SURVEY DATE:   16-Jul-10      ProRates Sample - Loans CA  -  Credit Cards                      
  (default Rate) Min Min  
Rate ID EFFECTIVE Tsr Tsr Rate Index CashAdv Rate Pmt Pmt Grace Late Annual Overlimit
CHG Num DATE    INSTITUTION LOANTYPE Rate Period type Value Spread Rate Rate CAP % $ MIN $ MAX$ Prd Charge Fee Fee
                                         
                       
######  Golden 1 FCU - Loans
 Count  Low Rate  High Rate  Avg. Rate  Avg. Change  Inactive  Rate Changes  New
59 7.990 22.990 13.600 0.000 0 0 0
103004 7/16/2010 Bank of America Master Card Platinum Plus WorldPoints Rewards and PayPass 0.000 10 V 3.250 9.740 12.990 24.240 24.2 1.5 $25 $500 $15,000 20 $39 None $0 CA
103005 7/16/2010 Bank of America Master Card Platinum Plus WorldPoints Rewards and PayPass 0.000 10 V 3.250 17.740 20.990 24.240 24.2 1.5 $25 $500 $15,000 20 $39 None $0 CA
96055 7/16/2010 Bank of America Visa Basic Basic Visa Card V 3.250 14.000 17.250 17.250 24.2 1.5 $25 $500 $15,000 20 $39 None $0 CA
103640 7/16/2010 Bank of America Visa Platinum Plus BankAmericard Visa 0.000 10 V 3.250 7.740 10.990 24.240 24.2 1.5 $25 $500 $15,000 20 $39 None $0 CA
103641 7/16/2010 Bank of America Visa Platinum Plus BankAmericard Visa 0.000 10 V 3.250 16.740 19.990 24.240 24.2 1.5 $25 $500 $15,000 20 $39 None $0 CA
 
103132 10/1/2009 Capital One Master Card Miles Rewards 0.000 11 V 3.250 10.650 13.900 24.900 29.4 $500 $15,000 $39 None $0 CA
103131 10/1/2009 Capital One Master Card Platinum 0.000 11 V 3.250 11.650 14.900 24.900 29.4 $500 $15,000 $39 None $39 CA
103130 1/1/2010 Capital One Master Card Platinum Prestige 0.000 13 V 3.250 8.650 11.900 24.900 29.4 $500 $15,000 $39 None $29 CA
 
103096 7/16/2010 Chase Visa Chase Freedom 0.000 6 V 3.250 9.740 12.990 19.240 30.0 $500 $15,000 $39 None $39 CA
103097 7/16/2010 Chase Visa Elite and Premium 0.000 6 V 3.250 5.990 9.240 19.240 27.2 $5,000 $50,000 $39 None $39 CA
103789 7/16/2010 Chase Visa Saphire Rewards V 3.250 8.990 12.240 19.240 30.0 $5,000 $50,000 $39 None $39 CA
 
103129 7/16/2010 Citibank Master Card Diamond Preferred Rewards 0.000 12 V 3.250 6.240 9.490 25.240 30.0 $500 $15,000 $39 None $39 CA
103321 7/16/2010 Citibank Master Card Diamond Preferred Rewards 0.000 12 V 3.250 10.240 13.490 25.240 30.0 $500 $15,000 $39 None $39 CA
103322 7/16/2010 Citibank Master Card Diamond Preferred Rewards 0.000 12 V 3.250 14.240 17.490 25.240 30.0 $500 $15,000 $39 None $39 CA
103319 7/16/2010 Citibank Master Card Platinum Select 0.000 7 V 3.250 12.740 15.990 25.240 30.0 $500 $15,000 $39 None $39 CA
103320 7/16/2010 Citibank Master Card Platinum Select 0.000 7 V 3.250 16.740 19.990 25.240 30.0 $500 $15,000 $39 None $39 CA
103128 7/16/2010 Citibank Master Card Platinum Select 0.000 7 V 3.250 8.740 11.990 25.240 30.0 $500 $15,000 $39 None $39 CA
 
103098 7/16/2010 FresnoCo Visa Platinum Platinum VISA F NA 8.900 8.900 8.9 $500 $25,000 $30 None $20 CA
103099 7/16/2010 FresnoCo Visa Platinum Rewards Platinum REWARDS F NA 9.900 9.900 9.9 $500 $25,000 $30 None $20 CA
 
103100 12/1/2009 Golden 1 Visa Classic  F NA 11.900 11.900 22.9 $2,000 $5,000 $15 None $0 CA
103101 12/1/2009 Golden 1 Visa Gold  F NA 10.900 10.900 22.9 $5,000 $15,000 $15 None $0 CA
103102 12/1/2009 Golden 1 Visa Platinum Rewards  F NA 9.900 9.900 22.9 $15,000 $30,000 $15 None $0 CA
 
103105 7/1/2010 Heritage Visa Business ELAN 0.000 6 V 3.250 6.740 9.990 9.990 18.0 $300 $25,000 $35 None $39 CA
103104 7/1/2010 Heritage Visa Platinum Business Rewards ELAN 0.000 6 V 3.250 6.740 9.990 9.990 18.0 $300 $25,000 $35 None $39 CA
103103 7/1/2010 Heritage Visa Platinum ELAN 0.000 6 V 3.250 6.740 9.990 9.990 18.0 $300 $25,000 $39 None $39 CA
 
96157 7/16/2010 Key Bank MasterCard Platinum A Credit 0.000 6 V 3.250 6.740 9.990 23.990 30.0 3.0 $5 $500 $50,000 30 $39 None $39 CA
105038 7/16/2010 Key Bank MasterCard Platinum D Credit 0.000 6 V 3.250 17.740 20.990 23.990 30.0 3.0 $5 $500 $50,000 30 $39 None $39 CA
103044 7/16/2010 Key Bank MasterCard Platinum Rewards Acr 0.000 6 V 3.250 6.740 9.990 23.990 29.0 $5 $500 $50,000 30 $39 None $39 CA
105039 6/11/2010 Key Bank MasterCard Platinum Rewards DCR 0.000 6 V 3.250 17.740 20.990 23.990 29.0 $5 $500 $50,000 30 $39 None $39 CA
 
103108 7/16/2010 Patelco MasterCard Gold Rewards Classic V 3.250 4.900 8.150 8.150 8.2 $300 $25,000 $15 None $0 CA
103107 7/16/2010 Patelco Visa Classic  F NA 13.150 13.150 13.2 $300 $5,000 $15 None $0 CA
103106 7/16/2010 Patelco Visa Gold  F NA 9.150 9.150 9.2 $5,000 $25,000 $15 None $0 CA
 
103121 7/16/2010 RiverCty Visa Business  2.900 6 V 3.250 9.650 12.900 12.900 21.0 $500 $15,000 $29 None $29 CA
103115 7/16/2010 RiverCty Visa Gold Rewards Low Rate 2.900 6 V 3.250 6.650 9.900 9.900 21.0 $500 $15,000 $29 None $29 CA
103114 7/16/2010 RiverCty Visa Gold Rewards Preferred Points 2.900 6 V 3.250 10.650 13.900 13.900 21.0 $500 $15,000 $29 None $29 CA
 
103120 7/16/2010 Sac CU Visa Classic RewardsPLUS Platinum Variable V 3.250 6.650 9.900 9.900 14.9 $5,000 $25,000 $75 None $22 CA
105036 7/16/2010 Sac CU Visa Classic RewardsPLUS Platinum Variable V 3.250 14.650 17.900 17.900 22.9 $5,000 $25,000 $75 None $22 CA
105037 7/16/2010 Sac CU Visa Classic Std Platinum Visa V 3.250 13.650 16.900 16.900 21.9 $5,000 $25,000 $75 None $22 CA
103324 7/16/2010 Sac CU Visa Classic Std Platinum Visa V 3.250 4.750 8.000 8.000 13.0 $5,000 $25,000 $75 None $22 CA
 
103118 6/30/2010 SAFE CU Visa Business A credit V 3.250 8.650 11.900 11.900 23.9 $500 $20,000 $15 None $10 CA
103124 6/30/2010 SAFE CU Visa Business D credit V 3.250 16.650 19.900 19.900 23.9 $500 $20,000 $15 None $10 CA
103498 6/30/2010 SAFE CU Visa Partner for Change V 3.250 7.650 10.900 10.900 23.9 $500 $20,000 $15 None $10 CA
103499 6/30/2010 SAFE CU Visa Partner for Change V 3.250 15.650 18.900 18.900 23.9 $500 $20,000 $15 None $10 CA
103116 6/30/2010 SAFE CU Visa Platinum A credit 3.900 6 V 3.250 6.650 9.900 9.900 23.9 $500 $20,000 $15 None $10 CA
103122 6/30/2010 SAFE CU Visa Platinum D credit 3.900 6 V 3.250 14.650 17.900 17.900 23.9 $500 $20,000 $15 None $10 CA
103117 6/30/2010 SAFE CU Visa Platinum Rewards A credit 3.900 6 V 3.250 7.650 10.900 10.900 23.9 $500 $20,000 $15 None $10 CA
103123 6/30/2010 SAFE CU Visa Platinum Rewards D credit 3.900 6 V 3.250 15.650 18.900 18.900 23.9 $500 $20,000 $15 None $10 CA
 
103109 6/19/2010 Schools CU Visa Platinum  F NA 7.990 7.990 8.0 $5,000 $25,000 $15 None $0 CA
103110 6/19/2010 Schools CU Visa Platinum Rebate  F NA 12.900 12.900 12.9 $5,000 $25,000 $15 None $0 CA
 
103112 7/16/2010 TravisCU Master Card Gold  F 0.000 NA 16.990 16.990 17.0 $5,000 $15,000 $15 None $15 CA
103111 7/16/2010 TravisCU Visa Platinum Rewards  F 0.000 NA 10.990 10.990 11.0 $5,000 $15,000 $15 $25 $15 CA
 
103092 7/16/2010 US Bank Visa FlexPerks Travel Rewards V 3.250 8.740 11.990 23.990 29.0 $500 $15,000 $39 $49 CA
103093 7/16/2010 US Bank Visa FlexPerks Travel Rewards V 3.250 19.740 22.990 23.990 29.0 $500 $15,000 $39 $49 CA
103091 7/16/2010 US Bank Visa Visa Platinum Card 0.000 6 V 3.250 19.740 22.990 23.990 29.0 $500 $15,000 $39 $40 CA
103090 7/16/2010 US Bank Visa Visa Platinum Card 0.000 6 V 3.250 8.740 11.990 23.990 29.0 $500 $15,000 $39 $40 CA
103094 7/16/2010 US Bank Visa Young Adult Visa Card V 3.250 8.740 11.990 23.990 29.0 $500 $5,000 $39 $20 CA
103095 7/16/2010 US Bank Visa Young Adult Visa Card V 3.250 17.740 20.990 23.990 29.0 $500 $5,000 $39 $20 CA
 
103125 7/16/2010 WellsFargo Visa Platinum  0.000 6 V 3.250 6.900 10.150 21.490 27.2 $500 $15,000 $39 None $0 CA
103126 7/16/2010 WellsFargo Visa Platinum Wells Fargo Cash Back 0.000 6 V 3.250 8.900 12.150 21.490 27.2 $500 $15,000 $39 None $0 CA