[Form #] Destiny� Mastercard� Account First Electronic Bank
 
Interest Rates and Interest Charges  
 
Annual Percentage Rate (APR) for Purchases 
 24.9% 
 
APR for Cash Advances 
  
29.9% 
 
Penalty APR and When It 
Applies   
None. 
 
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 $1.00.  
 
 
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    
 
  
  
� Annual 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 initiall y 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. 
  
$59 the first year;  $59 thereafter  
 
Transaction Fees 
 
� Cash Advance Fee 
 
� Foreign Transaction Fee   
 
 $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100)  
 
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 your Cardholder Agreement for more details. 
 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Agreement.