CREDIT CARD AGREEMENT 

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 Commonwealth 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; 
(c)  collection costs and attorney's fees as permitted by applicable law, and any
costs incurred in the recovery of the Card; 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. 

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 law. 

Average Daily Balance 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 
average daily balances for each will be calculated and the appropriate periodic 
rate is then applied to each. 

cash advances or balance transfers, separate 

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 (502) 
564-4775 or (800) 228-6420. You agree to follow up your call with notice in writing
to us at:  P.O. Box 978, Frankfort, KY 40602-0978. 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 be
liable for any unauthorized use only if we can prove that you were negligent in
your use or handling of your Card, or if we can prove that you used your Card
fraudulently. 

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. 

9011 LASER SYM FPOF Fl14712 Rev 2-2019 

page 1 of 4 

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved. 

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 Commonwealth Credit Union or its successors. By using your 
card, you agree to the terms and conditions set forth herein. 

Default; Acceleration;  Credit Suspension;  Collection  Costs. 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. 

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 payments made for 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 Visa 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. 

Frankfort, KY 40602-0978 

Phone 502.564.4775 800.228.6420 

Fax 502.564. 

.564.1001 

9011 LASER SYM FPDF Fl14712 Rev 2-2019 

www.ccuky.org 

page 2 of 4 

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved. 

 
 
 
 
 
IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:  

The following applies if at the time this loan is made you are an active member of the military or a dependent (as those terms are defined in the Military Lending 
Act (MLA), 10 U.S.C. 987 and its implementing regulations ("MLA"), and (a) your loan is unsecured or secured by personal property or a vehicle that you did not 
purchase with the proceeds of the loan; or (b) ii is otherwise determined by law that the MLA applies to your loan. If this loan is a revolving line of credit or credit 
card, the MLA ceases to apply at any time during which you are not a member of the military or a dependent (as defined in the MLA). 

1. NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In

general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36
percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection
fees; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified
credit transactions  or  accounts);  and  any  participation  fee  charged  (other  than  certain  participation  fees for  a  credit  card  account).  To  receive  this  notice
verbally, please call 1-800-782-7771 24 hours a day, 7 days a week.

2. This loan will not be secured by a consensual lien on shares or deposits in any of your accounts unless you agree to establish an account in connection with
this loan ("Secured Account"). Only funds deposited into the Secured Account after the loan is made will secure this loan. Any cross-collateralization provision
contained in your loan or account documents will not apply to the Secured Account or your other share or deposit accounts for any loan subject  to the Military
Lending Act.
However we reserve our statutory lien rights and rights to set-off or administrative freeze under federal or state law, which gives us the right to apply the sums 
in the Secured Account or any other account(s) you have with us to satisfy your obligations under this loan.

3. Any reference in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration; (b) Any requirement(s) to waive
your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as unreasonable notice from you in order
to exercise your legal rights; or (d) Prepayment  penalties. 

4. Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or contradictory to these
disclosures or the MLA (as they may be changed or amended from lime to lime) are inapplicable with regard to this loan. However, all other terms and conditions
of the consumer credit contract shall remain in full force and  effect.

YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR  FUTURE USE 

This notice tells you about your rights and our responsibilities under the 
Fair Credit Billing Act. 

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 

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. Your name and account  number. 
2. The dollar amount of the suspected  error.
3. If you think there is an error on your bill, describe what you believe is

wrong and why you believe ii 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. 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. 
2. 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. 

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 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 the following must be true: 

1.  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.)

2.  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. 

3.  You must not yet have fully paid for the purchase. 

If all 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 

9011 LASER SYM FPDF Fl14712 Rev 2-2019 

page 3 of 4 

COPYRIGHT 2009 Securian Financial Group, Inc. All rights 

MEMBER NUMBER 

APPLICATION ID 

IMPORTANT CREDIT CARD DISCLOSURES 
The  following  disclosure  represents  important  details  concerning  your  credit  card.  The  information  about  costs  of  the  card  is 
accurate as of 04/01/2020. You can contact us toll free at (800) 228-6420 or the address on Page 2 to inquire if any changes 
occurred since the effective date. 
INTEREST RATES and INTEREST CHARGES: 

Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Paying Interest 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

FEES: 
Fees to Open or Maintain your Account 

• Annual Fee:

Transaction Fees 

• Balance Transfer:
• Cash Advance:
• Foreign Transaction:

Penalty Fees 

• Late Payment:

• Returned Payment:

VISA MY CARD 

VISA PLATINUM SECURED 

0% Introductory APR for six months. After that, your Standard APR will be

11.15% to 22.25% 
depending on your credit history. This APR will 
vary with the market based on the Prime Rate. 

7.99% 

0% IntroductoryAPR* for one year for all balance transfers completed within the 
same calendar month prior to 01/01/2021. Multiple Balance Transfers are 
eligible to receive the 0% Introductory Rate if completed in the same calendar 
month as the initial balance transfer. Balance transfers completed on or after 
01/01/2021 will have the Standard APR of

11.15% to 22.25% 
depending on your credit history. The Standard APR 
will vary with the market based on the Prime Rate. 

7.99% 

15.75% to 22.25% 
depending on your credit history. This APR will 
vary with the market based on the Prime Rate. 
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. However, 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. 

18% 

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 

3% of the amount of each transfer 
3% of the amount of each cash advance (minimum: $10.00) 
None 

The minimum payment amount due or $25.00, whichever is less if your 
payment is late 3 days or more. 
Up to $27.00 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/Promotional  Rate:  We  may  end  your  Introductory  or  Promotional  Rate  and  apply  the  Standard  APR 
disclosed above if you make a late payment. 
*Balance Transfers from a Commonwealth Credit Union account are not eligible for the Introductory Balance Transfer APR. Any 
balance transfers completed in subsequent months after the initial balance transfer will not qualify for the Introductory Rate and 
will receive the Standard APR if there is still an outstanding balance remaining from the initial transfer. Should the outstanding
balance on the  initial  transfers  be  paid  in  full  before  01/01/2021  balance transfers  made  prior  to  01/01/2021  will  be  eligible to 
receive the 0% Introductory Rate.
Other Fees: 
Declined Access Check: Up to $25.00 if a convenience check is declined for any reason. 
Convenience Check Stop Payment Request: Up to $20.00 if you stop payment of a Convenience Check for any reason. 
9013 LASER FPDF FI14711 Rev 3-2020 

COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.