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 March 1, 2018. You can call 
Us at (800) 848-0018 or write Us at P.O. Box 96730, Bellevue, WA 98009-7730 to inquire if any changes have occurred 
since the effective date. 

Interest Rate and Interest Charges 

Annual Percentage Rate 
(APR) For Purchases 

Share Secured VISA Gold: 13.99% 

This APR will vary with the market based on the Prime Rate. 

VISA Gold: 8.99% - 26.99% depending on Your creditworthiness. 

This APR will vary with the market based on the Prime Rate. 

VISA Rewards: 10.99% - 27.99% depending on Your creditworthiness. 

This APR will vary with the market based on the Prime Rate. 

Annual Percentage Rate  
(APR) For Balance Transfers 

Share Secured VISA Gold: 13.99% 

This APR will vary with the market based on the Prime Rate. 

VISA Gold: 8.99% - 26.99% depending on Your creditworthiness. 
This APR will vary with the market based on the Prime Rate. 

VISA Rewards: 10.99% - 27.99% depending on Your creditworthiness. 
This APR will vary with the market based on the Prime Rate. 

Annual Percentage Rate  
(APR) For Cash Advances 

Share Secured VISA Gold: 13.99% 

This APR will vary with the market based on the Prime Rate. 

VISA Gold: 8.99% - 26.99% depending on Your creditworthiness. 
This APR will vary with the market based on the Prime Rate. 

VISA Rewards: 10.99% - 27.99% depending on Your creditworthiness. 
This APR will vary with the market based on the Prime Rate. 

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. 

Fees 

Transaction Fees 

  Foreign Transaction 
  Cash Advance 

1.00% of each transaction in U.S. dollars 
2.00% of each advance 

Penalty Fees 

  Returned Payment 
  Late 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).” See Your 
Account Agreement for details. 

Copyright Oak Tree Business Systems, Inc., 2013-2018. All Rights Reserved.                   

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