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.
All you need is a photocopy of your current vali-
dated student ID.
Then, just choose one of
our cards: A Citibank
Classic Visa®or MasterCard* ,r"RA

Either one will give you a head start establishing
credit. And because we'd like a long-term relation-
ship with you, we'll review your account periodically*
so we can increase your credit line.
What's more, as a Citibank cardmember, you can
use your Citibank card at over 7 million establish-
ments worldwide and get cash anytime at over
42,000 Automated Teller Machines (ATMs).
Just follow the simple steps outlined below.
And remember, even though most
banks are looking for reasons to say no,
Citibank wants to say yes.

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Here's How You Apply:

Q Tear off the application. (Use the perforations,
they make life easier.)
Q Fill it in.
Q Photocopy (both sides) of your current
validated student ID or your tuition bill for
the current semester.
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 21741-8000
u Seal the envelope. Put a stamp on it.
Mail it.
Q Your application will be reviewed promptly.

We encourage you to understand some important
information about Citibank Classic cards.
Annual Percentage Rate
for Purchases 19.8%
Annual Fee $20
Grace Period for
Repayment of the Balance
for Purchases 20-25 days
Minimum Finance Charge 500
Method of Computing the Average Daily Balance
Balance for Purchases (including new purchases)
Transaction Fee At a financial institution
for Cash Advance 2% of amount of
advance but not less
than $2 or more than
$10. At an automated
teller machine, $1.75.
Late Payment Fee $10
The information about the costs of the card described in this application
is accurate as of October 1990. This information may have changed after
that date. To find out what may have changed, write to Citibank (South
Dakota), N.A., PO. Box 6035, Hagerstown, MD 21741.

CITIBAN(O

WISCONSIN RESIDENTS ONLY: Wisconsin law provides that no agreement, court order, or individual statement applying to marital property will affect a creditor's interent anlens prior to the time credit in granted the creditor is
tarnished with a copy of the agreement, coart order, or statement, or has actual knowledge of the adverse provision. Copyright, Citicorp 1990 Citibank (South Dakota) N.A. Member FDIC