Personal Credit Card

• Boost your purchasing power
• Below average rates
• Multiple card options
• Online account viewing - www.mycardstatement.com
• Low annual fee
• Approved locally for fast results

To protect you and your card and avoid unauthorized use, remember these safety tips:

• Please sign your card upon receipt.
• Destroy your old card when it expires or when your new card becomes effective.
• Memorize your PIN. DO NOT write it on the back of your card or keep it with you.
• Never give out your PIN to anyone.
• Remember to pick up your ATM receipts before leaving the ATM.
• Safeguard your account number.
• Always obtain merchant receipts and destroy carbons.

To report a lost or stolen Mastercard^® or Visa^® credit card, please call (727) 570-4881. You may call these numbers 24 hours a day, 7 days a week.

We are able to offer credit cards with lower rates because we only issue cards to low-risk individuals rather than everyone who asks for the card. With other banks, you pay higher fees and interest to make up for these risky decisions.

If you can answer "yes" to the following questions, you probably qualify for a First Bank Credit Card.

• Are you a Florida resident in Hendry, Glades, Palm Beach, or Lee counties?
• Have you been employed by your present employer nine months? If not, were you employed by your previous employer for at least one year and have been in the same profession for four years?
• Have you resided in your current home for one year? If not, have you resided in your current home for six months and in the same city for the last twelve months?
• Are your monthly scheduled payments (such as mortgages, loans, rent, credit cards, alimony, child support, etc.) less than 39% of your gross monthly pay?
• Does your credit report reflect a current history showing at least three current or previous creditors?
• Would your credit report show no more than one 30-day delinquency for each creditor?
• Will your credit report show that you have not experienced any charged-off loans, bankruptcies, repossessions, or foreclosures?

If you think you qualify after answering the above questions, email us with a request for an application.

Payments

• You can call Customer Service at (800) 423-7503 to make a payment.
• You can make payments online at www.MyCardStatement.com
• You can mail payments to:

For Mastercard Credit Cards - Please mail your payments to:

Mastercard

PO Box 4521

Carol Stream, IL 60197-4521

For VISA Credit Cards – Please Mail your payment to:

VISA

PO Box 4521

Carol Stream, IL 60197-4521