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 April 1, 2016 . You can contact us toll free at (800) 288-3425 or P.O. Box 6817, Rochester, MN 55903-6817 to inquire
if any changes occurred since the effective date.

INTEREST RATES and INTEREST CHARGES:

Annual Percentage Rate (APR)
for Purchases

9.00% - 11.00%
depending on your credit history.
This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

9.00% -11.00% depending on your credit history. This APR will vary with the market 
based on the Prime Rate.

APR for Balance Transfers

9.00% -11.00% 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. W e 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: 
Inactivity Fee:

Transaction Fees

Balance Transfer:
Cash Advance:
Foreign 
Transaction:

Penalty Fees

None 
None 
None

None
None
1% of each transaction in U.S. dollars if the transaction involves a currency conversion
1% of each transaction in U.S. dollars if the transaction does not involve a currency
conversion

Late Payment:
Over-the-Credit Limit: 
Returned Payment:

Up to $19.00 if your payment is more than 10 days late
None
None

Other Fees

Statement Copy:
Visa Sales Receipt Copy
(30 days to receive):

$2.00
$5.00

How We Will Calculate Your Balance: W e use a method called "average daily balance (including new purchases)."