They start out wanting $1.95 processing fee for their $100 WalMart 'gift'. When I pressed the girl about paying for a 'gift', she explained that the post card never said FREE. She claimed to be working in Florida, but had a eastern European accent. When I accused her of working a scam wanting money for a 'gift', she hung up. She had mentioned earlier about other money saving programs, but since she hung up over the $1.95 processing fee, I don't know what else she was selling.