SYW-0120

CARD AGREEMENT

This Card Agreement is your contract with us. It governs the use 
of your card and account. The Supplemental Pricing Information 
(“Supplement”) is part of this Agreement. Please read this 
Agreement, including the Supplement carefully. Keep them for your 
records.

Definitions 
account means the relationship established between you and us 
by this Agreement.
A P R means an annual percentage rate.
authorized user means any person you allow to use your account.
card means one or more cards or other access devices that we 
give you to get credit under this Agreement. This includes account 
numbers.
we, us, and our mean Citibank, N.A., the issuer of your account. 
Citibank, N.A. is located in Sioux Falls, SD.
you, your, and yours mean the person who applied to open the 
account. It also means any other person responsible for complying 
with this Agreement. 

Your Account
You agree to use your account in accordance with this Agreement. 
You must pay us for all amounts due on your account. This 
Agreement is binding on you unless you close your account 
within 30 days after receiving the card and you have not used or 
authorized use of the card. Your account must only be used for 
lawful transactions. 
Authorized Users. You may request additional cards for 
authorized users. Each authorized user is your agent and may use, 
manage, and receive information about the account to the same 
extent as you, subject to any limitations we may impose. You must 
pay us for all charges made by authorized users. You must pay 
us even if you did not intend to be responsible for those charges. 
You must notify us to withdraw any permission you give to an 
authorized user to use your account.
Joint Accounts. If this is a joint account, each of you is 
responsible individually and together for all amounts owed. Each of 
you is responsible even if the account is used by only one of you. 
You will continue to be liable for the entire balance of the account, 
even if your co-applicant is ordered by a court to pay us. You will 

remain liable to us if your co-applicant fails to pay as ordered by 
the court. Your account status will continue to be reported to the 
credit bureau under each of your names. The delivery of notices 
or billing statements to either of you serves as delivery to each of 
you. We may rely on instructions given by either of you. We are not 
liable to either of you for relying upon such instructions.
Credit Limit. Your initial credit limit will be sent to you with your 
credit card. After that, your credit limit appears on your billing 
statement. The full amount of your credit limit is available to use 
where the card is honored. We will notify you separately what part 
of your credit limit is available for cash advances. That part is called 
the cash advance limit. We may reduce or increase your credit limit 
or cash advance limit at any time for any reason as permitted by law. 
We will notify you of any change, but the change may take effect 
before you receive the notice. You should always keep your total 
balance below the credit limit. However, if the total balance goes over 
your credit limit you still must pay us. If your account has a credit 
balance, we may reduce the credit balance by any new charges on 
your account. You may not maintain a credit balance in excess of 
your credit limit. 
Balance Transfers. Balance transfers are an account feature that 
we make available to you through offers. The offer will describe the 
terms. All balance transfers are subject to the regular purchases 
A P R unless a promotional rate applies.
Checks. We may provide you with convenience checks. When 
we do, we will tell you in writing whether they may be used for 
balance transfer transactions or cash advance transactions. If we 
tell you they may be used for balance transfer transactions, any 
use will be a balance transfer transaction. You may use them to 
transfer a balance to your account or make other transactions. If 
we tell you they may be used for cash advance transactions, any 
use will be a cash advance transaction even if you use the check to 
make a payment to another creditor. You may not use convenience 
checks to pay an amount owed to us under this Agreement or to 
pay another account with us or an affiliate. We do not certify these 
checks or return any checks that have been paid. 
Billing Statement. Your billing statement shows the New Balance. 
This is the total amount you owe us on the Statement Closing 
Date. To determine the New Balance, we begin with the total 
balance at the start of the billing cycle. We add any purchases, 
balance transfers or cash advances. We subtract any credits or 
payments. We then add any interest charges or fees and make 
other adjustments. 

Your billing statement also shows your transactions; the Minimum 
Payment Due and payment due date; your credit limit and cash 
advance limit; and your interest charges and fees. 
We deliver a billing statement to only one address. You must notify 
Customer Service of a change in address. We may stop sending 
you statements if we deem your account uncollectible or start 
collection proceedings; but we may continue to add interest and 
fees as permitted by law. 

A P Rs 

Variable A P Rs Based on Prime. See the Supplement for 
information about the A P Rs that apply to your account. If any 
A P R is based on the U.S. Prime Rate (“Prime Rate”), the A P R 
will equal the Prime Rate plus an additional amount. If the Prime 
Rate increases, it will cause the A P R to increase. If the Prime Rate 
decreases, it will cause the A P R to decrease. For each billing cycle 
we use the Prime Rate published in The Wall Street Journal two 
business days before the Statement Closing Date. If the Prime 
Rate causes an A P R to change, we put the new A P R into effect as 
of the first day of the billing cycle for which we calculate the A P R. 
We apply the new A P R to any existing balances, subject to any 
promotional rate that may apply. If The Wall Street Journal does not 
publish the Prime Rate, we will use a similar published rate.
Effect of A P R Increases. If an A P R increases, interest charges 
increase. Your minimum payment may increase as well. 

Promotions
We may offer promotional terms for all or a part of any balances. Any 
promotional terms may apply for a limited period of time. They will be 
governed by the terms of the promotional offer and this Agreement. 
Your promotional terms will end when the promotional period expires. 
If a promotional offer is a deferred interest offer, no interest 
charges will be imposed on the deferred interest balance if you 
pay the balance in full by the end of the promotional period for that 
deferred interest balance. We will impose interest charges on the 
deferred interest balance at the A P R for regular purchases from the 
date of purchase if you do not pay the balance in full by the end of 
the promotional period.

Interest Charges Based on A P Rs 

Interest Charges. We impose interest charges when we apply 
A P Rs to your account balances. We do this every day by using a 
daily periodic rate. To get a daily periodic rate, we divide the A P R 
by 365. 

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When Interest Charges Begin. We begin to impose interest 
charges the first day we add a charge to a daily balance. The 
charges we add to a daily balance include purchases, balance 
transfers, and cash advances. They also include interest charges 
and fees. We continue to impose interest charges until we credit 
your account with full payment of the total amount you owe us. 
Grace Period on Purchases. You can avoid interest charges on 
purchases, but not on balance transfers and cash advances. This 
is called a grace period on purchases. The grace period is at least 
25 days. To get a grace period on purchases, you must pay the 
New Balance by the payment due date every billing cycle. If you do 
not, you will not get a grace period until you pay the New Balance 
for two billing cycles in a row.
If you have a balance subject to a deferred interest promotion and 
that promotion does not expire before the payment due date, that 
balance (an “excluded balance”) is excluded from the amount you 
must pay in full to get a grace period on a purchase balance other 
than an excluded balance. In addition, if you have a major purchase 
plan balance, that balance (an “excluded balance”) is excluded 
from the amount you must pay in full to get a grace period on a 
purchase balance other than an excluded balance. However, you 
must still pay any separately required payment on the excluded 
balance. In billing cycles in which payments are allocated to 
deferred interest balances first, the deferred interest balance will 
be reduced before any other balance on the account. However, 
you will continue to get a grace period on purchases, other than 
an excluded balance, so long as you pay the New Balance (less 
any excluded balance, plus any separately required payment on 
an excluded balance) in full by the payment due date each billing 
cycle.
In addition, certain promotional offers may take away the grace 
period on purchases. Other promotional offers not described above 
may also allow you to have a grace period on purchases without 
having to pay all or a portion of the promotional balance by the 
payment due date. If either is the case, the promotional offer will 
describe what happens.
Calculation of Interest Charges – Daily Balance Method 
(Including Current Transactions). We calculate interest charges 
each billing cycle. To do this:

•  We start with each of your different balances. These balances 
include, for example, regular purchases, Old Balances, regular 
cash advances, and different promotional balances. (When 

we calculate interest charges, we treat each deferred interest 
transaction separately even if it has the same terms as another 
deferred interest transaction and we treat balance transfers as 
regular purchases unless a promotional rate applies.) 
•  We calculate the daily balance for each of your different 

balances. To get a daily balance, we start with the balance as 
of the end of the previous day. We add any interest charge on 
the previous day’s balance. (This results in daily compounding 
of interest charges.) We add any new charges. We then subtract 
any new credits or payments. 

•  We multiply each daily balance by the daily periodic rate that 
applies to it. We do this for each day in the billing cycle. This 
gives us the daily interest charges for each of your different 
balances. 

•  We add up all the daily interest charges. The sum is the total 

interest charge for the billing cycle. 

•  You authorize us to round interest charges to the nearest cent.
When we calculate daily balances, we add a purchase, balance 
transfer, or cash advance as of the Transaction Date. (The 
Transaction Date for a balance transfer or cash advance is the 
date we get a request to complete a transaction. When you send 
a convenience check directly to someone, the Transaction Date is 
the date we receive the check for payment. The Transaction Date 
is on the billing statement.) We add a transaction fee to the same 
balance as the transaction. We generally add other fees, including 
credit protection fees and insurance charges, to the regular 
purchase balance. We add any remaining balance from a balance 
transfer at a promotional A P R to the regular purchase balance. We 
do this on the day after the promotional period expires. We subtract 
a payment or credit as of the day it is credited to the account 
and then make other adjustments. We treat a credit balance as a 
balance of zero. 
Minimum Interest Charge. If we charge you interest, the charge 
will be no less than $2. We add the charge to the regular purchase 
balance or allocate it among one or more of the balances that 
accrues interest.
Balance Subject to Interest Rate. Your statement shows a 
Balance Subject to Interest Rate. It shows this for each different 
balance. The Balance Subject to Interest Rate is the average of the 
daily balances during the billing cycle. A billing cycle begins on the 
day after the Statement Closing Date of the previous billing cycle. It 
includes the Statement Closing Date of the current billing cycle.

Fees
Transaction Fee for Cash Advances. You take a cash advance 
if you use a cash advance convenience check; get money through 
an automated teller machine (A T M); or get money through home 
banking or a financial institution. You also take a cash advance 
if you make a wire transfer; buy a money order, traveler’s check, 
lottery ticket, casino chip, or similar item; or engage in a similar 
transaction. For each cash advance we add a transaction fee of 
5% of the amount of the cash advance, but not less than $5.
Transaction Fee for Balance Transfers. You make a balance 
transfer if you use a balance transfer convenience check or contact 
us to transfer a balance. For each balance transfer we add a 
transaction fee of 5% of the amount of the balance transfer, but 
not less than $10. This fee is in addition to any periodic fee that 
may be imposed with a promotional offer.
Transaction Fee for Purchases in Foreign Currency. We 
charge you a fee of 3% of the U.S. dollar amount of each purchase 
made in a currency other than U.S. dollars, regardless of where the 
transaction takes place or who the merchant is. 
Late Fee. We may add a late fee for each billing cycle in which you 
have a past due payment. For late fee purposes, you have a past 
due payment any time you fail to pay the Minimum Payment Due 
(less the Amount Over Credit Limit shown on your billing statement) 
by the payment due date. The fee will be $29; or $40 for any 
additional past due payment during the next six billing cycles after 
a past due payment. However, the fee will not exceed the amount 
permitted by law. We add this fee to the regular purchase balance. 
Information on Foreign Currency Conversion 

Our network provider is Mastercard. Mastercard converts 
transactions in foreign currencies into U.S. dollars. Mastercard 
follows its own procedures to do so. These may change from time 
to time without notice. Currently, Mastercard uses a conversion 
rate in effect one day before its transaction processing date. It uses 
a government-mandated rate if required to do so. If not, it uses a 
wholesale market rate. A third party may convert a transaction into 
U.S. dollars or another currency before sending it to Mastercard. In 
these cases, the third party selects the conversion rate. 
If you take a cash advance in a foreign currency at a branch or 
A T M of one of our affiliates, an affiliate of ours may convert it into 
U.S. dollars. This applies regardless of which network provider’s 
card you use to take the cash advance. Our affiliate currently 
uses a conversion rate in effect on its processing date. It uses a 

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government-mandated rate if required to do so. If not, it uses a 
mid-point market rate. Our affiliate’s procedure may change from 
time to time without notice.
The conversion rate you get is the one used on the transaction’s 
processing date. This may be different from the one in effect on the 
Transaction Date or post date for the transaction. 

Payments

Making Payments. You may pay all or part of your account 
balance at any time. However, you must pay at least the Minimum 
Payment Due by the payment due date each billing cycle. The 
sooner you pay the New Balance, the less you will pay in interest 
charges. 
We calculate the Minimum Payment Due as follows. We begin 
with any past due amount. We add the amount due on each major 
purchase plan balance. We add any amount in excess of your 
credit limit. We add any amount specified in a promotional offer. 
We add any amount required by the Promotion Calculation. We 
also add the largest of the following:
•  The Calculated New Balance if it is less than $29;
•  $29 if the Calculated New Balance is at least $29;
•  1% of the Calculated New Balance plus the amount of your 

billed interest charges on that balance, any minimum interest 
charge allocated to that balance, and any applicable late fee. 
(The result is rounded up to the nearest dollar.) However, we 
subtract interest charges that accrued during prior billing cycles 
on a deferred interest balance that ended during the billing cycle 
covered by the statement; or 

•  1.5% of the Calculated New Balance (the result is rounded up to 

the nearest dollar). 

The Calculated New Balance equals the New Balance on the billing 
statement less any balances subject to a major purchase plan, 
the Promotion Calculation, or to either of two types of promotional 
terms. The first type are terms that do not require a minimum 
payment. The second type are terms that require an additional 
amount as part of the Minimum Payment Due. 
The amount due on a major purchase plan balance is the smaller 
of:
•  The Repayment Percentage times the major purchase plan’s 
Highest Balance plus any credit protection or credit insurance 
fee allocated to that balance. (The result is rounded up to the 
nearest dollar.) Or

•  The major purchase plan’s balance on the Statement Closing 

Date. 

For each major purchase plan balance, the Highest Balance is the 
highest major purchase plan balance on a Statement Closing Date, 
since the last time that balance was zero. The balance is zero at 
account opening.
The Repayment Percentage for each major purchase plan is as 
follows:

•  24 month major purchase plan with an A P R of 6.99%: 

4.4768%.

•  36 month major purchase plan with an A P R of 0%: 2.7778%.

•  36 month major purchase plan with an A P R of 7.99%: 

3.1332%.

•  48 month major purchase plan with an A P R of 0%: 2.0833%.

•  48 month major purchase plan with an A P R of 9.99%: 

2.5358%.

•  60 month major purchase plan with an A P R of 0%: 1.6667%.

•  60 month major purchase plan with an A P R of 7.99%: 

2.0272%.

•  72 month major purchase plan with an A P R of 0%: 1.3889%.

•  84 month major purchase plan with an A P R of 0%: 1.1905%.

•  96 month major purchase plan with an A P R of 7.99%: 

1.4132%.

•  120 month major purchase plan with an A P R of 7.99%: 

1.2127%. 

If you have a deferred interest transaction balance subject to the 
Promotion Calculation, the Promotion Calculation will equal 1% of 
this balance during the promotion period. (The result is rounded 
up to the nearest cent.) After the promotion period, any such 
remaining promotional balance will be included in the Calculated 
New Balance. The Promotion Calculation will apply if, based on 
the amount of the transaction as shown on the first statement that 
displays the transaction and the dollar amount in the Minimum 
Payment Due calculation in effect at the time of the transaction, 
we determined that paying such dollar amount each billing cycle 
would result in repayment of the promotional balance before the 
end of the promotion period.  For deferred interest transactions 
made at Transform SR Holding Management LLC entities and its 

participating affiliates, subsidiaries and licensees, excluding Kmart 
stores, if a protection agreement is part of the deferred interest 
transaction, the protection agreement is treated as a separate 
transaction for purposes of evaluating whether the Promotion 
Calculation applies. Multiple protection agreements that are part 
of one deferred interest transaction are treated as one separate 
transaction.
The Minimum Payment Due may reflect adjustments to the New 
Balance. The Minimum Payment Due is never more than the 
Calculated New Balance plus three amounts. The first is any 
amount required by a major purchase plan. The second is any 
amount required by a promotional offer. The third is any amount 
required by the Promotion Calculation. 
Application of Payments. Payments in excess of the Minimum 
Payment Due are applied in accordance with law. This means 
that we will generally apply payments in excess of the Minimum 
Payment Due to higher A P R balances first. However, excess 
payments received before a deferred interest promotion expires are 
applied to the deferred interest promotional balance first in the last 
two billing cycles of the promotional period. And, if the expiration 
date of a deferred interest promotion is before the payment due 
date in the billing cycle in which the deferred interest promotion 
expires, excess payments received before the deferred interest 
promotion expires are applied to the deferred interest promotional 
balance first in the last three billing cycles of the promotional 
period. Payments equal to or less than the Minimum Payment 
Due and credits are applied at our discretion and you authorize us 
to apply payments and credits in a way that is most favorable or 
convenient for us. This may include applying such payments and 
credits to lower A P R balances first and to balances with longer 
promotional periods first.
Payment Instructions. We credit your payments in accordance 
with our payment instructions on the billing statement. You must 
pay us in U.S. dollars. To do so, you must use a check, similar 
instrument, or electronic debit that is drawn on and honored by a 
bank in the U.S. Do not send cash. We can accept late or partial 
payments, or payments that reflect “paid in full” or other restrictive 
endorsements, without losing our rights. We also reserve the right 
to accept payments made in foreign currency and instruments 
drawn on funds on deposit outside the U.S. If we do, we select 
the currency conversion rate. We will then credit your account in 
U.S. dollars after deducting any costs incurred in processing your 
payment. Or we may bill you separately for these costs. 

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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 in your credit report. We may report 
account information in your name and the names of authorized 
users. We may also obtain follow-up credit reports on you. 
If you think we reported incorrect information to a credit bureau, 
write us at the Customer Service address on the billing statement. 
We will investigate the matter. We will then tell you if we agree 
or disagree with you. If we agree with you, we will contact each 
credit bureau to which we reported and request a correction. If we 
disagree with you, we will tell you that. 

Information Sharing 
You authorize us to share information about you as permitted by law. 
This includes information we get from you and others. It also includes 
information about your transactions with us. Please see our Privacy 
Notice for details about our information sharing practices. 

Changes to this Agreement
We may change the rates, fees, and terms of this Agreement 
from time to time as permitted by law. The changes may 
add, replace, or remove provisions of this Agreement. We will 
give you advance written notice of the changes and a right to 
opt out to the extent required by law.
Default 

You default under this Agreement if you fail to pay the Minimum 
Payment Due by its due date; go over your credit limit; pay by a 
check or similar instrument that is not honored or that we must 
return because it cannot be processed; pay by electronic debit that 
is returned unpaid; file for bankruptcy; or fail to comply with the 
terms of this Agreement. If you default, we may close your account 
and, to the extent permitted by law, demand immediate payment of 
the total balance. 

Refusal of the Card, Closed Accounts,  
and Related Provisions 

Refusal of the Card. We do not guarantee approval of 
transactions. We are not liable for transactions that are not 
approved. That is true even if you have enough credit. We may 
limit the number of transactions approved in one day. If we 
detect unusual or suspicious activity, we may suspend your credit 
privileges. 

Preauthorized Charges. We may suspend any automatic or other 
preauthorized card charges you arrange with a third party. We may 
do this if you default; if the card is lost or stolen; or we change 
your account for any reason. If we do this, you are responsible for 
paying the third party directly if you wish to do so. You are also 
responsible for reinstating the preauthorized charges if you wish to 
do so and we permit it. 
Lost or Stolen Cards, Account Numbers, or Convenience 
Checks. You must call us if any card, account number, or check 
is lost or stolen. You must also call us if you think someone used 
or may use them without permission. When you call, we may 
require you to provide information to help our investigation. We may 
require you to provide this information in writing. For example, we 
may ask you to identify any charges that were not made by you or 
someone authorized by you. We may also ask you to confirm that 
you received no benefit from those charges.
Closing Your Account. You may close your account by notifying 
us in writing or over the phone. If you close your account, you must 
still repay the total balance in accordance with this Agreement. We 
may also close your account or suspend account privileges at any 
time for any reason. We may do this without prior notice to you. We 
may also reissue a different card at any time. You must return any 
card to us upon request.

Protections for Active Duty  
Service Members and Their Dependents 
Protections. Federal law provides important protections to 
members of the Armed Forces and their dependents relating to 
extensions of consumer credit. In general, the cost of consumer 
credit to a member of the Armed Forces and his or her dependent 
may not exceed an annual percentage rate of 36 percent. This rate 
must include, as applicable to the credit transaction or account: 
The costs associated with credit insurance premiums; fees for 
ancillary products sold in connection with the credit transaction; 
any application fee charged (other than certain application fees for 
specified credit transactions or accounts); and any participation 
fee charged (other than certain participation fees for a credit card 
account). You are entitled to these protections if you are a Covered 
Borrower, as defined below. 
Covered Borrower. You are a Covered Borrower if, in connection 
with the opening of your account, we determine you are an active 
duty member of the Armed Forces (including active Guard and 
Reserve duty) or a dependent of an active duty member. You 

will cease to be a Covered Borrower if we determine you are no 
longer an active duty member of the Armed Forces (including 
active Guard and Reserve duty) or a dependent of an active duty 
member. 
Oral Disclosures. If you are a Covered Borrower, you may obtain 
information related to your account, including information about 
these protections and your payment obligation, by calling 1-877-
625-6379.  
Arbitration. The section of the Card Agreement entitled 
“ARBITRATION” does not apply if you are a Covered 
Borrower at the time your account is opened.

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 

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by or against anyone connected with us or you or claiming through 
us or you, or by someone making a claim through us or you, such 
as a co-applicant, authorized user, employee, agent, representative 
or an affiliated/parent/subsidiary company.

Arbitration limits
•  Individual Claims filed in a small claims court are not subject to 
arbitration, as long as the matter stays in small claims court. 

•  We won’t initiate arbitration to collect a debt from you unless you 
choose to arbitrate or assert a Claim against us. If you assert a 
Claim against us, we can choose to arbitrate, including actions to 
collect a debt from you. You may arbitrate on an individual basis 
Claims brought against you, including Claims to collect a debt.

•  Claims brought as part of a class action, private attorney general 

or other representative action can be arbitrated only on an 
individual basis. The arbitrator has no authority to arbitrate any 
claim on a class or representative basis and may award relief 
only on an individual basis. If arbitration is chosen by any party, 
neither you nor we may pursue a Claim as part of a class action 
or other representative action. Claims of 2 or more persons may 
not be combined in the same arbitration. However, applicants, 
co-applicants, authorized users on a single account and/or 
related accounts, or corporate affiliates are here considered as 
one person.

How arbitration works

•  Arbitration shall be conducted by the American Arbitration 

Association (“A A A”) according to this arbitration provision and 
the applicable A A A arbitration rules in effect when the claim is 
filed (“A A A Rules”), except where those rules conflict with this 
arbitration provision. You can obtain copies of the A A A Rules at 
the A A A’s website (w w w . a d r . org) or by calling 800-778-7879. 
You or we may choose to have a hearing, appear at any hearing 
by phone or other electronic means, and/or be represented by 
counsel. Any in-person hearing will be held in the same city as 
the U.S. District Court closest to your billing address.

•  Arbitration may be requested any time, even where there is a 
pending lawsuit, unless a trial has begun or a final judgment 

entered. Neither you nor we waive the right to arbitrate by 
filing or serving a complaint, answer, counterclaim, motion, or 
discovery in a court lawsuit. To choose arbitration, a party may 
file a motion to compel arbitration in a pending matter and/or 
commence arbitration by submitting the required A A A forms 
and requisite filing fees to the A  A  A.

•  The arbitration shall be conducted by a single arbitrator in 

accord with this arbitration provision and the A A A Rules, which 
may limit discovery. The arbitrator shall not apply any federal 
or state rules of civil procedure for discovery, but the arbitrator 
shall honor claims of privilege recognized at law and shall take 
reasonable steps to protect account information and other 
confidential information of either party if requested to do so. The 
arbitrator shall apply applicable substantive law consistent with 
the F A A and applicable statute of limitations, and may award 
damages or other relief under applicable law.

•  The arbitrator shall make any award in writing and, if requested 
by you or us, may provide a brief statement of the reasons for 
the award. An arbitration award shall decide the rights and 
obligations only of the parties named in the arbitration, and shall 
not have any bearing on any other person or dispute.

Paying for arbitration fees 
•  We will pay your share of the arbitration fee for an arbitration of 

Claims of $75,000 or less if they are unrelated to debt collection. 
Otherwise, arbitration fees will be allocated according to the 
applicable A A A Rules. If we prevail, we may not recover our 
arbitration fees, unless the arbitrator decides your Claim was 
frivolous. All parties are responsible for their own attorney’s fees, 
expert fees and any other expenses, unless the arbitrator awards 
such fees or expenses to you or us based on applicable law.

The final award 

•  Any award by an arbitrator is final unless a party appeals it in 
writing to the A A A within 30 days of notice of the award. The 
arbitration appeal shall be determined by a panel of 3 arbitrators. 
The panel will consider all facts and legal issues anew based 
on the same evidence presented in the prior arbitration, and will 

make decisions based on a majority vote. Arbitration fees for the 
arbitration appeal shall be allocated according to the applicable 
A A A Rules. An award by a panel on appeal is final. A final 
award is subject to judicial review as provided by applicable law.

Survival and Severability of Terms 
This arbitration provision shall survive changes in this Agreement 
and termination of the account or the relationship between you 
and us, including the bankruptcy of any party and any sale of your 
account, or amounts owed on your account, to another person or 
entity. If any part of this arbitration provision is deemed invalid or 
unenforceable, the other terms shall remain in force, except that 
there can be no arbitration of a class or representative Claim. This 
arbitration provision may not be amended, severed or waived, 
except as provided in this Agreement or in a written agreement 
between you and us.

Rules for rejecting this arbitration provision
You may reject this arbitration provision by sending a written rejection 
notice to us at: P.O. Box 6145, Sioux Falls, SD 57117. Your rejection 
notice must be mailed within 45 days of account opening. Your 
rejection notice must state that you reject the arbitration provision 
and include your name, address, account number and personal 
signature. No one else may sign the rejection notice. Your rejection 
notice will not apply to the arbitration provision(s) governing any other 
account(s) that you have or had with us. Rejection of this arbitration 
provision won’t affect your other rights or responsibilities under this 
Agreement, including use of the account. 

Governing Law and Enforcing our Rights 
Governing Law. Federal law and the law of South Dakota, where we 
are located, govern the terms and enforcement of this Agreement. 
Enforcing this Agreement. We will not lose our rights under this 
Agreement because we delay in enforcing them or fail to enforce 
them. 
Collection Costs. To the extent permitted by law, you are liable 
to us for our legal costs if we refer collection of your account to a 
lawyer who is not our salaried employee. These costs may include 
reasonable attorneys’ fees. They may also include costs and 
expenses of any legal action. 

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2. You must have used your credit card for the purchase. 

Purchases made with cash advances from an A T M or with a 
check that accesses your credit card account do not qualify. 

3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the 
purchase, contact us in writing at the address for billing inquiries and 
correspondence shown on the front of your statement. 
While we investigate, the same rules apply to the disputed amount 
as discussed above. After we finish our investigation, we will tell 
you our decision. At that point, if we think you owe an amount and 
you do not pay, we may report you as delinquent.

© 2020 Citibank, N.A. 

SYW-0120

SYW-0120

Assignment. We may assign any or all of our rights and 
obligations under this Agreement to a third party.
For Further Information
Call us toll-free for further information. Call the toll-free Customer 
Service telephone number shown on the billing statement or on 
the back of your card. You can also call local or toll-free Directory 
Assistance to get our telephone number.

Your Billing Rights:
Keep this Document for Future Use 
This notice tells you about your rights and our responsibilities under 
the Fair Credit Billing Act.
What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at 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 two things: 
1. Within 30 days of receiving your letter, we must tell you that 

we received your letter. We will also tell you if we have already 
corrected the error. 

2. Within 90 days of receiving your letter, we must either correct 
the error or explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:
•  We cannot try to collect the amount in question, or report you as 

delinquent on that amount. 

•  The charge in question may remain on your statement, and we 

may continue to charge you interest on that amount. 

•  While you do not have to pay the amount in question, you are 

responsible for the remainder of your balance.

•  We can apply any unpaid amount against your credit limit.
After we finish our investigation, one of two things will happen:
•  If we made a mistake: You will not have to pay the amount in 
question or any interest or other fees related to that amount.
•  If we do not believe there was a mistake: You will have to pay the 
amount in question, along with applicable interest and fees. We 
will send you a statement of the amount you owe and the date 
payment is due. We may then report you as delinquent if you do 
not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, 
you must write to us within 10 days telling us that you still refuse 
to pay. If you do so, we cannot report you as delinquent without 
also reporting that you are questioning your bill. We must tell you 
the name of anyone to whom we reported you as delinquent, and 
we must let those organizations know when the matter has been 
settled between us.
If we do not follow all of the rules above, you do not have to pay the 
first $50 of the amount you question even if your bill is correct.

Your Rights If You Are Dissatisfied  
With Your Credit Card Purchases

If you are dissatisfied with the goods or services that you have 
purchased with your credit card, and you have tried in good faith to 
correct the problem with the merchant, you may have the right not 
to pay the remaining amount due on the purchase. 
To use this right, all of the following must be true: 
1. The purchase must have been made in your home state or 
within 100 miles of your current mailing address, and the 
purchase price must have been more than $50. (Note: Neither 
of these are necessary if your purchase was based on an 
advertisement we mailed to you, or if we own the company that 
sold you the goods or services.) 

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