Foreign Transactions (Point of Sale, ATM, and Other transactions):
Effective December 2nd, 2006, we will impose a transaction charge equal to 3% of
the transaction amount (including credit and reversals) for each transaction
(U.S. or foreign currency) that you conduct outside the 50 United States or Puerto
Rico other than cash withdrawals at Citibank ATMs, which will not be subject to a
transaction charge.