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 August 1, 2022. You can call Us at (402) 292-8000 
or write Us at P.O. Box 1149, Bellevue, NE 68505-1149 to inquire if any changes have occurred since the effective date. 

Interest Rate and Interest Charges

Annual Percentage Rate 
(APR) For Purchases 

VISA Business: 9.75% - 17.99% based on Your creditworthiness. 
      This APR will vary with the market based on the Prime Rate. 

VISA Classic: 11.25% - 17.99% based on Your creditworthiness. 
      This APR will vary with the market based on the Prime Rate. 

VISA Signature: 12.25% - 17.99% based on Your creditworthiness. 
      This APR will vary with the market based on the Prime Rate. 

APR For Balance Transfers 

VISA Business: 9.75% - 17.99% based on Your creditworthiness. 
      This APR will vary with the market based on the Prime Rate. 

VISA Classic: 11.25% - 17.99% based on Your creditworthiness. 
      This APR will vary with the market based on the Prime Rate. 

VISA Signature: 12.25% - 17.99% based on Your creditworthiness. 
       This APR will vary with the market based on the Prime Rate. 

APR For Cash Advances 

VISA Business: 12.75% - 17.99% based on Your creditworthiness. 
      This APR will vary with the market based on the Prime Rate. 

Penalty APR and When  
it Applies 

VISA Classic: 14.25% - 17.99% based on Your creditworthiness. 
      This APR will vary with the market based on the Prime Rate. 

VISA Signature: 15.25% - 17.99% based on Your creditworthiness. 
      This APR will vary with the market based on the Prime Rate. 

 17.99% 

This APR will vary with the market based on the Prime Rate. 

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 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. 

Fees

Transaction Fees 

  Cash Advance 
  Foreign Transaction 

3.00% of the amount of each advance, subject to a minimum of $10.00. 
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. 

Penalty Fees 

  Returned Payment 
  Late Payment 

Up to $29.00 
Up to $29.00  

  How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." 

Copyright Oak Tree Business Systems, Inc., 2015-2022. All Rights Reserved.                                                                                                                                      OTBS 054 Web SACF (7/22)