AT&T Points Plus Card

“…his is not intended to be a complete summary of the Card Agreement s contents, and we encourage you to read your entire Card Agreement, including the arbitration provision, before you use your Account. 1 DEFINITIONS Lists the meanings of particular phrases and terms used in the Card Agreement. 2 YOUR ACCOUNT Describes s…”

“…tage Rates and certain fees. Any amendments to this Agreement also are part of this Agreement. Please read all parts of this Agreement, including the arbitration provision, and keep it for your records. DEFINITIONS Account Your credit card account. Adjusted New Balance The New Balance, minus any Reduced Rate Credit Plan…”

“…tage Rates and certain fees. Any amendments to this Agreement also are part of this Agreement. Please read all parts of this Agreement, including the arbitration provision, and keep it for your records. DEFINITIONS Account Your credit card account. Adjusted New Balance The New Balance, minus any balance subject to the P…”

“…ual basis Claims brought against you, including Claims to collect a debt. Claims brought as part of a class action, private attorney general or other representative action can be arbitrated only on an individual basis. The arbitrator has no authority to arbitrate any claim on a class or representative basis and may awar…”

“…compiles credit information for the purpose of generating consumer credit reports. It s also known as a credit bureau and a credit reporting agency. Deferred Interest Promotion See the Promotions section of the Agreement. include and including These terms mean include [or including] without limitation. Late Payment…”

“…h the highest APR, then to the balance with the next highest APR, and so on. However, payments in excess of the Minimum Payment Due received before a Deferred Interest Promotion expires are applied to the Deferred Interest Promotion balance first in the last two Billing Cycles of the promotional period or in the las…”

“…your other rights or responsibilities under this Agreement, including use of the Account. 12 AGREEMENT & BENEFIT CHANGES Changes to this Agreement We may change this Agreement for any reason and at any time, subject to applicable law. This means that we can change rates and fees that apply to your Account. It also means we can add, replace or remove prov…”

“…t your other rights or responsibilities under this Agreement, including use of the Account. AGREEMENT & BENEFIT CHANGES Changes to this Agreement. We may change this Agreement for any reason and at any time, subject to applicable law. This means that we can change rates and fees that apply to your Account. It also means we can add, replace or remove prov…”

“…en we take the U.S. Prime Rate from the WSJ. The new APR will apply to existing balances, as well as balances added to your Account after the change. Penalty APR If you have a Late or Returned Payment, we may apply a penalty APR to your Account. We determine your penalty APR based on your creditworthiness. con…”

“…e Prime Rate. APR for Citi Flex Plans 19.49% to 29.49%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate. Penalty APR and When Up to 29.99%, based on your creditworthiness. This APR will vary with It Applies the market based on the Prime Rate. This APR may be applied…”

“…as well as balances added to your Account after the change. continued on next page 2 Section 3 ANNUAL PERCENTAGE RATES & INTEREST CHARGES (continued) Penalty APR If you have a Late or Returned Payment, we may apply a penalty APR to your Account. We determine your penalty APR based on your creditworthiness. Pen…”

“…be amended, severed or waived, except as provided in this Agreement or in a written agreement between you and us. continued on next page 9 Section 11 ARBITRATION (continued) Rules for rejecting this arbitration provision You may reject this arbitration provision by sending a written rejection notice to us at: PO Box 6195; Sioux Falls, SD…”

“…tration provision may not be amended, severed or waived, except as provided in this Agreement or in a written agreement between you and us. Rules for rejecting this arbitration provision You may reject this arbitration provision by sending a written rejection notice to us at: P.O. Box 790340, St. Louis, MO 63179. Your rej…”

“…n 11 ARBITRATION (continued) amended, severed or waived, except as provided in this Agreement or in a written agreement between you and us. Rules for rejecting this arbitration provision You may reject this arbitration provision by sending a written rejection notice to us at: PO Box 790085; St. Louis, MO 63179-0085. Your…”