IMPORTANT: TO ENROLL YOU MUST CONSENT TO RECEIVE NOTICES AND INFORMATION ABOUT THE SERVICE ELECTRONICALLY. YOU MUST HAVE THE ABILITY TO RECEIVE AND RETAIN ELECTRONIC COMMUNICATIONS BEFORE YOU ACCEPT THESE TERMS AND CONDITIONS.

1. Scope

These terms describe terms and conditions for conducting funds transfers to make deposits or loan payments between eligible accounts held with Citibank N.A. (Citibank”) and funds transfers between eligible accounts held with Citigroup Global Markets Inc. (CGMI), collectively Citi, and enrolled in the service (each, an Eligible Citi Account) and such eligible consumer accounts held by the same Citi client with external financial institutions (each, a Verified Account) using Citi Online (the Service). Citi generally uses the ACH Network to execute transfers.

2. Definitions

a. ACH Network means the funds transfer system, governed by the NACHA Rules that provides funds transfer services to participating financial institutions.

b. ACH Rules means the NACHA Operating Rules and NACHA Operating Guidelines, as in effect from time to time.

c. Business Day means any day that is not a Saturday, Sunday, or U.S. bank holiday.

d. I, me and my refers to the Citi client holding the Eligible Citi Account.

e. NACHA means the National Automated Clearinghouse Association.

3. Transfer Authorization

I authorize Citi to debit my Eligible Citi Account(s) for any request to transfer to a Verified Account and to request a transfer from a Verified Account to my Eligible Citi Account, including any related fee, subject to any applicable limit as to dollar amount, time delays to complete transfers when my transfer requests are made in accordance with the procedures established by Citi for my Eligible Citi Account, which proceeds may differ depending on the type of Eligible Citi Account. I understand and acknowledge that Citi has no obligation to execute any request for a transfer that is not initiated in accordance with such procedures.

For CGMI transfers, I (we) also hereby authorize Pershing LLC ( Pershing) as clearing firm for my Citigroup Global Markets Inc. account(s), to initiate credit/debit entries to the bank/credit union account indicated and further authorize my (our) bank/credit union to debit the same to such account(s). This authority is to remain in full force and effect until Pershing has received notification from me of its termination in such time and in such manner as to afford Pershing and my bank/credit union a reasonable opportunity to act on it.

4. Information Relied Upon by Citi

I acknowledge and agree that Citi is relying upon the information I provide in originating a transfer on my behalf. Any errors in the information, including incorrect or inconsistent account names and numbers or the ABA number or name of the financial institution holding my Verified Account are my responsibility. Although I represent and warrant to you that I am the owner of each Verified Account and describe it to you by name and account number (or any other number), I understand and agree that if transfer instructions identify a Verified Account by name and account number, the relevant financial institution may execute those instructions by reference to the account number only, even if such number does not correspond to the name. I understand that financial institutions holding my Verified Accounts may not investigate discrepancies between names and numbers. In addition, I agree that Citi has no responsibility to investigate discrepancies between names and account numbers.

5. Verification of Accounts at Other Financial Institution

After enrolling in the Service and providing any additional information requested by Citi, I may add eligible consumer accounts that I hold at other financial institutions (each, a "Third-Party Account") using one of the following verification methods. If the verification process is successful, the Third-Party Account will be considered a Verified Account and eligible for use with the Service. I understand that my ability to add or use a Third-Party Account, including the verification criteria used, is subject to Citi’s sole and absolute discretion.

Online Verification. If my Third-Party Account is accessible online, I can authorize Citi to validate the account by providing my online access credentials for that account.
Manual Verification. I can manually enter the external account number and routing number for my Third-Party Account.

6. Cutoff Times; Transfer Limits

Cutoff Times*
Same day ACH - Instructions received before12:30 PM ET
Next day ACH - Instructions received after 12:30 PM ET

Transfer Limits**
Citibank Limits
Inbound monthly - $100,000 Tenured*** $15,000 Untenured
Inbound daily - $100,000 Tenured*** $10,000 Untenured
Outbound monthly - $50,000 Tenured*** $15,000 Untenured
Outbound daily - $25,000 Tenured*** $10,000 Untenured

CGMI Limits****
Inbound monthly - no limit
Inbound daily - $500,000
Outbound monthly - no limit
Outbound daily - $500,000

*The times shown here affects when your transfer request will be executed. Transfers will be executed on the Business Day requested if your instructions are entered before the cutoff time shown. Transfers are subject to applicable limits.
**Monthly limits are measured on a rolling 30 calendar day basis.
***Customer has one or more Citi consumer accounts open for at least 91 days; credit card or first mortgage accounts are not included. Based on those accounts linked to online profile used with IIT service.
****These limits apply to ACH transactions for your CGMI account which use this service.

We may permit transfers in excess of these stated limits from time to time based on our risk and security factors. We may also deny or limit specific transfers if we have any reason to question the authorization for, or security of, the transaction. Availability of transfers are subject to the policies of the external financial institution where your Verified Account is held.

7. Service Fees and Charges

I authorize Citi to charge my Eligible Citi Account (or any other of my accounts at Citi) for any service fees and charges applicable to transfers requested in accordance with Citi's applicable fee schedule for my Eligible Citi Account in effect at the time I make a transfer request. Fees may be charged by my external financial institution and are beyond Citi's control.

8. Execution of a Request for a Transfer

Transactions will be processed on the current Business Day if my request is received by the cut-off time described in Section 6.

If my request is received on a non-Business Day, the transaction will be processed on the next Business Day.

9. Actions Taken Upon an Unsuccessful Transfer

If a requested Citibank funds transfer cannot be completed, I will be notified by email. Citi is authorized to credit or direct debit my external account to reverse the transaction.

10. Rejection of a Transfer Request

Citi reserves the right to reject my funds transfer request. Citi may reject my request if the amount of one or more of my transfer requests exceed my daily or thirty (30) day rolling transfer limit as described in Section 6, if I have insufficient available funds in my Eligible Citi Account for the amount of the transfer, if my request is incomplete or unclear, if Citi identifies a security risk related to a requested transfer or if Citi is unable to fulfill my request for any other reason.

11. Cancellations or Amendments of a Transfer Request

I may cancel or amend a funds transfer request only if Citi receives my request prior to execution of the funds transfer request and at a time that provides Citi with a reasonable opportunity to act upon that request. I can cancel my transfer on Citi Online or by telephone:
Citibank: at 1-800-374-9700 (TTY 1-877-693-0372)
CGMI: at 1-877-693-4543 (TTY 1-800-788-6775)
If my funds transfer request has been executed by Citi, I understand and agree that the request to cancel or amend the funds transfer is not possible

12. Additional Terms for Using the Service to Make a Citibank Personal Loan Payment

I may use the Service to make a one-time payment to my Citibank Personal Loan; recurring payments are not permitted. All payments are subject to the terms of my Personal Loan Note.

Payments made after 12:30PM ET, or on a weekend/holiday, will be credited to my loan balance as of the next Business day. Payments made prior to 12:30PM ET on a Business Day will be credited to my loan balance as of that day. Payments can take up to three Business Days to appear on Citi Online. Payments must be credited by the due date to avoid being considered late.

Payments scheduled on a weekend/holiday will be credited to my loan balance as of the next Business Day. Payments scheduled on a Business Day will be credited to my loan balance as of that day. Payments can take up to three Business Days to appear on Citi Online. Payments must be credited by the due date to avoid being considered late.

13. Transfers Subject to the Rules of the Verified Accounts

All funds transfers are subject to the rules and regulations governing the applicable Verified Account. I agree not to request any transfers from or to Verified Accounts that are not allowed under the rules or regulations applicable to such accounts.

14. Delays, Non-Execution of Funds Transfer Request

I agree that Citi shall not be responsible for any delay, failure to execute, or miss-execution of my funds transfer request due to circumstances beyond Citi's reasonable control - including, without limitation, any inaccuracy, interruption, delay in transmission, or failure in the means of transmission of my funds transfer request to the bank or execution of such request by the bank or its affiliates, whether caused by strikes, power failures, equipment malfunctions, or acts or omissions of any intermediary bank or beneficiary bank. CITI AND ITS THIRD-PARTY SERVICE PROVIDERS AND CLEARING BROKERS, AS APPLICABLE MAKES NO WARRANTIES, EXPRESS OR IMPLIED - INCLUDING THE FAILURE OF ANY INTERMEDIARY BANK OR BENEFICIARY BANK TO CREDIT MY BENEFICIARY WITH THE AMOUNT OF THE FUNDS TRANSFER AFTER RECEIPT OF SAME WITH RESPECT TO ANY MATTER.

15. Unauthorized Transfers

I understand that if I think that my Citibank Banking Card has been lost or stolen, someone else has learned my access credentials for online banking or an unauthorized transfer or other type of online transaction has been made from one of my accounts, I must notify you immediately:
Citibank: at 1-800-374-9700 (TTY 1-877-693-0372) or, if I am unable to telephone you by writing to: Citibank, P.O. Box 769004, San Antonio, TX 78245-9989. By providing such prompt notice, I may limit my personal liability for unauthorized transfers as more fully described in the "Lost or Stolen Citibank Banking Cards and Unauthorized Electronic Transactions" section of my Client Manual-Consumer Accounts and Marketplace Addendum or Consumer Deposit Account Agreement, as applicable to my account.
CGMI: at 1-877-693-4543 (TTY 1-800-788-6775) or, if I am unable to telephone you by writing to: Citigroup Inc., P.O. Box 310, New York, NY 10008-0310.

16. Significance of E-Mail Notices

I agree that all e-mail notices sent to me regarding status of my transfer requests are simply service messages and will not constitute a transaction receipt or an official bank or other record with respect to a transfer.

17. Means of Transfer

I understand that Citi uses a variety of banking channels and facilities to make funds transfers but will ordinarily use the ACH Network. Citi may choose any reasonable means that Citi considers suitable to complete a transfer. I agree to be bound by the rules and regulations that govern any applicable funds transfer systems, including, but not limited to, the ACH Network, NACHA, Federal Reserve System and Clearing House Interbank Payment System (CHIPS).

18. Claims; Limitation of Liability; No Warranty

I agree that within thirty (30) days after I receive notification that my transfer request has been executed, I will inform Citi of any errors, delays, or other problems related to my request. If my funds transfer request is delayed or erroneously executed as a result of Citi's and its third-party service providers and clearing brokers for my account, as applicable, error, Citi's and its third-party service providers and clearing brokers for my account, as applicable, sole obligation to me is to pay or refund such amounts as may be required by applicable law. Any claim for interest payable by Citi shall be at Citibank's published savings or money market account annual percentage yield in effect within the applicable Citibank's Rate Region associated with my Eligible Citi Account.

I AGREE THAT CITI AND ITS THIRD-PARTY SERVICE PROVIDERS AND CLEARING BROKERS, AS APPLICABLE SHALL NOT BE LIABLE FOR ANY COSTS, FEES, LOSSES OR DAMAGES OF ANY KIND INCURRED AS A RESULT OF (1) MY GRANTING YOU AUTHORITY TO VERIFY A THIRD PARTY ACCOUNT; (2) YOUR DEBIT AND/OR CREDIT OF A VERIFIED ACCOUNT OR YOUR INABILITY TO DEBIT AND/OR CREDIT SUCH ACCOUNT(S) IN ACCORDANCE WITH MY TRANSFER INSTRUCTIONS; (3) ANY INACCURATE OR INCOMPLETE INFORMATION RECEIVED FROM ANOTHER FINANCIAL INSTITUTION IN CONNECTION WITH VERIFYING A THIRD PARTY ACCOUNT OR EXECUTING A TRANSFER WITH A VERIFIED ACCOUNT; (4) ANY CHARGES IMPOSED BY THE FINANCIAL INSTITUTION HOLDING A VERIFIED ACCOUNT; AND (5) ANY TRANSFER LIMITATIONS SET BY A FINANCIAL INSTITUTION HOLDING A VERIFIED ACCOUNT. IN NO EVENT SHALL CITIBANK BE RESPONSIBLE FOR ANY INCIDENTAL OR CONSEQUENTIAL DAMAGES OR EXPENSES ARISING IN CONNECTION WITH MY IIT TRANSFER REQUEST.

EXCEPT AS MAY BE EXPRESSLY SET FORTH IN THIS AGREEMENT, CITI AND ITS THIRD-PARTY SERVICE PROVIDERS AND CLEARING BROKERS, AS APPLICABLE, HEREBY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT OF INTELLECTUAL PROPERTY OR THIRD-PARTY RIGHTS.

19. Arbitration of Disputes

I understand and agree that, to the extent authorized in the section of the Citibank Client Manual– Consumer Accounts and Marketplace Addendum or Consumer Deposit Account Agreement, as applicable to my account – entitled "Resolution of Disputes by Arbitration", any dispute arising from a transfer request to or from my Eligible Citibank Account will be resolved by binding arbitration.
Further, for CGMI Accounts, I understand and agree that, to the extent authorized in the section of the CGMI Client Agreement for my CGMI account entitled Arbitration, any dispute arising from a transfer request to or from my CGMI Account will be resolved by binding arbitration as described in such Client Agreement which contains a pre-dispute arbitration clause in Section 6 or such section entitled Arbitration as amended.

20. Amendments

Citi reserves the right to change the terms and conditions of this Agreement as required by law or bank policy. Unless otherwise required by law, Citi may amend this Agreement without prior notice to me. If Citi chooses to notify me of an amendment or is required to do so by law, I may be asked to agree to an amended version of this Agreement electronically, or Citi may mail or deliver a separate notice, statement message or electronic message to me at any email address I have provided to Citi.

21. Governing Law

This Agreement shall be governed by federal law and, where not in conflict with or preempted by federal law, for my Eligible Citibank Account the laws of the state in which my Eligible Citibank Account is located and for my Eligible CGMI Account such applicable law as stated in the Client Agreement for such account.

Electronic Consent and Acceptance of Terms and Conditions

In order to use the Service, I must provide my consent to receive and accept the terms and conditions of these terms and conditions, and any amendments to them, electronically. A record of each funds transfer request will be made available to me electronically at the time each transfer is requested and in summary form as part of the periodic statement for my Eligible Citibank Account to or from which the transfer is requested. I understand and agree that Citi reserves the right to provide any such notices to me in paper form. I may withdraw my consent to having this information provided to me electronically by contacting you by telephone:
Citibank: at 1-800-374-9700 (TTY 1-877-693-0372)
CGMI: at 1-877-693-4543 (TTY 1-800-788-6775)
However, by doing so I understand that I will terminate my right to use the Service. Withdrawing my consent in this manner will not prevent me from re-enrolling in the Service.

Required Hardware and Software. In order to use the Service and to view and retain a copy of these terms and conditions, I understand that I must have a personal computer or mobile device equipped with at least: a browser with 128-bit encryption; an internet connection; and systems capability to view, print or save files in PDF format using Adobe Acrobat or similar software.

Consent and Agreement. I agree: (1) that I have the hardware, software and systems capability that satisfies the above requirements; (2) that I will receive information about the Service, including the Agreement and any subsequent amendments to it, electronically; and (3) that I have received an electronic version of these terms and conditions and agree to be bound by them.

TIMING OF TRANSFER*	Same day ACH – Instructions received before 12:30 PM ET Next day ACH – Instructions received after 12:30 PM ET
TRANSFER LIMITS**	Inbound monthly – $100,000 Tenured** $15,000 Untenured Inbound daily – $100,000 Tenured $10,000 Untenured Outbound monthly – $50,000 Tenured $15,000 Untenured Outbound daily – $25,000 Tenured** $10,000 Untenured