Conversion to new
Credit Card Program

To offer a more convenient and friendly on-line features such as:

• Verify transactions
• View statements
• Download statements
• Make payments
• Make payments by the telephone

Platinum

• Higher limit per transaction and per day
• Annual Percentage Rate (APR)  is fixed 14.90% *
• Annual fee $75 - Additional card $50 each
• ATM withdrawal  daily limit $600

Gold

• Higher limit per transaction and per day
• Annual Percentage Rate (APR) is fixed 17.99% *
• Annual fee $50 - Additional card $25
• ATM withdrawal daily limit $300

* The APR is subject to revision by the Bank. You will receive notice of this change 15 days before it occurs. Terms and conditions are subject to change.

The old credit cards will automatically stop functioning on April 22nd, 2008. The new credit cards will be ready to activate on April 22nd, 2008.

• First customers will have to qualify for the new credit card. See below.
• Fill out, sign and send the application to the address indicated.
• Make sure you select the type of card of your choice.
• Once reviewed and approved the new credit card will be sent to the customer at the address of record in our system.

The new credit cards will be delivered as soon as the Bank has processed and approved the new application.

The PIN number will be delivered to you 3 days after the receiving the plastic.

Once you received the new credit card, you will have to activate it by following the instructions included in the credit card remittance letter.

There is not deadline. However, if you want a seamless conversion please send the new application as soon as you receive it.

You can download the application from our website.

The process can be expedited by sending the application by fax 305-569-1540 or legible scanned attachment by email to our electronic banking unit at bacflorida.com.

Gold Credit Card

• A relationship of $50,000 in average balances (the sum of all types of deposits) during the previous six months.
• The collateral requirements remain the same as in the existing credit card program.

Platinum Credit Card

• A relationship of $100,000 in average balances (the sum of all types of deposits) during the previous six months.
• The collateral requirements remain the same as in the existing credit card program.

As stated at the time of issuance, the collateral will remain on hold for three months from April 22nd, 2008 as security for charges that may come in after the expiration date.

You can pay it directly or applied against the collateral.

Our credit card processor, Fidelity National Information Center, customer service number.

Customer Service 1-800-423-7503 or Bank inquires (305) 789-8077

Yes.

Include this request in the application.

No, they will have different numbers.

Wherever Visa is accepted.

No, it does not.