Bankrate.com Bankrate.com, an online publication of Intelligent Life, Inc., provides online consumers with financial data, research and editorial information on non-investment financial products. Bankrate.com brings to this task more than 20 years of journalistic experience and carefully developed procedures for collecting rate information. This objective information on mortgages, credit cards, new and used auto loans, money market accounts and CDs, checking and ATM fees, home equity lines and loans and online banking fees is gathered from more than 2,500 financial institutions in 120 markets in 50 states and Puerto Rico. Bankrate.com also surveys rates at the nation's largest credit unions. bankrate.com founded in April 1995 Since April 1995, consumers have been able to access Bankrate.com's extensive database via the World Wide Web. That data has been collected since 1982 under the auspices of Bank Rate Monitor, a banking newsletter. Overnight averages are posted on key products. And users can check the averages in their state against those nationwide. Online articles analyzing product rates and industry news equip consumers with the knowledge they need to make informed financial decisions. Both news stories and basic how-to information is provided. The information is distributed via bankrate.com and its more than 60 online partnerships. Included in a separate channel are products targeted for small business. Bankrate.com also provides the Safe & Sound rating system, a proprietary, analytical product that assesses the financial condition of banks and thrifts. The site offers a collection of calculators to give users a way to make their own assessments. Two other popular features are the weekly review of bank web sites and the list of special deals for Internet banking customers. Editorial objectivity defines everything we do A cornerstone of all Bank Rate Monitor research and editorial products is staunch objectivity. "What makes bankrate.com different than competitors is the fact that it has built an editorial database," said Karen Christie, director of research. "We do not allow special offers to be part of the data we collect. We have a stringent set of criteria for each one of the products that we gather data on, so that the information we gather is purely comparable." In addition, Bank Rate Monitor's research staff conducts detailed national surveys of fees and charges on passbooks and statement savings accounts, introductory rates on credit cards, secured credit cards and credit cards with an air mile bonus. No other single source offers consumers such detailed data across a broad spectrum of financial products. "There is no other competitor that does what we do particularly in the number of products that we gather," Christie said. Because bankrate.com data is updated on a weekly basis, consumers can be assured of both the accuracy and timeliness of the information.

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