A card built to put your money to work. Welcome to your Citi Dividend World Elite TM MasterCard.

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1 WELCOME Citi Dividend World Elite tm MasterCard Cash Back. Security. Convenience.

2 SMART A card built to put your money to work. Welcome to your Citi Dividend World Elite TM MasterCard. Here s how it works: Earn at least 2% cash back on popular, rotating categories each quarter from department stores, jewelry and apparel to restaurants, hotels and more. To enroll each quarter, simply sign on to your account online or call Earn a full 1% cash back on eligible purchases and cash advances taken at the standard cash advance rate. $5 cash back on individual balance transfer transactions of $1,500 or more. Average 5% additional cash back at over 400 leading retailers through the Citi Bonus Cash Center. As soon as you ve earned 50 Dividend Dollars or more, * call us at or visit citicards.com to request your check. *You may earn up to $300 per calendar year payable in checks of $50 upon request. Cash back earned through the Citi Bonus Cash Center is not subject to the annual maximum accumulation.

3 Savvy Shop smarter and be rewarded more. Shop over 400 leading retailers The Citi Bonus Cash Center is a network of over 400 leading retailers. When you shop at participating retailers or merchants, you automatically earn an average of 5% extra cash back. To earn extra cash back online, simply log on to the Citi Bonus Cash Center and browse your favorite retailers and start shopping immediately. Earn additional cash back that s unlimited As a Citi Dividend World Elite MasterCard cardmember, you enjoy access to the Citi Bonus Cash Center, where you ll earn an average of 5% extra cash back. The best part is, there is no limit to the amount of extra cash back you earn while shopping through the Citi Bonus Cash Center. This means the more you shop, the more cash back you earn. Earn cash back faster in more ways Earn at least 2% cash back * in popular, rotating categories each quarter from department stores, jewelry and apparel to restaurants, hotels and more. To enroll each quarter, simply sign on to Account Online or call Additional Cards Sign on to Account Online to request additional cards for family and household members. There is no extra charge to request an additional card, and with each card comes more ways to earn cash back faster, so you may request your check faster. Recurring Bill Payments Use your card to pay utility bills, magazine subscriptions and other bills that come regularly. By authorizing merchants to accept recurring bill payments using your eligible Citi Card, you ll save time, avoid late payments and watch your cash back add up faster. *You may earn up to $300 per calendar year payable in checks of $50 upon request. Cash back earned through the Citi Bonus Cash Center is not subject to the annual maximum accumulation.

4 Safe A card that keeps you prepared for the unexpected. Price Protection * If you buy something with your Citi Dividend World Elite MasterCard and see it advertised in print for less within 60 days, you will receive a refund for the difference up to $250. (Excludes certain purchases and any internet purchase.) Retail Purchase Protection * Protects most of the things you buy with your Citi Dividend World Elite MasterCard against theft or accidental damage, up to $1,000, for up to 90 days from the date of purchase. Auto Rental Insurance * You will receive automatic coverage for damage due to collision or theft when you reserve and rent a car with your Citi Dividend World Elite MasterCard and decline the car rental company s collision loss/damage waiver insurance. Extended Warranty * Extends the terms of the original manufacturers U.S. warranties (of one year or less) for up to one additional year on most items purchased with your card. $0 Liability on Unauthorized Charges There is $0 liability for unauthorized charges online or offline. You are completely protected against the unauthorized use of your card. The Lost Wallet Service We ll replace a lost or stolen card, usually within 24 hours **. We can also provide you with emergency cash, subject to your available cash advance limit. 24-Hour Fraud Protection Our early warning service may alert you to unusual activity on your account. Citi Identity Theft Solutions This free service will help you get your life back as painlessly as possible. You ll get expert assistance on the steps to take, as well as help with paperwork and phone calls. * Certain conditions, restrictions and exclusions apply. For complete program details, including coverage amounts, refer to your Summary of Additional Program Information. ** Emergency card replacement outside the continental U.S. may take a minimum of 48 hours. There may be a fee associated with 24 hour card replacement. Emergency cash is limited to available cash advance limit.

5 Advanced A card so advanced, it can be customized. Choose How You Pay No matter where in the world you happen to be, you can pick the most convenient way to pay: online, by phone or by mail. For online payment options, enroll now at citicards.com. Virtual Account Numbers The secure way to shop online. Our free Virtual Account Number service lets you shop online without using your real Citi Card number. Annual Account Summary Your personal financial planning and record keeping is easier with an Annual Account Summary that organizes your spending by month and category. Choose Your Own PIN Select a Personal Identification Number and use it for cash advances at ATMs worldwide. PayPass Just one tap on the PayPass reader at participating locations, and you re done no more swiping. No signature is required for purchases $50 and under at select merchants and of course you still get a receipt. Plus, you get the same level of security that you ve been accustomed to: $0 liability on unauthorized purchases.

6 Flexible A card so flexible, you can manage your account just about anywhere. Numerous online features let you manage your account, whenever, wherever. Enroll now at citicards.com. Online Benefits View, print and save up to one year of PDF statements immediately Request PDFs of past statements over one year old at no fee View recent activity and balances Add authorized users Request a credit line increase Transfer balances Recurring bill payments Receive special offers based on purchases you make Online Bill Payment You can schedule up to four online payments per statement period to pay your Citi Dividend World Elite MasterCard bill. Pay your bill with same-day posting or schedule payments for a day that works for you. Paperless Statements Don t wait for your statement to arrive in the mail - go paperless. We ll let you know when your statement is available online, plus you ll have a searchable record of your transactions. Citi Alerting Service Set up custom alerts and we ll let you know about upcoming payments, your current balance and more all conveniently through your or text message. If paid by 5 p.m. ET on a weekday

7 Ready A card that gives you world-class benefits no matter where you are. Personal Concierge Service Enjoy complimentary 24/7 assistance with dinner reservations, entertainment and travel recommendations, and other helpful services around the world. To speak to a Concierge representative, call World Elite Complimentary Professional 24/7 Travel Advisor 1 You ll have access to a personal travel advisor from Virtuoso, the international network of the finest travel agencies and advisors. However you get there and whatever you do, you get more on air travel, cruises, hotels and resorts, tours, car rentals and chauffeured service, all orchestrated by your own advisor. It adds up to big savings on better travel experiences. Airport Lounge Access 2 Makes your air travel less stressful by providing membership access to over 600 Airport Lounges in over 100 countries with Priority Pass TM. Companion Tickets 1 When you travel on select flights to select destinations, buy one ticket and receive another ticket with the same itinerary as your own. Automatic Travel Accident Insurance 2 When you use your Citi Dividend World EliteTM MasterCard to purchase plane, train, ship or bus tickets, you are automatically covered for Automatic Travel Accident Insurance at no additional cost to you. Trip Cancellation/Trip Interruption Coverage 2 In the event you are prevented from taking or continuing a trip you billed to your Citi card, you are eligible to receive up to $1,500 in trip Cancellation/Trip Interruption coverage. Lost Luggage Coverage 2 Provides up to $3,000 in lost luggage coverage for you and your dependents when you charge your entire common carrier fare with your Citi Dividend World Elite MasterCard. 1 To take advantage of all the World Elite travel benefits provided by Virtuoso, World Elite MasterCard cardholders must book through Virtuoso or a Virtuoso travel advisor and must reserve and pay in full for reservations, including deposit and final payment, with a valid World Elite MasterCard. When you purchase a full-fare Business Class ticket, you ll receive a complimentary Business Class companion ticket. Available from select cities to international destinations on Air Pacific, Air Tahiti Nui (L.A. to Paris), Iberia, Icelandair, Qantas and US Airways with no blackout dates. When you purchase a full-fare First Class ticket on Air Tahiti Nui from L.A. to destinations in France, New Zealand or Tahiti, receive a complimentary First Class companion ticket. 2 Certain conditions, restrictions and exclusions apply. For complete program details, including coverage amounts, refer to your Summary of Additional Program Information.

8 Contact information for your convenience. Account Online Enrollment Enroll in Account Online at Cash Back Quarterly Bonus Offers Enrollment or sign on to Account Online Citi Bonus Cash Center website Cash Back Redemption Customer Service Citi Customer Service Secure Messaging If you have a question about your account, please use our Secure Message Center by signing on to your account at citicards.com and choosing the Contact Us option from the Help & Contact us dropdown menu. TDD Service (for speech or hearing impaired cardmembers) Banking Citibanking (access to Citi s other financial services) CITI Citi ATM Locator Service CITI-ATM Concierge Service