Published on 05/12/2009

Bi-annual Federal Reserve System ratings survey of plan terms offered by financial institutions and credit card issuers. The credit terms include type of plan; variable or fixed interest rates as well as other credit card rewards such as purchase discounts, travel points and cashback.

Federal Survey of Credit Card Plans

Every six months the Federal Reserve System surveys the terms of credit card plans offered by financial institutions and publishes a report of the findings. The report includes information from the largest credit card issuers in the country as well as other financial institutions that wish to participate in the survey. The credit terms shown in the accompanying list are as of January 31, 2009, and are subject to change. You should contact issuers for current rates and to learn about other credit card plans.

Codes Used in the List of Plans

Availability: Refers to availability of card to consumers
N = Nationally
R = Only in selected states
State abbreviation = Only in state specified

Type of pricing
F = Fixed
V = Variable
T = Tiered, with different periodic rates for different levels of outstanding balance. Rate shown applies to the lowest of the balance tiers.

Index: The interest rate on variable-rate plans is based on an index. The codes shown in the list of plans correspond to the following indexes:
1 = Prime rate
2 = One-month Treasury bill rate
3 = Three-month Treasury bill rate
4 = Six-month Treasury bill rate
5 = One-year Treasury bill rate
6 = Federal funds rate
7 = Cost of funds to card issuer
8 = Federal Reserve discount rate
9 = Other
0 = Not applicable

Other features: Credit card issuers may add enhancements or other features to the plan without charging extra fees. These enhancements may include cash rebates, purchase protections, warranty guarantees, travel accident or automobile rental insurance, discounts on goods and services, and incentives for use 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 = Non-travel-related goods and services
8 = Credit card registration
9 = Reduced introductory interest rate available
10 = Other, not specified
N.R. = Not reported

Institution	Availability and Credit Card Plan	Annual Percentage Rate	Type of Pricing	Index	Grace Period (days)	Annual Fee	Other Features	Company Telephone Number
1ST SUMMIT BANK	N- VISA	9.25	V	1	25	15	1,3,4,5,6,10,	(888) 262-4010
5STAR BANK (A COLORADO INDUSTRIAL BANK)	N- 5STAR VISA PLATINUM	11.9	F	0	25	0	4,9,10,	(888) 277-0444
ADIRONDACK TRUST COMPANY, THE	NY- VISA	15.0	F	0	25	15	4,6,	(800) 485-7899
AMALGAMATED BANK OF CHICAGO	N- AMALGAMATED BANK OF CHICAGO - MASTERCARD	9.25	V	1	25	0	4,5,10,	(800) 365-6464
AMERICAN BANK OF THE NORTH	MN- AMERICAN BANK VISA REWARDS	6.90	F	0	25	0	2,3,4,5,6,	(218) 262-3557
AMERICAN EXPRESS BANK, FSB	N- AMERICAN EXPRESS GOLD	13.2	V	1	20	95	N.R.	(800) 257-0770
AMERICAN EXPRESS CENTURION BANK	N- BLUE FROM AMERICAN EXPRESS	10.2	V	1	20	0	2,3,4,5,6,9,10,	(800) 528-4800
AMERICAN SAVINGS BANK, F.S.B.	HI- CLASSIC VISA	16.3	F	0	25	0	4,6,	(808) 539-7218
AMERICAN STATE BANK	TX- AMERICAN STATE BANK VISA	9.90	F	0	25	0	N.R.	(800) 725-2006
AMERIPRISE BANK, FSB	N- MASTERCARD	4.50	V	1	30	150	N.R.	(866) 715-4255
APPALACHIAN COMMUNITY BANK	N- VISA CLASSIC	14.9	F	0	15	12	N.R.	(706) 276-8000
ARVEST BANK	R- VISA	16.9	V	1	25	0	4,6,8,	(800) 356-8085
BANCO POPULAR NORTH AMERICA	R- MASTERCARD	8.49	V	1	25	0	2,3,4,6,9,	(888) 317-9062
BANCORPSOUTH BANK	R- MASTERCARD	8.90	V	1	30	0	N.R.	(800) 844-2723
BANK MIDWEST, NATIONAL ASSOCIATION	R- VISA CLASSIC	11.2	V	1	25	0	2,4,6,	(888) 985-4575
BANK OF CANTON, THE	MA- VISA CLASSIC	9.96	F	0	25	0	4,5,6,8,10,	(888) 828-1690
BANK OF KENTUCKY, INCORPORATED, THE	R- VISA GOLD	10.0	V	1	25	0	4,9,	(859) 372-5170
BANK OF LOUISIANA	N- VISA AND MASTERCARD	9.90	F	0	25	0	N.R.	(800) 353-6454
BANKERS' BANK OF KANSAS, NATIONAL ASSOCIATION	KS- VISA	11.7	V	1	25	0	4,	(800) 675-6284
BANNER BANK	R- VISA PLATINUM REWARDS	12.0	F	0	25	0	4,6,10,	(509) 524-5515
BARCLAYS BANK DELAWARE	N- US AIRWAYS WORLD MASTERCARD	13.2	V	1	20	49	3,4,5,6,9,	(866) 419-0881
BB&T FINANCIAL, FSB	R- VISA	7.15	V	1	25	0	3,4,5,6,9,	(800) 976-4228
BMW BANK OF NORTH AMERICA	N- VISA	12.5	V	1	22	0	2,3,4,6,9,10,	(888) 269-2273
BOONE COUNTY NATIONAL BANK OF COLUMBIA, THE	R- MASTERCARD / VISA	17.4	F	0	25	0	1,4,5,7,9,	(800) 445-9272
CAPITAL ONE BANK (USA), NATIONAL ASSOCIATION	N- MASTERCARD	18.1	V	1	25	0	N.R.	(800) 955-7070
CENTRAL BANK & TRUST COMPANY	KY- VISA	18.0	F	0	25	20	N.R.	(800) 637-6884
CENTRAL TRUST BANK, THE	R- MASTERCARD / VISA	17.4	F	0	25	0	1,4,5,7,9,	(800) 445-9272
CHASE BANK USA, NATIONAL ASSOCIATION	N- MASTERCARD	9.99	F	0	20	0	N.R.	(888) 684-7370
CHEMUNG CANAL TRUST COMPANY	NY- VISA BUSINESS CARD	8.65	V	1	25	25	3,4,6,	(800) 836-3711
CITIBANK (BANAMEX USA)	N- MASTERCARD PLATINUM	7.24	V	1	25	0	1,4,10,	(800) 222-1234
CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION	N- PLATINUM SELECT MASTERCARD	10.7	V	1	20	0	N.R.	(800) 950-5114
CITIZENS FIRST BANK	FL- VISA PLATINUM	12.0	F	0	25	0	2,4,6,10,	(352) 259-3274
CITY NATIONAL BANK	R- VISA BUSINESS	16.0	F	0	25	50	2,3,4,6,10,	(800) 221-5920
CITY NATIONAL BANK OF TAYLOR, THE	TX- VISA AND MASTERCARD	13.9	F	0	25	0	4,6,	(800) 848-8472
CNB BANK	N- VISA GOLD	5.25	V	1	30	0	2,3,4,5,6,8,10,	(800) 492-3221
COLUMBUS BANK AND TRUST COMPANY	N- PLATINUM	7.15	V	1	25	0	N.R.	(800) 543-8227
COMMUNITY BANK & TRUST COMPANY	PA- VISA	12.0	F	0	25	0	10,	(800) 820-4642
COMPASS BANK	R- VISA	13.2	V	9	25	0	N.R.	(800) 239-5175
COPPERMARK BANK	R- MASTERCARD	16.2	V	1	25	15	N.R.	(405) 593-1557
COREFIRST BANK & TRUST	R- VISA CLASSIC	12.1	V	1	25	0	4,6,9,	(785) 267-8900
CREDIT ONE BANK, NATIONAL ASSOCIATION	N- VISA	23.9	F	0	25	69	N.R.	(877) 825-3242
D. L. EVANS BANK	N- VISA	11.2	V	1	25	20	2,3,4,5,6,8,10,	(208) 678-2529
DISCOVER BANK	N- DISCOVER MORE CARD	12.5	V	1	25	0	1,4,6,7,9,	(800) 347-2683
DOLLAR BANK, A FEDERAL SAVINGS BANK	R- VALUED CUSTOMER VISA	10.2	V	1	25	0	1,6,9,	(800) 447-2823
FAIRFIELD FEDERAL SAVINGS AND LOAN ASSOCIATION OF LANCASTER	OH- FAIRFIELD FEDERAL VISA GOLD	8.00	V	1	25	12	10,	(800) 650-0987
FIA CARD SERVICES, NATIONAL ASSOCIATION	N- BANK OF AMERICA PLATINUM PLUS VISA	14.0	V	1	20	0	3,4,6,10,	(800) 932-2775
FIDELITY BANK, THE	R- VISA	18.0	F	0	25	12	N.R.	(919) 552-2242
FIFTH THIRD BANK	R- PLATINUM MASTERCARD	8.99	V	1	20	0	3,4,6,8,9,10,	(877) 579-5353
FIRST BANK & TRUST EAST TEXAS	TX- VISA CLASSIC	13.9	F	0	25	0	4,	(888) 608-7787
FIRST CITIZENS BANK AND TRUST COMPANY, INC.	R- VISA	8.15	V	1	25	0	4,5,	(888) 612-4444

Federal Survey of Credit Card Plans II

Codes Used in the List of Plans

Availability: Refers to availability of card to consumers
N = Nationally
R = Only in selected states
State abbreviation = Only in state specified

Type of pricing
F = Fixed
V = Variable
T = Tiered, with different periodic rates for different levels of outstanding balance. Rate shown applies to the lowest of the balance tiers.

Index: The interest rate on variable-rate plans is based on an index. The codes shown in the list of plans correspond to the following indexes:
1 = Prime rate
2 = One-month Treasury bill rate
3 = Three-month Treasury bill rate
4 = Six-month Treasury bill rate
5 = One-year Treasury bill rate
6 = Federal funds rate
7 = Cost of funds to card issuer
8 = Federal Reserve discount rate
9 = Other
0 = Not applicable

Other features: Credit card issuers may add enhancements or other features to the plan without charging extra fees. These enhancements may include cash rebates, purchase protections, warranty guarantees, travel accident or automobile rental insurance, discounts on goods and services, and incentives for use 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 = Non-travel-related goods and services
8 = Credit card registration
9 = Reduced introductory interest rate available
10 = Other, not specified
N.R. = Not reported

Institution Availability and Credit Card Plan Annual Percentage Rate Type of Pricing Index Grace Period (days) Annual Fee Other
Features Company
Telephone
Number

FIRST COMMAND BANK N- VISA PLATINUM 4.25 V 1 30 0 2,4,6, (888) 763-7600

FIRST COMMERCIAL BANK AL- VISA PLATINUM 7.15 V 1 20 0 N.R. (800) 543-8227

FIRST COUNTY BANK CT- VISA CLASSIC 14.2 V 1 25 25 N.R. (203) 462-4200

FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION N- VISA 7.15 V 1 25 0 N.R. (800) 768-3248

FIRST FINANCIAL BANK, NATIONAL ASSOCIATION R- MASTERCARD CLASSIC 9.25 V 1 25 0 N.R. (800) 221-8890

FIRST FINANCIAL BANK, NATIONAL ASSOCIATION R- VISA CLASSIC 15.9 F 0 25 15 N.R. (800) 511-0045

FIRST HAWAIIAN BANK HI- MASTERCARD STANDARD 13.0 F 0 25 0 1,6,10, (800) 342-2778

FIRST INTERSTATE BANK R- VISA SCORECARD 16.0 V 1 25 35 4,5,6,8,9,10, (406) 255-5434

FIRST NATIONAL BANK & TRUST FL- MASTERCARD 14.9 F 0 30 20 N.R. (850) 796-2020

FIRST NATIONAL BANK ALASKA AK- MASTERCARD 13.9 F 0 25 0 4, (907) 777-4523

FIRST NATIONAL BANK AND TRUST COMPANY WY- VISA CLASSIC 13.9 F 0 25 0 4, (307) 754-1405

FIRST NATIONAL BANK OF FAIRFIELD, THE MT- VISA CLASSIC 15.6 F 0 25 0 4, (888) 311-2531

FIRST NATIONAL BANK OF IPSWICH, THE N- MASTERCARD 8.75 V 1 0 35 N.R. (800) 944-2726

FIRST NATIONAL BANK OF LITCHFIELD, THE CT- VISA CLASSIC 10.9 F 0 25 0 N.R. (888) 567-1814

FIRST NATIONAL BANK OF OMAHA N- VISA 12.0 V 1 20 0 1,2,3,4,6,7,9, (888) 530-3626

FIRST NATIONAL BANK OF ST. LOUIS R- MASTERCARD / VISA 17.4 F 0 25 0 1,4,5,7,9, (800) 445-9272

FIRST NATIONAL BANK OF THE MID-CITIES N- MASTERCARD REGULAR AND MASTERCARD GOLD 13.9 F 0 25 0 N.R. (817) 553-2500

FIRST SECURITY BANK AR- VISA 9.99 F 0 25 0 1,3,4,6, (501) 278-2133

FIRST STATE BANK NM- MASTERCARD CLASSIC 15.2 F 0 25 0 N.R. (800) 423-7503

FIRST TENNESSEE BANK NATIONAL ASSOCIATION MEMPHIS R- VISA 5.15 V 1 25 0 4,6,9, (800) 234-2840

FIRST-CITIZENS BANK & TRUST COMPANY R- VISA GOLD 8.00 V 1 25 0 4,10, (540) 561-4707

FIRSTBANK OF COLORADO R- VISA 13.9 V 1 25 0 2,4,6, (800) 964-3444

FIRSTMERIT BANK, N.A. R- VISA PLATINUM 7.24 V 1 25 0 2,4,6,9, (888) 554-4362

FRANKLIN TEMPLETON BANK & TRUST F.S.B. N- PLATINUM MASTERCARD 6.74 V 1 25 0 2,3,4,6,10, (800) 238-2761

GE MONEY BANK N- DISCOVER CARD 15.1 V 1 0 0 N.R. (800) 417-8321

GREENVILLE NATIONAL BANK OH- GREENVILLE NATIONAL BANK VISA 17.9 F 0 25 0 N.R. (937) 548-1114

HAWTHORN BANK MO- MASTERCARD PLATINUM 10.2 V 1 25 0 N.R. (800) 761-8362

HEARTLAND BANK OH- MASTERCARD 11.7 V 1 25 18 4,10, (800) 697-0049

HILLS BANK AND TRUST COMPANY IA- VISA PLATINUM 8.75 V 1 25 0 9, (800) 445-5725

HOME FEDERAL BANK OF TENNESSEE, FSB TN- VISA CLASSIC 12.8 F 0 25 15 6, (800) 299-9842

HSBC BANK USA, NATIONAL ASSOCIATION N- MASTERCARD 11.5 V 1 20 0 3,4,5,9,10, (877) 700-4722

HUNTINGTON STATE BANK TX- VISA 13.9 F 0 25 0 N.R. (936) 639-5566

IDAHO INDEPENDENT BANK N- VISA 10.2 V 1 25 15 3,4,5,6,7, (208) 947-1168

INFIBANK, N.A. N- VISA 12.0 V 1 20 0 1,2,3,4,6,7,9, (877) 875-8078

INTRUST BANK, NATIONAL ASSOCIATION N- VISA PLATINUM 10.9 V 1 25 0 N.R. (800) 222-7458

IRONSTONE BANK R- VISA GOLD 8.00 V 1 25 0 4,10, (540) 561-4707

JOHNSON BANK N- ELAN VISA 13.7 V 1 25 0 1,2,3,4,5,6,7,8,9,10, (800) 558-3424

KENTUCKY BANK KY- VISA 11.2 V 1 25 0 N.R. (859) 987-1795

Federal Survey of Credit Card Plans III

Codes Used in the List of Plans

Availability: Refers to availability of card to consumers
N = Nationally
R = Only in selected states
State abbreviation = Only in state specified

Type of pricing
F = Fixed
V = Variable
T = Tiered, with different periodic rates for different levels of outstanding balance. Rate shown applies to the lowest of the balance tiers.

Index: The interest rate on variable-rate plans is based on an index. The codes shown in the list of plans correspond to the following indexes:
1 = Prime rate
2 = One-month Treasury bill rate
3 = Three-month Treasury bill rate
4 = Six-month Treasury bill rate
5 = One-year Treasury bill rate
6 = Federal funds rate
7 = Cost of funds to card issuer
8 = Federal Reserve discount rate
9 = Other
0 = Not applicable

Other features: Credit card issuers may add enhancements or other features to the plan without charging extra fees. These enhancements may include cash rebates, purchase protections, warranty guarantees, travel accident or automobile rental insurance, discounts on goods and services, and incentives for use 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 = Non-travel-related goods and services
8 = Credit card registration
9 = Reduced introductory interest rate available
10 = Other, not specified
N.R. = Not reported

Institution Availability and Credit Card Plan Annual Percentage Rate Type of Pricing Index Grace Period (days) Annual Fee Other
Features Company
Telephone
Number

LOS ALAMOS NATIONAL BANK N- VISA 10.5 F 0 30 15 2,3,4,5,6,8, (505) 662-5171

M&I BANK FSB R- VISA CONSUMER 8.24 V 1 25 0 N.R. (800) 642-2657

MERCER SAVINGS BANK OH- VISA 11.9 F 0 25 20 N.R. (419) 586-5159

MERRICK BANK CORPORATION N- VISA CLASSIC 24.5 V 1 25 0 N.R. (800) 253-2322

MORTON COMMUNITY BANK N- VISA GOLD 8.00 V 1 25 0 N.R. (309) 266-5337

NATIONAL BANK OF BLACKSBURG, THE N- STANDARD VISA 13.9 F 0 25 0 N.R. (800) 951-6235

NATIONAL CITY BANK R- EVERYDAY REWARDS VISA 13.0 V 1 20 0 1,2,3,4,6, (800) 282-7541

NATIONAL GRAND BANK OF MARBLEHEAD MA- MASTERCARD 16.5 F 0 25 0 N.R. (781) 631-6000

NATIONWIDE BANK N- NWC PLATINUM 7.99 V 1 25 0 1,2,6,7,9, (866) 757-2720

NEW MILLENNIUM BANK N- VISA SECURED CREDIT CARD 19.5 F 0 0 59 2,4,5,6, (732) 729-4395

NEWBRIDGE BANK NC- VISA 8.00 V 1 25 0 10, (800) 456-6505

NEWFIELD NATIONAL BANK NJ- VISA 9.99 F 0 25 0 2,4,5,9,10, (800) 690-3440

NORDSTROM FSB N- VISA 10.9 V 1 25 0 3,4,6,10, (800) 964-1800

NORTH SIDE BANK AND TRUST COMPANY, THE R- VISA 6.25 V 1 25 0 3,6,10, (513) 542-7800

NORTHWEST SAVINGS BANK R- VISA CLASSIC 13.8 F 0 25 0 3,6, (877) 300-5768

OHIO VALLEY BANK COMPANY, THE R- VISA 10.3 V 1 25 15 N.R. (740) 441-9148

PARK BANK, THE WI- VISA PLATINUM SCORECARD 6.74 V 1 25 0 2,3,4,5,6,8,9,10, (800) 359-7275

PARK NATIONAL BANK, THE OH- CLASSIC VISA 18.0 F 0 25 12 N.R. (800) 762-2616

PENN SECURITY BANK AND TRUST COMPANY N- MASTERCARD 14.8 F 0 25 0 N.R. (570) 346-7741

PEOPLES FIRST COMMUNITY BANK FL- VISA (CUR LARGEST CREDIT CARD COMPANY) 10.9 F 0 30 0 9, (800) 624-9699

PINNACLE BANK R- VISA CLASSIC 16.0 V 9 25 0 4,5,6,10, (800) 369-7283

PLAINS COMMERCE BANK N- VISA / MASTERCARD 19.8 F 0 25 39 N.R. (605) 948-2278

PULASKI BANK AND TRUST COMPANY N- VISA CLASSIC / STANDARD 6.50 F 0 25 35 9, (800) 217-7715

QUAD CITY BANK AND TRUST COMPANY R- VISA CLASSIC 9.95 V 1 25 0 4,6,10, (877) 954-0190

RAINIER PACIFIC SAVINGS BANK N- VISA GOLD 8.75 V 1 25 0 N.R. (800) 228-2858

RANDOLPH NATIONAL BANK N- MASTERCARD 9.50 F 0 30 12 5,7, (802) 728-9611

RBC BANK (USA) R- VISA GOLD 9.74 V 1 21 0 2,4,6,8,9, (888) 257-6837

RBS CITIZENS, NATIONAL ASSOCIATION N- MASTERCARD PLATINUM 11.0 F 0 20 0 2,4,6,9,10, (888) 333-5145

ROCKPORT NATIONAL BANK R- MASTERCARD 10.0 V 1 25 0 N.R. (978) 546-3411

S & T BANK PA- VISA CLASSIC 7.50 V 1 25 15 4,6,10, (800) 325-2265

SAVINGS BANK OF MAINE ME- VISA CLASSIC 16.5 T 0 25 0 N.R. (888) 424-4184

SILVERTON BANK, N.A. N- MASTERCARD 11.2 V 1 25 30 4,5,6,7, (800) 854-7642

SIMMONS FIRST NATIONAL BANK OF PINE BLUFF N- VISA 7.25 F 0 25 0 4, (800) 272-2102

SOLVAY BANK NY- VISA CLASSIC 14.9 F 0 25 0 N.R. (315) 468-1661

STATE BANK OF CROSS PLAINS WI- VISA PLATINUM 15.0 F 0 25 35 4,6,8,9,10, (608) 798-5214

STATE FARM BANK, FSB N- PLATINUM REWARDS VISA 9.99 V 1 20 0 1,2,4,6,9, (877) 734-8472

SUNFLOWER BANK, NATIONAL ASSOCIATION N- VISA 4.90 V 1 25 0 3,4,6, (888) 827-5564

SUNTRUST BANK R- SUNTRUST PLATINUM REWARDS VISA 12.2 V 1 20 0 3,4,6,9, (800) 477-9702

Federal Survey of Credit Card Plans IIII

Codes Used in the List of Plans

Availability: Refers to availability of card to consumers
N = Nationally
R = Only in selected states
State abbreviation = Only in state specified

Type of pricing
F = Fixed
V = Variable
T = Tiered, with different periodic rates for different levels of outstanding balance. Rate shown applies to the lowest of the balance tiers.

Index: The interest rate on variable-rate plans is based on an index. The codes shown in the list of plans correspond to the following indexes:
1 = Prime rate
2 = One-month Treasury bill rate
3 = Three-month Treasury bill rate
4 = Six-month Treasury bill rate
5 = One-year Treasury bill rate
6 = Federal funds rate
7 = Cost of funds to card issuer
8 = Federal Reserve discount rate
9 = Other
0 = Not applicable

Other features: Credit card issuers may add enhancements or other features to the plan without charging extra fees. These enhancements may include cash rebates, purchase protections, warranty guarantees, travel accident or automobile rental insurance, discounts on goods and services, and incentives for use 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 = Non-travel-related goods and services
8 = Credit card registration
9 = Reduced introductory interest rate available
10 = Other, not specified
N.R. = Not reported

Institution Availability and Credit Card Plan Annual Percentage Rate Type of Pricing Index Grace Period (days) Annual Fee Other
Features Company
Telephone
Number

TCM BANK, NATIONAL ASSOCIATION N- VISA PLATINUM 13.0 V 1 25 0 2,3,4,6,9,10, (800) 813-0131

TD BANK, N.A. N- SIMPLY FLEXIBLE VISA 13.5 F 0 21 0 3,4,9, (888) 561-8861

TEXAS BANK AND TRUST COMPANY TX- VISA CLASSIC 13.9 F 0 25 0 N.R. (903) 237-5680

TIB THE INDEPENDENT BANKERSBANK N- VISA AND MASTERCARD 12.9 V 1 25 0 N.R. (800) 367-7576

TOWN NORTH BANK NEVADA, NATIONAL ASSOCIATION N- MASTERCARD 7.99 V 9 25 0 4,9, (800) 820-8417

TOYOTA FINANCIAL SAVINGS BANK N- LEXUS PURSUITS VISA 12.0 V 1 25 0 1,3,4,9, (888) 777-5555

TRUSTMARK NATIONAL BANK R- VISA 13.9 V 1 30 0 1,3,4,9, (601) 208-7685

U.S. BANK NATIONAL ASSOCIATION ND R- VISA 5.90 V 1 25 0 9, (800) 285-8585

UMB BANK, NATIONAL ASSOCIATION N- VISA PLATINUM 9.15 V 1 20 0 4,6,9, (800) 821-5184

UNION BANK AND TRUST COMPANY R- VISA CLASSIC 15.0 V 1 25 0 10, (800) 297-2837

UNITED BANK, INC. R- VISA 10.0 V 1 25 0 10, (800) 242-7600

UNIVEST NATIONAL BANK AND TRUST CO. PA- VISA PLATINUM REWARDS 13.0 F 0 25 0 1, (877) 440-2273

USAA SAVINGS BANK N- MASTERCARD 10.6 V 1 25 0 N.R. (800) 531-8722

VALLEY NATIONAL BANK NJ- MASTERCARD 16.8 F 0 25 0 N.R. (800) 522-4100

WACHOVIA BANK, NATIONAL ASSOCIATION N- VISA PLATINUM WITH REWARDS 8.99 V 1 25 0 9,10, (800) 922-4084

WALLIS STATE BANK, THE TX- WALLIS STATE BANK VISA 14.9 F 0 25 0 4,5,6,8, (979) 478-6151

WAYNE BANK AND TRUST CO. N- VISA PLATINUM 11.0 F 0 25 0 N.R. (888) 769-2963

WELLS FARGO BANK, NATIONAL ASSOCIATION N- VISA 13.3 V 1 25 0 N.R. (800) 642-4720

WELLS FARGO FINANCIAL BANK BRANCH R- VISA 20.4 V 1 25 20 N.R. (605) 336-3933

WELLS FARGO FINANCIAL NATIONAL BANK N- HOME PROJECTS VISA 12.9 V 1 20 0 N.R. (800) 459-8451

WEST SUBURBAN BANK IL- VISA CLASSIC 13.8 V 1 25 0 N.R. (630) 652-2000

WHITNEY NATIONAL BANK R- VISA 9.25 V 1 25 0 N.R. (800) 326-3501

WILMINGTON TRUST COMPANY N- MASTERCARD 13.0 V 4 25 18 4,5,8,10, (800) 523-2378

WORLD FINANCIAL NETWORK NATIONAL BANK N- GANDER MOUNTAIN MASTERCARD GOLD 20.0 V 1 23 0 7, (888) 332-4709

WORLD'S FOREMOST BANK N- CABELA'S VISA CLASSIC (REWARDS) 13.0 V 9 20 0 1,6, (800) 850-8402

YORK STATE BANK AND TRUST COMPANY N- VISA 14.0 F 0 20 0 3,4,6,9,10, (402) 362-4411

ZIONS FIRST NATIONAL BANK R- VISA CLASSIC 12.3 V 1 25 0 2,4,6,10, (888) 758-5349