1982 N. State Road 7
Margate, FL 33063
(954)-745-2400
WeFloridaFinancial.com

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.

IMPORTANT CREDIT CARD DISCLOSURES

INTEREST RATES and INTEREST CHARGES:

Annual Percentage Rate (APR)
for Purchases

1.99% Introductory APR for 6 billing cycles as of account opening.
After that, your Standard APR will be ______%, ______%, or
______%, depending on your credit history.
This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

1.99% Introductory APR for 12 billing cycles as of account opening.

After that, your Standard APR will be ______%, ______%, or ______%, depending
on your credit history. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

1.99% Introductory APR for 12 billing cycles as of account opening.

Paying Interest

After that, your Standard APR will be ______%, ______%, or ______%, depending
on your credit history. 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

None

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

• Annual Fee:
• Application Fee:

Transaction Fees

• Balance Transfer:
• Cash Advance:
• Foreign Transaction:

Penalty Fees

• Late Payment:

• Over-the-Credit Limit:
• Returned Payment:

None for the first year; $49.00 thereafter
None

None
None
None

Up to $25.00 the first time your payment is late 2 days or more. If you make a
subsequent late payment within the following 6 billing cycles, you will be charged up to
$35.00 for each late payment.
None
Up to $25.00 the first time your payment is returned for any reason. If a subsequent
payment is returned for any reason within the following 6 billing cycles, you will be
charged up to $35.00 for each returned payment.

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 standard APR disclosed above if you make a
late payment.

9009 LASER FPDP FI1002071 6-2021

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.