Other banks and ATM service providers may charge you a fee when you conduct a Citibank deposit account transaction using their ATMs. In any eligible statement period, when you use another bank’s ATM to conduct an ATM withdrawal from your Citibank deposit accounts you will receive reimbursement from Citibank if your Citigold Account Package had a combined average monthly balance of $200,000 or more in eligible linked deposit, retirement and investment accounts for the calendar month prior to the ATM transaction. If the combined average monthly balance in your Citigold Account Package was not equal to or greater than $200,000 for the calendar month prior to your ATM transaction, then Citibank will not reimburse you for ATM fees charged by other banks or other ATM service providers when you conduct a Citibank deposit account transaction using their ATMs. This ATM reimbursement is only available in the Citigold Account Package and is limited to consumer accounts. Reimbursement of other bank ATM fees is not available in the first month in which your account is opened in The Citigold Account Package. to footnote reference 5