HELOC — HOME EQUITY LINE OF CREDIT

     Important Terms and Conditions:
Terms, conditions, rates and fees for accounts, programs, offers, products and services are subject to change without notice at any time. No third lien positions. Available to U.S. residents only. A home equity line is available for single family residential properties (including co-ops in New York, Illinois, District of Columbia, New Jersey and Maryland). Home equity lines are also available for 2-4 family homes that are primary residences (excluding Texas). In Texas, home equity lines are only available on collateral properties that are single family, primary residences. Home equity lines are not available for mobile homes or investment properties in any state. This is not a commitment to lend. All home equity lines and offers are subject to standard underwriting guidelines and required conditions. Certain restrictions apply. This offer contains information about U.S. domestic financial services provided by Citibank, N.A. and is intended for use domestically in the U.S. Citibank, N.A. is not responsible for the obligations of its affiliates. Illinois residents: If your current mortgage lender is not Citibank, NA, your mortgage lender had no part in helping us obtain your mortgage information.

¹   Rates as of .
Introductory Offer - Prime minus %, currently % variable intro APR for months. After your Introductory Offer period, your featured rate may be as low as prime plus %, currently % variable APR. The featured rate after the introductory period ends assumes the following: Excellent credit, a maximum combined-loan-to-value of 70%, a collateral property in , and a first mortgage with another lender. Additional rate discounts may apply. Rates may vary depending on your individual situation. Maximum APR: 18.00%. The variable APR is indexed to the Prime Rate as published in The Wall Street Journal. Citi strives to make the home mortgage experience simple and enjoyable for everyone. If you have any questions about this information or have a competitive offer, please let your Mortgage Representative know, so we can work to meet your home lending needs.

Annual Fee: An annual fee of $50 during the draw period (not applicable if collateral property is located in Texas) applies. No annual fee will be charged if at the time of the account opening, you are an employee of Citigroup or its subsidiaries.

Closing Costs: For lines of $500,000 or less, Citibank will pay all applicable closing costs. A consumer may choose to pay closing costs in return for elimination of the Early Closure fee and/or to obtain a lower rate (not applicable if collateral property is in Texas). For lines greater than $500,000, the borrower will be required to pay applicable closing costs (not applicable if collateral property is in Texas).

Early Closure: If you close your line within the first 3 years, you will be assessed an early closure fee equal to the amount of third-party fees that Citi paid to close your loan (not applicable if collateral property is in Texas). The early closure fee will vary based on the property location, the total equity line amount, and other factors which will range from $680 - $22,000. Your lending representative can provide the estimated Early Closure fee applicable to you.

Insurance: Property insurance will be required; flood insurance is required where necessary.

²    Calls are randomly monitored and recorded to ensure service quality.

³    Please be advised that verbal and written communication from Citi may be in English as we may not be able to provide servicing related communications in all languages. These communications may include, but are not limited to, account agreements, statements and disclosures, change in terms or fees; or any servicing of your account. If you need assistance in a language other than English, please contact us as we have language services that may be of assistance to you.

Por favor, tenga en cuenta que las comunicaciones verbales y escritas de Citi podrían estar únicamente en inglés, ya que, tal vez, no podamos proporcionar comunicaciones relacionadas con los servicios en todos los idiomas. Estas comunicaciones podrían incluir, entre otras, contratos, divulgaciones y estados de cuenta, cambios en los términos o en los cargos, así como cualquier documento de mantenimiento de su cuenta. Si necesita ayuda en un idioma distinto al inglés, por favor, comuníquese con nosotros, ya que tenemos servicios de idiomas que podrían serle útiles.

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