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We encourage you to understand some important information about the Citibank Classic Card.

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Annaal Perientaga Rates Currently (Decemeber 1, 1993): 15.4%fortpurchases; 19.8%tforcash advanaes.
Sariable Rate Inforationje The annual percetage rate torpurchases may vary each calendar quarter. Weawi
calculate the variable rate by addieg 9.4% to the rata discosed as the U.S. Pereme
Rate repoted it the "Mney Rates" table at The Wall Street Journal ae the thitd
TuesdayatfMarch, June, Septeteretand Decemeber oteach year. This rate will eat
be lowet than t2.9% ar highet than t9.R%.Howeee,iteardemeebers tafail enepall
haer itibank aaeoents an Road standing, the rte will iectease to 19.8% at the tall
yurchase halancee.
Annual Fee Naee, whbouapaply as a stadent.
Grace Reied tor eeyayenet 20-25 days
atofalatce at Putchases
s MietmumeFnanceeChargee S0
Methad at Compyuting the BalanehAverage Daily Balance (including tew putehases)
tor Purchases
Tansactiae FeeerCashfdaaceas Atatfinancial institutianearbyecheck, 2%ofamaoeattaftadvaance butaotless thane$2
omoethae $10. At an Autaoeated Tolet Machine, Ot1.75.
Late PayenetFee $15
Ovee-The-Credit-Limeit Fee $tS
The itformatiot abotet teeies etatoes oftetcard descibed it this applcatiot is accurtetstofatDecembee 1, 1993. This ietoematon may hate changod atter thee date.
Fotrthe notinee.raete te Citibank (Sott Dakota). N.0., c/a Citcotp Ctedie Servics, Itc., RP..Raex6030. Hgestoat, RD D1741.
Ry signing tie ayplication, I autorieeCitibatnk (teeth Dakoa),.NRU. to cheek my crediethislty aed it l am issued aecatd, excatge intormationeaboteohandle my
accote aitrpeper esons, atiliateseend credit tattoos. I ateerizemyoemploeremy bankeend aty otherefeoences iseed oatheaother ide ta releaseand/ao etity intorma-
toe to Cieibnk (Soth Dakota). RUA. and its atilites it erdetoe dtemine my eligibilitytforihe Citibank Classic caeed ahS eew aofetturetensioneoftcredit. It leesk, I
will be told whette a nt consumerepeomarts nmeaweegqusted and teaes atthe creditbtrattoswittheireaddresses thee provided therepords. III dsignate a
auteorieod setscrediltattooas may receive ad ordtapdacot ittormeat itinthe aethorized coats' tames.)I certiythat I10011 yeatsofaeoratoldee, atdthal teintorma-
leen provided is accurte. 1Iuoerstd that it)I use thecao aautotiei itsuyeaortdo eat caneel my aecottwithin 3O days after Ireacee the card, the Ciiankygreement
settto me with the coed will be bitditg at me. I have teed and understeed the disclosute boxoabove. Termseend cotditiots aresubject to chatge. Is artereto hecsnesidered
sera Citibank Classccard youanastecompleteaned sige this application. Oissioneoclasp ofthle iefoemationeeequesteet iethis applicatioe may hbetuedstfordenial.
©1993 Citibatk (Deth Doa), N.A. MemerneFDIC BICD 12/93

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