What is the correct If Then Else formula to use in this situation?

Column A           Column B.      Visa.      MasterCard
5429********6324.    12.75
4728********7632.    75.16

Column A and B represent the format in which I receive downloaded credit card payment info from the payment processor.

Column A is the beginning and end if the customer's credit card number with the numbers in between represented by *'s.

MasterCard credit card numbers begin with 5.

Visa credit card numbers begin with 4.

I need a formula that will take the value of Column B and place it in the appropriate Column C or D depending on which type of credit card it is. The asterisks seem to be the problem and I don't know how yo get around it. Is there a formula something like =IFA1 starts with 5, B1,0 and so on?

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