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IMPORTANT COMMERCIAL CARD ACCOUNT DISCLOSURES PLATINUM PREMIER' PLATINUM PLUS' PLATINUM CLASSIC' ANNUAL PERCENTAGE RATE As low as 0.0% * As low as 6.9% * As low as 9.9% * (APR) for Purchases (as of April 26, 2007)tt Other APRs Cash Advance*: as low as 2.0% Cash Advance*: as low as 19.99% Cash Advance': as low as 19.99% Default*t: 21.99% or greater Default*t: 21.99% or greater Default*t: 21.99% or greater Variable Rate Information Your APR for purchases and cash advances may vary. The APR is determined for each billing cycle by adding a margin between -5.32% and 20.67% for purchases, -3.32% and 22.67% for cash advances, and 16.67% and 24.67% aller Defaultt to the UBDR rate**. This results in current APRs between 0.0% and 25.99% for purchases, 2.0% and 27.99% for cash advances, and 21.99% and 29.99% aller Defaullt. Annual Membership Fee None None $39 per year Grace Period for Repayment of Purchase Balances 20-25 days Method of Computing the Balance for Purchases, We take each day's beginning balance for purchases, balance transfers, and cash advances, add any new purchases, balance Balance Transfers, and Cash Advances transfers, cash advances, and other charges or fees to the appropriate balance, and subtract any new payments or credits from the appropriate balance. This gives us each ending Daily Balance for each separate type of balance. We then multiply each ending Daily Balance by the applicable Daily Periodic Rate (1/360 of the applicable APR) to determine the Finance Charges for that day and balance type and then add such Finance Charges to the Account as part of the next day's beginning balance. Minimum Finance Charges $1.00 Transaction Fee for Cash Advances 3.0% of each cash advance (minimum $10.00) Late Payment & Over Limit Fees $39.00
tt Your initial credit line and APR for purchases, balance transfers, cash advances, and Default are based upon our evaluation of your application and credit information at the time you apply. Requests for enrollment in Credit Protection, an immediate cash advance, or Express Processing are optional. Your response to these application items may be used in evaluating your application. Failing to request any of these items will not negatively affect your application for credit.
Other Fees: Returned Payment Fee: $39.00 Returned Convenience Check Fee: $39.00 Quick Remit Fee: $10.00; Copying Charges: (i) Statement Copy - first copy free, thereafter $5.00 each, (ii) Sales/Credit Draft Copy - up to $5.00 each . You will be considered for a First Equity Platinum Premier or Plus card account with no annual fee. If we are unable to issue you a Piatinum Premier or Plus card, we will consider you for a Platinum Classic card account with a Total Credit Limit of up to $10,000 and an annual membership fee as shown above. While most approved applicants receive the Platinum Premier card with no annual membership fee, the $100,000 credit line is available only to applicants with superior credit standing. You will be notified if you are eligible for the $100,000 line and additional financial materials and verifications may be required. The maximum initial credit line available through this offer in the absence of additional procedures is $20,000. For mutual protection, your full initial credit limit will not be availabie until we have verified certain details to guard against identity theft. Once we have verified your identity, your full initial credit limit will be made available and you will automatically be considered for periodic credit line increases above your current limit. You may cali us toll-free at any time to determine your amount of credit available. .. The LlBOR rate is the 3D-day London Interbank Offered Rate (LiBOR) selected by us from those published in the "Money Rates" section of The Wall Street Journal in the 90 days prior to the first day of your billing cycie, as adjusted on the first day of each month. t If you default under the terms of your Cardholder Agreement,your APR will be increased to the greater of either 21.99% or your current contractual APR plus 4%. The Default APR will apply to all charges that are made or incurred following the end of the billing cycle in which a default occurs and to any outstanding balance that already exists as of that date. AUTHORIZATION: When you sign and return the application for this credit card offered by Columbus Bank & Trust Company ("CB& T") on behalf of First Equity Card, you (for yourself individually and on behalf of a business (your "Business")) (1) represent that you are a sale proprietor or a duly authorized representative, partner, officer, or agent 01 a business (your "Business") and have the authority to bind the Business; (2) agree to be bound by the terms and conditions of the Columbus Bank & Trust Business Visa Cardholder Agreement (the "Card Agreement") which, if an account is opened, will be mailed with one or more requested credit cards (each, a "card'J; and \3) authorize and direct CB& T to obtain your personal and/or Business credit report, to review it an the in ormation in your application and to request and use further information to evaluate your application and determine your credit limit, APRs and any other terms for your account. You (for yourself individually and on IJehalf of your Business) acknowledge andilgree fhat, by using the account or any Card, li) you and your Business are bound by the terms of the Cardholder Agreement; (Ii) CB& T may from time to time order credit reports on you personally, your Business and any others who will be financially responsible for the account in connection with extensions of credit or the review and collection of the account; (iii) CB& T may exchange information on the account, your Business, you and other persons financially responsible for the account with CB& T1jlffiliates and with First Equity Card; (iv) the Cards and the account will be used solely for business or commercial purposes and not for personal, family, or household purposes; and (v) you and your Business are jointly and severally liable for all transactions on the account (which means that you are personally liable for amounts due CB& T even if your Business or any Card holder does not pay as agreed or if you leave the employment of the Business). TRAOE NAMES: By requesting the design of your First Equity Card with a business name ("Name"), you (for yourself individually and on behalf of your Business) represent and warrant to CB& T that you or your Business are the lawful owner or licensee of the Name for the design and that you will indemnify CB& T. its affiliates and First Equity Card for any third-party claim arising out of the wrongful use of that Name. ARBITRATION OF DISPUTES: Any controversy or claim relating to this offer or the processing of your application will be settled on an Individual basis by binding arbitration in accordance with the Federal Arbitration Act ("FAA") arbitration procedure under the auspices and rules of the American Arbitration Association ("AM"). (For information on AAA or for a copy of the AM Arbitration Rules, see www.adr.org.) Judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. You and we acknowledge and agree that this after and any application by you in response involve "commerce" as that term is defined and used in the FAA. By applying under our offer you agree to this Arbitration Provision. The arbitrator shall award only such relief as a court of competent jurisdiction could properly award under applicable law. All statutes of limitation, defenses, and attorney-client and other privileges that would apply
in a court proceeding will apply in the arbitration. There will be no class claims; claims by or on behalf of other persons will not be considered in or consolidated with the arbitration proceedings between you and us. This provision does not limit the right of you or us, whether before, during or after an arbitration proceeding, to exercise self-help remedies such as set-off or repossession and sale of collateral or to obtain provisional or ancillary remedies or injunctive or other traditionally equitable relief (other than a stay of arbitration) pending the arbitrator's determination of the merits of the claim. We will tell you how to contact the AAA and how to get a copy of the Arbitration Rules without cost if you ask us in writing to do so. The Arbitration Rules permit you to request deferral or reduction of the administrative fees of arbitration if paying them would cause you a hardship. Any in-person arbitration hearing will be held in Columbus, Georgia, where our operations and records are located. PLEASE REAO THIS ARBITRATION SECTION CAREFULLY. IT LIMITS OR WAIVES CERTAIN OF YOUR RIGHTS. WITH RESPECT TO CLAIMS THAT YOU ARE AGREEING TO ARBITRATE PURSUANT TO THIS PROVISION, YOU ARE WAIVING YOUR RIGHT TO BRING A COURT ACTION ANO TO HAVE A JURY TRIAL. THERE WILL BE NO CLASS CLAIMS IN ARBITRATION. DISCOVERY MAY BE MORE lIMITEO IN ARBITRATION THAN IN A COURT PROCEEDING, ANO THE RIGHT ANO GROUNOS TO APPEAL FROM AN ARBITRATOR'S AWARO ARE MORE lIMITEO THAN IN AN APPEAL FROM A COURT JUDGMENT. CERTAIN OTHER RIGHTS YOU HAVE IN A COURT PROCEEDING ALSD MAY NOT BE AVAILABLE IN ARBITRATION. CUSTOMER INFORMATION POLICY: To help the government fight the funding of terrorism and money laundering activities, the law requires financial institutions to obtain, verify, and record information that identifies each person or business opening an account. What this means for you: When you apply for or open an account we will ask for your name, address, date of birth and other information that will allow us to identify you. In some cases we may also ask for copies of certain identifying documents. TAX ADVISOR: You should consult your tax advisor as to the proper tax treatment and deductibility of any business expenses, including the cost of credit. WITHORAWAL DF INVITATION: The terms of this invitation expire 90 days after receipt. CB& T may aiso withdraw or change the terms of this invitation if it does not receive your completed application on or before the expiration date of the offer, if it cannot confirm your identity or verify any of the information provided to it in the application or otherwise, if you already have a business card account with CB& T or one of ItS affiliates or have applied for or been considered for such an account within the previous 90 days, or if any person signing the epplication or for-whom a Card is requested is under the ege of 18 or is not a U.S. citizen or a_ permanent legal U.S. resident. TRANSFER: This offer is not transferable. NOTES ABOUT EARNING CASH BACK: Cash back rebates will be earned when you use your card for purchases at the First Equity Business Rewards Online Mall. The ratio of cash back rebate varies by merchant and purchase type and is disclosed in the online mall. The Authorizing Officer of each account will automatically be sent a cash rebate check when the rebate earned reaches $10. Terms of the cash back feature may be subject to change and additional conditions may be disclosed in the online mail. DPTIONAL CREDIT PROTECTION FEATURE: Your purchase of First Equity Credit Protection is optional. If you do not enroll in the Credit Protection Program it will not have an adverse effect on your application for credit. This cost is 88 cents for each $100.00 in statemented balance each month. You may cancel First Equity Credit Protection within thirty (30) days from the program Start Date and receive a full refund. Because each monthly payment of fees provides you with debt protection for the month in which the payment is made, you will not be entitled to any refund after the initial thirty (30) day period. We will give you additional information before you are required to pay for this product. ihls information will include additional disclosures and a copy of the First Equity Credit Protection Contract containing the terms of First Equity Credit Protection. Ther~ are eligibility requirements, conditions and exclusions that could prevent you from receiving protection under the First Equity Credit Protection Contract. You should carefully read the additional disclosures and the First Equity Credit Protection Contract and make sure you understand its terms and conditions before purchasing this product. The optional Credit Protection Program may not be available in all states. FOR ADDITIONAL INFORMATION: Please refer to the First Equity website at www.firstequitycard.com or phone (215) 631-9470.

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Complete this portion to request additional cards for your employees
Additional Cardmember(s) - up to 4 without additional charge
PLEASE PRINT:
First Name
Last Name
Social Security Number
First Name
Last Name
Social Security Number
First Name
Last Name
Social Security Number
First Name Last Name Social Security Number The Authorizing Officer agrees that the additional card members will be bound to the terms of the Business Cardmember Agreement and these disclosures.