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 ____________________. 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 Purchases 

VISA Luna: ________% - ________% based on Your creditworthiness.

This APR will vary with the market based on the Prime Rate. 

VISA Pirate Pride: ________% - ________% 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 
Transfers 

VISA Luna: ________% - ________% based on Your creditworthiness. 

This APR will vary with the market based on the Prime Rate. 

VISA Pirate Pride: ________% - ________% 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 Pirate Pride: ________% - ________% 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 
Applies 

Up to 18.00% 

The APR may be applied if You: 
1) Make a late payment;
2) Are otherwise in default under this Agreement.

How Long 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.  For 
transactions that you make after the effective date of the increase, the Penalty Rate may 
be applied indefinitely.

VISA Pirate Pride: ________% 

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 Purchases 

Your 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 
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.

SEE TOP OF PAGE 2 for more important information about Your Account 

Copyright Oak Tree Business Systems, Inc., 2012-2016. All Rights Reserved.       

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Annual Fee

Transaction Fees 

•

Foreign Transaction

Penalty Fees 

• Returned Payment
•
Late Payment

 VISA Luna, $29.00 

 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. 

Up to $ _________ 
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 Preferential APR and apply the Penalty Rate if your direct deposit is interrupted. 

SEE PAGE 1 for more important information about Your Account 

Copyright Oak Tree Business Systems, Inc., 2012-2016. All Rights Reserved.       

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