Citi Diamond 01

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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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simple savings card fine print

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on /our
prescriptions.
Up to 60% savings ^
at Your Pharmacy
FREE savings cards attached
if you or someone you (enow does not hove pretcripi.on coverage tt>e Simple Savings Card "
can heipt The Simple Sav.ngs Card" saves cardholders an average of 26% off their
prescriptions at over 60,000 pharmacies nationwide includ.ng Wulureens CVS. Walmart.
Kroger Rite-Aid. Alberfsons. Longs - plus thousands more A single card can be used by an
entire family and covers all drugs requiring a doctor's prescription The free Simple Savings
Card" con be used as long as it is needed - it is not a temporary cord
Trv your free card today. There is no cost There is no catch Simply take your Simple
Savings Card " to your focal pharmacist and start to enjoy your savings)
The Simple Savings Card'" is offered as a service of lusctnia Health To learn more, to request additional
cards, or to find a participating pharmacy in your area, visit us on the web at www.stmplesavtngscard.com
Because ofour size and relationships within the pharmaceutical
industry, we are able to negotiate lower prices on your behalf.
We get paid by the pharmaceutical companies when you use
your card - all while you save money.
Individual savings
of 0 to 60 percent.
) Tear off your FREE savings i
(2) Print your name in the space provided.
(3) Present your card with your next prescription purchase.
�
i card,
vided.
chase.
simplesavingscard com
Note to Cardholder
Preienr fhu cord when you or one of your family members
obtains a prescription
Important Numbers
CaHtooU* Hetpl** ff8�6j36o 9807
Note to Cardholder
Present this card when you or one of your family membei s
obtains a prescription
Important Numbers
Cardholder Helpline I(8o6)3o8�807
Pharmacy Helpline 11866) 368 9807
(j0

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mediacom offer

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Call Now 1-866-908-6846
-THIS IS A LIMITED TIME OFFER THAT MAY BE REVOKED WITHOUT PRIOR NOTICE, Offer is available only lo qualified new residential accounts on select products. Free months occur in month 4 and 12 of a 24 month contract. A termination tee
will apply for early cancellation, tf you are not 100% satisfied with any Medfacom service, disconneci during the first 30 cays, we will provide a lull relund ol your monthly service fee upon request. A credit check may tie required. A high definition TV
is required to view HDTV signals Additional phone charges apply (or optional features including international calling, voice mall, directory assistance and operator services. Download speeds are not guaranteed and may vary. Customer is responsible
tor additional customer premise equipment and operating system required for Internet access service and phone service. Customers must agree to comply with Mediacom's applicable subscription terms and policies. All rates and services are subject
lo change Federal, state and local taxes, governmental regulatory fees and surcharges, if any, are additional. Offer may not be combined wrth any other otter, is non-transferable and is void where prohibited. Offers, packages, prices, programming
ftaflaNHy. channel lineups, service features, specifications, terms and conditions may vary among areas. Other charges, ronrjrtions, requirements and restrictions may apply. Call your local Mediacom office for complete details. Mediacom prone service
is pnwided by an affiliate of MCC Telephony. LLC; a Mediacom company. Mediacom is a registered trademark of Mediacom Communications Corporation.
tStandaram
nd do not include special wiring work, installation or repair of outlets or any other special Installation procedures for which additional charges apply. MW5705-A1 -INS

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GEICO Solicitation

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Insurance isn't all run and games - or is it? Download a cool GEICO ringtone or stream your favorite
GEICO commercials instantly. It s all free when you go to geico.com.
Today more than ever, you want an insurance company that is there when you need them, always
providing excellent customer service, great coverage, and competitive rates. That company is GEICO.
Ted Ward
Vice President
PS: Does your insurance company keep up with your active lifestyle? GEICO does, thanks to an
easy-to-use website, mobile phone capabilities, and the GEICO app. See what it's like to have an
insurance company that works around your schedule, and could help you save money. Contact
GEICO today for a free rate quote by going to geico.com, calling 1-800-947-AUTO (2886)
or contacting your local GEICO agent. And now, you can also access our new mobile site at
http; //rn.geico.com/.
Check out GEICO at:
P Facebook.com/GEICO | Twitter.com/GEICO | YouTube.com/GEICO
Get a free quote on your smartphone!
In just 15 minutes you could save $500 or more on car insurance.
Scan this code to get your free, no-obligation rate quote
directly on your smartphone.
ESS
A bar code reader app and a camera phone are required to scan code.
xr^r�'.s� ......��M
V 2010 2011 l.feK o
rW-TECHVAL 4 11

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bank of america records requests

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Records Request
Reminder Notice: Please Review Important Information Below
Bank of America
Please Reply Within:
14 Days
I

|,|ii.|||i||.|.|'ml>l'l"'i>i''l'i'illiilnPhi1
TO:
RE:
THIS NOTICE IS REQUIRED BY LAW
You have the right to a free credit report from AnnualCreditReport.com or 877-322-8228.
the ONLY authorized source under federal law.
Bank of America Customer
Complimentary Credit Report and Credit Score � Your signature below Is required
to try the Bank of America PrivacySource* service at no cost for 30 days so you can
receive delivery of your Compiled Credit Portfolio. Your benefits will include the following:
1... Your Complimentary Triple-Bureau Credit Report
2 ... Your Complimentary Triple-Bureau Credit Score
3 ... Daily Monitoring notifications
Place this label on the Authorization Form below. Your Complimentary Credit Report
and Credit Score will be available to you upon receipt of this signed and completed
form to try the Bank of America PrivacySource service with the first 30 days at no coat.
fVase return the term Mem betare 09, 26; 11 Upon receiving the completed and
signed kn teto* the Bank of America PrivacySource service win begm monitoring
*** conlder.oal credt flies from ail three major creoH reporting agencies. You'll
teen* Credit Aierts from those agencies when certain negative changes occur m
our creoJt records' And lor peace of mmd youil receive Monthly Notrficaoons
�hen no acfttty & reported
m* Bar* of America PrrtacySource service is yours to try at no cost tor 30 days and
rwnorvy S12 99 a now thereafter ff yvxj arem satisfied you can cancel at any
�me tor any reason And the Complimentary Credit Report and Credit Score are
MT San* olAmertc* checking account will be airtrnnaOcaffv
�oMSMMktriMilW
Your Identity theft protection benefits conunue with Automatic Quart**! Updates.
You'U be alerted to important changes to your credn report as Ml as paovoed
with updated credit scores. Your around the dock pnwleges also raJude tikrnd
Fraud Monitoring The Bank of America Privacy Source servce j
Internet for evidence that your personal mlormauon rs being, sold or1
by identity thieves.'
And youl have access to a Credit Score Anafysjs tod to heto i__
can mprove your score A higher score can roprove your chances of m
beaer rale on a mortgage Don t let an error or outdated intowMDun w yor�<
records damage yc�ow* score
********
Authorization Form
A ot^i. �jj d-�� *- fnrfrmri rnitaae r�kj tni^n "X
PLEASE RETURN ON OR BEFORE: SEPTEMBER 26. 2011



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Gerber Life Insurance

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You can depend on Gerber Life
Gerber Life Insurance
Company has been
protecting families like
yours since 1967. As a
financially separate affiliate
of the Gerber Products Company, we
share in a long tradition of helping
parents provide for their children.
Today, Gerber Life has more than
$37 billion of life insurance in force�
insuring over three million people of
all ages. You can count on Gerber Life
for affordable life insurance for the
entire family and for friendly, efficient
service.
3 Easy Ways to Apply for
The Grow-Up* Plan
Call toil free
) 1-800-704-3331
IF Monday - Friday 8 a.m to 9 p.m. and
?Saturday 9 a.m. to 5 p.m. (ET)
Apply online at
� www.eerlKTlife.com/kids
Mail this application to
Gettfag|f� Insurance Compjjjjj
445 Scita Strttttaeajajt M 49417
Important notes
A Buyer's Guide to Life Insurance and ai Koncy
are sent with all polices. You can get them
applying for insurance by writing to us R| TN
In AR. DC. KY, LA, ME. MD. NJ. NM Wtfgfc pol-cy
& WA. requirements vary somewhat. PeT�;*;tlons. you
is issued, and depending on your state s reyu jfferent
will either receive additional information or
application to sign and return. residents
This application is not for use in Florida. or can
can visit our website v^Wfo"^!^w\\caiton
us at 1-800-704-3331 for a Florida-specific app� ^ ^
If the Insured dies by suicide within two years
Issue Date (one year in CO. MO &NDI the only amou
payable will be the premiums paid for the pout*
To approve your insurance and service your PO'W-
may collect or disclose information about you.*; perma
ted by law. wh.ch may include certa.n disclosures made
without your prior authorization. You haveitheingm to
access and correct personal information hat we nave
about you. You may also receive a detailed not.ce on
Gerber Life's Information Practices, upon request
Benefits are subject to Gerber Life insurance limits
Policy Form Series GPP-08
Texas policy GPP-08-S-TX. Rider GPO-08
New York: GPP-08-NY
* You may receive a Growth Chart without appi>
insurance by writing to us at the address M me �er
The retail value of this item is in accord mm ircuf
state's requirements
SEND NO MONEY NOW
Just fill in and mail the artachad appbcaoon. Whet
we receive it and find your child or o/endcftetf
eligible (most healthy cbiiden agas 14 day* to M
yean qualify), we ll mail you a Grow-U* Mia* to
rtvitw for 30 days
M you are delighted with ma GVov*~U�
your first premium within m*t an W �*
w* racervt your premium om

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Citi Thank You Rewards offer

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Vlstl 1 J� I Call :,_ Mail
E I www.applYonllne1.cUi.com I * I 1-800-549-7679 |^^| the Application Form
' Please see Citi* ThankYou* Rewards Citi ThankYouSM Card Terms and Conditions.
: Bonos points are awarded one time for new enrollments in Paperless Statements or Account Online. If you are already enrolled m these
programs, you will not receive bonus points.
1 Some restrictions apply. See wwwjritiprivatepass.com for specific offer details and information. Citi is not responsible for products or services
offered by other companies.
1 Emergency card replacement outside the continental United States may take a minimum of 48 hours. There may be a service fee associated with
a request for 24-hour card replacement.
5 Extended Warranty coverage is underwritten by Virginia Surety Company, Inc. (Coverage duplicates the manufacturer or store warranty up
to a maximum of 12 months on most items you purchase and is limited to the lesser of the amount charged to your card or $10,000). Certain
conditions, restrictions and exclusions apply. Details of coverage will be provided upon cardmembership.
* Buyers Security coverage (limited to $1,000 per occurrence and $50,000 per cardmember, per year) is excess coverage and is underwritten by
Triton Insurance Company. Certain conditions, restrictions and exclusions apply. Details of coverage will be provided upon cardmembership.
" Price Protection coverage is underwritten by Triton Insurance Company. (Coverage is limited to $250 per item and a maximum of $1,000 per
cardmember per year.) Certain conditions, restrictions and exclusions apply. Details of coverage will be provided upon cardmembership.
1 Up to $3,000 in Common Carrier Lost Luggage Coverage is underwritten by Triton Insurance Company. (Coverage is limited to $2,000 to New York
residents, coverage for all cardmembers is limited to $10,000 in the aggregate per trip.) Certain conditions, restrictions and exclusions arjpht
Details of coverage will be provided upon cardmembership.
* Up to $1,500 Trip Cancellation/Trip Interruption coverage is secondary and is underwritten by Virginia Surety Company, Inc. Certain conditions,
restrictions and exclusions apply. Details of coverage will be provided upon cardmembership.
* Travel Assistance Services are provided at no charge; however, you will be responsible for associated costs. (For example, legal referrals are free,
but the lawyer's fee is your responsibility.) Details of coverage will be provided upon cardmembership.
@20T1 Citibank. NJL
Citi. Citibank. The Lost Wallet. ThankYou, Private Pass and Citi with Arc Design are registered service marks of Citigroup Inc
Gti ThankYou, Citi Mobile and Citi ThankYou Rewards Design are service marks of Citigroup Inc.
MasterCard* is a registered trademark of MasterCard International Incorporated.
B-TYP711-EU5

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capital one venture offer 4 of 4

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How Can I Avoid Paying Interest Charges? Each month
you pay your "New Balance" in full by the due date, you will have a
minimum grace period of 25 days with no interest charge on all new 1)
purchases, 2) balance transfers, 3) special purchases and 4) other
charges. If you have been paying your account in full with no interest
charges applied and you do not pay your next bill in full, prorated
interest charges will be assessed. There is no grace period on cash
advances, special transfers, or on any new transaction when there is an
unpaid balance from a previous bill.
How Is The Interest Charge Applied? Interest charges accrue
from the 1) date of the transaction. 2) date the transaction is processed
or 3) first calendar day of the billing period. Interest charges accrue on
every unpaid amount until it is paid in full. This means you mav owe
interest charges even if you pay the entire "New Balance" one month, but
did not do so for the previous month. Unpaid interest charges are added
to the proper segment of your Account However, we reserve the right to
not assess interest charges at any time.
How Do You Calculate The Interest Charge? For each
segment of your account, we calculated your total interest charge by
multiplying your average daily balance by the daily periodic rate and
multiplying the result by the number of days in the billing penod. Due to
rounding or a minimum interest charge, this calculation may vary
slightly from the interest charge actually assessed.
We determine your daily periodic rate by dividing the corresponding
Annual Percentage Rates by 365 and round to the nearest 1 100,000th
of 1%, not to exceed the maximum allowed by applicable law. If the
daily periodic rates and corresponding Annual Percentage Rates
increase, the interest charge will increase and your minimum payment
may be greater.
To determine your Daily Balance for each segment: 1) take the
beginning balance and add in new transactions and the periodic interest
charge on the previous day's balance. 2) Subtract any payments and
credits for that segment as of that day. However, if you paid your
previous month's balance in full (or if your balance was zero or a credit
amount), new transactions which post to your purchase or special
purchase segments are not added to the daily balances. Also,
transactions that are subject to a grace period are not added to the daily
balances.
To determine your Average Daily Balance: 1) add the daily balances
together and 2) divide the sum by the number of days in the billing cycle.
IMPORTANT INFORMATION ABOUT fflOCfDURff fQft
APPLYING FOR OR OPENING A NEW ACCOUNl
To help the government fight the funding of terrorism and
money laundering activities, Federal law requires all fwajiuai
institutions to obtain, verify and record information thai
identifies each person who opens an account. What thit
means for you: When you apply for or ppgfl M ft | Wfll V(
will ask for your name, address, date of birth and other
information that will allow us to identify you.
PRESCREEN & OPT-OUT NOTICE:
This "prescreened" offer of credit is based on
information in your credit report indicating that
you meet certain criteria. This offer is not
guaranteed if you do not meet our criteria. If
you do not want to receive prescreened offers
of credit from this and other companies, call the
consumer reporting agencies toll free, 1-888-5-
OPT-OUT (1-888-567-8688); or write them
individually at: Experian Target Marketing, P.O.
Box 919, 701 Experian Parkway B2, Allen, TX
75013; Equifax Options, P.O. Box 740123,
Atlanta, GA 30374-0123; Trans Union
Corporation, Attn: Marketing Opt Out, P.O. Box
505, Woodlyn, PA 19094-0505.
�2011 Capital One. Capital One is a federally registered service
mark. All rights reserved. Products and services offered by
Capital One Bank (USA), N.A., member FDIC. Capital One
supports information privacy protection: see our Web site at
www.capitalone.com.
Please retain this brochure for your records HI 740b 1 ibi /

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capital one venture offer 3 of 4

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