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American Dreamcard

Edith Grier
December, 2004
Augusta, GA

NURSE CLAIMS DECEMBER’S $25,000 AMERICAN DREAMCARD™ SWEEPSTAKES JACKPOT

Edith Grier of Augusta, Georgia wins December’s Cash Prize

Augusta, Georgia – January 25, 2005 – The American DreamCard™ Sweepstakes’ December winner of the monthly cash jackpot was Edith Grier, an LPN at the Georgia War Veteran’s Nursing Home.

When Grier was notified of winning $25,000 she said her reaction was “Excited. Real Excited!” She is a resident of Augusta, a community of almost 500,000 located in east central Georgia. Augusta is internationally recognized as the home of the Master’s golf tournament, which is held every April at the Augusta National Golf Club.

Grier, a cardholder since November, said her plans now are to pay bills and set aside money for a summer vacation.

Direct Merchants Credit Card Bank, N.A., a subsidiary of Metris Companies Inc. (NYSE:MXT), recently launched the new Platinum MasterCard called the American DreamCard. What makes this card so different is that the American DreamCard MasterCard Card program includes a sweepstakes that gives cardholders an opportunity to win a monthly cash jackpot every time they spend $1.00 on everyday purchases.*

The American DreamCard is not a lottery; it is a MasterCard, so there is no need to stand in line, buy tickets or pick numbers. Cardholders simply use the card for everyday purchases and get an entry for every net $1.00 spent on the American DreamCard (up to 1,000 entries per purchase)*. The monthly jackpot may grow with the amount of money spent on the American DreamCard by all American DreamCard cardholders. Credit applications are being taken at www.americandreamcard.com, and applicants receive 1,000 entries just for completing an application. The credit card has no annual fee and a competitive annual percentage rate.

*No purchase necessary. Sweepstakes open to U.S. residents, 18 years or older. Current Sweepstakes ends 9/30/05. The Sweepstakes may be run again after the conclusion of this Sweepstakes at the Sponsor's sole discretion. American DreamCard Official Sweepstakes Rules, including details, limitations and alternate methods of entry are available at www.americandreamcard.com.

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The American DreamCard™ MasterCard® is issued by HSBC Bank Nevada, N.A.. Its affiliates, HSBC Card Services Inc. and/or HSBC Card Services (II), Inc., provide administrative and processing services for the credit card. American DreamCard, LLC owns and uses U.S. Patent No. 7,320,428 for the reward and loyalty component of the American DreamCard. American DreamCard, LLC is committed to managing and enforcing its patent rights.

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