IMPORTANT CREDIT CARD DISCLOSURES. The following D isclosure repres ents 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) 433-1837 or write Us at P.O. Box 4000, Spokane Valley, WA 99037 to inquire if any changes have occurred since
the effective date.

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Interest Rate and Interest Charges

Annual Percentage Rate
(APR) For Purchases

APR For Balance
Transfers

APR For Cash Advances

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VISA Luna: _______% - _______% bas ed on Your creditworthiness.

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This APR will v ary with the market based on the Prime Rate.

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VISA Platinum: _______% - _______% bas ed on Your creditworthiness.

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This APR will v ary with the market based on the Prime Rate.

Secured VISA: _______%

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VISA Gold: _______% - _______% bas ed on Your creditworthiness.

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VISA Luna: _______% - _______% bas ed on Your creditworthiness.

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This APR will v ary with the market based on the Prime Rate.

VISA Platinum: _______% - _______% bas ed on Your creditworthiness.

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This APR will v ary with the market based on the Prime Rate.

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Secured VISA: _______%

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VISA Gold: _______% - _______% based on Your creditworthiness.

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VISA Luna: _______% - _______% bas ed on Your creditworthiness.

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This APR will v ary with the market based on the Prime Rate.

VISA Platinum: _______% - _______% bas ed on Your creditworthiness.

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This APR will v ary with the market based on the Prime Rate.

Secured VISA: _______%

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VISA Gold: _______% - _______% based on Your creditworthiness.

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Penalty APR And When it
Applies

Up to 18.00%

The APR may be applied if You:
1) Make a late payment;
2) Are otherwise in default under this Agreement.

How Lon g Will The Penalty APR Apply? If Your APRs are increased for these reas ons,
for transactions that you make prior to the effective date of the increase, the Penalty Rate
will apply until you make the next s ix consecutive minimum payments when due. F or
trans actions that you make after the effec tive date of the increase, the Penalty Rate may be
applied indefinitely .

VISA Platinum: _______%

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The APR may be applied if You:
1) Discontinue Direct Deposit

How Long Will The Penalty APR Apply? If Your APR is increas ed for this reas on the
Penalty Rate may be applied indefinitely.

How to Avoid Paying
Interest on Purchases

Your due date is at least 25 days after the clos e 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.

For Credit Card Tips from
the Consumer F inancial
Protection Bureau

To learn m ore abo ut factor s to consid er when applying for or using a Credit Card, visit
the website of the Consumer Financial Pr otection Bur eau at
http://www.consu merfinance.go v/learnm ore.

Fees

Annual Fee

Transaction Fees

VISA Luna, $29.00

Cash Advanc e
Overdraft Transfer
Foreign Transaction

Up to $0.75
$5.00
Except VISA Luna, ________% of each foreign currency transaction in U.S. dollars.
Except VISA Luna, ________% of each U.S. Dollar transaction that occurs in a foreign country.

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Penalty Fees

Returned Payment
Late Payment

Up to $25.00
Up to 5.00% of the payment due or $25.00 after 10 days (depending on Your state of residence when
You applied for credit)

How We Will Calculate Your Balance: We us e a method called "av erage daily balance (including new purchas es)."

Loss of Preferential APR: We may end Your Preferential APR and apply the Penalty Rate if your direct deposit is interrupted.

Copyri ght Oak Tree Business S yst ems, I nc. , 2012-2019. A ll Rights Reserved.

OT BS 054 NUME (6/ 19)