New York State Banking Credit Card Survey 2009

NASCAR® RacePointsSM Platinum Plus® Visa® Card

PO Box 15020 Wilmington, DE 19850

Card issued by : Bank of America
Card Type : Visa
Card Class : Platinum
Card Category : Reward Points
Margin Index : N/A 4.99%-14.99%
Purchase APR : 8.24% - 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 : $15 - $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 : 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	0.00% 12 months None 03.00% N/A $10 None	19.24% N/A None N/A 03.00% $10 None

Rebate Description: 2500 points = tickets to NASCAR NEXTEL Cup Series Bass Pro Shops 500, 14,900 Points = ProScan 100 scanner, 50,000 Points = Access to Driver Introduction Red Carpet, and 175,000 Points = Crew Chief for a Day. Earn 1 point for each dollar in new net retail purchases charged to the officially licensed NASCAR Bank of America Visa credit card. Cash advances, balance transfers, purchases of money orders or other cash equivalents, out-of-network payments made through Bill Pay ChoiceSM, purchases made by or for a business or for a business purpose, and fraudulent or unauthorized transactions do not earn points. All earned points are sent to your NASCAR RacePointsSM account at the end of the billing cycle. No point limits. No expiration of points if RacePoints account remains active.
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.

National City Bank Elite Visa

1900 East 9th Street Cleveland, OH 44114

Card issued by : National City Bank
Card Type : Visa
Card Class : Classic/Standard
Card Category : Reward Points
Margin Index : Prime + 3.99- 12.99%
Purchase APR : 7.24-16.24%
Finance Calculation Method : Two-Cycle Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : $0
Over-the-Limit Fee : $36 depending on balance
Late Payment Fee : $29 - $39 depending on the balance depending on balance
Penalty/Default APR : 24.90% F
Penalty/Default Trigger : If any payment is received after the due date, you fail to make a payment to another creditor when due or you make a payment that is not honored by your financial institution.
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	None N/A 20 days N/A N/A N/A N/A	0% 6 months None 3% after the intro offer N/A $10 None	19.24% N/A None N/A 3% None None

Rebate Description: Become eligible for 5,000 bonus points in the points from National City program. Redeem these points for merchandise. What you get: Bonus Points = 5,000 for first use of your credit card, Ongoing transaction points = 2 points per $1 spent using credit card up to $5,000 annually and 5 points per $1 spent using credit card more than $5,000 annually. Eligible Net Purchases means purchases of goods or services made by you or your authorized user, minus merchant credits. Does not incl. finance charges, annual fees, non-qualifying balance transfers, transactions made at a financial institution, cash advance transactions (incl. access checks, ATM disbursements, and automated teller or cash equivalent item transactions), insurance premiums, debt cancellation fees, late fees, overlimit fees and other fees and charges assessed on the acctassessed on the acct or purchases made at merchants with gambling, or gaming merchant category codes.
Special Notes: None

National City Bank Everyday Rewards Visa®

1900 East 9th Street Cleveland, OH 44114

Card issued by : National City Bank
Card Type : Visa
Card Class : Platinum
Card Category : Cash Back
Margin Index : Prime + 5.99 - 15.99%
Purchase APR : 9.24-17.24%
Finance Calculation Method : Two-Cycle Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : $0
Over-the-Limit Fee : $36 depending on balance
Late Payment Fee : $29 - $39 depending on the balance depending on balance
Penalty/Default APR : 27.15%
Penalty/Default Trigger : If any payment is received after the due date, you fail to make a payment to another creditor when due or you make a payment that is not honored by your financial institution.
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	None N/A 20 days N/A N/A N/A N/A	None N/A None 3% after the intro offer N/A $10 None	19.24% N/A None N/A 3% None None

Rebate Description: 4% on gasoline at the pump. Up to $250 in monthly purchases. 3% on cinema and video rentals. Up to $150 in monthly purchases. 2% on groceries, restaurants and fast food. Up to $750 in monthly purchases. Up to 1% on everything else. .25% on first $10,000 each year, 1% thereafter with no limits. Once $100 in rebates are accumulated, they automatically send a check attached to the next monthly statement. Accts must be in good standing. Eligible Net Purchases means purchases of goods or services made by you or your authorized user, minus merchant credits. Does not incl. finance charges, annual fees, non-qualifying balance transfers, transactions made at a financial institution, cash advance transactions (incl. access checks, ATM disbursements, and automated teller or cash equivalent item transactions), insurance premiums, debt cancellation fees, late fees, overlimit fees and other fees and charges assessed on the acctor purchases made at merchants with gambling, or gaming merchant category codes.
Special Notes: None

Nature Conservancy Platinum Plus® Visa® Card with WorldPoints® Rewards

PO Box 15020 Wilmington, DE 19850

Card issued by : Bank of America
Card Type : Visa
Card Class : Platinum
Card Category : Reward Points
Margin Index : N/A
Purchase APR : 11.99 - 19.99%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : $0.00
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 : 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	N/A N/A 20 days N/A N/A N/A N/A	0.00% 12 months None 03.00% N/A $10.00 None	24.24% F N/A None N/A 04.00% $10.00 None

Rebate Description: For every new account that is opened and every purchase made with the card, Bank of America will make a contribution to Nature Conservancy - at no additional cost to you.
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.

NFL Extra PointsTM Credit Card

PO Box 15020 Wilmington, DE 19850

Card issued by : Bank of America
Card Type : Visa
Card Class : Platinum
Card Category : Reward Points
Margin Index : N/A 4.99%-14.99%
Purchase APR : 8.24 - 18.24%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : None
Over-the-Limit Fee : $15 - $39 depending on balance
Late Payment Fee : $15 - $39 depending on balance
Penalty/Default APR : 27.24%
Penalty/Default Trigger : Each time your minimum payment is late (i.e., not received by 5 p.m., ET, on its Payment Due Date), or the account balance is over the credit limit.
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	0.00% 12 months None 03.00% N/A $10 None	19.24% F N/A None N/A 03.00% $10 None

Rebate Description: Points are redeemable for a variety of NFL Team experiences, collectibles, and/or merchandise. Earn one point per dollar spent on new eligible net retail purchase transactions (eligible purchases less credits, returns, and adjustments) made everywhere the credit card is accepted. Balance Transfers, cash advances, including purchases of cash equivalents, unauthorized/fraudulent transactions and certain other transactions do not earn points. Unredeemed points expire after a rolling five year period. Points are not transferable and have no cash value.
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 before April 19, 2008: 3% of each such purchase (minimum $10). Non-promotional Cash Equivalents posted to your account on or after April 19, 2008 will be Cash Advances and will be subject to the transaction fee for Cash Equivalents as noted.