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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.

card network An organization, such as MasterCard, Visa and 
American Express, that facilitates the payment process between 
a cardmember, merchants and a card issuer.

cash advance Use of your card to get Cash, including foreign 
currency, or for what we consider a cash-like transaction. 
Examples include using your Card for: A T M and teller 
withdrawals, wire transfers, money orders, traveler’s checks, 
lottery tickets, gaming chips and other methods used for 
gambling, wagers and other betting transactions.

purchase Use of your card to buy goods and services. Balance 
Transfers and Cash Advances are not Purchases. 

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 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 may impose. You must tell us if you no longer want 
them to use your account. 

Joint Accounts. If this is a joint account, each of you is 
responsible individually and together for all amounts owed. Each 
of you is responsible even if the account is used by only one of 
you. You will continue to be liable for the entire balance of the 
account, even if your co-applicant is ordered by a court to pay 
us. You will remain liable to us if your co-applicant fails to pay 
as ordered by the court. Your account status will continue to be 
reported to the credit bureau under each of your names. The 
delivery of notices or billing statements to either of you serves 
as delivery to each of you. We may rely on instructions given by 
either of you. We are not liable to either of you for relying upon 
such instructions.

Credit Limit. Your initial credit limit is on the card carrier. After that, 
your credit limit appears on your billing statement. The full amount of 
your credit limit is available to use where the card is honored. We will 
notify you separately what part of your credit limit is available for cash 
advances. That part is called the cash advance limit. 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. 

Balance Transfers. Balance transfers are an account feature. 
We may make them available to you at our discretion through 
offers. Balance transfers are subject to the same A P R as regular 
purchases unless the offer tells you otherwise.

Checks. We may provide you with convenience checks. When 
we do, we will tell you in writing whether they may be used for 
balance transfer transactions or cash advance transactions. If we 
tell you they may be used for balance transfer transactions, any 
use will be a balance transfer transaction. You may use them to 
transfer a balance to your account or make other transactions. If 
we tell you they may be used for cash advance transactions, any 
use will be a cash advance transaction 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. We subtract any credits or payments. We then add 
any interest charges or fees and make other adjustments. 

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. The additional 
amount appears on the Fact Sheet. 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.

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A P R for Reduced Rate Credit Plan. The A P R for the 48 month 
reduced rate credit plan is 11.90%. This A P R equals a daily 
periodic rate of 0.03260%. The 48 month reduced rate credit plan 
is available for select purchases. The store sales associate or store 
website will identify which purchases are eligible for this plan.

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. 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 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. Deferred interest offers may 
also be called “Same As Cash Plans”. 

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, balance 
transfers, 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 balance transfers and 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 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 reduced rate 
credit plan balance, 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 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 that 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, 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, balance 
transfer, or cash advance as of the Transaction Date. (The 
Transaction Date for a balance transfer or 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 generally add other fees 
to the regular purchase balance. We add any remaining balance 
from a balance transfer at a promotional A P R to the regular 
purchase balance. We do this on the day after the promotional 
period expires. 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 $1. 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
Annual Membership Fee. If an annual membership fee applies 
to your account, 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 billing 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 cash advance convenience check; get money 
through an automated teller machine (A T M); or get money 

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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.

Transaction Fee for Balance Transfers. You make a balance 
transfer if you use a balance transfer convenience check or 
contact us to transfer a balance. For each balance transfer 
we add a transaction fee of 5% of the amount of the balance 
transfer, but not less than $15. This fee is in addition to any 
periodic fee that may be imposed with a promotional offer.

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 
(less the Amount Over Credit Limit shown on your billing statement) 
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 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 
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 purchase 
balance. 

Stop Payment on Convenience Check Fee. We add a $29 
fee if we honor your request to stop payment on a convenience 
check. Write us at P.O. Box 6000, Sioux Falls, SD 57117 to stop 
payment on a convenience check. You can also call the Customer 
Service number on the billing statement. If you call, you must 
confirm the call in writing within 14 days. A written stop payment 
order is good for 6 months unless renewed in writing. We add 
this fee to the regular purchase balance.

Foreign Currency Conversion
Foreign Currency Conversion — Purchases. A Card Network 
converts the amount of a Purchase in a foreign currency into 
U.S. dollars. Each Card Network follows its own procedures for 
conversion. These procedures include how the Card Network 
chooses an exchange rate and when to do the conversion. For 
example, Visa chooses either a government-mandated exchange 
rate or chooses from a range of rates available on wholesale 
currency markets (and, in either case, the exchange rate that 
it chooses may be less favorable than the rate that Visa itself 
receives when it makes foreign currency transactions). Depending 
on the policies of each Card Network, the exchange rate chosen 
may be the one in effect on the day the Card Network does the 
conversion, or on the day before. The exchange rate that a Card 
Network uses to convert the Purchase to U.S. dollars may differ 
from the rate in effect on the date you made the Purchase or on 
the post date for that Purchase shown on your statement. The 
Card Network’s procedures may change without notice.

If a third party, such as a merchant, converts the amount of a 
Purchase into U.S. dollars before sending the Purchase to a Card 
Network, the third party chooses the conversion rate instead of 
the Card Network.

Foreign Currency Conversion — Cash Advances. If you 
take a Cash Advance in a foreign currency at an A T M or branch 
of a financial institution, it may not be the Card Network in all 
instances that converts the Transaction into U.S. dollars. Instead, 

depending on where the Transaction takes place, another 
third party, such as a financial institution, A T M network, or 
A T M operator, may do the conversion. We do not control this. 
However, if you use your Card for a Cash Advance at a Citibank 
A T M or branch, then we or our affiliates may do the conversion.

The party that converts a Cash Advance to U.S. dollars will choose 
the exchange rate and when to do the conversion. The exchange 
rate in effect on the date the Cash Advance is converted to U.S. 
dollars may differ from the rate in effect on the date you took the 
Cash Advance or the post date for that Transaction shown on your 
statement. The exchange rate may also differ from any rate quoted 
to you when you made the Transaction.

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 add any amount in excess of your credit 
limit. We add the amount due on each reduced rate credit 
plan balance. We add any additional 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 any balances subject to a reduced rate 
credit 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 

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additional amount as part of the Minimum Payment Due. 

The amount due on a reduced rate credit plan balance is the 
smaller of:

•  The Repayment Percentage times the reduced rate credit 
plan’s Highest Balance plus any credit protection or credit 
insurance fee allocated to that balance. (The result is rounded 
up to the nearest dollar.) Or

•  The reduced rate credit plan’s balance on the Statement 

Closing Date. 

For each reduced rate credit plan balance, the Highest Balance is 
the highest reduced rate credit plan balance on a Statement Closing 
Date, less any credit protection or credit insurance fee allocated to 
that balance for that cycle, since the last time that balance was zero. 
The balance is zero at account opening. The Repayment Percentage 
for the 48 month reduced rate credit plan is 2.62850%. 

The Promotion Calculation applies to some deferred interest 
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 three amounts. The first is any 
amount required by a reduced rate credit plan. The second is any 
amount required by a promotional offer. The third is any amount 
required by the Promotion Calculation.

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. 

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 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. 

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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.

THIS SECTION PROVIDES THAT DISPUTES MAY BE RESOLVED 
BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
RIGHT TO GO TO COURT, HAVE A JURY TRIAL OR INITIATE 
OR PARTICIPATE IN A CLASS ACTION. IN ARBITRATION, 
DISPUTES ARE RESOLVED BY AN ARBITRATOR, NOT A 
JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER 
AND MORE LIMITED THAN IN COURT. THIS ARBITRATION 
PROVISION IS GOVERNED BY THE FEDERAL ARBITRATION 
ACT (F A A), AND SHALL BE INTERPRETED IN THE BROADEST 
WAY THE LAW WILL ALLOW.

Covered claims

•  You or we may arbitrate any claim, dispute or controversy 

between you and us arising out of or related to your account, a 
previous related account or our relationship (called “Claims”).

•  If arbitration is chosen by any party, neither you nor we 

will have the right to litigate that Claim in court or have a 
jury trial on that Claim. 

Except as stated below, all Claims are subject to arbitration, 
no matter what legal theory they’re based on or what remedy 
(damages, or injunctive or declaratory relief) they seek, including 
Claims based on contract, tort (including intentional tort), fraud, 
agency, your or our negligence, statutory or regulatory provisions, 
or any other sources of law; Claims made as counterclaims, 
cross-claims, third-party claims, interpleaders or otherwise; Claims 
made regarding past, present, or future conduct; and Claims made 
independently or with other claims. This also includes Claims made 

by or against anyone connected with us or you or claiming through 
us or you, or by someone making a claim through us or you, such 
as a co-applicant, authorized user, employee, agent, representative 
or an affiliated/parent/subsidiary company.

Arbitration limits
•  Individual Claims filed in a small claims court are not subject to 
arbitration, as long as the matter stays in small claims court. 

•  We won’t initiate arbitration to collect a debt from you unless 

you choose to arbitrate or assert a Claim against us. If 
you assert a Claim against us, we can choose to arbitrate, 
including actions to collect a debt from you. You may arbitrate 
on an individual basis Claims brought against you, including 
Claims to collect a debt.

•  Claims brought as part of a class action, private attorney 

general or other representative action can be arbitrated only 
on an individual basis. The arbitrator has no authority to 
arbitrate any claim on a class or representative basis and may 
award relief only on an individual basis. If arbitration is chosen 
by any party, neither you nor we may pursue a Claim as part 
of a class action or other representative action. Claims of 2 or 
more persons may not be combined in the same arbitration. 
However, applicants, co-applicants, authorized users on a 
single account and/or related accounts, or corporate affiliates 
are here considered as one person.

How arbitration works

•  Arbitration shall be conducted by the American Arbitration 

Association (“A A A”) according to this arbitration provision and 
the applicable A A A arbitration rules in effect when the claim is 
filed (“A A A Rules”), except where those rules conflict with this 
arbitration provision. You can obtain copies of the A A A Rules at 
the A A A’s website (w w w . a d r . org) or by calling 800-778-7879. 
You or we may choose to have a hearing, appear at any hearing 
by phone or other electronic means, and/or be represented by 
counsel. Any in-person hearing will be held in the same city as the 
U.S. District Court closest to your billing address.

•  Arbitration may be requested any time, even where there is a 
pending lawsuit, unless a trial has begun or a final judgment 

entered. Neither you nor we waive the right to arbitrate by 
filing or serving a complaint, answer, counterclaim, motion, or 
discovery in a court lawsuit. To choose arbitration, a party may 
file a motion to compel arbitration in a pending matter and/or 
commence arbitration by submitting the required A A A forms 
and requisite filing fees to the A A A.

•  The arbitration shall be conducted by a single arbitrator in 
accord with this arbitration provision and the A A A Rules, 
which may limit discovery. The arbitrator shall not apply any 
federal or state rules of civil procedure for discovery, but the 
arbitrator shall honor claims of privilege recognized at law and 
shall take reasonable steps to protect account information 
and other confidential information of either party if requested 
to do so. The arbitrator shall apply applicable substantive law 
consistent with the F A A and applicable statute of limitations, 
and may award damages or other relief under applicable law.

•  The arbitrator shall make any award in writing and, if requested 
by you or us, may provide a brief statement of the reasons for 
the award. An arbitration award shall decide the rights and 
obligations only of the parties named in the arbitration, and shall 
not have any bearing on any other person or dispute.

Paying for arbitration fees 
•  We will pay your share of the arbitration fee for an arbitration 
of Claims of $75,000 or less if they are unrelated to debt 
collection. Otherwise, arbitration fees will be allocated 
according to the applicable A A A Rules. If we prevail, we may 
not recover our arbitration fees, unless the arbitrator decides 
your Claim was frivolous. All parties are responsible for their 
own attorney’s fees, expert fees and any other expenses, 
unless the arbitrator awards such fees or expenses to you or 
us based on applicable law.

The final award 

•  Any award by an arbitrator is final unless a party appeals it in 
writing to the A A A within 30 days of notice of the award. The 
arbitration appeal shall be determined by a panel of 3 arbitrators. 
The panel will consider all facts and legal issues anew based 
on the same evidence presented in the prior arbitration, and will 

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make decisions based on a majority vote. Arbitration fees for the 
arbitration appeal shall be allocated according to the applicable 
A A A Rules. An award by a panel on appeal is final. A final 
award is subject to judicial review as provided by applicable law.

Survival and Severability of Terms 
This arbitration provision shall survive changes in this Agreement 
and termination of the account or the relationship between 
you and us, including the bankruptcy of any party and any 
sale of your account, or amounts owed on your account, to 
another person or entity. If any part of this arbitration provision 
is deemed invalid or unenforceable, the other terms shall 
remain in force, except that there can be no arbitration of a 
class or representative Claim. This arbitration provision may 
not be amended, severed or waived, except as provided in this 
Agreement or in a written agreement between you and us.

Rules for rejecting this arbitration provision
You may reject this arbitration provision by sending a written rejection 
notice to us at: P.O. Box 790340, St. Louis, MO 63179. Your 
rejection notice must be mailed within 45 days of account opening. 
Your rejection notice must state that you reject the arbitration 
provision and include your name, address, account number and 
personal signature. No one else may sign the rejection notice. Your 
rejection notice will not apply to the arbitration provision(s) governing 
any other account(s) that you have or had with us. Rejection of this 
arbitration provision won’t affect your other rights or responsibilities 
under this Agreement, including use of the account. 

Governing Law and Enforcing our Rights 
Governing Law. Federal law and the law of South Dakota, 
where we are located, govern the terms and enforcement of this 
Agreement. 

Enforcing this Agreement. We will not lose our rights under 
this Agreement because we delay in enforcing them or fail to 
enforce them. 

Collection Costs. To the extent permitted by law, you are liable 
to us for our legal costs if we refer collection of your account 
to a lawyer who is not our salaried employee. These costs may 

include reasonable attorneys’ fees. They may also include costs 
and expenses of any legal action. 

Assignment. We may assign any or all of our rights and 
obligations under this Agreement to a third party. 

For Further Information 
Call us toll-free for further information. Call the toll-free Customer 
Service telephone number shown on the billing statement or on 
the back of your card. You can also call local or toll-free Directory 
Assistance to get our telephone number.

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 delinquent without 
also reporting that you are questioning your bill. We must tell you 
the name of anyone to whom we reported you as delinquent, and 
we must let those organizations know when the matter has been 
settled between us.

If we do not follow all of the rules above, you do not have to pay the 
first $50 of the amount you question even if your bill is correct.

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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 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. 

BBYVS-0116

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