The following is a detailed list of the various credit cards we offer:

CARD FEATURE LOW FEE GOLD LOW FEE GOLD PLATINUM CLASS® NO FEE LOW RATE STUDENT BUSINESS Global Acceptance ATM Access Lost/Stolen Card Assistance Emergency Cards and Emergency Cash Master RoadAssist® MasterPurchase® (Includes: Purchase Assurance & Extended Warranty)     1   MasterTrip® (Includes: Trip Cancellation, Trip Unexpected Return Home, Common Carrier Travel Accident Insurance) Trip Cancellation & Common Carrier Only Common Carrier Only Common Carrier Only Common Carrier Only Common Carrier Only MasterRental® (Includes: Accidental Death & Dismemberment, Personal Effects & Collision Damage Waiver Benefits)           MasterLegal® (Legal referrals and payment assistance service)           Credit Card Registry               Travel Health Plan with Out-of-Country/ Province Medical Insurance 2             CHOICE REWARDS® or Platinum Class Travel Rewards CHOICE REWARDS Optional 3 CHOICE REWARDS Optional 3 CHOICE REWARDS Optional 3 Platinum Class Travel Rewards 4 CHOICE REWARDS 5 CHOICE REWARDS Optional 3 CHOICE REWARDS Optional 3   Balance Protection Insurance Optional Optional Optional Optional Optional Optional Optional   Annual Fee $12 $96 $35 $150 $0 $30 $0 $50 6 Annual Fee with CHOICE REWARDS $24 $120 $59   $0 $54 $24   Additional Card Fee No Fee $36 7 $12 7 $40 No Fee No Fee No Fee   Interest Rate 18.99% 18.99% 18.99% 18.99% 18.99% 18.99% 18.99% 18.99% Grace Days 21 21 21 21 21 21 21 21

1. Excludes computers and software
2. Coverage applies to cardholders 69 years of age and under
3. CHOICE REWARDS program accumulates points at a rate of one point per $1 spent
4. Platinum Class Travel Rewards Program offered on the Platinum Class MasterCard card
   accumulates points at a rate of two points per $1 spent. The amount of points accumulated
   is limited to 400,000 points per calendar year
5. Reduced CHOICE REWARDS points accumulation at one point per $2 spent
6. Plus $10 for each card
7. No cost for additional card if enrolled in the CHOICE REWARDS program

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