CITIGOLD and CITI PRIVATE BANK CHECKING PLUS® (VARIABLE RATE)  
ACCOUNT DISCLOSURE 

RATES AS OF APRIL 1, 2015 

Interest Rates and Interest Charges 

Annual Percentage Rate (APR) for Transactions 

15.25% 
This APR will vary with the market based on the 
Prime Rate. 

Penalty APR and When it Applies 

17.25% 

Paying Interest 

For Credit Card Tips from the Consumer Financial 
Protection Bureau 

This APR will vary with the market based on the 
Prime Rate and may be applied to your account if 
your payment is 60 days late. 

How Long Will the Penalty APR Apply?: If your 
APR is increased because you make a late payment, 
the Penalty APR will apply until you make six 
consecutive minimum payments when due. 

We  will  begin  charging  interest  on  the  transaction 
date. 

To learn more about factors to consider when 
applying for or using a credit card, visit the website of 
the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/creditcard. 

Fees 

Annual Fee 

Transaction Fees 

Penalty Fees 
      Late Payment 

None  

None 

Up to $25 

How We Will Calculate Your Balance:  We use a method called “Daily Balance”.  See your Account 
Agreement for more details. 

Billing Rights:   Information on your rights to dispute transactions and how to exercise those rights is provided 
in your Account Agreement.

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CITIGOLD AND CITI PRIVATE BANK CHECKING PLUS (VARIABLE RATE) ACCOUNT AGREEMENT 

RATES AS OF APRIL 1, 2015 

PRICING 

Rate Index (Variable): 3.25% 
+ Citigold and Citi Private Bank Rate Margin: 12.00%   
= ANNUAL PERCENTAGE RATE: 15.25%   
Simple Interest Rate: 15.25% 

Daily Periodic Rate: 

365-day year: 0.04178% 
366-day year: 0.04167% 

Penalty (Default) Pricing  
Rate Index (Variable): 3.25% 
+ Citigold and Citi Private Bank Penalty (Default) Pricing Rate 
Margin: 14.00%   
= Penalty (Default) Pricing ANNUAL PERCENTAGE RATE: 
17.25%   
Simple Interest Rate: 17.25% 

Account  Communications.  Your  billing  statement  will  be  in 
Spanish.    An  English  copy  is  available  upon  request.    You  may 
receive  notices  and  communications  about  your  account  from  us 
written only in English. 
Availability of Products and Services in Spanish. Some products 
and services provided by Citibank  may be available only in English 
with English documents. 
Customer Service.  You can receive customer service in Spanish 
by  calling  CitiPhone  Banking®  at  the  following  number(s):    In  New 
York, New Jersey, or Connecticut, call 1-800-627-3999; in Texas, call  
1-888-248-4226; in all other markets, call 1-800-274-6660. 

PROMISE TO PAY 
You  promise  to  pay  the  total  of  all  sums  advanced  to  you  by 
using  your  Account  as  permitted  herein  (“loans”),  Interest 
Charges,  and  any  other  charges  other  than  Interest  Charges 
according  to  the  terms  of  this  Agreement.  If  you  have  elected 
Credit Protection, you must pay for it.  

Daily Periodic Rate: 

365-day year: 0.04726% 
366-day year: 0.04713% 

Receipt of this Agreement does not constitute approval of 
your account. 

INTRODUCTION 
This  is  your  Account  Agreement  and  Disclosure  statement 
(“Agreement”). Please read it and keep it for your records. You 
do  not  have  to  sign  this  Agreement.  For  new  Accounts,  it 
automatically  becomes  effective  on  the  date  you  are  notified 
that  your  Checking  Plus  (variable  rate)  Account  has  been 
finally approved.   

In  this  Agreement,  the  words  “you”,  “your”,  and  “yours”  mean 
each person who applied for this Checking Plus (variable rate) 
Account (“Account”), both individually and (when there is more 
than  one  applicant)  jointly  and  in  your  personal  or  (when 
allowed  by  Citibank)  fiduciary  capacity  as  trustee  of  certain 
trusts.  The  words  “we”,  “us”,  “our”  and  “Citibank”  mean 
Citibank,  N.A.  The  words  “your  checking  account”  mean  the 
checking account with us having the same account number as 
your Account. 

SPANISH LANGUAGE PREFERENCE 
This  section  applies  if  you  select  Spanish  as  your  preferential 
language of communication with Citibank.  This preference may not 
be available at all Citibank Branches. 

Account  Agreement  and  Disclosure.  You  will  receive  for  your 
convenience  a  Spanish  translation  along  with  the  English  Account 
Agreement  and  Disclosure.    While  we  have  made  every  effort  to 
ensure that the Spanish translation is correct, it may vary from the 
English.    Therefore,  the  English  version  will  govern  your  account.  
Please keep the official English Account Agreement and Disclosure 
and Spanish translation for your records. 



 BANKING CARD 

CITIBANK
Any  Citibank  Banking  Card  issued  to  you  in  connection  with 
your  checking  account  will  be  linked  to  your  Account.    If  no 
Citibank  Banking  Card  has  been  issued  to  you  in  connection 
with your checking account, one will be issued to you.  You can 
use the Citibank Banking Card to borrow from, make payments 
to and get information about your Account. 

USING YOUR ACCOUNT 
There  is  no  pre-established  time  limit  for  your  use  of  this 
Account.  You may take a loan from your Account by: 
1.  Using  your  Citibank  Banking  Card®  at  any  Citibank 
Automatic  Teller  Machine  (ATM)  location:    You  may 
use  your  Citibank  Banking  Card  to  obtain  a  loan  directly 
from your Account. 

2.  Overdrawing  your  checking  account:    If  you  overdraw 
your  checking  account,  you  will  have  automatically 
requested  a  loan  from  your  Account.    We  will  make  the 
loan  to  you  by  transferring  from  your  Account  to  your 
checking  account,  the  amount  needed  to  cover  your 
overdraft, and any applicable fees, rounded up to the next 
$100 increment.   

3.  Requesting  a  transfer  from  your  Account  to  your 
deposit  account:    If  you  wish  to  transfer  funds  from this 
Account  to  your  Citibank  checking,  savings,  or  Money 
Market account, you may use your Citibank Banking Card 
at any Citibank ATM location, or you can transfer funds by 
phone  using  CitiPhone  Banking®  or  online 
through 
CitibankOnline.com.   

Checks  drawn  against  uncollected  funds  in  your  checking 
account will be honored only up to your available credit limit.  

CREDIT LIMIT 
You agree not to borrow more money from your Account than 
is  available  under  your  credit  limit.    Your  credit  limit  is  the 
amount  we  notify  you  from  time  to  time  is  the  maximum 
amount  you  may  borrow  under  this  Account.  We  are  not 
obligated  to  pay  your  checks  or  make  additional  loans  to  you 
on your Account if you have reached, or if paying the check or 
making  the  loan  would  cause  you  to  exceed,  your  credit  limit.  

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However, if we do, the loan will be subject to the terms of this 
Agreement.    You  will  pay  any  amount  over  your  credit  limit 
immediately at our request.  

We reserve the right to decrease or increase your credit limit at 
any  time  by  giving  you  written  notice.    If  we  offer  you  an 
increase  in  your  maximum  credit  line,  your  use  of  any  of  the 
increased  credit  will  mean  you  have  accepted  our  offer,  and 
the  terms  of  this  Agreement  will  extend  to  the  full  amount 
offered. 

INTEREST CHARGE 
Interest  Charges  will  be  assessed  on  your  Account  for  any  billing 
period by applying the Daily Periodic Rate for the billing period to the 
Daily Principal Balance of your Account (defined below) for each day 
in  the  billing  period  in  which  you  have  any  outstanding  principal 
balance. Interest Charges are totaled at the end of each billing period 
and disclosed on your current billing statement as “Interest Charge”. 
The Daily Periodic Rate and the corresponding Annual Percentage 
Rate are shown on Page 1 of this Agreement. 

Your  billing  statement  will  disclose  a  "Balance  Subject  to  Interest 
Rate".  This is the Average Daily Balance for the billing period. The 
Average Daily Balance is determined by totaling the Daily Principal 
Balance of your Account at the close of each day of the billing period 
and dividing the total by the number of days in the billing period. 

The Daily Principal Balance of your Account reflects payments and 
other  credits,  loans  and  other  charges  posted  to  your  Account  on 
each day of the billing period. The Daily Principal Balance does not 
include  any  unpaid  Interest  Charges  and  does  not  include  Credit 
Protection  Charges,  or  other  charges  other  than  Interest  Charges 
(described below), added to your Account that billing period.  

Interest Charges are assessed on loans and other debits beginning 
on the day we pay your check or otherwise make funds available to 
you through your Account. Charges other than Interest Charges not 
previously  billed,  and  accrued  and  unpaid  Interest  Charges  are 
excluded from the outstanding balance on which the periodic Interest 
Charge is calculated. However, charges other than Interest Charges 
not  paid  when  billed  may  be  added  to  the  outstanding  balance  of 
your Account on which the periodic Interest Charge is calculated. 

VARIABLE RATE FEATURE 
Your Account has a variable rate feature, and the Annual Percentage 
Rate will be determined and will vary based upon an Index plus the 
Rate  Margin.    If  the  Index  or  the  Rate  Margin  increases,  the  Daily 
Periodic  Rate  and  the  Annual  Percentage  Rate  will  increase,  and 
your monthly Minimum Payment due may increase. If the Index or 
the Rate Margin decreases, the daily Periodic Rate and the Annual 
Percentage rate will decrease, and your monthly Minimum Payment 
due  may  decrease.  The  “Daily  Periodic  Rate”  for  each  day  in  the 
billing period is determined by dividing the Annual Percentage Rate 
for the Account by 365, except in leap years when it will be divided by 
366. 

The  Index  shall  be  the  prime  rate  of  interest  as  published  in  the 
“Money  Rates”  Section  of  The  Wall  Street  Journal  on  the  first 
business  day  of  each  month,  regardless  of  when  such  rates  were 
quoted by the Commercial Banks to The Wall Street Journal. In the 
event  more  than  one  prime  rate  is  published  by  The  Wall  Street 
Journal for any applicable day, the highest rate published shall apply. 

The Index so determined shall be effective for any billing period that 
begins on or after the first business day of the month from which the 
index  was selected.  However, the Index for your first billing period 

will  be  the  Index  in  effect  on  the  date  your  Account  application  is 
approved. 

The  Rate  Margin  is  the  percentage  amount,  added  to  each  Index 
figure to arrive at the Annual Percentage Rate and the Daily Periodic 
Rate.  Your  Rate  Margin  will  be  the  Citigold  and  Citi  Private  Bank 
Rate Margin as disclosed on Page 1 of this Agreement. 

The  Annual  Percentage  Rates  currently  in  effect  and  any 
subsequent changes to them will appear on your billing statement.  
Any  changes  in  your  Annual  Percentage  Rate  will  apply  to  all 
outstanding balances as permitted by applicable law.   

Penalty (Default) Pricing: Your Annual Percentage Rate may also 
vary if  you default under this Agreement because you fail to make 
payments to us.  In the event your account becomes 60 days past 
due  we  may  increase  your  Annual  Percentage  Rate  by  increasing 
your  Rate  Margin  to  the  Citigold  and  Citi  Private  Bank  Penalty 
(Default)  Pricing  Rate  Margin  as  disclosed  on  Page  1  of  this 
Agreement  effective  after  we  send  you  any  notice  required  by 
applicable law.  Your Account will become eligible for the lower non 
Penalty (Default) Pricing Rate Margin used to compute your Annual 
Percentage  Rate  after  you  have  made  six  consecutive  Minimum 
Payments by the due date shown on the applicable billing statement 
following the effective date of the rate increase.  

CHARGES OTHER THAN INTEREST CHARGES 
The following charges may be added to the balance of your Account 
if  they  are  not  paid  when  billed.  They  are  nonrefundable.  You  will 
owe  them  once  they  are  billed or  charged to  your  Account even  if 
your  Account  is  subsequently  closed,  suspended  or  terminated  for 
any reason. 

Late Charge: Unless we receive your Minimum Payment due within 
10  days  after  the  payment  due  date  as  stated  on  your  billing 
statement, you agree to pay a Late Charge of $25 however, the Late 
Charge will never exceed your Minimum Payment Due. 

Credit Protection Charges:   You  are  not  required  to  purchase 
Credit  Protection  for  your  Account.    If  Credit  Protection  is 
offered,  and  you  have  elected  to  purchase  it,  you  will  receive 
an  addendum  to  this  Agreement  in  the  form  of  a  Credit 
Protection Agreement and Authorization which will set forth the 
terms and conditions of the Credit Protection service.  We may 
cancel your Credit Protection coverage if you are in Default on 
your Account.  

BILLING 
We  will  send  you  a  billing  statement  for  each  monthly  billing 
period  when  there  is  a  debit  or  credit  balance  of  more  than 
$1.00,  or  when  an  Interest  Charge  has  been  imposed.  The 
billing  statement  will  reflect  transactions  in  your  Account  and 
your  New  Balance.  You  can  pay  the  New  Balance  in  full  or 
defer  payment,  in  which  case  you  must  pay  the  Minimum 
Payment due. All payments must be received by the payment 
due date shown on your billing statement.  We will not make a 
loan under this Account to make a Minimum Payment.  

MINIMUM PAYMENT 
You agree that before the payment due date shown on the statement 
you will pay at least the Minimum Payment as shown on the billing 
statement.  The  Minimum  Payment  for  a  billing  period  includes  the 
following amounts: 
•  The unpaid balance of the Account at the close of the billing period 

divided by 60. 

•  Interest Charges that accrued during the billing period; and 

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•  Charges  other  than  Interest  Charges  added  to  your  Account 

during the billing period. 

If  the  sum  of  these  three  items  is  less  than  $10.00,  your 
Minimum Payment will be $10.00 or the total balance owed on 
your  Account,  whichever  is  less.  In  addition,  the  Minimum 
Payment will include the sum of any amounts past due and any 
amounts over your credit limit that we have requested that you 
pay immediately. 

TERMS OF REPAYMENT 
Your  Account  has  Citibank  Auto  Deduct,  an  automatic 
deduction  feature.    The  Minimum  Payment  due  on  your 
Account  is  debited  from  your checking  account  2 days  before 
the  Minimum  Payment  due  date  or  anytime 
thereafter, 
depending  on  whether  there  are  funds  available  in  your 
checking  account.    If  you  want  to  make  the  payment  by 
another  method,  you  must  make  the  Minimum  Payment  at 
least 15 days before the Minimum Payment due date to avoid 
having  the  Minimum  Payment  debited  directly  from  your 
checking account, and such payment should be accompanied 
by your payment ticket.  We may withhold, at our discretion, a 
balance  of  the  available  credit  on  your  Account  up  to  the 
amount of any payments you make, to assure that the check or 
other  payment  instrument  is  honored.    If  payment  of  the 
Minimum  Payment  is  not  made  through  automatic  deduction 
for  any  reason,  you  must  make  the  Minimum  Payment  by the 
Minimum  Payment  due  date  shown  on  your  statement.    If  for 
any  reason  we  discontinue  the  automatic  deduction  of  the 
Minimum Payment from your checking account, we reserve the 
right  to  terminate  access  to  your  Account  and  your  available 
credit will be reduced to zero.  If you ask us to discontinue the 
automatic  deduction  of  the  Minimum  Payment  from  your 
checking  account,  we  will  close  your  Account  and  you  must 
carry  out  all  of  the  terms  of  this  Agreement  and  any  changes 
under it until your Account is fully repaid.  If you do not do so 
we  can  declare  the  outstanding  balance  of  your  account 
immediately  due  and  payable  without  prior  notice  to  you, 
unless applicable law requires that we provide notice and/or a 
right to cure the default. 
We  reserve  the  right  to  determine  the  manner  in  which  any 
payments on your Account will be applied, subject to applicable laws 
and regulations. 

You may prepay your Account balance in full or in part at any time 
without penalty. 

CREDIT BALANCES 
Except  for  inadvertent  overpayments,  you  may  not  maintain 
credit  balances  in  your  Account.  We  will  not  pay  interest  on 
any credit balance in your Account. You may request payment 
in  full  of  any  credit  balance  by  writing  to  us  at  the  address 
shown  on  your  billing  statement.  We  will  not  refund  any  final 
credit balance of less than $1.00 unless you request that we do 
so. 

CREDIT REPORTS AND CREDIT REPORTING 
You  understand  and  agree  that  we  may  obtain  credit  reports 
for credit applications and for updates, renewals or extensions 
of  the  credit  granted.  Upon  request,  we  will  inform  you  if  a 
report  has  been  obtained  and  will  give  you  the  name  and 
address  of  the  agency  that  furnished  the  report.  You  also 
agree  that  we  may  obtain  and  use  credit  reports  and  other 
information  about  you  that  we  have  obtained  in  a  lawful 
manner  consistent  with  our  privacy  policies,  for  subsequent 
solicitations  or  for  any  other  lawful  purposes.  You  also 

authorize  us  to  report  information  concerning  your  Account  to 
credit bureaus and to anyone else we believe in good faith has 
a legitimate need for such information. 

CANCELLATION AND CHANGES TO CREDIT LIMIT 
You  may  cancel  your  Account  at  any  time  by  sending  us  a 
letter  identifying  your  Account  and  asking  us  to  cancel  it. 
However, you remain responsible to pay the balance according 
to the terms of this Agreement and any changes under it. We 
may  close  your  Account,  reduce  your  credit  limit,  or  suspend 
your Account privileges at any time.  

ACCOUNT CHARGES AND DEDUCTIONS 
In addition to any charges provided for in this Agreement, you 
agree that for each check or other withdrawal which results in a 
loan,  you  will  incur  the  same  charge  (if  any)  which  would  be 
imposed under the terms of your checking account for a check 
or  withdrawal  not  resulting  in  a  loan  under  the  Account.    You 
agree that any checking account charges or fees which may be 
deducted  from  your  checking  account  balances  (such  as  per-
check  charges  or  shared  network  ATM  fees,  maintenance 
charges  and  charges  for  returned  items  and  stop  payments), 
and  also  any  payments  you  have  authorized  to  be  deducted 
periodically from your checking account, may be paid by loans 
under  the  Account  whenever  funds  in  your  checking  account 
are  not  sufficient  to  cover  these  charges  and  payments  when 
due. 



 BANKING CARD ACCESS 

CITIBANK
If  you  use  your  Citibank  Banking  Card  to  obtain  a  loan  from 
your  Account,  your  rights  and  responsibilities  may  also  be 
governed by the Account Agreement and Disclosure which you 
received with your Citibank Banking Card. 

DEFAULT 
You will be in Default under this Agreement if any one or more of the 
following should occur: 
•  You do not make the proper payment when due. 
•  You die. 
•  You become the subject of a voluntary or involuntary bankruptcy 

proceeding or other proceeding for the relief of debtors. 

•  Any bank account or other property of yours is the subject of an 

attachment, execution, or other levy. 

•  You are in Default under the terms and conditions of this or any 

note, agreement, or contract with us or any of our affiliates. 

•  We determine that you are no longer creditworthy. 
•  If your checking account, or any checking account substituted for 

it, is closed by you or by us. 

If you are in Default, we can then refuse to extend more credit to you 
under the Agreement and/or demand that you pay the outstanding 
balance  under  your  Account  at  once.    After  Default,  you  agree  to 
continue  to  carry  out  all  of  the  terms  of  this  Agreement  and  any 
changes under it until your Account is fully repaid. If you do not do so, 
we can declare the outstanding balance of your Account immediately 
due  and  payable  without  prior  notice  to  you,  unless  applicable  law 
requires that we provide notice and/or a right to cure the default. 

COLLECTION COSTS 
If you do not pay us as required by this Agreement, we may incur 
collection  costs.  You  promise  to  pay  all  collection  costs,  including 
reasonable  outside  attorney’s  fees  and  court  costs  we  incur  in 
collecting  this  Account  to  the  extent  permitted  by  law.  We  can  bill 
these costs to your Account.  

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CHANGE IN TERMS 
We have the right to change any part of this Agreement at any time, 
including the Annual Percentage Rate, and can add or delete fees, 
and  other  provisions  relating  to  your  Account,  and  to  the  nature, 
extent and enforcement of the rights and obligations you may have 
under  this  Agreement.  If  permitted  by  applicable  law,  the  change 
may be applied to any Account balance outstanding on the effective 
date of the change.  If required by law, we will give you written notice 
that will explain what is being changed prior to the effective date of 
any change. 

WAIVER 
We  may  choose  not  to  make  use  of  any  of  our  rights  under  this 
Agreement  or  otherwise  legally  available  to  us  on  one  or  more 
occasions, or delay or partially exercise such rights, without waiving 
any of our rights or amending any of your obligations. 

CHANGE OF NAME OR ADDRESS 
You agree to notify us of any change in your name or address. You 
may do so on the front of the payment ticket of your billing statement, 
or by other written notice sent to us at the address shown on the front 
of  the  payment  ticket  of  your  billing  statement.  Notices  sent 
elsewhere (for example, to any of our Branches) may not reach us. 

GOVERNING LAW 
If you (1) applied for the Account at one of our Branches 
(ATMs are not Branches) or (2)  reside in  CA, CT, DC, FL, 
IL, MA, MD, NJ, NV, NY, SD, VA or TX, on the date you 
applied for the Account; then  

This Agreement is governed by Federal Law and the laws of 
the State of South Dakota for all matters related to interest and 
the exportation of interest. For all other matters, this 
Agreement is governed by Federal Law and to the extent not 
preempted by Federal Law or otherwise inapplicable, the laws 
of the state in which the Citibank Branch where you applied for 
the Account is located, or, if not applied for at a Citibank, 
Branch, the state in which you reside on the date you applied 
for the Account.  In either case, state conflict of law provisions 
will not apply.  Without limiting the foregoing: (a) to the extent 
Maryland law applies, this Agreement is governed by Title 12, 
Subtitle 9 of the Maryland Commercial Law Article; and (b) to 
the extent New Jersey law applies, this Agreement is governed 
by the Market Rate Consumer Loan Act.  

If you reside in states other than those listed above on the 
date you applied for the Account, and you did not apply 
for the Account at one of our Branches (ATMs are not 
branches); then  

This Agreement is governed by and interpreted in accordance 
with Federal Law and to the extent Federal Law does not 
apply, by the laws of the State of South Dakota except for its 
conflict of law provisions. 

CONTAINS 

IMPORTANT 

ARBITRATION 
RESOLUTION  OF  DISPUTES  BY  ARBITRATION:  THIS 
INFORMATION 
SECTION 
REGARDING  YOUR  CHECKING  PLUS  (VARIABLE  RATE) 
ACCOUNT  AND  THE  SERVICES  RELATED  THERETO.    IT 
PROVIDES  THAT  EITHER  YOU  OR  WE  CAN  REQUIRE 
THAT  ANY  DISPUTES  BE  RESOLVED  BY  BINDING 
ARBITRATION.  ARBITRATION  REPLACES  THE  RIGHT  TO 
GO TO COURT, INCLUDING THE RIGHT TO A JURY TRIAL 
AND  THE  RIGHT  TO  PARTICIPATE  IN  A  CLASS  ACTION 
IN  ARBITRATION,  THE 
OR  SIMILAR  PROCEEDING. 

DISPUTE  IS  SUBMITTED  TO  A  NEUTRAL  PARTY,  AN 
ARBITRATOR, 
INSTEAD  OF  A  JUDGE  OR  JURY. 
ARBITRATION  PROCEDURES  ARE  SIMPLER  AND  MORE 
LIMITED THAN RULES APPLICABLE IN COURT.  

Agreement  to  Arbitrate  Disputes.  Either  you  or  we  may 
elect,  without  the  other’s  consent,  to  require  that  any  dispute 
between  us  concerning  your  Citibank  deposit,  Checking  Plus, 
Checking  Plus  (variable  rate),  Custom  Credit  Line,  Ready 
Credit  or  Secured  Ready  Credit  accounts,  except  those 
disputes  specifically  excluded  below,  be  resolved  by  binding 
arbitration.  

Disputes  Covered  by  Arbitration.  Any  claim  relating  to  or 
arising out of your Citibank deposit, Custom Credit Line, Ready 
Credit, Secured Ready Credit, Checking Plus (variable rate), or 
Checking  Plus  account,  or  our  relationship  will  be  subject  to 
arbitration.  All  disputes  are  subject  to  arbitration,  no  matter 
what  legal  theory  they  are  based  on,  or  what  remedy 
(damages,  or  injunctive  or  declaratory  relief)  they  seek.  
Disputes 
include  any  unresolved  claims  concerning  any 
services  relating  to such  account,  including,  without limitation, 
safe deposit box services, wire transfer services, and use of a 
Citibank Banking Card or Citibank Banking Card displaying the 
MasterCard  logo.  Disputes  include  not  only  claims  made 
directly  by  you,  but  also made  by  anyone connected  with you 
or  claiming  through  you,  such  as  a  joint  account  holder, 
representative,  agent, 
account  beneficiary,  employee, 
in 
predecessor  or  successor,  heir,  assignee,  or  trustee 
bankruptcy.    Disputes  include  not  only  claims  that  relate 
directly  to  Citibank,  but  also  its  parent,  affiliates,  successors, 
assignees,  employees,  and  agents,  and  claims  for  which  we 
may be directly or indirectly liable, even if we are not properly 
named at the time the claim is made. Disputes include claims 
based  on  any  theory  of  law,  contract,  statute,  regulation,  tort 
(including  fraud  or  any  intentional  tort),  or  any  other  legal  or 
equitable  ground,  and 
claims  asserted  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  dispute  advanced  in  that 
proceeding  by  any  other  party.    Disputes  include  claims 
made as part of a class action, private attorney general or 
other representative action, it being expressly understood 
and  agreed  to  that  the  arbitration  of  such  claims  must 
proceed  on  an  individual  (non-class,  non-representative) 
basis  and  the  arbitrator  may  award  relief  only  on  an 
individual  (non-class,  non-representative)  basis.    Disputes 
also 
the  enforceability  or 
interpretation  of  any  of  these  arbitration  provisions.    Any 
questions  about  whether  disputes  are  subject  to  arbitration 
shall be resolved by interpreting this arbitration provision in the 
broadest way the law will allow it to be enforced. 

include  claims 

relating 

include 

to 

Disputes Excluded from Arbitration. Disputes filed by you or 
by  us  individually  in  a  small  claims  court  are  not  subject  to 
arbitration,  so  long  as  the  disputes  remain  in  such  court  and 
advance  only  an  individual  (non-class,  non-representative) 
claim for relief.  

Commencing  an  Arbitration.  The  arbitration  must  be  filed 
with  one  of  the  following  neutral  arbitration  forums  and  follow 
initiating  and  pursuing  an 
its  rules  and  procedures  for 
arbitration:  American  Arbitration  Association  or  JAMS.  If  you 
initiate the arbitration, you must notify us in writing at Citibank, 
Litigation/Arbitration  Unit,  One  Court  Square,  43rd  Floor/Zone 

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10, Long Island City, NY 11120. If we initiate the arbitration, we 
will notify you in writing at your last known address on file. You 
may obtain a copy of the arbitration rules for these forums, as 
well  as  additional  information  about  initiating  an  arbitration  by 
contacting these arbitration forums: 

American Arbitration Association 
1-800-778-7879 (toll-free) 
Website:  www.adr.org 

JAMS 
1-800-352-5267 (toll-free) 
Website:  www.jamsadr.com 

The arbitration shall be conducted in the same city as the U.S. 
District Court closest to your home address, unless the parties 
agree to a different location in writing. 

Administration  of  Arbitration.  The  arbitration  shall  be 
decided  by  a  single,  neutral  arbitrator.    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  forum.    The  arbitrator  shall  follow  procedures  and 
rules of the arbitration forum in effect on the date the arbitration 
is filed unless those rules and procedures are inconsistent with 
this arbitration provision, in which case this arbitration provision 
will prevail.  Those provisions 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 by us.  
The  arbitrator  shall  decide  the  dispute  in  accordance  with 
the  Federal 
applicable  substantive 
Arbitration Act and applicable statutes of limitations, will honor 
claims of privilege recognized at law, and will be empowered to 
award  any  damages  or  other  relief  provided  for  under 
applicable law.  The arbitrator will not have the power to award 
relief  to,  or  against,  any  person  who  is  not  a  party  to  the 
arbitration.  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.  Your or we may choose to 
have a hearing and be represented by counsel.  The decision 
rendered  by  the  arbitrator  shall  be  in  writing;  however,  the 
arbitrator  need  not  provide  a  statement  of  his  reasons  unless 
one is requested by you or us.  

law  consistent  with 

fees  and  costs  will  be  allocated 

Costs.  The  party  initiating  the  arbitration  shall  pay  the  initial 
filing fee. If you file the arbitration and an award is rendered in 
your favor, we will reimburse you for your filing fee. If there is a 
hearing, we will pay the fees and costs for the first day of that 
hearing.  All  other 
in 
accordance  with  the  rules  of  the  arbitration  forum.  However, 
we  will  advance  or  reimburse  filing  and  other  fees  if  the 
arbitrator  rules  that  you  cannot  afford  to  pay  them  or  finds 
other good cause for requiring us to do so, or if you ask us and 
we  determine  there  is  good  reason  for  doing  so.    Each  party 
shall  bear  the  expense  of  their  respective  attorneys,  experts, 
and witnesses and other expenses, regardless of who prevails, 
but a party may recover any or all expenses from another party 
if the arbitrator, applying applicable law, so determines.  

No  Class  Action  or  Joinder  of  Parties.  You  and  we  agree 
that  no  class  action,  private  attorney  general  or  other 

representative  claims  may  be  pursued  in  arbitration,  nor  may 
such  action  be  pursued  in  court  if  either  you  or  we  elect 
arbitration. Unless mutually agreed to by you and us, claims of 
two  or  more  persons  may  not  be  joined,  consolidated,  or 
otherwise  brought  together  in  the  same  arbitration  (unless 
those  persons  are  joint  account  holders  or  beneficiaries  on 
your  account  and/or  related  accounts,  or  parties  to  a  single 
transaction or related transaction); this is so whether or not the 
claim may have been assigned. 

Right  to  Resort  to  Provisional  Remedies  Preserved. 
Nothing herein shall be deemed to limit or constrain our right to 
resort to self-help remedies, such as the right of set-off or the 
right to restrain funds in an account, to interplead funds in the 
event of a dispute, to exercise any security interest or lien we 
may  hold  in  property,  or  to  comply  with  legal  process,  or  to 
obtain  provisional 
relief, 
remedies  such  as 
attachment,  or  garnishment  by  a  court  having  appropriate 
jurisdiction;  provided,  however,  that  you  or  we  may  elect  to 
arbitrate any dispute related to such provisional remedies.  

injunctive 

Arbitration  Award.    The  arbitrator’s  award  shall  be  final  and 
binding  unless  a  party  appeals  it  in  writing  to  the  arbitration 
forum  within  fifteen  days  of  notice  of  the  award.    The  appeal 
must request a new arbitration before a panel of three neutral 
arbitrators  selected  in  accordance  with  the  rules  of  the  same 
arbitration forum.  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  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 
intervention  or  review  only  to  the  extent  allowed  under  the 
Federal  Arbitration  Act  or  other  applicable  law.    A  party  may 
seek to have a final and binding award entered as a judgment 
in any court having jurisdiction. 

Governing  Law.  You  and  we  agree  that  our  relationship 
includes  transactions  involving  interstate  commerce  and  that 
these  arbitration  provisions  are  governed  by,  and  enforceable 
under,  the  Federal  Arbitration  Act.  To  the  extent  state  law  is 
applicable,  the  laws  of  the  state  governing  your  account 
relationship apply. 

Severability,  Survival.  These  arbitration  provisions  shall 
survive  (a)  termination  or  changes  to  your  deposit,  Checking 
Plus (variable rate), Checking Plus, Custom Credit Line, Ready 
Credit,  or  Secured  Ready  Credit  accounts,  or  any  related 
services  we  provide;  (b)  the  bankruptcy  of  any  party;  and  (c) 
the  transfer  or  assignment  of  your  deposit,  Checking  Plus 
(variable  rate),  Checking  Plus,  Custom  Credit  Line,  Ready 
Credit  or  Secured  Ready  Credit  accounts,  or  any  related 
services  we  provide. 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.  

JOINT ACCOUNTS 
If  this  is  a  joint  account,  each  of  you  will  be  jointly  and 
individually  liable  for  the  obligations  in  this  Agreement.   You 
authorize us to act on the instruction of any one or more of you 
without getting permission from or providing notice to any other 

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• 

• 

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. 

party.   Upon  request  by  any  party  to  the  Account  or  upon 
receipt of inconsistent instructions, we may, at our sole option 
and  without  notice  to  any  other  party,  refuse  to  pay  any  loan 
request, refuse any other request with respect to the Account, 
or  cancel  the  Account.  We  may  send  account  materials  (e.g. 
statements, notices) to any one of you and that person will be 
responsible  for  delivering  the  materials  to  the  other  joint 
account holders.  Notice to any of you will be considered notice 
to all of you. 

ENTIRE AGREEMENT AND SEVERABILITY 
This  Agreement  is  the  entire  agreement  between  you  and  us 
concerning your Account. Except as otherwise provided herein, 
should  any  provision  of  this  Agreement  be  determined  by  a 
court  of  competent  jurisdiction  to  be  invalid  or  unenforceable 
under  any  law,  rule  or  regulation,  that  determination  will  not 
affect the validity or enforceability of any other provision of this 
Agreement. 

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 listed on 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  or  e-mail  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 our 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: 

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