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 
.   You  can   contact   us   toll   free   at   (800)   230-0200   or   at   the   address   above   to   inquire   if   any 
__________
accurate  as  of 
changes  occurred  since  the  effective  date. 

_____

INTEREST RATES and INTEREST CHARGES: 

VISA PLATINUM 

VISA SECURED 

Annual Percentage Rate 
(APR) for Purchases, Cash 
Advances, & Balance 
Transfers 

_______% Introductory APR for first 
____________ monthly billing cycles. After that, 
your Standard APR will be 
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. 

Paying Interest 

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 

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. 

•  Application Processing Fee: 
•  Annual Fee: 

None 
Visa Secured: $50.00 (charged at account opening and annually); Visa Platinum: None 

Transaction Fees 

•  Balance Transfer: 

•  Cash Advance: 

•  Foreign Transaction: 

Penalty Fees 

•  Late Payment: 

•  Over-the-Credit Limit: 
•  Returned Payment: 

1%  of  the  amount  of  each  transfer  (minimum: 
$10.00,  maximum:  $300.00) 
1%  of  the  amount  of  each  transfer  (minimum: 
$10.00,  maximum:  $300.00) 
3% of each transaction in U.S. dollars. 

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)." 

Loss  of  Introductory  Rate:  Visa  Platinum  -There  will  be  no  loss  of  the  Introductory  APR  during  the  first  ____________ 
monthly billing cycles. 

9009 LASER FPDF FI16043 Rev 1-2021 

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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved. 

SEE NEXT PAGE for more important information about this account 

 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
   
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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 FI16043 Rev 1-2021 

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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.