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Credit.com

To sign up for this programme, click here to join the buy.at network.

Commission
Varies by product, up to $73.75/application
Referral period
24 hours

Description

Since its inception in 2001, Credit.com has provided publishers with the best credit and finance related products available to promote. Credit.com offers a vast selection of consumer-related financial products including free credit scores, credit monitoring, credit cards, loans and more. Quickly and easily increase conversions and boost your existing revenue stream with Credit.com today.

Category

Credit/Finance

Creative

We provide a variety of creative available for your site, including animated banners, text links, widgets and more.

Commission Structure

TransUnion 3 Bureau Monitoring Free Trial $24.50/free trial

Baby Phat Prepaid Visa RushCard $5.35/lead

Black Diamond Prepaid Visa RushCard $5.35/lead

Purple Diamond Prepaid Visa RushCard $5.35/lead

Military Loans $4.20/lead

Private Student Loans $1.05/lead

FreeCreditScore.com (Experian) $15.25/lead

Privacy Guard $19.25/approval

Applied Bank Secured Gold Visa Credit Card $27.75/lead

Platinum Zero Secured Visa Credit Card $27.75/lead

Small Business Micro Loan Visa Card $20.00/lead

Miles by Discover Cards $73.75/lead

Discover More Card $73.75/application

Discover Motiva Card $73.75/application

Escape by Discover Card $73.75/application

Discover Open Road Card $73.75/application

Discover Student Cards $27.75/lead Clear, Tropical Beach, Monogram Collection, Mix Tape Student Card

Open Sky Secured Visa Card $31.50/approval

Simmons First Visa Platinum Card $31.50/lead

Simmons First Visa Platinum Rewards Card $31.50/lead

Green Dot Gold Prepaid MasterCard $6.15/lead

Green Dot Gold Prepaid Visa Card $6.15/approval

READYdebit Prepaid Visa Card $5.35/lead

READYdebit Platinum Visa Prepaid Card $5.35/lead

Upside Visa Prepaid Card $6.90/approval

Horizon Gold Card $3.85/lead

BillMyParents Prepaid MasterCard $13.00/lead First National Maximum Rewards Platinum Edition Visa Card $26.90/lead

mPower Visa Prepaid Card $6.15/lead

BuyRIGHT PrePaid MasterCard $6.15/lead

Cookie Length

24 hours

Search Marketing / PPC Policy

Affiliates can engage in search engine marketing related to Credit.com based on the specific Marketing Guidelines associated with each product.

Affiliate Management This program is proactively managed by Jeannine Crooks. Contact her at 888-791-0341, ext 109 or at jeannine.crooks@buy.at.

Specific Terms

Marketing Guidelines for: 1. Capital One Bank (USA) Orchard Cards 2. Transunion 3. Pioneer Military Loans 4. Identity IQ 5. Privacy Guard 6. Experian FreeCreditScore.com 7. Score Direct 8. Discover Consumer & Student Cards 9. Public Savings Bank Open Sky Secured Visa Card 10. Green Dot PrePaid MasterCard & Visa Card 11. READYdebit Prepaid Cards 12. Upside Prepaid Card Capital One Bank (USA) Orchard Cards

Publisher and its affiliates must:

Website Guidelines

Publisher and its affiliates must:

Prohibited Practices

Publisher and its affiliates shall not undertake or engage in any of the following practices: Bid on and/or buy any credit card brand name(s) used by Capital One Bank (USA) or trademarks from search engines. This includes all brands owned by or licensed to Capital One Bank (USA) or its affiliates including but not limited to Householdbank.com, Orchardbank.com, Householdcard.com, and any name containing "Capital One Bank (USA)" as well as misspellings and derivatives of any brand name (collectively the "Brand Name"). Publisher will not use in its domain name nor purchase or register any search, referral, or advertising service (such as Google's AdWords program), unless with the explicit prior written approval of Capital One Bank (USA), any of the following terms:

Incentive/Reward Sites

If Publisher, including marketing and/or its affiliates, offers cash and/or point rebates and/or incentives ("Incentives") of any kind to its customers/prospects for completing a transaction associated with Capital One Bank (USA)'s offer, Publisher agrees to the following terms:

Email

If publisher including its affiliates, deploys solo email advertisements on behalf of Capital One Bank (USA) to its email advertising list, publisher:

Transunion Marketing Rules

Publishers are not permitted to bid on any of TrueCredit's branded terms including TrueCredit, TransUnion or any variations / misspellings.

Publishers cannot not use the term TrueCredit or TransUnion as the display URL.

NON-BRANDED SEARCH TERMS & VISIBLE URLS: Affiliates are permitted to bid and link directly to the TrueCredit website on non-branded keywords provided the following:

  1. Affiliates may not use the terms, "improve", "enhance", "boost", "raise" or "increase" in the same phrase as "score" or "rating" in the ad copy.
  2. Affiliates may not use the phrases "credit repair", "credit rebuilding", "credit fix", "repair your credit", "fix your credit" or combinations of those words in the ad copy.
  3. Affiliates may not use the terms "advice", "tips", "suggestions" or "instructions" in the same phrase as "improving", "enhancing", "boosting", "raising" or "increasing" a credit score or credit rating in the ad copy.
  4. Affiliates may not use trademark symbols, registered mark symbols, or use the words "official site", "official store" or "official" in their advertising for TrueCredit.
  5. Affiliates must ensure that all copy used for search and keyword purposes is appropriate and 100% accurate and does not contain any claims that could be construed to be false or misleading. For example, when making a statement about the performance of TrueCredit's analytic tools, (e.g., a score simulator), keywords and URL's, as well as marketing and advertising materials, must not suggest that a simulated score is "always" (or it's equivalent) predictive of one's actual score.

NOTIFICATION: Affiliates must agree that, following notice from TrueCredit or Credit.com, they will promptly remove any search listing containing copy and/or creative components that TrueCredit, in its sole discretion, deems inappropriate for any reason. If TrueCredit determines, in its sole discretion, that an affiliate has purchased or attempted to make any purchase in violation of the above policy, then TrueCredit may (without limiting any other remedies available to it) pursue any or all of the following actions:

  1. Withhold all compensation otherwise payable to you for the month in which you purchased the prohibited trademarked terms.
  2. Contact the search engine in which your ad was found to ask that these ads be removed immediately and permanently.
  3. Terminate this Agreement as provided in the section titled "Term of the Agreement; Termination", and remove you from the TrueCredit Affiliate Program permanently.

All affiliates at all times shall comply with the FTC's Final Free Annual File Disclosure Rule, as amended. Pioneer Military Loans Marketing Guidelines
As of July 1, 2009

Here are the terms stated in the agreement.

  1. Pioneer Services. Any references to Pioneer Services or Pioneer Military Lending in the Web Affiliate Agreement or the following amendments shall be deemed to be references to MidCountry Bank DBA Pioneer Military Lending.
  2. Best Practices. Affiliate shall adhere to best practices in advertising, linking and web page design. Black hat practices are expressly prohibited. Black hat and other deceptive tactics include, but are not limited to, using cloaking, keyword stuffing, redirects, jump pages or other tactics intended to deceive consumers, advertising vendors, or Pioneer Services.
  3. Brand Terms and Marks. For the purposes of this agreement, Pioneer Services' "brand terms and marks" include: Pioneer, Pioneer Loans, Pioneer Services, Pioneer Military Loans, Pioneer Military Lending and any variation or misspelling thereof.
  4. Direct Linking. Affiliate shall not direct link to PioneerServices.com, PioneerMilitaryLoans.com, or PioneerMilitaryLending.com in any paid advertisement or natural search listings. All traffic generated must first be directed to Affiliate's site where the user then initiates a click through to PioneerMilitaryLoans.com via an affiliate link provided by Pioneer Services.
  5. Domain Name. Affiliate shall not use Pioneer Services' "brand terms and marks"; as defined in article 4 above, in the Affiliate website domain name.
  6. Official Site. Pioneer Services does not authorize the use of "Official Site" in conjunction with Pioneer Services "brand terms and marks" in titles or descriptions. Affiliate is not permitted to frame the Pioneer Services landing page or otherwise intend for its site to appear as an official Pioneer Services site.
  7. Content Duplication. Content scraping or use of copyrighted content from PioneerServices.com, PioneerMilitaryLoans.com and PioneerMilitaryLending.com is not permitted. Suggested product descriptions will be available from Pioneer Services. Content on Affiliate's sites must be current, timely and accurate.
  8. Paid Advertising (search and network). Affiliates may not use Pioneer Services "brand terms and marks" within their ad copy (title or description) or as the display URL in any paid or sponsored advertisement.
  9. Emailing. Usage of Pioneer Service brand in promotional emails is not allowed unless approved in writing by Pioneer Services.
  10. Loss of Commissions. If Affiliate is found to be in violation of the foregoing terms in this amendment to the Web Affiliate Agreement as determined by Pioneer Services, Affiliate will be subject to the immediate termination of the Web Affiliate Agreement and subject to having any unpaid commissions canceled, in addition to any other remedies available at law or equity for breach of the Web Affiliate Agreement.
Privacy Guard - Marketing Guidelines

The following are items you need to avoid in your communications:

Note: The credit reporting agencies' logos and trademarks cannot be used without prior written permission.

Credit Repair

The concept of "credit repair" is not recognized by the credit reporting agencies. Under the Fair Credit Reporting Act (FCRA), consumers have the right to request investigation of information reported to the credit reporting agencies by filing a dispute. Results of the investigation must be provided within a timeline defined under the FCRA. If the disputed information cannot be verified as reported or if results of the investigation are not provided to the consumer within defined the timeline, the information must be removed from the consumer's credit file.

Promoting credit repair, or including references to clear your credit, fix your credit, advice on correcting your credit, clean up your credit are not permitted as this alludes to credit repair. Providing a link to a website promoting credit repair is also not permitted.

Website Requirements for Marketing of Free-Trial Offers
When negative-option products are offered (e.g., free credit report with enrollment in a trial offer of a monitoring product where failure to cancel in the free trial period results in charges for all future periods the monitoring product is provided) the items listed below must be disclosed to the consumer:

(i) On the home or landing page or other first point of contact with the consumer, and prior to a consumer beginning the enrollment process;
(ii) in language that is clear and conspicuous, which means that the disclosure shall be in close proximity to the free offer, shall be in a type size no smaller than the type size used in the majority of text on the page where the disclosure is made;
(iii) in a manner that is distinct from the remainder of the text on the page such as inside a border and/or in a shade that is distinct from the other colors used on the page; and
(iv) the reference to AnnualCreditReport.com shall be an active hyperlink, underscored and in a blue color normally associated with links.

a. Negative option product explanation in language understandable to an average consumer that includes full disclosure of the terms of the negative option offer, the price to be charged after the trial period, that consumers must cancel the membership to avoid charges, and all other material of the offer;
b. Consumer's right under Federal law to a free credit report once every 12 months, including the link to AnnualCreditReport.com as described above;
c. A statement explaining Reseller is not affiliated with the annual free credit report program;
d. Suggested language for the disclosure required above is as follows:

"When you order your free [report or score] here, you will begin your free trial membership in [name of credit monitoring or other free trial program]. If you don't cancel your free trial membership within the 30 day [or other period], trial period, you will be billed $__ per month [or other billing period] that you continue your membership. Under Federal law, you have the right to receive a free copy of your credit report once every 12 months from each of the three nationwide credit reporting agencies. To request your free annual report under that law, you must go to www.annualcreditreport.com. [Reseller Name] is not affiliated with the annual free credit report program."

Suggested Phrasing
The following suggestions are offered to help create standard descriptions for credit reporting agencies and credit products for website, marketing and fulfillment content.

Credit Reporting Agencies

When the context of marketing copy is specific to credit reports or credit file monitoring, the bureaus should be referred to as "credit reporting agencies" or "credit repositories."

The bureaus should be defined as "...the three national credit reporting agencies: Experian, Equifax and TransUnion" the first time they are mentioned in your text. There are other credit reporting agencies in the U.S. so it is important to identify Experian, Equifax and TransUnion as the source of credit data.

Subsequent references can be "...the credit reporting agencies."

Examples: "... you will receive your credit report from the three national credit reporting agencies: Experian, Equifax and TransUnion." "...you will receive your credit report from Experian, one of the three national credit reporting agencies."

Credit Reports

If text is describing the credit report itself, it is acceptable to use "1-bureau Experian credit report" or "3-bureau credit report from Experian, Equifax and TransUnion, the three national credit reporting agencies."

If reference to the credit report is repeated throughout the text, it is acceptable to just use "1-bureau credit report..." OR "...3-bureau credit report" for additional references.

Credit File Monitoring

The consumer's credit file is monitored.

Examples: "...your credit file at Experian will be monitored daily and you will be notified of significant changes." "..ongoing monitoring of your Experian credit file with monthly alerts of significant changes."

Important Note: No Incent, No Social Currency, No Craigslist Type Traffic is allowed.

Experian FreeCreditScore.com Marketing Guidelines 1. (Affiliate) Company will not: (a) register any domain names or bid on search engines any words, phrases or keywords that are used by or are trademarks or domain names of Experian, any of its affiliated companies, competitors or any other company: CardSafe Child Secure ConsumerInfo ConsumerInfo.com CreditCheck CreditCheck Total ECD Experian Experian Consumer Direct Experian Interactive Family Secure FreeCreditReport.com Get the score Know Your Score ProtectMyID.com Triple Advantage Triple Alert and/or: (b) use any such domain names as a display URL in any search engine listing or in any keyword bidding. Experian's and its affiliated companies' trademarks and domain names include the following(including, without limitation, any misspellings or variations thereof, or any similar terms): www.consumerinfo.com www.creditchecktotal.com www.experian.com www.experiandirect.com www.experian.experiandirect.com www.experianinteractive.com www.familysecure.com www.freecreditreport.com www.protectmyid.com www.qspace.com www.qspace.iplace.com www.triplealert.com 2. Company: (a) will not include any of the following terms (including, without limitation, any misspellings or variations thereof, or any similar terms) in its search terms and domain names; and (b) will add such terms to its search account or system as a "negative" match option if it participates in keyword buys, including with "broad" or "phrase" keyword match option turned on: Absolutely free Annual Annual credit report Annual report Annualcreditreport Annualcreditreport.com Bad credit advisor Bad credit help Boost credit Build credit Clean up Clean-up Cleanup Clean credit Consumer credit repair Correct Corrected Correcting Correction Credit counsel Credit counseling Credit counselors Credit dispute Credit dispute repair Credit help Credit improvement Credit monitoring services Credit repair Credit report repair Debt repair Disclosure Dispute Disputed Disputing FACTA FACT Act Fair and Accurate Credit Transitions Act Federal Credit Reporting Act FCRA Federal Trade Commission FTC Federal law Fico Fico score Fix Fix credit Free annual credit report Improve Improvement Improving Increase Increasing Lifelock Lifelock.com Raise Raising Repair Repair credit Repair services Restoration Score Direct Marketing Guidelines 1. Allowed: Search, Email, Display, PPV, Integration, Thank You Page, Exits 2. Not Allowed: No incent, no co-reg, no craigslist generated traffic or similar (similar = posting fake job/housing sites to generate transactions) 3. Do not promote as a Free Credit Report per FTC Regulations 4. Search publishers: Please make sure to review the keyword restrictions Search Marketing Guidelines- Trademarks and Domain Name: Company agrees that it shall not: 1.register any trademarks or domain names of ECD, any of its affiliated companies, competitors; 2. use any such trademarks or domain names as a display URL in any search engine listing; and/or 3. direct link to any such domain names. ECD's and its affiliated companies" trademarks and domain names include the following (including, without limitation, any misspellings or variations thereof, or any similar terms): CardSafe Child Secure ConsumerInfo ConsumerInfo.com CreditCheck CreditCheck Total ECD Experian Experian Consumer Direct Experian Interactive Family Secure FreeCreditReport.com FreeCreditScore.com Get the score iPlace Know Your Score ProtectMyID.com Triple Advantage Triple Alert www.consumerinfo.com www.creditchecktotal.com www.creditchecktotal.com www.creditchecktotal.com www.experian.com www.experiandirect.com www.experian.experiandirect.com www.familysecure.com www.freecreditreport.com www.protectmyid.com www.qspace.com www.qspace.iplace.com www.triplealert.com Keywords: Company agrees that it shall not: 1. bid on any words, phrases or keywords through any search engines that are trademarks or domain names registered to ECD, any of its affiliated companies, competitors or any other company as set forth by ECD and its affiliated companies' trademarks and domain names listed in Section 1 above. Company shall not in the promotion of ECD campaigns 2. include any of the terms listed below (including, without limitation, any misspellings or variations thereof, or any similar terms) in its search terms and domain names. Such terms shall be added to Company search account or system as a "negative" match option if it participates in keyword buys, including with a "broad" or "phrase" keyword match option turned on for the promotion of ECD campaigns. Absolutely free Annual Annual credit report Annual report Annualcreditreport Annualcreditreport.com Bad credit advisor Bad credit help Boost credit Build credit Clean up Clean-up Cleanup Clean credit Consumer credit repair Correct Corrected Correcting Correction Credit counsel Credit counseling Credit counselors Credit dispute Credit dispute repair Credit help Credit improvement Credit monitoring services Credit repair Credit report repair Debt repair Disclosure Dispute Disputed Disputing FACTA FACT Act Fair and Accurate Credit Transitions Act Federal Credit Reporting Act FCRA Credit counseling Credit counselors Credit dispute Credit dispute repair Credit help Credit improvement Credit monitoring services Credit repair Credit report repair Debt repair Disclosure Dispute Disputed Disputing FACTA FACT Act Fair and Accurate Credit Transitions Act Federal Credit Reporting Act FCRA Federal Trade Commission Applied Bank Secured Credit Card Marketing Guidelines " includes Applied Bank Secured Gold Visa" Credit Card, Platinum Zero Secured Visa Credit Card, Small Business Micro Loan Visa Card 1. All affiliates must be approved by Applied Card Systems/Applied Bank prior to the placing of Advertisements. 2. Any Advertisement must conform in all respects to any content, design and functionality specifications provided by Applied Card Systems/Applied Bank to the affiliate. 3. Applied Card Systems/Applied Bank shall have sole ownership of data collected from visitors Applied Card Systems/Applied Bank's web sites; provided, however, any such data which a visitor imparts to a affiliate in any other context (such as by prior or subsequent visits to a affiliate site) shall not be exclusive to Applied Card Systems/Applied Bank. 4. Affiliate Sites will not contain any material that (i) is intentionally misleading or deceptive, or (ii) is known to be libelous, defamatory, obscene, or pornographic, intended to harass or annoy, or (iii) violates any civil or criminal laws. 5. Affiliates will ensure appropriate information security measures at least equal to the industry standard. 6. Affiliates shall not make representations regarding the Products of Applied Card Systems/Applied Bank, other than those approved or distributed by Applied Card Systems/Applied Bank. 7. Product to be promoted through the Credit.com network via banners. 8. Offer is not allowed to be promoted on Non-English pages. 9. Offer is not allowed to be incentivised. 10. Offer is allowed to be promoted on personal web pages. 11. Offer is allowed to be promoted on free hosted pages (Geocities, Xoom, Tripod, Talk City etc.) 12. Offer is not allowed to be promoted on affiliates that incorporate any trademarked terms or any variations thereof in the domain name(s) of the affiliates web site(s). 13. Offer does not allow affiliates to input data from lead sources or online capture forms. 14. Offer is not allowed to be promoted on affiliates that do not list a privacy policy. 15. Offer is allowed to be promoted on sub-affiliate network of Credit.com. 16. Offer can be promoted via email or email newsletter utilizing approved marketing materials. 17. Offer is allowed to be promoted via paid search. 18. Offer prohibits bidding on any trademarked terms or any variations thereof. 19. Affiliates agree that any changes from Applied Card Systems/Applied Bank will be made within 24 hours. Discover Consumer Cards Marketing Guidelines includes Discover More Card, Discover Motiva Card, Miles by Discover, Escape by Discover, Discover Open Road Card, Discover Student Card, Discover Student Card-Clear, Discover Student Card-Tropical Beach, Discover Student Card-Tropical Beach, Discover Student Card-Monogram Collection, Discover Student Card-Monogram Collection, Discover Mix Tape Student Card Discover(R) Card Term and Conditions By participating in the Discover(R) Card Internet marketing program (the "Program") you ("Publisher") agree with the following terms and conditions of the Program, established by Discover Financial Services, Inc. ("DFS") 1. Publisher agrees not to participate in the Program through any Website or e-mail service which is misleading, libelous, defamatory, obscene, abusive, violent, bigoted, hate-oriented, illegal, contains content targeted at children, or offers any illegal good or service, links to any Web site that does so, offers or promotes pornography, tobacco, gambling, or any illegal activity or the disparagement of any individual group on the basis of age, color, national origin, race, religion, gender, sexual orientation or physical or mental handicap, which engages in sending unsolicited commercial e-mail, or which is based outside of the United States. 2. Publisher shall not receive a higher placement than the DFS site placement within any pay-per-click vertical. Publisher is not allowed to bid more than $.25 for any DFS brand specific keywords which shall include, but are not limited to, Discover, Discover Card, Discover Financial, Discovercard, Discovercard.com, Discover Credit Card, Discover Application, Discover Card Application, Discover Platinum, Discover Miles, Discover Gas, Discover Student, Discover Gas Card, Discover Miles Card, Discover Platinum Card, Discover Student Card, Cashback Bonus, Cashback Credit Card, Apply for Discover Card, Discover 2GO, Discover Brokerage, Discover Network, It Pays More to Discover Platinum, It Pays More to Discover, It's You Behind the Card, It Really Does Pay to Discover, Novus, There's Always Something More to Discover, This is our Card, and Tribute Award. In addition, Publishers are not allowed to use "Official Site" in the listing title or description when bidding within any pay-per-click vertical on brand terminology. 3. Publisher is authorized to use DFS logos, trade names, trademarks, and service marks, solely for the purpose of promoting DFS products through the Program. Publishers may not alter, modify or change the foregoing in any way. 4. To facilitate compliance, we've outlined required actions and our enforcement policy. The purpose of this policy update is to better manage our marketing programs in an effort to invest more heavily in the affiliate channel. Your cooperation is greatly appreciated. Required actions: I. Ensure content accuracy: Ensure offer is presented accurately on your website. II. Reduce regulatory risk: Pricing/offers must include an asterisk calling the viewer's attention to the following disclaimer. * See the online Discover credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Here" button you can review the credit card terms and conditions on Discover's website. III. Comply with Discover's paid search policy Affiliates are no longer permitted to bid on branded terms on Yahoo and MSN (Bing) and must negative match all Discover branded terms on these search engines. Only white-listed affiliates are allowed to bid on Discover branded terms on Google. Any affiliate participating in paid search that is not white-listed must negative match all Discover branded terms and cannot participate in Paid Inclusion efforts. A list of Discover branded terms is listed below for your reference. All common misspellings of the following terms are to be negative matched as well. In addition to the list below, affiliates are not permitted to bid on any keywords or keyword phrases that include the DFS brand including, but not limited to, "discover card reviews" or "discover coupons", "discover", etc. Please negative match the DFS brand for all relative keyword campaigns. Discover Branded Terms: Discover
Discover Card
Discover Financial
Discovercard
Discovercard.com
Discover.com
Discover Credit Card
Discover Application
Discover Card Application
Discover More Card
Discover Open Road Card
Miles by Discover
Discover Motiva Card
Discover Business Card
Discover Business Miles Card
Discover Platinum
Discover Miles
Discover Gas
Discover Student
Discover Gas Card
Discover Miles Card
Discover Platinum Card
Discover Student Card
Cashback Bonus
Apply for Discover Card
Discover 2GO
Discover Brokerage
Discover Network
It Pays More to Discover Platinum
It Pays More to Discover
It Really Does Pay to Discover
Novus
There's Always Something More to Discover
Tribute Award
Mydiscovercard.com
Apply.discovercard.com Guidelines to be followed by white-listed affiliates: - When bidding on DFS branded keywords the max CPC bid may not exceed $0.25. - The phrase "Official Site" may not be used in any paid search ad copy headline or descriptions. - Affiliates may not use a DFS domain and/or URL (discover.com; discovercard.com) as the display domain or click-through URL within a paid search ad. - Click-through links must direct users to a Discover-focused landing page within Discover's website that only links to Discover's application. Sites are actively monitored in the search engines to identify affiliates that are out of compliance. If an affiliate is found to be violating the search policy, the following policy will be enforced as stated below. Brand Compliance Enforcement: To ensure the quality of our affiliate program, the following actions in reaction to infractions to the brand relative to offer content or paid search policy. 1st violation: Written warning from Credit.com 2nd violation: Reversal of commissions generated in the month of violation 3rd violation: Removal from DFS affiliate program Please note: - After the first violation, corrections need to be made within 48 hours. - Following the third violation, removal from the program is immediate and permanent. Public Savings Bank Open Sky Secured Visa Card Marketing Guidelines: MARKETING GUIDELINES Version: 6.2.2011 POSITIONING REQUIREMENTS The following marketing language is recommended and approved for promoting the Public Savings Bank OPEN SKY Secured Visa Credit Card: All that you need for Your Financial Success: - No Credit Check for Approval - No Checking account required - Reports to All 3 Major Credit Bureaus! - All Applications Considered - Quick and Easy Online Application - 4 Ways to Fund your Card - Accepted Everywhere you see the Visa Logo - Choose your own Credit Limit $200 - $3000 - Fast Rush Shipping - FREE 24/7 Online Account Access These additional marketing phrases are approved and available for use, depending on the current rate of the offer: - Prime plus 11% variable APR - Not an introductory rate - No checking account required - No upfront or monthly fees. Just a flat $50 annual fee - Build credit history with all three major credit bureaus - Your credit is not a factor! - We report to the three major credit bureaus: TransUnion, Equifax and Experian - Lifetime credit lines up to $5,000 - Free fraud protection against unauthorized use - No penalty APR - Build credit history - Real Visa credit card - Not a prepaid or debit card THE FOLLOWING TERMS CANNOT BE USED: - 0% APR for the first 6 months (or any term related to 0% APR or an introductory rate) - No annual fees or monthly maintenance fees (or any term related to no annual fee or monthly fee) - 25 day grace period (or any term related to an interest grace period) - "Build good credit" or any promise that this card will improve credit or credit scores - No income or employment requirements - Any term relating to "Black Card" or "Classic Card" - "Guaranteed" or "Instant" approval Green Dot Prepaid MasterCard & Visa Marketing Guidelines - includes Green Dot Gold Prepaid MasterCard, Green Dot Visa Traffic not allowed: Redirect traffic (in forms of text links, banners, and pop-ups/unders) from Pay Day Loan, Auto Loan, credit card, and Personal Loan sites (i.e. any loan site). Incentivized traffic and Contextual popup traffic. No key word bidding on any of the following terms: 1. AccountNow Prepaid Visa 2. AccountNow Vantage Debit MasterCard 3. AccountNow Vantage Debit MasterCard-ATM 4. AchieveCard MasterCard 5. Advansys Direct Access Card 6. Advansys Direct Access Prepaid Visa 7. Advansys Global Cash MasterCard 8. Advansys Global Cash Visa 9. ADVANTAGE(S) Visa Prepaid Card 10. Advent Financial MasterCard 11. Avianca Cash VISA 12. Anres Non Branded ATM 13. Anres Payroll Visa 14. Bank Freedom Advocate MC 15. Bank Freedom CRS Insurance MC 16. Bank Freedom Prepaid MasterCard 17. Bank Freedom VISA 18. Billx Prepaid MasterCard 19. BillxTeen Prepaid MasterCard 20. Blaze Mobile MasterCard 21. Card Flex General Purpose MasterCard 22. Card Flex Payroll MasterCard 23. CardMarte UniBancard MasterCard 24. Central National Bank One Central Source Visa 25. Central National Bank Slippery Rock 26. Central National Bank TIMA Visa 27. CleverCash VISA 28. Cornerstone/MannaCard 29. Direct Vision Prepaid VISA 30. Expense Tracker MC 31. First Bank and Trust Revel MasterCard 32. First DebitSM Prepaid Visa 33. First DebitSM XL Visa 34. FlexCash Visa 35. H&R Block Emerald Prepaid MasterCard 36. Infinity Financial MasterCard 37. Jackson Hewitt iPower Prepaid Visa 38. Juniper Prepaid MasterCard 39. La Red de la Gente 40. Mango MasterCard 41. Metro PCS Prepaid VISA 42. m-Via Visa Card 43. MiCash MasterCard 44. Money Solutions Prepaid MC 45. MoneySend MC 46. MoneySend MC (virtual) 47. Mosaic Card 48. Obopay Prepaid MasterCard 49. One Central Source Payroll 50. Pay O Matic Prepaid VISA 51. Paycard USA Payroll MC 52. PayChek Plus Card 53. PayChek Plus Elite Visa 54. PayChek Plus Visa 55. PaySpark USA 56. Pr1macard Elite MasterCard 57. Pr1macard MasterCard 58. READYDebit Card 59. Score My Bills Prepaid MC 60. Secure Cash Debit Card 61. SiGoSM Money MasterCard 62. SilverCard Prepaid MasterCard 63. Simply Debit Card 64. SizzleMoney PIN Prepaid MC 65. SizzleMoney Prepaid MC 66. Spend One VISA 67. SureOne MasterCard Card 68. SwipePay Mobile Prepaid MasterCard 69. TAL MC Card 70. TAL PIN Card 71. The Home Depot MasterCard Prepaid Cards 72. TIMA 73. Truth MasterCard Card 74. TurboTax 75. UPside Visa 76. Urban Outfitters Payroll Card 77. Velocity Money Prepaid MasterCard 78. Vision Select Prepaid VISA 79. Vision Premier Prepaid VISA 80. Walmart 81. Walmart MoneyCardSM 82. Visa Card Walmart Prepaid Visa Card 83. Warped Tour Discover Card 84. WorldStrides Teen Prepaid MC 85. Meijer 86. Kmart 87. 7-11 88. NASCAR READYdebit Marketing Guidelines includes READYdebit Prepaid Visa Card, READYdebit Platinum Visa Prepaid Card 1. No Incentivized traffic of any kind 2. No job offer/work from home association 3. No payday loan traffic (entire flow is prohibited) 4. Cannot be offered in connection with any type of loan product 5. No use of any READYdebit trademark terms for SEM, PPC and other search marketing activities 6. Only Ready Financial approved creatives may be used to promote Ready Financial products including, but not limited to, banners, emails, bullets, text, content, etc. Upside Prepaid Card Marketing Guidelines: Partner must ensure that all Marketing Materials, including Marketing Materials disseminated through social networking channels, comply with the guidelines set forth herein. For purposes of this Guidance: - "Marketing Material" shall mean all media of any kind or nature, including without limitation, email solicitation messages, published advertising (such as newspaper and magazine advertisements), Internet media, card art, card carriers, card displays, Facebook/MySpace posts, blogs, tweets, texts, banner ads, RSS feeds, telemarketing scripts, television or radio advertisements, brochures, postcards, direct mailings, signage, frequently asked questions, interview or public speaking scripts and talking points, sales materials, and press releases intended for public dissemination or to promote, advertise and/or market a prepaid card program and or any feature or product offered in connection with the prepaid card program. - "Marketing Channel" shall mean all marketing methods intended to generate requests for a product by targeting a population using specific advertising mediums, such as Internet marketing, blogging, tweeting, e-mailing, texting, direct mail marketing, telemarketing, radio or television commercial airtime, print advertising, billboard advertising, or other recognized methods of selling goods or services or acquiring sales leads. Partner should refrain from: 1. Use of credit building messaging in connection with prepaid cards, absent demonstrable evidence acceptable to Meta showing that the marketed service can actually improve consumer FICO scores. 2. Use of claims such as "Better than a Credit Card" or similar messaging unless sufficient support can be provided for such claims. Such support must appear prominently next to or immediately following the claim. 3. Use of claims such as "Better than a Checking Account" or similar messaging unless sufficient support can be provided for such claims. Such support must appear prominently next to or immediately following the claim. 4. Use of claims such as "Better than a Bank Account", "You Don't Need a Bank Account" or similar messaging implying that a prepaid card account is not a bank account or claims stating that prepaid cards are "bank accounts", "deposit accounts" or "demand deposit accounts". Although distinguishable from a checking account, for example, a prepaid card account is technically a type of bank account because cardholder funds are deposited and segregated in an FDIC-insured pseudo account established at Meta for the benefit of the cardholder. On the other hand, we are not in the position today to start marketing prepaid card accounts as "bank accounts", "deposit accounts" or "demand deposit accounts" because this may trigger certain Regulation E requirements, operational changes in how these accounts are held (currently in a pooled account) and potentially deposit-taking issues. The best approach seems to be to remain silent on this issue for the time being. 5. Use of claims such as "Better than Cash", "Cash Alternative" or similar messaging that could lead consumers to believe $X in cash equals $X on a prepaid card (not acceptable due to fees assessed for cards). Claims such as "Safer than Carrying Cash" or similar messaging are acceptable if the point is to convey that funds on the prepaid card are FDIC insured and protected against loss, assuming this is true for the applicable card and Partner provides support for such claim prominently next to or immediately following the claim. Similarly, claims such as "More Convenient than Cash" or similar messaging are acceptable if the point is to convey that prepaid cards allow consumers to make online purchases, pay bills, etc.; provided, however, that Partner must provide support for such claim prominently next to or immediately following the claim. 6. Use of the claim "Better than Overdraft Protection", "Avoid Hefty Overdraft Fees" or similar messaging stating that a prepaid card allows cardholders to avoid overdraft fees given the changes in overdraft regulations that now allow consumers to avoid most overdraft fees. 7. Use of claims stating or inferring that prepaid cards are cheap, low cost or less than checking accounts or other prepaid card products, unless Partner can cite to a credible source or example demonstrating that this is factually true when compared to checking accounts or other prepaid card products. 8. Use of claims stating that prepaid card fees are "low" or similar messaging, unless this is factually true in comparison to checking accounts or other prepaid card products. 9. Comparisons claiming Partner's cards or services are cheaper than a competitor's cards or services, unless Partner discloses all fees and relevant facts associated with each program in equal prominence to allow the consumer to make an informed decision based on all facts. 10. Prominently promoting certain product features, transactions, or services as "free" or "low cost" without also disclosing in equal prominence the aspects of the product are not free or low cost, or any conditions required to obtain such free or low cost features, transactions or services. 11. Describing the prepaid card account (including prepaid savings account) itself as "free", "no cost", "no fee" (or using words of similar meaning) if a monthly, annual or other type of regular service or transaction fee is imposed, if consumers will be assessed fees to deposit, withdraw or transfer funds, if a minimum balance must be maintained or if a fee is imposed when a consumer exceeds a specified number of transactions. 12. Use of claims like "guaranteed", "pre-approved", "automatic approval" or similar messaging unless limitations are clearly and prominently disclosed in close proximity to the claim (e.g. US Patriot Act disclaimer required for these types of claims in connection with prepaid card approval). 13. Use of images in Marketing Materials that appear to over promise more than the product can deliver (e.g. images of expensive looking cars, houses or wads of money, when load limits are limited and images would not be representative of the spending ability of most cardholders). 14. Use of fine print, separate statements or inconspicuous disclosures/disclaimers where headline claims would be materially misleading absent such disclosures/disclaimers. In such case, disclosures/disclaimers should be in close proximity to the claims and should be conspicuous. 15. Failing to clearly and accurately describe the product (or any stated comparisons to the product) in a manner that may mislead or deceive the consumer. 16. Advertising products or services that will not actually be available to consumers during the time the Marketing Material is used in commerce. 17. Marketing specific terms intended to generate requests for the product when those terms will not actually be offered to most consumers (meaning the majority of consumers) in the targeted audience. 18. Marketing fees and terms that are inconsistent with the product terms and conditions. 19. Use of bait and switch techniques (e.g. offering to provide a service or product that is not actually available or very difficult to obtain in order to entice consumers to purchase a prepaid product, selling a product unfit for the purposes for which it is sold, or failing to provide the services offered or promoted). 20. Indicating that the prepaid card account can be used as a checking account or that the prepaid card is like a checking account, or can be used with checks, unless Partner complies with all regulatory guidance applicable to checking accounts and checks or can demonstrate to Meta's reasonable satisfaction why Partner need not comply. 21. Indicating that the prepaid card account can be used as a savings account or a method of savings or that the prepaid card is like a savings account, unless the account actually has an interest bearing savings component and complies with all regulatory guidance applicable to savings accounts. 22. Failing to draw attention to key product terms, including limitations and conditions that are important to enable consumer to make informed decision about whether product or service meets the consumer's needs (for example, failing to clearly explain that the product is a prepaid card product and not a credit card product, if the Partner has reason to believe that the consumer is searching for a credit card product). 23. Marketing services or benefits when the conditions imposed to receive marketed services or benefits are so burdensome or difficult to meet that the advertised service or benefit is illusory.

PPC Terms

See specific terms for each program.