Paying InterestYour due date is at least 25 days after we mail your billing statement. We will not charge you interest on purchases or balance transfers if you pay your entire new purchase balance or balance transfer balance by the due date each month. We will begin charging interest on cash advances on the transaction date.Minimum Interest ChargeNoneFor Credit Card Tips from the Consumer Financial Protection BureauTo 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/learnmoreThe 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 1-800-839-6328 or the address above to inquire if any changes occurred since the effective date.IMPORTANT CREDIT CARD DISCLOSURES8/2/17INTEREST RATES and INTEREST CHARGES:Annual Percentage Rate (APR) for Purchases & Balance TransfersAPR for Cash AdvancesPenalty APR and When it AppliesThis APR may be applied to your account if you make a payment that is late 60 days or more twice in a 12-month period.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 for a period of six billing cycles.Introductory APR for qualifying members, for a period of six billing cycles depending on your credit history. After that, or if you do not qualify for the Introductory APR, your Standard APR will be9009 LASER ML FPDF FI17189 Rev 1-2016COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.PO BOX 89909Tampa, FL 33689-0415depending on your credit history. This APR will vary with the market based on the Prime Rate.depending on your credit history. This APR will vary with the market based on the Prime Rate.Introductory APR for qualifying members, for a period of six billing cycles depending on your credit history. After that, or if you do not qualify for the Introductory APR, your Standard APR will beVISA PLATINUM REWARDSdepending on your credit history. This APR will vary with the market based on the Prime Rate.VISA PLATINUM CASH REWARDSFEES:Transaction Fees- Balance Transfer:- Cash Advance:- Foreign Transaction:NoneNone1% of each transaction in U.S. dollars if the transaction involves a currency conversion1% of each transaction in U.S. dollars if the transaction does not involve a currency conversionPenalty Feesup to $25.00 for the first offense, up to $35.00 for a second offense occurring within 6 billing cycles following the initial offenseup to $25.00 if your payment is returned for any reason- Late Payment:- Returned Payment: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 disclosed above if you make a late payment.Overdraft Protection: If you have overdraft protection linked to your credit card account, overdrafts will be charged to your card at the cash advance APR of ________%.1.99% to 11.99%1.99% to 8.99%7.99% to 17.99%12.24% to 16.24%14.99% to17.99%18.00%18.00%18.00VISA PLATINUM PREFERREDSECURED VISA PLATINUM PREFERRED1.99% to 11.99%Introductory APR for qualifying members, for a period of six billing cycles depending on your credit history. After that, or if you do not qualify for the Introductory APR, your Standard APR will be7.99% to 17.99%depending on your credit history. This APR will vary with the market based on the Prime Rate.