NOW REWARDS 
                       FirstCard Visa� Platinum   Visa� Platinum 
                                                               Mastercard� 
     Interest Rates and Interest Charges 
                                          3.99% introductory APR  3.99% introductory APR 
                                          until December 31, 2019.   until December 31, 2019.  
                       3.99% introductory APR 
                                          After that, your APR will be  After that, your APR will be 
     Annual Percentage Rate   until December 31, 2019.  
     (APR) for Purchases  After that, your APR will be  8.74% to 18.00%  9.74% to 18.00% 
                                          based on your        based on your 
                       12.90% 
                                          creditworthiness and will vary  creditworthiness and will 
                                          with the market based on the  vary with the market based 
                                          Prime Rate.          on the Prime Rate. 
                                          0.00% introductory APR  0.00% introductory APR 
                                          until April 1, 2020.  until April 1, 2020. 
                       0.00% introductory APR 
                       until April 1, 2020  After that, your APR will be  After that, your APR will be 
     APR for Balance 
                       After that, your APR will be 
     Transfers                            8.74% to 18.00%      9.74% to 18.00% 
                       12.90%             based on your        based on your 
                                          creditworthiness and will vary  creditworthiness and will 
                                          with the market based on the  vary with the market based 
                                          Prime Rate.          on the Prime Rate. 
                                          8.74% to 18.00% when you  9.74% to 18.00% when you 
                                          open your account, based on  open your account, based 
                                          your creditworthiness. After  on your creditworthiness. 
     APR for Cash Advances  12.90% 
                                          this, your APR will vary with  After this, your APR will vary 
                                          the market based on the Prime  with the market based on the 
                                          Rate.                Prime Rate. 
     Penalty APR       None               None                 None 
     Minimum Interest Charge  None        None                 None 
     How to Avoid Paying  Your due date is at least 25 days after the close of each billing cycle. We will not charge you 
     Interest on Purchases  any interest on purchases if you pay your entire balance by the due date each month 
     For Credit Card Tips from  To learn more about factors to consider when applying for or using a credit card, visit the 
     the Consumer Financial  website of the Consumer Financial Protection Bureau at 
     Protection Bureau  http://www.consumerfinance.gov/learnmore 
     Fees  
     Annual Fee        None               None                 None 
     Transactions Fees                                          
        ?  Balance Transfer  3.00% of transaction amount  3.00% of transaction amount  3.00% of transaction amount 
        ?  Cash Advance  None             None                 None 
        ?  Foreign 
                       None               None                 None 
          Transaction 
     Penalty Fees                                               
        ?  Late Payment  Up to $35        Up to $35            Up to $35 
        ?  Returned    Up to $35          Up to $35            Up to $35 
          Payment                                               
        ?  Over-the-Credit  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 November 1, 2019 and is subject to change.  To determine if 
        any changes have occurred since this date call 844-709-8900.