RICHARD B LEACH www.citicards.

com
Member Since 2012 Account number ending in: 9352 Customer Service 1-888-766-CITI(2484)
Billing Period: 11/16/20-12/13/20 TTY-hearing-impaired services only 1-800-325-2865
BOX 6062 SIOUX FALLS, SD 57117

DECEMBER STATEMENT Your next AutoPay payment of $5,097.10

will be deducted from your bank account
Minimum payment due: $67.00
on 01/08/2020. Please note that the next
New balance as of 12/13/20: $6,783.73
AutoPay payment may be reduced if you have
Payment due date: 01/05/20
To avoid paying interest on purchases, you should pay $5,097.10 by the due made additional payments or received any
date. credits during the current billing cycle.
Account Summary
Previous balance $7,827.36
Late Payment Warning: If we do not receive your minimum payment by the date
Payments -$6,376.32
listed above, you may have to pay a late fee of up to $39 and your APRs may be
Credits -$6.52
increased up to the Penalty APR of 28.74%.
Purchases +$5,272.23
For information about credit counseling services, call 1-877-337-8187.
Cash advances +$0.00
Fees +$0.00
Interest +$0.00
New balance $6,783.73

Credit Limit
Revolving Credit limit $9,600
Includes $2,400 cash advance limit
Available Revolving credit $4,502
Includes $2,400 available for cash advances

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Pay your bill from virtually anywhere Minimum payment due $67.00
P.O. Box 6004 with the Citi Mobile® App and Citi® Online
Sioux Falls, SD 57117-6004
New balance $6,783.73
To download:
Text 'App15' to MyCiti (692484) Payment due date 01/05/20
Your Statement Is Inside
or go to your device's app store.
Or visit www.citicards.com Amount enclosed: $

Account number ending in 9352

CITI CARDS
RICHARD B LEACH
PO BOX 9001037
30675 VIA BONICA
Louisville, KY 40290-1037
LAKE ELSINORE, CA 92530-3211
www.citicards.com Customer Service 1-888-766-CITI(2484) Page 2 of 4
TTY-hearing-impaired services only 1-800-325-2865
PATRICIA MONK

Important Changes to Your Account Terms

The following is a summary of changes being made to your account terms.
These changes will take effect on 01/13/2021. For more information,
please see "Details About the Changes" below.
5,272
Revised Terms, as of 01/13/2021
Late Payment Fee Up to $40 Purchase 5,072
Returned Up to $40 Bonus 200
Payment Fee Accumulated This Period 5,072
We are also changing your Minimum Payment Due by increasing $25 to
$35 in the calculation formula. This change applies to any Minimum » Visit aa.com/aadvantage to
Payment Due calculated on or after 01/13/2021. redeem miles, book flights and
much more
American Airlines reserves the right to change
Details About the Changes: the AAdvantage® program and its terms and
conditions at any time without notice, and to
The following paragraphs replace the corresponding paragraphs in your Card end the AAdvantage® program with six
Agreement. months' notice. Any such change may affect
your ability to use the awards or mileage
credits that you have accumulated. Unless
Late Fee: Up to $40. We have the right to charge you a late fee if you don't specified, AAdvantage® miles earned through
pay at least an amount equal to the Minimum Payment Due minus any this promotion/offer do not count toward
Overlimit Amount by the payment due date. The late fee is $29 and, if you elite-status qualification or AAdvantage Million
make another Late Payment within the next 6 Billing Periods the late fee will MilerSM status. American Airlines is not
be $40. The amount of your late fee will never be higher than your Minimum responsible for products or services offered
Payment Due. by other participating companies. For
®
complete details about the AAdvantage
Returned Payment Fee: Up to $40. We have the right to charge you a program,
Returned Payment fee of $29 if your bank doesn't honor your payment. If that visit www.aa.com/aadvantage
happens, we'll resubmit the payment request. If your bank doesn't honor American Airlines, AAdvantage and
AAdvantage Million Miler are trademarks of
another payment within 6 consecutive Billing Periods, the Returned Payment American Airlines, Inc.
fee will go up to $40.

Minimum Payment Due. You may pay all or a part of your Account balance
at any time. You must pay at least the Minimum Payment Due by the payment
due date each Billing Period.

Your "Minimum Payment Due" equals:

• Any amount past due; plus
• Any Overlimit Amount; plus
• Any Citi Flex Plan Payment Amount, plus
• The greater of:
1. The Adjusted New Balance, if it's less than $35;
2. $35 if the Adjusted New Balance is at least $35;
3. 1% of the Adjusted New Balance (rounded to the nearest dollar), plus
any billed Interest or minimum interest charge, plus any late fee; or
4. 1.5% of the Adjusted New Balance (rounded to the nearest dollar).
The Minimum Payment Due is never more than the New Balance.
This amends your Card Agreement. Please keep this information for future
reference.

Important Information about Citi Flex Plans.

We have updated the example in Section 3 of your Card Agreement. Please
visit us online or call customer service if you would like to request a copy of
your Card Agreement.

Account Summary
Trans. Post
date date Description Amount
www.citicards.com Customer Service 1-888-766-CITI(2484) Page 3 of 4
TTY-hearing-impaired services only 1-800-325-2865
RICHARD B LEACH

Trans. Post
date date Description Amount
Payments, Credits and Adjustments
12/08 AUTOPAY 000000000014804RAUTOPAY -$7,595.47
AUTO-PMT
11/12 11/13 PUBLIX #669 N MIAMI BEACH FL -$6.78

Standard Purchases
11/12 11/13 PUBLIX #669 N MIAMI BEACH FL $21.07
11/12 11/13 LOCATEL HEALTH #1 HALLANDALE FL $28.08
11/12 11/13 PUBLIX #402 HALLANDALE FL $104.24
11/13 11/13 PUBLIX #402 HALLANDALE FL $35.01
11/13 11/13 FRUTERIA LA HACIENDA HALLANDALE FL $50.73
11/14 11/14 PUBLIX #1536 SUNNY ISLES B FL $25.73
11/14 11/14 ASAKA MIAMI FL $55.38
11/14 11/14 PAYPAL *FORWARDELYS 4029357733 CA $495.00
11/15 11/15 PUBLIX #1536 SUNNY ISLES B FL $192.44
11/15 11/15 ASAKA MIAMI FL $101.37
11/16 11/16 OFFICE DEPOT #189 AVENTURA FL $27.80
11/16 11/16 GRAZIANO S GOURMET AT MIAMI FL $42.59
11/16 11/16 PUBLIX #1558 AVENTURA FL $54.84
11/18 11/18 FRUTERIA LA HACIENDA HALLANDALE FL $11.64
11/18 11/18 PUBLIX #1536 SUNNY ISLES B FL $72.18
11/19 11/19 PUBLIX #454 MIAMI FL $81.91
11/19 11/19 KRUDO SPECIALTY FISH E NORTH MIAMI B FL $127.22
11/20 11/20 MICHAELS STORES 9823 AVENTURA FL $45.72
11/20 11/20 PUBLIX #454 MIAMI FL $55.26
11/21 11/21 PUBLIX #1536 SUNNY ISLES B FL $23.87
11/22 11/22 WALGREENS #4955 AVENTURA FL $35.00
11/22 11/22 PUBLIX #1536 SUNNY ISLES B FL $124.09
11/22 11/22 PAYPAL *FORWARDELYS 4029357733 CA $350.00
11/23 11/23 PUBLIX #1536 SUNNY ISLES B FL $11.88
11/25 11/25 PUBLIX #1536 SUNNY ISLES B FL $105.20
11/26 11/26 THE UPS STORE 4253 NORTH MIAMI B FL $9.10
11/27 11/27 MICHAELS STORES 9823 AVENTURA FL $22.96
11/27 11/27 FRUTERIA LA HACIENDA I N MIAMI BEACH FL $57.88
11/27 11/27 PUBLIX #454 MIAMI FL $133.75
11/27 11/27 KRUDO SPECIALTY FISH E NORTH MIAMI B FL $100.36
11/29 11/29 PUBLIX #1536 SUNNY ISLES B FL $40.17
11/29 11/29 MILAM S MARKET #4 SUNNY ISL BCH FL $52.44
11/30 11/30 EPIC! BOOKS FOR KIDS 8778877815 CA $4.99
11/30 11/30 MICHAELS STORES 9823 AVENTURA FL $34.20
11/30 11/30 MICHAELS STORES 9823 AVENTURA FL $36.39
11/30 11/30 WAL-MART #1996 HALLANDALE FL $56.52
11/30 11/30 PUBLIX #402 HALLANDALE FL $90.62
11/30 11/30 PUBLIX #1536 SUNNY ISLES B FL $138.54
12/02 12/02 PUBLIX #402 HALLANDALE FL $117.97
12/04 12/04 PUBLIX #454 MIAMI FL $100.75
12/04 12/04 FRUTERIA LA HACIENDA HALLANDALE FL $111.27
12/04 12/04 SARAH S TENT AVENTURA FL $592.29
12/05 12/05 PUBLIX #1536 SUNNY ISLES B FL $18.73
12/05 12/05 PUBLIX #1536 SUNNY ISLES B FL $81.54
12/05 12/05 KRUDO SPECIALTY FISH E NORTH MIAMI B FL $121.46
12/06 12/06 SARAH S TENT AVENTURA FL $31.48
12/06 12/06 PUBLIX #1558 AVENTURA FL $64.04
12/06 12/06 SQ *SQ *IT DISTRIBUTIO gosq.com FL $69.49
www.citicards.com Customer Service 1-888-766-CITI(2484) Page 4 of 4
TTY-hearing-impaired services only 1-800-325-2865
RICHARD B LEACH

Standard Purchases, cont'd

Trans. Post
date date Description Amount
12/07 12/07 PUBLIX #1536 SUNNY ISLES B FL $35.81
12/07 12/07 PAYPAL *SMILEYHOMEY 4029357733 HKG $57.87
12/09 12/09 PUBLIX #1536 SUNNY ISLES B FL $39.23
12/09 12/09 PAYPAL *GOOD SEE CO 4029357733 CA $599.00

Fees charged
Total fees charged in this billing period $0.00

Interest charged
Total interest charged in this billing period $0.00

2019 totals year-to-date

Total fees charged in 2019 $127.00
Total interest charged in 2019 $0.00

Interest charge calculation Days in billing cycle: 29

Your Annual Percentage Rate (APR) is the annual interest rate on your account.

Annual percentage Balance subject

Balance type rate (APR) to interest rate Interest charge
PURCHASES
Standard Purch 15.24% $0.00 (D) $0.00
ADVANCES
Standard Adv 21.99% $0.00 (D) $0.00

Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRs followed by
(V) may vary. Balances followed by (D) are determined by the daily balance method (including
current transactions).

Account messages
©2019 Citibank, N.A.
Citi, Citi and Arc Design and other marks used herein are service marks of
Citigroup Inc. or its affiliates, used and registered throughout the world.
American Airlines, AAdvantage and AAdvantage Million Miler are trademarks of
American Airlines, Inc.
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About Interest Charges Your Rights if You Are Dissatisfied With Your Credit Card Purchases.
How We Calculate Interest. We calculate it separately for each balance shown If you are dissatisfied with the goods or services that you have purchased with your
in the Interest Charge Calculation table. We use the daily balance method credit card, and you have tried in good faith to correct the problem with the merchant,
(including current transactions) if the Balance Subject to Interest Rate is you may have the right not to pay the remaining amount due on the purchase.
followed by (D). We figure the interest charge by multiplying the daily balance by To use this right, all of the following must be true:
its daily periodic rate each day in the billing period. To get a daily balance, we 1. The purchase must have been made in your home state or within 100 miles of
take the balance at the end of the previous day, add the interest on the previous your current mailing address, and the purchase price must have been more
day’s balance and new charges, subtract new credits or payments, and make than $50. (Note: Neither of these is necessary if your purchase was based on
adjustments. The Balance Subject to Interest Rate is the average of the daily an advertisement we mailed to you, or if we own the company that sold you
balances. We use the average daily balance method (including current the goods or services.)
transactions) if the Balance Subject to Interest Rate is followed by (A). To get an 2. You must have used your credit card for the purchase. Purchases made with
average daily balance, we take the balance at the end of the previous day, add cash advances from an ATM or with a check that accesses your credit card
new charges, subtract new credits or payments, and make adjustments. We add account do not qualify.
all the daily balances and divide by the number of days in the billing period. 3. You must not yet have fully paid for the purchase.
We figure the interest charge by multiplying the average daily balance by the
If all of the criteria above are met and you are still dissatisfied with the
monthly periodic rate, or by the daily periodic rate and by the number of days
purchase, contact us online or in writing at the Customer Service address shown
in the billing period, as applicable.
on front of statement.
Minimum Interest Charge. If we charge interest, it will be at least $0.50.
While we investigate, the same rules apply to the disputed amount as discussed
How to Avoid Paying Interest on Purchases. Your due date is at least 23 days above. After we finish our investigation, we will tell you our decision. At that point, if
after the close of each billing cycle. We will not charge you interest on purchases we think you owe an amount and you do not pay, we may report you as delinquent.
if you pay your monthly Citi Flex Plan Payment Amount (if any) plus your New
Balance, excluding any Citi Flex Plan balances, by the due date each month.
If you do not pay your monthly Citi Flex Plan Payment Amount plus your New Other Account and Payment Information
Balance, excluding any Citi Flex Plan balances, by the due date each month, When Your Payment Will Be Credited. If we receive your payment in proper
you will pay interest on your purchases from the date they’re posted to your form at our processing facility by 5 p.m. local time there, it will be credited as of
account until you pay such amount in full for two billing periods in a row. We will that day. A payment received there in proper form after that time will be credited
begin charging interest on cash advances and balance transfers on the as of the next day. Allow 5 to 7 days for payments by regular mail to reach us.
transaction date . We will begin charging interest on a Citi Flex Plan balance at There may be a delay of up to 5 days in crediting a payment we receive that is not
the start of the billing cycle following the billing cycle during which you created in proper form or not sent to the correct address. The correct address for regular
the Citi Flex Plan. mail is the address on the front of the payment coupon. The correct address for
courier or express mail is the Express Payments Address shown below.
Your Rights Proper Form. For a payment sent by mail or courier to be in proper form, you must:
What To Do If You Find A Mistake On Your Statement. • Enclose a valid check or money order. No cash or foreign currency please.
If you think there is an error on your statement, write to us at the address for • Include your name and the last four digits of your account number.
billing inquiries and correspondence shown on the front of your statement. In How to Report a Lost or Stolen Card. Call the Customer Service number at the
your letter, give us the following information: top of the page.
• Account information: Your name and account number. Balance Transfers. Balance Transfer amounts are included in the “Purchases”
• Dollar amount: The dollar amount of the suspected error. line in the Account Summary.
• Description of problem: If you think there is an error on your bill, describe what Membership Fee. Some accounts are charged a membership fee. To avoid paying
you believe is wrong and why you believe it is a mistake. this fee, notify us that you are closing your account within 30 days of the mailing
You must contact us within 60 days after the error appeared on your statement. or delivery date of the statement on which the fee is billed.
You must notify us of any potential errors in writing. You may call us, but if you Credit Reporting Disputes. We may report information about your account to
do we are not required to investigate any potential errors and you may have to credit bureaus. If you think we’ve reported inaccurate information, please write
pay the amount in question. to us at Citi Brands Credit Bureau Disputes, PO Box 6241, Sioux Falls, SD 57117.
While we investigate whether or not there has been an error, the following are true:
Payment Amount
• We cannot try to collect the amount in question, or report you as delinquent on
You may pay all or part of your account balance at any time. However, you must
that amount.
pay, by the payment due date, at least the minimum payment due.
• The charge in question may remain on your statement, and we may continue
to charge you interest on that amount. But, if we determine that we made a
mistake, you will not have to pay the amount in question or any interest or
other fees related to that amount.
• While you do not have to pay the amount in question, you are responsible for
the remainder of your balance.
• We can apply any unpaid amount against your credit limit.

IBSCSR-0919

Payments other than by mail

Online. See the front of your statement on how to make a payment.
Phone. For phone payments, you authorize Citi to electronically debit your
specified bank account by an ACH transaction in the amount and on such date
that you indicate on the phone. You also authorize Citi to automatically debit your
specified bank account every month, in the amount and on the same date each
month that you indicate on the phone, until you withdraw your authorization.
You may cancel a one-time phone payment or withdraw your authorization for
automatic debits by calling the number on the front of your statement within the
timeframe disclosed to you on the phone.
AutoPay. Visit autopay.citicards.com to enroll in AutoPay and have your
payment amount automatically deducted each month on your payment date
from the payment account you choose.
Express mail. Send payment by express mail to:
Citi Cards
Attention: Bankcard Payments Department
6716 Grade Lane
Building 9, Suite 910
Louisville, KY 40213
Crediting Payments other than by Mail. The payment cutoff time for Online
Bill Payments, Phone Payments, and Express mail payments is midnight Eastern
time. This means that we will credit your account as of the calendar day, based
on Eastern time, that we receive your payment request.
If you send an eligible check, you authorize us to complete your payment by
electronic debit. If we do, the checking account will be debited in the amount
on the check. We may do this as soon as the day we receive the check. Also,
the check will be destroyed.