First Citizens Bank

Visa^® Business Credit Card

When it comes to credit cards, First Citizens really means business. With its competitive low rate of prime plus 2.9 percent (minimum annual percentage rate (APR) of 10.00%) and no annual fee, our Visa Business Card is the perfect fit, no matter how large or small your business.

• Credit limits up to $50,000 available.

• No interest charges on purchases if you pay your balance in full within 25 days.

• Option of receiving every cardholder's charges on one statement (consolidated) or have each cardholder receive and pay his/her own statement (individual). In addition to your monthly statement, you have the option to receive daily, weekly, or quarterly categorized expense reports.

• Earn FREE air travel with our BankMiles^® program. BankMiles is available for an annual membership fee of $49.99 per account. (Fee subject to change at anytime, and will be billed annually to your account.)

• APR may vary on all variable rate cards: business card (10.00% APR) as of August 20, 2009.