MILES BY DISCOVER® CARD

MORE DETAILS HERE 12,000 Bonus Miles – 1,000 Miles each month you make a purchase for the first 12 months Double Miles on up to $3,000 in travel and restaurant purchases each year Book any travel, anytime with no blackout dates or restrictions 1 Mile for every $1 on all your other purchases Unlimited Miles that never expire No Annual Fee Redeem for travel credits to your account, gift cards from any of our 90 brand-name Partners or cash starting at just 1,000 Miles

Introductory APR Introductory APR Term Regular APR Annual Fee BT Credit Type 0%* * 6 Months* * 11.99% - 18.99%* * None * Yes Good

CAPITAL ONE® NO HASSLE MILES(SM) REWARDS - GOOD CREDIT

1.25 miles for every dollar spent on purchases No limit on the miles you can earn and miles don't expire Redeem for Travel, Merchandise, Gift Cards and more No blackout dates and no seat restrictions Fly FREE on any airline to any destination 0% intro APR on purchases until November 2010 No foreign transaction fees No annual fee

Introductory APR Introductory APR Term Regular APR Annual Fee BT Credit Type 0% on purchases * Until 11/2010 * 16.9%(V) * None * Yes Good

ESCAPE BY DISCOVER® CARD

25,000 Bonus Miles – 1,000 Miles each month you make a purchase the first 25 months Unlimited Double Miles on all purchases Book any travel, anytime with no blackout dates or restrictions 2 additional Miles for every $1 you spend through ShopDiscover, our exclusive online shopping site Enhanced travel benefits Redeem for travel credits to your account, gift cards from any of our 90 brand-name Partners or cash starting at just 1,000 Miles $60 Annual Fee

Introductory APR Introductory APR Term Regular APR Annual Fee BT Credit Type 0%* * 6 months* * 11.99% - 18.99%* * $60* * Yes Excellent

CITI FORWARD(SM) CARD

0% APR for 6 months on purchases and balance transfers. The credit card that rewards you for good behavior. Up to a 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row. 6000 bonus points after $250 in purchases are made within 3 months of account opening. 5,000 bonus points when you sign up for paperless statements within 3 months of account opening. 5 reward points for every $1 you spend on dining, books, movies and music. 1 reward point for every $1 you spend on other purchases.

Introductory APR Introductory APR Term Regular APR Annual Fee BT Credit Type 0% * 6 Months * 14.24%(V) * None * Yes Excellent

VISA® BLACK CARD

24-Hour Concierge Service: Enjoy the personalized assistance of a 24-hour Concierge Service catering to entertainment, travel, business, shopping and lifestyle needs. Exclusive Rewards Program: Receive 1% cash back on all purchases with Black Card’s Exclusive Rewards Program. Travel Redemption: Redeem points at a higher rate for flights on any airline at any time. No blackout dates or advance purchase requirements. Luxury Gifts: Cardmembers receive luxury gifts from some of the world's top brands. Travel Lounge Priority Pass: Complimentary membership which provides access to over 600 lounges in more than 100 countries. Limited Membership: Membership is limited to ensure the highest caliber of personal service is provided to each Cardmember. Black Card Benefits: Cardmembers are eligible for benefits including Worldwide Travel Insurance, Baggage Delay Insurance, Trip Interruption Insurance, Warranty Manager Service and Purchase Security.

Introductory APR Introductory APR Term Regular APR Annual Fee BT Credit Type N/A * N/A * 13.24% * $495 * Yes Excellent

DISCOVER® MORE(SM) CARD - WILDLIFE COLLECTION

Earn more cash in more ways than anyone else(SM) Unlimited cash rewards, automatically Up to 20% Cashback Bonus® when you shop online Double rewards with more than 100 Cashback Bonus Partners Customer Service in less than a minute, anytime you want 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers*

Introductory APR Introductory APR Term Regular APR Annual Fee BT Credit Type 0%* * 6 Months* * 11.99% - 18.99%* * None * Yes Good

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Additional Information about Low Interest Credit Card Offers Although interest rates are near historic lows, many credit card companies remain reluctant to lend money to qualified borrowers at low interest rates. However, many credit card companies are still offering relatively low rates on 0% interest credit cards. Unfortunately, there is a catch. Nearly every credit card advertises the lowest interest rate they offer. This rate is generally reserved for individuals with excellent credit. Those who do not fit into the excellent credit category may be approved for a credit card, but offered a higher interest rate. Oftentimes, this interest rate can be as much as twice the lowest available rate. When you apply for a low interest credit card, examine the terms and conditions closely. Here, you will find complete details on available rates. As always, the devil is in the details. The same holds true for 0% APR credit card offers. Some credit cards offer 0% interest rates for a full year. Other credit cards offer 0% for up to 1 year. With a card that offers a 0% rate for up to 1 year, you may be approved, but only granted a 0% rate for as little as 3 or 6 months. Obviously, this can be a huge problem, especially if you are doing a 0% interest balance transfer. Again, you can avoid this issue by carefully examining the fine print. *Important Disclaimer: See online credit card applications for complete details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now" button, you can review the credit card terms and conditions on the issuing company's website.

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