b'Fact Sheet\nPricing Information Table\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n14.74% to 24.74%\n\nAPR for Balance Transfers\n\n14.74% to 24.74%\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\nAPR for Cash Advances\n\n25.24%\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Citi Flex Plan\n\n14.74% to 24.74%\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 23 days after the close of each billing cycle.\nWe will not charge you interest on purchases if you pay your monthly\nCiti Flex Plan Payment Amount plus your entire balance, excluding any\nCiti Flex Plan balances, by the due date each month. If you do not pay\nyour monthly Citi Flex Plan Payment plus your entire balance, excluding\nany Citi Flex Plan balances, by the due date each month, you will pay\ninterest on your purchases from the date they\xe2\x80\x99re posted to your account.\nWe will begin charging interest on cash advances and balance transfers\non the transaction date. We will begin charging interest on a Citi Flex\nPlan balance at the start of the billing cycle following the billing cycle\nduring which you created the Citi Flex Plan.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than 50 cents.\n\nHow We Calculate\nYour Balance\n\nDaily Balance\n\n\x0cFees\nPenalty Fees\n\n\xe2\x80\xa2 Late Payment: None\n\xe2\x80\xa2 Returned Payment: Up to $40\n\nAnnual Membership Fee\n\nNone\n\nTransaction Fees\n\n\xe2\x80\xa2 Balance Transfer: Either $5 or [3% \xe2\x80\x93 5%] of the amount of each\ntransfer, whichever is greater.\n\xe2\x80\xa2 Cash Advance: Either $10 or 5% of the amount of each cash advance,\nwhichever is greater.\n\xe2\x80\xa2 Foreign Purchase Transaction: 3% of each purchase transaction\nin U.S. dollars.\n\nDetails About Your Interest Rates\n\nDaily Periodic Rate\n\nFor Variable Rates:\nU.S. Prime Rate Plus\n\nPurchases\n\n0.04038% to 0.06778%\n\n11.49% to 21.49%\n\nBalance Transfers\n\n0.04038% to 0.06778%\n\n11.49% to 21.49%\n\n0.06915%\n\n21.99%\n\n0.04038% to 0.06778%\n\n11.49% to 21.49%\n\nCash Advances\nCiti Flex Plan\nVariable rate APRs will not exceed 29.99%\n\nNote: Balance Transfers and Flex Plans are made available at our discretion.\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\nconnection with the credit transaction; any application fee charged (other than certain application fees for specified credit\ntransactions 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 1-877-313-6762.\n\n202\n\n\x0c'


b'Card Agreement\n\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. Keep\nthem 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. This\nAgreement is binding on you unless you close your account within 30 days after receiving the card and you have not used or\nauthorized 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 you did\nnot intend to be responsible for those charges. You agree that they may receive information about the account, subject to any\nlimitations 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 of\nyou is responsible even if the account is used by only one of you. You will continue to be liable for the entire balance of the\naccount, 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 pay\nas ordered by the court. Your account status will continue to be reported to the credit bureau under each of your names. The\ndelivery of notices or billing statements to either of you serves as delivery to each of you. We may rely on instructions given by\neither 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 billing\nstatement. The full amount of your credit limit is available to use where the card is honored. We will notify you separately what\npart of your credit limit is available for cash advances. That part is called the cash advance limit. We may reduce or increase\nyour credit limit or cash advance limit at any time for any reason as permitted by law. We will notify you of any change, but\nthe change may take effect before you receive the notice. You should always keep your total balance below the credit limit.\nHowever, if the total balance goes over your credit limit you still must pay us. If your account has a credit balance, we may\nreduce the credit balance by any new charges on your account. You may not maintain a credit balance in excess of your credit\nlimit.\nChecks. We may provide you with cash convenience checks. You may use them to get a cash advance. Use of a cash\nconvenience check will be a cash advance transaction even if you use the check to make a payment to another creditor. You\nmay not use cash convenience checks to pay an amount owed to us under this Agreement or to pay another account with us or\nan affiliate. We do not certify 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 Closing\nDate. To determine the New Balance, we begin with the total balance at the start of the billing cycle. We add any purchases or\ncash advances. We subtract any credits or payments. We then add any interest charges or fees and make other 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.\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 Prime\nRate plus an additional amount. If the Prime Rate increases, it will cause the APR to increase. If the Prime Rate decreases, it\nwill cause the APR to decrease. For each billing cycle we use the Prime Rate published in The Wall Street Journal two business\ndays before the Statement Closing Date. If the Prime Rate causes an APR to change, we put the new APR into effect as of\nthe first day of the billing cycle for which we calculate the APR. We apply the new APR to any existing balances, subject to any\npromotional rate that may apply. If The Wall Street Journal does not publish the Prime Rate, we will use a similar published rate.\n\n\x0cPurchase APR. See the Supplement.\nCash Advance APR. 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 of time.\nThey will be governed by the terms of the promotional offer and this Agreement. Your promotional terms will end when the\npromotional period expires.\nIf a promotional offer is a deferred interest offer, no interest charges will be imposed on the deferred interest balance if you pay\nthe balance in full by the end of the promotional period for that deferred interest balance. We will impose interest charges on\nthe deferred interest balance at the APR for regular purchases from the date of purchase if you do not pay the balance in full by\nthe 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 using\na 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 grace\nperiod on purchases. The grace period is at least 25 days. To get a grace period on purchases, you must pay the New Balance\nby the payment due date every billing cycle. If you do not, you will not get a grace period until you pay the New Balance for\ntwo 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 due date,\nthat 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 a purchase\nbalance other than an excluded balance. However, you must still pay any separately required payment on the excluded\nbalance. In billing cycles in which payments are allocated to deferred interest balances first, the deferred interest balance will\nbe reduced before any other balance on the account. However, you will continue to get a grace period on purchases, other\nthan an excluded balance, so long as you pay the New Balance (less any excluded balance, plus any separately required\npayment 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 balance\nby the payment due date. If either is the case, the promotional offer will describe what happens.\nCalculation of Interest Charges \xe2\x80\x93 Daily Balance Method (Including Current Transactions). We calculate interest charges\neach 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 as of\nthe end of the previous day. We add any interest charge on the previous day\xe2\x80\x99s balance. (This results in daily compounding\nof 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 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 to\nsomeone, the Transaction Date is the date we receive the check for payment. The Transaction Date is on the billing statement.)\nWe add a transaction fee to the same balance as the transaction. We generally add other fees, including credit protection fees\nand insurance charges, to the regular purchase balance. We subtract a payment or credit as of the day it is credited to the\naccount and then make other adjustments. 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 regular\npurchase 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 different\nbalance. The Balance Subject to Interest Rate is the average of the daily balances during the billing cycle. A billing cycle begins\n\n\x0con the day after the Statement Closing Date of the previous billing cycle. It includes the Statement Closing Date of the current\nbilling cycle.\nFees\nTransaction Fee for Cash Advances. You take a cash advance if you use a cash advance convenience check; get money\nthrough an 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 engage\nin a similar transaction. For each cash advance we add a transaction fee of 5% of the amount of the cash advance, but not less\nthan $10.\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 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 have\na past due payment any time you fail to pay the Minimum Payment Due (less the Amount Over Credit Limit shown on your\nbilling statement) by the payment due date. The fee will be $29; or $40 for any additional past due payment during the next six\nbilling cycles after a past due payment. However, the fee will not exceed the amount permitted by law. We add this fee to the\nregular purchase balance.\nInformation on Foreign Purchase Transaction\nOur network providers are Mastercard, Visa, and American Express. They convert transactions in foreign currencies into U.S.\ndollars. The type of card you have determines who does the conversion. Each network provider follows its own procedures.\nEach network provider\xe2\x80\x99s current procedures are described below. The procedures may change from time to time without\nnotice.\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 may\nvary 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 rate it\nselects 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 these\ncases, 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 not,\nit 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 effect\non 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 Minimum\nPayment Due by the payment due date each billing cycle. The sooner you pay the New Balance, the less you will pay in\ninterest charges.\nWe calculate the Minimum Payment Due as follows. We begin with any past due amount. We add any amount in excess\nof your credit limit. We add any amount specified in a promotional offer. We add any amount required by the Promotion\nCalculation. 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, we\nsubtract interest charges that accrued during prior billing cycles on a deferred interest balance that ended during the billing\ncycle covered by the statement.\nThe Calculated New Balance equals the New Balance on the billing statement less any balances subject to the Promotion\nCalculation and less any balances subject to either of two types of promotional terms. The first type are terms that do not\nrequire a minimum payment. The second type are terms that require an additional amount as part of the Minimum Payment\nDue.\n\n\x0cIf you have a deferred interest transaction balance subject to the Promotion Calculation, the Promotion Calculation will\nequal 1% of this balance during the promotion period. (The result is rounded up to the nearest cent.) After the promotion\nperiod, any such remaining promotional balance will be included in the Calculated New Balance. The Promotion Calculation\nwill apply if, based on the amount of the transaction as shown on the first statement that displays the transaction and the\ndollar amount in the Minimum Payment Due calculation in effect at the time of the transaction, we determined that paying\nsuch dollar amount each billing cycle would result in repayment of the promotional balance before the end of the promotion\nperiod.\nThe Minimum Payment Due may reflect adjustments to the New Balance. The Minimum Payment Due is never more than the\nCalculated New Balance plus two amounts. The first is any amount required by a promotional offer. The second is any amount\nrequired by the Promotion Calculation.\nApplication of Payments. Payments in excess of the Minimum Payment Due are applied in accordance with law. This means\nthat we will generally apply payments in excess of the Minimum Payment Due to higher APR balances first. However, excess\npayments received before a deferred interest promotion expires are applied to the deferred interest promotional balance first\nin the last two billing cycles of the promotional period. And, if the expiration date of a deferred interest promotion is before the\npayment due date in the billing cycle in which the deferred interest promotion expires, excess payments received before the\ndeferred interest promotion expires are applied to the deferred interest promotional balance first in the last three billing cycles\nof the promotional period. Payments equal to or less than the Minimum Payment Due and credits are applied at our discretion\nand you authorize us to apply payments and credits in a way that is most favorable or convenient for us. This may include\napplying 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 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 in\nfull\xe2\x80\x9d or other restrictive endorsements, without losing our rights. We also reserve the right to accept payments made in foreign\ncurrency and instruments drawn on funds on deposit outside the U.S. If we do, we select the currency conversion rate. We\nwill then credit your account in U.S. dollars after deducting any costs incurred in processing your payment. Or we may bill you\nseparately for these costs.\nCredit Reporting\nWe may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your\naccount may be reflected in your credit report. We may report account information in your name and the names of authorized\nusers. 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 will\ncontact 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 may\nadd, replace, or remove provisions of this Agreement. We will give you advance written notice of the changes and a\nright 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; pay by a\ncheck or similar instrument that is not honored or that we must return because it cannot be processed; pay by electronic debit\nthat is returned unpaid; file for bankruptcy; or fail to comply with the terms of this Agreement. If you default, we may close your\naccount 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 unusual\nor 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 party.\nWe 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, you are\nresponsible for paying the third party directly if you wish to do so. You are also responsible for reinstating the preauthorized\ncharges if you wish to do so and we permit it.\n\n\x0cLost or Stolen Cards, Account Numbers, or Convenience Checks. You must call us if any card, account number, or check\nis lost or stolen. You must also call us if you think someone used or may use them without permission. When you call, we\nmay require you to provide information to help our investigation. We may require you to provide this information in writing. For\nexample, we may ask you to identify any charges that were not made by you or someone authorized by you. We may also ask\nyou 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 account\nprivileges at any time for any reason. We may do this without prior notice to you. We may also reissue a different card at any\ntime. 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 or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account). You are entitled to\nthese 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 an\nactive duty member of the Armed Forces (including active Guard and Reserve duty) or a dependent of an active duty member.\nYou will cease to be a Covered Borrower if we determine you are no longer an active duty member of the Armed Forces\n(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 GOVERNED\nBY THE FEDERAL ARBITRATION ACT (FAA), AND SHALL BE INTERPRETED IN THE BROADEST WAY THE LAW\nWILL 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 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 coapplicant, 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 an\nindividual 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\n\n\x0ca 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, which\nmay limit discovery. The arbitrator shall not apply any federal or state rules of civil procedure for discovery, but the arbitrator\nshall honor claims of privilege recognized at law and shall take reasonable steps to protect account information and other\nconfidential information of either party if requested to do so. The arbitrator shall apply applicable substantive law consistent\nwith 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 us\nbased 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 on\nappeal 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 another\nperson or entity. If any part of this arbitration provision is deemed invalid or unenforceable, the other terms shall remain in\nforce, except that there can be no arbitration of a class or representative Claim. This arbitration provision may not be amended,\nsevered 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 63179.\nYour rejection notice must be mailed within 45 days of account opening. Your rejection notice must state that you reject the\narbitration provision and include your name, address, account number and personal signature. No one else may sign the\nrejection notice. Your rejection notice will not apply to the arbitration provision(s) governing any other account(s) that you have\nor had with us. Rejection of this arbitration provision won\xe2\x80\x99t affect your other rights or responsibilities under this Agreement,\nincluding 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 this\nAgreement.\nEnforcing this Agreement. We will not lose our rights under this Agreement because we delay in enforcing them or fail to\nenforce them.\n\n\x0cCollection Costs. To the extent permitted by law, you are liable to us for our legal costs if we refer collection of your account to\na lawyer who is not our salaried employee. These costs may include reasonable attorneys\xe2\x80\x99 fees. They may also include costs\nand 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 or\non 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 on the\nfront 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 it\nis 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 think\nis 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 already\ncorrected 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 correct.\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.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse\nto pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell\nyou the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter\nhas 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 faith\nto correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\n\n\x0cTo 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 an\nadvertisement 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 check\nthat 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 billing\ninquiries 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 will\ntell 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\n802BR2-0721\n\n\x0c'


b'CARD AGREEMENT\n\nWPL-0721\n\nThis Card Agreement (Agreement) is your contract with us.\n\nThe Credit Card Disclosures are part of this Agreement. The Credit Card Disclosures show important information about\nyour Account, such as your Annual Percentage Rates and certain fees. Any amendments to this Agreement also are part of\nthis Agreement.\nPlease read all parts of this Agreement, including the arbitration provision, and keep it for your records.\n\nDEFINITIONS\nAccount \xe2\x80\x94 Your credit card account.\nAdjusted New Balance \xe2\x80\x94 The New Balance, minus any Major Purchase Plan balance, and minus any balance subject to\nthe Promotion Calculation.\nAnnual Percentage Rate (APR) \xe2\x80\x94 A rate, shown as a percentage, used to calculate interest on the balance on your\nAccount.\nBilling Cycle \xe2\x80\x94 The period of time between each date when we create a billing statement for your Account. For each Billing\nCycle, your billing statement will show any Transactions, other charges, payments and other credits posted during that\nBilling Cycle.\nBusiness Day \xe2\x80\x94 Monday through Friday, excluding federal holidays.\nCard \xe2\x80\x94 One or more cards or other devices (including an Account number) used to access your Account to obtain credit.\nConsumer Reporting Agency \xe2\x80\x94 An organization, such as Experian, Equifax and TransUnion, that compiles credit\ninformation for the purpose of generating consumer credit reports. It\xe2\x80\x99s also known as a \xe2\x80\x9ccredit bureau\xe2\x80\x9d and a \xe2\x80\x9ccredit reporting\nagency.\xe2\x80\x9d\nDeferred Interest Promotion \xe2\x80\x94 See the Promotions section of the Agreement.\ninclude and including \xe2\x80\x94 These terms mean \xe2\x80\x9cinclude [or including] without limitation.\xe2\x80\x9d\nLate Payment \xe2\x80\x94 A payment is late if you don\xe2\x80\x99t pay at least an amount equal to the Minimum Payment Due by the payment\ndue date.\nMajor Purchase Plan \xe2\x80\x94 See the Promotions section of the Agreement.\nNew Balance \xe2\x80\x94 The total amount you owe us at the end of each Billing Cycle. This amount is shown on each billing\nstatement under the heading \xe2\x80\x9cNew Balance.\xe2\x80\x9d We explain how we calculate the New Balance below.\nOverlimit Amount \xe2\x80\x94 The amount by which your Account balance exceeds your credit limit in any Billing Cycle.\nPurchase \xe2\x80\x94 Use of your Card to buy goods and services.\nReturned Payment \xe2\x80\x94 A payment that isn\xe2\x80\x99t honored by your financial institution.\nTransaction \xe2\x80\x94 A Purchase.\nwe, us and our \xe2\x80\x94 Citibank, N.A.\nyou and your \xe2\x80\x94 The cardmember or cardmembers who opened the Account, and any other person who is or becomes\nobligated under this Agreement to repay amounts borrowed using the Account.\nYou\xe2\x80\x99ll find definitions of other terms within this Agreement.\n\nYOUR ACCOUNT\nYour Account use is subject to this Agreement. You must pay us for all amounts due on your Account, including:\nTransactions you make, even if you didn\xe2\x80\x99t present your Card or sign for the Transaction; Transactions that other people\nmake if you let them use your Account, even if you did not intend to be responsible for those Transactions; and any fees and\ninterest charges on the Account.\nBinding Agreement. This Agreement takes effect once you use your Card. Even if you don\xe2\x80\x99t use your Card, this Agreement\nwill take effect unless you contact us to cancel your Account within 30 days after we sent you this Agreement.\nCredit Limit. We assign a credit limit to your Account. We may authorize Transactions that cause your balance to exceed\nyour credit limit.\nJoint Account. If two or more people are or become obligated under this Agreement to repay amounts borrowed using the\nAccount, then each of you is responsible for all amounts owed and for any defaults, even if the Account is used or managed\nby only one of you. Each of you will be liable for the entire balance of the Account, even if a court orders only one of you to\npay us. We will report information about your Account to the Consumer Reporting Agencies under each of your names. We\nmay only deliver notices or billing statements to one of you, but that delivery will serve as delivery to each of you. Each of\nyou has authority to manage the Account. We\xe2\x80\x99ll follow instructions about the Account from either of you. We\xe2\x80\x99re not liable if\nwe act on instructions from one of you.\n\n\x0cConsumer Purposes. You aren\xe2\x80\x99t permitted to use your Account for business purposes. If you do use your Account for\nbusiness purposes, this Agreement still applies, and you must pay us for those Transactions. You have to pay us for any\ndamages and/or expenses resulting from that use. In addition, we may also close your Account.\nUnlawful Transactions. You aren\xe2\x80\x99t permitted to use your Account for unlawful Transactions. If you do use your Account for\nunlawful Transactions, this Agreement still applies and you must pay us for those Transactions. You also may have to pay us\nfor any damages and expenses resulting from that use. In addition, we may close your Account.\nMobile Phone or Other Devices. Smart phones, tablets and other electronic devices can store your Card (such as through\na mobile wallet or app). This means they can be used to make Transactions. Any such Transactions are covered by this\nAgreement. A mobile wallet or app that uses your Card to make Transactions may have separate terms of use. We\xe2\x80\x99re not\nresponsible if you violate those terms, or for any consequences resulting from any violation.\n\nANNUAL PERCENTAGE RATES (APRS) & INTEREST CHARGES\nThe following sections explain how we calculate the interest you owe each Billing Cycle.\nAPRs. We use APRs to calculate interest charges on your Account. Different APRs may apply to different Transactions. See\nthe listing of your APRs on the Credit Card Disclosures.\nVariable APRs. A variable APR is an APR that can change each Billing Cycle. We calculate each variable APR first by\ntaking the U.S. Prime Rate from The Wall Street Journal (WSJ) two Business Days before the last day of each Billing Cycle.\n(If the WSJ doesn\xe2\x80\x99t publish the U.S. Prime Rate that day, then we\xe2\x80\x99ll use another publication.) Then we add to the U.S. Prime\nRate a certain percentage amount, which we call the Margin. If an APR applicable to your Account is variable, you can find\nthe Margin we use for your Account in the Details About Your Interest Rates section of the Credit Card Disclosures. Your\nvariable APRs will increase if the U.S. Prime Rate increases and decrease if the U.S. Prime Rate decreases. If a variable\nAPR increases, then your interest charges and Minimum Payment Due may increase.\nIf the U.S. Prime Rate changes, we\xe2\x80\x99ll apply the new variable APR starting from the first day of the Billing Cycle when we take\nthe U.S. Prime Rate from the WSJ. The new APR will apply to existing balances, as well as balances added to your Account\nafter the change.\nDaily Balance. We calculate interest on your Account each Billing Cycle first by calculating each of your daily balances. The\nfollowing explains how we do that.\nHere\xe2\x80\x99s how and when Transactions, fees and credits are applied to the balances on your Account:\n\xe2\x80\xa2 We add the amount of a Purchase to the Purchase balance or applicable promotional balance as of the transaction\ndate on your billing statement.\n\xe2\x80\xa2 We add a Transaction fee to the same balance as the Transaction as of the transaction date on your billing statement.\nWe\xe2\x80\x99ll add any other fee to the balance of our choice as of the date we post the fee to your Account.\n\xe2\x80\xa2 If you\xe2\x80\x99re charged interest in a Billing Cycle, but the amount calculated is less than the Minimum Interest Charge shown\non the Credit Card Disclosures, we\xe2\x80\x99ll add additional interest to the balance(s) of our choice so that you\xe2\x80\x99ll be charged\nthat Minimum Interest Charge for that Billing Cycle.\n\xe2\x80\xa2 We subtract credits applied or payments made as of the date it is credited to the Account.\nHere\xe2\x80\x99s how we calculate each of your daily balances on your Account:\n\xe2\x80\xa2 We start with the daily balance from the end of the previous day.\n\xe2\x80\xa2 We add any new Transactions, fees and other charges, including interest accrued on the previous day\xe2\x80\x99s balance. This\nmeans that interest is compounded daily.\n\xe2\x80\xa2 We subtract any credits applied or payments made as of that day.\n\xe2\x80\xa2 We make additional adjustments as appropriate, subject to applicable law. This gives us the daily balance for that day.\nInterest Calculation. Each daily balance may have a different APR. Certain categories of Transactions in a daily balance\nmay have multiple APRs. For example, you may make a Purchase that\xe2\x80\x99s subject to a promotional APR. If a daily balance\non your Account is subject to an APR, we\xe2\x80\x99ll charge interest on that daily balance. We use the daily balance method (which\nincludes new Transactions). If interest applies to a balance, it will start applying on the day a charge is added to that balance\nand continue until that balance is paid in full. We consider a credit balance as a balance of zero when calculating interest on\nthat balance.\n\xe2\x80\xa2 We multiply each daily balance by its applicable daily periodic rate (each applicable APR divided by 365).\n\xe2\x80\xa2 We do this for each day in the Billing Cycle. This gives us the daily interest amounts.\n\xe2\x80\xa2 Then we total all the daily interest amounts for all the daily balances and round to the nearest cent. This gives us the\ntotal interest for the Billing Cycle.\nCalculating the New Balance. To calculate the New Balance at the end of each Billing Cycle, we begin with the total\nAccount balance at the start of that Billing Cycle. Then we add any Transactions that are new to the Account during that\nWPL-0721\n\n\x0cBilling Cycle. Then we subtract any credits applied or payments made during that Billing Cycle. Then we add any interest\ncharges or fees incurred during that Billing Cycle and make any other adjustments, as applicable.\nGrace Period on Purchases. Except as indicated below, you won\xe2\x80\x99t pay any interest on Purchases if you pay the New\nBalance in full by the payment due date shown on your billing statement each Billing Cycle. We call this a grace period on\nPurchases. If you don\xe2\x80\x99t pay your New Balance in full by the payment due date in a Billing Cycle, you won\xe2\x80\x99t get a grace period\non Purchases again until you pay the New Balance in full by the payment due date shown on your billing statement for two\nBilling 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. In addition, if you have a Major Purchase Plan balance, that balance\n(an \xe2\x80\x9cexcluded balance\xe2\x80\x9d) is excluded from the amount you must pay in full to get a grace period on a Purchase balance other\nthan an excluded balance. However, you must still pay any separately required payment on the excluded balance. In Billing\nCycles in which payments are allocated to Deferred Interest Promotion balances first, the Deferred Interest Promotion\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. If you have a Major\nPurchase Plan, you will be charged interest on the Major Purchase Plan balance from the start of the Billing Cycle following\nthe Billing Cycle in which your Major Purchase Plan Purchase was made. This means that you will not be charged interest\non the Major Purchase Plan balance during the Billing Cycle in which your Major Purchase Plan Purchase was made.\n\nPROMOTIONS\nFrom time to time we may offer you promotional terms relating to certain Transactions. These offers will be governed by the\nterms of the promotional offer and this Agreement. Your promotional terms will end when the promotional period expires.\nPromotional offers may include Deferred Interest Promotions and Major Purchase Plans.\nDeferred Interest Promotion. Under a Deferred Interest Promotion, no interest charges will be imposed on your Purchase\nif you pay off that Purchase in full before the end of the promotional period. If you do not pay the Deferred Interest Promotion\nPurchase in full before the end of the promotional period, we will impose interest on that Purchase from the date the\nPurchase was made. Interest charges on a Deferred Interest Promotion Purchase are based upon the APR for regular\nPurchases.\nMajor Purchase Plan. Under a Major Purchase Plan, we may offer you a promotional APR on a specific Purchase. If a\npromotional APR applies, it will apply so long as any portion of that Purchase balance remains on the Account. We also\ncalculate a separate amount that will be due on your Major Purchase Plan Purchase. This amount will be included in the\nMinimum Payment Due until your Major Purchase Plan Purchase is paid in full.\n\nFEES\nLate Fee. We have the right to charge you a late fee if you have a Late Payment. The late fee is $29 and, if you have\nanother Late Payment within the next 6 Billing Cycles the late fee will be $40. The amount of your late fee will not exceed the\namount permitted by law.\n\nPAYMENTS\nMinimum Payment Due. You may pay all or a part of your Account balance at any time. You must pay at least the Minimum\nPayment Due by the payment due date each Billing Cycle.\nYour \xe2\x80\x9cMinimum Payment Due\xe2\x80\x9d equals:\n\xe2\x80\xa2 Any amount past due; plus\n\xe2\x80\xa2 Any amount due for a Major Purchase Plan, as described below; plus\n\xe2\x80\xa2 Any amount due as a result of application of the Promotion Calculation, as described below; plus\n\xe2\x80\xa2 The greater of:\n\xe2\x97\xa6 The Adjusted New Balance, if it\xe2\x80\x99s less than $29;\n\xe2\x97\xa6 $29 if the Adjusted New Balance is at least $29; or\n\xe2\x97\xa6 1% of the Adjusted New Balance, plus any late fee, plus any billed interest or minimum interest charges, minus any\ninterest charges that accrued during prior Billing Cycles on a Deferred Interest Promotion that ended during the\nBilling Cycle covered by the billing statement (the result is rounded up to the nearest dollar).\nThe Minimum Payment Due is never more than the New Balance.\nMajor Purchase Plan. The Minimum Payment Due will include any amount due on a Major Purchase Plan balance. You\nmust pay the amount due on a Major Purchase Plan balance, as described below, for so long as any portion of that balance\nremains in that Major Purchase Plan. However, the amount due on a Major Purchase Plan balance will never be more than\nWPL-0721\n\n\x0cthe amount of that balance on the statement closing date. The amount due on each Major Purchase Plan balance each\nBilling Cycle is determined as follows:\n\xe2\x80\xa2 The Purchase amount, plus\n\xe2\x80\xa2 The estimated interest charges calculated on the daily balance from the start of the next Billing Cycle following the\nBilling Cycle in which your Major Purchase Plan Purchase was made through the end of the promotional period\n(assuming that you pay the Minimum Payment Due on your account each month on the due date), the sum of which is\ndivided by\n\xe2\x80\xa2 The number of months in the promotional period. (The result is rounded up to the nearest dollar.)\nThe formula we use for determining the amount described directly above is:\n\xe2\x80\xa2 the Purchase amount, multiplied by\n\xe2\x80\xa2 (APR / 12 ) / (1-(1 + APR / 12 ) -N), rounded up to the nearest dollar. \xe2\x80\x9cAPR\xe2\x80\x9d equals the specific APR applicable to the\nPurchase amount, and \xe2\x80\x9cN\xe2\x80\x9d equals the number of months in the promotional period.\nPromotion Calculation. If you have a Deferred Interest Promotion balance subject to the Promotion Calculation, the\nPromotion Calculation will equal 1% of this balance during the promotion period. (The result is rounded up to the nearest\ncent.) After the promotional period, any such remaining promotional balance will be included in the Adjusted New Balance.\nThe Promotion Calculation will apply if, based on the amount of the Transaction as shown on the first billing statement\nthat displays the Transaction and the dollar amount in the Minimum Payment Due calculation in effect at the time of the\nTransaction, we determined that paying such dollar amount each Billing Cycle would result in repayment of the promotional\nbalance before the end of the promotion period.\nNote: Your payment due date is typically the same day of the month every month. You may request a change to your\nmonthly due date.\nApplication of Payments. We decide how to apply your payment, up to the Minimum Payment Due, and credits, to the\nbalances on your Account and you authorize us to apply payments and credits in a way that is most favorable or convenient\nfor us. This means we may apply such payments and credits first to balances with lower APRs and then to balances with\nhigher APRs. If you pay more than the Minimum Payment Due, we\xe2\x80\x99ll apply the amount over the Minimum Payment Due\nfirst to the balance with the highest APR, then to the balance with the next highest APR, and so on. However, payments in\nexcess of the Minimum Payment Due received before a Deferred Interest Promotion expires are applied to the Deferred\nInterest Promotion balance first in the last two Billing Cycles of the promotional period or in the last three Billing Cycles of\nthe promotional period if the expiration date for the Deferred Interest Promotion is before the payment due date in the Billing\nCycle in which the promotion expires.\nPayment Instructions. You must pay in U.S. dollars. You must use a check or electronic debit issued by a bank in the\nUnited States. You must not send us a check dated after the date that we receive it. You must not enclose more than\none check per envelope. You must not include any restrictive endorsements on the check. You must follow the above\ninstructions and the additional payment instructions shown on your billing statement when making a payment. If you do, we\xe2\x80\x99ll\ncredit the payment to your Account as of the day we receive it.\nIf you don\xe2\x80\x99t pay in U.S. dollars and we accept your payment, we\xe2\x80\x99ll select the currency conversion rate, and you must pay our\ncosts. If you don\xe2\x80\x99t follow our payment instructions, we may not accept your payment, or there may be a delay in crediting\nyour Account. Either case may result in late fees and additional interest charges to your Account. If you don\xe2\x80\x99t follow the\ninstructions in this Agreement or on your billing statement, we may accept your payment without losing our rights. We may\nreject a payment if it\xe2\x80\x99s more than the outstanding Account balance. We also may close your Account.\n\nDEFAULT, CLOSING OR SUSPENDING YOUR ACCOUNT\nDefault. We may require immediate payment of your total Account balance, to the extent allowed by law, if any of the\nfollowing occurs: you have a Late Payment; you have a Returned Payment; you file for bankruptcy or some other insolvency\nproceeding is filed by or against you; you don\xe2\x80\x99t honor the terms of this Agreement; you default under any other card\nagreement you have with us; or you\xe2\x80\x99re declared incompetent or mentally incapacitated, or in the event of your death.\nClosing or Suspending Your Account. We may close or suspend your Account if any of the events listed above occur, or\nfor any reason, or for no reason. We may do this at any time, without notifying you, as allowed by law. We may cancel your\ncurrent Card and issue you a substitute Card at any time. You also may close your Account at any time by notifying us by\ntelephone or in writing. If we close or suspend your Account, or if you close your Account, you must pay us all amounts you\nowe on the Account, even if they post to your Account after it\xe2\x80\x99s closed or suspended.\n\nCREDIT REPORTING\nYou allow us to get information about you. We get it from Consumer Reporting Agencies and other sources that provide\nconsumer financial information. You allow us to use it for: renewal of your Account; credit line increases or decreases;\nadministration or review of your Account, collection and any other servicing; all other credit-related purposes connected with\nthis Agreement; offers for other cards and other services; and other uses permitted by law.\nWPL-0721\n\n\x0cWe report Account information in your name, as well as information about you to Consumer Reporting Agencies, on a\nmonthly basis. The information we provide may appear on your credit reports. This can include information about: Late\nPayments; Overlimit Amounts; Returned Payments; and other violations of this Agreement.\nIf you think we\xe2\x80\x99ve given incorrect information to a Consumer Reporting Agency about you, please write to us at the\nCustomer Service address on your billing statement and we\xe2\x80\x99ll research it. We\xe2\x80\x99ll let you know if we agree or disagree with\nyou. If we agree with you, we\xe2\x80\x99ll contact each Consumer Reporting Agency we reported to and request a correction.\n\nACCOUNT INFORMATION, INFORMATION SHARING & COMMUNICATIONS\nChanges to Account Information. You provided certain personal information to us when you opened your Account. You\nagree to notify us if this information changes. If you don\xe2\x80\x99t, or if we ask you to verify your Account information and you cannot,\nwe may suspend or close your Account.\nInformation Sharing. You agree to let us share information about you and your Account as allowed by law. This includes\ninformation we get from you and others. Our privacy notice, which we have provided to you, describes reasons we can\nshare our customers\xe2\x80\x99 personal information.\nContacting You. You agree that we (and/or our service providers or anyone we authorize) may contact you at any phone\nnumber, email address or mailing address you provide or we obtain in other ways. This includes communications to\nmobile, cellular/wireless, or similar devices. We may contact you by live operator, auto-dialer, recorded or artificial voice,\ntext, or email. You agree to pay any charges from your plan provider for communications we send to you, as well as\ncommunications you send to us.\nHow We Capture and Use Voiceprints. We may use voice recognition technology to verify your identity when you call. We\nmay capture and store your voiceprint for this purpose.\nCall Monitoring. We may monitor and record any calls between you and us.\nNotices. We send any notices to your billing address or, if you\xe2\x80\x99ve agreed, by email to the address you gave us. We consider\na notice sent as soon as we send it.\n\nTRANSACTIONS\nMerchant Refunds. A merchant refund to your Account will post to your Account as a credit. We don\xe2\x80\x99t control when a\nmerchant sends an Account credit. We\xe2\x80\x99ll choose how to apply the credit to your existing Account balances, including, if we\nchoose, to any existing promotional balances.\nRecurring Authorized Transactions. If you authorize a merchant or any other person to charge your Account for recurring\nTransactions, you must notify the merchant if: you want to discontinue these Transactions; your Account is closed; your\nAccount number changes; or your Card expiration date changes. You\xe2\x80\x99re responsible for reinstating any recurring authorized\nTransactions.\nRefusal of the Card. We don\xe2\x80\x99t guarantee approval of Transactions. We are not liable for those that aren\xe2\x80\x99t approved, even if\nyou have enough available credit on your Account. If we detect unusual or suspicious activity, we may suspend your credit\nprivileges. We also may limit the number of Transactions approved in a single day.\n\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 members of the Armed Forces and their\ndependents may not exceed an APR of 36 percent. This rate must include, as applicable to the credit transaction or\naccounts: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit\ntransaction; any application fee charged (other than certain application fees for specified credit transactions or accounts);\nand any participation fee charged (other than certain participation fees for a credit card account). You are entitled to these\nprotections 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.\n\nARBITRATION\nPLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY.\nThis section provides that disputes may be resolved by binding arbitration. Arbitration replaces the right to go to court, have\na jury trial or initiate or participate in a class action. In arbitration, disputes are resolved by an arbitrator, not a judge or jury.\n\nWPL-0721\n\n\x0cArbitration procedures are simpler and more limited than in court. This arbitration provision is governed by the Federal\nArbitration Act (FAA), and shall be interpreted in the broadest way the law will allow.\n\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\nAccount, a 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\nhave a 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.\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\nand the applicable AAA arbitration rules in effect when the claim is filed (\xe2\x80\x9cAAA Rules\xe2\x80\x9d), except where those rules conflict\nwith this arbitration provision. You can obtain copies of the AAA Rules at the AAA\xe2\x80\x99s website (www.adr.org) or by calling\n800-778-7879 (TTY: Use 711 or other Relay Service). You or we may choose to have a hearing, appear at any hearing\nby phone or other electronic means, and/or be represented by counsel. Any in-person hearing will be held in the same\ncity as the U.S. District Court closest to your billing address.\n\xe2\x80\xa2 Arbitration may be requested at 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, but\nthe 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.\nPaying for arbitration fees\n\xe2\x80\xa2 We\xe2\x80\x99ll 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\n\nWPL-0721\n\n\x0canew 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.\n\nSurvival and Severability of Terms\n\xe2\x80\xa2 This 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\nother terms shall remain in force, except that there can be no arbitration of a class or representative Claim. This\narbitration provision may not be amended, severed or waived, except as provided in this Agreement or in a written\nagreement between you and us.\nRules for rejecting this arbitration provision\n\xe2\x80\xa2 You may reject this arbitration provision by sending a written rejection notice to us at: PO Box 6195, Sioux Falls, SD\n57117-6195. 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.\n\nAGREEMENT & BENEFIT CHANGES\nChanges to this Agreement. We may change this Agreement for any reason and at any time, subject to applicable\nlaw. This means that we can change rates and fees that apply to your Account. It also means we can add, replace\nor remove provisions of this Agreement. If required by applicable law, we\xe2\x80\x99ll give you notice of the changes. If you\nhave the right to reject a change, we\xe2\x80\x99ll notify you and tell you how to reject. If we notify you of a change, we may\ndo so on your billing statement or send you a separate written notice, either of which may be sent electronically if\npermitted by applicable law.\nChanging Benefits. Any benefit, reward, service or feature offered may change or be discontinued at any time for any\nreason. Separate terms and conditions will describe any exceptions.\n\nMISCELLANEOUS\nAssignment. We may assign any or all of our rights and obligations under this Agreement to a third party. You may not sell,\nassign or transfer your Account or any of your obligations under this Agreement.\nGoverning Law. Federal law and the law of South Dakota govern the terms and enforcement of this Agreement.\nEnforcing this Agreement. We won\xe2\x80\x99t lose our rights under this Agreement because we delay in enforcing them or fail to\nenforce them. If any provision of this Agreement is found to be unenforceable, all other provisions of the Agreement will\nremain in effect.\nCollection Costs. To the extent allowed by law, you\xe2\x80\x99re liable to us for our legal costs if we refer collection of your Account\nto a lawyer who isn\xe2\x80\x99t our salaried employee. These costs may include reasonable attorneys\xe2\x80\x99 fees, as well as costs and\nexpenses of any legal action.\nUnforeseen Circumstances. From time to time, our services might be unavailable due to circumstances beyond our\ncontrol (such as fires, floods, natural disasters, system failures or other unpredictable events). When this happens, you might\nnot be able to use your Card or obtain information about your Account. We\xe2\x80\x99re not responsible or liable if this happens.\nLost or Stolen Account Information. You must try to prevent the unauthorized use of your Account and any Card,\nincluding your Account number or any other means to access your Account. You must call us if any Card or means to\naccess your Account is lost or stolen. Also, you must call us if you think someone has used or may use these items without\npermission.\nHeadings. The headings in this Agreement are included as a matter of convenience and don\xe2\x80\x99t define, limit or enlarge the\nscope of this Agreement or any of its provisions.\n\nYOUR BILLING RIGHTS\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. Keep this\ndocument for future use.\n\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 on\nthe front of your statement.\n\nWPL-0721\n\n\x0cIn 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.\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.\n\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do 2 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 transaction 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 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\xe2\x80\x99re 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 is necessary if your purchase was based on an\nadvertisement 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.\nFor Further Information: Call the Customer Service number shown on the billing statement or on the back of your Card if\nyou need more information.\n\xc2\xa9 2021 Citibank, N.A.\nWPL-0721\n\n\x0c'