+++ Companies are listed alphabetically along with their bank and thrift subsidiaries, which are listed in order of credit card loans outstanding on March 31

part 1 of 3

Name of Top Parent Co.

Advanta Corp., Horsham, Pa.

American Express Co., New York

Armed Forces Benefit Services Inc., Alexandria, Va. (c)

(Armed Forces Benefit Services Inc., Alexandria, Va. (d)

AT&T Corp., New York

Automatic Data Processing, Roseland, N.J.

Beneficial Corp., Wilmington, Del.

Capital One Financial Corp., Falls Church, Va.

Dayton Hudson Corp., Minneapolis (g)

Morgan Stanley, Dean Witter, Discover & Co., New York

Dillard Department Stores Inc., Little Rock, Ark.

Federated Department Stores, Cincinnati

Fidelity Investments, Boston

Fingerhut Companies Inc., Minnetonka, Minn. (l)

First USA Inc., Dallas

General Electric Co., Stamford, Conn.

Household International Inc., Prospect Heights, Ill.

John Hancock Mutual Life Insurance Co., Boston, Ma.

Leucadia National Corp., New York (q)

Merrill Lynch & Co., New York

Providian Financial Corp., San Francisco, Ca.

Prudential Insurance Co. of America, Newark, N.J.

Sears, Roebuck and Co., Chicago

Spiegel Inc., Downers Grove, Ill. (t)

The Limited Inc., Columbus, Ohio

Travelers Group, Inc., New York

USAA, San Antonio, Tex.

Welsh, Carson, Anderson & Stowe, New York (e)

Whirlpool Corp., Benton Harbor, Mich.

part 2 of 3

Credit Card Loans on the Books ($ 000's)

Date of

Name of Bank 3/31/97 3/31/96

Advanta National Bank, Wilmington, Del. $1,377,759 $1,753,725

Advanta National Bank USA, Claymont, Del. 424,701 766,477

Advanta Financial Corp., Murray, Utah (a) N/A 31,971

American Express Centurion Bank, Midvale, Uta 10,293,929 8,685,750

American Express Deposit Corp., Midvale, Utah N/A 181,555

AFBA Industrial Bank, Colorado Springs 134,420 152,372

AT&T Universal Card Services, Jacksonville, F 6,300,000 10,000,000

Columbus Bank & Trust Co., Ga. 221,262 177,072

AT&T Universal Financial Corp., Salt Lake Cit 55,301 62,811

Universal Card Bank, Columbus, Ga. 24,997 24,997

ADP Savings Assn., Allentown, Pa. 5,500 2,915

Beneficial National Bank USA, Wilmington, Del 3,606,034 2,664,744

Beneficial National Bank, Wilmington, Del. 16,802 49,437

Beneficial Savings Bank FSB, Orlando 56,241 336

Capital One Bank, Glen Allen, Va. 3,123,541 2,594,530

Capital One FSB, Falls Church, Va. 530,595 Not in Operation

Retailers National Bank, Sioux Falls, S.D. 100,253 85,933

Greenwood Trust Co., New Castle, Del. (h) 10,558,119 6,736,843

SRC Corp., New Castle, Del. and other special 9,277,877 8,089,081

Mountainwest Financial, Sandy, Utah (a) (j) 674,142 1,500,238

Hurley State Bank, Sioux Falls, S.D. 1,455,288 1,477,035

Bank of New Castle, Del. 1,074 1,303

Dillard National Bank, Phoenix, Ariz. 1,098,183 1,076,246

FDS National Bank, Mason, Ohio (k) N/A 57,583

Fidelity Trust Co., Salt Lake City, Utah (a) 465,362 190,725

Metris Companies Inc., St. Louis Park, Minn. 291,043 138,000

First USA Bank, Wilmington, Del. 4,922,758 3,443,074

Monogram Credit Card Bank, Roswell, Ga. (o) 1,691,794 3,664,551

G.E. Capital Consumer Card Co., Mason, Ohio ( 3,148,665 2,987,181

Household Bank (Nevada) NA, Las Vegas 4,871,948 4,676,697

Household Bank, SB, NA, Las Vegas, Nev. 739,915 785,909

Household Bank, FSB, Newport Beach, Calif. (p 1,397,528 541,577

Household Bank (Illinois) NA, Wood Dale 4,606 4,988

First Signature Bank & Trust Co., Portsmouth, 4,866 5,937

American Investment Bank, Salt Lake City, Uta 17,368 7,024

Merrill Lynch National Financial, Salt Lake C 6,091 6,989

First Deposit National Bank, Tilton, N.H. 1,726,670 1,620,902

Providian National Bank, Concord, N.H. 500,149 1,000,921

Prudential Bank & Trust Co., Atlanta 602,904 357,266

Prudential Savings Bank FSB, Cartersville, Ga N/A 22,058

Sears National Bank, Phoenix, Ariz. (s) 104,878 0

First Consumers National Bank, Beaverton, Ore 132,644 113,370

World Financial Network National Bank, Whiteh 142,559 123,168

Travelers Bank USA, Newark, Del. (formerly Pr 752,301 417,295

Travelers Bank, Newark, Del. (formerly Primer 371,192 401,010

USAA Federal Savings Bank, San Antonio, Tex. 3,435,329 3,357,202

USAA Credit Card Bank, Las Vegas, Nev. 24,192 Not in Operation

World Financial Network National Bank, Whiteh 142,559 123,168

Whirlpool Financial National Bank, New Castle 87,453 76,451

part 3 of 3

Date of

Name of Bank % Chg. Acq./Start

Advanta National Bank, Wilmington, Del. -21.44% 1995

Advanta National Bank USA, Claymont, Del. -44.59% 1927

Advanta Financial Corp., Murray, Utah (a) - 1991

American Express Centurion Bank, Midvale, Uta 18.52% 1985

American Express Deposit Corp., Midvale, Utah- 1987

AFBA Industrial Bank, Colorado Springs -11.78% 1990

AT&T Universal Card Services, Jacksonville, F -37.00% 1990

Columbus Bank & Trust Co., Ga. 24.96% 1995

AT&T Universal Financial Corp., Salt Lake Cit -11.96% 1992

Universal Card Bank, Columbus, Ga. 0.00% 1995

ADP Savings Assn., Allentown, Pa. 88.68% 1995

Beneficial National Bank USA, Wilmington, Del 35.32% 1991

Beneficial National Bank, Wilmington, Del. -66.01% 1952

Beneficial Savings Bank FSB, Orlando N/A 1985

Capital One Bank, Glen Allen, Va. 20.39% 1994

Capital One FSB, Falls Church, Va. - 1996

Retailers National Bank, Sioux Falls, S.D. 16.66% 1994

Greenwood Trust Co., New Castle, Del. (h) 56.72% 1911

SRC Corp., New Castle, Del. and other special 14.70%

Mountainwest Financial, Sandy, Utah (a) (j) -55.06% 1991

Hurley State Bank, Sioux Falls, S.D. -1.47% 1986

Bank of New Castle, Del. -17.57% 1990

Dillard National Bank, Phoenix, Ariz. 2.04% 1991

FDS National Bank, Mason, Ohio (k) - 1994

Fidelity Trust Co., Salt Lake City, Utah (a) 144.00% 1990

Metris Companies Inc., St. Louis Park, Minn. 110.90% 1995

First USA Bank, Wilmington, Del. 42.98% 1985

Monogram Credit Card Bank, Roswell, Ga. (o) -53.83% 1988

G.E. Capital Consumer Card Co., Mason, Ohio ( 5.41% 1988

Household Bank (Nevada) NA, Las Vegas 4.17% 1993

Household Bank, SB, NA, Las Vegas, Nev. -5.85% 1993

Household Bank, FSB, Newport Beach, Calif. (p 158.05% 1976

Household Bank (Illinois) NA, Wood Dale -7.66% 1991

First Signature Bank & Trust Co., Portsmouth, -18.04% 1985

American Investment Bank, Salt Lake City, Uta 147.27% 1984

Merrill Lynch National Financial, Salt Lake C 273.32% 1987

First Deposit National Bank, Tilton, N.H. 6.53% 1853

Providian National Bank, Concord, N.H. -50.03% 1990

Prudential Bank & Trust Co., Atlanta 68.75% 1945

Prudential Savings Bank FSB, Cartersville, Ga- 1989

Sears National Bank, Phoenix, Ariz. (s) N/M 1994

First Consumers National Bank, Beaverton, Ore 17.00% 1988

World Financial Network National Bank, Whiteh 15.74% 1989

Travelers Bank USA, Newark, Del. (formerly Pr 80.28% 1989

Travelers Bank, Newark, Del. (formerly Primer -7.44% 1988

USAA Federal Savings Bank, San Antonio, Tex. 2.33% 1983

USAA Credit Card Bank, Las Vegas, Nev. - 1996

World Financial Network National Bank, Whiteh 15.74% 1989

Whirlpool Financial National Bank, New Castle 14.39%1994

Credit card loans on the books are all outstanding extensions of credit to individuals for household, family, and other personal expenditures arising from bank credit cards or special prearranged overdraft plans. (a) A federally insured industrial loan company. (b) Issues the Optima Card. (c) A nonprofit organization established in 1947 to provide low-cost life insurance to the military. (d) A for-profit subsidiary of the nonprofit Armed Forced Benefit Association. (e) An investment firm; it acquired a 60% interest in the bank from The Limited Inc., Columbus, Ohio, a specialty women's apparel retailer. (f) A nonbank subsidiary of AT&T, it holds the bulk of the Universal MasterCard and Visa credit card receivables. (The $6.3 billion in card loans outstanding shown for AT&T Universal Card Services include the receivables held by the three issuing banks. These banks are: (1) Universal Bank NA, Columbus, Ga., a direct subsidiary of AT&T Universal Trust, which, in turn, is a wholly-owned subsidiary of AT&T Universal Card Services. (2) Columbus Bank & Trust Co., a subsidiary of Synovus Financial Corp.; and (3) AT&T Universal Financial Corp., Salt Lake City. (g) A national diversified retailer who operates Dayton's, Hudson's, Marshall Field, Target, and Mervyn's Import. (h) Issues the Discover Card. (i) SRC Corp. is a nonbank warehouse for Greenwood Trust's receivables. The other nonbank special purpose subsidiaries handle private label securitizations. (j) Handles the operations and holds the receivables of Morgan Stanley, Dean Witter, Discover & Co.'s "Prime Option" MasterCard. (The "Prime Option" card is issued by NationsBank for Discover.) (k) Established to handle cobranded Visa cards for its parent's Bloomingdale and Lazarus subsidiaries. (l) A catalog & mail order sales company which currently owns a 83% stake in Metris Cos. Inc. (m) Issues unsecured and secured credit cards including the Fingerhut cobranded MasterCard. (n) Issues GE Rewards MasterCard which offers rebates ("reward checks") for usage. (o) Handles G.E.'s private label cards. (p) Its affinity MasterCard is issued through Household Bank, FSB, Newport Beach, Calif. This card permits consumers to accumulate credits based on usage that can be applied toward the purchase of a General Motors automobile. (q) A diversified financial services holding company principally engaged in insurance, banking, manufacturing, and the trading stamp business. (r) Offers two Visa debit cards for Merrill Lynch customers: the Cash Management Account and the Capital Builders Account. (s) Formerly known as American National Bank of Arizona; changed its title when acquired by Sears in 1994. (t) A general merchandise catalog company. (u) Announced on 9/18/97 Transamerica Corp. plans to acquire Whirlpool Financial Corp. from Whirlpool Corp. N/M = not meaningful comparison. N/A = not available. American Banker, 1997 ===

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