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1. Rates as of June 30, 2006. The Annual Percentage Rate (APR) for our Home Equity Line of Credit may vary and is indexed to the Prime Rate, as published in the 'Money Rates' section of The Wall Street Journal (currently 8.25%). The variable APR may be as low as Prime minus 1.01% (currently 7.24% variable APR, with as low as Prime minus 3.01%, currently 5.24% variable APR for the first 6 months) and up to Prime plus 3.90% (currently 12.15% variable APR, with as low as Prime minus 3.01%, currently 5.24% variable APR, for the first 6 months). For Texas homeowners, the variable APR may be as low as Prime minus 0.71% (currently 7.54% variable APR, with as low as Prime minus 3.01%, currently 5.24% variable APR for the first 6 months) and up to Prime plus 4.20% (currently 12.45% variable APR, with as low as Prime minus 3.01%, currently 5.24% variable APR, for the first 6 months). The maximum APR is 18%. To qualify for the lowest rate and introductory rate offer, customers must meet minimum loan or line amount requirements, must utilize at least $25,000 of the line at account opening and meet certain loan-to-value conditions and credit qualifications. Your application must meet our credit guidelines. Rates subject to change without notice. This is not an offer for extension of credit nor a commitment to lend and is subject to change without notice. Certain restrictions may apply on all programs. Home Equity Lines of Credit are available to U.S. residents only. Not available in Alaska and Hawaii. In Texas, there is a $4,000 minimum per draw, and loan to appraised value may not exceed 80% for the first and second mortgages combined, of which the second mortgage may not exceed 50% of the appraised value. No third lien positions are allowed. 2. Property insurance and the fee to release an existing mortgage may be required. In addition, an early closure release fee may be charged to recover all third party costs incurred in originating your line if you close your account within 36 months (not applicable in Texas). This fee includes closing costs, which can range from approximately $500 to $11,220, except in New York, where they can range from approximately $490 to $23,200, and in Texas, where they can range from approximately $300 to $8,637. Costs may vary based on line amount, property location, and title insurance required. An annual fee of $50 may apply starting on the first anniversary of credit line account opening (not applicable in Texas). 3. Consult a tax advisor regarding the deductibility of interest. ABOUT THIS E-MAIL MESSAGE Please do not reply to this marketing e-mail from Citibank retail banking. For account-specific inquiries, Citibank retail banking customers can call 1-800-374-9700 or sign-on to your account at www.citibankonline.com. You can also direct any inquiries to: Citibank Service Center Attn: Email/Internet Services 100 Citibank Drive Building 3, 1st Floor San Antonio, TX 78245 You are receiving this marketing message from Citibank retail banking because your friend provided your e-mail address with the indication that you may be interested to receive information from Citibank retail banking about Citigroup products and services via e-mail. If you are not a Citibank retail banking customer and prefer not to continue receiving marketing messages from Citibank retail banking via e-mail, just click here to unsubscribe. If you are a Citibank retail banking customer and prefer not to continue receiving marketing messages from Citibank retail banking via e-mail, just click here to sign on to your account. Then select "ACCOUNT SERVICING" from the menu and click on "Change/Add E-mail" under "Customer Service." (C)2006 Citibank. Citibank, N.A., Citibank, F.S.B., Citibank (West), FSB, Citibank Texas, N.A. Member FDIC. Citibank with Arc Design is a registered service mark of Citigroup Inc.
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