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

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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?)
All you need is a photocopy of your student
ID-and you must be a junior, senior or
graduate student.
The only other thing is to choose one of our
cards. A Citibank MasterCard~orVisa~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.
Q Tear off the application. (Use the perforations,
they make life easier.)
O Fill it in.
l Photocopy your ID or other verification.
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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L Seal the envelope. Put a stamp on it.
Mail it.
L Remember, good things come to those who wait.
CITIBAN(O
A CITICORP COMPANY

Annual Percentage Rate Variable Rate Index and Spread Annualized MembershipFee
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 ride" Fees and Fees Other Charges
period calculated from the statement closing date to Transaction Fees The fee is $10 for Over the Limit Fee: None.
the payment due date. If you do not pay your new bal- If taken at a financial each billing period Bad Check Fee: $10. Minimum
ance by the payment due date, you will be assessed a institution, 2% of in which your min- Finance Charge: 50t for each
finance charge on the then outstanding balance and amount of advance but imum payment is billing period in which a finance
on future purchases from the date such purchases are not less than $2 or not received within charge, based onsa periodic rate, is
posted to your account. On cash advances, finance more than $10. If taken 25 days after pay- payable. Collection Fees: Lawyers
charges are assessed from the day you take the cash at Automatic Teller ment due date. fees plus court costs or any other
advance until the day we receive payment in full. Machine, $175. fees as allowed by law.
W NS EI NTONL: isconsinlawprovidesthatno agreement, courtorde, or inivdual statement appying to marital property wll affect a creditor's interest unless prior to the time credit is granted the creditor is
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Copyright, Ctcop 1987 Ctbank(South Dakota), N A. emerFDIC