202ZS5-0811

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 bal-
ance 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-appli-
cant fails to pay as ordered by the court. Your account 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 will notify you separately what part
of your credit limit is available for cash advances. That part 
is called the cash advance limit. We may reduce or increase
your credit limit or cash advance limit at any time for any rea-
son, 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.
Checks. We may provide you with cash convenience checks.
You may use them to get a cash advance. Use of a cash
convenience check will be a cash advance even if you use 
the check to make a payment to another creditor. You may
not use cash convenience checks to pay an amount owed to
us under this Agreement or to pay another account with us 
or an affiliate. We do not certify these checks or return any
checks that have been paid.
Billing Statement. Your billing statement shows the New
Balance. This is the total amount you owe us on the State-
ment Closing Date. To determine the New Balance, we begin
with the total balance at the start of the billing cycle. We add
any purchases or cash advances. 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 Min-
imum Payment Due and payment due date; your credit limit
and cash advance 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 uncol-
lectible 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 regular purchases APR. It equals 
the Prime Rate plus 25.74%. As of August 1, 2011, this Annual
Percentage Rate is 28.99%. This APR equals a daily periodic
rate of 0.07942%.
Cash Advance APR. There is a regular cash advance APR. 
It equals the Prime Rate plus 26.70%. As of August 1, 2011,
this Annual Percentage Rate is 29.95%. This APR equals a 
daily periodic rate of 0.08205%.
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
balances. Any promotional terms may apply for a limited
period of time. They will be governed by the terms of the
promotional offer and this Agreement. Your promotional
terms will end when the promotional period expires or, to 
the extent permitted by law, if you make a late payment. 
The promotional offer will tell you if we require a separate
minimum payment on the promotional balance.
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 and
cash advances. They also include 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, but not on cash advances. 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

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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.
If you have a balance subject to a deferred interest promo-
tion or a 0% 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 ex-
cluded 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 Balance (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, regu-
lar cash advances, 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 bal-
ance 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 or cash
advance as of the Transaction Date. (The Transaction Date for
a cash advance is the date we get a request to complete a
cash convenience check. When you send a cash convenience
check directly to someone, the Transaction Date is the date
we receive the check for payment. The Transaction Date is on
the billing statement.) We add a transaction fee to the same
balance as the transaction. 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 dif-
ferent 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

Transaction Fee for Cash Advances. You take a cash
advance if you use a cash convenience check; get money
through an automated teller machine (ATM); or get money
through home banking or a financial institution. You also take
a cash advance if you make a wire transfer; buy a money
order, traveler’s check, lottery ticket, casino chip, or similar
item; or engage in a similar transaction. For each cash
advance we add a transaction fee of 5% of the amount of 
the cash advance, but not less than $10.
Transaction Fee for Promotions. For each purchase made
under a 12 Months No Monthly Interest promotion, 18 Months
No Monthly Interest promotion or 24 Months No Monthly
Interest promotion we add a transaction fee of $9.95.
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 electronic

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 resubmis-
sion. The fee will be $25; or $35 for any additional returned
payment during the same or next six billing cycles after a re-
turned payment. However, the fee will not exceed the amount
permitted by law. We add this fee to the regular purchase
balance.
Returned Cash Convenience Check Fee. We may add a
returned cash convenience check fee for a returned cash con-
venience check. A returned cash convenience check is any
cash convenience check we do not honor. We may not honor
these checks if the amount of the check would cause the
balance to go over the cash advance limit or credit limit. We
also may not honor these checks if you default; if you did 
not comply with our instructions regarding the check; if your
account has been closed; or for other reasons. The fee will be
$25; or $35 for any returned cash convenience check during
the same or next six billing cycles after a returned cash con-
venience check. However, the fee will not exceed the amount
permitted by law. We add this fee to the regular cash advance
balance.
Stop Payment on Cash Convenience Check Fee. We add a
$39 fee if we honor your request to stop payment on a cash
convenience check. Write us at P.O. Box 653054, Dallas TX
75265, to stop payment on a cash convenience check. You
can also call the Customer Service number on the billing
statement. If you call, you must confirm the call in writing
within 14 days. A written stop payment order is good for 
6 months unless renewed in writing. We add this fee to the
regular cash advance balance.
Information on Foreign Currency Conversion
If you take a cash advance in a foreign currency at a branch
or ATM of one of our affiliates, an affiliate of ours will convert
it into U.S. dollars. Our affiliate currently uses a conversion
rate in effect on its processing date. It uses a government-
mandated rate if required to do so. If not, it uses a mid-point
market rate. Our affiliate’s procedure may change from time
to time without notice. If you take a cash advance in a foreign
currency anywhere else, MasterCard will convert it into U.S.
dollars. MasterCard follows its own operating regulations 
or procedures. MasterCard currently uses a conversion rate
in effect one day before its transaction processing date. It
uses a government-mandated rate if required to do so. If 
not, it uses a wholesale market rate. The procedures may
change from time to time without notice. The conversion 
rate you get is the one used on the transaction’s processing
date. This may be different from the one in effect on the
Transaction Date.

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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 spec-
ified 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 mini-
mum 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 36 month major
purchase plan is 3.3210%.
The Promotion Calculation applies to some deferred interest
or 0% APR transactions made on or after February 1, 2012.
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
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 Mini-
mum 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 Pay-
ment Due and credits are applied at our discretion and you
authorize us to apply payments and credits in a way that is
most favorable or convenient for us. This may include apply-
ing 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, without 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 account 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 state-
ment. 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
information sharing practices.

Changes to this Agreement

We may change the rates, fees, and terms of this Agree-
ment 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 permit-
ted 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

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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 reinstating the
preauthorized charges if you wish to do so and we permit it.
Lost or Stolen Cards, Account Numbers, or Cash
Convenience Checks. You must call us if any card, account
number, or check is lost or stolen. You must also call us if
you think someone used or may use them without permis-
sion. When you call, we may require you to provide informa-
tion 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 PAR-
TICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING.
IN ARBITRATION, A DISPUTE IS RESOLVED BY AN ARBI-
TRATOR INSTEAD OF A JUDGE OR JURY. ARBITRATION
PROCEDURES ARE SIMPLER AND MORE LIMITED THAN
COURT PROCEDURES.
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 arbitration, 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 repre-
sentative action are subject to arbitration on an individual
(non-class, non-representative) basis, and the arbitrator 
may award relief only on an individual (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 employ-
ee, 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 com-
pel 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 rea-
sonable 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 obliga-
tions 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
resolution 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 

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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, apply-
ing 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 indi-
vidual (non-class, non-representative) basis. The arbitrator
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.
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

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 responsi-
bilities 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.

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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 questioning
your bill. We must tell you the name of anyone to whom we
reported you as delinquent, and we must let those organiza-
tions 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.
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.

© 2011 Citibank, N.A.
202ZS5-0811

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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. 

APR for Cash Advances 

29.95% 

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

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 

None 

Transaction Fees 

•  Cash Advance 

•  Promotions Fee 

Either $10 or 5% of the amount of each cash advance, whichever is greater. 

$9.95 for each purchase made under a 12 Months No Monthly Interest promotion, 18 
Months No Monthly Interest promotion or 24 Months No Monthly Interest promotion. 

Penalty Fees 

•  Late Payment 

•  Returned Payment 

Up to $35 

Up to $35 

 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
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Details About Your Interest Rates and  

Daily Periodic Rate 

For variable rates: 
U.S. Prime Rate Plus 

Interest Calculations 

Purchases   

Cash Advances 

0.07942% 

0.08205% 

25.74% 

26.70% 

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.