Citibank Card Agreement April 2013 version citibankCard Agreement This Card Agreement is your contract with us. It governs the use of your card and account. The Pricing Information Table is part of this Agreement. Please read this Agreement, including the Pricing Information Table, carefully. Keep them for your records. Definitions account means the relationship established between you and us by this Agreement. APR means an annual percentage rate. card means one or more cards or other access devices that we give you to get credit under this Agreement. This includes account numbers. CcitiPhone means 1-671-477-CITl (2484) (if you are dialing from Guam or anywhere outside of U.S. Mainland) or 1-866-688-2484 (if you are dialing from U.S. Mainland). we, us, and our mean Citibank, N.A,, the issuer of your account. 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 a maximum of four (4) authorized users. If a supplementary card fee will be charged for each additional card, the Pricing Information Table shows it. 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. Credit Limit. The full amount of your credit limit is available to use where the card is honored. Part of your credit limit is called the cash advance limit. It is available for cash advances. 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. lf 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 Transfer. Balance transfers aré an account feature that we make available to you through offers. If there is an offer available at account opening, the Pricing Information Table will describe the terms of that offer. If we make an offer after your account is opened, the offer will describe the terms. All balance transfers are subject to the standard purchase APR unless a promotional rate applies. Billing Statement. 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 Account APRs. For the APRs on your account, see the Pricing Information Table. Promotions. We may offer promotions from time to time. They will be governed by the terms of the offer and this Agreement. 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 2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. How to avoid paying interest. You can avoid interest charges on purchases and balance transfers, but not on cash advances. This is called a grace period. The grace period is at least 21 days. You get a grace period on purchases and balance transfers if you pay the new balance shown on your statement by the due date every billing period. If you do not pay the new balance by the due date, then you pay the new balance on the next statement in full by the due date: * You will get a grace period in the following billing period: and * We will not charge interest on purchases or balance transfers from the date of your payment to the last day of the billing period in which you made the payment. But we will charge interest on purchases and balance transfers from the beginning of that billing period until the date of your payment. If you have a balance subject to a PayLite promotion or an Easy Cash installment promotion and that promotion does not expire before the payment due date, that balance is excluded from the amount you must pay in full to get a grace period on purchases and balance transfers. However, you must still pay any separately required payment on that balance. Calculation of Interest Charges—Daily Balance Method (Including Current Transactions). We calculate interest charges each billing period. To do this: « We start with each of your different balances, These balances include, for example, standard purchases, standard cash advances, and different promotional balances. (When we calculate interest charges, we treat balance transfers as standard purchases unless 4 promotional rate applies.) We exclude Easy Cash installment balances. * 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 new charges. We then subtract any new credits or payments. 3 * We multiply each daily balance by the daily periodic rate that applies to it. We do this for each day in the billing period. This gives us the daily interest charges for each of your different balances. * We add up all the daily interest charges (the result is rounded up to the nearest cent). The sum is the total interest charge for the billing period. * The interest charge is included in the daily balance on the first day of the next billing cycle. This means that interest is compounded monthly. * When we calculate daily balances, we add a purchase, balance transfer or cash advance as of the Transaction Date on the billing statement. We add a transaction fee to the same balance as the transaction. We generally add other fees to the standard purchase balance. 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, We calculate interest on Easy Cash installment balances as described in the offer. 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 period. A billing period begins on the day after the Statement Closing Date of the previous billing period. It includes the Statement Closing Date of the current billing period, Fees Annual Membership Fee. If an annual membership fee applies, the Pricing Information Table shows it, We will refund this fee if you notify us that you are closing your account within 30 days of the mailing or delivery date of the statement on which the fee appears. The fee is otherwise non-refundable. Supplementary Card Fee. The supplementary card fee is an annual fee charged for each card issued to an authorized user. lf a supplementary card fee applies, the Pricing Information Table shows it. We will refund this fee if you notify us that you are closing your account within 30 days of the mailing or delivery date of the statement on which the fee appears. The fee is otherwise non-refundable.Transaction Fee for Cash Advances. The Pricing Information Table shows the amount of this fee. We add this fee for each cash advance. You take a cash advance if you get money through an automated teller machine (ATM); or get money through 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. Transaction Fee for Foreign Purchases. The Pricing Information Table shows the amount of this fee, which is a percentage of the U.S. dollar amount of the purchase made in foreign currency. We add this fee for each purchase that is not denominated in U.S. dollars. Information on Foreign Currency Conversion Our network provider is Visa, Visa converts transactions in foreign currencies into U.S. dollars. It follows its own procedures. Its current procedures are described below. The procedures may change from time to time without natice, Visa uses a conversion rate in effect on its applicable central processing date. It uses a government-mandated rate if required to do so. If not, it selects from the range of rates available in wholesale currency markets. The selected rate may vary from the rate Visa receives. A third party may convert a transaction into U.S. dollars or another currency before sending it to our network provider. In these cases, the third party selects the conversion rate, 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. 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’'s Transaction Date or Post Date, Payments Minimum Payment Due. You may pay all or part of your account balance at any time. You must pay at least the E] minimum payment due by the payment due date each month. Your minimum payment due equals: 1. The amount past due; plus 2. The amount over your credit limit; plus 3. The amount due on any PayLite or Easy Cash installment plan balance; plus 4. The greater of: * the new balance on the billing statement if it is less than $30; - 530 if the new balance on the billing statement is at least 530; or = 3% of the new balance. (For the bullets above, the new balance excludes any PayLite or Easy Cash installment balance.) We may round amounts up to the nearest dollar, The amount due on a PayLite or Easy Cash installment plan balance is a fixed amount. For PayLite plans, the amount due equals the transaction amount divided by the number of months in the offer. The result is rounded down to the nearest cent. Because of this rounding, the sum of all of the amounts due on the plan may be less than the transaction amount. Any additional amount necessary to repay the entire transaction amount is added to the first amount due. Thus, the first amount due may be higher. For Easy Cash installment plans, the amount due was disclosed in the offer. This amount may also be rounded down to the nearest cent, which may make either the first or last amount due higher. 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 balances with higher APRs before balances with lower APRs. 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 $0, 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 6other restrictive endorsements, without losing our rights. We do not accept payments in foreign currency. 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. lf 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; 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 default under any other card agreement that you have with us. If you default, we may close your account and, to the extent permitted by law, demand immediate payment of the total balance. If you gave us a security interest in a Citibank savings account, time deposit or other deposit account, we may use the funds from that Citibank savings account, time deposit or other deposit account to pay any amount you owe, T 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. lf 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. Not Contactable. If we are unable to contact you at your telephone nurnbers or mailing address on our record, we reserve the right to suspend your account privileges until we are able to contact you. Lost or Stolen Cards and 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. Closing Secured Accounts. If your account is a secured account, you gave us a security interest in a designated Citibank savings account, time deposit or other deposit account. This secures repayment of your secured account. If you withdraw funds from the designated Citibank savings account, time deposit or other deposit account, we may close your secured account. aGoverning Law and Enforcing our Rights Governing Law. Federal law and the law of Guam govern the terms and enforcement of this Agreement. We reserve the right to use the courts of any country where we can establish jurisdiction; and, without limiting the generality of any of the foregoing, you hereby irrevocably submit to the jurisdiction of any Guam territorial or Federal Court in any action or proceeding arising out of or related to your account. Enforcing this Agreement. We wil! 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: You can call our 24-Hour CitiPhone at (671) 477- 2484 (if you are dialing from Guam or anywhere outside of U.S. Mainland) or toll free 1-866-688-2484 (if you are dialing fram U.S. Mainland). Branch Address: 402 East Marine Corps Drive, Hagatna, Guam 96910 Mailing Address: P.O. Box FF Hagatna, Guam 96932 Website: wwiw.citibank.com.qu [Continued on page 10.] Rewards Program Terms and Conditions (for Rewards, Platinum Rewards, and Cash Secured Rewards Cards) Available Rewards means goods and/or services that may be claimed using Rewards Points. Citibank Rewards means the rewards program as described in this Agreement. Primary Applicant means the person that applied to open the Program Card account. Program Card means a Citibank Rewards Card, Platinum Rewards Card or Cash Secured Rewards Card. Rewards Points means the points that accumulate based on eligible purchases made using a Program Card and that can be redeemed for Available Rewards. The following terms and conditions apply to Citibank Rewards. We may change these terms and conditions at any time. Accumulation of Rewards Points. One (1) Rewards Point is awarded for each $1 of eligible purchases charged to your Program Card. We reserve the right to limit the number of Rewards Points earned per month and per year. Purchases that are eligible for Rewards Points include: airline, hotel, car rental, gas station, retail store, and mail-order purchases. Purchases in excess of your credit limit are not eligible for Rewards Points. Other charges not eligible for Rewards Points include, but are not limited to: designated promotional purchases, traveler's check or casino chip purchases, cash advances, balance transfers, fees, interest charges, and unauthorized charges. We may make any transaction ineligible for Rewards Points at any time at our discretion. Our decision as to what constitutes an eligible purchase shall be final and conclusive. Rewards Points accrue in the Primary Cardholder's name only, but are earned through transactions made by authorized users as well. Unless we hear from you twenty (20) days upon receipt of your billing statement, the Rewards Points shown on the statement will be deemed correct. 1Rewards Points may not be assigned, transferred or pledged to any third party. You have no property rights or other legal interests in Rewards Points. We reserve the right to adjust your Rewards Points balance if we determine that Rewards Points were awarded erroneously. Duration and Loss of Rewards Points. Rewards Points are valid from the date they are credited to your Program Card account until your account is closed. lf your Program Card account is closed by you or by us for any reason, you will forfeit any remaining Rewards Points balance. We reserve the right to suspend or exclude you from participating or continuing to participate in Citibank Rewards, cancel Rewards Points accrued to your account and take other action if: a. You default under this Agreement or you or an authorized user breaches any term of this Agreement, including failing to pay your minimum payment due by the due date; b. A Program Card is used for any purpose other than for personal use; c. A Program Card account is over its credit limit; or d. If you account shows signs of fraud, abuse or suspicious activity. lf you have conducted any fraudulent activity, we have the right to take any necessary legal action and may have grounds to confiscate any rewards redeemed as a result of such activity. In addition, you may be liable for monetary losses to us, including litigation costs and damages, and you may not be allowed to participate in Citibank Rewards in the future. If you have been awarded Rewards Points in error or if you believe your account has been the subject of any suspicious activity, please call CitiPhone immediately, Available Rewards. We determine at our sole discretion the Available Rewards and the conditions for redeeming rewards, including the number of Rewards Points required for each Available Reward. We will notify you of Available Rewards from time to time. Ti Available Rewards may include frequent flyer miles, hotel privileges, travel certificates, merchandise vouchers, and gas certificates. These Rewards may be subject to additional terms and conditions prescribed by the issuer or supplier. You may be able to transfer Rewards Points to mileage points in partner airline or certain hotel programs. To do so you must be enrolled in the relevant partnership program. Available Rewards offered and the Rewards Point levels required for specific rewards are subject to change without notice. All reward items are subject to availability and suppliers’ restrictions. Rewards Points Redemption. You can redeem Rewards Points by calling 24-hour CitiPhone or as otherwise instructed by us. Redemption requests cannot be revoked or cancelled. lf applicable, redeemed rewards will be dispatched by mail or courier to the last known billing address, Please allow at least two (2) weeks for processing and delivery. Rewards once redeemed are generally not exchangeable, refundable, or redeemable for cash or credit. However, if a reward is defective or damaged upon delivery, you may request an exchange for the same reward within forty-eight (48) hours of receipt by calling CitiPhone. Conditions and exceptions apply. All rewards are void where prohibited by applicable federal, state or local laws or regulations and are subject to change as may be necessary to comply with such laws or regulations. You release us, our affiliates and any merchants and suppliers participating in Citibank Rewards from all liability regarding the redemption and use of Rewards Points, including any rewards that, after receipt, may be lost, stolen or destroyed. Conditions on Redeeming Rewards. Citibank Rewards Points may only be redeemed when a Program Card account is open (this means not closed, not cancelled or terminated either by you or us) and is in good standing. Only the Primary Cardholder can redeem Rewards Points. Authorized users cannot redeem Rewards Points.Available Rewards may have a specified time period for redemption. All requests for redemption of these rewards must be received before the redemption period expiry date. To redeem Rewards Points, you must not be in default or otherwise be in violation of any term of this Agreement. If your Program Card account is delinquent or you are otherwise in default under this Agreement, you will not be eligible to redeem Rewards Points. We may reinstate your eligibility for redemption once the account returns to good standing, but are under no obligation to do so. Disclaimers. We take reasonable care to ensure that information we publish in relation to Citibank Rewards is accurate but do not accept any liability relating to information provided by third parties. All descriptions of Available Rewards are based on information provided by third party suppliers. The rights, if any, which you may have in connection with an Available Reward are solely the responsibility and liability of the supplier of the reward. Neither we nor our external fulfillment agency accepts any liability whatsoever (including negligence) with respect to: a. Reward supplied and/or installed: b. Any death or injury or consequential loss or damage arising from the supply or use of a reward; c. The loss, theft or destruction of a reward: or d. Any supplier refusal to accept a rewards certificate. Any travel-related reward includes only those features described in materials provided by us. Any applicable travel charges are your responsibility. No Warranties. We give no warranty (whether express or implied) whatsoever with respect to any aspect of Citibank Rewards. In particular, we give no warranty with respect to the quality of rewards, ownership of intellectual property rights subsiding in the products or their suitability for any purpose. Certain Available Rewards are covered by a manufacturer warranty, Should a reward require service, please direct your inquiry to the manufacturer according to its warranty information. 13 Taxation. Your participation in Citibank Rewards may result in your receipt of taxable income from Citibank in the tax year in which the Rewards Points are redeemed. In accordance with U.S. tax law, Citibank may be required to send to you and file with the IRS a Form 1099-MISC (Miscellaneous Income) for the year in which a reward is issued to you. The valuation of Rewards Points redemptions for Form 1099-MISC tax reporting purposes will be at Citibank's sole discretion. You are solely responsible for any personal tax liability arising out of the redemption of Rewards Points. Please consult with your tax advisor if you should have any questions regarding your personal tax situation. Termination or Suspension of Citibank Rewards. We may at any time at our discretion suspend or terminate Citibank Rewards by giving written notice to you. lf we terminate Citibank Rewards, we will specify the period after that termination point within which you can redeem any outstanding Rewards Points. At the end of that period, remaining Rewards Points will be null and void. No Rewards Points or other benefit will accrue from Program Card charges made after the termination of Citibank Rewards or during any period of suspension of Citibank Rewards. Changes to Citibank Rewards Terms and Conditions. We reserve the right to change the Citibank Rewards terms and conditions at any time. Any notice under this Agreement will be deemed to have been given by us if mailed to your last known billing address or given at a branch office. Third Parties. We shall be entitled to have an agent or contractor carry out all or part of Citibank Rewards on our behalf. You hereby consent to us supplying any such agent or contractor with information about you or your Program Card account as required for them to perform their duties. Your Billing Rights: Keep This Document for Future Use This notice tells you about your rights and our responsibilities 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: Attention: Customer Service Support Unit P.O. Box FF Hagatna, Guam 96932 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: lf 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: * /f we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that ammount. « /fwedo 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. lf 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 lf 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.) 16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: Citibank Attention: Customer Service Support Unit P.O. Box FF Hagatna, Guam 96932 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. citibank For more information, call 477-CITI (2484) 24 hours a day! © 2013 Citibank, 4.A., Guam Branch