So it's the packaging that differentiates Retail and Lite. The Ultimate is the "silent" version of the above cards; i.e., heatsink and no fan. There are Lite and Retail versions of the Ultimate cards as well.Full retail indicates that the package contains the entire bundle including the Game software bundle and utilities. The Lite retail versions do not come bundled with the software bundle and are packaged with the neccessities needed to enjoy the pinnacle in performance from Sapphire alone.