202DC1-0112

CARD AGREEMENT

This Card Agreement is your contract with us. It governs
the use of your card and account. Please read this Agree-
ment carefully. Keep it 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
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 additional cards for
authorized users. You must pay us for all charges made 
by authorized users. You must pay us even if you did not
intend to be responsible for those charges. You must notify
us to withdraw any permission you give to an authorized
user to use your account.

Joint Accounts. If this is a joint account, each of you is
responsible individually and together for all amounts owed.
Each of you is responsible even if the account is used by
only one of you. You will continue to be liable for the entire
balance of the account, even if your co-applicant is ordered
by a court to pay us. You will remain liable to us if your 

co-applicant fails to pay as ordered by the court. Your
account status will continue to be reported to the credit
bureau under each of your names. The delivery of notices
or billing statements to either of you serves as delivery to
each of you. We may rely on instructions given by either 
of you. We are not liable to either of you for relying upon
such instructions.

Credit Limit. Your initial credit limit is on the card carrier.
After that, your credit limit appears on your billing state-
ment. 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.

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 business 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 pro-
motional 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 September 1,
2011, 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
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 or, to
the extent permitted by law, if you make a late payment.
The promotional offer will tell you if we require a separate
minimum payment on the promotional balance.

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.

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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.

If you have a balance subject to a deferred interest or a 
0% APR promotion and that promotion does not expire
before the payment due date, that balance (the “excluded
promotional balance”) is excluded from the amount you
must pay in full to get a grace period. However, you must
still pay any separately required payment on the excluded
promotional 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 so long as you pay the
New Balance less any excluded promotional balances in
full by the payment due date each billing cycle.

In addition, certain promotional offers may take away the
grace period on purchases. Other promotional offers not
described above may also allow you to have a grace period
on purchases without having to pay all or a portion of the
promotional balance by the payment due date. If either is
the case, the promotional offer will describe what happens.

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

• We start with each of your different balances. These
balances include, for example, regular purchases and
different 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 differ-
ent 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 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

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 elec-
tronic 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 $25; or $35 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.

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.

We calculate the Minimum Payment Due as follows. 
We begin with any past due amount. We add any amount
specified in a promotional 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 balances subject to the Promotion
Calculation and 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 Mini-
mum Payment Due.

The Promotion Calculation applies to some deferred interest
and 0% APR transactions. 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
promotion 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 two amounts. The
first is any amount required by a promotional offer. The sec-
ond 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 inter-
est 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 inter-
est 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 dis-
cretion 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 accor-
dance with our payment instructions on the billing state-
ment. 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 per-
mitted by law. This includes information we get from you
and others. It also includes information about your trans-
actions 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 responsi-
ble 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.

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 PRO-
CEEDING. 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”).

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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 Agree-
ment 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 con-
nected 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, prede-
cessor 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 inter-
preting 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 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 arbitra-
tion on an individual basis of any Claim asserted by you,
whether in arbitration or any proceeding, including in a pro-
ceeding 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: 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 pro-
cedures and rules of the arbitration firm in effect on the date
the arbitration is filed unless those procedures and rules are
inconsistent with this Agreement, in which case this Agree-
ment will prevail. Those procedures and rules may limit 
the discovery available to you or us. The arbitrator will take
reasonable steps to protect customer account information

and other confidential information if requested to do so by
you or us. The arbitrator will apply applicable substantive
law consistent with the 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 coun-
sel. 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 deter-
mine the rights and obligations between the named parties
only, and only in respect of the Claims in arbitration, and
shall not have any bearing on the rights and obligations of
any other person, or on the resolution of any other dispute.

Who pays? Whoever files the arbitration pays the initial
filing fee. If we file, we pay; if you file, you pay, unless you
get a fee waiver under the applicable rules of the arbitration
firm. If you have paid the initial filing fee and you prevail, 
we will reimburse you for that fee. If there is a hearing, we
will pay any fees of the arbitrator and arbitration firm for the
first day of that hearing. All other fees will be allocated as
provided by the rules of the arbitration firm and applicable
law. However, we will advance or reimburse your fees if 
the arbitration firm or arbitrator determines there is good
reason for requiring us to do so, or if you ask us and we
determine there is good reason for doing so. Each party 
will bear the expense of that party’s attorneys, experts, and
witnesses, and other expenses, regardless of which party
prevails, but a party may recover any or all expenses from
another party if the arbitrator, applying applicable law, so
determines.

Who can be a party? Claims must be brought in the name
of an individual person or entity and must proceed on an
individual (non-class, non-representative) basis. The arbi-
trator will not award relief for or against anyone who is not
a party. If you or we require arbitration of a Claim, neither
you, we, nor any other person may pursue the Claim in arbi-
tration 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.

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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 arbi-
tration before a panel of three neutral arbitrators designat-
ed 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 enforce-
ment as provided by the FAA or other applicable law.

Survival and Severability of Terms

This arbitration provision shall survive: (i) termination or
changes in the Agreement, the account, or the relationship
between you and us concerning the account; (ii) the bank-
ruptcy of any party; and (iii) any transfer, sale or assign-
ment of your account, or any amounts owed on your
account, to any other person or entity. If any portion of this
arbitration provision is deemed invalid or unenforceable,
the entire arbitration provision shall not remain in force.
No portion of this arbitration provision may be amended,
severed or waived absent a written agreement between you
and us.

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

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

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

Assignment. We may assign any or all of our rights and
obligations under this Agreement to a third party.

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

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 respon-
sibilities 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 pay-
ment 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 state-

ment, 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 appli-
cable 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 ques-
tioning 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.

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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 dissatis-
fied 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 investiga-
tion, 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.
202DC1-0112

01/12

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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.