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Terms:

To qualify for 40,000 ThankYou® Points, open a new regular checking account in the Citigold® Account Package or to qualify for 20,000 ThankYou Points, open a new regular checking account in The Citibank® Account Package by 12/31/2011 and within 45 days after account opening enroll the new checking account in Citi ThankYou Rewards. Also within 45 days after account opening, complete 1 direct deposit AND complete 1 electronic bill payment from the checking account for 2 consecutive months. Qualifying bill payments are those using Citibank® Online, Citi Mobile or CitiPhone Banking®. A bill that is paid by making a transfer between linked accounts and/or transfer payments made to accounts within Citibank or to accounts with Citibank affiliates does not qualify as a bill payment for this offer.

Offers for new checking customers only, 18 years or older. All accounts subject to approval and applicable terms and fees. Offers may be modified or withdrawn at any time without notice, expire 12/31/2011, are not transferable and cannot be combined with any other offer. Limit one offer per customer. Separate enrollment of eligible checking account in Citi ThankYou Rewards required. Citi ThankYou Rewards enrollment and participation are subject to terms, conditions, and restrictions and limited to customers who are either citizens or resident aliens of the United States (U.S.) with a valid U.S. taxpayer identification number. Value of rewards from redeemed Points will be reported to the IRS as miscellaneous income on Form 1099-MISC, as required by applicable law. Customer is responsible for any taxes. The bonus ThankYou Points will be credited to your ThankYou Member Account within 90 days from the end of the statement period in which you satisfy all offer requirements. New checking account in the Citigold or Citibank Account Package must be open and in good standing at the time the bonus ThankYou Points are posted to your ThankYou Member Account.