CREDIT CARD AGREEMENT  
                               UNION FIRST MARKET BANK  
                           Rates are Effective as of March 22, 2010 
                                                                                                                     
     Interest Rate and Interest Charges             Visa�                 Visa� Gold             Visa� Platinum            MasterCard� 
      
     Annual Percentage Rate         15.99%              11.99%               8.99%               18.99% 
     (APR) for Purchases           Variable-Rate                   Variable-Rate                   Variable-Rate                  Variable-Rate 
                              determined by adding      determined by adding      determined by adding       determined by adding 
                                12.74% to the  8.74% to the         5.74%  to the           15 .74% to the 
                                     Prime Rate*                     Prime Rate*                      Prime Rate*                      Prime Rate*            
     APR for Balance Transfers       15.99%              11.99%               8.99%               18.99% 
                                   Variable-Rate                   Variable-Rate                   Variable-Rate                    Variable-Rate 
                              determined by adding      determined by adding      determined by adding      determined by adding 
                                12.74% to the   8.74% to the          5.74%  to the           15 .74% to the 
                                     Prime Rate*                     Prime Rate*                      Prime Rate*                      Prime Rate*           
     APR for Cash Advances         15.99%           11.99%                8.99%               18.99% 
                                     Variable-Rate                 Variable-Rate                   Variable-Rate                    Variable-Rate 
                               determined by adding     determined by adding      determined by adding      determined by adding 
                                 12.74% to the       8.74% to the          5.74%  to the           15 .74% to the 
                                        Prime Rate*                  Prime Rate*                      Prime Rate*                      Prime Rate*           
     Penalty APR and        24.99% The Penalty APR may be applied to the account if the minimum 
     When It Applies        monthly payment is not made within 60 days of the payment due date. In 
                            that instance, we can amend the credit card agreement to increase the 
                            APRs for all existing balances and future transactions. The Penalty APR 
                            will cease to apply if we receive 6 consecutive required minimum 
                            monthly payments on or before the payment due date.  
                            This APR may be applied to your account if you: 
                              1)  Make a late payment; 
                              2)  Go over your credit limit; 
                              3)  Make a payment that is returned; or 
                              4)  Do any of the above on another account that you have with us. 
                            How Long Will the Penalty APR Apply?  If your APRs are increased 
                            for any of these reasons, the Penalty APR will apply until you make six 
                            consecutive minimum payments when due.  
     How to Avoid Paying    Your due date is at least 25 days after the close of each billing cycle.  
     Interest on Purchases  We will not charge you interest on purchases if you pay your entire 
                            balance by the due date (Grace Period) each month.  
    Minimum Interest Charge  If you are charged interest, the charge will be no less than $0.00.  
    For Credit Card Tips from       To learn more about factors to consider when applying for or using a 
     the Consumer Financial  credit card,visit the website of the Consumer Financial Protection Bureau 
     Protection Bureau      at http://www.consumerfinance.gov/learnmore
                             
           
           
           
               
     Fees                                                           Visa�                  Visa� Gold            Visa� Platinum       MasterCard� 
                             
     Annual Fee                     N/A                     N/A                       N/A                      N/A 
     Transaction Fees:       
       �  Balance Transfer  $0.00 
       �  Cash Advance      Either $5.00 or 2.0% of the amount advance, whichever is greater. 
       �  Foreign Transaction  1.0% of each transaction in U. S. Dollars  
                             
     Penalty Fees:           
       �  Late Payment      Up to $25.00 
       �  Over-the-Credit-Limit   N/A 
       �  Returned Payment         Up to $25.00 
      
     Other Fees              
       �  Pay-By-Phone with  $10.00 
          Live Representative   
       �  Pay-By-Phone with   No Charge 
          Automated Service     
      
                                                                               th
    *The Prime Rate used to determine your APR is the rate published in the Wall Street Journal on the 5  
    day of the prior month. 
          �  Loss of Introductory APR:  We may end your introductory APR and apply the Penalty 
            APR if you make a late payment. 
          �  How We Will Calculate Your Balance:  We use a method called �average daily 
            balance� (including new purchases). An explanation of this method is provided under the 
            Calculation of Interest Charges section on page four of this agreement.  
          �  Billing Rights:  Information on your rights to dispute transactions and how to exercise 
            those rights is provided along with this agreement 
          �  Privacy Notice:  A copy of the Bank�s Privacy Policy is also included with this 
            agreement. 
           
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
           
                       DISCLOSURES REQUIRED BY FEDERAL LAW 
                                            
           
          ANNUAL PERCENTAGE RATES (APR) 
           
          The Standard APR used to compute your interest charges are listed in the Interest Rate 
          and Interest Charges table on the first page of the Credit Card Agreement by card type. 
          We reserve the right to amend these APRs.  Pursuant to federal law, your Standard APR 
          on existing balances may be raised if you do not make your minimum monthly payment 
           within 60 days of the payment due date.  In that instance, we can amend your Credit 
           Card Agreement to raise your Standard APR to the Penalty APR for all existing balances 
           and future transactions. 
            
           We can also increase your Standard APR for future transactions even if you are not 60 
           days late in making a payment. However, we will always provide you with 45 days 
           advanced notice prior to any significant changes in the terms of your account, including 
           interest rate or fees. 
            
           Your Standard APR will not increase for the first year the account is open, unless: 
            
                1.  You are more than 60 days late with your payment. 
                2.  Your APR is variable and changes when the Prime Rate changes. 
                3.  You are in a workout agreement and you haven�t made your payments as 
                  agreed. 
                4.  You have an introductory APR that will be in place for at least 6 months. After 
                  that, your APR will revert to the Standard APR we disclosed on your Credit 
                  Card Agreement when you received the card.  
                 
           If your Standard APR is increased after the first year, for any reason other than being 
           late with your minimum monthly payment, the new APR will apply only to future 
           transactions.  If you have an existing balance, your old Standard APR will continue to 
           apply to that balance. 
            
           STANDARD VARIABLE RATE INFORMATION 
            
           Your Standard APR may vary.  For purchases, balance transfers, and cash advances 
           made Over the Counter, at an Automated Teller Machine (ATM), or by Convenience 
           Check, your Standard APR is determined by adding together an index and a margin.  
                                                                   th
           This index is the Prime Rate as published in the Wall Street Journal on the 5  day of the 
          prior month. 
            
          Please see the Interest Rate and Interest Charges table on the first page of the Credit 
          Card Agreement for the amount of margin on purchases, balance transfers, and cash 
          advances and corresponding APRs as applicable to your account. 
            
          Any increase or decrease in the index will cause an increase or decrease in your 
          variable rates on the first day of your billing cycle after the index is published.  An 
          increase in the index means that you will pay higher interest charges and have a higher 
          Total Minimum Payment Due.   
           
          GRACE PERIOD 
           
          Your due date is at least 25 days after the close of each billing cycle.  We will not 
          charge you any interest on purchases if you pay your entire balance by the due date 
          each month.  We will begin charging interest on cash advances and balance transfers 
          on the transaction date or the first day of the billing cycle in which it is posted to your 
          account, whichever is later. 
           
          CALCULATION OF INTEREST CHARGES  
           
          Purchases:  We will not charge you interest on purchases if you pay your entire New 
          Balance (shown on monthly statement) on or before the Payment Due Date (Grace 
          Period) each month.  The interest charges for a billing cycle are computed by applying 
           the monthly Periodic Rate of 1.333% for the Visa�, 0.999% for the Visa� Gold, 0.749% 
          for the Visa� Platinum, and 1.583% for the MasterCard� to the �average daily balance� 
          of purchases.  To calculate the average daily balance, take the beginning balance of 
           your account each day, add any new purchases, and subtract any payments, credits, 
           non-accruing fees, and unpaid interest charges.  This gives us the daily balance.  Then 
           we add up all the daily balances for the billing cycle and divide the total by the number 
           of days in the billing cycle.  
            
           Balance Transfers and Cash Advances:  We will begin charging interest on balance 
          transfers and cash advances made Over the Counter, at an Automated Teller Machine 
           (ATM), or by Convenience Check on the transaction date or the first day of the billing 
          cycle in which it is posted to your account, whichever is later.  There is no grace 
           period.  The interest charges for a billing cycle are computed by applying the monthly 
           Periodic Rate of 1.333% for the Visa�, 0.999% for the Visa� Gold, 0.749% for the Visa� 
          Platinum, and 1.583% for the MasterCard� to the �average daily balance� of your 
          account.  To calculate the average daily balance, take the beginning balance of your 
          account each day, add any new cash advances, and subtract any payments, credits, 
          non-accruing fees, and unpaid interest charges.  This gives us the daily balance.  Then 
          we add up all the daily balances for the billing cycle and divide the total by the number 
          of days in the billing cycle. 
           
          BILLING CYCLE AND STATEMENTS 
           
          Our billing cycle ends each month on a closing date determined by us.  Each billing 
          cycle begins on the day after your closing date.  Each monthly statement reflects a 
          single billing cycle.  Each billing cycle that you have a balance, you will receive a 
          statement showing your New Balance.  Your statement also shows the total minimum 
          payment due, and the due date for your payment. 
           
           
           
           
          MINIMUM PAYMENT 
            
           The minimum payment required is the Total Minimum Payment Due  
          shown on your statement. 
           
          If the New Balance on your statement is equal to or less than $25.00, your Total Minimum 
          Payment Due is the New Balance amount. 
            
           If the New Balance exceeds $25.00 the Total Minimum Payment Due is based on the 
          following card type: 
           
             �  Visa� Platinum & Visa� Gold: 2.50% of that portion of the New Balance which does 
                not exceed your credit limit (rounded up to the nearest dollar), or $50.00, whichever 
                is greater, plus the entire portion of the New Balance in excess of your credit limit, 
                plus any amount past due. 
              
             �  Visa� and MasterCard�: 4.00% of that portion of the New Balance which does not 
               exceed your credit limit (rounded up to the nearest dollar), or $25.00, whichever is 
               greater, plus the entire portion of the New Balance in excess of your credit limit plus 
               any amount past due. 
           
          If your account has balances with different APRs, the amount of your payment equal to 
          the Total Minimum Payment Due is applied to the balance with the lowest APR before 
          any payments are applied to balances with higher APRs.  Any amount of your payment 
           that is greater than the Total Minimum Payment due is applied to the balances with the 
           highest APR before being applied to balances with lower APRs. 
            
           
           
           
           
           
           
           
           
           
           
                                            
                                            
                                            
                                            
                                            
               
             
                       TERMS GOVERNING THE USE OF YOUR CARD 
            
           The person ("Cardholder") whose name is embossed on the face of the VISA� or MasterCard� ("Card") 
           enclosed herewith, and each Cardholder, in the event more than one Card is enclosed herewith bearing 
           the same account number, by signing or using said Card, receipt of which is acknowledged, agrees with 
           the Issuer of the Card whose name is Union First Market Bank ("Issuer") as follows:  
             
           A.  Goods and services ("Credit Purchases") may be purchased or leased by means of such card by 
             Cardholder from any retail business establishment ("Seller") who honors same upon the execution of 
             a sales slip evidencing such Credit Purchase and bearing the account number of Cardholder 
             embossed on the face of such Card. Additionally, VISA� or MasterCard� Cash Advances ("Loans") 
             may be obtained through use of such Card (a) upon execution of a written request of Cardholder in a 
             form furnished to Cardholder from any financial institution that is a member, alone or in association 
             with others, of VISA� U.S.A. Inc. or MasterCard� International Inc., and (b) upon execution of a 
             written separate agreement with Issuer for a VISA� or MasterCard� overdraft financing agreement if 
             offered by Issuer.  
             
           B.  Cardholder shall be liable and agrees to pay Issuer for Credit Purchases made by, or for Loans 
             extended to, Cardholder or anyone else using such Card unless the use of such Card is by a person 
             other than the Cardholder (a) who does not have actual, implied or apparent authority for such use, 
             and (b) from which Cardholder receives no benefit. Additionally, Cardholder shall be jointly and 
             severally liable and agrees to pay for all Credit Purchases and Loans obtained through the use of any 
             other Card bearing Cardholder's account number that has been issued to another person by reason 
             of such person being a member of Cardholder's family, or otherwise issued upon Cardholder's 
             request (all such Cards bearing the VISA� or MasterCard� account number hereinafter collectively 
             called ("Related Cards").  
             
           C.  Each Card is the property of Issuer, is not transferable, and must be surrendered upon demand. It 
             can be canceled as well as repossessed by Issuer or its designee, and the privileges thereof revoked, 
             at any time without prior notice.  
             
           D.  Cardholder shall not use the Card or permit the use of Related Cards to obtain Credit Purchases or 
             Loans, which will increase Cardholder's indebtedness to Issuer to an amount in excess of the limit 
             established by Issuer.  
            
           E.  All Credit Purchases and Loans are affected at the option of the Seller and Cash Advancing Financial 
             Institution respectively, and Issuer shall not be responsible for refusal by any Seller or Cash 
             Advancing Financial Institution to honor the Card or any Related Card.  Any refund, adjustment or 
             credit allowed by Seller shall not be by cash but rather by a credit advice to Issuer which shall be 
             shown as a credit on Cardholder's account statement with Issuer.  
            
           F.  Issuer will send to Cardholder, at monthly intervals determined by Issuer, a statement reflecting for 
             the prior monthly period all VISA� & MasterCard� Card and Related Card transactions.  Such 
             statement shall be deemed correct and accepted by Cardholder and all holders of Related Card 
             unless Issuer is notified to the contrary in writing within 60 days of mailing of such statement.  
             Cardholder will pay such statement by remitting to Issuer within 25 days of the closing date reflected 
             on the statement either the full amount billed or, at Cardholder's option, an installment equal to at 
             least the required minimum payment stated under the Minimum Payment section of the Credit Card 
             Agreement.  
             
           G.  Interest on Loans and Credit Purchases will be charged in accordance with the interest charge 
             calculation method referred to under the Calculation of Interest Charges section of the Credit Card 
             Agreement.  The rate of interest shall be established by Issuer from time to time, but shall never 
             exceed the maximum rate permitted by law. The current interest rate per annum is the Standard 
             Annual Percentage Rate set forth in the boxes on page one that gives the Annual Percentage Rate 
             (APR) for Purchases, Balance Transfers, and Cash Advances.    
          H.  If the Card is canceled or surrender is demanded by Issuer, or if Cardholder defaults in any payment 
             due, or is deceased, bankrupt or insolvent, or any attachment or garnishment proceedings are 
             initiated against Cardholder or his property, Issuer may elect to declare all amounts then owed to 
             Issuer to be immediately due and payable without notice or demand of any kind. If Cardholder has 
             other loans from Issuer, or takes out other loans with Issuer in the future, collateral securing those 
             loans will also secure the Cardholder's obligations under this agreement. However, unless the 
             Cardholder expressly agrees otherwise, the Cardholder's household goods and dwelling will not 
             secure Cardholder�s obligations under this agreement even if Issuer has or later acquires a security 
             interest in the household goods or a mortgage on the dwelling. Cardholder agrees to pay all costs 
             incurred by Issuer in collecting Cardholder�s indebtedness or in enforcing this agreement, including 
             reasonable attorney's fees and also those costs, expenses and attorney's fees incurred in appellate, 
             bankruptcy and post-judgment proceedings, except to the extent such costs, fees or expenses are 
             prohibited by law.   
            
          I.  This agreement may be amended from time to time by Issuer by written notice mailed to Cardholder 
             at Cardholder's last known address. Account and Agreement terms are not guaranteed for any period 
             of time; all terms, including fees and the APRs for new transactions, may change in accordance with 
             the Agreement and applicable law.   
            
          J.  Except to the extent that federal law is applicable, the validity, construction and enforcement of this 
             agreement and all matters arising out of the issuance and use of the Card shall be governed by the 
             laws of the state in which the principal office of Issuer is located.  
            
          K.  Additional charges, plus applicable taxes, may also be assessed if you pay us with a check not 
             honored by your financial institution, request a copy of a document, request a replacement card or 
             use your Card for a transaction at an automated teller machine, if such charges are not prohibited by 
             law or regulation. No finance charge will be assessed on such additional charges.  
            
          L.  If it is believed that the Card has been lost or stolen or used in an unauthorized manner, the 
             Cardholder shall contact Issuer AT ONCE in order to minimize possible losses. In most cases, the 
             Cardholder will not be liable for any unauthorized transactions unless it is determined that the 
             Cardholder was grossly negligent or fraudulent in the handling of the Card. Notification can be made 
             orally or in writing at:  
                    Credit Card Security Department          Telephone Number:  
                            P. O.  Box 30035                                   (727) 570-4881  
                            Tampa, Florida 33630  
            
          M.  Cardholder agrees that Issuer, its agents or service companies may monitor and/or record any 
             telephone communications with Cardholder.  
            
          N.  Payments must be made to the Issuer in U.S. dollars drawn on a U.S. financial institution.  If 
             Cardholder incurs charges in any other currency, the charges will be converted into U.S. dollars.  The 
             exchange rate for transactions in a foreign currency will be a rate selected by:  
                 VISA� from the range of rates available in wholesale currency markets for the applicable central 
               processing date, which rate may vary from the rate Visa� itself receives, or the government 
               mandated rate in effect for the applicable central processing date. All transactions in foreign 
               countries will be subject to a 1.0% conversion or processing fee.  
                MasterCard� with use of either a government mandated exchange rate, or a wholesale 
               exchange rate selected by MasterCard�, and the rate MasterCard� uses for a particular 
               transaction is a rate selected by MasterCard� for the applicable currency on the day the 
               transaction is processed, which may differ from the rate applicable on the date the transaction 
               occurred or the date on which the transaction is posted to the Cardholders account. Cardholder 
               agrees to pay the converted amount to the Issuer in U.S. dollars, plus a fee of 1.0% for 
               conversion and processing imposed by Issuer and MasterCard�.  
             
          O.  Issuer shall have sole discretion in how payments are applied to Cardholder's account. Issuer may 
             accept checks marked "Payment in Full" or with words of similar effect without losing any of Issuer's 
             rights to collect the full balance of Cardholder's account.  
             
           P.  Issuer can reinvestigate and reevaluate any information Cardholder provided on Cardholder's credit 
             application at any time, and in the course of doing so, Issuer may ask Cardholder for additional 
             information, request credit bureau reports and/or otherwise verify Cardholder's current credit 
             standing.  
            
          Q.  Cardholder agrees that Issuer may re-release information to others, such as credit bureaus, regarding 
             the status and history of Cardholder's account. However, Issuer is not obligated to release any such 
             information to anyone unless Issuer is required by law to do so.  
            
          R.  Cardholder agrees that Cardholder's account shall be subject to all applicable rules and regulations of 
             VISA� U.S.A. Inc. or MasterCard� International, as applicable, as well as all applicable laws. If there 
             is any conflict between the provisions of this Agreement and the rules and regulations of VISA� 
             U.S.A. Inc. or MasterCard� International, the rules and regulations of VISA� U.S.A. Inc. or 
             MasterCard� International shall control. Your Visa� or MasterCard� Card may not be used for any 
             illegal transaction(s).  
         
          S.  If you effect a transaction with your MasterCard� card in a currency other than U.S. dollars, 
             MasterCard� International Incorporated will convert the charge into a U.S. dollar amount. 
             MasterCard� International will use its currency conversion procedure, which is disclosed to 
             Institutions that issue MasterCard� cards. Currently the currency conversion rate used by 
             MasterCard� International to determine the transaction amount in U.S. dollars for such transactions 
             is generally either a government mandated rate or a wholesale rate determined by MasterCard� 
             International for the processing cycle in which the transaction is processed, increased by an 
             adjustment factor established from time to time by MasterCard� International. The currency 
             conversion rate used by MasterCard� International on the processing date may differ from the rate 
             that would have been used on the purchase date or cardholder statement posting date.  
            
                                              
                                              
                          Your Billing Rights: Keep this Document for Future Use 
                                              
                This notice informs you about your rights and responsibilities under the Fair Credit 
                Billing Act. 
                 
               What To Do If You Find A Mistake On Your Statement 
                
               If you think there is an error on your statement, write to us at: 
                
                    Union First Market Bankshares Corporation 
                    P. O. Box 30495 
                    Tampa, FL 33630-3495 
             
               In your letter, give us the following information: 
                
                  �  Account Information: Your name and account number. 
                  �  Dollar Amount: The dollar amount of the suspected error. 
                  �  Description of Problem: If you think there is an error on your bill, describe what you 
                         believe is wrong and why you believe it is a mistake. 
                 
                You must contact us: 
                 
                  �  Within 60 days after the error appeared on your statement. 
                  �  At least 3 business days before an automated payment is scheduled, if you want to 
                     stop payment on the amount you think is wrong. 
                   
                You must notify us of any potential errors in writing. If you call us, we are not required to 
                investigate any potential errors and you may be required to pay the amount in question. 
                   
               What Will Happen After We Receive Your Letter 
                
               When we receive your letter, we must do two things: 
                
                  1. Within 30 days after receiving your letter, we must tell you that we received your letter. 
                      We will also tell you if we have already corrected the error. 
                  2. Within 90 days of receiving your letter, we must either correct the error or explain to you 
                      why we believe the bill is correct. 
                   
               While we investigate whether or not there has been an error: 
                
                  �  We cannot try to collect the amount in question, or report you as delinquent on that 
                    amount.  
                  �  The charge in question may remain on your statement, and we may continue to 
                    charge you interest on that amount. 
                  �  While you do not have to pay the amount in question, you are responsible for the 
                    remainder of your balance. 
                  �  We can apply any unpaid amount against your credit limit. 
           
               After we finish our investigation, one of two things will happen: 
                
                  �  If we made a mistake: You will not have to pay the amount in question or any interest 
                    or other fees related to that amount.  
                  �  If we do not believe there was a mistake: You will have to pay the amount in question, 
                    along with applicable interest and fees. We will send you a statement of the amount you 
                    owe and the date payment is due. We may then report you as delinquent if you do not 
                    pay the amount we think you owe. 
                   
               If you receive our explanation but still believe your bill is wrong, you must write to us within 10 
               days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent 
               without also reporting that you are questioning your bill. We must tell you the name of anyone 
               to whom we reported you as delinquent, and we must let those organizations know when the 
               matter has been settled between us. 
                
               If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount 
               in question, even if your bill is correct. 
                
               Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
                
               If you are dissatisfied with the goods or services that you have purchased with your credit card, 
                and you have tried in good faith to correct the problem with the merchant, you may have the 
                right not to pay the remaining amount due on the purchase. 
                 
                To use this right, all of the following must be true: 
                
                  1.  The purchase must have been made in your home state or within 100 miles of your 
                    current mailing address and the purchase price must have been more than $50. 
                    (Note: Neither of these are necessary if your purchase was based on an 
                    advertisement we mailed to you, or if we own the company that sold you the goods or 
                    services.) 
                  2.  You must have used your credit card for the purchase. Purchases made with cash 
                    advances from an ATM or with a check that accesses your credit card account do not 
                    qualify. 
                  3.  You must not yet have fully paid for the purchase. 
                   
               If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in 
               writing at: 
                
                    Union First Market Bankshares Corporation 
                    P. O. Box 30495 
                    Tampa, FL 33630-3495 
                             
               While we investigate, the same rules apply to the disputed amount as discussed above. After 
               we finish our investigation, we will tell you our decision. At that point, if we think you owe an 
               amount and you do not pay, we may report you as delinquent. 
                
                
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