Consumer Cards

[61] Orchard Bank® Visa® Cards
More Info	- Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit - Acceptance at millions of locations including website purchases and reservations - Your account information is updated and at your fingertips 24/7 so you can manage it your way - Email and text messages are available to remind you of your upcoming payment due date
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) N/A* N/A* 14.99%-24.99%, or 7.99% (Variable) * $59.00* N/A* Bad Credit OK*

[62] Orchard Bank® Classic MasterCard®
More Info	- An excellent credit card for help rebuilding credit reports to 3 major credit bureaus monthly! - Acceptance at millions of locations worldwide, including website purchases and reservations - Your account information is updated and at your fingertips 24/7 so you can manage it your way - Email and text messages are available to remind you of your upcoming payment due date
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) N/A* N/A* 14.99%-24.99%, or 7.99% (Variable) * $59.00* N/A* Bad Credit OK*

[63] Open Sky Secured Visa® Credit Card
Terms |  More Info	- No Credit Check - Rebuild credit or establish credit with automatic reporting to all major credit bureaus - Low variable APR - Online Application process
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) N/A* N/A* Prime + 11.00% (Variable) * $50.00* 25 days* Bad Credit OK*

[64] Onyx The New Black Visa Credit Card
More Info	- Full privilege *guaranteed approval secured Visa® credit card - Get 2 free Airline Tickets with resort stay thought the US and Mexico. Plus get free Long Distance service. - Get free Ipod after your third month of membership - Enrollment in a Discount Savings program membership - Reports to all credit bureaus (TransUnion, Experian, Equifax)
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) N/A* N/A* 19.50%* $59.00* 0 days* Bad Credit OK*

[65] OmniCard Prepaid MasterCard®
More Info	- No Credit Check or bank account required - Create your own card from a photograph - No Overdraft Fees - Shop on-line - Track your spending for improved financial management - Pay your bills online - Get cash from millions of ATMs worldwide - Pay your bills including cable, cell phone & other bills
Opening Min App Fee ATM Fee Other Fees Credit Reporting Credit Needed ( ?) $10.00 N/A* N/A View No Bad Credit OK* ATM Decline ATM Withdrawal - US ATM balance inquiry ATM withdrawal - Intl. Card Issue Fee Card to Card Transfer Cash Advance over the counter Consumer Value Load Employer Value Loads $0.40 $1.95 $1.00 $2.50 $2.95 $1.00 $4.00 FREE FREE Express shipment of card Foreign Exchange Fee IVR and Live Operator Calls Lost/Stolen card replacement MasterCard Signature Transactions Monthly Maintenance Fee PIN Transactions Statement printed and mailed $29.95 2% FREE $4.95 FREE $2.95 FREE $10.00

[66] Obopay Family Prepaid MasterCard®
More Info	- Parent-controlled, reloadable payment card designed to help parents provide spending money for teens over 13 years old. - Parental controls included: 24/7 access to your teen's balance and transaction history. - Great way to teach your teens financial responsibility and allowances. - No bank account required. No credit checks. No interest charge. - 100% Approved MasterCard. No overdraft fees. Free Sign up. - Free unlimited purchase transaction anywhere MasterCard is accepted including online merchants. - No long term commitments. You can cancel at anytime.
Opening Min App Fee ATM Fee Other Fees Credit Reporting Credit Needed ( ?) $5.00 $9.95* $1.95 View No Accepts All* ATM Balance Inquiry Fee ATM Decline Fee (International) ATM Decline Fee (domestic) ATM Transaction Fee (International) ATM Transaction Fee Card Account Liquidation Fee Currency Conversion Fee Expedited Card Delivery and Shipment Fee $0.95 $1.95 $0.95 $2.95 $1.95 $15.95 2.95% $ 30.00 Get money ;; Free Lost/Stolen Card Replacement Fee Monthly Maintenance Fee** Over the counter cash at bank fee Paper Statement Fee Send money Sign up for Obopay $10.00 $1.95 $1.95 $4.95 $0.25 Free

[67] nFinanSe Visa® Reloadable Prepaid Debit Card
More Info	- FREE Card – no shipping or application fees - FREE $5.00 added to card with first value load of $50 or more - FREE employer direct deposit - FREE PIN and signature transactions - FREE 24/7 bilingual customer service - FREE bank-to-card transfer - FREE purchase and balance notifications sent to cell phone or email address after each use - Low monthly and reload fees of only $2.95 - Get cash at participating ATMs - Add money at over 80,000 nationwide locations - Use at millions of merchant locations nationwide, including online
Opening Min App Fee ATM Fee Other Fees Credit Reporting Credit Needed ( ?) $10.00 $0.00* N/A View No Bad Credit OK* Application fees Balance notifications (cell, email) Bank-to-card transfer Customer service Employer direct deposit FREE FREE FREE FREE FREE Monthly maintenance fee PIN and signature transactions fee Purchase fee (cell, email) Reload fees Shipping fee $2.95 FREE FREE $2.95 FREE

[68] nFinanSe Discover® Network Reloadable Prepaid Card
More Info	- FREE Card – no shipping or application fees - FREE $5.00 added to card with first value load of $50 or more - FREE employer direct deposit - FREE PIN and signature transactions, bank-to-card transfer - FREE 24/7 bilingual customer service - FREE purchase and balance notifications sent to cell phone or email address after each use - Low monthly and reload fees of only $2.95 - Get cash at participating ATMs - Add money at over 80,000 nationwide locations - Use at millions of merchant locations nationwide, including online
Opening Min App Fee ATM Fee Other Fees Credit Reporting Credit Needed ( ?) $10.00 $0.00* N/A View No Bad Credit OK* Application fees Balance notifications (cell, email) Bank-to-card transfer Customer service Employer direct deposit FREE FREE FREE FREE FREE Monthly maintenance fee PIN and signature transactions fee Purchase fee (cell, email) Reload fees Shipping fee $2.95 FREE FREE $2.95 FREE

[69] Next Millennium Black MasterCard®
More Info	- When you need credit, Next Millennium is here. Apply Now! - No credit check* - Approved regardless of credit history - Secured credit limit of up to $5000.00 - Get cash at over 740,000 ATMs - Accepted wherever Master Card is accepted
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) N/A* N/A* 19.50%* $59.00* N/A* Bad Credit OK*

[70] NetSpend® Visa® Prepaid Debit Card
More Info	- 100% Approval - No credit check required* - Free Direct Deposit - Get paid up to 2 days faster** - Free Online Cardholder-to-Cardholder Transfers - Optional Savings Account with a 5.00% APY**
Opening Min App Fee ATM Fee Other Fees Credit Reporting Credit Needed ( ?) $10.00 N/A* $2.50 View No Bad Credit OK* ATM Decline Fee Account-to-Account Transfer (Internet) Account-to-Account Transfer (Via Phone) Card Fulfillment (Shipping & Handling) Check or Additional Statement Mailing Fee $1.00 FREE $1.00 $9.95 $5.95 Monthly Service Fee Non-Monetary Transactions (Via Internet) PIN Purchase Convenience Fee Signature Purchase Convenience Fee $9.95 FREE FREE FREE

[71] NetSpend® MasterCard® Prepaid Debit Card
More Info	- 100% Approval - No credit check required* - Free Direct Deposit - Get paid up to 2 days faster - Free Online Cardholder-to-Cardholder Transfers - Optional Savings Account with a 5.00% APY
Opening Min App Fee ATM Fee Other Fees Credit Reporting Credit Needed ( ?) $10.00 N/A* $2.50 View No Bad Credit OK* ATM Decline Fee Account-to-Account Transfer (Internet) Account-to-Account Transfer (Via Phone) Card Fulfillment (Shipping & Handling) Check or Additional Statement Mailing Fee $1.00 FREE $1.00 $9.95 $5.95 Monthly Service Fee Non-Monetary Transactions (Via Internet) PIN Purchase Convenience Fee Signature Purchase Convenience Fee $9.95 FREE FREE FREE

[72] Nationwide Platinum Shopping Card
More Info	- Guaranteed approval - No Credit Check - $7500 Unsecured Nationwide Platinum Shopping Card used exclusively for all kinds of merchandise at the USA Credit Shopping Club - Credit line increase available - 0% APR fixed forever - Sign up today and receive USA Live Well Plan
Opening Min App Fee ATM Fee Other Fees Credit Reporting Credit Needed ( ?) N/A N/A* N/A View No Bad Credit OK* Fee for Exceeding the Credit Limit Fee for Returned Checks Fees for Paying Late N/A $30.00 $10.00 Inactivity Fee Minimum Monthly Payment Returned ACH Debits and Credit Cards $19.95 $25.00 $30.00

[73] MTV® Visa® Card From Capital One®
Terms |  More Info	- Earn 5 points per $1 spent on entertainment like music, movies, video game rentals, and sporting events - Earn 2 points per $1 spent at restaurants, fast food places, and coffee shops - 1 point per $1 spent on everything else - 25 bonus points each billing period you keep your account in good standing by paying on time - Exclusive MTV rewards, such as MTV merchandise, tickets to MTV events like the VMAs, and MTV show tapings - Also, redeem for travel, merchandise, gift cards and more - No limit on the points you can earn and points don't expire - 0% intro APR—pay no interest on purchases until June 2013 - No annual fee
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) 0%* on purchases until June 2013* 13.9% - 19.90% (Variable) * $0.00* 25 days* Excellent*

[74] mPower™ Visa® Prepaid Card
Terms |  More Info	- Fast, easy application – No Credit Checks - $10 Cash Bonus, Activation & Monthly Fees refunded when you use Free Direct Deposit - Quick and Safe Access to your Money - Easy Online Bill Pay - No Minimum Balance
Opening Min App Fee ATM Fee Other Fees Credit Reporting Credit Needed ( ?) $10.00 N/A* $2.00 View Yes Bad Credit OK* ATM Balance Inquiry ATM Balance Inquiry Intl. ATM Withdrawal ATM Withdrawal ATM Withdrawal Decline ATM Withdrawal Decline Intl. ATM Withdrawal Intl. ATM Withdrawal Intl. Account Maintenance (Direct Deposit) Account Maintenance fee Activation Fee (Direct Deposit) Activation Fee Bank Account Registration Bill Payment Electronic Bill Payment Paper Check Card Reissue Fee Card to Bank Transfer Card to Card Transfer $0.75 $0.75 $0.75 $2.00 $0.75 $0.75 $0.75 $3.00 NONE $6.95 NONE $9.95 $2.50 $1.00 $2.50 $10.00 $2.50 FREE Customer Service (per Call) Direct Deposit Email Alerts Expedited Card Issue Check Online Purchases Over the Counter Cash Withdrawal POS Balance Inquiry POS Balance Inquiry Intl. POS Cash Advance POS PIN Purchases Paper Statement Fee Quasi Cash Fee Reload Using a Reload Network Signature Purchases Supplementary Card Text Message Alerts $2.95 FREE FREE $30.00 $15.00 FREE $4.00 $0.75 $0.75 $1.00 $1.00 $5.00 $1.00 FREE FREE $10.00 FREE

[75] Modern Cash™ Prepaid MasterCard®
More Info	- $10 credit each month that you Direct Deposit at least $2,000 to your card - Optional Overdraft Protection Product - Free Unlimited US Purchase Transactions - Free Direct Deposit - paycheck, benefits, tax refunds
Opening Min App Fee ATM Fee Other Fees Credit Reporting Credit Needed ( ?) $10.00 $0.00* $2.50 View No Bad Credit OK* ACH Debit ATM Balance Inquiry ATM Declines ATM Withdrawal Account Closure with Check Account to Account Additional/Replacement Card Bank Cash Advance Card/Account Reactivation Fee Customer Service Insufficient Funds-NSF FREE $0.50 $0.50 $2.50 $15.95 FREE $9.95 $4.95 $19.95 FREE $14.95 Intl. ATM Withdrawal Intl. Purchases fee Monthly Maintenance Monthly Statements Overdraft Service Fee (Opt-in) Purchase (PIN) Purchase Declines Purchases (Signature) SMS Transaction Updates Special Research Fee (per hour) $4.95 $2.00 $9.95 FREE $9.95 FREE FREE FREE FREE $25.00

[76] MiCash® Prepaid MasterCard®
More Info	- No Credit Check or Security Deposit Needed for Approval - No Overdraft Fees, No Minimum Balance, No Late Fees - 100% Approval* - Earn a $20 Rebate When You Set Up Direct Deposit
Opening Min App Fee ATM Fee Other Fees Credit Reporting Credit Needed ( ?) $10.00 N/A* $1.75 View No Poor* ATM Balance Inquiry ATM Withdrawal Denial Automated CS Calls Bank Teller Withdrawal Card Activation Card Statement (Optional) Card-to-Card Sharing Companion Card Direct Deposit Domestic ATM Withdrawal Domestic Bank Account El. Transfer $1.00 $0.60 FREE $4.00 $9.95 $1.50 $2.00 FREE FREE $1.75 $2.00 Inactivity Fee (After 60 Days) International ATM Withdrawal Live Operator Customer Support Monthly Account Maintenance Online Card Account Management Optional Store Purchase Plan Purchase POS Decline Replacement Card (Lost/Stolen) Store Purchases (POS) Domestic Store Purchases (POS) Int'l Wireless Alerts $2.00 $3.00 $1.00 $4.00 FREE $7.95 $0.60 $10.00 $0.50 $0.50 FREE

[77] Merit Platinum Card
More Info	- $500.00 Unsecured credit line - Guaranteed Approval - 0% Interest - No Credit Check - No Employment Check - Reports to Major Credit Bureau
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) N/A* N/A* 0* N/A* None* Bad Credit OK*

[78] Med-A-Card Rewards Visa Prepaid Card
More Info	- Guaranteed approval* - No Credit Check - Saves you up to 50% on healthcare - No waiting periods - No referrals or hassles - Use anywhere Visa Debit Cards are accepted
Opening Min App Fee ATM Fee Other Fees Credit Reporting Credit Needed ( ?) $15.00 N/A* N/A View No Bad Credit OK* Card Account Liquidation Fee Cash Withdrawal Decline Fee Domestic ATM Cash Withdrawal Fee Int'l ATM Cash Withdrawal Fee Load - Direct Deposit Fee Load - Retail Location Fee Overdraft Fee $10.00 $0.95 $2.00 $3.50 FREE FREE $10.00 POS Transactions Fee Paper Statement Fee Replacement Card Fee Second Card Fee VRU Card Account Inquiry Fee VRU Medical Contract Verification Fee FREE $3.50 $9.95 $5.95 FREE $4.45

[79] Maximum Rewards Platinum Edition® Visa® Card
More Info	- 0% Intro APR for 12 billing cycles on balance transfers - 0% Intro APR for 6 billing cycles on purchases - No annual fee - Earn 1 point for every $1 in qualifying purchases with no limit on the number of points you can earn - Use rewards for travel, merchandise, gift cards and more
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) 0%* 12 months* 19.99% - 11.99% (Variable) * $0.00* 20 days* Good*

[80] MasterCard® Gift Card - Personalised Gift Card
More Info	- Personalized, Pre-designed, or Custom prepaid MasterCard Gift Cards for all occasions - Custom message on card - Upload your Photo - Load value from $20.00 to $500.00 - No monthly fees and No annual fees - No maintenance fees - Shipped by USPS First Class (free) or by FedEx - Issued by by First Gulf Bank, N.A. pursuant to license from Visa U.S.A. Inc
Opening Min App Fee ATM Fee Other Fees Credit Reporting Credit Needed ( ?) $25.00 $0.00* N/A View No Accepts All* Card Value $25.00 - $74.99 CAC fee Card Value $25.00 - $74.99 NMF fee Card Value $25.00 - $74.99 standard Card Value $250.00 - $500.00 CAC fee Card Value $250.00 - $500.00 NMF fee Card Value $250.00 - $500.00 standard Card Value $75.00 - $249.99 CAC fee $5.95 $5.95 $4.95 $7.95 $7.95 $6.95 $6.95 Card Value $75.00 - $249.99 NMF fee Card Value $75.00 - $249.99 standard Custom Carrier type fee Greeting card type Carrier fee Inactivity fee (after 12 month) Lost / Stolen card replacement Standard Carrier type fee $6.95 $5.95 $2.00 $1.00 $4.95 $4.95 $0.00

* Always review the online application for details about terms and conditions of the offer. Reasonable efforts are made to maintain accurate information, however all credit card information is presented without warranty.

** Certain restrictions, limitations, and exclusions apply. Once your account is opened, please see your Guide to Benefits for details.

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