Citibank Client Services 000 000001/R1/04F000

PO Box 769013 000

San Antonio, TX 78245-9013 CITIBANK, N. A.
Account
3713 XXXXXX 32001
Statement Period
EUGENE WOOLWIND Aug. 15 - Sep. 14, 2014
410 S MICHIGAN AVE STE 709
CHICAGO IL 60605-1311
Page 1 of 3

ACCOUNT AS OF SEPTEMBER 14, 2014

Checking Balance
Regular Checking $38.05-

CHANGES TO CITIBANK'S FUNDS AVAILABILITY POLICY

Effective immediately, the Standard Funds Availability Schedule is amended, in part, to treat all check
deposits as local. Previously nonlocal checks were subject to longer delays. If your check deposit is not
eligible for expedited availability in accordance with our general policies, the following delays apply: check
deposits of $5,000 or less are available on the third business day after the business day of deposit ($400 of
that deposit becoming available on second business day). Check deposits of more than $5,000 are available
on the fourth business day after the business day of deposit. The following restates Citibank's policy
with respect to the availability of the first $100 of your business day's deposits to a checking, savings, or
money market account: For teller deposits, the first $100 is available immediately, and for ATM deposits,
the first $100 is available on the business day after the business day of deposit, unless the deposit is to a
checking account in which case the first $100 is available immediately. All other terms and conditions of the
funds availability policy as set forth in the Marketplace Addendum continue to apply.

ACCOUNT RATES AND CHARGES

Citibank gives you the benefit of lower charges and better rates as you maintain higher balance levels.
The $3.00 monthly fee is waived with a monthly electronic direct deposit or a $1,500 combined monthly
average balance across all qualifying accounts including the balance of your linked Citibank credit card.

When determining your rates and charges for this statement period, Citibank considered your average
balances during the month of September in all of your qualifying checking, savings, investment, credit card,
and loan accounts that you asked us to combine. These balances may be in accounts that are reported
on other statements.

Rates and Charges Your Combined Balance Range

$0-$1,499
Rates Standard
Monthly Service Charge None
Ask about ways to increase your combined balances and set up Direct Deposit of payroll or financial aid.