903204-0116

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, care fully. 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.

Consumer Purpose Only. Your account must be used only for 
personal, family, or household purposes. You agree that you 
will not use your account for business or commercial purposes. 
However, you still must pay us for any use of the account for 
business or commercial purposes by you or authorized users. 
You must pay us whether or not that use benefited you.

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.

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 is on the card carrier. 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. Part of your credit limit is called the cash advance limit. 
It is available for cash advances. 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.

Checks. We may provide you with convenience checks. You may 
use them to get a cash advance. Use of a convenience check will 
be a cash advance. 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 State-

ment Closing Date. To determine the New Balance, we begin 
with the total balance at the start of the billing cycle. We add 
any purchases 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 uncollec ti ble 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. The additional 
amount appears on the Fact Sheet in the Details About Your 
Interest Rates table. 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.

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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.

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 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 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 have a balance subject to a deferred interest or a 0% 
A P R 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. 
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, 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.)

•  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 or cash 
advance as of the Transaction Date. (The Transaction Date 
for a 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 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 Fact 
Sheet shows the minimum amount we will charge. 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. The Fact Sheet shows 
the amount of this fee. We add this fee for each cash advance. 
You take a cash advance if you use a con ven ience 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.

Transaction Fee for Purchases in Foreign Currency. The Fact 
Sheet shows the amount of this fee, which is a percentage of 
the U.S. dollar amount of the purchase. We add this fee for 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. The Fact Sheet shows the amount of this 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 Mini mum Payment Due (less the 
Amount Over Credit Limit shown on your billing statement) by 
the payment due date. We add this fee to the regular purchase 
balance.

Returned Payment Fee. The Fact Sheet shows the amount 
of this 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 pay ment is returned, even 
if it is not returned upon resub mis sion. We add this fee to the 
regular purchase balance.

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Information on Foreign Currency Conversion
Our network providers are MasterCard, Visa, and American 
Express. 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.

•  American Express uses any conversion rate required by 

applicable law. If there is none, it uses the highest interbank rate 
it selects on the business day before the day it processes the 
transaction.

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 
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 
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 Transaction Date or post date.

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.

To calculate the Minimum Payment Due, we begin with any past 
due amount. We add any amount in excess of your credit limit. 
We add any amount specified in a promotional offer. We also add 
the largest of the following:

•  The Calculated New Balance if it is less than $27;

•  $27 if the Calculated New Balance is at least $27;

•  1% of the Calculated New Balance (the result is rounded down 
to the nearest dollar) plus the amount of your billed interest 
charges on that balance, any minimum interest charge allocated 
to that balance, and any applicable late fee. 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 down 

to the nearest dollar).

The Calculated New Balance equals the New Balance on the 
billing statement less any balances subject 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 
Minimum Payment Due may reflect adjustments to the New 
Balance and is never more than the Calculated New Balance plus 
any additional amount required by a promotional offer. 

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.

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.

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 informa tion sharing 
practices.

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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.

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 INITIATE 
OR PARTICIPATE IN A CLASS ACTION OR SIMILAR 
PROCEEDING. IN ARBI TRA TION, 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 Agreement and this 
arbitration provision. All Claims are subject to arbi tration, 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 inde pend ently 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 indi vid ual (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 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 “F A A”).

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 

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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: w w w . a d r . org

JAMS 
800-352-5267 (toll-free) 
Website: w w w . jams a d r  . 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 F A A 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 resolution 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 F A A 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.

Assignment. We may assign any or all of our rights and 
obligations under this Agreement to a third party.

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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.

Ken Stork  
Vice President

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 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.

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.) 

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. 

After we finish our investigation, one of two things will happen:

3. You must not yet have fully paid for the purchase.

•  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.

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.

© 2016 Citibank, N.A. 

903204-0116

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