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* Reports to all three credit bureaus
* Mastercard is accepted at 40 million locations online, in app and in store

Name
Name
Address
Address
Email
Email
Phone Number
Phone Number
Date of Birth (MM/DD/YYYY)
Date of Birth (MM/DD/YYYY)
Social Security Number

Social Security Number
Total Monthly Income
Total Monthly Income
Total Monthly Expenses
Total Monthly Expenses

OPTIONAL SERVICES (SELECTION REQUIRED)

OVERLIMIT COVERAGE

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Overlimit refers to any time you exceed the credit limit on your credit card
account. If you would like to allow overlimit charges on your account, you must
opt-in for the Overlimit Coverage described here.

If you have not opted in and attempt to make a charge that would exceed your
credit limit, your card will be declined.

Unless you tell us otherwise, we will decline any transaction that causes you to
go over your credit limit. If you want us to authorize these transactions, you
can enroll in Overlimit Coverage.

If you are enrolled in Overlimit Coverage and you go over your credit limit, we
will charge you a fee up to $41. We may also charge you two additional Overlimit
Fees if your New Balance remains over your Credit Limit as of the Payment Due
Date in future Billing Cycles. You will only pay one fee per billing cycle, even
if you go over your credit limit multiple times in the same cycle.

Even if you request Overlimit Coverage, in some cases, we may still decline a
transaction that would cause you to go over your credit limit, such as if you
have not yet established a payment history, are past due, or significantly over
your credit limit.

If you would like to enroll in Overlimit Coverage and to allow us to authorize
transactions that go over your credit limit, please click the “Accept” button
below.

By selecting "Accept", you confirm that you understand that if you go over your
credit limit you will be charged a fee of up to $41. You also understand that
you may cancel Overlimit Coverage at any time.
Decline
Accept

CREDIT PROTECTION

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DESTINY®

CREDIT PROTECTION

TERMS AND CONDITIONS ADDENDUM

Please read these terms and conditions carefully.

They explain provisions, limitations and procedures applicable to Destiny Credit
Protection.

Destiny Credit Protection is an optional addendum to your Cardholder Agreement
(the “Cardholder Agreement”). In consideration of a monthly fee of $1.49 per
$100 of your Monthly Statement Balance on your monthly Statement and in
accordance with these Terms and Conditions Addendum, the Monthly Minimum Payment
or the Monthly Statement Balance on a Protected Account may be canceled if you
experience an Eligible Event. Whether or not you purchase Destiny Credit
Protection will not affect your application for credit or the terms of any
existing credit agreement you have with First Electronic Bank.

Capitalized terms not defined in this Destiny Credit Protection Terms and
Conditions Addendum (“Terms and Conditions”) refer to defined terms in your
Cardholder Agreement and are incorporated herein. Additionally, as used in these
Terms and Conditions, “you” and “your” mean the Cardholder, and “we”, “us”, and
“our” refer to defined terms in your Cardholder Agreement.

1. DEFINITIONS

Account in Good Standing means a Protected Account that is either not past
due or is less than ninety-one (91) days past due.

Benefit(s) means the cancellation of the Monthly Statement Balance or
Monthly Minimum Payment(s) on a Protected Account, for a specific Eligible
Event, as applicable, in accordance with these Terms and Conditions.

Benefit Form means a document that the Plan Administrator will send to you,
upon your request, which you must complete and return to the Plan
Administrator to verify an Eligible Event and process a Benefit.

Eligible Event means Involuntary Unemployment, Disability, Total & Permanent
Disability, Loss of Life, Hospitalization, Natural Disaster or Auto Service,
as defined below.

a. Involuntary Unemployment means you suffer a loss of income as a result of
an involuntary loss of Permanent Employment due to lay-off, employer
termination, generalized strike, or unionized labor dispute or lockout.
To qualify, for Involuntary Unemployment Benefits, you must have been
engaged in Permanent Employment for thirty (30) consecutive days
immediately preceding the Event Date and involuntarily unemployed for at
least thirty (30) consecutive days. Unemployment events that occur within
the first 30 days from the Enrollment Date are not eligible for Benefits.

* Eligible Benefit Amount: In the event of your Involuntary Unemployment
from Permanent Employment, we may cancel your minimum payment due for
up to 6 billing periods. You are only eligible for one (1) Monthly
Minimum Payment Benefit per billing period. If your account is eligible
for 6 consecutive Monthly Minimum Payment benefits for an Eligible
Event, we will cancel the Monthly Statement Balance for the Statement
immediately prior to your 6th Monthly Minimum Payment benefit approval
date.

* Unemployment Event of 6 months or more at initial approval: In cases
where you have been experiencing an unemployment event for 6
consecutive months or more at the time of Benefit approval, then we
will cancel the Total New Balance for the Statement immediately prior
to your Benefit approval date.

* Eligibility Date: The Eligibility Date is the date that is thirty (30)
days after your Permanent Employment was involuntarily terminated.

* Event Date: The Event Date is the date you were involuntarily
terminated from employment.

b. Disability means you become unable to perform the major duties of your
occupation or are unable to pursue your normal daily activities, due to a
physical or mental impairment that is not self-inflicted for at least
thirty (30) consecutive days as verified by your licensed health care
provider, who provided you continuous care.

* Eligible Benefit Amount: In the event of your Disability, we may cancel
your Monthly Minimum Payment for up to 6 billing periods. You are only
eligible for one (1) Monthly Minimum Payment Benefit per billing
period. If your account is eligible for 6 consecutive Monthly Minimum
Payment benefits for an Eligible Event, we will cancel the Monthly
Statement Balance for the Statement immediately prior to your 6th
Monthly Minimum Payment benefit approval date.

* Disability Event of 6 months or more at initial approval: In cases
where you have been experiencing a disability event for six (6)
consecutive months or more at the time of Benefit adjudication, then we
will cancel the Monthly Statement Balance for the Statement immediately
prior to your Benefit approval date.

* Eligibility Date: The Eligibility Date is the date that is thirty (30)
days after you became disabled, as verified by your licensed health
care provider.

* Event Date: The Event Date is the date on which you first became unable
to perform the major duties of your occupation or if not working, the
date on which you first became unable to perform your normal daily
activities, due to a physical or mental impairment that is not
self-inflicted, as verified by your licensed health care provider.

c. Total & Permanent Disability means you become unable to perform the major
duties of your occupation or are unable to pursue your normal daily
activities, due to a physical or mental impairment that is not
self-inflicted as verified by your licensed health care provider, who
provided you continuous care and who has confirmed that your disability
is total and permanent. You will only be eligible for one (1) Total &
Permanent Disability Benefit under these Terms and Conditions.

* Eligible Benefit Amount: In the event of your Total & Permanent
Disability, we will cancel your Monthly Statement Balance for the
Statement immediately prior to the Benefit approval.

* Eligibility & Event Dates: The Eligibility & Event Dates are the same -
the date that you became totally and permanently disabled, as verified
by your licensed health care provider.

d. Loss of Life means the loss of life of the Primary Cardholder.

* Eligible Benefit Amount: In the event of Loss of Life, the balance
immediately following your date of death will be cancelled.

* Eligibility & Event Dates: The Eligibility & Event Dates are the same -
the date of your death, provided on the death certificate.

e. Hospitalization means you are admitted to a hospital and stay overnight
for at least one (1) night. A “hospital” means any licensed medical
hospital, acute care facility, convalescent nursing facility, residential
drug facility, psychiatric facility, hospice facility, or licensed
nursing home.

* Eligible Benefit Amount: In the event of Hospitalization, we will
cancel your Monthly Minimum Payment (excluding any past due payment
amounts) for 1 billing period. You are eligible for only one (1)
Hospitalization Benefit per calendar year.

* Eligibility Date: The Eligibility Date is the day after your first
night of hospitalization.

* Event Date: The Event Date is the date on which you are first admitted
to a hospital.

f. Natural Disaster means your residence is located in a county or zip code
that has been declared a disaster area by the Federal Emergency Management
Agency (FEMA).

* Eligible Benefit Amount: In the event of a Natural Disaster, we will
cancel your Monthly Minimum Payment due for 3 Billing Cycles. You are only
eligible for one (1) Monthly Minimum Payment Benefit per Billing Cycle.

* Eligibility & Event Dates: The Eligibility & Event Dates are the same -
the date the FEMA-declared natural disaster occurred.

g. Auto Service means you have auto service/parts expenses totaling $250 or
greater.

* Eligible Benefit Amount: In the event of Auto Service, we will cancel your
Monthly Minimum Payment due (excluding any past due payment amounts) for
one (1) Billing Cycle. The Benefit does not reimburse you for the actual
auto expenses. The Benefit payment will not be for the total of the
expense provided by you. You are eligible for only one (1) Auto Service
benefit per calendar year.

* Eligibility & Event Dates: The Eligibility & Event Dates are the same -
the date of the service repair/parts purchased provided on a detailed
receipt. The auto service/parts purchased must have occurred while
enrolled in Credit Protection. If repairs take longer than 1 day, then the
Event date will be initial date of the repair work.

Enrollment Date means the date of your enrollment in Credit Protection.

Involuntary Termination means unemployment resulting from lay-off, employer
termination, generalized strike, unionized labor dispute or lockout.

Monthly Statement Balance means the ending balance of the Protected Account on
your monthly Statement—in other words, your Total New Balance, as described on
your Statement.

Permanent Employment means thirty (30) hours or more per week of paid permanent
employment.

Plan Administrator provides customer assistance for the Credit Protection
program and can be contacted for inquiries regarding the program by calling toll
free 1-800-693-9571 , 8:00 am to 8:00 pm Eastern Time, Monday through Friday
(excluding holidays).

Cardholder means the Cardholder who is primarily responsible for the payment
obligations on the Protected Account. Only the Cardholder is eligible for
Benefits under these Terms and Conditions, and the Cardholder must experience
the Eligible Event.

Protected Account means an Account under the Cardholder Agreement for which
these Terms and Conditions are in effect.

2. Additional Eligibility Requirements

Subject to the Terms and Conditions, the Cardholder is eligible for each
Benefit type listed below. Benefits will not be provided due to an
Authorized User experiencing an Eligible Event. In addition to all other
requirements in these Terms and Conditions, you must also meet the
requirements for each specific Benefit below in order to qualify for a
Benefit:

* Your Protected Account must be in Good Standing as of the Event Date.
* You must notify the Plan Administrator of the Eligible Event within
twelve (12) months from the Eligibility Date.
* You must be enrolled in Credit Protection at the time of the Eligible
Event for which you are seeking a Benefit.
* You must be a resident of the United States.

INVOLUNTARY UNEMPLOYMENT

* For each Benefit, you must experience involuntary unemployment for at
least 30 consecutive days from the Event Date, including the Event Date.
* You are not eligible for a Benefit for loss of employment due to
voluntary forfeiture of the employment, salary, wages, or employment
income, resignation, retirement, termination of seasonal or temporary
employment, scheduled termination or expiration of an employee contract,
or willful or criminal misconduct.
* If you are self-employed, you must be eligible for state unemployment
benefits.
* To be eligible for another Benefit for Involuntary Unemployment, you must
regain Permanent Employment for at least thirty (30) consecutive days
before you will be considered eligible for another Involuntary
Unemployment Benefit.

DISABILITY

* For each Benefit, you must have a Disability for at least thirty (30)
consecutive days from the Event Date, including the Event Date.
* Once you have been approved for a Disability Benefit, you will not be
eligible for another Disability Benefit for twelve (12) months due to
another Disability with a similar physical or mental impairment. The
twelve-month period starts from the Event Date of the previously approved
Disability Benefit.

TOTAL & PERMANENT DISABILITY

* If you have received a Benefit for a Total & Permanent Disability event,
you will not be eligible for any additional Disability or Total &
Permanent Disability Benefits under these Terms and Conditions.

LOSS OF LIFE

* We must receive a copy of a death certificate for the Primary Cardholder.

HOSPITALIZATION

* You are eligible for only one (1) Hospitalization Benefit per calendar
year.

NATURAL DISASTER

* We may require you to complete and return the forms required by us.

AUTO SERVICE

* We may require you to complete and return the Benefit Form required by us
for proof of services/parts purchased; and
* You do not have to use your Card to pay for the auto service to qualify.
* You are eligible for only one (1) Benefit for each calendar year.

3. REQUIRED DOCUMENTATION

In addition to a completed Benefit Form, you must provide the Plan
Administrator additional documentation so that we can evaluate your
eligibility for a Benefit.

a. Involuntary Unemployment: You must provide proof that you qualify for
state unemployment benefits by providing a copy of your state
unemployment benefit check stub or benefit statement and by having the
employer’s statement completed on your Benefit Form. In the event of a
strike, labor dispute or lockout, a union representative or designated
individual must sign a form specifying the situation causing the
involuntary unemployment. If you do not qualify for state unemployment
benefits because benefits were exhausted by a past period of
unemployment; or if the employer was a nonprofit organization not
required to withhold taxes; or if you did not earn enough in the period
during which state or federal benefits are based, you must provide a
copy of the denial letter from the state unemployment office.

b. Disability / Total & Permanent Disability: The licensed health care
provider who is providing you with continuous care must verify the
Disability in writing. You must provide your licensed health care
provider’s written verification.

c. Loss of Life: A death certificate for the Cardholder must be provided.

d. Hospitalization: A copy of documentation that verifies your hospital
stay with admission and discharge dates must be provided.

e. Natural Disaster: You must provide proof that your residence is located
in a county or zip code declared a disaster by FEMA.

f. Auto Service: You must provide a copy of a detailed receipt for auto
service and/or auto parts that total $250 or greater in a single visit.

4. BENEFIT AMOUNT AND APPLICATION OF BENEFITS TO PROTECTED ACCOUNT

a. If the Plan Administrator verifies your Eligible Event and determines
that you have met all of the requirements for a Benefit, your Protected
Account will be credited for the applicable Benefit amount as described
under Definitions / Eligible Event / Eligible Benefit Amount.

b. Your Protected Account will be credited in the amount of the Eligible
Benefit Amount even if the Eligible Benefit Amount exceeds the account
balance owed on your Protected Account at the time the credit is applied
and results in a credit balance. You will not be reimbursed directly.
Should you have a credit balance on your account, you may contact the
number on the back of your Card to request a refund check.

c. You must continue to make the Monthly Minimum Payment Due in accordance
with your Cardholder Agreement while your Benefit request is being
processed.

5. HOW TO REQUEST A BENEFIT

a. To request a Benefit, you must notify the Plan Administrator by calling
toll-free 1-800-693-9571 , 8:00 a.m. to 8:00 p.m. Eastern Time, Monday
through Friday (excluding holidays) or visit us online at
www.mydestinycard.com anytime.

b. The Benefit Form will be sent to you via U.S. Mail. You must complete
the Benefit Form and mail it along with the required documentation to
the following address: Destiny Credit Protection, Plan Administrator,
P.O. Box 740237, Atlanta, GA 30374-0237. If you have any questions, you
may contact the Plan Administrator by calling the toll-free number noted
above. We may deny or close a Benefit at any time if: (i) you provide
false information on the Benefit Form; (ii) you fail to send in the
Benefit Form; (iii) the Benefit Form is incomplete and you fail to
provide the missing information we request within the time period we
give you to provide it; or (iv) you do not qualify for the Benefit, in
accordance with these Terms and Conditions.

c. You agree to request Benefits in good faith and to provide accurate and
complete information when requesting a Benefit. You agree not to misuse
your Protected Account in connection with obtaining or requesting
Benefits.

6. MULTIPLE ELIGIBLE EVENTS

a. If more than one Eligible Event occurs within the same Billing Cycle,
you will only be eligible to receive Benefits for one (1) of the events.
The Eligible Event providing the largest Benefit to you will be
processed, provided that all eligibility requirements have been met.

7. WAIVER OF REQUIREMENTS

a. We reserve the right to waive any of the requirements described in the
Terms and Conditions, at our discretion. If we do so, we will not be
obligated to waive the same requirement in any other situation or for
any other Cardholder, and our waiver of one or more requirements will
not constitute a waiver of any other requirement. A waiver of a
requirement may be terminated at any time upon written notice to you.

8. CREDIT PROTECTION CANCELLATION AND TERMINATION

a. We may cancel your Credit Protection at any time. Your enrollment will
automatically terminate without written notice if: (i) your Protected
Account becomes ninety-one (91) days past due; (ii) we determine your
Protected Account was not in Good Standing as of the date of your
requested enrollment in Credit Protection; (iii) you die (although this
will not prevent your Estate from receiving Benefits earned prior to or
as a result of your death); (iv) you at any time cease to be a United
States resident; (v) you live in an ineligible state; or (vi) as
otherwise stated in the Terms and Conditions.

b. You may cancel your Credit Protection at any time by contacting the Plan
Administrator toll free at 1-800-693-9571. You will not be charged any
Credit Protection fees after your cancellation date. If you cancel
Credit Protection and notify the Plan Administrator within the first
thirty (30) calendar days after your Enrollment Date, any Credit
Protection fees you have been billed will be refunded. You are not
entitled to any fee refunds after the first thirty (30) days of
enrollment.

c. Upon automatic termination or cancellation by us or by you, you will not
be eligible to receive Benefits for any Eligible Event with an Event
Date on or after the date of termination or cancellation.

9. CREDIT PROTECTION FEES

a. The monthly fee for Credit Protection is $1.49 per $100 of your Monthly
Statement Balance, which is your balance on the last day of each Billing
Cycle. For example, if your Monthly Statement Balance is $200.00, a
Credit Protection fee of $2.98 would be charged to your Protected
Account. This fee is charged even if you pay off the balance in full by
the payment due date. If your Monthly Statement Balance is zero, there
is no fee charged for that month.

b. Whether or not you qualify for all the Benefits, the fee for Credit
Protection is still $1.49 per $100 of your Monthly Statement Balance,
which is your balance on the last day of each Billing Cycle.

c. The fee will appear on your Statement for the Protected Account.

10. CHANGE IN TERMS

a. We will provide you notice of a change and a chance to cancel without
additional payments, unless the change is favorable and there is no
increase in the monthly fee.

11. POTENTIAL TAX IMPACT

a. Any credit to your Protected Account as a result of qualifying for a
Credit Protection Benefit may be considered taxable income to you or
your estate. If you have questions about the potential tax impact to you
or your estate, you should consult your tax advisor.

12. JURY TRIAL WAIVER/ARBITRATION PROVISION

a. The Arbitration of Disputes Provision of your Cardholder Agreement is
incorporated in these Terms and Conditions. In the event of a dispute
between you and us, the Arbitration of Disputes Provision will: (i)
eliminate the right to a trial by jury; and (ii) substantially affect
your rights, including your rights to bring, join in, or participate in
class proceedings. You should read the Arbitration of Disputes Provision
of your Cardholder Agreement carefully.

13. OTHER PROVISIONS

a. All other provisions of your Cardholder Agreement remain in full force
and in effect. You must continue to make payments as required under your
Cardholder Agreement, while your Benefit request is being processed.

1910DSYCP_11600

By selecting “Accept”, you confirm the following:

* You understand it is an optional product;
* You have read the complete Addendum and understand the benefits, terms, and
limitations; and
* You understand a fee will be charged each month to your Account.

Decline
Accept

TERMS & CONDITIONS

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DESTINY® MASTERCARD® FIRST ELECTRONIC BANK

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases
35.9% APR for Cash Advances 35.9% 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 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. For example, based on the credit
line of $700, your initial available credit will be only about $525.
* Monthly Fee

$0 the first year (billed $0 each month); $150 annually thereafter (billed
$12.50 each month)
* Annual Fee

$175 the first year; $49 thereafter Transaction Fees
* Cash Advance Fee

$5 or 5% of the amount of each transaction, whichever is greater (not to exceed
$100)
* Foreign Transaction Fee

1% of each transaction in U.S. dollars. Penalty Fees
* Late Payment Fee

Up to $41
* Overlimit Fee

Up to $41
* Returned Payment Fee

Up to $41

How We Calculate Your Balance: We use a method called “average daily balance
(including new purchases)”.

Billing Rights:Information on your rights to dispute transactions and how to
exercise those rights will be provided in the Cardholder Agreement.

TERMS AND CONDITIONS

The Destiny Mastercard Account (“Account”) is issued by First Electronic Bank
(“us”, “we”, and “our”). This offer is only valid for new Accounts. You must be
at least 18 years old (19 in AL), have a valid Social Security Number, physical
address, and a US IP address.

You authorize us to obtain your credit report from one or more credit reporting
agencies to verify your identity and evaluate your credit, and to review,
maintain and perform collection activities on your Account. In addition, you
authorize (i) us to seek information about your credit history from your current
and former creditors, (ii) your current and former creditors to provide
information to us about your credit history; and (iii) our servicer, Genesis FS
Card Services, Inc., to provide information about your credit card
prequalification request history to us. If you ask us, we will tell you whether
or not we requested your credit report, and the names and addresses of any
credit reporting agencies that provided us with such reports.

To be prequalified and/or approved for an Account, you must:

* Meet our credit qualification criteria, including a review of your income and
your debt, and identity verification requirements.
* Not have an existing Destiny Mastercard Account.
* Not have had a Destiny Mastercard Account that charged off due to
delinquency.

If you are approved for a Destiny Mastercard, we will mail you a complete
Cardholder Agreement.

Annual Fee: The Annual Fee will be charged to your Account when it is opened. It
is refundable as long as you cancel your Account and have not made any
transactions.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the
government fight the funding of terrorism and money laundering activities,
federal law requires us to obtain, verify, and record information that
identifies you when you open an Account. What this means for you: When you open
an account, we will ask you for your name, street address, date of birth, and
other information that will allow us to identify you. We may also ask to see
your driver’s license or other identifying documents from you.

CONSENT TO ELECTRONIC COMMUNICATIONS

By submitting a prequalification request and/or application online, you agree to
the following and this constitutes your consent for us to send you electronic
communications about your prequalification, application, and account in
connection with the pre-qualification and/or application process. When you
successfully consent and submit your prequalification and/or application through
our website, you have successfully demonstrated that you are able to access the
information we have posted on such online website.

Communications: You consent to receive communications relating to a Destiny
Mastercard Account in electronic form. The communications covered by your
consent may include, but are not limited to, (i) the initial disclosure
statement, (ii) any disclosure required by Federal, state or local law,
including disclosures under the Federal Truth in Lending Act, the Federal Fair
Credit Reporting Act, and the financial privacy provisions of the
Gramm-Leach-Bliley Act, (iii) any disclosures required for enrollment in Credit
Protection, and (iv) other disclosures, notices or communications in connection
with your prequalification and/or application for a Destiny Mastercard.

Withdrawing Consent: You may not submit a pre-qualification request or
application online for a Destiny Mastercard unless you also provide your consent
to receive electronic communications. Because this consent applies only to the
pre-qualification and/or application process, and not to any future
communications, you do not have an opportunity to withdraw the consent after the
application is submitted.

Hardware and Software Requirements: In order to access and retain electronic
communications, you must have the following:

1. A widely used, recent generation web browser (for example, Internet
Explorer, Safari or Firefox);
2. A personal computer or equivalent device capable of connecting to the
internet via dial-up, DSL, cable modem, wireless access protocol or
equivalent;
3. A widely used, recent-generation portable document file reader; and
4. Sufficient storage capacity on your hard drive or other data storage
facility, or a means to print or store notices and information through your
browser software.

Paper Copies of Communications: Upon your request, we will provide you with a
paper copy of any communication that we provide electronically. If you would
like a paper copy of any material, write to us at First Electronic Bank, c/o
Genesis FS Card Services, P.O. Box 4477, Beaverton, Oregon 97076. There will be
no charge for a paper copy of any material we have provided electronically.

Communications in Writing: All communications in either electronic or paper
format from us to you will be considered “in writing”. You should print a copy
of this consent and any other electronic communication that is important to you
for your records.

Electronic Signatures: You acknowledge that by clicking “Submit” or similar
button on the application, you are indicating your intent to receive electronic
communications about your pre-qualification and/or application for a Destiny
Mastercard and that this shall constitute your signature.

Federal Law: You acknowledge and agree that your consent is being provided in
connection with a transaction affecting interstate commerce the is subject to
federal Electronic Signatures in Global and National Commerce Act, and that you
and we both intend that the Act apply to the fullest extent possible to validate
our ability to conduct business with you by electronic means.

IMPORTANT DISCLOSURES

MILITARY LENDING ACT: The Military Lending Act provides protections for certain
members of the Armed Forces and their dependents (“Covered Borrowers”). The
provisions of this section apply to Covered Borrowers. If you would like more
information about whether you are a Covered Borrower, you may contact us at
1-800-583-5698.

Military Lending Act – Statement of MAPR: Federal law provides important
protections to members of the Armed Forces and their dependents relating to
extensions of consumer credit. In general, the cost of consumer credit to a
member of the Armed Forces and his or her dependent may not exceed an Annual
Percentage Rate of 36%. This rate must include, as applicable to the credit
transaction or Account: (1) the costs associated with credit insurance premiums;
(2) fees for ancillary products sold in connection with the credit transaction;
(3) any application fee charged (other than certain application fees for
specified credit transactions or Accounts); and (4) any participation fee
charged (other than certain participation fees for a credit card Account).

Military Lending Act – Oral Disclosures: In order to hear important disclosures
and payment information about your Account, you may call 1-800-290-6421.

Military Lending Act – Applicability of Arbitration of Disputes Provision: The
Arbitration of Disputes Provision set forth in this document and the Cardholder
Agreement does not apply to Covered Borrowers.

ARBITRATION OF DISPUTES PROVISION: PLEASE READ THIS ARBITRATION OF DISPUTES
PROVISION CAREFULLY. UNLESS YOU SEND US THE REJECTION NOTICE DESCRIBED BELOW,
THIS PROVISION WILL APPLY TO YOUR ACCOUNT, AND MOST DISPUTES BETWEEN YOU, ON THE
ONE HAND, AND US OR ANY SERVICER OF YOUR ACCOUNT, INCLUDING, BUT NOT LIMITED TO,
GENESIS FS CARD SERVICES, INC. (“GENESIS”), ON THE OTHER HAND, WILL BE SUBJECT
TO INDIVIDUAL ARBITRATION. THIS MEANS THAT: (1) NEITHER A COURT NOR A JURY WILL
RESOLVE ANY SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TO PARTICIPATE IN A CLASS
ACTION OR SIMILAR PROCEEDING; (3) LESS INFORMATION WILL BE AVAILABLE; AND (4)
APPEAL RIGHTS WILL BE LIMITED. THIS ARBITRATION OF DISPUTES PROVISION DOES NOT
APPLY TO YOU IF, AS OF THE DATE YOU ARE APPROVED FOR AN ACCOUNT, YOU ARE A
MEMBER OF THE ARMED FORCES OR A DEPENDENT OF SUCH MEMBER ENTITLED TO PROTECTION
UNDER THE FEDERAL MILITARY LENDING ACT. PLEASE SEE THE SECTION OF THIS DOCUMENT
LABELED “MILITARY LENDING ACT.” IF YOU WOULD LIKE MORE INFORMATION ABOUT WHETHER
YOU ARE ENTITLED TO PROTECTION UNDER THE FEDERAL MILITARY LENDING ACT, YOU MAY
CONTACT US AT 1-800-583-5698.

The Cardholder Agreement, which we will send to you if approved, provides that
you will resolve most claims against us or any servicer of your Account,
including, but not limited to Genesis, that arise from or relate to your Account
and other specified subjects by binding arbitration as opposed to in court with
a judge or jury. You may opt out of this arbitration provision within 60 days
after the opening date of your Account by sending a rejection notice. Your
Cardholder Agreement will explain how you may do so. Your Cardholder Agreement
terms will also provide that you waive the right to pursue class actions against
us.

STATE NOTICES

California Residents: A married applicant may apply for a separate Account. As
required by law, you are hereby notified that a negative credit report
reflecting on your credit record may be submitted to a consumer reporting agency
if you fail to fulfill the terms of your credit obligations. After credit
approval, each applicant shall have the right to use the credit Account up to
the limit of the Account. Each applicant may be liable for amounts extended
under the plan to any joint applicant.

Delaware Residents: Service charges not in excess of those permitted by law will
be charged on the outstanding balances from month to month.

Ohio Residents: The Ohio laws against discrimination require that all creditors
make credit equally available to all creditworthy customers, and that credit
reporting agencies maintain separate credit histories on each individual upon
request. The Ohio Civil Rights Commission administers compliance with this law.

Married Wisconsin Residents: No provision of any marital property agreement,
unilateral statement or court decree adversely affects our rights, unless you
give us a copy of such agreement, statement or court order before we grant you
credit, or we have actual knowledge of the adverse obligation. All obligations
on this Account will be incurred in the interest of your marriage or family. You
understand that we may be required to give notice of this Account to your
spouse. Married Wisconsin residents must furnish the name and address of their
spouse to Genesis FS Card Services, P.O. Box 4477, Beaverton, OR 97076.

Kentucky Residents: You may pay the unpaid balance of your Account in whole or
in part at any time.

New York and Vermont Residents: We may obtain a consumer report for any
legitimate purpose in connection with your Account or your application,
including but not limited to reviewing, modifying, renewing and collecting on
your Account. Upon your request, we will inform you of the names and addresses
of any Consumer Reporting Agencies that have furnished the reports. New York
residents may contact the New York State Department of Financial Services at
1-800-518-8866 or www.dfs.ny.gov to obtain a comparative list of credit card
rates, fees and grace periods.

Utah Residents: As required by law, you are hereby notified that a negative
credit report reflecting on your credit record may be submitted to a credit
reporting agency if you fail to fulfill the terms of your credit obligations.

DSYPQ_213_0201

SUBMIT APPLICATION

By clicking “SUBMIT APPLICATION” below, you confirm you are applying for a
Destiny Mastercard Account issued by First Electronic Bank (“we” “us”) and you
acknowledge, agree to, and/or represent the following:

* The information you have provided as part of this application is true and
correct;
* We may gather information about you, including from credit reporting agencies
and other sources, to verify your identity and determine your eligibility for
credit, renewal of credit, future extensions of credit, and consider you for
additional products and services. If you ask, we will tell you whether or not
we requested a credit report and the names and addresses of any credit
reporting agency that provided us with such credit report; and
* You have read and agree to the credit terms and other disclosures with this
application, and you understand that if your application is approved, the
complete Cardholder Agreement (“Agreement”) will be sent to you and will
govern your Account. Among other things, the Agreement includes an
arbitration provision that limits your rights unless you reject the provision
by following the provision’s instructions or if you are a Covered Borrower
entitled to protection under the Federal Military Lending Act. Please see the
“Military Lending Act” section of the Terms and Conditions and Important
Disclosures.

* Authorization for the Social Security Administration to Disclose Your Social
Security Number Verification

I authorize the Social Security Administration (SSA) to verify and disclose
to First Electronic Bank, for the purpose of this transaction whether the
name, Social Security Number (SSN) and date of birth I have submitted matches
information in SSA records. My consent is for a one-time validation within
the next 90 days.

By clicking “ACCEPT” below, you agree that you have read and agree to the above
Terms and Conditions, which contain important rate, fee, and other information
and the Consent to Electronic Communications and confirm you meet the computer
and software requirements and you consent to receive the account terms and
conditions and important disclosures electronically.
Decline
Accept
Submit Application

Destiny is a registered trademark of Genesis FS Card Services, Inc. The Destiny
Mastercard is issued by First Electronic Bank, Member FDIC, and serviced by
Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier Parkway,
Beaverton, OR 97006

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