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Janine Deacon
March, 2005
Mesa, AZ

DIRECT MERCHANTS BANK® ANNOUNCES AMERICAN DREAMCARD™ SWEEPSTAKES WINNER

Janine Deacon of Mesa, Arizona wins $25,000 Cash Prize

Mesa, Arizona - May 25, 2005 - The American DreamCard™ MasterCard® Sweepstakes winner for the month of March was Janine Deacon, a seven-year employee of Banner Health, one of the largest not-for-profit health care systems in the country.

Deacon, a cardholder since January, recalls her reaction when being told she had won the $25,000 monthly jackpot. "I didn't believe it was legit;" she says. "I'm still in disbelief!" Now that she has won the $25,000 prize, she said her plans are to pay off some debt and go on a much-needed vacation.

The American DreamCard Platinum MasterCard has awarded $125,000 to date. The card received an award of its own last year when it was recognized as one of the most innovative new credit cards for 2004 by CardWeb.com®, Inc., a leading payment and credit card industry publisher renowned for its independence, credibility and fairness.

Direct Merchants Credit Card Bank, N.A., a subsidiary of Metris Companies Inc. (NYSE:MXT), launched the American DreamCard Platinum MasterCard in the Fall of 2004. What makes this card so different is that it is a credit card program which includes a sweepstakes that gives cardholders an opportunity to win a monthly cash jackpot for every $1.00 they spend on everyday purchases, up to 1,000 entries per purchase.*

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 sweepstakes 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 US residents, 18 years or older. Void where prohibited. Current Sweepstakes ends and entries expire 9/30/05. New sweepstakes starts 10/1/05 and ends 9/30/06. Visit www.americandreamcard.com for Official Sweepstakes Rules, including details, limitation and alternate methods of entry.

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