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 
(APR) for Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and 
When It Applies 

8.74% to the 

  8.74% to the 

       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 
        5.74%  to the           15 .74% to the 
         Prime Rate*                     Prime Rate*                      Prime Rate*                      Prime Rate*            
     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 
         5.74%  to the           15 .74% to the 
    12.74% to the 
         Prime Rate*                     Prime Rate*                      Prime Rate*                      Prime Rate*           
       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*           
24.99% The Penalty APR may be applied to the account if the minimum 
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.  

Your due date is at least 25 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 (Grace Period) each month.  
If you are charged interest, the charge will be no less than $0.00.  
To learn more about factors to consider when applying for a or using a 
credit  card, visit the website of the Federal Reserve Board at 
http://www.federalreserve.gov/creditcard 

How to Avoid Paying 
Interest on Purchases 

Minimum Interest Charge 
For Credit Card Tips from      
the Federal Reserve Board 

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Fees                                                           Visa®                  Visa® Gold            Visa® Platinum       MasterCard® 

Annual Fee 

Transaction Fees: 

        N/A                     N/A                       N/A                      N/A 

•  Balance Transfer 
•  Cash Advance 
•  Foreign Transaction 

$0.00 
Either $5.00 or 2.0% of the amount advance, whichever is greater. 
1.0% of each transaction in U. S. Dollars  

Penalty Fees: 

•  Late Payment 
•  Over-the-Credit-Limit 
•  Returned Payment        

Up to $25.00 
 N/A 
Up to $25.00 

Other Fees 

•  Pay-By-Phone with 
Live Representative 
•  Pay-By-Phone with 

Automated Service     

$10.00 

 No Charge 

*The Prime Rate used to determine your APR is the rate published in the Wall Street Journal on the 5th 
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.  

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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.  
This index is the Prime Rate as published in the Wall Street Journal on the 5th 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. 

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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. 

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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 $25.00, 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. 

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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. 

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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®. 

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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. 

8