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 BureauTo 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/learnmoreThe 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.IMPORTANT CREDIT CARD DISCLOSURES
INTEREST RATES and INTEREST CHARGES:
Annual Percentage Rate
(APR) for Purchases, Cash
Advances, & Balance
Transfers depending on your creditworthiness. This
APR will vary with the market based on the
Prime Rate.8.90%, 10.90%, 13.90%,
15.90%, or 18.90%
9009 LASER FPDF FI18399  Rev 6-2020 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.VISA PLATINUM VISA SECURED
16.90%
This APR will vary with the market based
on the Prime Rate.
1982 N. State Road 7
Margate, FL 33063
(954)-745-2400
FEES:
Fees to Open or Maintain
your Account
� Application Processing Fee:
� Annual Fee:None
Visa Secured: $50.00 (charged at account opening and annually); Visa Platinum: NoneNOTICE ( 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.
Transaction Fees
� Balance Transfer:
� Cash Advance:
� Foreign Transaction:None
None
3% of each transaction in U.S. dollars.
Penalty Fees
If your payment is more than 2 days late, up to $25.00 for the first offense and up to
$35.00each if 2 or more offenses occur within 6 months.
None
Up to $25.00 if your payment is returned for any reason.� Late Payment:
� Over-the-Credit Limit:
� Returned Payment:
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.