Collins is now only $220 plus $5 for S & H. I will cover the remaining S & H and will insure the card. First buyer couldn't get the money. It has corner wear and two light creases at top left corner. Also, there is a small tear in the left border. I assume it is a tear, but I didn't want to pull it apart to see if it was a crease or a tear. But, I think it's a tear. the Chase card and the Willis card are sold.