Citi ExecutiveSM / AAdvantage® World EliteTM MasterCard®
Footnotes

(1) Million MilerSM Program: Until November 30, 2011, all American Airlines AAdvantage® miles earned through flights and other transactions will count toward Million MilerSM status. Starting on December 1, 2011, base miles earned by flying on American Airlines, American Eagle® or the AmericanConnection® carrier or any eligible AAdvantage program participating airline will count toward Million Miler status. Also, as a limited time offer, one mile for every dollar spent on eligible purchases using the new Citi ExecutiveSM / AAdvantage® World EliteTM MasterCard® credit card that post to billing statements through December 2012 will count toward Million Miler status. AAdvantage miles are earned on purchases, except returned goods and services, cash advances, convenience checks, transferred balances, credits, fees and interest charges. AAdvantage bonus miles and additional miles earned through special promotional offers will not count toward Million Miler status. The Citi ExecutiveSM / AAdvantage® World EliteTM MasterCard® credit card account must be open and in good standing by December 1, 2011. Upon earning one million (1,000,000) Million Miler miles, AAdvantage members will be vested with AAdvantage Gold® status for the lifetime of the AAdvantage Gold program and 35,000 AAdvantage bonus miles. AAdvantage Bonus miles do not count toward elite status. Upon earning two million (2,000,000) Million Miler miles, AAdvantage members will be vested with AAdvantage Platinum® status for the lifetime of the AAdvantage Platinum program and four (4) one-way systemwide upgrades. At each additional Million Miler mark, AAdvantage members will receive four (4) additional one-way systemwide upgrades. Elite status and bonus miles are non-transferable. AAdvantage miles referred to are not actual miles, but represent credits in the AAdvantage program. There is no cash value equivalent. American Airlines reserves the right to change the Million Miler program at any time without notice. For more information visit www.aa.com/millionmiler

(2) Double Miles: You will earn two American Airlines AAdvantage® miles per $1 spent on eligible purchases made with your Citi ExecutiveSM / AAdvantage® World EliteTM MasterCard® credit card for items billed by American Airlines as merchant of record. Products or services that do not qualify are car rentals, hotel reservations, American Airlines VacationSM packages, purchases of American Airlines AAdvantage® miles, duty-free purchases and AA CargoSM products and services. AAdvantage® bonus miles will be posted to your AAdvantage® account 8–10 weeks after a qualifying purchase.

(3) No Mileage Cap: There is no maximum number of American Airlines AAdvantage® miles that you can accumulate on your Citi ExecutiveSM / AAdvantage® World EliteTM MasterCard® credit card. AAdvantage® miles are earned on purchases, except returned goods and services, cash advances, convenience checks, transferred balances, credits, fees and interest charges.

(4) Admirals Club: Only primary Citi ExecutiveSM / AAdvantage® World EliteTM MasterCard® cardmembers who are 18 years of age or older may receive membership privileges to the American Airlines Admirals Club® lounges. Authorized users of the Citi ExecutiveSM / AAdvantage® World EliteTM MasterCard® credit card are not entitled to Admirals Club® membership privileges. To access the Admirals Club® lounge, the primary cardmember must present (i) his or her AAdvantage® number, (ii) his or her current government-issued I.D., (iii) his or her open and valid Citi ExecutiveSM / AAdvantage® World EliteTM MasterCard, and (iv) any additional required documentation. The primary cardmember may bring as guest(s) either immediate family (spouse, domestic partner and/or children under 18 years of age) or up to two traveling guests. All guests must remain with the cardmember during the club visit. All persons must be 21 years of age or older to consume alcohol. Should the Citi ExecutiveSM / AAdvantage® World EliteTM MasterCard® account be closed for any reason, all Admirals Club® benefits will be immediately cancelled, including access to all Admirals Club® lounges. All Admirals Club® membership terms and conditions apply. To review the complete Admirals Club® membership rules, please visit www.AA.com/admiralsclub. Such membership terms and conditions are subject to change without notice. Additional restrictions may apply. If the primary Citi ExecutiveSM / AAdvantage® World EliteTM MasterCard® cardmember is already an Admirals Club® member and has sixty or more days remaining (from the date the Citi ExecutiveSM / AAdvantage® World EliteTM MasterCard® card account is approved by Citi) on such current Admirals Club membership, he or she is eligible to receive a pro-rata refund from American Airlines for any unused portion of his or her current Admirals Club® membership fee . The refund will be based on the number of days remaining on such primary cardmember's current Admirals Club® membership. Refunds will be automatically made in the original form of payment within 12 weeks of becoming a Citi ExecutiveSM / AAdvantage® World EliteTM MasterCard® cardmember. Lifetime Admirals Club® members and AAirpass® members with Admirals Club® privileges are not eligible for a refund.

(5) Enhanced Airport Experience: For benefit to apply, at the time of booking,
Citi ExecutiveSM / AAdvantage® World EliteTM MasterCard® account must be open and in good standing, and reservation must include the primary cardmember’s American Airlines AAdvantage® number. If your credit card account is closed for any reason, these benefits will be cancelled. Citi ExecutiveSM / AAdvantage® World EliteTM MasterCard® cardmembers will have the following benefits: priority check-in (where available), priority airport screening (where available), and priority boarding privileges when traveling on American Airlines operated and marketed flights. You may check in at any Business Class check-in position or First Class check-in when Business Class is not available, regardless of the class of service in which you are traveling on American Airlines. These benefits will not be available for travel on codeshare flights booked with an AA flight number but operated by another airline. Exclusive lanes at security checkpoints are available, subject to TSA approval. Applicable terms and conditions are subject to change without notice.

(6) Waived Domestic Baggage Charge for 1st Eligible Checked Bag: For benefit to apply, at the time of booking, Citi ExecutiveSM / AAdvantage® World EliteTM MasterCard® account must be open and in good standing, and reservation must include the primary cardmember’s American Airlines AAdvantage® number. If your credit card account is closed for any reason, this benefit will be cancelled. Citi ExecutiveSM / AAdvantage® World EliteTM MasterCard® cardmembers may check one bag free of charge when traveling on American Airlines to select destinations. Up to eight customers traveling with the eligible primary credit cardmember will also get their first checked bag free of charge if they are listed in the same reservation. Waiver does not apply to overweight or oversized bags. Please see AA.com for baggage weight and size restrictions. Additional terms, conditions and restrictions may apply. Applicable terms and conditions are subject to change without notice.

(7) Bonus Miles: This Citi® / AAdvantage® card offer is valid only for first-time
Citi® / AAdvantage® cardmembers who apply pursuant to this offer for an account by January 31, 2012. The American Airlines AAdvantage® miles will appear as a bonus in your AAdvantage® account 8-10 weeks after you have met the purchase requirements.

(8) Elite Qualifying Miles: One time per calendar year (referring to January through December billing statements), the primary Citi ExecutiveSM / AAdvantage® World EliteTM MasterCard® cardmember will earn 10,000 Elite Qualifying Miles (EQMs) after he or she reaches the first $40,000 in eligible purchases on his or her Citi ExecutiveSM / AAdvantage® World EliteTM MasterCard® account during such calendar year (purchases posted to your January to December billing statements), regardless of the date the account is opened. EQMs are earned on purchases, excluding returned goods and services, cash advances, convenience checks, transferred balances, credits, fees and interest charges. A primary cardmember may earn the 10,000 EQMs only one time in a calendar year, even if the primary cardmember has more than one Citi ExecutiveSM / AAdvantage® card. EQMs earned as a result of this offer will be posted to the primary cardmember's American Airlines AAdvantage® program account 6–8 weeks after meeting the $40,000 purchase requirement. Purchases made from additional cards on the primary cardmember's account will count toward the primary cardmember's qualifying spend; however, additional cardholders are not eligible to earn EQMs. Please log in to your AAdvantage® account on AA.com to view your YTD Elite Qualifying Miles balance. Should the posting of the additional EQMs result in your qualifying or re-qualifying for AAdvantage® elite status, your status will be valid throughout the next succeeding elite membership year. Benefits associated with any new elite status level will take effect immediately on the date the additional elite status qualifying miles were posted to your AAdvantage® account and will apply to all eligible flight activity occurring on or after that date. If applicable, your new credentials will be received within 4–6 weeks. All AAdvantage® program terms and conditions apply. EQMs only count toward elite status qualification. EQMs cannot be redeemed for award travel, AAdvantage® miles or any other AAdvantage® program awards. AAdvantage® program elite status requirements are available on the AAdvantage® section of AA.com.

(9) No Foreign Transaction Fees on Purchases: For the Citi ExecutiveSM / AAdvantage® World EliteTM MasterCard®: The standard variable APR for purchases – 15.24%; standard variable APR for cash advances – 25.24%. The variable Penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. The annual fee is $450. Also, other fees will be assessed. Minimum interest charge – $0.50. Foreign purchase transaction fee – 0% of each purchase transaction in U.S. dollars. Cash advance fee – either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee – either $5 or 3% of the amount of each transfer, whichever is greater.

(10) No Pre-Set Spending Limit: No pre-set spending limit does not mean unlimited spending. Each charge that causes your balance to exceed your revolving credit line will be evaluated based on account usage and performance, other account relationships with us (if applicable) and your experience with other creditors. You must pay in full each month any amount that exceeds your revolving credit line.
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