FirstCard                       NOW REWARDS 
                                      Visa� Platinum 
                          Visa� Platinum                  Mastercard� 
        Interest Rates and Interest Charges 
                                      3.99% introductory APR  3.99% introductory APR 
                          3.99%       until December 31, 2018.   until December 31, 2018.  
                          introductory                     
                          APR until   After that, your APR will be  After that, your APR will be 
                          December 31, 
        Annual Percentage Rate        9.24% to 18.00%     10.24% to 18.00% 
                          2018.  
        (APR) for Purchases           when you open your account,  when you open your account, 
                           
                                      based on your       based on your 
                          After that, your 
                                      creditworthiness.   creditworthiness. 
                          APR will be 
                                      After this, your APR will vary  After this, your APR will vary 
                          12.90%      with the market based on the  with the market based on the 
                                      Prime Rate.         Prime Rate. 
                                      9.24% to 18.00%     10.24% 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. 
                                      9.24% to 18.00% when you  10.24% 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  this, your APR will vary with 
                                      the market based on the Prime  the 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 November 1, 2018 and is subject to change.  To determine if 
        any changes have occurred since this date call 844-709-8900.