b'Card Agreement Guide\nThis Guide will help you easily identify sections of the Card Agreement and give you a brief overview of the contents of each section. This is not\nintended to be a complete summary of the Card Agreement\xe2\x80\x99s contents, and we encourage you to read your entire Card Agreement, including the\narbitration provision, before you use your Account.\n\n1\n2\n3\n4\n5\n6\n7\n\nDEFINITIONS\n\nLists the meanings of particular phrases and terms\nused in the Card Agreement.\n\nYOUR ACCOUNT\n\nDescribes some of your responsibilities for using\nyour Account.\n\nANNUAL PERCENTAGE RATES\n& INTEREST CHARGES\n\n8\n9\n\nShows how we calculate interest rates and how that\naffects your Account balance.\n\nFEES & FOREIGN CURRENCY CONVERSION\nDescribes the fees that can be applied to your Account,\nincluding late fees, returned payment fees, as well as\nforeign transaction fees for Purchases not in U.S. dollars.\n\nPAYMENTS\n\nShows how your monthly Minimum Payment Due is\ncalculated, tells you how we apply your payments to\nbalances, and gives you certain instructions for making\npayments (and tells you the possible consequences of\nnot following those instructions).\n\nAUTHORIZED USERS\n\nDescribes an Authorized User\xe2\x80\x99s rights and your\nresponsibility for that user. Also describes what\ninformation we can share about you and your\nAuthorized User.\n\nDEFAULT, CLOSING OR SUSPENDING\nYOUR ACCOUNT\n\nTells you when we may require immediate payment of\nyour total Account balance, and explains when we may\nclose or suspend your Account, and when you may close\nyour Account.\n\n10\n11\n12\n13\n14\n\nCREDIT REPORTING\n\nDescribes what information we provide about you to\ncredit reporting agencies, and how to dispute items on\nyour report. This section also explains how we use\ninformation we get about you from those agencies.\n\nACCOUNT INFORMATION, INFORMATION\nSHARING & COMMUNICATIONS\nExplains that your personal information we use to\nmanage your Account should always be up to date.\nAlso notes that we share information about you and\nyour Account. In addition, this section describes how\nwe may contact you.\n\nTRANSACTIONS\n\nProvides important information about merchant credits,\nrecurring Transactions and card refusals.\n\nARBITRATION\n\nExplains that you cannot go to court, have a jury trial or\ninitiate or participate in a class action if you have a\ndispute with us. Instead, this provision tells you that the\ndispute must be resolved by a professional arbitrator,\nnot a judge or jury. This section also explains how\narbitration works and some of the differences between\nresolving a dispute in arbitration and resolving one\nin court.\n\nAGREEMENT & BENEFIT CHANGES\n\nExplains that we can make changes to the Card\nAgreement and your card benefits and features.\n\nMISCELLANEOUS\n\nExplains subjects that aren\xe2\x80\x99t included in\nprevious sections.\n\nYOUR BILLING RIGHTS\n\nExplains your billing rights, which include how to\naddress possible statement mistakes and your rights\nif you\xe2\x80\x99re not satisfied with a Purchase.\n\n\x0cCard Agreement\nThis Card Agreement (Agreement) is your contract with us.\nThe Facts about Interest and Fees document (Fact Sheet) is part of this Agreement. The Fact Sheet shows important information about your Account,\nsuch as your annual percentage rates and certain fees. Any amendments to this Agreement also are part of this Agreement.\nPlease read all parts of this Agreement, including the arbitration provision, and keep it for your records.\nNote: Throughout the Agreement are examples, helpful tips and additional explanations\nthat will make the Agreement easier to understand.\n\n1\n\nDEFINITIONS\nAccount \xe2\x80\x93 Your Citi Account.\nAdjusted New Balance \xe2\x80\x93 Your New Balance less any Citi Flex Plan\nbalance.\nAnnual Percentage Rate (APR) \xe2\x80\x93 A rate, shown as a percentage, used\nto calculate interest on the balance on your Account.\nAuthorized User \xe2\x80\x93 Any person you allow to use your Account with a\nCard we provided with that person\xe2\x80\x99s name.\nBalance Transfer \xe2\x80\x93 Use of a Balance Transfer offer, including use of a\ncheck that accesses your Account for any transaction, or the transfer of\na balance from another credit account to your Account.\nBilling Period \xe2\x80\x93 The period of time between each date when we create\na statement for your Account. A Billing Period is usually 28 \xe2\x80\x93 33 days.\nFor each Billing Period, your statement will show any Transactions, other\ncharges, payments and other credits posted during that Billing Period.\nBusiness Day \xe2\x80\x93 Monday through Friday, excluding federal holidays.\nCard \xe2\x80\x93 One or more cards or other devices (including an account\nnumber) used to access your Account to obtain credit.\nCard Networks \xe2\x80\x93 Organizations, such as Mastercard, Visa and\nAmerican Express, that facilitate the payment process between a\ncardmember, merchants and a card issuer.\nCash Advance \xe2\x80\x93 Use of your Card to get cash, including foreign\ncurrency, or for what we consider a cash-like transaction. Examples\ninclude using your Card for: ATM and teller withdrawals, wire transfers,\nmoney orders, traveler\xe2\x80\x99s checks, lottery tickets, gaming chips and other\nmethods used for gambling, wagers and other betting transactions.\nA Citi Flex Loan is not a Cash Advance.\nCiti Flex Loan \xe2\x80\x93 Funds provided to you by check or by direct deposit\nthat you select to be charged to your Account and repaid under a Citi\nFlex Plan. Balance Transfers and Cash Advances are not Citi Flex\nLoans.\n\nCiti Flex Pay \xe2\x80\x93 Eligible Transactions that you select to be paid under a\nCiti Flex Plan.\nCiti Flex Plan \xe2\x80\x93 A feature on your Account to pay Citi Flex Loans or Citi\nFlex Pay amounts in fixed payments over a defined number of Billing\nPeriods subject to a Citi Flex Plan APR.\nConsumer Reporting Agency \xe2\x80\x93 An organization, such as Experian,\nEquifax and TransUnion, that compiles credit information for the purpose\nof generating consumer credit reports. It\xe2\x80\x99s also known as a \xe2\x80\x9ccredit\nbureau\xe2\x80\x9d and a \xe2\x80\x9ccredit reporting agency.\xe2\x80\x9d\nInclude and including \xe2\x80\x93 These terms mean \xe2\x80\x9cinclude [or including]\nwithout limitation.\xe2\x80\x9d\nLate Payment \xe2\x80\x93 A payment is late if you don\xe2\x80\x99t pay at least an amount\nequal to the Minimum Payment Due minus any Overlimit Amount by the\npayment due date.\nNew Balance \xe2\x80\x93 The total amount you owe us at the end of each Billing\nPeriod. This amount is shown on each statement under the heading\n\xe2\x80\x9cNew Balance.\xe2\x80\x9d We explain how we calculate the New Balance below.\nOverlimit Amount \xe2\x80\x93 The amount by which your Account balance\nexceeds your credit limit in any Billing Period.\nPurchase \xe2\x80\x93 Use of your Card to buy goods and services. Balance\nTransfers and Cash Advances are not Purchases.\nReturned Payment \xe2\x80\x93 A payment that isn\xe2\x80\x99t honored by your\nfinancial institution.\nTransaction \xe2\x80\x93 A Balance Transfer, Cash Advance, Purchase or\nCiti Flex Plan, as applicable.\nwe, us and our \xe2\x80\x93 Citibank, N.A.\nyou and your \xe2\x80\x93 The cardmember who opened the Account.\n\nYou\xe2\x80\x99ll find definitionsof other terms within this Agreement.\n\n1\n\n\x0c2\n\nYOUR ACCOUNT\nYour Account use is subject to this Agreement. You must pay us for\nall amounts due on your Account, including:\n\nCiti Flex Plan. Your ability to create a Citi Flex Plan will depend on the\namount of your available credit, creditworthiness, and other factors. We\nmay limit the number of active Citi Flex Plans you can have and we may\nchange this number at any time. There are two ways to create a Citi Flex\nPlan \xe2\x80\x93 Citi Flex Pay and Citi Flex Loan.\n\n1. Transactions you make, even if you didn\xe2\x80\x99t present your Card or sign\nfor the Transaction;\n2. Transactions an Authorized User makes;\n\nWith Citi Flex Pay, you can pay for eligible Transactions under a Citi\nFlex Plan. An eligible Transaction for Citi Flex Pay must be a Purchase of\nat least a specified dollar amount and does not include a Purchase of\ncash or cash equivalent, a Purchase subject to Foreign Transaction Fees\nor any fee owed to us. Other exclusions may apply.\n\n3. Transactions that other people make if you or an Authorized User let\nthem use your Account; and\n4. Any fees and interest charges on the Account.\nBinding Agreement. This Agreement takes effect once you use your\nCard. Even if you don\xe2\x80\x99t use your Card, this Agreement will take effect\nunless you contact us to cancel your Account within 30 days after we\nsent you this Agreement.\n\nWith Citi Flex Loan, you can use your Account\xe2\x80\x99s credit line to access\nfunds and pay such funds under a Citi Flex Plan. You can only create a\nCiti Flex Loan if you receive an offer. The offer will tell you the terms,\nincluding the APR, that will apply to that Citi Flex Loan.\n\nCredit Limit. We assign a credit limit to your Account. Part of this credit\nlimit may be available for Cash Advances, and there may be a limit on\nthe amount of Cash Advances you can take in a given period. We\nmay authorize Transactions that cause your balance to exceed your\ncredit limit.\n\nUnlawful Transactions. You aren\xe2\x80\x99t permitted to use your Account for\nunlawful Transactions. If you do use your Account for unlawful\nTransactions, this Agreement still applies and you must pay us for those\nTransactions. You also may have to pay the Card Network and/or us for\nany damages and expenses resulting from that use. In addition, we may\nclose your Account.\n\nACCOUNT USE\n\nMobile Phone or Other Devices. Smart phones, tablets and other\nelectronic devices can store your Card (such as through a mobile wallet).\nThis means they can be used to make Purchases or other Transactions.\nAny such Transactions are covered by this Agreement. Apps that use\nyour Card to make Transactions may have separate terms of use. We\xe2\x80\x99re\nnot responsible if you violate those terms, or for any consequences\nresulting from any violation.\n\nConsumer Purposes. You aren\xe2\x80\x99t permitted to use your Account for\nbusiness purposes. If you do use your Account for business purposes,\nthis Agreement still applies, and you must pay us for those Transactions.\nYou have to pay us for any damages and/or expenses resulting from that\nuse. In addition, we may also close your Account.\n\nNote: It\xe2\x80\x99s important to protect your devices the same way you protect your Card.\nAnyone who can access your Card using your device also can make charges to your Account using that device.\n\n3\n\nANNUAL PERCENTAGE RATES & INTEREST CHARGES\nThe following sections explain how we calculate the interest you\nowe each Billing Period.\nAPRs. We use APRs to calculate interest charges on your Account.\nDifferent APRs may apply to different Transactions. See the listing of your\nAPRs on the Fact Sheet.\nVariable APRs. A variable APR is an APR that can change each Billing\nPeriod. We calculate each variable APR first by taking the U.S. Prime\nRate from The Wall Street Journal (WSJ) two Business Days before the\nlast day of each Billing Period. (If the WSJ doesn\xe2\x80\x99t publish the U.S. Prime\nRate that day, then we\xe2\x80\x99ll use another publication.) Then we add to the\nU.S. Prime Rate a certain percentage amount, which we call the Margin.\nYou can find the Margin we use for your Account in the Details About\nYour Interest Rate section of the Fact Sheet. Your variable APRs will\nincrease if the U.S. Prime Rate increases and decrease if the U.S. Prime\nRate decreases. If a variable APR increases, then your interest charges\nand Minimum Payment Due may increase.\n\nHow is a variable APR calculated?\nIf the U.S. Prime Rate published in the WSJ two Business Days\nbefore the end of a Billing Period is 5%; and\nIf the Margin is 13.99%; then\nAdd the two together to calculate a variable APR:\n5% + 13.99% = 18.99%\nIf the U.S. Prime Rate changes, we\xe2\x80\x99ll apply the new variable APR starting\nfrom the first day of the Billing Period when we take the U.S. Prime Rate\nfrom the WSJ. The new APR will apply to existing balances, as well as\nbalances added to your Account after the change.\nPenalty APR. If you have a Late or a Returned Payment, we may apply\na penalty APR to your Account. We determine your penalty APR based\non your creditworthiness.\ncontinued on next page\n\n2\n\n\x0cSection 3 \xe2\x80\x94 ANNUAL PERCENTAGE RATES & INTEREST CHARGES (continued)\n\n\xe2\x80\xa2 Penalty APR for new Transactions (less than 60 days late).\nIf you make a Late Payment and it\xe2\x80\x99s less than 60 days late or you\nhave a Returned Payment, the penalty APR only will apply to new\nTransactions. We\xe2\x80\x99ll review your Account from time to time, to\ndetermine if any penalty APR should be reduced.\n\xe2\x80\xa2 Penalty APR for existing balances and new Transactions (60 or\nmore days late). If we haven\xe2\x80\x99t received your Minimum Payment Due\nwithin 60 days after its due date, we may apply the penalty APR to\nboth the existing balances and new Transactions. If you make your\nnext 6 consecutive Minimum Payments Due on time, we\xe2\x80\x99ll stop\napplying the penalty APR to existing balances and new Transactions.\nIf you don\xe2\x80\x99t make your next 6 consecutive Minimum Payments Due on\ntime, the penalty APR may continue to apply indefinitely to existing\nbalances and new Transactions.\nDaily Balance\nWe calculate interest on your Account each Billing Period first by\ncalculating your daily balances. The following explains how we do that.\nHere\xe2\x80\x99s how and when Transactions, fees and credits are applied to\nthe balances on your Account:\n\xe2\x80\xa2 We add the amount of a Purchase or Balance Transfer to the\nPurchase balance as of the post date on your statement.\n\xe2\x80\xa2 We add the amount of a Cash Advance to the Cash Advance balance\nas of the post date on your statement.\n\xe2\x80\xa2 We add a Balance Transfer fee to the Purchase balance as of the post\ndate on your statement.\n\xe2\x80\xa2 We add the amount of any eligible Transaction under Citi Flex Pay or a\nCiti Flex Loan to a Citi Flex Plan balance as of the post date on your\nstatement. If you moved an amount from another balance within your\nAccount to a Citi Flex Plan, we will credit the other balance in the\namount you added to a Citi Flex Plan in order to avoid double counting\nthat amount.\n\xe2\x80\xa2 We add a Cash Advance fee to the Cash Advance balance as of the\npost date on your statement. We\xe2\x80\x99ll add any other fees to the balance\nof our choice. If you\xe2\x80\x99re charged interest in a Billing Period, but the\namount calculated is less than $0.50, we\xe2\x80\x99ll add additional interest to\nthe balance(s) of our choice so that you\xe2\x80\x99ll be charged $0.50 in interest\nfor that Billing Period.\n\xe2\x80\xa2 We subtract credits and payments as of the post date shown on\nyour statement.\n\xe2\x80\xa2 Each balance may have a different APR. Certain categories of\nTransactions in a balance may have multiple APRs. For example, you\nmay make a Purchase or Balance Transfer, or create a Citi Flex Plan,\nthat\xe2\x80\x99s subject to a promotional APR. Your balances, and their\ncorresponding APRs, are shown on your statement.\nNote: The post date shown on your statement will usually be the date\nof the Transaction, but it may be later.\nHere\xe2\x80\x99s how we calculate each of the daily Purchase, Cash Advance\nand Citi Flex Plan 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\ninterest accrued on the previous day\xe2\x80\x99s balance. This means that\ninterest is compounded daily.\n\n\xe2\x80\xa2 We subtract any credits or payments credited as of that day.\n\xe2\x80\xa2 We make additional adjustments as appropriate, subject to\napplicable law (as an example, for a disputed charge). This gives us\nthe daily balance for that day.\nDaily balance for purchases from the previous day\n+ New purchases\n+ Fees and interest accrued on the previous day\xe2\x80\x99s Purchase\nbalance\n\xe2\x80\x93 Payments, credits and adjustments posted that day\n= New daily balance for Purchases\nInterest Calculation. Each daily balance may have a different APR.\nCertain categories of Transactions in a daily balance may have multiple\nAPRs. For example, you may make a Purchase or Balance Transfer\nthat\xe2\x80\x99s subject to a promotional APR. If a daily balance on your Account\nis subject to an APR, we\xe2\x80\x99ll charge interest on that daily balance. We\nuse the daily balance method (which includes new Transactions). If\ninterest applies to a balance, it will start applying on the day a charge is\nadded to that balance and continue until that balance is paid in full. We\nconsider a credit balance as a balance of zero when calculating\ninterest on that balance.\n\xe2\x80\xa2 We multiply each daily balance by its applicable daily periodic rates\n(each applicable APR divided by 365).\n\xe2\x80\xa2 We do this for each day in the Billing Period. This gives us the daily\ninterest amounts.\n\xe2\x80\xa2 Then we total all the daily interest amounts for all the daily balances.\nThis gives us the total interest for the Billing Period.\nNote: Your balances, and their corresponding APRs, are shown on\nyour statement.\nCalculating the New Balance. To calculate the New Balance at the\nend of each Billing Period, we begin with the total Account balance at\nthe start of that Billing Period. Then we add any Transactions that are\nnew to the Account during that Billing Period. Then we subtract any\ncredits applied or payments made during that Billing Period. Then we\nadd any interest charges or fees incurred during that Billing Period and\nmake any other adjustments, as applicable (for example, if you have\ndisputed a charge).\nGrace Period on Purchases. You won\xe2\x80\x99t pay any interest on\nPurchases if you pay the Adjusted New Balance, including any Balance\nTransfers, plus any Citi Flex Plan Payment Amount, in full by the\npayment due date shown on your statement each Billing Period. We\ncall this a grace period on purchases. If you don\xe2\x80\x99t pay your Adjusted\nNew Balance in full, plus any Citi Flex Plan Payment Amount, by the\npayment due date in a Billing Period, you\xe2\x80\x99ll pay interest on your\nPurchases from the date they\xe2\x80\x99re posted to your Account. You also\nwon\xe2\x80\x99t have a grace period on Purchases again until you pay the\nAdjusted New Balance in full, plus any Citi Flex Plan Payment Amount,\nby the payment due date 2 Billing Periods in a row.\nThere\xe2\x80\x99s no grace period on Balance Transfers and Cash Advances.\nThis means you\xe2\x80\x99ll pay interest on Balance Transfers and Cash\nAdvances from the date these Transactions post to your Account.\n\ncontinued on next page\n\n3\n\n\x0cSection 3 \xe2\x80\x94 ANNUAL PERCENTAGE RATES & INTEREST CHARGES (continued)\n\nImportant Information about Citi Flex Plans: We apply any\namount you pay over your Minimum Payment Due first to the balance\nwith the highest APR, then to the balance with the next highest APR,\nand so on, as described in Section 5, Application of Payments. This\nmeans that, if the APR for a Citi Flex Plan balance is higher than an\nAPR that applies to another balance on your Account, we will apply\nthe amount you pay above the Minimum Payment Due to that Citi\nFlex Plan balance prior to that other balance. This will cause you to\npay off that Citi Flex Plan balance before the end of its repayment\nperiod and may result in an amount remaining due on your next\nbilling statement for the other balance, increasing your Adjusted New\nBalance on your next billing statement.\nYou can see your balances and their corresponding APRs on your\nstatement.\nFor example, in a sample Billing Period, an Account with no past\ndue or Overlimit Amounts, has:\nCiti Flex Plan: $5,000 with a repayment period of 24 months at\n16.99% APR\nCiti Flex Plan statement balance in sample Billing Period:\n$4,090\n\nThe New Balance for the Account: is $9,090. The Adjusted New\nBalance is the New Balance ($9,090) less the Citi Flex Plan\nBalance ($4,090): $5,000. Your Minimum Payment Due is $323\n($75 + $248). To retain your grace period on purchases, you must\npay the Adjusted New Balance ($5,000) plus your Citi Flex Plan\nPayment Amount ($248): $5,248.\nIf your Purchase APR is equal to or higher than your Citi Flex Plan\nAPR and you make a payment to retain your grace period on\npurchases ($5,248), your Purchase balance will be reduced to $0.\nThis means that, to retain your grace period on purchases in the\nnext Billing Period, you will be required to pay $248 (your Citi Flex\nPlan Payment Amount), assuming you do not make any new\nTransactions.\n\nGrace Period for Citi Flex Plan balances. When you create a Citi\nFlex Plan, you will be charged interest on the Citi Flex Plan balance\nfrom the start of the Billing Period following the Billing Period when\nyou created the Citi Flex Plan. This means that you will not be\ncharged interest on the Citi Flex Plan balance during the Billing\nPeriod in which you created the Citi Flex Plan.\n\nCiti Flex Plan interest charge in sample Billing Period: $56.92\nCiti Flex Plan Payment Amount per Billing Period: $248\nand\nPurchase balance: $5,000\nMinimum Payment Due for Purchases: $75\n(Calculations are approximate and for illustrative purposes only.)\n\n4\n\n\x0c4\n\nFEES & FOREIGN CURRENCY CONVERSION\n\nFEES\nFee\n\nAmount\n\nAbout the Fee\n\nAnnual Membership Fee\n\nSee Pricing Table\n\nIf your Account has an annual membership fee, the Fact Sheet shows this fee.\nYou\xe2\x80\x99llsee this annual fee on your first statement after opening your Account and\neach year after that. We\xe2\x80\x99llcharge the fee if your Account is open, even if you\ndon\xe2\x80\x99t have a balance.\n\nLate Fee\n\nUp to $40\n\nWe have the right to charge you a late fee if you don\xe2\x80\x99t pay at least an amount\nequal to the Minimum PaymentDue minus any OverlimitAmountby the payment\ndue date. The late fee is $29 and, if you make another Late Payment withinthe\nnext 6 Billing Periods the late fee will be $40. The amount of your late fee will\nnever be higher than your Minimum Payment Due.\n\nReturned Payment Fee\n\nUp to $40\n\nWe have the right to charge you a Returned Payment fee of $29 if your bank\ndoesn\xe2\x80\x99t honor your payment. If that happens, we\xe2\x80\x99ll resubmit the payment request.\nIf your bank doesn\xe2\x80\x99t honor another payment within 6 consecutive Billing Periods,\nthe returned payment fee will go up to $40.\n\nTransactionFee for\nBalance Transfers\n\nEither $5 or 3% of the amount of\neach transfer,whichever is greater.\n\nWe charge you a fee for each Balance Transfer.\n\nTransactionFee for\nCash Advances\n\nEither $10 or 5% of the amount of each\ncash advance, whichever is greater.\n\nWe charge you a fee for each Cash Advance.\n\nTransactionFee for Purchase\nin Foreign Currency\n\n3% of the amount of the Transaction\nafter conversion to U.S. dollars.\n\nWe chargeyou a fee for a Purchase made in a currency other than U.S. dollars\nregardlessof where the Transactiontakes place or who the merchant is.\n\nFOREIGN CURRENCY CONVERSION\nForeign Currency Conversion \xe2\x80\x93 Purchases. A Card Network converts the\namount of a Purchase in a foreign currency into U.S. dollars. Each Card Network\nfollows its own procedures for conversion. These procedures include how the\nCard Network chooses an exchange rate and when to do the conversion. For\nexample, Visa chooses either a government-mandated exchange rate or\nchooses from a range of rates available on wholesale currency markets (and,\nin either case, the exchange rate that it chooses may be less favorable than\nthe rate that Visa itself, receives when it makes foreign currency transactions).\nDepending on the policies of each Card Network, the exchange rate chosen\nmay be the one in effect on the day the Card Network does the conversion, or\non the day before. The exchange rate that a Card Network uses to convert the\nPurchase to U.S. dollars may differ from the rate in effect on the date you made\nthe Purchase or on the post date for that Purchase shown on your statement.\nThe Card Network\xe2\x80\x99s procedures may change without notice.\nIf a third party, such as a merchant, converts the amount of a Purchase into U.S.\ndollars before sending the Purchase to a Card Network, the third party chooses\nthe conversion rate instead of the Card Network.\n\nForeign Currency Conversion \xe2\x80\x93 Cash Advances. If you take a Cash\nAdvance in a foreign currency at an ATM or branch of a financial\ninstitution, it may not be the Card Network in all instances that converts\nthe Transaction into U.S. dollars. Instead, depending on where the\nTransaction takes place, another third party, such as a financial\ninstitution, ATM network or ATM operator, may do the conversion. We do\nnot 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\nexchange rate and when to do the conversion. The exchange rate in\neffect on the date the Cash Advance is converted to U.S. dollars may\ndiffer from the rate in effect on the date you took the Cash Advance or\nthe post date for that Transaction shown on your statement. The\nexchange rate may also differ from any rate quoted to you when you\nmade the Transaction.\n\n5\n\n\x0c5\n\nPAYMENTS\nMinimum Payment Due. You may pay all or a part of your Account\nbalance at any time. You must pay at least the Minimum Payment Due by\nthe payment due date each Billing Period.\nYour \xe2\x80\x9cMinimum Payment Due\xe2\x80\x9d equals:\n\xe2\x80\xa2 Any amount past due; plus\n\xe2\x80\xa2 Any Overlimit Amount; plus\n\xe2\x80\xa2 Any Citi Flex Plan Payment Amount; plus\n\xe2\x80\xa2 The greater of:\n1. The Adjusted New Balance, if it\xe2\x80\x99s less than $35;\n2. $35 if the Adjusted New Balance is at least $35;\n3. 1% of the Adjusted New Balance (rounded to the nearest dollar),\nplus any billed interest or minimum interest charge, plus any late\nfee; or\n4. 1.5% of the Adjusted New Balance (rounded to the nearest dollar).\nThe Minimum Payment Due is never more than the New Balance.\nNote: Your payment due date is typically the same day of the month every\nmonth. You may request a change to your monthly due date.\n\n\xe2\x80\xa2 The number of months in the Citi Flex Plan repayment period.\n\xe2\x80\xa2 We then round the result up to the nearest dollar.\nThe formula we use for determining the amount described directly\nabove is:\n\xe2\x80\xa2 The Citi Flex Plan balance, multiplied by\n\xe2\x80\xa2 (IPAPR / 12 ) / (1-(1 + IPAPR / 12 ) -N), rounded up to the nearest\ndollar. \xe2\x80\x9cIPAPR\xe2\x80\x9d equals the specific Citi Flex Plan APR applicable to the\nCiti Flex Plan balance. \xe2\x80\x9cN\xe2\x80\x9d equals the number of months in the Citi Flex\nPlan repayment period.\nThe actual interest charged on your Plan will be calculated as described\nin Section 3. Your first Citi Flex Plan Payment Amount will be due in the\nBilling Period following the Billing Period in which you created the Citi Flex\nPlan. If you do not pay your Minimum Payment Due in full by the due\ndate, you may owe additional interest on your Citi Flex Plan balance. This\nwill not increase the Citi Flex Plan Payment Amount for subsequent Billing\nPeriods, but you may be required to make additional payments after the\nend of the Citi Flex Plan repayment period to pay your Citi Flex Plan\nbalance (including any additional interest) in full.\n\nNew Balance: $2,500\nInterest: $18.54\n\nIf you have not paid your Minimum Payment Due for any three Billing\nPeriods during the Citi Flex Plan, and the Minimum Payment Due for\nthose three Billing Periods remains outstanding at the end of your current\nBilling Period, we may cancel any existing Citi Flex Plan from your\nAccount, then add the balance of any canceled Citi Flex Plan to the\nPurchase balance, retaining the Citi Flex Plan APR that was in effect at\ntime of cancellation. We may also do this if:\n\nSince the New Balance is more than $35, and there are no past due or\nOverlimit amounts, the Minimum Payment Due will be the greater of:\n\n\xe2\x80\xa2 You file for bankruptcy or some other insolvency\nproceeding is filed by or against you.\n\n1% of the New Balance\n(1.0% x $2,500: $25.00) + interest ($18.54): $43.54\nor\n1.5% of the New Balance (1.5% x $2,500): $37.50\n\n\xe2\x80\xa2 You don\xe2\x80\x99t honor the terms of this Agreement.\n\nHow is the Minimum Payment Due calculated?\nFor example, in a sample Billing Period, an Account with no past due,\nOverlimit or Citi Flex Plan Payment amount has:\n\nSince 1% of the New Balance plus interest ($43.54) is greater than\n1.5% of the New Balance ($37.50) the Minimum Payment Due is\n$43.54.\nCiti Flex Plan Payment Amount. The Minimum Payment Due will include\nany amount due on a Citi Flex Plan balance each Billing Period (the \xe2\x80\x9cCiti\nFlex Plan Payment Amount\xe2\x80\x9d). You must pay the Citi Flex Plan Payment\nAmount each Billing Period, calculated as described below, for so long as\nany balance remains in the Citi Flex Plan. The Citi Flex Plan Payment\nAmount will never be more than the amount of the Citi Flex Plan balance.\nWe determine the Citi Flex Plan Payment Amount for each Citi Flex Plan\nthat you will pay in each Billing Period as follows:\n\xe2\x80\xa2 The Citi Flex Plan balance as of the date you create the Citi Flex Plan,\nplus\n\xe2\x80\xa2 The estimated interest charges for the Citi Flex Plan calculated on the\ndaily balance from the start of the next Billing Period following the\nBilling Period in which you created the Citi Flex Plan through the end of\nthe Citi Flex Plan repayment period (assuming that you pay the\nMinimum Payment Due on your Account each month on the due date),\nthe sum of which is divided by:\n\n\xe2\x80\xa2 You\xe2\x80\x99re declared incompetent or mentally incapacitated or in\nthe event of your death.\n\xe2\x80\xa2 You enter into a hardship assistance program.\nIf any of the above events occur, we will calculate the Minimum Payment\nDue as part of the Adjusted New Balance as described in Section 5 and\nyou will no longer pay a monthly Citi Flex Plan Payment Amount. Any\ncanceled Citi Flex Plan balance amount that was added to a Purchase\nbalance will not be added back to a Citi Flex Plan balance, even if you\npay your outstanding Minimum Payment Due in full. You will not be\neligible to create another Citi Flex Plan until you pay your outstanding\nMinimum Payment Due in full, and then only if we offer you the\nopportunity to create another Citi Flex Plan.\nImportant Information about Citi Flex Plans and Promotional APRs:\nIf your Citi Flex Plan APR is higher than any other APR, such as a\npromotional Balance Transfer APR, we will apply any payment you make\nabove the Minimum Payment Due to that Citi Flex Plan balance prior to\nthe lower APR balances. This means that if you want to pay off a\nbalance with a lower promotional APR before the promotional period\nexpires, you must first pay off all your other balances with higher\nAPRs, including your Citi Flex Plan balance, before you can pay off\nthat promotional balance.\ncontinued on next page\n\n6\n\n\x0cSection 5 \xe2\x80\x94 PAYMENTS (continued)\n\nFor example, in a sample Billing Period, an Account with no past due\nor Overlimit Amounts, has:\nCiti Flex Plan: $5,000 with a repayment period of 24 months at\n16.99% APR\nCiti Flex Plan statement balance in sample Billing Period: $4,090\nCiti Flex Plan interest charge in sample Billing Period: $56.92\nCiti Flex Plan Payment Amount per Billing Period: $248\nAnd\nBalance Transfer amount: $3,500\nBalance Transfer promotional APR: 0.00% (increases to standard\nPurchase APR of 19.99% after the promotion period ends in the\nnext Billing Period)\n\nApplication of Payments. We decide how to apply your payment, up\nto the Minimum Payment Due, to the balances on your Account. We\nmay apply the Minimum Payment Due first to interest charges, then to\nthe balance with the lowest APR and then to balances with higher\nAPRs. If you pay more than the Minimum Payment Due, we\xe2\x80\x99ll apply the\namount over the Minimum Payment Due first to the balance with the\nhighest APR, then to the balance with the next highest APR, and so on,\nexcept as otherwise required by applicable law.\nPayment Instructions. You must follow the instructions below when\nmaking a payment. If you do, we\xe2\x80\x99ll credit the payment to your Account\nas of the day we receive it.\n1. You must pay in U.S. dollars.\n2. You must use a check or electronic debit issued by a bank in\nthe United States.\n3. You must not send us a check dated after the date that we\nreceive it.\n\nMinimum Payment Due for Balance Transfer amount: $53\n\n4. You must not enclose more than one check per envelope.\n\n(Calculations are approximate and for illustrative purposes only.)\n\n6. You must follow the additional payment instructions shown on\nyour statement.\n\nThe New Balance for the Account: is $7,590. The Adjusted New\nBalance is the New Balance ($7,590) less the Citi Flex Plan Balance\n($4,090): $3,500. Your Minimum Payment Due is $301 ($53 + $248).\nYou make a payment of $3,748, which includes the Minimum Payment\nDue ($301) and an additional amount over your Minimum Payment\nDue ($3,447). Because the Citi Flex Plan APR is higher than the\nBalance Transfer APR, the amount of your payment over the Minimum\nPayment Due will be applied to your Citi Flex Plan balance before the\nBalance Transfer amount, leaving a Balance Transfer amount of\n$3,447. In the next Billing Period when the Balance Transfer\npromotional period ends, you will owe interest on this Balance\nTransfer amount at a 19.99% APR.\n\n5. You must not include any restrictive endorsements on the check.\n\nIf you don\xe2\x80\x99t pay in U.S. dollars and we accept your payment, we\xe2\x80\x99ll\nselect the currency conversion rate, and you must pay our costs. If you\ndon\xe2\x80\x99t follow our payment instructions, we may not accept your\npayment, or there may be a delay in crediting your Account. Either\ncase may result in late fees and additional interest charges to your\nAccount. If you don\xe2\x80\x99t follow the instructions in this Agreement or on\nyour statement, we may accept your payment without losing our\nrights. We may reject a payment if it\xe2\x80\x99s more than the outstanding\nAccount balance. We also may close your Account.\n\n7\n\n\x0c6\n\nAUTHORIZED USERS\nAccount Use by Authorized Users. You can ask us to add one or more\nAuthorized Users to your Account. If we approve, use of your Account by\nan Authorized User is subject to the terms of this Agreement. You must:\n\nWhat can Authorized Users do?\n\xe2\x80\xa2 Report lost or stolen Cards\n\xe2\x80\xa2 Request statement copies\n\n\xe2\x80\xa2 Obtain permission from each Authorized User before naming him or\nher as an Authorized User on your Account.\n\n\xe2\x80\xa2 Initiate billing disputes\n\xe2\x80\xa2 Make payments\n\n\xe2\x80\xa2 Make a copy of this Agreement available to each Authorized User.\n\xe2\x80\xa2 Pay us for all charges incurred by each Authorized User.\n\n\xe2\x80\xa2 Change the billing address for\nyour Account\n\xe2\x80\xa2 Request refund checks\n\xe2\x80\xa2 Obtain Account information\nsuch as Transaction histories\n\nInformation about Authorized Users. You agree to give us certain\npersonal information about each Authorized User. You must let each one\nknow that you\xe2\x80\x99ll give us that information and you must have his or her\npermission to do so. You must have permission from each one to allow\nus to share information about him or her as allowed by applicable law.\nThis includes information we may get from you, any Authorized User\nand others. It also includes information about their Transactions on\nthe Account.\n\n\xe2\x80\xa2 Notify us to remove an Authorized User from your Account.\nIf we remove an Authorized User, in some cases we may close your\nAccount, open a new Account and issue you a new Card.\nYou\xe2\x80\x99re responsible for:\n\xe2\x80\xa2 Any Transactions made by an Authorized User on your Account.\n\xe2\x80\xa2 Any Transaction made by an Authorized User even if the post date\nshown on your statement for that Transaction occurs after the date\nyou ask us to remove the Authorized User from your Account.\n\nCredit Reporting. We report information about this Account to\nConsumer Reporting Agencies in the Authorized User\xe2\x80\x99s name that may\nappear on their credit report. This could include information about:\n\n\xe2\x80\xa2 Any Transactions made by others if an Authorized User allows them to\nuse your Account.\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\xa2 Fees and charges resulting from any Transactions made by an\nAuthorized User or others if an Authorized User allows them to use\nyour Account.\n\nLate Payments;\nOverlimit Amounts;\nReturned Payments; and\nOther violations of this Agreement.\n\nYou must let each Authorized User know that we report Account\ninformation in his or her name. Also, see Credit Reporting in Section 8.\n\nAccount Information Rights for Authorized Users. You allow us to\ndiscuss your Account with an Authorized User. This includes giving him\nor her access to your Account information and history. You also agree\nthat an Authorized User may use and receive information about the\nAccount the same way you do. An Authorized User can\xe2\x80\x99t add other\nAuthorized Users, adjust the credit limit or close the Account.\n\n7\n\nDEFAULT, CLOSING OR SUSPENDING YOUR ACCOUNT\nDefault. We may require immediate payment of your total Account\nbalance, to the extent allowed by law, if any of the following occur:\n1. You don\xe2\x80\x99t pay at least the Minimum Payment Due by the due date.\n2. You have a Returned Payment.\n3. You file for bankruptcy or some other insolvency proceeding is\nfiled by or against you.\n4. You don\xe2\x80\x99t honor the terms of this Agreement.\n5. You default under any other card agreement you have with us.\n6. You\xe2\x80\x99re declared incompetent or mentally incapacitated, or in the\nevent of your death.\n\nClosing or Suspending Your Account. We may close or suspend your\nAccount if any of the events listed above occur, or for any reason, or for\nno reason. We may do this at any time, without notifying you, as allowed\nby law. We may cancel your current Card and issue you a substitute Card\nat any time. You also may close your Account at any time by notifying us\nby telephone or in writing. If we close or suspend your Account, or if you\nclose your Account, you must pay us all amounts you owe on the Account\n(including any amount due on a Citi Flex Plan balance), even if they post\nto your Account after it\xe2\x80\x99s closed or suspended.\nClosing Secured Accounts. If your Account is a secured Account, you\ngave us a security interest in a deposit account. This secures repayment\nof your Account. If you withdraw your funds from the deposit account, we\nwill close your Account. If you gave us a security interest in a deposit\naccount, we may use the deposit amount to pay any amount you owe.\n\n8\n\n\x0c8\n\nCREDIT REPORTING\nYou allow us to get information about you. We get it from Consumer\nReporting Agencies and other sources that provide consumer financial\ninformation. You allow us to use it for:\n\nThe information we provide may appear on your credit reports. This can\ninclude information about:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\xa2 Renewal of your Account;\n\xe2\x80\xa2 Credit line increases or decreases;\n\xe2\x80\xa2 Administration or review of your Account, collection and any\nother servicing;\n\xe2\x80\xa2 All other credit-related purposes connected with this Agreement;\n\xe2\x80\xa2 Offers for other cards, insurance products and other services; and\n\xe2\x80\xa2 Other uses permitted by law.\n\nLate Payments;\nOverlimit Amounts;\nReturned Payments; and\nOther violations of this Agreement.\n\nIf you think we\xe2\x80\x99ve given incorrect information to a Consumer Reporting\nAgency about you (or about an Authorized User), please write to us at the\nCustomer Service address on your statement and we\xe2\x80\x99ll research it. We\xe2\x80\x99ll\nlet you know if we agree or disagree with you. If we agree with you, we\xe2\x80\x99ll\ncontact each Consumer Reporting Agency we reported to and request a\ncorrection.\n\nWe report Account information in your name, as well as information\nabout you to Consumer Reporting Agencies, on a monthly basis.\n\n9\n\nACCOUNT INFORMATION, INFORMATION SHARING & COMMUNICATIONS\nChanges to Account Information. You provided certain personal\ninformation to us when you opened your Account. You agree to notify\nus if this information changes. If you don\xe2\x80\x99t, or if we ask you to verify\nyour Account information and you cannot, we may suspend or close\nyour Account.\n\nThis includes communications to mobile, cellular/wireless or similar\ndevices. We may contact you by live operator, auto-dialer, recorded or\nartificial voice, text or email.\n\nInformation Sharing. You agree to let us share information about you\nand your Account as allowed by law. This includes information we get\nfrom you and others. Our privacy notice, which is enclosed with your new\nAccount materials, describes reasons Citi can share its customers\xe2\x80\x99\npersonal information.\n\nHow We Capture and Use Voiceprints. We may use voice recognition\ntechnology to verify your identity when you call. We may capture and\nstore your voiceprint for this purpose.\n\nCOMMUNICATIONS\nContacting You. You agree that we (and/or our service providers or\nanyone we authorize) may contact you at any phone number, email\naddress or mailing address you provide or we obtain in other ways.\n\nYou agree to pay any charges from your plan provider for communications\nwe send to you, as well as communications you send to us.\n\nCall Monitoring. We may monitor and record any calls between you\nand us.\nNotices. We send any notices to your billing address or, if you\xe2\x80\x99ve agreed,\nby email to the address you gave us. We consider a notice sent as soon\nas we mail it. We consider an electronic notice sent as soon as we email\nit, unless we receive notification that the email was undeliverable.\n\n10\n\nTRANSACTIONS\n\nMerchant Refunds. A merchant refund to your Account will post to your\nAccount as a credit. We don\xe2\x80\x99t control when a merchant sends an Account\ncredit. We\xe2\x80\x99ll choose how to apply the credit to your existing Account\nbalances, including whether to apply a credit to a Citi Flex Plan or a\ndifferent balance. If you believe a merchant credit has not been applied\nproperly, please contact us. If a credit creates a credit balance on your\nAccount, we\xe2\x80\x99ll mail you a check for the amount of the credit balance.\nNote: Merchant Surcharges. Some merchants, including merchants\noutside the U.S., may charge you a fee to use your Card for a Purchase.\nThe fee will be either a percentage of the amount of your Purchase,\nor a flat fee, and will be added to the amount of your Purchase. Usually,\na merchant will tell you about this fee before you use your Card, but not\nalways. We don\xe2\x80\x99t control these fees, and can\xe2\x80\x99t prevent them.\n\nRecurring Authorized Transactions. If you authorize a merchant or any\nother person to charge your Account for recurring Transactions, you must\nnotify the merchant if:\n\xe2\x80\xa2 You want to discontinue these Transactions;\n\xe2\x80\xa2 Your Account is closed;\n\xe2\x80\xa2 Your Account number changes;\n\xe2\x80\xa2 Your Card expiration date changes.\nYou\xe2\x80\x99re responsible for reinstating any recurring authorized Transactions.\nRefusal of the Card. We don\xe2\x80\x99t guarantee approval of Transactions. We\nare not liable for those that aren\xe2\x80\x99t approved, even if you have enough\navailable credit on your Account. If we detect unusual or suspicious activity,\nwe may suspend your credit privileges. We also may limit the number of\nTransactions approved in a single day.\n9\n\n\x0c11\n\nARBITRATION\nPLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY.\nThis section provides that disputes may be resolved by binding\narbitration. Arbitration replaces the right to go to court, have a jury trial or\ninitiate or participate in a class action. In arbitration, disputes are resolved\nby an arbitrator, not a judge or jury. Arbitration procedures are simpler and\nmore limited than in court. This arbitration provision is governed by the\nFederal Arbitration Act (FAA), and shall be interpreted in the broadest way\nthe law will allow.\nCovered claims\n\xe2\x80\xa2 You or we may arbitrate any claim, dispute or controversy between\nyou and us arising out of or related to your Account, a previous related\nAccount 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\nhave the right to litigate that Claim in court or have a jury trial\non that Claim.\nExcept as stated below, all Claims are subject to arbitration, no matter\nwhat legal theory they\xe2\x80\x99re based on or what remedy (damages, or\ninjunctive or declaratory relief) they seek, including Claims based on\ncontract, tort (including intentional tort), fraud, agency, your or our\nnegligence, statutory or regulatory provisions, or any other sources of law;\nClaims made as counterclaims, cross-claims, third-party claims,\ninterpleaders or otherwise; Claims made regarding past, present or future\nconduct; and Claims made independently or with other claims. This also\nincludes Claims made by or against anyone connected with us or you or\nclaiming through us or you, or by someone making a claim through us or\nyou, such as a co-applicant, Authorized User, employee, agent,\nrepresentative or an affiliated/parent/subsidiary company.\nArbitration limits\n\xe2\x80\xa2 Individual Claims filed in a small claims court are not subject to\narbitration, as long as the matter stays in small claims court.\n\xe2\x80\xa2 We won\xe2\x80\x99t initiate arbitration to collect a debt from you unless you\nchoose to arbitrate or assert a Claim against us. If you assert a Claim\nagainst us, we can choose to arbitrate, including actions to collect a\ndebt from you. You may arbitrate on an individual basis Claims brought\nagainst you, including Claims to collect a debt.\n\xe2\x80\xa2 Claims brought as part of a class action, private attorney general or\nother representative action can be arbitrated only on an individual\nbasis. The arbitrator has no authority to arbitrate any claim on a class\nor representative basis and may award relief only on an individual\nbasis. If arbitration is chosen by any party, neither you nor we may\npursue a Claim as part of a class action or other representative action.\nClaims of 2 or more persons may not be combined in the same\narbitration. However, applicants, co-applicants, Authorized Users on a\nsingle Account and/or related Accounts or corporate affiliates are here\nconsidered as one person.\nHow arbitration works\n\xe2\x80\xa2 Arbitration shall be conducted by the American Arbitration Association\n\n(\xe2\x80\x9cAAA\xe2\x80\x9d) according to this arbitration provision and the applicable AAA\narbitration rules in effect when the claim is filed (\xe2\x80\x9cAAA Rules\xe2\x80\x9d), except\nwhere those rules conflict with this arbitration provision. You can obtain\ncopies of the AAA Rules at the AAA\xe2\x80\x99s website (www.adr.org) or by\ncalling 800-778-7879. You or we may choose to have a hearing, appear\nat any hearing by phone or other electronic means, and/or be\nrepresented 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\npending lawsuit, unless a trial has begun or a final judgment entered.\nNeither you nor we waive the right to arbitrate by filing or serving a\ncomplaint, answer, counterclaim, motion or discovery in a court lawsuit.\nTo choose arbitration, a party may file a motion to compel arbitration in\na pending matter and/or commence arbitration by submitting the\nrequired 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\nthis arbitration provision and the AAA Rules, which may limit discovery.\nThe arbitrator shall not apply any federal or state rules of civil\nprocedure for discovery, but the arbitrator shall honor claims of privilege\nrecognized at law and shall take reasonable steps to protect Account\ninformation and other confidential information of either party if\nrequested to do so. The arbitrator shall apply applicable substantive\nlaw consistent with the FAA and applicable statute of limitations, and\nmay 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\nor us, may provide a brief statement of the reasons for the award.\nAn arbitration award shall decide the rights and obligations only of\nthe parties named in the arbitration, and shall not have any bearing on\nany 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\nof $75,000 or less if they are unrelated to debt collection. Otherwise,\narbitration fees will be allocated according to the applicable AAA Rules.\nIf we prevail, we may not recover our arbitration fees, unless the\narbitrator decides your Claim was frivolous. All parties are responsible\nfor their own attorney\xe2\x80\x99s fees, expert fees and any other expenses,\nunless the arbitrator awards such fees or expenses to you or us based\non applicable law.\nThe final award\n\xe2\x80\xa2 Any award by an arbitrator is final unless a party appeals it in writing to\nthe AAA within 30 days of notice of the award. The arbitration appeal\nshall be determined by a panel of 3 arbitrators. The panel will consider\nall facts and legal issues anew based on the same evidence presented\nin the prior arbitration, and will make decisions based on a majority\nvote. Arbitration fees for the arbitration appeal shall be allocated\naccording to the applicable AAA Rules. An award by a panel on appeal\nis final. A final award is subject to judicial review as provided by\napplicable law.\n\ncontinued on next page\n\n10\n\n\x0cSection 11 \xe2\x80\x94 ARBITRATION (continued)\n\nSurvival and Severability of Terms\nThis arbitration provision shall survive changes in this Agreement and\ntermination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any sale of your Account, or\namounts owed on your Account, to another person or entity. If any part\nof this arbitration provision is deemed invalid or unenforceable, the other\nterms shall remain in force, except that there can be no arbitration of a\nclass or representative Claim. This arbitration provision may not be\namended, severed or waived, except as provided in this Agreement or\nin a written agreement between you and us.\n\nRules for rejecting this arbitration provision\nYou may reject this arbitration provision by sending a written rejection\nnotice to us at: PO Box 6195; Sioux Falls, SD 57117-6195. Your rejection\nnotice must be mailed within 45 days of Account opening. Your rejection\nnotice must state that you reject the arbitration provision and include\nyour name, address, Account number and personal signature. No one\nelse may sign the rejection notice. Your rejection notice will not apply to\nthe 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\nother rights or responsibilities under this Agreement, including use of\nthe Account.\n\n12\n\nAGREEMENT & BENEFIT CHANGES\nChanges to this Agreement. We may change this Agreement for any\nreason and at any time, subject to applicable law. This means that\nwe can change rates and fees that apply to your Account. It also\nmeans we can add, replace or remove provisions of this Agreement.\nIf required by applicable law, we\xe2\x80\x99ll give you notice of the changes. If\nyou have the right to reject a change, we\xe2\x80\x99ll notify you and tell you\n\nhow to reject. If we notify you of a change, we may do so on your\nstatement or send you a separate written notice, either of which\nmay be sent electronically if permitted by applicable law.\nChanging Benefits. Any benefit, reward, service or feature offered may\nchange or be discontinued at any time for any reason. Separate terms\nand conditions will describe any exceptions.\n\n13\n\nMISCELLANEOUS\nAssignment. We may assign any or all of our rights and obligations\nunder this Agreement to a third party. You may not sell, assign or transfer\nyour Account or any of your obligations under this Agreement.\nGoverning Law. Federal law and the law of South Dakota govern the\nterms and enforcement of this Agreement.\nEnforcing this Agreement. We won\xe2\x80\x99t lose our rights under this\nAgreement because we delay in enforcing them or fail to enforce them.\nIf any provision of this Agreement is found to be unenforceable, all other\nprovisions of the Agreement will remain in effect.\nCollection Costs. To the extent allowed by law, you\xe2\x80\x99re liable to us for our\nlegal costs if we refer collection of your Account to a lawyer who isn\xe2\x80\x99t our\nsalaried employee. These costs may include reasonable attorneys\xe2\x80\x99 fees,\nas well as costs and expenses of any legal action.\n\nUnforeseen Circumstances. From time to time, our services might be\nunavailable due to circumstances beyond our control (such as fires,\nfloods, natural disasters, system failures or other unpredictable events).\nWhen this happens, you might not be able to use your Card or obtain\ninformation about your Account. We\xe2\x80\x99re not responsible or liable if\nthis happens.\nLost or Stolen Cards, Account Numbers or Account Checks. You\nmust try to prevent the unauthorized use of your Account and any Card,\nincluding your Account number. You must call us if any Card is lost or\nstolen. Also, you must call us if you think someone has used or may use\nthese items without permission.\nHeadings. The headings in this Agreement are included as a matter of\nconvenience and don\xe2\x80\x99t define, limit or enlarge the scope of this\nAgreement or any of its provisions.\n\n11\n\n\x0c14\n\nYOUR BILLING RIGHTS\nThis notice tells you about your rights and our responsibilities\nunder the Fair Credit Billing Act. Keep this document for future use.\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\naddress for billing inquiries and correspondence shown on the front of\nyour 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,\ndescribe what you believe is wrong and why you believe it is\na 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\nscheduled, 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\nif you do we are not required to investigate any potential errors and you\nmay have to pay the amount in question.\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\nreceived your letter. We will also tell you if we have already corrected\nthe error.\n2. Within 90 days of receiving your letter, we must either correct the error\nor 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\ndelinquent on that amount.\n\xe2\x80\xa2 The transaction in question may remain on your statement, and we\nmay continue to charge you interest on that amount.\n\nIf you receive our explanation but still believe your bill is wrong, you must\nwrite to us within 10 days telling us that you still refuse to pay. If you do\nso, we cannot report you as delinquent without also reporting that you\nare questioning your bill. We must tell you the name of anyone to whom\nwe 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\n$50 of the amount you question even if your bill is correct.\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\npurchased with your credit card, and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not to pay\nthe 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\nmiles of your current mailing address, and the purchase price must\nhave been more than $50. (Note: Neither of these is necessary if your\npurchase was based on an advertisement we mailed to you, or if we\nown the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases\nmade with cash advances from an ATM or with an Account check\ndo 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\npurchase, contact us in writing at the address for billing inquiries and\ncorrespondence shown on the front of your statement.\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not\npay, we may report you as delinquent.\nFor Further Information: Call the Customer Service number shown on\nthe statement or on the back of your Card if you need more information.\n\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance.\nWe 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\nor 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\namount in question, along with applicable interest and fees. We will\nsend you a statement of the amount you owe and the date payment is\ndue. We may then report you as delinquent if you do not pay the\namount we think you owe.\n\n009, 457 v14\n\n12\n\n\x0c'


b'Pricing Information Table\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n26.49%\n\nAPR for Cash Advances\n\n29.95%\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.*\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge\nyou any interest on purchases if you pay your entire balance by the due date each\nmonth. We will begin charging interest on cash advances on the transaction date.\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\n$0\n\nTransaction Fees\n\xe2\x80\xa2\n\nCash Advance\n\nEither $10 or 5% of the amount of each cash advance, whichever is greater.\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\n0.07257%\n\n23.24%\n\nCash Advances*\n\n0.08205%\n\n26.70%\n\n*This variable APR will not exceed 29.99%.\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\n34T-0520\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 both for your records.\nDefinitions\naccount account 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\nincludes account 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\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.\nConsumer Purpose Only. Your account must be used only for personal, family, or household purposes. You agree\nthat you will not use your account for business or commercial purposes. However, you still must pay us for any use of\nthe account for business or commercial purposes by you or authorized users. You must pay us whether or not that use\nbenefited you.\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.\nEach of you is responsible even if the account is used by only one of you. You will continue to be liable for the entire\nbalance of the account, even if your co-applicant is ordered by a court to pay us. You will remain liable to us if your\nco-applicant fails to pay as ordered by the court. Your account status will continue to be reported to the credit bureau\nunder each of your names. The delivery of notices or billing statements to either of you serves as delivery to each\nof you. We may rely on instructions given by either of you. We are not liable to either of you for relying upon such\ninstructions.\nCredit Limit. The full amount of your credit limit is available to use where the card is honored. We may reduce or\nincrease your credit limit at any time for any reason, as permitted by law. We will notify you of any change, but the\nchange 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\nmay reduce the credit balance by any new charges on your account. You may not maintain a credit balance in excess of\nyour credit limit.\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. We subtract any credits or payments. We then add any interest charges or fees and make other\nadjustments.\nYour billing statement also shows your transactions; the Minimum Payment Due and payment due date; your credit limit;\nand 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\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. 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 Supplement. If the Prime Rate increases, it will cause the APR to increase. If the\nPrime Rate decreases, it will cause the APR to decrease. For each billing cycle we use the Prime Rate published in The\nWall Street Journal two business days before the Statement Closing Date. If the Prime Rate causes an APR to change,\n\n\x0cwe put the new APR into effect as of the first day of the billing cycle for which we calculate the APR. We apply the\nnew APR to any existing balances, subject to any promotional rate that may apply. If The Wall Street Journal does not\npublish 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\nof time. They will be governed by the terms of the promotional offer and this Agreement. Your promotional terms will\nend when the promotional period expires or, to the extent permitted by law, if you make a late payment. The promotional\noffer will tell you if we require a separate minimum payment on the 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, interest charges and fees. We continue to impose interest\ncharges 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. This is called a grace period on purchases.\nThe grace period is at least 25 days. To get a grace period on purchases, you must pay the New Balance by the\npayment due date every billing cycle. If you do not, you will not get a grace period until you pay the New Balance for two\nbilling cycles in a row.\nIf you have a balance subject to a deferred interest or 0% APR promotion and that promotion does not expire before the\npayment due date, that balance (the \xe2\x80\x9cexcluded promotional balance\xe2\x80\x9d) is excluded from the amount you must pay in full to\nget a grace period. However, you must still pay any separately required payment on the excluded promotional balance.\nIn billing cycles in which payments are allocated to deferred interest balances first, the deferred interest balance will be\nreduced before any other balance on the account. However, you will continue to get a grace period on purchases so\nlong as you pay the New Balance less any excluded promotional balances in full by the payment due date each billing\ncycle.\nIn addition, certain promotional offers may take away the grace period on purchases. Other promotional offers not\ndescribed above may also allow you to have a grace period on purchases without having to pay all or a portion of the\npromotional balance 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 and different\npromotional balances. (Purchases made under the same promotional terms, including APR and expiration date, will\nbe part of the same promotional balance.)\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\ncycle. This 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.\nWhen we calculate daily balances, we add a purchase as of the Transaction Date. The Transaction Date is shown on\nthe billing statement. 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\n\n\x0cbilling 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\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 by the payment due date. The fee will\nbe $29; or $40 for any additional past due payment during the next six billing cycles after a past due payment. However,\nthe fee will not exceed the amount permitted by law. We add this fee to the regular purchase balance.\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 then add any additional amount\nspecified in a promotional offer. 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\ninterest charge on the Calculated New Balance allocated to that balance, and any applicable late fee (the result is\nrounded up to the nearest dollar). However, we subtract interest charges that accrued during prior billing cycles on a\ndeferred interest balance that ended during the 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\ntwo types of promotional terms. The first type are terms that do not require a minimum payment. The second type\nare terms that require an additional amount as part of the Minimum Payment Due. The Minimum Payment Due may\nreflect adjustments to the New Balance and is never more than the Calculated New Balance plus any additional amount\nrequired by a promotional offer.\nApplication of Payments. Payments in excess of the Minimum Payment Due are applied in accordance with law.\nThis means that we will generally apply payments in excess of the Minimum Payment Due to higher APR balances\nfirst. However, excess payments received before a deferred interest promotion expires are applied to the deferred\ninterest promotional balance first in the last two billing cycles of the promotional period. And, if the expiration date of a\ndeferred interest promotion is before the payment due date in the billing cycle in which the deferred interest promotion\nexpires, excess payments received before the deferred interest promotion expires are applied to the deferred interest\npromotional balance first in the last three billing cycles of the promotional period. Payments equal to or less than the\nMinimum Payment Due and credits are applied at our discretion and you authorize us to apply payments and credits in\na way that is most favorable or convenient for us. This may include applying such payments and credits to lower APR\nbalances 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.\nOptional Pay by Phone Service. You may use our optional Pay by Phone Service to make your payment by phone. To\ndo so, call us to request the service. You agree to pay us the Pay by Phone fee shown in the Pay by Phone section on\nthe back of the billing statement when a representative of ours helps expedite your payment. Our representatives are\ntrained to tell you this amount when you use this service.\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\nthat.\n\n\x0cInformation 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 or Account Numbers. You must call us if any card or account number is lost or stolen. You\nmust also call us if you think someone used or may use them without permission. When you call, we may require you to\nprovide information to help our investigation. We may require you to provide this information in writing. For example, we\nmay ask you to identify any charges that were not made by you or someone authorized by you. We may also ask you to\nconfirm 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\nare an active duty member of the Armed Forces (including active Guard and Reserve duty) or a dependent of an active\nduty member. You will cease to be a Covered Borrower if we determine you are no longer an active duty member of the\nArmed Forces (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.\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\nACTION. IN ARBITRATION, DISPUTES ARE RESOLVED BY AN ARBITRATOR, NOT A JUDGE OR JURY.\n\n\x0cARBITRATION 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\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\nremedy (damages, or injunctive or declaratory relief) they seek, including Claims based on contract, tort (including\nintentional tort), fraud, agency, your or our negligence, statutory or regulatory provisions, or any other sources of law;\nClaims made as counterclaims, cross-claims, third-party claims, interpleaders or otherwise; Claims made regarding\npast, present, or future conduct; and Claims made independently or with other claims. This also includes Claims made\nby or against anyone connected with us or you or claiming through us or you, or by someone making a claim through\nus or you, such as a co-applicant, authorized user, employee, agent, representative or an affiliated/parent/subsidiary\ncompany.\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.\nIf you assert a Claim against us, we can choose to arbitrate, including actions to collect a debt from you. You may\narbitrate on an 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 may\naward relief only on an individual basis. If arbitration is chosen by any party, neither you nor we may pursue a Claim\nas 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\x9cA AA\xe2\x80\x9d) according to this arbitration provision\nand the applicable A AA arbitration rules in effect when the claim is filed (\xe2\x80\x9cA AA Rules\xe2\x80\x9d), except where those rules\nconflict with this arbitration provision. You can obtain copies of the A AA Rules at the A AA\xe2\x80\x99s website (w w w.adr.org) or\nby calling 800-778-7879 (TTY: Use 711 or other Relay Service). You or we may choose to have a hearing, appear at\nany hearing by phone or other electronic means, and/or be represented by counsel. Any in-person hearing will be held\nin the same city as 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 A AA forms and requisite filing fees to the\nA AA.\n\xe2\x80\xa2 The arbitration shall be conducted by a single arbitrator in accord with this arbitration provision and the A AA 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.\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 A AA Rules. If we prevail, we may\nnot recover our arbitration fees, unless the arbitrator decides your Claim was frivolous. All parties are responsible for\ntheir own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or expenses to\nyou or us based on applicable law.\n\n\x0cThe final award\n\xe2\x80\xa2 Any award by an arbitrator is final unless a party appeals it in writing to the A AA 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\nvote. Arbitration fees for the arbitration appeal shall be allocated according to the applicable A AA Rules. An award by\na panel on 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.\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\n\x0cWhat 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\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWe cannot try to collect the amount in question, or report you as delinquent on that amount.\nThe charge in question may remain on your statement, and we may continue to charge you interest on that amount.\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\nWe can apply any unpaid amount against your credit limit.\n\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\nand fees. We will send you a statement of the amount you owe and the date payment is due. We may then report\nyou as delinquent 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\non an 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\n902962-0721\n\n\x0c'