202JRC-1013

CARD AGREEMENT

This Card Agreement is your contract with us. It governs the
use of your card and account. Please read this Agreement
carefully. Keep it for your records.

Definitions
account means the relationship established between you and
us by this Agreement.

APR means an annual percentage rate.

authorized user means any person you allow to use your
account.

card means one or more cards or other access devices that
we give you to get credit under this Agreement. This includes
account numbers.

we, us, and our mean Citibank, N.A., the issuer of your
account. Citibank, N.A. is located in Sioux Falls, SD.

you, your, and yours mean the person who applied to open
the account. It also means any other person responsible for
complying with this Agreement.

Your Account

You agree to use your account in accordance with this
Agreement. You must pay us for all amounts due on your
account. This Agreement is binding on you unless you close
your account within 30 days after receiving the card and you
have not used or authorized use of the card. Your account
must only be used for lawful transactions.

Authorized Users. You may request additional cards for
authorized users. You must pay us for all charges made by
authorized users. You must pay us even if you did not intend
to be responsible for those charges. You must notify us to
withdraw any permission you give to an authorized user to
use your account.

Joint Accounts. If this is a joint account, each of you is
responsible individually and together for all amounts owed.
Each of 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 the 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 pay as ordered by the court. Your ac-
count status will continue to be reported to the credit bureau
under each of your names. The delivery of notices or billing

statements to either of you serves as delivery to each of you.
We may rely on instructions given by either of you. We are
not liable to either of you for relying upon such instructions.

Credit Limit. Your initial credit limit is on the card carrier.
After that, your credit limit appears on your billing statement.
The full amount of your credit limit is available to use where
the card is honored. We may reduce or increase your credit
limit at any time for any reason, as permitted by law. We 
will notify you of any change, but the change may take effect
before you receive the notice. You should always keep your
total balance below the credit limit. However, if the total
balance goes over your credit limit you still must pay us. 
If your account has a credit balance, we may reduce the 
credit balance by any new charges on your account. You may
not maintain a credit balance in excess of your credit limit.

Billing Statement. Your billing statement shows the 
New Balance. This is the total amount you owe us on the
Statement Closing Date. To determine the New Balance, we
begin with the total balance at the start of the billing cycle.
We add any purchases. We subtract any credits or payments.
We then add any interest charges or fees and make other
adjustments.

Your billing statement also shows your transactions; the
Minimum Payment Due and payment due date; your credit
limit; and your interest charges and fees.

We deliver a billing statement to only one address. You 
must notify Customer Service of a change in address. We
may stop sending you statements if we deem your account
uncollectible or start collection proceedings; but we may
continue to add interest and fees as permitted by law.

APRs
Variable APRs Based on Prime. If any APR is based on the
U.S. Prime Rate (“Prime Rate”), the APR will equal the Prime
Rate plus an additional amount. If the Prime Rate increases, 
it will cause the APR to increase. If the Prime Rate decreases,
it will cause the APR to decrease. For each billing cycle we
use the Prime Rate published in The Wall Street Journal 
two business days before the Statement Closing Date. If the
Prime Rate causes an APR to change, we put the new APR
into effect as of the first day of the billing cycle for which 
we calculate the APR. We apply the new APR to any existing
balances, subject to any promotional rate that may apply. 
If The Wall Street Journal does not publish the Prime Rate,
we will use a similar published rate.

Purchase APR. There is a variable regular purchases APR. 
It equals the Prime Rate plus 25.74%. As of September 1,
2013, this Annual Percentage Rate is 28.99%. This APR
equals a daily periodic rate of 0.07942%.

Major Purchase Plan APR. The APR for the 18, 24 and 36
month major purchase plans is 11.99%. This APR equals a
daily periodic rate of 0.03284%. The 18, 24 and 36 month
major purchase plans are available for select purchases. 
The store sales associate or store website will identify which
purchases are eligible for these major purchase plans.

Effect of APR Increases. If an APR increases, interest
charges increase. Your minimum payment may increase 
as well.

Promotions
We may offer promotional terms for all or a part of any bal-
ances. They will be governed by the terms of the promotional
offer and this Agreement.

If a promotional offer is a deferred interest offer, no interest
charges will be imposed on the deferred interest balance 
if you pay the balance in full by the end of the promotional
period for that deferred interest balance. We will impose
interest charges on the deferred interest balance at the APR
for regular purchases from the date of purchase if you do not
pay the balance in full by the end of the promotional period.

Interest Charges Based on APRs

Interest Charges. We impose interest charges when we 
apply APRs to your account balances. We do this every day
by using a daily periodic rate. To get a daily periodic rate, we
divide the APR by 365.

When Interest Charges Begin. We begin to impose interest
charges the first day we add a charge to a daily balance. The
charges we add to a daily balance include purchases, interest
charges and fees. We continue to impose interest charges
until we credit your account with full payment of the total
amount you owe us.

Grace Period on Purchases. You can avoid interest charges
on purchases. This is called a grace period on purchases. 
The grace period is at least 25 days. To get a grace period on
purchases, you must pay the New Balance by the payment
due date every billing cycle. If you do not, you will not get a
grace period until you pay the New Balance for two billing
cycles in a row.

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If you have a balance subject to a deferred interest promotion
and that promotion does not expire before the payment due
date, that balance (an “excluded balance”) is excluded from
the amount you must pay in full to get a grace period on a
purchase balance other than an excluded balance. In addition,
if you have a major purchase plan balance, that balance (an
“excluded balance”) is excluded from the amount you must
pay in full to get a grace period on a purchase balance other
than an excluded balance. However, you must still pay any
separately required payment on the excluded balance. In
billing cycles in which payments are allocated to deferred
interest balances first, the deferred interest balance will be
reduced before any other balance on the account. However,
you will continue to get a grace period on purchases, other
than an excluded balance, so long as you pay the New Bal-
ance (less any excluded balance, plus any separately required
payment on an excluded balance) in full by the payment due
date each billing cycle.

In addition, certain promotional offers may take away the
grace period on purchases. Other promotional offers not
described above may also allow you to have a grace period
on purchases without having to pay all or a portion of the
promotional balance by the payment due date. If either is the
case, the promotional offer will describe what happens.

Calculation of Interest Charges – Daily Balance Method
(Including Current Transactions). We calculate interest
charges each billing cycle. To do this:

• We start with each of your different balances. These
balances include, for example, regular purchases and
different promotional balances. (Purchases made 
under the same promotional terms, including APR and
expiration date, will be part of the same promotional
balance.)

• We calculate the daily balance for each of your different

balances. To get a daily balance, we start with the
balance as of the end of the previous day. We add any
interest charge on the previous day’s balance. (This
results in daily compounding of interest charges.) We
add any new charges. We then subtract any new credits
or payments.

• 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 gives us the daily interest charges for each 
of your different balances.

• We add up all the daily interest charges. The sum is the

total interest charge for the billing cycle.

• You authorize us to round interest charges to the 

nearest cent.

When we calculate daily balances, we add a purchase as 
of the Transaction Date. The Transaction Date is shown on 
the billing statement. We subtract a payment or credit as 
of the day it is credited to the account and then make other
adjustments. We treat a credit balance as a balance of zero.

Minimum Interest Charge. If we charge you interest, the
charge will be no less than $2. We add the charge to the
regular purchase balance or allocate it among one or more 
of the balances that accrues interest.

Balance Subject to Interest Rate. Your statement shows 
a Balance Subject to Interest Rate. It shows this for each
different balance. The Balance Subject to Interest Rate is the
average of the daily balances during the billing cycle. A billing
cycle begins on the day after the Statement Closing Date of
the previous billing cycle. It includes the Statement Closing
Date of the current billing cycle.

Fees

Late Fee. We may add a late fee for each billing cycle in
which you have a past due payment. For late fee purposes,
you have a past due payment any time you fail to pay the
Minimum Payment Due by the payment due date. The fee will
be $25; or $35 for any additional past due payment during
the next six billing cycles after a past due payment. However,
the fee will not exceed the amount permitted by law. We add
this fee to the regular purchase balance.

Returned Payment Fee. We may add a returned payment 
fee for a returned payment. A returned payment is an elec-
tronic debit, payment check, or similar payment instrument,
that is returned unpaid. We may add this fee the first time
your payment is returned, even if it is not returned upon
resubmission. The fee will be $25; or $35 for any additional
returned payment during the same or next six billing cycles
after a returned payment. However, the fee will not exceed 
the amount permitted by law. We add this fee to the regular
purchase balance.

Payments
Making Payments. You may pay all or part of your account
balance at any time. However, you must pay at least the
Minimum Payment Due by the payment due date each billing
cycle. The sooner you pay the New Balance, the less you will
pay in interest charges.

To calculate the Minimum Payment Due, we begin with any
past due amount. We add the amount due on each major
purchase plan balance. We add any additional amount speci-
fied in a promotional offer. We add any amount required by
the Promotion Calculation. We also add the largest of the
following:

• The Calculated New Balance if it is less than $25;
• $25 if the Calculated New Balance is at least $25; or
• 1% of the Calculated New Balance plus the amount 
of your billed interest charges on that balance, any
minimum interest charge allocated to that balance, and
any applicable late fee (the result is rounded up to the
nearest dollar). However, we subtract interest charges
that accrued during prior billing cycles on a deferred
interest balance that ended during the billing cycle
covered by the statement.

The Calculated New Balance equals the New Balance on 
the billing statement less any balances subject to a major
purchase plan, the Promotion Calculation, or to either of two
types of promotional terms. The first type are terms that do
not require a minimum payment. The second type are terms
that require an additional amount as part of the Minimum
Payment Due.

The amount due on a major purchase plan balance is the
smaller of:

• The Repayment Percentage times the major purchase
plan’s Highest Balance plus any credit protection or
credit insurance fee allocated to that balance. (The result
is rounded up to the nearest dollar.) Or

• The major purchase plan’s balance on the Statement

Closing Date.

For each major purchase plan balance, the Highest Balance 
is the highest major purchase plan balance on a Statement
Closing Date, less any credit protection or credit insurance 
fee allocated to that balance for that cycle, since the last 
time that balance was zero. The balance is zero at account
opening. The Repayment Percentage for the 18 month major
purchase plan is 6.0977%. The Repayment Percentage for 
the 24 month major purchase plan is 4.7069%. The Repay-
ment Percentage for the 36 month major purchase plan is
3.3210%.

The Promotion Calculation is based on the transaction
amount as shown on the first statement that displays the
transaction. It applies if, paying $25 on this balance each

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billing cycle would result in repayment before the end of the
promotion period. The Promotion Calculation equals 1% 
of this balance during the promotion period. (The result is
rounded up to the nearest cent.) The Promotion Calculation
only applies during the promotion period.

The Minimum Payment Due may reflect adjustments to the
New Balance. The Minimum Payment Due is never more than
the Calculated New Balance plus three amounts. The first is
any amount required by a major purchase plan. The second 
is any amount required by a promotional offer. The third is
any amount required by the Promotion Calculation.

Application of Payments. Payments in excess of the
Minimum Payment Due are applied in accordance with law.
This means that we will generally apply payments in excess 
of the Minimum Payment Due to higher APR balances first.
However, excess payments received before a deferred interest
promotion expires are applied to the deferred interest pro-
motional balance first in the last two billing cycles of the
promotional period. And, if the expiration date of a deferred
interest promotion is before the payment due date in the
billing cycle in which the deferred interest promotion expires,
excess payments received before the deferred interest promo-
tion expires are applied to the deferred interest promotional
balance first in the last three billing cycles of the promotional
period.Payments equal to or less than the Minimum Payment
Due and credits are applied at our discretion and you auth-
orize us to apply payments and credits in a way that is most
favorable or convenient for us. This may include applying
such payments and credits to lower APR balances first.

Payment Instructions. We credit your payments in accor-
dance with our payment instructions on the billing statement.
You must pay us in U.S. dollars. To do so, you must use a
check, similar instrument, or electronic debit that is drawn 
on and honored by a bank in the U.S. Do not send cash. 
We can accept late or partial payments, or payments that
reflect “paid in full” or other restrictive endorsements, with-
out losing our rights. We also reserve the right to accept
payments made in foreign currency and instruments drawn
on funds on deposit outside the U.S. If we do, we select 
the currency conversion rate. We will then credit your ac-
count in U.S. dollars after deducting any costs incurred in
processing your payment. Or we may bill you separately for
these costs.

Optional Pay by Phone Service. You may use our optional
Pay by Phone Service to make your payment by phone. 

To do 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 the back of the billing statement when a representative 
of ours helps expedite your payment. Our representatives 
are trained to tell you this amount when you use this service.

Credit Reporting

We may report information about your account to credit
bureaus. Late payments, missed payments, or other defaults
on your account may be reflected in your credit report. We
may report account information in your name and the names
of authorized users. We may also obtain follow-up credit
reports on you.

If you think we reported incorrect information to a credit
bureau, write us at the Customer Service address on the
billing statement. We will investigate the matter. We will then
tell you if we agree or disagree with you. If we agree with
you, we will contact each credit bureau to which we reported
and request a correction. If we disagree with you, we will tell
you that.

Information Sharing
You authorize us to share information about you as permitted
by law. This includes information we get from you and others.
It also includes information about your transactions with us.
Please see our Privacy Notice for details about our informa-
tion sharing practices.

Changes to this Agreement
We may change the rates, fees, and terms of this
Agreement from time to time as permitted by law. The
changes may add, replace, or remove provisions of this
Agreement. We will give you advance written notice of 
the changes and a right to opt out to the extent required 
by law.

Default

You default under this Agreement if you fail to pay the
Minimum Payment Due by its due date; go over your credit
limit; pay by a check or similar instrument that is not honored
or that we must return because it cannot be processed; pay
by electronic debit that is returned unpaid; file for bankruptcy;
or fail to comply with the terms of this Agreement. If you
default, we may close your account and, to the extent
permitted by law, demand immediate payment of the total
balance.

Refusal of the Card, Closed Accounts, 
and Related Provisions

Refusal of the Card. We do not guarantee approval of
transactions. We are not liable for transactions that are not
approved. That is true even if you have enough credit. We
may limit the number of transactions approved in one day. 
If we detect unusual or suspicious activity, we may suspend
your credit privileges.

Preauthorized Charges. We may suspend any automatic or
other preauthorized card charges you arrange with a third
party. 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, you are responsible for paying the third party directly 
if you wish to do so. You are also responsible for reinstat-
ing the preauthorized charges if you wish to do so and we
permit it.

Lost or Stolen Cards or Account Numbers. You must call us
if any card or account number is lost or stolen. You must also
call us if you think someone used or may use them without
permission. When you call, we may require you to provide
information to help our investigation. We may require you 
to provide this information in writing. For example, we may
ask you to identify any charges that were not made by you or
someone authorized by you. We may also ask you to confirm
that you received no benefit from those charges.

Closing Your Account. You may close your account by
notifying us in writing or over the phone. If you close your
account, you must still repay the total balance in accordance
with this Agreement. We may also close your account or
suspend account privileges at any time for any reason. We
may do this without prior notice to you. We may also reissue
a different card at any time. You must return any card to us
upon request.

ARBITRATION

PLEASE READ THIS PROVISION OF THE AGREEMENT
CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY BE
RESOLVED BY BINDING ARBITRATION. ARBITRATION
REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE
RIGHT TO A JURY AND THE RIGHT TO INITIATE OR
PARTICIPATE IN A CLASS ACTION OR SIMILAR
PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED
BY AN ARBITRATOR INSTEAD OF A JUDGE OR JURY.
ARBITRATION PROCEDURES ARE SIMPLER AND MORE
LIMITED THAN COURT PROCEDURES.

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Agreement to Arbitrate: Either you or we may, without the
other’s consent, elect mandatory, binding arbitration for any
claim, dispute, or controversy between you and us (called
“Claims”).

Claims Covered
What Claims are subject to arbitration? All Claims relating 
to your account, a prior related account, or our relationship
are subject to arbitration, including Claims regarding the
application, enforceability, or interpretation of this Agreement
and this arbitration provision. All Claims are subject to arbi-
tration, no matter what legal theory they are based on or what
remedy (damages, or injunctive or declaratory relief) they
seek. This includes Claims based on contract, tort (including
intentional tort), fraud, agency, your or our negligence,
statutory or regulatory provisions, or any other sources of
law; Claims made as counterclaims, cross-claims, third-
party claims, interpleaders or otherwise; and Claims made
independently or with other claims. A party who initiates 
a proceeding in court may elect arbitration with respect to 
any Claim advanced in that proceeding by any other party.
Claims and remedies sought as part of a class action, private
attorney general or other representative action are subject to
arbitration on an individual (non-class, non-representative)
basis, and the arbitrator may award relief only on an individ-
ual (non-class, non-representative) basis.

Whose Claims are subject to arbitration? Not only ours and
yours, but also Claims made by or against anyone connected
with us or you or claiming through us or you, such as a 
co-applicant or authorized user of your account, an employee,
agent, representative, affiliated company, predecessor or
successor, heir, assignee, or trustee in bankruptcy.

What time frame applies to Claims subject to arbitration?
Claims arising in the past, present, or future, including Claims
arising before the opening of your account, are subject to
arbitration.

Broadest interpretation. Any questions about whether Claims
are subject to arbitration shall be resolved by interpreting this
arbitration provision in the broadest way the law will allow it
to be enforced. This arbitration provision is governed by the
Federal Arbitration Act (the “FAA”).

What about Claims filed in Small Claims Court? Claims filed
in a small claims court are not subject to arbitration, so long
as the matter remains in such court and advances only an
individual (non-class, non-representative) Claim.

What about debt collections? We and anyone to whom we
assign your debt will not initiate an arbitration proceeding to
collect a debt from you unless you assert a Claim against us
or our assignee. We and any assignee may seek arbitration 
on an individual basis of any Claim asserted by you, whether
in arbitration or any proceeding, including in a proceeding to
collect a debt. You may seek arbitration on an individual basis
of any Claim asserted against you, including in a proceeding
to collect a debt.

How Arbitration Works

How does a party initiate arbitration? The party filing an
arbitration must choose one of the following two arbitration
firms and follow its rules and procedures for initiating and
pursuing an arbitration: American Arbitration Association or
JAMS. Any arbitration hearing that you attend will be held 
at a place chosen by the arbitration firm in the same city as
the U.S. District Court closest to your then current billing
address, or at some other place to which you and we agree in
writing. You may obtain copies of the current rules of each of
the arbitration firms and forms and instructions for initiating
an arbitration by contacting them as follows:

American Arbitration Association
800-778-7879 (toll-free)
Website: www.adr.org

JAMS
800-352-5267 (toll-free)
Website: www.jamsadr.com

At any time you or we may ask an appropriate court to
compel arbitration of Claims, or to stay the litigation of Claims
pending arbitration, even if such Claims are part of a lawsuit,
unless a trial has begun or a final judgment has been entered.
Even if a party fails to exercise these rights at any particular
time, or in connection with any particular Claims, that party
can still require arbitration at a later time or in connection
with any other Claims.

What procedures and law are applicable in arbitration? 
A single, neutral arbitrator will resolve Claims. The arbitrator
will be either a lawyer with at least ten years experience or a
retired or former judge, selected in accordance with the rules
of the arbitration firm. The arbitration will follow procedures
and rules of the arbitration firm in effect on the date the
arbitration is filed unless those procedures and rules are
inconsistent with this Agreement, in which case this Agree-
ment will prevail. Those procedures and rules may limit the

discovery available to you or us. The arbitrator will take
reasonable steps to protect customer account information
and other confidential information if requested to do so by
you or us. The arbitrator will apply applicable substantive law
consistent with the FAA and applicable statutes of limitations,
will honor claims of privilege recognized at law, and will have
the power to award to a party any damages or other relief
provided for under applicable law. You or we may choose to
have a hearing and be represented by counsel. The arbitrator
will make any award in writing and, if requested by you or us,
will provide a brief statement of the reasons for the award. An
award in arbitration shall determine the rights and obligations
between the named parties only, and only in respect of the
Claims in arbitration, and shall not have any bearing on the
rights and obligations of any other person, or on the resolu-
tion of any other dispute.

Who pays? Whoever files the arbitration pays the initial filing
fee. If we file, we pay; if you file, you pay, unless you get a 
fee waiver under the applicable rules of the arbitration firm. 
If you have paid the initial filing fee and you prevail, we will
reimburse you for that fee. If there is a hearing, we will pay
any fees of the arbitrator and arbitration firm for the first day
of that hearing. All other fees will be allocated as provided by
the rules of the arbitration firm and applicable law. However,
we will advance or reimburse your fees if the arbitration firm
or arbitrator determines there is good reason for requiring 
us to do so, or if you ask us and we determine there is good
reason for doing so. Each party will bear the expense of that
party’s attorneys, experts, and witnesses, and other expenses,
regardless of which party prevails, but a party may recover
any or all expenses from another party if the arbitrator,
applying applicable law, so determines.

Who can be a party? Claims must be brought in the name 
of an individual person or entity and must proceed on an
individual (non-class, non-representative) basis. The arbi-
trator will not award relief for or against anyone who is not a
party. If you or we require arbitration of a Claim, neither you,
we, nor any other person may pursue the Claim in arbitration
as a class action, private attorney general action or other
representative action, nor may such Claim be pursued on
your or our behalf in any litigation in any court. Claims,
including assigned Claims, of two or more persons may not
be joined or consolidated in the same arbitration. However,
applicants, co-applicants, authorized users on a single
account and/or related accounts, or corporate affiliates are
here considered as one person.

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When is an arbitration award final? The arbitrator’s award 
is final and binding on the parties unless a party appeals it in
writing to the arbitration firm within fifteen days of notice of
the award. The appeal must request a new arbitration before 
a panel of three neutral arbitrators designated by the same
arbitration firm. The panel will consider all factual and legal
issues anew, follow the same rules that apply to a proceeding
using a single arbitrator, and make decisions based on the
vote of the majority. Costs will be allocated in the same way
they are allocated for arbitration before a single arbitrator. 
An award by a panel is final and binding on the parties after
fifteen days has passed. A final and binding award is subject
to judicial review and enforcement as provided by the FAA or
other applicable law.

Survival and Severability of Terms
This arbitration provision shall survive: (i) termination or
changes in the Agreement, the account, or the relationship
between you and us concerning the account; (ii) the bank-
ruptcy of any party; and (iii) any transfer, sale or assignment
of your account, or any amounts owed on your account, to
any other person or entity. If any portion of this arbitration
provision is deemed invalid or unenforceable, the entire
arbitration provision shall not remain in force. No portion 
of this arbitration provision may be amended, severed or
waived absent a written agreement between you and us.

Governing Law and Enforcing 
our Rights

Governing Law. Federal law and the law of South Dakota,
where we are located, govern the terms and enforcement of
this Agreement.

Enforcing this Agreement. We will not lose our rights under
this Agreement because we delay in enforcing them or fail to
enforce them.

Collection Costs. To the extent permitted by law, you are
liable to us for our legal costs if we refer collection of your
account to a lawyer who is not our salaried employee. These
costs may include reasonable attorneys’ fees. They may also
include costs and expenses of any legal action.

Assignment. We may assign any or all of our rights and
obligations under this Agreement to a third party.

For Further Information

Call us toll-free for further information. Call the toll-free
Customer Service telephone number shown on the billing
statement or on the back of your card. You can also call 
local or toll-free Directory Assistance to get our telephone
number.

Ken Stork
Vice President

Citibank, N.A.
P.O. Box 6000
Sioux Falls, SD 57117

Your Billing Rights: Keep this Document for Future Use
This notice tells you about your rights and our responsibil-
ities under the Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at
the address for billing inquiries and correspondence shown
on the front of your statement.

In your letter, give us the following information:

• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
• Description of problem: If you think there is an error on
your bill, describe what you believe is wrong and why
you believe it is a mistake.

You must contact us:

• Within 60 days after the error appeared on your

statement.

• At least 3 business days before an automated payment is
scheduled, if you want to stop payment on the amount
you think is wrong.

You must notify us of any potential errors in writing. You 
may call us, but if you do we are not required to investigate
any potential errors and you may have to pay the amount in
question.

What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:

1. 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 corrected the error.

2. Within 90 days of receiving your letter, we must either
correct the error or explain to you why we believe the
bill is correct.

While we investigate whether or not there has been 
an error:

• We cannot try to collect the amount in question, or

report you as delinquent on that amount.

• The charge in question may remain on your statement,
and we may continue to charge you interest on that
amount.

• While you do not have to pay the amount in question,
you are responsible for the remainder of your balance.

• We can apply any unpaid amount against your credit

limit.

After we finish our investigation, one of two things 
will happen:

• 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.

• If we do not believe there was a mistake: You will have
to pay the amount in question, along with applicable
interest and fees. We will send you a statement of the
amount you owe and the date payment is due. We may
then report you as delinquent if you do not pay the
amount we think you owe.

If you receive our explanation but still believe your bill is
wrong, you must write to us within 10 days telling us that 
you still refuse to pay. If you do so, we cannot report you 
as delinquent without also reporting that you are question-
ing your bill. We must tell you the name of anyone to 
whom we reported you as delinquent, and we must let 
those organizations know when the matter has been settled
between us.

If 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 correct.

13

14

15

202JRC-1013

Your Rights If You Are Dissatisfied With Your Credit
Card Purchases
If you are dissatisfied with the goods or services that you
have purchased with your credit card, and you have tried in
good faith to correct the problem with the merchant, you may
have the right not to pay the remaining amount due on the
purchase.

To use this right, all of the following must be true:

1. The purchase must have been made in your home state
or within 100 miles of your current mailing address, 
and the purchase price must have been more than $50.
(Note: Neither of these are necessary if your purchase
was based on an advertisement we mailed to you, or 
if we own the company that sold you the goods or
services.)

2. You must have used your credit card for the purchase.
Purchases made with cash advances from an ATM or
with a check that accesses your credit card account do
not qualify.

3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied
with the purchase, contact us in writing at the address for
billing inquiries and correspondence shown on the front of
your statement.

While we investigate, the same rules apply to the disputed
amount as discussed above. After we finish our investigation,
we 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 delinquent.

© 2013 Citibank, N.A.
202JRC-1013

10/13

16

76 

 Pricing Information Table 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

28.99%  

This APR will vary with the market based on the Prime Rate. 

11.99% for select purchases eligible for the 18, 24 or 36 month major purchase 
plans.*  

Paying Interest 

Your due date is at least 25 days after the close of each billing cycle.  We will not 
charge you any interest on purchases if you pay your entire balance by the due date 
each month.  We will begin charging interest on cash advances and balance transfers 
on the transaction date. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $2. 

How We Calculate Your 
Balance  

Daily Balance 

Fees 

Annual Fee 

Penalty Fees 

  Late Payment 

  Returned Payment 

None 

Up to $35 

Up to $35 

 
 
 
 
 
 
 
 
 
 
 
 
 
76 

Details About Your Interest Rates and  

Daily Periodic Rate 

For variable rates: 
U.S. Prime Rate Plus 

Interest Calculations 

Purchases   

0.07942% 

25.74% 

APRs Based on Prime.  If any APR is based on the U.S. Prime Rate (“Prime Rate”), the APR will equal the Prime 
Rate plus the additional amount shown above.  If the Prime Rate increases, it will cause the APR to increase.  If the 
Prime Rate decreases, it will cause the APR to decrease.  For each billing cycle we use the Prime Rate published in 
The Wall Street Journal two business days before the Statement Closing Date.   If the Prime Rate changes any APR, 
we put the new 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 existing balances, subject to any promotional rate that may apply.  If The Wall Street Journal does 
not publish the Prime Rate, we will use a similar published rate. 

Effect of APR Increases.   If an APR increases, interest charges increase.  Your minimum payment may increase as 
well.  

Daily Balance.  We calculate the daily balance for each of your different balances.  To get a daily balance, we take 
the balance at the end of the previous day, add the interest on the previous day’s balance and new charges, and 
subtract new credits or payments.  We figure the interest charge by multiplying the daily balance by its daily periodic 
rate each day in the billing cycle.  We then add up all the daily interest charges and the total is the interest charge for 
the billing cycle. 

*The store sales associate or store website will identify which purchases are eligible for these major 
purchase plans.