FirstCard 
                                                          Member Rewards 
                          Visa�      Visa� Platinum 
                                                          Mastercard� 
                          Platinum  
        Interest Rates and Interest Charges 
                                     8.99% to 18.00% when  9.99% to 18.00% when 
                                     you open your account, based  you open your account, based 
        Annual Percentage Rate  
                                     on your creditworthiness.  on your creditworthiness. 
                          12.90% 
        (APR) for Purchases 
                                     After this, your APR will vary  After this, your APR will vary 
                                     with the market based on the  with the market based on the 
                                     Prime Rate.          Prime Rate. 
                                     8.99% to 18.00%      9.99% to 18.00% 
        APR for Balance              based on your        based on your 
                          12.90%  
        Transfers                    creditworthiness. This APR will  creditworthiness. This APR will 
                                     vary with the market based on  vary with the market based on 
                                     the Prime Rate.      the Prime Rate. 
                                     8.99% to 18.00% when you  9.99% to 18.00% when you 
                                     open your account, based on  open your account, based on 
                                     your creditworthiness. After  your creditworthiness. After 
        APR for Cash Advances  12.90% 
                                     this, your APR will vary with the  this, your APR will vary with the 
                                     market based on the Prime  market based on the Prime 
                                     Rate.                Rate. 
        Penalty APR       None       None                 None 
        Minimum Interest Charge  None  None               None 
                          Your due date is at least 25 days after the close of each billing cycle. We will not 
        How to Avoid Paying 
                          charge you any interest on purchases if you pay your entire balance by the due 
        Interest on Purchases 
                          date each month 
        For Credit Card Tips from  To learn more about factors to consider when applying for or using a credit card, 
        the Consumer Financial  visit the 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  None  None                None 
           �  Cash Advance  None     None                 None 
           �  Foreign     Up to 1% of  Up to 1% of transaction  Up to 1% of transaction 
             Transaction  transaction  amount             amount 
                          amount 
        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 July 1, 2018 and is subject to change.  To determine if any 
         changes have occurred since this date call 844-709-8900.