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  _______________.  You can contact  us toll free at  1-800-254-1803 or address  on  Page 1 to inquire  if  any 
changes occurred since the effective date. 

INTEREST RATES and INTEREST CHARGES: 

Annual Percentage Rate (APR) for 
Purchases, Cash Advances, & 
Balance Transfers 

7.9%, 8.9%, 12.9%, 14.9%, or 16.9% depending on 
your credit history. 

Penalty APR and When it Applies 

None 

Paying Interest 

Your due date is at least 21 days after we mail your billing statement. 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. 

Minimum Interest Charge 

None 

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: 

Fees to Open or Maintain your 
Account 

•  Annual Fee: 

•  Application Fee: 

Transaction Fees 

•  Balance Transfer: 

•  Cash Advance: 

None 

None 

None 

None 

•  Foreign Transaction: 

1% of each transaction in U.S. dollars 

Penalty Fees 

•  Late Payment: 

5% of the payment due, with a minimum of $15.00 and a maximum of 
$27.00, if your payment is more than 15 days late 

•  Over-the-Credit Limit: 

None 

•  Returned Payment: 

Up to $10.00 if your payment is returned for any reason 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." 

9013 WORD FI18412 Rev 7-2019 

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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.