**Your First PREMIER Bank Platinum MasterCard® card is Guaranteed if you apply by the expiration date; your name, social security number and date of birth match our information on record; you do not already have a second account or one pending application with First PREMIER Bank, or any account opened in the last 13 months; your existing account is not in default as defined in your Credit Card Contract; we can verify the address provided with the application; you have a minimum gross annual income of $10,000.00; and you have sufficient income or assets to meet your obligations.