Copyright Oak Tree Business Systems, Inc., 2018-2021. All Rights Reserved. Page 1 of 2   OTBS 016A FRB_Web LAFR (3/21) 
815 Colorado Boulevard 
Los Angeles, CA 90041
(800) 231-1626PRICING INFORMATION ADDENDUM   
CREDIT LINE ACCOUNT AGREEMENT
AND FEDERAL DISCLOSURE STATEMENT  
THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR  CLASSIC VISA, SECURED CLASSIC VISA, PLATINUM VISA, SECURED PLATINUM VISA, 
CALIFORNIA PROFESSIONAL FIREFIGHTERS ("CPF") VISA, PROFESSIONAL FIREFIGHTERS OF ARIZONA ("PFFAZ") VISA, AND WA STATE COUNCIL OF FIREFIGHTERS 
("WSCFF") VISA CREDIT CARD AGREEMENT AND DISCLOSURE. 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  
Classic VISA : 11.99%  
  
Secured Classic VISA:  11.99%   
 
Platinum VISA : 8.99%  - 16.99%  based on Your creditworthiness. 
  
California Professional Firefighters ("CPF") VISA:  8.99%  - 16.99%  based on Your 
creditworthiness.  
 
Professional Firefighters Arizona ("PFFAZ") VISA:  8.99%  - 16.99%  based on Your 
creditworthiness.  
 
WA State Council of Firefighters ("WSCFF") VISA:  8.99%  - 16.99%  based on Your 
creditworthiness. 
 
APR For Balance Transfers  
Classic VISA : 11.99%  
  
Secured Classic VISA:  11.99%  
 
Platinum VISA : 8.99% - 16.99% based on Your creditworthiness. 
  
California Professional Firefighters ("CPF") VISA:  8.99% - 16.99% based on Your 
creditworthiness.  
 
Professional Firefighters Arizona ("PFFAZ") VISA:  8.99% - 16.99% based on Your 
creditworthiness.  
 
WA State Council of Firefighters ("WSCFF") VISA:  8.99% - 16.99%  based on Your 
creditworthiness. 
 
APR For Cash Advances  
Classic VISA : 11.99%  
  
Secured Classic VISA:  11.99%  
 
Platinum VISA : 8.99% - 16.99% based on Your creditworthiness. 
  
California Professional Firefighters ("CPF") VISA:  8.99% - 16.99% based on Your 
creditworthiness.  
 
Professional Firefighters Arizona ("PFFAZ") VISA:  8.99% - 16.99% based on Your 
creditworthiness.  
 
WA State Council of Firefighters ("WSCFF") VISA:  8.99% - 16.99%  based on Your 
creditworthiness. 
 
Paying Interest  
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. We will begin charging interest on cash advances 
and balance transfers on the transaction date. 
 
Minimum Interest Charge  
For VISA, if You are charged interest, the charge will be no less than $1.00. 
 
Please refer to TOP OF PAGE 2 for more important information about Your Account  Copyright Oak Tree Business Systems, Inc., 2018-2021. All Rights Reserved. Page 2 of 2   OTBS 016A FRB_Web LAFR (3/21) Fees 
Penalty Fees
Returned Payment
Late Payment 
Up to $22.00 
Up to $15.00  
How We Will Calculate Your Balance:   
Please refer to PAGE 1 for more important information about Your Account 
 
 
 
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 of Your Account each day, add any new purchases, balance transfers, cash advances, 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 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. Balance transfers and cash advances 
are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the transaction is posted to 
Your Account.
If You are charged interest, the charged will be no less than $1.00. 
Your Classic VISA is subject to a Monthly Periodic Rate of 0.9992% (corresponding to an ANNUAL PERCENTAGE RATE  of 11.99%). 
Your Secured Classic VISA is subject to a Monthly Periodic Rate of 0.9992% (corresponding to an ANNUAL PERCENTAGE RATE  of 11.99%). 
Your Platinum VISA is subject to a Monthly Periodic Rate of 0.7492% - 1.4158% (corresponding to an ANNUAL PERCENTAGE RATE  of 8.99% - 16.99%), based on  
Your creditworthiness. 
Your CPF VISA is subject to a Monthly Periodic Rate of 0.7492% - 1.4158% (corresponding to an ANNUAL PERCENTAGE RATE  of 8.99% - 16.99%), based on  
Your creditworthiness. 
Your PFFAZ VISA is subject to a Monthly Periodic Rate of 0.7492% - 1.4158% (corresponding to an ANNUAL PERCENTAGE RATE  of 8.99% - 16.99%), based on  
Your creditworthiness. 
Your WSCFF VISA is subject to a Monthly Periodic Rate of 0.7492% - 1.4158% (corresponding to an ANNUAL PERCENTAGE RATE  of 8.99% - 16.99%), based on  
Your creditworthiness.  Copyright Oak Tree Business Systems, Inc., 2021. All Rights Reserved.  Page 1 of 1  OTBS 016CC A FRB_WEB LAFR (3/21) PRICING INFORMATION ADDENDUM -
CREDIT CARD AGREEMENT 
AND DISCLOSURE STATEMENT  
THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR VISA 
SIGNATURE CREDIT CARD AGREEMENT. PLEASE BE CERTAIN 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 VISA Signature:  10.99% - 17.99% when You open Your Account,
based on Your creditworthiness. 
After that, this APR will vary with the market based on the Prime Rate. 
Annual Percentage Rate 
(APR) For Balance Transfers  VISA Signature:  10.99% - 17.99% when You open Your Account, based on Your 
creditworthiness. 
After that, this APR will vary with the market based on the Prime Rate. 
Annual Percentage Rate 
(APR) For Cash Advances  VISA Signature:  10.99% - 17.99% when You open Your Account, based on Your 
creditworthiness. 
After that, this APR will vary with the market based on the Prime Rate. 
Paying Interest 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. We will begin charging interest on 
cash advances and balance transfers on the transaction date. 
Minimum Interest Charge If You are charged interest, the charge will be no less than $1.00. 
Fees 
Penalty Fees 
Late Payment  
Returned Payment  Up to $15.00  
Up to $22.00 
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your 
Account Agreement for details.  
FINANCE CHARGES. 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 of Your Account each day, add any new purchases, balance transfers, cash advances, 
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 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. Balance transfers and cash 
advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the transaction 
is posted to Your Account. 
The Monthly Periodic Rate for Purchases is .916%  - 1.50% (corresponding ANNUAL PERCENTAGE RATE  10.99% - 17.99%) depending on Your creditworthiness. 
The Monthly Periodic Rate for Balance Transfers is .916% - 1.50% (corresponding ANNUAL PERCENTAGE RATE  10.99% - 17.99%) depending on Your creditworthiness. 
The Monthly Periodic Rate for Cash Advances is .916% - 1.50% (corresponding ANNUAL PERCENTAGE RATE  10.99% - 17.99%) depending on Your creditworthiness. 
If You are charged interest, the charge will be no less than $1.00. 
VARIABLE RATE.  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 last day of each billing cycle ("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 that immediately follows a change in the Index. Increases or decreases in the Interest Rate will cause like increases 
or decreases in the Finance Charge and will affect the number of Your regularly scheduled payments. Changes in the rate will apply to Your remaining principal balance 
and will not be greater than 18.00%. 
The Margin for Purchases is 7.74 - 14.74 depending on Your creditworthiness. 
The Margin for Balance Transfers is 7.74 - 14.74 depending on Your creditworthiness. 
The Margin for Cash Advances is 7.74 - 14.74 depending on Your creditworthiness.