IBMSECU 
IBM Southeast Employees' Credit Union 
P.O. Box 5090, Boca Raton, FL 33431-0890 
561.982.4700  •  800.873.5100  •  www.ibmsecu.org  •  serviceplus@ibmsecu.org 

CREDIT CARD 
APPLICATION DISCLOSURE 

IMPORTANT CREDIT CARD DISCLOSURES 

The following disclosure represents important details concerning your credit card. The information about costs of the card are 
accurate  as  of 01/01/2016.  You  can  contact  us  toll  free  at  800.873.5100  or  the  address  above  to  inquire  if  any  changes 
occurred since the effective date. 

INTEREST RATES and INTEREST CHARGES: 

Annual Percentage Rate (APR) for 
Purchases and Cash Advances 

9.15% - 18.00%

depending on your credit history. This APR will vary with the market based on the 
Prime Rate. 

APR for Balance Transfers 

4.90 % - 9.90%

Introductory APR until the balance transfer is paid in full for balances transferred 
within 90 days of account opening. All other balance transfers, purchases and 
cash advances will be at the Standard APR of 
depending on your credit history. The Standard APR will vary with the market based 
on the Prime Rate. 

9.15% - 18.00%

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 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 $0.50. 

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 

- Late Payment: 

- Over-the-Credit Limit: 
- Returned Payment: 

None 
None 
2% of each cross border transaction in U.S. dollars if the transaction involves a 
currency conversion 
2% of each cross border transaction in U.S. dollars if the transaction does not 
involve a currency conversion 

If your payment is late 10 business days or more, up to $25.00 for the first offense 
and up to $35.00 each if 2 or more offenses occur within 6 months. 
None. We do not approve authorizations that will exceed your credit limit. 
None 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your 
account agreement for more details. 

Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a 
late payment. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
agreement. 

9009 LASER FPDF FI14762 Rev 01-2016 

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.