Our goal is to maintain your trust and confidence when handling personal information about you.

YOU HAVE CHOICES
As a Citibank1 customer you have the opportunity to make choices about how personal information about you may be shared. As you consider this, we encourage you to make choices that enable us to provide you with quality products and services that help you meet your financial needs and objectives.

SECURITY OF PERSONAL INFORMATION
The security of personal information about you is our priority. We protect this information by maintaining physical, electronic, and procedural safeguards that meet applicable law. We train our employees in the proper handling of personal information. When we use other companies to provide services for us, we require them to protect the confidentiality of personal information they receive.

ABOUT THIS NOTICE

We are providing this privacy notice to consumer clients who purchase products or receive services from us for personal, family or household purposes (“you”). This notice tells you how we collect, handle, and disclose personal information about you. If you want to limit our disclosing of this information, you may call us toll free at the Customer Service number shown below or send in the Privacy Choices Form that you will receive as part of your paper privacy notice that we provide at account opening and annually to customers. If you are a joint account holder, we will accept instructions from either of you and apply them to the entire account. This notice also applies to both current and former customers. We may change this notice from time to time. If we do, we will notify you as required by applicable law.

Citibank (Banamex USA)
2029 Century Park East
Los Angeles, CA 90067

Or call us at:

From the U.S.: 1(800) 222-1234
From Mexico: 01 (800) 111-1234

From any other country: (310) 203-3400

Personal Information We Collect and May Disclose

The personal information we collect about you comes from the following sources:

Information we receive from you, such as your name, address and, telephone number,

Information about your transactions, such as your account balances, payment history, and account activity,

Information we receive from a consumer reporting agency and other sources, such as your credit bureau reports and other information relating to your creditworthiness.

We may disclose any of the above information that we collect to affiliates and nonaffiliated third parties as described below.

The term “personal information”, as used in this notice, means information that identifies you personally. We may use information which does not personally identify you to help manage our businesses and to provide us, our affiliates, and other companies insight into consumer spending behavior. We may do this even if you ask us to limit disclosure of personal information about you, as described in the Privacy Choices Form.

Affiliates To Whom We May Disclose Personal Information

Our affiliates are the family of companies controlled by Citigroup Inc. (Citigroup). Affiliates to whom we may disclose personal information about you are in several different businesses, including banking, credit cards, consumer finance, insurance, and securities and include those doing business under the names Banamex, Citibank, and CitiGlobalMarkets Inc.

Non-affiliated Third Parties To Whom We May Disclose Personal Information

Nonaffiliated third parties are those not part of the family of companies controlled by Citigroup.

We may disclose personal information about you to the following types of nonaffiliated third parties:

• Financial services providers, such as companies engaged in banking, credit cards, consumer finance, securities, and insurance, and
• Non-financial companies, such as companies engaged in direct marketing and the selling of consumer products and services.

If you fill in Box 1 on the Privacy Choices Form, or call Customer Service to make this election, we will not disclose personal information about you except as follows. First, we may disclose personal information about you as described above in "Personal Information We Collect and May Disclose" to third parties that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. Second, we may disclose personal information about you to third parties as permitted by law, such as disclosures necessary to process and service your account, to protect against fraud, and to protect the security or confidentiality of our records.

Your Privacy Choices

This section describes your privacy choices. Please remember that we will continue to protect personal information about you regardless of your privacy choices.

Disclosing to Nonaffiliated Third Parties (Box 1)

As described in this notice, we will limit the personal information about you that we disclose to nonaffiliated third parties if you fill in Box1 on the paper Privacy Choices Form that you have or will receive or call Customer Service to make this election.

Sharing with Citigroup Affiliates (Box 2)

Our ability to share information with our affiliates helps us to more easily provide you with quality products and services to meet your financial needs and goals.

The law allows us to share with our affiliates any information about our transactions or experiences with you. Unless otherwise permitted by law, we will not share with our affiliates other information that you provide to us or that we obtain from third parties (for instance, credit bureaus) if you fill in Box 2 on the Privacy Choices Form or call Customer Service to make this election.

Information for Vermont and California Customers

In response to a Vermont regulation, we will automatically treat accounts with Vermont billing addresses as if you filled in Box 1 and Box 2 on the Privacy Choices Form. And if we disclose personal information about you to nonaffiliated third parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact information, and information about our transactions or experiences with you.

In response to a California law, we will automatically treat accounts with California billing addresses as if you filled in Box 1 on the Privacy Choices Form and will not disclose personal information about you to nonaffiliated third parties except as permitted by the applicable California law. We will also limit the sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us. To further restrict sharing with affiliates as described in this notice, you can fill in Box 2 on the paper Privacy Choices Form that you have or will receive or call Customer Service to make this election.

Internet Privacy

We want you to understand what personally identifiable information ("personal information") is collected through this web site and how it may later be disclosed.

You can visit this site and find out about our products and services, or use other value-added services without giving us any information about yourself.

If you are a customer, details about the information we collect and how it may be disclosed is contained in Our Privacy Notice, which includes additional information regarding your Privacy Choices.

In order to provide better service, we may use "cookies" which may be set by another company for us. A cookie is a small piece of information that a Web site stores on your Web browser that can later be retrieved and read only by the same site. We use cookies for administrative purposes and to enhance your online experience. For example, we may use cookies to track the number of visitors to our site or to enable us to present rotating information to you at our site. You can set up your Web browser to inform you when cookies are set or to prevent cookies from being set.

From time to time, we may change this Internet Privacy Policy. The effective date of this policy, as stated below, indicates the last time this policy was revised or materially changed. Checking the effective date below allows you to determine whether there have been changes since the last time you reviewed the policy.

Review and request changes to Information.

Information that customers provide to Citibank (Banamex USA ) can be accessed at this web site and changed. To protect your privacy, you will need to log on with a valid user id and password.

This policy was last modified 06/2007

1 All references to Citibank refer to Citibank (Banamex USA), the bank that is maintaining your account or providing you with products or services.

INFORMATION ABOUT COOKIES

Cookies facilitate certain features that can make the surfing experience more convenient and valuable for Web users.

A "cookie" is a small piece of information, which a web server can store on your web browser. This is useful for having your browser remember some specific information that the web server can later retrieve. As you browse the web, some cookies are "set" on your Web browser. When you quit your browser, some cookies are stored in your computer's memory in a cookie file, while some expire, or disappear. All cookies have expiration dates. The cookie is set on a particular browser on a particular computer, so when you use a different computer, the cookie will not exist.

Cookies are used, for example, when a browser stores your password to a particular site so that you do not have to input it every time you visit. Cookies are also used to store preferences you express for information that is then aggregated and presented to you. Instances where cookies are most commonly used include:

Ordering Online
Online ordering systems can use cookies that remember what a person wants to buy. Cookies enable users to keep browsing and adding to their "shopping cart". They can even end a browser session, come back, and still have the same items in their cart from the last session, if they choose to.

Registering Online
If you decide to register for an informational site, such as a newspaper, periodical or an interest group site, or even a chat group or on-line community, so that you can use it on a regular basis, you will likely be asked to supply some information about yourself. Often cookies are used so that you do not have to identify yourself every time you re-enter the site.

Site Personalization
Cookies allow users to indicate what types of information they are interested in receiving when they visit a particular site. Users can then view only what they are interested in and not waste time with news or information of no interest to them

Web Site Tracking
Tracking allows site owners to find out what pages visitors link to, and interpret or infer what is interesting to them. This helps the owners of sites to keep their content fresh and relevant.

Targeted Marketing
Cookies can be used to build a profile of where on a particular site you visit. This information is then used to target advertising that might be of interest to you. Some sites use cookies to "remember" which advertisements were sent to you, so that you do not see the same ones again.

Security
Cookies cannot be used to obtain data from your hard drive, get your e-mail address or steal sensitive or personal information about you. The only way that any private information could be part of your cookie file would be if you personally gave that information to a Web server. Also, each cookie can only be read by the server that set it, so strange servers cannot view or steal the information in a cookie that you have previously accepted.

Note also that computer viruses are not passed through the setting or use of cookies.

If you, as a visitor, want to disallow cookies you can do so on your Web browser.