Citi^® FORWARD Visa card Terms and Conditions

L. 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

ThankYou® Network

M. 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.

N. 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.

6,000 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.

Citi® Platinum Select® / AAdvantage® World Mastercard

E. This American Airlines AAdvantage® miles offer is valid only for first-time Citi® / AAdvantage® cardmembers who apply pursuant to this offer for an account by February 28, 2010. The American Airlines AAdvantage® miles will appear as a bonus in your AAdvantage® account 8-10 weeks after you have met the purchase requirements.

F. A total of 25,000 American Airlines AAdvantage® miles may be redeemed for roundtrip Coach Class Continental U.S. / Canada MileSAAver^SM awards. For more information on AAdvantage® award redemption please see Redeem Miles at www.aa.com/aadvantage.

G. American Airlines, American Eagle, and the AmericanConnection® service do not have restricted dates for award travel. Seats for award travel are limited, and may not be available on all flights. Flight awards are subject to AAdvantage® program rules and restrictions. Award travel may be subject to travel embargo dates on some AAdvantage® program participating airlines.

H. Provided that once every 18 months you (i) redeem American Airlines AAdvantage® miles or (ii) earn them on American Airlines, American Eagle, or the AmericanConnection® carriers or (iii) earn AAdvantage® miles with an AAdvantage® participant. For complete details visit www.aa.com/aadvantage.

I. The maximum number of AAdvantage® miles you can earn with the Citi® Platinum Select® / AAdvantage® World MasterCard® is 100,000 AAdvantage® miles per calendar year. AAdvantage® bonus miles are excluded from this mileage cap. AAdvantage Executive Platinum®, AAdvantage Platinum®, and AAdvantage Gold® members are excluded from this limit. AAdvantage® miles are only earned on eligible purchases.

J. The Reduced Mileage Awards program allows Citi® / AAdvantage® cardmembers to redeem AAdvantage® miles for MileSAAverSM awards to destinations selected quarterly. The MileSAAver® discount is 7,500 American Airlines AAdvantage® miles round trip for this Citi® / AAdvantage® Card®. Redemption of Reduced Mileage Awards applies only to bookings made by phone through American Airlines Reservations or through airport or city ticket offices. All such award travel is subject to an additional payment of $20. The above amount does not apply to AAdvantage Executive Platinum® members and AAirpass® customers. All such additional amounts are subject to change. For the complete list of Reduced Mileage Awards, visit www.reducedmileageawards.citicards.com

The Citi® / AAdvantage® card is offered in many countries. If you are not a U.S. resident visit www.global.aadvantage.citicards.com for information on how to apply for the card where you live.

American Eagle service is operated by American Eagle Airlines, Inc., or Executive Airlines, Inc., which are wholly owned by the parent company of
American Airlines. AmericanConnection® service is operated by Chautauqua Airlines, Inc., which is an independent contractor.

American Airlines reserves the right to change AAdvantage® program rules, regulations, travel awards and special offers at any time without notice and to end the AAdvantage® program with six months notice. Any such changes may affect your ability to use the mileage awards or credits that you have accumulated. Members may not be able to obtain all offered awards at all times or use awards for all destinations or on all flights. AAdvantage® travel awards, mileage accrual and special offers are subject to government regulations. American Airlines is not responsible for products or services offered by other participating companies. For complete details about the AAdvantage® program, visit www.aa.com/aadvantage.

American Airlines, AAdvantage, AAdvantage with Scissor Eagle Design, Scissor Eagle Design, AAdvantage Executive Platinum, AAdvantage Platinum, AAdvantage Gold, AAirpass, American Eagle, AmericanConnection, Admirals Club, MileSAAver and AA.com are trademarks of American Airlines, Inc.

© 2010, Citigroup (South Dakota), N.A. Citi, Citibank, Platinum Select, and Diamond Preferred, are registered service marks of Citigroup Inc. MasterCard® is a registered trademark of MasterCard International Incorporated

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