EFTA00525108.pdf

September 1 - October 2, 2011 Page 1 of 5 02.02.01 n' ::41000 Citigold Account 1060451 CITIGOLD SERVICES PO Box 769007 San Antonio, Texas 78245 For banking call: Citigold Services at (888) 248-4465* Website: www.citibankonline.com ET # 14G NEW YORK NY 10065-6218 Women & Co.®, brought to you by Citibank, is where wisdom, wealth, and women meet. Sign up for free today at womenandco.com and access articles, audio and video clips by subject matter experts, goal- setting financial tools, and a conversation on all things women and money. Citigold is a service of Citibank, N.A. The following summary portion of the statement is provided for informational purposes. Value of Accounts 111- Last Period This Period Earnings Summary This Period This Year Citibank Accounts Citibank Accounts Checking Checking Checking 17,311.43 15,101.33 Checking $1.52 $16.40 Savings Savings _ Insured Money Market Accounts 382,040.87 382,154.94 Insured Money Market Accounts 114.07 810.86 Citigold Relationship Total $399,352.30 $397,256.27 Citigold Relationship Total $115.59 $827.26 Bank Loans Utilized Lasi Perod This Period Bank Interest Expense Summary This Period This Year Checking Plus 0.00 0.00 Checking Plus 0.00 0.00 Credit Cards 0.00 0.00 Credit Cards 0.00 0.00 Total $0.00 $0.00 Total $0.00 $0.00 • To ensure quality service, calls are randomly monitored and may be recorded. EFTA00525108  - October 2, 2011 Page 2 of 5 02.02.02 ,.tFOCO lgo ccount 1060451 Effective immediately, the fee for a non-standard design checkbook order (includes non-standard design, non-standard lettering, non-standard cover and special logos) will be waived provided your Citigold® Account Package had a combined average balance of $500,000 or more for the calendar month prior to the date of the transaction. All other terms and conditions of your Marketplace Addendum remain unchanged. End of Summary Section Citibank gives you the benefit of lower charges, better rates and higher transaction limits as you maintain higher balance levels. When determining your rates, rebates of ATM surcharges for non-Citibank ATM transactions and monthly service charge for this statement period, and the transaction limits and fee waivers that apply during the next statement period. Citibank considers your average balance during the month of August In all your qualifying accounts that you asked us to combine. These balances may be in accounts that are reported on other statements. Monthly Service charges are waived for the following balance levels. - $50,000 for deposits (checking, savings, money markets, CDs) and Retirement Accounts - $100,000 for deposits. Retirement Accounts, loans (except mortgage from CitiMortgage), credit cards and investments - $250.000 for deposits. Retirement Accounts, loans, credit cards, investments and a mortgage from CitiMortgage Please refer to your Client Manual and Marketplace Addendum booklets and amendments for details. To link additional eligible Citibank accounts for consideration for next month's balances please refer to the phone number on page 1. Rates and Charges Your Combined Balance Range $250,000-$499,999 Rates Preferred Monthly Service Charge None All fees assessed for this statement period will appear as charges to your checking account on your next Citigold statement. Checking High Interest Checking 01060451 Activity Date Description Amount Subtracted Amount Added Balance 9/01/11 Opening Balance 17,311.43 9/08/11 ACH Electronic Credit NES LLC DIRECT DEP 1,981.86 19,293.29 9/20/11 Cash Withdrawal 05:03p #1009 Citbank ATM 1078 THIRD AVE, NY, NY 500.00 18,793.29 9/21/11 ACH Electronic Debit AMERICAN EXPRESS ELEC REMIT 5,175.35 13,617.94 9/22111 ACH Electronic Credit NES LW DIRECT DEP 1,981.87 15,599.81 9/26/11 Cash Withdrawal 1223p #1009 Citibank ATM 399 PARK AVENUE. NY. NY 500.00 15,099.81 9/30/11 Interest for 32 days, Average Daily Balance $17.287.76 1.52 15,101.33 Average Rate 0.10%. Annual Percentage Yield Earned 0.10% EFTA00525109  - October 2, 2011 Page 3 of 5 ociocioanyosroc•J [go ccount 1060451 Checking High Interest Checking 01060451 Activity Date Description Amount Subtracted Amount Added Balance Continued Total Subtracted/Added 6,175.35 3,965.25 10/02/11 Closing Balance 15,101.33 All transaction times and dates reflected are based on Eastern Time. Overdraft As of Some of Coverage Amount Protection 10/02/11 Checking Plus $1,000.00 10/02/11 Total Overdraft Protection $1,000.00 Citibank® CitibankoSavings Plus 9939812942 Savings Plus Account Activity Date Description Amount Subtracted Amount Added Balance 9/01/11 Opening Balance 95.85 9/30/11 Closing Balance 95.85 Ultimate Ultimate Savings Account (USA) 9957469762 Savings Date Description Amain SubtraMed Amount Added Balance Account Activity 9/01/11 Opening Balance 381,945.02 9/30/11 Interest for 32 days, Average Daily Balance 5381.945.02 114.07 382,059.09 Average Rate 0.3408%. Annual Percentage Yield Earned 0.34% 9/30/11 Closing Balance 382,059.09 EFTA00525110  - October 2, 2011 Page 4 of 5 000004/11:00000 igo ccount 1060451 Bank Loans Checking Plus Checking Plus 01060451 Credit Line: 1,000.00 Previous Balance: 0.00 Activity Available Credit: 1,000.00 New Balance: 0.00 Credit Cards Account As of Date Credit Line Current Available Amount You Owe CltiThankYouSM Card 9/09/11 $10,500.00 $10,500.00 $0.00 5424180748373443 End of Bank Statement EFTA00525111  - October 2, 2011 Page 5 of 5 000005•11,04FOCO go ccount 1060451 Please read the paragraphs below for important information on your accounts with us. Note that some of these products may not be available in all states a in all packages. TO RECONCILE YOUR CHECKBOOK WITH THIS STATEMENT CITIBANK ACCOUNTS FOLLOW THESE SIMPLE STEPS The products reported on this statement have been combined onto one monthly statement at you' request. Opening and closing dates of the statement period are disclosed with the cpening and closing balance for each bank product in the applicable transaction activity section. The ownership and tide of individual I. List in your checkbook any deposits. withdrawals and service charges which are shown on yogi statement, but not recorded in products reported here may be different from the addressee(s) on the first page. CHFCKING AND SAVINGS your checkbook. Adjust your checkbook accordingly. FDIC Insurance: 2. Mark off in your checkbook all checks paid. withdrawals. or deposits listed on your statement. The following bank deposits are FDIC insured up to applicable Imes: Checking, Interest Checking. Insured Money Market Account. Certificates of Deposit and IRA & Keogh finds held 'n bank deposits. 3. List and total in the "Checks and Other Withdrawal CERTIFICATES OF DEPOSIT Outstanding" column below all issued checks that have not been paid by Citibank together with any applicable check charges Certificate of Deposit (CD) information may show dashes in certain fields d on the date of your statement your new CD was not yet funded or your existing CD renewed but is still n its grace period. Updated information will be reflected on a subsequent statement. and all withdrawals made from your account since your last In Case of Errors or Questions About Your Electronic Fund Transfers other than for Investment Transactions: statement. 4. Deduct from your checkbook balance any service or other If you think your statement or record is wrong, or if you need more information about a transfer on the statement or record. telephone us or write to us at the address shown on the first page of yak statement as soon as possible. We must hear from you no later than 60 days after we sent you the first statement on which the charge (including pre-authorized transfers or automatic error or problem appeared. You we entitled to remedies for error resolution for an electroric fund transfer in accordance with the Electronic Fund Transfer Act deductions) that you have not already deducted. S. Add to your checkbook balance any interest-earned deposit and federal Regulation E or in accordance with laws of the state where your account is located as may be applicable. See your Client Manual for details. Give us the following information: (1) your name and account number, (2) the dollar amount of the suspected error. (3) describe the error or the transfer you shown on this statement. are unsure about and explain as clearly as you can why you believe there is an error or why you need more information. We will investigate your inquiry and 6. List the ending Balance al the end of the Checking Activity section. will correct any error promptly. If we lake more than 10 business days to do this (20 business days for non U.S. or merchant terminal transactions). we will recredit your account for the amount you think is in error. so that you will have use of the money during the time it takes us to complete cam investigation. 7. Add deposits or transfers you I IRAs AND KEOGH Plans Citibank. N.A. is custodian of your Citibank IRA and trustee of your Citibank Keogh Plan. recorded which are not shown on CREDIT PRODIlfgq Checking Plus - Fixed Rate and Variable Rate this statement. I Average Daily Balance: The Average Daly Balance is computed by taking the beginning balance on your account each day. adding any new advances and ackustments as of the day they are made, and subtracting any payments as of the day received, credits as of the day issued, and any unpaid Interest Charges 8. Total (6 and 7 above) or other fees and charges. This gives you a daily balance. Add up all the daily balances for the statement period and divide the total by the number of days 9. Enter Total Checks & Other Withdrawals in the statement period. This gives you the Average Daily Balance. For Checking Plus (variable rate), the Daily Periodic Rate and the corresponding (see below) I Annual Percentage Rate may vary. 10. Balance (8 less 9 should equal Interest Charge: The Interest Charge is computed by applying the Daily Periodic Rate to the 'daily balance" of your account for each day in the statement period. Checkbook balance) To get the 'daily balance" we take the beginning balance each day, add any new advances and adjustments, and subtract any unpaid interest or other finance I charges and any payments or credits. This gives us the daily balance. You may verify the amount of the Interest Charge by (1) multiplying each of the average daily balances by the number of days this rate was in effect, and then (2) multiplying each of the results by the applicable Daily Periodic Rate, and (3) adding these Checks and Other Withdrawals Outstanding products together. (All of these numbers can be found in the table called "Interest Charge Cakxdatiore. Each average daily balance is disclosed as Balance (made by you but not yet indicated as paid on your statement) Subject to Interest Rate. The daily periodic rate is the Annual Percentage Rate divided by 365. except in leap years when it will be divided by 366.) For Checking Number or Date Amount Plus (variable rate), the Daily Periodic Rate and the corresponds-1i Annual Percentage Rate may vary. Interest Charges are assessed on loans as of the day we pay your check or otttemise make funds available to you from yak account. The total Interest Charges I paid during the year will be shown on your statement. We may report information about your account to credit bureaus. Late payments. missed payments. or other defaults on your account may be reflected in your credit report. I Payment Instructions: You can make payments on-line via Citibankonline.com. by phone call 888.248.4465. at any Citibank branch. Citicard Banking Center. or by mad. If paying by mail. you must 'dude yaw account number and send your payment to: Citibank, NA, PO Box 688922, Des Moines, IA 50368-89Z2 I Other Information: Checks drawn agansl a business account are not acceptable as payment for a personal loan obligation. Request for Credit Balance Refunds: If your statement shows a credit balance it means your loan payments have exceeded the total amount you owe. You I may request a lull refund of the credit balance by writing to us at the address shown on the first page of your statement. Billing Rights Summary- What To Do If You Think You Find A Mistake On Your Statement I If you think there is an error on your statement. write to us al the address shown on the first page of yak statement (Atth:Checking Plus). In your letter. give us the following information: I . Account information: Yak name and account number. I . Dollar amount: The dollar amount of the suspected error. Sum of check charges . Description of the Problem: If you think there is an error on your bill. desaibe what you believe is wrong and why you believe it is a mistake. on above. if applicable I You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential eners in writing. You may call us. but if you do we are not required to nvestigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been Total I an error. the following are true: . We cannot try to collect the amount in question. or report you as deli-repent on that amount. . The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake. you wit not have to pay the amount in question or any interest or other fees related to that amount. . While you do not have to pay the amount in question, you are responsible for the remainder of your balance. Citibank is an Equal Housing Lender. cr rt , LtN ' " . We can apply any unpaid amount aganst yak credit limit. Checking Plus, MasterCard. Visa. Citibank Preferred Visa and MasterCard. CREDIT CARDS Citibank Platinum Select. Citigold. CitiPhone Banking and Ready Credit Information about your Citibank credit card account(s) on this statement is summary information as of your last credit card statement. You val continue are registered service marks of Citigroup. Inc. to receive your regular monthly credit card statement(s). Citbank credit cards are issued by Citibank (South Dakota). NA. AAdvantage" is a registered trademark of American Airines. Inc. EFTA00525112