CARD AGREEMENT

This Card Agreement is your contract with us. It governs the use of your card and account. The Supplemental Pricing 
Information (“Supplement”) is part of this Agreement. Please read this Agreement, including the Supplement, carefully. 
Keep them for your records.

Definitions

account means the relationship established between you and us by this Agreement.
A P R 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. Each authorized user is your agent and may use, 
manage, and receive information about the account to the same extent as you, subject to any limitations we may impose. 
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 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 will be sent to you with your credit card. 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 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. 

Balance Transfers. Balance transfers are an account feature that we make available to you through offers. The offer will 
describe the terms. All balance transfers are subject to the regular purchases A P R unless a promotional rate applies.

Checks. We may provide you with convenience checks. When we do, we will tell you in writing whether they may be 
used for balance transfer transactions or cash advance transactions. If we tell you they may be used for balance transfer 
transactions, any use will be a balance transfer transaction. You may use them to transfer a balance to your account or 
make other transactions. If we tell you they may be used for cash advance transactions, any use will be a cash advance 
transaction even if you use the check to make a payment to another creditor. You may not use 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 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, balance transfers 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 Minimum 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 uncollectible or start collection proceedings; but we may continue to add 
interest and fees as permitted by law. 

A P Rs 
Variable A P Rs Based on Prime. If any A P R is based on the U.S. Prime Rate (“Prime Rate”), the A P R will equal the Prime 
Rate plus an additional amount. If the Prime Rate increases, it will cause the A P R to increase. If the Prime Rate decreases, 
it will cause the A P R 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 A P R to change, we put the new A P R into 
effect as of the first day of the billing cycle for which we calculate the A P R. We apply the new A P R 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 and Balance Transfer A P R. See the Supplement.

Cash Advance A P R. See the Supplement. 

Effect of A P R Increases. If an A P R 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.

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 A P R 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 A P Rs 
Interest Charges. We impose interest charges when we apply A P Rs to your account balances. We do this every day by 
using a daily periodic rate. To get a daily periodic rate, we divide the A P R 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, balance transfers, 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 balance transfers and 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 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 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 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, Old Balances, 
regular cash advances, and different promotional balances. (When we calculate interest charges, we treat each 
deferred interest transaction separately even if it has the same terms as another deferred interest transaction and we 

treat balance transfers as regular purchases unless a promotional rate applies.) 

•  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, balance transfer, or cash advance as of the Transaction Date. (The 
Transaction Date for a balance transfer or cash advance is the date we get a request to complete a transaction. When 
you send a 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 
generally add other fees, including credit protection fees and insurance charges, to the regular purchase balance. We add 
any remaining balance from a balance transfer at a promotional A P R to the regular purchase balance. We do this on the 
day after the promotional period expires. 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
Transaction Fee for Cash Advances. You take a cash advance if you use a cash advance convenience check; get money 
through an automated teller machine (A T M); 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 $5.

Transaction Fee for Balance Transfers. You make a balance transfer if you use a balance transfer convenience check 
or contact us to transfer a balance. For each balance transfer we add a transaction fee of 5% of the amount of the balance 
transfer, but not less than $10. This fee is in addition to any periodic fee that may be imposed with a promotional offer.

Transaction Fee for Purchases in Foreign Currency. We charge you a fee of 3% of the U.S. dollar amount of  
each purchase made in a currency other than U.S. dollars, regardless of where the transaction takes place or who the 
merchant is. 

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 (less the Amount Over Credit Limit shown on 
your billing statement) by the payment due date. The fee will be $29; or $40 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. 

Information on Foreign Currency Conversion 
Our network provider is Mastercard. Mastercard converts transactions in foreign currencies into U.S. dollars. Mastercard 
follows its own procedures to do so. These may change from time to time without notice. Currently, Mastercard 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. A third party may convert a transaction into U.S. dollars or another currency 
before sending it to Mastercard. In these cases, the third party selects the conversion rate. 
If you take a cash advance in a foreign currency at a branch or A T M of one of our affiliates, an affiliate of ours may convert 
it into U.S. dollars. This applies regardless of which network provider’s card you use to take the cash advance. 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.

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 or post date for the transaction. 

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. 

We calculate the Minimum Payment Due as follows. We begin with any past due amount. We add the amount due on 
each major purchase plan balance. We add any amount in excess of your credit limit. We add any amount specified 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 $29;

•  $29 if the Calculated New Balance is at least $29;

•  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; or 

•  1.5% of the Calculated New Balance (the result is rounded up to the nearest dollar). 

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. (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, since the last time that balance was zero. The balance is zero at account opening. 

The Repayment Percentage for each major purchase plan is as follows:

•  24 month major purchase plan with an A P R of 6.99%: 4.4768%.

•  36 month major purchase plan with an A P R of 0%: 2.7778%.

•  36 month major purchase plan with an A P R of 7.99%: 3.1332%.

•  48 month major purchase plan with an A P R of 0%: 2.0833%.

•  48 month major purchase plan with an A P R of 9.99%: 2.5358%.

•  60 month major purchase plan with an A P R of 0%: 1.6667%.

•  60 month major purchase plan with an A P R of 7.99%: 2.0272%.

•  72 month major purchase plan with an A P R of 0%: 1.3889%.

•  84 month major purchase plan with an A P R of 0%: 1.1905%.

•  96 month major purchase plan with an A P R of 7.99%: 1.4132%.

•  120 month major purchase plan with an A P R of 7.99%: 1.2127%.

If you have a deferred interest transaction balance subject to the Promotion Calculation, the Promotion Calculation will equal 
1% of this balance during the promotion period. (The result is rounded up to the nearest cent.) After the promotion period, 
any such remaining promotional balance will be included in the Calculated New Balance. The Promotion Calculation will 
apply if, based on the amount of the transaction as shown on the first statement that displays the transaction and the dollar 
amount in the Minimum Payment Due calculation in effect at the time of the transaction, we determined that paying such 
dollar amount each billing cycle would result in repayment of the promotional balance before the end of the promotion period. 
For deferred interest transactions made at Transform SR Holdings L L C entities and its participating affiliates, subsidiaries 
and licensees, excluding Kmart stores, if a protection agreement is part of the deferred interest transaction, the protection 
agreement is treated as a separate transaction for purposes of evaluating whether the Promotion Calculation applies. 
Multiple protection agreements that are part of one deferred interest transaction are treated as one separate transaction.

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 A P R balances first. However, excess 
payments received before a deferred interest promotion expires are applied to the deferred interest promotional 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 promotion 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 authorize 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 A P R balances first and to balances with longer promotional periods first.

Payment Instructions. We credit your payments in accordance 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.

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 information 
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 reinstating the 
preauthorized charges if you wish to do so and we permit it. 

Lost or Stolen Cards, Account Numbers, or 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 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.

Protections for Active Duty Service Members and Their Dependents
Protections. Federal law provides important protections to members of the Armed Forces and their dependents relating 
to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her 
dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit 
transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection 
with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or 
accounts); and any participation fee charged (other than certain participation fees for a credit card account). You are entitled 
to these protections if you are a Covered Borrower, as defined below. 

Covered Borrower. You are a Covered Borrower if, in connection with the opening of your account, we determine you are 
an active duty member of the Armed Forces (including active Guard and Reserve duty) or a dependent of an active duty 
member. You will cease to be a Covered Borrower if we determine you are no longer an active duty member of the Armed 
Forces (including active Guard and Reserve duty) or a dependent of an active duty member. 

Oral Disclosures. If you are a Covered Borrower, you may obtain information related to your account, including information 
about these protections and your payment obligation, by calling 1-877-625-6379. 

Arbitration. The section of the Card Agreement entitled “ARBITRATION” does not apply if you are a Covered 
Borrower at the time your account is opened.

PLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY.

ARBITRATION 

THIS SECTION PROVIDES THAT DISPUTES MAY BE RESOLVED BY BINDING ARBITRATION. ARBITRATION 
REPLACES THE RIGHT TO GO TO COURT, HAVE A JURY TRIAL OR INITIATE OR PARTICIPATE IN A CLASS 
ACTION.  IN  ARBITRATION,  DISPUTES  ARE  RESOLVED  BY  AN  ARBITRATOR,  NOT  A  JUDGE  OR  JURY. 
ARBITRATION  PROCEDURES  ARE  SIMPLER  AND  MORE  LIMITED  THAN  IN  COURT.  THIS  ARBITRATION 
PROVISION IS GOVERNED BY THE FEDERAL ARBITRATION ACT (F A A), AND SHALL BE INTERPRETED IN THE 
BROADEST WAY THE LAW WILL ALLOW.

Covered claims 
•  You or we may arbitrate any claim, dispute or controversy between you and us arising out of or related to your account, 

a previous related account or our relationship (called “Claims”).

•  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 trial on that Claim. 

Except as stated below, all Claims are subject to arbitration, no matter what legal theory they’re based on or what remedy 
(damages, or injunctive or declaratory relief) they seek, including 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; Claims made regarding past, present, or 
future conduct; and Claims made independently or with other claims. This also includes Claims made by or against anyone 
connected with us or you or claiming through us or you, or by someone making a claim through us or you, such as a co-
applicant, authorized user, employee, agent, representative or an affiliated/parent/subsidiary company.

Arbitration limits
•  Individual Claims filed in a small claims court are not subject to arbitration, as long as the matter stays in small claims court. 

•  We won’t initiate arbitration to collect a debt from you unless you choose to arbitrate or assert a Claim against us. If you 
assert a Claim against us, we can choose to arbitrate, including actions to collect a debt from you. You may arbitrate on 
an individual basis Claims brought against you, including Claims to collect a debt.

•  Claims brought as part of a class action, private attorney general or other representative action can be arbitrated only on 
an individual basis. The arbitrator has no authority to arbitrate any claim on a class or representative basis and may award 
relief only on an individual basis. If arbitration is chosen by any party, neither you nor we may pursue a Claim as part of 

a class action or other representative action. Claims of 2 or more persons may not be combined 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.

How arbitration works
•  Arbitration shall be conducted by the American Arbitration Association (“A A A”) according to this arbitration provision and 
the applicable A A A arbitration rules in effect when the claim is filed (“A A A Rules”), except where those rules conflict with 
this arbitration provision. You can obtain copies of the A A A Rules at the A A A’s website (w w w . a d r . org) or by calling 800-
778-7879. You or we may choose to have a hearing, appear at any hearing by phone or other electronic means, and/or 
be represented by counsel. Any in-person hearing will be held in the same city as the U.S. District Court closest to your 
billing address.

•  Arbitration may be requested any time, even where there is a pending lawsuit, unless a trial has begun or a final judgment 
entered. Neither you nor we waive the right to arbitrate by filing or serving a complaint, answer, counterclaim, motion, or 
discovery in a court lawsuit. To choose arbitration, a party may file a motion to compel arbitration in a pending matter and/
or commence arbitration by submitting the required A A A forms and requisite filing fees to the A A A.

•  The arbitration shall be conducted by a single arbitrator in accord with this arbitration provision and the A A A Rules, 
which may limit discovery. The arbitrator shall not apply any federal or state rules of civil procedure for discovery, but the 
arbitrator shall honor claims of privilege recognized at law and shall take reasonable steps to protect account information 
and other confidential information of either party if requested to do so. The arbitrator shall apply applicable substantive law 
consistent with the F A A and applicable statute of limitations, and may award damages or other relief under applicable law.

•  The arbitrator shall make any award in writing and, if requested by you or us, may provide a brief statement of the reasons 
for the award. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and 
shall not have any bearing on any other person or dispute.

Paying for arbitration fees 
•  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 
collection. Otherwise, arbitration fees will be allocated according to the applicable A A A Rules. If we prevail, we may not 
recover our arbitration fees, unless the arbitrator decides your Claim was frivolous. All parties are responsible for their 
own attorney’s fees, expert fees and any other expenses, unless the arbitrator awards such fees or expenses to you or 
us based on applicable law.

The final award 
•  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. 
The arbitration appeal shall be determined by a panel of 3 arbitrators. The panel will consider all facts and legal issues 
anew based on the same evidence presented in the prior arbitration, and will make decisions based on a majority vote. 
Arbitration fees for the arbitration appeal shall be allocated according to the applicable A A A Rules. An award by a panel 
on appeal is final. A final award is subject to judicial review as provided by applicable law.

Survival and Severability of Terms 
This arbitration provision shall survive changes in this Agreement and termination of the account or the relationship between 
you and us, including the bankruptcy of any party and any sale of your account, or amounts owed on your account, to 
another person or entity. If any part of this arbitration provision is deemed invalid or unenforceable, the other terms shall 
remain in force, except that there can be no arbitration of a class or representative Claim. This arbitration provision may 
not be amended, severed or waived, except as provided in this Agreement or in a written agreement between you and us. 

Rules for rejecting this arbitration provision
You may reject this arbitration provision by sending a written rejection notice to us at: P.O. Box 6145, Sioux Falls, SD 57117. 
Your rejection notice must be mailed within 45 days of account opening. Your rejection notice must state that you reject 
the arbitration provision and include your name, address, account number and personal signature. No one else may sign 
the rejection notice. Your rejection notice will not apply to the arbitration provision(s) governing any other account(s) that 
you have or had with us. Rejection of this arbitration provision won’t affect your other rights or responsibilities under this 
Agreement, including use of the account.

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.

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

Your Billing Rights:
Keep this Document for Future Use 

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.

When we receive your letter, we must do two things: 

What Will Happen After We Receive Your Letter

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 questioning 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.

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 A T M 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.

© 2020 Citibank, N.A. 

Mastercard® is a registered trademark, and the circles design is a trademark design of Mastercard International Incorporated.

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