Tuesday, May 13, 2008 

Platinum Edition:  The Platinum Edition VISA^® comes with no annual fee and an interest-free grace period on new purchases, along with special Platinum benefits good worldwide.

• No Annual Fee.
• 0.00^% APR for the first nine billing cycles on purchases and balance transfers.
• A variable rate, depending on credit criteria, of the greater of 9.99^%, 13.99^%, 19.99^% Floor Rate or 1.74^%, 5.74^%, 11.74^% + Index Rate* for purchases.
• The greater of 19.99^% Floor Rate or 15.75^% + Index Rate* for cash advances.
• Travel Accident Insurance.
• Purchase Protection and Extended Warranty.
• Auto Pay.
• Consolidations.
• Cash at over 957,000 ATMs.
• Cash at 380,000 Banks Worldwide.
• Purchase Power at 25,000,000 Locations.

Maximum Rewards Platinum Edition:  Card members receive redeemable points.

• No Annual Fee.
• 0.00^% APR for the first six billing cycles on purchases and balance transfers.
• A variable rate, depending on credit criteria, of the greater of 13.99^%, 19.99^% Floor Rate or 5.74^%, 11.74^% + Index Rate* on purchases.
• The greater of 19.99^% Floor Rate or 15.75^% + Index Rate* for cash advances.
• Redeem points for gift cards/certificates, merchandise, full-service travel, charitable donations, experiential rewards and cash.
• Earn 1 point for every $1 in purchases.
• No annual point cap.
• 5 year point expiration.
• Auto Pay.
• Consolidations.
• Cash at over 957,000 ATMs.
• Cash at 380,000 Banks Worldwide.
• Purchase Power at 25,000,000 Locations.

BucksBack Platinum Edition:  Card members earn 1^% cash back for purchases with no annual fee.

• 0.00^% APR for the first six billing cycles on purchases and balance transfers.
• A variable rate, depending on credit criteria, of the greater of 13.99^%, 19.99^% Floor Rate or 5.74^%, 11.74^% + Index Rate* on purchases.
• The greater of 19.99^% Floor Rate or 15.75^% + Index Rate* for cash advances.
• Earn $10 upon approval.
• Earn $10 with first purchase.
• Earn $25 for every $2,500 in purchases.
• Cash at over 957,000 ATMs.
• Cash at 380,000 Banks Worldwide.
• Purchase Power at 25,000,000 Locations.

First Bankcard VISA^® (Secured Card):  People with troubled credit histories or those new to the United States will benefit the most from this card.  Card members can build a positive credit history while using the card with a limit that is set by their own savings deposit.

• Variable rate of 20.99^% Floor Rate or 17.00^%+ Index Rate**, whichever is greater, for purchases.
• Variable rate of 20.99^% Floor Rate or 17.00^%+ Index Rate*, whichever is greater, for cash advances.
• Minimum deposit of $500.
• Maximum deposit of $5,000.
• Cash at over 957,000 ATMs.
• Cash at 380,000 Banks Worldwide.
• Purchase Power at 25,000,000 Locations.

*The Index Rate is the highest U.S. Prime Rate as published in the Wall Street Journal on any day during the 90 days immediately preceding the last day of each calendar month.
**The Index Rate is the highest one-month London Interbank Offered Rate as quoted in the Wall Street Journal on any day during the 90 days immediately preceding the last day of each calendar month.