4801 Kennedy Avenue 
Cincinnati, OH 45209 
(513) 333-3800 

IMPORTANT  CREDIT  CARD  DISCLOSURES.  The  following  disclosure  represents  important  details  concerning  Your  Credit 
Card. The information about costs of the Card is accurate as of the effective date of _________________. You can call Us at 
(513) 333-3800 or write Us at 4801 Kennedy Avenue, Cincinnati, OH 45209 to inquire if any changes have occurred since the 
effective date. 

Interest Rate and Interest Charges 

Annual Percentage Rate      
(APR) For Purchase 

APR For Balance Transfers 

APR For Cash Advances 

Mastercard  World:  ________%  -  ________%  based  on  Your 
creditworthiness. This APR will vary with the market based on the Prime Rate.  

11.74

18.00

Secured Mastercard World: ________% - ________% based on Your 
creditworthiness. This APR will vary with the market based on the Prime Rate.  

18.00

18.00

Mastercard  Platinum:  ________%  -  ________%  based  on  Your 
creditworthiness. This APR will vary with the market based on the Prime Rate.  

15.90

8.90

Secured  Mastercard  Platinum: ________%  -  ________%  based  on 
Your creditworthiness. This APR will vary with the market based on the Prime Rat e. 

15.90

15.90

Mastercard World:  __________%  - __________% based on Your creditworthiness. 
This APR will vary with the market based on the Prime Rate. 

11.74

18.00

Secured  Mastercard  World:  __________%  -  __________%  based  on  Your 
creditworthiness. This APR will vary with the market based on the Prime Rate.  

18.00

18.00

Mastercard  Platinum:  __________% 
creditworthiness. This APR will vary with the market based on the Prime Rate.  

-  __________%  based  on  Your 

8.90

15.90

Secured  Mastercard  Platinum:  __________%  -  __________%  based  on  Your    
creditworthiness. This APR will vary with the market based on the Prime Rate.  

15.90

15.90

Mastercard World:  __________%  - __________% based on Your creditworthiness. 
This APR will vary with the market based on the Prime Rate. 

11.74

18.00

Secured  Mastercard  World:  __________%  -  __________%  based  on  Your 
creditworthiness. This APR will vary with the market based on the Prime Rate.  

18.00

18.00

Mastercard  Platinum:  __________% 
creditworthiness. This APR will vary with the market based on the Prime Rate.  

-  __________%  based  on  Your 

8.90

15.90

Secured  Mastercard  Platinum:  __________%  -  __________%  based  on  Your 
creditworthiness. This APR will vary with the market based on the Prime Rate.  

15.90

15.90

Penalty APR And When 
it Applies 

18.00% 

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 6 consecutive payments are received on or 
before the due date during the six-month period following such increase. 

How to Avoid Paying Interest on 
Purchases 

We will not charge You interest on purchases if You pay Your entire balance owed 
each month within 25 days of Your statement closing 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. 

Minimum Interest Charge 

If You are charged interest, the charge will be no less than $0.50.  

Fees  

Annual Fee 

Transaction Fees 

Up to $25.00 

  Cash Advance 
  Foreign Transaction 

 For Mastercard, 3.00% of each advance ($10.00 minimum). 
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. 

Copyright Oak Tree Business Systems, Inc., 2019-2021. All Rights Reserved.                     Page 1 of 2                                                                                                        OTBS 054 CICU (12/21) 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Fees (Continued) 

Penalty Fees 

  Over-The-Credit-Limit 
Late Payment 
 
  Returned Payment 

Up to $33.00 
Up to $33.00 
Up to $33.00 

How We Will Calculate Your Balance: We use a method called <average daily balance (including new purchases).=  

Copyright Oak Tree Business Systems, Inc., 2019-2021. All Rights Reserved.                     Page 2 of 2                                                                                                        OTBS 054 CICU (12/21)