Genesis Credit® Account 
First Electronic Bank 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) 
for Purchases 

29.99% 

Paying Interest 

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

We will begin charging interest on purchases on the transaction 
date. 

To learn more about factors to consider when applying for or 
using a credit card, visit the website of the Consumer Financial 
Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 

Fees 
Annual Fee 

Penalty Fees 

None 

• 
Late Payment 
•  Returned Payment 

Up to $40 

Up to $40 

How  We  Calculate  Your  Balance:  We  use  a  method  called  “average  daily  balance  (including  new 
purchases)”. See your Account Agreement for more details. 

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is 
provided in your Account Agreement. 

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