DISCOVER® MORE(SM) CARD - SEALIFE COLLECTION

MORE DETAILS HERE 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

GOLF MAGAZINE REWARDS VISA® CARD

Save with an introductory 0% Annual Percentage Rate (APR) for Balance Transfers through your first 6 monthly billing cycles. Free 1 dozen Titleist Pro V1 golf balls after your first purchase of $50 - a $58 value! Earn 1% cash back. Or earn points for golf gear, access to championship courses, VIP golf experiences, plus travel, merchandise, and gift cards Points don't expire (as long as your account is open and you use your credit card every 24 months) No annual fee

Introductory APR Introductory APR Term Regular APR Annual Fee BT Credit Type 0% on Transfers * 6 Months * 16.24% * None * Yes Excellent

BICYCLING MAGAZINE REWARDS VISA® CARD

For a limited time only! Get a $50 statement credit, when you spend $100 on purchases within 60 days on the card.* Earn 1% cash back on every purchase *Terms of Offer: In order to qualify, you must be approved and make qualifying purchases totaling $100 within the first 60 days of account open date. Offer valid for new cardholders through this promotion only. Not valid for existing Bicycling Magazine Cardholders. This promotion is offered and administered by PartnersFirst. Offer to apply expires November 30, 2009.

Introductory APR Introductory APR Term Regular APR Annual Fee BT Credit Type N/A * N/A * 16.24% * None * Yes Good

MTV® VISA® CARD FROM CAPITAL ONE® - GOOD CREDIT

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 November 2010 No annual fee

Introductory APR Introductory APR Term Regular APR Annual Fee BT Credit Type 0% on purchases * Until 11/2010 * 16.9%(V) * $0 * Yes Good

BMW CAR CLUB OF AMERICA REWARDS VISA ® CARD

Customize your card with your favorite BMW photo! Redeem points for BMW Performance Center driving experiences, BMW CCA gear and Free Membership. … and more Or, choose airline travel, merchandise, gift cards or pro sports events Earn 1% cash back on every purchase! No Late fees. No Overlimit fees. No Annual Fee Save with an introductory 0% Annual Percentage Rate (APR) for Balance Transfers through your first 6 monthly billing cycles. 24/7 customer service

Introductory APR Introductory APR Term Regular APR Annual Fee BT Credit Type N/A * N/A * 11.24% * None * Yes Good

CAPITAL ONE® ORBITZ® VISA® PLATINUM - EXCELLENT CREDIT

3 points per dollar spent on eligible Orbitz.com bookings Get 1 point per dollar on all other purchases Bonus points on eligible Orbitz.com bookings No limit on the points you can earn and points don't expire Redeem points for Travel, Merchandise, Gift Cards and more Earn travel quickly with low redemption minimums 250 point refueling bonus when you redeem points for awards No annual fee

Introductory APR Introductory APR Term Regular APR Annual Fee BT Credit Type 0% on purchases * Until 11/2010 * 13.9%(V) * None * Yes Excellent

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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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