Summary of Terms for 
First Progress Secured 
Credit Cards (Page 1)
As of 2/1/2019Platinum Elite 
MasterCard� Secured 
Credit CardPlatinum Select 
MasterCard� Secured 
Credit CardPlatinum Prestige 
MasterCard� Secured 
Credit Card
Interest Rates and
Interest ChargesThese APRs will vary with the market based on the Prime Rate
Annual Percentage
Rate (APR) for PurchasesPrime Rate plus
Margin of 15.24%*Prime Rate plus
Margin of 9.24%*Prime Rate plus Margin 
of 5.24%*
APR for Cash Advances Prime Rate plus
Margin of 20.24%*Prime Rate plus
Margin of 15.24%*Prime Rate plus Margin 
of 14.24%*
Paying Interest Your payment due date is at least 25 days after the cl ose of each billing cycle. W
e will not charge you interest on purchases if you pay your entire  balance by the
due date each month. W e will begin charging interest on cash advances on the
date of the cash advance.
Minimum Interest Charge If you are charged interest, the charge will be no less  than $1.50
Fees
Annual Fee $29 $39 $49
Transaction Fees
     Cash Advance
     Foreign TransactionsEither $10.00 or 3% of the amount of each Cash Advance, whichever is greater
3% of the transaction amount
Penalty Fees 
     Late Payment 
Returned PaymentUp to $39  
Up to $28  
How We Will Calculate Your Balance : We use a method called �daily balance�.   See the  Cardholder Agreement for more details.
FPPT-010516-020119