Copyright Oak Tree Business Systems, Inc., 2014-2022. All Right s Reserved. Page 1 of 2       OTBS 016A FRB_Web PREM (5/22) 
Rev. (5/22) PRICING INFORMATION ADDENDUM 
CREDIT LINE ACCOUNT 
AGREEMENT AND DISCLOSURE 
THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMA TION FOR YOUR MASTERCARD, STUDENT 
MASTERCARD, SECURED MASTERCARD, PREMIER PRIVILEGES REWARDS MASTERCARD, AND PREMIER 
FIRST REWARDS MASTERCARD CREDIT CARDS. PLEASE BE CE RTAIN TO READ THIS ADDENDUM CAREFULLY 
AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCL EAR.  
Interest Rate and Interest Charges 
Annual Percentage 
Rate (APR) For 
Purchases Mastercard: 0.00% introductory APR for 6 months. 
After that, Your APR will be 11.99%�18.99% based on Your creditworthiness and 
will vary with the market based on the Prime Rate. 
Student Mastercard: 0.00% introductory APR for 6 months. 
After that, Your APR will be 11.25% and will vary with the market based on the Prime R ate. 
Secured Mastercard: 12.65%�19.65% based on Your creditworthiness. 
This APR will vary with the market based on the Pri me Rate. 
Premier Privileges Rewards Mastercard: 0.00% introductory APR for 6 months. 
After that, Your APR will be 10.99%�20.49% based on Your creditworthiness. 
Annual Percentage 
Rate (APR) For 
Balance Transfers Mastercard: 0.00% introductory APR for 6 months. 
After that, Your APR will be 11.99%�18.99% based on Your creditworthiness and will vary with 
the market based on the Prime Rate. 
Student Mastercard: 0.00% introductory APR for 6 months. 
After that, Your APR will be 11.25% and will vary with the market based on the Prime Ra te. 
Secured Mastercard: 12.65%�19.65% based on Your creditworthiness. 
This APR will vary with the market based on the Pri me Rate. 
Premier Privileges Rewards Masterc ard: 0.00% introductory APR for 6 months. 
After that, Your APR will be 10.99%�20.49% based on Your creditworthiness. 
Annual Percentage 
Rate (APR) For Cash 
Advance Mastercard: 0.00% introductory APR for 6 months. 
After that, Your APR will be 11.99%�18.99% based on Your creditworthiness and will vary with 
the market based on the Prime Rate. 
Student Mastercard: 0.00% introductory APR for 6 months. 
After that, Your APR will be 11.25% and will vary with the market based on the Prime Ra te. 
Secured Mastercard: 12.65%�19.65% based on Your creditworthiness. 
This APR will vary with the market based on the Pri me Rate. 
Premier Privileges Rewards Mastercard: 0.00% introductory APR for 6 months. 
After that, Your APR will be 10.99% �20.49% based on Your creditworthiness.        
Paying Interest Your due date is at least 25 days after the close o f each billing cycle. We will not charge You any 
interest on purchases if You pay Your entire balanc e by the due date each month. For all Feature 
Categories We will begin charging interest on balan ce transfers and cash advances on the 
transaction date. 
SEE PAGE 2 for more important information about Your Acc ount 
 Copyright Oak Tree Business Systems, Inc., 2014-2022. All Right s Reserved. Page 2 of 2       OTBS 016A FRB_Web PREM (5/22) 
Rev. (5/22) Fees 
Transaction Fees 
�Foreign Transaction 
�Cash Advance For Credit Cards (except Premier Privileges Rewards Mastercard), 1.00% of each foreign currency 
transaction in U.S. Dollars. 
For Credit Cards (except Premier Privileges Rewards Mastercard), 1.00% of each U.S. Dollar 
transaction that occurs in a foreign cou ntry. 
The greater of 3.00% of each transaction or $3.00 .
Penalty Fees 
�Late Payment Up to $15.00 
How We Will Calculate Your Balance: We use a method called "average daily balance (inclu ding new purchases)." See Your 
Account Agreement for details. 
Billing Rights:  Information on Your rights to dispute transactions  and how to exercise those rights is provided in Yo ur  
Account Agreement. 
SEE PAGE 1 for more important information about Your Acc ount 
CREDIT CARD FINANCE CHARGES 
The balances subject to the periodic Finance Charge a re the average daily balances outstanding during the b illing cycle. The Finance Charge for a billing cycle is computed by 
applying the Daily Periodic Rate to the average dail y balance during the billing cycle. To get the avera ge daily balance, We take the beginning balance of Your Account each 
day, add any new purchases, balance transfers, cash a dvances, insurance premiums, debit adjustments and a ny applicable fees, and subtract any payments, credi ts and 
unpaid Finance Charges or Late Fees. Then, We add u p all the daily balances for the billing cycle and divide them by the number of days in the billing cy cle which We multiply 
by the Daily Periodic Rate. These daily Finance Char ges are then added together and the sum is the amount  of Your total new Finance Charge due. 
You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each mont h within 25 days of Your statement closing date. Ot herwise, the 
new balance of purchases, and subsequent purchases f rom the date they are posted to Your Account, will b e subject to a Finance Charge. Balance transfers and c ash advances 
are always subject to a Finance Charge from the later of the date they are posted to Your Account or from t he first day of the billing cycle in which the tran saction is posted to 
Your Account. 
Your Mastercard is subject to a discounted introductory  Daily Periodic Rate of 0.000000% (corresponding to an  ANNUAL PERCENTAGE RATE of 0.00%) for the initial six- 
month period. Upon the expiration of the introductory rate period, Your Daily Periodic Rate will increase to 0.032850% - 0.052028% (corresponding to an  ANNUAL 
PERCENTAGE RATE of 11.99% - 18.99%), depending on Your creditworthines s. 
Your Student Mastercard is subject to a discounted intro ductory Daily Periodic Rate of 0.000000% (corresponding  to an  ANNUAL PERCENTAGE RATE of 0.00%) for the 
initial six-month period. Upon the expiration of the introductory rate period, Your Daily Periodic Rate will  increase to 0.030822% (corresponding to an ANNUAL PERCENTAGE 
RATE of 11.25%). 
Your Daily Periodic Rate for Secured Mastercard is 0.034 658% - 0.053836% (corresponding to an  ANNUAL PERCENTAGE RATE of 12.65% - 19.65%), depending on  
Your creditworthiness. 
Your Premier Privileges Rewards Mastercard is subject to a discounted introductory Daily Periodic Rate of 0.000000 % (corresponding to an  ANNUAL PERCENTAGE RATE 
of 0.00%) for the initial six-month period. Upon the  expiration of the introductory rate period, Your Dail y Periodic Rate will increase to 0.030109% - 0.056113%  (corresponding 
to an  ANNUAL PERCENTAGE RATE of 10.99% - 20.49%), depending on Your creditworthiness . 
VARIABLE RATE (EXCEPT PREMIER PRIVILEGES REWARDS MASTERCARD) 
Except Premier Privileges Rewards Mastercard, all advances are subject to a Variable Rate which is based on the Prime Rate as published in the Money Rates Section of  The 
Wall Street Journal on the last day of Your previous b illing cycle ("Index") plus Our Margin. The Index plu s the Margin equals the Interest Rate. Changes in th e Index will cause 
changes in the Interest Rate on the first day of the billing cycle following any such change in the Inde x. Increases or decreases in the Interest Rate will ca use like increases or 
decreases in the Finance Charge and will affect the  number of regularly scheduled payments that You will  be required to make. There is no limit on the amoun t by which Your 
Interest Rate can increase. 
The Margin for Mastercard will range from 7.99 - 14.9 9 depending on Your creditworthiness. 
The Margin for Student Mastercard is 7.25. 
The Margin for Secured Mastercard will range from 8.65 -  15.65 depending on Your creditworthiness.