IMPORTANT CREDIT CARD DISCLOSURES. The following disclosure represents important details concerning Your Credit 
Card. The information about costs of the Card are accurate as of the effective date of ____________________. You can call 
Us at (800) 334-2489 or write Us at P.O. Box 780, Seattle, WA 98111-0780 to inquire if any changes have occurred since the 
effective date. 

Interest Rate and Interest Charges 

Annual Percentage Rate 
(APR) For Purchases 

_______% - _______% when You open Your Account, based on Your 
creditworthiness. 

This APR will vary with the market based on the Prime Rate. 

APR For Balance Transfers 

_______% - _______% when You open Your Account, based on Your creditworthiness. 

This APR will vary with the market based on the Prime Rate. 

APR For Cash Advances 

_______% - _______% when You open Your Account, based on Your creditworthiness. 

This APR will vary with the market based on the Prime Rate. 

Penalty APR And When it 
Applies 

_______% 

This APR may be applied to Your Account if You: 
1)  Make a late payment. 

How  Long  Will  The  Penalty  APR  Apply?  If  Your  APRs  are  increased  for this reason, 
the Penalty APR will apply indefinitely unless 6 consecutive payments are received on or 
before the due date. 

How to Avoid Paying 
Interest On Purchases 

Your due date is at least 25 days after the close of each billing cycle. We will not charge You 
interest on purchases if You pay Your entire balance by the due date each month.  

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 

Transaction Fees 

•  Cash Advance 
•  Foreign Transaction 

3.00% of each cash advance ($10.00 minimum). 
1.00% of each foreign currency transaction in U.S. dollars. 
0.80% of each U.S. Dollar transaction that occurs in a foreign country. 

Penalty Fees 

•  Returned Payment 
•  Late Payment 

Up to $25.00  
Up to $25.00 

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

Copyright Oak Tree Business Systems, Inc., 2012-2014. All Rights Reserved.                          

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