CREDIT CARD AGREEMENT 
AND DISCLOSURE STATEMENT 

THIS  IS  YOUR  CREDIT  CARD  AGREEMENT  AND  IT  INCLUDES  NECESSARY  FEDERAL  TRUTH-IN-
LENDING  DISCLOSURE  STATEMENTS,  WORLD  MASTERCARD,  MASTERCARD  PLATINUM, 
MASTERCARD  PLATINUM  REWARDS  AND  MASTERCARD  PLATINUM  SECURED  AGREEMENTS,  AND 
ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR WORLD MASTERCARD, MASTERCARD 
PLATINUM,  MASTERCARD  PLATINUM  REWARDS  AND  MASTERCARD  PLATINUM  SECURED  CREDIT 
CARDS,  AND/OR  ANY  OTHER  ACCOUNT  ACCESS  DEVICE.  PLEASE  BE  CERTAIN  TO  READ  THIS 
AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 

DEFINITIONS. In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean VANTAGE CREDIT UNION. The words "You" and "Your" mean 
each person who accepts this Agreement or uses the World Mastercard, Mastercard Platinum, Mastercard Platinum Rewards or  Mastercard Platinum Secured 
Credit  Card(s).  The  words  "Card"  and  "Credit  Card"  mean  any  World  Mastercard,  Mastercard  Platinum,  Mastercard  Platinum  Rewards  or  Mastercard  Platinum 
Secured Credit Card issued to You by Us and any duplicates or renewals. If this is a joint Account, read singular pronouns in the plural. 

PROMISE  TO  PAY.  You  understand  that  the  following  terms  and  conditions  constitute  Our  Agreement  with  You.  Your  Account  may  be  accessible  through  a 
variety of means which could include advance request forms, vouchers, checks, charge slips, Credit Cards and the like. Regardless of the access means, You 
promise to pay Us all amounts charged to Your Account by You or by any user who has access to Your Account, with actual, apparent or implied authority for use 
of Your Account, including Finance Charges and other fees or charges described herein. 

USE  OF  YOUR  CARD.  You may  use  Your  Card  to  buy  goods  and  services in  any  place  that  it  is honored  and  to  get  cash  advances  at  participating  financial 
institutions. You agree not to use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where 
such practices are in violation of applicable state and/or federal law. 

SECURITY. You acknowledge that You own any shares and/or collateral pledged as security and that there are no other liens against them other than Ours. You 
agree to perform all acts which are necessary to make Our security interest in the shares and/or collateral being pledged enforceable. 

OTHER SECURITY. Collateral (other than household goods or any dwelling) given as security under this Agreement or for any other loan You may  have with 
Us  will  secure  all  amounts  You  owe  Us  now  and  in  the  future  if  that  status  is  reflected  in  the  “Truth -in-Lending  Disclosure”  in  any  particular  Agreement 
evidencing such debt. 

CONSENSUAL LIEN ON SHARES. You grant and consent to a lien on Your shares or deposits with Us (except for IRA and Keogh accounts) and any 
dividends/interest  due  or  to  become  due  to  You  from  Us  to  the  extent  You  owe  on  any  unpaid  Credit  Card  balance  and/or  Overdraft  Protection 
balance created through the use of Your Debit card or ATM card. 

MASTERCARD PLATINUM SECURED CREDIT CARD RESTRICTIONS. In order to apply for and maintain a Mastercard Platinum Secured Card, You agree to 
grant Us a specific security interest in Your Mastercard Secured Savings Account with Us. The amount that is pledged will equal Your Credit Limit, but in no event 
will be less than $500.00. In order to retain Card privileges, the funds pledged as security will remain in Your Mastercard Secured Savings Account unless You 
cancel  Your  Mastercard  Platinum  Secured  Card  and  request  the  redemption  of  any  funds  given  as  security.  You  may  do  so  at  any  time  by  returning  any 
Mastercard Platinum Secured Cards issued to You and completing a Mastercard Secured Card Voluntary Closure form available from the Credit Union. Any funds 
securing Your Mastercard Platinum Secured Card (less any amounts You owe) will be transferred to Your Regular Savings Account 15 days after We receive Your 
request. If Your Mastercard Platinum Secured Card is closed for cause due to an overlimit or delinquent status, or is voluntarily closed  while in an overlimit or 
delinquent status, any funds securing Your Mastercard Platinum Secured Card will immediately be applied to any balance owing. You agree to immediately pay in 
full any amount then outstanding on Your Account. 

LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for which You are approved. Unless You are in default, any Credit Limits established for 
You will generally be self-replenishing as You make payments. 

You will keep Your unpaid balance within Your Credit Limit set by Us, and You will pay any amount over Your Credit Limit on Our demand whether or not We 
authorize the advances which caused You to exceed Your Credit Limit. Even if Your unpaid balance is less than Your Credit Limit, You will have no credit available 
during any time that any aspect of Your Account is in default. 

JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the repayment of any amounts owed. If any Account access device, such as a 
Personal  Identification  Number  (PIN)  is  requested  and  approved,  You  understand  that  any  such  Account  access  device(s)  will  be  mailed  only  to  the  primary 
Borrower at the address We have on file for You. We may refuse to follow any instructions which run counter to this provision. 

MINIMUM MONTHLY  PAYMENTS  (PAYMENT  SCHEDULE). Though  You  need  only  pay  the  Minimum  Monthly  Payments,  You  understand  that  You  have  the 
right to repay at any time without penalty. You also understand that You will only be charged periodic Finance Charges to the date You repay Your entire balance. 
You may make larger payments without penalty. Any partial payment or prepayment will not delay Your next scheduled payment. All payments to Us must be in 
lawful money of the United States. We may apply each payment to whichever Credit Card We wish. Except as required by law, the order in which We may apply 
payments is at Our discretion. 

Any unpaid portion of the Finance Charge will be paid by subsequent payments and will not be added to Your principal balance. You understand that any delay in 
the repayment of Your unpaid balance will increase Your periodic Finance Charges and any acceleration in the repayment of Your unpaid balance will decrease 
Your periodic Finance Charges. 

World Mastercard, Mastercard Platinum, Mastercard Platinum Rewards and Mastercard Platinum Secured Minimum Payments will be an amount equal to 3.00% 
of Your new unpaid World Mastercard, Mastercard Platinum, Mastercard Platinum Rewards or Mastercard Platinum Secured Account  balance at the end of each 
billing cycle, subject to the lesser of $26.00 or Your balance, plus any portion of the Minimum Payments shown on prior statement(s) which remains unpaid, plus 
any amount that exceeds any approved Credit Limit. 

You may, by separate agreement, authorize Us to charge an amount equal to: (a) the Minimum Periodic Payment shown on Your Periodic Billing Statement; (b) a 
set amount not less than 3.00% of Your approved Credit Limit; or (c) the total New Balance shown on Your Periodic Billing Statement. If You authorize Us to do 
this, the amount designated in such agreement will be deducted automatically from Your checking or Regular Savings account with Us or Your checking account 
at another institution. 

Copyright Oak Tree Business Systems, Inc., 2010-2017. All Rights Reserved. 

Page 1 of 4 

  OTBS 016CC FRB_ Web VANT (6/17) 
Rev. (6/17) 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
LATE CHARGE. If Your payment is more than 15 days late, You will be charged 5.00% of the payment due, subject to a maximum of $25.00 and a minimum of 
$10.00 (whenever the payment due is greater than $25.00). 

OTHER  FEES  AND  CHARGES.  You  will  be  charged  the  following  fees  associated  with  the  use  of  Your  Card:  (a)  the  lesser  of  $25.00  or  the  amount  of  the 
minimum payment due for each check (or other negotiable instrument used for payment) that is returned unpaid; (b) $10.00 for each copy of a receipt You request 
(refunded if the basis for the request is a dispute and it is resolved in Your favor); (c) $10.00 for each replacement Card You request; (d) and $10.00 for each 
duplicate statement You request.  

FINANCE CHARGES. In the case of any transactions under Your World Mastercard, Mastercard Platinum, Mastercard Platinum Rewards or Mastercard Platinum 
Secured Credit Card(s), the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including 
new  transactions).  To  get  the  average  daily  balance,  We  take  the  beginning  balance  each  day,  add  any  new  purchases,  balance  transfers,  cash  advances, 
insurance premiums, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, 
We add up all the daily balances for the billing cycle and divide them by the number of days in the billing cycle. The Finance Charge for a billing cycle is computed 
by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. 

You can avoid Finance Charges on purchases of goods and services by paying the full amount of the entire balance owed each month within 25 days of Your 
statement closing date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a 
Finance Charge. Cash advances and balance transfers are always subject to a Finance Charge from the date they are posted to Your Account. 

For the current Margin, Index, monthly periodic rate (and the corresponding Annual Percentage Rate) for Your Account, refer to the separate page titled 
“Additional Disclosure – Federal Truth-In- Lending Act” which has been provided in conjunction with Your Credit Card. 

VARIABLE RATE. All advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates section  of The Wall 
Street Journal in effect on the 15th calendar day that immediately precedes the 1st day of each calendar quarter ("Index") plus Our Margin. The Index plus the 
Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle during the months of January, 
April, July and October of each year. Increases or decreases in the Interest Rate will result in like increases or decreases in the Finance Charge and will affect the 
number of Your regularly scheduled payments. We may choose not to apply an increased rate resulting from an increase in the Index and if We do, You agree that 
such act will not constitute a reduction in Your Margin.  You further agree that in such an event We would not lose Our right to apply any subsequent increase, 
whether or not occasioned by any previously unapplied increase. 

PENALTY RATE. If Your Account is more than 60 days past due, subject to applicable law, the Margin applicable to Your entire balance of transactions existing at 
that  time  and  in  the  future  will  be  increased  to  24.99%. An  increase  in  the  Margin  will  result  in  an  increase  in  the  Monthly  Periodic Rate  (corresponding  to  an 
increase in the Annual Percentage Rate). For detailed rate information concerning the manner in which the penalty rate may be applied to Your Account, refer to 
the separate page titled "Additional Disclosure - Federal Truth-In-Lending Act" which has been provided in conjunction with Your Credit Card. 

During  the  three  month  period  following  such  an  increase,  if  We  receive  the  first  three  consecutive  required  minimum  periodic  payments  when  due,  the  rate 
applicable to the balance of transactions that occurred prior to such increase will be returned to the standard variable periodic rate that would have otherwise been 
in effect. 

PERIODIC STATEMENTS. On a regular basis, You will receive a statement showing all transactions on Your Account including amounts paid and borrowed since 
Your last statement. We will mail or deliver a statement each month in which there is a debit or credit balance or when a Finance Charge is imposed. We need not 
send You a statement if We feel Your Account is uncollectible or if We have started collection proceedings against You because You defaulted. Each statement is 
deemed to be a correct statement of account unless You establish a billing error pursuant to the Federal Truth-In-Lending Act.  

DEFAULT. You will be in default if: (a) You do not make any payment or perform any obligation under this Agreement, or any other agreement that You may have 
with Us; or (b) You should die, become involved in any insolvency, receivership or custodial proceeding brought by or against You; or (c) You have made a false or 
misleading statement in Your credit application and/or in Your representations to Us while You owe money on Your Account; or  (d) A judgment or tax lien should 
be filed against You or any attachment or garnishment should be issued against any of Your property or rights, specifically including anyone starting an action or 
proceeding to seize any of Your funds on deposit with Us; and/or (e) We should, in good faith, believe Your ability to repay Your indebtedness hereunder is or 
soon will be impaired,  time being of the very essence. 

Upon any occurrence of default, We may, to the extent permitted by law, cancel Your rights under this Agreement, require the return of all access devices and 
declare the entire balance of Your Account immediately due and payable, without prior notice or demand.  

COLLECTION COSTS. In the event collection efforts are required to obtain payment on this Account, to the extent permitted by law, You agree to pay all court 
costs, private process server fees, investigation fees or other costs incurred in collection and reasonable attorneys’ fees incurred in the course of collecting any 
amounts owed under this Agreement or in the recovery of any collateral. 

ENFORCEMENT. We do not lose Our rights under this or any related agreement if We delay enforcing them. We can accept late payments, partial payments or 
any other payments, even if they are marked "paid in full" without losing any of Our rights under this Agreement. If any provision of this or any related agreement is 
determined to be unenforceable or invalid, all other provisions remain in full force and effect. 

NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly in writing if You move or otherwise have a change of address. 

CHANGE IN  TERMS. We may change the terms of this Agreement by mailing or delivering to You written notice of the changes as prescribed by the  Federal 
Truth-In-Lending Act. To the extent permitted by law, the right to change the terms of this Agreement includes, but is not limited to, the right to change the periodic 
rate applicable to Your unpaid balance and/or future advances. 

CREDIT  INSURANCE.  Credit  insurance  is  not  required  for  any  extension  of  credit  under  this  Agreement.  However,  You  may  purchase  any  credit  insurance 
available through Us and have the premiums added to Your outstanding balance. If You elect to do so, You will be given the necessary disclosures and documents 
separately. 

INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional Disclosure — Federal Truth-In-Lending Act," which is delivered together with this 
Agreement or at a later date becomes an integrated part of this Agreement and Disclosure. 

CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement. By signing the application; or by using Your Account or any Account access 
device; or by authorizing another to use Your Account, You agree to and accept its terms. 

Copyright Oak Tree Business Systems, Inc., 2010-2017. All Rights Reserved. 

Page 2 of 4 

  OTBS 016CC FRB_ Web VANT (6/17) 
Rev. (6/17) 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts to update information contained in Your original Account application or other 
financial information related to You, at Our request. You also agree that We may, from time to time, as We deem necessary, make inquiries pertaining to Your 
employment, credit standing and financial responsibility in accordance with applicable laws and regulations. You further agree that We may give information about 
the status and payment history of Your Account to consumer credit reporting agencies, a prospective employer or insurer, or a state or federal licensing agency 
having any apparent legitimate business need for such information.  

TERMINATION. Either You or We may cancel Your Account or any particular Credit Card of Your Account, at any time, whether or not You are in default. You will, 
in any case, remain liable to pay any unpaid balances according to the terms of Your Account. 

GOVERNING  LAW.  This  Agreement  is  controlled  and  governed  by  the  laws  of  the  State  of  Missouri  except  to  the  extent  that  such  laws  are  inconsistent  with 
controlling federal law. 

OWNERSHIP. Your Card remains Our property and may be cancelled by Us at any time without notice. You agree to surrender Your Card and to discontinue its 
use immediately upon Our request. 

ISSUANCE OF  A PERSONAL IDENTIFICATION NUMBER. We will issue You a Personal Identification Number (PIN) for use with participating Automated 
Teller  Machines  (ATMs).  This  PIN  is  confidential  and  should  not  be  disclosed  to  anyone.  You  may  use  Your  P IN  to  access  Your  Account  and  all  sums 
advanced will be added to Your Account balance. In the event a use of Your PIN constitutes an Electronic Fund Transfer, the t erms and conditions of Your 
Electronic  Fund  Transfer  Agreement  may  also  affect  Your  rights.  Your  use  of  the  PIN  is  Your  authorization  to  Us  to  withdraw  funds  from  Your  Account  or 
charge Your Card to cover such transactions. 

EFFECT  OF  AGREEMENT.  Even  though  the  sales,  cash  advance,  credit  or  other  slips  You  may  sign  or  receive  when  using  Your  Card  contain  terms,  this 
Agreement is the contract which solely applies to all transactions involving the Card. 

UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card. You will not be liable for the unauthorized use that occurs after You notify Us of 
the  loss,  theft,  or  possible  unauthorized  use  by  calling  Us  at  the  telephone  number  shown  in  this  Agreement  or  by  writing  to  Us  at  the  address  shown  in  this 
Agreement. In any case, Your liability will not exceed $50.00. 

REFUSAL  TO  HONOR  CARDS.  We  are  not  liable  for  the  refusal  or  inability  of  merchants,  financial  institutions  and  others  to  accept  the  Cards,  or  electronic 
terminals to honor the Cards or complete a Card withdrawal, or for their retention of the Cards. 

FOREIGN TRANSACTIONS. For transactions initiated in foreign currencies, the exchange rate between the transaction currency and the billing currency (U.S. 
dollars) will be: (a) a rate selected by Mastercard from the range of rates available in wholesale currency markets for the applicable central processing date, which 
rate may vary from the rate Mastercard itself receives; or (b) the government-mandated rate in effect for the applicable central processing date. In each instance, 
You will be charged 1.00% calculated on the final settlement amount. 

TRANSACTION SLIPS. Your monthly statement will identify that merchant, electronic terminal or financial institution at which transactions  were made, but sales, 
cash advances, credit or other slips cannot be returned with the statement. 

LOST CARDS. To report lost or stolen Credit Cards or PINs, or any combination thereof, You will immediately call the following numbers: (314) 298-0055 or (800) 
522-6009  during  regular  business  hours. After  business  hours, for Mastercard  Platinum,  Mastercard Platinum  Rewards  or  Mastercard  Platinum  Secured  Credit 
Cards call (800) 449-7728 and for World Mastercard Credit Cards call (866) 820-2908. 

CREDITS. If  a  merchant  who  honors  Your  Card  gives You credit for  returns  or  adjustments, they will  do  so  by  sending  Us  a slip  which  will  be  posted  to  Your 
Account. If Your credits and payments exceed what You owe Us, We will hold and apply this credit against future purchases and cash advances, or if it is $1.00 or 
more refund it on Your written request or automatically deposit it to Your Regular Savings account after six months.   

ORAL  AGREEMENTS.  Oral  agreements  or  commitments  to  loan  money,  extend  credit  or  to  forbear  from  enforcing 
repayment of a debt including promises to extend  or renew such debt are not enforceable.  To protect You and Us from 
misunderstanding or disappointment, any agreements We reach covering such matters are contained in this writing, which 
is the complete and exclusive statement of the agreement between Us, except as We may later agree in writing to modify it. 

This notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement 

Your Billing Rights: Keep this Document for Future Use 

If You think there is an error on Your statement, write to Us at Our address shown in this Agreement. In Your letter, give us the following information: 

•  Account information: Your name and Account number. 
•  Dollar amount: The dollar amount of the suspected error. 
•  Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You believe it is a mistake. 

You must contact Us: 

•  Within 60 days after the error appeared on Your statement. 
•  At least three business days before an automated payment is scheduled, if You want to stop payment on the amount You think is wrong. 

You must notify Us of any potential errors in writing. You may call Us, but if You do We are not required to investigate any potential errors and You may have to 
pay the amount in question.  

When We receive Your letter, We must do two things: 

What Will Happen After We Receive Your Letter 

1)   Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We  have already corrected the error. 
2)   Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is correct. 

Copyright Oak Tree Business Systems, Inc., 2010-2017. All Rights Reserved. 

Page 3 of 4 

  OTBS 016CC FRB_ Web VANT (6/17) 
Rev. (6/17) 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
While We investigate whether or not there has been an error: 

•  We cannot try to collect the amount in question, or report You as delinquent on that amount. 
•  The charge in question may remain on Your statement, and  We may continue to charge You interest on that amount. 
•  While You do not have to pay the amount in question, You are responsible for the remainder of Your balance. 
•  We can apply any unpaid amount against Your Credit Limit. 

After We finish Our investigation, one of two things will happen: 

•  If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. 
•  If We do not believe there was a mistake: You will have to  pay the amount in question, along with applicable interest and fees. We will send You a statement of 

the amount You owe and the date payment is due. We may then report You as delinquent if You do not pay the amount We think You owe. 

If You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You still refuse to pay. If You do so, We cannot 
report You as delinquent without also reporting that You are questioning Your bill. We must tell You the name of anyone to whom We reported You as delinquent, 
and We must let those organizations know when the matter has been settled between Us. If We do not follow all of the rules above, You do not have to pay the 
first $50.00 of the amount You question even if Your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

If You are dissatisfied with the goods or services that You have purchased with Your Credit Card, and You have tried in good faith to correct the problem with the 
merchant, You may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 

1)   The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the purchase price must have been more 
than $50.00. (Note: Neither of these are necessary if Your purchase was based on an advertisement We mailed to You, or if We  own the company that sold 

  You the goods or services.) 

2)   You must have used Your Credit Card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses Your Credit Card  

  account do not qualify. 

3)   You must not yet have fully paid for the purchase. 

If all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing at Our address shown in this Agreement.  

While We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation, We will tell You Our decision. At that 
point, if We think You owe an amount and You do not pay, We may report You as delinquent. 

Copyright Oak Tree Business Systems, Inc., 2010-2017. All Rights Reserved. 

Page 4 of 4 

  OTBS 016CC FRB_ Web VANT (6/17) 
Rev. (6/17) 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
PRICING INFORMATION ADDENDUM – 
CREDIT CARD AGREEMENT 
AND DISCLOSURE STATEMENT 

THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR WORLD MASTERCARD, 
MASTERCARD  PLATINUM,  MASTERCARD  PLATINUM  REWARDS  AND  MASTERCARD  PLATINUM 
SECURED CREDIT CARDS. PLEASE BE SURE TO READ THIS ADDENDUM CAREFULLY AND NOTIFY US 
AT ONCE IF ANY PARTS ARE UNCLEAR. 

Interest Rate and Interest Charges 

Annual Percentage Rate 
(APR) For Purchases, 
Balance Transfers and 
Cash Advances 

World Mastercard:  11.74% - 26.74% depending on Your creditworthiness. 

These APRs will vary with the market based on the Prime Rate. 

Mastercard Platinum:  9.49% - 24.49% depending on Your creditworthiness. 

These APRs will vary with the market based on the Prime Rate. 

Mastercard Platinum Rewards:  11.24% - 26.24% depending on Your creditworthiness. 

These APRs will vary with the market based on the Prime Rate. 

Mastercard Platinum Secured:  19.49% - 24.49% depending on Your creditworthiness. 

These APRs will vary with the market based on the Prime Rate. 

Penalty APR And When it 
Applies 

29.49% 

  This APR will vary with the market based on the Prime Rate. 

This APR may be applied if: 
1)   You make a late payment. 

How  Long  Will  The  Penalty  APR  Apply?  If  Your  APRs  are  increased  for  this  reason,  the 
Penalty APR applied to transactions that occur after the increase may be applied indefinitely. 
For transactions that occurred prior to the effective date of the increase, the increase will apply 
indefinitely unless three consecutive payments are received on or before the due date during 
the three-month period following such increase. 

Paying Interest 

We will  not charge  You  interest on purchases  if  You  pay  Your entire balance owed each month 
within  25  days  from  Your  statement  closing  date.  We  will  begin  charging  interest  on  cash 
advances and balance transfers on the transaction date. 

Fees 

Transaction Fees 

  Foreign Transaction 

Penalty Fees 

1.00% of each foreign currency transaction in U.S. Dollars. 
1.00% of each U.S. Dollar transaction that occurs in a foreign country. 

  Returned Payment 
  Late Payment 

Up to $25.00 
For payments over $25.00, $10.00-$25.00 subject to Your payment amount. 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).” See Your 
Account Agreement for details. 

Billing Rights:  Information on  your rights to dispute transactions and how to exercise those rights is  provided  in  Your Account 
Agreement.  

FINANCE CHARGES. In the case of any transactions under Your World Mastercard, Mastercard Platinum, Mastercard Platinum Rewards or Mastercard Platinum 
Secured Credit Card(s), the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including 
new  transactions).  To  get  the  average  daily  balance,  We  take  the  beginning  balance  each  day,  add  any  new  purchases,  balance  transfers,  cash  advances, 
insurance premiums, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, 
We add up all the daily balances for the billing cycle and divide them by the number of days in the billing cycle. The Finance Charge for a billing cycle is computed 
by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. 
Copyright Oak Tree Business Systems, Inc., 2010-2017. All Rights Reserved. 

Page 1 of 2   

     OTBS 016ACC FRB_ Web VANT (12/17) 
Rev. (1/18) 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
You can avoid Finance Charges on purchases of goods and services by paying the full amount of the entire balance owed each month within 25 days of Your 
statement closing date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a 
Finance Charge. Cash advances and balance transfers are always subject to a Finance Charge from the date they are posted to Your Account. 

The Monthly Periodic Rate that will apply to Your unpaid World Mastercard balance will be 0.9783%  - 2.2283% (corresponding ANNUAL PERCENTAGE RATE 
11.74% - 26.74%), depending on Your creditworthiness. 

The Monthly Periodic Rate that will apply to Your unpaid Mastercard Platinum balance will be 0.7908% - 2.0408% (corresponding ANNUAL PERCENTAGE RATE 
9.49% - 24.49%), depending on Your creditworthiness. 

The  Monthly  Periodic  Rate  that  will  apply  to  Your  unpaid  Mastercard  Platinum  Rewards  balance  will  be  0.9367%  -  2.1867%  (corresponding  ANNUAL 
PERCENTAGE RATE 11.24% - 26.24%), depending on Your creditworthiness. 

The  Monthly  Periodic  Rate  that  will  apply  to  Your  unpaid  Mastercard  Platinum  Secured  balance  will  be  1.6242%  or  2.0408%  (corresponding  ANNUAL 
PERCENTAGE RATE 19.49% - 24.49%), depending on Your creditworthiness. 

For World  Mastercard,  the  Margin  will  be  7.24%  -  22.24%,  depending  on  Your  creditworthiness.  For  Mastercard  Platinum, the  Margin  will  be  4.99%  -  19.99%, 
depending on Your creditworthiness. For Mastercard Platinum Rewards, the Margin will be 6.74% - 21.74%, depending on Your creditworthiness. For Mastercard 
Platinum secured, the Margin will be 14.99% - 19.99%, depending on Your creditworthiness. 

Copyright Oak Tree Business Systems, Inc., 2010-2017. All Rights Reserved. 

Page 2 of 2   

     OTBS 016ACC FRB_ Web VANT (12/17) 
Rev. (1/18)