Lightspeed Research PowerPoint Template

All major issuers have been sending out multiple Terms Changes.AmericanExpressBank ofAmericaCapital One Chase Citi Discover HSBC US Bank Wells FargoSeptember2009•Pricing•PenaltyFees• Pricing• Rewardsprogram• RewardsProgram• Pricing• Pricing• Annual Fee• Rewardsprogram• Pricing• PaymentTerms• Penalty fees• TransactionFees• PricingOctober2009• RewardsProgram•RewardsProgram• Pricing• RewardsProgram• Pricing• PaymentTerms• Penalty fees• TransactionFees• RewardsProgram• Pricing• PaymentTerms• PenaltyFees• Transactionfees• Pricing• PenaltyFeesNovember2009•Pricing•PaymentTerms•PenaltyFees•RewardsProgram• Annual Fee• PaymentTerms• Pricing• Pricing• PaymentTerms• TransactionFees• Penalty fees• Pricing• Transactionfees• Annual Fee• Pricing• PaymentTerms• PenaltyFees• Transactionfees• Annual Fee•Pricing• Pricing• PenaltyFeesDecember2009•Pricing•PaymentTerms•PenaltyFees•RewardsProgram• RewardsProgram• Pricing• Rewardsprogram• Pricing• Transactionfee• Pricing• Pricing• PenaltyFeesJanuary2010• Pricing• Annual fees• Paymentterms• PenaltyFees• Pricing• PenaltyFees• Pricing• PaymentTerms• PenaltyFees• TransactionFees• Pricing• PenaltyFees• TransactionFees• Pricing• Pricing• PaymentTermsFebruary2010•Pricing• Pricing• PaymentTerms• PenaltyFees• Pricing• PaymentTerms• PenaltyFees• Pricing• Annual Fees• PaymentTerms• PenaltyFees• Pricing• PaymentTerms** Months shown reflect month Lightspeed collected and reported receipt of changes in terms sent by issuers.Copyright © 2010 Lightspeed Research. Proprietary and Confidential. All rights reserved. 18