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 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.

Annual Percentage Rate 
(APR) For Balance 
Transfers 

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. 

Annual Percentage Rate 
(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 
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 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.

Copyright Oak Tree Business Systems, Inc., 2012-2015. All Rights Reserved.                       Page 1 of 2           

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SEE TOP OF PAGE 2 for more important information about Your Account 

04/01/201612.24017.90008.49017.49008.90017.90017.90012.24017.90008.49017.49017.90008.90017.90017.24017.90011.49017.90017.90013.90017.90017.900 
 
 
 
 
Fees 

Transaction Fees 

•

Foreign Transaction

Penalty Fees 

• Returned Payment
•
Late Payment

 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., 2012-2015. All Rights Reserved.       

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