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 _________________. You can contact us toll free at the number or address on Page 1 to inquire if any changes 
occurred since the effective date.

May 1, 2022

INTEREST RATES and INTEREST CHARGES:

Annual Percentage Rate 
(APR) for Purchases, 
Cash Advances, & 
Balance Transfers

Essential

Life Rewards

Extra

9.00% 10.00%
,
,
,
,
13.00% 15.00%
17.00%
or
depending
on your credit history. 
This APR will vary with 
the market based on the 
Prime Rate.

11.00% 12.00%
,
,
,
,
15.00% 17.00%
or
17.90%
depending
on your credit history. 
This APR will vary with 
the market based on the 
Prime Rate.

13.00% 14.00%
,
,
or
17.00%
17.90%
depending
on your credit history. 
This APR will vary with 
the market based on the 
Prime Rate.

Essential 
Secured

17.90%

Penalty APR and When it 
Applies

Paying Interest

17.90% This APR may be applied to your account if you make a payment that is late 60 days or 
more.
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.

Your due date is at least 25 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 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:

Penalty Fees

None
None
Extra: None; All Other Cards: 1% of each transaction in U.S. dollars

• Late Payment:
• Over-the-Credit Limit:
• Returned Payment:

Up to $35 if your payment is late.
None
Up to $35 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 LASER XFM FI1001783 01-2022

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COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.

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