76511 02/10

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 important account information,
including your annual percentage rates. 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
transactions.

Your card can be used to buy or lease goods or services
wherever the card is honored. With the Club Cash® feature, a
portion of your revolving credit line, called the cash advance
limit, is available for cash advances through any bank or
automated teller machine that accepts the card, subject to
your cash advance limit and subject to a limit on aggregate
cash advances of $500 per day and $1,000 per week. At 
our discretion, we may change your revolving credit line or
cash advance limit at any time. We will notify you of any 
new line or limit either by sending you a notice or through
your billing statement. A change may take effect before you
receive notification from us.

In addition, because your account has no pre-set spending
limit, we may permit you to incur charges that cause your

New Balance to exceed your revolving credit line. Each
such charge will be evaluated based on your spending 
and payment patterns and your personal resources. If we
authorize such charges, you will be required to pay, as 
part of your minimum monthly payment, the amount by
which your New Balance exceeds your revolving credit 
line, including amounts due to purchases, cash advances,
finance charges, fees, or other charges.

Additional Cards:
You may request additional cards on your account for
yourself 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.

Billing:
Your billing statement shows the New Balance, any finance
charges, fees, the minimum payment, and the payment 
due date. It also shows your current revolving credit line
and 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
proceedings by sending it to an outside collection agency
or attorney for collection, we may, in our sole billing
statements. You must notify us of a change in your address
by contacting 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 or cash advances and sub-
tract any credits or payments credited as of that billing
period. We then add the appropriate finance charges and
fees and make other applicable adjustments.

Annual Percentage Rates for Purchases 
and Cash Advances:
Your annual percentage rates and the corresponding daily
periodic rates appear on the pricing information table. 
A daily periodic rate is the applicable annual percentage
rate divided by 365.Whether or not an annual percentage
rate is based on the U.S. Prime Rate plus a margin is
indicated on the pricing information table. Please see the
section entitled “Variable Annual Percentage Rates for
Purchases and Cash Advances” for details relating to how
these rates may change.

Variable Annual Percentage Rates for
Purchases and Cash Advances:
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 that appears
on the pricing information table to the U.S. Prime Rate.
For each billing period we will use the U.S. Prime Rate
published in The Wall Street Journal two business days
prior to your Statement/Closing Date for that billing
period. Any increase or decrease in a variable annual per-
centage 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 percentage rate. If more than
one U.S. Prime Rate is published, we may choose the
highest rate. If The Wall Street Journal ceases publication
or to publish the U.S. Prime Rate, we may use the U.S.
Prime Rate published in any other newspaper of general
circulation, or we may substitute a similar reference rate
at our sole discretion. 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.

Promotional Rate Offers:
At our discretion, we may offer you a promotional annual
percentage rate for all or a part of any balances. The
period of time for which the promotional rate applies 
may be limited. Any applicable promotional rate, the cor-
responding periodic rates, and the period of time during
which it is in effect will appear on the card carrier. Any
promotional rate offer will be subject to the terms of the
offer and this Agreement.

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Finance Charges:
Finance charges for purchases and cash advances (includ-
ing any Extended Payment Feature balance) will begin to
accrue from the date the transaction is added to the daily
balance, as described below, and continue to accrue until
payment in full is credited to your account. However, if you
paid the total New Balance, if any, listed on the last billing
statement by the payment due date on that statement you
will have until the payment due date on your current state-
ment to pay your total New Balance to avoid imposition of
additional finance charges on purchases.

We will calculate finance charges as follows:

• We figure a portion of the finance charge on your

account by multiplying the daily balance on each fea-
ture (e.g., standard purchases and standard advances)
by the applicable daily periodic rate and separately
adding together any such finance charges for each
feature 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, we take the beginning balance
for each feature every day (which may include unpaid
finance charges from previous billing periods), add
any new transactions, any new fees, 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 purchase to the appropriate purchase
balance as of the Sale Date shown on your billing
statement.

• We add a new cash advance to the appropriate pur-
chase or advance balance as of the Post Date shown
on your billing statement. The “Post Date” is the date
we receive your request for the cash advance.

The Balances Subject to Finance Charge on the billing state-
ment are the averages of the respective daily balances
during the billing period. If you multiply this figure for each
feature 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 feature,
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.

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.) The cash advance transaction fee may cause the
annual percentage rate on the billing statement on which 
the cash advance first appears to exceed the nominal annual
percentage rate.

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

Credit Balance:
You may not maintain a credit balance on your account in
excess of your assigned revolving credit line. 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
operating 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 applicable
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.

Minimum Payment:
Each month you must make a Minimum Payment that is
calculated as follows. First, we begin with any amount 
that is past due and add to it any amount in excess of 
your revolving credit line. Second, we add the minimum
payment imposed on your Extended Payment Feature, 
if any.

Third, we add the largest of the following:

• The New Balance on the billing statement if it is less

than $20;

• $20 if the New Balance is at least $20;
• 1% of the New Balance (which calculation is rounded
down to the nearest dollar) plus the amount of your
billed finance charges and any applicable late fee; 
or

• 1.5% of the New Balance (which calculation is rounded

down to the nearest dollar).

However, the Minimum Payment will never exceed your 
New Balance. In calculating the Minimum Payment, we may
subtract from the New Balance certain fees added to your
account during the billing period.

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Payments:
You must pay at least the minimum payment by the payment
due date, and you may pay more at any time without a
penalty. The New Balance shown on your billing statement
may include amounts subject to different periodic rates. We
will allocate your payments and credits to pay off balances 
at low periodic rates before paying off balances at higher
periodic rates. The sooner you pay the New Balance, the less
you will pay in finance charges. We may also allow you to
skip a payment. If we do, we will notify you. If you choose 
to skip a payment when offered, we will continue to assess
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 pro-
cessing 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:
We will add a late fee to the standard purchase balance 
for each billing period you fail to pay, by its due date, the
Minimum Payment. This late fee is based on your account
balance as of the payment due date. The late fee is: $15 

on balances up to $100, $29 on balances of $100 up to
$1,000, and $39 on balances of $1,000 and over.

Returned Payment Fee:
We will add a $29 fee to the standard purchase balance
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 Minimum Payment 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 cannot 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
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 individual (non-class, non-representative) basis, 

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and the arbitrator may award relief only on an individual
(non-class, non-representative) basis.

• Whose Claims are subject to arbitration? Not only ours
and yours, but also Claims made by or against anyone
connected with us or you or claiming through us or you,
such as a co-applicant or authorized user of your account,
an employee, agent, representative, affiliated company,
predecessor 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
arbitration is filed unless those procedures and rules are
inconsistent with this Agreement, in which case this
Agreement will prevail. Those procedures and rules may
limit the discovery available to you or us. The arbitrator 
will take reasonable steps to protect customer account
information and other confidential information if requested
to do so by you or us. The arbitrator will apply applicable
substantive law consistent with the FAA and applicable
statutes of limitations, will honor claims of privilege recog-
nized 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 repre-
sented by counsel. The arbitrator will make any award in
writing and, if requested by you or us, will provide a brief
statement of the reasons for the award. An award in arbi-
tration 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
arbitration provision may be amended, severed, or waived
absent a written agreement between you and us.

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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
erroneous information to a credit reporting agency, write 
us at the Customer Service address listed on the billing
statement. 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 telephone 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.

13

14

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76511 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.
76511

02/10

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13A 

Pricing Information Table 

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

13.15% 

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

APR for Cash Advances 

13.15% 

Paying Interest 

This APR will 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 

$0 

•  Cash Advance  

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

•  Foreign Purchase 
Transaction 

Penalty Fees 

•  Late Fee 

3% of each purchase transaction in US dollars. 

$15 on balances up to $100 

$29 on balances of $100 up to $1000 

$39 on balances of $1000 and over 

•  Returned Payment Fee 

$29 

 
 
 
 
 
 
 
 
 
 
 
13A 

Details About Your Interest Rates and    
Interest Calculations 

Daily Periodic Rate 

For variable rates: 
U.S. Prime Rate Plus 

Purchases   

Cash Advances 

0.03602% 

0.03602% 

9.90% 

9.90% 

APRs Based on Prime.  If any APR is based on the U.S. Prime Rate (“Prime Rate”), the APR will equal the Prime 
Rate plus the additional amount shown above.  If the Prime Rate increases, it will cause the APR to increase.  If the 
Prime Rate decreases, it will cause the APR to decrease.  For each billing period we use the Prime Rate published in 
The Wall Street Journal two business days before the Statement Closing Date.  If the Prime Rate causes an APR to 
change, we put the new APR into effect as of the first day of the billing period 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.