IMPORTANT CREDIT CARD DISCLOSURES

P.O. Box 324 • Vancouver, WA • 98666

The following disclosure represents important details concerning your credit card including our Credit Card Agreement. The information about 
costs of the card is accurate as of 2/1/19. You can contact us toll free at (800) 699-4009 or the address above to inquire if any changes occurred 
since the effective date.

Interest Rates and Interest Charges:

Annual percentage rate 
(APR) for purchases & 
balance transfers 

0% Introductory APR for six months.
After that, your APR will be 

0% Introductory APR for six months.
After that, your APR will be 

Visa Platinum

Visa Platinum Rewards

10.49%, 11.49%, 12.49%, 13.49%, or 18.49% 
depending on your credit history. This APR will 
vary with the market based on the Prime Rate.

12.49%, 13.49%, 14.49%, 15.49%, or 20.49% 
depending on your credit history. This APR will 
vary with the market based on the Prime Rate.

APR for cash advances

20.49% This APR will vary with the market 
based on the Prime Rate.

22.49% This APR will vary with the market 
based on the Prime Rate.

Penalty APR and when it 
applies

23.49% This APR will vary with the market based on the Prime Rate.

This APR may be applied to your account if you:
1. Make a payment that is late 60 days or more;

2. Make a payment that is returned; or

3. Do any of the above on another account that you have with us.

How long will the penalty APR apply? If we increase your APRs due to a late payment,we may 
keep them at this higher level on existing and new balances until you make six consecutive on-time 
payments. If we increase your APRs for any other reason, we may keep them at this higher level on 
new balances indefinitely.

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

If you are charged interest, the charge will be no less than $1.00.

For credit card tips from 
the Consumer Financial 
Protection Bureau

Fees:

Transaction fees
• Balance transfer:

• Cash advance:

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 www.consumerfinance.gov/learnmore.

3% of the amount of each transfer (minimum: $10.00)

5% of the amount of each cash advance (minimum: $10.00)

• Foreign transaction:

2% of each transaction in U.S. dollars

Penalty fees
• Late payment:

Up to $25.00 if your payment is late.

• Returned payment:

Up to $25.00 if your payment is returned for any reason.

• Over-the-credit limit:

None

How we will calculate your balance: We use a method called “average daily balance (including new purchases).”
Loss of introductory rate: We may end your Introductory Rate and apply the Penalty APR if you make a late payment.

9009 LASERML FI14675 Rev 9-2014

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.