14523 -1 Genesis Credit� Account  
First Electronic Bank  
 
 
 
Interest Rates and Interest Charges  
 
Annual Percentage Rate (APR) 
for Purchases  
 14.9 % 
 
Paying Interest  
  
We will be gin 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 Bu reau at 
http://www.consumerfinance.gov/learnmore.  
 
Fees  
 
Annual Fee  
  
None  
 
Penalty Fees  
 
� Late Payment  
 
� Returned Payment  
  
 
 
Up to $41 
 
Up to $41 
 
How We Calculate Your Balance:  We use a method called �average daily balance (including new 
purchases)�.  See your Account  Agreement  for more details.  
 
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights  is 
provided in your  Account Agreement.