Basic Banking Package Fact Sheet

For additional details, please view your Client Manual — Consumer Accounts

and Marketplace Addendum.

Fees and services are subject to change.

Basic Banking Package

Overview The Basic Banking Package may be opened with either a Regular Checking account,

Savings or Money Market account. Only one Regular Checking account can be

included in any Basic Banking Package.

Minimum Deposit • No minimum deposit is required to open an account

What Type of Accounts

Can Be Included

• Deposits: Regular Checking (Non-Interest Regular Checking), Savings accounts,

Money Market accounts

Member FDIC Your deposits are insured by the Federal Deposit Insurance Corporation (FDIC) up to

the maximum allowed by law.

Basic Banking Fees and Account Services

Basic Banking Package that includes a Regular Checking Account

Monthly Service Fee

$12 The Basic Banking Package Monthly Service Fee is waived if one of the

following conditions is met:

1 Enhanced Direct Deposit

is credited to a Regular Checking, Savings or

Money Market account in a Basic Banking Package and 1 qualifying Bill

Payment

posted to a Regular Checking account in the Basic Banking

Package during the statement period. OR

The combined average monthly balance in qualifying linked deposit

accounts

is $1,500 or more for the calendar month prior to the last

Business Day of your statement period.

Non-Citibank ATM Fee $2.50 Per withdrawal.

Fees charged to you by other institutions for transactions on non-Citibank

ATMs are beyond Citibank’s control and are in addition to the fees listed

here. If you are charged a fee for the use of a Proprietary Citibank ATM,

please contact us for a full refund.

Basic Banking Package that includes a Savings or Money Market account ONLY

Monthly Service Fee $4.50 Fee waived when the average monthly savings balance is $500 or more.

Non-Citibank ATM Fee $2.50 Per withdrawal.

Fees charged to you by other institutions for transactions on non-Citibank

ATMs are beyond Citibank’s control and are in addition to the fees listed

here. If you are charged a fee for the use of a Proprietary Citibank ATM,

please contact us for a full refund.

Overdraft Protection Transfer Services

Safety Check Safety Check covers overdrafts by transferring funds from your linked Money Market

or Savings account.

Checking Plus®

(variable rate) Line

of Credit

Checking Plus is a revolving personal line of credit account linked to your Citibank

Checking account that provides overdraft protection.

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Other Fees and Charges

Stop Payment Request $30 Per item you ask to stop payment on.

Fee applies on Personal Checks, Official Checks, and Money Orders.

Wire Transfer Fees The listed fee refers only to fees charged by Citibank and is not a

representation of potential fees imposed by other banks. Please refer to

the documentation provided at the time of your transaction for information

regarding applicable fees.

• $15 for Incoming Domestic and International

• $25 for Outgoing Online Domestic

5, 8

• $35 for Outgoing Domestic — Other Channels

• $35 for Outgoing Online International (U.S. Dollars)

5, 8

• Waived for Outgoing Online International (Foreign Currency)

5, 8

• $45 for Outgoing International — Other Channels

Withdrawal Limitations

ATM Withdrawal Limit $1,500 per Citibank® Banking Card, per Business Day

PIN and Signature

Based Purchases

• Signature Based Purchase Limit: $5,000 per account per Business Day

• PIN Based Purchase Limit: $5,000 per account per Business Day

Citibank® Global

Transfer Service Limits

for Account

to Account Transfers

• Citibank Online: $50,000

• Citi Mobile®: $50,000

• Proprietary Citibank ATM: $50,000

• Weekly Limit: $50,000

Transaction Processing Order

First Deposits made before the cut-off time are added to your account balance.

Second Fees for services we provide.

Third Transactions received real-time during the day are deducted as they occur if there

is a sufficient available balance in the account to pay for the transaction and any

associated fee. Example: ATM, debit PIN or teller withdrawals including cashed

checks; transfers or Citibank® Online bill payments initiated by you, debit card

purchases at a merchant and most ACH debits

that we receive throughout the day.

Fourth Checks presented for payment and any ACH debit not deducted during the day are

deducted from your remaining available balance in the order of lowest to highest

dollar amount.

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Funds Availability

If a longer delay is placed on your deposit, we will tell you when you make the deposit, and the first $225 of your

deposit will be made available the next Business Day after the Business Day of Deposit. If your deposit is not

made directly with a teller, or if we decide to place a longer delay on your deposit after you have left the branch,

we will mail you the notice by the next Business Day.

Cash Deposit with

Teller

Generally available immediately on the same Business Day of deposit

Cash Deposit at ATM Generally available immediately, but no later than the next Business Day after the

Business Day of deposit

Check Deposit with

Teller

Generally available no later than the next Business Day after the Business Day of

deposit

Direct Deposit Available same Business Day of deposit

Wire Transfer Available same Business Day of deposit

Check Deposits at

Proprietary Citibank

ATMs

Generally available no later than the next Business Day after the Business Day of

deposit

Check Deposits made

via the Mobile Check

Deposit Service

Funds from check deposits you make using the Mobile Check Deposit service is

subject to the funds availability policy set forth in the User Agreement governing

that service. Please refer to that Agreement for a description of the policy

A “Business Day” is any day of the week that is not a Saturday, Sunday, or bank holiday. The end of

“Business Day” is posted at each branch and will vary by location.

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Footnotes:

Deposit accounts are subject to service, transaction or other fees not covered by the Monthly Service Fee. For a

complete list of applicable fees by product and banking package, please visit Consumer Deposit Account Agreements.

Please also carefully review any fee disclosures provided at the time of a transaction or when a service is provided, such

as when you open a Safe Deposit Box or order checks.

An Enhanced Direct Deposit is an electronic deposit through the Automated Clearing House (“ACH”) Network of payroll,

pension, social security, government benefits and other payments to your checking, savings or MMA account. An

Enhanced Direct Deposit also includes Zelle® incoming payments and other P2P payments when made via ACH using

providers such as Venmo or PayPal. Teller deposits, cash deposits, check deposits, wire transfers, transfers between

Citibank accounts, ATM transfers and deposits, mobile check deposits, and P2P payments using a debit card do not

qualify as a Direct Deposit.

Qualifying Bill Payments are individual or recurring bill payments made through CitiPhone Banking® (including bill

payments made using Citibank’s Telephone Automated Bill Payment Service and Staff Assisted Bill Payments),

Citibank® Online, CitiBusiness® Online and Citi Mobile®. Qualifying Bill Payments do not include payments made by

check or internal transfer payments made to accounts of Citibank or its affiliates.

Deposit balances may consist of funds held in a Regular Checking, savings or money market account in a Basic Banking

Package. The combined average monthly balance of $1,500 or more applies to all accounts that are open in the month

prior to the statement period.

“Online” refers to self-service wires sent via Citi Online or Citi Mobile.

“Other Channels” refers to wire transfers initiated through a branch or assisted by a banker.

ACH (Automated Clearing House) debits are received electronically through a merchant you have instructed to bill your

checking account (i.e., for your utility or phone bill).

Please note, fees and charges may apply for wire transfers initiated from a consumer account through CitiBusiness®

Online. Please refer to the fees and charges displayed on CitiBusiness® Online at the time of the transaction.

Make the Most of Your Basic Banking Account Package

• Mobile and online

banking options to

help you control your

finances wherever

you are

• Set up free Online Bill

Payment to save on

postage and avoid

ordering checks

• Direct deposit of

your paycheck or other

checks to save on trips

to a branch or ATM

• Set up Auto Save to

help you conveniently

save money Use Citi

Financial Tools to

manage your budget

• Sign up for our

free Mobile Check

Deposit service

and deposit to your

account using your

mobile phone