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 a
ccurate 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. INTEREST RA
TES 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 y
ou 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 t
he Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the w ebsite of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore FEES: Fees to Open or Maintain y
our Account �  Application Processing Fee: �  Annual Fee: NOTICE (Applies to Visa Secured only): Maintenance fees may be assessed before you b egin 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. None Visa Secured: $50.00 (charged at account opening and annually); Visa Platinum: None Transaction Fee
s �  Balance Transfer: �  Cash Advance: �  Foreign Transaction: 1%  o
f  the  amount  of  each  transfer  (minimum: $10.00,  maximum:  $300.00) None 1%  o
f  the  amount  of  each  transfer  (minimum: $10.00,  maximum:  $300.00) None 3% of each transaction in U.S. dollars. 3% of each transaction in U.S. dollars. Penalty Fees �  Late Payment: �  Over-the-Credit Li
mit: �  Returned Payment: If your pa yment 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 yo
ur payment is returned for any reason. How We Wi
ll 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. SEE NEXT PAGE for more important information about this account 
9009 LASER FPDF FI16043 Rev 1-2021 page 1 of 2 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.                                                                                                                                                                                                                                                                                    
                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 co
mplete 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 co
 mplete details. Balance Transfer Requests: You may request to transfer balances from your higher interest rate credit or store cards by co
ntacting 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 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved. page 2 of 2