Paying InterestYour due date is approximately 30 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the date the cash advance or balance transfer is posted to your account.For Credit Card Tips from the Consumer Financial Protection BureauTo 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/learnmoreFEES:Fees to Open or Maintain your Account- Annual Fee:  - Application Fee:$25.00 for Visa Rewards*; None for Visa Value NoneThe following disclosure represents important details concerning your credit card. The information about costs of the card are accurate as of ________________ . You can contact us toll free at the number or address above to inquire if any changes occurred since the effective date.IMPORTANT CREDIT CARD DISCLOSURESINTEREST RATES and INTEREST CHARGES:Annual Percentage Rate (APR) for Purchases, Cash Advances, & Balance Transfersdepending on your credit history. After that, this APR will vary with the market based on the Prime Rate.9.50% - 14.50%9009 LASER FIS FI15929 Rev 1-2016COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.VISA RewardsVISA Valuedepending on your credit history. After that, this APR will vary with the market based on the Prime Rate.7.00% - 17.00%Transaction Fees- Transfer Fee:  - Foreign Transaction:$4.00 if an overdraft on your checking account is transferred to this Line of Credit**. Up to 1% of each transaction in U.S. dollars if the transaction involves a currency conversion Up to 1% of each transaction in U.S. dollars if the transaction does not involve a currency conversionPenalty Fees$25.00 or your minimum payment required, whichever is less. Balances of $25.00 or less must be paid in full- Late Payment:How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." *May be reduced or waived depending on your Member Merits category. See Service Fees for criteria for each category. **May be waived or reduced for members in the Enhanced and Premier Member Merits categories. See Service Fees for criteria for each category. Other Fees: In addition to the fees disclosed above, the following fees may be imposed: Research and Copying: If you ask us to examine your account or provide copies of documents, except in resolution of a billing error, we may charge you $5.00 for each copy of your statement, $5.00 for each copy for any other document you may request and $25.00 per hour for the research. Replacement Card Fee: A $5.00 charge per card will be imposed on each replacement card you request, regardless of reason. ATM Withdrawal Fee: There is a $1.50 fee for withdrawals at ATMs not owned by the Credit Union. ATM Fees: If you use an ATM to obtain a cash advance and the ATM is not operated by us, you may be charged an ATM surcharge by the ATM operator or ATM Network utilized for such transaction. The ATM surcharge may be charged to  your account if you elect to complete the transaction. The Credit Union reserves the right to impose additional service charges in the future after giving you notice of such service charges.