Why it's easy for students to get
a Citibank credit card.

As a student, you've obviously been through a lot-
lengthy lectures, grueling exams, numerous papers.
And Citibank thinks you deserve credit for all that.
That's why we've made it easy for you to apply
for credit.
You don't even need your parents to
co-sign. (What other bank makes it that easy?) i
All you need is a photocopy of your validated
student ID with current enrollment sticker.
The only other thing is to choose one of our
cards. A Citibank MasterCard® or Visa® card.
Either one will give you a head start estab-
lishing credit. And because we'd like a long-term
relationship with you, we'll review your account
periodically so we can increase your credit line.
What's more, as a Citibank cardmember, you can
get cash 24 hours a day, 7 days a week. From the
largest network of automatic teller machines across
the country.
So just follow the simple steps outlined below.
And remember, even though most banks are
looking for reasons to say no to you, Citibank wants
to say yes.
D Tear off the application. (Use the perforations,
they make life easier.)
Q Fill it in.
L Photocopy (both sides) of your validated
student ID with current enrollment sticker.
Q Put everything in an envelope.
Write our address on the envelope:
Citibank (South Dakota) N.A.
Citicorp Credit Services, Inc. (MD)
One Citicorp Drive
Hagerstown, Maryland 21748-0002

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Q Seal the envelope. Put a stamp on it.
Mail it.
L Remember, good things come to those who wait.

CITIBAN<
A CITICORP COMPANY

DISCLOSURE BOX
Annual Percentage Rate Variable Rate Index and Spread Annualized Membership Fee
19.8% for Purchases and Cash Advances. Does Not Apply. $20.
Grace Period/Free Ride Period Cash Advance Late Payment Over the Limit Fees and
On purchases you will have a grace period or "free Fees and Fees Other Charges
ride" period of at least 25 days calculated from the Transaction Fees The fee is $10 for Over the Limit Fee: None.
statement closing date to the payment due date. If If taken at a financial each billing period Bad Check Fee: $10. Minimum
you do not pay your new balance in full by the pay- institution, 2% of in which your mini- Finance Charge: 50( for each
ment due date, you will be assessed a finance charge amount of advance but mum payment is billing period in which a finance
on the then outstanding balance and on future pur- not less than $2 or not received within charge, based on a periodic rate, is
chases from the date such purchases are posted to more than $10. If taken 25 days after pay- payable. Collection Fees: Lawyers
your account. On cash advances, finance charges are at Automated Teller ment due date. fees plus court costs or any other
assessed from the day you take the cash advance Machine, $1.75. fees as allowed by law.
until the day we receive payment in full.
WISCONSIN RESIDENTS ONLY: Wisconsin law provides that no agreement, court order, or individual statement applying to marital property will affect a creditor's interest unless prior to the time credit is granted the creditor is
furnished with a copy of the agreement, court order, or statement, or has actual knowledge of the adverse provision. Copyright, Citicorp 1988 Citibank (South Dakota) N.A. Member FDIC

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