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