Destiny� Mastercard� Account  
First Electronic Bank  
 
Interest Rates and Interest Charges  
 
Annual Percentage Rate (APR) 
for Purchases  
 24.90 % 
 
APR for Cash Advances  
  
29.90% 
 
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 initially have available. Based 
on the credit line of $ 300, your initial available credit will be only about $ 265. 
 
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.  
 
$35 the first year;  $35 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.  M-133844