Dear Peoples Community Bank customers,

As a valued member of our community, you are eligible to apply for a People's Community Bank Visa® Platinum Rewards Credit Card⁽¹⁾. Apply now and enjoy a low Introductory APR⁽²⁾ of 0.00% for 6 months on Purchases and Balance Transfers.  With no Annual Fee and more rewards to choose from including cash, travel, merchandise and more, you won’t find another card like it.

Not only will you earn one point for each dollar in purchases and two points for every dollar of interest billed, you’ll also earn up to 15 bonus points per dollar when shopping at participating online merchants. Redeem your points for airline tickets, name-brand merchandise, event tickets, gift cards, and more! You also receive outstanding benefits such as:

•  Online Account Access – whenever and wherever, 24 hours a day
•  Zero Liability fraud coverage to protect you from unauthorized purchases, online or off
•  Auto Rental Insurance – use your Visa Platinum credit card the next time you rent a car and you’re automatically covered for any repairs or losses associated with your rental car

Apply now online ... or print, complete, and bring the application form to any branch location and start enjoying the flexibility, security and rewards that the People's Community Bank Visa® Platinum Rewards Credit Card offers.  It couldn’t be easier.

Sincerely,
Randy Phelps
VP Retail Banking and Human Resources
Peoples Community Bank

(1)  Subject to our review of your financial information. Please call 800-421-CARD (2273) for details. See reverse side for important information regarding the rates and fees for this account. Certain conditions and exclusions apply to the benefits listed above. See Visa Guide to Benefits and Cardholder Agreement that will accompany your card for complete details.

(2) 0.00% Introductory Annual Percentage Rate (APR) on Purchases applies for the first six months the account is open. Thereafter, the Purchase Advance rate is a variable APR of 9.74% + Prime, which is currently 12.99% as of August 1, 2010. Balance Transfers requested by calling 800-421-5184 or completing the Balance Transfer Request Certificate are considered a Purchase Advance. The balance transferred must be from an existing account with an issuer other than UMB Bank, n.a. or its Affiliates.