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  11/01/2021. You can  contact  us  toll  free  at  (800)  593-1000  or  mail  correspondence  to  1600  Medical  Drive,
Pottstown, PA 19464 to inquire if any changes occurred since the effective date.

INTEREST RATES and INTEREST CHARGES:

Annual Percentage
Rate (APR) for
Purchases & Balance
Transfers

APR for Cash
Advances

PLATINUM LOW-RATE
MASTERCARD

PLATINUM REWARDS
MASTERCARD

CASHBACK WORLD
MASTERCARD

CREDIT
BUILDER
MASTERCARD

Introductory

1.99%
APR for 12 months from
date of account opening.

Introductory

1.99%
APR for 12 months from
date of account opening.

1.99% Introductory
APR for 12 months from
date of account opening.

After that, your Standard
APR will be
7.90% - 18.00%
depending on your credit
history. This APR will
vary with the market
based on the Prime
Rate.

After that, your Standard
APR will be
8.90% - 18.00%
depending on your credit
history. This APR will
vary with the market
based on the Prime
Rate.

After that, your Standard
APR will be
11.25% - 18.00%
depending on your credit
history. This APR will
vary with the market
based on the Prime Rate.

1.99% Introductory APR
for 12 months from date
of account opening.

1.99% Introductory APR
for 12 months from date
of account opening.

1.99% Introductory APR
for 12 months from date
of account opening.

After that, your Standard
APR will be

After that, your Standard
APR will be

After that, your Standard
APR will be

7.90% - 18.00%
depending on your
credit history. This APR
will vary with the market
based on the Prime
Rate.

8.90% - 18.00%
depending on your credit
history. This APR will
vary with the market
based on the Prime
Rate.

11.25% - 18.00%
depending on your credit
history. This APR will
vary with the market
based on the Prime
Rate.

16.90%

16.90%

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.
For Cash Advances and Balance Transfers, we will begin charging interest 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

9013 LASER FPDF FI14477 Rev 9-2021

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COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.

SEE NEXT PAGE for more important information about this account

FEES:

Fees to Open or Maintain your
Account

- Annual Fee:

- Application Fee:

Transaction Fees

- Balance Transfer:
- Cash Advance:
- Foreign Transaction:

Penalty Fees

- Late Payment:
- Returned Payment:

For Platinum Rewards Mastercard, Platinum Low Rate Mastercard, and Cashback
World Mastercard: None
For Credit Builder Mastercard: None for the first year; $30.00 thereafter
None

None
2% of the amount advanced with a minimum of $5.00 and a maximum of $75.00
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

Up to $29.00 if your payment is late
Up to $29.00 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 Standard APR disclosed above if you make a
late payment.

9013 LASER FPDF FI14477 Rev 9-2021

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COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.