Citibank Client Services 000 000001/R1/04F000

PO Box 769013 000

San Antonio, TX 78245-9013 CITIBANK, N. A.
Account
9976723420
Statement Period
MUHAMMED I ISIK Sept. 15 - Oct. 14, 2009
2 BANK ST
SELDEN NY 11784-1620
Page 1 of 3

COLLEGE STUDENT ACCOUNT AS OF OCTOBER 14, 2009

Checking Balance
Regular Checking $38.05-

CHANGES TO CITIBANK'S FUNDS AVAILABILITY POLICY

Effective immediately, the Standard Funds Availability Schedule is amended, in part, to treat all check
deposits as local. Previou sly nonlocal checks were subject to longer delays. If your check deposit is not
eligib le for expedited availability in accordance with our general policies, the following delays apply: check
deposits of $5,000 or less are available on the third business day after the business day of deposit ($400 of
that deposit becoming available on second business day). Check deposits of more than $5,000 are
available on the fourth business day after the business day of deposit. The following restates Citibank's
policy with respect to the availability of the first $100 of your business day's deposits to a checking, savings,
or money market account: For teller deposits, the first $100 is available immediately, and for ATM deposits,
the first $100 is available on the business day after the business day of deposit, unless the deposit is to a
checking account in which case the first $100 is available immediately. All other terms and conditions of the
funds availability policy as set forth in the Marketplace Addendum continue to apply.

COLLEGE STUDENT ACCOUNT RATES AND CHARGES

Citibank gives you the benefit of lower charges and better rates as you maintain higher balance levels.
The $3.00 monthly fee is waived with a monthly electronic direct deposit or a $1,500 combined monthly
average balance across all qualifying accounts including the balance of your linked Citibank credit card.

When determining your rates and charges for this statement period, Citibank considered your average
balances during the month of September in all of your qualifying checking, savings, investment, credit card,
and loan accounts that you asked us to combine. These balances may be in accounts that are reported
on other statements.

Rates and Charges Your Combined Balance Range

$0-$1,499
Rates Standard
Monthly Service Charge None

Ask about ways to increase your combined balances and set up Direct Deposit of payroll or financial aid.
MUHAMMED I ISIK Account 9976723420 Page 2 of 3 000002/R1/04F000
Statement Period - Sept. 15 - Oct. 14, 2009

CHECKING ACTIVITY

Regular Checking
9976723420 Beginning Balance: $219.35
Ending Balance: $38.05-
Date Description Amount Subtracted Amount Added Balance
9/16 Deposit 03:12p #2394 200.00
Teller
9/16 Cash Withdrawal 03:17p #2394 200.00 219.35
Citibank ATM 201 W 34TH STREET, NY, NY
9/21 Debit Card Purchase 09/16 01:02p #2394 12.01 207.34
GULF OIL 92043412 HOLTSVILLE NY 09261
Autos (rental, service, gas)
9/22 Deposit 03:13p 300.00 507.34
Teller
9/23 Cash Withdrawal on 09/22¹ 08:28p #2392 203.00 304.34
Non Citi ATM 977 JERICHO TPKE SMITHTOWN NYUS
9/24 Cash Withdrawal 08:31a #2392 82.00 222.34
Non Citi ATM 1490 FIFTH AVENUE BAYSHORE NYUS
9/25 Debit Card Purchase 09/23 08:46p #2392 32.59 189.75
H&M #16 LAKE GROVE NY 09267
Retail stores
9/28 Debit Card Purchase 09/23 06:43p #2392 76.86
BANANA REPUBLIC 6262 RIVERHEAD NY 09268
Specialty Retail stores
9/28 Pinless Debit 70.00 42.89
T MOBILE COM PLDB PMNT BELLEVUE WAUSA0IN2
9/29 Deposit 12:06p #2392 640.00
Teller
9/29 Debit Card Purchase 09/25 04:58p #2392 12.00 670.89
GULF OIL 95555552 REFER TO COPY MA 09271
Autos (rental, service, gas)
9/30 Deposit 04:09p 1,200.00 1,870.89
Teller
10/02 Debit Card Purchase 09/29 12:55p #2392 633.00 1,237.89
DOWLING COLLEGE BURSAR OAKDALE NY 09274
Schools/Education, Day Care
10/05 Deposit 10:30a #2392 5.00
Teller
10/05 Cash Withdrawal 10:36a #2392 60.00
Teller
10/05 Cash Withdrawal on 10/03¹ 11:04p #2392 300.00
ATM 221 MAIN ST.@EDGEWO SMITHTOWN, NYUS
10/05 Cash Withdrawal on 10/03¹ 11:03p #2392 200.00
ATM 221 MAIN ST.@EDGEWO SMITHTOWN, NYUS
10/05 Cash Withdrawal on 10/03¹ 11:06p #2392 200.00
ATM 221 MAIN ST.@EDGEWO SMITHTOWN, NYUS
10/05 Cash Withdrawal on 10/03¹ 11:06p #2392 200.00
ATM 221 MAIN ST.@EDGEWO SMITHTOWN, NYUS
10/05 Cash Withdrawal on 10/03¹ 11:07p #2392 100.00 182.89
ATM 221 MAIN ST.@EDGEWO SMITHTOWN, NYUS
10/06 Debit Card Purchase 10/05 01:20a #2392 55.00
T-MOBILE.COM*PAYMENT 800-937-8997 WA 09278
Phones, Cable & Utilities
10/06 Debit Card Purchase 10/02 03:21p #2392 47.25
DF&CCO RIVERHEAD NY 09276
Specialty Retail stores
10/06 Debit Card Purchase 10/02 02:39p #2392 20.00 60.64
CONVERSE OUTLET STORE RIVERHEAD NY 09276
Specialty Retail stores
10/07 Debit Card Purchase 10/05 01:44a #2392 54.71
CABLEVISION #7868 631-225-5555 NY 09279
Phones, Cable & Utilities
10/07 Debit Card Purchase 10/04 02:05a #2392 9.98 4.05-
SUNOCO SVC STATION ST JAMES NY 09279
Autos (rental, service, gas)
10/08 Fee for Returned Check/Overdraft 34.00 38.05-
Total Subtracted/Added 2,602.40 2,345.00

All transaction times and dates reflected are based on Eastern Standard Time.
¹ Transactions made on weekends, bank holidays or after bank business hours are not reflected in your account until the next
business day.
MUHAMMED I ISIK Account 9976723420 Page 3 of 3 000003/R1/04F000
Statement Period - Sept. 15 - Oct. 14, 2009

CUSTOMER SERVICE INFORMATION

IF YOU HAVE QUESTIONS ON: YOU CAN CALL: YOU CAN WRITE:

Checking 800-627-3999 Citibank Client Services

(For Speech and Hearing P.O. Box 769013
Impaired Customers Only San Antonio, TX 78245-9013
TDD: 800-945-0258)

Please read the paragraphs below for important information on your accounts with us. Note that some of these products may not be available in all states.

CHECKING AND SAVINGS

FDIC Insurance:
Products reported in CHECKING and SAVINGS are insured by the Federal Deposit Insurance Corporation. Please consult your Citibank Customer Manual for full details
and limitations of FDIC coverage.
CERTIFICATES OF DEPOSIT
Certificate of Deposit (CD) information may show dashes in certain fields if on the date of your statement your new CD was not yet funded or your existing CD renewed
but is still in its grace period. Updated information will be reflected on a subsequent statement.
In Case of Errors or Questions About Your Electronic Fund Transfers other than for Investment Transactions:
If you think your statement or record is wrong or if you need more information about a transfer on the statement or record, telephone us or write to us at the address
shown in the Customer Service Information section on your statement as soon as possible. We must hear from you no later than 60 days after we sent you the first
statement on which the error or problem appeared.
Give us the following information: (1) your name and account number, (2) the dollar amount of the suspected error, (3) describe the error or the transfer you are
unsure about and explain as clearly as you can why you believe there is an error or why you need more information. We will investigate your complaint and will correct
any error promptly. If we take more than 10 business days to do this, we will recredit your account for the amount you think is in error, so that you will have use of
the money during the time it takes us to complete our investigation.

Citibank is an Equal Housing Lender.

EQUAL HOUSING
LENDER

Citicard, Citicard Banking Center, Checking Plus, MasterCard, Visa, Citibank Preferred Visa and MasterCard, Citibank Platinum Select, Checks-as-Cash, Equity Source
Account, MultiMoney, Citigold, CitiPhone Banking, and Ready Credit are registered in the U.S. Patent and Trademark Office. Safety Check is a service mark of Citigroup, Inc.

TO RECONCILE YOUR CHECKBOOK WITH THIS STATEMENT, FOLLOW THESE SIMPLE RULES

1. List in your checkbook any deposits, withdrawals and service charges which are shown on Checks and Other Withdrawals Outstanding
your statement, but not recorded in your checkbook. Adjust your checkbook accordingly. (Made by you but not yet indicated as paid on your statement)

2. Mark off in your checkbook all checks paid, withdrawals, or deposits listed on your statement. Number or Date Amount

3. List and total in the "Checks and Other Withdrawals Outstanding" column at the right all
issued checks that have not been paid by Citibank together withany applicable check charges
and all withdrawals made from your account since your last statement.

4. Deduct from your checkbook balance any service or other charge (including pre-authorized
transfers or automatic deductions) that you have not alreadydeducted.

5. Add to your checkbook balance any interest-earned deposit shown on this statement.

6. Record Closing Balance here (as shown on statement).

7. Add deposits or transfers you recorded which are not shown

on this statement.

8. Total (6 and 7 above).

9. Enter Total "Checks and Other Withdrawals Outstanding"(from right). Sum of check charges
on above if applicable
BALANCE (8 less 9 should equal your checkbook balance).
Total