This Card Agreement (Agreement) is your contract with us.

CARD AGREEMENT

WMC-0920

The Credit Card Disclosures are part of this Agreement. The Credit Card Disclosures show important information about 
your Account, such as your Annual Percentage Rates and certain fees. Any amendments to this Agreement also are part of 
this Agreement.

Please read all parts of this Agreement, including the arbitration provision, and keep it for your records.

DEFINITIONS

Account — Your credit card account. 
Adjusted New Balance — The New Balance, minus any Major Purchase Plan balance, and minus any balance subject to 
the Promotion Calculation.
Annual Percentage Rate (A P R) — A rate, shown as a percentage, used to calculate interest on the balance on your 
Account.
Authorized User — Any person you allow to use your Account after you give us that person’s name as an authorized user. 
Balance Transfer — Use of a balance transfer offer, including use of a “balance transfer” convenience check that accesses 
your Account for any Transaction or the transfer of a balance from another credit account to your Account.
Billing Cycle — The period of time between each date when we create a billing statement for your Account. For each Billing 
Cycle, your billing statement will show any Transactions, other charges, payments and other credits posted during that 
Billing Cycle. 
Business Day — Monday through Friday, excluding federal holidays.
Card — One or more cards or other devices (including an Account number) used to access your Account to obtain credit.
Card Networks — Organizations, such as Mastercard, Visa and American Express that facilitate the payment process 
between a cardmember, merchants and a card issuer.
Cash Advance — Use of your Card to get cash, including foreign currency, or for what we consider a cash-like transaction. 
Examples include using your Card for: A T M and teller withdrawals, wire transfers, money orders, traveler’s checks, lottery 
tickets, gaming chips and other methods used for gambling, wagers and other betting transactions. Use of a “cash advance” 
convenience check that accesses your Account for any Transaction is also a Cash Advance.
Consumer Reporting Agency — An organization, such as Experian, Equifax and TransUnion, that compiles credit 
information for the purpose of generating consumer credit reports. It’s also known as a “credit bureau” and a “credit reporting 
agency.”
Deferred Interest Promotion — See the Promotions section of the Agreement.
include and including — These terms mean “include [or including] without limitation.”
Late Payment — A payment is late if you don’t pay at least an amount equal to the Minimum Payment Due, minus any 
Overlimit Amount by the payment due date.
Major Purchase Plan — See the Promotions section of the Agreement.
New Balance — The total amount you owe us at the end of each Billing Cycle. This amount is shown on each billing 
statement under the heading “New Balance.” We explain how we calculate the New Balance below.
Overlimit Amount — The amount by which your Account balance exceeds your credit limit in any Billing Cycle.
Purchase — Use of your Card to buy goods and services. Balance Transfers and Cash Advances are not Purchases.
Returned Payment — A payment that isn’t honored by your financial institution.
Transaction — A Balance Transfer, Cash Advance or Purchase, as applicable. 
we, us and our — Citibank, N.A.
you and your — The cardmember or cardmembers who opened the Account, and any other person who is or becomes 
obligated under this Agreement to repay amounts borrowed using the Account. 

You’ll find definitions of other terms within this Agreement.

YOUR ACCOUNT
Your Account use is subject to this Agreement. You must pay us for all amounts due on your Account, including: 
Transactions you make, even if you didn’t present your Card or sign for the Transaction; Transactions an Authorized User 
makes; Transactions that other people make if you or an Authorized User let them use your Account, even if you did not 
intend to be responsible for those Transactions; and any fees and interest charges on the Account. 
Binding Agreement. This Agreement takes effect once you use your Card. Even if you don’t use your Card, this Agreement 
will take effect unless you contact us to cancel your Account within 30 days after we sent you this Agreement.

Credit Limit. We assign a credit limit to your Account. Part of this credit limit may be available for Cash Advances, and there 
may be a limit on the amount of Cash Advances you can take in a given period. We may authorize Transactions that cause 
your balance to exceed your credit limit.
Joint Account. If two or more people are or become obligated under this Agreement to repay amounts borrowed using the 
Account, then each of you is responsible for all amounts owed and for any defaults, even if the Account is used or managed 
by only one of you. Each of you will be liable for the entire balance of the Account, even if a court orders only one of you to 
pay us. We will report information about your Account to the Consumer Reporting Agencies under each of your names. We 
may only deliver notices or billing statements to one of you, but that delivery will serve as delivery to each of you. Each of 
you has authority to manage the Account. We’ll follow instructions about the Account from either of you. We’re not liable if 
we act on instructions from one of you. 
Consumer Purposes. You aren’t permitted to use your Account for business purposes. If you do use your Account for 
business purposes, this Agreement still applies, and you must pay us for those Transactions. You have to pay us for any 
damages and/or expenses resulting from that use. In addition, we may also close your Account.
Unlawful Transactions. You aren’t permitted to use your Account for unlawful Transactions. If you do use your Account for 
unlawful Transactions, this Agreement still applies and you must pay us for those Transactions. You also may have to pay 
the Card Network and/or us for any damages and expenses resulting from that use. In addition, we may close your Account. 
Mobile Phone or Other Devices. Smart phones, tablets and other electronic devices can store your Card (such as through 
a mobile wallet or app). This means they can be used to make Transactions. Any such Transactions are covered by this 
Agreement. A mobile wallet or app that uses your Card to make Transactions may have separate terms of use. We’re not 
responsible if you violate those terms, or for any consequences resulting from any violation.

ANNUAL PERCENTAGE RATES (A P RS) & INTEREST CHARGES

The following sections explain how we calculate the interest you owe each Billing Cycle.
A P Rs. We use A P Rs to calculate interest charges on your Account. Different A P Rs may apply to different Transactions. See 
the listing of your A P Rs on the Credit Card Disclosures. 
Variable A P Rs. A variable A P R is an A P R that can change each Billing Cycle. We calculate each variable A P R first by 
taking the U.S. Prime Rate from The Wall Street Journal (W S J) two Business Days before the last day of each Billing Cycle. 
(If the W S J doesn’t publish the U.S. Prime Rate that day, then we’ll use another publication.) Then we add to the U.S. Prime 
Rate a certain percentage amount, which we call the Margin. If an A P R applicable to your Account is variable, you can find 
the Margin we use for your Account in the Details About Your Interest Rates section of the Credit Card Disclosures. Your 
variable A P Rs will increase if the U.S. Prime Rate increases and decrease if the U.S. Prime Rate decreases. If a variable 
A P R increases, then your interest charges and Minimum Payment Due may increase.
If the U.S. Prime Rate changes, we’ll apply the new variable A P R starting from the first day of the Billing Cycle when we take 
the U.S. Prime Rate from the W S J. The new A P R will apply to existing balances, as well as balances added to your Account 
after the change.
Daily Balance. We calculate interest on your Account each Billing Cycle first by calculating each of your daily balances. The 
following explains how we do that.

Here’s how and when Transactions, fees and credits are applied to the balances on your Account: 
•  We add the amount of a Purchase or Balance Transfer to the Purchase balance or applicable promotional balance as of 

the transaction date on your billing statement. 

•  We add the amount of a Cash Advance to the Cash Advance balance as of the transaction date on your billing 

statement.

•  We add a Transaction fee to the same balance as the Transaction as of the transaction date on your billing statement. 

We’ll add any other fee to the balance of our choice as of the date we post the fee to your Account. 

•  If you’re charged interest in a Billing Cycle, but the amount calculated is less than the Minimum Interest Charge shown 
on the Credit Card Disclosures, we’ll add additional interest to the balance(s) of our choice so that you’ll be charged 
that Minimum Interest Charge for that Billing Cycle. 

•  We subtract credits applied or payments made as of the date it is credited to the Account.

Here’s how we calculate each of your daily balances on your Account:
•  We start with the daily balance from the end of the previous day.

•  We add any new Transactions, fees and other charges, including interest accrued on the previous day’s balance. This 

means that interest is compounded daily. 

•  We subtract any credits applied or payments made as of that day.

•  We make additional adjustments as appropriate, subject to applicable law. This gives us the daily balance for that day.

WMC-0920Interest Calculation. Each daily balance may have a different A P R. Certain categories of Transactions in a daily balance 
may have multiple A P Rs. For example, you may make a Purchase that’s subject to a promotional A P R. If a daily balance 
on your Account is subject to an A P R, we’ll charge interest on that daily balance. We use the daily balance method (which 
includes new Transactions). If interest applies to a balance, it will start applying on the day a charge is added to that balance 
and continue until that balance is paid in full. We consider a credit balance as a balance of zero when calculating interest on 
that balance. 
•  We multiply each daily balance by its applicable daily periodic rate (each applicable A P R divided by 365).
•  We do this for each day in the Billing Cycle. This gives us the daily interest amounts.

•  Then we total all the daily interest amounts for all the daily balances and round to the nearest cent. This gives us the 

total interest for the Billing Cycle. 

Calculating the New Balance. To calculate the New Balance at the end of each Billing Cycle, we begin with the total 
Account balance at the start of that Billing Cycle. Then we add any Transactions that are new to the Account during that 
Billing Cycle. Then we subtract any credits applied or payments made during that Billing Cycle. Then we add any interest 
charges or fees incurred during that Billing Cycle and make any other adjustments, as applicable. 
Grace Period on Purchases. Except as indicated below, you won’t pay any interest on Purchases if you pay the New 
Balance in full by the payment due date shown on your billing statement each Billing Cycle. We call this a grace period on 
Purchases. If you don’t pay your New Balance in full by the payment due date in a Billing Cycle, you won’t get a grace period 
on Purchases again until you pay the New Balance in full by the payment due date shown on your billing statement 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 Promotion balances first, the Deferred Interest Promotion 
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. If you have a Major 
Purchase Plan, you will be charged interest on the Major Purchase Plan balance from the start of the Billing Cycle following 
the Billing Cycle in which your Major Purchase Plan Purchase was made. This means that you will not be charged interest 
on the Major Purchase Plan balance during the Billing Cycle in which your Major Purchase Plan Purchase was made. 
There’s no grace period on Balance Transfers or Cash Advances. This means you’ll pay interest on Balance Transfers and 
Cash Advances from the transaction date shown on your billing statement. 

PROMOTIONS
From time to time we may offer you promotional terms relating to certain Transactions. These offers will be governed by the 
terms of the promotional offer and this Agreement. Your promotional terms will end when the promotional period expires. 
Promotional offers may include Deferred Interest Promotions and Major Purchase Plans.
Deferred Interest Promotion. Under a Deferred Interest Promotion, no interest charges will be imposed on your Purchase 
if you pay off that Purchase in full before the end of the promotional period. If you do not pay the Deferred Interest Promotion 
Purchase in full before the end of the promotional period, we will impose interest on that Purchase from the date the 
Purchase was made. Interest charges on a Deferred Interest Promotion Purchase are based upon the A P R for regular 
Purchases. 
Major Purchase Plan. Under a Major Purchase Plan, we may offer you a promotional A P R on a specific Purchase. If a 
promotional A P R applies, it will apply so long as any portion of that Purchase balance remains on the Account. We also 
calculate a separate amount that will be due on your Major Purchase Plan Purchase. This amount will be included in the 
Minimum Payment Due until your Major Purchase Plan Purchase is paid in full.

FEES & FOREIGN CURRENCY CONVERSION

Late Fee. We have the right to charge you a late fee if you have a Late Payment. The late fee is $29 and, if you have 
another Late Payment within the next 6 Billing Cycles the late fee will be $40. The amount of your late fee will not exceed the 
amount permitted by law.
Transaction Fee for Balance Transfers. We charge you a fee for each Balance Transfer. The amount of your Balance 
Transfer fee will be either $10 or 5% of the amount of each Balance Transfer, whichever is greater.
Transaction Fee for Cash Advances. We charge you a fee for each Cash Advance. The amount of your Cash Advance 
fee will be either $10 or 5% of the amount of each Cash Advance, whichever is greater.

WMC-0920Transaction Fee for Purchases in Foreign Currency. We charge you a fee for a Purchase made in a currency other than 
U.S. dollars regardless of where the Transaction takes place or who the merchant is. The amount of the fee will be 3% of the 
amount of the Transaction after conversion to U.S. dollars. 
Foreign Currency Conversion — Purchases. A Card Network converts the amount of a Purchase in a foreign currency 
into U.S. dollars. Each Card Network follows its own procedures for conversion. These procedures include how the Card 
Network chooses an exchange rate and when to do the conversion. For example, Visa chooses either a government-
mandated exchange rate or chooses from a range of rates available on wholesale currency markets (and, in either case, the 
exchange rate that it chooses may be less favorable than the rate that Visa itself receives when it makes foreign currency 
transactions). Depending on the policies of each Card Network, the exchange rate chosen may be the one in effect on the 
day the Card Network does the conversion, or on the day before. The exchange rate that a Card Network uses to convert 
the Purchase to U.S. dollars may differ from the rate in effect on the date you made the Purchase or on the transaction date 
for that Purchase shown on your billing statement. The Card Network’s procedures may change without notice.

If a third party, such as a merchant, converts the amount of a Purchase into U.S. dollars before sending the Purchase to a 
Card Network, the third party chooses the conversion rate instead of the Card Network. 
Foreign Currency Conversion — Cash Advances. If you take a Cash Advance in a foreign currency at an A T M or branch 
of a financial institution, it may not be the Card Network in all instances that converts the Transaction into U.S. dollars. 
Instead, depending on where the Transaction takes place, another third party, such as a financial institution, A T M network 
or A T M operator, may do the conversion. We do not control this. However, if you use your Card for a Cash Advance at a 
Citibank A T M or branch, then we or our affiliates may do the conversion.

The party that converts a Cash Advance to U.S. dollars will choose the exchange rate and when to do the conversion. The 
exchange rate in effect on the date the Cash Advance is converted to U.S. dollars may differ from the rate in effect on the 
date you took the Cash Advance or the transaction date for that Transaction shown on your billing statement. The exchange 
rate may also differ from any rate quoted to you when you made the Transaction.

PAYMENTS
Minimum Payment Due. You may pay all or a part of your Account balance at any time. You must pay at least the Minimum 
Payment Due by the payment due date each Billing Cycle. 
Your “Minimum Payment Due” equals:
•  Any amount past due; plus

•  Any Overlimit Amount; plus

•  Any amount due for a Major Purchase Plan, as described below; plus

•  Any amount due as a result of application of the Promotion Calculation, as described below; plus

•  The greater of:

 ◦ The Adjusted New Balance, if it’s less than $29;
 ◦ $29 if the Adjusted New Balance is at least $29; or
 ◦ 1% of the Adjusted New Balance, plus any late fee, plus any billed interest or minimum interest charges, minus any 
interest charges that accrued during prior Billing Cycles on a Deferred Interest Promotion that ended during the 
Billing Cycle covered by the billing statement (the result is rounded up to the nearest dollar). 

The Minimum Payment Due is never more than the New Balance. 
Major Purchase Plan. The Minimum Payment Due will include any amount due on a Major Purchase Plan balance. You 
must pay the amount due on a Major Purchase Plan balance, as described below, for so long as any portion of that balance 
remains in that Major Purchase Plan. However, the amount due on a Major Purchase Plan balance will never be more than 
the amount of that balance on the statement closing date. The amount due on each Major Purchase Plan balance each 
Billing Cycle is determined as follows:

•  The Purchase amount, plus 

•  The estimated interest charges calculated on the daily balance from the start of the next Billing Cycle following the 
Billing Cycle in which your Major Purchase Plan Purchase was made through the end of the promotional period 
(assuming that you pay the Minimum Payment Due on your account each month on the due date), the sum of which is 
divided by 

•  The number of months in the promotional period. (The result is rounded up to the nearest dollar.) 

The formula we use for determining the amount described directly above is: 
•  the Purchase amount, multiplied by 
•  (A P R / 12 ) / (1-(1 + A P R / 12 )-N), rounded up to the nearest dollar. “A P R” equals the specific A P R applicable to the 

Purchase amount, and “N” equals the number of months in the promotional period.

WMC-0920Promotion Calculation. If you have a Deferred Interest Promotion 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 promotional period, any such remaining promotional balance will be included in the Adjusted New Balance. 
The Promotion Calculation will apply if, based on the amount of the Transaction as shown on the first billing 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. 
Note: Your payment due date is typically the same day of the month every month. You may request a change to your 
monthly due date.

Application of Payments. We decide how to apply your payment, up to the Minimum Payment Due, and credits, to the 
balances on your Account and you authorize us to apply payments and credits in a way that is most favorable or convenient 
for us. This means we may apply such payments and credits first to balances with lower A P Rs and then to balances with 
higher A P Rs. If you pay more than the Minimum Payment Due, we’ll apply the amount over the Minimum Payment Due 
first to the balance with the highest A P R, then to the balance with the next highest A P R, and so on. However, payments in 
excess of the Minimum Payment Due received before a Deferred Interest Promotion expires are applied to the Deferred 
Interest Promotion balance first in the last two Billing Cycles of the promotional period or in the last three Billing Cycles of 
the promotional period if the expiration date for the Deferred Interest Promotion is before the payment due date in the Billing 
Cycle in which the promotion expires.
Payment Instructions. You must pay in U.S. dollars. You must use a check or electronic debit issued by a bank in the 
United States. You must not send us a check dated after the date that we receive it. You must not enclose more than 
one check per envelope. You must not include any restrictive endorsements on the check. You must follow the above 
instructions and the additional payment instructions shown on your billing statement when making a payment. If you do, we’ll 
credit the payment to your Account as of the day we receive it. 

If you don’t pay in U.S. dollars and we accept your payment, we’ll select the currency conversion rate, and you must pay our 
costs. If you don’t follow our payment instructions, we may not accept your payment, or there may be a delay in crediting 
your Account. Either case may result in late fees and additional interest charges to your Account. If you don’t follow the 
instructions in this Agreement or on your billing statement, we may accept your payment without losing our rights. We may 
reject a payment if it’s more than the outstanding Account balance. We also may close your Account. 

AUTHORIZED USERS
Account Use by Authorized Users. You can ask us to add one or more Authorized Users to your Account. If we approve, 
use of your Account by an Authorized User is subject to the terms of this Agreement. You must obtain permission from 
each Authorized User before naming that person as an Authorized User on your Account. You must make a copy of this 
Agreement available to each Authorized User. You must pay us for all charges incurred by each Authorized User. You must 
notify us to remove an Authorized User from your Account. If we remove an Authorized User, in some cases we may close 
your Account, open a new Account and issue you a new Card.

You’re responsible for: any Transactions made by an Authorized User on your Account; any Transaction made by an 
Authorized User even if the transaction date shown on your billing statement for that Transaction occurs after the date you 
ask us to remove the Authorized User from your Account; any Transactions made by others if an Authorized User allows 
them to use your Account; and fees and charges resulting from any Transactions made by an Authorized User or others if an 
Authorized User allows them to use your Account. 

Subject to any limitations we may impose, actions each Authorized User may take include: reporting lost or stolen Cards; 
requesting billing statement copies; initiating billing disputes; obtaining Account information such as Transaction histories; 
and making payments. 
Account Information Rights for Authorized Users. You allow us to discuss your Account with an Authorized User. This 
includes giving the Authorized User access to your Account information and history. You also agree that an Authorized User 
may use and receive information about the Account the same way you do. An Authorized User can’t add other Authorized 
Users, request refund checks, change the billing address for your Account, adjust the credit limit or close the Account.
Information about Authorized Users. You agree to give us certain personal information about each Authorized User. 
You must let each one know that you’ll give us that information and you must have the Authorized User’s permission to do 
so. You must have permission from each one to allow us to share information about the Authorized User as allowed by 
applicable law. This includes information we may get from you, any Authorized User and others. It also includes information 
about their Transactions on the Account.
Credit Reporting. We report information about this Account to Consumer Reporting Agencies in the Authorized User’s 
name that may appear on their credit report. This could include information about Late Payments, Overlimit Amounts, 
Returned Payments, and other violations of this Agreement. 

You must let each Authorized User know that we report Account information in the Authorized User’s name. Also, see 
Credit Reporting section.

WMC-0920DEFAULT, CLOSING OR SUSPENDING YOUR ACCOUNT

Default. We may require immediate payment of your total Account balance, to the extent allowed by law, if any of the 
following occurs: you don’t pay at least the Minimum Payment Due by the due date; you have a Returned Payment; you file 
for bankruptcy or some other insolvency proceeding is filed by or against you; you don’t honor the terms of this Agreement; 
you default under any other card agreement you have with us; or you’re declared incompetent or mentally incapacitated, or 
in the event of your death. 
Closing or Suspending Your Account. We may close or suspend your Account if any of the events listed above occur, or 
for any reason, or for no reason. We may do this at any time, without notifying you, as allowed by law. We may cancel your 
current Card and issue you a substitute Card at any time. You also may close your Account at any time by notifying us by 
telephone or in writing. If we close or suspend your Account, or if you close your Account, you must pay us all amounts you 
owe on the Account, even if they post to your Account after it’s closed or suspended.

CREDIT REPORTING

You allow us to get information about you. We get it from Consumer Reporting Agencies and other sources that provide 
consumer financial information. You allow us to use it for: renewal of your Account; credit line increases or decreases; 
administration or review of your Account, collection and any other servicing; all other credit-related purposes connected with 
this Agreement; offers for other cards and other services; and other uses permitted by law.

We report Account information in your name, as well as information about you to Consumer Reporting Agencies, on a 
monthly basis. The information we provide may appear on your credit reports. This can include information about: Late 
Payments; Overlimit Amounts; Returned Payments; and other violations of this Agreement.

If you think we’ve given incorrect information to a Consumer Reporting Agency about you (or about an Authorized User), 
please write to us at the Customer Service address on your billing statement and we’ll research it. We’ll let you know if 
we agree or disagree with you. If we agree with you, we’ll contact each Consumer Reporting Agency we reported to and 
request a correction. 

ACCOUNT INFORMATION, INFORMATION SHARING & COMMUNICATIONS
Changes to Account Information. You provided certain personal information to us when you opened your Account. You 
agree to notify us if this information changes. If you don’t, or if we ask you to verify your Account information and you cannot, 
we may suspend or close your Account.
Information Sharing. You agree to let us share information about you and your Account as allowed by law. This includes 
information we get from you and others. Our privacy notice, which we have provided to you, describes reasons we can 
share our customers’ personal information.
Contacting You. You agree that we (and/or our service providers or anyone we authorize) may contact you at any phone 
number, email address or mailing address you provide or we obtain in other ways. This includes communications to 
mobile, cellular/wireless, or similar devices. We may contact you by live operator, auto-dialer, recorded or artificial voice, 
text, or email. You agree to pay any charges from your plan provider for communications we send to you, as well as 
communications you send to us.
How We Capture and Use Voiceprints. We may use voice recognition technology to verify your identity when you call. We 
may capture and store your voiceprint for this purpose.
Call Monitoring. We may monitor and record any calls between you and us.
Notices. We send any notices to your billing address or, if you’ve agreed, by email to the address you gave us. We consider 
a notice sent as soon as we send it. 

TRANSACTIONS

Merchant Refunds. A merchant refund to your Account will post to your Account as a credit. We don’t control when a 
merchant sends an Account credit. We’ll choose how to apply the credit to your existing Account balances, including, if we 
choose, to any existing promotional balances. 
Note: Merchant Surcharges. Some merchants, including merchants outside the U.S., may charge you a fee to use your 
Card for a Purchase. The fee will be either a percentage of the amount of your Purchase, or a flat fee, and will be added to 
the amount of your Purchase. Usually, a merchant will tell you about this fee before you use your Card, but not always. We 
don’t control these fees, and can’t prevent them.

Recurring Authorized Transactions. If you authorize a merchant or any other person to charge your Account for recurring 
Transactions, you must notify the merchant if: you want to discontinue these Transactions; your Account is closed; your Account 
number changes; or your Card expiration date changes. You’re responsible for reinstating any recurring authorized Transactions.
Refusal of the Card. We don’t guarantee approval of Transactions. We are not liable for those that aren’t approved, even if 
you have enough available credit on your Account. If we detect unusual or suspicious activity, we may suspend your credit 
privileges. We also may limit the number of Transactions approved in a single day.

WMC-0920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 members of the Armed Forces and their 
dependents may not exceed an A P R of 36 percent. This rate must include, as applicable to the credit transaction or 
accounts: 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.

ARBITRATION

PLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY.
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 . o r g) 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 at 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, 

WMC-0920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’ll 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: PO Box 6195, Sioux Falls, SD 

57117-6195. 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.

AGREEMENT & BENEFIT CHANGES
Changes to this Agreement. We may change this Agreement for any reason and at any time, subject to applicable 
law. This means that we can change rates and fees that apply to your Account. It also means we can add, replace 
or remove provisions of this Agreement. If required by applicable law, we’ll give you notice of the changes. If you 
have the right to reject a change, we’ll notify you and tell you how to reject. If we notify you of a change, we may 
do so on your billing statement or send you a separate written notice, either of which may be sent electronically if 
permitted by applicable law.
Changing Benefits. Any benefit, reward, service or feature offered may change or be discontinued at any time for any 
reason. Separate terms and conditions will describe any exceptions.

MISCELLANEOUS
Assignment. We may assign any or all of our rights and obligations under this Agreement to a third party. You may not sell, 
assign or transfer your Account or any of your obligations under this Agreement.
Governing Law. Federal law and the law of South Dakota govern the terms and enforcement of this Agreement.
Enforcing this Agreement. We won’t lose our rights under this Agreement because we delay in enforcing them or fail to 
enforce them. If any provision of this Agreement is found to be unenforceable, all other provisions of the Agreement will 
remain in effect.

WMC-0920Collection Costs. To the extent allowed by law, you’re liable to us for our legal costs if we refer collection of your Account 
to a lawyer who isn’t our salaried employee. These costs may include reasonable attorneys’ fees, as well as costs and 
expenses of any legal action.
Unforeseen Circumstances. From time to time, our services might be unavailable due to circumstances beyond our 
control (such as fires, floods, natural disasters, system failures or other unpredictable events). When this happens, you might 
not be able to use your Card or obtain information about your Account. We’re not responsible or liable if this happens.
Lost or Stolen Account Information. You must try to prevent the unauthorized use of your Account and any Card, including 
your Account number or any other means to access your Account. You must call us if any Card or means to access your 
Account is lost or stolen. Also, you must call us if you think someone has used or may use these items without permission.
Headings. The headings in this Agreement are included as a matter of convenience and don’t define, limit or enlarge the 
scope of this Agreement or any of its provisions.

YOUR BILLING RIGHTS

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 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.

What Will Happen After We Receive Your Letter 
When we receive your letter, we must do 2 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 transaction 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.

WMC-0920Your Rights if You’re 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 is 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.
For Further Information: Call the Customer Service number shown on the billing statement or on the back of your Card if 
you need more information.

© 2020 Citibank, N.A.

WMC-0920