PartnersFirst CREDIT CARDS

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

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 Needed N/A * N/A * 11.24% * None * Yes Good

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 Needed N/A * N/A * 16.24% * None * Yes Good

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*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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