Copyri ght Oak Tree Business Systems, Inc., 2012-2019. All Rights Reserved. OT BS 054 NUME ( 6/19)IMPORTANT CREDIT CARD DISCLOSURES. The following D isclosure 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.
Interest Rate and Interest Charges
Annual Percentage Rate
(APR) For PurchasesVISA Luna: _______% -_______% based on Your creditworthiness.
This APR will vary with the market based on the Prime Rate.
VISA Platinum: _______% -_______% based on Your creditworthiness.
This APR will vary with the market based on the Prime Rate.
Secured VISA: _______%
VISA Gold: _______% -_______% based on Your creditworthiness.
APR For Balance
TransfersVISA Luna: _______% - _______% based on Your creditworthiness.
This APR will vary with the market based on the Prime Rate.
VISA Platinum: _______% - _______% based on Your creditworthiness.
This APR will vary with the market based on the Prime Rate.
Secured VISA: _______%
VISA Gold: _______% - _______% based on Your creditworthiness.
APR For Cash Advances VISA Luna: _______% - _______% based on Your creditworthiness.
This APR will vary with the market based on the Prime Rate.
VISA Platinum: _______% - _______% based on Your creditworthiness.
This APR will vary with the market based on the Prime Rate.
Secured VISA: _______%
VISA Gold: _______% - _______% based on Your creditworthiness.
Penalty APR And When it
AppliesUp to 18.00%
The APR may be applied if You:
1) Make a late payment;
2) Are otherwise in default under this Agreement.
How Lon g 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. F or
transactions that you make after t he effective date of the increase, the Penalty Rate may be
applied indefinitely.
VISA Platinum: _______%
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 PurchasesYour 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.
For Credit Card Tips from
the Consumer F inancial
Protection BureauTo learn more abo ut factors to consid er when applying for or using a Credit Card, visit
the website of the Consumer Financial Protection Bureau at
http://www.consu merfinance.go v/learnmore .
Fees
Annual Fee VISA Luna, $29.00
Transaction Fees
Cash Advance
Overdraft Transfer
Foreign TransactionUp 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 .
Penalty Fees
Returned Payment
Late PaymentUp 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 Preferentia l APR and apply the Penalty Rate if your direct deposit is interrupted.����������
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