Annual Percentage Rate (APR)for Purchases, Cash Advances,& Balance TransfersIMPORTANT CREDIT CARD DISCLOSURESThefollowingdisclosurerepresentsimportantdetailsconcerningyourcreditcard.Theinformationaboutcostsofthecardareaccurateasof.Youcancontactustollfreeatthenumberoraddresslistedabovetoinquireifanychangesoccurred since the effective date.Penalty APR and When itAppliesINTEREST RATES and INTEREST CHARGES:depending on your credit history.This APR will vary with the market basedon the Prime Rate.9.49%7.74% - 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; orDo any of the above on another account that you have with us.1.2.3.4.HowLongWillthePenaltyAPRApply?IfweincreaseyourAPRsduetoalatepayment, we may keep them at this higher level on existing and new balances untilyou make six consecutive on-time payments. If we increase your APRs for any otherreason, we may keep them at this higher level on new balances indefinitely.Paying InterestYour due date is at least 25 days after the close of each billing cycle. We will notcharge you interest on purchases if you pay your entire balance by the due date eachmonth. We will begin charging interest on cash advances and balance transfers on thetransaction date.NoneMinimum Interest ChargeTo learn more about factors to consider when applying for or using a credit card, visitthe website of the Consumer Financial Protection Bureau athttp://www.consumerfinance.gov/learnmoreFor Credit Card Tips from theConsumer Financial ProtectionBureau9009 LASER FI14206 Rev 8-2012COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.FEES:Fees to Open or Maintain yourAccountVisa: NoneSecuredVisa:$25.00(one-timefee)Transaction FeesBalance Transfer:Cash Advance:Foreign Transaction:NoneNone3%ofeachtransactioninU.S.dollars----Account Set Up Fee:Penalty FeesLate Payment:Over-the-Credit Limit:Returned Payment:---The late charge for payments received after the due date is equivalent to the minimumrequiredpaymentamountuptoamaximumof$25.00.NoneIf your payment is returned for any reason, we will charge you the minimum requiredpaymentamountor$25.00,whicheverisless.This APR will vary with the market basedon the Prime Rate.VISA:SECURED VISA: