GoodYear Credit Card Application Form

GoodYear Credit Card Application.pdf This card allows someone to take credit every month on tires purchased at any retailer that supplies GoodYear tires. Apply Online

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GOODYEAR

CREDIT CARD

APPLICATION

NOVEMBER2012

THE FAST, CONVENIENT WAY TO MAKE

YOUR TIRE AND SERVICE PURCHASES.

• No annual fee*

• Flexible payment terms

• $0 liability on unauthorized charges

• 24/7 customer service with ability to manage account online

• Free Citi Identity Theft Solutions

• Free additional cards

APPLY

TODAY!

* As of November 1, 2012 APR 28.99%, Cash Advance APR 29.95% (rates may vary with the market based on

Prime Rate). Minimum INTEREST CHARGE: $2. Cash Advance fee: The greater of $10 or 5% of the amount of each cash

advance. See card agreement for details.

GOODY EAR CR EDI T CARD APP LIC ATION

* FIRST NAME MIDDLE INITIAL * LAST NAME

PLEASE SIGN BELOW

By signing below, 1 certify that 1 have read and agree to the Credit Card Disclosures, Terms and Conditions of Offer and Card Agreement,

all of which are attached.

X

* APPLICANT’S SIGNATURE *DATE

Store Use Only: Iden tification requ ires a valid driver’s li ce nse and/or government issued photo ID

Merchant Number Employee Name Sa le Amount Auth Code

Does not qualify for

immediate credit decision

ID Type / ID #/State of Issuance

Account#/

Pending#

ID #2. Ind icate Type

Report Code

Store Copy Goodyear Application 405GY753S 11/12

Customer Copy

PERSONAL INFORMATION

* STREET ADDRESS APT/SUITE * CITY * STATE * ZIP

* SOCIAL SECURITY NUMBER * DATE OF BIRTH

* PR IMARY PHONE BUSINESS PHONE

If you have entered a cell phone number, or another number that you later convert to a cell phone number. you agree that we may contact you at this number. You also agree to

receive calls and messages such as. pre·recorded messages, ca lls and messages from automated dialing systems. or text messages. Normal cell phone charges may apply.

( ) ( )

Information you supply about your salary/wages, other income and housing payment is important to us in

considering your ability to make payments on the account.

FINANCIAL INFORMATION

* RESIDENCE STATUS * MONTHLY MORTGAGE OR RENT PAYMENT

;,;'((ji’·)~!Ä· Own l}) .. ~~~:Ä~1~ Rent !~Ä~11*; Other $

* ANNUAL SALARY AND WAGESt OTHER ANNUAL INCOMEt

(For example, current or reasonably expected salary, (For example, annual amounts from interest or dividends, soc ial security or retirement benefits,

wages, bonuses, tips, commissions) ren tal income, alimony, child support or separate main tenance payments)

$ $

t Alimony, chi ld support or separate maintenance income need not be revealed if you do not wish to have it considered as a basis of repaying this obli gation.

EMAIL ID

If you provide your email address. we may use it to contact you about your account and tell you about useful products and services. We may also provide your email address to

Goodyear who may use it to send you news about the latest merchandise. promotions and sales.

* Required fields

TERMS AND CONDITIONS OF OFFER

This offer is only valid for new accounts. You must be at least 18 years of age. If you are married, you may apply for a separate account.

Citibank, NA (“we” or “us”) is the issuer of your Goodyear Credit Card account. Citibank, N.A. is located in Sioux Falls, SD.

After credit approval each applicant shall have the right to use this account to the extent of any credit limit set by the creditor and each

applicant may be liable for all amounts of credit extended under this account to any joint applicant.

Federal law requires us to obtain, verify and record information that identifies each person who opens an account. in order to help the

government fight the funding of terrorism and money laundering activi ties. To process the application, we must 11ave your name, street

address, date of birth and other identifying in formation, and we may ask for identifying documents from you as well.

We may gather information about you, including from your employer, your bank, credit bureaus. and others, to verify your identity and

determine your eligibility for credit, renewal of credit, and future extensions of credit. If you ask us, we will tell you whether or not we

requested a credit bureau repo rt, and the names and addresses of any credit bureaus that provided us with such reports.

To receive a Goodyear Credit Card, you must meet our applicable criteria bearing on creditworthiness. Your credit limit will be

determined by your annual salary and wages, your other annual income and a review of your debt. including the debt listed on your

credit report. You will be informed of the amount of your cred it limit when you receive your card.

You authorize us to share with Goodyear and its affiliates experiential and transactiona l information regarding your activity with us.

Please see the attached Card Agreement for important information.

Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy

customers, and that credit reporting agencies maintain separate cred it histories on each individual upon request. The Ohio Civil Rights

Commission administers compliance with this law.

Notice to Wisconsin Residents: No marital property agreement, unilateral statement, or court decree adversely affects our rights, unless

you give us a copy of such agreement, statement or court order before we grant you credit. or we have actual knowledge of its terms

before your account is opened.

Deferred Interest Promotional Offers on the Goodyear card

From time to time, as a Goodyear card holder you may be offered special limited time only deferred interest promotional offers.

Deferred Interest promotional offers include the fo llowing types of offers:

– No Interest if Paid in Full in 6 Months, Monthly Minimum Payments Required

·No Interest if Paid in Full in 12 Months, Monthly Minimum Payments Required

– No Interest if Paid in Full by specified date, Monthly Minimum Payments Required

If the balance is not paid in full by the end of the promotional period (or, to the extent permitted by law, if you make a late payment), interest

charges will be imposed from the purchase date at the purchase rate on your account which is 28.99% APR. This APR is as of 11/01/2012 and

will vary with the market based on the Prime Rate.

These offers are not available all the time and may be limited to specific merchandise and/or have a minimum payment and purchase

requirements as disclosed in the offer.

Your card agreement, the terms of the offer and applicable law govern these tr·ansactions including increasing APRs and fees and termination

of the promotional period.

CARD AGREEMENT

This Card Agreement is your contract with us. It governs the use of

your card and account. The Goodyear Credit Card Disc losures are part

of t his 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 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 transact ions.

Authorized Users. You may request additional ca rds for authori zed

users. You must pay us for all charges made by au thorized 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 ca rd carrier. After that,

your credit !!m!t appears on your bi!!ing statement. The fu!! amount of

your credit limit is available to use where the ca rd 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.

Howeve r, if the total balance goes over your credit limit you still must

pay us. If your account has a credit balance, we may reduce the

credit balance by any new charges on your account. You may not

maintain a credit balance in excess of your credit limit.

Checks. We may provide you with cash convenience checks. You

may use them to get a cash advance. Use of a cash convenience

check will be a cash advance even if you use the check to make a

payment to another creditor. You may not use cash convenience

checks to pay an amount owed to us under this Agreement or to pay

another accou nt with us or an affiliate. We do not certify these

checks or return any checks that have been paid.

Billing Statement. Your billing statement shows the New Balance.

This is the total amount you owe us on the Statement Closing Date.

To determine the New Balance, we begin with the total balance at the

start of the billing cycle. We add any purchases or cash advances.

We subtract any credits or payments. We then add any interest

charges or fees and make other adjustments.

Your billing statement also shows your transactions; the Minimum

Payment Due and payment due date; your credit limit and cash

advance limit; and your interest charges and fees.

We deliver a billing statement to only one address. You must notify

Customer Service of a change in address. We may stop sending you

statements if we deem your account uncollectible or start collection

proceedings; but we may continue to add interest and fees as

permitted by law.

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 whi ch

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 November 1, 2012, this Annual

Percentage Rate is 28.99%. This APR eq uals a daily periodic rate of

0.07942%.

Cash Advance APR. Th ere is a variable regular cash advance APR.

It equals the Prime Rate plus 26.70%. As of November 1, 2012, this

Annual Percentage Rate is 29.95%. This APR equals a daily periodic

rate of 0.08205%.

Effect of APR Increases. If an APR increases, interest charges in crease.

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 1m posed on the deferred interest balance if you pay the

balance in full by the end of the promotional period for that defe rred

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 pe riodic

rate. To get a daily periodic ra te, we divide th e 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 and cash advances. They also include

interest charges and fees. We continue to impose interest

charges until we credit your account with full payment of the total

amount you owe us.

Grace Period on Purchases. You can avoid interest charges on purchases,

but not on cash advances. This is called a grace period on

purchases. The grace period is at least 25 days. To get a grace period

on purchases, you must pay the New Balance by the payment due

date every billing cycle. If you 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, regular cash advances,

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 different

balances. To get a daily balance, we start with the balance as of

the end of the previous day. We add any interest charge on the

previous day’s balance. (This results in daily compounding of

interest charges.) We add any new charges. We then subtract

any new credits or payments.

We multiply each daily balance by the daily periodic rate that

applies to it. We do this for each day in the billing cycle. This

gives us the daily interest charges for each of your different

balances.

We add up all the daily interest charges. The sum is the total

interest charge for the billing cycle.

You authorize us to round interest charges to the nearest cent.

When we calculate daily balances, we add a purchase or cash advance

as of the Transaction Date. (The Transaction Date for a cash advance

is the date we get a request to complete a cash convenience check.

When you send a cash convenience check directly to someone, the

Transaction Date is the date we receive the check for payment. The

Transaction Date is on the billing statement.) We add a transaction

fee to the same balance as the transaction. We subtract a payment

or credit as of the day it is credited to the account and then make

other adjustments. We treat a credit balance as a balance of zero.

Minimum Interest Charge. If we charge you interest, the charge will

be no less than $2. We add the charge to the regular purchase

balance or allocate it among one or more of the balances that

accrues interest.

Balance Subject to Interest Rate. Your statement shows a Balance

Subject to Interest Rate. It shows this for each different balance. The

Balance Subject to Interest Rate is the average of the daily balances

during the billing cycle. A billing cycle begins on the day after the

Statement Closing Date of the previous billing cycle. It includes the

Statement Closing Date of the current billing cycle.

Fees

Transaction Fee for Cash Advances. You take a cash advance if you

use a cash convenience check; get money through an automated

teller machine (ATM); or get money through home banking or a

financial institution. You also take a cash advance if you make a wire

transfer; buy a money order, traveler’s check, lottery ticket, casino

chip, or similar item; or engage in a similar transaction. For each cash

advance we add a transaction fee of 5% of the amount of the cash

advance, but not less than $10.

Late Fee. We may add a late fee for each billing cycle in which you

have a past due payment. For late fee purposes, you have a past due

payment any time you fail to pay the Minimum Payment Due by the

payment due date. The fee will be $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 payment is returned,

even if it is not returned upon resubmission. The fee wil l 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.

Returned Cash Convenience Check Fee. We may add a returned

cash convenience check fee for a returned cash convenience check.

A returned cash convenience check is any cash convenience check we

do not honor. We may not honor these checks if t he 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 regard ing the check; if your

account has been closed; or for other reasons. The fee will be $25; or

$35 for any returned cash convenience check during the same or

next six bi lling cyc les after a returned cash convenience check.

However, the fee wil l not exceed the amount permitted by law. We

add this fee to the regu lar cash advance bal ance.

Stop Payment on Cash Convenience Check Fee. We add a $39 fee if

we honor your request to stop payment on a cash convenience check.

Write us at P.O. Box 653054, Dallas TX 75265, to stop payment on a

cash convenience check. You can also ca ll the Customer Service

number on the billing statement. If you call, you must confirm the

ca ll in writ ing within 14 days. A written stop payment order is good

for 6 months unless renewed in writing. We add this fee to the

regular cash advance bal ance.

Information on Foreign Currency Conversion

If you take a cash advance in a fo reign currency at a branch or ATM

of one of our affiliates, an affili ate of ours will convert it into U.S.

dollars. Our affiliate currently uses a convers ion rate in effect on its

processin g date. It uses a government-mandated rate if requ ired to

do so. If not, it uses a mid-point market rate. Ou r affiliate’s

procedure may ch ange from time to time without notice. If you take

a cash advance in a foreign currency anywhere else, MasterCard wi ll

convert it into U.S. dollars. MasterCard follows its own operating

regulations or procedures. MasterCard currently uses a conversion

rate in effect one day before its t ransaction processing date. It uses

a government-mandated rate if required to do so. If not, it uses a

wholesale market rate. The procedures may change from time to

time without notice. The conversion rate you get is the one used on

the transact ion’s processing date. This may be different from the one

in effect on the Transaction Date.

Payments

Making Payments. You may pay al l or part of your account ba lance

at any t ime. However, you must pay at least the Minimum Payment

Due by the payment due date each bill ing cycle. The sooner you pay

the New Bal an ce, the less you wi ll pay in interest charges.

We calcu late the Minimum Payment Due as fo llows. We begin with

any past due amount. We add any amount specified in a promotiona l

offer. We add any amount requ ired by the Promotion Calculation. We

also add the largest of the fol lowing:

The Ca lculated New Ba lance if it is less than $25;

$25 if the Calculated New Balance is at least $25; or

1% of t he Ca lculated New Ba lance plus the amount of your bi lled

interest charges on that ba lance, any minimum interest charge

al located to that balance, and any appl icable late fee. (The

result is rou nded up to the nearest doll ar.) However, we subtract

interest charges that accrued during prior billing cycles on a

deferred interest balance that ended during the bill ing cycle

covered by the statement.

The Calcu lated New Ba lance equals the New Ba lance on the bil ling

statement le ss ba la nces subject to the Promotion Calc ul ation 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 Minimum Payment Due.

The Promotion Calculation applies to some deferred interest and 0%

APR transactions made on or after March 1, 2012. 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 second is any amount required

by the Promotion Calculation.

Application of Payments. Payments in excess of the Minimum

PJyment Due ur2 appHed in accordunce ‘Nith lavv. Thls 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 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 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 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 Cash Convenience

Checks. You must call us if any card, account number, or check is lost

or stolen. You must also call us if you think someone used or may

use them without permission. When you call, we may require you to

provide information to help our investigation. We may require you to

provide this information in writing. For example, we may ask you to

identify any charges that were not made by you or someone

authorized by you. We may also ask you to confirm that you received

no benefit from those charges.

Closing Your Account. You may close your account by notifying us in

writing or over the phone. If you close your account, you must still

repay the total balance in accordance with this Agreement. We may

also close your account or suspend account privileges at any time for

any reason. We may do this without prior notice to you. We may also

reissue a different card at any time. You must return any card to us

upon request.

ARBITRATION

PLEASE READ THIS PROVISION OF THE AGREEMENT

CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY BE

RESOLVED BY BINDING ARBITRATION. ARBITRATION

REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE

RIGHT TO A JURY AND THE RIGHT TO INITIATE OR

PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING.

IN ARBITRATION, A DISPUTE IS RESOLVED BY AN

ARBITRATOR INSTEAD OF A JUDGE OR JURY. ARBITRATION

PROCEDURES ARE SIMPLER AND MORE LIMITED THAN COURT

PROCEDURES.

Aqreement to Arbitrate: Either you or we may, without the other’s

consent, elect mandatory, binding arbitration for any claim, dispute,

or controversy between you and us (called “Claims”).

Claims Covered

What Claims are subject to arbitration? All Claims relating to your

account, a prior related account, or our relationship are subject to

arbitration, including Claims regarding the application, enforceability,

or interpretation of this Agreement and this arbitration provision. All

Claims are subject to arbitration, no matter what legal theory they

are based on or what remedy (damages, or injunctive or declaratory

relief) they seek. This includes Claims based on contract, tort

(including intentional tort), fraud, agency, your or our negligence,

statutory or regulatory provisions, or any other sources of law;

Claims made as counterclaims, cross-claims, third-party claims,

interpleaders or otherwise; and Claims made independently or with

other claims. A party who initiates a proceeding in court may elect

arbitration with respect to any Claim advanced in that proceeding by

any other party. Claims and remedies sought as part of a class

action, private attorney general or other representative action are

subject to arbitration on an individual (non-class, non-representative)

basis, and the arbitrator may award relief only on an individual (nonclass,

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 individual (nonclass,

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

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: ‘I’JWW.(Ol_9r.orq

JAMS

800-352-5267 (toll-free)

Website: WW.’bj.§ _ msadr.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 C!aims are part of a !avvsuit, unless a trial has

begun or a final judgment has been entered. Even if a party fails to

exercise these rights at any particular time, or in connection with any

particular Claims, that party can still require arbitration at a later

time or in connection with any other Claims.

What procedures and law are applicable in arbitration? A single,

neutral arbitrator will resolve Claims. The arbitrator will be either a

lawyer with at least ten years experience or a retired or former judge,

selected in accordance with the rules of the arbitration firm. The

arbitration will follow procedures and rules of the arbitration firm in

effect on the date the arbitration is filed unless those procedures and

rules are inconsistent with this Agreement, in which case this

Agreement will prevail. Those procedures and rules may limit the

discovery available to you or us. The arbitrator will take reasonable

steps to protect customer account information and other confidential

information if requested to do so by you or us. The arbitrator will

apply applicable substantive law consistent with the FAA and

applicable statutes of limitations, will honor claims of privilege

recogn1zed 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

obl1gat1ons 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 (nonclass,

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, coapplicants,

authorized users on a single account and/or related

accounts, or corporate affiliates are here considered as one person.

When is an arbitration award final? The arbitrator’s award is final

and binding on the parties unless a party appeals it in writing to the

arbitration firm within fifteen days of notice of the award. The appeal

must request a new arbitration before a panel of three neutral

arbitrators designated by the same arbitration firm. The panel will

consider all factual and legal issues anew, follow the same rules that

apply to a proceeding using a single arbitrator, and make decisions

based on the vote of the majority. Costs will be allocated in the same

way they are allocated for arbitration before a single arbitrator. An

award by a panel is final and binding on the parties after fifteen days

has passed. A final and binding award is subject to judicial review

and enforcement as provided by the 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 bankruptcy of any party; and (iii) any

transfer, sale or assignment of your account. or any amounts owed on

your account, to any other person or entity. If any portion of this

arbitration provision is deemed invalid or unenforceable, the entire

arbitration provision shall not remain in force. No portion of this

arbitration provision may be amended, severed or waived absent a

written agreement between you and us.

Governing Law and Enforcing our Rights

Governing Law. Federal law and the law of South Dakota, where we

are located, govern the terms and enforcement of this Agreement.

Enforcing this Agreement. We will not lose our rights under this

Agreement because we delay in enforcing them or fail to enforce

them.

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

Annual Percentage Rate

(APR) for Purchases

APR for Cash Advances

Paying Interest

Minimum Interest Charge

For Credit Card Tips from

the Consumer Financial

Protection Bureau

Fees

Annual Fee

Transaction Fees

. Cash Advance

Penalty Fees . Late Payment

. Returned Payment

28.99°/o

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

29.95°/o

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 on the transaction date.

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

To learn more about factors to consider when applying for or using a

credit card, visit the website of the Consumer Financial Protection

Bureau at http://www.consumerfinance.gov/learnmore

None

Either $10 or 5% of the amount of each cash advance, whichever is greater.

Up to $35 .

Up to $35 .

How We Will Calculate Your Balance: We use a method called “daily balance (including current

transactions).” See the Card Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided

in the Card Agreement.

The information about the costs of the card described in this application is accurate as of November 1, 2012.

This information may have changed after that date. To find out what may have changed, write to us at

Citibank, N.A., P.O. Box 6403, Sioux Falls, SD 57117.

New York residents may contact the New York State Banking Department to obtain a comparative listing of credit ca rd rates, fees and

grace periods by ca lling 1·877-226-5697.

rmn WHAT DOES CITIBANK DO WITH

– YOUR PERSONAL INFORMATION?

Financial companies choose how they share your

personal information. Federal law gives consumers

the right to limit some but not all sharing. Federal law

also requires us to tell you how we collect share, and

protect your personal information. Please read this

notice carefully to understand what we do.

The types of personal information we collect and

share depend on the product or service you have

with us. This information can include:

·Social Security number and income

·account balances and employment information

·credit history and transaction history

All financial companies need to share customers’

personal information to run their everyday business.

In the section below, we list the reasons financial

companies can share their customers’ personal information;

the reasons Citibank chooses to share;

and whether you can limit this sharing.

For our marketing purposes –

to offer our products and services

to you

For joint marketing with other financial

companies

For our affiliates’ everyday business

purposes –

information about your transactions

and experiences

For our affiliates’ everyday business

purposes –

information about your creditworthiness

For our affiliates

to market to you

For our nonaffiliates

to market to you

Yes No

Yes No

Yes No

Yes No

Yes Yes

Yes Yes

Yes Yes

Call1-877-491-0608- our menu will prompt you

through your choice(s).

Please note:

If you are a new customer, we can begin sharing your

information 30 days from the date we sent this notice.

When you are no longer our customer, we continue to

share your information as described in this notice.

However, you can contact us any time to limit our

sharing.

Call1-877-491-0608 or call the Customer Service

number on the back of your credit card or on your

billing statement.

How does

Citibank

protect my

personal information?

How does

Citibank

collect my

personal information?

Why can’t I

limit all

sharing?

Affiliates

To protect your personal information from

unauthorized access and use, we use security

measures to comply with federal law. These

measures include computer safeguards and

secured files and buildings.

We collect your personal information, for example,

when you

• provide account information or give us your contact

information

• provide employment information or apply for a loan

• use your credit or debit card

We also collect your personal information from

others, such as credit bureaus, affiliates, or other

companies.

Federal law gives you the right to limit only

• sharing for affiliates’ everyday business purposesinformation

about your creditworthiness

• affiliates from using your information to market to you

• sharing for nonaffiliates to market to you

State laws and individual companies may give you

additional rights to limit sharing. See below for

more on your rights under state law.

Companies related by common ownership or control.

They can be financial and nonfinancial companies.

• Our affiliates include companies with a Citi name;

financial companies such as Citi Global Markets, Inc.

and Banamex USA.

Nonaffiliates Companies not related by common ownership or

control. They can be financial and nonfinancial

companies.

Joint

marketing

• Nonaffiliates we share with can include companies

engaged in direct marketing and the selling of

consumer products and services.

A formal agreement between nonaffiliated financial

companies that together market financial products

and services to you.

For Vermont Residents: We will not share information we collect

about you with nonaffiliated third parties, except as permitted by

Vermont law, such as to process your transactions or to maintain

your account. In addition, we will not share information about your

creditworthiness with our affiliates except with your authorization.

For California Residents: We will not share information we collect

about you with nonaffiliated third parties, except as permitted by

California law, such as to process your transactions or to maintain

your account.

We may share your personal information, as permitted by law,

with the retailer whose name is on your card and with the

companies related to the retailer. You cannot limit this sharing.

lfllPO rta n_tl nforroi3t i o ni3 bout C:r~cJitReport i ng

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.

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:

• l.f_we mag_~ a mistake: You will not have to pay the amount in

question or any interest or other fees related to that amount.

• If we do not believe there was a mistake: You will have to pay

the amount in question, along with applicable interest and fees.

We will send you a statement of the amount you owe and the

date payment is due. We may then report you as delinquent if

you do not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you

must write to us within 10 days telling us that you still refuse to pay.

If you do so, we cannot report you as delinquent without also

reporting that you are questioning your bill. We must tell you the

name of anyone to whom we reported you as delinquent. and we

must let those organizations know when the matter has been settled

between us.

If we do not follow all of the rules above, you do not have to pay the

first $50 of the amount you question even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card

Purchases

If you are dissatisfied with the goods or services that you have

purchased with your credit card, and you have tried in good faith to

correct the problem with the merchant, you may have the right not to

pay the remaining amount due on the purchase.

To use this right. all of the following must be true:

1. The purchase must have been made in your home state or

within 100 miles of your current mailing address, and the

purchase price must have been more than $50. (Note: Neither

of these are necessary if your purchase was based on an

advertisement we mailed to you, or if we own the company that

sold you the goods or services.)

2. You must have used your credit card for the purchase.

Purchases made with cash advances from an 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 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.