IMPORTANT  CREDIT  CARD  DISCLOSURES. The  following  disclosure  represents  important  details  concerning  Your  Credit 
Card. The information about costs of the Card is accurate as of the effective date of ___________________. You can call Us at
(636) 916-8300 or write Us at 1232 Wentzville Parkway, Wentzville, MO 63385 to inquire if any changes have occurred since 
the effective date.

January 1, 2016

Interest Rate and Interest Charges 

Annual Percentage Rate
(APR) For Purchases

APR For Balance 
Transfers

APR For Cash Advances

Premier  Low  Rate  Platinum  VISA: _______%  -  _______%  based  on  Your 
creditworthiness.

16.24

8.24

This APR will vary with the market based on the Prime Rate.

Signature Rewards VISA: _______% - _______% based on Your creditworthiness.

18.00

10.24

This APR will vary with the market based on the Prime Rate.

BlueForward Platinum VISA: _______% 

13.24
This APR will vary with the market based on the Prime Rate.

BlueSecured Platinum VISA: _______% 

16.24
This APR will vary with the market based on the Prime Rate.

Premier Low Rate Platinum VISA: ________% Introductory APR for ______ months.

2.99

15

16.24
After  that  Your  APR  will  be  ________%  - ________%  based  on  Your  creditworthiness  at
the  time  Your  Account  was  established.  This  APR  will  vary  with  the  market  based  on  the 
Prime Rate.

8.24

Signature Rewards VISA: ________% Introductory APR for ______ months.

2.99

15

18.00
After  that  Your  APR  will  be  ________%  - ________%  based  on  Your  creditworthiness  at 
the time  Your  Account  was  established.  This  APR  will  vary  with  the  market  based  on  the 
Prime Rate.

10.24

BlueForward Platinum VISA: _______% 

13.24
This APR will vary with the market based on the Prime Rate.

BlueSecured Platinum VISA: _______% 

16.24
This APR will vary with the market based on the Prime Rate.

Premier Low Rate Platinum VISA: _______% - _______% based on Your creditworthiness.

11.24

18.00

This APR will vary with the market based on the Prime Rate.

18.00
Signature Rewards VISA: _______% - _______% based on Your creditworthiness.

13.24

This APR will vary with the market based on the Prime Rate.

BlueForward Platinum VISA: _______% 

16.24
This APR will vary with the market based on the Prime Rate.

BlueSecured Platinum VISA: _______% 

18.00
This APR will vary with the market based on the Prime Rate.

Penalty APR And When it 
Applies

18.00%

This APR may be applied if:
1)   You make a late payment.

How  Long  Will  The  Penalty  APR  Apply? If  Your  APR  is  increased  for  this  reason,  the 
Penalty APR applied to transactions that occur after the increase may be applied indefinitely. 
For transactions that occurred prior to the effective date of the increase, the increase will also 
apply indefinitely unless You make the next 6 consecutive minimum payments when due.

SEE PAGE 2 for more important information about Your Account.  

 Copyright Oak Tree Business Systems, Inc., 2015-2016. All Rights Reserved.                  

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Interest Rate and Interest Charges (continued) 

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 
interest  on  purchases  if  You  pay  Your  entire  balance  owed  within  25  days  of  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

(cid:120) Cash Advance 
(cid:120)

Foreign Transaction

2.00% of each cash advance, ($10.00 minimum - $25.00 maximum)
1.00% of each foreign currency transaction in U.S. Dollars.
1.00% of each U.S. Dollar transaction that occurs in a foreign country.

Penalty Fees

Late Charge

(cid:120)
(cid:120) Returned Payment

Up to $18.00
Up to $27.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." 

SEE PAGE 1 for more important information about Your Account.

 Copyright Oak Tree Business Systems, Inc., 2015-2016. All Rights Reserved.                   

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