Apply Now for the AT&T Universal Business Rewards Card

What drives you as a small business owner is the same thing that drives us. Work smarter. Save time. And always find fresh ways to improve how business gets done. That's why we developed the new AT&T Universal Business Rewards Card. Get one of the broadest reward networks and a full suite of innovative financial services. You're driven, so get rewarded for it. Apply Now

3 ThankYou® Points for every $1 spent on purchases at certain office supply merchants, gas stations, and on professional services 1 ThankYou® Point for every $1 spent on other purchases Earn up to 100,000 points in a calendar year Redeem your points for: air travel, statement credit, gift cards, merchandise and more				Additional cards for employees with credit limits you set Prescription Discount Benefit Program for cardmembers and their dependents Manage your account online No annual fee*
	www.thankyou.com

* TERMS AND CONDITIONS
Length of your introductory period will be 0.0% for 6 months from the date of cardmembership on purchases. After the introductory offer ends the standard purchase APR will be applied. The standard variable APR for purchases is 16.99% and the APR for cash advances is a variable rate of 21.99%.The variable Penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. Minimum interest charge - $0.50. Fee for Foreign Purchases -- 3% of the U.S. dollar amount of each purchase made outside the U.S. Cash advance fee -- Either $5 or 3% of the amount of each cash advance, whichever is greater. Balance transfer fee -- Either $5 or 3% of the amount of each transfer, whichever is greater. New cardmembers only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply. Annual fee: none.

** AT&T Universal Business Rewards Card
Citi® ThankYou® Rewards Terms and Conditions

• ThankYou Rewards is offered to certain cardmembers who are the Authorized Officer ("you") at the sole discretion of Citibank (South Dakota), N.A. ("we"), the issuer of your card account ("Card Account"). ThankYou Rewards or any portion thereof may be revised or terminated with thirty (30) days prior written notice. Any revisions may affect your ability to use the ThankYou Points you have already accumulated. If ThankYou Rewards is terminated, you will only have ninety (90) days from termination date to redeem all your accumulated ThankYou Rewards points ("ThankYou Points"). ThankYou Rewards and the ThankYou Point levels required for specific rewards are subject to change without notice.

• Unless you are participating in a limited-time promotional offer, you will earn five (5) ThankYou points for every dollar you spend on eligible AT&T products and/or services purchased directly from AT&T; purchases of AT&T products and/or services through the Enterprise sales channels are not eligible to receive the five (5) ThankYouPoints.

• Unless you are participating in a limited time promotional offer, you will earn three (3) ThankYou Points for every dollar you spend on purchases at certain office supply merchants, gas stations, and on professional services, and one (1) Thank You Point for every dollar you spend on other purchases. You can only earn ThankYou Points on purchase transactions, no other transactions qualify.

• Office supply merchants are defined as stand–alone merchants that primarily sell stationery and office supplies for business consumption. Gas stations are defined as stand-alone merchants that primarily sell vehicle fuel for consumer use. Professional services are defined as stand-alone tax preparation, accounting, bookkeeping, and legal services providers that provide their respective services to businesses. Purchases not eligible to receive the three (3) ThankYou Points include, but are not limited to, purchases made at warehouse clubs, discount stores, and convenience stores. Online and catalog purchases are not eligible to receive the three (3) ThankYou Points unless the merchants appropriately identify the transactions.

• We do not determine whether merchants appropriately identify all transactions you make on your Card Account, but we do reserve the right to determine which purchases qualify for ThankYou Points. You can earn up to one hundred thousand (100,000) ThankYou Points during any calendar year (eligible purchases appearing on your January–December billing statements). You may earn ThankYou Points as long as your Card Account is open and current. ThankYou Points expire three (3) years from the end of the month in which they are earned unless ThankYou Rewards is terminated.

• If you are approved for a Card Account, a ThankYou Rewards Member Account ("ThankYou Member Account") will be set up for you, the Authorized Officer. ThankYou Points post to your Card Account at the close of each billing cycle, and at that time we will transfer ThankYou Points you earned to your ThankYou Member Account. The ThankYou Points transferred to the Authorized Officer's ThankYou Member Account will include those earned through purchases made with an additional employee card. ThankYou Points are not eligible for redemption until they are transferred to your ThankYou Member Account. ThankYou Points may not be redeemed and may be lost if your Card Account is not open or current. ThankYou Points can only be redeemed by the Authorized Officer, but may be used for another person.

AT&T and the AT&T logo are trademarks of AT&T Intellectual Property, licensed to Citigroup Inc.

Citi ThankYou Rewards Design is a service mark of Citigroup Inc.

www.universalcard.com