ocr: "You don't need. four degrees to understand how easy iti iS to save with the Ford Citibank Card. David Joyce B.A, M. Divinity, M.S., Ed.D. Saved $1,040 E David, Joyce calls it the Ph.D. of credit cards. Because every time he uses the Ford Citibank Card, he gets 5% back. Socan you. And that can: add up to a huge moncy-saving Ford Rebate" toward the purchase or Red Carpet Lease ofany Mercury. new So Ford, make your Lincoln, best or deal o. à OpL CTIBANO better one. It's the smart :4 0D12 3455 an even thing to do. Call 1-800-374-7777 VISA for the Ford Citibank Card. The No-Annual-Fee Ford Citiban ...