First Bank of the Palm Beaches

Business Advantage Mastercard

Fee and Rate Information
Annual Percentage Rate (includes purchases, cash advances and balance transfers)	16.15%
Variable Rate Information***	Your Annual Percentage Rate (APR) may vary. The rate is determined by adding a margin of 7.9% to the Prime Rate as published in the Wall Street Journal on the third Thursday of each month.
Grace Period for Repayment of Balances for Purchases	25 Days on purchases only. No grace period on cash advances.
Annual Fee	$30 for up to 3 cards, $10 each additional card
Method for Computing the Balance for Purchases	Average Daily Balance (including new purchases and cash advances)
Additional Fees	Late Payment Fee: $19 if balance is $100 or less; $29 for balances between $100.01 and $1000; $39 on balances over $1000 Over Credit Limit Fee: $29.00 Cash Advance Fee: 3% or $5.00 minimum. Returned Check, ACH or Autopay Fee: $29.00

The terms and conditions described above are accurate as of 10/23/06. This information may change after that date. To find out what may have changed, call us at (770) 805-2174 or (800) 854-7642. Written inquiries should be sent to BankCard Center, P.O. Box 674824, Marietta, GA 30006-0005

Business Advantage Visa

Fee and Rate Information
Annual Percentage Rate (includes purchases, cash advances and balance transfers)	14.15%
Variable Rate Information***	Your Annual Percentage Rate (APR) may vary. The rate is determined by adding a margin of 5.9% to the Prime Rate as published in the Wall Street Journal on the third Thursday of each month.
Grace Period for Repayment of Balances for Purchases	25 Days on purchases only with rewards option. No Grace Period with no rewards option.
Annual Fee	$29 per card with rewards option None with no rewards option
Method for Computing the Balance for Purchases	Average Daily Balance (including new purchases and cash advances)
Additional Fees	Late Payment Fee: $19 if balance is $100 or less; $29 for balances between $100.01 and $1000; $39 on balances over $1000 Over Credit Limit Fee: $29.00 Cash Advance Fee: 3% or $5.00 minimum. Returned Check, ACH or Autopay Fee: $29.00

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