Rewards Programs - ThankYou Network® CitiBank

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Terms and Conditions of the ThankYou Redemptions Network

• ThankYou Redemptions Network ("ThankYou Network") is offered to certain cardmembers ("you") at the sole discretion of Citibank (South Dakota), N.A. for consumer card accounts or Citibank USA, N.A. for business card accounts ("we"), the issuer of your card account ("Card Account"). Citibank USA, N.A. also offers ThankYou Network to certain holders of Citibank checking accounts issued by its affiliates, including Citibank, N.A., Citibank FSB and Citibank (West) FSB. We may revise or terminate ThankYou Network or any portion thereof with 30 days prior written notice, and if we terminate ThankYou Network, you will only have 90 days from ThankYou Network termination date to redeem all your accumulated ThankYou Network points ("ThankYou Points"). However, we may change or substitute ThankYou Network rewards, as well as adjust ThankYou Point levels required for specific ThankYou Network rewards, at any time without prior notification. All ThankYou Network rewards are subject to availability. You may access continuously updated Terms and Conditions of ThankYou Network at www.thankyounetwork.com.

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Unless you are participating in a limited-time promotional offer, you will earn five ThankYou Points for every dollar you spend on purchases at supermarkets, drugstores and gas stations for twelve months from date you became a cardmember and one ThankYou Point for every dollar you spend on other purchases. After twelve months you will earn one ThankYou Point on all purchases. Supermarkets are defined as stand-alone merchants that primarily sell a complete line of food merchandise for home consumption. Drugstores are defined as stand-alone merchants that primarily sell prescription and proprietary drugs and nonprescription (over-the-counter) medicines. Gas stations are defined as merchants that primarily sell vehicle fuel for consumer use.

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Purchases not eligible to receive the five points include, but are not limited to, purchases made at warehouse clubs, discount stores, department stores and convenience stores. In addition, online, catalog, mail order and telephone purchases are not eligible to receive five ThankYou Points unless the merchants identify the transactions as being made at a supermarket, drugstore or gas station. We do not determine whether merchants correctly identify and bill transactions as being made at supermarkets, drugstores or gas stations. However, we do reserve the right to determine which purchases are eligible to receive the five ThankYou Points.

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You can earn up to 75,000 ThankYou Points during any calendar year (eligible purchases appearing on your January-December billing statements). Unless otherwise specified, the calendar year limit will include any bonus ThankYou Points you may be eligible to receive, even though such bonus points may not post to your Card Account until one to two billing cycles later. ThankYou Points expire five years from the end of the calendar year in which they are earned unless we terminate ThankYou Network, in which case you will have only 90 days from the ThankYou Network termination date to redeem all your accumulated ThankYou Points.

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If you are approved for a Card Account, we will set up a ThankYou Network Member Account ("ThankYou Member Account") for you. We will transfer ThankYou Points that post to your Card Account to your ThankYou Member Account at the close of each billing cycle. ThankYou Points are not eligible for redemption until they are transferred to your ThankYou Member Account.

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You may earn ThankYou Points as long as your Card Account is open and current. If your Card Account is closed, you will not be able to earn ThankYou Points. Unless you reopen such Card Account within 90 days of closure, you will lose any accumulated ThankYou Points that have not been transferred to your ThankYou Member Account.

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Balance transfers, cash advances, convenience checks, returned purchases, disputed or unauthorized purchases/fraudulent transactions, finance charges and Card Account fees do not earn ThankYou Points unless otherwise specified. ThankYou Points post to your Card Account at the close of each billing cycle. Bonus ThankYou Points may take one to two additional billing cycles to post to your Card Account.

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Please see the Program Guide you will receive after you become a cardmember for the Terms and Conditions of ThankYou Network, including a description of certain ThankYou Network rewards.