PO BOX 89909
Tampa, FL 33689-0415

The following disclosure represents important details concerning your credit card. The information about costs of the card is accurate as of __________ . 
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.

4/7/2020

IMPORTANT CREDIT CARD DISCLOSURES

INTEREST RATES and INTEREST CHARGES:

VISA PLATINUM PREFERRED

SECURED VISA PLATINUM 
PREFERRED

VISA PLATINUM REWARDS

1.99% to 4.99%

1.99% to 11.99%

1.99% to 8.99%

Annual Percentage Rate 
(APR) for Purchases & 
Balance Transfers

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

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

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%

6.99% to 15.74%

11.24% to 15.24%

VISA PLATINUM 
CASH REWARDS

13.99% to

15.74%

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.

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 
it Applies

18.00%

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

FEES:

Transaction Fees

- Balance Transfer:
- Cash Advance:
- Foreign Transaction:

Penalty Fees

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

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

- 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

9009 LASER ML FPDF FI17189 Rev 1-2016

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

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