Wallet #1: Consumer's wallet contains two credit cards and one ATM/Debit Card. Plastic cards in the wallet would cost a total of $375.45 for the year based on the following usage profile: Credit Card One:

*Balance – $1000 *APR – 13% *Payments – minimum monthly payments *Total interest paid over the course of one year – $120.3246 Credit Card Two: *Balance – $1000 *APR – 18% *Payments – minimum monthly payments *Total Interest paid over the course of one year – $170.4147 ATM/Debit Card: *ATM Fees – $67.92 per year (based on consumer making on average two foreign ATM transactions per month over the course of the year).48 *Debit Card Fees – $16.80 per year (based on consumer making on average two PIN-based POS transactions per month over the course of the year).49 Total Cost for One Year for Fees and Interest for Plastic Cards in Wallet # 1: $375.45 Wallet #2: Consumer's wallet contains one pre-paid card and three gift cards. Plastic cards in the wallet would cost a total of $318.18 for the year based on the following usage profile: Pre-Paid Card: *Activation Fee – $50.12 per year *Participation Fee – $69.70 per year *POS Transaction Fees – $20.64 per year (based on consumer making on average two PIN-based POS transactions per month over the course of the year). *ATM Transaction Fees – $76.56 (based on consumer making on average two ATM withdrawals per month over the course of the year). *Load Fee – $34.56 per year (based on consumer adding money onto their card on average two times per month over the course of the year). *Total Fees for One Year for Pre-Paid Card – $251.5850 Gift Card One: *51 Expiration Fee – $15 Gift Card Two: *Service Fees – $15 (based on paying a monthly service fee of $2.50 for 6 months out of the year) Gift Card Three: *ATM Transaction Fees – $36.60 per year (based on consumer making on average one ATM withdrawal with their gift card per month over the course of a year) Total Cost for One Year for Fees for Plastic Cards in Wallet #2: $318.18