b'CARD AGREEMENT\nThis Card Agreement is your contract with us. It governs the use of your card and account. The Supplemental Pricing\nInformation (\xe2\x80\x9cSupplement\xe2\x80\x9d) is part of this Agreement. Please read this Agreement, including the Supplement, carefully.\nKeep them for your records.\nDefinitions\naccount means the relationship established between you and us by this Agreement.\nAPR means an annual percentage rate.\nauthorized user means any person you allow to use your account.\ncard means one or more cards or other access devices that we give you to get credit under this Agreement. This includes\naccount numbers.\nwe, us, and our mean Citibank, N.A., the issuer of your account. Citibank, N.A. is located in Sioux Falls, SD.\nyou, your, and yours mean the person who applied to open the account. It also means any other person responsible for\ncomplying with this Agreement.\nYour Account\nYou agree to use your account in accordance with this Agreement. You must pay us for all amounts due on your account,\nincluding charges made by authorized users, even if you did not intend to be responsible for those charges. This Agreement\nis binding on you unless you close your account within 30 days after receiving the card and you have not used or authorized\nuse of the card. Your account must only be used for lawful transactions.\nJoint Accounts. If this is a joint account, each of you is responsible individually and together for all amounts owed. Each\nof you is responsible even if the account is used by only one of you. You will continue to be liable for the entire balance of\nthe account, even if your co-applicant is ordered by a court to pay us. You will remain liable to us if your co-applicant fails to\npay as ordered by the court. Your account status will continue to be reported to the credit bureau under each of your names.\nThe delivery of notices or billing statements to either of you serves as delivery to each of you. We may rely on instructions\ngiven by either of you. We are not liable to either of you for relying upon such instructions.\nCredit Limit. Your initial credit limit is on the card carrier. After that, your credit limit appears on your billing statement. The\nfull amount of your credit limit is available to use where the card is honored. We may reduce or increase your credit limit at\nany time for any reason, as permitted by law. We will notify you of any change, but the change may take effect before you\nreceive the notice. You should always keep your total balance below the credit limit. However, if the total balance goes over\nyour credit limit you still must pay us. If your account has a credit balance, we may reduce the credit balance by any new\ncharges on your account. You may not maintain a credit balance in excess of your credit limit.\nBilling Statement. Your billing statement shows the New Balance. This is the total amount you owe us on the Statement\nClosing Date. To determine the New Balance, we begin with the total balance at the start of the billing cycle. We add any\npurchases. We subtract any credits or payments. We then add any interest charges or fees and make other adjustments.\nYour billing statement also shows your transactions; the Minimum Payment Due and payment due date; your credit limit;\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 stop\nsending you statements if we deem your account uncollectible or start collection proceedings; but we may continue to add\ninterest and fees as permitted by law.\nAPRs\nVariable APR Based on Prime. If any A PR is based on the U.S. Prime Rate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d), the A PR will equal the Prime\nRate plus an additional amount. If the Prime Rate increases, it will cause the A PR to increase. If the Prime Rate decreases,\nit will cause the A PR to decrease. For each billing cycle we use the Prime Rate published in The Wall Street Journal two\nbusiness days before the Statement Closing Date. If the Prime Rate causes an A PR to change, we put the new A PR into\neffect as of the first day of the billing cycle for which we calculate the A PR. We apply the new A PR to any existing balances,\nsubject to any promotional rate that may apply. If The Wall Street Journal does not publish the Prime Rate, we will use a\nsimilar published rate.\nPurchase APR. See the Supplement.\nEffect of APR Increases. If an A PR increases, interest charges increase. Your minimum payment may increase as well.\nPromotions\nFrom time to time, we may make promotional offers for all or a part of any balances. A promotional offer may apply for a\nlimited period of time. Each promotional offer will be governed by the terms of that offer and this Agreement. We will tell you\nthe terms applicable to a promotional offer at the time we offer it to you.\n\n\x0cFor example:\n\xe2\x80\xa2 We may offer you a promotional A PR on a specific purchase. The promotional A PR will apply for a specific period\nof time and then expire to a higher A PR (which may be lower than the regular purchases A PR). Before you make a\npurchase subject to the offer, we will tell you the promotional A PR and how long it will apply. We will also tell you the\nA PR that will apply after the promotional A PR expires. We call this type of promotional offer a \xe2\x80\x9cSpecial Rate Plan.\xe2\x80\x9d\n\xe2\x80\xa2 If 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. We will impose interest charges on the deferred\ninterest balance at the A PR for regular purchases from the date of purchase if you do not pay the balance in full by\nthe end of the promotional period. We call this type of promotional offer a \xe2\x80\x9cDeferred Interest Plan.\xe2\x80\x9d\n\xe2\x80\xa2 We may offer you a promotional A PR on a specific purchase. The promotional A PR will apply so long as any portion\nof that purchase balance remains on the account. We call this type of promotional offer a \xe2\x80\x9cMajor Purchase Plan.\xe2\x80\x9d\nInterest Charges Based on APRs\nInterest Charges. We impose interest charges when we apply A PRs to your account balances. We do this every day by\nusing a daily periodic rate. To get a daily periodic rate, we divide the A PR by 365.\nWhen Interest Charges Begin. We begin to impose interest charges the first day we add a charge to a daily balance. The\ncharges we add to a daily balance include purchases, interest charges and fees. We continue to impose interest charges\nuntil 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 payment\ndue date every billing cycle. If you do not, you will not get a grace period until you pay the New Balance for two billing cycles\nin a row.\nYou do not need to pay certain promotional purchase balances in full by the payment due date each month to get a grace\nperiod on your other purchase balances. On a particular payment due date, you do not need to pay the following types\nof purchase balances in full (\xe2\x80\x9cexcluded balances\xe2\x80\x9d) to keep your grace period, as long as you pay in full all other purchase\nbalances on the account by that due date:\n\xe2\x80\xa2 a Deferred Interest Plan balance if the promotional period does not expire on or before that due date;\n\xe2\x80\xa2 a Special Rate Plan balance; and\n\xe2\x80\xa2 a Major Purchase Plan balance.\nHowever, you must still pay any separately required minimum monthly payment on each excluded balance. In billing cycles in\nwhich payments are allocated to Deferred Interest Plan balances first, those Deferred Interest Plan balances will be reduced\nbefore any other balance on the account. However, you will continue to get a grace period on purchases, other than an\nexcluded balance, so long as you pay the New Balance (less any excluded balance, plus any separately required payment\non an excluded balance) in full by the payment due date every billing cycle.\nCalculation of Interest Charges \xe2\x80\x93 Daily 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 balances\nin different promotional plans. (When we calculate interest charges, we treat each Deferred Interest Plan balance\nseparately even if it has the same terms as another Deferred Interest Plan 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 cycle.\nThis gives us the daily interest charges for each of your different balances.\n\xe2\x80\xa2 We add up all the daily interest charges. The sum is the total interest charge for the billing cycle.\n\xe2\x80\xa2 You authorize us to round interest charges to the nearest cent.\nWhen we calculate daily balances, we add a purchase as of the Transaction Date. The Transaction Date is shown on the\nbilling statement. We add a transaction fee to the same balance as the transaction. We subtract a payment or credit as of\nthe day it is credited to the account and then make other adjustments. We treat a credit balance as a balance of zero.\nMinimum Interest Charge. If we charge you interest, the charge will be no less than $2. We add the charge to the regular\npurchase balance or allocate it among one or more of the balances that accrues interest.\nBalance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each different\nbalance. The Balance Subject to Interest Rate is the average of the daily balances during the billing cycle. A billing cycle\nbegins on the day after the Statement Closing Date of the previous billing cycle. It includes the Statement Closing Date of\nthe current billing cycle.\n\n\x0cFees\nLate Fee. We may add a late fee for each billing cycle in which you have a past due payment. For late fee purposes, you\nhave a past due payment any time you fail to pay the Minimum Payment Due by the payment due date. The fee will be $29;\nor $40 for any additional past due payment during the next six billing cycles after a past due payment. However, the fee will\nnot exceed the amount permitted by law. We add this fee to the regular purchase balance.\nSecurity Interests\nYou grant us a security interest in all purchases made on the account, and in any service, maintenance, or other contracts\nyou finance (including any refunds or proceeds from or related to those service, maintenance, or other contracts), as\npermitted by law. In addition, you grant us a security interest in any accessions to the goods purchased, including any\nafter-market items put on or in the goods purchased, as permitted by law. You agree to sign any necessary documents in\nconnection with the security interest. These documents might include documents related to perfecting our interest. You will\nnot allow any other security interest to be placed on the purchases, except if we permit it in writing.\nPayments\nMaking Payments. You may pay all or part of your account balance at any time. However, you must pay at least the\nMinimum Payment Due by the payment due date each billing cycle. The sooner you pay the New Balance, the less you will\npay in interest charges.\nMinimum Payment Due. To calculate the Minimum Payment Due each billing cycle, we begin with any past due amount.\nThen we add the amount due on each Major Purchase Plan balance, plus any amount required by the Promotion Calculation,\nplus any amount due on each Special Rate Plan balance. 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 allocated to that balance, and any applicable late fee (the result is rounded up to the nearest dollar).\nHowever, we subtract interest charges that accrued during prior billing cycles on a Deferred Interest Plan balance that\nended during the billing cycle covered by the statement.\nThe Calculated New Balance equals the New Balance on the billing statement, less any Major Purchase Plan balances, the\nPromotion Calculation and any Special Rate Plan balances.\nThe Minimum Payment Due may reflect adjustments to the New Balance. The Minimum Payment Due is never more than\nthe Calculated New Balance plus three amounts. The first is any amount required by a Major Purchase Plan. The second is\nany amount required by the Promotion Calculation. The third is any amount required by a Special Rate Plan.\nMajor Purchase Plan. The Minimum Payment Due will include any amount due on a Major Purchase Plan balance. You\nmust pay the amount due on a Major Purchase Plan balance, as described below, for so long as any portion of that balance\nremains in that Major Purchase Plan. However, the amount due on a Major Purchase Plan balance will never be more than\nthe amount of that balance on the Statement Closing Date.\nThe amount due on each Major Purchase Plan balance each billing cycle is determined as follows:\n\xe2\x80\xa2 The purchase amount, plus\n\xe2\x80\xa2 Interest charges calculated on the daily balance from the date of purchase through the end of the promotional period\n(assuming that you pay the Minimum Payment Due on your account each month on the due date), the sum of which is\ndivided by\n\xe2\x80\xa2 The number of months in the promotional period. (The result is rounded up to the nearest dollar.)\nThe formula we use for determining the amount described directly above is:\n\xe2\x80\xa2 the purchase amount, multiplied by\n\xe2\x80\xa2 (A PR / 12 ) / (1-(1 + A PR / 12 )-N), rounded up to the nearest dollar. \xe2\x80\x9cA PR\xe2\x80\x9d equals the specific A PR applicable to the\npurchase amount, and \xe2\x80\x9cN\xe2\x80\x9d equals the number of months in the promotional period.\nPromotion Calculation. The Minimum Payment Due will include any amount required by the Promotion Calculation. If you\nhave a Deferred Interest Plan subject to the Promotion Calculation, the Promotion Calculation will equal 1% of this balance\nduring the promotion period. (The result is rounded up to the nearest cent.) After the promotion period, any such remaining\npromotional balance will be included in the Calculated New Balance. The Promotion Calculation will apply if, based on the\namount of the transaction as shown on the first statement that displays the transaction and the dollar amount in the Minimum\nPayment Due calculation in effect at the time of the transaction, we determined that paying such dollar amount each billing\ncycle would result in repayment of the promotional balance before the end of the promotion period.\nSpecial Rate Plan. The Minimum Payment Due will include any amount due on a Special Rate Plan balance. The amount\ndue on each Special Rate Plan balance equals 1% of the Special Rate Plan balance, plus the amount of your billed interest\ncharges on that balance, if any, and any minimum interest charge allocated to that balance. (The result is rounded up to\nthe nearest dollar.) You must pay the amount due on a Special Rate Plan balance as described above until that balance is\npaid in full.\n\n\x0cApplication of Payments. Payments in excess of the Minimum Payment Due are applied in accordance with law. This\nmeans that we will generally apply payments in excess of the Minimum Payment Due to higher APR balances first. However,\nexcess payments received before a Deferred Interest Plan expires are applied to the Deferred Interest Plan balance first in\nthe last two billing cycles of the promotional period. Payments equal to or less than the Minimum Payment Due and credits\nare applied at our discretion and you authorize us to apply payments and credits in a way that is most favorable or convenient\nfor us. This may include applying such payments and credits to lower A PR balances first.\nPayment Instructions. We credit your payments in accordance with our payment instructions on the billing statement. You\nmust pay us in U.S. dollars. To do so, you must use a check, similar instrument, or electronic debit that is drawn on and\nhonored by a bank in the U.S. Do not send cash. We can accept late or partial payments, or payments that reflect \xe2\x80\x9cpaid\nin full\xe2\x80\x9d or other restrictive endorsements, without losing our rights. We also reserve the right to accept payments made in\nforeign currency and instruments drawn on funds on deposit outside the U.S. If we do, we select the currency conversion\nrate. We will then credit your account in U.S. dollars after deducting any costs incurred in processing your payment. Or we\nmay bill you separately for these costs.\nCredit Reporting\nWe may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on\nyour account may be reflected in your credit report. We may report account information in your name. We may also obtain\nfollow-up credit reports on you.\nIf you think we reported incorrect information to a credit bureau, write us at the Customer Service address on the billing\nstatement. We will investigate the matter. We will then tell you if we agree or disagree with you. If we agree with you, we\nwill contact each credit bureau to which we reported and request a correction. If we disagree with you, we will tell you that.\nInformation Sharing\nYou authorize us to share information about you as permitted by law. This includes information we get from you and others.\nIt also includes information about your transactions with us. Please see our Privacy Notice for details about our information\nsharing practices.\nChanges to this Agreement\nWe may change the rates, fees, and terms of this Agreement from time to time as permitted by law. The changes\nmay add, replace, or remove provisions of this Agreement. We will give you advance written notice of the changes\nand a right to opt out to the extent required by law.\nDefault\nYou default under this Agreement if you fail to pay the Minimum Payment Due by its due date; go over your credit limit; pay\nby a check or similar instrument that is not honored or that we must return because it cannot be processed; pay by electronic\ndebit that is returned unpaid; file for bankruptcy; or fail to comply with the terms of this Agreement. If you default, we may\nclose your account and, to the extent permitted by law, demand immediate payment of the total balance.\nRefusal of the Card, Closed Accounts, and Related Provisions\nRefusal of the Card. We do not guarantee approval of transactions. We are not liable for transactions that are not approved.\nThat is true even if you have enough credit. We may limit the number of transactions approved in one day. If we detect\nunusual or suspicious activity, we may suspend your credit privileges.\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 must\nalso call us if you think someone used or may use them without permission. When you call, we may require you to provide\ninformation to help our investigation. We may require you to provide this information in writing. For example, we may ask\nyou to identify any charges that were not made by you or someone authorized by you. We may also ask you to confirm that\nyou received no benefit from those charges.\nClosing Your Account. You may close your account by notifying us in writing or over the phone. If you close your account,\nyou must still repay the total balance in accordance with this Agreement. We may also close your account or suspend\naccount privileges at any time for any reason. We may do this without prior notice to you. We may also reissue a different\ncard at any time. You must return any card to us upon request.\nProtections for Active Duty Service Members and Their Dependents\nProtections. Federal law provides important protections to members of the Armed Forces and their dependents relating\nto extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her\ndependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit\ntransaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection\n\n\x0cwith the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account). You are entitled\nto these protections if you are a Covered Borrower, as defined below.\nCovered Borrower. You are a Covered Borrower if, in connection with the opening of your account, we determine you are\nan active duty member of the Armed Forces (including active Guard and Reserve duty) or a dependent of an active duty\nmember. You will cease to be a Covered Borrower if we determine you are no longer an active duty member of the Armed\nForces (including active Guard and Reserve duty) or a dependent of an active duty member.\nOral Disclosures. If you are a Covered Borrower, you may obtain information related to your account, including information\nabout these protections and your payment obligation, by calling 1-877-625-6379 (TTY: Use 711 or other Relay Service).\nArbitration. The section of the Card Agreement entitled \xe2\x80\x9cARBITRATION\xe2\x80\x9d does not apply if you are a Covered\nBorrower at the time your account is opened.\nARBITRATION\nPLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY.\nTHIS SECTION PROVIDES THAT DISPUTES MAY BE RESOLVED BY BINDING ARBITRATION. ARBITRATION\nREPLACES THE RIGHT TO GO TO COURT, HAVE A JURY TRIAL OR INITIATE OR PARTICIPATE IN A CLASS ACTION.\nIN ARBITRATION, DISPUTES ARE RESOLVED BY AN ARBITRATOR, NOT A JUDGE OR JURY. ARBITRATION\nPROCEDURES ARE SIMPLER AND MORE LIMITED THAN IN COURT. THIS ARBITRATION PROVISION IS GOVERNED\nBY THE FEDERAL ARBITRATION ACT (FAA), AND SHALL BE INTERPRETED IN THE BROADEST WAY THE LAW\nWILL ALLOW.\nCovered claims\n\xe2\x80\xa2 You or we may arbitrate any claim, dispute or controversy between you and us arising out of or related to your account,\na previous related account or our relationship (called \xe2\x80\x9cClaims\xe2\x80\x9d).\n\xe2\x80\xa2 If arbitration is chosen by any party, neither you nor we will have the right to litigate that Claim in court or\nhave a jury trial on that Claim.\nExcept as stated below, all Claims are subject to arbitration, no matter what legal theory they\xe2\x80\x99re based on or what remedy\n(damages, or injunctive or declaratory relief) they seek, including Claims based on contract, tort (including intentional\ntort), fraud, agency, your or our negligence, statutory or regulatory provisions, or any other sources of law; Claims made\nas counterclaims, cross-claims, third-party claims, interpleaders or otherwise; Claims made regarding past, present, or\nfuture conduct; and Claims made independently or with other claims. This also includes Claims made by or against anyone\nconnected with us or you or claiming through us or you, or by someone making a claim through us or you, such as a coapplicant, authorized user, employee, agent, representative or an affiliated/parent/subsidiary company.\nArbitration limits\n\xe2\x80\xa2 Individual Claims filed in a small claims court are not subject to arbitration, as long as the matter stays in small claims court.\n\xe2\x80\xa2 We won\xe2\x80\x99t initiate arbitration to collect a debt from you unless you choose to arbitrate or assert a Claim against us. If you assert\na Claim against us, we can choose to arbitrate, including actions to collect a debt from you. You may arbitrate on an individual\nbasis Claims brought against you, including Claims to collect a debt.\n\xe2\x80\xa2 Claims brought as part of a class action, private attorney general or other representative action can be arbitrated only on an\nindividual basis. The arbitrator has no authority to arbitrate any claim on a class or representative basis and may award relief\nonly on an individual basis. If arbitration is chosen by any party, neither you nor we may pursue a Claim as part of a class\naction or other representative action. Claims of 2 or more persons may not be combined in the same arbitration. However,\napplicants, co-applicants, authorized users on a single 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 (\xe2\x80\x9cA A A\xe2\x80\x9d) according to this arbitration provision\nand the applicable A A A arbitration rules in effect when the claim is filed (\xe2\x80\x9cA A A Rules\xe2\x80\x9d), except where those rules\nconflict with this arbitration provision. You can obtain copies of the A A A Rules at the A A A\xe2\x80\x99s website (w ww.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 A A forms and requisite filing fees to the A A A.\n\xe2\x80\xa2 The arbitration shall be conducted by a single arbitrator in accord with this arbitration provision and the A A A Rules,\nwhich may limit discovery. The arbitrator shall not apply any federal or state rules of civil procedure for discovery,\n\n\x0cbut 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 FA A 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 A A Rules. If we prevail, we may not\nrecover our arbitration fees, unless the arbitrator decides your Claim was frivolous. All parties are responsible for their\nown attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or expenses to you or\nus based on applicable law.\nThe final award\n\xe2\x80\xa2 Any award by an arbitrator is final unless a party appeals it in writing to the A A A within 30 days of notice of the award.\nThe arbitration appeal shall be determined by a panel of 3 arbitrators. The panel will consider all facts and legal issues\nanew based on the same evidence presented in the prior arbitration, and will make decisions based on a majority vote.\nArbitration fees for the arbitration appeal shall be allocated according to the applicable A A A Rules. An award by a\npanel 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 between\nyou and us, including the bankruptcy of any party and any sale of your account, or amounts owed on your account, to\nanother person or entity. If any part of this arbitration provision is deemed invalid or unenforceable, the other terms shall\nremain in force, except that there can be no arbitration of a class or representative Claim. This arbitration provision may\nnot be amended, severed or waived, except as provided in this Agreement or in a written agreement between you and us.\nRules for rejecting this arbitration provision\nYou may reject this arbitration provision by sending a written rejection notice to us at: P.O. Box 790340, St. Louis, MO\n63179. Your rejection notice must be mailed within 45 days of account opening. Your rejection notice must state that you\nreject the arbitration provision and include your name, address, account number and personal signature. No one else may\nsign the rejection notice. Your rejection notice will not apply to the arbitration provision(s) governing any other account(s)\nthat you have or had with us. Rejection of this arbitration provision won\xe2\x80\x99t affect your other rights or responsibilities under this\nAgreement, 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 this\nAgreement.\nEnforcing this Agreement. We will not lose our rights under this Agreement because we delay in enforcing them or fail to\nenforce them.\nCosts Relating to Default and Remedy. To the extent permitted by law, you are liable to us for our legal costs if we refer\ncollection of your account to a lawyer who is not our salaried employee. These costs may include reasonable attorneys\xe2\x80\x99 fees\nand costs and expenses related to any legal action. Also to the extent permitted by law, you are liable to us for any and all\ncosts arising from the exercise of our rights, consistent with applicable law, with respect to any security interest that we have\ntaken in your purchases. These costs may include, but are not limited to, costs to recover, store, and prepare the collateral\nfor sale. You agree to pay these costs to the extent permitted by law.\nAssignment. We may assign any or all of our rights and obligations under this Agreement to a third party.\nFor Further Information\nCall us toll-free for further information. Call the toll-free Customer Service telephone number shown on the billing statement or\non the back of your card. You can also call local or toll-free Directory Assistance to get our telephone number.\nYour Billing Rights:\nKeep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the address for billing inquiries and correspondence shown on\nthe front of your statement.\n\n\x0cIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled if you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any\npotential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have\nalready corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is\ncorrect.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and\nfees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as\ndelinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We\nmust tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when\nthe matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is\ncorrect.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good\nfaith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on\nan advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the address for billing\ninquiries and correspondence shown on the front of your statement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we\nwill tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\xc2\xa9 2021 Citibank, N.A.\n\nBRP-0721\n\n\x0c'


b'Pricing Information Table\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n28.49%\n\nThis APR will vary with the market based on the Prime Rate.\n\n11.99% for select purchases eligible for the 18, 24 or 36 month major purchase plans.*\nHow to Avoid\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you any interest on purchases if you pay your entire balance by the due date\neach month.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $2.\n\nHow We Calculate\nYour Balance\n\nDaily Balance\n\nFees\nAnnual Fee\n\nNone\n\nPenalty Fees\n\xe2\x80\xa2\n\nLate Payment\n\nUp to $40\n\n\x0cDetails About Your Interest Rates\nand Interest Calculations\n\nDaily Periodic Rate\n\nFor variable rates:\nU.S. Prime Rate Plus\n\nPurchases\n\n0.07805%\n\n25.24%\n\nMajor Purchase Plans\n\n0.03284%\n\nN/A\n\nAPRs Based on Prime. If any APR is based on the U.S. Prime Rate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d), the APR will equal the Prime Rate\nplus the additional amount shown above. If the Prime Rate increases, it will cause the APR to increase. If the Prime\nRate decreases, it will cause the APR to decrease. For each billing cycle we use the Prime Rate published in The Wall\nStreet Journal two business days before the Statement Closing Date. If the Prime Rate changes any APR, we put the\nnew APR into effect as of the first day of the billing cycle for which we calculate the APR. We apply the new APR to any\nexisting balances, subject to any promotional rate that may apply. If The Wall Street Journal does not publish the Prime\nRate, we will use a similar published rate.\nEffect of APR Increases. If an APR increases, interest charges increase. Your minimum payment may increase as well.\nDaily Balance. We calculate the daily balance for each of your different balances. To get a daily balance, we take the\nbalance at the end of the previous day, add the interest on the previous day\xe2\x80\x99s balance and new charges, and subtract new\ncredits or payments. We figure the interest charge by multiplying the daily balance by its daily periodic rate each day in the\nbilling cycle. We then add up all the daily interest charges and the total is the interest charge for the billing cycle.\n*The store sales associate or store website will identify which purchases are eligible for these major purchase plans.\n\n78P-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 them for your records.\nDefinitions\naccount means the relationship established between you and us by this Agreement.\nAPR means an annual percentage rate.\nauthorized user means any person you allow to use your account.\ncard means one or more cards or other access devices that we give you to get credit under this Agreement. This includes\naccount numbers.\nwe, us, and our mean Citibank, N.A., the issuer of your account. Citibank, N.A. is located in Sioux Falls, SD.\nyou, your, and yours mean the person who applied to open the account. It also means any other person responsible for\ncomplying with this Agreement.\nYour Account\nYou agree to use your account in accordance with this Agreement. You must pay us for all amounts due on your account.\nThis Agreement is binding on you unless you close your account within 30 days after receiving the card and you have not\nused or authorized use of the card. Your account must only be used for lawful transactions.\nAuthorized Users. You may request cards for authorized users. You must pay us for any charges they make even if\nyou did not intend to be responsible for those charges. You agree that they may receive information about the account,\nsubject to any limitations we impose. You must tell us if you no longer want them to use your account.\nJoint Accounts. If this is a joint account, each of you is responsible individually and together for all amounts owed. Each\nof you is responsible even if the account is used by only one of you. You will continue to be liable for the entire balance of\nthe account, even if your co-applicant is ordered by a court to pay us. You will remain liable to us if your co-applicant fails\nto pay as ordered by the court. Your account status will continue to be reported to the credit bureau under each of your\nnames. The delivery of notices or billing statements to either of you serves as delivery to each of you. We may rely on\ninstructions given by either of you. We are not liable to either of you for relying upon such instructions.\nCredit Limit. Your initial credit limit is on the card carrier. After that, your credit limit appears on your billing statement.\nThe full amount of your credit limit is available to use where the card is honored. We may reduce or increase your credit\nlimit at any time for any reason as permitted by law. We will notify you of any change, but the change may take effect\nbefore you receive the notice. You should always keep your total balance below the credit limit. However, if the total\nbalance goes over your credit limit you still must pay us. If your account has a credit balance, we may reduce the credit\nbalance by any new charges on your account. You may not maintain a credit balance in excess of your credit limit.\nBilling Statement. Your billing statement shows the New Balance. This is the total amount you owe us on the Statement\nClosing Date. To determine the New Balance, we begin with the total balance at the start of the billing cycle. We add any\npurchases. We subtract any credits or payments. We then add any interest charges or fees and make other adjustments.\nYour billing statement also shows your transactions; the Minimum Payment Due and payment due date; your credit limit;\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.\nAPR\nVariable APR Based on Prime. If any APR is based on the U.S. Prime Rate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d), the APR will equal the\nPrime Rate plus an additional amount. If the Prime Rate increases, it will cause the APR to increase. If the Prime Rate\ndecreases, it will cause the APR to decrease. For each billing cycle we use the Prime Rate published in The Wall Street\nJournal two business days before the Statement Closing Date. If the Prime Rate causes an APR to change, we put the\nnew APR into effect as of the first day of the billing cycle for which we calculate the APR. We apply the new APR to any\nexisting balances, subject to any promotional rate that may apply. If The Wall Street Journal does not publish the Prime\nRate, we will use a similar published rate.\nPurchase APR. See the Supplement.\nEffect of APR Increases. If an APR increases, interest charges increase. Your minimum payment may increase as well.\nPromotions\nWe may offer promotional terms for all or a part of any balances. Any promotional terms may apply for a limited period\nof time. They will be governed by the terms of the promotional offer and this Agreement. Your promotional terms will end\nwhen the promotional period expires.\n\n\x0cIf a promotional offer is a deferred interest offer, no interest charges will be imposed on the deferred interest balance if\nyou pay the balance in full by the end of the promotional period for that deferred interest balance. We will impose interest\ncharges on the deferred interest balance at the APR for regular purchases from the date of purchase if you do not pay the\nbalance in full by the end of the promotional period.\nInterest Charges Based on APRs\nInterest Charges. We impose interest charges when we apply APRs to your account balances. We do this every day by\nusing a daily periodic rate. To get a daily periodic rate, we divide the APR by 365.\nWhen Interest Charges Begin. We begin to impose interest charges the first day we add a charge to a daily balance.\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 payment\ndue date every billing cycle. If you do not, you will not get a grace period until you pay the New Balance for two billing\ncycles in a row.\nIf you have a balance subject to a deferred interest or a 0% APR promotion and that promotion does not expire before the\npayment due date, that balance (an \xe2\x80\x9cexcluded balance\xe2\x80\x9d) is excluded from the amount you must pay in full to get a grace\nperiod on a purchase balance other than an excluded balance. In addition, if you have a major purchase plan balance,\nthat balance (an \xe2\x80\x9cexcluded balance\xe2\x80\x9d) is excluded from the amount you must pay in full to get a grace period on a purchase\nbalance other than an excluded balance. However, you must still pay any separately required payment on the excluded\nbalance. In billing cycles in which payments are allocated to deferred interest balances first, the deferred interest balance\nwill be reduced before any other balance on the account. However, you will continue to get a grace period on purchases,\nother than an excluded balance, so long as you pay the New Balance (less any excluded balance, plus any separately\nrequired payment on an excluded balance) in full by the payment due date each billing cycle.\nIn addition, certain promotional offers may take away the grace period on purchases. Other promotional offers not\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\x93 Daily 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. (When we calculate interest charges, we treat each deferred interest transaction separately even if it\nhas the same terms as another deferred interest transaction.)\n\xe2\x80\xa2 We calculate the daily balance for each of your different balances. To get a daily balance, we start with the balance as of\nthe end of the previous day. We add any interest charge on the previous day\xe2\x80\x99s balance. (This results in daily compounding\nof interest charges.) We add any new charges. We then subtract any new credits or payments.\n\xe2\x80\xa2 We multiply each daily balance by the daily periodic rate that applies to it. We do this for each day in the billing cycle. This\ngives us the daily interest charges for each of your different balances.\n\xe2\x80\xa2 We add up all the daily interest charges. The sum is the total interest charge for the billing cycle.\n\xe2\x80\xa2 You authorize us to round interest charges to the nearest cent.\nWhen we calculate daily balances, we add a purchase 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\nbilling cycle begins on the day after the Statement Closing Date of the previous billing cycle. It includes the Statement\nClosing Date of the current billing cycle.\nFees\nLate Fee. We may add a late fee for each billing cycle in which you have a past due payment. For late fee purposes, you\nhave a past due payment any time you fail to pay the Minimum Payment Due by the payment due date. The fee will be\n$29; or $40 for any additional past due payment during the next six billing cycles after a past due payment. However, the\nfee 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.\n\n\x0cTo calculate the Minimum Payment Due, we begin with any past due amount. We add the amount due on each major\npurchase plan balance. We add the promotional balance minimum payment due amount for each promotional balance as\nspecified below or any additional amount specified in a promotional offer. We add any amount required by the Promotion\nCalculation. We also add the largest of the following:\n\xe2\x80\xa2 The Calculated New Balance if it is less than $29;\n\xe2\x80\xa2 $29 if the Calculated New Balance is at least $29; or\n\xe2\x80\xa2 1% of the Calculated New Balance plus the amount of your billed interest charges on that balance, any minimum interest\ncharge allocated to that balance, and any applicable late fee. (The result is rounded up to the nearest dollar.) However, we\nsubtract interest charges that accrued during prior billing cycles on a deferred interest balance that ended during the billing\ncycle covered by the statement.\nThe Calculated New Balance equals the New Balance on the billing statement less any balances subject to a major\npurchase plan, the Promotion Calculation, or to either of two types of promotional terms. The first type are terms that do\nnot require a minimum payment. The second type are terms that require an additional amount as part of the Minimum\nPayment Due.\nThe amount due on a major purchase plan balance is the smaller of:\n\xe2\x80\xa2 The Repayment Percentage times the major purchase plan\xe2\x80\x99s Highest Balance plus any credit protection or credit insurance\nfee allocated to that balance. (The result is rounded up to the nearest dollar.) Or\n\xe2\x80\xa2 The major purchase plan\xe2\x80\x99s balance on the Statement Closing Date.\nFor each major purchase plan balance, the Highest Balance is the highest major purchase plan balance on a Statement\nClosing Date, less any credit protection or credit insurance fee allocated to that balance for that cycle, since the last\ntime that balance was zero. The balance is zero at account opening. The Repayment Percentage for the 24 month\nmajor purchase plan is 4.70690%. The Repayment Percentage for the 36 month major purchase plan is 3.32100%. The\nRepayment Percentage for the 48 month major purchase plan is 2.63290%.\nIf you have a deferred interest transaction balance subject to the Promotion Calculation, the Promotion Calculation will\nequal 1% of this balance during the promotion period. (The result is rounded up to the nearest cent.) After the promotion\nperiod, any such remaining promotional balance will be included in the Calculated New Balance. The Promotion\nCalculation will apply if, based on the amount of the transaction as shown on the first statement that displays the\ntransaction and the dollar amount in the Minimum Payment Due calculation in effect at the time of the transaction, we\ndetermined that paying such dollar amount each billing cycle would result in repayment of the promotional balance before\nthe end of the promotion period.\nThe Minimum Payment Due may reflect adjustments to the New Balance. The Minimum Payment Due is never more than\nthe Calculated New Balance plus three amounts. The first is any amount required by a major purchase plan. The second\nis any amount required by a promotional offer. The third is any amount required by the Promotion Calculation.\nApplication of Payments. Payments in excess of the Minimum Payment Due are applied in accordance with law. This\nmeans that we will generally apply payments in excess of the Minimum Payment Due to higher APR balances first.\nHowever, excess payments received before a deferred interest promotion expires are applied to the deferred interest\npromotional balance first in the last two billing cycles of the promotional period. And, if the expiration date of a deferred\ninterest promotion is before the payment due date in the billing cycle in which the deferred interest promotion expires,\nexcess payments received before the deferred interest promotion expires are applied to the deferred interest promotional\nbalance first in the last three billing cycles of the promotional period. Payments equal to or less than the Minimum\nPayment Due and credits are applied at our discretion and you authorize us to apply payments and credits in a way that\nis most favorable or convenient for us. This may include applying such payments and credits to lower APR balances first.\nPayment Instructions. We credit your payments in accordance with our payment instructions on the billing statement.\nYou must pay us in U.S. dollars. To do so, you must use a check, similar instrument, or electronic debit that is drawn on\nand honored by a bank in the U.S. Do not send cash. We can accept late or partial payments, or payments that reflect\n\xe2\x80\x9cpaid in full\xe2\x80\x9d or other restrictive endorsements, without losing our rights. We also reserve the right to accept payments\nmade in foreign currency and instruments drawn on funds on deposit outside the U.S. If we do, we select the currency\nconversion rate. We will then credit your account in U.S. dollars after deducting any costs incurred in processing your\npayment. Or we may bill you separately for these costs.\nCredit Reporting\nWe may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on\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 changes\nmay add, replace, or remove provisions of this Agreement. We will give you advance written notice of the\nchanges 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 we\ndetect 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 a\ndifferent 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 Relay\nService).\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.\nARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN IN COURT. THIS ARBITRATION\nPROVISION IS GOVERNED BY THE FEDERAL ARBITRATION ACT (FA A), AND SHALL BE INTERPRETED IN THE\nBROADEST WAY THE LAW WILL ALLOW.\n\n\x0cCovered claims\n\xe2\x80\xa2 You or we may arbitrate any claim, dispute or controversy between you and us arising out of or related to your account, a\nprevious related account or our relationship (called \xe2\x80\x9cClaims\xe2\x80\x9d).\n\xe2\x80\xa2 If arbitration is chosen by any party, neither you nor we will have the right to litigate that Claim in court or have a jury\ntrial on that Claim.\nExcept as stated below, all Claims are subject to arbitration, no matter what legal theory they\xe2\x80\x99re based on or what remedy\n(damages, or injunctive or declaratory relief) they seek, including Claims based on contract, tort (including intentional\ntort), fraud, agency, your or our negligence, statutory or regulatory provisions, or any other sources of law; Claims made\nas counterclaims, cross-claims, third-party claims, interpleaders or otherwise; Claims made regarding past, present,\nor future conduct; and Claims made independently or with other claims. This also includes Claims made by or against\nanyone connected with us or you or claiming through us or you, or by someone making a claim through us or you, such\nas a co-applicant, authorized user, employee, agent, representative or an affiliated/parent/subsidiary company.\nArbitration limits\n\xe2\x80\xa2 Individual Claims filed in a small claims court are not subject to arbitration, as long as the matter stays in small claims court.\n\xe2\x80\xa2 We won\xe2\x80\x99t initiate arbitration to collect a debt from you unless you choose to arbitrate or assert a Claim against us. If you assert\na Claim against us, we can choose to arbitrate, including actions to collect a debt from you. You may arbitrate on an individual\nbasis Claims brought against you, including Claims to collect a debt.\n\xe2\x80\xa2 Claims brought as part of a class action, private attorney general or other representative action can be arbitrated only on an\nindividual basis. The arbitrator has no authority to arbitrate any claim on a class or representative basis and may award relief\nonly on an individual basis. If arbitration is chosen by any party, neither you nor we may pursue a Claim as part of a class\naction or other representative action. Claims of 2 or more persons may not be combined in the same arbitration. However,\napplicants, co-applicants, authorized users on a single 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 (\xe2\x80\x9cAAA\xe2\x80\x9d) according to this arbitration provision and the\napplicable AAA arbitration rules in effect when the claim is filed (\xe2\x80\x9cAAA Rules\xe2\x80\x9d), except where those rules conflict with this\narbitration provision. You can obtain copies of the AAA Rules at the AAA\xe2\x80\x99s website (w w w . a d r. org) or by calling 800-778-7879\n(TTY: Use 711 or other Relay Service). You or we may choose to have a hearing, appear at any hearing by phone or other\nelectronic means, and/or be represented by counsel. Any in-person hearing will be held in the same city as the U.S. District\nCourt closest to your billing address.\n\xe2\x80\xa2 Arbitration may be requested any time, even where there is a pending lawsuit, unless a trial has begun or a final judgment\nentered. Neither you nor we waive the right to arbitrate by filing or serving a complaint, answer, counterclaim, motion, or\ndiscovery in a court lawsuit. To choose arbitration, a party may file a motion to compel arbitration in a pending matter and/or\ncommence arbitration by submitting the required AAA forms and requisite filing fees to the AAA.\n\xe2\x80\xa2 The arbitration shall be conducted by a single arbitrator in accord with this arbitration provision and the AAA Rules, which\nmay limit discovery. The arbitrator shall not apply any federal or state rules of civil procedure for discovery, but the arbitrator\nshall honor claims of privilege recognized at law and shall take reasonable steps to protect account information and other\nconfidential information of either party if requested to do so. The arbitrator shall apply applicable substantive law consistent\nwith the FAA and applicable statute of limitations, and may award damages or other relief under applicable law.\n\xe2\x80\xa2 The arbitrator shall make any award in writing and, if requested by you or us, may provide a brief statement of the reasons for\nthe award. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall\nnot have any bearing on any other person or dispute.\nPaying for arbitration fees\n\xe2\x80\xa2 We will pay your share of the arbitration fee for an arbitration of Claims of $75,000 or less if they are unrelated to debt\ncollection. Otherwise, arbitration fees will be allocated according to the applicable AAA Rules. If we prevail, we may not\nrecover our arbitration fees, unless the arbitrator decides your Claim was frivolous. All parties are responsible for their own\nattorney\xe2\x80\x99s fees, expert fees and any other expenses, unless 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 the AAA within 30 days of notice of the award. The\narbitration appeal shall be determined by a panel of 3 arbitrators. The panel will consider all facts and legal issues anew\nbased on the same evidence presented in the prior arbitration, and will make decisions based on a majority vote. Arbitration\nfees for the arbitration appeal shall be allocated according to the applicable AAA Rules. An award by a panel on appeal is\nfinal. A final award is subject to judicial review as provided by applicable law.\n\n\x0cSurvival 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 believe it\nis a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think\nis wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any\npotential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already\ncorrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\n\x0c\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and\nfees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as\ndelinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill.\nWe must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know\nwhen 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 is\ncorrect.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in\ngood faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an\nadvertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check\nthat accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the address for\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\n202SL7-0721\n\n\x0c'


b'Fact Sheet\nPricing Information Table\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n14.99% to 22.99%\n\nAPR for Balance Transfers\n\n14.99% to 22.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\nAPR for Cash Advances\n\n25.24%\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Citi Flex Plan\n\n14.99% to 22.99%\nThis APR will vary with the market based on the Prime Rate.\n\nPenalty APR and When\nIt Applies\n\nUp to 29.99% based on your creditworthiness. This APR will vary with the\nmarket based on the Prime Rate.\nThis APR may be applied to your account if you:\n1. Make a late payment or\n2. Make a payment that is returned.\nHow Long Will the Penalty APR Apply? If your APRs are increased for\neither of these reasons, the penalty APR may apply indefinitely.\n\nPaying Interest\n\nYour due date is at least 23 days after the close of each billing cycle.\nWe will not charge you interest on purchases if you pay your monthly\nCiti Flex Plan Payment Amount plus your entire balance, excluding any\nCiti Flex Plan balances, by the due date each month. If you do not pay\nyour monthly Citi Flex Plan Payment plus your entire balance, excluding\nany Citi Flex Plan balances, by the due date each month, you will pay\ninterest on your purchases from the date they\xe2\x80\x99re posted to your account.\nWe will begin charging interest on cash advances and balance transfers\non the transaction date. We will begin charging interest on a Citi Flex\nPlan balance at the start of the billing cycle following the billing cycle\nduring which you created the Citi Flex Plan.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than 50 cents.\n\nHow We Calculate\nYour Balance\n\nDaily Balance\n\n\x0cFees\nAnnual Membership Fee\n\nNone\n\nTransaction Fees\n\n\xe2\x80\xa2 Balance Transfer: Either $5 or 3% of the amount of each transfer,\nwhichever is greater.\n\xe2\x80\xa2 Cash Advance: Either $10 or 5% of the amount of each cash advance,\nwhichever is greater.\n\xe2\x80\xa2 Foreign Purchase Transaction: None\n\nPenalty Fees\n\n\xe2\x80\xa2 Late Payment: Up to $40\n\xe2\x80\xa2 Returned Payment: Up to $40\n\nDetails About Your Interest Rates\n\nDaily Periodic Rate\n\nFor Variable Rates:\nU.S. Prime Rate Plus\n\nPurchases\n\n0.04107% to 0.06299%\n\n11.74% to 19.74%\n\nBalance Transfers\n\n0.04107% to 0.06299%\n\n11.74% to 19.74%\n\n0.06915%\n\n21.99%\n\n0.04107% to 0.06299%\n\n11.74% to 19.74%\n\nUp to 0.08216%\n\nUp to 26.74%\n\nCash Advances\nCiti Flex Plan\nPenalty\nVariable rate APRs will not exceed 29.99%\n\nNote: Balance Transfers and Flex Plans are made available at our discretion.\nPROTECTIONS FOR ACTIVE DUTY SERVICE MEMBERS AND THEIR DEPENDENTS\nProtections. Federal law provides important protections to members of the Armed Forces and their dependents relating\nto extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her\ndependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit\ntransaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in\nconnection with the credit transaction; any application fee charged (other than certain application fees for specified credit\ntransactions or accounts) and any participation fee charged (other than certain participation fees for a credit card\naccount). You are entitled to these protections if you are a Covered Borrower, as defined below.\nCovered Borrower. You are a Covered Borrower if, in connection with the opening of your account, we determine you are\nan active duty member of the Armed Forces (including active Guard and Reserve duty) or a dependent of an active duty\nmember. You will cease to be a Covered Borrower if we determine you are no longer an active duty member of the Armed\nForces (including active Guard and Reserve duty) or a dependent of an active duty member.\nOral Disclosures. If you are a Covered Borrower, you may obtain information related to your Account, including\ninformation about these protections and your payment obligation, by calling 1-877-313-6762.\n\n184\n\n\x0c'


b'101A\n\nCredit Card Disclosures Pricing Information Table\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n26.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\n9.99%\n\nfor select purchases eligible for a Major Purchase Plan.1\n\nHow to Avoid\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge\nyou any interest on purchases if you pay your entire balance (minus any excluded balance,\nplus any separately required payment on an excluded balance) by the due date each\nmonth.2\nWe will begin charging interest on a Major Purchase Plan balance at the start of the billing\ncycle following the billing cycle in which the Major Purchase Plan Purchase was made.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $2.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFees\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $40\n\nThe store website will identify which purchases are eligible for the Major Purchase Plan.\nSee your Card Agreement for details on excluded balances and how they affect your grace period.\n\n1\n2\n\nDetails About Your Interest Rates\n\nPeriodic Rate\nas of 9/1/20\n\nFor variable rates:\nU.S. Prime Rate Plus the following \xe2\x80\x9cMargin\xe2\x80\x9d:\n\nPurchases\n\n0.07394% (D)\n\n23.74%\n\nMajor Purchase Plan\n\n0.02736% (D)\n\nN/A\n\n(D) = Daily periodic rate. A daily periodic rate is the APR divided by 365.\n\n\x0c'