1982 N. State Road 7
Margate, FL 33063
(954)-745-2400

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)  230-0200  or  at  the  address  above  to  inquire  if  any
changes occurred since the effective date.

INTEREST RATES and INTEREST CHARGES:

Annual Percentage Rate
(APR) for Purchases, Cash
Advances, & Balance
Transfers

Paying Interest

VISA PLATINUM

VISA SECURED

8.90%, 10.90%, 13.90%,
15.90%, or 18.90%
depending on your creditworthiness. This
APR will vary with the market based on the
Prime Rate.

16.90%

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

If you are charged interest, the charge will be no less than $1.50.

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

• Application Processing Fee:
• Annual Fee:

Transaction Fees

• Balance Transfer:
• Cash Advance:
• Foreign Transaction:

Penalty Fees

• Late Payment:

• Over-the-Credit Limit:
• Returned Payment:

NOTICE (Applies to Visa Secured only): Maintenance fees may be assessed before you
begin using your card and will reduce the amount of credit you initially have available. For
example, if you are assigned the minimum credit limit of $500.00, and if your
maintenance fees are $100.00, your initial available credit will be only $400.00.
None
Visa Secured: $50.00 (charged at account opening and annually); Visa Platinum: None

None
None
3% of each transaction in U.S. dollars.

If your payment is more than 2 days late, up to $25.00 for the first offense and up to
$35.00 each if 2 or more offenses occur within 6 months.
None
Up to $25.00 if your payment is returned for any reason.

How We Will Calculate Your Balance: We use a method called "average daily balance (including current purchases)."
Variable Rate: The Annual Percentage Rate will change as the Prime Rate changes. It will be equal to the 'Prime Rate' as published
in the Wall Street Journal on June 30th each year plus a margin based on your creditworthiness. The rate will change in July of each
year if the Prime Rate changes.
Card Agreement: You  will  receive  a  Visa  Credit  Card Agreement/Disclosure  with  the  Card.  Please  read  the  entire  disclosure  for
complete details regarding the terms of the account, including rates and fees which are subject to change. The Agreement/Disclosure
is also available on our website at www.wefloridafinancial.com or call us at 954-745-2400 option 4 for complete details.
Balance Transfer Requests: You may request to transfer balances from your higher interest rate credit or store cards by contacting
us at 954-745-2400 or 800-230-0200, option 4. You may transfer any amount; however, the total amount transferred, including any
fees, must be less than your available credit limit. You should not transfer the amount of any disputed purchases or other charge. You
may  lose  your  dispute  rights  if  you  do.  You  may  not  transfer  balances  from  other  accounts  issued  by  We  Florida  Financial.  We
process multiple balance transfers in the order requested. If a balance transfer will exceed the credit available, you authorize us to
process any balance transfer less than the amount requested up to the amount of your credit limit. Please allow up to two weeks for
balance  transfers  to  be  completed.  Accordingly,  you  should  continue  to  make  all  required  payments  until  you  confirm  balance
transfers were made. Balance transfers are processed by mailing a check to the card issuer for payment. Interest begins to accrue on
balance transfers on the date a check is issued for payment.

9009 LASER FPDF FI18399  Rev 6-2020

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.