The State Treasurer is hereby authorized to participate in a financial institution credit card program for the benefit of the state. Within 180 days of April 19, 1990, the Treasurer shall contact as many financial institutions as, in the Treasurer's discretion is necessary, to determine if:
(1) The financial institution or its holding company or affiliate currently administers a credit card program;
(2) The credit card program provides a fee or commission on retail sales to the sponsoring entity for the issuance and use of the credit card; and
(3) The credit card program would accept the state as a sponsoring entity.
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