Destiny™ Mastercard® Account 
First Electronic Bank 

M-133845

Interest Rates and Interest Charges 

Annual Percentage Rate (APR) 
for Purchases 

24.90% 

APR for Cash Advances 

Penalty APR and When It 
Applies 

Paying Interest 

29.90% 

None. 

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 $1.00. 

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 

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. 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 
after receiving a billing statement. If you do reject this plan, you are not responsible for 
any fees or charges. 

•  Annual Fee 
Transaction Fees 

$75 the first year; $99 thereafter  

•  Cash Advance Fee 

•  Foreign Transaction Fee 

$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 

Up to $40 

Up to $40 

•  Returned Payment Fee 

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:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  your 
Cardholder Agreement.