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We encourage you to understand some important information about the Citibank Classic Card.
Annual Percentage Rates Currently (December 1, 1993): 15.4% for purchases; 19.8% for cash advances.
Variable Rate Information The annual percentage rate for purchases may vary each calendar quarter. We will
calculate the variable rate by adding 9.4% to the rate disclosed as the U.S. Prime
Rate reported in the "Money Rates" table of The Wall Street Journal on the third
Tuesday of March, June, September and December of each year. This rate will not
be lower than 12.9% or higher than 19.8%. However, if cardmembers fail to keep all
their Citibank accounts in good standing, the rate will increase to 19.8% on the full
purchase balance.
Annual Fee None, when you apply as a student.
Grace Period for Repayment 20-25 days
of Balance on Purchases
Minimum Finance Charge 500
Method of Computing the Balance Average Daily Balance (including new purchases)
for Purchases
Transaction Fee for Cash Advances At a financial institution or by check, 2% of amount of advance but not less than $2
or more than $10. At an Automated Teller Machine, $1.75.
Late Payment Fee $15
Over-The-Credit-Limit Fee $10
co
0
The information about the services and fees of the card described in this application is accurate as of December 1, 1993. This information may have changed after that date.
For further information, write to Citibank (South Dakota), N.A., c/o Citicorp Credit Services, Inc., P.O. Box 6030, Hagerstown, MD 21741.
By signing this application, I authorize Citibank (South Dakota), N.A., to check my credit history and if I am issued a card, exchange information about how I handle my
account with proper persons, affiliates and credit bureaus. I authorize my employer, my bank and any other references listed on the other side to release and/or verity informa-
tion to Citibank (South Dakota), N.A., and its affiliates in order to determine my eligibility for the Citibank Classic card and any renewal or future extension of credit. If I ask, I
will be told whether or not consumer reports on me were requested and the names of the credit bureaus with their addresses that provided the reports. If I designate any
authorized users, credit bureaus may receive and report account information in the authorized users' names. I certify that I am 18 years of age, or older, and that the informa-
tion provided is accurate. I understand that if I use the card or authorize its use or do not cancel my account within 30 days after I receive the card, the Citibank Agreement
sent to me with the card will be binding on me, I have read and understand the disclosure box above. Terms and conditions are subject to change. In order to be considered
for a Citibank Classic card you must complete and sign this application. Omission of any of the information requested in this application may be grounds for denial.
01993 Citibank (South Dakota), NA. Mem9DIC m gon BICD 12/93