months from date of accountopening for any purchase(s)or transfer(s) completedwithin the first 90 days ofaccount opening.
7.99%, 10.00%,11.00%, 12.50%,or 15.99%Visa Platinum RewardsVisa PlatinumIMPORTANT CREDIT CARD DISCLOSURES
9009 LASER ML FI14675 Rev 3-2022 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.PO Box 324Vancouver, WA 98666360-891-4000
The following disclosure represents important details concerning your credit card including our Credit Card Agreement. The information about 
costs of the card is accurate as of May 1, 2022. You can contact us toll free at (800) 699-4009 or  the address above to inquire if any changes 
occurred since the effective date.
To learn more about factors to consider when applying for or using a credit card, visit thewebsite of the Consumer Financial Protection Bureau athttp://www.consumerfinance.gov/learnmoreIf you are charged interest, the charge will be no less than $1.00.For Credit Card Tips fromthe Consumer FinancialProtection BureauPaying InterestMinimum Interest ChargeYour due date is at least 21 days after we mail your billing statement. We will not charge youinterest on purchases if you pay your entire new purchase balance by the due date eachmonth. We will begin charging interest on cash advances and balance transfers on the datethe cash advance or balance transfer is posted to your account.How Long Will the Penalty APR Apply? If we increase your APRs due to a late payment,we may keep them at this higher level on existing and new balances until you make sixconsecutive on-time payments. If we increase your APRs for any other reason, we maykeep them at this higher level on new balances indefinitely.This APR will vary with the market based on the Prime Rate.This APR may be applied to your account if you:22.99%1. Make a payment that is late 60 days or more;2. Make a payment that is returned; or3. Do any of the above on another account that you have with us.Penalty APR and When itAppliesIntroductory APR for 12INTEREST RATES and INTEREST CHARGES:
depending on your credithistory. This APR will varywith the market based on thePrime Rate.After that, your APR will be0% Annual Percentage Rate(APR) for Purchases &Balance Transfers
Visa Signature CashPlus
depending on your credithistory. This APR will varywith the market based on thePrime Rate.After that, your APR will be
9.99%, 12.00%,13.00%, 14.50%,or 17.99%
depending on your credithistory. This APR will varywith the market based on thePrime Rate.After that, your APR will be12.99%, 15.00%,16.00%, 17.50%,or 19.99%
APR for Cash Advances
SEE NEXT PAGE for more important information about this account7.99%, 10.00%, 11.00%,12.50%, or 15.99%depending on your credithistory. This APR will varywith the market based on thePrime Rate.Introductory 
APR for 120% Introductory APR for 120%
9.99%, 12.00%, 13.00%,14.50%, or 17.99%depending on your credithistory. This APR will varywith the market based on thePrime Rate.12.99%, 15.00%, 16.00%,17.50%, or 19.99%depending 
on your credithistory. This APR will varywith the market based on thePrime Rate.
page 1 of 2months from date of accountopening for any purchase(s)or transfer(s) completedwithin the first 90 days ofaccount opening.months from date of accountopening for any purchase(s)or transfer(s) completedwithin the first 90 days ofaccount opening. Up to $25.00 if your payment is late.Up to $25.00 if your payment is returned for any reason.NoneTransaction FeesNoneNoneNone� Late Payment:� Returned Payment:� Over-the-Credit Limit:Penalty FeesFEES:� Balance Transfer:� Cash Advance:� Foreign Transaction:
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 Penalty APR if you make a late payment.
9009 LASER ML FI14675 Rev 3-2022 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.page 2 of 2