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*The $100 more a year savings figure is based on Upromise internal reporting data for 2007 and 2008 comparing the average Upromise savings for members who joined Upromise prior to such year and used the Upromise credit card at least once during the year with the averagae Upromise savings for members who joined Upromise prior to such year and have not opened a Upromise credit card account.