Annual Percentage Rate (APR)
for Purchases, Cash Advances,
& Balance TransfersIMPORTANT CREDIT CARD DISCLOSURES
Thefollowing disclosure represents important detailsconcerning yourcreditcard.Theinformation aboutcostsofthecardare
accurate asof .Youcancontactustollfreeatthenumberoraddresslistedabovetoinquireifanychanges
occurred since the effective date.
Penalty APR and When it
AppliesINTEREST RATES and INTEREST CHARGES:
depending on your credit history.
This APR will vary with the market based
on the Prime Rate.9.74% 7.99% - 17.99%
17.99%
This APR may be applied to your account if you:
Make a payment that is late 60 days or more;
Go over your credit limit;
Make a payment that is returned; or
Do any of the above on another account that you have with us.1.
2.
3.
4.
HowLongWillthePenaltyAPRApply?IfweincreaseyourAPRsduetoalate
payment, we may keep them at this higher level on existing and new balances until
you make six consecutive on-time payments. If we increase your APRs for any other
reason, we may keep them at this higher level on new balances indefinitely.
Paying Interest Your due date is at least 25 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.
None Minimum Interest Charge
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/learnmoreFor Credit Card Tips from the
Consumer Financial Protection
Bureau
9009 LASER FI14206 Rev 1-2016 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.FEES:
Fees to Open or Maintain your
Account
Visa: None
SecuredVisa:$25.00(one-time fee)
Transaction Fees
Balance Transfer:
Cash Advance:
Foreign Transaction:None
None
3%ofeachtransaction inU.S.dollars-
-
--Account Set Up Fee:
Penalty Fees
Late Payment:
Over-the-Credit Limit:
Returned Payment:-
-
-The late charge for payments received after the due date is equivalent to the minimum
requiredpayment amountuptoamaximum of$25.00.
None
If your payment is returned for any reason, we will charge you the minimum required
payment amountor$25.00,whichever isless.This APR will vary with the market based
on the Prime Rate.VISA: SECURED VISA: