Destiny® Mastercard® Agreement
First Electronic Bank
Pricing Information

M-133985

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

24.9%

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

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.

 Monthly Fee

 Annual Fee

Transaction Fees

None

$75 the first year; $99 thereafter

 Cash Advance Fee

$5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100)

 Foreign Transaction Fee

1% of each transaction in U.S. dollars

Penalty Fees

 Late Payment Fee

 Overlimit Fee

 Returned Payment Fee

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 24.9% and the standard Monthly Periodic  Rate for Purchases is 2.075%. 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 $75 and the renewal Annual Fee is $99.

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.