General Terms and Conditions
This Agreement is in addition to the terms and conditions of all other agreements relating to Citibank accounts. ("Accounts"). Such other terms and conditions remain in full force and effect unless expressly altered by this Agreement. Other than the Governing Law provision contained herein, all conflicts between the provisions of the other Citibank agreements that apply to Account(s) and this Agreement shall be determined by the provision of the other applicable Citibank agreements to the extent necessary to resolve the conflict.

© 2011 CITIGROUP INC. ALL RIGHTS RESERVED.
Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement, is owned by Citigroup Inc. unless otherwise indicated.

Citibank shall legally enforce its rights concerning this Website in the event of any interference, infringement or contravention of Citibank's rights, title or interests in any aspect of this Website. This Website is protected under the copyright laws of Canada and other countries. Unless for personal and non-commercial use only or otherwise specified, no person has permission to download, display, post, record, "mirror", duplicate, copy, retransmit, redistribute, commercially exploit, reproduce or republish any part or aspect of this Website in any form, or any information found at this Website, by any means whatsoever, whether by electronic, mechanical, recording, photocopying, photographic means or otherwise.

USE OF INFORMATION AND MATERIALS
The information contained in this Website is not intended to provide specific legal, accounting, financial, or tax advice for any individual or entity and should not be relied upon in that regard.

The information and materials contained in this Website, and the terms, conditions, and descriptions that appear, are subject to change. Unauthorized use of Citibank's web site and systems including but not limited to unauthorized entry into Citibank's systems, misuse of passwords, or misuse of any information posted on a site is strictly prohibited. Citibank may terminate this agreement and/or your access to the Website at any time without notice. Not all products and services are available in all geographic areas.

Your eligibility for particular products and services is subject to final determination by Citibank and/or its affiliates.

GOVERNING LAW
The use of the Website is governed by the laws of the Province of Ontario. Visitors to this Website submit to the exclusive jurisdiction of the courts of the Province of Ontario.

NO WARRANTY
THE INFORMATION AND MATERIALS CONTAINED IN THIS SITE, INCLUDING TEXT, SERVICES, GRAPHICS, LINKS OR OTHER ITEMS ARE PROVIDED "AS IS" AND "AS AVAILABLE". CITIBANK DOES NOT WARRANT THE QUALITY, TRUTH, ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DENIES AND DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. NO WARRANTY, REPRESENTATION, COVENANT, PROMISE OR GUARANTEE OF ANY KIND, WHETHER IMPLIED, EXPRESS OR STATUTORY, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN BY CITIBANK IN ANY CONNECTION WITH THIS SITE.

EXCLUSION OF LIABILITY
IN NO EVENT WILL CITIBANK BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, THIRD PARTY OR CONSEQUENTIAL, HARM, LIABILITY, DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF CITIBANK, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES (INCLUDING LOSS OF BUSINESS, REVENUE, PROFITS, USE, DATA OR OTHER ECONOMIC ADVANTAGE) HOWEVER IT ARISES, WHETHER FOR BREACH OF CONTRACT, OR IN TORT, NEGLIGENCE, EQUITY OR OTHERWISE EVEN IF CITIBANK OR ITS REPRESENTATIVES HAVE BEEN PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.

YOU HAVE SOLE RESPONSIBILITY FOR ADEQUATE PROTECTION AND BACKUP OF DATA AND/OR EQUIPMENT USED IN CONNECTION WITH THE WEBSITE AND WILL NOT MAKE A CLAIM AGAINST CITIBANK FOR LOST DATA, RE-RUN TIME, INACCURATE OUTPUT, WORK DELAYS OR LOST PROFITS RESULTING FROM THE USE OF THE CONTENTS OF THIS WEBSITE. YOU AGREE NOT TO HOLD CITIBANK RESPONSIBLE OR LIABLE FOR, ANY CLAIMS BASED ON YOUR USE OF THE WEBSITE, AND YOU AGREE NOT TO APPLY FOR OR SEEK ANY PUNITIVE OR EXEMPLARY DAMAGES OR OTHER REMEDY OR RELIEF WHATSOEVER.

YOU ARE SOLELY RESPONSIBLE FOR TAKING REASONABLE AND APPROPRIATE PRECAUTIONS TO AVOID ANY EXPOSURE TO, OR HARM FROM, ANY COMPUTER VIRUSES, AND TO ENSURE COMPATIBILITY OF THIS WEBSITE WITH YOUR SPECIFIC COMPUTER SYSTEM. YOU ARE ALSO SOLELY RESPONSIBLE FOR ENSURING THAT YOU HAVE A COMPLETE AND CURRENT BACKUP OF THE INFORMATION CONTAINED ON YOUR COMPUTER SYSTEM IN ANY CONNECTION WITH YOUR USE OF THIS WEBSITE.

AVAILABLE ONLY WHERE PERMITTED BY LAW
The products and services described in this Website are offered only in jurisdictions where they may be legally offered for sale. The content contained, and the services offered and described, in this Website may not be available or permitted in all jurisdictions, and constitute an offer or solicitation only where permitted, and to the extent permitted, by law. This Website shall not be used where, and to the extent, such use is prohibited by law. All offers in this Website are void where prohibited. Your use of this Website from any location is subject to your compliance with all applicable laws and regulations.

You acknowledge that each instruction that you provide to us is final. You agree that we may rely on your instructions as if you had provided us with a paper copy of them. You agree that you will be liable for the transactions that are conducted on your instructions, and any damages, losses and expenses that may arise from these transactions. Your liability will not be limited by your Account balance or credit limit or any daily transaction limits. However, you will not be liable to us for unauthorized use of your personal information after you have contacted us as set out under the Resolving A Complaint section located on the Contact Us page.

INFORMATION ACCURACY
This Website may include inaccuracies and/or typographical errors. Citibank and the others, who may make improvements and/or changes in the products, services, programs, and prices described in this Website, and to the content of this Website, shall have the right to do so at any time without notice. Interest rates provided by Citibank and other Citigroup entities on this Website are believed to be accurate when placed on the Website, however, posted rates are subject to change at any time without notice. Citibank shall not be responsible for any detrimental reliance that you place on this Website or its contents, whether as a result of Citibank's negligence or otherwise. Your use of this Website is on an "as is" basis and is entirely at your own risk.

LINKS T0 THIRD PARTY SITES
Citibank cannot, and does not guarantee or ensure either the accuracy, completeness or authenticity of this Website or any other web site content, web site functionality, or your transmission of any web site contents to or from any such web site by you. Other web sites that may be accessed from this Website by hypertext links are entirely independent of this Website. Citibank does not control, nor is it responsible for, the contents of any web sites that may be accessed from this Website by a hypertext link. The inclusion of any web site acknowledgments or the identification of any person or entity in the Website, or any hypertext link to another person or entity are included in the Website as a convenience to you and shall not, in any manner, be construed or relied upon by you as an approval, sanction, promotion, recommendation, endorsement or incorporation by reference into this Website, of such person's or entity's web site, products, services or information. Citibank reserves the right to terminate any hypertext links to other web sites at any time. Hypertext links to other Internet resources from this Website are solely at your own risk. The content, accuracy, opinions expressed and other links provided by these resources are not investigated, verified, monitored or endorsed by Citibank.

INFORMATION SECURITY
Although Citibank security efforts are generally consistent with industry practice in Canada, your complete privacy, confidentiality and security associated with any communications between us is NOT YET POSSIBLE over the Internet, and therefore cannot be guaranteed. As a result, Citibank shall not be responsible or liable for any loss of privacy, disclosure of information, harm, damage or loss that may result from your transmission of any information to us in any connection with this Website.

SUBMISSIONS
All information submitted to Citibank via this site shall be deemed and remain the property of Citibank and Citibank shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a visitor to this site provides Citibank through this site. Citibank shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the Citibank entity having the direct customer relationship or as otherwise specifically agreed or required by law.

VERIFICATION
Citibank reserves the right to contact you to obtain confirmation of any electronic instruction before processing any transaction but will not be liable due to any inability or failure of Citibank to contact you in order to confirm such instructions.

RESIDENTS OF THE PROVINCE OF QUEBEC
English shall be the language of these Terms & Conditions and all documents in connection with these Terms & Conditions, and Citibank and you each waive any right to use and rely upon any other language, or translations. Il est de la volonté express des parties que le présent contrat et tous les documents qui s'y rattachent soient rédigés en langue anglaise, exception faite des documents pour lesquels la loi exige l'usage exclusif du français.

TRADEMARKS
Certain names, graphics, logos, icons, designs, words, titles or phrases at this Website may constitute trade names, trademarks or service marks of Citibank or other entities. Trademarks may be registered in Canada and in other countries as applicable.

The display of trademarks on the pages of this Website does not imply that a licence of any kind has been granted unless expressly stated herein. Any unauthorized downloading, re-transmission or other copying or modification of trademarks and/or the contents herein may be a violation of federal or common law, trademark and/or copyright laws and could subject the copier to legal action.

CITI, CITI AND ARC DESIGN, CITIBANK, CITIGROUP and CREDITSHIELD are trademarks and service marks of Citigroup Inc. and are used and registered throughout the world. DRIVER'S EDGE is a trademark and service mark of Citigroup Inc. and is used and registered in the U.S. and Canada. CITI ENRICH is a trademark and service mark of Citigroup Inc. and is used and registered in Canada. Citibank, Citigroup and their subsidiaries also claim rights in certain other trademarks and service marks contained in these web pages.

Trademarks Belonging to Other Entities
All product and service names are trademarks or registered trademarks of their respective owners. Citibank is an authorized user of the marks.

Adobe®
® Adobe is either a registered trademark or trademark of Adobe Systems Incorporated in the United States and/or other countries.

Cirrus®
® Registered trademark of Cirrus Systems, LLC. Used under license.

Interac®
® Interac and the Interac logo are trademarks of Interac Inc. Used under License.

Intuit™, QuickBooks™, Quicken™, QuickTax™, ImpôtRapide™
Intuit, QuickBooks, Quicken, QuickTax, ImpôtRapide are trademarks of Intuit, Inc. Used under License.

Maestro®
® Registered trademark of MasterCard International Inc. Used under license.

Macintosh®
® Macintosh is a trademark of Apple Computer, Inc., registered in the U.S. and other countries.

MasterCard®, MasterCheques®
® Registered trademark of MasterCard International Inc. Used under license.

Microsoft®, Windows®, Windows NT®
Microsoft, Windows and Windows NT are either registered trademarks or trademarks of Microsoft Corporation in the United States and/or other countries.

MLB®1, World Series®1
®1 Major League Baseball trademarks and copyrights are proprietary to the MLB Entities. All rights reserved.

Netscape® and Netscape Navigator®
Netscape and Netscape Navigator are registered trademarks of Netscape Communications Corporation in the United States and other countries.

WestJet®
® Registered trademark of WestJet Airlines Ltd.

THE EXCHANGE®
® THE EXCHANGE and ® THE EXCHANGE & Design are registered trademarks owned by Fiserv Inc., licensed for use in Canada by FICANEX Services Limited Partnership.

The Home Depot®
® Registered trademark Homer TLC Inc. Used under license.

Can't see the whole page?
For the best viewing capabilities, your monitor's screen resolution should be set to 1024 x 768 or higher. This will enable you to view everything on the page and prevent horizontal scrolling.

Setting Your Screen Resolution
If you can't see the entire page from side-to-side, then you need to adjust your monitor's resolution.

For Windows®:

1. Go to the Start menu at the lower left of your screen.
2. Select Settings, then Control Panel.
3. Open the Display icon.
4. Choose the Settings tab at the top of the window.
5. In the Desktop Area section, reset your monitor's display to 1024 x 768 or higher.
6. Click OK.

For Macintosh®:

1. Click on the Apple icon at the upper left of your screen;
2. Select Control Panels, then Monitors from the pull-down list;
3. In the Resolution section, reset your monitor's display to 1024 x 768 or higher.

NOTE: Your screen will flash to black and then display the new screen settings.

What is resolution?
Resolution is the width and height of your screen's display and is measured in pixels (the individual points that make up its picture). The higher your screen resolution, the more pixels are on your screen, so more of the page is visible.

How do I clear my browser cache?
To help keep your private information secure, always clear your browser's cache and close your web browser after use.
Follow these instructions to clear your browser's cache:

Microsoft Internet Explorer 5.x and 6.x

1. Select Tools from the browser menu bar.
2. Select Internet Options.
3. Click the general tab.
4. Click the delete files button in the temporary internet files box.
5. Click OK.
6. To exit, click OK.

Internet Explorer 7.x

1. From the tools menu, select Internet Options.
2. Click the general tab.
3. Click the delete button under browsing history.
4. On Delete Browsing History, click Delete all.
5. On "Are you sure you want to delete all Internet Explorer history", click yes.
6. Click OK.

Firefox 3.x

1. From the Tools menu, drop down to Clear Private Data.
2. Click Clear Private Data.
3. Make sure Browsing History, Cache and Authenticated Sessions are all checked.
4. Click Clear Private Data Now.

Safari 4.x

1. Click on the Safari heading, drop down to Reset Safari.
2. Make sure Clear history, Empty the cache, and Remove other AutoFill form text are all checked.
3. Click on Reset.

Chrome 2.x

1. Click the Tools menu (the wrench image in the upper right hand corner).
2. Click Clear browsing data.
3. Make sure Clear browsing history, Clear download history, Empty the cache, Clear saved form data are all checked.
4. On the drop down menu beside Clear data from this period, select Everything.
5. Click Clear Browsing Data.

The Bank Act requires banks to inform customers in plain language that coercive tied selling is illegal. To comply with the law, Citibank Canada and its wholly-owned subsidiaries and Citibank, N.A., hereafter referred to as "Citibank" have created these web pages explaining: What coercive tied selling is, What coercive tied selling is not and How to contact us if you have any questions, complaints or concerns.

Click here to learn more.

CITIBANK CANADA

Member of Canada Deposit Insurance Corporation

Deposit Product List
The following instruments and/or products are deposits eligible for deposit insurance from the Canada Deposit Insurance Corporation, subject always to maximum coverage limitations as outlined in their brochure "Protecting Your Deposits"and provided they are in Canadian funds, are payable in Canada, and have a term of no more than 5 years:

Chequing Account Wholesale Current Account	Term Deposits Term Deposit Time Deposit Wholesale Term Deposit Certificate of Deposit (Non-Bearer)
Chequing/Savings Account Preferred Investment Account	Manager's Cheques Drafts Outstanding payment items including suspense accounts and items in transit. (Note: These accounts are internal accounts and are not available to depositors in the normal course of their banking)

**For further information, please contact CDIC at 1-800-461-2342**