Citi® Identity Theft Solutions Also known as identity fraud, identity theft happens when someone uses another person's personal information to commit theft. This information may be as simple as a name, address and date of birth, or as detailed as a Social Security number, or a mother's maiden name. Identity thieves use this information to open credit card accounts, obtain loans, drain bank accounts and more. This rapidly growing crime affects more and more people every day. That's why we created Citi® Identity Theft Solutions to help you resolve the matter and get your life back on track. Fraud Early Warning We understand how important security is when it comes to your credit card. That's why we've established Fraud Early Warning. If we notice any unusual activity on your account, we'll contact you to verify the charges. If you believe your account may have been used fraudulently, please call us at 1-800-950-5114. $0 Liability on Unauthorized Charges Shop anywhere and never lose a penny on unauthorized charges. With $0 Liability you won't pay for any unauthorized charges made on your Citi credit card. The Lost Wallet Service If your Citi card is lost or stolen, call us at 1-800-950-5114. We'll issue a new card at no cost. We'll also provide you with emergency cash and information to help you replace important documents. Emergency Card replacement outside the continental U.S. may take a minimum of 48 hours. There may be a service fee associated with a request for 24 hour card replacement.

Our Privacy Notice At account opening, and each year, we send customers an updated copy of Our Privacy Notice that applies to their particular credit card account. To request a copy at any time, call us toll free at the Customer Service number shown on your billing statement or printed on the back of your credit card. Our Privacy Notice below applies to all consumer accounts and to the following business accounts: CitiBusiness® Card, Citi® Platinum Select® / AAdvantage® Business Card, KeyBank Business MasterCard, KeyBank Business MasterCard with Rewards and oil commercial cards. About this Notice This notice tells you how we collect, handle, and disclose personal information about you. If you want to limit our disclosing this information, you may call us toll free at the Customer Service number shown on your billing statement or printed on the back of your credit card or send in the Privacy Choices Form that you will receive as part of your paper privacy notice that we provide at account opening and annually to customers. If you are a joint account holder, we will accept instructions from either of you and apply them to the entire account. This notice applies to both current and former customers. We may change this notice from time to time. If we do, we will notify you as required by applicable law. This notice applies to information that identifies you personally. We may use information which does not personally identify you to help manage our businesses and to develop products that provide us, our affiliates, and other companies insight into consumer spending behavior.

Personal Information We Collect and May Disclose The personal information we collect about you comes from the following sources: Information we receive from you, such as your name, address, and     telephone number, Information about your transactions, such as your account balances,     payment history, and account activity, and Information we receive from consumer reporting agencies and other     sources, such as your credit bureau reports and other information relating     to your creditworthiness. We may disclose any of the above information that we collect to affiliates and nonaffiliated third parties as described below.

Affiliates to Whom We May Disclose Personal Information Our affiliates are the family of companies controlled by Citigroup. Affiliates to whom we may disclose personal information about you are in several different businesses, including banking, credit cards, consumer finance, insurance, and securities. Our affiliates include those doing business under the names CitiFinancial, CitiMortgage, Smith Barney, and Primerica.

Nonaffiliated Third Parties to Whom We May Disclose Personal Information Nonaffiliated third parties are those not part of the family of companies controlled by Citigroup. We may disclose personal information about you to the following types of nonaffiliated third parties: Financial services providers, such as companies engaged in banking,     credit cards, consumer finance, securities, and insurance, and Non-financial companies, such as companies engaged in direct marketing      and the selling of consumer products and services. If you fill in Box 1 on the Privacy Choices Form, or call Customer Service to make this election, we will not make these disclosures except as follows. First, we may disclose information about you as described above in 'Personal Information We Collect and May Disclose' to third parties that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. Second, we may disclose personal information about you to third parties as permitted by law, such as disclosures necessary to process and service your credit card account, to protect against fraud, and to protect the security or confidentiality of our records.

Your Privacy Choices This section describes your privacy choices. Please remember that we will continue to protect personal information about you regardless of your privacy choices. Disclosing to Nonaffiliated Third Parties (Box 1) As described in this notice, we will limit the personal information about you that we disclose to nonaffiliated third parties if you fill in Box 1 on the Privacy Choices Form or call Customer Service to make this election. Sharing with Citigroup Affiliates (Box 2) Our ability to share information with our affiliates helps us to more easily provide you with quality products and services to meet your financial needs and goals. The law allows us to share with our affiliates any information about our transactions or experiences with you. Unless otherwise permitted by law, we will not share with our affiliates other information that you provide to us or that we obtain from third parties (for instance, credit bureaus) if you fill in Box 2 on the Privacy Choices Form or call Customer Service to make this election. Information for Vermont and California Customers In response to a Vermont regulation, we will automatically treat accounts with Vermont billing addresses as if you filled in Box 1 and Box 2 on the Privacy Choices Form. And if we disclose information about you to nonaffiliated third parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact information, and information about our transactions or experiences with you. In response to a California law, we will automatically treat accounts with California billing addresses as if you filled in Box 1 on the Privacy Choices Form and will not disclose personal information about you to nonaffiliated third parties except as permitted by the applicable California law. We will also limit the sharing of information about you with our affiliates to comply with all California privacy laws that apply to us. To further restrict sharing with affiliates as described in this notice, you can fill in Box 2 on the Privacy Choices Form or call Customer Service to make this election. Internet Privacy We want you to understand what personally identifiable information ('personal information') is collected through this website and how it may later be disclosed. You can visit this site and find out about our products and services, read our corporate reports, check on career opportunities, or use other value-added services without giving us any information about yourself. Citi does not collect information from non-customers other than applicants for our cards products. If you are a customer, details about the information we collect and how it may be disclosed are contained in Our Privacy Notice, which includes additional information regarding your Privacy Choices. Customers may review and change contact information such as address, phone and email information by signing on and updating their personal profile. Additionally, customers and non-customers who receive promotional messages about our products and services may elect not to receive ("opt out" of) further messages. If you opt out from receiving these messages, we will retain your email address solely for the purposes of facilitating your request. If you wish to review information provided on online applications, you can contact us to request a copy of the personal account information you provided through our customer service numbers. There may be a charge for certain information that is requested. To protect your privacy, proof of identity or other authentication is required. In order to provide better service, we may use "Cookies" which may be set by another company for us. A cookie is a small piece of information that a Web site stores on your Web browser that can later be retrieved and read only by the same site. We use cookies for administrative purposes and to enhance your online experience. For example, we may use cookies to track the number of visitors to our site or to enable us to present rotating information to you at our site. You can set up your web browser to inform you when cookies are set or to prevent cookies from being set. From time to time, we may change this Internet Privacy Policy. The effective date of this policy, as stated below, indicates the last time this policy was revised or materially changed. Checking the effective date below allows you to determine whether there have been changes since the last time you reviewed the policy.