Terms and Conditions:

• You must open and fund online a Regular
Checking account in the Citibank EZ Checking pricing package and deposit at
least $1,500 by 7/31/2006.

• Starting no later than the calendar month
after the month in which your account is opened, pay 2 or more bills each
calendar month for 3 consecutive months at citibankonline.com and receive
$50.

• If you qualify to receive the initial $50 credit and you continue
to make 2 or more bill payments each calendar month for the next 3 months you
will receive another $50. This can continue for up to 12 months from account
opening. A maximum of $200 will be credited to your account. If at anytime
during the 12 months you do not pay 2 bills within a month, you will no longer
be eligible for any additional $50 credit(s). Each $50 will be credited to your
account within 90 days of the end of the statement period in which you've
satisfied each of the requirements stated above.

• Account must be in
good standing at the time of each of the $50 credits. Offer only available for
first-time Citibank checking/deposit account customers, and will be paid only
once to any individual. Non US residents and persons under 18 years of age are
not eligible. Offer may be modified or withdrawn at any time without notice and
is not transferable.