Citi Student Credit Cards: Platinum Select, mtvU™ Platinum Select and Forward(SM)

Citi mtvU Platinum Select

• Up to 2000 reward points twice a year
for having a good GPA ¹

• 10% discount on music and entertainment
products at shop.mtv.com ²

• Access to exclusive mtvU experiences like
   free concert tickets, tickets to the mtvU
   Woodie Awards or VIP status at mtvU’s
   Spring Break

• 5 reward points for every $1 you spend
on books, movies, music and at
restaurants ¹

• 1 reward point for every $1 you spend on
other purchases ¹

• 25 reward points each month when
you pay on time and stay under your
credit limit ¹

• Lower Standard Purchase APR

• Citi Photocard features your picture and
signature on your card

n/a

• .25% purchase APR reduction when you
  make a purchase, stay under your credit
  line and pay on time 3 billing periods in
  a row³

• 100 points each billing period when
you pay on time and stay under your
credit line⁴

• 5,000 bonus points when you sign up for
paperless statements within 3 months of
account opening⁵

• 5 reward points for every $1 you spend on
books, movies, music and at restaurants ⁴

• 1 reward point for every $1 you spend on
other purchases ⁴

• 6,000 bonus points after $250 in purchases
made within 3 months ⁶

• Citi Identity Theft monitoring and $0 liability on fradulent charges

• Customize your due date and set credit limit alerts

• 0% APR on Purchases and balance transfers for 6 months, if you qualify, based on your application and credit history⁷

• No annual fee

* The 0% APR may increase if you default under any
   cardmember agreement you have with us because
   you pay us late, go over your credit limit, or have
   a returned check.

* Your payments will be applied to low APR
balances before higher ones.

* Balance transfer fees apply

1	250 to 2,000 ThankYou Points twice a year for a good GPA. 25 ThankYou Points a month for paying your bill on time and not going over your credit limit. 5 ThankYou Points for every dollar you spend at restaurants, bookstores, record stores, movie theaters and video rental stores. 1 ThankYou Point for every dollar you spend on other purchases. You can earn up to 75,000 points per calendar year. Limited quantities available for mtvU exclusive rewards. See Terms and Conditions for more information on ThankYou Network, Citi mtvU Platinum Select Visa Card Terms and Conditions.
2	You will receive a 10% statement credit for all purchases made at www.shop.mtv.com. The 10% discount will be applied to the total purchase amount, including shipping, handling and tax. Your statement credits will appear in the Credits section of your statement at the end of the billing cycle during which the purchases are made.
3	Reduce your purchase APR by .25% when you 1) make a purchase, 2) stay under your credit line and 3) pay at least your minimum amount due on time 3 billing periods in a row. Your Card Account must be open and not in default at the time of the quarterly reduction or such quarterly reduction will not apply. The purchase APR on your account can be reduced a maximum of 8 times up to a total reduction of 2% throughout the time your account is open. The APR reduction does not apply to Balance Transfers or Cash Advances
4	ThankYou® Network Citi Forward Card Terms and Conditions ThankYou Network is offered to certain cardmembers (“you”) at the sole discretion of Citibank (South Dakota), N.A. (“we”), the issuer of your card account (“Card Account”). ThankYou Network or any portion thereof may be revised or terminated with 30 days prior written notice.. Any revisions may affect your ability to use the ThankYou Points you have already accumulated. If ThankYou Network is terminated, you will only have 90 days from ThankYou Network termination date to redeem all your accumulated ThankYou Network points (“ThankYou Points”). ThankYou Network rewards and ThankYou Point levels required for specific rewards are subject to change without notice. Unless you are participating in a limited-time offer, you will earn five ThankYou Points for every dollar you spend on purchases at (1) book stores, (2) record stores, (3) restaurants, including fast food restaurants, (4) motion picture theaters, and (5) video entertainment rental stores ("qualifying merchants"). You will earn one ThankYou Point for every dollar you spend on all other purchases. Book stores are defined as stand-alone merchants that primarily sell, for consumer use, books (including textbooks), magazines, maps, and calendars. Record stores are defined as stand-alone merchants that primarily sell, for consumer use, records, compact discs (CDs), music and video laser discs, and blank audio and videotapes. Restaurants, including fast food restaurants, are defined as stand-alone merchants that primarily prepare food and drinks for immediate consumption by consumers, either on the merchant's premises or packaged for carryout. Motion picture theaters are defined as stand-alone merchants that operate movie theaters, and sell tickets as well as refreshments. Video entertainment rental stores are defined as stand-alone merchants that primarily rent videotapes, laser discs, DVDs, and video games for consumer use at home. Purchases not eligible to receive the five points include, but are not limited to, purchases made at warehouse clubs, discount stores, department stores and convenience stores. Online and catalog purchases are not eligible to receive five ThankYou Points unless the merchants appropriately identify the transactions. We do not determine whether merchants appropriately identify all transactions you make on your Card Account, but we do reserve the right to determine which purchases are qualify for ThankYou Points. You can earn up to 75,000 ThankYou Points during any calendar year (eligible purchases appearing on your January - December billing statements). You may only earn ThankYou Points on your Card Account as long as it is open and current. ThankYou Points expire five years from the end of the month in which they are earned unless ThankYou Network is terminated. You will earn 100 bonus ThankYou Points at the end of every billing cycle during which you make your Minimum Payment or more on time, and at the end of which you are not over your credit limit. Your account must be open and not in default under any Card Agreement in order to be eligible for this award. Accounts with a zero Minimum Payment due at the end of a billing cycle will not be eligible for an award for that cycle. These bonus points are not included in the annual calendar year limit. If you are approved for a Card Account, a ThankYou Network Member Account (“ThankYou Member Account”) will be set up for you. ThankYou Points post to your Card Account at the close of each billing cycle, and at that time, we will transfer the ThankYou Points you earned to your ThankYou Member Account. ThankYou Points are not eligible for redemption until they are transferred to your ThankYou Member Account. ThankYou Points may not be redeemed and may be lost if your Card Account is not open or current.
5	5,000 bonus ThankYou Points can be earned by new Citi Forward cardmembers approved through this offer. To receive bonus points, sign up for Paperless Statements on this account within 3 months of account opening. You may only receive this bonus one time. All points become available for redemption when they are transferred from your Card Account to your ThankYou Member Account.
6	6,000 bonus ThankYou Points can be earned by new Citi Forward cardmembers approved through this offer. To receive bonus points, make $250 in purchases within 3 months of account opening. All points become available for redemption when they are transferred from your Card Account to your ThankYou Member Account.
7	For the Citi mtvU Platinum Select Visa Card and Citi Platinum Select Card, if you qualify, based on our review of your application and credit history, you will receive a 0% APR on purchases and balance transfers for 6 months from date of account opening for rates 1, 2 or 3. There is no promotional rate if you qualify for rate 4. After the promotional period ends, the standard purchase APR will be applied to remaining promotional balances. The standard variable APR for purchases on the Citi mtvU Platinum Select Visa Card is either 17.24% Rate 1, 18.24% Rate 2, 21.24% rate 3, 21.24% rate 4. The standard variable APR for purchases on the Citi Platinum Select Card is either 16.24% Rate 1, 17.24% Rate 2, 20.24% rate 3, 20.24% rate 4. For the Citi Forward Card, after promotional period, standard APR for purchases applies to remaining promotional balances. The standard variable APR for purchases on the Citi Forward Card is 17.24%. For all cards: The standard variable APR for cash advances is 21.99%. However, if you default under any Card Agreement because you pay us late, go over the credit line or make a payment to us that is not honored, we may automatically increase the rate on all balances (including promotional APR balances) to a variable default rate of 29.99%. Minimum finance charge is $.50. Foreign purchase transaction fee is 3.0% of US dollar amount of each purchase made outside the U.S. Balance transfer fee is 3.0% of each balance transfer amount, $5 minimum. Cash advance fee is 3.0% of each cash advance amount, $5 minimum.