page 3 of 3 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 Perc entage 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 t he 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:  
 None None 
Transaction Fees  
� Balance Transfer: � Cash Advance: � Foreign Transaction:  
None None 1% of each transaction in U.S. dollars 
Penalty Fees  
� Late Payment:  � Over-the-Credit Limit: � Returned 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  None 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  COPYRIGHT 2009  Securian Financial Group, Inc. All rights reserved.