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    Important Information Regarding Your Credit Limit

    Account Ending In: 0612


    Best Buy Credit Services www.bestbuy.accountonline.com
    P.O. Box 6084
    Sioux Falls, SD 57117-6084

    JESSE R DAVIS
    566 EVERGREEN ST NE
    PALM BAY, FL 32907-2002

    November 7, 2015

    Dear JESSE R DAVIS,

    Why we're writing you


    We appreciate your business as a Best Buy® Credit Card customer. Based on a recent review of your account, we found it
    necessary to decrease the credit limit on your Best Buy ® Credit Card account. Effective immediately, your new credit limit is
    $850.

    If you haven’t done so already, please register your Best Buy ® Credit Card account with Account Online. Account Online allows
    you to conveniently view, manage and pay your bill online. To register, visit www.bestbuy.accountonline.com and sign up today!

    How we made our decision


    Our decision was based on a recent delinquency on your account. In addition, our decision was also based on a credit scoring
    system that assigned a numerical value to various items on your credit report. The result did not meet our requirements due to
    the following reason(s):

    • Length of time credit history has been established


    • Balance on your account with us
    • Balance on your account
    • History of delinquent credit obligations on your account with us

    Our credit decision was based, in whole or in part, on information obtained in a report from the following consumer reporting
    agency:

    Equifax Credit Information Service


    P.O. Box 740241
    Atlanta, GA 30374-0241
    1-800-685-1111
    www.equifax.com

    Please note, other than providing information, the reporting agency played no part in our decision and is unable to supply the
    specific reasons why your credit limit has been decreased.

    Continued on reverse side


    CR/6127/903870010002
    Free copy of your credit report
    You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting
    agency. We encourage you to review your credit report for accuracy.

    You also have a right to a free copy of your credit report from the consumer reporting agency, if you request it no later than 60 days
    after you receive this notice. In addition, if you find that any information contained in your report is inaccurate or incomplete, you
    have a right to dispute the matter with the consumer reporting agency listed above.

    Information about your credit score


    We calculated your score with information from this consumer reporting agency and used it in making our credit decision. Your
    credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how the
    information in your credit report changes.

    As of 11/2015 your credit score is 381. Credit scores range from a low of 001 to a high of 998. The key factors that adversely
    affected your credit score are:

    • Length of time credit history has been established


    • Balance on your account with us
    • Balance on your account
    • History of delinquent credit obligations on your account with us

    How to contact us
    If you have additional questions, our Representatives are available to assist you. Please contact us at the phone number below.

    We apologize for any inconvenience this may have caused and look forward to the opportunity to serve you in the future.

    Sincerely,

    Manager, Credit Review


    Phone: 1-888-908-0031
    TDD/TTY – Hearing or Speech Impaired: 1-888-824-2323
    Monday through Sunday, 9:00 a.m. - 12:00 a.m., ET

    NOTICE: The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of
    race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding
    contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in
    good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this
    law concerning this creditor is the Bureau of Consumer Financial Protection, 1700 G Street, N.W., Washington, DC 20006.

    The creditor is Citibank, N.A., 701 E. 60th St. N., Sioux Falls, SD 57104. Please direct any questions to the return address on this
    letter.

    Thank You

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