Reduce your purchase APR by .25% when you 1) make a purchase, 2) stay under your credit line and 3) pay at least your minimum amount due on time 3 billing periods in a row. Your Card Account must be open and not in default at the time of the quarterly reduction or such quarterly reduction will not apply. The purchase APR on your account can be reduced a maximum of 8 times up to a total reduction of 2% throughout the time your account is open. The APR reduction does not apply to Balance Transfers or Cash Advances.

ThankYou® Network
Citi Forward Card Terms and Conditions
ThankYou Network is offered to certain cardmembers ("you") at the sole discretion of Citibank (South Dakota), N.A. ("we"), the issuer of your card account ("Card Account"). ThankYou Network or any portion thereof may be revised or terminated with 30 days prior written notice. Any revisions may affect your ability to use the ThankYou Points you have already accumulated. If ThankYou Network is terminated, you will only have 90 days from ThankYou Network termination date to redeem all your accumulated ThankYou Network points ("ThankYou Points"). ThankYou Network rewards and ThankYou Point levels required for specific rewards are subject to change without notice.

Unless you are participating in a limited-time offer, you will earn five ThankYou Points for every dollar you spend on purchases at (1) book stores, (2) record stores, (3) restaurants, including fast food restaurants, (4) motion picture theaters, and (5) video entertainment rental stores ("qualifying merchants"). You will earn one ThankYou Point for every dollar you spend on all other purchases. Book stores are defined as stand-alone merchants that primarily sell, for consumer use, books (including textbooks), magazines, maps, and calendars. Record stores are defined as stand-alone merchants that primarily sell, for consumer use, records, compact discs (CDs), music and video laser discs, and blank audio and videotapes. Restaurants, including fast food restaurants, are defined as stand-alone merchants that primarily prepare food and drinks for immediate consumption by consumers, either on the merchant's premises or packaged for carryout. Motion picture theaters are defined as stand-alone merchants that operate movie theaters, and sell tickets as well as refreshments. Video entertainment rental stores are defined as stand-alone merchants that primarily rent videotapes, laser discs, DVDs, and video games for consumer use at home.

Purchases not eligible to receive the five points include, but are not limited to, purchases made at warehouse clubs, discount stores, department stores and convenience stores. Online and catalog purchases are not eligible to receive five ThankYou Points unless the merchants appropriately identify the transactions.

We do not determine whether merchants appropriately identify all transactions you make on your Card Account, but we do reserve the right to determine which purchases qualify for ThankYou Points. You can earn up to 75,000 ThankYou Points during any calendar year (eligible purchases appearing on your January - December billing statements). You may only earn ThankYou Points on your Card Account as long as it is open and current. ThankYou Points expire five years from the end of the month in which they are earned unless ThankYou Network is terminated.

You will earn 100 bonus ThankYou Points at the end of every billing cycle during which you make your Minimum Payment or more on time, and at the end of which you are not over your credit limit. Your account must be open and not in default under any Card Agreement in order to be eligible for this award. Accounts with a zero Minimum Payment due at the end of a billing cycle will not be eligible for an award for that cycle. These bonus points are not included in the annual calendar year limit.

If you are approved for a Card Account, a ThankYou Network Member Account ("ThankYou Member Account") will be set up for you. ThankYou Points post to your Card Account at the close of each billing cycle, and at that time, we will transfer the ThankYou Points you earned to your ThankYou Member Account. ThankYou Points are not eligible for redemption until they are transferred to your ThankYou Member Account. ThankYou Points may not be redeemed and may be lost if your Card Account is not open or current.

After promotional period, standard APR for purchases applies to remaining promotional balances. As of February 19, 2010, standard variable APR for purchases is 14.24%; standard variable APR for cash advances is 25.24%. However, all your APRs (including any promotional APRs) may increase as permitted by law to the 29.99% variable default rate if you pay us late, [go over the credit line], or make a payment to us that is not honored. Minimum finance charge is $.50. Foreign purchase transaction fee is 3.0% of the U.S. dollar amount of each purchase made outside the U.S., whether made in U.S. dollars or in a foreign currency. Balance transfer fee is 3.0% of each balance transfer amount, $5 minimum. Cash advance fee is 3.0% of each cash advance amount, $5 minimum.

6,000 bonus ThankYou Points can be earned by new Citi Forward cardmembers approved through this offer. To receive bonus points, make $250 in purchases within 3 months of account opening. All points become available for redemption when they are transferred from your Card Account to your ThankYou Member Account.

2,500 bonus ThankYou Points can be earned by new Citi Forward cardmembers approved through this offer. To receive bonus points, sign up for Paperless Statements on this account within 3 months of account opening. You may only receive this bonus one time. All points become available for redemption when they are transferred from your Card Account to your ThankYou Member Account.

Reduce your purchase APR by .25% when you 1) make a purchase, 2) stay under your credit line and 3) pay at least your minimum amount due on time 3 billing periods in a row. Your Card Account must be open and not in default at the time of the quarterly reduction or such quarterly reduction will not apply. The purchase APR on your account can be reduced a maximum of 8 times up to a total reduction of 2% throughout the time your account is open. The APR reduction does not apply to Balance Transfers or Cash Advances.

ThankYou® Network
Citi Forward Card Terms and Conditions
ThankYou Network is offered to certain cardmembers ("you") at the sole discretion of Citibank (South Dakota), N.A. (“we”), the issuer of your card account (“Card Account”). ThankYou Network or any portion thereof may be revised or terminated with 30 days prior written notice.. Any revisions may affect your ability to use the ThankYou Points you have already accumulated. If ThankYou Network is terminated, you will only have 90 days from ThankYou Network termination date to redeem all your accumulated ThankYou Network points ("ThankYou Points"). ThankYou Network rewards and ThankYou Point levels required for specific rewards are subject to change without notice. Unless you are participating in a limited-time offer, you will earn five ThankYou Points for every dollar you spend on purchases at (1) book stores, (2) record stores, (3) restaurants, including fast food restaurants, (4) motion picture theaters, and (5) video entertainment rental stores ("qualifying merchants"). You will earn one ThankYou Point for every dollar you spend on all other purchases. Book stores are defined as stand-alone merchants that primarily sell, for consumer use, books (including textbooks), magazines, maps, and calendars. Record stores are defined as stand-alone merchants that primarily sell, for consumer use, records, compact discs (CDs), music and video laser discs, and blank audio and videotapes. Restaurants, including fast food restaurants, are defined as stand-alone merchants that primarily prepare food and drinks for immediate consumption by consumers, either on the merchant's premises or packaged for carryout. Motion picture theaters are defined as stand-alone merchants that operate movie theaters, and sell tickets as well as refreshments. Video entertainment rental stores are defined as stand-alone merchants that primarily rent videotapes, laser discs, DVDs, and video games for consumer use at home.

Purchases not eligible to receive the five points include, but are not limited to, purchases made at warehouse clubs, discount stores, department stores and convenience stores. Online and catalog purchases are not eligible to receive five ThankYou Points unless the merchants appropriately identify the transactions. We do not determine whether merchants appropriately identify all transactions you make on your Card Account, but we do reserve the right to determine which purchases qualify for ThankYou Points. You can earn up to 75,000 ThankYou Points during any calendar year (eligible purchases appearing on your January - December billing statements). You may only earn ThankYou Points on your Card Account as long as it is open and current. ThankYou Points expire five years from the end of the month in which they are earned unless Thankyou Network is terminated.

You will earn 100 bonus ThankYou Points at the end of every billing cycle during which you make your Minimum Payment or more on time, and at the end of which you are not over your credit limit. Your account must be open and not in default under any Card Agreement in order to be eligible for this award. Accounts with a zero Minimum Payment due at the end of a billing cycle will not be eligible for an award for that cycle. These bonus points are not included in the annual calendar year limit. If you are approved for a Card Account, a ThankYou Network Member Account ("ThankYou Member Account") will be set up for you. ThankYou Points post to your Card Account at the close of each billing cycle, and at that time, we will transfer the ThankYou Points you earned to your ThankYou Member Account. ThankYou Points are not eligible for redemption until they are transferred to your ThankYou Member Account. ThankYou Points may not be redeemed and may be lost if your Card Account is not open or current.