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SAVE AS MUCH AS 10% ON AT&T PRODUCTS AND SERVICES. CALL, EMAIL, TEXT, SURF, CHAT, WATCH AND MORE. U [iM| (i) ® V J V :: / Immmmi .iu.it J W W INTRODUCING The New AT&T Universal Savings Platinum Card WHY WAIT TO SAVE? GO TO WWW.VALUE.UNIVERSALCARD.COM, OFFER CODE NIF3 OR CALL 1-800-859-8463 BY 2/15/08. 'For each dollar you spend on eligible AT&T products and services that matches the amount you spend on other purchases, you will receive 10% savings on those AT&T purchases in the first 12 months and 5% thereafter. You may save a maximum of $350 per calendar year. ■'After promotional period, standard APR for purchases will be applied to all balances. As of October 1, 2007, standard variable • APR for purchases - 12.74%, standard variable APR for cash advances - 22.74%. However, if you default under any Card Agreement, we may automatically increase the rate on balances (including promotional balances) to a variable default rate of 31.74%. Minimum finance charge - $0.50. Foreign purchase transaction fee - 3.0% of purchase amount after conversion to U.S. dollars. Cash advance fee - 3.0% of cash advance amount, $5 minimum. Balance transfer fee - 3.0% of balance transfer amount, $5 minimum. Additional reward limitations, terms and conditions apply. You wilt be given further information when you apply. New cardmembers only. Subject to credit approval. ©2007 Citibank (South Dakota), N.A. Citi and Citi with Arc Design are registered service marks of Citigroup Inc. AT&T and the AT&T Logo are trademarks of AT&T Knowledge Ventures, licensed to Citigroup Inc. MasterCard® is a registered trademark of Master Card International Incorporated. The AT&T Universal Savings Platinum Card is issued by Citibank (South Dakota), N.A. Cltl AT&T Universal Card ■ Up to 10% off eligible AT&T products and services for the first 12 months:* wireless, home phone, phone accessories, Internet, digital TV and more ■ 0% APR on balance transfers until 1/1/09” ■ No annual fee at&t Universal Savings CIV.(XI. PLATINUM SH3I 345 b 1830 I£3H 5491 Valid from Expiration date < 07/07 00/30/10 L UALKCP Member r\ 'j Calling BoneMft: at&t