Important  VISA  Credit  Card  Disclosure.  The  following  disclosure  represents  important  details  concerning 
your  VISA  Credit  Card.  The  information  about  costs  of  the  Card  are  accurate  as  of  the  effective  date  of 
____________________.  You  can  call  or  write  to  Us  at  the  address  or  telephone  number  shown  herein  to 
inquire if any changes have occurred since the effective date. 

Interest Rate and Interest Charges 

Annual Percentage Rate (APR) 
For Purchases  

VISA: _______% 

VISA Classic: _______% 

Annual Percentage Rate (APR) 
For and Balance Transfers 

Annual Percentage Rate (APR) 
For Cash Advances 

VISA Platinum: _______% 

VISA Gold: _______% 

Your APR will vary with the market based on the Prime Rate. 

VISA: _______% 

VISA Classic: _______% 

VISA Platinum: _______% 
VISA Gold: _______% 

Your APR will vary with the market based on the Prime Rate. 

VISA: _______% 

VISA Classic: _______% 

VISA Platinum: _______% 
VISA Gold: _______% 

Your APR will vary with the market based on the Prime Rate. 

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 from 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 

  Foreign Transaction 

2.00% of each foreign currency transaction in U.S. dollars. 
1.80% of each U.S. Dollar transaction that occurs in a foreign country. 

Penalty Fees 

Late Payment 
 
  Returned Payment 

Up to $25.00  
Up to $28.00 

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  "average  daily  balance  (including  new 
purchases).” See Your Account Agreement for details. 

Copyright Oak Tree Business Systems, Inc. 2014. All Rights Reserved. 

          OTBS 054  KITS (8/14) 

January 1, 201617.9013.009.906.4017.9013.009.906.4017.9013.009.906.40