FIRST LATITUDE MASTERCARD� SECURED CREDIT CARD  
 
SUMMARY OF TERMS as of 2/1/2019  
 
Interest Rates and Interest Charges 
Annual Percentage Rate (APR) 
for Purchases 26.74% 
 
This APR will vary with the market based on the Prime Rate. 
APR for Cash Advances 26.74% 
 
This APR will vary with the market based on the Prime Rate. 
Paying Interest 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 $1.50. 
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  
No Annual Fee  
Transaction Fees 
� Cash Advance 
 
� Foreign Transaction  
Either $10.00 or 3% of the amount of each Cash Advance, whichever is greater 
 
3% of the transaction amount 
Penalty Fees 
� Late Payment 
 
� Returned Payment  
Up to $39.00 
 
Up to $28.00 
 
How We Will Calculate Your Balance: We use a method called "daily balance�. 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. 
 
Margins and Daily Periodic Rates with Corresponding APRs (as of 2/1/2019) 
 
 Purchase Rate Cash Advance and Convenience Check 
Rate 
Margin 21.24% 21.24% 
Daily Periodic Rate 0.0732603 % (corresponding APR of 26.74%) 0.0732603 % (corresponding APR of 26.74%) 
These rates may increase monthly, effective as of the first day of your Billing Cycle. See the Cardholder 
Agreement for details. 
 
This Summary of Terms is incorporated into and made part of the accompanying Cardholder Agreement. 
Retain both for your records. 
FLSUT-090117-020119