None$__________ (charged at the time you open the card, and at the time any requestedcredit limit increase is approved)The following disclosure represents important details concerning your credit card. The information about costs of the card isaccurate as of ____________________. You can contact us toll free at the number or address above to inquire if any changesoccurred since the effective date.
9009 LASER ML FI16279 Rev 4-2014 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.IMPORTANT CREDIT CARD DISCLOSURES
INTEREST RATES and INTEREST CHARGES:
Annual Percentage Rate (APR)for Purchases, Cash Advances,& Balance Transfers 8.90% to 15.90% depending on your credit history.Your due date is at least 21 days after we mail your billing statement. We will notcharge you interest on purchases if you pay your entire balance by the due dateeach month. We will begin charging interest on cash advances and balance transferson the transaction date.
NoneMinimum Interest ChargePaying Interest
For Credit Card Tips from theConsumer Financial ProtectionBureauTo learn more about factors to consider when applying for or using a credit card, visitthe website of the Consumer Financial Protection Bureau athttp://www.consumerfinance.gov/learnmoreAccentra Credit Union
400 Fourth Ave NEAustin, Minnesota 55912Phone: (507) 433-1829 or (800) 533-0448Fax: (507) 434-3300www.accentracu.org
Fees to Open or Maintain yourAccountFEES:
� Annual Fee:� Account Set Up Fee:Transaction Fees
� Balance Transfer:� Cash Advance:� Foreign Transaction:NoneNone1.00% of each transaction in U.S. dollars if the transaction involves a currency conversion0.80% of each transaction in U.S. dollars if the transaction does not involve a currencyconversion
Penalty FeesUp to $20.00 if your payment is 20 or more days lateNoneUp to $15.00 if your payment is returned for any reason� Late Payment:� Over-the-Credit Limit:� Returned Payment:How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."