PLEASE READ THE FOLLOWING TERMS OF USE AND DISCLOSURES CAREFULLY. BY SUBMITTING YOUR ORDER YOU ARE
ACKNOWLEDGING THAT YOU HAVE READ THE DISCLOSURES AND AGREE TO BE BOUND BY THE TERMS OF USE.

TERMS OF USE

Legally Binding Terms. These Terms of Use contain important information about CitiSM Credit Monitoring Service that you have ordered. To simplify this document, the following definitions will apply. "Program" means Citi Credit Monitoring Service; "You" and "Your" mean the person who ordered the membership in the Program; "Citibank" means Citibank, N.A and Citibank USA, N.A.; "Intersections" means Intersections Inc. The Program is provided to Citibank, N.A. cardmembers by Citibank (South Dakota), N.A. and to other persons by Citibank USA, N.A. All Program benefits containing or involving information from your file at one or more credit reporting agencies are delivered by Intersections. Identity Theft Expense Reimbursement Insurance is underwritten by Virginia Surety Company. Intersections and Virginia Surety Company are companies that are not affiliated with Citibank or each other. Your acceptance of the Program constitutes your acceptance of these Terms of Use.

Ongoing Services. You authorize Citibank to bill membership fees for the Program to your credit card account at the rate then in effect until you cancel your membership by notifying Citibank.

Your Use. You may use the Program only for non-commercial purposes. You may not order or use the Program for anyone else.

No Representations or Warranties. THE PROGRAM IS PROVIDED ON AN "AS IS" BASIS ONLY. CITIBANK AND ITS PROVIDERS, INCLUDING INTERSECTIONS INC., DO NOT MAKE AND EXPRESSLY DISCLAIM ANY REPRESENTATION OR WARRANTY OF ANY KIND, WHETHER EXPRESSED, IMPLIED, OR ARISING OUT OF COURSE OF DEALING OR USAGE, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT, NONINTERFERENCE WITH DATA, AVAILABILITY, OR THAT THE PROGRAM IS ERROR FREE. YOU ARE SOLELY RESPONSIBLE FOR ANY USE YOU MAKE OF THE PROGRAM OR ACTION OR DECISION YOU MAKE BASED ON IT.

Limitation of Liabilities. IN NO EVENT MAY CITIBANK OR ITS PROVIDERS, INCLUDING INTERSECTIONS INC. BE LIABLE FOR ANY CONSEQUENTIAL, INDIRECT, SPECIAL, EXEMPLARY, PUNITIVE OR SIMILAR DAMAGES ARISING FROM OR RELATED TO THE PROGRAM, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE. CITIBANK OR ITS PROVIDERS, INCLUDING INTERSECTIONS INC., TOTAL LIABILITY ARISING FROM OR RELATED TO THE PROGRAM MAY NEVER EXCEED THE AMOUNT PAID BY YOU FOR THE PROGRAM.

Other Providers. The Program contains information provided by one or more credit reporting agencies, as identified in your materials: The Program may contain credit score analysis provided by one or more third-party providers, as identified in your materials. CITIBANK AND ITS PROVIDERS, INCLUDING INTERSECTIONS INC., DO NOT CONTROL AND ARE NOT RESPONSIBLE FOR THE INFORMATION PROVIDED BY ANY CREDIT REPORTING AGENCY OR SCORE ANALYSIS PROVIDER.

Identity Theft Expense Reimbursement Insurance is available to members of Citi IdentityMonitor at no additional cost. For any one loss, Citi IdentityMonitor members receive coverage for certain expenses up to $10,000 in AK, HI, NY,OH, PA and WA and up to $25,000 for all other eligible states per membership year with no deductible by the member The Identity Theft Expense Reimbursement Coverage does not apply to (i) loss due to any fraudulent, dishonest or criminal act by an insured person or person acting in concert with an insured person, or by any authorized representative of an insured person, whether acting alone or in collusion with others; (ii) loss other than expenses such as : lost wages, notary and certified mailing costs, loan application fees and phone charges; and (iii) an Identity Fraud that commenced or expenses that were incurred when an individual was not an insured person. See the insurance contract for full details. The Identity Theft Expense Reimbursement Insurance benefit is not available to members who enroll using a Florida mailing address.

Changes. Citibank, in its sole discretion, may modify or cancel the Program or change the membership fee at any time without notice to you. Citibank may modify these Terms of Use and these changes will be binding on you. We may inform you of these changes by mailing them to you or by posting them on this Web site.

General. These Terms of Use are governed by the laws of the State of South Dakota, USA, exclusive of its choice of law principles. Any claim arising out of or relating to the Program shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association on an individual basis not consolidated with any other claim. These Terms of Use state the exclusive terms, conditions, representations and warranties governing the Program.

IMPORTANT INFORMATION

The following information applies to all CreditXpert® products. The following disclosures, representations and disclaimers that are made by, and apply to, CreditXpert Inc., are also made by, and apply, to Intersections Inc.

The information used by CreditXpert products is derived from one or more credit reports produced by the major credit reporting agencies, also called credit bureaus. The information contained in credit reports reflects the latest information provided to and recorded by the credit bureaus. Recent activity, such as making a payment, opening a new account or authorizing a credit inquiry, may not yet be reflected in the person's credit reports. If not, this activity will not be reflected in any CreditXpert products. In addition, results may change every time new information is added to or removed from credit reports, as well as with the passage of time. CreditXpert products are only as accurate as the information upon which they are based. CreditXpert Inc. is not responsible for incorrect, missing or outdated information in credit reports, which may lead to inaccurate results. Users should carefully review all of the information in credit reports to make sure it is accurate and up-to-date. Note that CreditXpert Inc. does not provide financial or other advice, and is not a credit counseling or credit repair organization.

CreditXpert Credit ScoresTM are provided to help users better understand how lenders evaluate consumer credit reports. Lenders may use a different score to evaluate a person's creditworthiness. Therefore, nothing in CreditXpert products is an endorsement or a determination of a person's qualification for a loan, a change in loan terms or any other extension of credit by lenders. Each lender has specific underwriting standards, so a person should not assume that he or she will receive the same evaluation, credit terms or conditions from each lender. Also, CreditXpert Inc. is not connected in any way to Fair Isaac Corporation; the CreditXpert Credit Score is not a so-called FICO® score. CreditXpert Inc. does not represent that CreditXpert Credit Scores are identical or similar to any specific credit scores produced by any other company. Moreover, score changes predicted by CreditXpert products are only estimates. CreditXpert Inc. does not guarantee that credit scores from any other company will change by the same number of points, if at all.

Also, CreditXpert Inc. does not represent that potential problems found by its software in credit reports are real, or that correcting such items will result in changes to credit scores. Furthermore, CreditXpert Inc. provides information to help consumers make their own decisions; it does not advise anyone to dispute any item in his or her credit report. Moreover, CreditXpert products do not change any information in any credit report, nor do they initiate any disputes on anyone's behalf.

THE FOREGOING INFORMATION IS NOT INTENDED TO PROVIDE OR IMPLY WARRANTIES OF ANY KIND. CREDITXPERT PRODUCTS ARE PROVIDED ON AN "AS IS" BASIS, AND CREDITXPERT INC. AND ITS SUPPLIERS DISCLAIM ANY AND ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, SYSTEM INTEGRATION, NON-INTERFERENCE AND/OR ACCURACY OF INFORMATIONAL CONTENT.

Copyright © 2000-2005, CreditXpert Inc. All rights reserved.
CreditXpert® is a registered trademark of CreditXpert Inc.

TRADEMARK AND COPYRIGHT

Citi is a registered service mark of Citigroup. Intersections and Notify Express are trademarks or registered trademarks of Intersections Inc. The following are trademarks of third parties: Equifax is a registered trademark of Equifax, Inc.; CreditXpert is a trademark of CreditXpert, Inc.; and other trademarks are trademarks of their respective owners.

© 2004 Citibank, N.A.
© 2004 Citibank USA, N.A.
© 2004 Intersections Inc.

IMPORTANT INFORMATION ON REGULATIONS

The Fair Credit Reporting Act (FCRA) grants consumers important rights regarding consumer credit, credit files and related matters. Your specific rights are summarized below. You may have additional rights under state law.

  • You must be told if information in your file has been used against you. Anyone who uses information from a consumer reporting agency to deny your application for credit, insurance, or employment -- or take another adverse action against you -- must tell you and give you the name, address, and phone number of the agency that provided the information.
  • You can find out what is in your file. At any time, you may request and obtain your report from a consumer reporting agency. You are entitled to free reports if a person has taken adverse action against you because of information in a report; if you are the victim of identify theft or fraud; if you are on public assistance; or if you are unemployed but expect to apply for employment within 60 days. In addition, you are entitled to one free report every 12 months from each of the nationwide credit reporting agencies and from some specialized consumer reporting agencies. You may request your report beginning on December 1, 2004, or on a later date, depending on where in the country you live.
  • You have a right to know your credit score. For a fee, you may request your credit score. In some mortgage transactions, you will receive credit score information without charge.
  • You can dispute inaccurate information with the consumer reporting agency. If you tell a consumer reporting agency that your file has inaccurate information, the agency must take certain steps to investigate unless your dispute is frivolous.
  • Inaccurate information must be corrected or deleted. A consumer reporting agency or furnisher must remove or correct information verified as inaccurate, usually within 30 days after you dispute it. However, a consumer reporting agency may continue to report negative data that it verifies as being accurate.
  • Outdated negative information may not be reported. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
  • Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need as determined by the FCRA -- usually to consider an application with a creditor, insurer, employer, landlord, or other business.
  • Identity theft victims and active duty military personnel have additional rights. Victims of identity theft have new rights under the FCRA. Active-duty military personnel who are away from their regular duty station may file "active duty" alerts to help prevent identity theft.

For more information, visit www.ftc.gov/credit, or write to: Consumer Response Center, Federal Trade Commission, 600 Pennsylvania Ave. N.W., Washington, D.C. 20580.

This product or service is not intended to substitute for the disclosures required by the credit reporting agencies and their laws.

The FCRA gives several federal agencies authority to enforce the FCRA:

TO COMPLAIN AND FOR INFORMATION: PLEASE CONTACT:
Consumer reporting agencies, creditors and others not listed below Federal Trade Commission
Consumer Response Center - FCRA
Washington, DC 20580 1-877-382-4357 (Toll-Free)
National banks, federal branches/agencies of foreign banks (word "National" or initials "N.A." appear in or after bank's name) Office of the Comptroller of the Currency
Compliance Management, Mail Stop 6-6
Washington, DC 20219 800-613-6743
Federal Reserve System member banks (except national banks, and federal branches/agencies of foreign banks) Federal Reserve Board
Division of Consumer & Community Affairs
Washington, DC 20551 202-452-3693
Savings associations and federally chartered savings banks (word "Federal" or initials "F.S.B." appear in federal institution's name) Office of Thrift Supervision
Consumer Complaints
Washington, DC 20552 800-842-6929
Federal credit unions (words "Federal Credit Union" appear in institution's name) National Credit Union Administration
1775 Duke Street
Alexandria, VA 22314 703-519-4600
State-chartered banks that are not members of the Federal Reserve System Federal Deposit Insurance Corporation
Consumer Response Center
2345 Grand Avenue, Suite 100
Kansas City, Missouri 64108-2638
1-877-275-3342
Air, surface, or rail common carriers regulated by former Civil Aeronautics Board or Interstate Commerce Commission Department of Transportation
Office of Financial Management
Washington, DC 20590 202-366-1306
Activities subject to the Packers and Stockyards Act, 1921 Department of Agriculture
Office of Deputy Administrator - GIPSA
Washington, DC 20250 202-720-7051

NOTICE TO ILLINOIS RESIDENTS: MANY GOVERNMENT RECORDS ARE AVAILABLE FREE OR AT A NOMINAL COST FROM GOVERNMENT AGENCIES. CREDIT REPORTING AGENCIES ARE REQUIRED BY LAW TO GIVE YOU A COPY OF YOUR CREDIT RECORD UPON REQUEST AT NO CHARGE OR FOR A NOMINAL FEE.

MA, VT, CO, MD, ME and NJ permit consumers to obtain one credit file per credit reporting agency per year, free of charge.

GA permits consumers to obtain two credit files per credit reporting agency per year, free of charge.

The Equal Credit Opportunity Act entitles you to be considered for credit regardless of race, color, age, sex, or marital status. The Act does not guarantee you will get credit; it ensures that the credit grantor must apply tests of creditworthiness impartially.

The Truth in Lending Act says that credit grantors must reveal the true cost of using credit; for example, they must disclose the annual interest rate you will be paying. In the case of a revolving credit card account, you must be told the periodic interest rate and the minimum monthly payment.

The Fair Debt Collection Practices Act protects you against threats from a debt collector and states that debt collection agencies must provide verification of any amount owed.

The Fair Credit Billing Act states that if you believe a bill you have received is in error, you may notify the creditor in writing within 60 days. The creditor must either correct the bill or send you an explanation within 90 days.