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By pressing the "I Agree" button at the end of the agreement, you agree electronically to the terms and conditions of the User Agreement.</span>',tandcDisagreeBack:"Back",GenTermsScrollableText4:`</p> 23 24<h2>E. Applying for Additional Accounts and Services.</h2> 25<p> 26If you apply for an account or service through Citi Online, or ask to change an account or service you already use, you authorize Citibank and Other Citigroup Affiliates to treat your application or request as if it had been made in writing and signed by you.</p> 27 28<h2>F. Transfers and Bill Payments.</h2> 29<p> 30When you instruct Citibank to transfer funds between your linked accounts or pay a bill through Citi Online, you authorize Citibank to withdraw the necessary funds from the Citibank account you designate. You agree that you will instruct Citibank to make a withdrawal only when a sufficient balance is or will be available in your designated account at the time of withdrawal. Citibank will not be obligated to act on any withdrawal instruction from you if sufficient funds, including those available through an overdraft line of credit account, are not available in the account you designate.</p> 31<p> 32Citibank processes an online bill payment request in one of two ways: 33 <ol> 34 <li>By transferring funds to the payee electronically</li> 35 <li>By sending a Citibank Official Bank Check to individual payees</li> 36</ol> 37</p> 38<p>If the payment is made by check, you should allow at least 5-7 business days for the payee to receive payment. Checks are mailed via USPS First-Class Mail. Please note that checks are mailed without a postmark, as Citibank uses pre-printed envelopes with postal permit numbers for mailing. In addition, please be aware that many payees including government agencies do not accept electronic payments initiated from online banking websites. Because payments to government agencies are commonly made by check (e.g., for payment of taxes), we recommend that you schedule your payments with this in mind as Citibank is not responsible for any fees you may incur as a result of a late delivery of a check through the postal system.</p> 39<p>For an electronic funds transfer, we generally deduct the money from your account on the Payment Date you selected when you set up the bill payment, and we electronically transmit the payment to the payee on that day. However, if you specify a date that falls on a Saturday, Sunday, or holiday, we will deduct the money from your account on that day and electronically transmit it to the payee on the next business day.<br/><br/> 40 In the case of payments made by Citibank Official Bank check, we generally deduct the money from your account on the Payment Date you selected and mail the check on that day (including Saturdays). However, if you specify a date that falls on a Sunday or holiday, we will deduct the money from your account on that day and mail the check on the next business day. 41</p> 42<p> 43You may call Citibank at the number listed in Section N of this Agreement to confirm that a bill payment was sent in accordance with your instructions. All bill payments receive a reference number that appears on your monthly Citibank account statement. Citibank is not responsible for postal delays or processing delays by the payee.</p> 44<p> 45If there are insufficient funds available in your designated account on the day a transfer or bill payment is scheduled to be made, Citibank will notify you by electronic message or by mail and automatically try to complete it on the next two consecutive calendar days with the exceptions of Thanksgiving, Christmas, and July 4th. If there are still insufficient funds on the third try, Citibank will cancel the transfer or bill payment and notify you of this. If you have designated a checking account as your account for transfers or bill payments, we will use available funds, if any, from your linked Checking Plus<sup>®</sup> (variable rate) Account to cover the transaction.</p> 46<p> 47You can cancel a future payment or automatic transfer from your Citibank account through Citi Online or by writing or calling Citibank at the address/phone numbers listed in Section N of this Agreement. We must receive your notice by 11:59 p.m. Eastern Time of the day prior to the date you specified for such payment or transfer. We may ask you to confirm phone instructions in writing within two weeks.</p> 48<p>For details on current rules, policies and procedures for processing bill payments and transfers (including limitations on frequency and dollar amount of transactions) refer to the Help and Frequently Asked Questions content within the Online Bill Payment and Transfers Services on Citi Online. </p> 49 50<h2>G. Security Procedures.</h2> 51<p> 52Citi Online has been designed to reduce the possibility of fraud and error by placing the issuance of a User ID, and Passwords ("Codes") under your control so that your accounts may be accessed only upon entry of valid Codes. You authorize Citibank to treat any instruction made on Citi Online with valid Codes as if the instructions had been made in writing and signed by you. Unless there is substantial evidence to the contrary, Citibank records will be conclusive regarding any access to, or action taken through,
52Citi Online. You are responsible for maintaining the confidentiality of the Codes and you will not allow any person (including another Citibank customer or your employee) to use the Codes. You agree to inform Citibank promptly of any discrepancies that you discover. Citibank will therefore consider any access to Citi Online through use of valid Codes to be duly authorized, and Citibank will carry out any instruction given regardless of the identity of the individual who is actually accessing the system. You confirm that the security system and controls are commercially reasonable and appropriate for you. When you place an order for a funds transfer (including a wire or cable transfer), Citibank may follow a security procedure established for your protection that may entail a telephone call or other required contact with or from you prior to acting upon your instructions. In certain instances, Citibank may also decline to act upon your instructions. Citibank may employ other controls to verify your identity as a condition to granting access including the collection and use of data that authenticates you or your computer. You agree to these security procedures, and acknowledge that if contacted, either by telephone or electronically, you will act or respond in compliance with requests resulting from these security procedures and will be bound by any resulting transfer or decision not to act upon your instructions or to deny access to persons purporting to be you. 53</p> 54 55<h2>H. Additional Provisions Applicable to Business Accounts.</h2> 56<p> 57You represent that each individual who has been granted access to Citi Online has general authority from your business to give instructions to Citibank with respect to your linked account upon entry of your Codes (including general authority over the movement of your funds and over accounts with Citibank) and that Citibank has full authorization from your business to rely and act upon instructions from the individual identified by such Codes. You accept responsibility for unauthorized access to Citi Online with your Codes by your employees and associates or by third parties. In the event of any conflict between the authority of an individual (including the entitlement to initiate and approve financial transactions on behalf of your business) as evidenced in an account agreement, banking resolution, power of attorney or other means and that granted through this Agreement (including additional service agreements), the terms of this Agreement shall have precedence. 58</p> 59 60<h2>I. What Citi Online Will Cost.</h2> 61<p> 62There are currently no monthly service charges or transaction fees for Citi Online. However, you are responsible for all account related monthly service charges and transaction fees described in the Schedule of Service Fees and Charges in effect from time to time. You are also responsible for all telephone charges incurred in connecting to Citi Online and charges by any Internet Service Provider. In addition, bill payments may be included in determining the monthly service charge for a Basic Banking account package. There may be separate charges for additional services you request on Citi Online - for example, services of Other Information Providers. You will be informed of the cost of each additional service when you sign up for it.</p> 63 64<h2>J. Changes in Terms/Fees.</h2> 65<p> 66Citibank may change the Citi Online services and the terms, including fees, set forth in this Agreement or disclosed to you separately at any time. You will be notified of any such change as required by applicable law, either by mail or by an electronic message. You understand that by using Citi Online after a change becomes effective, you have agreed to it.</p> 67 68<h2>K. Cancellation.</h2> 69<p> 70This agreement will remain in effect until it is terminated by you or Citibank. You understand that termination of this Agreement will also cancel any services you obtain from Other Information Providers but will not terminate your accounts with Other Citigroup Affiliates. Citibank may cancel this Agreement and terminate your use of Citi Online for any reason, at any time. We will try to notify you in advance, but we are not obliged to do so.</p> 71 72<h2>L. Limit of Citibank and Other Providers' Responsibility.</h2> 73<p> 74Citibank agrees to make reasonable efforts to ensure full performance of Citi Online. Citibank and Other Citigroup Affiliates will be responsible for acting only on those instructions sent through the secure messaging facility within Citi Online which are actually received and cannot assume responsibility for malfunctions in communication facilities not under their control that may affect the accuracy or timeliness of messages you send. Neither Citibank nor any Other Citigroup Affiliate is responsible for any losses or delays in transmission of instructions arising out of the use of any Internet Service Provider or caused by any browser software. Neither Citibank nor any Other Citigroup Affiliate is responsible should you give incorrect instructions or if your payment instructions are not given sufficiently in advance to allow for timely payment or delays in mail service.</p> 75<p> 76Any information you receive from Citibank, Other Citigroup Companies or Other Information Providers is believed to be reliable. However, it can only be provided on a best efforts basis for your convenience and is not guaranteed. Neither Citibank, nor Other Citigroup Affiliate nor any Other Information Provider is liable for any deficiencies in the accuracy, completeness, availability or timeliness of such information or for any investment or other decision made using this information.</p> 77<p> 78None of Citibank, any Other Citigroup Affiliate or any Other Information Provider is responsible for any computer virus or related problems which may be attributable to services provided by any Internet Service Provider.</p> 79<p> 80Except as otherwise provided in the "Citibank's Responsibility to You " provision of Section O of this Agreement and in the absence of gross negligence or willful misconduct on the part of Citibank or any Other Citigroup Affiliate: (a) none of Citibank, any Other Citigroup Affiliate, any Other Information Provider or any Other Software Supplier is responsible for any direct, indirect, special, incidental or consequential damages arising in any way out of the use of Citi Online; (b) the entire liability of Citibank, Other Citigroup Affiliates, Other Information Providers and Other Software Suppliers and your exclusive remedy with respect to the use of Citi Online shall be the replacement of any browser or other software provided by Citibank to use with Citi.com found to be defective. Because some states do not allow the exclusion or limitation of liability for consequential or incidental damages, in such states the liability of Citibank, Other Citigroup Affiliates, Other Information Providers and Other Software Suppliers is limited to the extent permitted by law.</p> 81<p> 82NONE OF CITIBANK, ANY OTHER CITIGROUP AFFILIATE, ANY OTHER INFORMATION PROVIDER OR ANY OTHER SOFTWARE SUPPLIER MAKES ANY EXPRESS OR IMPLIED WARRANTIES CONCERNING Citi Online SOFTWARE OR SERVICES OR BROWSER INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT OF THIRD PARTY PROPRIETARY RIGHTS UNLESS DISCLAIMING SUCH WARRANTIES IS PROHIBITED BY LAW.</p> 83 84<h2>M. No Other Use.</h2> 85<p> 86Citi Online gives you access to services and information from Citibank, Other Citigroup Affiliates and Other Information Providers, which may be presented with a distinctive "look and feel." These services, information and "look and feel" are proprietary property of Citibank, Other Citigroup Affiliates and Other Information Providers. You may use Citi Online only for your personal, non-business use and may not reproduce, sell or distribute all or any portion of the information provided to you by Citi Online.</p> 87<h2>N. Customer Service.</h2> 88<p> 89If you need assistance with Citi Online, or if you need to communicate with Citibank, telephone CitiPhone Banking\xAE at (1-800-374-9700 or 1-800-788-0002 for TTY) or write:</p> 90<p> 91U.S. Service Center<br/> 92Citi Inquiries<br/> 93100 Citibank Drive<br/> 94P.O. Box 769004<br/> 95San Antonio, TX 78245-9989</p> 96<p> 97You agree that we may record the conversations our employees have with you. We do this from time to time to monitor the quality of service and accuracy of information our employees give you, and to ensure that your instructions are followed.</p> 98<p> 99Customer Service can help resolve any Citi Online problems, but Customer Service is not authorized to waive any provision of this Agreement.</p> 100 101<h2>O. Electronic Messages.</h2> 102<p> 103Because normal Internet e-mail transmissions may not be secure, you agree to contact us electronically only by using the secure message facility available at Citi Online. You also agree to re
103ceive communications regarding your account electronically and will not attempt to circumvent receiving any messages. You are deemed to have received any electronic messages sent to you when they are made available to you. You may print a copy of such communications using the "print" function of your software, or you may request that Citibank mail you a paper copy of such communication by contacting Customer Service as provided in Section N.</p> 104 105<h2>P. Severability.</h2> 106<p> 107In the event any one or more of the provisions of this Agreement shall for any reason be held to be invalid, illegal or unenforceable, the remaining provisions shall remain valid and enforceable.</p> 108 109<h2>Q. Our Responsibility to You.</h2> 110<p> 111If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:</p> 112 <ol> 113 <li>If, through no fault of ours, you did not have enough money in your account to make the transfer.</li> 114 <li>If the transfer would have caused you to exceed your available credit.</li> 115 <li>If the automated teller machine where you are making the transfer did not have enough cash.</li> 116 <li>If you knew the Citibank proprietary ATM, network cash machine or POS outlet terminal was out of order and you used it anyway.</li> 117 <li>If circumstances beyond our control, or natural disasters such as fire or flood, prevented the transfer, despite reasonable precautions taken by us.</li> 118 <li>There are other exceptions stated in our agreement with you, such as: 119 <ol type="a" class="scrollableContent" > 120 <li>if we fail to stop payment on an automatic recurring transfer as you requested, but we did not receive your stop payment instructions at least three business days before the transfer was scheduled to be made, or</li> 121 <li>if, through no fault of ours, the money in your account was attached, subject to legal process or was blocked in some other way, or</li> 122 <li>if you are trying to defraud us.</li> 123 </ol> 124 </ol> 125</p> 126<p> 127I HAVE READ AND UNDERSTAND THIS AGREEMENT AND AGREE TO BE BOUND BY ALL OF ITS TERMS AND CONDITIONS.</p> 128<p> 129Agreement to Terms and Conditions of User Agreement</p> 130<p> 131Information Provided Electronically. In order to use the Citi Online services, you must consent electronically to receive and accept the terms and conditions of the User Agreement presented above, and any amendments to it. You may withdraw your consent to having this information provided to you electronically by going to www.citibankonline.com or www.citi.com and deleting yourself as a registered user. Withdrawing your consent in this manner will not prevent you from re-enrolling for these services.</p> 132<p> 133Required Equipment. In order to use the service and to view and retain a copy of the terms and conditions contained in the User Agreement, you must have a computer equipped with at least: a browser with 128-bit encryption; and either a printer or a disk drive or other storage device. You can also obtain a copy of the User Agreement by calling 1-800-374-9700.</p> 134<p> 135Consent by Customer and Agreement to Terms and Conditions. By Clicking "I Agree" below, you acknowledge and agree: (1) you have software and equipment that satisfies the above requirements; and (2) to receive electronically information about the Citi Online services, including the User Agreement and any subsequent amendments to them and (3) you have obtained, read and understand an electronic copy of the User Agreement and agree to be bound by all the terms and conditions contained therein.</p> 136</div>`,FinraSpeedbumpRedirectURL:"/US/JRS/portal/template.do?ID=FinraSpeedbump",GenTermsScrollableText3:".CGMI and Citibank, N.A. are affiliated companies under the common control of Citigroup Inc. Accounts carried by Pershing LLC, member",tandcSpeedBumpHeader:"IMPORTANT INFORMATION",GROUP_TYPE:"Container",ViewPrintRedirectURL:"/US/JRS/tandc/ShowPrintableTandC.do?tandcID=GenTerms",GenTermsCenterText:`<div ><span><p class="jrsintroText">By clicking the "I AGREE" button below you confirm that:</p></span><span><p class="jrsintroText">
136(1) you have available the software and equipment required to view and retain this information,</p></span><span><p class="jrsintroText">(2) you agree to receive all information about the Service electronically and</p></span><span><p class="jrsintroText">(3) you agree to be bound by these Terms.</p></span><span><p class="jrsintroText">Because this service only operates electronically you will be unable to proceed if you don't agree.</p></span></div>`,GenTermsScrollableText2:`<div id="main-content-footer"> 137 <div id="miranda"> 138 INVESTMENT AND INSURANCE PRODUCTS: NOT INSURED BY THE <abbr title="Federal Deposit Insurance Corporation">FDIC</abbr> • NOT INSURED BY THE FEDERAL GOVERNMENT OR ANY OTHER FEDERAL GOVERNMENT AGENCY, BY THE BANK, OR BY ANY AFFILIATE OF THE BANK • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, THE BANK OR AN AFFILIATE OF THE BANK • SUBJECT TO INVESTMENT RISK, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL INVESTED 139</div> 140</div> 141 142<div id="MidYearOutlook2016" class="hidden"> 143<ol role="presentation" class="foot-notes"> 144<li id="fn1" class="note" role="note"> This Communication is prepared by Citi Private Bank (<abbr title="Citi Private Bank">CPB</abbr>), a business of Citigroup, <abbr title="incorporated"><span aria-hidden="true">Inc.</span></abbr>, which provides its clients access to a broad array of products and services available throughout Citigroup, its bank and non-bank affiliates worldwide (collectively, <q>Citi</q>). Not all products and services are provided by all affiliates or are available at all locations. <abbr title="Citi Private Bank">CPB</abbr> personnel are not research analysts, and the information in this Communication is not intended to constitute <q>research,</q> as that term is defined by applicable regulations. 145<a title="Return" aria-flowto="fn1-rf" href="#fn1-rf"><span class="hiddenSkipNav">to footnote reference 1</span></a></li> 146</ol> 147</div>`,GenTermsScrollableText1:`<div id="jrstandc"> 148<p>IMPORTANT: TO ENROLL YOU MUST CONSENT TO RECEIVE NOTICES AND INFORMATION ABOUT THE SERVICE ELECTRONICALLY. YOU MUST HAVE THE ABILITY TO RECEIVE AND RETAIN ELECTRONIC COMMUNICATIONS BEFORE YOU ACCEPT THE TERMS OF THE USER AGREEMENT ("AGREEMENT"). THE AGREEMENT SETS FORTH THE TERMS AND CONDITIONS UNDER WHICH YOU MAY UTILIZE THE VARIOUS FEATURES OF THE SERVICE, AS MORE FULLY EXPLAINED BELOW. BY CLICKING THE "I AGREE" BUTTON BELOW, YOU CONSENT TO RECEIVE INFORMATION ELECTRONICALLY AND AGREE TO THE TERMS AND CONDITIONS SET FORTH IN THIS AGREEMENT. WE RESERVE THE RIGHT TO PROVIDE INFORMATION ABOUT THE SERVICE TO YOU BY NON-ELECTRONIC MEANS.</p> 149 150<h1>I. Citi Online</h1> 151<p> 152By linking your User ID and Password to your Citibank&Banking Card number ("CIN") and ATM PIN to sign on to Citi Online (www.citibankonline.com), you are able to obtain information about and conduct certain types of transactions in your Citibank deposit and loan accounts linked to your CIN. Citi Online also allows you to link your CIN to certain other accounts you may hold at other Citigroup affiliates, such as investment accounts at Citigroup Global Markets Inc., which is a subsidiary of Citigroup Inc. (collectively, your "linked accounts".)</p> 153<p> 154In order to improve the service we provide you, we offer an online service provided by Citibank that helps you manage your finances by bringing you current financial information and news, and giving you access to your accounts at Citibank and Other Citigroup Affiliates that are linked to your CIN through a customizable home page.</p> 155 156<h1>II. Citi Online Banking User Agreement</h1> 157<p> 158IN THIS AGREEMENT, the words "you" and "your" mean the Citibank customer (including consumers, sole proprietors and other eligible small businesses) or all Citibank customers if this is a joint account. "Citibank," "we," "us," and "our" mean Citibank, N.A. "Other Citigroup Affiliate" means Citigroup or any company controlled by Citigroup (other than Citibank), including their respective successors or assigns. "Citi Credit Cards" means certain credit cards issued by Citibank, N.A. "Other Information Provider" means any provider of information accessible through Citi Online, as defined below, other than Citibank or any Other Citigroup Affiliate. Other Information Providers may include, among others, Standard & Poor's, the New York Stock Exchange, the American Stock Exchange and NASDAQ Stock Market. "Access Service Provider" means any Internet Service Provider providing connection to the Internet, any Commercial Online Service Provider providing connection to the Internet in addition to its own proprietary private network, for example, America Online. "Other Software Supplier" means any supplier of software used in Citi Online or used to access Citi Online, other than Citibank or any Other Citigroup Affiliate.</p> 159 160<h2>A. What this Agreement Covers.</h2> 161<p> 162This Agreement between you and Citibank governs the use of the online functions accessible through the service of the Citi.com Website ("Citi Online"), an electronic service that permits Citibank customers to access a number of financial services through the Internet using personal computers or similar access devices. Accounts and services provided by Citibank or any Other Citigroup Affiliate which you access and transact upon through Citi Online may be governed by separate agreements with you. Services provided through Citi Online are subject to the terms and instructions (including online Help tools and similar content) appearing on screen when enrolling in or using a particular service and are considered part of this Agreement.</p> 163 164<h2>B. Accepting the Agreement.</h2> 165<p> 166You understand that by selecting I Agree below, you will agree to the terms and conditions of this Agreement. You agree to use Citi Online solely as provided in this Agreement. You agree that during such use Citibank or an Other Citigroup affiliate may download certain information, including customer identification information, to your computer or other access device. By accepting this Agreement, you hereby authorize: (i) the applicable Other Citigroup Affiliate to provide account information to Citibank and, as applicable, accept instructions initiated by you through Citi Online to conduct transaction in your linked account(s); and (ii) Citibank to request, receive and present information about your account(s) at Other Citigroup Affiliates that are linked to your CIN and, as applicable, transmit instructions initiated by you through Citi Online to the Other Citigroup Affiliate to conduct transactions in your linked accounts(s).</p> 167 168<h2>C. Maintaining Your Accounts.</h2> 169<p> 170You agree to properly maintain any accounts you have with Citibank or any Other Citigroup Affiliate, to comply with the rules and agreements governing these accounts, and to pay any fees associated with the use or maintenance of these accounts, including commissions you may incur in connection with securities transactions. You may be provided with access to your eligible business accounts through Citi Online. You agree that access to business accounts and linking business accounts to your CIN and Citi Online User ID is provided for your convenience only. If you elect to link your consumer and business accounts and use a common User ID and password for Citi Online to access such accounts, you may do so at your sole risk. Consistent with your obligations under applicable account agreements, you agree to maintain and use business accounts for business purposes only and not for personal, family or household purposes.</p> 171 172<h2>D. Services.</h2> 173<p> 174The following are examples of what you can do using Citi Online. Some of these services require an account linked to a valid Citibank&reg; Banking Card. Some services are subject to additional agreements. 175- Apply for or open additional accounts and services.<br/> 176- Get cash advances from Citi Credit Cards.<br/> 177- Borrow from eligible Citibank loan accounts with funds transferred to checking, savings, insured money market accounts.<br/> 178- Transfer funds between checking, savings, and insured money market accounts.<br/> 179- Transfer funds between your Citigroup Global Markets Inc. Investment Account* and your Citigold checking, savings or insured money market accounts.<br/> 180- Make transfer payments to eligible Citibank loan accounts with funds transferred from checking, savings and insured money market accounts.<br/> 181- Make transfer payments to Citi Credit Cards with funds transferred from checking, savings and insured money market accounts.<br/> 182- Initiate domestic and international wire transfers subject to applicable limits. If you send funds in a foreign currency, the foreign currency exchange will be at the then current Citibank rate, which will include a commission.<br/> 183- Pay bills or send money to payees you designate from checking, and eligible Citibank loan products.<br/> 184- Request stop payment on your personal checks.<br/> 185- Get account information and/or statement update for checking, savings, insured money market accounts, eligible Citibank loan accounts, eligible investment accounts and Citi Credit Cards.<br/> 186- Access information about Citibank and Other Citigroup Affiliates, their products and services, and other items of general interest.<br/> 187- Receive and send electronic messages to Citibank and Other Citigroup Affiliates.</p> 188<p> 189*Please see the Citibank Client Manual--Consumer Accounts for more information about eligible investment accounts.<br>`,GenTermsDescriptor:"User Agreement",SIPC_URL:"http://www.sipc.org",tandcDisagreeNothanks:"No Thanks",DisagreeBtnTermsAndConditions:"I disagree",GenTermsPrintableText:"view a printable version",cancelRedirectUrl:"/",GenTermsScrollableText21:'Investment products are offered through Citigroup Global Markets Inc. ("CGMI"), member ',loginAPI:"/cbol/security/auth/passwordLogin",tandcSpeedbumpContent:"You are leaving a Citigroup Website and going to a third party site. That site may have a privacy policy different from Citibank and may provide less security than this Citibank site. Citibank and its affiliates are not responsible for the products, services, and content on the third party website. Do you want to go to the third party site?",printaCopyLink:"Print a Copy",SET_NOTIFICATION:"N",FINRA_URL:"http://www.finra.org",tandcSpeedBumpContinue:"Continue",CONTENT_ID:"cbol_tandc_landing_page",NAME:"cbol_tandc_landing_page",printCitiLogoAltText:"Citibank",AgreeBtnTermsAndConditions:"Accept",SUBGROUP_TYPE:"Container",SipcSpeedbumpRedirectURL:"/US/JRS/portal/template.do?ID=SipcSpeedbump",printCitiLogo:"https://online.citi.com/GFC/branding/img/Citi-Enterprise-Blue.png",closeiconText:"Close",closeicon:"https://online.citi.com/GFC/branding/img/close.svg",loginErrorRedirectUrl:"/nga-login/error",tandcHeader:"TERMS & CONDITIONS",signOffAPI:"/cbol/security/auth/passwordLogout",loginSuccessRedirectUrl:"/parent-interstitial",tandcDisagreeContent:"To use Citi Online, you must agree to the Terms & Conditions. To accept the Terms & Conditions, select Back. To return to the homepage, select No Thanks."}}},es_content:{cbol_tandc:{copy$$tandc_sitecatalyst:{SUBGROUP_TYPE:"Container",TEXT:` { 190 "LANDING_PAGE_TANDC": { 191 "pageName": "T&C-Parent_Page_AG", 192 "localpageName": "Angular - Terms and Conditions" 193 }, 194 "LANDING_PAGE_TANDC_VIEW_PRINT": { 195 "pageName": "T&C-Print_AG", 196 "localpageName": "Angular - Terms and Conditions View Printable Page" 197 }, 198 "LANDING_PAGE_TANDC_FINRA": { 199 "pageName": "T&C-FINRA_AG", 200 "localpageName": "Angular - Terms and Conditions FINRA" 201 }, 202 "LANDING_PAGE_TANDC_SIPC": { 203 "pageName": "T&C-SIPC_AG", 204 "localpageName": "Angular - Terms and Conditions SIPC" 205 }, 206 "LANDING_PAGE_TANDC_DISAGREE":{ 207 "pageName": "T&C-DISAGREE_AG", 208 "localpageName": "Angular - Terms and Conditions Disagree Page" 209 } 210}`,GROUP_TYPE:"Container",SET_NOTIFICATION:"N",CONTENT_ID:"tandc_sitecatalyst",NAME:"tandc_sitecatalyst"},copy$$cbol_tandc_landing_page:{tandCSubmitAPI:"/cbol/security/customers/termsAndConditions",GenTermsEnrollmentText:'<span class="jrsintroText">Por favor, lea con detenimiento este Acuerdo de Usuario de Citibank Online Banking. El acuerdo incluye aclaraciones y limitaciones sobre responsabilidades y otros asuntos de su inter\xE9s. Al hacer clic en "Acepto" al pie de este acuerdo, usted est\xE1 brindando su consentimiento en forma electr\xF3nica con los t\xE9rminos y condiciones del Acuerdo de Usuario.</span>',tandcDisagreeBack:"Back",GenTermsScrollableText4:`</p> 211 212<h2>E. Solicitud de Cuentas y Servicios Adicionales.</h2> 213<p> 214Si solicita una cuenta o un servicio a trav\xE9s de Citi Online, o solicita cambiar una cuenta o un servicio que ya usa, autoriza a Citibank y a Otras Empresas Afiliadas de Citigroup a tratar su solicitud como si usted la hubiera presentado por escrito y la hubiera firmado.</p> 215 216<h2>F. Transferencias y Pagos de Facturas.</h2> 217<p> 218Cuando indica a Citibank que transfiera fondos entre sus cuentas vinculadas o que pague una factura a trav\xE9s de Citi Online, lo autoriza a retirar los fondos necesarios de la cuenta de Citibank que usted designe. Acepta que indicar\xE1 a Citibank que realice el retiro solo cuando la cuenta designada tenga el saldo suficiente o cuando \xE9ste vaya a estar disponible al momento del retiro. Citibank no estar\xE1 obligado a acatar ninguna indicaci\xF3n de retiro que usted d\xE9 si no hay fondos disponibles suficientes en la cuenta que designe, incluidos aquellos disponibles a trav\xE9s de una l\xEDnea de sobregiro de cuentas de cr\xE9dito.</p> 219<p> 220Citibank procesa las solicitudes de pago de facturas en l\xEDnea de dos maneras diferentes: 221 <ol> 222 <li>Mediante la transferencia electr\xF3nica de fondos al beneficiario</li> 223 <li>Mediante el env\xEDo de un Cheque Bancario Oficial de Citibank a los beneficiarios individuales.</li> 224</ol> 225</p> 226<p>Si el pago se realiza con un cheque, debe esperar al menos de 5 a 7 d\xEDas h\xE1biles para que el beneficiario reciba el pago. Los cheques se env\xEDan por correo de primera clase del Servicio Postal de Estados Unidos (USPS). Tenga en cuenta que los cheques se env\xEDan sin un matasellos, ya que Citibank utiliza sobres preimpresos con n\xFAmeros de permiso postal para sus env\xEDos. Adem\xE1s, recuerde que muchos beneficiarios, incluidas las agencias del gobierno, no aceptan pagos electr\xF3nicos iniciados desde websites de servicios bancarios en l\xEDnea. Debido a que los pagos a las agencias del gobierno se realizan generalmente con cheque (por ejemplo, el pago de impuestos), le recomendamos programar sus pagos teniendo esto en cuenta, ya que Citibank no es responsable de los cargos en los que usted pueda incurrir a causa de demoras en la entrega del cheque a trav\xE9s del correo postal.</p> 227<p>En el caso de las transferencias electr\xF3nicas de fondos, en general debitamos el dinero de su cuenta el d\xEDa del pago que seleccion\xF3 cuando configur\xF3 el pago de facturas, y transmitimos electr\xF3nicamente el pago al beneficiario en esa fecha. Sin embargo, si especifica una fecha que cae s\xE1bado, domingo o un d\xEDa festivo, deduciremos el dinero de su cuenta ese d\xEDa y lo transferiremos electr\xF3nicamente al beneficiario el siguiente d\xEDa h\xE1bil.<br/><br/> 228En el caso de los pagos realizados con cheques bancarios oficiales de Citibank, en general deducimos el dinero de su cuenta en la fecha de pago que usted seleccion\xF3 y enviamos el cheque ese mismo d\xEDa (incluso los s\xE1bados). Sin embargo, si especifica una fecha que recae un domingo o un d\xEDa festivo, deduciremos el dinero de su cuenta ese d\xEDa y enviaremos el cheque el siguiente d\xEDa h\xE1bil. 229</p> 230<p> 231Puede llamar a Citibank al n\xFAmero que figura en la Secci\xF3n N de este Contrato para confirmar el env\xEDo del pago de una factura
231seg\xFAn sus instrucciones. Se asigna un n\xFAmero de referencia a todos los pagos de facturas, que aparece en su estado de cuenta mensual de Citibank. Citibank no se hace responsable por demoras en el correo o en el procesamiento de parte del beneficiario.</p> 232<p> 233Si no hay fondos suficientes disponibles en su cuenta designada el d\xEDa en el que est\xE1 programado un pago de facturas o una transferencia, Citibank le enviar\xE1 un mensaje electr\xF3nico o por correo postal e intentar\xE1 completar la transacci\xF3n autom\xE1ticamente los pr\xF3ximos dos d\xEDas calendario consecutivos, excepto el D\xEDa de Acci\xF3n de Gracias, Navidad y el 4 de Julio. Si no hay fondos suficientes al tercer intento, Citibank cancelar\xE1 la transferencia o el pago de facturas y le notificar\xE1 al respecto. Si ha designado una cuenta corriente como la cuenta para hacer transferencias o pagos de facturas, usaremos los fondos disponibles, si los hubiere, de su cuenta Checking Plus <sup>®</sup> (tasa variable) vinculada para cubrir la transacci\xF3n.</p> 234<p> 235Puede cancelar un pago futuro o una transferencia autom\xE1tica de su cuenta Citibank a trav\xE9s de Citi Online o si escribe o llama a Citibank a la direcci\xF3n/a los n\xFAmeros de tel\xE9fono que figuran en la Secci\xF3n N de este Contrato. Debemos recibir la notificaci\xF3n antes de las 11:59 p. m., Hora del Este, del d\xEDa anterior a la fecha que especificaste para el pago o la transferencia. Podemos pedirle que confirme las instrucciones telef\xF3nicas por escrito en un plazo de dos semanas.</p> 236<p>Si desea obtener m\xE1s informaci\xF3n sobre reglas, pol\xEDticas y procedimientos actuales para el procesamiento de pagos de facturas y transferencias (incluidas las limitaciones de frecuencia y el monto en d\xF3lares de las transacciones), consulte la Ayuda y las Preguntas Frecuentes dentro de Servicios de Pago de Facturas y Transferencias en L\xEDnea de Citi Online. </p> 237 238<h2>G. Procedimientos de Seguridad.</h2> 239<p> 240Citi Online est\xE1 dise\xF1ado para reducir la posibilidad de fraude y error. Para ello, la emisi\xF3n de una Identificaci\xF3n de Usuario y Contrase\xF1as ("C\xF3digos") est\xE1 a su cargo, de modo que pueda acceder a sus cuentas solo despu\xE9s de ingresar los C\xF3digos v\xE1lidos. Usted autoriza a Citibank a tratar las instrucciones que d\xE9 en Citi Online con C\xF3digos v\xE1lidos como si las hubiese dado por escrito y las hubiera firmado. A menos que existan pruebas sustanciales que indiquen lo contrario, los registros de Citibank ser\xE1n concluyentes en cuanto a todo acceso a Citi Online o medida tomada a trav\xE9s de \xE9ste. Es responsable de mantener la confidencialidad de los C\xF3digos y no permitir\xE1 a nadie (incluido cualquier otro cliente de Citibank o su empleado) que use los C\xF3digos. Acepta informar a Citibank de inmediato si llegara a descubrir cualquier discrepancia. Por ello, Citibank considerar\xE1 que todo acceso a Citi Online realizado a trav\xE9s de C\xF3digos v\xE1lidos est\xE1 debidamente autorizado, y Citibank cumplir\xE1 con las instrucciones dadas independientemente de la identidad del individuo que en realidad acceda al sistema. Confirma que los controles y el sistema de seguridad son razonables a nivel comercial y adecuados para usted. Cuando realiza una solicitud de transferencia de fondos (incluidas las \xF3rdenes telegr\xE1ficas y las transferencias por cable), Citibank puede seguir un procedimiento de seguridad establecido para su protecci\xF3n que podr\xEDa requerir una llamada telef\xF3nica u otra forma de contacto suya o con usted antes de proseguir con sus instrucciones. En ciertos casos, Citibank tambi\xE9n podr\xEDa rehusar proseguir con sus instrucciones. Citibank podr\xEDa emplear otros tipos de control para verificar su identidad como una condici\xF3n para permitir el acceso, entre los que se incluyen la recopilaci\xF3n y el uso de informaci\xF3n que autentique su persona o su computadora. Acepta estos procedimientos de seguridad, y comprende que si le contactan por tel\xE9fono o de forma electr\xF3nica, actuar\xE1 o responder\xE1 de conformidad con cualquier solicitud derivada de estos procedimientos de seguridad y que se compromete a aceptar cualquier transferencia resultante o decisi\xF3n de no proseguir con sus instrucciones o denegar el acceso a cualquier persona que pretenda ser usted.</p> 241 242<h2>H. Disposiciones Adicionales Correspondientes a las Cuentas Comerciales.</h2> 243<p>
244Declara que cada persona a quien se le haya concedido acceso a Citi Online cuenta con una autorizaci\xF3n general de su empresa para proporcionar instrucciones a Citibank con respecto a su cuenta vinculada una vez que ingrese sus C\xF3digos (incluida una autorizaci\xF3n general sobre el movimiento de sus fondos y sobre las cuentas con Citibank) y que Citibank cuenta con una autorizaci\xF3n completa para confiar y proseguir con las instrucciones de la persona identificada por dichos C\xF3digos. Acepta la responsabilidad por el acceso no autorizado a Citi Online con sus C\xF3digos que sus empleados y asociados o terceras partes lleven a cabo. En caso de conflicto entre la autorizaci\xF3n de una persona (incluido el derecho a iniciar y aprobar transacciones financieras en nombre de su empresa) tal como se evidencia en un contrato de cuenta, resoluci\xF3n bancaria, poder legal u otros medios y que se otorga a trav\xE9s de este Contrato (incluidos los acuerdos de servicio adicionales), los t\xE9rminos de este Contrato tomar\xE1n precedencia. 245</p> 246 247<h2>I. Costo de Citi Online.</h2> 248<p> 249Actualmente no se aplican cargos mensuales por servicios o cargos por transacciones realizadas a trav\xE9s de Citi Online. Sin embargo, usted es responsable de todos los cargos mensuales por servicios y cargos por transacciones relacionados con su cuenta, seg\xFAn se describe en el Programa de Cuotas y Cargos por servicios vigente peri\xF3dicamente. Tambi\xE9n es responsable de todos los cargos telef\xF3nicos incurridos en la conexi\xF3n a Citi Online y los cargos del Proveedor de Servicios de Internet. Adem\xE1s, los pagos de facturas pueden considerarse en la determinaci\xF3n del cargo mensual por servicios para un paquete de cuenta bancaria b\xE1sico. Puede haber otros cargos por los servicios adicionales que solicite en Citi Online, como por ejemplo los servicios de Otros Proveedores de Informaci\xF3n. Le informar\xE1n los costos de cada servicio adicional cuando se inscriba para recibirlo.</p> 250 251<h2>J. Cambios en T\xE9rminos/Cargos.</h2> 252<p> 253Citibank puede cambiar los servicios y los t\xE9rminos de Citi Online, incluyendo los cargos, establecidos en este Contrato o sobre los que le hayan informado por separado en cualquier momento. Le notificar\xE1n si se produce cualquier cambio de este tipo seg\xFAn lo exige la ley, ya sea por correo postal o mensaje electr\xF3nico. Comprende que al usar Citi Online despu\xE9s de que un cambio entra en vigor, significa que lo ha aceptado.</p> 254 255<h2>K. Cancelaci\xF3n.</h2> 256<p> 257Este contrato permanecer\xE1 en vigor hasta que usted o Citibank lo cancelen. Entiende que la cancelaci\xF3n de este Contrato tambi\xE9n cancela todos los servicios que usted obtiene de Otros Proveedores de Informaci\xF3n, pero no dar\xE1 de baja sus cuentas en Otras Empresas Afiliadas de Citigroup. Citibank puede cancelar este Contrato y su uso de Citi Online por cualquier motivo y en cualquier momento. Trataremos de notificarle por adelantado, pero no estamos obligados a hacerlo.</p> 258 259<h2>L. L\xEDmite de la Responsabilidad de Citibank y Otros Proveedores.</h2> 260<p> 261Citibank acepta hacer lo razonable para garantizar el pleno funcionamiento de Citi Online. Citibank y Otras Empresas Afiliadas de Citigroup ser\xE1n responsables de acatar solo las instrucciones que se env\xEDen a trav\xE9s del sistema de mensajes seguros de Citi Online que se reciban realmente, y no puede asumir responsabilidad por el mal funcionamiento de los sistemas de comunicaci\xF3n que no est\xE9n bajo su control y que puedan afectar la precisi\xF3n o la puntualidad de los mensajes que usted env\xEDa. Ni Citibank ni ninguna Otra Empresa Afiliada de Citigroup son responsables de p\xE9rdidas o demoras en la transmisi\xF3n de instrucciones que surjan del uso de cualquier Proveedor de Servicios de Internet o causadas por el uso del software de cualquier navegador. Ni Citibank ni ninguna Otra Empresa Afiliada son responsables de que usted d\xE9 instrucciones incorrectas o si sus instrucciones de pago no se dan con la anticipaci\xF3n suficiente para que el pago se realice oportunamente o si se producen demoras en el servicio de correo postal.</p> 262<p> 263Toda informaci\xF3n que usted reciba de Citibank, de Otras Empresas de Citigroup o de Otros Proveedores de Informaci\xF3n se considera que es confiable. Sin embargo, solo puede ser brindada en base a nuestros mejores esfuerzos para su conveniencia y no est\xE1 garantizada. Ni Citibank ni ninguna Otra Empresa Afiliada de Citigroup ni ning\xFAn Otro Proveedor de Informaci\xF3n es responsable de deficiencias en la precisi\xF3n, la integridad, la disponibilidad o la puntualidad de dicha informaci\xF3n o de ninguna inversi\xF3n u otra decisi\xF3n tomada teni\xE9ndola en cuenta.</p> 264<p> 265Ni Citibank ni ninguna Otra Empresa Afiliada de Citigroup ni ning\xFAn Otro Proveedor de Informaci\xF3n son responsables de virus inform\xE1ticos o problemas relacionados que puedan atribuirse a servicios provistos por cualquier Proveedor de servicios de Internet.</p> 266<p> 267Excepto que se establezca de otro modo en la disposici\xF3n "Responsabilidad de Citibank hacia ti" de la secci\xF3n O de este Contrato y ante la ausencia de negligencia grave o mala conducta intencional de parte de Citibank o de cualquier Otra Empresa Afiliada de Citigroup: (a) Ni Citibank ni ninguna Otra Empresa Afiliada de Citigroup, ning\xFAn Otro Proveedor de Informaci\xF3n ni Otro Proveedor de Software son responsables por da\xF1os directos, indirectos, especiales, incidentales o consecuentes que surjan de cualquier modo del uso de Citi Online; (b) la responsabilidad total de Citibank, Otras Empresas Afiliadas de Citigroup, Otros Proveedores de Informaci\xF3n y Otros Proveedores de Software y su recurso exclusivo con respecto al uso de Citi Online ser\xE1n el reemplazo de cualquier explorador u otro software provisto por Citibank para usar con Citi.com que tenga defectos. Dado que algunos estados no permiten la exclusi\xF3n o la limitaci\xF3n de responsabilidad por da\xF1os incidentales o consecuentes, la responsabilidad de Citibank, Otras Empresas Afiliadas de Citigroup, Otros Proveedores de Informaci\xF3n y Otros Proveedores de Software est\xE1 limitada seg\xFAn lo permite la ley en tales estados.</p> 268<p>
269NI CITIBANK, NI NINGUNA OTRA EMPRESA AFILIADA DE CITIGROUP, NING\xDAN OTRO PROVEEDOR DE INFORMACI\xD3N NI NING\xDAN OTRO PROVEEDOR DE SOFTWARE DAN GARANT\xCDAS EXPRESAS O IMPL\xCDCITAS RELACIONADAS CON EL EXPLORADOR, EL SOFTWARE O LOS SERVICIOS DE Citi Online, INCLUIDAS, ENTRE OTRAS, GARANT\xCDAS DE COMERCIABILIDAD, ADAPTACI\xD3N A UN FIN PARTICULAR O NO CUMPLIMIENTO DE LOS DERECHOS DE PROPIEDAD INTELECTUAL DE TERCEROS, A MENOS QUE DENEGAR TALES GARANT\xCDAS EST\xC9 PROHIBIDO POR LEY.</p> 270 271<h2>M. Ning\xFAn Otro Uso.</h2> 272<p> 273Citi Online le brinda acceso a servicios e informaci\xF3n de Citibank, Otras Empresas Afiliadas de Citigroup y Otros Proveedores de Informaci\xF3n, que pueden ser presentados con un "aspecto" distintivo. Estos servicios, informaci\xF3n y "aspecto" son propiedad exclusiva de Citibank, Otras Empresas Afiliadas de Citigroup y Otros Proveedores de Informaci\xF3n. Puede usar Citi Online solo con fines personales y no comerciales. No podr\xE1 reproducir, vender ni distribuir, parcial o totalmente, la informaci\xF3n que reciba a trav\xE9s de Citi Online.</p> 274<h2>N. Servicio al Cliente.</h2> 275<p> 276Si necesita ayuda con Citi Online o desea comunicarte con Citibank, llame a CitiPhone Banking\xAE al (1-800-374-9700 o al n\xFAmero TTY 1-800-788-0002) o escriba a la siguiente direcci\xF3n: </p> 277<p> 278U.S. Service Center<br/> 279Citi Inquiries<br/> 280100 Citibank Drive<br/> 281P.O. Box 769004<br/> 282San Antonio, TX 78245-9989</p> 283<p> 284Usted acepta que podemos grabar las conversaciones que nuestros empleados tengan con usted. Hacemos esto peri\xF3dicamente para controlar la calidad del servicio y la precisi\xF3n de la informaci\xF3n que te dan nuestros empleados, y para garantizar que se sigan sus instrucciones.</p> 285<p> 286El Servicio al Cliente puede ayudarte a resolver cualquier problema que tenga en Citi Online, pero no est\xE1 autorizado a permitir excepciones a ninguna disposici\xF3n de este Contrato.</p> 287 288<h2>O. Mensajes Electr\xF3nicos.</h2> 289<p> 290Dado que las transmisiones normales de correo electr\xF3nico a trav\xE9s de Internet pueden no ser seguras, acepta comunicarte con nosotros electr\xF3nicamente solo mediante el sistema de mensajes seguros disponible en Citi Online. Tambi\xE9n acepta recibir comunicaciones sobre su cuenta electr\xF3nicamente y no intentar\xE1 impedir recibir ning\xFAn mensaje. Se considera que ha recibido todos los mensajes electr\xF3nicos que le enviamos cuando los tenga disponibles. Puede imprimir una copia de esas comunicaciones mediante la funci\xF3n "Imprimir" del software o solicitarle a Citibank que le env\xEDe una copia impresa de dicha comunicaci\xF3n. Para ello, debe comunicarse con el Servicio al Cliente, seg\xFAn se indica en la secci\xF3n N.</p> 291 292<h2>P. Divisibilidad.</h2> 293<p> 294En caso de que una o m\xE1s de las disposiciones de este Contrato sean consideradas inv\xE1lidas, ilegales o inaplicables por cualquier motivo, las dem\xE1s disposiciones conservar\xE1n su validez y aplicabilidad.</p> 295 296<h2>Q. Nuestra Responsabilidad hacia Ti.</h2> 297<p> 298Si no completamos oportunamente una transferencia hacia o desde su cuenta, o si el monto no es correcto seg\xFAn el acuerdo que tengamos con usted, asumiremos las p\xE9rdidas o los da\xF1os. Sin embargo, existen algunas excepciones. No seremos responsables, por ejemplo, en las siguientes situaciones:</p> 299 <ol> 300 <li>Si, sin que medie ninguna falta nuestra, usted no tiene dinero suficiente en su cuenta para hacer la transferencia.</li> 301 <li>Si la transferencia excediera el cr\xE9dito disponible.</li> 302 <li>Si el cajero autom\xE1tico desde donde hace la transferencia no tiene efectivo suficiente.</li> 303 <li>Si sab\xEDa que el cajero autom\xE1tico de Citibank, el cajero de la red o la terminal de salida POS estaban fuera de servicio y los us\xF3 de todos modos.</li> 304 <li>Si circunstancias que escapan a nuestro control o desastres naturales como incendios o inundaciones, no permitieron que se realizara la transferencia, a pesar de que tomamos precauciones razonables.</li> 305 <li>Hay otras excepciones establecidas en el contrato, como las siguientes: 306 <ol type="a" class="scrollableContent" > 307 <li>si no cancelamos el pago de una transferencia autom\xE1tica recurrente como lo solicitaste, pero no recibimos las instrucciones para suspenderlo al menos tres d\xEDas h\xE1biles antes de la fecha en la que estaba programado el pago; o</li> 308 <li>si, sin que medie ninguna falta nuestra, el dinero de su cuenta estaba relacionado con un proceso legal o sujeto a este, o bloqueado de cualquier otro modo; o</li> 309 <li>si intenta estafarnos.</li> 310 </ol> 311 </ol> 312</p> 313<p> 314HE LE\xCDDO Y COMPRENDO ESTE CONTRATO Y ACEPTO REGIRME POR TODOS SUS T\xC9RMINOS Y CONDICIONES.</p> 315<p> 316Aceptaci\xF3n de los t\xE9rminos y las condiciones del Contrato de Usuario.</p> 317<p> 318Informaci\xF3n Provista Electr\xF3nicamente. Para poder usar los servicios de Citi Online, usted debe aceptar electr\xF3nicamente recibir y aceptar los t\xE9rminos y las condiciones del Contrato de Usuario presentado anteriormente, y todas sus enmiendas. Puede revocar su autorizaci\xF3n a que la informaci\xF3n se le env\xEDe electr\xF3nicamente. Para ello, debe visitar www.citibankonline.com o www.citi.com y eliminarse como usuario registrado. Revocar su autorizaci\xF3n de esta manera no evitar\xE1 que vuelva a inscribirte para recibir estos servicios.</p> 319<p> 320Equipo Necesario. Para poder usar el servicio, y ver y conservar una copia de los t\xE9rminos y las condiciones del Contrato de Usuario, debe tener una computadora que cumpla al menos con los siguientes requisitos: un explorador con una codificaci\xF3n de 128 bits, y una impresora o una unidad de disco u otro dispositivo de almacenamiento. Tambi\xE9n puede llamar al 1-800-374-9700 para solicitar una copia del Contrato de Usuario.</p> 321<p> 322Autorizaci\xF3n del Cliente y Aceptaci\xF3n de los T\xE9rminos y las Condiciones. Al hacer clic en la opci\xF3n "Acepto", reconoce y acepta lo siguiente: (1) tener el software y el equipo que satisfacen los requisitos mencionados anteriormente; (2) recibir electr\xF3nicamente informaci\xF3n sobre los servicios de Citi Online, incluido el Contrato de Usuario y todas las enmiendas subsiguientes; (3) haber obtenido, le\xEDdo y comprendido una copia del Contrato de Usuario y acepta regirse por todos los t\xE9rminos y las condiciones que en \xE9l se incluyen.</p> 323</div>`,FinraSpeedbumpRedirectURL:"/US/JRS/portal/template.do?ID=FinraSpeedbump",GenTermsScrollableText3:". GCMI y Citibank, N.A. son empresas afiliadas bajo el control com\xFAn de Citigroup Inc. Las cuentas son mantenidas por Pershing LLC, miembro de",tandcSpeedBumpHeader:"IMPORTANT INFORMATION",GROUP_TYPE:"Container",ViewPrintRedirectURL:"/US/JRS/tandc/ShowPrintableTandC.do?tandcID=GenTerms",GenTermsCenterText:`<div><span><p class="jrsintroText">Al hacer clic en el bot\xF3n "ACEPTO" que se muestra abajo, confirmas que:</p></span> 324<span><p class="jrsintroText">(1) dispones del software y los equipos necesarios para ver y conservar esta informaci\xF3n,</p> 325</span><span><p class="jrsintroText">
325(2) aceptas recibir toda la informaci\xF3n sobre el Servicio de forma electr\xF3nica y</p></span> 326<span><p class="jrsintroText">(3) aceptas acatar estos T\xE9rminos.</p></span> 327<span><p colspan="2" class="jrsintroText">Debido a que este servicio s\xF3lo funciona de forma electr\xF3nica, no podr\xE1s continuar si no est\xE1s de acuerdo.</p></span></div> 328`,GenTermsScrollableText2:` <div id="main-content-footer"> 329 <div id="miranda">LOS PRODUCTOS DE INVERSI\xD3N Y SEGURO: NO EST\xC1N ASEGURADOS POR LA <abbr title="Federal Deposit Insurance Corporation">FDIC</abbr> • NO EST\xC1N ASEGURADOS POR EL GOBIERNO FEDERAL NI POR CUALQUIER OTRA AGENCIA DEL GOBIERNO FEDERAL, POR EL BANCO NI POR CUALQUIER EMPRESA AFILIADA DEL BANCO • NO SON UN DEP\xD3SITO NI OTRA OBLIGACI\xD3N DEL BANCO NI DE UNA EMPRESA AFILIADA DEL BANCO, NI EST\xC1N GARANTIZADOS POR LOS MISMOS • EST\xC1N SUJETOS A RIESGO DE INVERSI\xD3N, INCLUSO LA POSIBLE P\xC9RDIDA DEL PRINCIPAL INVERTIDO</div> 330 </div> 331Los productos de inversi\xF3n se ofrecen a trav\xE9s de Citigroup Global Markets Inc. ("CGMI"), miembro de `,GenTermsScrollableText1:`<div id="jrstandc"> 332<p>IMPORTANTE: PARA INSCRIBIRSE, DEBE ACEPTAR RECIBIR AVISOS E INFORMACI\xD3N SOBRE EL SERVICIO ELECTR\xD3NICAMENTE. DEBE PODER RECIBIR Y CONSERVAR COMUNICACIONES ELECTR\xD3NICAS ANTES DE ACEPTAR LAS CONDICIONES DEL CONTRATO DE USUARIO ("CONTRATO"). EN EL CONTRATO SE ESTABLECEN LOS T\xC9RMINOS Y LAS CONDICIONES EN V
332IRTUD DE LOS CUALES USTED PUEDE UTILIZAR LAS DIVERSAS FUNCIONES DEL SERVICIO, SEG\xDAN SE EXPLICA M\xC1S DETALLADAMENTE A CONTINUACI\xD3N. AL HACER CLIC EN EL BOT\xD3N "ACEPTO" A CONTINUACI\xD3N, NOS AUTORIZA A ENVIARLE INFORMACI\xD3N ELECTR\xD3NICAMENTE Y ACEPTA LOS T\xC9RMINOS Y LAS CONDICIONES ESTABLECIDOS EN ESTE CONTRATO. NOS RESERVAMOS EL DERECHO A PROPORCIONARLE INFORMACI\xD3N SOBRE EL SERVICIO POR OTROS MEDIOS QUE NO SEAN ELECTR\xD3NICOS.</p> 333 334<h1>I. Citi Online</h1> 335<p> 336Al vincular su identificaci\xF3n de usuario y su contrase\xF1a al n\xFAmero de su Tarjeta Bancaria Citibank® ("CIN") y al n\xFAmero de identificaci\xF3n personal (PIN) para cajeros autom\xE1ticos para iniciar sesi\xF3n en Citi Online (www.citibankonline.com), podr\xE1 realizar y obtener informaci\xF3n sobre determinados tipos de transacciones en sus cuentas de cheques y de pr\xE9stamo Citibank vinculadas a su CIN. Citi Online tambi\xE9n le permite vincular su CIN a otras cuentas que usted pueda tener en otras empresas afiliadas de Citigroup, como cuentas de inversiones en Citigroup Global Markets Inc., que es una empresa afiliada de Citigroup Inc. (colectivamente denominadas "cuentas vinculadas").</p> 337<p> 338Para poder mejorar el servicio que le brindamos, ofrecemos un servicio en l\xEDnea que es proporcionado por Citibank, que le ayuda a administrar sus finanzas, brind\xE1ndole noticias e informaci\xF3n financiera actual, adem\xE1s de acceso a sus cuentas en Citibank y en Otras Empresas Afiliadas de Citigroup que est\xE9n vinculadas con su CIN a trav\xE9s de una p\xE1gina de inicio personalizable.</p> 339 340<h1>II. Contrato de Usuario para Servicios Bancarios de Citi Online</h1> 341<p> 342EN ESTE CONTRATO, las palabras "usted" y "su/sus" hacen referencia al cliente de Citibank (incluidos los clientes, empresas unipersonales y otras peque\xF1as empresas elegibles) o a todos los clientes de Citibank, en el caso de una cuenta conjunta. Las palabras "Citibank", "nosotros", "nos" y "nuestro/a" hacen referencia a Citibank N.A. "Otras empresas afiliadas de Citigroup" hace referencia a Citigroup o a cualquier empresa controlada por Citigroup (que no sea Citibank), incluidos sus respectivos sucesores o cesionarios. "Tarjetas de cr\xE9dito Citi" hace referencia a determinadas tarjetas de cr\xE9dito emitidas por Citibank, N.A. "Otro Proveedor de Informaci\xF3n" hace referencia a cualquier proveedor de informaci\xF3n al que se acceda a trav\xE9s de Citi Online, seg\xFAn se define a continuaci\xF3n, que no sea Citibank ni ninguna Otra Empresa Afiliada de Citigroup. Otros Proveedores de Informaci\xF3n pueden incluir, entre otros a Standard & Poor's, la bolsa de Nueva York, la bolsa estadounidense AMEX y el mercado de valores NASDAQ. "Proveedor del Servicio de Acceso" hace referencia a cualquier Proveedor de Servicios de Internet que brinde conexi\xF3n a Internet, cualquier Proveedor de Servicios Comerciales en L\xEDnea que brinde conexi\xF3n a Internet adem\xE1s de a su propia red privada, como por ejemplo America Online. "Otro Proveedor de Software" hace referencia a cualquier proveedor de software usado en Citi Online o para acceder a Citi Online, que no sea Citibank ni ninguna empresa afiliada a Citigroup.</p> 343 344<h2>A. Cobertura de este Contrato.</h2> 345<p> 346Este Contrato entre usted y Citibank rige el uso de las funciones en l\xEDnea a las que puede acceder a trav\xE9s del servicio del Website Citi.com ("Citi Online"), un servicio electr\xF3nico que permite que los clientes de Citibank accedan a varios servicios financieros a trav\xE9s de Internet en computadoras personales o dispositivos de acceso similares. Las cuentas y los servicios ofrecidos por Citibank o por cualquier Otra Empresa Afiliada de Citigroup a los que accede y en los cuales realiza transacciones a trav\xE9s de Citi Online pueden estar regidos por acuerdos diferentes celebrados contigo. Los servicios que se ofrecen a trav\xE9s de Citi Online est\xE1n sujetos a los t\xE9rminos y las instrucciones (incluidas las herramientas de Ayuda en l\xEDnea y contenidos similares) que aparecen en la pantalla al inscribirte o cuando usas un servicio en particular, y se consideran parte de este Contrato.</p> 347 348<h2>B. Aceptaci\xF3n del Contrato.</h2> 349<p> 350Entiende que cuando selecciona la opci\xF3n "Acepto" a continuaci\xF3n, acepta los t\xE9rminos y las condiciones de este Contrato. Acepta usar Citi Online solo seg\xFAn lo previsto en este Contrato. Acepta que durante dicho uso, Citibank u Otra Empresa Afiliada de Citigroup pueden descargar determinada informaci\xF3n, incluida la informaci\xF3n de identificaci\xF3n del cliente, a su computadora o a otro dispositivo de acceso. Al aceptar este Contrato, por el presente autoriza: (i) a la Otra Empresa Afiliada de Citigroup que corresponda a proporcionar informaci\xF3n de la cuenta a Citibank y, seg\xFAn corresponda, a aceptar las instrucciones iniciadas por usted a trav\xE9s de Citi Online para realizar transacciones en su(s) cuenta(s) vinculada(s); y (ii) autoriza a Citibank a solicitar, recibir y presentar informaci\xF3n sobre su(s) cuenta(s) a Otras Empresas Afiliadas de Citigroup que est\xE1n vinculadas a su CIN y, seg\xFAn corresponda, transmitir instrucciones iniciadas por usted a trav\xE9s de Citi Online a la Otra Empresa Afiliada de Citigroup para que realice transacciones en su(s) cuenta(s) vinculada(s).</p> 351 352<h2>C. Mantenimiento de Sus Cuentas.</h2> 353<p> 354Acepta mantener adecuadamente todas las cuentas que tenga en Citibank o en cualquier Otra empresa afiliada de Citigroup, cumplir con las normas y los acuerdos que rigen estas cuentas, y pagar los cargos asociados al uso o al mantenimiento de estas cuentas, incluidas las comisiones en las que puedas incurrir en relaci\xF3n con las transacciones de valores. Podr\xE1 recibir acceso a sus cuentas comerciales elegibles a trav\xE9s de Citi Online. Acepta que el acceso a cuentas comerciales y la vinculaci\xF3n de las cuentas comerciales con su CIN e Identificaci\xF3n de Usuario de Citi Online se proporciona solo para su comodidad. Si opta por vincular sus cuentas comerciales y de consumidor, y usar una contrase\xF1a e Identificaci\xF3n de Usuario com\xFAn para Citi Online que le permita acceder a esas cuentas, puede hacerlo por su cuenta y riesgo. De conformidad con sus obligaciones en virtud de los contratos de cuenta pertinentes, acepta mantener y usar cuentas comerciales para prop\xF3sitos comerciales \xFAnicamente, y no para cuestiones personales, familiares o del hogar.</p> 355 356<h2>D. Servicios.</h2> 357<p> 358A continuaci\xF3n encontrar\xE1 ejemplos de lo que puede hacer a trav\xE9s de Citi Online. Algunos de estos servicios requieren una cuenta vinculada a una Tarjeta Bancaria Citibank\xAE v\xE1lida. Algunos servicios est\xE1n sujetos a otros acuerdos.- Solicitar o abrir cuentas y servicios adicionales.<br> 359- Obtener adelantos en efectivo de las Tarjetas de Cr\xE9dito Citi.<br> 360- Solicitar pr\xE9stamos de cuentas de pr\xE9stamo de Citibank elegibles con fondos transferidos a cuentas de cheques, de ahorros y cuentas aseguradas del mercado monetario. 361- Transferir fondos entre cuentas de cheques, de ahorros y cuentas aseguradas del mercado monetario.<br> 362- Transferir fondos entre su Cuenta de Inversi\xF3n* de Citigroup Global Markets Inc. y su cuenta corriente, de ahorros o cuenta asegurada del mercado monetario Citigold.<br> 363- Realizar pagos por transferencia a cuentas de pr\xE9stamo de Citibank elegibles con fondos transferidos desde cuentas de cheques, de ahorros y cuentas aseguradas del mercado monetario.<br> 364- Realizar pagos por transferencia a Tarjetas de Cr\xE9dito Citi con fondos transferidos desde cuentas de cheques, de ahorros y cuentas aseguradas del mercado monetario.<br> 365- Iniciar transferencias locales e internacionales sujetas a determinadas limitaciones. Si env\xEDa fondos en una moneda extranjera, la conversi\xF3n a moneda extranjera se realizar\xE1 seg\xFAn la tasa actual de Citibank, la cual incluir\xE1 una comisi\xF3n.<br> 366- Pagar facturas o enviar dinero a los beneficiarios que usted designe, desde
366cuentas de cheques y productos de pr\xE9stamos Citibank elegibles.<br> 367- Solicitar la suspensi\xF3n del pago de sus cheques personales.<br> 368- Obtener informaci\xF3n sobre la cuenta y/o actualizaciones de estados de cuentas de cheques, de ahorros y cuentas aseguradas del mercado monetario, cuentas de pr\xE9stamos Citibank elegibles, cuentas de inversi\xF3n elegibles y Tarjetas de Cr\xE9dito Citi.<br> 369- Acceder a informaci\xF3n sobre Citibank y Otras Empresas Afiliadas de Citigroup, sus productos y servicios, y otros elementos de inter\xE9s general.<br> 370- Recibir mensajes electr\xF3nicos de parte de Citibank y Otras Empresas Afiliadas de Citigroup y enviarles este tipo de mensajes.<br> 371</p> 372<p> 373*Consulte el Manual del Cliente de Citibank, Cuentas del Consumidor, si desea obtener m\xE1s informaci\xF3n sobre las cuentas de inversi\xF3n elegibles.<br>`,GenTermsDescriptor:"Acuerdo de Usuario",SIPC_URL:"http://www.sipc.org",tandcDisagreeNothanks:"No Thanks",DisagreeBtnTermsAndConditions:"No estoy de acuerdo",GenTermsPrintableText:"View a Printable Link",cancelRedirectUrl:"/",GenTermsScrollableText21:'Los productos de inversi\xF3n se ofrecen a trav\xE9s de Citigroup Global Markets Inc. ("CGMI"), miembro de ',loginAPI:"/cbol/security/auth/passwordLogin",tandcSpeedbumpContent:"Estás por salir del Website de Citibank y te diriges al website de un tercero que sólo está disponible en inglés. Es posible que ese website tenga una política de privacidad distinta a la de Citibank y probablemente sea menos seguro que el Website de Citibank. Citibank y sus afiliados no son responsables por los productos, servicios y contenido del website de terceros. \xBFDeseas ingresar en el website de terceros?",printaCopyLink:"Imprimir una copia",SET_NOTIFICATION:"N",FINRA_URL:"http://www.finra.org",tandcSpeedBumpContinue:"Continuar",CONTENT_ID:"cbol_tandc_landing_page",NAME:"cbol_tandc_landing_page",printCitiLogoAltText:"Citibank",AgreeBtnTermsAndConditions:"Estoy de acuerdo",SUBGROUP_TYPE:"Container",SipcSpeedbumpRedirectURL:"/US/JRS/portal/template.do?ID=SipcSpeedbump",printCitiLogo:"https://online.citi.com/GFC/branding/img/Citi-Enterprise-Blue.png",closeicon:"https://online.citi.com/GFC/branding/img/close.svg",closeiconText:"cerrar",loginErrorRedirectUrl:"/nga-login/error",tandcHeader:"T\xE9rminos y Condiciones",signOffAPI:"/cbol/security/auth/passwordLogout",loginSuccessRedirectUrl:"/parent-interstitial",tandcDisagreeContent:"To use Citi Online, you must agree to the Terms & Conditions. To accept the Terms & Conditions, select Back. To return to the homepage, select No Thanks.",GenTermsCenterTextisPlessOptIn:`<div><span><p class="jrsintroText">Al hacer clic en el bot\xF3n "ACEPTO" que se muestra abajo, confirmas que:</p></span> 374<span><p class="jrsintroText">(1) dispones del software y los equipos necesarios para ver y conservar esta informaci\xF3n,</p> 375</span><span><p class="jrsintroText">(2) aceptas recibir toda la informaci\xF3n sobre el Servicio de forma electr\xF3nica y</p></span> 376<span><p class="jrsintroText">(3) aceptas acatar estos T\xE9rminos.</p></span> 377<span><p class="jrsintroText">(4) revisaste una versi\xF3n electr\xF3nica del documento Aceptaci\xF3n de Estados de Cuenta por V\xEDa Electr\xF3nica por parte del Usuario y [seg\xFAn aplique] aceptas acatar estos t\xE9rminos y condiciones.</p></span> 378<span><p colspan="2" class="jrsintroText">Debido a que este servicio s\xF3lo funciona de forma electr\xF3nica, no podr\xE1s continuar si no est\xE1s de acuerdo.</p></span></div> 379`}}},timestamp:"2020-04-24T14:15:25.529Z"}}}return i})();var ne=(()=>{class i{constructor(e,n,t,j,B,F,T,G,H,O,z,V,E){this._tandcService=e,this._activatedRoute=n,this._storageService=t,this._siteCatService=j,this._utilityService=B,this.router=F,this._dataCollectorService=T,this.windowRefService=G,this.constants=H,this._appConfigService=O,this._brandingService=z,this._cdsService=E,this._ngxCookieService=we(Pe),this.tandcPageName="",this.loginSuccessRedirectUrl="",this.loginErrorRedirectUrl="",this.cancelRedirectUrl="",this.isbrowser=Re(V)}ngOnInit(){this._cdsService.enableCds(),this.viewPrintFinraUrl=this.constants.getAppConstants().APIUrls.viewPrintFinraUrl,this.viewPrintSipcUrl=this.constants.getAppConstants().APIUrls.viewPrintSipcUrl,this.isbrowser&&this.overrideBranding(),this.get
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