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					                                                 PRE-PAID CARD FEES∗
         Card           Activation Fee                Participation Fee                     POS                   ATM           Load Fee
                                                                                         Transaction           Transaction
                                               Annual Fee           Monthly Fee
                                                                                             Fee                   Fee
  1st American              $61.2030               None                 $4.95                75¢                  $1.50      $1.5031, $2.0032,
   MasterCard                                                      ($59.40 per year)                                             $4.9533
Bank of America               None                $15.00                 None                 None                 $1.50          $3.00
 Visa Buxx Card
     Citi Cash                None                $25.00                 None                 None                 $1.50          None
 MasterCard for
     Students
 Ecount Stored              $59.0034               None                 $5.95                 None                 $1.50          None
       Value                                                       ($71.40 per year)
   MasterCard
Eufora Associate              None                $29.95                 None                 None                 $2.00          $1.00
     Pre-Paid
   MasterCard
Eufora Elite Pre-             None                $99.95                 None                 None                 $2.00          $1.00
Paid MasterCard
Eufora Preferred              None                $59.95                 None                 None                 $2.00          $1.00
     Pre-Paid
   MasterCard
    InstaBanc                $29.95                None                 $3.00                 $2.00                $3.00     $2.0035, $3.0036
Platinum Prepaid                                                   ($36.00 per year)
       Debit
   MasterCard

30
     $59.95 One-Time Activation Fee +$1.00 Card Set-Up Fee+25¢ Card Activation Fee
31
     Employer Deposit, Cashiers Check or Money Order
32
     Card Account Transfer to Card Account, Western Union or MoneyGram (in addition to Western Union or MoneyGram fees)
33
     Via Merchant
34
     $49.00 if paid online through ACH
35
     Payroll Direct Deposit, From Card Account
36
     From Bank Account
                                                                                                                                            16
         Card           Activation Fee                Participation Fee                     POS                   ATM           Load Fee
                                                                                         Transaction           Transaction
                                               Annual Fee           Monthly Fee
                                                                                             Fee                   Fee
    InstaBanc                $19.95                None                 $3.00               $2.00                 $3.00      $2.0037, $3.0038
  Prepaid Debit                                                    ($36.00 per year)
       Card
  The Meridian              $61.2039               None                 $4.95                  75¢                 $1.50     $1.5040, $2.0041,
       Card                                                        ($59.40 per year)                                             $4.9542
                                     43
      Morgan                $50.20                 None                 $4.95                  50¢                 $1.50     $1.5044, $2.0045,
Beumont Stored                                                     ($59.40 per year)                                             $4.9546
       Value
   MasterCard
 NetSpend All-                None                 None                  None           $1.0047, $2.0048           $2.00          $2.00
 Access Prepaid
   MasterCard
     Platinum                $99.00                None                 $5.95             50¢49, 75¢50             $1.50         $1.0051
Universal Stored                                                   ($71.40 per year)
       Value
   MasterCard



37
     Payroll Direct Deposit, From Card Account
38
     From Bank Account
39
     $59.95 One-Time Activation Fee +$1.00 Card Set-Up Fee+25¢ Card Activation Fee
40
     Employer Deposit, Cashiers Check or Money Order
41
     Card Account Transfer to Card Account, Western Union or MoneyGram (in addition to Western Union or MoneyGram fees)
42
     Via Merchant
43
     $49.95 One-Time Activation Fee+25¢ Card Activation Fee
44
     Employer Deposit, Cashiers Check or Money Order
45
     Card Account Transfer to Card Account, Western Union or MoneyGram (in addition to Western Union or MoneyGram fees)
46
     Via Merchant
47
     For Signature-Based Transactions
48
     For PIN-Based Transactions
49
     For PIN-Based Transactions
50
     For all other purchase transactions
51
     No fee for direct deposit, $12 charge for wire transfers
                                                                                                                                            17
          Card            Activation Fee                  Participation Fee                        POS                    ATM                   Load Fee
                                                                                                Transaction            Transaction
                                                   Annual Fee            Monthly Fee
                                                                                                    Fee                    Fee
    Rush Visa Card             $19.95                  None                   None                 $1.00                  $1.50                   None52

 U.S. Bank Visa                $15.00                  None                   None                   None                   $1.50                 $2.00
   Buxx Card
  Wired Plastic                $69.95                  None                   $6.95                  None                   $1.50                  None
  MasterCard                                                             ($83.40 per year)
Percentage of
  Cards that                    63%                                81%                               50%                   100%                    75%
Assess the Fee
 Average Fee
 Assessed in                   $48.54                      $54.33 per year                          $1.13                  $1.81                  $2.32
   Each Fee
  Category53

Definitions:

Activation Fee – A one-time fee assessed to obtain the card. This fee is also called an application fee.

Participation Fee – A card maintenance fee assessed annually or monthly.

POS Transaction Fee – A point-of-sale fee assessed each time cardholder makes a purchase with their card.

ATM Transaction Fee – A fee assessed each time cardholder uses their card to withdraw money from an Automated Teller
Machine. This fee is in addition to the ATM surcharge fee assessed by the ATM owner.

Load Fee – A fee assessed each time funds are uploaded into the account.

∗
     Information included in this grid was obtained from the fee schedules on the web sites for the individual cards and The Credit Card Directory web site.

52
  $6.95 fee assessed for load via MoneyGram
53
  Averages are based on the average amount of the fee charged by the pre-paid card issuers who charge a fee in that category. If one pre-paid card
charged more than one fee for a category, all the fees were included separately in calculating the average.
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posted:12/3/2008
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