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CARD AGREEMENT

This Card Agreement is your contract with us. It governs the
use of your card and account. The Home Furnishings Credit
Card Disclosures are part of this Agreement. Please read these
documents carefully. Keep these documents for your records.

Definitions
account means the relationship established between you and us
by this Agreement.

APR means an annual percentage rate.

authorized user means any person you allow to use your
account.

card means one or more cards or other access devices that 
we give you to get credit under this Agreement. This includes
account numbers.

we, us, and our mean Citibank, N.A., the issuer of your
account. 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 Agree-
ment. You must pay us for all amounts due on your account.
This Agreement is binding on you unless you close your
account within 30 days after receiving the card and you have
not used or authorized use of the card. Your account must only
be used for lawful transactions.

Authorized Users. You may request additional cards for author-
ized users. You must pay us for all charges made by authorized
users. You must pay us even if you did not intend to be respon-
sible for those charges. You must notify us to withdraw any
permission you give to an authorized user to use your account.

Joint Accounts. If this is a joint account, each of you is respon-
sible 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 pur-
chases. 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.

APRs

Variable APRs Based on Prime. If any APR is based on the
U.S. Prime Rate (“Prime Rate”), the APR will equal the Prime
Rate plus an additional amount. If the Prime Rate increases, 
it will cause the APR to increase. If the Prime Rate decreases, 
it will cause the APR to decrease. For each billing cycle we use
the Prime Rate published in The Wall Street Journal two busi-
ness days before the Statement Closing Date. If the Prime Rate
causes an APR to change, we put the new APR into effect as 
of the first day of the billing cycle for which we calculate the
APR. We apply the new APR to any existing balances, subject
to any promotional rate that may apply. If The Wall Street

Journal does not publish the Prime Rate, we will use a similar
published rate.

Purchase APR. There is a variable regular purchases APR. It
equals the Prime Rate plus 25.74%. As of January 1, 2012, this
Annual Percentage Rate is 28.99%. This APR equals a daily
periodic rate of 0.07942%.

Effect of APR Increases. If an APR increases, interest charges
increase. Your minimum payment may increase as well.

Promotions

We may offer promotional terms for all or a part of any bal-
ances. They will be governed by the terms of the promotional
offer and this Agreement.

If a promotional offer is a deferred interest offer, no interest
charges will be imposed on the deferred interest balance if you
pay the balance in full by the end of the promotional period 
for that deferred interest balance. We will impose interest
charges on the deferred interest balance at the APR for regular
purchases from the date of purchase if you do not pay the
balance in full by the end of the promotional period.

Interest Charges Based on APRs
Interest Charges. We impose interest charges when we apply
APRs to your account balances. We do this every day by using
a daily periodic rate. To get a daily periodic rate, we divide the
APR by 365.

When Interest Charges Begin. We begin to impose interest
charges the first day we add a charge to a daily balance. The
charges we add to a daily balance include purchases, 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 pur-
chases, 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.

If you have a balance subject to a deferred interest 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. In addition, if you have
a major purchase plan balance, that balance (an “excluded bal-

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ance”) 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 bal-
ance 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 bal-
ance by the payment due date. If either is the case, the promo-
tional offer will describe what happens.

Calculation of Interest Charges – Daily Balance Method
(Including Current Transactions). We calculate interest
charges each billing cycle. To do this:

• We start with each of your different balances. These

balances include, for example, regular purchases and dif-
ferent promotional balances. (Purchases made under the
same promotional terms, including APR and expiration
date, will be part of the same promotional 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 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 pur-
chase 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 cur-
rent billing cycle.

Fees

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 $25; 
or $35 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 pay-
ment is returned, even if it is not returned upon resubmission.
The fee will be $25; or $35 for any additional returned payment
during the same or next six billing cycles after a returned pay-
ment. However, the fee will not exceed 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 Mini-
mum Payment Due by the payment due date each billing cycle.
The sooner you pay the New Balance, the less you will pay in
interest charges.

To calculate the Minimum Payment Due, we begin with any past
due amount. We add the amount due on each major purchase
plan balance. We add any additional amount specified in a pro-
motional offer. We add any amount required by the Promotion
Calculation. We also add the largest of the following:

• The Calculated New Balance if it is less than $25;
• $25 if the Calculated New Balance is at least $25; 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 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 a major purchase
plan, the Promotion Calculation, or 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 amount due on a major purchase plan balance is the
smaller of:

• The major purchase plan payment plus any credit protec-
tion or credit insurance fee allocated to that balance. Or

• The major purchase plan’s balance on the Statement

Closing Date.

For each major purchase plan balance, we determine the pay-
ment as follows.

• We take the plan balance on the last day of the billing cycle

in which the transaction is posted to your account.

• We subtract any credit protection or credit insurance fee

allocated to that balance for that cycle.

• We divide the result by the number of months of the major
purchase plan. (The result is rounded up to the nearest
dollar.) This gives us the major purchase plan payment.

The Promotion Calculation is based on the transaction amount
as shown on the first statement that displays the transaction. 
It applies if, paying $25 on this balance each billing cycle would
result in repayment before the end of the promotion period. 
The Promotion Calculation equals 1% of this balance during 
the promotion period. (The result is rounded up to the nearest
cent.) The Promotion Calculation only applies during the pro-
motion period.

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 a promotional offer. The third is any amount
required by the Promotion Calculation.

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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 APR 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 inter-
est 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 APR 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.

Optional Pay by Phone Service. You may use our optional 
Pay by Phone Service to make your payment by phone. To do
so, call us to request the service. You agree to pay us the Pay
by Phone fee shown in the Pay by Phone section on the back 
of the billing statement when a representative of ours helps
expedite your payment. Our representatives are trained to tell
you this amount when you use this service.

Credit Reporting

We may report information about your account to credit
bureaus. Late payments, missed payments, or other defaults 
on your account may be reflected in your credit report. We 
may report account information in your name and the names 
of authorized users. We may also obtain follow-up credit reports
on you.

If you think we reported incorrect information to a credit
bureau, write us at the Customer Service address on the billing
statement. We will investigate the matter. We will then tell you 
if we agree or disagree with you. If we agree with you, we will
contact each credit bureau to which we reported and request a
correction. If we disagree with you, we will tell you that.

Information Sharing

You authorize us to share information about you as permitted
by law. This includes information we get from you and others. 
It also includes information about your transactions with us.
Please see our Privacy Notice for details about our information
sharing practices.

Changes to this Agreement
We may change the rates, fees, and terms of this 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 transac-
tions. 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 permis-
sion. 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 CARE-
FULLY. 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 DIS-
PUTE 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 applica-
tion, 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 regu-
latory provisions, or any other sources of law; Claims made as

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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 proceed-
ing 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 “FAA”).

What about Claims filed in Small Claims Court? Claims filed 
in a small claims court are not subject to arbitration, so long as
the matter remains in such court and advances only an individ-
ual (non-class, non-representative) Claim.

What about debt collections? We and anyone to whom we
assign your debt will not initiate an arbitration proceeding to
collect a debt from you unless you assert a Claim against us 
or our assignee. We and any assignee may seek arbitration on
an individual basis of any Claim asserted by you, whether in
arbitration or any proceeding, including in a proceeding to
collect a debt. You may seek arbitration on an individual basis 
of any Claim asserted against you, including in a proceeding 
to collect a debt.

How Arbitration Works
How does a party initiate arbitration? The party filing an arbi-
tration must choose one of the following two arbitration firms
and follow its rules and procedures for initiating and pursuing
an arbitration: American Arbitration Association or JAMS. Any

arbitration hearing that you attend will be held at a place chosen
by the arbitration firm in the same city as the U.S. District Court
closest to your then current billing address, or at some other
place to which you and we agree in writing. You may obtain
copies of the current rules of each of the arbitration firms and
forms and instructions for initiating an arbitration by contacting
them as follows:

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

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

At any time you or we may ask an appropriate court to compel
arbitration of Claims, or to stay the litigation of Claims pending
arbitration, even if such Claims are part of a lawsuit, unless 
a trial has begun or a final judgment has been entered. Even 
if a party fails to exercise these rights at any particular time, 
or in connection with any particular Claims, that party can 
still require arbitration at a later time or in connection with 
any other Claims.

What procedures and law are applicable in arbitration? 
A single, neutral arbitrator will resolve Claims. The arbitrator will
be either a lawyer with at least ten years experience or a retired
or former judge, selected in accordance with the rules of the
arbitration firm. The arbitration will follow procedures and rules
of the arbitration firm in effect on the date the arbitration is filed
unless those procedures and rules are inconsistent with this
Agreement, in which case this 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 appli-
cable substantive law consistent with the FAA and applicable
statutes of limitations, will honor claims of privilege recognized
at law, and will have the power to award to a party any damages
or other relief provided for under applicable law. You or we may
choose to have a hearing and be represented by counsel. The
arbitrator will make any award in writing and, if requested by
you or us, will provide a brief statement of the reasons for the
award. An award in arbitration shall determine the rights and
obligations between the named parties only, and only in respect
of the Claims in arbitration, and shall not have any bearing on

the rights and obligations of any other person, or on the resolu-
tion of any other dispute.

Who pays? Whoever files the arbitration pays the initial filing
fee. If we file, we pay; if you file, you pay, unless you get a fee
waiver under the applicable rules of the arbitration firm. If you
have paid the initial filing fee and you prevail, we will reimburse
you for that fee. If there is a hearing, we will pay any fees of the
arbitrator and arbitration firm for the first day of that hearing. 
All other fees will be allocated as provided by the rules of the
arbitration firm and applicable law. However, we will advance 
or reimburse your fees if the arbitration firm or arbitrator
determines there is good reason for requiring us to do so, 
or if you ask us and we determine there is good reason for
doing so. Each party will bear the expense of that party’s attor-
neys, experts, and witnesses, and other expenses, regardless 
of which party prevails, but a party may recover any or all ex-
penses 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 writ-
ing to the arbitration firm within fifteen days of notice of the
award. The appeal must request a new arbitration before a panel
of three neutral arbitrators designated by the same arbitration
firm. The panel will consider all factual and legal issues anew,
follow the same rules that apply to a proceeding using a single
arbitrator, and make decisions based on the vote of the majority.
Costs will be allocated in the same way they are allocated for
arbitration before a single arbitrator. An award by a panel is final
and binding on the parties after fifteen days has passed. A final
and binding award is subject to judicial review and enforcement
as provided by the FAA or other applicable law.

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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 provi-
sion shall not remain in force. No portion of this arbitration
provision may be amended, severed or waived absent a written
agreement between you and us.

Governing Law and Enforcing our Rights
Governing Law. Federal law and the law of South Dakota,
where we are located, govern the terms and enforcement of
this Agreement.

Enforcing this Agreement. We will not lose our rights under
this Agreement because we delay in enforcing them or fail to
enforce them.

Collection Costs. To the extent permitted by law, you are liable
to us for our legal costs if we refer collection of your account 
to a lawyer who is not our salaried employee. These costs may
include reasonable attorneys’ fees. They may also include costs
and expenses of any legal action.

Assignment. We may assign any or all of our rights and obli-
gations 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.

• 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 delin-
quent 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 ATM or
with a check that accesses your credit card account do
not qualify.

3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied
with the purchase, contact us in writing at the address for

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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.

© 2012 Citibank, N.A.
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Interest Rates and Interest Charges 

Pricing Information Table 

Annual Percentage Rate 
(APR) for Purchases 

Paying Interest 

28.99% 

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

Your due date is at least 25 days after the close of each billing cycle.  We will not 
charge you any interest on purchases if you pay your entire balance by the due date 
each month.  We will begin charging interest on cash advances and balance transfers 
on the transaction date. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $2. 

How We Calculate Your 
Balance  

Daily Balance 

Fees 

Annual Fee 

Penalty Fees 

•  Late Payment 

•  Returned Payment 

None 

Up to $35 

Up to $35 

Details About Your Interest Rates and  

Daily Periodic Rate 

For variable rates: 
U.S. Prime Rate Plus 

Interest Calculations 

Purchases   

0.07942% 

25.74% 

APRs Based on Prime.  If any APR is based on the U.S. Prime Rate (“Prime Rate”), the APR will equal the Prime 
Rate plus the additional amount shown above.  If the Prime Rate increases, it will cause the APR to increase.  If the 
Prime Rate decreases, it will cause the APR to decrease.  For each billing cycle we use the Prime Rate published in 
The Wall Street Journal two business days before the Statement Closing Date.   If the Prime Rate changes any APR, 
we put the new APR into effect as of the first day of the billing cycle for which we calculate the APR.  We apply the 
new APR to any existing balances, subject to any promotional rate that may apply.  If The Wall Street Journal does 
not publish the Prime Rate, we will use a similar published rate. 

Effect of APR Increases.   If an APR increases, interest charges increase.  Your minimum payment may increase as 
well.  

Daily Balance.  We calculate the daily balance for each of your different balances.  To get a daily balance, we take 
the balance at the end of the previous day, add the interest on the previous day’s balance and new charges, and 
subtract new credits or payments.  We figure the interest charge by multiplying the daily balance by its daily periodic 
rate each day in the billing cycle.  We then add up all the daily interest charges and the total is the interest charge for 
the billing cycle.