PRICING INFORMATION ADDENDUM – 
CREDIT LINE ACCOUNT AGREEMENT 
AND FEDERAL DISCLOSURE STATEMENT 

1520 West Colorado Boulevard 
Pasadena, CA 91105 
(800) 231-1626

THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR CLASSIC VISA, SECURED CLASSIC VISA, PLATINUM VISA, CALIFORNIA PROFESSIONAL 
FIREFIGHTERS ("CPF") VISA, PROFESSIONAL FIREFIGHTERS OF ARIZONA ("PFFAZ") VISA, AND WA STATE COUNCIL OF FIREFIGHTERS ("WSCFF") VISA CREDIT CARD 
AGREEMENT AND DISCLOSURE. PLEASE BE SURE TO READ THIS ADDENDUM CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 

Interest Rate and Interest Charges 

Annual Percentage Rate 
(APR) For Purchases 

Classic VISA: 11.99% 

Secured Classic VISA: 11.99% 

Platinum VISA: 8.99% - 16.99% based on Your creditworthiness.

California Professional Firefighters ("CPF") VISA: 8.99% - 16.99% based on Your
creditworthiness.   

Professional Firefighters Arizona ("PFFAZ") VISA: 8.99% - 16.99% based on Your
creditworthiness.   

WA State Council of Firefighters ("WSCFF") VISA: 8.99% - 16.99% based on Your
creditworthiness. 

APR For Balance Transfers  Classic VISA: 11.99%  

Secured Classic VISA: 11.99%  

Platinum VISA: 8.99% - 16.99% based on Your creditworthiness. 

California Professional Firefighters ("CPF") VISA: 8.99% - 16.99% based on Your 
creditworthiness.   

Professional Firefighters Arizona ("PFFAZ") VISA: 8.99% - 16.99% based on Your 
creditworthiness.   

WA State Council of Firefighters ("WSCFF") VISA: 8.99% - 16.99% based on Your 
creditworthiness. 

APR For Cash Advances 

Classic VISA: 11.99%  

Secured Classic VISA: 11.99%  

Platinum VISA: 8.99% - 16.99% based on Your creditworthiness. 

California Professional Firefighters ("CPF") VISA: 8.99% - 16.99% based on Your 
creditworthiness.   

Professional Firefighters Arizona ("PFFAZ") VISA: 8.99% - 16.99% based on Your 
creditworthiness.   

WA State Council of Firefighters ("WSCFF") VISA: 8.99% - 16.99% based on Your 
creditworthiness. 

Paying Interest 

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. We will begin charging interest on cash advances 
and balance transfers on the transaction date. 

Minimum Interest Charge 

For VISA, if You are charged interest, the charge will be no less than $1.00. 

Please refer to TOP OF PAGE 2 for more important information about Your Account 

Copyright Oak Tree Business Systems, Inc., 2018-2022. All Rights Reserved. 

Page 1 of 2 

  OTBS 016A FRB_Web LAFR (1/22) 
Rev. (1/22) 

Fees 

Penalty Fees 

 Returned Payment
 Late Payment

Up to $22.00 
Up to $15.00 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).= 

Please refer to PAGE 1 for more important information about Your Account 

The  balances subject to  the periodic  Finance  Charge  are the  average daily transactions balances  outstanding during the month  (including new  transactions).  To  get  the 
average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other 
charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for the billing cycle and 
divide them by the number of days in the billing cycle. The Finance Charge for a billing cycle is computed by multiplying the average daily balance subject to a Finance Charge 
by the Monthly Periodic Rate. 

You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month within 25 days of Your statement closing date. Otherwise, 
the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Balance transfers and cash 
advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the transaction 
is posted to Your Account. 

If You are charged interest, the charge will be no less than $1.00. 

Your Classic VISA is subject to a Monthly Periodic Rate of 0.9992% (corresponding to an ANNUAL PERCENTAGE RATE of 11.99%). 

Your Secured Classic VISA is subject to a Monthly Periodic Rate of 0.9992% (corresponding to an ANNUAL PERCENTAGE RATE of 11.99%). 

Your  Platinum  VISA  is  subject  to  a  Monthly  Periodic  Rate  of  0.7492%  -  1.4158%  (corresponding  to  an  ANNUAL  PERCENTAGE  RATE  of  8.99%  -  16.99%),  based  on  
Your creditworthiness. 

Your  CPF  VISA  is  subject  to  a  Monthly  Periodic  Rate  of  0.7492%  -  1.4158%  (corresponding  to  an  ANNUAL  PERCENTAGE  RATE  of  8.99%  -  16.99%),  based  on  
Your creditworthiness. 

Your  PFFAZ  VISA  is  subject  to  a  Monthly  Periodic  Rate  of  0.7492%  -  1.4158%  (corresponding  to  an  ANNUAL  PERCENTAGE  RATE  of  8.99%  -  16.99%),  based  on  
Your creditworthiness. 

Your  WSCFF  VISA  is  subject  to  a  Monthly  Periodic  Rate  of  0.7492%  -  1.4158%  (corresponding  to  an  ANNUAL  PERCENTAGE  RATE  of  8.99%  -  16.99%),  based  on  
Your creditworthiness. 

Copyright Oak Tree Business Systems, Inc., 2018-2022. All Rights Reserved. 

Page 2 of 2 

  OTBS 016A FRB_Web LAFR (1/22) 
Rev. (1/22) 

1520 West Colorado Boulevard 
Pasadena, CA 91105 
(800) 231-1626

Interest Rate and Interest Charges 

Annual Percentage Rate 
(APR) For Purchases 

PRICING INFORMATION ADDENDUM-
CREDIT CARD AGREEMENT 
AND DISCLOSURE STATEMENT 

THIS  IS  YOUR  ADDENDUM  THAT  CONTAINS  PRICING  INFORMATION  FOR  YOUR  VISA 
SIGNATURE CREDIT CARD AGREEMENT. PLEASE BE CERTAIN TO READ THIS ADDENDUM 
CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 

VISA Signature: 12.49% - 17.99% when You open Your Account,
based on Your creditworthiness. 

After that, this APR will vary with the market based on the Prime Rate. 

Annual Percentage Rate 
(APR) For Balance Transfers 

VISA Signature: 12.49% - 17.99% when You open Your Account, based on Your(cid:32)
creditworthiness. 

After that, this APR will vary with the market based on the Prime Rate. 

Annual Percentage Rate 
(APR) For Cash Advances 

VISA Signature: 12.49% - 17.99% when You open Your Account, based on Your
creditworthiness. 

After that, this APR will vary with the market based on the Prime Rate. 

Paying Interest 

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. We will begin charging interest on 
cash advances and balance transfers on the transaction date. 

Minimum Interest Charge 

If You are charged interest, the charge will be no less than $1.00. 

Fees 

Penalty Fees 

Late Payment  
Returned Payment 

Up to $15.00 
Up to $22.00 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your 
Account Agreement for details. 

FINANCE CHARGES. The balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month  (including new 
transactions). To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, 
debit adjustments or other charges and subtract  any  payments, credits and unpaid  Finance  Charges.  This gives  Us the daily  bal ance.  Then, We add up all the daily 
balances for the billing cycle and divide them by the number of days in the billing cycle. The Finance Charge for a billing cycle is computed by multiplying the average 
daily balance subject to a Finance Charge by the Monthly Periodic Rate. 

You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month within 25 days of Your statement closing date. Otherwise, 
the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Balance transfers and cash 
advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the transaction 
is posted to Your Account. 

The Monthly Periodic Rate for Purchases is 1.041% - 1.50% (corresponding ANNUAL PERCENTAGE RATE 12.49% - 17.99%) depending on Your creditworthiness. 

The Monthly Periodic Rate for Balance Transfers is 1.041% - 1.50% (corresponding ANNUAL PERCENTAGE RATE 12.49% - 17.99%) depending on Your creditworthiness. 

The Monthly Periodic Rate for Cash Advances is 1.041% - 1.50% (corresponding ANNUAL PERCENTAGE RATE 12.49% - 17.99%) depending on Your creditworthiness. 

If You are charged interest, the charge will be no less than $1.00. 

VARIABLE RATE. Advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates section of The Wall Street Journal 
in effect on the last day of each billing cycle ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the 
Interest  Rate  on  the  1st  day  of  the  billing  cycle  that  immediately  follows  a  change  in  the  Index.  Increases  or  decreases  in  the  Interest  Rate  will  cause  like  increases 
or decreases in the Finance Charge and will affect the number of Your regularly scheduled payments. Changes in the rate will apply to Your remaining principal balance 
and will not be greater than 18.00%. 

The Margin for Purchases is 7.74% - 14.74% depending on Your creditworthiness. 

The Margin for Balance Transfers is 7.74% - 14.74% depending on Your creditworthiness. 

The Margin for Cash Advances is 7.74% - 14.74% depending on Your creditworthiness. 

Copyright Oak Tree Business Systems, Inc., 2022. All Rights Reserved. 

 Page 1 of 1 

 OTBS 016CC A FRB_WEB LAFR 
(12/21) Rev. (6/22)