First Florida Bank : Credit Cards

Credit Cards

Credit Cards	Annual Percentage Rate	Key Features
PERSONAL 'PLATINUM' VISA	9.25% up to 12.25% (PRIME RATE + MARGIN based on credit history) Fixed rate and may adjust at Anniversary date	Same interest rate (Annual Percentage Rate) for Card; Cash Advances & Balance Transfers Online access anytime with FREE online bill pay Accepted Worldwide 100% Fraud Liability Protection Annual fee of $29.95
PERSONAL 'SECURED' CLASSIC VISA	11.25% (PRIME RATE + 8%) Fixed rate and may adjust at Anniversary date	Same interest rate (Annual Percentage Rate) for Card; Cash Advances & Balance Transfers Online access anytime with FREE online bill pay Accepted Worldwide 100% Fraud Liability Protection Secured by Time Deposit Annual Fee of $29.95

How to Avoid Paying Interest of Purchases:	Your due date is at least 23 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge:	If you are charged interest, the charge will be no less than $1.50.
For Credit Card Tips from the Federal Reserve Board:	To Learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard

Transaction Fees: * Balance Transfer * Cash Advance * Foreign Transaction	$5.00 None 3.0% of each transaction in U.S dollars
Penalty Fees: * Late Payment * Over-the-Credit-Line * Returned Payment	Up to $25.00 Up to $25.00 Up to $25.00
Other Fees:	Temporary Credit Increase $25.00. Replacement Card $10.00. Additional Card Fee $5.00.
How We Will Calculate Your Balance:	We use a method called "Daily balance (including new purchases)". An Explanation of this method is provided in our account agreement. Billing Rights Information on your rights to disput transactions and how to exercise those rights is provided in your account agreement.