Credit Cards vs. Debit Cards

Debit cards are an alternative to credit cards with some major differences. Debit cards withdraw money directly from your checking account, and although they may have a MasterCard or VISA logo your available credit limit is the money you currently have in your bank account.

Debit cards are accepted by merchants for goods and services, usually consumables like; groceries, gas, meals out, and clothing. You are actually paying cash for these items just as though you handed the merchant money instead of plastic. You generally can only spend what you have unless you have an “overdraft” account which will cover a little more.

Credit Cards are borrowed money, used for a variety of items. It’s the “buy now, pay later” plan. This works if you have the money to pay later, but can become a credit trap if you spend more than you can pay back later because you “thought you could”.

DEBIT CARDS

• Your money, direct access to your account
• No interest or finance charges
• Do not report activity to credit reporting bureaus, not useful for building credit scores
• Works in ATM’s for cash with PIN number or at “point of Sale” for merchandise without PIN
• Point of Sale transactions come directly from your bank account, no monthly bills, but no time delay either
• If stolen, can give thief direct access to all your money with limited protection against misuse and theft
• Must keep track of spending in check book so you don’t get overdrawn

Prepaid Visa® RushCard

Intro APR Intro Period Regular APR Annual Fee N/A* N/A* N/A%* N/A* Created by Russell Simmons to provide Financial Freedom and Respect NO monthly, NO annual fees and NO hidden fees Quick and easy! Everyone is eligible! NO credit check FREE direct deposit of pay, tax refund, and government benefits Access your money at over 850,000 ATMS Free 24x7 customer service, activity status, & balance inquiries Use anywhere Visa debit cards are accepted-in stores, on the internet, and over the phone Helps control debt-you can't overspend!

Baby Phat Prepaid Visa® RushCard

Intro APR Intro Period Regular APR Annual Fee N/A* N/A* N/A%* N/A* Show your style with the BabyPhat RushCard NO monthly, NO annual fees and NO hidden fees Quick and easy! Everyone is eligible! NO credit check FREE direct deposit of pay, tax refund, and government benefits Access your money at over 850,000 ATMS Free 24x7 customer service, activity status, & balance inquiries Use anywhere Visa debit cards are accepted-in stores, on the internet, and over the phone Helps control debt-you can't overspend!

Wired Plastic™ Prepaid Visa® Card

Intro APR Intro Period Regular APR Annual Fee N/A* N/A* N/A%* 39.95* New Card for Convenient Tap-n-Pay Purchases at Merchants Nationwide No Bounced Check, NSF and Overdraft Charges EVER! FREE Rewards Program - Earn 1 point for every $1 spent, redeem for Prepaid Wireless Airtime, Music Downloads, LD Calls FREE Bill Pay Service - Pay Anyone Online or Over the Phone FREE Credit Builder with Overdraft Protection FREE Mobile & Email Alerts FREE Direct Deposit - Eliminate Check Cashing Fees Add Cash Instantly at 100,000 Retail Locations Nationwide

AccountNow™ Vantage Debit MasterCard®

Intro APR Intro Period Regular APR Annual Fee ** N/A* N/A%* See Terms** Build your credit with the new iAdvance loan option(SM) Instant Guaranteed Approval* – no credit check, no security deposit $0 ACTIVATION FEE – when you load your card by direct deposit Free Direct Deposit – no more check cashing fees Free Online Bill Pay – no need for expensive money orders Free Credit Builder† – bill pay transactions are reported to PRBC® No Overdraft Fees – no minimum balance required Reloadable - $10,000 balance limit

First Vineyard MasterCard® Card

Intro APR Intro Period Regular APR Annual Fee N/A* N/A* N/A%* ** Receive cash back from your own spending Receive cash compensation from the spending of anyone in your compensation tree. Live debt free and receive compensation for your everyday spending. Reload your card directly from your payroll or bank account Powerful Online Account Management Online Bill Payment service included – Pay your bills directly with our powerful bill payment service Card Accepted at 30 Million merchants & One Million ATM machines

All-Access® Visa® Prepaid Card

Intro APR Intro Period Regular APR Annual Fee ** N/A* N/A%* None* As seen in stores nationwide Extra user cards – EXCLUSIVE OFFERING! FREE (5% APR) savings account - EXCLUSIVE OFFERING! FREE 2-way text message alerts - EXCLUSIVE OFFERING! FREE mobile money transfers - EXCLUSIVE OFFERING! Refer-a-Friend and you both get paid - EXCLUSIVE OFFERING! Direct deposit - get paid fast Unlimited purchase transactions Pay bills online 24/7 Black or silver card options Cash load up to $10,000 at over 65,000 locations Signature, PIN or ATM transactions accepted NO credit check NO bank account required NO upfront cost to order NO overdraft fees NO minimum balances

Western Union® Prepaid MasterCard®

Intro APR Intro Period Regular APR Annual Fee N/A* N/A* N/A%* None* Carry your money safely and conveniently. Shop online anywhere MasterCard debit cards are accepted. Check your Card balance anytime online or over the phone. Reload your Card at any participating Western Union Agent location in the United States. No credit checks! No lengthy applications! Shop wherever MasterCard debit cards are accepted – even online Efficiently manage your money and pay bills because you control how much you put on the Card. Easy to Get, Easy to Use The power of cash. The convenience of plastic.

CREDIT CARDS

• Borrowed money, must be paid back
• Costs you finance charges, interest charges, dues and fees
• Reports your habits to credit bureaus. May help or hurt your credit score depending on your spending and payment habits
• Credit limit generally higher than cash on hand would be
• Can get cash as “cash advances” costs more in interest and finance fees
• If stolen you are only liable for the first $50 taken

Both kinds of cards have their positives and negatives. The biggest negative on the debit card is the issue of stolen or unauthorized usage. This could cause you to lose a great deal of money. It’s always a good idea to have a separate account for the debit card so that any thief is limited on the amount he can steal.

Safety TIPS

To safeguard your debit card, follow these measures.

• Sign your card as soon as you receive it.
• Report a lost or stolen card immediately.
• Always review your statements and report any unauthorized charges immediately.
• Keep the phone number and name of your card issuer in a safe, secure place.
• Choose a PIN that no one else could possibly know or guess.
• Memorize your PIN and never give it out or write it on the card, the card sleeve or on anything else you keep in your wallet or purse.
• Shield the screen and keyboard when you are entering your PIN.