CREDIT CARD DISCLOSURES. 

IMPORTANT 
The information 
292-8000 

about costs 

of the Card is accurate 
or write Us at P.O. Box 1149, Bellevue, 

The following 

disclosure 

as of the effective 

represents 

concerning 
important details 
date of  01/07/19 . You can call Us at (402) 

Your Credit 

Card. 

NE 68005-1149 

to inquire 

if any changes 

have occurred 

since the 

effective 

date.

Interest 

Rate and Interest 

Charges 

Annual Percentage 
(APR) For Purchases 

Rate 

VISA Business: 10.50% - 17 .99% 

Your creditworthiness.

based on 
on the Prime Rate. 

This APR will vary 

with the market based 

VISA Classic: 10.00% - 17 .99% 
with the market based on 

This APR will vary 

based on 

the Prime Rate. 

Your creditworthiness.

VISA Signature: 

11.00% - 17 .99% 

based on Your creditworthiness.

This APR will vary 

with the market based on 

the Prime Rate. 

APR For Balance 

Transfers 

VISA Business: 

10.50% -17 .99% based on Your creditworthiness. 

This APR will vary 

with the market based on 

the Prime Rate. 

VISA Classic: 

10.00% -17.99% based on Your creditworthiness. 

This APR will vary 

with the market based on 

the Prime Rate. 

VISA Signature: 

11.00% -17.99% based on Your creditworthiness. 

This APR will vary 

with the market based on 

the Prime Rate. 

APR For Cash Advances 

VISA  Business: 

13.50% -17 .99% based on Your creditworthiness. 

This APR will vary 

with the market based on 

the Prime Rate. 

VISA Classic: 

13.00% -17.99% based on Your creditworthiness. 

This APR will vary 

with the market based on 

the Prime Rate. 

VISA Signature: 

14.00% -17.99% based on Your creditworthiness. 

This APR will vary 

with the market based on 

the Prime Rate. 

17.99% 

This APR will vary 

with the market based on 

the Prime Rate. 

This APR 
1)You make a late payment.

may be applied 

if: 

Penalty APR and When 
it Applies 

How Long Will The Penalty 
the Penalty 
or before 

APR will apply indefinitely 
the six-month 

date during 

the due 

APR Apply? If Your APRs are 

increased 
payments 
such increase. 

for this reason, 
are received 

on 

unless 6 consecutive 

period following 

How to Avoid Paying 
Interest 

on Purchases 

We  will 
month within 

not charge You interest 

25 days of Your statement 

on purchases 
closing 

if You pay Your entire 
date. 

balance 

owed each 

For Credit Card Tips from 
the Consumer Financial 
Bureau 
Protection 

To learn more about factors 
visit the website 
http:www.consu

when applying 
Protection 
of the Consumer Financial 
merfinance.gov/learnmore

to consider 

Bureau at 

. 

for or using a Credit Card, 

Fees 

Fees 

Transaction 
• Cash Advance
• Foreign Transaction

$10.00 or 3.00% of the amount of each advance, 
1.00% of each foreign 
transaction 
1.00% of each U.S. Dollar 

whichever 
in U.S. Dollars. 
that occurs in a foreign 

transaction 

currency 

country. 

is greater. 

Penalty Fees 

• Returned 
• Late Payment

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 .. 2015 -

2018. All Rights Reserved. 

OTBS 054 Web SACF (12/18)