[IMAGE]	        October 2001	


	         Cardmember Central Newsletter	


[IMAGE]	This monthly        newsletter will help you get the most from your online experience with us,        and keep you informed of the latest features of Citi
        online products and services. To find out more, visit Cardmember        Central . 		[IMAGE]	 In this issue:          ?   Stop              Receiving Paper Statements  in the Mail and Get a $5 Statement Credit*  ?   Sort              Your Transactions ?View Your Unbilled Transactions and Statement Activity          ! Your Way  ?   #2              ranking by Gomez  for Top Internet Credit Card Sites  	


		
		
		
		
[IMAGE] [IMAGE] [IMAGE] [IMAGE]          	 Stop Receiving Paper Statements in the Mail and Get a $5 Statement Credit  With the free All-Electronic option, you can stop getting a paper statement in the mail     each month and be notified by email when your latest statement is available for online viewing. After enrolling, you're on your way to     earning a $5 statement credit. This offer expires November 30, 2001.*  Once you've received your email statement notice, sign?on to Cardmember        Central  from any computer, anywhere, and securely view your stat! ement        in its entirety. You can then choose to download it, file it, or print a        copy. Even if your computer crashes, your information is safely stored in        our network and will not be affected.   What makes this option so appealing is the ability to click on an individual        transaction to view the details behind it. In the paper world, you?d        have to pick up the phone and call us to get the same information. Opting        for All?Electronic also means that you have the power of paying online with        Click?to?Pay
. Not only does        your paper statement stop, but the traditional paper check, envelope and        stamp disappear too.  It takes just a few minutes to enroll. Sign-on         to Cardmember Central. From the Manage My Account Menu, go to Stop! Paper        Statements. This no-cost service will become effective at the beginning        of the next billing cycle. All-Electronic is the perfect way to manage your Citi        credit card accounts on the Internet.  Return        to the Top   Sort Your        Transactions?View Your Unbilled Transactions and Statement Activity Your Way.  The advantages of viewing        your statement through Account Online keep adding up. Now you can sort your        unbilled and statemented transactions in any order that meets your needs.        Simply click on what you want to sort by and it does it automatically. Sort        and view all account activity in ascending or descending order by:       !   Transaction date           Posting date           Merchant name or description           Amount   To see how it works, sign-on         and view an online statement or your unbilled activity.  Return        to the Top    #        2 Ranking by Gomez for Top Internet Credit Card Sites.   Based on        our newly designed Internet site, Cardmember Central at citicards.com         rose to the # 2 overall ranking by Gomez for Top Int! ernet Credit Card Sites.  We also ranked #1 for Ease of Use and #1 in Relationship Services!  It?s through your feedback that we?re able to provide the best        online experience available. A big "Thank You" for your        comments about Cardmember Central! Feel free to contact us with your views        concerning this newsletter, through the Help/Contact Us menu at     Cardmember Central .   Return to the Top  	


  	     *If! you have already registered for the All-Electronic option, you are          not eligible for the $5 statement credit. You must enroll by November          30, 2001 in order to qualify. In addition, you must be enrolled in All-Electronic          for four consecutive months to be eligible. No statement credits will          be awarded to accounts enrolled in All-Electronic for less than four consecutive          months.  Your statement credit will be posted on your March 2002 statement. Your account    must remain open and in good standing per your Citibank Cardmember Agreement at    the time of fulfillment to qualify.  If you have difficulty linking to any of the above URLs, simply cut and paste this URL into your browser:          http://info.citibankcards.com/cgi-bin/gx.cgi/mcp?p=036$v036_i4RFMP012000m9Puc9P$t  Notice: If you do not wish to receive future email updates about the exciting          offers and s! ervices available to you as a Citibank cardmember, go to:          unsubscribe   This message is for information purposes only.   Please understand that          we cannot respond to individual messages through this email address. It          is not secure and should not be used for credit card account related questions.  For credit card account related questions, sign-on to  Cardmember          Central  and use the Write to Customer Care feature under the Help/Contact Us menu.  ? 2001 Citibank (South Dakota), N.A. Member FDIC  All rights reserved. Citibank is a registered service mark of Citicorp. 	

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