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CJ6F
Apply for a new Citibank Home Equity Loan or Line of Credit by 7/31/06.
Close on your loan.
The iPod nano will be shipped to you approximately 90 days after
your loan is closed.
CJ6F
*OFFER DETAILS:
This Offer is not available at Citibank Financial Centers. To receive this offer you must apply for a new Citibank Home Equity Loan or Line of Credit by July 31, 2006. The iPod® nano will be shipped to you within approximately 90 days after your loan is closed. Account must be in good standing at the time the iPod nano is shipped. The iPod nano provided by Citibank will be available in two colors, black and white. Citibank reserves the right to ship the iPod nano in a color of its choosing. Citibank will only ship to addresses in the U.S.

All accounts are subject to credit approval. Taxes, if any, are the responsibility of the customer. One offer per customer. Offer only available for new Citibank Home Equity Loan or Line of Credit accounts. A customer may qualify to receive the award under the promotion code selected only. You must provide a valid social security number or ITIN to receive the iPod nano. Non-U.S. residents, and persons under 18 years of age are not eligible. Offer may be modified or withdrawn at any time without notice and is not transferable. If a sufficient number of iPod nanos are not available to it, Citibank reserves the right to satisfy its obligation under this offer by providing a different portable music player of equal or greater value in its place.

1. Rates as of May 11, 2006. The variable Annual Percentage Rate (APR) is indexed to the Prime Rate, as published in the ‘Money Rates’ section of The Wall Street Journal. Maximum APR: 18%. Annual fee: $50 (California and Nevada). To qualify for the lowest rate, customers must use the Citibank Auto Deduct feature (an automated monthly debit from a Citibank deposit account) for repayment, maintain (after the introductory period, if applicable) an average daily balance of at least $75,000, have a good credit history, make all payments when due, and meet certain loan-to-value conditions. Certain limitations apply. Loans subject to credit approval. Rates subject to change without notice. Applicable for loan sizes up to $1,000,000. Rates and terms not applicable for Home Equity Lines of Credit on investment properties.

2. If you close your account within 36 months, you may be required to pay an early closure release fee to recover all costs incurred in originating your loan (not applicable in Texas). This fee will include closing costs, which can range from approximately $500 to $11,220, except in Texas, where they can range from approximately $300 to $8,637, and in New York, where they can range from approximately $490 to $23,200. Closing costs may vary based upon the line amount, property location, and title insurance required. Property insurance and the fee to release an existing mortgage may be required.

3. Rates as of May 11, 2006. APR is applicable for loan sizes from $60,001 to $500,000 with a term of 5 years. If you borrow $60,001 for 5 years at 6.55% APR, you will make 60 payments of $1,175. To qualify for the lowest rate, customers must use the Citibank Auto Deduct feature (an automated monthly debit from a Citibank deposit account) for repayment, have a good credit history, meet a minimum loan amount of $60,001, have a 5-year loan term, make all payments when due, and meet certain loan-to-value conditions. Other rates and terms may apply based on your credit history.

4. Consult a tax advisor.

*No ATM access in CT or TX.

This offer is not available in Alaska or Puerto Rico.

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