TERMS AND CONDITIONS:

* After the introductory period ends, the standard purchase APR will be applied to unpaid introductory balances. (The standard variable APR for purchases is either 12.99% Rate 1, 16.99% Rate 2 or 20.99% Rate 3 in that order based on your creditworthiness, standard variable APR for cash advances – 25.24%.) The variable Penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. Minimum interest charge – $0.50. Fee for Foreign Purchases –– 3% of the U.S. dollar amount of each purchase made outside the U.S. Cash advance fee ––– Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee –– Either $5 or 4% of the amount of each transfer, whichever is greater. New cardmembers only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.

CITI DIVIDEND CARD REWARD PROGRAM INFORMATION

• Your Citi Dividend Card account ("Card Account") will receive a rebate based upon eligible transactions appearing on your current month’s billing statement. The only eligible transactions are purchases, cash advances and balance transfers. The rebates will show cumulatively on your statement as "Dividend Dollars", as long as your Card Account is open and current. However, if your Card Account is no longer open or current, you will not be able to earn or redeem Dividend Dollars.

• Unless you are participating in a limited-time promotional offer, you will earn 1% on purchases. You will earn 1% on cash advances and cash convenience check amounts billed at the standard cash advance rate. You will receive five Dividend Dollars for each individual balance transfer transaction of $1,500 or more. Limited promotional offers do not apply to personal banking transactions you make using your card. So you will earn only 1% on these transactions.

• You may accumulate a maximum of 300 Dividend Dollars in any calendar year (eligible transactions appearing on your January - December billing statements) payable in checks of $50 increments only upon your request. Dividend Dollars earned on purchases through the Citi Bonus Cash Center are not subject to the $300 calendar year maximum accumulation.

• Dividend Dollars will not expire as long as you have qualifying purchase activity at least once every 12 months unless the Citi Dividend Card Reward Program is terminated in which case you will have only 30 days to request redemption of your eligible Dividend Dollars. (Cash advances, cash convenience checks, and balance transfer transactions do not count as qualifying purchase activity.) You have no property rights or other legal interest in Dividend Dollars. Dividend Dollars have no cash value until such time as you may request and receive a check for your redemption eligible Dividend Dollars. You may not assign, transfer, or pledge your Dividend Dollars.

• When you become a cardmember, you will receive the full Citi Dividend Card Terms and Conditions which we may change at any time with 30 days prior written notice. In addition, we may terminate the Citi Dividend Card Reward Program with 30 days prior written notice.

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