Destiny® Mastercard® Agreement  
First Electronic Bank 

M-134187

Pricing Information 
There are two parts to your Agreement: 1. the Pricing Information and 2. the Cardholder Agreement. The Pricing Information is 
below and the Cardholder Agreement is a separate document enclosed in your Welcome Kit. 

Interest Rates and Interest Charges 

Annual Percentage Rate (APR) for 
Purchases 

APR for Cash Advances 

Paying Interest 

29.9% 

29.9% 

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 

  Monthly Fee 

  Annual Fee 
Transaction Fees 

  Cash Advance Fee 

  Foreign Transaction Fee 

Penalty Fees 

  Late Payment Fee 

  Overlimit Fee 

  Returned Payment Fee 

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 $500, your initial available credit will be only about $441. 

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. 

None 

$59 the first year; $59 thereafter 

$5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100) 
1% of each transaction in U.S. dollars  

Up to $40 

Up to $40 

Up to $40 

How We Calculate Your Balance: We use a  method called “average daily balance (including new purchases)”. See the Cardholder 
Agreement for more details. 

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in   the  Cardholder 
Agreement. 

RATE AND FEE INFORMATION 
For the complete terms, see the Cardholder Agreement. 

Monthly  Periodic  Rates:  The  Purchase  APR  is  29.9%  and  the  standard  Monthly  Periodic  Rate  for  Purchases  is  2.492%.  The  Cash 
Advance APR is 29.9% and the Monthly Periodic Rate for Cash Advances is 2.492%. 

Annual Fee: The initial Annual Fee is $59 and the renewal Annual Fee is $59. 

Late Fee: The Late Fee is $29 if you were not charged a Late Fee during any of the prior six Billing Cycles. Otherwise, the Late Fee is 
$40. 

Returned Payment Fee: The Returned Payment Fee is $29 if you were not charged a Returned Payment Fee during any of the prior six 
Billing Cycles. Otherwise, the Returned Payment Fee is $40. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Overlimit Fee (Optional): The Overlimit Fee is $29 if you were not charged an Overlimit Fee during any of the prior six Billing Cycles. 
Otherwise, the Overlimit Fee is $40.