14238-1  Genesis Credit� Account First Electronic Bank 
   
Interest Rates and Interest Charges  
 
Annual Percentage Rate (APR) for Purchases 
 29.99% 
 
Paying Interest 
  
We will begin charging interest on purchases on the transaction date. 
 
 
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  
 
Annual Fee 
  
None 
 
Penalty Fees 
 
� 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.