1 WSFS Bank Platinum Visa� Credit Card Terms and Conditions 
Rates, fees, and other important costs of the WSFS Bank Platinum Visa credit card are disclosed below.  Additional fees and account terms are described in the WSFS Bank Credit Card Agreement (�Agreement�) that will be enclosed with the card if a card is issued.  The terms disclosed below and in the Agreement may be changed at any time subject to applicable law.  Based on our evaluation of your credit report and other factors, if approved for a WSFS Bank Credit Card, you will receive a credit card account ("Account") with a minimum credit line of $500.   For purposes of these disclosures, �you� and �your� mean each person who applies for an Account.   
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for 
Purchases 10.74%, 13.74%, 16.74% or 19.74%, bas ed 
on your creditworthiness . 
This APR will vary with the market based on the Prime Rate. 
APR for Balance Transfers  0% introductory APR f or  9 billing cycles if B alance Transfer r equest is 
posted within
 3 billing c ycles of account opening. 
After that, your APR will be 10.74%, 13.74%, 16.74% or 19.74%,  
based on your creditworthiness. 
This APR will vary with th e market bas ed on th e Prime Rate. 
APR for Cash Advances  24.99%  
How to Avoid Paying Interest on 
Purchases Your due date is at least 25 days after the close of each billing cycle. We 
will not charge you any interest on purchases if you pay your entire 
balance by the due date each month.  
Minimum Interest Charge  If you are charged interest, the charge will be no less than $2.00.  
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  
Annual Fee  None  
Transaction Fees  
� Balance Transfer
�Cash Advance
� Foreign TransactionEither $10 or 3% of the amount of each Balance Transfer, whichever is greater. 
Either $10 or 3% of the amount of each Cash Advance, whichever is greater. 
3% of each transaction in  U.S. dollars. 
Penalty Fees  
� Late Payment
� Returned PaymentUp to $35. 
Up to $35. 
How We Will Calculate Your Balance:  For Purchase and Balance Transfer balances, we use a method called �average daily balance (excluding new purchases and new balance transfers).�  For Cash Advance balances, we use a method called �average daily balance (including new cash advances) .�   Billing Rights Summary: Information on your right to dispute transactions is included with the account-opening disclosures. __________________________________________________________________________________________   How the V ariable APRs o n your Account are D etermined: Unless an introductory or promotional A PR is a pplicable, t he 
APRs on your Account for Purchases and Balance Transfers will be determined each billing cycle by adding a �m argin � to 
the �Index�.  Please see below and in your Agreement for more information. 
How Daily Periodic Rates Are Used To Calculate Interest: The daily periodic rate for your Purchase and Balance 
Transfer 
APR is 0.02942%, 0.03764%, 0.04586% or 0.05408%, and Cash Advance APR is 0.06847%.
Margins:
 For Purchases and Balance Transfers, margins of 7.24%, 10.24%, 13.24% or 16.24% will be added to the Index, 
ba
sed on your creditworthiness . 
Index:
 The APRs that apply to your Account for Purchases and Balance Transfers are subject to change each Billing Cycle 
with changes
 to the Index.  The Index  is the Prime Rate (U.S.) as published in the Money Rates section of The Wall Street 
Journal.  As of 3/17/2022, the Prime Rate was 3.50%. 
Payment Allocation. Payments are allocated at our discretion as permitted by  applicable law.  The amount of each 
payment
 equal to the Total Minimum Payment Due is allocated first to unpaid Transaction Fees, Account Fees, and 
Minimum
 Interest Charges, then to unpaid interest charges, then to the balance with the lowest APR and then to balances 
wit
h higher APRs.  Payment amounts in excess of the Total Minimum Payment Due will be applied to balances with higher 
APRs
 before balances with lower APRs.  
Important Information About Procedures for Opening a New Account (USA Patriot Act): To help the government 
fight the funding of terrorism and money laundering activities, Federal law requires  all financial institutions to obtain, verify 
and record
 information that identifies each person who opens an account.  What this means to you: When you open an 
account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.  We may 
also ask to see your driver�s license or other identifying documents. 
About This Credit Card Program: This credit card program is issued and administered by Wilmington Savings Fund 
Society, FSB located in Wilmington, Delaware.  Any Account opened in response to this application shall be governed by 
the laws of the State of Delaware.  Visa is a registered trademark and service mark of Visa International Service 
Association,
 and is used pursuant to a license. 
Card Eligibility: To be eligible for an Account, you must meet certain minimum income, residency, age, credit quality and 
other requirements. 
Balance Transfers: You may be able to transfer balances from eligible credit card accounts to your Account. Balance 
Transfers are subject to a fee based on the amount of the transfer with a minimum fee as indicated in the Fees 
Table abo ve, and are subject to your available credit limit.  If the total amount requested exceeds your available credit 
limit, we may send full or partial payment to your creditors in the order provided to us.  
We
 may limit the number and types of accounts from which we will allow Balance Transfers, and the times, manner, and 
circumstances
 in whic h Balance Transfers may be requested. Balance Transfers may not be payable to you or made 
payable to cash.
  Balance Transfers may be used to pay off other creditors, but cannot be used to pay down or to pay off 
accounts owned by WSFS Bank or to any bank now or previously affiliated with WSFS Bank. 
It
 may take 2 to 4 weeks to process a Balance Transfer request after your Ac count is opened.  You must continue paying 
each of your creditors until the requested Balance Transfer appears on your monthly billing statement s ent to you by your 
creditor
 as a credit.  Your other account(s) will not be closed even if you transfer your entire balance(s).  If you want to 
close such other account(s), please contact your other creditors directly.  Note that if you have a dispute with a creditor and 
pay
 that balance by transferring it to your Account, you may lose certain dispute rights. 
Introductory
 or Promotional APRs on Balance Transfers: If you take advantage of a 0% Introductory or 
Promotional Annual Percentage Rate (APR) Balance Transfer offer and then you use your Account to make new 
Purchases, you can avoid paying interest on those new Purchases if you pay the Minimum Payment Due and the 
total outstanding Purchases balance (this includes any fees that may have been assessed to your Ac count) by the 
Payment Du e Da te shown on your monthly billing statement.  By following these instructions and paying timely, 
2  3 you will not be assessed interest on new purchases made during that billing cycle and you will be able to maintain the benefits of carrying balance transfer balances at the 0% introductory APR.  
Transfers requested with Convenience Checks are processed as Cash Advances, not as Balance Transfers.  If you 
have a dispute with a creditor and pay that creditor with a Balance Transfer or Convenience Check, you may lose certain dispute rights with that creditor. 
Your Telephone Number: When you give us your mobile phone number, we have your permission to contact you at that number about your Account.  Your consent allows us to use text messaging, artificial or pre- recorded voice messages and automatic dialing technology for informational and Account service calls, but not for telemarketing or sales calls.  It may include contact from companies working on our behalf to service your A ccount(s).  Message and data rates may apply.  You may contact us anytime to change these preferences.    Monitoring/Recording of Telephone Calls: You consent and agree that we, any of our affiliates, and any other persons that we authorize in accordance with applicable law, may monitor and/or record any and all telephone communications with you without any additional notice of such monitoring or recording, unless expressly required by applicable law.  Information Sharing: WSFS Bank�s Privacy Policy is available online at www.wsfsbank.com/Privacy-Policy Important Notice & Acknowledgement: By signing or otherwise authorizing and submitting an application, you authorize Wilmington Savings Fund Society, FSB, its successors, assigns, employees and designated agents (together, " WSFS Bank", �us� or �our�), to gather and obtain credit, employment and other information about you, including credit bureau reports, that WSFS Bank may deem necessary or appropriate in order to evaluate your application for credit.  If your application is approved and credit is extended to you, you further authorize WSFS Bank to re-verify any or all of such information from time to time, including obtaining additional credit bureau reports, for any legitimate or permissible purpose in connection with such extension of credit, such as for the purpose of reviewing the Accou nt, increasing or decreasing the credit line on the Account, or for taking collection on the Account, and to furnish information concerning your Account  and our credit experience with you to consumer reporting agencies and others who may properly receive t hat information.  If you ask, you will be informed whether or not a consumer report was requested, and if a report was requested, you will be informed upon request of the name and address of the consumer reporting agency that furnished the report.  You agree that all credit card applications remain the property of WSFS  Bank.  By submitting a credit card application to WSFS Bank, you also certify that all the information you have provided is true and complete, that no essential information has been concealed, and that no misrepresentations have been made on the application.  If approved, you agree to the terms and conditions applicable to the Account for which you are approved.  By submitting a credit card application to WSFS Bank you agree to the Credit Card Terms and Conditions, including the important rate, fee and cost information and the conditions of the Agreement, including the right of WSFS Bank to change terms and add new terms to the Account at any time.  By activating a card or the Account or allowing an authorized person to activate or use a card or the Account, you personally agree to fully pay all amounts owed in connection with the Account as required by the Agreement.   You also agree that the federal and state courts sitting in New Castle County, Delaware shall have exclusive jurisdiction over any judicial action or proceeding relating to or arising out of the A ccount or the Agreement, and you agree to submit to the personal jurisdiction of such courts.  You also agree to waive the right to a trial by jury.  You agree that the Account will only be used for lawful personal, family or household purposes.  You further acknowledge you are at least 18 years of age (19 years of age for residents of Alabama or Nebraska or 21 years of age if you are a resident of Mississippi  or of Puerto Rico). Notice to California Residents: Married applicants may apply for a separate account(s). Notice to New York Residents: Information About Applying for a Credit Card: When you sign or otherwise submit a credit application, you are providing your consent and authorizing WSFS Bank, and its successors, assigns, employees and designated agents to gather credit, employment and other information about you, including credit bureau reports, for purposes of evaluating your application for credit.   If your application is approved and credit is extended to you, we may take steps to re-verify any or all of such information from time to time, including by obtaining additional credit bureau reports, for any legitimate purpose in connection with such extension of credit, such as for the purpose of reviewing the  Account, increasing the credit line on th e Account, or f or collecting on the A ccoun t.  In addition, w e will furnis h information 
concerning your A ccount to c onsumer r eporti ng agencies and others w ho may pr operly r eceive t hat information.  If yo u 
ask, you will be informed whether or no t a consumer r eport was r equested, and if a report was r equested, yo u will be 
informed upon request of t he name and address of t he consumer r eporting agency t hat furnished the report.  When you 
submit a credit a pplication to us, y ou are certifying th at you have not c oncealed essential information for det ermini ng your 
identity and creditworthiness, and that no misrepresentations ha ve been made on the application.  If approved, y ou agree 
to abide by  the terms and conditions ap plicable to th e account.  New York R esidents m ay contact t he New York S tate 
Department of F inancial S ervices b y telepho ne or v isit its website for f ree information on comparative credit c ard rates, 
fees and grace per iods.  New Y ork Stat e Department of Financial Services: 1- 800-342-3736 or http://www.dfs.ny.gov . 
Notice to Ohio R esidents.  The Ohi o laws a gainst d iscrimination require that a ll creditors m ake credit e qually av ailable to 
all creditworthy c ustomers, and that c redit r eporti ng agencies m aintain separate credit hi stories o n each individual up on 
request.  The Ohi o Civil R ights C ommission administers c ompliance with this l aw. 
Notice to R hode I sland a nd V ermont Residents: A c onsumer c redit r eport m ay be order ed in connection with this 
application, or s ubsequently f or purposes of r eview or collection of th e Account, i ncreasing the credit line on the Ac count, 
or other legitimate purposes as sociat ed with the Ac count.  If y ou ar e a V ermont r esident, you c onsent t o the obtaini ng of 
such reports  by signing or ot herwise submitting a credit a pplication. 
Notice to M arried W isconsin R esidents: N o provision of an y marital pr operty ag reement, uni lateral s tatement un der 
Section 766. 59 of the W isconsi n Statutes or c ourt d ecree under Secti on 766.70, a dversely affects the interest of the 
creditor, WSFS Bank, un less WSFS Bank, pr ior to the t ime of the credit is gr anted, i s furnished a copy of t hat a greement, 
statement or de cree, or has  actual k nowled ge of the adverse provision when the obligation t o WSFS Bank is i ncurred.  IF I 
AM A M ARRIE D RESIDENT, CRE DIT E XTENDED UNDER THIS ACCOUNT WILL B E INCURRED IN THE INTEREST 
OF M Y MARRIAGE OR F AMILY.  Married ap plicants must pr ovide their S ocial S ecurity  number and ad dress and their 
spouse's nam e and address to WSFS Credit Card S ervices, P.O. Box 9 76, C laymont , Delaware 19703.  If the card from 
which you ar e applying is granted, yo u will n otify WSFS B ank i f you have a s pous e who ne eds t o receiv e notification that 
credit h as be en extended t o you. 
Notice to D elaware a nd O regon R esidents.  Servic e charges not i n excess of those permitte d by l aw w ill be charged to 
the outstanding balance from month to month.  You m ay pay m ore than the minimum pa yment d ue, up t o your ent ire 
balance, at any time. 
If you have any questions, you may contact WSFS Bank at 1-888-WSFS Bank. 
� 2022 Wilmington Savings  Fund Society, FSB. All rights reserved. 
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