# EDGAR Filing Document

**Accession Number:** 0000921864
**File Stem:** 0001193125-25-144496
**Filing Date:** 2025-6
**Character Count:** 27952
**Document Hash:** c564a2ea91b138a82cd29c6bada29f66
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-25-144496.hdr.sgml**: 20250623

**ACCESSION NUMBER**: 0001193125-25-144496

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 3

**CONFORMED PERIOD OF REPORT**: 20250618

**ITEM INFORMATION**: Other Events

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20250623

**DATE AS OF CHANGE**: 20250623

**ABS ASSET CLASS**: Credit card

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** CITIBANK CREDIT CARD ISSUANCE TRUST
- **CENTRAL INDEX KEY:** 0001108348
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 135266470
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 333-52984-03
- **FILM NUMBER:** 251064416

**BUSINESS ADDRESS:**
- **STREET 1:** C/O CITIBANK, N.A.
- **STREET 2:** 388 GREENWICH ST
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10013
- **BUSINESS PHONE:** 2125591000

**MAIL ADDRESS:**
- **STREET 1:** C/O CITIBANK, N.A.
- **STREET 2:** 388 GREENWICH ST
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10013
**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Citibank, N.A., as depositor of Citibank Credit Card Issuance Trust
- **CENTRAL INDEX KEY:** 0001522616
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 135266470
- **STATE OF INCORPORATION:** X1
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 333-145220-03
- **FILM NUMBER:** 251064418

**BUSINESS ADDRESS:**
- **STREET 1:** C/O CITIGROUP INC SEC DISCLOSURES LEGAL
- **STREET 2:** 388 GREENWICH ST 17TH FL
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10013
- **BUSINESS PHONE:** 2125591000

**MAIL ADDRESS:**
- **STREET 1:** C/O CITIGROUP INC SEC DISCLOSURES LEGAL
- **STREET 2:** 388 GREENWICH ST 17TH FL
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10013
**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** CITIBANK CREDIT CARD MASTER TRUST I
- **CENTRAL INDEX KEY:** 0000921864
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 135266470
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 333-80743-02
- **FILM NUMBER:** 251064417

**BUSINESS ADDRESS:**
- **STREET 1:** C/O CITIBANK, N.A.
- **STREET 2:** 388 GREENWICH ST
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10013
- **BUSINESS PHONE:** 2125591000

**MAIL ADDRESS:**
- **STREET 1:** C/O CITIBANK, N.A.
- **STREET 2:** 388 GREENWICH ST
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10013

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** STANDARD CREDIT CARD MASTER TRUST I
- **DATE OF NAME CHANGE:** 19940419

**UNITED STATES** 

**SECURITIES AND EXCHANGE COMMISSION** 

**Washington, D.C. 20549** 

**FORM 8-K** 

**Current Report** 

**Pursuant to Section 13 or 15(d)** 

**of the Securities Exchange Act of 1934** 

**Date of Report (Date of earliest event reported): June 18, 2025** 

## CITIBANK CREDIT CARD ISSUANCE TRUST
**(Issuing Entity in respect of the Notes)** 

**(Exact name of issuing entity as specified in its charter)** 

---

| | | | |
|:---|:---|:---|:---|
| **DELAWARE** | **333-283962** | **NOT APPLICABLE** | **0001108348** |
| **(State or other jurisdiction of incorporation or organization)** | **(Commission**<br> **file number)** | **(I.R.S. Employer**<br> **Identification No.)** | **(Central Index**<br> **Key Number)** |

---

## CITIBANK CREDIT CARD MASTER TRUST I
**(Issuing Entity in respect of the Collateral Certificate)** 

**(Exact name of issuing entity as specified in its charter)** 

---

| | | | |
|:---|:---|:---|:---|
| **NEW YORK** | **333-283962-02** | **NOT APPLICABLE** | **0000921864** |
| **(State or other jurisdiction of incorporation or organization)** | **(Commission**<br> **file number)** | **(I.R.S. Employer**<br> **Identification No.)** | **(Central Index**<br> **Key Number)** |

---

## CITIBANK, N.A.
**(Exact name of depositor and sponsor as specified in its charter)** 

---

| | | | |
|:---|:---|:---|:---|
| **UNITED STATES OF AMERICA** | **333-283962-01** | **13-5266470** | **0001522616** |
| **(State or other jurisdiction of incorporation or organization)** | **(Commission**<br> **file number)** | **(I.R.S. Employer**<br> **Identification No.)** | **(Central Index**<br> **Key Number)** |

---

---

| | |
|:---|:---|
| **388 Greenwich Street**<br> **New York, New York** | **10013** |
| **(Address of principal executive offices**<br> **of depositor and sponsor)** | **(Zip Code)** |

---

**Registrant's telephone number, including area code: (212) 559-1000** 

**(Former name or former address, if changed since last report): Not Applicable** 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) 

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) 

**Securities registered pursuant to Section 12(b) of the Act:** 

---

| | | |
|:---|:---|:---|
| **Title of each class** | **Trading**<br> **Symbol(s)** | **Name of each exchange**<br> **on which registered** |
| **None** |  |  |

---

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

------

---

| | |
|:---|:---|
| **Item 8.01** | **Other Events.**  |

---

On or about June 26, 2025, Citibank Credit Card Issuance Trust expects to issue a tranche of Notes of the Citiseries entitled 4.49% Class 2025-A2 Notes of June 2030 (Legal Maturity Date June 2032) in the principal amount of $750,000,000.

On the issuance date of the Class 2025-A2 Notes, the Issuing Entity will execute the Terms Document, which sets forth certain terms of the Class 2025-A2 Notes. An unexecuted copy of the Terms Document is attached hereto as Exhibit 4.1.

In connection with the issuance of the Class 2025-A2 Notes, the Chief Executive Officer of Citibank, N.A. has signed a Depositor Certification for Shelf Offerings of Asset-Backed Securities, dated June 18, 2025, which is attached hereto as Exhibit 36.1.

---

| | |
|:---|:---|
| **Item 9.01** | **Financial Statements and Exhibits.**  |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Exhibits.

The following exhibits are filed herewith:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.1 [Unexecuted copy of the Terms Document for the Class 2025-A2 Notes](d94405dex41.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;36.1 [Depositor Certification for Shelf Offerings of Asset-Backed Securities, dated June 18, 2025, with respect to the Class 2025-A2 Notes](d94405dex361.htm)

------

**<u>SIGNATURES</u>**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | |
|:---|:---|
| CITIBANK, N.A., | CITIBANK, N.A., |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; as Depositor of Citibank Credit Card Issuance Trust | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; as Depositor of Citibank Credit Card Issuance Trust |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; and Citibank Credit Card Master Trust I | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; and Citibank Credit Card Master Trust I |
| (Registrant) | (Registrant) |
| By: | /s/ Elissa Steinberg |
|  | Elissa Steinberg |
|  | Vice President |

---

Dated: June 23, 2025

## Exhibit 4.1

EXHIBIT 4.1

**CITIBANK CREDIT CARD ISSUANCE TRUST** 

**Citiseries** 

**Class 2025-A2 Notes** 

Issuer Certificate

<u>Pursuant to Sections 202 and 301(h) of the Indenture</u> 

Reference is made to the Second Amended and Restated Indenture dated as of September 26, 2000, as amended and restated as of August 9, 2011, and as further amended and restated as of November 10, 2016, between Citibank Credit Card Issuance Trust (the "Issuer") and Deutsche Bank Trust Company Americas, as trustee (as so further amended and restated, the "Indenture"). Capitalized terms used herein that are not otherwise defined have the meanings set forth in the Indenture. All references herein to designated Sections are to the designated Sections of the Indenture.

Section 301(h) provides that the Issuer may from time to time create a tranche of Notes either by or pursuant to an Issuer Certificate setting forth the principal terms thereof. Pursuant to this Issuer Certificate, there is hereby created a tranche of Notes having the following terms:

**Series Designation**: Citiseries. This series is included in Group 1.

**Tranche Designation**: $750,000,000 4.49% Class 2025-A2 Notes of June 2030 (Legal Maturity Date June 2032) (hereinafter, the "Class 2025-A2 Notes")

**Currency**: The Class 2025-A2 Notes will be payable, and denominated, in Dollars.

**Denominations**: The Class 2025-A2 Notes will be issuable in minimum denominations of $100,000 and multiples of $1,000 in excess of that amount.

**Issuance Date**: June 26, 2025

**Initial Principal Amount**: $750,000,000

**Issue Price**: 99.97013%

**Interest Rate**: 4.49% per annum, calculated on the basis of a 360 day year of twelve 30 day months.

**Scheduled Interest Payment Dates**: The 18th day of each June and December, beginning December 2025.

Each payment of interest on the Class 2025-A2 Notes will include all interest accrued from and including the preceding Interest Payment Date — or, for the first interest period, from and including the Issuance Date — to and including the day preceding the current Interest Payment Date, plus any interest accrued but not previously paid.

------

The first deposit targeted to be made to the Interest Funding sub-Account for the Class 2025-A2 Notes will be on the July 18, 2025 Interest Deposit Date and in an amount equal to $2,057,916.67.

**Expected Principal Payment Date**: June 18, 2030

**Legal Maturity Date**: June 21, 2032

**Monthly Principal Date:** For the month in which the Expected Principal Payment Date occurs, June 18, 2030, and for each other month, the 18th day of such month, or if such day is not a Business Day, the next following Business Day.

**Required Subordinated Amount of Class B Notes**: $44,871,825.00

**Required Subordinated Amount of Class C Notes**: $59,829,075.00

**Controlled Accumulation Amount**: $62,500,000.00

**Form of Notes**: The Class 2025-A2 Notes will be issued as Global Notes. The Global Notes will initially be registered in the name of Cede & Co., as nominee of The Depository Trust Company, and will be exchangeable for individual Notes only in accordance with the provisions of Section 204(c).

**Additional Issuances of Class 2025-A2 Notes**: The Issuer may at any time and from time-to-time issue additional Class 2025-A2 Notes, subject to the satisfaction of (i) the conditions precedent set forth in Section 311(a) and (ii) the following conditions:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The Issuer has obtained written confirmation from each Rating Agency that there will be no Ratings Effect with
respect to the then outstanding Class 2025-A2 Notes as a result of the issuance of such additional Class 2025-A2 Notes;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) As of the date of issuance of the additional Class 2025-A2 Notes,
all amounts due and owing to the Holders of the then outstanding Class 2025-A2 Notes have been paid and there is no Nominal Liquidation Amount Deficit with respect to the then outstanding Class 2025-A2 Notes;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) The additional Class 2025-A2 Notes will be fungible with the
original Class 2025-A2 Notes for federal income tax purposes;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) If Holders of the then outstanding Class 2025-A2 Notes have the
benefit of a Derivative Agreement, the Issuer will have obtained a Derivative Agreement for the benefit of the Holders of the additional Class 2025-A2 Notes; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) The ratio of the Controlled Accumulation Amount to the Initial Dollar Principal Amount of the Class 2025-A2 Notes, including the additional Class 2025-A2 Notes, will be equal to the ratio of the Controlled Accumulation Amount (before giving effect to the
additional issuance) to the Initial Dollar Principal Amount of the Class 2025-A2 Notes, excluding the additional Class 2025-A2 Notes.

------

As of the date of issuance of additional Class 2025-A2 Notes, the Outstanding Dollar Principal Amount and Nominal Liquidation Amount of the Class 2025-A2 Notes will be increased to reflect the Initial Dollar Principal Amount of the additional Class 2025-A2 Notes.

Any outstanding Class 2025-A2 Notes and any additional Class 2025-A2 Notes will be equally and ratably entitled to the benefits of the Indenture without preference, priority or distinction.

**Optional Redemption Provisions other than Section 1202 "Clean-Up Call"**: None

**Additional Early Redemption Events or changes to Early Redemption Events**: None

**Additional Events of Default or changes to Events of Default**: None

**Business Day**: means any day other than (a) a Saturday or Sunday or (b) any other day on which national banking associations or state banking institutions in New York, New York or South Dakota, or any other state in which the principal executive offices of any Additional Seller are located, are authorized or obligated by law, executive order or governmental decree to be closed.

**Securities Exchange Listing**: None

------

The Class 2025-A2 Notes shall have such other terms as are set forth in the form of Note attached hereto as Exhibit A. Pursuant to Section 202, the form of Note attached hereto has been approved by the Issuer.

---

| | |
|:---|:---|
| CITIBANK CREDIT CARD ISSUANCE TRUST | CITIBANK CREDIT CARD ISSUANCE TRUST |
| By | Citibank, N.A., |
|  | as Managing Beneficiary |
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Name] |
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Title] |

---

Dated: June 26, 2025

------

**Citiseries** 

**Class 2025-A2 Notes** 

Reference is made to the resolutions adopted by the Board of Directors of Citibank, N.A. on February 13, 2025. The resolutions authorize Citibank, N.A. from time to time to issue and sell, or to arrange for or participate in the issuance and sale of, one or more series and/or classes of pass-through certificates, participation certificates, commercial paper, notes, bonds or other securities representing ownership interests in, or backed or secured by, pools of credit card receivables or interests therein (the "Receivables") in an aggregate principal amount such that up to $55,000,000,000 of such certificates, commercial paper, notes, bonds or other securities are outstanding at any one time and to sell, transfer, convey, assign or pledge or grant a security interest in all or any portion of its Receivables to Citibank Credit Card Master Trust I, Citibank Omni Trust or any direct or indirect subsidiaries of Citibank, N.A., affiliates of Citigroup Inc., additional trusts or other entities or trustees in connection therewith on such terms as to be determined by the Citibank, N.A. Securitization Pricing and Loan Committee (the "Pricing and Loan Committee").

Issue Price: 99.97013%

Underwriting Commission: 0.30000%

Proceeds to Issuer: 99.67013%

Representative of the Underwriters: Citigroup Global Markets Inc.

The preceding Issuer Certificate and this certification of Pricing and Loan Committee approval shall be, continuously from the time of their execution, official records of Citibank, N.A.

---

| |
|:---|
|  [Name] |
| Member of the Securitization Pricing and Loan Committee |
|  Citibank, N.A. |

---

Dated: June 26, 2025

------

<u>Exhibit A</u> 

FORM OF

CITISERIES

4.49% CLASS 2025-A2 NOTES OF JUNE 2030

(Legal Maturity Date June 2032)

---

| | |
|:---|:---|
| $[ ],000,000 | REGISTERED |
| CUSIP No. 17305E HB4 | No. R- [1][2] |

---

UNLESS THIS NOTE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE ISSUER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY NOTE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.

THE PRINCIPAL OF THIS NOTE IS PAYABLE AS SET FORTH HEREIN AND IN THE INDENTURE REFERRED TO BELOW. ACCORDINGLY, THE OUTSTANDING PRINCIPAL AMOUNT OF THIS NOTE AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ON THE FACE HEREOF.

CITIBANK CREDIT CARD ISSUANCE TRUST

CITISERIES

4.49% CLASS 2025-A2 NOTES OF JUNE 2030

(Legal Maturity Date June 2032)

CITIBANK CREDIT CARD ISSUANCE TRUST, a trust formed and existing under the laws of the State of Delaware (including any successor, the "Issuer"), for value received, hereby promises to pay to CEDE & CO., or its registered assigns, the principal amount of [ ] HUNDRED MILLION DOLLARS ($[ ],000,000). The Expected Principal Payment Date for this Note is June 18, 2030. The Legal Maturity Date for this Note is June 21, 2032.

The Issuer hereby promises to pay interest on this Note on the 18th day of each June and December, beginning December 2025, until the principal of this Note is paid or made available for payment, subject to certain limitations set forth in the Indenture.

------

Interest will accrue on the outstanding principal amount of this Note for each interest period in an amount equal to the product of (i) the number of days in the interest period computed on the basis of a 360-day year of twelve 30-day months, (ii) a rate per annum equal to the Class 2025-A2 Note Rate for such interest period, and (iii) the outstanding principal amount of this Note as of the preceding Interest Payment Date (after giving effect to any payments of principal made on the preceding Interest Payment Date) or, with respect to the first Interest Payment Date, the initial principal amount of this Note. The Class 2025-A2 Note Rate will be determined as provided in the Indenture.

If any Interest Payment Date or Principal Payment Date of this Note falls on a day that is not a Business Day, the required payment of interest or principal will be made on the following Business Day.

This Note is one of the Citiseries, Class 2025-A2 Notes issued pursuant to the Second Amended and Restated Indenture dated as of September 26, 2000, as amended and restated as of August 9, 2011, and as further amended and restated as of November 10, 2016 (as so further amended and restated and otherwise modified from time to time, the "Indenture"), between the Issuer and Deutsche Bank Trust Company Americas, as Trustee. For purposes of this Note, the term "Indenture" includes any supplemental indenture or Issuer Certificate relating to the Citiseries, Class 2025-A2 Notes. This Note is subject to all of the terms of the Indenture. All terms used in this Note that are not otherwise defined herein and that are defined in the Indenture will have the meanings assigned to them therein.

The principal of and interest on this Note are payable in such coin or currency of the United States of America as at the time of payment is legal tender for payment of public and private debts.

Reference is made to the further provisions of this Note set forth on the reverse hereof, which will have the same effect as though fully set forth on the face of this Note.

Unless the certificate of authentication hereon has been executed by the Trustee whose name appears below by manual signature, this Note will not be entitled to any benefit under the Indenture, or be valid or obligatory for any purpose.

------

IN WITNESS WHEREOF, the Issuer has caused this instrument to be signed, manually or in facsimile, by an Issuer Authorized Officer.

---

| | | |
|:---|:---|:---|
|  CITIBANK CREDIT CARD ISSUANCE TRUST | CITIBANK CREDIT CARD ISSUANCE TRUST | CITIBANK CREDIT CARD ISSUANCE TRUST |
|  By: | CITIBANK, N.A., | CITIBANK, N.A., |
|  | as Managing Beneficiary of | as Managing Beneficiary of |
|  | Citibank Credit Card Issuance Trust | Citibank Credit Card Issuance Trust |
|  | By: |  |
|  |  | [Name] |
|  |  | [Title] |

---

Dated: June 26, 2025

TRUSTEE'S CERTIFICATE OF AUTHENTICATION

This is one of the Notes designated above and referred to in the within mentioned Indenture.

---

| | |
|:---|:---|
| DEUTSCHE BANK TRUST COMPANY AMERICAS, as Trustee under the Indenture | DEUTSCHE BANK TRUST COMPANY AMERICAS, as Trustee under the Indenture |
| By: |  |
|  | Authorized Signatory |

---

Dated: June 26, 2025

------

REVERSE OF NOTE

This Note is one of a duly authorized issue of Notes of the Issuer, designated as its Citiseries 4.49% Class 2025-A2 Notes of June 2030 (Legal Maturity Date June 2032) (herein called the "Notes"), all issued under an Indenture, to which Indenture reference is hereby made for a statement of the respective rights and obligations thereunder of the Issuer, the Trustee and the Holders of the Notes.

This Note ranks pari passu with all other Class A Notes of the same series, as set forth in the Indenture. This Note is secured to the extent, and by the collateral, described in the Indenture.

The Issuer will pay interest on overdue interest as set forth in the Indenture to the extent lawful.

Each Holder by acceptance of this Note, and each owner of a beneficial interest in this Note by acceptance of a beneficial interest in this Note, agrees that no recourse may be taken, directly or indirectly, with respect to the obligations of the Issuer or the Trustee on the Notes, against the Issuer, the Issuer Trustee, Citibank, N.A., the Trustee or any affiliate, officer, employee or director of any of them, and the obligation of the Issuer to pay principal of or interest on this Note or any other amount payable to the Holder of this Note will be subject to Article V of the Indenture.

Each Holder by acceptance of this Note, and each owner of a beneficial interest in this Note by acceptance of a beneficial interest in this Note, in each case other than Citibank, N.A. as Holder or owner, agrees that this Note is intended to be debt of Citibank, N.A. for federal, state and local income and franchise tax purposes, and agrees to treat this Note accordingly for all such purposes, unless otherwise required by a taxing authority.

Each Holder by acceptance of this Note, and each owner of a beneficial interest in this Note by acceptance of a beneficial interest in this Note, agrees that it will not at any time institute against the Issuer, or join in any institution against the Issuer of, any bankruptcy, reorganization, arrangement, insolvency or liquidation proceeding, or other proceedings under any United States federal or state bankruptcy or similar law in connection with any obligations relating to this Note, the Indenture or any Derivative Agreement.

This Note and the Indenture will be construed in accordance with and governed by the laws of the State of New York.

Certain amendments may be made to the Indenture without the consent of the Holder of this Note. This Note must be surrendered for final payment of principal and interest.

------

ASSIGNMENT

Social Security or taxpayer I.D. or other identifying number of assignee:____________________

FOR VALUE RECEIVED, the undersigned hereby sells, assigns and transfers unto

(name and address of assignee)

the within Note and all rights thereunder, and hereby irrevocably constitutes and appoints____________________________________________, attorney, to transfer said Note on the books kept for registration thereof, with full power of substitution in the premises.

Dated: ____________________________ _________________________\* <br> Signature Guaranteed:

\* NOTE: The signature to this assignment must correspond with the name of the registered owner as it appears on the face of the within Note in every particular without alteration, enlargement or any change whatsoever.

## Exhibit 36.1

EXHIBIT 36.1

**<u>CERTIFICATION</u>**

I, Sunil Garg, certify as of June 18, 2025 that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. I have reviewed the prospectus relating to the Citibank Credit Card Issuance Trust Citiseries Class 2025-A2 Notes (the "securities") and am familiar with, in all material respects, the following: The characteristics of the securitized assets underlying the offering (the "securitized assets"), the structure of the securitization, and all material underlying transaction agreements as described in the prospectus;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Based on my knowledge, the prospectus does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Based on my knowledge, the prospectus and other information included in the registration statement of which it is a part fairly present, in all material respects, the characteristics of the securitized assets, the structure of the securitization and the risks of ownership of the securities, including the risks relating to the securitized assets that would affect the cash flows available to service payments or distributions on the securities in accordance with their terms; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Based on my knowledge, taking into account all material aspects of the characteristics of the securitized assets, the structure of the securitization, and the related risks as described in the prospectus, there is a reasonable basis to conclude that the securitization is structured to produce, but is not guaranteed by this certification to produce, expected cash flows at times and in amounts to service scheduled payments of interest and the ultimate repayment of principal on the securities (or other scheduled or required distributions on the securities, however denominated) in accordance with their terms as described in the prospectus.

The foregoing certifications are given subject to any and all defenses available to me under the federal securities laws, including any and all defenses available to an executive officer that signed the registration statement of which the prospectus referred to in this certification is part.

Date: June 18, 2025

---

| | |
|:---|:---|
| By: | /s/ Sunil Garg |
|  | Name: Sunil Garg |
|  | Title: Chief Executive Officer, Citibank, N.A. |

---