b'CARD AGREEMENT\nThis Card Agreement is your contract with us. It governs the use of your card and account. The Supplemental Pricing\nInformation (\xe2\x80\x9cSupplement\xe2\x80\x9d) is part of this Agreement. Please read this Agreement, including the Supplement, carefully.\nKeep them for your records.\nDefinitions\naccount means the relationship established between you and us by this Agreement.\nAPR means an annual percentage rate.\nauthorized user means any person you allow to use your account.\nbalance transfer means use of a balance transfer offer, including use of a convenience check that accesses your\naccount for any transaction, or the transfer of a balance from another credit account to your account.\ncard means one or more cards or other access devices that we give you to get credit under this Agreement. This\nincludes account numbers.\ncard network means an organization, such as Mastercard\xc2\xae, Visa\xc2\xae and American Express\xc2\xae, that facilitates the payment\nprocess between a cardmember, merchants and a card issuer.\ncash advance means use of your card to get cash, including foreign currency, or for what we consider a cash-like\ntransaction. Examples include using your card for: getting money through ATM, home banking or a financial institution,\nwire transfers, money orders, traveler\xe2\x80\x99s checks, lottery tickets, gaming chips and other methods used for gambling,\nwagers and other betting transactions or use of a cash advance convenience check.\npurchase means use of your card to buy goods and services. Balance transfers and cash advances are not purchases.\nwe, us, and our mean Citibank, N.A., the issuer of your account. Citibank, N.A. is located in Sioux Falls, SD.\nyou, your, and yours mean the person who applied to open the account. It also means any other person responsible for\ncomplying with this Agreement.\nYour Account\nYou agree to use your account in accordance with this Agreement. You must pay us for all amounts due on your\naccount. This Agreement is binding on you unless you close your account within 30 days after receiving the card and\nyou have not used or authorized use of the card. Your account must only be used for lawful transactions.\nAuthorized Users. You may request cards for authorized users. You must pay us for any charges they make even if\nyou did not intend to be responsible for those charges. You agree that they may receive information about the account,\nsubject to any limitations we impose. You must tell us if you no longer want them to use your account.\nJoint Accounts. If this is a joint account, each of you is responsible individually and together for all amounts owed. Each\nof you is responsible even if the account is used by only one of you. You will continue to be liable for the entire balance of\nthe account, even if your co-applicant is ordered by a court to pay us. You will remain liable to us if your co-applicant fails\nto pay as ordered by the court. Your account status will continue to be reported to the credit bureau under each of your\nnames. The delivery of notices or billing statements to either of you serves as delivery to each of you. We may rely on\ninstructions given by either of you. We are not liable to either of you for relying upon such instructions.\nCredit Limit. Your initial credit limit will be sent to you with your credit card. After that, your credit limit appears on your\nbilling statement. The full amount of your credit limit is available to use where the card is honored. We will notify you\nseparately what part of your credit limit is available for cash advances. That part is called the cash advance limit. We\nmay reduce or increase your credit limit or cash advance limit at any time for any reason as permitted by law. We will\nnotify you of any change, but the change may take effect before you receive the notice. You should always keep your\ntotal balance below the credit limit. However, if the total balance goes over your credit limit you still must pay us. If your\naccount has a credit balance, we may reduce the credit balance by any new charges on your account. You may not\nmaintain a credit balance in excess of your credit limit.\nBalance Transfers. Balance transfers are an account feature. We may make them available to you at our discretion\nthrough offers. Balance transfers are subject to the same APR as regular purchases unless the offer tells you otherwise.\nChecks. We may provide you with convenience checks. When we do, we will tell you in writing whether they may be\nused for balance transfer transactions or cash advance transactions. If we tell you they may be used for balance transfer\ntransactions, any use will be a balance transfer transaction. You may use them to transfer a balance to your account or\nmake other transactions. If we tell you they may be used for cash advance transactions, any use will be a cash advance\ntransaction even if you use the check to make a payment to another creditor. You may not use convenience checks\n\n\x0cto pay an amount owed to us under this Agreement or to pay another account with us or an affiliate. We do not certify\nthese checks or return any checks that have been paid.\nBilling Statement. Your billing statement shows the New Balance. This is the total amount you owe us on the\nStatement Closing Date. To determine the New Balance, we begin with the total balance at the start of the billing cycle.\nWe add any purchases, balance transfers or cash advances. We subtract any credits or payments. We then add any\ninterest charges or fees and make other adjustments.\nWe deliver a billing statement to only one address. You must notify Customer Service of a change in address. We may\nstop sending you statements if we deem your account uncollectible or start collection proceedings; but we may continue\nto add interest and fees as permitted by law.\nAPRs\nVariable APRs Based on Prime. If any APR is based on the U.S. Prime Rate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d), the APR will equal the\nPrime Rate plus an additional amount. If the Prime Rate increases, it will cause the APR to increase. If the Prime Rate\ndecreases, it will cause the APR to decrease. For each billing cycle we use the Prime Rate published in The Wall Street\nJournal two business days before the Statement Closing Date. If the Prime Rate causes an APR to change, we put the\nnew APR into effect as of the first day of the billing cycle for which we calculate the APR. We apply the new APR to any\nexisting balances, subject to any promotional rate that may apply. If The Wall Street Journal does not publish the Prime\nRate, we will use a similar published rate.\nAPR for Purchases and Balance Transfers. See the Supplement.\nAPR for Cash Advances. See the Supplement.\nEffect of APR Increases. If an APR increases, interest charges increase. Your minimum payment may increase as well.\nPromotions\nWe may offer promotional terms for all or a part of any balances. Any promotional terms may apply for a limited period\nof time. They will be governed by the terms of the promotional offer and this Agreement. Your promotional terms will end\nwhen the promotional period expires. The promotional offer will tell you if we require a separate minimum payment on\nthe promotional balance.\nIf a promotional offer is a deferred interest offer, no interest charges will be imposed on the deferred interest balance\nif you pay the balance in full by the end of the promotional period for that deferred interest balance. We will impose\ninterest charges on the deferred interest balance at the APR for regular purchases from the date of purchase if you do\nnot pay the balance in full by the end of the promotional period.\nInterest Charges Based on APRs\nInterest Charges. We impose interest charges when we apply APRs to your account balances. We do this every day by\nusing a daily periodic rate. To get a daily periodic rate, we divide the APR by 365.\nWhen Interest Charges Begin. We begin to impose interest charges the first day we add a charge to a daily balance.\nThe charges we add to a daily balance include purchases, balance transfers, and cash advances. They also include\ninterest charges and fees. We continue to impose interest charges until we credit your account with full payment of the\ntotal amount you owe us.\nGrace Period on Purchases. You can avoid interest charges on purchases, but not on balance transfers and cash\nadvances. This is called a grace period on purchases. The grace period is at least 25 days. To get a grace period on\npurchases, you must pay the New Balance by the payment due date every billing cycle. If you do not, you will not get a\ngrace period until you pay the New Balance for two billing cycles in a row.\nIf you have a balance subject to a deferred interest promotion and that promotion does not expire before the payment\ndue date, that balance (an \xe2\x80\x9cexcluded balance\xe2\x80\x9d) is excluded from the amount you must pay in full to get a grace period on\na purchase balance other than an excluded balance. However, you must still pay any separately required payment on the\nexcluded balance. In billing cycles in which payments are allocated to deferred interest balances first, the deferred interest\nbalance will be reduced before any other balance on the account. However, you will continue to get a grace period on\npurchases, other than an excluded balance, so long as you pay the New Balance (less any excluded balance, plus any\nseparately required payment on an excluded balance) in full by the payment due date each billing cycle. In addition, certain\npromotional offers not described above may also allow you to have a grace period on purchases without having to pay all\nor a portion of the promotional balance by the payment due date. If that is the case, the promotional offer will describe what\nhappens.\nCalculation of Interest Charges \xe2\x80\x93 Daily Balance Method (Including Current Transactions). We calculate interest\ncharges each billing cycle. To do this:\n\n\x0c\xe2\x80\xa2 We start with each of your different balances. These balances include, for example, regular purchases, regular cash\nadvances, and different promotional balances. (When we calculate interest charges, we treat each deferred interest\ntransaction separately even if it has the same terms as another deferred interest transaction.)\n\xe2\x80\xa2 We calculate the daily balance for each of your different balances. To get a daily balance, we start with the balance\nas of the end of the previous day. We add any interest charge on the previous day\xe2\x80\x99s balance. (This results in daily\ncompounding of interest charges.) We add any new charges. We then subtract any new credits or payments.\n\xe2\x80\xa2 We multiply each daily balance by the daily periodic rate that applies to it. We do this for each day in the billing cycle. This\ngives us the daily interest charges for each of your different balances.\n\xe2\x80\xa2 We add up all the daily interest charges. The sum is the total interest charge for the billing cycle.\n\xe2\x80\xa2 You authorize us to round interest charges to the nearest cent.\nWhen we calculate daily balances, we add a purchase, balance transfer, or cash advance as of the Transaction Date.\n(The Transaction Date for a balance transfer or cash advance is the date we get a request to complete a transaction.\nWhen you send a convenience check directly to someone, the Transaction Date is the date we receive the check\nfor payment. The Transaction Date is on the billing statement.) We add a transaction fee to the same balance as the\ntransaction. We generally add other fees to the regular purchase balance. We add any remaining balance from a\nbalance transfer at a promotional APR to the regular purchase balance. We do this on the day after the promotional\nperiod expires. We subtract a payment or credit as of the day it is credited to the account and then make other\nadjustments. We treat a credit balance as a balance of zero.\nMinimum Interest Charge. If we charge you interest, the charge will be no less than $2. We add the charge to the\nregular purchase balance or allocate it among one or more of the balances that accrues interest.\nBalance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each\ndifferent balance. The Balance Subject to Interest Rate is the average of the daily balances during the billing cycle. A\nbilling cycle begins on the day after the Statement Closing Date of the previous billing cycle. It includes the Statement\nClosing Date of the current billing cycle.\nFees\nTransaction Fee for Cash Advances. For each cash advance we add a transaction fee of 5% of the amount of the\ncash advance, but not less than $10.\nTransaction Fee for Balance Transfers. For each balance transfer we add a transaction fee of 5% of the amount\nof the balance transfer, but not less than $10. This fee is in addition to any periodic fee that may be imposed with a\npromotional offer.\nTransaction Fee for Purchases in Foreign Currency. We charge you a fee of 3% of the U.S. dollar amount of each\npurchase made in a currency other than U.S. dollars, regardless of where the transaction takes place or who the\nmerchant is.\nLate Fee. We may add a late fee for each billing cycle in which you have a past due payment. For late fee purposes,\nyou have a past due payment any time you fail to pay the Minimum Payment Due (less the Amount Over Credit Limit\nshown on your billing statement) by the payment due date. The fee will be $29; or $40 for any additional past due\npayment during the next six billing cycles after a past due payment. However, the fee will not exceed the amount\npermitted by law. We add this fee to the regular purchase balance.\nReturned Payment Fee. We may add a returned payment fee for a returned payment. A returned payment is an\nelectronic debit, payment check, or similar payment instrument, that is returned unpaid. We may add this fee the first\ntime your payment is returned, even if it is not returned upon resubmission. The fee will be $29; or $40 for any additional\nreturned payment during the next six billing cycles after a returned payment. However, the fee will not exceed the\namount permitted by law. We add this fee to the regular purchase balance.\nInformation on Foreign Currency Conversion\nForeign Currency Conversion \xe2\x80\x94 Purchases. A card network converts the amount of a purchase in a foreign currency\ninto U.S. dollars. Each card network follows its own procedures for conversion. These procedures include how the card\nnetwork chooses an exchange rate and when to do the conversion. For example, Visa chooses either a governmentmandated exchange rate or chooses from a range of rates available on wholesale currency markets (and, in either case,\nthe exchange rate that it chooses may be less favorable than the rate that Visa itself receives when it makes foreign\ncurrency transactions). Depending on the policies of each card network, the exchange rate chosen may be the one in\neffect on the day the card network does the conversion, or on the day before. The exchange rate that a card network\nuses to convert the purchase to U.S. dollars may differ from the rate in effect on the date you made the purchase or on\nthe transaction date for that purchase shown on your statement. The card network\xe2\x80\x99s procedures may change without\nnotice.\n\n\x0cIf a third party, such as a merchant, converts the amount of a purchase into U.S. dollars before sending the purchase to\na card network, the third party chooses the conversion rate instead of the Card Network.\nForeign Currency Conversion \xe2\x80\x94 Cash Advances. If you take a cash advance in a foreign currency at an ATM or branch\nof a financial institution, it may not be the card network in all instances that converts the transaction into U.S. dollars.\nInstead, depending on where the transaction takes place, another third party, such as a financial institution, ATM network,\nor ATM operator, may do the conversion. We do not control this. However, if you use your card for a cash advance at a\nCitibank ATM or branch, then we or our affiliates may do the conversion.\nThe party that converts a cash advance to U.S. dollars will choose the exchange rate and when to do the conversion.\nThe exchange rate in effect on the date the cash advance is converted to U.S. dollars may differ from the rate in effect\non the date you took the cash advance or the transaction date for that transaction shown on your statement. The\nexchange rate may also differ from any rate quoted to you when you made the transaction.\nPayments\nMaking Payments. You may pay all or part of your account balance at any time. However, you must pay at least the\nMinimum Payment Due by the payment due date each billing cycle. The sooner you pay the New Balance, the less you\nwill pay in interest charges.\nTo calculate the Minimum Payment Due, we begin with any past due amount. We add any amount in excess of your\ncredit limit. We add any additional amount specified in a promotional offer. We add any amount required by the\nPromotion Calculation. We also add the largest of the following:\n\xe2\x80\xa2 The Calculated New Balance if it is less than $29;\n\xe2\x80\xa2 $29 if the Calculated New Balance is at least $29; or\n\xe2\x80\xa2 1% of the Calculated New Balance plus the amount of your billed interest charges on that balance, any minimum interest\ncharge allocated to that balance, and any applicable late fee (the result is rounded up to the nearest dollar). However,\nwe subtract interest charges that accrued during prior billing cycles on a deferred interest balance that ended during the\nbilling cycle covered by the statement.\nThe Calculated New Balance equals the New Balance on the billing statement less any balances subject to the\nPromotion Calculation, or promotional terms that require an additional amount as part of the Minimum Payment Due.\nIf you have a deferred interest balance subject to the Promotion Calculation, the Promotion Calculation will equal 1% of this\nbalance during the promotion period. (The result is rounded up to the nearest cent.) After the promotion period, any such\nremaining promotional balance will be included in the Calculated New Balance. The Promotion Calculation will apply if,\nbased on the amount of the transaction as shown on the first statement that displays the transaction and the dollar amount\nin the Minimum Payment Due calculation in effect at the time of the transaction, we determined that paying such dollar\namount each billing cycle would result in repayment of the promotional balance before the end of the promotion period.\nThe Minimum Payment Due may reflect adjustments to the New Balance. The Minimum Payment Due is never more\nthan the Calculated New Balance plus two amounts. The first is any amount required by a promotional offer. The second\nis any amount required by the Promotion Calculation.\nApplication of Payments. Payments in excess of the Minimum Payment Due are applied in accordance with law. This\nmeans that we will generally apply payments in excess of the Minimum Payment Due to higher APR balances first.\nHowever, excess payments received before a deferred interest promotion expires are applied to the deferred interest\npromotional balance first in the last two billing cycles of the promotional period. And, if the expiration date of a deferred\ninterest promotion is before the payment due date in the billing cycle in which the deferred interest promotion expires,\nexcess payments received before the deferred interest promotion expires are applied to the deferred interest promotional\nbalance first in the last three billing cycles of the promotional period. Payments equal to or less than the Minimum Payment\nDue and credits are applied at our discretion and you authorize us to apply payments and credits in a way that is most\nfavorable or convenient for us. This may include applying such payments and credits to lower APR balances first.\nPayment Instructions. We credit your payments in accordance with our payment instructions on the billing statement.\nYou must pay us in U.S. dollars. To do so, you must use a check, similar instrument, or electronic debit that is drawn on\nand honored by a bank in the U.S. Do not send cash. We can accept late or partial payments, or payments that reflect\n\xe2\x80\x9cpaid in full\xe2\x80\x9d or other restrictive endorsements, without losing our rights. We also reserve the right to accept payments\nmade in foreign currency and instruments drawn on funds on deposit outside the U.S. If we do, we select the currency\nconversion rate. We will then credit your account in U.S. dollars after deducting any costs incurred in processing your\npayment. Or we may bill you separately for these costs.\nCredit Reporting\nWe may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on\n\n\x0cyour account may be reflected in your credit report. We may report account information in your name and the names of\nauthorized users. We may also obtain follow-up credit reports on you.\nIf you think we reported incorrect information to a credit bureau, write us at the Customer Service address on the billing\nstatement. We will investigate the matter. We will then tell you if we agree or disagree with you. If we agree with you, we\nwill contact each credit bureau to which we reported and request a correction. If we disagree with you, we will tell you that.\nInformation Sharing\nYou authorize us to share information about you as permitted by law. This includes information we get from you and\nothers. It also includes information about your transactions with us. Please see our Privacy Notice for details about our\ninformation sharing practices.\nChanges to this Agreement\nWe may change the rates, fees, and terms of this Agreement from time to time as permitted by law. The\nchanges may add, replace, or remove provisions of this Agreement. We will give you advance written notice of\nthe changes and a right to opt out to the extent required by law.\nDefault\nYou default under this Agreement if you fail to pay the Minimum Payment Due by its due date; go over your credit limit;\npay by a check or similar instrument that is not honored or that we must return because it cannot be processed; pay\nby electronic debit that is returned unpaid; file for bankruptcy; or fail to comply with the terms of this Agreement. If you\ndefault, we may close your account and, to the extent permitted by law, demand immediate payment of the total balance.\nRefusal of the Card, Closed Accounts, and Related Provisions\nRefusal of the Card. We do not guarantee approval of transactions. We are not liable for transactions that are not\napproved. That is true even if you have enough credit. We may limit the number of transactions approved in one day. If\nwe detect unusual or suspicious activity, we may suspend your credit privileges.\nPreauthorized Charges. We may suspend any automatic or other preauthorized card charges you arrange with a third\nparty. We may do this if you default; if the card is lost or stolen; or we change your account for any reason. If we do this,\nyou are responsible for paying the third party directly if you wish to do so. You are also responsible for reinstating the\npreauthorized charges if you wish to do so and we permit it.\nLost or Stolen Cards, Account Numbers, or Convenience Checks. You must call us if any card, account number, or\ncheck is lost or stolen. You must also call us if you think someone used or may use them without permission. When you\ncall, we may require you to provide information to help our investigation. We may require you to provide this information\nin writing. For example, we may ask you to identify any charges that were not made by you or someone authorized by\nyou. We may also ask you to confirm that you received no benefit from those charges.\nClosing Your Account. You may close your account by notifying us in writing or over the phone. If you close your\naccount, you must still repay the total balance in accordance with this Agreement. We may also close your account or\nsuspend account privileges at any time for any reason. We may do this without prior notice to you. We may also reissue\na different card at any time. You must return any card to us upon request.\nProtections For Active Duty Service Members and Their Dependents\nProtections. Federal law provides important protections to members of the Armed Forces and their dependents relating\nto extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or\nher dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the\ncredit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold\nin connection with the credit transaction; any application fee charged (other than certain application fees for specified\ncredit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card\naccount). You are entitled to these protections if you are a Covered Borrower, as defined below.\nCovered Borrower. You are a Covered Borrower if, in connection with the opening of your account, we determine you are\nan active duty member of the Armed Forces (including active Guard and Reserve duty) or a dependent of an active duty\nmember. You will cease to be a Covered Borrower if we determine you are no longer an active duty member of the Armed\nForces (including active Guard and Reserve duty) or a dependent of an active duty member.\nOral Disclosures. If you are a Covered Borrower, you may obtain information related to your account, including\ninformation about these protections and your payment obligation, by calling 1-877-625-6379 (TTY: Use 711 or other\nRelay Service).\nArbitration. The section of the Card Agreement entitled \xe2\x80\x9cARBITRATION\xe2\x80\x9d does not apply if you are a Covered\nBorrower at the time your account is opened.\n\n\x0cARBITRATION\nPLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY.\nTHIS SECTION PROVIDES THAT DISPUTES MAY BE RESOLVED BY BINDING ARBITRATION. ARBITRATION\nREPLACES THE RIGHT TO GO TO COURT, HAVE A JURY TRIAL OR INITIATE OR PARTICIPATE IN A CLASS\nACTION. IN ARBITRATION, DISPUTES ARE RESOLVED BY AN ARBITRATOR, NOT A JUDGE OR JURY.\nARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN IN COURT. THIS ARBITRATION\nPROVISION IS GOVERNED BY THE FEDERAL ARBITRATION ACT (FAA), AND SHALL BE INTERPRETED IN THE\nBROADEST WAY THE LAW WILL ALLOW.\nCovered claims\n\xe2\x80\xa2 You or we may arbitrate any claim, dispute or controversy between you and us arising out of or related to your account,\na previous related account or our relationship (called \xe2\x80\x9cClaims\xe2\x80\x9d).\n\xe2\x80\xa2 If arbitration is chosen by any party, neither you nor we will have the right to litigate that Claim in court or have a\njury trial on that Claim.\nExcept as stated below, all Claims are subject to arbitration, no matter what legal theory they\xe2\x80\x99re based on or what remedy\n(damages, or injunctive or declaratory relief) they seek, including Claims based on contract, tort (including intentional\ntort), fraud, agency, your or our negligence, statutory or regulatory provisions, or any other sources of law; Claims made\nas counterclaims, cross-claims, third-party claims, interpleaders or otherwise; Claims made regarding past, present, or\nfuture conduct; and Claims made independently or with other claims. This also includes Claims made by or against anyone\nconnected with us or you or claiming through us or you, or by someone making a claim through us or you, such as a\nco-applicant, authorized user, employee, agent, representative or an affiliated/parent/subsidiary company.\nArbitration limits\n\xe2\x80\xa2 Individual Claims filed in a small claims court are not subject to arbitration, as long as the matter stays in small claims\ncourt.\n\xe2\x80\xa2 We won\xe2\x80\x99t initiate arbitration to collect a debt from you unless you choose to arbitrate or assert a Claim against us. If you\nassert a Claim against us, we can choose to arbitrate, including actions to collect a debt from you. You may arbitrate on\nan individual basis Claims brought against you, including Claims to collect a debt.\n\xe2\x80\xa2 Claims brought as part of a class action, private attorney general or other representative action can be arbitrated only\non an individual basis. The arbitrator has no authority to arbitrate any claim on a class or representative basis and\nmay award relief only on an individual basis. If arbitration is chosen by any party, neither you nor we may pursue a\nClaim as part of a class action or other representative action. Claims of 2 or more persons may not be combined in the\nsame arbitration. However, applicants, co-applicants, authorized users on a single account and/or related accounts, or\ncorporate affiliates are here considered as one person.\nHow arbitration works\n\xe2\x80\xa2 Arbitration shall be conducted by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) according to this arbitration provision and\nthe applicable AAA arbitration rules in effect when the claim is filed (\xe2\x80\x9cAAA Rules\xe2\x80\x9d), except where those rules conflict with\nthis arbitration provision. You can obtain copies of the AAA Rules at the AAA\xe2\x80\x99s website (www.adr.org) or by calling 800778-7879 (TTY: Use 711 or other Relay Service). You or we may choose to have a hearing, appear at any hearing by\nphone or other electronic means, and/or be represented by counsel. Any in-person hearing will be held in the same city\nas the U.S. District Court closest to your billing address.\n\xe2\x80\xa2 Arbitration may be requested any time, even where there is a pending lawsuit, unless a trial has begun or a final\njudgment entered. Neither you nor we waive the right to arbitrate by filing or serving a complaint, answer, counterclaim,\nmotion, or discovery in a court lawsuit. To choose arbitration, a party may file a motion to compel arbitration in a\npending matter and/or commence arbitration by submitting the required AAA forms and requisite filing fees to the AAA.\n\xe2\x80\xa2 The arbitration shall be conducted by a single arbitrator in accord with this arbitration provision and the AAA Rules,\nwhich may limit discovery. The arbitrator shall not apply any federal or state rules of civil procedure for discovery,\nbut the arbitrator shall honor claims of privilege recognized at law and shall take reasonable steps to protect account\ninformation and other confidential information of either party if requested to do so. The arbitrator shall apply applicable\nsubstantive law consistent with the FAA and applicable statute of limitations, and may award damages or other relief\nunder applicable law.\n\xe2\x80\xa2 The arbitrator shall make any award in writing and, if requested by you or us, may provide a brief statement of the\nreasons for the award. An arbitration award shall decide the rights and obligations only of the parties named in the\narbitration, and shall not have any bearing on any other person or dispute.\n\n\x0cPaying for arbitration fees\n\xe2\x80\xa2 We will pay your share of the arbitration fee for an arbitration of Claims of $75,000 or less if they are unrelated to debt\ncollection. Otherwise, arbitration fees will be allocated according to the applicable AAA Rules. If we prevail, we may not\nrecover our arbitration fees, unless the arbitrator decides your Claim was frivolous. All parties are responsible for their\nown attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or expenses to you or\nus based on applicable law.\nThe final award\n\xe2\x80\xa2 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.\nThe arbitration appeal shall be determined by a panel of 3 arbitrators. The panel will consider all facts and legal issues\nanew based on the same evidence presented in the prior arbitration, and will make decisions based on a majority vote.\nArbitration fees for the arbitration appeal shall be allocated according to the applicable AAA Rules. An award by a panel\non appeal is final. A final award is subject to judicial review as provided by applicable law.\nSurvival and Severability of Terms\nThis arbitration provision shall survive changes in this Agreement and termination of the account or the relationship\nbetween you and us, including the bankruptcy of any party and any sale of your account, or amounts owed on your\naccount, to another person or entity. If any part of this arbitration provision is deemed invalid or unenforceable, the other\nterms shall remain in force, except that there can be no arbitration of a class or representative Claim. This arbitration\nprovision may not be amended, severed or waived, except as provided in this Agreement or in a written agreement\nbetween you and us.\nRules for rejecting this arbitration provision\nYou may reject this arbitration provision by sending a written rejection notice to us at: P.O. Box 790340, St. Louis,\nMO 63179. Your rejection notice must be mailed within 45 days of account opening. Your rejection notice must state\nthat you reject the arbitration provision and include your name, address, account number and personal signature. No\none else may sign the rejection notice. Your rejection notice will not apply to the arbitration provision(s) governing any\nother account(s) that you have or had with us. Rejection of this arbitration provision won\xe2\x80\x99t affect your other rights or\nresponsibilities under this Agreement, including use of the account.\nGoverning Law and Enforcing our Rights\nGoverning Law. Federal law and the law of South Dakota, where we are located, govern the terms and enforcement of\nthis Agreement.\nEnforcing this Agreement. We will not lose our rights under this Agreement because we delay in enforcing them or fail\nto enforce them.\nCollection Costs. To the extent permitted by law, you are liable to us for our legal costs if we refer collection of your\naccount to a lawyer who is not our salaried employee. These costs may include reasonable attorneys\xe2\x80\x99 fees. They may\nalso include costs and expenses of any legal action.\nAssignment. We may assign any or all of our rights and obligations under this Agreement to a third party.\nFor Further Information\nCall us toll-free for further information. Call the toll-free Customer Service telephone number shown on the billing\nstatement or on the back of your card. You can also call local or toll-free Directory Assistance to get our telephone\nnumber.\nYour Billing Rights:\nKeep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the address for billing inquiries and correspondence shown\non the front of your statement.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\n\n\x0cYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any\npotential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have\nalready corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is\ncorrect.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and\nfees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as\ndelinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you\nstill refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your\nbill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations\nknow when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill\nis correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in\ngood faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on\nan advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the address for\nbilling inquiries and correspondence shown on the front of your statement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as\ndelinquent.\n\xc2\xa9 2021 Citibank, N.A.\n\nMMC-0721\n\n\x0c'


b'CARD AGREEMENT\nThis Card Agreement is your contract with us. It governs the use of your card and account. The Supplemental Pricing\nInformation (\xe2\x80\x9cSupplement\xe2\x80\x9d) is part of this Agreement. Please read this Agreement, including the Supplement, carefully.\nKeep them for your records.\nDefinitions\naccount means the relationship established between you and us by this Agreement.\nAPR means an annual percentage rate.\nauthorized user means any person you allow to use your account.\ncard means one or more cards or other access devices that we give you to get credit under this Agreement. This includes\naccount numbers.\nwe, us, and our mean Citibank , N.A., the issuer of your account. Citibank, N.A. is located in Sioux Falls, SD.\nyou, your, and yours mean the person who applied to open the account. It also means any other person responsible for\ncomplying with this Agreement.\nYour Account\nYou agree to use your account in accordance with this Agreement. You must pay us for all amounts due on your account.\nThis Agreement is binding on you unless you close your account within 30 days after receiving the card and you have not\nused or authorized use of the card. Your account must only be used for lawful transactions.\nConsumer Purpose Only. Your account must be used only for personal, family, or household purposes. You agree that you\nwill not use your account for business or commercial purposes. However, you still must pay us for any use of the account\nfor business or commercial purposes by you or authorized users. You must pay us whether or not that use benefited you.\nAuthorized Users. You may request additional cards for authorized users. You must pay us for any charges they make\neven if you did not intend to be responsible for those charges. You agree that they may receive information about the\naccount, subject to any limitations we impose. You must tell us if you no longer want them to use your account.\nJoint Accounts. If this is a joint account, each of you is responsible individually and together for all amounts owed. Each\nof you is responsible even if the account is used by only one of you. You will continue to be liable for the entire balance of\nthe account, even if your co-applicant is ordered by a court to pay us. You will remain liable to us if your co-applicant fails to\npay as ordered by the court. Your account status will continue to be reported to the credit bureau under each of your names.\nThe delivery of notices or billing statements to either of you serves as delivery to each of you. We may rely on instructions\ngiven by either of you. We are not liable to either of you for relying upon such instructions.\nCredit Limit. Your initial credit limit is on the card carrier. After that, your credit limit appears on your billing statement.\nThe full amount of your credit limit is available to use where the card is honored. Part of your credit limit is called the cash\nadvance limit. It is available for cash advances. We may reduce or increase your credit limit or cash advance limit at any\ntime for any reason as permitted by law. We will notify you of any change, but the change may take effect before you receive\nthe notice. You should always keep your total balance below the credit limit. However, if the total balance goes over your\ncredit limit you still must pay us. If your account has a credit balance, we may reduce the credit balance by any new charges\non your account. You may not maintain a credit balance in excess of your credit limit.\nChecks. We may provide you with convenience checks. You may use them to get a cash advance. Use of a convenience\ncheck will be a cash advance, even if you use the check to make a payment to another creditor. You may not use convenience\nchecks to pay an amount owed to us under this Agreement or to pay another account with us or an affiliate. We do not\ncertify these checks or return any checks that have been paid.\nBilling Statement. Your billing statement shows the New Balance. This is the total amount you owe us on the Statement\nClosing Date. To determine the New Balance, we begin with the total balance at the start of the billing cycle. We add any\npurchases or cash advances. We subtract any credits or payments. We then add any interest charges or fees and make\nother adjustments.\nYour billing statement also shows your transactions; the Minimum Payment Due and payment due date; your credit limit and\ncash advance limit; and your interest charges and fees.\nWe deliver a billing statement to only one address. You must notify Customer Service of a change in address. We may stop\nsending you statements if we deem your account uncollectible or start collection proceedings; but we may continue to add\ninterest and fees as permitted by law.\n\n\x0cAPRs\nVariable APRs Based on Prime. See the Supplement for information about the APR(s) that apply to your account. If\nany APR is based on the U.S. Prime Rate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d), the APR will equal the Prime Rate plus an additional amount.\nThe additional amount appears on the Fact Sheet on the Supplement. If the Prime Rate increases, it will cause the APR\nto increase. If the Prime Rate decreases, it will cause the APR to decrease. For each billing cycle we use the Prime Rate\npublished in The Wall Street Journal two business days before the Statement Closing Date. If the Prime Rate causes an\nAPR to change, we put the new APR into effect as of the first day of the billing cycle for which we calculate the APR. We\napply the new APR to any existing balances, subject to any promotional rate that may apply. If The Wall Street Journal does\nnot publish the Prime Rate, we will use a similar published rate.\nEffect of APR Increases. If an APR increases, interest charges increase. Your minimum payment may increase as well.\nPromotions\nWe may offer promotional terms for all or a part of any balances. Any promotional terms may apply for a limited period of\ntime. They will be governed by the terms of the promotional offer and this Agreement. Your promotional terms will end when\nthe promotional period expires.\nIf a promotional offer is a deferred interest offer, no interest charges will be imposed on the deferred interest balance if\nyou pay the balance in full by the end of the promotional period for that deferred interest balance. We will impose interest\ncharges on the deferred interest balance at the APR for regular purchases from the date of purchase if you do not pay the\nbalance in full by the end of the promotional period.\nInterest Charges Based on APRs\nInterest Charges. We impose interest charges when we apply APRs to your account balances. We do this every day by\nusing a daily periodic rate. To get a daily periodic rate, we divide the APR by 365.\nWhen Interest Charges Begin. We begin to impose interest charges the first day we add a charge to a daily balance. The\ncharges we add to a daily balance include purchases and cash advances. They also include interest charges and fees. We\ncontinue to impose interest charges until we credit your account with full payment of the total amount you owe us.\nGrace Period on Purchases. You can avoid interest charges on purchases, but not on cash advances. This is called a\ngrace period on purchases. The grace period is at least 25 days. To get a grace period on purchases, you must pay the\nNew Balance by the payment due date every billing cycle. If you do not, you will not get a grace period until you pay the\nNew Balance for two billing cycles in a row.\nIf you have a balance subject to a deferred interest or a 0% APR promotion and that promotion does not expire before the\npayment due date, that balance (an \xe2\x80\x9cexcluded balance\xe2\x80\x9d) is excluded from the amount you must pay in full to get a grace\nperiod on a purchase balance other than an excluded balance. However, you must still pay any separately required payment\non the excluded balance. In billing cycles in which payments are allocated to deferred interest balances first, the deferred\ninterest balance will be reduced before any other balance on the account. However, you will continue to get a grace period\non purchases, other than an excluded balance, so long as you pay the New Balance (less any excluded balance, plus any\nseparately required payment on an excluded balance) in full by the payment due date each billing cycle.\nIn addition, certain promotional offers may take away the grace period on purchases. Other promotional offers not described\nabove may also allow you to have a grace period on purchases without having to pay all or a portion of the promotional\nbalance by the payment due date. If either is the case, the promotional offer will describe what happens.\nCalculation of Interest Charges\xe2\x80\x94Daily Balance Method (Including Current Transactions). We calculate interest\ncharges each billing cycle. To do this:\n\xe2\x80\xa2 We start with each of your different balances. These balances include, for example, regular purchases, regular cash\nadvances, and different promotional balances. (When we calculate interest charges, we treat each deferred interest\ntransaction separately even if it has the same terms as another deferred interest transaction.)\n\xe2\x80\xa2 We calculate the daily balance for each of your different balances. To get a daily balance, we start with the balance\nas of the end of the previous day. We add any interest charge on the previous day\xe2\x80\x99s balance. (This results in daily\ncompounding of interest charges.) We add any new charges. We then subtract any new credits or payments.\n\xe2\x80\xa2 We multiply each daily balance by the daily periodic rate that applies to it. We do this for each day in the billing cycle.\nThis gives us the daily interest charges for each of your different balances.\n\xe2\x80\xa2 We add up all the daily interest charges. The sum is the total interest charge for the billing cycle.\n\xe2\x80\xa2 You authorize us to round interest charges to the nearest cent.\n\n\x0cWhen we calculate daily balances, we add a purchase or cash advance as of the Transaction Date. (The Transaction Date\nfor a cash advance is the date we get a request to complete a transaction. When you send a convenience check directly\nto someone, the Transaction Date is the date we receive the check for payment. The Transaction Date is on the billing\nstatement.) We add a transaction fee to the same balance as the transaction. We subtract a payment or credit as of the day\nit is credited to the account and then make other adjustments. We treat a credit balance as a balance of zero.\nMinimum Interest Charge. If we charge you interest, the Fact Sheet shows the minimum amount we will charge. We add\nthe charge to the regular purchase balance or allocate it among one or more of the balances that accrues interest.\nBalance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each\ndifferent balance. The Balance Subject to Interest Rate is the average of the daily balances during the billing cycle. A billing\ncycle begins on the day after the Statement Closing Date of the previous billing cycle. It includes the Statement Closing\nDate of the current billing cycle.\nFees\nTransaction Fee for Cash Advances. You take a cash advance if you use a con\xc2\xadven\xc2\xadience check; get money through\nan automated teller machine (ATM); or get money through home banking or a financial institution. You also take a cash\nadvance if you make a wire transfer; buy a money order, traveler\xe2\x80\x99s check, lottery ticket, casino chip, or similar item; or\nengage in a similar transaction. For each cash advance we add a transaction fee of 5% of the amount of the cash advance,\nbut not less than $10.\nTransaction Fee for Purchases in Foreign Currency. We charge you a fee of 3% each purchase made in a currency\nother than U.S. dollars, regardless of where the transaction takes place or who the merchant is.\nLate Fee. We may add a late fee for each billing cycle in which you have a past due payment. For late fee purposes, you\nhave a past due payment any time you fail to pay the Mini\xc2\xadmum Payment Due (less the Amount Over Credit Limit shown on\nyour billing statement) by the payment due date. The fee will be $29; or $40 for any additional past due payment during the\nnext six billing cycles after a past due payment. However, the fee will not exceed the amount permitted by law. We add this\nfee to the regular purchase balance.\nInformation on Foreign Currency Conversion\nOur network providers are Mastercard, Visa, and American Express. They convert transactions in foreign currencies into\nU.S. dollars. The type of card you have determines who does the conversion. Each network provider follows its own\nprocedures. Each network provider\xe2\x80\x99s current procedures are described below. The procedures may change from time to\ntime without notice.\n\xe2\x80\xa2 Mastercard uses a conversion rate in effect one day before its transaction processing date. It uses a governmentmandated rate if required to do so. If not, it uses a wholesale market rate.\n\xe2\x80\xa2 Visa uses a conversion rate in effect on its applicable central processing date. It uses a government-mandated rate if\nrequired to do so. If not, it selects from the range of rates available in wholesale currency markets. The selected rate\nmay vary from the rate Visa receives.\n\xe2\x80\xa2 American Express uses any conversion rate required by applicable law. If there is none, it uses the highest interbank\nrate it selects on the business day before the day it processes the transaction.\nA third party may convert a transaction into U.S. dollars or another currency before sending it to our network provider. In\nthese cases, the third party selects the conversion rate.\nIf you take a cash advance in a foreign currency at a branch or ATM of one of our affiliates, an affiliate of ours may convert\nit into U.S. dollars. This applies regardless of which network provider\xe2\x80\x99s card you use to take the cash advance. Our affiliate\ncurrently uses a conversion rate in effect on its processing date. It uses a government-mandated rate if required to do so. If\nnot, it uses a mid-point market rate. Our affiliate\xe2\x80\x99s procedure may change from time to time without notice.\nThe conversion rate you get is the one used on the transaction\xe2\x80\x99s processing date. This may be different from the one in\neffect on the transaction\xe2\x80\x99s Transaction Date or post date.\nPayments\nMaking Payments. You may pay all or part of your account balance at any time. However, you must pay at least the\nMinimum Payment Due by the payment due date each billing cycle. The sooner you pay the New Balance, the less you will\npay in interest charges.\nTo calculate the Minimum Payment Due, we begin with any past due amount. We add any amount in excess of your credit\nlimit. We add any amount specified in a promotional offer. We also add the largest of the following:\n\n\x0c\xe2\x80\xa2 The Calculated New Balance if it is less than $29;\n\xe2\x80\xa2 $29 if the Calculated New Balance is at least $29; or\n\xe2\x80\xa2 1% of the Calculated New Balance (the result is rounded up to the nearest dollar) plus the amount of your billed interest\ncharges on that balance, any minimum interest charge allocated to that balance, and any applicable late fee. However,\nwe subtract interest charges that accrued during prior billing cycles on a deferred interest balance that ended during\nthe billing cycle covered by the statement.\nThe Calculated New Balance equals the New Balance on the billing statement less any balances subject to either of two\ntypes of promotional terms. The first type are terms that do not require a minimum payment. The second type are terms that\nrequire an additional amount as part of the Minimum Payment Due. The Minimum Payment Due may reflect adjustments to\nthe New Balance and is never more than the Calculated New Balance plus any additional amount required by a promotional\noffer.\nApplication of Payments. Payments in excess of the Minimum Payment Due are applied in accordance with law. This\nmeans that we will generally apply payments in excess of the Minimum Payment Due to higher APR balances first. However,\nexcess payments received before a deferred interest promotion expires are applied to the deferred interest promotional\nbalance first in the last two billing cycles of the promotional period. And, if the expiration date of a deferred interest promotion\nis before the payment due date in the billing cycle in which the deferred interest promotion expires, excess payments\nreceived before the deferred interest promotion expires are applied to the deferred interest promotional balance first in the\nlast three billing cycles of the promotional period. Payments equal to or less than the Minimum Payment Due and credits are\napplied at our discretion and you authorize us to apply payments and credits in a way that is most favorable or convenient\nfor us. This may include applying such payments and credits to lower APR balances first.\nPayment Instructions. We credit your payments in accordance with our payment instructions on the billing statement. You\nmust pay us in U.S. dollars. To do so, you must use a check, similar instrument, or electronic debit that is drawn on and\nhonored by a bank in the U.S. Do not send cash. We can accept late or partial payments, or payments that reflect \xe2\x80\x9cpaid\nin full\xe2\x80\x9d or other restrictive endorsements, without losing our rights. We also reserve the right to accept payments made in\nforeign currency and instruments drawn on funds on deposit outside the U.S. If we do, we select the currency conversion\nrate. We will then credit your account in U.S. dollars after deducting any costs incurred in processing your payment. Or we\nmay bill you separately for these costs.\nCredit Reporting\nWe may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on\nyour account may be reflected in your credit report. We may report account information in your name and the names of\nauthorized users. We may also obtain follow-up credit reports on you.\nIf you think we reported incorrect information to a credit bureau, write us at the Customer Service address on the billing\nstatement. We will investigate the matter. We will then tell you if we agree or disagree with you. If we agree with you, we\nwill contact each credit bureau to which we reported and request a correction. If we disagree with you, we will tell you that.\nInformation Sharing\nYou authorize us to share information about you as permitted by law. This includes information we get from you and others.\nIt also includes information about your transactions with us. Please see our Privacy Notice for details about our information\nsharing practices.\nChanges to this Agreement\nWe may change the rates, fees, and terms of this Agreement from time to time as permitted by law. The changes\nmay add, replace, or remove provisions of this Agreement. We will give you advance written notice of the changes\nand a right to opt out to the extent required by law.\nDefault\nYou default under this Agreement if you fail to pay the Minimum Payment Due by its due date; go over your credit limit;\npay by a check or similar instrument that is not honored or that we must return because it cannot be processed; pay by\nelectronic debit that is returned unpaid; file for bankruptcy; or fail to comply with the terms of this Agreement. If you default,\nwe may close your account and, to the extent permitted by law, demand immediate payment of the total balance.\nRefusal of the Card, Closed Accounts, and Related Provisions\nRefusal of the Card. We do not guarantee approval of transactions. We are not liable for transactions that are not approved.\nThat is true even if you have enough credit. We may limit the number of transactions approved in one day. If we detect\nunusual or suspicious activity, we may suspend your credit privileges.\n\n\x0cPreauthorized Charges. We may suspend any automatic or other preauthorized card charges you arrange with a third\nparty. We may do this if you default; if the card is lost or stolen; or we change your account for any reason. If we do this,\nyou are responsible for paying the third party directly if you wish to do so. You are also responsible for reinstating the\npreauthorized charges if you wish to do so and we permit it.\nLost or Stolen Cards, Account Numbers, or Convenience Checks. You must call us if any card, account number, or\ncheck is lost or stolen. You must also call us if you think someone used or may use them without permission. When you\ncall, we may require you to provide information to help our investigation. We may require you to provide this information in\nwriting. For example, we may ask you to identify any charges that were not made by you or someone authorized by you.\nWe may also ask you to confirm that you received no benefit from those charges.\nClosing Your Account. You may close your account by notifying us in writing or over the phone. If you close your account,\nyou must still repay the total balance in accordance with this Agreement. We may also close your account or suspend\naccount privileges at any time for any reason. We may do this without prior notice to you. We may also reissue a different\ncard at any time. You must return any card to us upon request.\nProtections For Active Duty Service Members and Their Dependents\nProtections. Federal law provides important protections to members of the Armed Forces and their dependents relating\nto extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her\ndependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit\ntransaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection\nwith the credit transaction; any application fee charged (other than certain application fees for specified credit transactions\nor accounts); and any participation fee charged (other than certain participation fees for a credit card account). You are\nentitled to these protections if you are a Covered Borrower, as defined below.\nCovered Borrower. You are a Covered Borrower if, in connection with the opening of your account, we determine you are\nan active duty member of the Armed Forces (including active Guard and Reserve duty) or a dependent of an active duty\nmember. You will cease to be a Covered Borrower if we determine you are no longer an active duty member of the Armed\nForces (including active Guard and Reserve duty) or a dependent of an active duty member.\nOral Disclosures. If you are a Covered Borrower, you may obtain information related to your account, including information\nabout these protections and your payment obligation, by calling 1-877-625-6379 (TTY: Use 711 or other Relay Service).\nArbitration. The section of the Card Agreement entitled \xe2\x80\x9cARBITRATION\xe2\x80\x9d does not apply if you are a Covered\nBorrower at the time your account is opened.\nARBITRATION\nPLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY.\nTHIS SECTION PROVIDES THAT DISPUTES MAY BE RESOLVED BY BINDING ARBITRATION. ARBITRATION\nREPLACES THE RIGHT TO GO TO COURT, HAVE A JURY TRIAL OR INITIATE OR PARTICIPATE IN A CLASS ACTION.\nIN ARBITRATION, DISPUTES ARE RESOLVED BY AN ARBITRATOR, NOT A JUDGE OR JURY. ARBITRATION\nPROCEDURES ARE SIMPLER AND MORE LIMITED THAN IN COURT. THIS ARBITRATION PROVISION IS\nGOVERNED BY THE FEDERAL ARBITRATION ACT (FAA), AND SHALL BE INTERPRETED IN THE BROADEST\nWAY THE LAW WILL ALLOW.\nCovered claims\n\xe2\x80\xa2 You or we may arbitrate any claim, dispute or controversy between you and us arising out of or related to your account, a\nprevious related account or our relationship (called \xe2\x80\x9cClaims\xe2\x80\x9d).\n\xe2\x80\xa2 If arbitration is chosen by any party, neither you nor we will have the right to litigate that Claim in court or have\na jury trial on that Claim.\nExcept as stated below, all Claims are subject to arbitration, no matter what legal theory they\xe2\x80\x99re based on or what remedy\n(damages, or injunctive or declaratory relief) they seek, including Claims based on contract, tort (including intentional\ntort), fraud, agency, your or our negligence, statutory or regulatory provisions, or any other sources of law; Claims made\nas counterclaims, cross-claims, third-party claims, interpleaders or otherwise; Claims made regarding past, present, or\nfuture conduct; and Claims made independently or with other claims. This also includes Claims made by or against anyone\nconnected with us or you or claiming through us or you, or by someone making a claim through us or you, such as a coapplicant, authorized user, employee, agent, representative or an affiliated/parent/subsidiary company.\n\n\x0cArbitration limits\n\xe2\x80\xa2 Individual Claims filed in a small claims court are not subject to arbitration, as long as the matter stays in small claims\ncourt.\n\xe2\x80\xa2 We won\xe2\x80\x99t initiate arbitration to collect a debt from you unless you choose to arbitrate or assert a Claim against us. If you\nassert a Claim against us, we can choose to arbitrate, including actions to collect a debt from you. You may arbitrate on\nan individual basis Claims brought against you, including Claims to collect a debt.\n\xe2\x80\xa2 Claims brought as part of a class action, private attorney general or other representative action can be arbitrated only on\nan individual basis. The arbitrator has no authority to arbitrate any claim on a class or representative basis and may award\nrelief only on an individual basis. If arbitration is chosen by any party, neither you nor we may pursue a Claim as part of\na class action or other representative action. Claims of 2 or more persons may not be combined in the same arbitration.\nHowever, applicants, co-applicants, authorized users on a single account and/or related accounts, or corporate affiliates\nare here considered as one person.\nHow arbitration works\n\xe2\x80\xa2 Arbitration shall be conducted by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) according to this arbitration provision and\nthe applicable AAA arbitration rules in effect when the claim is filed (\xe2\x80\x9cAAA Rules\xe2\x80\x9d), except where those rules conflict with\nthis arbitration provision. You can obtain copies of the AAA Rules at the AAA\xe2\x80\x99s website (www.adr.org) or by calling 800-7787879 (TTY: Use 711 or other Relay Service). You or we may choose to have a hearing, appear at any hearing by phone\nor other electronic means, and/or be represented by counsel. Any in-person hearing will be held in the same city as the\nU.S. District Court closest to your billing address.\n\xe2\x80\xa2 Arbitration may be requested any time, even where there is a pending lawsuit, unless a trial has begun or a final judgment\nentered. Neither you nor we waive the right to arbitrate by filing or serving a complaint, answer, counterclaim, motion, or\ndiscovery in a court lawsuit. To choose arbitration, a party may file a motion to compel arbitration in a pending matter and/\nor commence arbitration by submitting the required AAA forms and requisite filing fees to the AAA.\n\xe2\x80\xa2 The arbitration shall be conducted by a single arbitrator in accord with this arbitration provision and the AAA Rules,\nwhich may limit discovery. The arbitrator shall not apply any federal or state rules of civil procedure for discovery, but the\narbitrator shall honor claims of privilege recognized at law and shall take reasonable steps to protect account information\nand other confidential information of either party if requested to do so. The arbitrator shall apply applicable substantive law\nconsistent with the FAA and applicable statute of limitations, and may award damages or other relief under applicable law.\n\xe2\x80\xa2 The arbitrator shall make any award in writing and, if requested by you or us, may provide a brief statement of the reasons\nfor the award. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and\nshall not have any bearing on any other person or dispute.\nPaying for arbitration fees\n\xe2\x80\xa2 We will pay your share of the arbitration fee for an arbitration of Claims of $75,000 or less if they are unrelated to debt\ncollection. Otherwise, arbitration fees will be allocated according to the applicable AAA Rules. If we prevail, we may not\nrecover our arbitration fees, unless the arbitrator decides your Claim was frivolous. All parties are responsible for their\nown attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or expenses to you or\nus based on applicable law.\nThe final award\n\xe2\x80\xa2 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.\nThe arbitration appeal shall be determined by a panel of 3 arbitrators. The panel will consider all facts and legal issues\nanew based on the same evidence presented in the prior arbitration, and will make decisions based on a majority vote.\nArbitration fees for the arbitration appeal shall be allocated according to the applicable AAA Rules. An award by a panel\non appeal is final. A final award is subject to judicial review as provided by applicable law.\nSurvival and Severability of Terms\nThis arbitration provision shall survive changes in this Agreement and termination of the account or the relationship between\nyou and us, including the bankruptcy of any party and any sale of your account, or amounts owed on your account, to\nanother person or entity. If any part of this arbitration provision is deemed invalid or unenforceable, the other terms shall\nremain in force, except that there can be no arbitration of a class or representative Claim. This arbitration provision may\nnot be amended, severed or waived, except as provided in this Agreement or in a written agreement between you and us.\nRules for rejecting this arbitration provision\nYou may reject this arbitration provision by sending a written rejection notice to us at: P.O. Box 790340, St. Louis, MO\n63179. Your rejection notice must be mailed within 45 days of account opening. Your rejection notice must state that you\nreject the arbitration provision and include your name, address, account number and personal signature. No one else may\nsign the rejection notice. Your rejection notice will not apply to the arbitration provision(s) governing any other account(s)\nthat you have or had with us. Rejection of this arbitration provision won\xe2\x80\x99t affect your other rights or responsibilities under\nthis Agreement, including use of the account.\n\n\x0cGoverning Law and Enforcing our Rights\nGoverning Law. Federal law and the law of South Dakota, where we are located, govern the terms and enforcement of\nthis Agreement.\nEnforcing this Agreement. We will not lose our rights under this Agreement because we delay in enforcing them or fail\nto enforce them.\nCollection Costs. To the extent permitted by law, you are liable to us for our legal costs if we refer collection of your\naccount to a lawyer who is not our salaried employee. These costs may include reasonable attorneys\xe2\x80\x99 fees. They may also\ninclude costs and expenses of any legal action.\nAssignment. We may assign any or all of our rights and obligations under this Agreement to a third party.\nFor Further Information\nCall us toll-free for further information. Call the toll-free Customer Service telephone number shown on the billing statement\nor on the back of your card. You can also call local or toll-free Directory Assistance to get our telephone number.\nYour Billing Rights:\nKeep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the address for billing inquiries and correspondence shown\non the front of your statement.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe\nit is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any\npotential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have\nalready corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is\ncorrect.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and\nfees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as\ndelinquent if you do not pay the amount we think you owe.\n\n\x0cIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We\nmust tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when\nthe matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is\ncorrect.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good\nfaith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on\nan advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the address for\nbilling inquiries and correspondence shown on the front of your statement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we\nwill tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\xc2\xa9 2021 Citibank, N.A.\n\n903204-0721\n\n\x0c'


b'Pricing Information Table\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n15.24%\n\nThis APR will vary with the market based on the Prime Rate.\n\n4.50%\n\nfor purchases eligible for the 48 month Major Purchase Plan.\n\nHow to Avoid\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you any interest on purchases if you pay your entire balance by the due date\neach month.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $2.\n\nHow We Calculate\nYour Balance\n\nDaily Balance\n\nFees\nAnnual Fee\n\nNone\n\nPenalty Fees\n\xe2\x80\xa2\n\nLate Payment\n\nUp to $40\n\n\x0cDetails About Your Interest Rates\nand Interest Calculations\n\nDaily Periodic Rate\n\nFor variable rates:\nU.S. Prime Rate Plus\n\nPurchases\n\n0.04175%\n\n11.99%\n\n48 Month Major Purchase Plan*\n\n0.01232%\n\nNA\n\nAPRs Based on Prime. If any APR is based on the U.S. Prime Rate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d), the APR will equal the Prime Rate\nplus the additional amount shown above. If the Prime Rate increases, it will cause the APR to increase. If the Prime\nRate decreases, it will cause the APR to decrease. For each billing cycle we use the Prime Rate published in The Wall\nStreet Journal two business days before the Statement Closing Date. If the Prime Rate changes any APR, we put the\nnew APR into effect as of the first day of the billing cycle for which we calculate the APR. We apply the new APR to any\nexisting balances, subject to any promotional rate that may apply. If The Wall Street Journal does not publish the Prime\nRate, we will use a similar published rate.\nEffect of APR Increases. If an APR increases, interest charges increase. Your minimum payment may increase as well.\nDaily Balance. We calculate the daily balance for each of your different balances. To get a daily balance, we take the\nbalance at the end of the previous day, add the interest on the previous day\xe2\x80\x99s balance and new charges, and subtract new\ncredits or payments. We figure the interest charge by multiplying the daily balance by its daily periodic rate each day in the\nbilling cycle. We then add up all the daily interest charges and the total is the interest charge for the billing cycle.\n*The store sales associate or store website will identify which purchases are eligible for this major purchase plan.\n\n96K-0720\n\n\x0c'