Orchard Bank® MasterCard® Card • Variable % or up APR* • Grace Period 25 days • A one-time fee $0 or up to $49 is due upon application • Annual Fee $39 or up to $79 Same application for all Orchard cards-while applying, choose according to your credit

Millennium Bank Secured Platinum • % or up APR* • Credit limit of $300 to $5000 • Processing fee $69.95 • Annual Fee $59 • NO CREDIT CHECK REQUIRED, We verify only your age, social security number and residence, We do not consider your credit history • $100000 travel accident insurance • Auto rental insurance • Extended warranty protection

Department Credit Cards

Free Credit Club • 0% Purchase APR* • $2500 credit limit and no upfront or any fee • At any time pay off full unpaid balance without penalty or costs • NO Credit Check or employment verification • Optional upgrade to $7500 Platinum Credit Line + privileges Credit Manager • Monthly payment history will be reported to the credit bureau • Fees for paying late $10 • Minimum monthly payment is $10 or 5% of the balance

USA Platinum • Instant Online approval *Guaranteed • No Credit Checks • No Interest Charges • Credit line $7500 • Checking or Savings account required • Reporting to a credit bureau a $7500 unsecured credit line • $149-1 time application fee BUT $150 in merchandise credits *See website for terms and conditions

USA Gold • Instant *Guaranteed Online approval • No Credit Checks • Credit line $300-$5000 • 0% APR unless you're late • Reporting to a credit bureau • No annual fee *See website for terms and conditions

All American Gold Card • No Credit Check, No Interest Charges • 30 days money-back guarantee on membership fee • Credit line $6000 • $149.95 1-time application fee BUT receive a $300 Grocery Gift Card • Minimum monthly payment required is $10 or 5% • Down payment approximately 20-30% may be required

Student Credit Cards

Chase Ultimate Rewards Express SM Student Card • 0% APR* on Purchases and Balance Transfers for 6 months • After that % or up APR* • No Annual Fee • 1 point per dollar spent in net purchases

Citi® mtvU™ Platinum Select® Visa® Card • 0% intro APR for 6 months on Purchases, BT, and Cash Advances • After intro, Purchase & BT % or up APR*; Cash Advances 22.49% APR* • No balance transfer fees with this offer, then 3% ($5 min, $75 max) • No annual fee • 10% off MTV online & NYC store • Part of Citi ThankYou Redemptions Network • 5 Points every $ on books, records, videorental-stores, restaurants +fastfood, movie theaters • 1 Point on all other purchases • 25 bonus Points every billing cycle make your Minimum Payment or more on time • Points can be earned by submitting grades up to 2 times per year - 2.5-2.99=250,3-3.49=500,3.5-3.99=750,4=2000points • You can earn up to 75000 ThankYou Points during any calendar year • 1500 points = $10+, 10000 points = spring break pass

Citi® Upromise® Card • 0% APR* on Balance Transfers for 12 months • Thereafter and on Purchases 5.99% or up + prime (% or up APR* • No annual fee • Grace period not less than 20 days • 10% college savings on 7000+ grocery & drugstore items (Coca-Cola, Kleenex & 7000 more) • 2% college savings on gas at Exxon and Mobil locations* • 1% college savings everywhere you shop** • Citi® Identity Theft Solutions • Online Fraud Protection

Discover® Student Tropical Beach Card • 0% Intro APR* on Purchases usually for 6 months* read TERMS for current • Thereafter % or up APR* • No Annual Fee • 5% Cashback Bonus® in popular categories* • Up to 1% Cashback Bonus® on all other purchases automatically* • Build Your Credit History • Grace Period at least 25 days • Online account management • 100% protection from all unauthorized purchases

Discover® Card for College Students • 0% Intro APR* on Purchases usually for 6 months* read TERMS for current • Thereafter % or up APR* • No Annual Fee • 5% Cashback Bonus® in popular categories* • Up to 1% Cashback Bonus® on all other purchases automatically* • Grace period at least 25 days • Online account management • 100% protection from all unauthorized purchases

Prepaid Credit Cards

First Vineyard edition Wired Plastic • First Vineyard does not set a limit or charge a fee for transactions • 1% cash back on your own spending • SSN & bank account/credit card required for in.fee (names don’t have to match) • $6.95 per month and one-time $39.95 fee to own • No credit approval/check required • Recharge it as you see fit with direct deposit, MO, cashiers check ect.

Homeland Visa® • One-time $159.95 application and processing fee • DOB and SSN required • Checking or savings acct required to open • Reload by mail, direct deposit, bank transfer • No maximum limit on amount that may be transferred to Card • Maximum spend $1500 per day or $5000 per week • Monthly Maintenance Fee $3.95 • Zero dollar liability policy

VAYA® MasterCard® Card • Spend cash in your VAYA at any store, draw cash from any ATM • Real-time transaction history for all VAYA holders • 100% guaranteed fraud protection • $5.95 per month and one-time $49 fee to own • No credit approval/check required • Budget & control your spending • Recharge it as you see fit to perform your purchases

Wired Plastic Prepaid Visa® Card • NO Credit Card required even to open account • FREE=Payroll Direct, Check/MoneyOrder, ACH, PayPal, Online Funds • $3.95 per month & one-time $9.95 fee to own + initial balance • Online Account Management • Earn Wired Points™ Prepaid Airtime Minutes every $1=1second • Good for Verizon, TracFone, Cingular & AT&T • Receive 1000 bonus Points when you load & activate your card • May Review Your Credit History • May Review ID, SSN, BILL in your name (depending credit history)

Eufora Stored Value MasterCard® Card • Annual fee $29.95 or $59 for Credit Builder • Value Load Fee $1 • Optional Credit Builder +$6/month (credit reporting) • Cash Reward Program • Online Access • Zero Liability • Identity Theft Insurance • Auto Rental Insurance • Up to 200000 Travel Accident Insurance

BuyRIGHT Stored Value MasterCard® Card • Monthly Fee $7.95 then free POS • Or no Monthly Fee then $1 POS • one-time activation fee of $29.95 +$20.00 minimum load • Payment option: Money Order, CC or Account • Automated Customer Service Fee Free (live $1) • Free Online Account Access • Direct Deposit Free, M.O. $1 • Pay Bills Online With Click-n-Pay $1 • Access BuyRIGHT Membership and prepaid card at one location