There is an exemption in Reg O for credit cards up to $15,000. 215.3(b)(5) If we have an Insider who has a $10,000 credit card, and a $25,000 card, would the total Reg O indebtedness be $20,000? Can we exclude the entire $15,000 or does the $15,000 need to be on one card and we could only exclude the one for $10,000?