Citi® Professional^SM Card with ThankYou^SM Network

Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: Prime + 5.99% (Currently 10.99%)
Annual Fee: None
APR for Balance Transfers: Prime + 5.99% (Currently 10.99%)
Balance Transfer Fee: Balance transfer fee applies with this offer*
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 20 Days
Reward Program: ThankYou Points®
Late Fee: $15-$39
Overlimit Fee: $35.00
Issuer: Citibank

  APPLY FOR THIS CARD!

The Citi® Professional^SM Card offers a 0% APR on purchases for 12 months from the date of first transfer. Receive 10,000 bonus ThankYou Points after $250 in purchases, redeemable for a $100 gift card and 3 Thank You points for every dollar spent on gas station, restaurant, car rental, and office supply purchases.

The points really add up:

• Get 3 ThankYou Points for every dollar you spend on purchases at restaurants, gas stations, on auto rentals and at certain office supply merchants**
  
• Get 1 point for every dollar you spend on other purchases**
  
• Redeem your points for: air travel, statement credit, gift cards and certificates, merchandise or create your own reward.
  
• Plus get 10,000 bonus ThankYou Points after $250 in purchases that can then be redeemed for a $100 gift card*.
  

A card that works for you:

• Categorized monthly statements and quarterly and annual summaries at no additional cost
  
• A unique Online Expense Organizer that helps you use your online statement to customize reports for billing or reimbursement
  
• Access to dedicated Customer Service representatives who understand the needs of today's professionals
  

DETAILS AND INSTRUCTIONS FOR BALANCE TRANSFERS
Just follow these simple steps to start saving money on your high-interest cards.

1. After receiving your card, you may call our customer service number to transfer your high rate balances.
2. You may transfer any amount as long as the total amount (including any balance transfer fee) does not exceed your available credit line. Be sure you do not transfer the amount of any disputed purchase or other charge, because you may lose your dispute rights. Also, continue to make payments on your other accounts until your balance transfer is processed.
3. We may not approve future balance transfers if you default under any card agreement you have with us. Please note you cannot transfer balances from other accounts issued by Citibank (South Dakota) N.A., or its affiliates.
4. Finance charges will be assessed on balance transfers from the date the transaction is posted to your account. At that time, any balance transfer fees associated with this offer will be included in total in your minimum payment amount.


*OFFER DETAILS:

Citi Professional Card is considered a business purpose credit card and not a consumer credit card. Please note that certain consumer rights do not apply to this account.

You will receive 10,000 bonus points after your first $250 in purchases with your Citi Professional Card with ThankYou® Network. Points will appear as a bonus on your Card account within 1-2 billing cycles after you have met the purchase requirement.

Introductory APR of 0.0% on purchases for 12 months from date of cardmembership. After the promotional period ends, the standard variable purchase APR will be applied to any unpaid purchase amounts. However, all your APRs may automatically increase to a 29.24% variable default rate if you default under any Card Agreement that you have with us. Minimum finance charge $0.50. Foreign purchase transaction fee: 3% of purchase amount after its conversion into U.S. dollars. The transaction fee for balance transfers is 3.0% of the amount of each balance transfer, $5 minimum. Cash advance transaction fee: 3.00% of the amount of each transfer, minimum $5.00.


**ThankYou^SM Network
Citi Professional Card With ThankYour Network Terms and Conditions

ThankYou^SM 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. If ThankYou Network is terminated, you will only have 90 days from termination date to redeem all your accumulated ThankYou Network points ("ThankYou Points"). However, ThankYou Network rewards may be changed or substituted, as well as ThankYou Point levels required for specific ThankYou Network rewards adjusted, at any time without prior notification.

Unless you are participating in a limited-time promotional offer, you will earn three ThankYou Points for every dollar you spend on purchases at restaurants, gas stations, certain office supply merchants, and on auto rentals, and one ThankYou Point for every dollar you spend on all other purchases. You can only earn ThankYou Points on purchase transactions, no other transactions qualify. Restaurants are defined as merchants that prepare food and sell prepared food and beverages for immediate consumption either on the premises or packaged for carryout. Gas stations are defined as stand-alone merchants that primarily sell vehicle fuel for consumer use. Office supply merchants are defined as stand-alone merchants that primarily sell stationery and office supplies for business consumption. Auto rentals are defined as stand-alone merchants who provide short-term or long-term rentals of cars, trucks, vans or utility trailers.

Purchases not eligible to receive the three points include, but are not limited to, purchases made at warehouse clubs, discount stores, department stores and convenience stores. Online, catalog, mail order and telephone purchases are not eligible to receive three 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 to receive ThankYou Points. You can earn up to 100,000 ThankYou Points during any calendar year (eligible purchases appearing on your January-December billing statements). You may earn ThankYou^SMPoints as long as your Card Account is open and current. ThankYou Points expire three years from the end of the calendar year in which they are earned unless ThankYou Network is terminated.

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 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.

See web site for complete terms & conditions.