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TERMS AND CONDITIONS OF OFFER

• This offer is only valid for new accounts. You must be at least 18 years of age (21 years of age if a resident of Puerto
Rico). If you are married, you may apply for a separate account. Citibank, N.A. (“we” or “us”) is the issuer of your
account. Citibank, N.A. is located in Sioux Falls, SD. Credit card offers are intended for residents of, and this is not an
offer for the credit card to individuals outside of, the United States and its Territories.
• 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 report, and the names and addresses of any credit bureaus
that provided us with such reports.
• You agree that you are furnishing the application information, as well as any updates to that information, including
telephone number and e-mail address, to Best Buy, Citibank, and their affiliates.
• You authorize us to share with Best Buy and its affiliates experiential and transactional information regarding your
account and your account activity with us.
• To receive a Best Buy Account, you must meet our credit qualification criteria. Your credit limit will be determined by the
income you provided and a review of your debt, including the debt listed on your credit report. You will be informed of
the amount of your credit limit when you receive your card.
• To receive an Account, you must meet our applicable credit qualification criteria. You are applying for a My Best Buy®
Visa® Platinum Account. If based upon your creditworthiness, you do not qualify for the My Best Buy® Visa® Platinum
Account, you agree that Citibank may consider you for, in order, a My Best Buy® Credit Card and a My Best Buy® Visa®
Gold Account. The Credit Card Disclosures and Card Agreement will show you the type of Account you received. Your
credit limit will be determined by the income you provided and a review of your debt, including the debt listed on your
credit report. You will be informed of the amount of your credit limit when you receive your card. Please note that cash
advances may be limited to a portion of your credit limit.
• For Visa accounts only, balance transfers are made available at our discretion. All balance transfers are subject to the
regular purchase APR unless an introductory or other promotional rate applies. To make a balance transfer call us at
the number on your statement or the back of your card.
• Please see the attached Card Agreement for important information, including our right to change the terms of the
account (including rates and fees) in accordance with the Card Agreement.

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 credit 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.

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial
institutions to obtain, verify, and record information that identifies each person who opens an account. This means that we
will ask for your name, address, date of birth, and other information that will allow us to identify you when you open an
account. We may also ask to see your driver’s license or other identifying documents; and obtain identification information
about you or any authorized user you add to your account.

Authorization for the Social Security Administration to Disclose your Social Security Number Verification
You authorize the Social Security Administration (SSA) to verify and disclose to Citibank, N.A. through Experian for the
purpose of this transaction whether the name, Social Security Number (SSN) and date of birth you have submitted
matches information in SSA records. Your consent is for a one-time validation within the next 90 days.

MY BEST BUY™ PROGRAM

• You are requesting enrollment in the My Best Buy™ program, which is managed by Best Buy. You should register your
My Best Buy™ membership at www.bestbuy.com/mybestbuyterms. Enrollment in the My Best Buy™ program is not
based on creditworthiness. My Best Buy® Credit Card transactions that occur via a mobile wallet may not receive loyalty
benefits or promotional financing offers. You understand and agree that participation in the My Best Buy™ program

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requires your name, address, e-mail address and telephone number be provided to Best Buy. By enrolling in the My
Best Buy™ program, you agree to receive marketing communications from Best Buy, unless you opt out by calling Best
Buy at 1-888-BEST-BUY (1-888-237-8289) (For TTY: We accept 711 or other Relay Service). See www.bestbuy.com/
mybestbuyterms for current rules.

MY BEST BUY™ PROGRAM TERMS

For most current Terms, see www.bestbuy.com/mybestbuyterms.

Membership begins when you register your membership at www.bestbuy.com/mybestbuyterms.

Communications about the program, including changes, primarily will be electronic by e-mail or on www.bestbuy.com/
mybestbuyterms.

My Best Buy® Credit Card Disclosures

Interest Rates and Interest Charges
Annual Percentage Rate (APR)
for Purchases
31.49%
This APR will vary with the market based on the Prime Rate.

How to Avoid Paying Interest 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 (minus any
excluded balance, plus any separately required payment on an excluded balance)
by the due date each month.

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

For Credit Card Tips from the To learn more about factors to consider when applying for or using a credit
Consumer Financial Protection card, visit the website of the Consumer Financial Protection Bureau at http://
Bureau www.consumerfinance.gov/learnmore

Fees
Annual Fee None

Penalty Fees

• Late Payment Up to $41

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.

For more information call Citibank, N.A. at 1-888-574-1301 (For TTY: We accept 711 or other Relay Service). New York
residents may contact the New York State Department of Financial Services at 1-800-342-3736 or www.dfs.ny.gov for free
information on comparative credit card rates, fees and grace periods.

Variable APRs: Variable APRs are calculated based on the Prime Rate plus the additional amount shown in the Details
About Your Interest Rates table below.

Notice to Married Wisconsin Residents: You must promptly provide your spouse’s name and address to us by calling
1-888-574-1301 (For TTY: We accept 711 or other Relay Service).

Protections for Active Duty Service Members and Their Dependents: Please see the section of the Card Agreement
entitled “Protections for Active Duty Service Members and Their Dependents.”

Promotions: Promotional terms may be available from time to time. See the “Promotions” section of your Card
Agreement for details.

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Excluded Balances: See your Card Agreement for details on excluded balances and how they affect your grace period.

Details About Your APR as of Daily Periodic Rate as of For variable rates: U.S. Prime Rate Plus
Interest Rates 12/24/2024 12/24/2024 the following “Margin”:

Regular Purchases 31.49% (v) 0.08627% 23.99%

(v) = variable rate. Variable APRs are based on a U.S. Prime Rate of 7.50% as of 12/24/2024.

DEFERRED INTEREST PROMOTIONAL OFFERS ON THE MY BEST BUY® CREDIT

CARD
From time to time, you may be offered special limited time only deferred interest promotional offers.

Deferred interest promotional offers include the following types of offers:

• No Interest if Paid in Full in 6 Months

• No Interest if Paid in Full in 12 Months
• No Interest if Paid in Full in 18 Months
• No Interest if Paid in Full in 24 Months
• No Interest if Paid in Full in 36 Months
• No Interest if Paid in Full by a specified date

If the balance is not paid in full by the end of the promotional period, interest charges will be imposed from the purchase
date at the variable purchase rate on your account which is 31.49% APR. The variable APR is as of 12/24/2024 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 purchase requirements as
disclosed in the offer. Minimum monthly payments are required. Making only the minimum monthly payment will not avoid
accrued interest charges and will not pay off the purchase balance by the end of the promotional period.

Your Card Agreement, the terms of the offer, and applicable law govern these transactions including increasing APRs.

CARD AGREEMENT
This Card Agreement (Agreement) is your contract with us. The Credit Card Disclosures are part of this Agreement.
The Credit Card Disclosures show important information about your Account, such as your Annual Percentage Rates
and certain fees. Any amendments to this Agreement also are part of this Agreement. Please read all parts of this
Agreement, including the arbitration provision, and keep it for your records.

DEFINITIONS
Account — Your credit card account.

Adjusted New Balance — The New Balance, minus any Reduced Rate Credit Plan balance, and minus any balance
subject to the Promotion Calculation.

Annual Percentage Rate (APR) — A rate, shown as a percentage, used to calculate interest on the balance on your
Account.

Authorized User — Any person you allow to use your Account after you give us that person’s name as an authorized
user.

Billing Cycle — The period of time between each date when we create a billing statement for your Account. For each
Billing Cycle, your billing statement will show any Transactions, other charges, payments and other credits posted during
that Billing Cycle.

Business Day — Monday through Friday, excluding federal holidays.

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Card — One or more cards or other devices (including an Account number) used to access your Account to obtain credit.

Consumer Reporting Agency — An organization, such as Experian, Equifax and TransUnion, that compiles credit
information for the purpose of generating consumer credit reports. It’s also known as a “credit bureau” and a “credit
reporting agency.”

Deferred Interest Promotion — See the Promotions section of the Agreement.

include and including — These terms mean “include [or including] without limitation.”

Late Payment — A payment is late if you don’t pay at least an amount equal to the Minimum Payment Due by the
payment due date.

New Balance — The total amount you owe us at the end of each Billing Cycle. This amount is shown on each billing
statement under the heading “New Balance.” We explain how we calculate the New Balance below.

Overlimit Amount — The amount by which your Account balance exceeds your credit limit in any Billing Cycle.

Purchase — Use of your Card to buy goods and services.

Reduced Rate Credit Plan — See the Promotions section of the Agreement.

Returned Payment — A payment that isn’t honored by your financial institution.

Transaction — A Purchase.

we, us and our — Citibank, N.A.

you and your — The cardmember or cardmembers who opened the Account, and any other person who is or becomes
obligated under this Agreement to repay amounts borrowed using the Account.

You’ll find definitions of other terms within this Agreement.

YOUR ACCOUNT
Your Account use is subject to this Agreement. You must pay us for all amounts due on your Account, including:
Transactions you make, even if you didn’t present your Card or sign for the Transaction; Transactions an Authorized User
makes; Transactions that other people make if you or an Authorized User let them use your Account, even if you did not
intend to be responsible for those Transactions; and any fees and interest charges on the Account.

Binding Agreement. This Agreement takes effect once you use your Card. Even if you don’t use your Card, this
Agreement will take effect unless you contact us to cancel your Account within 30 days after we sent you this Agreement.

Credit Limit. We assign a credit limit to your Account. We may authorize Transactions that cause your balance to exceed
your credit limit.

Joint Account. If two or more people are or become obligated under this Agreement to repay amounts borrowed using
the Account, then each of you is responsible for all amounts owed and for any defaults, even if the Account is used or
managed by only one of you. Each of you will be liable for the entire balance of the Account, even if a court orders only
one of you to pay us. We will report information about your Account to the Consumer Reporting Agencies under each of
your names. We may only deliver notices or billing statements to one of you, but that delivery will serve as delivery to each
of you. Each of you has authority to manage the Account. We’ll follow instructions about the Account from either of you.
We’re not liable if we act on instructions from one of you.

Consumer Purposes. You aren’t permitted to use your Account for business purposes. If you do use your Account for
business purposes, this Agreement still applies, and you must pay us for those Transactions. You have to pay us for any
damages and/or expenses resulting from that use. In addition, we may also close your Account.

Unlawful Transactions. You aren’t permitted to use your Account for unlawful Transactions. If you do use your Account
for unlawful Transactions, this Agreement still applies and you must pay us for those Transactions. You also may have to
pay us for any damages and expenses resulting from that use. In addition, we may close your Account.

Mobile Phone or Other Devices. Smart phones, tablets and other electronic devices can store your Card (such as
through a mobile wallet or app). This means they can be used to make Transactions. Any such Transactions are covered
by this Agreement. A mobile wallet or app that uses your Card to make Transactions may have separate terms of use.

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We’re not responsible if you violate those terms, or for any consequences resulting from any violation.

ANNUAL PERCENTAGE RATES (APRS) & INTEREST CHARGES

The following sections explain how we calculate the interest you owe each Billing Cycle.

APRs. We use APRs to calculate interest charges on your Account. Different APRs may apply to different Transactions.
See the listing of your APRs on the Credit Card Disclosures.

Variable APRs. A variable APR is an APR that can change each Billing Cycle. We calculate each variable APR first by
taking the U.S. Prime Rate from The Wall Street Journal (WSJ) two Business Days before the last day of each Billing
Cycle. (If the WSJ doesn’t publish the U.S. Prime Rate that day, then we’ll use another publication.) Then we add to the
U.S. Prime Rate a certain percentage amount, which we call the Margin. If an APR applicable to your Account is variable,
you can find the Margin we use for your Account in the Details About Your Interest Rates section of the Credit Card
Disclosures. Your variable APRs will increase if the U.S. Prime Rate increases and decrease if the U.S. Prime Rate
decreases. If a variable APR increases, then your interest charges and Minimum Payment Due may increase.

If the U.S. Prime Rate changes, we’ll apply the new variable APR starting from the first day of the Billing Cycle when we
take the U.S. Prime Rate from the WSJ. The new APR will apply to existing balances, as well as balances added to your
Account after the change.

Daily Balance. We calculate interest on your Account each Billing Cycle first by calculating each of your daily balances.
The following explains how we do that.

Here’s how and when Transactions, fees and credits are applied to the balances on your Account:

• We add the amount of a Purchase to the Purchase balance or applicable promotional balance as of the transaction date
on your billing statement.
• We add a Transaction fee to the same balance as the Transaction as of the transaction date on your billing statement.
We’ll add any other fee to the balance of our choice as of the date we post the fee to your Account.
• If you’re charged interest in a Billing Cycle, but the amount calculated is less than the Minimum Interest Charge shown
on the Credit Card Disclosures, we’ll add additional interest to the balance(s) of our choice so that you’ll be charged
that Minimum Interest Charge for that Billing Cycle.
• We subtract credits applied or payments made as of the date they are credited to the Account.

Here’s how we calculate each of your daily balances on your Account:

• We start with the daily balance from the end of the previous day.
• We add any new Transactions, fees and other charges, including interest accrued on the previous day’s balance. This
means that interest is compounded daily.
• We subtract any credits applied or payments made as of that day.
• We make additional adjustments as appropriate, subject to applicable law. This gives us the daily balance for that day.

Interest Calculation. Each daily balance may have a different APR. Certain categories of Transactions in a daily balance
may have multiple APRs. For example, you may make a Purchase that’s subject to a promotional APR. If a daily balance
on your Account is subject to an APR, we’ll charge interest on that daily balance. We use the daily balance method (which
includes new Transactions). If interest applies to a balance, it will start applying on the day a charge is added to that
balance and continue until that balance is paid in full. We consider a credit balance as a balance of zero when calculating
interest on that balance.

• We multiply each daily balance by its applicable daily periodic rate (each applicable APR divided by 365).
• We do this for each day in the Billing Cycle. This gives us the daily interest amounts.
• Then we total all the daily interest amounts for all the daily balances and round to the nearest cent. This gives us the
total interest for the Billing Cycle.

Calculating the New Balance. To calculate the New Balance at the end of each Billing Cycle, we begin with the total
Account balance at the start of that Billing Cycle. Then we add any Transactions that are new to the Account during that
Billing Cycle. Then we subtract any credits applied or payments made during that Billing Cycle. Then we add any interest

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charges or fees incurred during that Billing Cycle and make any other adjustments, as applicable.

Grace Period on Purchases. Except as indicated below, you won’t pay any interest on Purchases if you pay the New
Balance in full by the payment due date shown on your billing statement each Billing Cycle. We call this a grace period on
Purchases. If you don’t pay your New Balance in full by the payment due date in a Billing Cycle, you won’t get a grace
period on Purchases again until you pay the New Balance in full by the payment due date shown on your billing statement
for two Billing Cycles in a row.

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 Promotion balances first, the Deferred
Interest Promotion 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. If you have a Reduced Rate Credit Plan, you will be charged interest on the Reduced Rate Credit Plan balance
from the start of the Billing Cycle following the Billing Cycle in which your Reduced Rate Credit Plan Purchase was made.
This means that you will not be charged interest on the Reduced Rate Credit Plan balance during the Billing Cycle in
which your Reduced Rate Credit Plan Purchase was made.

PROMOTIONS
From time to time we may offer you promotional terms relating to certain Transactions. These offers will be governed by
the terms of the promotional offer and this Agreement. Your promotional terms will end when the promotional period
expires. Promotional offers may include Deferred Interest Promotions and Reduced Rate Credit Plans.

Deferred Interest Promotion. Under a Deferred Interest Promotion, no interest charges will be imposed on your
Purchase if you pay off that Purchase in full before the end of the promotional period. If you do not pay the Deferred
Interest Promotion Purchase in full before the end of the promotional period, we will impose interest on that Purchase from
the date the Purchase was made. Interest charges on a Deferred Interest Promotion Purchase are based upon the APR
for regular Purchases.

Reduced Rate Credit Plan. Under a Reduced Rate Credit Plan, we may offer you a promotional APR on a specific
Purchase. If a promotional APR applies, it will apply so long as any portion of that Purchase balance remains on the
Account. We also calculate a separate amount that will be due on your Reduced Rate Credit Plan Purchase. This amount
will be included in the Minimum Payment Due until your Reduced Rate Credit Plan Purchase is paid in full.

FEES
Late Fee. We have the right to charge you a late fee if you have a Late Payment. The late fee is $30 and, if you have
another Late Payment within the next 6 Billing Cycles the late fee will be $41. The amount of your late fee will not exceed
the amount permitted by law.

PAYMENTS
Minimum Payment Due. You may pay all or a part of your Account balance at any time. You must pay at least the
Minimum Payment Due by the payment due date each Billing Cycle.

Your “Minimum Payment Due” equals:

• Any amount past due; plus

• Any amount due for a Reduced Rate Credit Plan, as described below; plus
• Any amount due as a result of application of the Promotion Calculation, as described below; plus
• The greater of:

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◦ The Adjusted New Balance, if it’s less than $30;

◦ $30 if the Adjusted New Balance is at least $30; or
◦ 1% of the Adjusted New Balance, plus any late fee, plus any billed interest or minimum interest charges, minus any
interest charges that accrued during prior Billing Cycles on a Deferred Interest Promotion that ended during the
Billing Cycle covered by the billing statement (the result is rounded up to the nearest dollar).

The Minimum Payment Due is never more than the New Balance.

Reduced Rate Credit Plan. The Minimum Payment Due will include any amount due on a Reduced Rate Credit Plan
balance. You must pay the amount due on a Reduced Rate Credit Plan balance, as described below, for so long as any
portion of that balance remains in that Reduced Rate Credit Plan. However, the amount due on a Reduced Rate Credit
Plan balance will never be more than the amount of that balance on the statement closing date. The amount due on each
Reduced Rate Credit Plan balance each Billing Cycle 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 Billing Cycle,
since the last time that balance was zero. The balance is zero at account opening. The repayment percentage for each
Reduced Rate Credit Plan is as follows:

• 4.1667% for the 24-month Reduced Rate Credit Plan with an APR of 0%.
• 4.5223% for the 24-month Reduced Rate Credit Plan with an APR of 7.99%.
• 4.7069% for the 24-month Reduced Rate Credit Plan with an APR of 11.99%.
• 3.1795% for the 36-month Reduced Rate Credit Plan with an APR of 8.99%.
• 3.3689% for the 36-month Reduced Rate Credit Plan with an APR of 12.99%.
• 2.6285% for the 48-month Reduced Rate Credit Plan with an APR of 11.90%.

Promotion Calculation. If you have a Deferred Interest Promotion balance subject to the Promotion Calculation, the
Promotion Calculation will equal 1% of this balance during the promotion period. (The result is rounded up to the nearest
cent.) After the promotional period, any such remaining promotional balance will be included in the Adjusted New Balance.
The Promotion Calculation will apply if, based on the amount of the Transaction as shown on the first billing statement that
displays the Transaction and the dollar amount in the Minimum Payment Due calculation in effect at the time of the
Transaction, we determined that paying such dollar amount each Billing Cycle would result in repayment of the
promotional balance before the end of the promotion period.

Note: Your payment due date is typically the same day of the month every month. You may request a change to your
monthly due date.

Application of Payments. We decide how to apply your payment, up to the Minimum Payment Due, and credits, to the
balances on your Account and you authorize us to apply payments and credits in a way that is most favorable or
convenient for us. This means we may apply such payments and credits first to balances with lower APRs and then to
balances with higher APRs. If you pay more than the Minimum Payment Due, we’ll apply the amount over the Minimum
Payment Due first to the balance with the highest APR, then to the balance with the next highest APR, and so on.
However, payments in excess of the Minimum Payment Due received before a Deferred Interest Promotion expires are
applied to the Deferred Interest Promotion balance first in the last two Billing Cycles of the promotional period or in the last
three Billing Cycles of the promotional period if the expiration date for the Deferred Interest Promotion is before the
payment due date in the Billing Cycle in which the promotion expires.

Payment Instructions. You must pay in U.S. dollars. You must use a check or electronic debit issued by a bank in the
United States. You must not send us a check dated after the date that we receive it. You must not enclose more than one
check per envelope. You must not include any restrictive endorsements on the check. You must follow the above
instructions and the additional payment instructions shown on your billing statement when making a payment. If you do,
we’ll credit the payment to your Account as of the day we receive it.

If you don’t pay in U.S. dollars and we accept your payment, we’ll select the currency conversion rate, and you must pay

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our costs. If you don’t follow our payment instructions, we may not accept your payment, or there may be a delay in
crediting your Account. Either case may result in late fees and additional interest charges to your Account. If you don’t
follow the instructions in this Agreement or on your billing statement, we may accept your payment without losing our
rights. We may reject a payment if it’s more than the outstanding Account balance. We also may close your Account.

AUTHORIZED USERS
Account Use by Authorized Users. You can ask us to add one or more Authorized Users to your Account. If we
approve, use of your Account by an Authorized User is subject to the terms of this Agreement. You must obtain permission
from each Authorized User before naming that person as an Authorized User on your Account. You must make a copy of
this Agreement available to each Authorized User. You must pay us for all charges incurred by each Authorized User. You
must notify us to remove an Authorized User from your Account. If we remove an Authorized User, in some cases we may
close your Account, open a new Account and issue you a new Card.

You’re responsible for: any Transactions made by an Authorized User on your Account; any Transaction made by an
Authorized User even if the transaction date shown on your billing statement for that Transaction occurs after the date you
ask us to remove the Authorized User from your Account; any Transactions made by others if an Authorized User allows
them to use your Account; and fees and charges resulting from any Transactions made by an Authorized User or others if
an Authorized User allows them to use your Account.

Subject to any limitations we may impose, actions each Authorized User may take include: reporting lost or stolen Cards;
requesting billing statement copies; initiating billing disputes; obtaining Account information such as Transaction histories;
and making payments.

Account Information Rights for Authorized Users. You allow us to discuss your Account with an Authorized User. This
includes giving the Authorized User access to your Account information and history. You also agree that an Authorized
User may use and receive information about the Account the same way you do. An Authorized User can’t add other
Authorized Users, request refund checks, change the billing address for your Account, adjust the credit limit or close the
Account.

Information about Authorized Users. You agree to give us certain personal information about each Authorized User.
You must let each one know that you’ll give us that information and you must have the Authorized User’s permission to do
so. You must have permission from each one to allow us to share information about the Authorized User as allowed by
applicable law. This includes information we may get from you, any Authorized User and others. It also includes
information about their Transactions on the Account.

Credit Reporting. We report information about this Account to Consumer Reporting Agencies in the Authorized User’s
name that may appear on their credit report. This could include information about Late Payments, Overlimit Amounts,
Returned Payments, and other violations of this Agreement.

You must let each Authorized User know that we report Account information in the Authorized User’s name. Also, see
Credit Reporting section.

DEFAULT, CLOSING OR SUSPENDING YOUR ACCOUNT

Default. We may require immediate payment of your total Account balance, to the extent allowed by law, if any of the
following occurs: you have a Late Payment; you have a Returned Payment; you file for bankruptcy or some other
insolvency proceeding is filed by or against you; you don’t honor the terms of this Agreement; you default under any other
card agreement you have with us; or you’re declared incompetent or mentally incapacitated, or in the event of your death.

Closing or Suspending Your Account. We may close or suspend your Account if any of the events listed above occur,
or for any reason, or for no reason. We may do this at any time, without notifying you, as allowed by law. We may cancel
your current Card and issue you a substitute Card at any time. You also may close your Account at any time by notifying
us by telephone or in writing. If we close or suspend your Account, or if you close your Account, you must pay us all
amounts you owe on the Account, even if they post to your Account after it’s closed or suspended.

CREDIT REPORTING
You allow us to get information about you. We get it from Consumer Reporting Agencies and other sources that provide
consumer financial information. You allow us to use it for: renewal of your Account; credit line increases or decreases;
administration or review of your Account, collection and any other servicing; all other credit-related purposes connected
with this Agreement; offers for other cards and other services; and other uses permitted by law.

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We report Account information in your name, as well as information about you to Consumer Reporting Agencies, on a
monthly basis. The information we provide may appear on your credit reports. This can include information about: Late
Payments; Overlimit Amounts; Returned Payments; and other violations of this Agreement.

If you think we’ve given incorrect information to a Consumer Reporting Agency about you (or about an Authorized User),
please write to us at the Customer Service Inquiries address on your billing statement and we’ll research it. We’ll let you
know if we agree or disagree with you. If we agree with you, we’ll contact each Consumer Reporting Agency we reported
to and request a correction.

ACCOUNT INFORMATION, INFORMATION SHARING & COMMUNICATIONS

Changes to Account Information.You provided certain personal information to us when you opened your Account. You
agree to notify us if this information changes. If you don’t, or if we ask you to verify your Account information and you
cannot, we may suspend or close your Account.

Information Sharing.You agree to let us share information about you and your Account as allowed by law. This includes
information we get from you and others. Our privacy notice, which we have provided to you, describes reasons we can
share our customers’ personal information.

Contacting You. You agree that we (and/or our service providers or anyone we authorize) may contact you at any phone
number, email address or mailing address you provide or we obtain in other ways. This includes communications to
mobile, cellular/wireless, or similar devices. We may contact you by live operator, auto-dialer, recorded or artificial voice,
text, or email. You agree to pay any charges from your plan provider for communications we send to you, as well as
communications you send to us.

How We Capture and Use Voiceprints. We may use voice recognition technology to verify your identity when you call.
We may capture and store your voiceprint for this purpose.

Call Monitoring. We may monitor and record any calls between you and us.

Notices. We send any notices to your billing address or, if you’ve agreed, by email to the address you gave us. We
consider a notice sent as soon as we send it.

TRANSACTIONS
Merchant Refunds. A merchant refund to your Account will post to your Account as a credit. We don’t control when a
merchant sends an Account credit. We’ll choose how to apply the credit to your existing Account balances, including, if we
choose, to any existing promotional balances.

Recurring Authorized Transactions. If you authorize a merchant or any other person to charge your Account for
recurring Transactions, you must notify the merchant if: you want to discontinue these Transactions; your Account is
closed; your Account number changes; or your Card expiration date changes. You’re responsible for reinstating any
recurring authorized Transactions.

Refusal of the Card. We don’t guarantee approval of Transactions. We are not liable for those that aren’t approved, even
if you have enough available credit on your Account. If we detect unusual or suspicious activity, we may suspend your
credit privileges. We also may limit the number of Transactions approved in a single day.

PROTECTIONS FOR ACTIVE DUTY SERVICE MEMBERS AND THEIR DEPENDENTS.

Protections. Federal law provides important protections to members of the Armed Forces and their dependents relating
to extensions of consumer credit. In general, the cost of consumer credit to members of the Armed Forces and their
dependents may not exceed an APR of 36 percent. This rate must include, as applicable to the credit transaction or
accounts: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the
credit transaction; any application fee charged (other than certain application fees for specified credit transactions or
accounts); and any participation fee charged (other than certain participation fees for a credit card account). You are
entitled to these protections if you are a Covered Borrower, as defined below.

Covered Borrower. You are a Covered Borrower if, in connection with the opening of your Account, we determine you are
an active duty member of the Armed Forces (including active Guard and Reserve duty) or a dependent of an active duty
member. You will cease to be a Covered Borrower if we determine you are no longer an active duty member of the Armed
Forces (including active Guard and Reserve duty) or a dependent of an active duty member.

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Oral Disclosures. If you are a Covered Borrower, you may obtain information related to your Account, including
information about these protections and your payment obligation, by calling 1-877-625-6379 (For TTY: We accept 711 or
other Relay Service).

Arbitration. The section of the Card Agreement entitled “ARBITRATION” does not apply if you are a Covered
Borrower at the time your Account is opened.

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 (FAA), 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 (“AAA”) according to this arbitration provision
and the applicable AAA arbitration rules in effect when the claim is filed (“AAA Rules”), except where those rules conflict
with this arbitration provision. You can obtain copies of the AAA Rules at the AAA’s website (www.adr.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 at 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 AAA forms and requisite filing fees to the AAA.
• The arbitration shall be conducted by a single arbitrator in accord with this arbitration provision and the AAA Rules,
which may limit discovery. The arbitrator shall not apply any federal or state rules of civil procedure for discovery, but

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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 FAA 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’ll 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 AAA 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 AAA 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 make decisions based on a majority vote.
Arbitration fees for the arbitration appeal shall be allocated according to the applicable AAA 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.

AGREEMENT & BENEFIT CHANGES

Changes to this Agreement. We may change this Agreement for any reason and at any time, subject to applicable
law. This means that we can change rates and fees that apply to your Account. It also means we can add, replace
or remove provisions of this Agreement. If required by applicable law, we’ll give you notice of the changes. If you
have the right to reject a change, we’ll notify you and tell you how to reject. If we notify you of a change, we may
do so on your billing statement or send you a separate written notice, either of which may be sent electronically if
permitted by applicable law.

Changing Benefits. Any benefit, reward, service or feature offered may change or be discontinued at any time for any
reason. Separate terms and conditions will describe any exceptions.

MISCELLANEOUS
Assignment. We may assign any or all of our rights and obligations under this Agreement to a third party. You may not

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sell, assign or transfer your Account or any of your obligations under this Agreement.

Governing Law. Federal law and the law of South Dakota govern the terms and enforcement of this Agreement.
Enforcing this Agreement. We won’t lose our rights under this Agreement because we delay in enforcing them or fail to
enforce them. If any provision of this Agreement is found to be unenforceable, all other provisions of the Agreement will
remain in effect.

Collection Costs. To the extent allowed by law, you’re liable to us for our legal costs if we refer collection of your Account
to a lawyer who isn’t our salaried employee. These costs may include reasonable attorneys’ fees, as well as costs and
expenses of any legal action.

Correction of Errors. If we incorrectly apply a payment or credit to your Account, make an incorrect payment or transfer
of funds to you or an Authorized User or anyone else on your behalf or on behalf of an Authorized User, or make any other
error regarding your Account, you agree that we may correct the error. We may correct the error by making adjustments to
your Account, requiring you to repay us for any incorrect payments, credits or transfers, or taking other actions we
determine are appropriate to correct the error. You agree to cooperate with us to correct any of these errors.

Unforeseen Circumstances. From time to time, our services might be unavailable due to circumstances beyond our
control (such as fires, floods, natural disasters, system failures or other unpredictable events). When this happens, you
might not be able to use your Card or obtain information about your Account. We’re not responsible or liable if this
happens.

Lost or Stolen Account Information. You must try to prevent the unauthorized use of your Account and any Card,
including your Account number or any other means to access your Account. You must call us if any Card or means to
access your Account is lost or stolen. Also, you must call us if you think someone has used or may use these items
without permission.

Headings. The headings in this Agreement are included as a matter of convenience and don’t define, limit or enlarge the
scope of this Agreement or any of its provisions.

YOUR BILLING RIGHTS

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. Keep this
document for future use.

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 2 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

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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 transaction 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.

Your Rights if You’re 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 is 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.

For Further Information:Call the Account Inquiries number shown on the billing statement or the Customer Service
number on the back of your Card if you need more information.

© 2025 Citibank, N.A.

100-BBY-PL-US 0125

My Best Buy® Visa® Platinum Card Credit Card Disclosures

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Interest Rates and Interest Charges

Annual Percentage Rate (APR)
for Purchases
31.49%
This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers 31.49% for balance transfers completed within 4 months from date of account
opening. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances 29.99%

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

Paying Interest 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 (minus any
excluded balance, plus any separately required payment on an excluded balance)
by the due date each month. We will begin charging interest on cash advances and
balance transfers on the transaction date.

Minimum Interest Charge If you are charged interest, the charge will be no less than $1.

For Credit Card Tips from the To learn more about factors to consider when applying for or using a credit
Consumer Financial Protection card, visit the website of the Consumer Financial Protection Bureau at http://
Bureau www.consumerfinance.gov/learnmore

Fees
Annual Fees None

Transaction Fees

• Balance Transfer Either $15 or 5% of the amount of each transfer, whichever is greater.
• Cash Advance Either $10 or 5% of the amount of each cash advance, whichever is greater.

Penalty Fees

• Late Payment Up to $41

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.

For more information call Citibank, N.A. at 1-888-574-1301 (For TTY: We accept 711 or other Relay Service). New York
residents may contact the New York State Department of Financial Services at 1-800-342-3736 or www.dfs.ny.gov for free
information on comparative credit card rates, fees and grace periods.

Variable APRs: Variable APRs are calculated based on the Prime Rate plus the additional amount shown in the Details
About Your Interest Rates table below.

However, the APR for Cash Advances will not exceed 29.99%. This means if the calculated APR for Cash Advances
exceeds 29.99%, then that APR will be 29.99%. If the calculated APR for Cash Advances is equal to or below 29.99%,
then that APR will be that calculated amount. See the Details About Your Interest Rates table below for additional
information.

Notice to Married Wisconsin Residents: You must promptly provide your spouse’s name and address to us by calling
1-888-574-1301 (For TTY: We accept 711 or other Relay Service).

Protections for Active Duty Service Members and Their Dependents: Please see the section of the Card Agreement
entitled “Protections for Active Duty Service Members and Their Dependents.”

Promotions: Promotional terms may be available from time to time. See the “Promotions” section of your Card
Agreement for details.

Balance Transfers: Balance transfers are made available at our discretion. To make a balance transfer call us at the

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number on the back of your card.

Cash Advances: Please note cash advances are available only to the extent of your cash advance limit. Your cash
advance limit may be as low as $0; it is a portion of your credit limit.

Excluded Balances: See your Card Agreement for details on excluded balances and how they affect your grace period.

Details About Your APR as of Daily Periodic Rate as of For variable rates: U.S. Prime Rate Plus
Interest Rates 12/24/2024 12/24/2024 the following “Margin”:

Regular Purchases 31.49% (v) 0.08627% 23.99%

Balance Transfers 31.49% (v) 0.08627% 23.99%

Cash Advances 29.99% (v) 0.08216% 24.74%

(v) = variable rate. The variable cash advance APR will not exceed 29.99%. Variable APRs are based on a U.S. Prime
Rate of 7.50% as of 12/24/2024.

My Best Buy® Visa® Gold Card Credit Card Disclosures

Interest Rates and Interest Charges
Annual Percentage Rate (APR)
for Purchases
31.49%
This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers 31.49% for balance transfers completed within 4 months from date of account
opening. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances 29.99%

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

Paying Interest 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 (minus any
excluded balance, plus any separately required payment on an excluded balance)
by the due date each month. We will begin charging interest on cash advances and
balance transfers on the transaction date.

Minimum Interest Charge If you are charged interest, the charge will be no less than $1.

For Credit Card Tips from the To learn more about factors to consider when applying for or using a credit
Consumer Financial Protection card, visit the website of the Consumer Financial Protection Bureau at http://
Bureau www.consumerfinance.gov/learnmore

Fees
Annual Fees $59

Transaction Fees

• Balance Transfer Either $15 or 5% of the amount of each transfer, whichever is greater.
• Cash Advance Either $10 or 5% of the amount of each cash advance, whichever is greater.

Penalty Fees

• Late Payment Up to $41

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

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Agreement.

For more information call Citibank, N.A. at 1-888-574-1301 (For TTY: We accept 711 or other Relay Service). New York
residents may contact the New York State Department of Financial Services at 1-800-342-3736 or www.dfs.ny.gov for free
information on comparative credit card rates, fees and grace periods.

Variable APRs: Variable APRs are calculated based on the Prime Rate plus the additional amount shown in the Details
About Your Interest Rates table below.

However, the APR for Cash Advances will not exceed 29.99%. This means if the calculated APR for Cash Advances
exceeds 29.99%, then that APR will be 29.99%. If the calculated APR for Cash Advances is equal to or below 29.99%,
then that APR will be that calculated amount. See the Details About Your Interest Rates table below for additional
information.

Notice to Married Wisconsin Residents: You must promptly provide your spouse’s name and address to us by calling
1-888-574-1301 (For TTY: We accept 711 or other Relay Service).

Protections for Active Duty Service Members and Their Dependents: Please see the section of the Card Agreement
entitled “Protections for Active Duty Service Members and Their Dependents.”

Promotions: Promotional terms may be available from time to time. See the “Promotions” section of your Card
Agreement for details.

Balance Transfers: Balance transfers are made available at our discretion. To make a balance transfer call us at the
number on the back of your card.

Cash Advances: Please note cash advances are available only to the extent of your cash advance limit. Your cash
advance limit may be as low as $0; it is a portion of your credit limit.

Excluded Balances: See your Card Agreement for details on excluded balances and how they affect your grace period.

Details About Your APR as of Daily Periodic Rate as of For variable rates: U.S. Prime Rate Plus
Interest Rates 12/24/2024 12/24/2024 the following “Margin”:

Regular Purchases 31.49% (v) 0.08627% 23.99%

Balance Transfers 31.49% (v) 0.08627% 23.99%

Cash Advances 29.99% (v) 0.08216% 24.74%

(v) = variable rate. The variable cash advance APR will not exceed 29.99%. Variable APRs are based on a U.S. Prime
Rate of 7.50% as of 12/24/2024.

DEFERRED INTEREST PROMOTIONAL OFFERS ON MY BEST BUY® VISA®

PLATINUM Card AND MY BEST BUY® VISA® GOLD Card CREDIT CARD
From time to time, you may be offered special limited time only deferred interest promotional offers.

Deferred interest promotional offers include the following types of offers:

• No Interest if Paid in Full in 6 Months

• No Interest if Paid in Full in 12 Months
• No Interest if Paid in Full in 18 Months
• No Interest if Paid in Full in 24 Months
• No Interest if Paid in Full in 36 Months
• No Interest if Paid in Full by a specified date

If the balance is not paid in full by the end of the promotional period, interest charges will be imposed from the purchase
date at the variable purchase rate on your account which is 31.49% APR. The variable APR is as of 12/24/2024 and will
vary with the market based on the Prime Rate.

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These offers are not available all the time and may be limited to specific merchandise and/or purchase requirements as
disclosed in the offer. Minimum monthly payments are required. Making only the minimum monthly payment will not avoid
accrued interest charges and will not pay off the purchase balance by the end of the promotional period.

Your Card Agreement, the terms of the offer, and applicable law govern these transactions including increasing APRs.

CARD AGREEMENT
This Card Agreement (Agreement) is your contract with us. The Credit Card Disclosures are part of this Agreement.
The Credit Card Disclosures show important information about your Account, such as your Annual Percentage Rates
and certain fees. Any amendments to this Agreement also are part of this Agreement. Please read all parts of this
Agreement, including the arbitration provision, and keep it for your records.

DEFINITIONS
Account — Your credit card account.

Adjusted New Balance — The New Balance, minus any Reduced Rate Credit Plan balance, and minus any balance
subject to the Promotion Calculation.

Annual Percentage Rate (APR) — A rate, shown as a percentage, used to calculate interest on the balance on your
Account.

Authorized User — Any person you allow to use your Account after you give us that person’s name as an authorized
user.

Balance Transfer — Use of a balance transfer offer, including use of a “balance transfer” convenience check that
accesses your Account for any Transaction or the transfer of a balance from another credit account to your Account.

Billing Cycle — The period of time between each date when we create a billing statement for your Account. For each
Billing Cycle, your billing statement will show any Transactions, other charges, payments and other credits posted during
that Billing Cycle.

Business Day — Monday through Friday, excluding federal holidays.

Card — One or more cards or other devices (including an Account number) used to access your Account to obtain credit.

Card Networks — Organizations, such as Mastercard, Visa and American Express that facilitate 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: ATM 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. Use of
a “cash advance” convenience check that accesses your Account for any Transaction is also a Cash Advance.

Consumer Reporting Agency — An organization, such as Experian, Equifax and TransUnion, that compiles credit
information for the purpose of generating consumer credit reports. It’s also known as a “credit bureau” and a “credit
reporting agency.”

Deferred Interest Promotion — See the Promotions section of the Agreement.

include and including — These terms mean “include [or including] without limitation.”

Late Payment — A payment is late if you don’t pay at least an amount equal to the Minimum Payment Due, minus any
Overlimit Amount by the payment due date.

New Balance — The total amount you owe us at the end of each Billing Cycle. This amount is shown on each billing
statement under the heading “New Balance.” We explain how we calculate the New Balance below.

Overlimit Amount — The amount by which your Account balance exceeds your credit limit in any Billing Cycle.

Purchase — Use of your Card to buy goods and services. Balance Transfers and Cash Advances are not Purchases.

Reduced Rate Credit Plan — See the Promotions section of the Agreement.

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Returned Payment — A payment that isn’t honored by your financial institution.

Transaction — A Balance Transfer, Cash Advance or Purchase, as applicable.

we, us and our — Citibank, N.A.

you and your — The cardmember or cardmembers who opened the Account, and any other person who is or becomes
obligated under this Agreement to repay amounts borrowed using the Account.

You’ll find definitions of other terms within this Agreement.

YOUR ACCOUNT
Your Account use is subject to this Agreement. You must pay us for all amounts due on your Account, including:
Transactions you make, even if you didn’t present your Card or sign for the Transaction; Transactions an Authorized User
makes; Transactions that other people make if you or an Authorized User let them use your Account, even if you did not
intend to be responsible for those Transactions; and any fees and interest charges on the Account.

Binding Agreement. This Agreement takes effect once you use your Card. Even if you don’t use your Card, this
Agreement will take effect unless you contact us to cancel your Account within 30 days after we sent you this Agreement.

Credit Limit. We assign a credit limit to your Account. Part of this credit limit may be available for Cash Advances, and
there may be a limit on the amount of Cash Advances you can take in a given period. We may authorize Transactions that
cause your balance to exceed your credit limit.

Joint Account. If two or more people are or become obligated under this Agreement to repay amounts borrowed using
the Account, then each of you is responsible for all amounts owed and for any defaults, even if the Account is used or
managed by only one of you. Each of you will be liable for the entire balance of the Account, even if a court orders only
one of you to pay us. We will report information about your Account to the Consumer Reporting Agencies under each of
your names. We may only deliver notices or billing statements to one of you, but that delivery will serve as delivery to each
of you. Each of you has authority to manage the Account. We’ll follow instructions about the Account from either of you.
We’re not liable if we act on instructions from one of you.

Consumer Purposes. You aren’t permitted to use your Account for business purposes. If you do use your Account for
business purposes, this Agreement still applies, and you must pay us for those Transactions. You have to pay us for any
damages and/or expenses resulting from that use. In addition, we may also close your Account.

Unlawful Transactions. You aren’t permitted to use your Account for unlawful Transactions. If you do use your Account
for unlawful Transactions, this Agreement still applies and you must pay us for those Transactions. You also may have to
pay the Card Network and/or us for any damages and expenses resulting from that use. In addition, we may close your
Account.

Mobile Phone or Other Devices. Smart phones, tablets and other electronic devices can store your Card (such as
through a mobile wallet or app). This means they can be used to make Transactions. Any such Transactions are covered
by this Agreement. A mobile wallet or app that uses your Card to make Transactions may have separate terms of use.
We’re not responsible if you violate those terms, or for any consequences resulting from any violation.

ANNUAL PERCENTAGE RATES (APRS) & INTEREST CHARGES

The following sections explain how we calculate the interest you owe each Billing Cycle.

APRs. We use APRs to calculate interest charges on your Account. Different APRs may apply to different Transactions.
See the listing of your APRs on the Credit Card Disclosures.

Variable APRs. A variable APR is an APR that can change each Billing Cycle. We calculate each variable APR first by
taking the U.S. Prime Rate from The Wall Street Journal (WSJ) two Business Days before the last day of each Billing
Cycle. (If the WSJ doesn’t publish the U.S. Prime Rate that day, then we’ll use another publication.) Then we add to the
U.S. Prime Rate a certain percentage amount, which we call the Margin. If an APR applicable to your Account is variable,
you can find the Margin we use for your Account in the Details About Your Interest Rates section of the Credit Card
Disclosures. Your variable APRs will increase if the U.S. Prime Rate increases and decrease if the U.S. Prime Rate
decreases. If a variable APR increases, then your interest charges and Minimum Payment Due may increase.

If the U.S. Prime Rate changes, we’ll apply the new variable APR starting from the first day of the Billing Cycle when we

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take the U.S. Prime Rate from the WSJ. The new APR will apply to existing balances, as well as balances added to your
Account after the change.

Daily Balance. We calculate interest on your Account each Billing Cycle first by calculating each of your daily balances.
The following explains how we do that.

Here’s how and when Transactions, fees and credits are applied to the balances on your Account:

• We add the amount of a Purchase or Balance Transfer to the Purchase balance or applicable promotional balance as of
the transaction date on your billing statement.
• We add the amount of a Cash Advance to the Cash Advance balance as of the transaction date on your billing
statement.
• We add a Transaction fee to the same balance as the Transaction as of the transaction date on your billing statement.
We’ll add any other fee to the balance of our choice as of the date we post the fee to your Account.
• If you’re charged interest in a Billing Cycle, but the amount calculated is less than the Minimum Interest Charge shown
on the Credit Card Disclosures, we’ll add additional interest to the balance(s) of our choice so that you’ll be charged
that Minimum Interest Charge for that Billing Cycle.
• We subtract credits applied or payments made as of the date they are credited to the Account.

Here’s how we calculate each of your daily balances on your Account:

• We start with the daily balance from the end of the previous day.
• We add any new Transactions, fees and other charges, including interest accrued on the previous day’s balance. This
means that interest is compounded daily.
• We subtract any credits applied or payments made as of that day.
• We make additional adjustments as appropriate, subject to applicable law. This gives us the daily balance for that day.

Interest Calculation. Each daily balance may have a different APR. Certain categories of Transactions in a daily balance
may have multiple APRs. For example, you may make a Purchase that’s subject to a promotional APR. If a daily balance
on your Account is subject to an APR, we’ll charge interest on that daily balance. We use the daily balance method (which
includes new Transactions). If interest applies to a balance, it will start applying on the day a charge is added to that
balance and continue until that balance is paid in full. We consider a credit balance as a balance of zero when calculating
interest on that balance.

• We multiply each daily balance by its applicable daily periodic rate (each applicable APR divided by 365).
• We do this for each day in the Billing Cycle. This gives us the daily interest amounts.
• Then we total all the daily interest amounts for all the daily balances and round to the nearest cent. This gives us the
total interest for the Billing Cycle.

Calculating the New Balance. To calculate the New Balance at the end of each Billing Cycle, we begin with the total
Account balance at the start of that Billing Cycle. Then we add any Transactions that are new to the Account during that
Billing Cycle. Then we subtract any credits applied or payments made during that Billing Cycle. Then we add any interest
charges or fees incurred during that Billing Cycle and make any other adjustments, as applicable.

Grace Period on Purchases. Except as indicated below, you won’t pay any interest on Purchases if you pay the New
Balance in full by the payment due date shown on your billing statement each Billing Cycle. We call this a grace period on
Purchases. If you don’t pay your New Balance in full by the payment due date in a Billing Cycle, you won’t get a grace
period on Purchases again until you pay the New Balance in full by the payment due date shown on your billing statement
for two Billing Cycles in a row.

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 Promotion balances first, the Deferred
Interest Promotion 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

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balance, plus any separately required payment on an excluded balance) in full by the payment due date each Billing
Cycle. If you have a Reduced Rate Credit Plan, you will be charged interest on the Reduced Rate Credit Plan balance
from the start of the Billing Cycle following the Billing Cycle in which your Reduced Rate Credit Plan Purchase was made.
This means that you will not be charged interest on the Reduced Rate Credit Plan balance during the Billing Cycle in
which your Reduced Rate Credit Plan Purchase was made.

There’s no grace period on Balance Transfers or Cash Advances. This means you’ll pay interest on Balance Transfers
and Cash Advances from the transaction date shown on your billing statement.

PROMOTIONS
From time to time we may offer you promotional terms relating to certain Transactions. These offers will be governed by
the terms of the promotional offer and this Agreement. Your promotional terms will end when the promotional period
expires. Promotional offers may include Deferred Interest Promotions and Reduced Rate Credit Plans.

Deferred Interest Promotion. Under a Deferred Interest Promotion, no interest charges will be imposed on your
Purchase if you pay off that Purchase in full before the end of the promotional period. If you do not pay the Deferred
Interest Promotion Purchase in full before the end of the promotional period, we will impose interest on that Purchase from
the date the Purchase was made. Interest charges on a Deferred Interest Promotion Purchase are based upon the APR
for regular Purchases.

Reduced Rate Credit Plan. Under a Reduced Rate Credit Plan, we may offer you a promotional APR on a specific
Purchase. If a promotional APR applies, it will apply so long as any portion of that Purchase balance remains on the
Account. We also calculate a separate amount that will be due on your Reduced Rate Credit Plan Purchase. This amount
will be included in the Minimum Payment Due until your Reduced Rate Credit Plan Purchase is paid in full.

FEES & FOREIGN CURRENCY CONVERSION

Annual Membership Fee. If you are approved for the My Best Buy Visa Gold an annual membership fee applies. The
Credit Card Disclosures show this fee. You’ll see this annual membership fee on your first billing statement after opening
your account and each year after that. We’ll charge the fee if your account is open, even if you don’t have a balance.

Late Fee. We have the right to charge you a late fee if you have a Late Payment. The late fee is $30 and, if you have
another Late Payment within the next 6 Billing Cycles the late fee will be $41. The amount of your late fee will not exceed
the amount permitted by law.

Transaction Fee for Balance Transfers. We charge you a fee for each Balance Transfer. The amount of your Balance
Transfer fee will be either $15 or 5% of the amount of each Balance Transfer, whichever is greater.

Transaction Fee for Cash Advances. We charge you a fee for each Cash Advance. The amount of your Cash Advance
fee will be either $10 or 5% of the amount of each Cash Advance, whichever is greater.

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 transaction date for that Purchase shown on your billing 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 ATM 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, ATM
network or ATM operator, may do the conversion. We do not control this. However, if you use your Card for a Cash
Advance at a Citibank ATM 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

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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 transaction date for that Transaction shown on your billing statement. The
exchange rate may also differ from any rate quoted to you when you made the Transaction.

PAYMENTS
Minimum Payment Due. You may pay all or a part of your Account balance at any time. You must pay at least the
Minimum Payment Due by the payment due date each Billing Cycle.

Your “Minimum Payment Due” equals:

• Any amount past due; plus

• Any Overlimit Amount; plus
• Any amount due for a Reduced Rate Credit Plan, as described below; plus
• Any amount due as a result of application of the Promotion Calculation, as described below; plus The greater of:
◦ The Adjusted New Balance, if it’s less than $30;
◦ $30 if the Adjusted New Balance is at least $30; or
◦ 1% of the Adjusted New Balance, plus any late fee, plus any billed interest or minimum interest charges, minus any
interest charges that accrued during prior Billing Cycles on a Deferred Interest Promotion that ended during the
Billing Cycle covered by the billing statement (the result is rounded up to the nearest dollar).

The Minimum Payment Due is never more than the New Balance.

Reduced Rate Credit Plan. The Minimum Payment Due will include any amount due on a Reduced Rate Credit Plan
balance. You must pay the amount due on a Reduced Rate Credit Plan balance, as described below, for so long as any
portion of that balance remains in that Reduced Rate Credit Plan. However, the amount due on a Reduced Rate Credit
Plan balance will never be more than the amount of that balance on the statement closing date. The amount due on each
Reduced Rate Credit Plan balance each Billing Cycle 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 Billing Cycle,
since the last time that balance was zero. The balance is zero at account opening. The repayment percentage for each
Reduced Rate Credit Plan is as follows:

• 4.1667% for the 24-month Reduced Rate Credit Plan with an APR of 0%.
• 4.5223% for the 24-month Reduced Rate Credit Plan with an APR of 7.99%.
• 4.7069% for the 24-month Reduced Rate Credit Plan with an APR of 11.99%.
• 3.1795% for the 36-month Reduced Rate Credit Plan with an APR of 8.99%.
• 3.3689% for the 36-month Reduced Rate Credit Plan with an APR of 12.99%.
• 2.6285% for the 48-month Reduced Rate Credit Plan with an APR of 11.90%.

Promotion Calculation. If you have a Deferred Interest Promotion balance subject to the Promotion Calculation, the
Promotion Calculation will equal 1% of this balance during the promotion period. (The result is rounded up to the nearest
cent.) After the promotional period, any such remaining promotional balance will be included in the Adjusted New Balance.
The Promotion Calculation will apply if, based on the amount of the Transaction as shown on the first billing statement that
displays the Transaction and the dollar amount in the Minimum Payment Due calculation in effect at the time of the
Transaction, we determined that paying such dollar amount each Billing Cycle would result in repayment of the
promotional balance before the end of the promotion period.

Note: Your payment due date is typically the same day of the month every month. You may request a change to your
monthly due date.

Application of Payments. We decide how to apply your payment, up to the Minimum Payment Due, and credits, to the

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balances on your Account and you authorize us to apply payments and credits in a way that is most favorable or
convenient for us. This means we may apply such payments and credits first to balances with lower APRs and then to
balances with higher APRs. If you pay more than the Minimum Payment Due, we’ll apply the amount over the Minimum
Payment Due first to the balance with the highest APR, then to the balance with the next highest APR, and so on.
However, payments in excess of the Minimum Payment Due received before a Deferred Interest Promotion expires are
applied to the Deferred Interest Promotion balance first in the last two Billing Cycles of the promotional period or in the last
three Billing Cycles of the promotional period if the expiration date for the Deferred Interest Promotion is before the
payment due date in the Billing Cycle in which the promotion expires.

Payment Instructions. You must pay in U.S. dollars. You must use a check or electronic debit issued by a bank in the
United States. You must not send us a check dated after the date that we receive it. You must not enclose more than one
check per envelope. You must not include any restrictive endorsements on the check. You must follow the above
instructions and the additional payment instructions shown on your billing statement when making a payment. If you do,
we’ll credit the payment to your Account as of the day we receive it.

If you don’t pay in U.S. dollars and we accept your payment, we’ll select the currency conversion rate, and you must pay
our costs. If you don’t follow our payment instructions, we may not accept your payment, or there may be a delay in
crediting your Account. Either case may result in late fees and additional interest charges to your Account. If you don’t
follow the instructions in this Agreement or on your billing statement, we may accept your payment without losing our
rights. We may reject a payment if it’s more than the outstanding Account balance. We also may close your Account.

AUTHORIZED USERS
Account Use by Authorized Users. You can ask us to add one or more Authorized Users to your Account. If we
approve, use of your Account by an Authorized User is subject to the terms of this Agreement. You must obtain permission
from each Authorized User before naming that person as an Authorized User on your Account. You must make a copy of
this Agreement available to each Authorized User. You must pay us for all charges incurred by each Authorized User. You
must notify us to remove an Authorized User from your Account. If we remove an Authorized User, in some cases we may
close your Account, open a new Account and issue you a new Card.

You’re responsible for: any Transactions made by an Authorized User on your Account; any Transaction made by an
Authorized User even if the transaction date shown on your billing statement for that Transaction occurs after the date you
ask us to remove the Authorized User from your Account; any Transactions made by others if an Authorized User allows
them to use your Account; and fees and charges resulting from any Transactions made by an Authorized User or others if
an Authorized User allows them to use your Account.

Subject to any limitations we may impose, actions each Authorized User may take include: reporting lost or stolen Cards;
requesting billing statement copies; initiating billing disputes; obtaining Account information such as Transaction histories;
and making payments.

Account Information Rights for Authorized Users. You allow us to discuss your Account with an Authorized User. This
includes giving the Authorized User access to your Account information and history. You also agree that an Authorized
User may use and receive information about the Account the same way you do. An Authorized User can’t add other
Authorized Users, request refund checks, change the billing address for your Account, adjust the credit limit or close the
Account.

Information about Authorized Users. You agree to give us certain personal information about each Authorized User.
You must let each one know that you’ll give us that information and you must have the Authorized User’s permission to do
so. You must have permission from each one to allow us to share information about the Authorized User as allowed by
applicable law. This includes information we may get from you, any Authorized User and others. It also includes
information about their Transactions on the Account.

Credit Reporting. We report information about this Account to Consumer Reporting Agencies in the Authorized User’s
name that may appear on their credit report. This could include information about Late Payments, Overlimit Amounts,
Returned Payments, and other violations of this Agreement.

You must let each Authorized User know that we report Account information in the Authorized User’s name. Also, see
Credit Reporting section.

DEFAULT, CLOSING OR SUSPENDING YOUR ACCOUNT

Default. We may require immediate payment of your total Account balance, to the extent allowed by law, if any of the
following occurs: you don’t pay at least the Minimum Payment Due by the due date; you have a Returned Payment; you

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file for bankruptcy or some other insolvency proceeding is filed by or against you; you don’t honor the terms of this
Agreement; you default under any other card agreement you have with us; or you’re declared incompetent or mentally
incapacitated, or in the event of your death.

Closing or Suspending Your Account. We may close or suspend your Account if any of the events listed above occur,
or for any reason, or for no reason. We may do this at any time, without notifying you, as allowed by law. We may cancel
your current Card and issue you a substitute Card at any time. You also may close your Account at any time by notifying
us by telephone or in writing. If we close or suspend your Account, or if you close your Account, you must pay us all
amounts you owe on the Account, even if they post to your Account after it’s closed or suspended.

CREDIT REPORTING
You allow us to get information about you. We get it from Consumer Reporting Agencies and other sources that provide
consumer financial information. You allow us to use it for: renewal of your Account; credit line increases or decreases;
administration or review of your Account, collection and any other servicing; all other credit-related purposes connected
with this Agreement; offers for other cards and other services; and other uses permitted by law.

We report Account information in your name, as well as information about you to Consumer Reporting Agencies, on a
monthly basis. The information we provide may appear on your credit reports. This can include information about: Late
Payments; Overlimit Amounts; Returned Payments; and other violations of this Agreement.

If you think we’ve given incorrect information to a Consumer Reporting Agency about you (or about an Authorized User),
please write to us at the Customer Service Inquiries address on your billing statement and we’ll research it. We’ll let you
know if we agree or disagree with you. If we agree with you, we’ll contact each Consumer Reporting Agency we reported
to and request a correction.

ACCOUNT INFORMATION, INFORMATION SHARING & COMMUNICATIONS

Changes to Account Information. You provided certain personal information to us when you opened your Account. You
agree to notify us if this information changes. If you don’t, or if we ask you to verify your Account information and you
cannot, we may suspend or close your Account.

Information Sharing. You agree to let us share information about you and your Account as allowed by law. This includes
information we get from you and others. Our privacy notice, which we have provided to you, describes reasons we can
share our customers’ personal information.

Contacting You. You agree that we (and/or our service providers or anyone we authorize) may contact you at any phone
number, email address or mailing address you provide or we obtain in other ways. This includes communications to
mobile, cellular/wireless, or similar devices. We may contact you by live operator, auto-dialer, recorded or artificial voice,
text, or email. You agree to pay any charges from your plan provider for communications we send to you, as well as
communications you send to us.

How We Capture and Use Voiceprints. We may use voice recognition technology to verify your identity when you call.
We may capture and store your voiceprint for this purpose.

Call Monitoring. We may monitor and record any calls between you and us.

Notices. We send any notices to your billing address or, if you’ve agreed, by email to the address you gave us. We
consider a notice sent as soon as we send it.

TRANSACTIONS
Merchant Refunds. A merchant refund to your Account will post to your Account as a credit. We don’t control when a
merchant sends an Account credit. We’ll choose how to apply the credit to your existing Account balances, including, if we
choose, to any existing promotional balances.

Note: Merchant Surcharges. Some merchants, including merchants outside the U.S., may charge you a fee to use your
Card for a Purchase. The fee will be either a percentage of the amount of your Purchase, or a flat fee, and will be added to
the amount of your Purchase. Usually, a merchant will tell you about this fee before you use your Card, but not always. We
don’t control these fees, and can’t prevent them.

Recurring Authorized Transactions. If you authorize a merchant or any other person to charge your Account for
recurring Transactions, you must notify the merchant if: you want to discontinue these Transactions; your Account is

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closed; your Account number changes; or your Card expiration date changes. You’re responsible for reinstating any
recurring authorized Transactions.

Refusal of the Card. We don’t guarantee approval of Transactions. We are not liable for those that aren’t approved, even
if you have enough available credit on your Account. If we detect unusual or suspicious activity, we may suspend your
credit privileges. We also may limit the number of Transactions approved in a single day.

PROTECTIONS FOR ACTIVE DUTY SERVICE MEMBERS AND THEIR DEPENDENTS.

Protections. Federal law provides important protections to members of the Armed Forces and their dependents relating
to extensions of consumer credit. In general, the cost of consumer credit to members of the Armed Forces and their
dependents may not exceed an APR of 36 percent. This rate must include, as applicable to the credit transaction or
accounts: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the
credit transaction; any application fee charged (other than certain application fees for specified credit transactions or
accounts); and any participation fee charged (other than certain participation fees for a credit card account). You are
entitled to these protections if you are a Covered Borrower, as defined below.

Covered Borrower. You are a Covered Borrower if, in connection with the opening of your Account, we determine you are
an active duty member of the Armed Forces (including active Guard and Reserve duty) or a dependent of an active duty
member. You will cease to be a Covered Borrower if we determine you are no longer an active duty member of the Armed
Forces (including active Guard and Reserve duty) or a dependent of an active duty member.

Oral Disclosures. If you are a Covered Borrower, you may obtain information related to your Account, including
information about these protections and your payment obligation, by calling 1-877-625-6379 (For TTY: We accept 711 or
other Relay Service).

Arbitration. The section of the Card Agreement entitled “ARBITRATION” does not apply if you are a Covered
Borrower at the time your Account is opened.

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 (FAA), 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

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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 (“AAA”) according to this arbitration provision
and the applicable AAA arbitration rules in effect when the claim is filed (“AAA Rules”), except where those rules conflict
with this arbitration provision. You can obtain copies of the AAA Rules at the AAA’s website (www.adr.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 at 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 AAA forms and requisite filing fees to the AAA.
• The arbitration shall be conducted by a single arbitrator in accord with this arbitration provision and the AAA 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 FAA 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’ll 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 AAA 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 AAA 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 make decisions based on a majority vote.
Arbitration fees for the arbitration appeal shall be allocated according to the applicable AAA 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

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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.

AGREEMENT & BENEFIT CHANGES

Changes to this Agreement. We may change this Agreement for any reason and at any time, subject to applicable
law. This means that we can change rates and fees that apply to your Account. It also means we can add, replace
or remove provisions of this Agreement. If required by applicable law, we’ll give you notice of the changes. If you
have the right to reject a change, we’ll notify you and tell you how to reject. If we notify you of a change, we may
do so on your billing statement or send you a separate written notice, either of which may be sent electronically if
permitted by applicable law.

Changing Benefits. Any benefit, reward, service or feature offered may change or be discontinued at any time for any
reason. Separate terms and conditions will describe any exceptions.

MISCELLANEOUS
Assignment. We may assign any or all of our rights and obligations under this Agreement to a third party. You may not
sell, assign or transfer your Account or any of your obligations under this Agreement.

Governing Law. Federal law and the law of South Dakota govern the terms and enforcement of this Agreement.

Enforcing this Agreement. We won’t lose our rights under this Agreement because we delay in enforcing them or fail to
enforce them. If any provision of this Agreement is found to be unenforceable, all other provisions of the Agreement will
remain in effect.

Collection Costs. To the extent allowed by law, you’re liable to us for our legal costs if we refer collection of your Account
to a lawyer who isn’t our salaried employee. These costs may include reasonable attorneys’ fees, as well as costs and
expenses of any legal action.

Correction of Errors. If we incorrectly apply a payment or credit to your Account, make an incorrect payment or transfer
of funds to you or an Authorized User or anyone else on your behalf or on behalf of an Authorized User, or make any other
error regarding your Account, you agree that we may correct the error. We may correct the error by making adjustments to
your Account, requiring you to repay us for any incorrect payments, credits or transfers, or taking other actions we
determine are appropriate to correct the error. You agree to cooperate with us to correct any of these errors.

Unforeseen Circumstances. From time to time, our services might be unavailable due to circumstances beyond our
control (such as fires, floods, natural disasters, system failures or other unpredictable events). When this happens, you
might not be able to use your Card or obtain information about your Account. We’re not responsible or liable if this
happens.

Lost or Stolen Account Information. You must try to prevent the unauthorized use of your Account and any Card,
including your Account number or any other means to access your Account. You must call us if any Card or means to
access your Account is lost or stolen. Also, you must call us if you think someone has used or may use these items
without permission.

Headings. The headings in this Agreement are included as a matter of convenience and don’t define, limit or enlarge the
scope of this Agreement or any of its provisions.

YOUR BILLING RIGHTS

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. Keep this
document for future use.

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:

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• 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 2 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 transaction 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.

Your Rights if You’re 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 is 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

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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.

For Further Information:Call the Account Inquiries number shown on the billing statement or the Customer Service
number on the back of your Card if you need more information.

© 2025 Citibank, N.A.

100-BBY-CB-US 0125

GLBSBBY 07/24

FACTS WHAT DOES CITIBANK DO WITH YOUR PERSONAL

INFORMATION?

Why? 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.

What? 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

How? 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.

Reasons we can share your personal information Does Citibank share? Can you limit this sharing?

For our everyday business purposes — such as to Yes No

process your transactions, maintain your account(s),
respond to court orders and legal investigations, or report
to credit bureaus

For our marketing purposes — to offer our products and Yes No

services to you

For joint marketing with other financial Yes No

companies

For our affiliates’ everyday business purposes — Yes No

information about your transactions and experiences

For our affiliates’ everyday business purposes — Yes Yes

information about your creditworthiness

For our affiliates to market to you Yes Yes

For our nonaffiliates to market to you Yes Yes

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To limit our sharing Call 1-888-833-4413 — our menu will prompt you through your choice(s). (TTY: We
accept 711 or other Relay Service)
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.

Questions? Call 1-888-833-4413 or call the Customer Service number on the back of your credit card
or on your billing statement. (TTY: We accept 711 or other Relay Service)

Who we are
Who is providing this This notice is provided by the retail partner cards group of Citibank, N.A., the bank that
notice? issues your credit card.

What we do
How does Citibank To protect your personal information from unauthorized access and use, we use security
protect my personal measures to comply with federal law. These measures include computer safeguards and
secured files and buildings.
information?

How does Citibank We collect your personal information, for example, when you
collect my personal
• provide account information or give us your contact information
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.

Why can’t I limit all Federal law gives you the right to limit only
sharing?
• sharing for affiliates’ everyday business purposes — information 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.

What happens when I Your choices will apply to everyone on your account.
limit sharing for an
account I hold jointly
with someone else?

Definitions
Affiliates Companies related by common ownership or control. They can be financial and
nonfinancial companies.

• Our affiliates include companies such as Citigroup Global Markets Inc.

Nonaffiliates Companies not related by common ownership or control. They can be financial and
nonfinancial companies.

• Nonaffiliates we share with can include companies engaged in direct marketing and the
selling of consumer products and services.

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Joint marketing A formal agreement between nonaffiliated financial companies that together market
financial products and services to you.

• Our joint marketing partners include insurance companies and other financial
companies.

Other Important Information

For Vermont Residents: We will not disclose information about your creditworthiness to our affiliates and will not
disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties
to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. For
additional information concerning our privacy policies call 1-888-833-4413. For TTY: We accept 711 or other Relay
Service.

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.

Citi acquires and uses services provided by third parties that collect and analyze customer data. This information may
be used to service your accounts and for marketing purposes. For additional information about our privacy practices
please go to www.citi.com/Privacy.

Important Information about 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.

BBY-COMBO-DISC-0125

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