companies to be acceptable comparables to Credit One: Capital One (NYSE: COF) Synchrony Financial (NYSE: SYF) Alliance Data Systems (NYSE: ADS) Discover Financial (NYSE: DFS) American Express (NYSE: AXP) EFTA01399439 On a quarterly basis, Lending will review Credit One against the median P/E multiple of th

e 10 East," Toronto, Ontario, Canada, November 7-8, 2002 3M Company, St. Paul, MN, November 11-12, 2002 Raytheon, Bedford, MA, December 3-4, 2002 Discover Financial, Chicago, IL, February 10-11, 2003 Federated Department Stores (Federated Marketing Group), New York, NY, March 25-26, 2003 Tribune Company, Chica