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 January 1, 2016. You can call Us at (888) 883-7228 or 
write Us at P.O. Box 908, Riverside, CA 92502-0908 to inquire if any changes have occurred since the effective date. 

Interest Rate and Interest Charges 

Annual Percentage Rate 
(APR) For Purchases 

9.24% - Platinum Preferred 
11.24% - Platinum 
13.24% - Classic 

16.24% - Select 
12.24% - Share Secured (Credit Card Accessible) 
19.24% - iChecking 

These APRs will vary with the market based on the Prime Rate. 

APR For Balance Transfers 

13.24% - Classic                                12.24% - Share Secured (Credit Card Accessible) 
19.24% - iChecking                            16.24% - Select 

APR For Cash Advances 

Penalty APR and When it 
Applies 

       These APRs will vary with the market based on the Prime Rate. 

Platinum Preferred - 0.00% Introductory APR for 6 months 

After that, Your APR will be 9.24% and will vary with the market based on the Prime Rate. 

Platinum - 0.00% Introductory APR for 6 months 

After that, Your APR will be 11.24% and will vary with the market based on the Prime Rate. 

9.24% - Platinum Preferred                16.24% - Select 
11.24% - Platinum                              12.24% - Share Secured (Credit Card Accessible) 
13.24% - Classic                                19.24% - iChecking 

      These APRs will vary with the market based on the Prime Rate. 

20.24% 

This APR will vary with the market based on the Prime Rate. 
This APR may be applied if: 
(1)  You make a late payment; or 
(2)  You are otherwise in default under Your Agreement. 

How Long Will The Penalty APR Apply? If Your APRs are increased for any of these 
reasons, the Penalty APR will apply until You make 6 consecutive minimum payments 
when due. 

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 of Your statement closing date. 

Minimum Interest Charge 

If You are charged interest, the charge will be no less than $0.50. 

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 Fee 
•  Cash Advance Fee 
•  Balance Transfer Fee 

1.00% of each transaction in U.S. dollars. 
3.00% of each cash advance. 
3.00% of each balance transfer. 

Penalty Fees 

•  Returned Payment 
•  Late Payment 

Up to $25.00 
Up to $10.00 after 10 days 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).” 

Copyright Oak Tree Business Systems, Inc., 2014-2015. All Rights Reserved.                                                                                                                                              OTBS 054 Web RIVC (12/15)