FirstCard 
                                                               Member Rewards 
                      Visa�     Visa� Platinum  Choice Mastercard� 
                                                               Mastercard� 
                      Platinum  
                            Interest Rates and Interest Charges 
                                8.24% to        8.24% to       9.24% to 
                                18.00% when you  18.00% when you  18.00% when you 
        Annual Percentage       open your account,  open your account,  open your account, 
        Rate                    based on your   based on your  based on your 
                      12.90% 
        (APR) for               creditworthiness.  creditworthiness.  creditworthiness. 
        Purchases               After this, your APR  After this, your APR  After this, your APR 
                                will vary with the  will vary with the  will vary with the 
                                market based on the  market based on the  market based on the 
                                Prime Rate.     Prime Rate.    Prime Rate. 
                                8.24% to        8.24% to       9.24% to 
                                18.00% based on  18.00% based on  18.00% based on 
        APR for Balance 
                      12.90%    your creditworthiness.  your creditworthiness.  your creditworthiness. 
        Transfers 
                                This APR will vary with  This APR will vary with  This APR will vary with 
                                the market based on  the market based on  the market based on 
                                the Prime Rate.  the Prime Rate.  the Prime Rate. 
                                8.24% to 18.00%  8.24% to 18.00%  9.24% to 18.00% 
                                when you open your  when you open your  when you open your 
                                account, based on  account, based on  account, based on 
        APR for Cash            your creditworthiness.  your creditworthiness.  your creditworthiness. 
                      12.90% 
        Advances                After this, your APR  After this, your APR  After this, your APR 
                                will vary with the  will vary with the  will vary with the 
                                market based on the  market based on the  market based on the 
                                Prime Rate.     Prime Rate.    Prime Rate. 
        Penalty APR   None      None            None           None 
        Minimum Interest 
                      None      None            None           None 
        Charge 
        How to Avoid  Your due date is at least 25 days after the close of each billing cycle. We will not charge 
        Paying Interest on  you any interest on purchases if you pay your entire balance by the due date each month 
        Purchases 
        For Credit Card  To learn more about factors to consider when applying for or using a credit card, visit the 
        Tips from the  website of the Consumer Financial Protection Bureau at 
        Consumer Financial  http://www.consumerfinance.gov/learnmore 
        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  Up to 1% of     Up to 1% of 
          Transaction  transaction  transaction amount  transaction amount  transaction amount 
                      amount 
        Penalty Fees                                             
        � Late Payment  Up to $35  Up to $35    Up to $35       Up to $35 
         � Returned   Up to $35  Up to $35      Up to $35       Up to $35 
          Payment                                                
        � Over-the-Credit  None  None           None            None 
          Limit 
        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 July 1, 2017 and is subject to change. To determine if any 
         changes have occurred since this date call 844-709-8900.