1070 Edgefield Road
P.O. Box 6730
North Augusta, SC 29861
(800) 237-9829

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
__________________ . You can contact us toll free at (800) 237-9829 or 1070 Edgefield Road, P.O. Box 6730, North Augusta, SC 29861 to inquire if
any changes occurred since the effective date.
INTEREST RATES and INTEREST CHARGES:

Annual Percentage Rate (APR) for
Purchases

APR for Cash Advances

APR for Balance Transfers

VISA TRADITIONAL
SECURED

0%
Introductory APR for
six months as of
account opening.
After that, your
Standard APR will be

VISA TRADITIONAL

VISA REWARDS

VISA SIGNATURE

0%
Introductory APR for six
months as of account
opening. After that, your
Standard APR will be

0%
Introductory APR for six
months as of account
opening. After that, your
Standard APR will be

0%
Introductory APR for six
months as of account
opening. After that, your
Standard APR will be

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.

depending 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.

This APR will vary
with the market
based on the Prime
Rate.

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.
0% Introductory APR for six
months as of account
opening. After that, your
Standard APR will be

depending on your credit
history. This APR will vary
with the market based on
the Prime Rate.
0% Introductory APR for six
months as of account
opening. After that, your
Standard APR will be

depending on your credit
history. This APR will vary
with the market based on
the Prime Rate.
0% Introductory APR for six
months as of account
opening. After that, your
Standard APR will be

depending 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.

depending on your credit
history. This APR will vary
with the market based on
the Prime Rate.

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

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's web site at http://www.consumerfinance.gov/learnmore.

FEES:

Fees to Open or Maintain your Account

- Annual Fee:
- Application Fee:

Transaction Fees

- Balance Transfer:
- Cash Advance:
- Foreign Transaction:

Penalty Fees

- Late Payment:
- Over-the-Credit Limit:
- Returned Payment:

None
None

None
2% of the amount of each cash advance or $10.00, whichever is greater
1% for any transaction outside the U.S. or U.S. territories

Up to $25.00 if your payment is late 1 day or more
None
Up to $20.00 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)."
Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you are 60 days late.

9013 LASER FPDF FI14832 Rev 6-2017

page 1 of 3

COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.

1070 Edgefield Road
P.O. Box 6730
North Augusta, SC 29861
(800) 237-9829

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 __________________ . You can contact us toll free at (800) 237-9829 or 1070 Edgefield Road, P.O. Box
6730, North Augusta, SC 29861 to inquire if any changes occurred since the effective date.

INTEREST RATES and INTEREST CHARGES:

VISA
TRADITIONAL
SECURED

VISA TRADITIONAL

VISA REWARDS

VISA SIGNATURE

Annual Percentage Rate
(APR) for Purchases, Cash
Advances, & Balance
Transfers

Paying Interest

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.

depending 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.

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

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's web site at
http://www.consumerfinance.gov/learnmore.

FEES:

Fees to Open or Maintain your
Account

- Annual Fee:
- Application Fee:

Transaction Fees

None
None

- Balance Transfer:
- Cash Advance:
- Foreign Transaction:

None
2% of the amount of each cash advance or $10.00, whichever is greater
1% for any transaction outside the U.S. or U.S. territories

Penalty Fees

- Late Payment:
- Over-the-Credit Limit:
- Returned Payment:

Up to $25.00 if your payment is late 1 day or more
None
Up to $20.00 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 FPDF FI19792 8-2017

page 1 of 3

COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.