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CARD AGREEMENT

This document and the accompanying card carrier together
make up your Card Agreement and throughout this docu-
ment are referred to as Agreement or Card Agreement. The
card carrier contains information about the amount of any
membership fee. Please read and keep these documents for
your records. This Agreement is binding on you unless you
cancel your account within 30 days after receiving the card
and you have not used or authorized use of your account.

To simplify this Agreement for you, the following definitions
will apply. The words you, your, and yours mean all persons
responsible for complying with this Agreement, including the
person who applied to open the account and the person to
whom we address billing statements. The word card means
one or more cards or other access devices, such as account
numbers, that we have issued to permit you to obtain credit
under this Agreement. The words we, us, and our mean
Citibank® (South Dakota), N.A., the issuer of your account.
The words authorized user mean any person to whom you
give permission to use your account.

Using Your Account and Your Credit Line:
The card must be signed to be used. Whether you sign the
card or not, you are fully responsible for complying with all
the terms of this Agreement, including the obligation to pay
us for all balances due on your account as specified in this
Agreement. Your card must only be used for lawful transac-
tions and may not be used to purchase goods or services 
for resale.

Your card can be used to buy or lease goods or services
wherever the card is honored. Your account has no pre-set
spending limit for purchases. Your purchases will be evalu-
ated based on your spending and payment patterns and 
your personal resources. With the Club Cash® feature, your
card can be used to obtain cash through any bank or auto-
mated teller machine that accepts the card, subject to your
cash advance limit. At our discretion, we may change your
cash advance limit at any time. We will notify you of any 
new limit either by sending you a notice or through your
billing statement. A change may take effect before you
receive notification from us.

Additional Cards:
You may request additional cards on your account for your-
self or others and you may permit an authorized user to

have access to the card or account number. However, if 
you do, you must pay us for all charges made by those
persons, including charges for which you may not have
intended to be responsible. You must notify us to revoke 
an authorized user’s permission to use your account. If you
do so, we may close the account and issue a new card or
cards with a different account number. You are responsible
for the use of each card issued on your account according
to the terms of this Agreement.

Membership Fee:
The membership fee is $95 for the primary card and $35
for each additional card. The fee is non-refundable unless
you notify us to cancel your account within 30 days from
the mailing or delivery date of the billing statement on
which the fee is billed.

Billing:
Your billing statement shows the total due, any finance
charges, fees, and the payment due date. It also shows
your current cash advance limit; an itemized list of current
charges, payments and credits; a finance charge summary;
and other important information. If we deem your account
uncollectible or if we institute delinquency collection pro-
ceedings by sending it to an outside collection agency or
attorney for collection, we may, in our sole discretion, stop
sending you billing statements. However, finance charges
and fees will continue to accrue whether or not we send
you billing statements.

You must notify us of a change in your address by contact-
ing Customer Service by telephone or mail. We will mail or
deliver the billing statement to only one address.

How We Determine the Balance:
The total outstanding balance (the amount you owe us)
appears as the “New Balance” on the billing statement. To
determine the New Balance, we begin with the outstanding
balance on your account at the beginning of each billing
period, called the “Previous Balance” on the billing state-
ment. We add any purchases, cash advances, or transfers
to Club Plus Account offers, and subtract any credits or
payments credited as of that billing period. We then add 
the appropriate finance charges and fees and make other
applicable adjustments.

Club Plus Account Feature:
At our discretion, we may offer you the Club Plus Account
feature. This feature offers the payment flexibility to

transfer eligible portions of your balance to a Club Plus
Account offer. If your account has this feature, your billing
statement will show the Club Plus Credit Limit, Available
Club Plus Credit Limit, and Club Plus Minimum Payment.
If portions of your balance are eligible for transfer to this
feature, your billing statement will include a coupon to
exercise this feature and directions for use. In order to be
posted as of a particular day, a transfer must be received
in the form specified and by the hour specified on your
billing statement. Transactions may not be eligible for
transfer until they appear on your billing statement. We
may make different offers open for eligible transfers at
different times. The period of time during which a particu-
lar offer is open to transfer additional balances may be
limited. Any Club Plus Account offer will be subject to the
terms of the offer and this Agreement.

Annual Percentage Rate for Club Plus
Account Balances:
Each Club Plus Account offer will disclose the annual
percentage rate and the corresponding daily periodic rate.
A daily periodic rate is the applicable annual percentage
rate divided by 365. The offer will also disclose whether 
or not the annual percentage rate is based on the U.S.
Prime Rate plus a margin and if it is based on a margin,
the amount of the margin.

Variable Annual Percentage Rates for Club
Plus Account Balances:
If any annual percentage rate is based on the U.S. Prime
Rate plus a margin, we will calculate the rate for each
billing period by adding the applicable margin to the U.S.
Prime Rate (rounded to the nearest .25%). For billing peri-
ods beginning in May through October, we will use the
U.S. Prime Rate published in The Wall Street Journal on
the first business day of the immediately preceding March.
For billing periods beginning in November through April,
we will use the U.S. Prime Rate published in The Wall
Street Journal on the first business day of the immediately
preceding September. Any increase or decrease in a vari-
able annual percentage rate due to a change in the U.S.
Prime Rate takes effect as of the first day of the billing
period for which we calculate the variable annual percent-
age rate. If more than one U.S. Prime Rate is published,
we will use an average of the highest and lowest rate. If
The Wall Street Journal ceases publication or to publish
the U.S. Prime Rate, we may use the U.S. Prime Rate

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published in any other newspaper of general circulation, or
we may substitute a similar reference rate at our sole dis-
cretion. When a change in an applicable variable annual
percentage rate takes effect we will apply it to any existing
balances, subject to any promotional rate that may apply.
An increase in the variable annual percentage rate means
you will incur a higher finance charge and perhaps a higher
minimum payment.

Finance Charges for Club Plus Account
Balances:
Finance charges on amounts transferred to the Club 
Plus Account feature will begin to accrue from the date 
the amount is added to the daily balance of a Club Plus
Account offer, as described below, and continue to accrue
until payment in full is credited to your account.

We will calculate finance charges separately for each Club
Plus Account offer as follows:

• We figure a portion of the finance charge on your

account by multiplying the daily balance on each offer
by the applicable daily periodic rate and separately
adding together any such finance charges for each
offer for each day in the billing period.

• For finance charge calculation purposes, the billing

period begins on the day after the Statement/Closing
Date of the previous billing period and includes 
the Statement/Closing Date of the current billing
period. The number of days in the billing period 
may vary.

• To get the daily balance of an offer, we take the begin-

ning balance for the offer every day (which may
include unpaid finance charges from previous billing
periods), add any new transfers to that offer, and any
finance charge on the previous day’s balance, subtract
any credits or payments credited as of that day, and
make other adjustments. A credit balance is treated as
a balance of zero.

• We add a new transferred amount to the appropriate
offer as of the Post Date shown on your billing state-
ment.

The Balances Subject to Finance Charge on the billing
statement are the averages of the respective daily balances
during the billing period. If you multiply this figure for 
each offer by the number of days in the billing period and
by the applicable daily periodic rate, the result will be the
periodic rate finance charges assessed for that offer, except

for minor variations caused by rounding. This method of
calculating the balance subject to finance charge and the
periodic rate finance charges results in daily compounding
of finance charges.

Club Plus Account Minimum Finance Charge:
If finance charges based on periodic rates are being added
to your account, but the total of such finance charges for 
all Club Plus Account offers is less than $.50, we assess a
minimum FINANCE CHARGE, based on periodic rates, of
$.50. We add the amount to the offer that is being assessed
a finance charge. If more than one offer is assessed a
finance charge, we may add the minimum finance charge 
to any such offer at our discretion.

Club Plus Minimum Payment:
Each month you must pay a Club Plus Minimum Payment
which is the sum of the minimum payment for each Club
Plus Account offer. For each Club Plus Account offer the
minimum payment is the largest of the following:

• The amount of the billed finance charges for that Club

Plus Account offer;

• The balance for that Club Plus Account offer shown on

the billing statement if it is less than $20;

• $20 if the balance for that Club Plus Account offer is at

least $20; or

• The specified fraction of the balance for that Club Plus

Account offer (which calculation is rounded down to the
nearest dollar). This fraction is specified on the Club
Plus Account offer.

The Club Plus Minimum Payment shown on the billing
statement is the total of the minimum payments for each 
of the Club Plus Account offers shown on the statement.

Transaction Fee for Club Cash:
You have obtained a cash advance for which we assess a
cash advance transaction fee if you obtain funds from an
automated teller machine (ATM), through home banking, 
or through a financial institution; make a wire transfer;
acquire a money order, traveler’s check, lottery ticket, 
betting or casino chip, or similar item; or engage in another
similar transaction. For each cash advance, we add an
additional FINANCE CHARGE of 4.0% of the advance, but
not less than $4. This fee will be added to the appropriate
advance balance with the cash advance. (The amount of 
the cash advance may include a surcharge that the ATM
owner imposes.)

Credit Balance:
We will return to you any credit amount over $1.00 if the
amount has been on your account longer than three months.
You may request a refund of a credit balance at any time. 
We may reduce the amount of any credit balance by the
amount of new charges billed to your account.

Transaction Fee for Purchases Made in
Foreign Currencies:
For each purchase made in a foreign currency, we add to
your account an additional FINANCE CHARGE of 3.0% of the
amount of the purchase after its conversion into U.S. dollars.

Information on Foreign Currency Conversion
Procedures:
If you make a purchase in a foreign currency or obtain a
Club Cash® advance in a foreign currency, other than a 
Club Cash advance made at a branch or ATM of one of our
Citi® affiliates, MasterCard® will convert the amount into U.S.
dollars. MasterCard will act in accordance with their operat-
ing regulations or foreign currency conversion procedures
then in effect. MasterCard currently uses a conversion rate in
effect one day prior to its transaction processing date. Such
rate is either a wholesale market rate or the government-
mandated rate.

If a cash advance is made in a foreign currency at a branch
or ATM of one of our Citi affiliates, the amount will be con-
verted into U.S. dollars by a Citi affiliate in accordance with
its foreign currency conversion procedures then in effect.
Our Citi affiliate currently uses a conversion rate in effect 
on its applicable processing date. Such rate is either a mid-
point market rate or the government-mandated rate.

The foreign currency conversion rate in effect on the applica-
ble processing date for a transaction may differ from the rate
in effect on the sale or posting date on your billing statement
for that transaction.

Total Due:
Each month you must pay the Total Due that is shown on your
billing statement. If you do not have a Club Plus Account
balance, your Total Due equals the New Balance. If you have
a Club Plus Account balance, your Total Due equals:

• any Past Due balance that is shown on your billing

statement;

• plus any Club Plus Account amount in excess of your

Club Plus Credit Limit;

• plus your Club Plus Minimum Payment;

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• plus any purchases, cash advances, or fees (including

transaction fee finance charges) posted as of that billing
period;

• minus any credits, other than Club Plus Activator

credits, posted as of that billing period; and
• plus or minus any applicable adjustments.

Payments:
You must pay the Total Due by the payment due date, and
you may pay more at any time without a penalty. We will
allocate your payments and credits to pay off balances that
are not subject to a periodic rate (such as purchases and
Club Cash) before paying off Club Plus Account® offers.
Different Club Plus Account offers may be subject to differ-
ent rates. We will allocate your payments and credits to pay
off Club Plus Account offers at low periodic rates before
paying off Club Plus Account offers at higher periodic rates.
The sooner you pay the New Balance, the less you will pay 
in finance charges.

Instructions for making payments are on your billing state-
ment. In order to be credited as of a particular day, your
payment must be received in the form specified, and by 
the hour specified, in those instructions. Do not send cash
payments. We can accept late or partial payments, as well 
as payments that reflect “paid in full” or other restrictive
endorsements, without losing any of our rights under this
Agreement. You agree to pay us in U.S. dollars drawn on
funds on deposit in the United States using a payment
check, similar instrument, or automatic debit that will be
processed and honored by your bank. We reserve the right
to accept payments made in foreign currency and instru-
ments drawn on funds on deposit outside the United States.
If we do, we will select the effective currency conversion 
rate at our discretion and credit your account in U.S. dollars
after deducting any fees or costs incurred in connection with
processing your payment. If such fees or costs are not fully
deducted at the time your account is credited for a payment,
we will bill you separately for them.

Optional Telephone Payment Service:
You may request to make your payment by phone using our
optional telephone payment service. Each time you make
such a request, you agree to pay us the amount shown in
the section entitled “Telephone Payment”on the back of the
billing statement. Our representatives are trained to tell you
this amount if you decide to use this optional telephone
payment service.

Late Fee and Delinquency Fee:
Any portion of the Total Due from a previous billing period
that remains unpaid will appear as a Past Due balance 
on the current billing statement. We will impose a delin-
quency fee of $30 each time the oldest portion of a Total
Due balance is included in a Past Due balance for the first
time and the Past Due balance is more than $80.00. In
addition, we will impose a late fee of 2.5% of the entire
Past Due balance each time any portion of a Total Due
balance is included in a Past Due balance and the Past
Due balance is more than $80.00.

Returned Payment Fee:
We will add a $29 fee to the account when a payment
check or similar instrument is not honored, when we 
must return it because it cannot be processed, or when 
an automatic debit is returned unpaid. At our option, we
will assess this fee the first time your check or payment 
is not honored, even if it is honored upon resubmission.

Lost or Stolen Cards or Account Numbers:
If any card or account number is lost or stolen, or if you
think someone used or may use them without your per-
mission, notify us at once by calling the Customer Service
telephone number shown on the billing statement or the
number obtained by calling toll-free or local Directory
Assistance. We may require you to provide certain infor-
mation in writing to help us find out what happened, and
to comply with such procedures as we may require in
connection with our investigation. Don’t use the card or
account number after we’ve been notified, even if they are
found or returned. You may be liable for unauthorized use
of the account, but not for more than $50. You won’t be
liable for unauthorized purchases or cash advances made
after we’ve been notified of the loss or the theft; however,
you must identify for us the charges on the billing state-
ment that were not made by you, or someone authorized
by you, and from which you received no benefit.

Default:
You default under this Agreement if you fail to pay, by its
due date, the Total Due listed on each billing statement;
file for bankruptcy; pay by a check or similar instrument
that is not honored or that we must return because it can-
not be processed; pay by automatic debit that is returned
unpaid; or default under any other Card Agreement that you
have with us. If you default, we may close your account
and demand immediate payment of the total balance.

Preauthorized Charges:
If you default, if the card is lost or stolen, or we change
your account or account number for any reason, we may
suspend automatic charges on that account to third party
vendors for insurance premiums or other goods or serv-
ices. If preauthorized charges are suspended, you must
contact the third party vendor to reinstate them. You are
responsible for making direct payment for such charges
until you reinstate automatic charges.

Collection Costs:
If we refer collection of your account to a lawyer who 
is not our salaried employee, you will be liable for any
reasonable attorney’s fees we incur, plus the costs and
expenses of any legal action, to the extent permitted 
by law.

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 PARTICIPATE
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 counter-
claims, cross-claims, third-party claims, interpleaders or
otherwise; and Claims made independently or with other

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claims. A party who initiates a proceeding in court may 
elect arbitration with respect to any Claim advanced in that
proceeding by any other party. Claims and remedies sought
as part of a class action, private attorney general or other
representative action are subject to arbitration on an individ-
ual (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 con-
nected with us or you or claiming through us or you, such
as a co-applicant or authorized user of your account, an
employee, agent, representative, affiliated company, prede-
cessor or successor, heir, assignee, or trustee in bankruptcy.

• What time frame applies to Claims subject to arbitra-
tion? 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 inter-
preting 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.

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
National Arbitration Forum. 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
1633 Broadway, Floor 10
New York, NY 10019
website: www.adr.org

National Arbitration Forum
P.O. Box 50191
Minneapolis, MN 55405
website: www.arbitration-forum.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 arbi-
tration is filed unless those procedures and rules are incon-
sistent with this Agreement, in which case this Agreement
will prevail. Those procedures and rules may limit the dis-
covery 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 limita-
tions, 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 request-
ed by you or us, will provide a brief statement of the reasons
for the award. An award in arbitration shall determine the
rights and obligations between the named parties only, and
only in respect of the Claims in arbitration, and shall not
have any bearing on the rights and obligations of any other
person, or on the resolution of any other dispute.

• Who pays? Whoever files the arbitration pays the initial fil-
ing fee. If we file, we pay; if you file, you pay, unless you get
a fee waiver under the applicable rules of the arbitration firm.
If you have paid the initial filing fee and you prevail, we will
reimburse you for that fee. If there is a hearing, we will pay
any fees of the arbitrator and arbitration firm for the first day
of that hearing. All other fees will be allocated as provided by
the rules of the arbitration firm and applicable law. However,

we will advance or reimburse your fees if the arbitration firm
or arbitrator determines there is good reason for requiring
us to do so, or if you ask us and we determine there is good
reason for doing so. Each party will bear the expense of 
that party’s attorneys, experts, and witnesses, and other
expenses, regardless of which party prevails, but a party
may recover any or all expenses from another party if the
arbitrator, applying applicable law, so determines.

• Who can be a party? Claims must be brought in the name
of an individual person or entity and must proceed on an
individual (non-class, non-representative) basis. The arbitra-
tor 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 proceed-
ing 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 arbitra-
tor. 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 arbi-
tration provision shall not remain in force. No portion of this

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arbitration provision may be amended, severed, or waived
absent a written agreement between you and us.

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 on your credit
report. If you request additional cards on your account for
others, you understand that we may report account infor-
mation in your name as well as in the names of those other
people. We may also obtain follow-up credit reports on you
(for example, when we review your account for a credit line
increase). If you wish to know the names of the agencies
we have contacted, write us at the Customer Service
address listed on the billing statement. We will try to notify
you by telephone or by mail of any legal process served on
us in order to give you an opportunity to object to it, unless
the law prohibits the notice. If you think we reported erro-
neous information to a credit reporting agency, write us at
the Customer Service address listed on the billing state-
ment. We will promptly investigate the matter and if our
investigation shows you are right, we will contact each
credit reporting agency to whom we reported and will
request they correct the report. If we disagree with you
after our investigation, we will tell you in writing or by tele-
phone and instruct you how to submit a statement of your
position to those agencies. Your statement will become a
part of your credit record with them.

Telephone Monitoring and Recording:
From time to time we may monitor and record your tele-
phone calls regarding your account with us to assure the
quality of our service.

Closing Your Account:
You may close your account at any time by notifying us in
writing. However, you remain responsible to pay the total
balance according to the terms of this Agreement. We may
close your account or suspend your account privileges 
at any time for any reason without prior notice. We may
also reissue a different card, account number, or different
checks at any time. You must return the card or the checks
to us upon request.

Refusal of the Card:
We are not responsible if a transaction on your account is
not approved, either by us or by a third party, even if you
have sufficient credit available. We may limit the number of

transactions that may be approved in one day. If we detect
unusual or suspicious activity on your account, we may
temporarily suspend your credit privileges until we can
verify the activity.

Changing this Agreement:
We may change the rates, fees, and terms of this
Agreement at any time for any reason. These reasons
may be based on information in your credit report, such
as your failure to make payments to another creditor
when due, amounts owed to other creditors, the number
of credit accounts outstanding, or the number of credit
inquiries. These reasons may also include competitive
or market-related factors. Changing terms includes
adding, replacing, or deleting provisions relating to
your account and to the nature, extent, and enforcement
of the rights and obligations you or we may have relat-
ing to this Agreement. These changes are binding on
you. However, if the change will cause a fee, rate, or
minimum payment to increase, we will mail you written
notice at least 15 days before the beginning of the
billing period in which the change becomes effective. 
If you do not agree to the change, you must notify us 
in writing within 25 days after the effective date of the
change and pay us the total balance, either at once or
under the terms of the unchanged Agreement. Unless
we notify you otherwise, use of the card after the effec-
tive date of the change shall be deemed acceptance of
the new terms, even if the 25 days have not expired.

Enforcing this Agreement:
We can delay in enforcing or fail to enforce any of our
rights under this Agreement without losing them.

Assignment:
We reserve the right to assign any or all of our rights and
obligations under this Agreement to a third party.

Applicable Law:
The terms and enforcement of this Agreement shall be
governed by federal law and the law of South Dakota,
where we are located.

What To Do If There’s An Error In Your Bill.
Your Billing Rights.

Keep This Notice For Future Use:
This notice contains important information about your
rights and our responsibilities under the Fair Credit 
Billing Act.

Notify Us In Case of Errors or Questions About Your Bill:
If you think your billing statement is wrong, or if you need
more information about a transaction on your billing state-
ment, write to us (on a separate sheet) at the address pro-
vided in the Billing Rights Summary portion on the back 
of your billing statement. Write to us as soon as possible.
We must hear from you no later than 60 days after we sent
you the first billing statement on which the error or prob-
lem appeared. You can telephone us, but doing so will not
preserve your rights.

In your letter, give us the following information:

• Your name and account number.
• The dollar amount of the suspected error.
• Describe the error and explain, if you can, why you

believe there is an error. If you need more information,
describe the item you are not sure about.

• Please sign your letter.

If you have authorized us to pay your credit card bill
automatically from your savings or checking account, you
can stop the payment on any amount you think is wrong.
To stop the payment you must tell us at least three busi-
ness days before the automatic payment is scheduled 
to occur.

Your Rights and Our Responsibilities After We Receive
Your Written Notice:
We must acknowledge your letter within 30 days, unless
we have corrected the error by then. Within 90 days, 
we must either correct the error or explain why we believe
your billing statement was correct. After we receive your
letter, we cannot try to collect any amount you question, 
or report your account as delinquent. We can continue 
to bill you for the amount you question, including finance
charges, and we can apply any unpaid amount against 
your credit line. You do not have to pay any questioned
amount while we are investigating, but you are still
obligated to pay the parts of your balance that are not 
in question.

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76506 02/10

If we find that we made a mistake on your billing statement,
you will not have to pay any finance charges related to any
questioned amount. If we didn’t make a mistake, you may
have to pay finance charges, and you will have to make up
any missed payments on the questioned amount. In either
case, we will send you a statement of the amount you owe
and the date it is due.

If you fail to pay the amount that we think you owe, we may
report you as delinquent. However, if our explanation does
not satisfy you and you write to us within 10 days telling us
that you still refuse to pay, we must tell anyone we report
you to that you have a question about your bill. And, we
must tell you the name and address of anyone to whom we
reported your account information. We must tell anyone we
report you to that the matter has been settled between us
when it is finally settled. If we don’t follow these rules, we
can’t collect the first $50 of the questioned amount, even if
your billing statement was correct.

Special Rule for Credit Card Purchases:
If you have a problem with the quality of property or serv-
ices that you purchased with a 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 property or services. There are two limitations 
on this right:

• You must have made the purchase in your home state
or, if not within your home state, within 100 miles of
your current address; and

• The purchase price must have been more than $50.

These limitations do not apply if we own or operate the mer-
chant, or if we mailed you the advertisement for the property
or services.

© 2010 Citibank (South Dakota), N.A.
76506

02/10

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12A 

Pricing Information Table 

Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases 

0% up to 25% 

Some APRs may vary with the market based on the Prime Rate. 

APR for Cash Advances 

0% up to 25% 

Paying Interest 

Some APRs may vary with the market based on the Prime Rate. 

Your due date is at least 20 days after the close of each billing cycle.  We will not 
charge you interest on purchases if you pay your entire balance by the due date each 
month.  We will begin charging interest on cash advances on the transaction date. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than 50 cents. 

Method of computing the 
balance  

Average Daily Balance 

Fees 

Annual Fee 

Transaction Fees 

$95 for the primary card and $35 for each additional card 

•  Cash Advance  

Either $4 or 4% of the amount of each cash advance, whichever is greater. 

•  Foreign Purchase 
Transaction 

Penalty Fees 

•  Delinquency/Late Fee 

3% of each purchase transaction in US dollars. 

$30 and 2.5% on balances of $80 and over 

•  Returned Payment Fee 

$29 

 
 
 
 
 
 
 
 
 
 
12A 

Details About Your Interest Rates and    
Interest Calculations 

Daily Periodic Rate 

For variable rates: 
U.S. Prime Rate Plus 

Purchases   

Cash Advances 

0% up to 0.0849% 

0% up to 21.75% 

0% up to 0.0849% 

0% up to 21.75% 

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 billing periods beginning in May through October, we 
will use the U.S. Prime Rate published in The Wall Street Journal on the first business day of the immediately 
preceding March.  For billing periods beginning in November through April, we will use the U.S. Prime Rate published 
in The Wall Street Journal on the first business day of the immediately preceding September.  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.  

Average 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 period.  We then add up all the daily interest charges and the total is the interest 
charge for the billing period.