F03-Y373-0 -0120Destiny�Mastercard� AccountFirst Electronic Bank
Interest Rates and Interest Charges 
 
Annual Percentage Rate (APR) for Purchases 24.9% 
 
APR for Cash Advances  
29.9% 
 
Penalty APR and When It Applies  
29.9% This APR may be applied to your account if you: 1. Ma
ke a late payment. How Long Will the Penalty Rate Apply?  If
 your APR is increased for the above reason, the Penalty APR will apply until you make six consecutive minimum payments when due.  
 
Paying Interest Your due date is at least 25 days after the close of each billing cycle.  We will not charge you any interest on purchases if you pay your entire balance by the due date each month.  We will begin charging interest on cash advances on the transaction date. 
 
Minimum Interest Charge If you are charged interest, the charge will be no less than $.50. 
 
For Credit Card Tips from the Consumer Financial Protection Bureau  
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 
Set Up and Maintenance Fees 
�Annual Fee NOTICE:  Some of these set up and maintenance fees will be assessed before you begin using your card and will reduce the amount of credit you initially have available.  For example, based on the credit line of $300, your initial available credit will be only about $225. You may reject this plan, provided that you have not yet used the account or paid a fee aft
er receiving a billing statement. If you do reject this plan, you are not responsible for any fees or charges.  $75 the first year; $9
9 thereafter 
 
Transaction Fees �Cash Advance Fee �Foreign Transaction Fee $0 during the first year; after the first year, either $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100) 1% of each transaction in U.S. dollars 
 
Penalty Fees �Late Payment Fee �Overlimit Fee �Returned Payment Fee 
Up to $40 Up to $40 Up to $40 
How We Calculate Your Balance:  We use a method called �average daily balance (including new purchases)�. See your Cardholder Agreement for more details. Billing Rights: In
formation on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Agreement. Destiny� Mastercard� Account  First Electronic Bank 
 
Interest Rates and Interest Charges
Annual Percentage Rate (APR)for Purchases24.9%
APR for Cash Advances 29.9%
Penalty APR and When ItApplies 29.9%This APR may be applied to your account if you:1. Ma
ke a late payment.How Long Will the Penalty Rate Apply?  If
 your APR is increased for the above reason,the Penalty APR will apply until you make six consecutive minimum payments when due.
Paying Interest Your due date is at least 25 days after the close of each billing cycle.  We will not chargeyou any interest on purchases if you pay your entire balance by the due date each month.  We will begin charging interest on cash advances on the transaction date.
Minimum Interest Charge If you are charged interest, the charge will be no less than $.50.
For Credit Card Tips from theConsumer Financial ProtectionBureau To learn more about factors to consider when applying for or using a credit card, visitthe website of the Consumer Financial Protection Bureau athttp://www.consumerfinance.gov/learnmore.
Fees
Set Up and Maintenance Fees
�Annual FeeNOTICE:  Some of these set up and maintenance fees will be assessed before you beginusing your card and will reduce the amount of credit you initially have available.  Forexample, based on the credit line of $300, your initial available credit will be only about$225.You may reject this plan, provided that you have not yet used the account or paid a feeaft
er receiving a billing statement. If you do reject this plan, you are not responsible forany fees or charges.$75the first year; $9
9thereafter
Transaction Fees�Cash Advance Fee�Foreign Transaction Fee $0during the first year; after the first year, either $5 or5%of the amount of each transaction, whichever is greater (not to exceed $100) 1%of each transaction in U.S. dollars
Penalty Fees�Late Payment Fee�Overlimit Fee�Returned Payment Fee
Up to$40Up to$40Up to$40
How We Calculate Your Balance:  We use a method called �average daily balance (including new purchases)�. See yourCardholder Agreement for more details.Billing Rights: In
formation on your rights to dispute transactions and how to exercise those rights is provided in yourCardholder Agreement.