms andconditions at any time with or without notice, and to end the AAdvantage® program with six months’
notice. Any such changes may affect your ability to use AAdvantage® Rewards and Benefits that you
have already accumulated.

AmericanAirlines

American Airlines is not responsible for products or services offered by other participating companies.
All third-party provider terms and conditions apply. For more information on miles and Loyalty
Points, visit www.aa.com/loyaltypoints. For complete details about the AAdvantage® program, visit
aa.com/aadvantage. For the AAdvantage® terms and conditions, visit aa.com/aadvantageterms.

EFFECTIVE DATE: MAY 7, 2024
AMENDMENT TO SECTION 6.1 OPENING A DEPOSIT ACCOUNT:The Uniform Transfers/Gifts to Minor section within the Account Ownership section of 6.1 Opening a Deposit Accountwithin the Consumer Deposit Account Agreement is deleted in its entirety and replaced with the following:(UTMA/UGMA Account) means an account where, pursuant to state law, an adult makes an irrevocable gift of the funds toa minor individual. The adult, as custodian, controls and manages the account for the benefit of the minor until adulthood.
The definition of a minor varies by state; however, generally, one custodian and one minor are allowed per account, unlessthe account is established under Maryland’s UTMA rules. We act upon the custodian’s instructions. Citibank may, in its
sole discretion, opt to block or close the UTMA account if it determines or has reason to believe that the minor has attained
the age at which the UTMA terminates under applicable state law. Although Citibank may terminate the UTMA in thiscircumstance, Citibank is not responsible to monitor age or eligibility for an UTMA account, even though our records may
include the minor’s date of birth. It is the custodian’s responsibility to properly distribute the funds in the account upon theminor’s death or attainment of age at which the UTMA terminates under applicable state law. You may wish to consult yourtax advisor or attorney before opening a UTMA/UGMA Account.

EFFECTIVE DATE: MAY 7, 2024
AMENDMENT TO SECTION 8.6 OTHER ELECTRONIC FUND TRANSFER ERRORS: NOTICE AND ERRORRESOLUTION PROCEDURES:
The fifth sentence within the third paragraph of section 8.6 Other Electronic Fund Transfer Errors: Notice and Error
Resolution Procedures within the Consumer Deposit Account Agreement has been revised for clarity to now state“twenty (20) Business days” as shown below:
For new accounts (where the notice of error involves an electronic funds transfer to or from your account, that occurred
within thirty (30) days after the first deposit to the account was made), we can take up to twenty (20) Business Days todetermine whether an error occurred and up to twenty (20) Business Days to provisionally credit your account for theamount you think is in error.

Page 8 of 16

EFFECTIVE DATE: APRIL 2, 2024
AMENDMENT: EFFECTIVE APRIL 2, 2024, THE FOLLOWING CHANGE IS MADE TO THE CONSUMER DEPOSITACCOUNT AGREEMENT:The “Savings Account APYs and Interest Rates” section within section 5.4.6 Rate Information and Interest Calculationfor Savings account of the Consumer Deposit Account Agreement is deleted in its entirety and replaced with thefollowing:
Savings Account APYs and Interest Rates“Annual Percentage Yield” (APY) as used in this document is a percentage rate reflecting the total amount of interest paidon an account, based on the current interest rate compounded daily for a period of one year assuming no fees, additional
deposits or withdrawals, and the interest rate remains the same for the entire year. “Interest Rate” is the annual interest
paid represented as a percentage assuming no change in rate and does not reflect compounding. “Annual Percentage
Yield Earned” (APYE) shown for an account on the Account Statement is an annualized rate that reflects the total amountof interest paid on the account during the Statement Period. The APYE is calculated using the relationship between
the interest posted to the account and the sum of the daily balances for those days where balance is above zero in theStatement Period divided by the number of days in the Statement Period.
Annual Percentage Yields and interest rates for Savings accounts are variable, determined by Citibank at its sole
discretion, can change at any time without notice. This may affect the actual amount of interest earned. Please refer
to your applicable rate sheet. For current Annual Percentage Yields and interest rates, please use Citi Online or the Citi
Mobile App or speak to a banker in a branch or by calling the phone number on the back of your Citibank Banking Card.
Every Savings account is assigned to a Rate Region at the time of account opening. The Rate Sheet provided at the timeof account opening will identify the account’s Rate Region. Rate Regions may have different Annual Percentage Yields
and interest rates. For a Savings account, the APY and interest rate applicable to a Rate Region may vary depending on
one or more of the following factors:
a. Product;b. Relationship Tier;c. Applicable promotion;d. Account balance.8
Please refer to the rate sheet provided to you when your account was opened to learn which factor(s) impact the APY andinterest rate applicable to your Rate Region.
Interest rate exceptions may apply and are available only to certain accounts or customers. Speak to a banker for eligibility.
Interest rate exceptions, if applicable, will be in effect for 90 days beginning on the day the interest rate exception is applied
to a savings account.

EFFECTIVE DATE: APRIL 2, 2024
AMENDMENT TO SECTION 7.2.4 OVERDRAWING YOUR ACCOUNT:The Contributing Accounts section within section 7.2.4 Overdrawing Your Account within the Consumer Deposit
Account Agreement is deleted in its entirety and replaced with the following:
Contributing Accounts
When you sign up for Safety Check, you may select one account you maintain at Citibank as your “Contributing Account.”
Citi Savings, Citibank Savings Plus, Citi Accelerate Savings or Citi Miles Ahead Savings accounts are eligible Contributing
Accounts. Only Available Now balances in your Contributing Account can be used for Safety Check coverage.
When Safety Check is used to cover your use of funds in your checking account that are not yet available (uncollected), alike amount in your Contributing Account will be held until the deposited funds become available. The funds held in your
Contributing Account are not transferred to the checking account and will continue to earn interest.

Page 9 of 16

EFFECTIVE DATE: APRIL 2, 2024
AMENDMENT TO SECTION 1 GENERAL TERMS:
The paragraph titled Customer Service within Section 1 General Terms is deleted in its entirety and replaced withthe following:
Customer Service. You may be able to receive customer service in your preferred language by calling the phone number
on the back of your Citibank Banking Card.

EFFECTIVE DATE: APRIL 2, 2024
AMENDMENT TO SECTION 3.3 HOW DO I JOIN A RELATIONSHIP TIER:
The first paragraph in the Existing accounts and Re-Tiering section within section 3.3 How do I join a Relationship Tieris deleted in its entirety and replaced with the following:
Existing accounts and Re-Tiering.
Relationship Tiers for existing customers can change in any month. Your CAMB will be reviewed each calendar month incomparison to Relationship Tier Balance Range requirements, but it takes three months of sustained Balance Ranges
for a Re-Tiering change. Unless you enroll in Tier Acceleration, your CAMB is reviewed on the last calendar day of eachmonth, which may be before your Statement Period Date. Customers who qualify for Re-Tiering or Tier Acceleration will
join their new Relationship Tier on the first calendar day of the following month.
Special note for Customers whose Relationship Tier status changes before the end of their current Statement Period:• Your first day in a new Relationship Tier will always be the first calendar day of a month.
• You will receive a partial-month Account Statement beginning on your existing Statement Period start date and endingon the day before your Relationship Tier status changes (this time period is referred to as a “Partial Month”).
• Unless you are eligible for a fee waiver as shown on your Partial Month statement, Monthly Service Fees and Non-Citi
ATM fees will be charged on the first Business Day after the Partial Month.
• If you are joining a Relationship Tier for the first time or rejoining a Relationship Tier after previously making a change toyour Statement Period Date, your Statement Period Date will be updated to the end of the calendar month. Any change
to your Statement Period Date will impact all Checking Plus account(s) on that Account Statement.

EFFECTIVE DATE: APRIL 2, 2024
AMENDMENT TO SECTION 5.1 INTRODUCTION:
The section titled Fees within section 5.1 Introduction is deleted in its entirety and replaced with the following:Fees. Please refer to section 5.2 Monthly Service Fees and Non-Citi ATM Fees and Appendix 1: Fee Schedule of thisAgreement. Monthly Service Fee assessments begin from the first day you open your account and restart from the firstday of every new month, but fee waivers may apply. Monthly Service Fees, Non-Citi ATM fees, and eligibility for fee
waivers are based on your Relationship Tier status or account activity during a calendar month, which may not matchyour Statement Period.
If not waived, Monthly Service Fees and Non-Citi ATM fees will be charged on the first Business Day of your next
Statement Period. Accordingly, please refer to your most recent Account Statement to review Monthly Service Fees andNon-Citi ATM fees that were charged on the first Business Day of your Statement Period. Please see the “Account Fees
and Charges” section of your most recent Account Statement to review fees that will be charged on the first Business Dayof your next Statement Period.

Page 10 of 16

For example, please see the below table:
Calendar month that Monthly Service
Fee/Non-Citi ATM fee was incurredStatement Period
Cycle Date

When Fee(s)ChargedAccount Statement
showing Fee(s) assessed

April

15th of every month

May 16th or next
Business day

Statement for period fromMay 16th through June 15th.

Special note for fee waivers based on Enhanced Direct Deposits:
For Monthly Service Fee and Non-Citi ATM fee waivers, at least $250 in Enhanced Direct Deposits must be posted to yourAvailable Now balance during every calendar month. Your On Deposit balance is not used to calculate eligibility for fee
waivers. Please refer to section 7.1.8.2 Account Balance and Transaction Information of this agreement.

EFFECTIVE DATE: MARCH 1, 2024
AMENDMENT: EFFECTIVE MARCH 1, 2024, THE FOLLOWING EXPEDITED DOMESTIC DELIVERY OF REPLACEMENTDEBIT CARD FEE IS WAIVED.
As a result, the Expedited Domestic Delivery of Replacement Debit Card fee on the chart titled “Fee Chart” is revised
as follows:
Account Fee Description
Expedited Domestic Delivery of
Replacement Debit Card
May appear on your bankstatement as: Expedited Card Fee

Standard Fee

Citi Priority

Citigold®

Citigold® Private
ClientWaivedWaivedWaivedWaivedEFFECTIVE DATE: IMMEDIATELYAMENDMENT TO SECTION 7.1.2 TIMING OF DEPOSITS; AVAILABILITY OF FUNDS; ACCEPTANCE OF DEPOSITS:
The first paragraph within section 7.1.2 Timing of Deposits; Availability of Funds; Acceptance of Deposits is revised toclarify post meridiem (PM) timing. As a result, the first paragraph is deleted in its entirety and replaced with the following:
Deposits made in Citibank branches are posted to your Accounts on the same day. Deposits made at Proprietary Citibank
ATMs or by Mobile Check Deposit after 10:30 PM Eastern Time (9:30 PM Central Time) are posted to your account on thefollowing Business Day. Deposited funds may not be available for immediate withdrawal. For more information pleaserefer to Appendix 2: Funds Availability at Citibank.

EFFECTIVE DATE: IMMEDIATELYAMENDMENT TO SECTION 6.2 CLOSING A DEPOSIT ACCOUNT:For clarification of existing practices and effective immediately, the following update is made to Section 6.2 Closing A
Deposit Account and is included as the third paragraph:
If you close your AccountIf you close your Account, your obligations under this Agreement apply to your account even after the account is closed. You
should not close your account until all transactions and fees have been paid. Account closures occur at the end of a BusinessDay. We may delay closing your account if your account does not have a zero balance, has one or more pending transactions,pending interest, an overdrawn balance, hold(s), recent deposit(s) with delayed funds availability, or other restrictions suchas third party disputes, subpoenas, court orders, and legal proceedings. Certain accounts may require additional processing.
Page 11 of 16

EFFECTIVE DATE: DECEMBER 31, 2023
EFFECTIVE DECEMBER 31, 2023, THE AFFORDABLE ACCESS BANKING INITIATIVE WILL BE DISCONTINUED.
EFFECTIVE MARCH 15, 2024, THE MONTHLY SERVICE FEE WAIVER FOR ACCOUNTS IN THE AFFORDABLE ACCESSBANKING INITIATIVE WILL BE DISCONTINUED.
As a result, the Affordable Access Banking Initiative will be added to Appendix 3: Discontinued Products, Services
and Features and includes the following:
Discontinued Products, Services, and Features“Discontinued Date”

Affordable Access Banking Initiative

December 31, 2023

Affordable Access Banking Initiative
Important Notice:

Effective December 31, 2023, the Affordable Access Banking Initiative is discontinued, and customers cannot open
new accounts with the Affordable Access Banking Initiative Features.
Effective March 15, 2024, the monthly service fee waiver for accounts with the Affordable Access Banking
Initiative Features will be discontinued.
The Affordable Access Banking Initiative is a Citi initiative for select Citi Community Partner Programs (“Program”)
managed by Citi Community Partners. Citibank is not affiliated with any of the Citi Community Partners, Programs, nora sponsor of any Citi Community Program. The Affordable Access Banking Initiative is subject to change at any time
without notice to you unless required by applicable law.

Affordable Access Banking Initiative Features
Eligibility

Only applicants who are certified Program participants (“Eligible Applicants”) according to a
Citi Community Partner are eligible for an account available with the Affordable Access Banking
Initiative Features.
Applicants should review the materials provided by your Program for additional important terms andconditions relating to participation in the Program. Citibank does not manage the Programs offered bythese Citi Community Partners.
Eligible Applicants must be the first titled owner on the account opened with the Affordable AccessBanking Initiative Features to be eligible to receive the Affordable Access Banking Initiative Features.

Availability

Accounts with the Affordable Access Banking Initiative Feature are available in all markets for selectCiti Community Partner Programs.

Key
FeaturesAccounts opened before December 31, 2023, with the Affordable Access Banking Initiative Featuresare subject to change at any time without notice to you unless required by applicable law.
Please refer to the Program materials provided by your Citi Community Partner for the eligible
accounts with the Affordable Access Banking Initiative Features.
All other terms and conditions in the Consumer Deposit Account Agreement apply to your accounts
opened pursuant to the Program.

Fees

Effective March 15, 2024, Citibank will charge a monthly service fee for accounts opened with the
Affordable Access Banking Initiative Features. Please refer to the Fees paragraph in section 5.1
Introduction, section 5.2 Monthly Service Fees and Non-Citi ATM Fees and Appendix 1: Fee Scheduleof this Agreement. Monthly Service Fees and monthly Non-Citi ATM fees will appear as charges on thefirst Business Day of your next Account Statement.
Accounts opened with the Affordable Access Banking Initiative Features are subject to all other fees
associated with the accounts.
Any accounts opened outside of the Program and accounts not eligible for the Affordable AccessBanking Initiative Features are subject to all standard fees, terms and conditions.
Page 12 of 16

Relationship
Tiers and
CAMB

As of December 31, 2023, accounts opened with the Affordable Access Banking Initiative Features are
eligible for Relationship Tiers.

Terminationof theAffordable
AccessBanking
Initiative

Effective March 15, 2024, Citibank will charge a monthly service fee for your accounts opened with
the Affordable Access Banking Initiative Features. Please refer to Fees above. Your accounts will be
subject to all applicable fees and minimum balance requirements that apply to accounts without
the Affordable Access Banking Initiative Features.

Accounts opened with the Affordable Access Banking Initiative Features are included in your
Combined Average Monthly Balance (“CAMB”).

Products with the Affordable Access Banking Initiative Features

Access Checking for Affordable Access Banking Initiative. Effective March 15, 2024, an Access Checking account with
the Affordable Access Banking Initiative Features (“Access Checking for Affordable Access Banking Initiative account”) isan Access Checking account. You will see “Access Checking” on your Account Statements and other notices, and Access
Checking for Affordable Access Banking Initiative accounts are the same as Access Checking accounts offered by Citibank.
The terms, fees and conditions applicable to Access Checking accounts offered by Citibank apply to Access Checking
accounts converted from Access Checking for Affordable Access Banking Initiative accounts. Please refer to section
5 Products of the Consumer Deposit Account Agreement for the terms, fees and conditions applicable to Access
Checking accounts.
Savings accounts opened with the Affordable Access Banking Initiative Features. Effective March 15, 2024, Citi Savings
account or Citi Accelerate Savings account with the Affordable Access Banking Initiative Features are a Citi Savings
accounts or Citi Accelerate Savings accounts, respectively. You will see “Citi Savings” or “Citi Accelerate Savings,” asapplicable, on your Account Statements and other notices, and savings accounts opened with the Affordable AccessBanking Initiative Features are the same as Citi Savings accounts and Citi Accelerate Savings accounts offered by Citibank.
The terms, fees and conditions applicable to Citi Savings accounts and Citi Accelerate Savings accounts offered by Citibank
apply to the applicable savings accounts opened with the Affordable Access Banking Initiative Features. Please refer tosection 5 Products of the Consumer Deposit Account Agreement for additional terms, fees and conditions applicable to
Citi Savings accounts and Citi Accelerate Savings accounts.

EFFECTIVE DATE: NOVEMBER 28, 2023
The following amendments are made to the Consumer Deposit Account Agreement:
AMENDMENT TO SECTION 5.4.1 CITI SAVINGS ACCOUNTSThe “How to Apply” section within section 5.4.1 Citi Savings accounts is revised to include the following:
Although a Citi Savings account can be owned by more than one owner, the first titled owner on the account must be
eligible to apply for a Citi Savings account.
AMENDMENT TO SECTION 5.4.2 CITI ACCELERATE SAVINGS ACCOUNTSThe “How to Apply” section within section 5.4.2 Citi Accelerate Savings accounts is revised to include the following:
Although a Citi Accelerate Savings account can be owned by more than one owner, the first titled owner on the accountmust be eligible to apply for a Citi Accelerate Savings account.
AMENDMENT TO SECTION 6.1 OPENING A DEPOSIT ACCOUNTThe first paragraph in the “Opening an account through other methods:” section within “Governing Law” of section
6.1 Opening a deposit account is revised to include the following:
Although an account can be owned by more than one owner, “you” and “your” means the first titled owner of the accountwhen assigning the Governing State for accounts opened through other methods.
Page 13 of 16

AMENDMENT TO SECTION 6.1 OPENING A DEPOSIT ACCOUNTThe “Opening an account through other channels:” section within “Rate Region” of section 6.1 Opening a deposit
account is revised to include the following opening paragraph:
Although an account can be owned by more than one owner, “you” and “your” means the first titled owner of the accountwhen assigning the Rate Region for accounts opened through other channels.

EFFECTIVE DATE: NOVEMBER 28, 2023
AMENDMENT: EFFECTIVE NOVEMBER 28, 2023, THE FOLLOWING CHANGE IS MADE TO THE CONSUMER DEPOSITACCOUNT AGREEMENT:The “Savings Account APYs and Interest Rates” section within section 5.4.6 Rate Information and Interest Calculation for
Savings account of the Consumer Deposit Account Agreement is deleted in its entirety and replaced with the following:
Savings Account APYs and Interest Rates“Annual Percentage Yield” (APY) as used in this document is a percentage rate reflecting the total amount of interest paidon an account, based on the current interest rate compounded daily for a period of one year assuming no fees, additional
deposits or withdrawals, and the interest rate remains the same for the entire year. “Interest Rate” is the annual interest
paid represented as a percentage assuming no change in rate and does not reflect compounding. “Annual Percentage
Yield Earned” (APYE) shown for an account on the Account Statement is an annualized rate that reflects the total amountof interest paid on the account during the Statement Period. The APYE is calculated using the relationship between
the interest posted to the account and the sum of the daily balances for those days where balance is above zero in theStatement Period divided by the number of days in the Statement Period.
Annual Percentage Yields and interest rates for Savings accounts are variable, determined by Citibank at its sole
discretion, can change at any time without notice. This may affect the actual amount of interest earned. Please refer
to your applicable rate sheet. For current Annual Percentage Yields and interest rates, please use Citi Online or the Citi
Mobile App or speak to a banker in a branch or by calling the phone number on the back of your Citibank Banking Card.
Every Savings account is assigned to a Rate Region at the time of account opening. The Rate Sheet provided at the timeof account opening will identify the account’s Rate Region. Rate Regions may have different Annual Percentage Yields
and interest rates. For a Savings account, the APY and interest rate applicable to a Rate Region may vary depending on
one or more of the following factors:
a. Product;b. Relationship Tier;c. Applicable promotion;d. Account balance.8
Please refer to the rate sheet provided to you when your account was opened to learn which factor(s) impact the APY andinterest rate applicable to your Rate Region.
Interest rate exceptions may apply and are available only to certain accounts or customers. Speak to a banker for eligibility.
Interest rate exceptions, if applicable, will be in effect for 182 days beginning on the day the interest rate exception isapplied to a savings account.

Page 14 of 16

EFFECTIVE DATE: NOVEMBER 4, 2023
AMENDMENT: EFFECTIVE NOVEMBER 4, 2023, THE CLERICAL RESEARCH FEE IS WAIVED.
As a result, the Clerical Research fee on the chart titled “Fee Chart” within the Consumer Deposit Account Agreement isrevised as follows:
Account Fee
Description
Clerical Research(per hour, one-hourminimum)Standard Fee

Citi Priority

Citigold®

Citigold® Private
ClientWaivedWaivedWaivedWaivedEFFECTIVE DATE: OCTOBER 21, 2023
AMENDMENT: EFFECTIVE OCTOBER 21, 2023, THE FOLLOWING CHANGE IS MADE TO THE CONSUMER DEPOSITACCOUNT AGREEMENT:The “Longer Delays May Apply” section under “Appendix 2: Funds Availability at Citibank” within the Consumer Deposit
Account Agreement is deleted in its entirety and replaced with the following:

Longer Delays May Apply

In some cases, we may not make all of the funds that you deposit by check (excluding the special types of checks
described above) available by the first Business Day after the day of your deposit. Should this occur, you will be
provided with a notice describing when the funds will be available at the time of your deposit. If your deposit is notmade directly with a teller or we decide to take this action after you complete your deposit, we will send you a noticeby the next Business Day. If you will need the funds from a deposit right away, you should ask us when the funds
will be available. Depending on the total amount of your check deposits on any one day, the deposit amount may not
become fully available to you until the third Business Day after the day of the deposit as follows:
Total deposit amounts up to $5,525
Funds from all check deposits on any one day that total $5,525 or less will be available on the second Business Day
after the day of deposit. The first $225 of these check deposits will be available on the first Business Day after the day ofdeposit and the remainder of the deposit will be available on the second Business Day after the day of deposit.
Large dollar deposits greater than $5,525
If the total of your check deposits on any one day is greater than $5,525, the amount in excess of $5,525 will be available
on the third Business Day after the day of deposit.
Example• If you deposit a check (or multiple checks on any given day) that total(s) $10,000• The first $225 of your deposit will be available on the first Business Day after the day of deposit• An additional $5,300 will be available on the second Business Day• The remaining $ 4,475 will be available on the third Business Day.
We may also delay the full amount of your check deposits for a longer period (up to 7 Business Days) under thefollowing circumstances:• Doubt of collectability — If we have reason to believe the check you have deposited will not be paid; we may delay
availability of the funds represented by that check up to 7 Business Days. Should this occur, we will send you a deposit
hold notice no later than the next Business Day after we decide to take this action.

Page 15 of 16• Emergency Situations — If we are unable to conduct business due to an interruption of communications, computerequipment facilities or other emergency conditions beyond our control such as the impact of a natural disaster, we may
delay the availability of your deposited check up to 7 Business Days.

EFFECTIVE DATE: OCTOBER 3, 2023
AMENDMENT TO SECTION 3.3 HOW DO I JOIN A RELATIONSHIP TIER:
Effective immediately, the second paragraph in Section 3.3 How do I join a Relationship Tier is deleted in its entirety andreplaced with the following:
Only customers who did not own a Citibank Checking, Savings, CD, IRA, or investment account (investment accounts
are offered through CGMI) in the 30 calendar days prior to opening their new EDI account (“New to Relationship”
customers) can choose their Relationship Tier when opening their new EDI account. New to Relationship customers
interested in opening a new deposit account in the Citigold Private Client Relationship Tier must apply with a banker in abranch or over the phone.

All other terms and conditions of the Citibank® Consumer Deposit Account Agreement remain in full force and effect.
Terms, conditions and fees for accounts, products, programs and services are subject to change.
© 2024 Citibank, N.A. Member FDIC. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup
Inc. or its affiliates, used and registered throughout the world. All rights reserved.
AMD: 425, 441, 443, 474, 495, 496, 498, 504, 506, 526, 529, 542, 543, 563, 569, 573, 576, 580, 590, 591, 592, 605, 608, 612, 613, 625, 629

Page 16 of 16