P.O. Box 172599
Tampa, FL 33672-0599
(813) 871-2690
Toll free 1-(888)-871-2690
www.gtefcu.org

The following disclosure represents important details concerning your credit card. The information about costs of the card are
accurate as of February 1, 2011. You can contact us at (813) 871-2690  or toll free at 1-(888)  871-2690  or  P.O. Box 172599,
Tampa, FL 33672-0599 to inquire if any changes occurred since the effective date.

IMPORTANT CREDIT CARD DISCLOSURES

INTEREST RATES and INTEREST CHARGES:

PLATINUM

Annual Percentage Rate (APR)
for Purchases, Cash Advances,
& Balance Transfers

6.99% to 17.99%
depending on your creditworthiness.

SECURED

16.99%

Paying Interest

Your due date is at least 21 days after the close of each billing cycle. We will not charge
you interest on purchases if you pay your entire balance by the due date each month.
We will begin charging interest on cash advances and balance transfers on the
transaction date.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $0.50.

For Credit Card Tips from the
Federal Reserve Board

To learn more about factors to consider when applying for or using a credit card, visit
the website of the Federal Reserve Board at
http://www.federalreserve.gov/creditcard

FEES:

Fees to Open or Maintain your
Account

- Annual Fee:
- Application Fee:

None
None

Transaction Fees

- Convenience Check:
- Balance Transfer:
- Cash Advance:
- Foreign Transaction:

Penalty Fees

- Late Payment:
- Over-the-Credit Limit:
- Returned Payment:
- Returned Convenience Check:
- Convenience Check Stop

Payment Request:

None
None
None
1% of each transaction in U.S. dollars if the transaction involves a currency conversion
0.8% of each transaction in U.S. dollars if the transaction does not involve a currency
conversion

Up to $25.00 if your payment is late 10 days or more
None
Up to $25.00 if your payment is returned for any reason
Up to $25.00 if a convenience check is declined for any reason
Up to $29.00 if you stop payment of a convenience check for any reason

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
Other Fees:

Payment by CU@Home Web Access, Pay My Bill:
Payment by Branch Transaction (from checking):
Payment by Mail to Processing Center:
Rush PIN Fee:
Statement Copy:
Rush Card Fee:
Card Replacement Fee:
Payment By Processor:
Immediate Payment Fee:
Convenience Check Copy Fee:

Free
Free
Free
$15.00 (Available free if completed in branch)
$1.00
$15.00
†$5.00
$5.00
$3.00
$1.00

† Fee waived for Member Advantage program members.
9009 LASER ML FI13040 Rev 9-2011

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.