grow financial federal credit union PO BOX 89909 Tampa, FL 33689-0415   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 4/7/2020 _. You can contact us toll free at 1-800-839-6328 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   VISA PLATINUM PREFERRED Eee Re eRRED VISA PLATINUM REWARDS w Aa REWARDS 1.99% to 4.99% 1.99% to 11.99% | 1.99% to 8.99% 13.99% to 15.74% Introductory APR for qualifying members, for a period of six billing cycles depending on your credit history. After that, or if you do not qualify for the Introductory APR, your Standard APR will be 6.99% to 17.49% depending on your credit history. This APR will vary with the market based on the Prime Rate.   Introductory APR for qualifying members, for a period of six billing cycles depending on your credit history. After that, or if you do not qualify for the Introductory APR, your Standard APR will be 6.99% to 15.74% depending on your credit history. This APR will vary with the market based on the Prime Rate.   Introductory APR for qualifying members, for a period of six billing cycles depending on your credit history. After that, or if you do not qualify for the Introductory APR, your Standard APR will be 11.24% to 15.24% depending on your credit history. This APR will vary with the market based on the Prime Rate.   depending on your credit history. This APR will vary with the market based on the Prime Rate.     APR for Cash Advances | 18.00% Penalty APR and When 18.00% it Applies This APR may be applied to your account if you make a payment that is late 60 days or more twice in a 12-month period. 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 for a period of six billing cycles.   Paying Interest Your due date is at least 25 days after we mail your billing statement. We will not charge you interest on purchases or balance transfers if you pay your entire new purchase balance or balance transfer balance by the due date each month. We will begin charging interest on cash advances on the transaction date.   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       - Foreign Transaction: FEES: Transaction Fees - Balance Transfer: None - Cash Advance: None 1% of each transaction in U.S. dollars if the transaction involves a currency conversion 1% of each transaction in U.S. dollars if the transaction does not involve a currency conversion   Penalty Fees - Late Payment: - Returned Payment:     up to $25.00 for the first offense, up to $35.00 for a second offense occurring within 6 billing cycles following the initial offense up to $25.00 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)." Loss of Introductory Rate: We may end your Introductory Rate and apply the Penalty APR disclosed above if you make a late payment. Overdraft Protection: If you have overdraft protection linked to your credit card account, overdrafts will be charged to your card at the cash advance APR of __ 18.00 9, 9009 LASER ML FPDF FI17189 Rev 1-2016 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.