THINK OUT OF THE BOX (THE MAILBOX, THAT IS) 
And get a $5 credit on your AT&T Universal Card statement.

Do away with paper statements. Do it all online.

*  Save paperwork 
*  Save trees 
*  Save time for the important things in life

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Say goodbye to paper statements--copy and paste the URL below: 
http://Universalcard1.m0.net/m/s.asp?HB4800129648X1083748X82304X
Then simply go to "Manage My Account" and click on "Stop 
Paper Statements" 
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YOU PAY YOUR BILL ELECTRONICALLY. 
WHY NOT GET YOUR STATEMENTS THAT WAY, TOO? 

You pay your bills online. Why not get your statements that same 
convenient way? In addition to paying electronically, you'll be 
able to view your statements whenever you like. Online statements 
are another free feature of Account Online. One that frees you of 
paper and paperwork, not to mention paper cuts.

GET A $5 CREDIT ON YOUR AT&T UNIVERSAL CARD STATEMENT.

When you sign up before November 30, 2001, you'll receive a 
special bonus: a $5 credit on your AT&T Universal Card statement.* 
Simply manage your account electronically for four statement 
periods, and we'll automatically credit your account.

YOU'RE A FEW CLICKS AWAY FROM LESS PAPERWORK IN YOUR LIFE.

Instead of filing, sorting and trying to remember where you 
put things, get your AT&T Universal Card statements online. An email 
each month lets you know that your statement is ready. 
Simply log on to Cardmember Central to get your bill or make 
your payment. Still want a paper statement? Just print it out. 
A click's a lot faster than waiting for snail mail. So you'll 
save some time for more important things. Like life. 

Not only will you do away with paper statements, you'll be 
on your way to getting a $5 statement credit.

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Say goodbye to paper statements, copy and paste the URL below: 
http://Universalcard1.m0.net/m/s.asp?HB4800129648X1083751X82304X
Then click on the link under "All Electronic." 
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*If you have already registered for the All-Electronic option, 
you are not eligible for the $5 statement credit. You must 
register by November 30, 2001 in order to qualify. In addition, 
you must be enrolled in All-Electronic for four consecutive 
months to be eligible. No statement credits will be awarded 
to accounts enrolled in All-Electronic for less than four consecutive 
months. Statement credit will be posted on your March 2002 statement. 
Your account must remain open and in good standing per your AT&T 
Universal Card member Agreement at the time of fulfillment to qualify.

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ABOUT THIS MESSAGE 
If you have difficulty linking to any of the above URLs, simply cut 
and paste this URL into your browser: 
http://Universalcard1.m0.net/m/s.asp?HB4800129648X1083752X82304X

This is a message from Universal Card Services Corp. If you'd like to 
choose the kinds of email messages you receive regarding special 
offers and promotions, or if you'd prefer not to receive these kinds 
of messages, please go to:
http://universalcard1.m0.net/m/u/cuc/c.asp?e=HARRY.ARORA%40enron.com

HAVE QUESTIONS ABOUT YOUR CREDIT CARD?
Please understand that we cannot respond to individual messages 
through this email address. Email is not a secure form of 
communication and should not be used for credit card account 
related questions. 

For questions about your credit card, please follow these steps: 

     1. Sign on to Cardmember Central at www.universalcard.com 
     2. Click on the "Help/Contact Us" menu 
     3. Use the "Write to Customer Care" feature 

UNIVERSAL CARD SERVICES CORP. IS COMMITTED TO YOUR PRIVACY
As a member of Citigroup, Universal Card Services Corp. is committed 
to the Citigroup Privacy Promise for Consumers. We will safeguard any 
information customers share with us according to strict standards of 
security and confidentiality. For our full privacy policy, please 
go to: 
http://Universalcard1.m0.net/m/s.asp?HB4800129648X1129473X82304X