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 

Penalty Fees 

None 

•  Late Payment 
•  Returned Payment 

Up to $38 
Up to $38 

How We Will Calculate Your Balance:  We use a method called “average daily balance (including 
new purchases)”.  See the “How Interest Charges are Determined” section of the Genesis Credit 
Account Agreement below for more details. 

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights 
is provided in the “Your Billing Rights – Keep This Notice for Future Use” section of the Genesis 
Credit Account Agreement below.