TOR-EXM-0120

CARD AGREEMENT

This Card Agreement is your contract with us. It governs the use 
of your card and account. The Supplemental Pricing Information 
(“Supplement”) is part of this Agreement. Please read this 
Agreement, including the Supplement, carefully. Keep them for 
your records.

Definitions
account means the relationship established between you and us 
by this Agreement.

A P R means an annual percentage rate.

authorized user means any person you allow to use your 
account.

card means one or more cards or other access devices that 
we give you to get credit under this Agreement. This includes 
account numbers.

we, us, and our mean Citibank, N.A., the issuer of your account. 
Citibank, N.A. is located in Sioux Falls, SD.

you, your, and yours mean the person who applied to open 
the account. It also means any other person responsible for 
complying with this Agreement.

Your Account

You agree to use your account in accordance with this 
Agreement. You must pay us for all amounts due on your 
account. This Agreement is binding on you unless you close your 
account within 30 days after receiving the card and you have not 
used or authorized use of the card. Your account must only be 
used for lawful transactions. 

Authorized Users. You may request cards for authorized users. 
You must pay us for any charges they make even if you did 
not intend to be responsible for those charges. You agree that 
they may receive information about the account, subject to any 
limitations we impose. You must tell us if you no longer want 
them 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. We may reduce or increase your credit 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.

Billing Statement. Your billing statement shows the New 
Balance. This is the total amount you owe us on the Statement 
Closing Date. To determine the New Balance, we begin with 
the total balance at the start of the billing cycle. We add any 
purchases. 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 your 
interest charges and fees. 

We deliver a billing statement to only one address. You must 
notify Customer Service of a change in address. We may stop 
sending you statements if we deem your account uncollectible or 
start collection proceedings; but we may continue to add interest 
and fees as permitted by law.

A P Rs

Variable A P R Based on Prime. See the Supplement for 
information about the A P Rs that apply to your account. If any 
A P R is based on the U.S. Prime Rate (“Prime Rate”), the A P R will 
equal the Prime Rate plus an additional amount. If the Prime Rate 
increases, it will cause the A P R to increase. If the Prime Rate 
decreases, it will cause the A P R to decrease. For each billing 
cycle we use the Prime Rate published in The Wall Street Journal 
two business days before the Statement Closing Date. If the 
Prime Rate causes an A P R to change, we put the new A P R into 
effect as of the first day of the billing cycle for which we calculate 
the A P R. We apply the new A P R to any existing balances, subject 
to any promotional rate that may apply. If The Wall Street Journal 
does not publish the Prime Rate, we will use a similar published 
rate. 

Purchase A P R. See the Supplement. 

Effect of A P R Increases. If an A P R increases, interest charges 
increase. Your minimum payment may increase as well.

Promotions
From time to time, we may make promotional offers for all or a 
part of any balances. A promotional offer may apply for a limited 
period of time. Each promotional offer will be governed by the 
terms of that offer and this Agreement. We will tell you the terms 
applicable to a promotional offer at the time we offer it to you.

For example:

•  We may offer you a promotional A P R on a specific purchase. 
The promotional A P R will apply for a specific period of time 
and then expire to a higher A P R (which may be lower than the 
regular purchases A P R). Before you make a purchase subject 
to the offer, we will tell you the promotional A P R and how long 
it will apply. We will also tell you the A P R that will apply after 
the promotional A P R expires. We call this type of promotional 
offer a “Special Rate Plan.” 

•  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. 
We will impose interest charges on the deferred interest 

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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. We call this type of promotional offer a 
“Deferred Interest Plan.” 

•  We may offer you a promotional A P R on a specific purchase. 
The promotional A P R will apply so long as any portion of that 
purchase balance remains on the account. We call this type of 
promotional offer a “Major Purchase Plan.” 

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, 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. This is called a grace period on purchases. The grace 
period is at least 25 days. To get a grace period on purchases, 
you must pay the New Balance by the payment due date every 
billing cycle. If you do not, you will not get a grace period until you 
pay the New Balance for two billing cycles in a row.

You do not need to pay certain promotional purchase balances in 
full by the payment due date each month to get a grace period on 
your other purchase balances. On a particular payment due date, 
you do not need to pay the following types of purchase balances 
in full (“excluded balances”) to keep your grace period, as long 
as you pay in full all other purchase balances on the account by 
that due date: 

•  a Deferred Interest Plan balance if the promotional period does 

not expire on or before that due date; 

•  a Special Rate Plan balance; and 

•  a Major Purchase Plan balance.

However, you must still pay any separately required minimum 
monthly payment on each excluded balance. In billing cycles in 
which payments are allocated to Deferred Interest Plan balances 
first, those Deferred Interest Plan balances 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 every billing cycle. 

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 and balances in 
different promotional plans. (When we calculate interest 
charges, we treat each Deferred Interest Plan balance 
separately even if it has the same terms as another Deferred 
Interest Plan balance.) 

•  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 as of the 
Transaction Date. The Transaction Date is shown 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 
charge will be no less than $2. We add the charge to the regular 
purchase balance or allocate it among one or more of the 
balances that accrues interest.

Balance Subject to Interest Rate. Your statement shows a 
Balance Subject to Interest Rate. It shows this for each different 
balance. The Balance Subject to Interest Rate is the average of 
the daily balances during the billing cycle. A billing cycle begins 
on the day after the Statement Closing Date of the previous billing 
cycle. It includes the Statement Closing Date of the current billing 
cycle.

Fees

Transaction Fee for Major Purchase Plans. For Major 
Purchase Plans entered into prior to July 1, 2020, the following 
terms apply. For each purchase made under a Major Purchase 
Plan promotion when your minimum payment will pay off the 
promotional balance in 24 to 41 months, we add a major 
purchase plan fee of $49 to the Major Purchase Plan purchase 
amount. For each purchase made under a Major Purchase 
Plan promotion when your minimum payment will pay off the 
promotional balance after more than 41 months, we add a major 
purchase plan fee of $149 to the Major Purchase Plan purchase 
amount. For Major Purchase Plans entered into on or after July 
1, 2020 the following terms apply. For each purchase made 
under a Major Purchase Plan promotion when your minimum 
payment will pay off the promotional balance in 18 to 23 months, 
we add a major purchase plan fee of $50 to the Major Purchase 
Plan purchase amount. For each purchase made under a Major 
Purchase Plan promotion when your minimum payment will pay 
off the promotional balance after more than 23 months, we add 
a major purchase plan fee of $150 to the Major Purchase Plan 
purchase amount.

Late Fee. We may add a late fee for each billing cycle in which 
you have a past due payment. For late fee purposes, you have a 
past due payment any time you fail to pay the Minimum Payment 
Due by the payment due date. The fee will be $29; or $40 for 
any additional past due payment during the next six billing cycles 
after a past due payment. However, the fee will not exceed 

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the amount permitted by law. We add this fee to the regular 
purchase balance.

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. 

Minimum Payment Due. To calculate the Minimum Payment 
Due each billing cycle, we begin with any past due amount. Then 
we add the amount due on each Major Purchase Plan balance, 
plus any amount required by the Promotion Calculation, plus any 
amount due on each Special Rate Plan balance. We also add the 
largest of the following:

•  The Calculated New Balance if it is less than $29;

•  $29 if the Calculated New Balance is at least $29; or

•  1% of the Calculated New Balance plus the amount of your 

billed interest charges on that balance, any minimum interest 
charge allocated to that balance, and any applicable late fee 
(the result is rounded up to the nearest dollar). However, we 
subtract interest charges that accrued during prior billing 
cycles on a Deferred Interest Plan balance that ended during 
the billing cycle covered by the statement.

The Calculated New Balance equals the New Balance on the 
billing statement, less any Major Purchase Plan balances, the 
Promotion Calculation and any Special Rate Plan balances.

The Minimum Payment Due may reflect adjustments to the New 
Balance. The Minimum Payment Due is never more than the 
Calculated New Balance plus three amounts. The first is any 
amount required by a Major Purchase Plan. The second is any 
amount required by the Promotion Calculation. The third is any 
amount required by a Special Rate Plan.

Major Purchase Plan. The Minimum Payment Due will include 
any amount due on a Major Purchase Plan balance. You must 
pay the amount due on a Major Purchase Plan balance, as 
described below, for so long as any portion of that balance 

remains in that Major Purchase Plan. However, the amount due 
on a Major Purchase Plan balance will never be more than the 
amount of that balance on the Statement Closing Date. 

The amount due on each Major Purchase Plan balance each 
billing cycle is determined as follows:

•  The purchase amount, plus 

•  Interest charges calculated on the daily balance from the 

date of purchase through the end of the promotional period 
(assuming that you pay the Minimum Payment Due on your 
account each month on the due date), the sum of which is 
divided by 

•  The number of months in the promotional period. (The result is 

rounded up to the nearest dollar.) 

The formula we use for determining the amount described 
directly above is: 

•  the purchase amount, multiplied by 

•  (A P R / 12 ) / (1-(1 + A P R / 12 )-N), rounded up to the nearest 

dollar. “A P R” equals the specific A P R applicable to the 
purchase amount, and “N” equals the number of months in 
the promotional period. 

Promotion Calculation. The Minimum Payment Due will include 
any amount required by the Promotion Calculation. If you have a 
Deferred Interest Plan subject to the Promotion Calculation, the 
Promotion Calculation will equal 1% of this balance during the 
promotion period. (The result is rounded up to the nearest cent.) 
After the promotion period, any such remaining promotional 
balance will be included in the Calculated New Balance. The 
Promotion Calculation will apply if, based on the amount of the 
transaction as shown on the first statement that displays the 
transaction and the dollar amount in the Minimum Payment Due 
calculation in effect at the time of the transaction, we determined 
that paying such dollar amount each billing cycle would result 
in repayment of the promotional balance before the end of the 
promotion period. 

Special Rate Plan. The Minimum Payment Due will include any 
amount due on a Special Rate Plan balance. The amount due on 

each Special Rate Plan balance equals 1% of the Special Rate 
Plan balance, plus the amount of your billed interest charges on 
that balance, if any, and any minimum interest charge allocated 
to that balance. (The result is rounded up to the nearest dollar.) 
You must pay the amount due on a Special Rate Plan balance as 
described above until that balance is paid in full. 

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 Plan expires are 
applied to the Deferred Interest Plan balance first in the last two 
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 accordance 
with our payment instructions on the billing statement. You must 
pay us in U.S. dollars. To do so, you must use a check, similar 
instrument, or electronic debit that is drawn on and honored 
by a bank in the U.S. Do not send cash. We can accept late or 
partial payments, or payments that reflect “paid in full” or other 
restrictive endorsements, without losing our rights. We also 
reserve the right to accept payments made in foreign currency 
and instruments drawn on funds on deposit outside the U.S. If 
we do, we select the currency conversion rate. We will then credit 
your account in U.S. dollars after deducting any costs incurred in 
processing your payment. Or we may bill you separately for these 
costs.

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. We may also obtain follow-up 
credit reports on you.

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If you think we reported incorrect information to a credit 
bureau, write us at the Customer Service address on the billing 
statement. We will investigate the matter. We will then tell you 
if we agree or disagree with you. If we agree with you, we will 
contact each credit bureau to which we reported and request a 
correction. If we disagree with you, we will tell you that.

Information Sharing

You authorize us to share information about you as permitted 
by law. This includes information we get from you and others. It 
also includes information about your transactions with us. Please 
see our Privacy Notice for details about our information sharing 
practices.

Changes to this Agreement

We may change the rates, fees, and terms of this 
Agreement from time to time as permitted by law. The 
changes may add, replace, or remove provisions of this 
Agreement. We will give you advance written notice of the 
changes and a right to opt out to the extent required by 
law.

Default
You default under this Agreement if you fail to pay the Minimum 
Payment Due by its due date; go over your credit limit; pay by a 
check or similar instrument that is not honored or that we must 
return because it cannot be processed; pay by electronic debit 
that is returned unpaid; file for bankruptcy; or fail to comply with 
the terms of this Agreement. If you default, we may close your 
account and, to the extent permitted by law, demand immediate 
payment of the total balance.

Refusal of the Card, Closed Accounts,  
and Related Provisions

Refusal of the Card. We do not guarantee approval of 
transactions. We are not liable for transactions that are not 
approved. That is true even if you have enough credit. We may 
limit the number of transactions approved in one day. If we 
detect unusual or suspicious activity, we may suspend your credit 
privileges.

Preauthorized Charges. We may suspend any automatic or 
other preauthorized card charges you arrange with a third party. 
We may do this if you default; if the card is lost or stolen; or 
we change your account for any reason. If we do this, you are 
responsible for paying the third party directly if you wish to do so. 
You are also responsible for reinstating the preauthorized charges 
if you wish to do so and we permit it.

Lost or Stolen Cards or Account Numbers. You must call us 
if any card or account number is lost or stolen. You must also 
call us if you think someone used or may use them without 
permission. When you call, we may require you to provide 
information to help our investigation. We may require you to 
provide this information in writing. For example, we may ask you 
to identify any charges that were not made by you or someone 
authorized by you. We may also ask you to confirm that you 
received no benefit from those charges.

Closing Your Account. You may close your account by notifying 
us in writing or over the phone. If you close your account, 
you must still repay the total balance in accordance with this 
Agreement. We may also close your account or suspend account 
privileges at any time for any reason. We may do this without 
prior notice to you. We may also reissue a different card at any 
time. You must return any card to us upon request.

Protections for Active Duty  
Service Members and Their Dependents 
Protections. Federal law provides important protections to 
members of the Armed Forces and their dependents relating 
to extensions of consumer credit. In general, the cost of 
consumer credit to a member of the Armed Forces and his 
or her dependent may not exceed an annual percentage 
rate of 36 percent. This rate must include, as applicable to 
the credit transaction or account: The costs associated with 
credit insurance premiums; fees for ancillary products sold 
in connection with the credit transaction; any application fee 
charged (other than certain application fees for specified credit 
transactions or accounts); and any participation fee charged 
(other than certain participation fees for a credit card account). 

You are entitled to these protections if you are a Covered 
Borrower, as defined below. 

Covered Borrower. You are a Covered Borrower if, in connection 
with the opening of your account, we determine you are an active 
duty member of the Armed Forces (including active Guard and 
Reserve duty) or a dependent of an active duty member. You 
will cease to be a Covered Borrower if we determine you are no 
longer an active duty member of the Armed Forces (including 
active Guard and Reserve duty) or a dependent of an active duty 
member. 

Oral Disclosures. If you are a Covered Borrower, you may obtain 
information related to your account, including information about 
these protections and your payment obligation, by calling 1-877-
625-6379. 

Arbitration. The section of the Card Agreement entitled 
“ARBITRATION” does not apply if you are a Covered 
Borrower at the time your account is opened.

ARBITRATION

PLEASE READ THIS PROVISION OF THE AGREEMENT 
CAREFULLY.

THIS SECTION PROVIDES THAT DISPUTES MAY BE 
RESOLVED BY BINDING ARBITRATION. ARBITRATION 
REPLACES THE RIGHT TO GO TO COURT, HAVE A JURY 
TRIAL OR INITIATE OR PARTICIPATE IN A CLASS ACTION. 
IN ARBITRATION, DISPUTES ARE RESOLVED BY AN 
ARBITRATOR, NOT A JUDGE OR JURY. ARBITRATION 
PROCEDURES ARE SIMPLER AND MORE LIMITED THAN 
IN COURT. THIS ARBITRATION PROVISION IS GOVERNED 
BY THE FEDERAL ARBITRATION ACT (F A A), AND SHALL 
BE INTERPRETED IN THE BROADEST WAY THE LAW WILL 
ALLOW.

Covered claims

•  You or we may arbitrate any claim, dispute or controversy 

between you and us arising out of or related to your account, a 
previous related account or our relationship (called “Claims”).

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•  If arbitration is chosen by any party, neither you nor we 

will have the right to litigate that Claim in court or have a 
jury trial on that Claim. 

Except as stated below, all Claims are subject to arbitration, 
no matter what legal theory they’re based on or what remedy 
(damages, or injunctive or declaratory relief) they seek, including 
Claims based on contract, tort (including intentional tort), fraud, 
agency, your or our negligence, statutory or regulatory provisions, 
or any other sources of law; Claims made as counterclaims, 
cross-claims, third-party claims, interpleaders or otherwise; 
Claims made regarding past, present, or future conduct; and 
Claims made independently or with other claims. This also 
includes Claims made by or against anyone connected with us 
or you or claiming through us or you, or by someone making a 
claim through us or you, such as a co-applicant, authorized user, 
employee, agent, representative or an affiliated/parent/subsidiary 
company.

Arbitration limits
•  Individual Claims filed in a small claims court are not subject to 
arbitration, as long as the matter stays in small claims court. 

•  We won’t initiate arbitration to collect a debt from you unless 

you choose to arbitrate or assert a Claim against us. If 
you assert a Claim against us, we can choose to arbitrate, 
including actions to collect a debt from you. You may arbitrate 
on an individual basis Claims brought against you, including 
Claims to collect a debt.

•  Claims brought as part of a class action, private attorney 

general or other representative action can be arbitrated only 
on an individual basis. The arbitrator has no authority to 
arbitrate any claim on a class or representative basis and may 
award relief only on an individual basis. If arbitration is chosen 
by any party, neither you nor we may pursue a Claim as part 
of a class action or other representative action. Claims of 2 or 
more persons may not be combined in the same arbitration. 
However, applicants, co-applicants, authorized users on a 
single account and/or related accounts, or corporate affiliates 
are here considered as one person.

How arbitration works

•  Arbitration shall be conducted by the American Arbitration 

Association (“A A A”) according to this arbitration provision and 
the applicable A A A arbitration rules in effect when the claim is 
filed (“A A A Rules”), except where those rules conflict with this 
arbitration provision. You can obtain copies of the A A A Rules at 
the A A A’s website (w w w . a d r . org) or by calling 800-778-7879. 
You or we may choose to have a hearing, appear at any hearing 
by phone or other electronic means, and/or be represented by 
counsel. Any in-person hearing will be held in the same city as 
the U.S. District Court closest to your billing address.

•  Arbitration may be requested any time, even where there is a 
pending lawsuit, unless a trial has begun or a final judgment 
entered. Neither you nor we waive the right to arbitrate by 
filing or serving a complaint, answer, counterclaim, motion, or 
discovery in a court lawsuit. To choose arbitration, a party may 
file a motion to compel arbitration in a pending matter and/or 
commence arbitration by submitting the required A A A forms 
and requisite filing fees to the A A A.

•  The arbitration shall be conducted by a single arbitrator in 

accord with this arbitration provision and the A A A Rules, which 
may limit discovery. The arbitrator shall not apply any federal 
or state rules of civil procedure for discovery, but the arbitrator 
shall honor claims of privilege recognized at law and shall take 
reasonable steps to protect account information and other 
confidential information of either party if requested to do so. 
The arbitrator shall apply applicable substantive law consistent 
with the F A A and applicable statute of limitations, and may 
award damages or other relief under applicable law.

•  The arbitrator shall make any award in writing and, if requested 
by you or us, may provide a brief statement of the reasons for 
the award. An arbitration award shall decide the rights and 
obligations only of the parties named in the arbitration, and shall 
not have any bearing on any other person or dispute.

Paying for arbitration fees
•  We will pay your share of the arbitration fee for an arbitration 
of Claims of $75,000 or less if they are unrelated to debt 
collection. Otherwise, arbitration fees will be allocated 

according to the applicable A A A Rules. If we prevail, we may 
not recover our arbitration fees, unless the arbitrator decides 
your Claim was frivolous. All parties are responsible for their 
own attorney’s fees, expert fees and any other expenses, 
unless the arbitrator awards such fees or expenses to you or 
us based on applicable law.

The final award

•  Any award by an arbitrator is final unless a party appeals it 
in writing to the A A A within 30 days of notice of the award. 
The arbitration appeal shall be determined by a panel of 3 
arbitrators. The panel will consider all facts and legal issues 
anew based on the same evidence presented in the prior 
arbitration, and will make decisions based on a majority vote. 
Arbitration fees for the arbitration appeal shall be allocated 
according to the applicable A A A Rules. An award by a panel 
on appeal is final. A final award is subject to judicial review as 
provided by applicable law.

Survival and Severability of Terms
This arbitration provision shall survive changes in this Agreement 
and termination of the account or the relationship between 
you and us, including the bankruptcy of any party and any 
sale of your account, or amounts owed on your account, to 
another person or entity. If any part of this arbitration provision 
is deemed invalid or unenforceable, the other terms shall 
remain in force, except that there can be no arbitration of a 
class or representative Claim. This arbitration provision may 
not be amended, severed or waived, except as provided in this 
Agreement or in a written agreement between you and us.

Rules for rejecting this arbitration provision
You may reject this arbitration provision by sending a written 
rejection notice to us at: P.O. Box 790340, St. Louis, MO 
63179. Your rejection notice must be mailed within 45 days 
of account opening. Your rejection notice must state that you 
reject the arbitration provision and include your name, address, 
account number and personal signature. No one else may sign 
the rejection notice. Your rejection notice will not apply to the 
arbitration provision(s) governing any other account(s) that you 
have or had with us. Rejection of this arbitration provision won’t 

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affect your other rights or responsibilities under this Agreement, 
including use of the account.

Governing Law and Enforcing our Rights
Governing Law. Federal law and the law of South Dakota, where we 
are located, govern the terms and enforcement of this Agreement.

Enforcing this Agreement. We will not lose our rights under 
this Agreement because we delay in enforcing them or fail to 
enforce them.

Collection Costs. To the extent permitted by law, you are liable 
to us for our legal costs if we refer collection of your account 
to a lawyer who is not our salaried employee. These costs may 
include reasonable attorneys’ fees. They may also include costs 
and expenses of any legal action. 

Assignment. We may assign any or all of our rights and 
obligations under this Agreement to a third party.

For Further Information
Call us toll-free for further information. Call the toll-free Customer 
Service telephone number shown on the billing statement or on 
the back of your card. You can also call local or toll-free Directory 
Assistance to get our telephone number. 

Your Billing Rights: 
Keep this Document for Future Use

This notice tells you about your rights and our responsibilities 
under the Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at the 
address for billing inquiries and correspondence shown on the 
front of your statement.

In your letter, give us the following information:

•  Account information: Your name and account number.

•  Dollar amount: The dollar amount of the suspected error.

•  Description of problem: If you think there is an error on your 

bill, describe what you believe is wrong and why you believe it 
is a mistake.

You must contact us:

•  Within 60 days after the error appeared on your statement.

•  At least 3 business days before an automated payment is 
scheduled if you want to stop payment on the amount you 
think is wrong.

You must notify us of any potential errors in writing. You may call 
us, but if you do we are not required to investigate any potential 
errors and you may have to pay the amount in question.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must tell you that 

we received your letter. We will also tell you if we have already 
corrected the error.

2. Within 90 days of receiving your letter, we must either correct 
the error or explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:

•  We cannot try to collect the amount in question, or report you 

as delinquent on that amount.

•  The charge in question may remain on your statement, and we 

may continue to charge you interest on that amount.

•  While you do not have to pay the amount in question, you are 

responsible for the remainder of your balance.

•  We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

•  If we made a mistake: You will not have to pay the amount in 
question or any interest or other fees related to that amount.

•  If we do not believe there was a mistake: You will have to pay 
the amount in question, along with applicable interest and 
fees. We will send you a statement of the amount you owe 
and the date payment is due. We may then report you as 
delinquent if you do not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, 
you must write to us within 10 days telling us that you still refuse 
to pay. If you do so, we cannot report you as delinquent without 

also reporting that you are questioning your bill. We must tell you 
the name of anyone to whom we reported you as delinquent, and 
we must let those organizations know when the matter has been 
settled between us. 

If we do not follow all of the rules above, you do not have to 
pay the first $50 of the amount you question even if your bill is 
correct.

Your Rights If You Are Dissatisfied  
With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have 
purchased with your credit card, and you have tried in good faith 
to correct the problem with the merchant, you may have the right 
not to pay the remaining amount due on the purchase. 

To use this right, all of the following must be true:

1. The purchase must have been made in your home state or 
within 100 miles of your current mailing address, and the 
purchase price must have been more than $50. (Note: Neither 
of these are necessary if your purchase was based on an 
advertisement we mailed to you, or if we own the company 
that sold you the goods or services.)

2. You must have used your credit card for the purchase. 

Purchases made with cash advances from an A T M or with a 
check that accesses your credit card account do not qualify. 

3. You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied 
with the purchase, contact us in writing at the address for 
billing inquiries and correspondence shown on the front of your 
statement. 

While we investigate, the same rules apply to the disputed 
amount as discussed above. After we finish our investigation, 
we will tell you our decision. At that point, if we think you owe an 
amount and you do not pay, we may report you as delinquent.

© 2020 Citibank, N.A. 

TOR-EXM-0120

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