citibank®

- Fee-free use of over 23,000 Citibank ATMs nationwide, including over 5,700 at
  7-ELEVEN^® stores**
- Free online bill payment with Citibank^® Online
- Free mobile banking with Citi Mobile^SM ***
- Free Citi^® Identity Theft Solutions
- So open your Citibank checking account today!
- Or apply by phone: 1-866-583-6708
  and mention code: CY73
- Just open a qualifying Citibank regular checking account and fund it with a minimum of $1,000 by 01/31/2009.
- Within the first month after your account is opened, make at least one direct deposit into your account or make at least two electronic bill payments from your account or five pinless debit card purchase transactions each month for three consecutive months and get $100 deposited into your new account.

This offer is not available at Citibank branches.

*This offer is only available to Citi^® cardmembers who are the primary credit card account holders. Offer is not valid for existing Citibank checking customers. All accounts are subject to approval. Participation limited to United States ("U.S.") citizens or resident aliens with a valid U.S. taxpayer identification number. Customer is responsible for taxes, if any. Persons under 18 years of age are not eligible. Offer may be modified or withdrawn at any time without notice, is not transferable and cannot be combined with any other offer. Customer must deposit a minimum of $1,000 into checking account opened in a Citibank Account, Citibank Everything Counts^® or Citigold^® account relationship package by 01/31/2009. Fees may apply to the checking account. Beginning no later than the first month after account opening, customer must complete at least one direct deposit to, or at least two electronic bill payments from, the checking account each month for three consecutive months to get $100. Electronic bill payments are those you make using Citibank^® Online, Citi Mobile^SM or CitiPhone Banking^®. A bill that is paid by making a transfer between linked accounts does not qualify as a bill payment for this offer. Qualifying debit card purchase includes those made be selecting "credit" when prompted contactless (MasterCard^® PayPass™). Internet and phone transactions; purchases initiated using a Personal Identification Number (PIN) are excluded. $100 will be deposited to your Citibank checking account within 120 days from the end of the statement period in which you met the qualifying requirements. Your Citibank checking account must be in good standing at the time each bonus payment is deposited. Checking accounts are offered by Citibank, N.A., an affiliate of Citibank (South Dakota), N.A., the bank that issues your credit card.

**Get cash, get information and transfer balances between eligible linked Citibank accounts at Citibank ATMs at participating 7-Eleven locations. These ATMs are not owned or operated by Citibank. Not all functions available at all ATMs. 7-ELEVEN^® is a registered trademark of 7-Eleven, Inc.

***Citibank charges no fee for using Citi Mobile. Standard account charges apply. Charges for application download and usage vary by wireless carrier. Contact your carrier for the fees applicable to your plan. Visit citibank.com/citimobile for details and a current list of compatible devices.

©2009 Citibank, N.A. Member FDIC. Citi, Citibank, Citibank with Arc Design, Citibank Everything Counts, Citigold and CitiPhone Banking are registered service marks of Citigroup Inc. Citi Mobile is a service mark of Citigroup Inc.