Card Issuer’s Name and Address 

Watermark Credit Union 
808 Howell ST 
Seattle, WA  98101 

Name of Credit Card Program: Visa Gold 

PRICING ADDENDUM – CREDIT CARDS 
FOR SUBMISSION TO THE FEDERAL RESERVE BOARD 

Card Issuer’s RSSD or tax 
identification number: 
91-0575915 

Date Submitted: January 31, 2011 

Replaces Addendum Submitted on: February 22, 2010 

INTEREST RATES and INTEREST CHARGES: 
Annual Percentage Rate (APR) for Purchases, Cash Advances & Balance Transfers: 13.49% - 18.00% 
depending on your credit history, This APR will vary with the market based on the Prime Rate*. 

How to Avoid Paying Interest: Your due date is at least 21 days after we mail your billing statement. We will not charge 
you interest on purchases if you pay your entire new purchase balance by the due date each month. 

For Credit Card Tips from the Federal Reserve Board: To learn more about factors to consider when applying for or 
using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard 

FEES: 

Fees to Open or Maintain your Account: 

-  Annual Fee: $25.00 
-  Application Fee: None 

Transaction Fees: 

-  Balance Transfer: None 
-  Cash Advance: $10.00 of each cash advance 

Foreign  Transaction:  1.00%  of  each  transaction  in  U.S.  dollars  if  the  transaction  involves  a  currency 
conversion. .08% of each transaction in U.S. dollars if the transaction does not involve a currency conversion 

-  Debt Consolidation Fee: $5.00 for each check 

Penalty Fees: 

Late Payment: up to $25.00 if your payment is late 3 days or more 

- 
-  Over-the-Credit Limit: None 
-  Returned Payment: None 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).” 

*Variable Rates: The Annual Percentage Rate may increase or decrease if the highest rate of interest identified as the 
'Prime Rate' in the 'Money Rates' column of the Wall Street Journal increases or decreases 5 days before the end of each 
month. The Annual Percentage Rate will be equal to the Prime Rate plus a margin of:  A Tier 10.24%; B Tier 11.24%; C 
Tier 13.44%; D Tier 14.75%; or E Tier 14.75%. The interest rate can change on the first day of the next months statement 
cycle. The Annual Percentage Rate will never be more than 18.00%. Any increase will take the form of more payments of 
the same amount. 

Monthly Periodic Rates: Purchases: 1.124%-1.50%; Cash Advances: 1.124%-1.50%; Balance Transfers: 1.124%-1.50%