Prorates INC. continuous updates to our 201 National ...

Prorates Inc. 2019 Cards Report Features Include: Consumer & Business Cards (@) Including list of all cards for BIG 7 Banks

(@) Easy to read Executive Summary with charts and table data Credit Scores for major lenders All rates and fees Including credit tiers Rewards summary fields for easy review Rewards notes details Changes report showing side by side changes for all data points over six month period Single entry summary report Bonus reports include FDIC & NCUA Call Data, Plus G19 and H15 summary and Charts, (@) Animated Interactive History Charts for Rates, Fees, Rewards. Interactive US Map showing certain State Avgs card data.

Our most beneficial improvements are: 2 year cost ranking summary for ALL consumer cards! 2 year valuation of points and cash cards for all major lenders, based on common spending assumptions.

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Sample Data Below ...

NOTES:

(@) Samples for these are Not Shown. History chart sample is only 1 category.

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sample USA Credit Cards +Rewards-2016.xls - Averages & Market Data

12/3/2016

Page 1

Consumer Data - S A M P L E

Credit Card Averages

November May

Difference:

November

Count 407 383 24

AVG Tsr Rate

2.000

May

1.000

Difference:

1.000

Low Rate 5.000 5.000 0.000

AVG Tsr Period

High Rate 25.000 25.000 0.000

AVG Index Value

15

3.419

15

3.455

0

(-0.04)

Avg. Rate 18.000 17.000 -0.032

AVG Spread

12.843

12.886

(-0.04)

Avg. Rate Change -0.071 0.263 -0.334

Rate Change 27 279 -252

Inactive 38 24 14

AVG CashAdv Rate

AVG Rate CAP

AVG MIN $

20.000

29.000

$1,362.29

19.500

27.000

$1,302.22

0.50

2.00

60.07

New 62 29 33

AVG MAX $

$20,737.10

CHGs+ 12 272 -260

CHGs15 7 8

AVG

AVG

Late Charge Annual Fee

AVG Overlimit Fee

$35.00

$50.00

$20.00

AVG Bal Xfer %

3.000

AVG Bal Xfer Min$

$5.00

AVG

AVG

AVG

AVG

AVG

AVG

Bal Xfer Max$ Cash Adv % Cash Adv Min$ Cash Adv Max$ Foreign Xaction% Return Pay

$7.00

3.500

$8.00

$10.00

2.000

$25.00

$20,468.67

$32.00

$40.00

$19.00

3.000

$4.00

$7.50

3.250

$6.00

$11.00

3.000

$27.00

268.43

3.00

10.00

1.00

0.00

1.00

(-0.50)

0.25

2.00

(-1.00)

(-1.00)

(-2.00)

Business Data - S A M P L E

Credit Card Averages

November May

Difference:

November

Count 102 97 5

AVG Tsr Rate

0.000

Low Rate 9.240 9.240 0

High Rate 25.240 29.990 (-4.75)

AVG Tsr Period

AVG Index Value

9

4.398

Avg. Rate 16.259 16.334 (-0.08)

AVG Spread

14.861

May

0.000

8

4.387

15.051

Difference:

0.000

1

Excludes Inactives

0.01

(-0.19)

Green indicates an increase in data field from May Red indicates a decrease in data field from May

Avg. Rate Change -2.833 0.339 (-3.17)

Rate Change 3 83 (80)

Inactive 2 4 (2)

AVG CashAdv Rate

AVG Rate CAP

AVG MIN $

25.234

29.973

$2,465.69

24.824

29.061

$2,335.05

0.41

0.91

130.64

New 6 7 (1)

AVG MAX $

$34,362.75

CHGs+ 1

79

CHGs2

4

AVG

AVG

Late Charge Annual Fee

$30.34

$30.82

AVG Overlimit Fee

$24.32

$31,958.76

$30.41

$28.65

$23.76

2,403.99

(-0.07)

2.17

0.56

AVG Bal Xfer %

4.050

4.000

0.05

AVG Bal Xfer Min$

$5.00

$6.00

(-1.00)

AVG

AVG

AVG

AVG

AVG

AVG

Bal Xfer Max$ Cash Adv % Cash Adv Min$ Cash Adv Max$ Foreign Xaction% Return Pay

$7.00

5.000

$15.00

$12.00

3.000

$20.00

$7.00

4.000

$14.00

$13.00

5.000

$22.00

0.00

1.00

1.00

1.00

(-2.00)

(-2.00)

Prorates INC. 888.776.7285 (C) Copyright

sample USA Credit Cards +Rewards-2016.xls - Averages & Market Data

12/3/2016

Totals* & Weighted Avg. Consumer & Business

Count* Low Rate High Rate AVG Rate* AVG Rate Change* Rate Change* Inactive*

New*

AVG Teaser* CHGS up +* CHGS dn -*

November

510

6.000

25.000

18.000

-0.888

30

40

68

2.000

13

17

N/C* 350

30.00

25.00

20.00

15.00

10.00

5.00

0.00

(5.00)

Low Rate High Rate AVG Rate*

AVG Rate AVG Teaser* Change*

350 72%

17 3% 13

3%

Inactive*

New*

40 8% 68 14%

CHGS up +*

CHGS dn -*

N/C*

Page 2

Averages Comparison

Consumer Data May, 2016 Consumer Data Nov, 2015 Business Data May, 2016 Business Data Nov, 2015

29.99 25.24 25.00 25.00

35.00 30.00 25.00

18.00 17.00 16.33 16.26

0.34

0.26

(0.07)

(2.83)

Avg. Rate Change

Avg. Rate

High Rate

20.00

15.00

9.24 9.24

10.00

5.00 5.00

5.00

0.00

Low Rate

(-5.00)

Prorates INC. 888.776.7285 (C) Copyright

sample USA Credit Cards +Rewards-2016.xls - Averages & Market Data

Consumer Data

New

Inactive

Banks CUs

Difference

47 15 32.00

24 14 10.00

Count 268 139 129.00

Rate CHG + 12 0

12.00

Rate CHG 9 6

3.00

12/3/2016

Credit Card: Banks vs. Credit Unions

LowRate 7.000 6.000 1.00

High Rate 30.000 25.000

5.00

AVG Rate Change

0.334

-1.542

1.88

AVG Rate 15.000

12.000

3.00

AVG Tsr Rate 1.000

3.000

(-2.00)

AVG Tsr Period

15

AVG Cash Adv Rate

25.000

AVG Rate CAP

30.000

10

20.000

20.000

5

5.000

10.000

AVG Late Charge

$35.00

AVG

AVG

Annual Fee Overlimit Fee

$50.00

$10.00

$30.00

$40.00

$15.00

$5.00

$10.00

(-5.00)

AVG Return Pay $35.00

$25.00

$10.00

AVG Foreign % 3.000

2.500

0.500

Credit Card Market Data 2015 US Purchase Volume by Card Network $,bil

Visa

AmExpress MasterCard

Discover

Visa

$1,500

$750

$600

$200

375

2015 US Card Circulation $,mil

MasterCard 200

AmExpress Discover

60.0

55.0

Page 3

Discover $200 6%

Visa $1,500

49%

MasterCard $600 20%

AmExpress $750 25%

Visa

AmExpress

MasterCard

Discover

Discover 55.0 8%

Visa 375 54%

AmExpress 60.0 9%

MasterCard 200 29%

Visa

MasterCard

AmExpress

Discover

Prorates INC. 888.776.7285 (C) Copyright

sample USA Credit Cards +Rewards-2016.xls - Consumer Data

All Consumer Data - Credit Card + Rewards Product Detail

Survey Date: 10/16/2015

Percentage Changed 31%

New/Inactive Loan Type

Institution

Region

NEW

Amex Consumer Allegiant World

Bank of America

National

12/3/2016

Page 4

ID Num Count

407

112818

NEW!

Effective Date

Credit Score Credit Tier

Hi Lo Avg

Rate Change Low Rate

27

10.000

High Rate 25.000

10/14/2016 0

A Credit

Tsr Rate

Avg. Rate 15.000

USA Credit Cards + Rewards

Rate Tsr Period

Type

Avg. Change New

-0.112

62

Index Value

Inactive 38

Spread

Rate Rate

Change

CHGs + 12 CHGs - 15

0.000

V

3.500

9.740

13.240

NEW

Amex Consumer Allegiant World

Bank of America

National

112819

10/14/2016 0

D Credit

NEW NEW

Master Card Consumer Better Balance Rewards

Master Card Consumer Better Balance Rewards

Visa Consumer AAA Member Rewards

Visa Consumer AAA Member Rewards

Bank of America

National

107079

10/14/2016 754

Bank of America

National

107080

10/14/2016 652

Bank of America

National

112603

10/14/2016 0

Bank of America

National

112604

10/14/2016 0

A Credit D Credit A Credit D Credit

MasterCard Consumer Arrival PlusTM Barclays

National

111408

10/6/2016 684

D Credit

INACTIVE

MasterCard Consumer Barclaycard ArrivalTM

Barclays

National

111410

* Inactive Cards are not included in the Averages.

NA = Not Available

^Z >Z ZZ (displayed in "D Credit" cards). High score is to the 95th percentile (displayed in "A Credit" cards). In each case available credit scores provided by TransUnion approved for this product from April to October 2016.

10/7/2016 669

D Credit

Prorates INC. 888.776.7285 (C) Copyright

0.000

V

0.000

12

V

0.000

12

V

0.000

V

0.000

V

0.000

12

V

0.000

12

V

AVG

AVG

0.919

11

3.500

19.740

23.240

3.500

8.740

12.240

3.500

18.740

22.240

3.500

9.740

13.240

3.500

19.740

23.240

3.500

19.740 3.000

23.240

3.500

15.740

19.240

AVG 3.413

AVG 12.798

AVG -0.112

AVG 16.181

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