Shop, The Card You Pick Can Save You Money [Graphic Omitted] The Card You Pick Can Save You Money CONTENTS Introduction 1 Definition of Terms 2 Variables and Impact 3 Survey Results 8 as of January 31, 1995 Board of Governors of the Federal Reserve System To obtain additional copies of this or any other brochure published by the Federal Reserve System, contact: Publications Service, Board of Governors of the Federal Reserve System, Mail Stop 127, Washington DC 20551. INTRODUCTION SHOP. Smart consumers do comparison shopping when looking for credit such as a mortgage or an auto loan. It is also a good practice to engage in when shopping for a credit card plan, because the choices you make could save you money. SHOP among the various plans of credit card issuers contained in this brochure. Compare them with cards you already have and with offers you receive in the mail for the terms that best suit your spending and repayment habits. The costs and terms of the plan or plans can make a difference to how much you pay for the privilege of borrowing. In the disclosure form from the credit car issuer, key credit terms to consider are the annual percentage rate (APR), annual fee, and grace period. Also consider credit terms such as cash advance fees, late payment charges, and over-the-limit fees. Take these items into consideration along with how you pay your bills each month, whether in full or only partially. You could save yourself some money. DEFINITION OF TERMS ANNUAL FEE A flat, yearly charge similar to a membership fee. ANNUAL A measure of the cost of credit that PERCENTAGE expresses the finance charge, which includes RATE (APR) interest and may also include other charges, as a yearly rate. FINANCE CHARGE The dollar amount you pay to use credit. Besides interest costs, it may include other charges associated with transactions such as cash advance fees. GRACE PERIOD A time, about 25 days, during which you can pay your credit card bill without paying a finance charge. Under almost all credit card plans, the grace period only applies if you pay your balance in full each month. It does not apply if you carry a balance forward. Also, the grace period does not apply to cash advances. INTEREST RATE Interest rates on credit card plans change over time. Some are explicitly tied to changes in other interest rates such as the prime rate or the Treasury Bill rate and are called variable rate plans. Others are not explicitly tied to changes in other interest rates and are called fixed rate plans. VARIABLES AND IMPACT Calculation of Finance Charge It is helpful to know how the credit card issuer will calculate the finance charge on your credit card bill. To determine the finance charge, an issuer will apply a periodic rate to a balance. Card issuers use different balance calculation methods such as: the average daily balance method, the previous balance method, and the adjusted balance method. With the average daily balance method (the most common method), the issuer calculates the balance by taking the amount of debt you had in your account each day during the period covered by the billing statement and averages it. With the previous balance method, the issuer uses the balance outstanding at the end of the previous period--that is, the period prior to the one covered by the billing statement. With the adjusted balance method, the balance is derived by subtracting the payments you've made from the previous balance. Combinations to Consider Smart consumers find the best deal for their budgets and repayment style. For example, if you always pay your monthly bill(s) in full, the best type of card is one that has no annual fee and offers a grace period for paying your bill without paying a finance charge. No annual fee + grace period = best deal [Graphic Omitted] If you don't always pay off the credit card balance monthly, be sure to look at the periodic rate that will be used to calculate the finance charge. [Graphic Omitted] Credit card issuers that offer variable interest rate plans derive the rate to be charged to the consumer by using a formula. Two of the most common formulas are: + Margin Index or = Variable rate [Graphic Omitted] x Multiple Some of the more common indexes used by credit card issuers are the prime rate, the one-, three-, or six-month Treasury Bill rate, the federal funds or Federal Reserve discount rate. Most of these indexes can be found in the money or business section of major newspapers. Once the interest rate corresponding to the index has been identified, the issuer then adds a number of percentage points, the "margin," to this index rate to calculate the rate charged. In some cases, the issuer might elect to use another formula to determine the rate to be charged to the consumer. The issuers multiply the index or index plus the margin by another number, "the multiple," to calculate the rate charged. Possible Savings The following is an example of the annual savings you could achieve by switching to a credit card plan with a lower interest rate and no annual fee. ASSUMPTION In this example, the average monthly balance carried forward equals $2,500, which is about the national average for consumers with credit card debt. PLAN DESCRIPTIONS: Terms Plan A Plan B Average monthly balance $2,500 $2,500 APR x .18 x .14 Amount paid in finance charges annually $450 $350 Annual fee + $ 20 + $ 0 Total cost $470 $350 In this example, the total possible savings each year achieved by selecting a credit card plan with a lower interest rate and not annual fee is ($470 - $350) $120. Credit Card Owner's Checklist If you are applying for your first credit card or have several cards already, here are some helpful tips you might want to follow in shopping for a credit card. 1. Review all of the information about the plans. 2. Draft a list of desired features that best fit your needs and rank them according to how you plan to use the card. 3. Call the institutions you've selected to verify the information and to see if they have any other plans available. 4. If you are a current card holder and have a good credit rating, see if the institution that your card will lower you current rate...NEGOTIATE. [Graphic Omitted] SURVEY RESULTS Every six months the Federal Reserve System collects and published a report on the terms of credit card plans offered by financial institutions. This report includes information supplied by the largest card issuers in the country, as well as any other financial institutions that indicate to the Federal Reserve System that they would like to participate in the report and submit information about their credit card plans. The credit terms listed in this report are as of the date indicated below and are subject to change. Consequently, readers are encouraged to contact the credit card issuer for current rates and to learn about their other credit card plans. CODES USED IN THE CREDIT CARD PLAN LIST: Availability Refers to availability of card to consumers N = national R = only in selected states State abbreviation = only in state specified Type of F = fixed Pricing V = variable T = tiered pricing, with different periodic rates applying to different levels of the outstanding balance. The rate shown applies to the lowest of the balance tiers. 8 Grace Period Indicates that no finance charge will be imposed for credit extended on purchase if payment in full is received by the payment due date after the end of the billing period in which the purchase was made. Generally, a grace period allows customers to avoid finance charges on purchases if they always pay their credit card bill in full by the due date of the bill. Grace periods usually do not apply to cash advances, which begin accruing interest from the day of transaction. Other Features Credit card issuers may automatically add enhancements or other features in the plan without charging extra fees. Enhancements can include cash rebates, purchase protections, warranty guarantees, travel accident or automobile rental insurance, discounts on goods and services purchased, and usage incentives such as frequent flyer miles. 1 = rebates on purchases 2 = extension of manufacturer's warranty 3 = purchase protection/security 4 = travel accident insurance 5 = travel related discounts 6 = automobile rental insurance 7 = nontravel related goods or services 8 = credit card registration 9 = other N.R. = not reported Date of Survey The credit terms shown in this brochure were as of January 31, 1995 9 INSTITUTION, Ann. Type Grc Credit Card Plan % of In- per. Ann. Oth. and Availability Rate Prcg dex days fee Ftrs. Telephone ABBOTT BK Mastercard,N 17.40 V 1 25 0 2,3,4,6 (800)288-6844 AFBA IND BK AFBA Industrial Bank Visa, Master card,N 14.50 V 1 25 0 N.R. (800)776-2265 AMALGAMATED BK CHICAGO Gold Mastercard, 2,3,4,5, N 13.00 V 1 25 0 6,7,8,9 (800)365-6464 AMERICAN EXPRESS CENTURION BK 2,3,4,6, Optima,R 15.50 V 1 25 25 9 (800)635-5955 AMERICAN GEN FNCL CTR The More Card (Visa),N 19.80 F * 25 0 N.R. (800)828-6673 ASMOUTH BK OF AL Classic Credit Card,R 19.50 F * 25 15 N.R. (800)231-7493 ASSOCIATES NB DE Mastercard & Visa, N 19.80 F * 25 20 N.R. (800)533-5600 BANK IV KS NA Visa,R 15.90 F * 25 25 1,8 (800)333-5221 BANK OF AMER NA Visa Classic,R 11.65 V 1 25 18 N.R. (800)243-5562 BANK OF CA NA Standard Master Card,R 16.80 F * 30 15 4 (800)544-2920 BANK OF HI Visa Classic Card,HI 16.50 F * 25 15 2,3,4,6 (800)543-9611 BANK OF HOVEN Bank of Hoven- Visa,N 21.00 F * 25 39 N.R. (800)339-0128 BANK OF MISSISSIPPI Mastercard,MS 18.00 F * 25 0 N.R. (800)680-2123 BANK OF NY DE Mastercard,N 13.50 V 1 0 0 N.R. (800)942-1977 BANK ONE OF AKRON NA Visa,OH 18.40 V 1 25 0 N.R. (216)372-1322 BANK ONE OF AZ NA Standard Master Card and Visa,R 16.25 V 1 25 25 2,3,4,9 (800)862-2427 BANK ONE CINCINNATI NA 10 Bank One Visa,OH 18.40 V 1 25 20 N.R. (513)985-5706 INSTITUTION, Ann. Type Grc. Credit Card Plan % of In- per. Ann. Oth. and Availability Rate Prcg dex days fee Ftrs. Telephone BANK ONE CLEVELAND NA Visa,OH 15.15 V 1 25 20 N.R. (216)352-5993 BANK ONE COLUMBUS NA Visa/Mastercard Classic Credit Card,N 18.40 V 1 25 20 N.R. (614)248-3412 BANK ONE OF DAYTON NA Visa Classic,N 18.40 F * 0 20 N.R. (513)443-2240 BANK ONE YOUNGSTOWN NA Visa,R 16.90 V 1 25 0 N.R. (216)742-5018 BARNETT BK OF BROWARD CITY NA Classic Visa,R 14.40 V 1 25 0 4,9 (800)323-6276 BARNETT BK OF TAMPA Classic Visa, FL 16.80 V 1 25 0 4,9 (800)323-6276 BAYBANK Mastercard Classic,N 16.80 V 1 25 21 3,4,8 (800)221-3393 BOATMENS CREDIT CARD BK Mastercard,R 17.80 V 1 25 0 4 (800)466-6420 BRANCH BKG&TC Mastercard,R 18.00 F * 25 15 4 (800)476-4228 BROADWAY NB Visa, TX 13.92 V 4 0 0 N.R. (210)283-6552 CAPITAL ONE BK Visa,R 14.90 V 1 25 20 9 (800)933-5182 CENTRAL BK Visa,R 18.00 F * 25 12 N.R. (318)362-8466 CENTRAL CAROLINA B&TC Mastercard Gold,N 9.00 V 1 25 20 4,6.9 (800)334-1073 CENTRAL FIDELITY NB Mastercard,VA 15.60 F * 25 15 N.R. (800)388-5634 CHASE MANHATTAN BK USA Classic Visa & Classic Mastercard, 2,3, N 19.80 F * 30 20 4,7,9 (800)441-7681 CHEMICAL BK Standard Master 2,3,4, Card/Visa,N 17.80 F * 25 20 5,7,9 (516)648-3355 CHEVY CHASE BK FSB 11 Visa/Gold,N 14.33 V 1 25 40 1.4 (800)937-5000 INSTITUION, Ann. Type Grc. Credit Card Plan % of In- per. Ann. Oth. and Availability Rate Prcg dex days fee Ftrs. Telephone CITIBANK SOUTH DAKOTA NA Citibank Classic 2,3, Card,N 17.90 V 1 25 0 4,5,7 (800)950-5114 CITIZENS TC Citizens Visa Classic,N 14.50 F * 0 0 N.R. (800)455-5000 COLONIAL NB USA Visa,N 13.26 V 1 25 30 3.4,6 (800)544-2028 COLORADO NB Visa,R 17.40 V 1 25 12 N.R. (800)933-4433 COLUMBUS B&TC Visa Classic,N 17.90 F 8 25 0 N.R. (800)487-5391 COMERICAN BK-DETROIT Comerica Classic Card,N 16.75 F * 25 15 4 (800)841-0012 COMMERCE BK NA Special Connections Visa/Mastercard, R 16.50 V 1 25 0 4,9 (800)645-2103 COMMERCE BK OF OMAHA NA Special Connections Visa/Mastercard, R 16.50 V 1 25 0 4,9 (800)645-2103 COMMERCE BK OF SPRINGFIELD NA Special Connections Visa & Mastercard, R 16.50 V 1 25 0 4,9 (800)645-2103 COMPASS BK Mastercard,R 18.00 V 1 30 20 N.R. (800)239-5175 CORESTATES BK OF DE NA Visa,R 17.80 V 1 25 20 N.R. (800)833-3010 CRESTAR BK Visa Classic,N 15.90 F * 25 20 4,9 (800)368-7700 DIAL BK Mastercard/ Visa,N 19.80 T * 25 20 N.R. (605)336-3933 EUROPEAN AMER BK Visa,NY 17.70 V 1 25 0 N.R. (516)296-6028 FCC NB First Card Visa 2,3, Gold,N 18.40 V 1 25 0 4,6,9 (800)368-4535 FEDERAL SVG BK 12 Visa,N 9.72 V 8 25 33 N.R. (800)285-9090 INSTITUTION, Ann. Type Grc. Credit Card Plan % of In- per. Ann. Oth. and Availability Rate Prcg dex days fee Ftrs. Telephone FIDELITY NB Visa Consumerscard,N 15.90 F * 25 25 9 (800)753-2900 FIDELITY TC Mastercard, 2,3,4, Visa,N 17.65 V 1 25 0 5,6,8 (800)323-5353 FIFTH THIRD BK Select Visa,R 14.40 V 1 30 18 9 (800)972-3030 FIRST AL BK Mastercard (Classic),R 19.50 F * 25 15 N.R. (800)828-0893 FIRST BK SD NA Visa,N 17.90 V 1 25 20 N.R. (800)285-8585 FIRST CITIZENS B&TC Mastercard,NC 18.00 F * 25 15 4 (919)779-8540 FIRST CITIZENS B&TC OF SC Mastercard,SC 14.88 F * 25 20 4 (803)733-2050 FIRST CONSUMERS NB Mastercard,N 18.90 V 1 30 39 2,3,4 (800)876-3262 FIRST DEPOSIT NB 2,3, Visa Gold,R 14.90 V 1 25 0 4,6,9 (800)227-6886 FIRST FIDELITY BK NA Visa,R 17.30 V 1 25 15 1 (800)338-0644 FIRST FNCL BK FSB First Financial 1,2,3,4, Visa,N 17.80 F * 25 15 5,6,9 (800)472-7708 FIRST HAWAIIAN BK Mastercard,HI 16.50 F * 25 15 4.6.7 (*00)847-4444 FIRST INTRST BK OF AZ NA Visa Standard Card, AZ 17.90 V 1 25 20 N.R. (800)955-5050 FIRST INTRST BK OF CA Mastercard- Standard,CA 17.50 V 1 25 20 N.R. (800)955-5050 FIRST INTRST BK OF NV NA Mastercard- Standard,NV 17.90 V 1 25 15 N.R. (800)955-5050 FIRST INTRST BK OF OR NA Visa Standard Card,OR 19.50 V 1 25 25 N.R. (800)955-5050 FIRST INTRST BK OF WA NA Visa Standard Card, WA 17.90 F * 25 18 N.R. (800)955-5050 FIRST NB OF ATLANTA Wachovia Bank 13 Visa, N 11.40 V 1 25 39 4 (800)842-3262 INSTITUTION, Ann. Type Grc. Credit Card Plan % of In- per. Ann. Oth. and Availability Rate Prcg dex days fee Ftrs. Telephone FIRST NB OF CMRC Visa/Mastercard, N 16.90 V 1 25 12 N.R. (800)826-3390 FIRST NB OF OMAHA Visa,N 19.75 V 9 0 0 4,5,9 (800)688-7070 FIRST NB SD Visa,SD 19.75 V 9 0 0 4 (800)688-7070 FIRST NH BK Mastercard,R 16.90 V 1 25 20 4 (800)852-3719 FIRST OF AMER BK-IL-NA National Gold Mastercard/Visa, N 15.40 V 1 25 0 2,3,4,6 (800)423-3883 FIRST OF AMER BK-MI NA Classic Variable Rate Mastercard/Visa, N 16.90 V 1 25 0 N.R. (8000423-3883 FIRST OMNI BK NA Visa/Mastercard, 2,3,4, N 17.20 V 1 25 0 5,6,8 (800)441-8026 FIRST SECURITY BK OF ID NA Visa,ND 17.40 V 1 25 0 4,6 (800)445-2689 FIRST SECURITY BK OF NM NA Visa Classic,R 18.00 V 1 25 0 N.R. (800)445-2689 FIRST SECURITY BK OF UT NA Visa, UT 17.40 V 1 25 0 4,5,6 (800)445-2689 FIRST TENNESSEE BK NA NMPHS Visa,R 16.40 V 1 30 0 N.R. (800)234-2840 FIRST UNION NB OF GA Standard Visa,N 13.90 F * 25 0 4,9 (800)359-3862 FIRST USA BK First USA Bank USA,R 14.65 V 1 25 0 3,4,6 (800)955-9900 FIRST VA BK Visa,R 16.98 F * 25 15 4,8 (800)634-8803 FIRST WESTERN BK NA Visa,N 15.40 V 1 25 0 4,9 (412)652-7146 FIRSTAR BK MILWAUKEE NA Elan Mastercard and Visa,R 18.00 F * 25 15 4 (800)558-3424 FIRSTIER BK NA LINCOLN 14 Visa,R 18.00 F * 25 18 4 (800)432-3209 INSTITUTION, Ann. Type Grc. Credit Card Plan % of In- per. Ann. Oth. and Availability Rate Prcg dex days fee Ftrs. Telephone FLEET BK Fleet Visa,N 16.15 V 1 25 20 4 (800)537-3777 GE CAPITAL CONSUMER CARD CO GE Rewards Preferred,N 19.80 F * 25 0 N.R. (513)677-6736 GREENWOOD TC Discover,N 17.40 V 1 25 0 1,9 (800)347-2683 HARRIS T&SB Mastercard & Visa Classic,N 18.40 V 1 25 0 N.R. (708)520-6550 HOUSEHOLD BK NV NA Regular Visa/ Mastercard,N 17.90 V 1 25 25 4,9 (800)477-6000 HUNTINGTON NB Mastercard,R 16.40 V 1 25 0 N.R. (614)480-2719 IDAHO FIRST BK 3,4,5, Classic Visa,R 17.67 V 5 25 20 6,8,9 (208)387-3640 INTEGRA BK PITTSBURGH Mastercard,R 14.90 V 3 25 15 2,3,4,6 (412)644-7554 INTRUST BK NA Mastercard/ Visa,N 16.80 F * 25 12 N.R. (800)222-7458 J C PENNEY NB Visa,N 19.50 F * 25 15 N.R. (800)247-4714 KELLY FIELD NB Visa,TX 13.92 F * 25 0 N.R. (210)681-5100 KEY BK OF NY 2,3,4, Mastercard,NY 14.11 V 3 25 20 5,6 (800)444-4539 KEY FSB 2,3,4, Secured Visa,N 18.90 F * 25 35 8,9 (800)539-5398 LEADER FED BK FOR SVG 2,3,4, Visa,R 14.90 F * 25 20 8,9 (800)874-8771 LIBERTY NC&TC OF KY Mastercard,R 18.00 F * 30 20 4 (502)589-3111 MAGNA BK OF ILLINOIS 1,2,3, Mastercard,R 17.90 V 1 23 20 4,6 (800)624-6211 MANUFACTURERS & TRADERS TC 15 Visa,NY 15.75 V 1 25 25 4,6 (800)724-3222 INSTITUTION, Ann. Type Grc. Credit Card Plan % of In- per. Ann. Oth. and Availability Rate Prcg dex days fee Ftrs. Telephone MARINE MIDLAND BK Mastercard,N 19.80 F * 25 20 4,5,9 (800)962-7463 MBNA AMERICA BK NA Mastercard,N 16.90 F * 25 0 N.R. (800)847-7378 MELLON BK DE NA Interest Back Mastercard,N 20.40 V 1 25 0 4,5,8 (800)753-7011 MERCANTILE BK OF IL NA Mastercard,R 17.90 F * 25 20 4 (800)755-4070 METROPOLITAN NB Visa Classic,N 9.24 V 8 25 25 N.R. (501)570=1021 NATIIONAL BK OF COMMERCE Mastercard,R 19.80 V 1 25 0 4 (901)529-6259 NATIONAL BK OF SC Mastercard,SC 16.92 F * 0 0 4 (803)778-8498 NATIONAL CITY BK Mastercard Classic,OH 17.90 T * 0 0 9 (800)282-7541 NATIONAL CITY BK Mastercard 2,3,4, Gold,N 14.90 V 1 25 0 5,6 (800)727-8686 NATIONAL CITY BK COLUMBUS Mastercard Classic,N 17.80 V 1 25 0 N.R. (614)863-8129 NATIONAL CITY BK IN Mastercard,IN 17.80 F * 25 15 N.R. (800)774-2424 NATIONSBANK OF DE NA Visa Classic,N 17.90 F * 25 18 4 (800)274-5060 NATWEST BK NA Visa,N 18.40 V 1 25 20 4,5,6 (800)677-6677 NBD SKOKIE BK NA Standard Mastercard & Visa,R 16.90 V 1 25 0 4 (800)766-4623 NORWEST BK IA NA Norwest Mastercard, N 17.50 V 1 25 20 1,4 (800)247-8101 NORWEST BK NE NA Norwest Mastercard, N 17.50 V 1 25 20 1,4 (800)247-8101 OAK BROOK BK Prime for First Year,N 8.50 V 1 25 17 4,5,7,9 (800)666-1011 OHIO SVB BK Visa/Mastercard, 16 R 14.75 V 1 25 0 4 (216)622-4163 INSTITUTION, Ann. Type Grc. Credit Card Plan % of In- per. Ann. Oth. and Availability Rate Prcg dex days fee Ftrs. Telephone OLD KENT B&TC Variable Rate Mastercard & Visa,N 12.30 V 1 25 38 4,9 (800)245-5353 ONE VALLEY BK NA Mastercard,WV 16.75 F * 0 12 N.R. (800)342-7343 PEOPLES BK Visa,N 11.50 F * 25 25 N.R. (800)426-1114 PNC BK DE Visa/Mastercard, N 13.99 V 1 0 0 N.R, (800)762-2273 PNC BK OH NA Visa/Mastercard, N 13.49 V 1 0 0 N.R. (302)791-2073 PNC NB Visa/Mastercard, N 13.99 V 1 0 0 N.R. (800)762-2273 PROVIDIAN NB 2,3,4, Visa Gold,R 14.90 V 1 25 0 6,9 (800)227-6886 PRUDENTIAL B&TC Visa Gold,R 16.90 F * 30 29 2,8,9 (800)322-2369 S&T BK Visa,PA 9.96 F * 0 0 4 (412)479-5030 SEATTLE-FIRST NB Regular Mastercard/ Visa,WA 18.00 V 4 21 18 4,5 (800)522-7300 SECURITY NB&TC 2,4,5, Visa,R 15.25 V 3 25 18 6,7 (800)356-8085 SIGNET BK VA Visa,N 19.80 F * 25 18 9 (800)955-7070 SIMMONS FIRST NB visa,N 9.75 F * 25 35 4,8 (800)636-5151 SOCIETY NB Visa,R 15.14 V 4 25 20 2,3,4,6 (216)689-7770 SOUTHERN NB OF NC Mastercard,R 12.40 V 1 25 18 1,4 (800)289-6404 SOUTHTRUST BK OF AL NA Visa Classic Card,R 18.90 V 1 25 15 5,9 (800)292-6538 STAR BK NA Visa,R 17.00 V 1 25 20 2,3,5,8 (513)762-8836 STATE SVG BK 17 Visa,OH 14.63 F * 25 0 N.R. (800)421-9543 INSTITUTION, Ann. Type Grc. Credit Card Plan % of In- per. Ann. Oth. and Availability Rate Prcg dex days fee Ftrs. Telephone SUNTRUST BANCARD NA Suntrust Bankcard, R 17.90 V 1 25 21 N.R. (800)432-4932 TOWN NORTH NB Mastercard- Visa,N 14.0 V 4 0 0 4,5 (214)991-9733 TRAVELERS BK Gold 2,3,4, Mastercard,N 16.25 V 1 25 0 8,9 (800)772-7775 TRUSTCO BK NY Mastercard,NY 17.90 F * 25 12 N.R. (518)381-3843 U S BK NA AAA Visa,N 16.90 V 1 25 0 8 (800)872-2650 UNION BK Mastercard,Ca 19.80 F * 25 15 1,4 (619)496-5355 UNION PLANTERS NB Gold Mastercard, N 13.50 V 1 25 0 2,3,6 (800)339-2121 UNITED MISSOURI BK USA Mastercard,N 17.15 V 1 25 18 N.R. (800)821-5184 UNITED NB Visa,R 16.49 V 1 25 0 9 (800)242-7600 UNITED STATES NB OF OR Classic Visa/ Mastercard,OR 17.90 V 1 25 15 4 (800)291-6687 UNIVERSAL BK NA Mastercard Classic,N 17.90 v 1 25 20 2,3,4,6 (800)423-4343 USAA FSB Mastercard,N 12.50 V 4 25 0 N.R. (800)922-9092 WELLS FARGO BK NA Visa,N 19.80 F * 25 18 N.R. (800)642-4720 WEST ONE BK ID 3,4,5, Classic Visa,R 16.67 V 5 25 20 6,8,9 (208)387-3640 WILMINGTON TC Mastercard,N 17.75 V 4 25 18 4,5,8,9 (302)652-2378 1ST FINANCIAL BK SD 18 Visa,N 19.50 V 1 25 20 N.R. (800)733-1732 FRB-50000-395 BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM WASHINGTON,DC 20551-0001 OFFICIAL BUSINESS