PO Box 324
Vancouver, WA 98666
360-891-4000

The following disclosure represents important details concerning your credit card including our Credit Card Agreement. The 
information about costs of the card is accurate as of May 1, 2020. You can contact us toll free at (800) 699-4009 or the 
address above to inquire if any changes occurred since the effective date.

IMPORTANT CREDIT CARD DISCLOSURES

INTEREST RATES and INTEREST CHARGES:

Annual Percentage Rate
(APR) for Purchases &
Balance Transfers

APR for Cash Advances

Visa Platinum

0%
Introductory APR for six
months from date of account 
opening for any purchase(s) 
or transfer(s) completed 
within the first 90 days of 
account opening.

After that, your APR will be
7.74%, 9.75%,
10.75%, 12.25%,
or 15.74%
depending on your credit 
history. This APR will vary 
with the market based on the 
Prime Rate.

Visa Platinum Rewards
0% Introductory APR for six
months from date of account 
opening for any purchase(s) 
or transfer(s) completed 
within the first 90 days of 
account opening.

After that, your APR will be
9.74%, 11.75%,
12.75%, 14.25%,
or 17.74%
depending on your credit 
history. This APR will vary 
with the market based on the 
Prime Rate.

Visa Signature CashPlus
0% Introductory APR for six
months from date of account 
opening for any purchase(s) 
or transfer(s) completed 
within the first 90 days of 
account opening.
After that, your APR will be
12.74%, 14.75%,
15.75%, 17.25%,
or 19.74%
depending on your credit 
history. This APR will vary 
with the market based on the 
Prime Rate.

7.74%, 9.75%, 10.75%, 
12.25%, or 15.74%
depending on your credit 
history. This APR will vary 
with the market based on 
the Prime Rate.

9.74%, 11.75%, 12.75%, 
14.25%, or 17.74% 
depending on your credit 
history. This APR will vary 
with the market based on the 
Prime Rate.

12.74%, 14.75%, 15.75%, 
17.25%, or 19.74% 
depending on your credit 
history. This APR will vary 
with the market based on 
the Prime Rate.

Penalty APR and When it
Applies

This APR will vary with the market based on the Prime Rate.

22.74%
This APR may be applied to your account if you:

1. Make a payment that is late 60 days or more;
2. Make a payment that is returned; or
3. Do any of the above on another account that you have with us.

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 until you make six
consecutive on-time payments. If we increase your APRs for any other reason, we may
keep them at this higher level on new balances indefinitely.

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 the date
the cash advance or balance transfer is posted to your account.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.00.

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

9009 LASER ML FI14675 Rev 05-2020

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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

SEE NEXT PAGE for more important information about this account

FEES:

Transaction Fees

• Balance Transfer:

• Cash Advance:

• Foreign Transaction:

Penalty Fees

None

None

None

• Late Payment:

Up to $25.00 if your payment is late.

• Returned Payment:

Up to $25.00 if your payment is returned for any reason.

• Over-the-Credit Limit:

None

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 if you make a late payment.

9009 LASER ML FI14675 Rev 05-2020

page 2 of 2

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.