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.

10/01/2016

INTEREST RATES and INTEREST CHARGES:

VISA PLATINUM

VISA SECURED

VISA CREDIT BUILDER

Annual Percentage Rate
(APR) for Purchases,
Cash Advances, &
Balance Transfers

9.15%, 11.15%,
14.15%, 16.15%, or
19.15%
depending on your creditworthiness.
This APR will vary with the market
based on the Prime Rate.

17.15%
This APR will vary
with the market
based on the Prime
Rate.

21.15%
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

• Application Processing
Fee:

NOTICE (Applies to Visa Secured and Visa Credit Builder 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.

Visa Platinum: $50.00 (one-time charge if a current Credit Rebuilder cardholder applies for the
Visa Platinum card);
Visa Secured: None;
Visa Credit Rebuilder: $50.00 (charged at the time you apply for the Credit Rebuilder card; and
at the time you apply for any credit limit increases; and if Credit Rebuilder cardholders apply
for the Visa Platinum card).

• Annual Fee:

Visa Platinum: None;
Visa Secured: $0.00 for the first year, $50.00 thereafter on each anniversary date;
Visa Credit Rebuilder: $50.00 (charged at account opening and annually).

Transaction Fees

• Balance Transfer:

• Cash Advance:
• Foreign Transaction:

Penalty Fees

• Late Payment:

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.

• Over-the-Credit Limit:
• Returned Payment:

Up to $25.00 if you exceed your credit limit.
Up to $25.00 if your payment is returned for any reason.

9009 LASER FPDF FI18399  Rev 1-2016

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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

SEE NEXT PAGE for more important information about this account

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.

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