MilesEdge Platinum Visa Card

Card issued by FIA Card Services, NA.
Up to $1,000,000 in travel accident insurance.
Auto rental insurance.
Extended warranty protection.
Various travel and emergency assistance services.
Medical referral services.
Legal referral services.
Lost luggage recovery.
Emergency airline ticket replacement.
No liability for unauthorized Internet transactions.
Optional personal photo on card.
Discounts on auto rentals.
Optional Mini Card.
See website for additional benefits.
*See website for complete terms and conditions of card usage and application disclosure. *Terms and Conditions

APR (Purchases): Intro Rate - 0% for six billing cycles. Goto rate is variable risk based rate between Prime + 4.99% and Prime + 12.99%
APR (Balance Transfers): Intro Rate - 0% for six billing cycles. Goto rate is variable risk based rate between Prime + 4.99% and Prime + 12.99%
APR (Cash Advances): 21.99% Variable* minimum 19.99%. (P+15.99)
Finance Configuration: Average Daily Balance (including new purchases)*
Annual Fee: $19
Additional Cardholders: $0
Grace Period: 20 Days (Min.)
Minimum Credit Limit: $500
Maximum Credit Limit: N/A
Late Payment Fee: $19 on balances up to $100; $29 on balances of $100 up to $1,000; and $39 on balances over $1,000
Over-The-Limit Fee: $35
Cash Advance Fee: 3%, $10 minimum
Balance Transfer Fee: None

Reward Program Details:
Points per Dollar in net purchases: 1 Point
Bonus Miles: 1,000 upon first use
Miles Expiration: Up to 5 years (points expire on the last day of your Billing Cycle that closes in December of the fourth calendar year in which they were earned).
Yearly Limit on miles you can earn: 75,000 points

*See website for complete terms and conditions of card usage and application disclosure. *Terms and Conditions
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DID YOU KNOW?

	When you make big, financial decisions in your life, you usually weigh all the options and consider all consequences before you jump in feet first, right? Making an investment is no different. Before making an investment, you must decide which brokerage firm or broker/dealer and stockbroker, account executive, or registered representative to use. Before you make those decisions, though, here are six steps you should take: -- Think through your financial objectives carefully, and prepare a personal financial profile. -- Talk with stockbrokers at several firms. Schedule a meeting with them face to face at their offices, if possible. Ask them about their investment experience, professional background, and education. -- Determine whether you need the services of a full service or a discount brokerage firm. A full service firm typically provides execution services, recommendations, investment advice, and research support. A discount broker generally provides execution services and does not make recommendations regarding which securities you should buy or sell. The charges you pay may differ depending upon what services are provided by the firm. -- Understand how the stockbroker gets paid. Ask for a copy of the firm's commission schedule. Firms generally pay sales staff based on the amount of money invested by a customer and the number of transactions done in a customer's account. More compensation may be paid to a stockbroker for selling a firm's own investment products. Ask what "fees" or "charges" you'll be required to pay when opening, maintaining, and closing an account. -- Find out about the disciplinary history of any brokerage firm and stockbroker by calling 1-800-289-9999, a toll-free hot line operated by the National Association of Securities Dealers, Inc. (NASD). The NASD will provide information on disciplinary actions taken by securities regulators and criminal authorities. Your state securities regulator also can tell you if a brokerage firm or stockbroker is licensed to do business in your state. Don't skip this important step! If you do business with an unlicensed securities broker or a firm that later goes out of business, there may be no way for you to recover your money, even if an arbitrator or court rules in your favor. -- Ask if the brokerage firm is a member of the Securities Investor Protection Corporation (SIPC). SIPC provides limited customer protection if a brokerage firm can't pay their debts. Also ask if the firm has other insurance that provides coverage beyond the SIPC limits. SIPC does not insure against losses due to a decline in the market value of your securities. For further information, you can call SIPC at (202) 371-8300. Remember, part of making the right investment decision involves finding the brokerage firm and the stockbroker that best meet your personal financial needs. Don't rush. Do the necessary background investigation on both the firm and the stockbroker. Resist those who urge you to immediately open an account with them.

Before Jim left for a study-abroad program in Australia last spring, he signed up for another credit card. One more wouldn't hurt, thought Jim, then a sophomore at Iowa State University. "I didn't plan on using the card," says Jim. "But Australia was a blast." The price tag? Over $10,000.

Luckily for Jim and others in his predicament--the average college student carries $2,400 in credit card debt some schools are providing credit counseling to their students. Montana State University in Bozeman, for example, operates Student Advocates for Financial Education. During a typical session at the busy office, counselors help students map out a budget, track expenditures, and find ways to cut back on expenses. "Tuition has gone up, the cost of living has gone up, and student wages have not kept pace," says Deborah Haynes, an associate professor at the school who oversees the program.

Payback. Students up to their ears in debt can also turn to nonprofit consumer credit counseling firms. These organizations can work out repayment plans directly with creditors or consolidate bills into one monthly statement, something on-campus centers may not be able to do. But be wary of scams. Credit Counseling should be free or nearly so, and credit card debt management plans shouldn't cost more than $50 to set up and $35 in monthly charges, says Travis Plunkett, legislative director with the Consumer Federation of America.

Back at Iowa State, Jim struggled to make ends meet, barely affording the monthly minimum charge on four credit cards and a line of credit. He went to the Financial Counseling Clinic at Iowa State, which offers to work with creditors to lower interest rates, but quickly realized he needed a more disciplined approach. He left school to move in with his parents in Minnesota and is now taking classes at a local community college. And he signed up with Lutheran Social Services, a nonprofit group in Duluth, Minn., that offers consumer credit counseling and credit card debt management.

Hill is now on a tight budget. Two thirds of what he earns each month working at a bank goes toward his credit card debt : He pays $65 to Lutheran Social Services each month--the organization keeps $5 and disperses the rest to two credit card companies--and coughs up an additional $420 to pay off his other cards and the line of credit. "It's a big burden," he says. "But it's going to be solved."