Show 5 - K Bonus Points toward your first reward vv Emil point for every dollaryou spend on purchases Redeem points for dining shopping travel certificates merchandise and much more Youm redeem points’ any timestarting as tow as 100 points 0 APR on Purchases and Balance Transfers until May 12004 No Anmial fee thereafter FIXED - No Balance Transfer fees with this offer AIXr Calling Card feature Built-i- n - &99 M’: ' Worldwide Acceptance at over 32 million locations Call j Apply by December 15 2003 ' Points earned under the Universal Savings Program accumulate on the basis of l point per dollar spent on purchases Ybur acciiunt must be operf arid no( in default under any Card Agreement Point expire three years from the end of the calendar year in which they are earned unless we terminate the Program Cash Advances balance transfers fees and finance charges do not com paints Unless specifically stated otherwise: We may revise or terminate the Program or1 an' portion thereof with 90 days' prior written notice Rewards may be terminated substituted or changed without prior notification “ After the promotional period die standard APR for purchases will he applied to all remaining balance transfer and promotional purchase balance amount ' (As of August L 20(8 me standard APR Tor purchases Tor the ABET Universal Platinum MasterCard is HlWfc the standard eariahle APR For cash advances 1999) However if you are ip default under any Card Agreement we may immediately increase the rale on all balances (including any promotional balances) to a variable default rate of Z799& The minimum finance charge is SttSl The transaction fee few cash advances is HWbof the amount of each cash advancebut not less than $S The transaction fee for balance transfers is 50 of the amount of each balance transfer hut not less than $5 or mote than $50 ' ' However we w3 waive the balance transfer transaction fees on balances yotj transfer in response to this offer The membeiship fee isMt This APR is not permanent and is subject to chaise This means it may chanfte immediately to a higher variable or fixed APR if ytxi default under any Card Agreement or it may change with advance notice all in accordance with the Card Agrcemfentsent with your card C2003 Citibank (South Dakota) NA i Citibank (South Dakota) MAb the issuer of the AUtT Universal Card IW3 |