First Bank of the Palm Beaches

Prime Advantage Disclosures

Fee and Rate Information
Annual Percentage Rate (includes purchases, cash advances and balance transfers)	14.15%
Variable Rate Information***	Your Annual Percentage Rate may vary.*
Grace Period for Repayment of Balances for Purchases	25 days. No grace period on cash advances.
Annual Fee	None
Method for Computing the Balance for Purchases	Average Daily Balance (including new purchases)
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 (includes convenience checks) Returned Check, ACH or Autopay Fee: $29.00

*The APR 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. The information abou the cost of the card described in this application is accurate as of 10/23/06. This information may change after that date. To find out what may have changed, call us at (800) 854-7642 or write BankCard Center, P.O. Box 674824, Marietta, GA 30006-0005

Platinum Advantage Disclosures

Fee and Rate Information
Annual Percentage Rate (includes purchases, cash advances and balance transfers)	13.15%
Variable Rate Information***	Your Annual Percentage Rate may vary.*
Grace Period for Repayment of Balances for Purchases	25 days, on average. No grace period on cash advances.
Annual Fee	$34.00 (Platinum Reward Option) / None (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 (includes convenience checks) Returned Check, ACH or Autopay Fee: $29.00

*The APR is determined by adding a margin of 4.9% to the Prime Rate as published in The Wall Street Journal on the third Thursday of each month. The information about the cost of the card described in this application is accurate as of 10/23/06. This information may change after that date. To find out what may have changed, call us at (800) 854-7642 or write BankCard Center, P.O. Box 674824, Marietta, GA 30006-0005

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