GOVERNMENT SERVICES TRAVEL CARD …

1 CONTINUEDONREVERSESIDEGOVERNMENTSERVICES TRAVELCARDPROGRAMCARDHOLDERACCOUNTAGREEM ENTIMPORTANT:BEFOREYOU SIGN OR USE THE GOVERNMENTCARD,READ THIS YOUR ( Agreement ), card meanstheenclosedCitibank GovernmentTravelCard(andallreplacements) issuedbyCitibank(SouthDakota), (whichwillbereferredtoasthe Bank )undertheGeneralServicesAdministration(G SA) ( GSA Contract ). Agency/Organization meanstheUnitedStatesfederalagency,bureau ,division, I , me , my and mine refertotheAgency/Organizationemployeenam edontheCardandwhohasagreedtobeboundbythi sAgreement.(1)THIS AGREEMENTB yactivating,signingorusingtheCardortheac countestablishedinconnectionwithit( Account ),I I donotagreetothetermsofthisAgreement,I agreethatI willbeboundtothetermsofthisAgreementtoth eextentthatI usetheCard.(2)USE OF THE CARDC hargingandcashadvanceprivileges(ifallowe d) agreetousetheCardonlyforofficialtravelan dofficialtravelrelatedexpensesawayfrommy officialstation/ agreenottousetheCardforpersonal, understandthattheCardisnottransferablean dwillbeusedbymealoneonlyafterI havesignedtheCardonthebackabovethewords authorizedsignature.

2 Unlesscanceled, ,I amrequestingthattheBankissuea :(i) ;(ii)uponterminationofmyemploymentwithmy Agency/Organization;(iii)upontermination oftheGSAC ontractand/ortaskorderbetweentheBankandt heAgency/Organization;(iv)if thecardisrepor tedlostorstolen;or(v)asnotedinSection10o fthisAgreement.(3)LOSS, THEFT OR UNAUTHORIZEDUSEI agreetonotifytheBankandmyAgency/Organiza tionimmediatelyofanyloss, willnotifytheBank,byphoneat1-800-790-720 6,tollfreeintheContinentalUnitedStates,H awaii,Alaska,VirginIslands,Puer toRico,orCanada, willnotifymyAgency/Organizationif myCardisreturnedtomeafterIhavenotifiedth eBank,I willnotbeliableforunauthorizedchargestha taremadeonmyCard.(4)PAYMENTTheBankwillpr ovidememonthlywitha billingstatement,whichsetsfor thbillingdatawithrespecttoallmycharges, ,infull, tainchargesmaybebilleddirectlytomyAgency /Organizationandwillappearonmybillingsta tementasa ,I ,inelectronicformorwitha ,orwitha draftora checkdrawnona theBankdecidestoacceptapaymentmadeinsome otherform,paymentwillnotbecreditedtomyAc countuntilmypaymentisconver ,par tialpaymentsorchecksandmoneyordersmarked paymentinfull orwithotherrestrictiveendorsementswithou tlosinganyrightsunderthisAgreementorunde rthelaw.

3 (5)CHARGESMADE IN Foreign CurrencyConversionProcedures:IfI makea transactionina foreigncurrency,otherthana cashadvancemadeata branchorATMofoneoftheBank sCitiaffiliates,MasterCardorVisa,dependi ngonwhichcardisused,willconver rateit selectsfromtherangeofratesavailableinwho lesalecurrencymarkets,whichmayvaryfromth erateitreceives, a cashadvanceismadeinaforeigncurrencyata branchorATMofoneoftheBank saffiliates,theamountwillbeconver sCitiaffiliatecurrentlyusesa for TransactionsMade in ForeignCurrencies:Foreachpurchasemadeina foreigncurrency, ,if applicable, (i)addedto,andintegratedwith,theapplicab lecurrencyconversionrateor(ii)addedto,an dintegratedwith,thepostedtransactionamou nt.(6)DISHONOREDCHECKSIf anymoneyorder,checkordraftisdeliveredtot heBankandcannotbeprocessed,orisnothonore dforitsfaceamountwhenpresented,Iagreetha ttheBankmayimposeasliquidateddamagesfori tscostsachargeof$15.

4 (7)BILLINGINQUIRIES/ PROBLEMSWITH GOODS AND SERVICESIf I haveanyquestion,problemordisputeaboutthe billingstatement,IwillnotifytheBankinwri tingorbytelephone, understandthatI cannotholdtheBankaccountable,andtheBanki snotresponsible,forproblemssuchasmalfunc tions,failuresduetolackofquality,orother defectsrelatingtothegoodsorservicesthatI , anyestablishmentrefusestohonortheCard,or foranyotherproblemI mayhavewithsuchestablishment.(8)PURCHASE SAND CASH :I understandthatI mayusetheCardorAccountforpurchaseswherev ertheCardishonored,inaccordancewithmyAge ncy s/Organization Advance: ( ATMs )operatedbya bank,otherinstitutions,oraCitibankbranch teller, AdvanceTransactionFee:EachtimeI usemyCardtoobtaincashfromanATM,I willbeassesseda myAgency/Organizationhasnegotiateda lowerfee, , :If I amapprovedforcashadvanceprivileges,I willreceivea ( PIN ).

5 ToobtaincashfromanATM,myPINmustbeentered intotheATMafterI inser agreenottowritemyPINonmyCardoronanymater ialI agreethatif I voluntarilygivetheCardandmyPINtosomeonee lseforanyreason,I Ability to Get Cash at an ATM or CitibankBranch Bank:Anylimitsforobtainingcasharesetbyth eAgency s/Organization (South Dakota), card Liability:TheBankwillnotbeliableforanylo ssesordamagesresultingfromanyuseorattemp teduseofthecashadvanceprivilegesincludin g,butnotlimitedto,situationswhere: ATMsoranycomputersystems,includingCitiba nksystems,donotworkproperly; ATMsdonothaveenoughcash; OrcircumstancesbeyondthecontroloftheBank .(9) : feeof3% , Theft or UnauthorizedUse:I agreetonotifyAmericanExpress,immediately at1-800-721-7282freeintheUnitedStates,Vi rginIslands,Canada,andPuer toRicotheseareasofanyloss,theftorunautho rizeduseofmytravellerscheques.

6 (10)SUSPENSIONAND CANCELLATIONTheBankmaysuspendorcancelmyC ardorAccountprivilegesassetfor :MyAccountisconsidereddelinquentif paymenthasnotbeenreceived55calendardaysf romtheclosingdate,myAgency/Organizationa ndI willbenotifiedofa paymentfortheundisputedprincipalamountha snotbeenreceived61calendardaysfromtheclo singdate,myAccountwillbesuspended, , :MyCardorAccountmaybecanceledif:(i)myCar disusedforunauthorizedpurposesandtheBank hasmyAgency s/Organization spermissiontocancel;(ii)myAccountispastd uefortheundisputedamounts120calendardays pasttheclosingdateandallsuspensionproced ureshavebeenmetbytheBank;(iii) ,myCardorAccountwillbecanceledunlessothe rwisedirectedbymyAgency/Organization;or( iv)myAccounthasbeenpaidwithchecksreturne dbymyfinancialinstitutionforinsufficient funds( NSF )twoormoretimesina , ,IunderstandthatI understandthatmyAccountinformationmayber epor tedtocreditrepor tingagenciesif myF03-A532-5CP06-47890 GOVTIBT(12/06) 621327/14/0811:20 AM Page Fee and Reinstatementof myAgency/Organizationhasnegotiatedareins tatementfee,I of Suspension/CancellationRights:If theBankdoesnotenforceitsSuspensionandCan cellationrightsunderthisAgreementwithin1 80daysoftheclosingdateonthebillingstatem entinwhichthechargefirstappeared,it :TheBankmayusea tcostsandreasonableattorneys fees,nottoexceedfifteenpercent(15%)ofthe amountowed,maybeaddedtotheAccountif theBankmustreferalloranypar toftheAccounttoanoutsideattorneyoragency forcollection.

7 (11)CHANGINGTHIS AGREEMENTTheBankmay,uponwrittenapprovalb ytheGSAandmyAgency/Organization, I donotagreetothechanges,I agreethatI willbeboundbythenewtermsif I usetheCardaftertheeffectivedateofthenewt erms.(12)LIABILITYFOR CHARGESI amresponsibleforallpurchases,cashadvance sandfeeschargedtotheCardissuedtome,andth eBankwillseekpaymentforallchargesdirectl yfrommeregardlessofwhetherI havebeenreimbursedbymyAgency/Organizatio n.(13)DISCLOSUREOF INFORMATIONI nadditiontoroutineusesunderthePrivacyAct ,I authorizetheBankto:(i)provideinformation aboutmyAccounttotheBank sserviceprovidersadministeringmyAccountu ndertheGSAC ontract;and(ii)discloseallnecessaryAccou ntinformationtooutsideattorneys,collecti onagenciesorcreditrepor tingagencies,if theBankrefersallorpar tofmyAccountforcollectioninaccordancewit htheGSAC ontractandmyAgency/Organization understandthatpastdueAccountswillberepor ,I amprovidingmywrittenconsenttothedisclosu reofinformationasprovidedinthisSection13 .

8 (14)EXCHANGEOF INFORMATIONTheBankmayprovidetomyAgency/O rganizationmonthlyorasoftenasrequested, ,anyAccountdelinquencyinformation, , (15)TELEPHONEMONITORINGI understandthatfromtimetotimetheBankmaymo nitorand/orrecordtelephonecallsregarding myAccounttoassurethequalityofitsservice. (16)GOVERNINGLAWThisAgreementandmyAccoun taresubjecttotheGSAC ontractandshallbegovernedbySouthDakotala wandthelawsoftheUnitedStates.(17)ARBITRA TIONPLEASEREAD THIS PROVISIONOF THE ANY DISPUTEMAY BE RESOLVEDBY RIGHT TO GO TOCOURT, INCLUDINGTHE RIGHT TO A JURY TRIAL AND THE RIGHTTO PARTICIPATEIN A CLASS ACTIONOR ,A DISPUTEIS RESOLVEDBY AN ARBITRATORINSTEADOF A JUDGE OR JURY. ARBITRATIONPROCEDURESAREMORE SIMPLEAND MORE LIMITEDTHAN COURT :EithertheBankorI may,withouttheother sconsent,electmandatory,bindingarbitrati onforanyclaim,dispute,orcontroversybetwe enmeandtheBank(called Claims ).

9 ClaimsCovered What Claims are subject to arbitration?AllClaimsrelatingtomyAccount ,a priorrelatedaccount,ortherelationshipbet weenmeandtheBankaresubjecttoarbitration, includingClaimsregardingtheapplication,e nforceability, ,nomatterwhatlegaltheorytheyarebasedonor whatremedy(damages,orinjunctiveordeclara toryrelief) ,tor t(includingintentionaltor t),fraud,agency,myortheBank snegligence,statutoryorregulatoryprovisi ons,oranyothersourcesoflaw;Claimsmadeasc ounterclaims,cross-claims,third-par tyclaims,interpleadersorotherwise; par tywhoinitiatesa proceedingincour tmayelectarbitrationwithrespecttoanyClai madvancedinthatproceedingbyanyotherpar tofa classaction,privateattorneygeneralorothe rrepresentativeactionaresubjecttoarbitra tiononanindividual(non-class,non-represe ntative)basis,andthearbitratormayawardre liefonlyonanindividual(non-class,non-rep resentative)basis.

10 Whose Claims are subject to arbitration?NotonlymineandtheBank s,butalsoClaimsmadebyoragainstanyoneconn ectedwiththeBankormeorclaimingthroughthe Bankorme,suchasa coapplicantorauthorizeduserofmyAccount,a nemployee,agent,representative,affiliate dcompany,predecessororsuccessor,heir,ass ignee,ortrusteeinbankruptcy. What time frame applies to Claims subject to arbitration?Claimsarisinginthepast,prese nt,orfuture,includingClaimsarisingbefore theopeningofmyAccount,aresubjecttoarbitr ation. (the FAA ). What about Claims filed in Small Claims Court?Claimsfiledinasmallclaimscour tarenotsubjecttoarbitration,solongasthem atterremainsinsuchcour tandadvancesonlyanindividual(non-class,n on-representative) How does a party initiate arbitration? Thepar attendwillbeheldata tclosesttomythencurrentbillingaddress,or atsomeotherplacetowhichI :AmericanArbitrationAssociation335 MadisonAvenue,Floor10 NewYork,NY10017-4605 ,MN55405 mayaskanappropriatecour ttocompelarbitrationofClaims,ortostaythe litigationofClaimspendingarbitration,eve nif suchClaimsarepar tofa lawsuit,unlessa trialhasbegunora a par tyfailstoexercisetheserightsatanypar ticulartime,orinconnectionwithanypar ticularClaims,thatpar tycanstillrequirearbitrationata latertimeorinconnectionwithanyotherClaim s.