CITIGROUP INC
SC 13D/A, 2000-12-05
NATIONAL COMMERCIAL BANKS
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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549
                                  SCHEDULE 13D/A

                    Under the Securities Exchange Act of 1934
                                (Amendment No. 5)*


                  Telynx, Inc. (formerly known as Cambio, Inc.)
--------------------------------------------------------------------------------
                                (Name of Issuer)

                              Class A Common Stock
--------------------------------------------------------------------------------
                         (Title of Class of Securities)

                                   87972E-10-0
--------------------------------------------------------------------------------
                                 (CUSIP Number)

--------------------------------------------------------------------------------
                             Joseph B. Wollard, Esq.
                                 Citigroup Inc.
                           425 Park Avenue, 3rd Floor
                               New York, NY 10043
                                 (212) 559-1000
--------------------------------------------------------------------------------
       (Name, Address and Telephone Number of Person Authorized to Receive
                          Notices and Communications)

                                October 13, 2000
        ---------------------------------------------------------------
             (Date of Event which Requires Filing of this Statement)


If the filing person has previously  filed a statement on Schedule 13G to report
the  acquisition  that is the subject of this  Schedule  13D, and is filing this
schedule because of ss.ss.240.13d-1(e),  240.13d-1(f) or 240.13d-1(g), check the
following box.

Note:  Schedules  filed in paper format shall include a signed original and five
copies  of the  schedule,  including  all  exhibits.  Seess.240.13d-7  for other
parties to whom copies are to be sent.

*The  remainder of this cover page shall be filled out for a reporting  person's
initial filing on this form with respect to the subject class of securities, and
for  any  subsequent   amendment   containing   information  which  would  alter
disclosures provided in a prior cover page.

The information required on the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the  Securities  Exchange  Act of
1934 ("Act") or otherwise  subject to the liabilities of that section of the Act
but  shall be  subject  to all other  provisions  of the Act  (however,  see the
Notes).

<PAGE>

---------------------------------                   ----------------------------
CUSIP No. 87972E-10-0                                       Page 1 of 12 Pages
--------------------------------------------------------------------------------
1)       NAME OF REPORTING PERSON
         S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON

         The Travelers Insurance Company ("TIC")
--------------------------------------------------------------------------------
2)       CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
         (a)   [X]
         (b)   [ ]
--------------------------------------------------------------------------------
3)       SEC USE ONLY

--------------------------------------------------------------------------------
4)       SOURCE OF FUNDS*
         WC
--------------------------------------------------------------------------------
5)       CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO
         ITEMS 2(d) OR 2(e)
                                                                  [ ]
--------------------------------------------------------------------------------
6)       CITIZENSHIP OR PLACE OF ORGANIZATION

         Connecticut
--------------------------------------------------------------------------------
                           7)      SOLE VOTING POWER
NUMBER OF                          0
SHARES                ----------------------------------------------------------
BENEFICIALLY               8)      SHARED VOTING POWER
OWNED BY                           2,065,000
EACH                  ----------------------------------------------------------
REPORTING                  9)      SOLE DISPOSITIVE POWER
PERSON                             0
WITH                  ----------------------------------------------------------
                          10)      SHARED DISPOSITIVE POWER
                                   2,065,000
--------------------------------------------------------------------------------
11)      AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
         2,065,000
--------------------------------------------------------------------------------
12)      CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES*
                                                                [ ]
--------------------------------------------------------------------------------
13)      PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
         4.1%
--------------------------------------------------------------------------------
14)      TYPE OF REPORTING PERSON*
         IC
--------------------------------------------------------------------------------

                     * SEE INSTRUCTIONS BEFORE FILLING OUT
<PAGE>

---------------------------------                   ----------------------------
CUSIP No. 87972E-10-0                                       Page 2 of 12 Pages
--------------------------------------------------------------------------------
1)       NAME OF REPORTING PERSON
         S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON

         The Travelers Insurance Group Inc. ("TIGI")
--------------------------------------------------------------------------------
2)       CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
         (a)   [X]
         (b)   [ ]
--------------------------------------------------------------------------------
3)       SEC USE ONLY

--------------------------------------------------------------------------------
4)       SOURCE OF FUNDS*
         AF
--------------------------------------------------------------------------------
5)       CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO
         ITEMS 2(d) OR 2(e)
                                                                  [ ]
--------------------------------------------------------------------------------
6)       CITIZENSHIP OR PLACE OF ORGANIZATION

         Connecticut
--------------------------------------------------------------------------------
                           7)      SOLE VOTING POWER
NUMBER OF                          0
SHARES                ----------------------------------------------------------
BENEFICIALLY               8)      SHARED VOTING POWER
OWNED BY                           2,065,000**
EACH                  ----------------------------------------------------------
REPORTING                  9)      SOLE DISPOSITIVE POWER
PERSON                             0
WITH                  ----------------------------------------------------------
                          10)      SHARED DISPOSITIVE POWER
                                   2,065,000**
--------------------------------------------------------------------------------
11)      AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
         2,065,000**
--------------------------------------------------------------------------------
12)      CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES*
                                                                [ ]
--------------------------------------------------------------------------------
13)      PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
         4.1%**
--------------------------------------------------------------------------------
14)      TYPE OF REPORTING PERSON*
         CO
--------------------------------------------------------------------------------

                     * SEE INSTRUCTIONS BEFORE FILLING OUT

** Represents  shares of Class A Common Stock  ("Common  Stock")  directly
   beneficially owned by TIC

<PAGE>

---------------------------------                   ----------------------------
CUSIP No. 87972E-10-0                                       Page 3 of 12 Pages
--------------------------------------------------------------------------------
1)       NAME OF REPORTING PERSON
         S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON

         PFS Services, Inc. ("PFS")
--------------------------------------------------------------------------------
2)       CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
         (a)   [X]
         (b)   [ ]
--------------------------------------------------------------------------------
3)       SEC USE ONLY

--------------------------------------------------------------------------------
4)       SOURCE OF FUNDS*
         AF
--------------------------------------------------------------------------------
5)       CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO
         ITEMS 2(d) OR 2(e)
                                                                  [ ]
--------------------------------------------------------------------------------
6)       CITIZENSHIP OR PLACE OF ORGANIZATION

         Georgia
--------------------------------------------------------------------------------
                           7)      SOLE VOTING POWER
NUMBER OF                          0
SHARES                ----------------------------------------------------------
BENEFICIALLY               8)      SHARED VOTING POWER
OWNED BY                           2,065,000**
EACH                  ----------------------------------------------------------
REPORTING                  9)      SOLE DISPOSITIVE POWER
PERSON                             0
WITH                  ----------------------------------------------------------
                          10)      SHARED DISPOSITIVE POWER
                                   2,065,000**
--------------------------------------------------------------------------------
11)      AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
         2,065,000**
--------------------------------------------------------------------------------
12)      CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES
                                                                [ ]
--------------------------------------------------------------------------------
13)      PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
         4.1%**
--------------------------------------------------------------------------------
14)      TYPE OF REPORTING PERSON
         CO
--------------------------------------------------------------------------------

                     * SEE INSTRUCTIONS BEFORE FILLING OUT

** Represents shares of Common Stock directly beneficially owned by TIC

<PAGE>

---------------------------------                   ----------------------------
CUSIP No. 87972E-10-0                                       Page 4 of 12 Pages
--------------------------------------------------------------------------------
1)       NAME OF REPORTING PERSON
         S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON

         Associated Madison Companies, Inc ("Associated Madison")
--------------------------------------------------------------------------------
2)       CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
         (a)   [X]
         (b)   [ ]
--------------------------------------------------------------------------------
3)       SEC USE ONLY

--------------------------------------------------------------------------------
4)       SOURCE OF FUNDS
         AF
--------------------------------------------------------------------------------
5)       CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO
         ITEMS 2(d) OR 2(e)
                                                                  [ ]
--------------------------------------------------------------------------------
6)       CITIZENSHIP OR PLACE OF ORGANIZATION
         Delaware
--------------------------------------------------------------------------------
                           7)      SOLE VOTING POWER
NUMBER OF                          0
SHARES                ----------------------------------------------------------
BENEFICIALLY               8)      SHARED VOTING POWER
OWNED BY                           2,065,000**
EACH                  ----------------------------------------------------------
REPORTING                  9)      SOLE DISPOSITIVE POWER
PERSON                             0
WITH                  ----------------------------------------------------------
                          10)      SHARED DISPOSITIVE POWER
                                   2,065,000**
--------------------------------------------------------------------------------
11)      AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
         2,065,000**
--------------------------------------------------------------------------------
12)      CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES*
                                                                [ ]
--------------------------------------------------------------------------------
13)      PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
         4.1%**
--------------------------------------------------------------------------------
14)      TYPE OF REPORTING PERSON*
         CO
--------------------------------------------------------------------------------

                     * SEE INSTRUCTIONS BEFORE FILLING OUT

** Represents shares of Common Stock directly beneficially owned by TIC

<PAGE>

---------------------------------                   ----------------------------
CUSIP No. 87972E-10-0                                       Page 5 of 12 Pages
--------------------------------------------------------------------------------
1)       NAME OF REPORTING PERSON
         S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON

         Citigroup Inc. ("Citigroup")
--------------------------------------------------------------------------------
2)       CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
         (a)   [X]
         (b)   [ ]
--------------------------------------------------------------------------------
3)       SEC USE ONLY

--------------------------------------------------------------------------------
4)       SOURCE OF FUNDS
         AF
--------------------------------------------------------------------------------
5)       CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO
         ITEMS 2(d) OR 2(e)
                                                                  [ ]
--------------------------------------------------------------------------------
6)       CITIZENSHIP OR PLACE OF ORGANIZATION
         Delaware
--------------------------------------------------------------------------------
                           7)      SOLE VOTING POWER
NUMBER OF                          0
SHARES                ----------------------------------------------------------
BENEFICIALLY               8)      SHARED VOTING POWER
OWNED BY                           2,065,000**
EACH                  ----------------------------------------------------------
REPORTING                  9)      SOLE DISPOSITIVE POWER
PERSON                             0
WITH                  ----------------------------------------------------------
                          10)      SHARED DISPOSITIVE POWER
                                   2,065,000**
--------------------------------------------------------------------------------
11)      AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
         2,065,000**
--------------------------------------------------------------------------------
12)      CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES*
                                                                [ ]
--------------------------------------------------------------------------------
13)      PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
         4.1%**
--------------------------------------------------------------------------------
14)      TYPE OF REPORTING PERSON*
         CO
--------------------------------------------------------------------------------

                     * SEE INSTRUCTIONS BEFORE FILLING OUT

**  Represents  shares of Common Stock  directly  beneficially  owned by TIC.

<PAGE>

      This Amendment No. 5 to a Schedule 13D filed on March 16, 2000 as amended
by Amendent No.1 filed on March 28, 2000, Amendment No. 2 filed on April 4,
2000, Amendment No. 3 filed on April 12, 2000 and Amendment No. 4 filed on
May 24, 2000, relates to the Class A Common Stock ("Common Stock") of Telynx,
Inc. (formerly known as Cambio, Inc.), a Delaware corporation ("Telynx" or the
"Company"). The Company changed its name from Cambio, Inc. to Telynx, Inc. as of
November 28, 2000. Information contained in the original Schedule 13D remains in
effect except to the extent that it is superseded by subsequently filed
information, including the information contained in this Amendment No. 5.
Information given in response to each item shall be deemed incorporated by
reference in all other items. Terms used and not defined herein have the meaning
ascribed to them in said Schedule 13D.

The response to Item 5 of the Schedule 13D is hereby amended and supplemented as
follows:


Item 5.  Interest in Securities of the Issuer.


                                     Page 6
                                  of 12 pages
<PAGE>

      The beneficial ownership percentages calculated in this Item 5 are based
      on 50,032,245 shares of Common Stock outstanding as of September 29, 2000,
      as disclosed in the Company's Form 10-KSB for the quarter ended March 31,
      2000 which was filed with the Securities Exchange Commission on October
      13, 2000.

      TIC
      ----

      The following information is being provided as of October 13, 2000 with
      respect to TIC's direct beneficial ownership of the Issuer's Common Stock.

          (a)      Amount Beneficially Owned:                      2,065,000

          (b)      Percent of Class:                                    4.1%

          (c)      Number of shares as to which such person has:

                   (i)   sole power to vote or to direct
                         the vote ........................                 0

                   (ii)  shared power to vote or direct
                         the vote ........................         2,065,000

                   (iii) sole power to dispose or to direct
                         the disposition of...............                 0

                   (iv)  shared power to dispose or to direct
                         the disposition of...............         2,065,000

      TIGI
      ----

      TIGI is the parent Company of TIC. The following information is being
      provided as of October 13, 2000 with respect to TIGI's indirect beneficial
      ownership of the Issuer's Common Stock.

          (a)      Amount Beneficially Owned:                      2,065,000

          (b)      Percent of Class:                                    4.1%

          (c)      Number of shares as to which such person has:

                   (i)   sole power to vote or to direct
                         the vote ........................                 0

                   (ii)  shared power to vote or direct
                         the vote ........................         2,065,000

                   (iii) sole power to dispose or to direct
                         the disposition of...............                 0


                                     Page 7
                                  of 12 pages
<PAGE>

                   (iv)  shared power to dispose or to direct
                         the disposition of...............         2,065,000

      PFS
      ---

      PFS is the parent company of TIGI. The following information is being
      provided as of October 13, 2000 with respect to PFS's indirect beneficial
      ownership of the Issuer's Common Stock.

          (a)      Amount Beneficially Owned:                      2,065,000

          (b)      Percent of Class:                                    4.1%

          (c)      Number of shares as to which such person has:

                   (i)   sole power to vote or to direct
                         the vote ........................                 0

                   (ii)  shared power to vote or direct
                         the vote ........................         2,065,000

                   (iii) sole power to dispose or to direct
                         the disposition of...............                 0

                    (iv) shared power to dispose or to direct
                         the disposition of...............         2,065,000

      Associated Madison
      ------------------

      Associated Madison is the parent company of PFS. The following information
      is being provided as of October 13, 2000 with respect to Associated
      Madison's indirect beneficial ownership of the Issuer's Common Stock.

          (a)      Amount Beneficially Owned:                      2,065,000

          (b)      Percent of Class:                                    4.1%

          (c)      Number of shares as to which such person has:

                   (i)   sole power to vote or to direct
                         the vote ........................                 0


                               Page 8 of 12 pages
<PAGE>

                   (ii)  shared power to vote or direct
                         the vote ........................         2,065,000

                   (iii) sole power to dispose or to direct
                         the disposition of...............                 0

                    (iv) shared power to dispose or to direct
                         the disposition of...............         2,065,000



      Citigroup
      ---------

      Citigroup is the parent company of Associated Madison. The following
      information is being provided as of October 13, 2000 with respect to
      Citigroup's indirect beneficial ownership of the Issuer's common stock.

          (a)      Amount Beneficially Owned:                      2,065,000

          (b)      Percent of Class:                                    4.1%

          (c)      Number of shares as to which such person has:

                   (i)   sole power to vote or to direct
                         the vote ........................                 0

                   (ii)  shared power to vote or direct
                         the vote ........................         2,065,000

                   (iii) sole power to dispose or to direct
                         the disposition of...............                 0

                   (iv)  shared power to dispose or to direct
                         the disposition of...............         2,065,000

          (e)      The Reporting Persons ceased to be the owners of more than
                   five percent of the Company's Common Stock on October 13,
                   2000, the date the Company filed Form 10-KSB stating that as
                   of September 29, 2000 there were 50,032,245 shares of the
                   Company's Common Stock outstanding.


                                     Page 9
                                  of 12 pages
<PAGE>

      Item 7.     Material to be filed as Exhibits.

                  Exhibit           Description
                  -------           -----------

                  A        Consent to Joint Filing of Schedule 13D pursuant to
                           Rule 13d-1(k) of the Act.


                                     Page 10
                                  of 12 pages
<PAGE>

      Signature
      ---------

      After  reasonable  inquiry and to the best of my knowledge  and belief,  I
      certify that the information set forth in this statement is true, complete
      and correct.



      Dated:               December 5, 2000



      The Travelers Insurance Company
      -------------------------------

      By:    /s/ Millie Kim
             ------------------------
      Name:  Millie Kim
      Title:  Assistant Secretary



      The Travelers Insurance Group Inc.
      ----------------------------------

      By:    /s/ Joseph B. Wollard
             ------------------------
      Name:  Joseph B. Wollard
      Title:  Assistant Secretary



      PFS Services, Inc.
      ------------------

      By:    /s/ Joseph B. Wollard
             ------------------------
      Name:  Joseph B. Wollard
      Title:  Assistant Secretary



      Associated Madison Companies, Inc.
      ----------------------------------

      By:    /s/ Joseph B. Wollard
             ------------------------
      Name:  Joseph B. Wollard
      Title:  Assistant Secretary


      Citigroup Inc.
      --------------

      By:    /s/ Joseph B. Wollard
             ------------------------
      Name:  Joseph B. Wollard
      Title:  Assistant Secretary


                                     Page 11
                                  of 12 pages
<PAGE>

                                    EXHIBIT A



     Pursuant to Rule 13d-1(k)(1)(iii) of Regulation D of the Rules and
     Regulations of the Securities and Exchange Commission under the Securities
     Exchange Act of 1934, as amended, the undersigned agree that the attached
     Schedule 13D, Amendment No. 4 is, and any future amendments thereto may be,
     filed on behalf of each of us.



      Dated:       December 5, 2000



      The Travelers Insurance Company
      -------------------------------

      By:    /s/ Millie Kim
             ------------------------
      Name:  Millie Kim
      Title:  Assistant Secretary



      The Travelers Insurance Group Inc.
      ----------------------------------

      By:    /s/ Joseph B. Wollard
             ------------------------
      Name:  Joseph B. Wollard
      Title:  Assistant Secretary



      PFS Services, Inc.
      ------------------

      By:    /s/ Joseph B. Wollard
             ------------------------
      Name:  Joseph B. Wollard
      Title:  Assistant Secretary



      Associated Madison Companies, Inc.
      ----------------------------------

      By:    /s/ Joseph B. Wollard
             ------------------------
      Name:  Joseph B. Wollard
      Title:  Assistant Secretary


      Citigroup Inc.
      --------------

      By:    /s/ Joseph B. Wollard
             ------------------------
      Name:  Joseph B. Wollard
      Title:  Assistant Secretary



                                     Page 12
                                  of 12 pages


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