MyPoints Rewards Platinum MC!!!!!!!

â?¢ 1 Point for every $2 you spend, online and off** _
â?¢ Earn additional Points when you use your card to shop online at MyPoints.com*** _
â?¢ $0 liability for unauthorized purchasesâ?  _
â?¢ Retail Purchase Protection

Please read these Terms and Conditions.
Please note that the Terms and Conditions for the Citi® Platinum Select® Card account, including the Initial Disclosure Statement, will be provided to you electronically. Before you receive an account number, if approved for credit, you will be asked to confirm that you agree to receive your Initial Disclosure Statement electronically and that you have the software and equipment necessary to view and retain a copy of the Initial Disclosure Statement.
CITIBANK DISCLOSURES
Annual percentage rate (APR) for purchases 11.24%
Other APRs Balance transfer APR: As long as first balance transfer is completed within 12 months from date of account opening, 0.00% for 12 months from date of first balance transfer. After that, 11.24%.
Cash advance APR: 19.99%.
Default rate: 28.24% See explanation below.*
Variable rate information Your APRs may vary. The rate for purchases and balance transfers is determined monthly by adding 6.99% to the Prime Rate.**
The cash advance rate is determined monthly by adding 14.99% to the Prime Rate, but such cash advance rate will never be lower than 19.99%. The default rate is determined monthly by adding up to 23.99% to the Prime Rate.***
Grace period for repayment of balances for purchases Not less than 20 days if you pay your total new balance in full each month by the due date.
Method of computing the balance for purchases Average daily balance (including new purchases)
Annual fees None
Minimum finance charge 50 cents
Transaction fee for cash advances: 3% of the amount of each cash advance, but not less than $5.
Transaction fee for balance transfers: 3.0% of the amount of each balance transfer, but not less than $5 or more than $50. However, there is no fee with the balance transfer APR offer described above.
Late fee: $15 on balances up to $100, $25 on balances of $100 up to $1000, and $35 on balances of $1000 and over.
Over the credit-line fee: $35
* All your APRs may increase if you default under any Card Agreement that you have with us because you fail to make a payment to us or any other creditor when due, you exceed your credit line, or you make a payment to us that is not honored by your bank.
** The Prime Rate used to determine your APRs is the U.S. Prime Rate published in The Wall Street Journal on the last business day of each month.
*** Factors considered in determining your default rate may include the length of time your account with us has been open, the existence, seriousness and timing of defaults under any Card Agreement that you have with us, and other indications of usage and performance.
_ We may change the above rates, fees, and other cost information at any time in accordance with applicable law and the Card Agreement that will be sent with your card.
TERMS AND CONDITIONS OF OFFER
_
* This offer is only valid for new accounts. You must be at least 18 years of age. If you are married, you may apply for a separate account.
* You must be a legal resident of the United States. The application cannot be processed if the mailing address has been changed to a foreign address. Citibank (South Dakota), N.A. ("we"), the issuer of your card, may require you to provide a street address to us before we process your application.
* To process the application for a new account, it must be:
1. Accurately completed, and
2. Verifiably correct.
3. Some offers are for a limited time. If you are responding to a limited time offer, we must receive your application by the expiration date.
* Please allow four weeks from date of submission to process a completed application.
* We may gather information about you, including from your employer, your bank, credit bureaus, and others, to determine your eligibility for credit, renewal of credit, and future extensions of credit. If you ask us, we will tell you whether or not we requested a credit bureau report and the names and addresses of any credit bureaus that provided us with such reports.
* To receive a Citi® Platinum Select® Card, you must have an annual income of at least $8000 and you must meet our credit qualification criteria for a Citi® Platinum Select® Card. Your credit limit will be determined by your yearly income and a review of your credit report. You will be informed of the amount of your credit line when you receive your card. Some credit lines may be as low as $500. Please note that cash advances may be limited to a portion of your credit line.
* The Card Agreement ("Agreement") will be sent with your card(s). The Agreement includes binding arbitration. Arbitration replaces the right to go to court, including the right to a jury and the right to participate in a class action or similar proceeding. The Agreement will be binding on you unless you cancel your account within 30 days after receiving your card and you have not used or authorized use of your account. We may change the Agreement at any time in accordance with applicable law and the terms of the Agreement.

_
------------------------------------------------------------------------
DETAILS AND INSTRUCTIONS FOR BALANCE TRANSFERS

Just follow these simple steps to start saving money on your high-interest cards.
1. About three weeks after you get your card, you'll receive a complimentary balance transfer kit with everything you need to pay off your high-rate cards.
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. The available credit line for your new card will be reduced by the total amount of the transfers we approve. We may not approve future balance transfers if you default under any Card Agreement.
4. Watch for payments to show up as credits on your other credit card statements. If the credited amount brings the balance down to zero, you may then cancel those accounts.
5. Please note you cannot transfer balances from any Citi, Choice or AT&T Universal Card account.
6. Finance charges will be assessed on balance transfers from the date the transaction is posted to your account. Payments and credits will be allocated to pay off low rate balances before higher rate balances.
------------------------------------------------------------------------

The websites:

http://www.citibank.com/us/cards/promos/mypoints/index_email06.htm


Ron.