New York State Banking Credit Card Survey 2009

EfectivaTM Visa® Platinum Plus®

PO Box 15020 Wilmington, DE 19850

Card issued by : Bank of America
Card Type : MasterCard
Card Class : Platinum
Card Category : Cash Back
Margin Index : Prime + 6.74-16.74%
Purchase APR : 9.99%-19.99%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : $0
Over-the-Limit Fee : $39 depending on the acct balance on the fee assessment date. depending on balance
Late Payment Fee : $15 - $39 depending on the acct balance on the fee assessment date. depending on balance
Penalty/Default APR : 27.24%
Penalty/Default Trigger : Each time payment is late (i.e. not received by 5 p.m. on the due date), or the account is over the limit the penalty rate may be applied.
Maximum Default APR :None
Universal Default Clause : No
Foreign Currency Fee : 3%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	None N/A 20 days N/A N/A N/A N/A	00.00% 6 months None 3% (4% after the intro offer) N/A $10 None	24.24% N/A None N/A 4-5% $10 None

Rebate Description: Receive bilingual communication and services in Spanish and English. Earn 1 point for every $100 in net monthly purchases. Every point earned is $1 back to you (up to $600 annually on monthly purchases and balance transfers). Earn 5 bonus points with your first purchase. Earn 5 points for every $2,500 in net monthly balance transfers from non-FIA Card Services accounts. Points are good for four calendar years. Rewards start at just 25 points (points are redeemed in increments of 25 with no annual cap on point redemption). 25 points equal $25 cash back in the form of a check sent to you. 25 points equal a $25 credit to your Bank of America checking or savings account.
Special Notes: Transaction fee for Cash Equivalents: 3% of each such cash advance (minimum $10). Cash Equivalents include the purchase of money orders, foreign currency, and travelers checks from a non-financial institution, person-to-person money transfers, bets, lottery tickets, casino gaming chips and, as of August 11, 2007, will include fines and bail bonds.

Elite Rewards® World MasterCard® Credit Card

PO Box 15020 Wilmington, DE 19850

Card issued by : Bank of America
Card Type : MasterCard
Card Class : Platinum
Card Category : Airline/Travel Rewards
Margin Index : N/A 4.99%-14.99%
Purchase APR : 08.24% - 18.24%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : $5,000
Maximum Credit Limit : N/A
Annual Fee : $0
Over-the-Limit Fee : WorldCard $0, Platinum/Preferred=$15 - $39 depending on balance
Late Payment Fee : $15 - $39 depending on the balance depending on balance
Penalty/Default APR : 27.24%
Penalty/Default Trigger : Each time your minimum payment is late, or the account balance is over the credit limit, they may increase each of your account?s Standard APRs up to the Default APR.
Maximum Default APR :None
Universal Default Clause : No
Foreign Currency Fee : 03.00%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	None N/A 20 days N/A N/A N/A N/A	0% 15 months None 03.00%, 4% after intro N/A $10 None	19.24% N/A None N/A 3.00% $10 None

Rebate Description: Earn one point for every net retail purchase dollar you spend with the Elite Rewards World MasterCard credit card. Earn 500 Bonus Points after first qualifying purchase with the account. Earn Bonus Points for every net retail dollar you spend at participating merchants. Earn up to a maximum of 7,500 points per month. Redemption level starts as low as 800 points. Choose from over 125 U.S. based airlines with no blackout dates or seat restrictions. Earn car rentals at AVIS. Hotel Accommodations. Certificates to use at participating retailers and restaurants, such as: The Home Depot, Lowes, Best Buy, Target, Macy's, Red Lobster, SuncoastSM, Six Flags, Cinemark Theaters. Any points that you earn will remain in your account for four (4) years from the end of the calendar quarter in which they are earned.
Special Notes: Transaction fee for the purchase of wire transfers from a non-financial institution: 3% of each such purchase (minimum $10). Transaction fee for Cash Equivalents posted either during the Promotional Period for Purchases or before January 19, 2008: 3% of each such purchase (minimum $10). Cash Equivalents posted to your account on or after January 19, 2008 will be Cash Advances and will be subject to the transaction fee for Cash Equivalents as noted.

Emigrant Savings Bank Platinum Edition® Visa®

5 East 42 Street New York, NY 10017

Card issued by : First National Bank of Omaha
Card Type : Visa
Card Class : Platinum
Card Category : Cash Back
Margin Index : Prime +
Purchase APR : 07.24 - 20.24%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : $0
Over-the-Limit Fee : $35 depending on balance
Late Payment Fee : $35 - $39 depending on balance
Penalty/Default APR : 27.24% V
Penalty/Default Trigger : fail to make a minimum payment when due; exceed the credit limit; or make a payment that is dishonored for any reason
Maximum Default APR :
Universal Default Clause : Yes
Foreign Currency Fee : 3%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	None N/A 20 days N/A N/A N/A N/A	0% 6 months None 3% N/A $5 None	20.99% V N/A None N/A 4% $10/$20 None

Rebate Description: $10 reward check upon approval. $10 reward check when you make your first purchase. $25 reward check or rebate credit to your account for every $2,500 in purchases on the card (1% cash back for every dollar you spend).
Special Notes: Purchase Protection, Extended Warranty, Year-End Summary upon request, Travel Assistance, Travel Discounts and more.

Emigrant Savings Bank Visa® Signature

5 East 42 Street New York, NY 10017

Card issued by : First National Bank of Omaha
Card Type : Visa
Card Class : Platinum
Card Category : Reward Points
Margin Index : Prime + 3.99-16.99%
Purchase APR : 07.24 - 20.24%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : $0
Over-the-Limit Fee : $39 depending on balance
Late Payment Fee : $35 - $39 depending on the balance depending on balance
Penalty/Default APR : 27.24% V
Penalty/Default Trigger : Failing to make a min. payment when due; exceeding the credit limit; or making a payment that is dishonored for any reason.
Maximum Default APR :
Universal Default Clause : Yes
Foreign Currency Fee : 3%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	None N/A 20 days N/A N/A N/A N/A	0% 6 months None 3% N/A $10 None	20.99% V N/A None N/A 4% $10/$20 None

Rebate Description: Earn 1 reward point for every $1 in purchases. Earn 1,000 bonus point with the 1st use of the card. Redeem points for travel, gift certificates, merchandise, and cash back. Annual point cap of 75,000 points and 5 year point expiration.
Special Notes: APR may vary based on credit worthiness.

ESL Visa Classic

100 Kings Hwy South Rochester, NY 14617

Card issued by : ESL FCU
Card Type : Visa
Card Class : Classic/Standard
Card Category : Low Intro Rate
Margin Index : Prime + 7.40%
Purchase APR : 10.65%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : $0
Over-the-Limit Fee : $29 depending on balance
Late Payment Fee : $29 depending on balance
Penalty/Default APR : 18%
Penalty/Default Trigger : If the account becomes past due because you fail to make the minimum payment for two consecutive billing cycles.
Maximum Default APR :None
Universal Default Clause : No
Foreign Currency Fee : Unknown
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	5.90% 6 months 25 days N/A N/A N/A N/A	None None None None N/A None None	N/A N/A None N/A N/A None None

Rebate Description: N/A
Special Notes: Participates in the Visa Rewards for special offers to Visa Cardholders. Get back some of the interest you pay with Owners Dividend.

ESL Visa Gold

100 Kings Hwy South Rochester, NY 14617

Card issued by : ESL FCU
Card Type : Visa
Card Class : Gold
Card Category : Low Intro Rate
Margin Index : Prime + 4.40%
Purchase APR : 7.65%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : $5,000
Maximum Credit Limit : $15,000
Annual Fee : $0
Over-the-Limit Fee : $29 depending on balance
Late Payment Fee : $29 depending on balance
Penalty/Default APR : 18%
Penalty/Default Trigger : If the account becomes past due because you fail to make the minimum payment for two consecutive billing cycles.
Maximum Default APR :None
Universal Default Clause : No
Foreign Currency Fee : Unknown
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	5.90% 6 months 25 days N/A N/A N/A N/A	None None None None N/A None None	N/A N/A None N/A N/A None None

Rebate Description: N/A
Special Notes: Participates in the Visa Rewards for special offers to Visa Cardholders. Get back some of the interest you pay with Owners Dividend. Extra gold card benefits.

Evans National Bank Cash Rewards Visa® Platinum Card

14-16 North Main Angola, NY 14006

Card issued by : Evans National Bank
Card Type : Visa
Card Class : Platinum
Card Category : Cash Back,Low Interest
Margin Index : Prime + 3.99 - 16.99%
Purchase APR : 07.24- 20.24%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : $0 the first year and every year that you charge at least one purchase to the account, otherwise $40.
Over-the-Limit Fee : $39 depending on balance
Late Payment Fee : $35 - $39 depending on balance
Penalty/Default APR : 27.24%
Penalty/Default Trigger : The Delinquency Rate will apply to all balances in the event the account is 15 days past due once or 5 days past due twice in any twelve (12) month period, OR may apply if your account is over limit two times in twelve (12) consecutive months.
Maximum Default APR :None
Universal Default Clause : Yes
Foreign Currency Fee : 3.00%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	0% 6 months 25 days N/A N/A N/A N/A	0% 6 months None 3% (waived for intro) N/A $5 None	20.99% N/A None N/A 4% $10/$20 None

Rebate Description: Earn a cash rebate - up to 1% - on purchases made with your credit card. $0 - 1,000 = .25%, $1,001 - 2,000 = .50%, $2,001 - 3,000 = .75%, $3,001+ = 1.00%. The annual cash rewards cap is $350. Rewards are earned on net purchases only.
Special Notes: If you do not qualify for the Cash Rewards Visa Platinum Card, you will automatically be considered for the Visa Platinum (Alternative Pricing) card.

Evans National Bank College Rewards Visa® Card

14-16 North Main Angola, NY 14006

Card issued by : Evans National Bank
Card Type : Visa
Card Class : Platinum
Card Category : Student
Margin Index : Prime + 5.99 - 14.99%
Purchase APR : 9.24- 18.24%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : $0 the first year and every year that you charge at least one purchase to the account, otherwise $20. Or
Over-the-Limit Fee : $39 depending on balance
Late Payment Fee : $19 - $39 depending on balance
Penalty/Default APR : 27.24%
Penalty/Default Trigger : The Delinquency Rate will apply to all balances in the event the account is 15 days past due once or 5 days past due twice in any twelve (12) month period, OR may apply if your account is over limit two times in twelve (12) consecutive months.
Maximum Default APR :None
Universal Default Clause : Yes
Foreign Currency Fee : 3.00%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	None N/A 25 days N/A N/A N/A N/A	None N/A None 3% (waived for intro) N/A $5 None	20.99% N/A None N/A 3 - 5% $10 None

Rebate Description: 1,000 point enrollment bonus. Earn 1 point for every net purchase dollar charged to your College Rewards Visa? Card, good for CD's, movie rentals, event tickets, electronics, restaurant certificates and much more. The maximum number of points that can be earned annually is 30,000. Reward points expire 5 years from the end of the quarter during which they were earned.
Special Notes: None

Evans National Bank Select Rewards Visa® Platinum Card

14-16 North Main Angola, NY 14006

Card issued by : Evans National Bank
Card Type : Visa
Card Class : Platinum
Card Category : Reward Points
Margin Index : Prime + 3.99 - 14.99%
Purchase APR : 07.24 - 18.24%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : $0
Over-the-Limit Fee : $39 depending on balance
Late Payment Fee : $15 - $39 depending on balance
Penalty/Default APR : 27.24%
Penalty/Default Trigger : The Delinquency Rate will apply to all balances in the event the account is 15 days past due once or 5 days past due twice in any twelve (12) month period, OR may apply if your account is over limit two times in twelve (12) consecutive months.
Maximum Default APR :None
Universal Default Clause : Yes
Foreign Currency Fee : 3%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	0% 6 months 25 days N/A N/A N/A N/A	0% 6 months None 3% (waived for intro) N/A $5 None	20.99% N/A None N/A 4% $10/$20 None

Rebate Description: Earn 1,000 bonus points with your very first credit card purchase. Earn 1 point for every net purchase dollar you spend. Starting at 1,000 points, you may redeem points for rewards such as gift certificates, merchandise, travel and much more. There is no limit on the number of points you can earn per billing cycle. Rewards points expire 5 years from the end of the quarter during which they were earned.
Special Notes: If you do not qualify for the Select Rewards Visa Platinum Card, you will automatically be considered for the Visa Platinum (Alternative Pricing) card.

Evans National Bank Visa® Platinum Card

14-16 North Main Angola, NY 14006

Card issued by : Evans National Bank
Card Type : Visa
Card Class : Platinum
Card Category : Low Interest,Regular
Margin Index : Prime + 3.99 - 16.99%
Purchase APR : 07.24 - 20.24%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : $0 the first year and every year that you charge at least one purchase to the account, otherwise $40. Or $29 depending on your credit history at account opening.
Over-the-Limit Fee : $39 depending on balance
Late Payment Fee : $15 - $39 depending on balance
Penalty/Default APR : 27.24%
Penalty/Default Trigger : The Delinquency Rate will apply to all balances in the event the account is 15 days past due once or 5 days past due twice in any twelve (12) month period, OR may apply if your account is over limit two times in twelve (12) consecutive months.
Maximum Default APR :None
Universal Default Clause : Yes
Foreign Currency Fee : 3%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	0% 6 months 25 days N/A N/A N/A N/A	0% 6 months None 3% (waived for intro) N/A $5 None	20.99% N/A None N/A 4% $10/$20 None

Rebate Description: N/A
Special Notes: None

EverCard Visa® Platinum

11 Oual Drive Islandia, NY 11749

Card issued by : Everbank
Card Type : Visa
Card Class : Platinum
Card Category : Regular
Margin Index : Prime +
Purchase APR : 09.90 - 12.90%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : $50,000
Annual Fee : $0 ($49 for Visa Rewards)
Over-the-Limit Fee : $29 depending on balance
Late Payment Fee : $29 depending on balance
Penalty/Default APR : 16.90%-20.90%
Penalty/Default Trigger : Failing to make minimum payment when due or exceeding the credit limit. Serious default: failing to make minimum payment within 60 days of the due date, failing to make 2 minimum payments by the due date within 12 consecutive billing cycles, making payment that is not honored, failing to pay other creditors on time, failing to provide complete and accurate financial info. at any time, becoming subject to bankruptcy or insolvency proceedings, failing to comply with any terms of the acct, or if they reasonably believe the likelihood of payment is significantly impaired.
Maximum Default APR :None
Universal Default Clause : Unknown
Foreign Currency Fee : 01.00%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	N/A N/A 25 days N/A N/A N/A N/A	N/A N/A None 03.00% N/A None $50	18.90% N/A None N/A 02.50% $2.50 None

Rebate Description: For $49/year, enroll in the Visa Extras Rewards program and earn 4 points for each dollar you spend using your EverCard. With the Visa Extras Program: Redeem your points for travel on any U.S.- based airline for flights originating within the U.S. No seat restrictions and No blackout dates. Begin earning free travel with 100,000 points. Scale is equivalent to earning a ticket at 25,000 points in a program that offers 1 point per $1. Redeem points for merchandise and travel certificates. Track and redeem points online.
Special Notes: None

ExxonMobil MasterCard®

100 Citibank Drive San Antonio, TX 78245

Card issued by : Citi Bank
Card Type : MasterCard
Card Class : Classic/Standard
Card Category : Cash Back
Margin Index : Prime + 11.99%
Purchase APR : 15.24%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : $500
Maximum Credit Limit : N/A
Annual Fee : $0
Over-the-Limit Fee : $35 depending on balance
Late Payment Fee : $39 depending on balance
Penalty/Default APR : 27.24% V
Penalty/Default Trigger : APRs may automatically increase up to the Default APR if default under any Card Agreement with Citi because of failing to make payment when due, exceeding the credit line, or making payment that is not honored.
Maximum Default APR :None
Universal Default Clause : No
Foreign Currency Fee : 3%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	0% 6 months 20 days N/A N/A N/A N/A	0% 6 months None 3% N/A $5 None	19.99% V N/A None N/A 3% $5 None

Rebate Description: Earn a 3% rebate on all purchases at over 14,000 Exxon and Mobil stations across the U.S. Get a 1% rebate on all other purchases. Purchases returned for credit do not earn a rebate and the balance will be adjusted (incl. rebates already redeemed) in the event that the qualifying purchase is returned. The rebate will be automatically applied on future billing statements as a credit against future qualifying purchases at Exxon and Mobil locations. The account must remain open and not be in default under any Card Agreement in order to earn a rebate. Rebates do not apply to cash advances, fees, finance charges or other ancillary fees. Any rebates not redeemed within 6 monthly billing cycles after the billing cycle in which they are earned will expire. There is no limit on the amount of rebates that you can earn.
Special Notes: None

ExxonMobil Platinum MasterCard®

100 Citibank Drive San Antonio, TX 78245

Card issued by : Citi Bank
Card Type : MasterCard
Card Class : Platinum
Card Category : Cash Back
Margin Index : Prime + 7.99%
Purchase APR : 11.24%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : $500
Maximum Credit Limit : N/A
Annual Fee : $0
Over-the-Limit Fee : $35 depending on balance
Late Payment Fee : $39 depending on balance
Penalty/Default APR : 27.24% V
Penalty/Default Trigger : APRs may automatically increase up to the Default APR if default under any Card Agreement with Citi because of failing to make payment when due, exceeding the credit line, or making payment that is not honored.
Maximum Default APR :None
Universal Default Clause : No
Foreign Currency Fee : 3%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	0% 6 months 20 days N/A N/A N/A N/A	0% 6 months None 3% N/A $5 None	19.99% V N/A None N/A 3% $5 None

Rebate Description: Earn a 3% rebate on all purchases at over 14,000 Exxon and Mobil stations across the U.S. Get a 1% rebate on all other purchases. Purchases returned for credit do not earn a rebate and the balance will be adjusted (incl. rebates already redeemed) in the event that the qualifying purchase is returned. The rebate will be automatically applied on future billing statements as a credit against future qualifying purchases at Exxon and Mobil locations. The account must remain open and not be in default under any Card Agreement in order to earn a rebate. Rebates do not apply to cash advances, fees, finance charges or other ancillary fees. Any rebates not redeemed within 6 monthly billing cycles after the billing cycle in which they are earned will expire. There is no limit on the amount of rebates that you can earn.
Special Notes: To receive a ExxonMobil Platinum MasterCard, you must have an annual income of at least $25000 and you must meet credit qualification criteria for the ExxonMobil Platinum MasterCard. Otherwise, you may receive a ExxonMobil MasterCard, provided you meet credit qualification criteria for the ExxonMobil MasterCard. The ExxonMobil MasterCard does not have as many benefits as the ExxonMobil Platinum MasterCard.