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First PREMIER Bank Platinum Credit Card

Ongoing APR: 9.9%*
Annual Fee: $48.00*
Monthly Fee: $7.00*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Late Fee: $29.00
Overlimit Fee: $29.00
Issuer: First PREMIER Bank

* See Terms and Conditions

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Available Credit and Cash Advance Limitations: The initial minimum credit limit will be at least $250 and the following fees will be billed to your first statement: Account Set-Up Fee of $29.00, the Program Fee of $95.00, the Annual Fee of $48.00, the Additional Card Fee of $20.00 per card (if applicable) and Monthly Servicing Fee of $7.00. These fees will reduce your available credit until they are paid. If you are assigned the minimum credit limit of $250 your initial available credit will be $71 ($51 if you select the additional card option).

Your initial cash advance line will be 10% of your assigned credit line. Once your account has been open and active for a minimum of 90 days, has two consecutive months of current payment history, is not currently delinquent and has had no return payments for 60 days, your cash advance availability may be increased to 50% of the assigned credit line. If your initial credit line is $250, your beginning cash advance line will be $25 and may increase to $125 once the criteria above is met.

Optional PREMIER Credit Protection®:

PREMIER Credit Protection is an optional benefit of your First PREMIER Bank Credit Card. Whether or not you purchase PREMIER Credit Protection is not required to obtain credit or will not affect the terms of any existing credit agreement you have with First PREMIER Bank.

The monthly fee for the PREMIER Credit Protection is based on your outstanding balance multiplied by $0.89 per $100. The fee is included on your monthly First PREMIER Bank Credit Card Statement.

Subject to the limitations and exclusions listed in the Conditions and Requirements of the PREMIER Credit Protection Contract, PREMIER Credit Protection cancels the Current Month Minimum Payment, as reflected on your account billing statement, in the event of Job Loss, Disability, Family Leave and Hospitalization.

PREMIER Credit Protection will cancel the full outstanding balance on your account as of the date of death upon benefit approval. Subject to the limitations and exclusions listed in the Conditions and Requirements of the PREMIER Credit Protection Contract and a maximum aggregate limit of $5,000.

After 30 consecutive days of Job Loss or Family Leave and upon benefit approval, PREMIER Credit Protection will cancel your next Current Month Minimum payment due until: (a) 6 continuous payments have been canceled; (b) you return to work; or (c) the account balance is zero, whichever occurs first.

After 30 consecutive days of Disability and upon benefit approval, PREMIER Credit Protection will cancel your next Current Month Minimum payment due until: (a) 6 continuous payments have been canceled; (b) you are no longer disabled; or (c) the account balance is zero, whichever occurs first.

After one or more consecutive nights of Hospitalization and upon benefit approval, PREMIER Credit Protection will cancel your next Current Month Minimum payment due.

PREMIER Credit Protection will not cancel past due or over limit amounts. You will be responsible for the delinquent and over limit amounts during the Protected Event Period. During any period in which payments for your account is canceled, you may not be able to use your account to make purchases, take cash advances or for any other purpose.

You will continue to be charged for PREMIER Credit Protection Fees during any benefit activation for Job Loss, Disability, Family Leave or Hospitalization.

You must be enrolled in PREMIER Credit Protection for 30 days before a Protected Event may be activated.

At least 120 days must elapse between the end of one Activation period and the beginning of another for the same type of event. There is a maximum aggregate limit of $5,000 of protection that you may have with First PREMIER Bank under PREMIER Credit Protection.

If you are not completely satisfied, you'll have 30 days after enrollment to cancel and receive a full refund of any PREMIER Credit Protection Fees. You may cancel your enrollment in PREMIER Credit Protection at any time.

Please carefully read the PREMIER Credit Protection Conditions and Requirements applicable to all protected events provided in the fulfillment kit, which will be sent to you after enrollment, for a full explanation of each of these eligibility requirements, conditions and exclusions that could prevent you from receiving benefits under PREMIER Credit Protection.

See web site for fees, rates, costs, limitations, available credit and other terms for the GOLD MasterCard® offer.

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