Citibank Online Signature Page

Signatures and Acceptance

Title: Frank Gencarelli Address: 189 GORDON PL FREEPORT, NY 11520-5617

For Internal Use Only    Individual Account #:___________________________________    FIMP:___________

	Signer/Account Holder	Tax-ID Number
1	Frank Gencarelli	123-50-0500

BY SIGNING THIS DOCUMENT, I: (1) certify my tax status; (2) accept the Account Opening Procedures described in this document; (3) agree to the terms and conditions for my account(s) contained in the Citibank Online Client Agreement provided to me; (4) agree to be bound by any agreement governing any account opened in the title indicated on this sheet; (5) understand and acknowledge that such an account agreement provides that either Citibank or I can require that any disputes between us concerning the Citibank account I have opened or concerning my other Citibank deposit, Checking Plus or Ready Credit accounts will be resolved by binding arbitration; and (6 ) waive confidentiality protections of California Vehicle Code section 1808.21 . TAX CERTIFICATION: Under the penalties of perjury I certify that (1) the number shown above is my correct Tax Identification Number and (2) I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding and (3) I am a U.S. person (including a U.S. resident alien). CERTIFICATION INSTRUCTIONS: You must cross out item (2) above if the IRS has notified you that you are currently subject to backup withholding because you have failed to report all interest or dividends on your tax return. If you are exempt from backup withholding, write "Exempt" on this line: ______________ and sign by the arrow. The Internal Revenue Service does not require your consent to any provision of this document other than the certifications required to avoid backup withholding.

Signer 1 /Applicant   Frank Gencarelli  Date:____________   (please sign inside box with blue or black ink only)

Account Opening Procedures

By signing this document, I authorize Citibank ("you") to accept instructions from me to open/close accounts, apply for credit and request services, without my further original signature. You may accept my oral or electronic instructions with the same effect as if I had signed them. I agree to follow your security procedures and to provide my signature upon request. You may at any time refuse to accept such instructions. I understand that when I provide information to a Citibank representative, I am also providing it to all other companies in the Citigroup family doing business at that location so that they can better assist me when I deal with them. I authorize you to record and monitor my telephone calls as evidence of my instructions and for service quality purposes. In addition, I authorize you to obtain a consumer report in connection with the application, update or renewal of any loan or deposit account I apply for and I understand that you may obtain such reports. If I am applying for a deposit account, you may review my credit report to determine if I qualify for Checking Plus ® or any other credit account. Upon request, you will inform me if a consumer report has been obtained and will give me the name and agency furnishing the report.   Citibank, N.A., Citibank, F.S.B., Citibank (West), FSB. Member FDIC.         — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — —

Application Summary  (mail in this section with your Signature Page)

ACCOUNT PROFILE CIN - XXXX-XXXX-XXXX-6701

ACCOUNT TYPE: Individual PRODUCTS: Checking Plus Credit requested: $3,000.00  linked to account XX-XX0019

Applicant Information

Name Frank Gencarelli Date of Birth 06/27/1956 SSN/Tax ID 123-50-0500 E-Mail fgencarelli@yahoo.com Phone Number Home Work (516) 377-3474 (631) 467-2577 Address Home 189 GORDON PL FREEPORT, NY 11520-5617 From: 01/2000 Residence Rent $700.00 Identification Drivers License or State-Issued ID NY 189 570 269 Issued: 05/28/2003 Expires: 06/27/2011 American Express Account #: 371577134271004 Expires: 12/2005 Mother's Maiden Name obrien 1st Grammar School Attended our lady of victory Number of Dependents 1 Current Employment Information Status   Employed - Full Time Position   Civil Service-Forest Ranger, Forester Name of Employer   US Dept of Homeland security Type of Business   Government Employer's Address   0ne corporate drive GL4 Bohemia NY 11716 USA Employer's Phone   (631) 807-7789 Start Date   April 2002 Financial Information Annual Income Sources Total Base Salary   $46,000.00 Overtime   $0.00 Dividends   $0.00 Bonus   $0.00 Commissions   $0.00 Net Rental   $0.00 Interest   $0.00 Other Income   $34,500.00 pension Total   80,500.00 Other Obligations Required to pay alimony, child support, or separate maintenance?   No

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