TERMS OF USE

Legally Binding Terms. These Terms of Use contain important information about Citi® IdentityMonitor® that you have ordered. To simplify this document, the following definitions will apply. "Program" means Citi IdentityMonitor; "You" and "Your" mean the person who ordered the membership in the Program; "Citibank" means Citibank, N.A.; "Intersections" means Intersections Inc. The Program is provided by Citibank, N.A. All Program benefits containing or involving information from your file at one or more credit reporting agencies are delivered by Intersections. Identity Theft Expense Reimbursement Insurance is underwritten by Virginia Surety Company. Intersections and Virginia Surety Company are companies that are not affiliated with Citibank or each other. Your acceptance of the Program constitutes your acceptance of these Terms of Use.

Ongoing Services. You authorize Citibank to bill membership fees for the Program to your credit card account at the rate then in effect until you cancel your membership by notifying Citibank.

Your Use. You may use the Program only for non-commercial purposes. You may not order or use the Program for anyone else.

No Representations or Warranties. THE PROGRAM IS PROVIDED ON AN "AS IS" BASIS ONLY. CITIBANK AND ITS PROVIDERS, INCLUDING INTERSECTIONS INC., DO NOT MAKE AND EXPRESSLY DISCLAIM ANY REPRESENTATION OR WARRANTY OF ANY KIND, WHETHER EXPRESSED, IMPLIED, OR ARISING OUT OF COURSE OF DEALING OR USAGE, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT, NONINTERFERENCE WITH DATA, AVAILABILITY, OR THAT THE PROGRAM IS ERROR FREE. YOU ARE SOLELY RESPONSIBLE FOR ANY USE YOU MAKE OF THE PROGRAM OR ACTION OR DECISION YOU MAKE BASED ON IT.

Limitation of Liabilities. IN NO EVENT MAY CITIBANK OR ITS PROVIDERS, INCLUDING INTERSECTIONS INC. BE LIABLE FOR ANY CONSEQUENTIAL, INDIRECT, SPECIAL, EXEMPLARY, PUNITIVE OR SIMILAR DAMAGES ARISING FROM OR RELATED TO THE PROGRAM, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE. CITIBANK'S OR ITS PROVIDERS', INCLUDING INTERSECTIONS INC., TOTAL LIABILITY ARISING FROM OR RELATED TO THE PROGRAM MAY NEVER EXCEED THE AMOUNT PAID BY YOU FOR THE PROGRAM.

Other Providers. The Program contains information provided by one or more credit reporting agencies, as identified in your materials: The Program may contain credit score analysis provided by one or more third-party providers, as identified in your materials. CITIBANK AND ITS PROVIDERS, INCLUDING INTERSECTIONS INC., DO NOT CONTROL AND ARE NOT RESPONSIBLE FOR THE INFORMATION PROVIDED BY ANY CREDIT REPORTING AGENCY OR SCORE ANALYSIS PROVIDER.

Identity Theft Expense Reimbursement Insurance is available to members of Citi IdentityMonitor at no additional cost. For any one loss, Citi IdentityMonitor members receive coverage for certain expenses up to $10,000 in AK, HI, NY, OH, PA, and WA and up to $25,000 for all other eligible states per membership year with no deductible by the member. The Identity Theft Expense Reimbursement Coverage does not apply to (i) loss due to any fraudulent, dishonest or criminal act by an insured person or person acting in concert with an insured person, or by any authorized representative of an insured person, whether acting alone or in collusion with others; (ii) loss other than expenses such as: lost wages, notary and certified mailing costs, loan application fees and phone charges; and (iii) an Identity Fraud that has commenced or expenses that were incurred when an individual was not an insured person. See the insurance contract for full details. The Identity Theft Expense Reimbursement Insurance benefit is not available to members who enroll using a Florida mailing address.

Changes. Citibank, in its sole discretion, may modify or cancel the Program or change the membership fee at any time without notice to you. Citibank may modify these Terms of Use and these changes will be binding on you. We may inform you of these changes by mailing them to you or by posting them on the IdentityMonitor Web site.

General. These Terms of Use are governed by the laws of the State of South Dakota, USA, exclusive of its choice of law principles. Any claim arising out of or relating to the Program shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association on an individual basis not consolidated with any other claim. These Terms of Use state the exclusive terms, conditions, representations and warranties governing the Program.

IMPORTANT INFORMATION

The following information applies to all CreditXpert® products. The following disclosures, representations and disclaimers that are made by, and apply to, CreditXpert Inc. are also made by, and apply, to Intersections Inc.

The information used by CreditXpert products is derived from one or more credit reports produced by the major credit reporting agencies, also called credit bureaus. The information contained in credit reports reflects the latest information provided to and recorded by the credit bureaus. Recent activity, such as making a payment, opening a new account or authorizing a credit inquiry, may not yet be reflected in the person's credit reports. If not, this activity will not be reflected in any CreditXpert products. In addition, results may change every time new information is added to or removed from credit reports, as well as with the passage of time. CreditXpert products are only as accurate as the information upon which they are based. CreditXpert Inc. is not responsible for incorrect, missing or outdated information in credit reports, which may lead to inaccurate results. Users should carefully review all of the information in credit reports to make sure it is accurate and up-to-date. Note that CreditXpert Inc. does not provide financial or other advice, and is not a credit counseling or credit repair organization.

CreditXpert Credit ScoresTM are provided to help users better understand how lenders evaluate consumer credit reports. Lenders may use a different score to evaluate a person's creditworthiness. Therefore, nothing in CreditXpert products is an endorsement or a determination of a person's qualification for a loan, a change in loan terms or any other extension of credit by lenders. Each lender has specific underwriting standards, so a person should not assume that he or she will receive the same evaluation, credit terms or conditions from each lender. Also, CreditXpert Inc. is not connected in any way to Fair Isaac Corporation; the CreditXpert Credit Score is not a so-called FICO® score. CreditXpert Inc. does not represent that CreditXpert Credit Scores are identical or similar to any specific credit scores produced by any other company. Moreover, score changes predicted by CreditXpert products are only estimates. CreditXpert Inc. does not guarantee that credit scores from any other company will change by the same number of points, if at all.

Also, CreditXpert Inc. does not represent that potential problems found by its software in credit reports are real, or that correcting such items will result in changes to credit scores. Furthermore, CreditXpert Inc. provides information to help consumers make their own decisions; it does not advise anyone to dispute any item in his or her credit report. Moreover, CreditXpert products do not change any information in any credit report, nor do they initiate any disputes on anyone's behalf.

THE FOREGOING INFORMATION IS NOT INTENDED TO PROVIDE OR IMPLY WARRANTIES OF ANY KIND. CREDITXPERT PRODUCTS ARE PROVIDED ON AN "AS IS" BASIS, AND CREDITXPERT INC. AND ITS SUPPLIERS DISCLAIM ANY AND ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, SYSTEM INTEGRATION, NON-INTERFERENCE AND/OR ACCURACY OF INFORMATIONAL CONTENT.

TRADEMARK AND COPYRIGHT

Citi IdentityMonitor is a service mark of Citigroup Inc. Citi is a registered service mark, and Citi with Arc Design is a service mark, of Citigroup Inc. Intersections and Notify Express are trademarks or registered trademarks of Intersections Inc. The following are trademarks of third parties: Equifax is a registered trademark of Equifax, Inc.; Experian is a registered trademark of Experian, Inc.; TransUnion is a registered trademark of TransUnion, LLC; CreditXpert is a trademark of CreditXpert, Inc.; and other trademarks are trademarks of their respective owners.

IMPORTANT INFORMATION ON REGULATIONS

The Fair Credit Reporting Act (FCRA) grants consumers important rights regarding consumer credit, credit files and related matters. Your specific rights are summarized below. You may have additional rights under state law.

* You must be told if information in your file has been used against you. Anyone who
   uses information from a consumer reporting agency to deny your application for
   credit, insurance, or employment -- or take another adverse action against you
   -- must tell you and give you the name, address, and phone number of the agency
   that provided the information.
* You can find out what is in your file. At any time, you may request and obtain your
   report from a consumer reporting agency. You are entitled to free reports if a person
   has taken adverse action against you because of information in a report; if you are
   the victim of identity theft or fraud; if you are on public assistance; or if you are
   unemployed but expect to apply for employment within 60 days. In addition, you are
   entitled to one free report every 12 months from each of the nationwide credit
   reporting agencies and from some specialized consumer reporting agencies.
* You have a right to know your credit score. For a fee, you may request your credit
   score. In some mortgage transactions, you will receive credit score information
   without charge.