904101B-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, 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.

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 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. 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 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 
or cash advances. We subtract any credits or payments. We then 
add any interest charges or fees and make other adjustments. 

Your billing statement also shows your transactions; the Minimum 
Payment Due and payment due date; your credit limit and cash 
advance limit; and your interest charges and fees. 

We deliver a billing statement to only one address. You must 
notify Customer Service of a change in address. We may stop 
sending you statements if we deem your account uncollectible or 
start collection proceedings; but we may continue to add interest 
and fees as permitted by law. 

A P Rs

Variable A P Rs Based on Prime. See the Supplement for 
information about the A P Rs that apply to your account. If any 
A P R is based on the U.S. Prime Rate (“Prime Rate”), the A P R 
will equal the Prime Rate plus an additional amount. If the Prime 
Rate increases, it will cause the A P R to increase. If the Prime Rate 
decreases, it will cause the A P R to decrease. For each billing cycle 
we use the Prime Rate published in The Wall Street Journal two 
business days before the Statement Closing Date. If the Prime 
Rate causes an A P R to change, we put the new A P R into effect as 
of the first day of the billing cycle for which we calculate the A P R. 
We apply the new A P R to any existing balances, subject to any 
promotional rate that may apply. If The Wall Street Journal does not 
publish the Prime Rate, we will use a similar published rate.

Effect of A P R Increases. If an A P R increases, interest charges 
increase. Your minimum payment may increase as well. 

Promotions
We may offer promotional terms for all or a part of any balances. 
Any promotional terms may apply for a limited period of time. 
They will be governed by the terms of the promotional offer 
and this Agreement. Your promotional terms will end when the 
promotional period expires. 

If a promotional offer is a deferred interest offer, no interest 
charges will be imposed on the deferred interest balance if you 
pay the balance in full by the end of the promotional period for 
that deferred interest balance. We will impose interest charges 

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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.

Calculation of Interest Charges – Daily Balance Method 
(Including Current Transactions). We calculate interest 
charges each billing cycle. To do this:

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.

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.

•  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 
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 

Fees 
Annual Membership Fee. If an annual membership fee applies, 
the Supplement shows it. We will refund this fee if you notify us 
that you are closing your account within 30 days of the mailing or 
delivery date of the statement on which the fee appears. The fee 
is otherwise non-refundable. If this fee applies, we add it to the 
regular purchase balance. 

Transaction Fee for Cash Advances. You take a cash 
advance if you use a convenience check; get money through an 
automated teller machine (A T M); or get money through home 
banking or a financial institution. You also take a cash advance 
if you make a wire transfer; buy a money order, traveler’s check, 
lottery ticket, casino chip, or similar item; or engage in a similar 
transaction. For each cash advance we add a transaction fee of 
5% of the amount of the cash advance, but not less than $10. 

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 $27; or $37 for 
any additional past due payment during the next six billing cycles 
after a past due payment. However, the fee will not exceed 
the amount permitted by law. We add this fee to the regular 
purchase balance. 

Returned Payment Fee. We may add a returned payment fee 
for a returned payment. A returned payment is an electronic 
debit, payment check, or similar payment instrument, that is 
returned unpaid. We may add this fee the first time your payment 
is returned, even if it is not returned upon resubmission. The fee 
will be $27; or $37 for any additional returned payment during 
the same or next six billing cycles after a returned payment. 
However, the fee will not exceed the amount permitted by law. 
We add this fee to the regular purchase balance. 

Returned Convenience Check Fee. We may add a returned 
convenience check fee for a returned convenience check. A 
returned convenience check is any convenience check we do 

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not honor. We may not honor these checks if the amount of the 
check would cause the balance to go over the cash advance limit 
or credit limit. We also may not honor these checks if you default; 
if you did not comply with our instructions regarding the check; 
if your account has been closed; or for other reasons. The fee 
will be $27; or $37 for any returned convenience check during 
the same or next six billing cycles after a returned convenience 
check. However, the fee will not exceed the amount permitted by 
law. We add this fee to the regular cash advance balance. 

Information on Foreign Currency Conversion
If you make a purchase in Canada in Canadian dollars, Exxon Mobil 
Corporation (through its settlement agent, currently Citibank, N.A.) 
converts the amount into U.S. dollars. The settlement agent follows 
its foreign currency conversion procedures to do so. These may 
change from time to time without notice. The settlement agent 
currently uses a conversion rate in effect on the transaction’s 
processing date. It uses a government-mandated rate if required to 
do so. If not, it uses a wholesale market 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. 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. 
If you take a cash advance in a foreign currency anywhere else, 
MasterCard will convert it into U.S. dollars. MasterCard follows its 
own operating regulations or procedures. MasterCard currently 
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. The procedures may 
change from time to time without notice. 

The conversion rate you get is the one used on the transaction’s 
processing date. This may be different from the one in effect on 
the Transaction Date. 

Mail and Telephone Order Merchandise

Periodically you may receive mail and telephone order 
merchandise offers. If the offer permits you to pay for the 

merchandise in installments and you elect the installment 
option, one installment will be added to each monthly Minimum 
Payment Due until repaid in full. If the offer does not permit you 
to pay for the merchandise in installments or you do not elect the 
installment option, the entire purchase price will be added to your 
account as a new purchase. A merchandise installment payment 
that is not paid by the payment due date is added to the standard 
purchase balance on the first day of the next billing period. 

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 then add any additional 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; or

•  1% of the Calculated New Balance plus the amount of your 

billed interest charges on that balance, any minimum interest 
charge on the Calculated New Balance allocated to that balance, 
and any applicable late fee (the result is rounded up to the 
nearest cent). 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.

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 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 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. 

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Information Sharing 

You authorize us to share information about you as permitted by 
law. This includes information we get from you and others. It also 
includes information about your transactions with us. Please see our 
Privacy Notice for details about our information sharing practices. 

Changes to this Agreement

We may change the rates, fees, and terms of this 
Agreement from time to time as permitted by law. The 
changes may add, replace, or remove provisions of this 
Agreement. We will give you advance written notice of the 
changes and a right to opt out to the extent required by 
law.

Default
You default under this Agreement if you fail to pay the Minimum 
Payment Due by its due date; go over your credit limit; pay by a 
check or similar instrument that is not honored or that we must 
return because it cannot be processed; pay by electronic debit 
that is returned unpaid; file for bankruptcy; or fail to comply with 
the terms of this Agreement. If you default, we may close your 
account, and to the extent permitted by law, demand immediate 
payment of the total balance. 

Refusal of the Card, Closed Accounts,  
and Related Provisions

Refusal of the Card. We do not guarantee approval of 
transactions. We are not liable for transactions that are not approved. 
That is true even if you have enough credit. We may limit the 
number of transactions approved in one day. If we detect unusual or 
suspicious activity, we may suspend your credit privileges.

Preauthorized Charges. We may suspend any automatic or 
other preauthorized card charges you arrange with a third party. 
We may do this if you default; if the card is lost or stolen; or 
we change your account for any reason. If we do this, you are 
responsible for paying the third party directly if you wish to do so. 
You are also responsible for reinstating the preauthorized charges 
if you wish to do so and we permit it.

Lost or Stolen Cards, Account Numbers, or Convenience 
Checks. You must call us if any card, account number, or check 
is lost or stolen. You must also call us if you think someone 
used or may use them without permission. When you call, we 
may require you to provide information to help our investigation. 
We may require you to provide this information in writing. For 
example, we may ask you to identify any charges that were not 
made by you or someone authorized by you. We may also ask 
you to confirm that you received no benefit from those charges.

Closing Your Account. You may close your account by notifying 
us in writing or over the phone. If you close your account, 
you must still repay the total balance in accordance with this 
Agreement. We may also close your account or suspend account 
privileges at any time for any reason. We may do this without 
prior notice to you. We may also reissue a different card at any 
time. You must return any card to us upon request.

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 ARBITRATION, A DISPUTE IS RESOLVED 
BY AN ARBITRATOR INSTEAD OF A JUDGE OR JURY. 
ARBITRATION PROCEDURES 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 arbitration, no 

matter what legal theory they are based on or what remedy 
(damages, or injunctive or declaratory relief) they seek. This 
includes Claims based on contract, tort (including intentional 
tort), fraud, agency, your or our negligence, statutory or 
regulatory provisions, or any other sources of law; Claims made 
as counterclaims, cross-claims, third-party claims, interpleaders 
or otherwise; and Claims made independently or with other 
claims. A party who initiates a proceeding in court may elect 
arbitration with respect to any Claim advanced in that proceeding 
by any other party. Claims and remedies sought as part of a 
class action, private attorney general or other representative 
action are subject to arbitration on an individual (non-class, non-
representative) basis, and the arbitrator may award relief only on 
an individual (non-class, non-representative) basis.

Whose Claims are subject to arbitration? Not only ours and 
yours, but also Claims made by or against anyone connected 
with us or you or claiming through us or you, such as a co-
applicant or authorized user of your account, an employee, 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 

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arbitration or any proceeding, including in a proceeding to collect 
a debt. You may seek arbitration on an individual basis of any 
Claim asserted against you, including in a proceeding to collect 
a debt.

How Arbitration Works

How does a party initiate arbitration? The party filing an 
arbitration must choose one of the following two arbitration firms 
and follow its rules and procedures for initiating and pursuing 
an arbitration: American Arbitration Association or JAMS. Any 
arbitration hearing that you attend will be held at a place chosen by 
the arbitration firm in the same city as the U.S. District Court closest 
to your then current billing address, or at some other place to which 
you and we agree in writing. You may obtain copies of the current 
rules of each of the arbitration firms and forms and instructions for 
initiating an arbitration by contacting them as follows:

American Arbitration Association 
800-778-7879 (toll-free) 
Website: 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 Agreement 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 arbitrator 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 bankruptcy 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. 

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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.

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. 

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.) 

•  The charge in question may remain on your statement, and we 

2. You must have used your credit card for the purchase. 

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 

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.

© 2016 Citibank, N.A. 

904101B-0116

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