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.