Vibrant Credit Union
1900 52nd Avenue
Moline, IL 61265
(309) 796-7500

BORROWER 1

BORROWER 2

CREDIT CARD AGREEMENT

ACCOUNT NUMBER

DATE

In this Agreement, “You” and “your” mean any person who accepts this Agreement or uses the Card. The “Card” means any credit card issued to you or those designated
by you under the terms of this Agreement. “We”, “us”, “our” and the “Credit Union” means Vibrant Credit Union or its successors. By using your card, you agree to all of
the terms and conditions set forth herein.

THE  GRANTING  OF  THIS  SECURITY  INTEREST  IS  A  CONDITION  FOR
THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.
YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST
IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH US NOW
AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENDED
UNDER THIS AGREEMENT. YOU ALSO AGREE THAT WE HAVE SIMILAR
STATUTORY  LIEN  RIGHTS  UNDER  STATE  AND/OR  FEDERAL  LAW.  IF
YOU  ARE  IN  DEFAULT,  WE  CAN  APPLY  YOUR  SHARES  TO  THE
AMOUNT YOU OWE.
Shares and deposits in an Individual Retirement Account or any other account
that would lose special tax treatment under state or federal law if given are not
subject to this security interest.
If you have other loans with us, collateral securing such loans will also secure
your  obligations  under  this  Agreement,  unless  that  other  collateral  is  your
principal residence or non-purchase money household goods.

Using  Your  Card.  You  can  purchase  or  lease  goods  and  services  from  any
merchant who honors your Card, and you may obtain cash advances from financial
institutions and ATM machines that accept the Card, up to your maximum credit limit.
You agree not to present your Card or obtain a cash advance for any extension of
credit in excess of your available credit limit; however, if you do exceed your credit
limit, you agree to make immediate payment sufficient to bring the balance below the
credit  limit.  Certain  purchases  and  cash  advances  require  authorization  prior  to
completion  of  the  transaction.  In  some  cases,  you  may  be  asked  to  provide
identification.  If  our  system  is  not  working,  we  may  not  be  able  to  authorize  a
transaction,  even  though  you  have  sufficient  credit  available.  Also,  for  security
reasons, we may block the use of your Card in certain countries or geographic areas.
We will have no liability to you or others if any of these events occur.
Personal  Identification  Number  (PIN).  We  may  issue  a  Personal  Identification
Number  (PIN)  for  use  with  your  Card.  This  PIN  is  confidential  and  should  not  be
disclosed to anyone. You may use your PIN and your Card to access your account,
and all sums advanced will be added to your account balance. In the event a use of
your PIN constitutes an Electronic Funds Transfer, the terms and conditions of your
Electronic Funds Transfer Agreement may affect your rights.
Promise To Pay. You promise to pay us in U.S. dollars for (a) all purchases, cash
advances, and balance transfers made by you or anyone whom you authorize to use
the Card; (b) all Interest Charges and all other charges or fees as allowed by law; (c)
collection  costs  and  attorney's  fees  as  permitted  by  applicable  law,  and  any  costs
incurred in the recovery of the Card as allowed by applicable law; and (d) credit in
excess of your credit limit that we may extend to you.
Illegal  Transactions.  You  agree  that  your  Card  and  account  will  not  be  used  to
make or facilitate any illegal transactions as determined by applicable law; and that
any  such  use  will  constitute  an  event  of  default  under  this  Agreement.  We  may
decline any transaction that we believe to be illegal under applicable law, including
but not limited to any transaction involving or relating to any gambling activity. You
agree that we will have no liability or responsibility for any such use by you or any
authorized  user(s);  or  for  declining  any  such  transaction.  You  further  agree  to
indemnify and hold us harmless from any suits, liability, damages or adverse action
of any kind that results directly or indirectly from such illegal use. You promise to pay
us any and all amounts owing on your Card for any transactions made by you, even
if the transaction is determined to be illegal.
Joint  Accounts.  Each  of  you  will  be  responsible,  jointly  and  severally,  for  the
repayment of amounts owed, regardless of who initiated any transaction under the
account.
Others Using Your Account. If you allow anyone else to use your account, you will
be liable for all credit extended to such persons. You promise to pay for all purchases
and advances made by anyone you authorize to use your account, whether or not
you notify us that he or she will be using it. If someone else is authorized to use your
account and you want to end that person's privilege, you must notify us in writing, and
if he or she has a Card, you must return that Card with your written notice for it to be
effective.
9011 LASER FPDF FI15970 Rev 8-2018

law.  Average  Daily  Balance 

Ownership of Card. Your Card remains our property and may be cancelled by us
at any time without notice. You agree to surrender your Card and to discontinue
use of the account immediately upon our request.
Interest Charges. You agree to pay interest at the rate(s) disclosed to you at the
time  you  open  your  account  and  as  may  be  changed  from  time  to  time  in
accordance  with  applicable 
including  new
transactions:  Interest  Charges  will  accrue  on  your  average  daily  balance
outstanding  during  the  month.  To  get  the  average  daily  balance,  we  take  the
beginning  balance  each  day,  add  any  new  purchases,  cash  advances,  balance
transfers or other advances, and subtract any payments, unpaid interest charges,
and unpaid late charges. This gives us the daily balance. Then, we add up all the
daily  balances  for  the  billing  cycle  and  divide  that  by  the  number  of  days  in  the
billing cycle. We then multiply that by the periodic rate corresponding to the Annual
Percentage Rate on your account. If you have different rates for purchases, cash
advances or balance transfers, separate average daily balances for each will be
calculated and the appropriate periodic rate is then applied to each.
Grace Period on Purchases Only: You can avoid Interest Charges on purchases
by  paying  the  full  amount  of  the  new  balance  for  purchases  each  month  by  the
date on which the payment is due. Otherwise, the new balance of your account,
and subsequent advances from the date they are posted to the account, will be
subject  to  an  Interest  Charge.  You  cannot  avoid  Interest  Charges  on  cash
advances and balance transfers; even if you pay the entire cash advance balance
or balance transfer balance by the payment due date, you will incur the Interest
Charges accrued from the date the cash advance or balance transfer is posted to
your account.
Fees. In addition to the Interest Charges set forth above, you agree to also pay
any  and  all  fees  that  you  incur  as  disclosed  to  you  on  your  Truth-in-Lending
Statement  or  similar  disclosures  (as  may  be  amended  from  time  to  time),  or  as
disclosed to you during the term of your Card.
If Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You agree to
notify us immediately if your Card is ever lost or stolen or if an unauthorized use
may have occurred. "Unauthorized use" means the use of the Card by someone
other than you who does not have actual, implied or apparent authority for such
use, and from which you receive no benefit. The telephone number to call is (800)
323-5109. You agree to follow up your call with notice in writing to us at: 1900 52nd
Avenue,  Moline,  IL  61265.  You  also  agree  to  assist  us  in  determining  the  facts,
circumstances and other pertinent information relating to any loss, theft or possible
unauthorized  use  of  your  Card  and  comply  with  such  procedures  as  we  may
require in connection with our investigation. You will have no liability for Mastercard
transactions not authorized by you, provided that you have exercised reasonable
care in safeguarding the Card from risk of loss or theft, and upon becoming aware
of such loss or theft, you promptly report the loss or theft to us.
Minimum  Payment  Due;  Crediting  of  Payments.  Payments  are  due  in  the
amount  and  on  the  date  disclosed  on  your  billing  statement.  If  your  payment  is
received by us on a business day at the address and by the time designated on
the billing statement, it will be credited to your account on the date of receipt. If
payment  is  made  at  any  location  other  than  the  address  designated  on  the
periodic  statement,  credit  for  such  payment  may  be  delayed  up  to  five  (5)  days.
Payments will be applied in any order we determine, subject to applicable law.
Default; Acceleration; Credit Suspension; Collection Costs.
Default: The following provision applies to borrowers in Idaho, Kansas, and
Maine:  You  will  be  in  default  if  (1)  you  do  not  make  a  payment  of  the  required
amount  when  due;  or  (2)  we  believe  the  prospect  of  payment,  performance,  or
realization on any property given as security is significantly impaired.
The  following  provision  applies  to  borrowers  subject  to  the  Wisconsin
Consumer Act: You shall be in default under this Agreement if any of the following
occur:  (a)  you  fail  to  make  a  payment  when  due  on  2  occasions  within  any  12-
month period; OR (b) you breach any term or condition of this Agreement, which
breach  materially  impairs  your  ability  to  pay  amounts  when  due  or  materially
impairs  the  condition,  value,  or  protection  of  our  rights  to  or  in  any  collateral
securing this transaction.

page 1 of 3

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

BORROWER NAME

ACCOUNT NUMBER

The following provision applies to all other borrowers: You will be in default if: (1)
you fail to make any payment on time; (2) if you fail to keep any promises you have
made under this Agreement or under other Agreements you have with us; (3) if you
die; (4) if you file a petition in bankruptcy or have a bankruptcy petition filed against
you,  or  if  you  become  involved  in  any  insolvency,  receivership  or  custodial
proceeding;  (5)  if  anyone  attempts  to  take  any  of  your  funds  held  by  us  via  legal
process or if you have a judgment or tax lien filed against you; (6) if you make any
false, inaccurate, or misleading statements in any credit application or credit update;
or (7) if we, in good faith, believe that your ability to repay what you owe is or soon
will be impaired, or that you are unwilling to make your payments.
If  you  are  in  default,  we  have  the  right  to  demand  immediate  payment  of  your  full
account balance without giving you notice. If immediate payment is demanded, you
agree  to  continue  paying  interest  charges  and  fees  until  what  you  owe  has  been
paid, and any shares that were given as security for your account may be applied
towards what you owe. You agree to pay all reasonable costs of collection, including
court costs and attorney's fees, and any costs incurred in the recovery of the Card,
subject to applicable law. Even if your unpaid balance is less than your credit limit,
you will have no credit available during any time that any aspect of your account is in
default.
Actions  Upon  Default:  If  applicable  state  law  requires  a  notice  of  default  and  an
opportunity to cure that default, we will grant you those rights before we exercise our
remedies.    If  you  default,  upon  the  expiration  of  any  applicable  rights  to  cure  that
default, we may declare all amounts immediately due and payable, and you must
immediately pay us the total unpaid balance (as well as interest charges to date, if
allowed by applicable law), any late charges, and all collection costs permitted under
law.  The  principal  balance  in  default  shall  bear  interest  at  the  contract  rate,  or  a
default rate if one has been disclosed to you, or another rate if required by applicable
law.  If  immediate  payment  is  demanded,  you  agree  to  continue  paying  interest
charges and fees until what you owe has been paid, and any shares that were given
as  security  for  your  account  may  be  applied  towards  what  you  owe.  Even  if  your
unpaid balance is less than your credit limit, you will have no credit available during
any time that any aspect of your account is in default.
Costs of Collection: You shall pay all costs incurred by us in collecting any amount
you owe or in enforcing or protecting our rights. Costs of collection include, but are
not limited to, collection agency fees. The following applies to all borrowers except
Wisconsin borrowers: Costs of collection include reasonable attorney’s fees for any
action taken by any attorney as allowed by applicable law in order to collect this loan
or preserve or protect our rights and remedies, including, without limitation, pre-suit
demands  for  payment,  pre-suit  mediation  or  settlement  negotiations,  investigation
and  assessment  of  our  rights,  participation  in  bankruptcy  cases,  matters,  and
proceedings (including, without limitation, filing proofs of claim, pursuing reaffirmation
agreements, attending meetings of creditors, and pursuing complaints, motions, and
objections that relate in any way to the credit union's collateral or right to payment),
collateral  disposition,  non-  bankruptcy  suits  and/or  administrative  actions,  and
appeals. For Alabama borrowers: attorney's fees after default shall not exceed 15%
of  the  unpaid  debt,  or  such  higher  amount  as  a  court  may  allow.  For  Georgia
borrowers: attorney's fees shall not exceed 15% of principal and accrued interest, or
such higher amount as a court may allow. For Wisconsin borrowers:  We may collect
only those costs and fees allowed by the Wisconsin Consumer Act, other applicable
Wisconsin law, or by a court of competent jurisdiction.
Suspension of electronic services and access to share or deposit accounts.
Subject  to  applicable  law,  we  may  suspend  some  or  all  electronic  services  and
access to your checking or other account(s) if you become delinquent on any of your
credit card or deposit obligations to us or you cause a loss to us. We shall not be
liable to you in any regard in connection with such suspension of services.
Additional  Benefits/Card  Enhancements.  We  may  from  time  to  time  offer
additional services to your Account at no additional cost to you. You understand that
we are not obligated to offer such services and may withdraw or change them at any
time.
Convenience Checks. We may, at our discretion, issue checks to you which may
be used for any purpose other than making a payment for credit to your account. By
signing such check, you authorize us to pay the item for the amount indicated and
post such amount as a cash advance to your account. We do not have to pay any
item  which  would  cause  the  outstanding  balance  in  your  account  to  exceed  your
credit limit.
Credit  Information.  We  may  from  time  to  time  request  personal  information  from
you  or  obtain  credit  reports  from  the  credit  reporting  agencies  for  the  purpose  of
updating your credit status. Your failure to provide such information when requested
by us may result in suspension of credit privileges under this Agreement, including
your  ability  to  obtain  any  future  advances  by  any  means.  You  authorize  us  to
investigate  your  credit  standing  when  opening  or  reviewing  your  account.  You
authorize  us  to  disclose  information  regarding  your  account  to  credit  bureau  and
creditors who inquire about your credit standing.

Foreign  Transactions;  Currency  Conversion.  Purchases  and  cash  advances
made in foreign currencies will be billed to you in U.S. dollars. The conversion rate in
dollars will be a rate selected by the card company from a range of rates available in
wholesale  currency  markets  for  the  applicable  central  processing  date,  which  rate
may  vary  from  the  rate  the  card  company  itself  receives,  or  the  government-
mandated rate in effect for the applicable central processing date in each instance. All
transactions  processed  outside  of  the  United  States  (which  may  include  internet
transactions)  will  be  charged  a  foreign  transaction  fee  in  the  amount  disclosed  on
your Truth-in-Lending Statement (as amended from time to time).
Termination;  Change-in-Terms.  We  may,  by  written  notice,  terminate  this
Agreement at any time, subject to applicable law. You may terminate this Agreement
by written notice. Termination by either party shall not affect your obligation to repay
any  balance  on  your  account  resulting  from  use  of  the  Card  as  well  as  Interest
Charges and fees incurred. We may change the terms of this Agreement, including
the method of calculating the periodic rate, at any time, by written notice, subject to
applicable  law.  Use  of  the  Card  constitutes  agreement  and  acceptance  of  any
change  in  terms,  unless  applicable  law  requires  otherwise.  Our  failure  to  exercise
any of our rights or to take any action shall not constitute a waiver of those rights, or
an amendment or change in any of the terms of this Agreement.
Late or Partial Payments. Any payment that delays the reduction of your balance
will increase your total interest costs. Partial payments or prepayments will not delay
your next scheduled payment - you will still need to make the minimum scheduled
payment  by  the  next  scheduled  due  date  to  keep  your  account  current.  We  may
accept late payments, partial payments, checks or money orders marked "payment
in full" and such action shall not constitute final settlement of your account or a waiver
or forgiveness of any amounts owing under this Agreement.
Enforcement. We do not lose our rights under this or any related agreement if we
delay enforcing them. If any provision of this or any related agreement is determined
to be unenforceable or invalid, all other provisions remain in full force and effect.
Returns  and Adjustments.  Merchants  and  others  who  honor  the  Card  may  give
credit for returns or adjustments, and they will do so by submitting a credit slip which
will be posted to your account. If your credits and payments exceed what you owe
us, the amount will be applied against future purchases and cash advances. If the
credit balance amount is $1 or more, it will be refunded upon your written or verbal
request.
Plan  Merchant  Disputes.  We  are  not  responsible  for  the  refusal  of  any  plan
merchant or financial institution to honor your Card. Also, we are not responsible for
goods or services that you purchase with the Card unless: (a) your purchase was
made in response to an advertisement we sent or participated in sending you; or (b)
your purchase cost more than $50 and was made from a plan merchant in your state
or within 100 miles of your home; and only if you have made a good faith attempt,
but  have  been  unable  to  obtain  satisfaction  from  the  plan  merchant.  You  must
resolve  all  other  disputes  directly  with  the  plan  merchant.  We  do  not  warrant  any
merchandise or services purchased by you with the Card.
Statements and Notices. Statements and notices will be mailed to you at the most
recent  postal  address  or  e-mail  address  (if  you  have  elected  to  receive  such
documents via electronic means) you have given us. Notice sent to any one of you
will be considered notice to all.
Notification  of Address  Change.  You  will  notify  us  promptly  if  you  change  your
address for any reason. In order to prevent identity theft, your identity may need to be
verified before we act upon the notification.
Copy Received. You acknowledge that you have received a copy of this Agreement.
Governing Law. This Agreement shall be construed under federal law and state law
in the state in which we are primarily located, and the venue shall be located in the
county  and  state  in  which  we  are  primarily  located.  Operating  regulations  of
Mastercard  may  also  apply.  This  Agreement  is  the  contract  that  applies  to  all
transactions  even  though  the  sales,  cash  advance,  convenience  check,  credit  or
other slips you sign or receive may contain different terms.
NOTICE TO UTAH BORROWERS: This written agreement is a final expression of
the agreement between you and the Credit Union. This written agreement may not
be contradicted by evidence of any oral agreement.
NOTICES TO WISCONSIN BORROWERS: (1) If you are married and are extended
individual  credit,  Wis.  Stat.  766.56(3)(b)  requires  us  to  notify  your  spouse  of  the
extension  of  credit.  If  we  receive  written  notice  of  termination  from  your  spouse
pursuant to Wis. Stat. Section 766.565(5), we may declare you in default of the Plan
and  call  the  entire  extension  of  credit  due  and  payable  notwithstanding  Wis.  Stat.
Sections 425.103 and 425.105. If the Plan is called due and payable, you may have
certain rights to cure the default. (2) Additionally, no provision of a marital property
agreement, a unilateral agreement under Wis. Stat. 766.59, or a court decree under
Wis. Stat. 766.70 adversely affects our interests unless prior to the time the credit is
extended,  we  are  furnished  with  a  copy  of  the  agreement  or  statement,  or  have
actual knowledge of the adverse provision when the obligation is incurred.

page 2 of 3

BORROWER NAME

ACCOUNT NUMBER

BILLING RIGHTS NOTICE

Your Billing Rights: Keep this Document for Future Use
This notice tells you about your rights and our responsibilities under the Fair
Credit Billing Act.

What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at the address(es)
listed on your statement.

In your letter, give us the following information:

1.
2.
3.

Your name and account number.
The dollar amount of the suspected error.
If  you  think  there  is  an  error  on  your  bill,  describe  what  you  believe  is
wrong and why you believe it is a mistake.

You must contact us:

•
•

Within 60 days after the error appeared on your statement.
At  least  3  business  days  before  an  automated  payment  is  scheduled,  if
you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you
do, we are not required to investigate any potential errors and you may have
to pay the amount in question.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:

1.

2.

Within 30 days of receiving your letter, we must tell you that we received
your letter. We will also tell you if we have already corrected the error.
Within 90 days of receiving your letter, we must either correct the error or
explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:

•

•

•

•

We  cannot  try  to  collect  the  amount  in  question,  or  report  you  as
delinquent on that amount.
The  charge  in  question  may  remain  on  your  statement,  and  we  may
continue to charge you interest on that amount.
While  you  do  not  have  to  pay  the  amount  in  question,  you  are
responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

•

•

If we made a mistake: You will not have to pay the amount in question or
any interest or other fees related to that amount.
If  we  do  not  believe  there  was  a  mistake:  You  will  have  to  pay  the
amount in question, along with applicable interest and fees. We will send
you a statement of the amount you owe and the date payment is due. We
may then report you as delinquent if you do not pay the amount we think
you owe.

If you receive our explanation but still believe your bill is wrong, you must write
to  us  within  10  days  telling  us  that  you  still  refuse  to  pay. If  you  do  so,  we
cannot  report  you  as  delinquent  without  also  reporting  that  you  are
questioning  your  bill.  We  must  tell  you  the  name  of  anyone  to  whom  we
reported you as delinquent, and we must let those organizations know when
the matter has been settled between us.

If we do not follow all of the rules above, you do not have to pay the first $50
of the amount you question even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If  you  are  dissatisfied  with  the  goods  or  services  that  you  have  purchased
with your credit card, and you have tried in good faith to correct the problem
with  the  merchant,  you  may  have  the  right  not  to  pay  the  remaining  amount
due on the purchase.

To use this right, all of the following must be true:

1.

2.

3.

The  purchase  must  have  been  made  in  your  home  state  or  within  100
miles of your current mailing address, and the purchase price must have
been  more  than  $50.  (Note:  Neither  of  these  are  necessary  if  your
purchase was based on an advertisement we mailed to you, or if we own
the company that sold you the goods or services.)
You must have used your credit card for the purchase. Purchases made
with  cash  advances  from  an  ATM  or  with  a  check  that  accesses  your
credit card account do not qualify.
You must not yet have fully paid for the purchase.

If  all  of  the  criteria  above  are  met  and  you  are  still  dissatisfied  with  the
purchase, contact us in writing at the address(es) listed on your statement.

While  we  investigate,  the  same  rules  apply  to  the  disputed  amount  as
discussed  above.  After  we  finish  our  investigation,  we  will  tell  you  our
decision. At that point, if we think you owe an amount and you do not pay, we
may report you as delinquent.

page 3 of 3

Vibrant Credit Union
1900 52nd Avenue
Moline, IL 61265
(309) 796-7500

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 (800) 323-5109 or 1900 52nd Avenue, Moline, IL 61265 to
inquire if any changes occurred since the effective date.

INTEREST RATES and INTEREST CHARGES:

Vibrant Credit Mastercard /
Vibrant Credit Secured Mastercard

Vibrant Credit Rewards Mastercard /
Vibrant Credit Secured Rewards Mastercard

Annual Percentage Rate (APR)
for Purchases, Cash Advances,
& Balance Transfers

9.90%- 18.00%
depending on your credit history

18.00%- 23.99%

depending on your credit history

Penalty APR and When it
Applies

Paying Interest

18.00%
This APR may be applied to your
account if you make a payment that
is late 60 days or more.

23.99%
This APR may be applied to your account if
you make a payment that is late 60 days or
more.

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.

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.

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:

Vibrant Credit Mastercard /
Vibrant Credit Secured Mastercard

Vibrant Credit Rewards Mastercard /
Vibrant Credit Secured Rewards Mastercard

Fees to Open or Maintain your
Account

• Annual Fee:
• Application Fee:

None
None

$0.00 for the first year; $50.00 thereafter
None

Transaction Fees

• Balance Transfer:
• Cash Advance:
• Foreign Transaction:

None
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

SEE NEXT PAGE for more important information about this account

9009 LASER FPDF FI15968 Rev 8-2018

page 1 of 2

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

FEES:

Penalty Fees

• Late Payment:

• Over-the-Credit Limit:

• Returned Payment:

If your payment is more than 10 days late, up to $25.00 for the first offense and up to
$35.00 each if 2 or more offenses occur within 6 months.
If you exceed your credit limit, up to $25.00 for the first offense and up to $35.00 each
if 2 or more offenses occur within 6 months.
If your payment is returned for any reason, up to $25.00 for the first offense and up to
$35.00 each if 2 or more offenses occur within 6 months.

How We Will CalculateYour Balance: We use a method called "average daily balance (including new purchases)."

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