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ADDITIONAL DISCLOSURES
These Additional Disclosures include the Citi Disclosures on
the accompan/ing promotional offer. Keep both documents
for your recor Is. If you are approved for credit, you will
receive a Card Agreement with your card.
DEFINITIONS
account mears the relationship established between you
and us by the \greement if you are approved for credit.
APR means at annual percentage rate.
card means 01 e or more cards or other access devices that
we give you to get credit under these Additional Disclosures
or the Agreement. This includes account numbers.
Card Agreement (or Agreement) means the contract
between you end us. It will govern the use of your card and
account if you are approved for credit.
we, us, and our mean Citibank (South Dakota), N.A., the
issuer of the account.
you, your, anc yours mean the person who applies to open
the account. It also means any other person responsible
for complying with these Additional Disclosures or the
Agreement.
APRS
Variable APR* Based on Prime. If any APR is based on
the U.S. Prime Rate ("Prime Rate"), the APR will equal the
Prime Rate pk s an additional amount. If the Prime Rate
increases, it w II cause the APR to increase. If the Prime
Rate decreases, it will cause the APR to decrease. For each
billing period v/e use the Prime Rate published in The Wall
Street Journal two business days before the Statement
Closing Date. If the Prime Rate causes an APR to change, we
put the new APR into effect as of the first day of the billing
period for which we calculate the APR. We apply the new
APR to any ex sting balances, subject to any promotional
rate that may *pply. If The Wall Street Journal does not
publish the Prime Rate, we will use a similar published rate.
APR for Purchases (including balance transfers after
expiration of ntroductory APR). There is a standard
purchase APR It equals the Prime Rate plus 10.74%. As of
04/15/2011, th s APR is 13.99%. This APR equals a daily
periodic rate cf 0.0383%.
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