CREDIT CARDS

 General Information  Table  Bolding/Do Not Bold  In-Table Disclosures  Below Table Disclosures APPLICATIONS AND SOLICITATIONS

 Direct Mail and Electronic ( )  Telephone  Applications Made Available to the Public  Electronic (Website) DISCLOSURE METHODS

 Formatting Requirements  Due Date  Late Payment Costs  Repayment Disclosures PERIODIC STATEMENTS

 Rate increase reasons  Right to Reject  Minimum Payment Requirements CHANGE IN TERMS

 Renewals  Change in Card Insurance Provider  Payments  Unsolicited Issuance  Unauthorized Transactions  Debt Setoff MISCELLANEOUS REQUIREMENTS

 General  Policies and Procedures  Establishing Minimum Periodic Payments  Young Consumers ABILITY TO PAY

 General Requirements  Exceptions  Penalty Fees  Prohibited Fees FEE LIMITATIONS

 General Rules  Deferred Interest  Consumer Request  Accounts with Secured Balances ALLOCATION OF PAYMENTS

 Finance Charges  Increasing Rates, Fees and Charges  General Prohibition  Exceptions  Temporary Rate Exception  Variable Rate Exceptions  Advance Notice Exception  Delinquency Exception  Workout and Temporary Hardship Exception  SCRA Exception  Protected Balances LIMITATIONS

 Definition  Rules  Opt-in  Right to Revoke  Fees OVER-THE-LIMIT TRANSACTIONS

 Coverage  Public Disclosure of Agreements  Prohibited Inducements  Annual Reports MARKETING TO COLLEGE STUDENTS

 Submission to the Federal Reserve  Posting of Agreements Offered to the Public INTERNET POSTING OF CARD AGREEMENTS

 General Rules  Rate Reductions  Policies and Procedures  Timing  Required Evaluation  Increases Due to Delinquency or Default  Termination of Obligation to Review  Acquired Accounts  Exceptions REEVALUATION OF RATE INCREASES