+++

As of March 31, 1998

Card Percent

Rank Noncur.

6 Household International, Prospect Hts., 9.38%

4 Morgan Stanley Dean Witter Discover & Co 5.15

20 First Union Corp., Charlotte, NC 4.9

36 Dillard Department Stores, Inc., Little 4.46

22 Beneficial Corp., Wilmington, Del. 3.56

Highest Percentage Net Charge-offs

Core Card Loans for the 1st quarter ending 3/31/98

Card Percent

Rank NCO

6 Household International, Prospect Hts., 3.27%

4 Morgan Stanley Dean Witter Discover & Co 3.27

50 Union Planters Corp., Memphis 2.99

27 National City Corp., Cleveland 2.26

22 Beneficial Corp., Wilmington, Del. 3.81

Highest Percentage Net Charge-offs

Core Card Loans for the 12 month period 4/1/97 - 3/31/98

Card Percent

Rank NCO

34 CoreStates Financial Corp., Philadelphia 11.68%

31 Mellon Bank Corp., Pittsburgh 11.06

39 Prudential Insurance Co. of America, New 11.01

19 Chevy Chase Bank, FSB, Md. 8.89

50 Union Planters Corp., Memphis 8.67

Highest Percentage Net Charge-offs

Managed card loans for the 12 month period 4/1/97 - 3/31/98

(For institutions which manage card asset-backed securities only)

Card Percent

Rank NCO

24 Metris Companies Inc., Minneapolis 8.80%

31 Mellon Bank Corp., Pittsburgh 8.32

19 Chevy Chase Bank, FSB, Md. 7.83

4 Morgan Stanley Dean Witter Discover & Co 7.5

7 First Chicago NBD Corp. 6.99

Lowest Percentage Noncurrent Card Loans

As of March 31, 1998

Card Percent

Rank Noncur.

27 National City Corp., Cleveland 0.58%

21 USAA, San Antonio, Tx. 0.65

46 BB&T Corporation, Winston-Salem, NC 0.72

31 Mellon Bank Corp., Pittsburgh 0.74

17 U.S. Bancorp, Minneapolis 0.74

Highest Percentage Net Charge-offs

Managed card loans for the 12 month period 4/1/97 - 3/31/98

(For institutions which manage card asset-backed securities only)

Card Percent

Rank NCO

24 Metris Companies Inc., Minneapolis 8.80%

31 Mellon Bank Corp., Pittsburgh 8.32

19 Chevy Chase Bank, FSB, Md. 7.83

4 Morgan Stanley Dean Witter Discover & Co 7.5

7 First Chicago NBD Corp. 6.99

Lowest Percentage Noncurrent Card Loans

As of March 31, 1998

Card Percent

Rank Noncur.

27 National City Corp., Cleveland 0.58%

21 USAA, San Antonio, Tx. 0.65

46 BB&T Corporation, Winston-Salem, NC 0.72

31 Mellon Bank Corp., Pittsburgh 0.74

17 U.S. Bancorp, Minneapolis 0.74

Lowest Percentage Net Charge-offs

Core Card Loans for the 1st quarter ending 3/31/98

Card Percent

Rank NCO

40 The Limited, Inc., Columbus, Ohio -0.29%

14 Associates First Capital Corp., Irving, 0.1

32 Travelers Group Inc., New York 0.49

21 USAA, San Antonio, Tx. 0.53

2 MBNA Corp., Wilmington, Del. 0.75

Lowest Percentage Net Charge-offs

Core Card Loans for the 12 month period 4/1/97 - 3/31/98

Card Percent

Rank NCO

40 The Limited, Inc., Columbus, Ohio 1.00%

21 USAA, San Antonio, Tx. 2.03

14 Associates First Capital Corp., Irving, 2.38

32 Travelers Group Inc., New York 2.46

2 MBNA Corp., Wilmington, Del. 2.47

Lowest Percentage Net Charge-offs

Managed card loans for the 12 month period 4/1/97 - 3/31/98

(For institutions which manage card asset-backed securities only)

Card Percent

Rank NCO

27 National City Corp., Cleveland 2.14%

32 Travelers Group Inc., New York 2.44

15 Wachovia Corp., Winston-Salem, NC 4.17

2 MBNA Corp., Wilmington, Del. 4.19

17 U.S. Bancorp, Minneapolis 4.58

Fastest Growth in Managed Loans

Percent

Card Growth

Rank 4/97-3/98

32 Travelers Group Inc., New York 57.60%

24 Metris Companies Inc., Minneapolis 40.9

21 USAA, San Antonio, Tx. 27.8

2 MBNA Corp., Wilmington, Del. 23.5

8 American Express Co., New York 19.3

Leaders in Credit Card Asset-Backed Securities

(Dollars in millions)

Credit Card

Asset-backed

sec. Managed

3/31/98

MBNA Corp., Wilmington, Del. $39,118

Banc One Corp., Columbus, Ohio 30,110

Citicorp, New York 27,600

Chase Manhattan Corp., New York 18,123

Morgan Stanley Dean Witter Discover & Co., NY 14,965

Most Improved Net Charge-off % ratio change

Managed card loans for the 12 month periods 4/97 - 3/98 and 4/96 - 3/97

(As measured by the change in percent of managed portfolio net charge- offs)

Card Percent

Rank change

40 The Limited, Inc., Columbus, Ohio -0.65%

36 Dillard Department Stores, Inc., Little -0.59

27 National City Corp., Cleveland -0.47

44 Firstar Corp., Milwaukee -0.33

31 Travelers Group Inc., New York -0.2

Most Impaired Net Charge-off % ratio change

Managed card loans for the 12 month periods 4/97 - 3/98 and 4/96 - 3/97(As measured by the change in percent of managed portfolio net charge- offs) Rank Percent Card change 34 CoreStates Financial Corp., Philadelphia 6.64% 38 BankBoston Corp. 4.45 39 Prudential Insurance Co. of America, Newark, NJ 3.66 31 Mellon Bank Corp., Pittsburgh 3.64 50 Union Planters Corp., Memphis 3.60 ===

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