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) 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.

12/01/2019

Interest Rate and Interest Charges

Annual Percentage Rate
(APR) For Purchases

17.900
VISA Luna: _______% - _______% based on Your creditworthiness.

13.490

This APR will vary with the market based on the Prime Rate.

17.900
VISA Platinum: _______% - _______% based on Your creditworthiness.

9.740

This APR will vary with the market based on the Prime Rate.

Secured VISA: _______%

17.900

17.900
VISA Gold: _______% - _______% based on Your creditworthiness.

8.900

APR For Balance
Transfers

APR For Cash Advances

VISA Luna: _______% - _______% based on Your creditworthiness.

17.900

13.490

This APR will vary with the market based on the Prime Rate.

VISA Platinum: _______% - _______% based on Your creditworthiness.

17.900
This APR will vary with the market based on the Prime Rate.

9.740

Secured VISA: _______%

17.900

VISA Gold: _______% - _______% based on Your creditworthiness.

17.900

8.900

VISA Luna: _______% - _______% based on Your creditworthiness.

17.900

17.900

This APR will vary with the market based on the Prime Rate.

VISA Platinum: _______% - _______% based on Your creditworthiness.

17.900
This APR will vary with the market based on the Prime Rate.

12.740

Secured VISA: _______%

17.900

VISA Gold: _______% - _______% based on Your creditworthiness.

17.900

13.900

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 Long Will The Penalty APR Apply? If Your APRs are increased for these reasons,
for transactions that you make prior to the effective date of the increase, the Penalty Rate
will apply until you make the next six consecutive minimum payments when due. For
transactions that you make after the effective date of the increase, the Penalty Rate may be
applied indefinitely.

VISA Platinum: _______%

17.900

The APR may be applied if You:
1) Discontinue Direct Deposit

How Long Will The Penalty APR Apply? If Your APR is increased for this reason the
Penalty Rate may be applied indefinitely.

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
any interest on purchases if You pay Your entire balance by the due date each month.

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Fees

Annual Fee

Transaction Fees

’ Cash Advance
’ Overdraft Transfer
’

Foreign Transaction

Penalty Fees

’ Returned Payment
’ Late Payment

VISA Luna, $29.00

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.

0.80
1.00

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 use a method called "average daily balance (including new purchases)."

Loss of Preferential APR: We may end Your Preferential APR and apply the Penalty Rate if your direct deposit is interrupted.

Copyright Oak Tree Business Systems, Inc., 2012-2019. All Rights Reserved.

OTBS 054 NUME (6/19)