ok quick update, So I finally go back to Citi to ask for my Agreement, which by their own booklet says I can get a copy of anytime. I get the same woman again who once again tells me No you can't get a copy. I pull out the book and show her where it says that I can. (not please one bit about it) she goes to the files to pull the agreement. After 20 mins or so she comes back and lets me know that they do not have it. She claims it may be misfiled. No problem I have filled out a new agreement and will be taking it in to replace the old one, of course with lawful money verbiage on it. I want all transactions redeemed for lawful money. Will they accept it...stay tuned.