CC 0 0 0 U r. U U lot r .-. J J v J w v , o r U w J..1 iU v J ~. r r U U ^ v r N r r v ..+ i r s .s a M r C) C) J - U J C) C ;Z C C) - L if - rr tr r J C) - 5w y rCC W U J~ Cl s o CC'~ 1 lC) C r v0 ) Amok. 10' Zt t Z U3 u Y ij~ a '* J C2 N r , 00 N;co dT N L D N ?i C B r O U > .. L O d v 3 nn y c U >' D O v, ro 3 LL m d N n n_ y E x m U U D w E u ro ro roN E _ E o ° o c°) N d N U pr D N O C M w T! t0 N ,U c ro c E m 3 m o t ^ _ m a U y D O TD = ti 0 D y N- N ^ U C ° T Ewa o m ro > 3 m ^ o° °axE ro a 3 c u- ro w °' O E 'a _ roa L T? U .cn N E C J w°° ncn o d U H fA J U +-' N N pc t ro E y .: w a 3 y N w a 'O c0 Y d :., U E D D Yu c m E J - c ro 0 J ° y E° o N U E_ r y C= a 0 0 0 U ..+ ,_ N C c NU V N O C - 'ry ' ry D m°-. Ct a E °hE v aoroaUUDTa I iriIIIriIIIIIIIriIIIIIihriIIIIriIII I I II II IIEEI tVS66-61'LLZ puelAaejW 'uMnoiSJ~eH SJIVIS 3311Nfl 3HI NI 331IVW :1 AIVSSD3N 391SOd ON eA!JG daoo!1!3 OOLIL *3U1 'Sa3!AJOS I!paoO daocilli3 0/3 VN (viiva Hino0s) )INV8ILIO 33SSa0UGV Ae alVd 38 iM 3OVISOd Gifi 'NMOlS3!DVH L£L ON IlfH3d ~IW SSV10 ISHId lIVIN A1d3d SS3NISfl6 FOLD HERE t 101 luapnlS PHE2A inoA 10 Ado0 V apnlU 01 pajaqaa nloA 8A10H f I rte. NrC -C f) r C) -CC C CC CC 5-C) C) 0 C) t C) (N 0 C) C) C 5- I FOLD HERE I 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