Genesis Credit� Ashley Advantage� Gold Account First Electronic Bank 
M-133503 
 
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for Purchases 34.9% 
Paying Interest We will begin 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 Bureau at
 
http://www.consumerfinance.gov/learnmore.  
 
Fees  
Annual Fee None 
Penalty Fees � Late Payment � Returned Payment  
Up to $40 Up to $40 
 
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.