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CARD AGREEMENT

This Card Agreement is your contract with us. It governs 
the use of your card and account. The pricing information
table is part of this Agreement. Please read this Agreement,
including the pricing information table, carefully. Keep them
for your records.

Definitions
account means the relationship established between you and
us by this Agreement.
APR means an annual percentage rate.
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.
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. You must pay us for all charges made by
authorized users. You must pay us even if you did not intend
to be responsible for those charges. You must notify us to
withdraw any permission you give to an authorized user to
use your account.
Credit Limit. The full amount of your credit limit is available
to use where the card is honored. Part of your credit limit 
is called the cash advance limit. It is available for cash ad-
vances. 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. If there is an
offer available at account opening, the Citi Disclosures will
describe the terms of that offer. If we make an offer after 
your account is opened, the offer will describe the terms. 
All balance transfers are subject to the standard purchase
APR unless a promotional rate applies.
PrePaid Phone Service. You can use the AT&T PrePaid
Phone Service feature of your account to make up to thirty
(30) minutes of AT&T calling and two (2) directory assistance
calls per month. You can also use your card to buy more
phone minutes. See the AT&T PrePaid Phone Service Terms
and Conditions Agreement that follows this Agreement for
more information on the AT&T PrePaid Phone Service.
Checks. We may provide you with balance transfer checks.
You may use them to transfer a balance to your account 
or make other transactions. We may also provide you with
cash convenience checks. You may use them to get a cash
advance. Use of a cash convenience check will be a cash
advance even if you use the check to make a payment to
another creditor. You may not use balance transfer checks 
or cash 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 State-
ment Closing Date. To determine the New Balance, we begin
with the total balance at the start of the billing period. 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.
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 uncollecti-
ble or start collection proceedings; but we may continue to
add interest and fees as permitted by law.

APRs

Account APRs. For the APRs on your account, see the
pricing information table.
Variable 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 an additional amount. The additional amount
appears on the Fact Sheet in the Details About Your Interest
Rate table. 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 pub-
lish the Prime Rate, we will use a similar published rate.
Penalty APR. The Penalty APR may be applied to your
account if you:

• make a late payment or
• make a payment that is returned.

We set your Penalty APR based on your creditworthiness.
If the Penalty APR is applied to your account because you
make a late payment that is not more than 60 days late or
make a payment that is returned, it will apply only to new
transactions and may continue to apply indefinitely. However,
if the Penalty APR is applied to your account because your
payment is more than 60 days late, the Penalty APR will apply
to both existing and new transactions. It will no longer apply
to existing transactions if you make the next six consecutive
minimum payments when due. If you do not make these six
consecutive minimum payments, the Penalty APR may con-
tinue to apply to both new and existing balances indefinitely.
Effect of APR Increases. If an APR increases, interest charges
increase. Your minimum payment may increase as well.

Interest Charges Based on APRs

Interest Charges. We impose interest charges when we 
apply APRs to your account balances. We do this every day
by using a daily periodic rate. To get a daily periodic rate, we
divide the APR by 365.
When Interest Charges Begin. We begin to impose interest
charges the first day we add a charge to a daily balance. The
charges we add to a daily balance include 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 23 days. To get a grace period 
on purchases, you must pay the New Balance in full by the
due date every billing period. If you do not, you will not get 
a grace period until you pay the New Balance in full for two
billing periods in a row. Certain balance transfer offers may
take away the grace period on purchases. If that is the case,

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the balance transfer offer will describe what happens.
Calculation of Interest Charges—Daily Balance Method
(Including Current Transactions). We calculate interest
charges each billing period. To do this:

• We start with each of your different balances. These
balances include, for example, standard purchases,
standard cash advances, and different promotional
balances. (When we calculate interest charges, we 
treat balance transfers as standard purchases unless 
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
period. 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 period.

When we calculate daily balances, we add a purchase as of
the Sale Date on the billing statement. We add a balance
transfer or cash advance as of the Post Date on the billing
statement. (The Post Date is the date we get a request to
complete a balance transfer or cash advance transaction.
When you send a balance transfer or cash convenience check
directly to someone, the Post Date is the date we receive the
check for payment.) We add a transaction fee to the same
balance as the transaction. We generally add other fees to the
standard purchase balance. We subtract a payment or credit
as of the day it is credited to the account and then make other
adjustments. We treat a credit balance as a balance of zero.
Balance Subject to Interest Rate. Your statement shows 
a Balance Subject to Interest Rate. It shows this for each
different balance. The Balance Subject to Interest Rate is 
the average of the daily balances during the billing period. 
A billing period begins on the day after the Statement Closing
Date of the previous billing period. It includes the Statement
Closing Date of the current billing period.

Fees

Annual Membership Fee. If an annual membership fee
applies, the pricing information table shows it. We will 
refund this fee if you notify us that you are closing your
account within 30 days of the mailing or delivery date of the
statement on which the fee appears. The fee is otherwise
non-refundable.

Transaction Fee for Balance Transfers. The pricing
information table shows the amount of this fee. We add this
fee for each balance transfer. This fee is in addition to any
periodic fee that may be imposed with a promotional offer.
You make a balance transfer when you use a balance transfer
check or contact us to transfer a balance.
Transaction Fee for Cash Advances. The pricing information
table shows the amount of this fee. We add this fee for each
cash advance. You take a cash advance if you use a cash
convenience check; get money through an automated teller
machine (ATM); 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.
Transaction Fee for Foreign Purchases. The pricing informa-
tion table shows the amount of this fee, which is a percent-
age of the U.S. dollar amount of the purchase. We add this
fee for each purchase made outside the U.S., whether made
in U.S. dollars or in a foreign currency.
Late Fee. We may add a late fee for each billing period 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 is based on your account balance as of the payment
due date. The fee will be $15 on balances up to $100; or $25
on balances of $100 and over. However, for any additional past
due payment during the next six billing periods after a past
due payment, the fee will be $15 on balances up to $100; $29
on balances of $100 up to $250; or $35 on balances of $250
and over. The fee will not exceed the amount permitted by law.
Returned Payment Fee. We may add a returned payment fee
for a returned payment. A returned payment is an electronic
debit, payment check, or similar payment instrument, that 
is returned unpaid. We may add this fee the first time your
payment is returned, even if it is not returned upon resubmis-
sion. The fee will be $25; or $35 for any additional returned
payment during the next six billing periods after a returned
payment. However, the fee will not exceed the amount per-
mitted by law.
Stop Payment on Cash Convenience Check Fee. We add a
$39 fee if we honor your request to stop payment on a cash
convenience check. To stop payment on a cash convenience
check write us at P.O. Box 6500, Sioux Falls, South Dakota
57117. You can also call the Customer Service number on 
the billing statement. If you call, you must confirm the call in
writing within 14 days. A written stop payment order is good
for 6 months unless renewed in writing.

Information on Foreign 
Currency Conversion
Our network providers are MasterCard or Visa. They convert
transactions in foreign currencies into U.S. dollars. The type
of card you have determines who does the conversion. Each
network provider follows its own procedures. Each network
provider’s current procedures are described below. The
procedures may change from time to time without notice.
• 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.

• Visa uses a conversion rate in effect on its applicable

central processing date. It uses a government-mandated
rate if required to do so. If not, it selects from the range
of rates available in wholesale currency markets. The
selected rate may vary from the rate Visa receives.
A third party may convert a transaction into U.S. dollars or
another currency before sending it to our network provider. 
In these cases, the third party selects the conversion rate.
If you take a cash advance in a foreign currency at a branch
or ATM of one of our affiliates, an affiliate of ours will convert
it into U.S. dollars. 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 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 transac-
tion’s processing date. This may be different from the one in
effect on the transaction’s Sale Date or Post Date.

Payments
Minimum Payment Due. You must pay at least the Minimum
Payment Due by the payment due date each billing period.
The sooner you pay the New Balance, the less you will pay in
interest charges.
To calculate the Minimum Payment Due, we begin with 
any past due amount. We then add any amount in excess of
your credit limit. We also 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 (the result is rounded down 
to the nearest dollar) plus the amount of your billed
interest charges, any applicable late fee, and any
applicable minimum interest charge; or

• 1.5% of the New Balance (the result is rounded down 

to the nearest dollar).

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When we calculate the Minimum Payment Due, we may
subtract from the New Balance certain fees added to your
account during the billing period. We may also include in the
Minimum Payment Due any additional amount specified in 
a promotional offer. The balance of any such promotional
offer is not included in the four bullets above. The Minimum
Payment Due is never more than the New Balance.
Application of Payments. Payments in excess of the Mini-
mum Payment Due are applied in accordance with law. This
means that we will generally apply payments in excess of the
Minimum Payment Due to balances with higher APRs before
balances with lower APRs. We generally apply payments
equal to or less than the Minimum Payment Due and credits
to lower APR balances first.
Payment Instructions. We credit your payments in accor-
dance 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.
Optional Pay by Phone Service. You may use our optional
Pay by Phone Service to make your payment by phone. To do
so, call us to request the service. You agree to pay us the Pay
by Phone fee shown in the Pay by Phone section on the back
of the billing statement when a representative of ours helps
expedite your payment. Our representatives are trained to tell
you this amount when you use this service.

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 Agree-
ment from time to time as permitted by law. The changes
may add, replace, or remove provisions of this Agreement.
We will give you advance written notice of the changes and
a right to opt out to the extent required by law.

Default

You default under this Agreement if you fail to pay the
Minimum Payment Due by its due date; pay by a check or
similar instrument that is not honored or that we must return
because it cannot be processed; pay by electronic debit that
is returned unpaid; file for bankruptcy; or default under any
other Card Agreement that you have with us. If you default,
we may close your account and, to the extent permitted by
law, demand immediate payment of the total balance. If you
gave us a security interest in a Certificate of Deposit, we may
use the deposit amount to pay any amount you owe.

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 Cash Con-
venience and Balance Transfer 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.

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 ARBI-
TRATION, A DISPUTE IS RESOLVED BY AN ARBITRATOR
INSTEAD OF A JUDGE OR JURY. ARBITRATION PROCE-
DURES 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 Agree-
ment 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 counterclaims, 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, 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,

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agent, representative, affiliated company, predecessor or
successor, heir, assignee, or trustee in bankruptcy.
What time frame applies to Claims subject to arbitration?
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 interpreting 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.
What about debt collections? We and anyone to whom we
assign your debt will not initiate an arbitration proceeding to
collect a debt from you unless you assert a Claim against us
or our assignee. We and any assignee may seek arbitration
on an individual basis of any Claim asserted by you, whether
in arbitration or any proceeding, including in a proceeding to
collect a debt. You may seek arbitration on an individual basis
of any Claim asserted against you, including in a proceeding
to collect a debt.

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
JAMS. 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
800-778-7879 (toll-free)
Website: www.adr.org
JAMS
800-352-5267 (toll-free)
Website: www.jamsadr.com

At any time you or we may ask an appropriate court to
compel 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 Agree-
ment 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 recognized at law, and will have
the power to award to a party any damages or other relief
provided for under applicable law. You or we may choose to
have a hearing and be represented by counsel. The arbitrator
will make any award in writing and, if requested by you or us,
will provide a brief statement of the reasons for the award. An
award in arbitration shall determine the rights and obligations
between the named parties only, and only in respect of the
Claims in arbitration, and shall not have any bearing on the
rights and obligations of any other person, or on the resolu-
tion of any other dispute.
Who pays? Whoever files the arbitration pays the initial filing
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 arbi-
trator 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 proceeding
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 arbitrator. 
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
arbitration 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.

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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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.

Richard Aguilar
Senior Vice President
and Business Manager

Citibank, N.A.
P.O. Box 6000
Sioux Falls, SD 57117

Your Billing Rights: Keep this Document for Future Use
This notice tells you about your rights and our responsibil-
ities 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 organiza-
tions 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.

1. (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.)

2. You must have used your credit card for the purchase.
Purchases made with cash advances from an ATM or
with a check that accesses your credit card account do
not qualify.

3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied
with the purchase, contact us in writing at 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.

AT&T PREPAID PHONE SERVICE TERMS
AND CONDITIONS AGREEMENT

By using the AT&T PrePaid Phone Service (“PrePaid Service”)
feature of your AT&T Universal Card (“Card”) to use or buy phone
minutes, you consent to the terms, conditions, rates and charges
below and in the service guide at www.att.com/prepaidguide; also
available from Customer Care at 1-800-303-9189.
01. Minute value applies to state-to-state calls only. A surcharge
not to exceed 7 minutes applies to U.S. pay phone calls, a
portion of which compensates pay phone providers. One
minute billing increments. Partial minutes used are billed as
full minutes. International rates are higher than state-to-state
rates, differ according to destination called and can change.
Rates may be higher for calls made to or from mobile phones.

02. For calls that begin and end in the same state, minutes are

deducted at these rates per minute of talk time: 1 minute: DC,
IL, IN, MA, NM, RI, TX, U.S.VI; 3 minutes: AL, AR, CA, CT,
DE, GA, HI, KS, KY, LA, MD, ME, MI, MS, NE, NJ, NV, NY, OH,
OR, PR, SC, TN, UT, WI, WV; 5 minutes: AK, AZ, CO, FL, IA,
ID, MN, MT, NC, NH, OK, PA, VA, VT, WA, WY; 8 minutes:
MO, ND, SD.

03. The PrePaid Service can be used to place the following types
to calls: in-state and state-to-state where service provider is
authorized to carry such calls; outbound international calls
from the U.S. to over 200 locations around the world; and
inbound international calls to the U.S. and from country to
country outside the U.S. from select countries with the use 
of the AT&T USADirect ® Service. Call Customer Care for 
international calling information before you leave the U.S. 
The PrePaid Service cannot be used for toll free calls, calls

13

14

15

AUCPRICA0911

04. for paid services with premium charges or for operator han-
dled calls. Except for the 2 directory assistance inquiries per
month provided with your Card, directory assistance rates 
are higher than state-to-state rates.

04. Safeguard your Card. You are responsible for any loss or

unauthorized use of any promotional or purchased minutes
residing on the PrePaid Service feature of your Card.
05. Service provider makes no warranty, express or implied,
regarding the condition or fitness of the services offered 
for any particular use or purpose. As permitted by law, the
liability of service provider shall be limited to direct damages
for any personal or property injury, and for all other claims 
to an amount equal to the charge for the affected services. 
IN NO EVENT WILL SERVICE PROVIDER, ITS EMPLOYEES,
AGENTS OR ANY COOPERATING SERVICE PROVIDERS BE
LIABLE FOR ANY PUNITIVE, SPECIAL, INDIRECT, RELIANCE,
INCIDENTAL OR CONSEQUENTIAL DAMAGES.

06. The exclusive remedy for all disputes arising out of purchase
or use of phone minutes through the PrePaid Service feature
of your Card, except for those taken to small claims court, is
arbitration. YOUR DISPUTE WILL NOT BE HEARD BY A JURY
OR IN COURT AND MAY NOT BE MADE PART OF A CLASS
ACTION. Arbitration does not apply to California residents for
disputes arising in California.

07. Your PrePaid Service access may be suspended or terminated
without notice if service provider has reason to suspect fraud-
ulent use. Promotional phone minutes provided with your
Card are limited to 30 minutes per month, are non-refundable
and expire if not used during that month. Purchased phone
minutes are non-refundable, and do not expire. If your Card
account is closed by you or the Card issuer for any reason,
the PrePaid Service feature will no longer be available to you
except for any phone minutes purchased by you until such
minutes are depleted.

08. Recharge minutes may have different rates, surcharges and

terms and conditions and are not refundable. Service provider
reserves the right to impose a maximum U.S. dollar value or
number of minutes that may reside on the PrePaid Service
feature of your Card.

09. Unresolved complaints may be directed to the appropriate
state regulatory agency in the state where the promotional
phone minutes were received or the prepaid phone minutes
were purchased.

10. Service provided by AT&T or affiliate; by AT&T Alascom in

Alaska. Service provided where authorized.

© 2011 Citibank, N.A.
AUCPRICA0911

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Pricing Information Table 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

0% up to 29.99% 

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

APR for Cash Advances 

0% up to 29.99% 

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

Penalty APR and When it 
Applies 

Up to 29.99%, based on your creditworthiness.  This APR will vary with the market 
based on the Prime Rate. 

This APR may be applied to your account if you: 

(1)  Make a late payment or 

(2)  Make a payment that is returned. 

How Long Will the Penalty APR Apply?  If your APRs are increased for either of 
these reasons, we will lower the Penalty APR if you make 6 consecutive minimum 
payments on time and do not do either (1) or (2) above on any account you have 
with us during that time period. 

Paying Interest 

Your due date is at least 23 days after the close of each billing cycle.  We will not 
charge you any interest on purchases if you pay your entire balance by the due date 
each month.  We will begin charging interest on cash advances and balance transfers 
on the transaction date. 

Minimum Interest Charge 

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

How We Calculate Your 
Balance  

Daily Balance 

Fees 

Annual Fee 

$0 up to $90 

Transaction Fees 

•  Balance Transfer 

•  Cash Advance 

•  Foreign Purchase 
Transaction 

Either $5 up to $99 or 3% up to 9.99% of the amount of each transfer, whichever is 
greater.   

Either $10 or 5% of the amount of each cash advance, whichever is greater. 

3% of each purchase transaction in US dollars.     

Penalty Fees 

•  Late Payment 

•  Returned Payment 

Up to $35 

Up to $35 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
1C 

Details About Your Interest Rates and 
Interest Calculations 

Daily Periodic Rate 

For variable rates: 
U.S. Prime Rate Plus 

Purchases   

Cash Advances 

Penalty APR 

0 % up to 0.08216% 

0% up to 26.74% 

0 % up to 0.08216% 

0% up to 26.74% 

Up to 0.08216% 

Up to 26.74% 

Variable 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.  

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.