FirstCard Visa�                               Member Rewards 
                                Visa� Platinum   Choice Mastercard� 
                   Platinum                                      Mastercard� 
                            Interest Rates and Interest Charges 
                                                                  
                    
                                8.49%  to        8.49% to 
                                                                 9.49% to 
                   12.90% 
                                18.00% when you  18.00% when you 
                                                                 18.00% when you 
                    
                                open your account,  open your account, 
     Annual Percentage                                           open your account, 
                                based on your    based on your 
     Rate                                                        based on your 
                                creditworthiness.  creditworthiness. 
     (APR) for Purchases                                         creditworthiness. 
                                After this, your APR will  After this, your APR will 
                                                                 After this, your APR will 
                                vary with the market  vary with the market 
                                                                 vary with the market 
                                based on the Prime  based on the Prime 
                                                                 based on the Prime 
                                Rate.            Rate.  
                                                                 Rate. 
                   3.90%        3.90% introductory  3.90% introductory  3.90% introductory 
                   introductory APR  APR until April 1, 2019  APR until April 1, 2019  APR until April 1, 2019 
                   until April 1, 2019                            
                                After that, your APR will  After that, your APR will  After that, your APR will 
                   After that, your  be          be              be 
     APR for Balance 
                   APR will be 
                                8.49% to         8.49% to        9.49% to 
     Transfers 
                   12.90%  
                                18.00% based on  18.00% based on  18.00% based on 
                                your creditworthiness.  your creditworthiness.  your creditworthiness. 
                                This APR will vary with  This APR will vary with  This APR will vary with 
                    
                                the market based on the  the market based on  the market based on the 
                                Prime Rate.      the Prime Rate.  Prime Rate. 
                                8.49% to 18.00% when  8.49% to 18.00% when  9.49% to 18.00% when 
                                you open your account,  you open your account,  you open your account, 
                                based on your    based on your   based on your 
     APR for Cash 
                   12.90%       creditworthiness. After  creditworthiness. After  creditworthiness. After 
     Advances 
                                this, your APR will vary  this, your APR will vary  this, your APR will vary 
                                with the market based  with the market based  with the market based 
                                on the Prime Rate.  on the Prime Rate.  on the Prime Rate. 
     Penalty APR   None         None             None            None 
     Minimum Interest 
                   None         None             None            None 
     Charge 
     How to Avoid Paying  Your due date is at least 25 days after the close of each billing cycle. We will not charge you any 
     Interest on   interest on purchases if you pay your entire balance by the due date each month 
     Purchases 
     For Credit Card Tips  To learn more about factors to consider when applying for or using a credit card, visit the website of 
     from the Consumer  the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore 
     Financial Protection 
     Bureau 
     Fees   
     Annual Fee    None         None             None            None 
     Transactions Fees                                            
     � Balance Transfer  None   None             None            None 
     � Cash Advance  None       None             None            None 
     � Foreign     Up to 1% of  Up to 1% of transaction  Up to 1% of transaction  Up to 1% of transaction 
      Transaction  transaction  amount           amount          amount 
                   amount 
     Penalty Fees                                                 
     � Late Payment  Up to $35  Up to $35        Up to $35       Up to $35 
     � Returned Payment   Up to $35  Up to $35   Up to $35       Up to $35 
     � Over-the-Credit                                            
      Limit        None         None             None            None 
        How We Will Calculate Your Balance: We use a method called �average daily balance� (including new 
        purchases).  
        The information on this disclosure is current as of January 1, 2018 and is subject to change. To determine if any 
        changes have occurred since this date call 844-709-8900.