b"Rewards Platinum Credit Card\nInformation on this disclosure was accurate as of April 30, 2020. This card will be issued and administered by TCM Bank, N.A. Before you\nsubmit your application, please read through these Important Disclosures, which contain additional information about rates, fees, and\nother costs, as applicable. The variable rates, the fees, and the terms are subject to change. To find out if any rates, fees or terms have\nchanged, please write to: TCM Bank, N.A., P.O. Box 31537, Tampa, FL 33631. Each applicant must be at least 18 years of age.\n\nInterest Rates and Interest Charges\nAnnual Percentage\nIntroductory APR applies for twelve billing cycles from date of account opening.\nRate (APR) for\nPurchases\nAfter that, your APR will be\n, based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.*\n\n0%\n\nAPR for Balance\nTransfers\nAPR for Cash\nAdvances\nHow to Avoid\nPaying Interest on\nPurchases\nMinimum Interest\nCharge\nFor Credit Card\nTips from the\nConsumer\nFinancial\nProtection Bureau\nFees\nAnnual Fee\nTransaction Fees\n\n9.99% to 19.99%\n\n0% Introductory APR applies for twelve billing cycles from date of account opening.\nAfter that, your APR will be 9.99% to 19.99%, based on your creditworthiness. This APR will\nvary with the market based on the Prime Rate.*\n21.99%\nThis APR will vary with the market based on the Prime Rate.*\nYour due date is at least 23 days after the close of each billing cycle. We will not charge you\nany interest on purchases if you pay your entire balance by the due date each month.\nIf you are charged interest, the charge will be no less than $1.00.\nTo learn more about factors to consider when applying for or using a credit card, visit\nthe website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nNone\n\n\xe2\x80\xa2\n\nBalance\nTransfer\n\nEither $5 or 3% of each balance transferred, whichever is greater.\n\n\xe2\x80\xa2\n\nCash\nAdvance\n\nEither $5 or 3% of each cash advance, whichever is greater.\n\nForeign\nTransaction\nPenalty Fees\n\xe2\x80\xa2\n\n1% of the U.S. dollar amount of each transaction made in a foreign currency, in U.S. dollars\noutside the U.S., or (whether in a foreign currency or in U.S. dollars) with a foreign merchant.\n\n\xe2\x80\xa2\n\nLate\nPayment\n\nUp to $40.\n\n\xe2\x80\xa2\n\nOver-the\nCredit Limit\n\nNone\n\n\xe2\x80\xa2\n\nReturned\nPayment\n\nUp to $40.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (including new transactions).\xe2\x80\x9d\nLoss of the Introductory APR: If you make a late payment, we may end your Introductory APR for Purchases and Balance\nTransfers and apply the Purchase and Balance Transfer APR which would apply when the Introductory APR expires.\n\n\x0cLoss of the Employee Rate: If you are eligible for the Employee Rate Program, you will receive an 9.99% variable APR\non purchases and balance transfers. In the event your current employment ends, we will apply the APR then in effect\nwhich would apply when the Introductory APR expires, based on your creditworthiness.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights will be provided in your Cardholder\nAgreement.\n*We add a margin to the Prime Rate to determine variable APRs. We use the highest Prime Rate listed in The Wall Street Journal on\nthe last business day of the calendar month prior to your statement closing date (\xe2\x80\x9cLast Business Day\xe2\x80\x9d) and apply it beginning with the\nfirst billing period following the Last Business Day. APRs shown here are based on a 3.25% Prime Rate. For each billing period, the\nAPR is determined by adding a margin to the Prime Rate. The margin for the APR for Purchases and Balance Transfers is 6.74% to\n16.74%, based on your creditworthiness and for Cash Advances is 18.74%.\nNOTICE: A consumer credit report may be requested in connection with this application and subsequent consumer reports may be\nrequested or utilized in connection with an update, renewal or extension of the credit for which application was made. Upon request, you\nwill be informed whether or not a consumer report was requested, and if such report was requested, informed of the name and address\nof the consumer reporting agency that furnished the report. You agree that we will consider this an Application for a Visa\xc2\xae or Mastercard\xc2\xae\naccount. You agree that we reserve the right, based upon our evaluation of information furnished by you or others, not to open an account.\nImportant Information About Procedures for Opening a New Account\nTo help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to\nobtain, verify, and record information that identifies each person who opens an account.\nWhat this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will\nallow us to identify you. We may also ask to see your driver's license or other identifying documents.\nState Laws Require the Following Notices: California Residents: A married applicant may apply for a separate account. After credit\napproval, each applicant shall have the right to use this account to the extent of any limit set by the creditor and each applicant may be\nliable for all amounts extended under this account to any joint applicant. Delaware Residents: Service charges not in excess of those\npermitted by law will be charged on the outstanding balances from month to month. New York Residents: New York residents may contact\nthe New York state department of financial services by telephone or visit its website for free information on comparative credit card rates,\nfees and grace periods. New York state department of financial services telephone: (800) 342-3736 and website: www.dfs.ny.gov. Ohio\nResidents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and\nthat credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission\nadministers compliance with this law. Married Wisconsin Residents: Your signature confirms that this credit obligation is being incurred\nin the interest of your marriage or family. No provision of any marital property agreement, unilateral statement under Section 766.59, or\ncourt decree under Section 766.70, adversely affects the creditor\xe2\x80\x99s interest unless, prior to the time the credit is granted, the creditor is\nfurnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the\ncreditor is incurred. If the credit card for which you are applying is granted, you will notify TCM Bank if you have a spouse who needs to\nreview notification that credit has been extended to you.\nApplicable Law: The above rates and fees are governed, as are your Cardholder Agreement and account, by the applicable laws and\nregulations of the United States of America and to the extent not preempted by federal law, the laws and regulations of the State of\nFlorida.\nBalance Transfer Disclosures: You agree to allow approximately 30 days for us to process your application and, if approved, transfer the\nbalance(s) to your TCM account. Please continue to make at least minimum payments on your other credit cards until they notify you\nthat the balances have been transferred. If the amounts you request to be transferred do not satisfy the outstanding balance(s) on the\ndesignated accounts, you will continue to be responsible for those balances. The total amount of your balance transfer request cannot\nexceed the amount of your credit line. You may not transfer balances from other accounts issued by TCM Bank. Transfer requests to cash\nor to yourself cannot be processed. The payment and transfer of balances are contingent upon approval by the bank and receipt of\ncomplete, legible balance transfer requests.\nRewards: In order to access reward points, your account must be open and in good standing.\n\n\x0cCash Rewards Platinum Credit Card\nInformation on this disclosure was accurate as of April 30, 2020. This card will be issued and administered by TCM Bank, N.A. Before you\nsubmit your application, please read through these Important Disclosures, which contain additional information about rates, fees, and\nother costs, as applicable. The variable rates, the fees, and the terms are subject to change. To find out if any rates, fees or terms have\nchanged, please write to: TCM Bank, N.A., P.O. Box 31537, Tampa, FL 33631. Each applicant must be at least 18 years of age.\n\nInterest Rates and Interest Charges\nAnnual Percentage\nIntroductory APR applies for twelve billing cycles from date of account opening.\nRate (APR) for\nPurchases\nAfter that, your APR will be\n, based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.*\n\n0%\n\nAPR for Balance\nTransfers\nAPR for Cash\nAdvances\nHow to Avoid\nPaying Interest on\nPurchases\nMinimum Interest\nCharge\nFor Credit Card\nTips from the\nConsumer\nFinancial\nProtection Bureau\nFees\nAnnual Fee\nTransaction Fees\n\n12.99% to 22.99%\n\n0% Introductory APR applies for twelve billing cycles from date of account opening.\nAfter that, your APR will be 12.99% to 22.99%, based on your creditworthiness. This APR\nwill vary with the market based on the Prime Rate.*\n21.99% to 24.99%\nThis APR will vary with the market based on the Prime Rate.*\nYour due date is at least 23 days after the close of each billing cycle. We will not charge you\nany interest on purchases if you pay your entire balance by the due date each month.\nIf you are charged interest, the charge will be no less than $1.00.\nTo learn more about factors to consider when applying for or using a credit card, visit\nthe website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nNone\n\n\xe2\x80\xa2\n\nBalance\nTransfer\n\nEither $5 or 3% of each balance transferred, whichever is greater.\n\n\xe2\x80\xa2\n\nCash\nAdvance\n\nEither $5 or 3% of each cash advance, whichever is greater.\n\nForeign\nTransaction\nPenalty Fees\n\xe2\x80\xa2\n\n1% of the U.S. dollar amount of each transaction made in a foreign currency, in U.S. dollars\noutside the U.S., or (whether in a foreign currency or in U.S. dollars) with a foreign merchant.\n\n\xe2\x80\xa2\n\nLate\nPayment\n\nUp to $40.\n\n\xe2\x80\xa2\n\nOver-the\nCredit Limit\n\nNone\n\n\xe2\x80\xa2\n\nReturned\nPayment\n\nUp to $40.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (including new transactions).\xe2\x80\x9d\nLoss of the Introductory APR: If you make a late payment, we may end your Introductory APR for Purchases and Balance\nTransfers and apply the Purchase and Balance Transfer APR which would apply when the Introductory APR expires.\n\n\x0cLoss of the Employee Rate: If you are eligible for the Employee Rate Program, you will receive an 12.99% variable APR\non purchases and balance transfers. In the event your current employment ends, we will apply the APR then in effect\nwhich would apply when the Introductory APR expires, based on your creditworthiness.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights will be provided in your Cardholder\nAgreement.\n*We add a margin to the Prime Rate to determine variable APRs. We use the highest Prime Rate listed in The Wall Street Journal on the\nlast business day of the calendar month prior to your statement closing date (\xe2\x80\x9cLast Business Day\xe2\x80\x9d) and apply it beginning with the first\nbilling period following the Last Business Day. APRs shown here are based on a 3.25% Prime Rate. For each billing period, the APR is\ndetermined by adding a margin to the Prime Rate. The margin for the APR for Purchases and Balance Transfers is 9.74% to 19.74%,\nbased on your creditworthiness and for Cash Advances is 18.74% to 21.74%.\nNOTICE: A consumer credit report may be requested in connection with this application and subsequent consumer reports may be\nrequested or utilized in connection with an update, renewal or extension of the credit for which application was made. Upon request, you\nwill be informed whether or not a consumer report was requested, and if such report was requested, informed of the name and address\nof the consumer reporting agency that furnished the report. You agree that we will consider this an Application for a Visa\xc2\xae or Mastercard\xc2\xae\naccount. You agree that we reserve the right, based upon our evaluation of information furnished by you or others, not to open an account.\nImportant Information About Procedures for Opening a New Account\nTo help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to\nobtain, verify, and record information that identifies each person who opens an account.\nWhat this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will\nallow us to identify you. We may also ask to see your driver's license or other identifying documents.\nState Laws Require the Following Notices: California Residents: A married applicant may apply for a separate account. After credit\napproval, each applicant shall have the right to use this account to the extent of any limit set by the creditor and each applicant may be\nliable for all amounts extended under this account to any joint applicant. Delaware Residents: Service charges not in excess of those\npermitted by law will be charged on the outstanding balances from month to month. New York Residents: New York residents may contact\nthe New York state department of financial services by telephone or visit its website for free information on comparative credit card rates,\nfees and grace periods. New York state department of financial services telephone: (800) 342-3736 and website: www.dfs.ny.gov. Ohio\nResidents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and\nthat credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission\nadministers compliance with this law. Married Wisconsin Residents: Your signature confirms that this credit obligation is being incurred\nin the interest of your marriage or family. No provision of any marital property agreement, unilateral statement under Section 766.59, or\ncourt decree under Section 766.70, adversely affects the creditor\xe2\x80\x99s interest unless, prior to the time the credit is granted, the creditor is\nfurnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the\ncreditor is incurred. If the credit card for which you are applying is granted, you will notify TCM Bank if you have a spouse who needs to\nreview notification that credit has been extended to you.\nApplicable Law: The above rates and fees are governed, as are your Cardholder Agreement and account, by the applicable laws and\nregulations of the United States of America and to the extent not preempted by federal law, the laws and regulations of the State of\nFlorida.\nBalance Transfer Disclosures: You agree to allow approximately 30 days for us to process your application and, if approved, transfer the\nbalance(s) to your TCM account. Please continue to make at least minimum payments on your other credit cards until they notify you\nthat the balances have been transferred. If the amounts you request to be transferred do not satisfy the outstanding balance(s) on the\ndesignated accounts, you will continue to be responsible for those balances. The total amount of your balance transfer request cannot\nexceed the amount of your credit line. You may not transfer balances from other accounts issued by TCM Bank. Transfer requests to cash\nor to yourself cannot be processed. The payment and transfer of balances are contingent upon approval by the bank and receipt of\ncomplete, legible balance transfer requests.\nCash Rewards: In order to access cash rewards, your account must be open and in good standing.\n\n\x0cPlatinum Edition Credit Card\nInformation on this disclosure was accurate as of April 30, 2020. This card will be issued and administered by TCM Bank, N.A. Before you\nsubmit your application, please read through these Important Disclosures, which contain additional information about rates, fees, and\nother costs, as applicable. The variable rates, the fees, and the terms are subject to change. To find out if any rates, fees or terms have\nchanged, please write to: TCM Bank, N.A., P.O. Box 31537, Tampa, FL 33631. Each applicant must be at least 18 years of age.\n\nInterest Rates and Interest Charges\nAnnual Percentage\nIntroductory APR applies for twelve billing cycles from date of account opening.\nRate (APR) for\nPurchases\nAfter that, your APR will be\n, based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.*\n\n0%\n\nAPR for Balance\nTransfers\nAPR for Cash\nAdvances\nHow to Avoid\nPaying Interest on\nPurchases\nMinimum Interest\nCharge\nFor Credit Card\nTips from the\nConsumer\nFinancial\nProtection Bureau\nFees\nAnnual Fee\nTransaction Fees\n\n8.99% to 18.99%\n\n0% Introductory APR applies for twelve billing cycles from date of account opening.\nAfter that, your APR will be 8.99% to 18.99%, based on your creditworthiness. This APR will\nvary with the market based on the Prime Rate.*\n21.99%\nThis APR will vary with the market based on the Prime Rate.*\nYour due date is at least 23 days after the close of each billing cycle. We will not charge you\nany interest on purchases if you pay your entire balance by the due date each month.\nIf you are charged interest, the charge will be no less than $1.00.\nTo learn more about factors to consider when applying for or using a credit card, visit\nthe website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nNone\n\n\xe2\x80\xa2\n\nBalance\nTransfer\n\nEither $5 or 3% of each balance transferred, whichever is greater.\n\n\xe2\x80\xa2\n\nCash\nAdvance\n\nEither $5 or 3% of each cash advance, whichever is greater.\n\nForeign\nTransaction\nPenalty Fees\n\xe2\x80\xa2\n\n1% of the U.S. dollar amount of each transaction made in a foreign currency, in U.S. dollars\noutside the U.S., or (whether in a foreign currency or in U.S. dollars) with a foreign merchant.\n\n\xe2\x80\xa2\n\nLate\nPayment\n\nUp to $40.\n\n\xe2\x80\xa2\n\nOver-the\nCredit Limit\n\nNone\n\n\xe2\x80\xa2\n\nReturned\nPayment\n\nUp to $40.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (including new transactions).\xe2\x80\x9d\nLoss of the Introductory APR: If you make a late payment, we may end your Introductory APR for Purchases and Balance\nTransfers and apply the Purchase and Balance Transfer APR which would apply when the Introductory APR expires.\n\n\x0cLoss of the Employee Rate: If you are eligible for the Employee Rate Program, you will receive a 8.99% variable APR\non purchases and balance transfers. In the event your current employment ends, we will apply the APR then in effect\nwhich would apply when the Introductory APR expires, based on your creditworthiness.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights will be provided in your Cardholder\nAgreement.\n*We add a margin to the Prime Rate to determine variable APRs. We use the highest Prime Rate listed in The Wall Street Journal on\nthe last business day of the calendar month prior to your statement closing date (\xe2\x80\x9cLast Business Day\xe2\x80\x9d) and apply it beginning with the\nfirst billing period following the Last Business Day. APRs shown here are based on a 3.25% Prime Rate. For each billing period, the\nAPR is determined by adding a margin to the Prime Rate. The margin for the APR for Purchases and Balance Transfers is 5.74% to\n15.74%, based on your creditworthiness and for Cash Advances is 18.74%.\nNOTICE: A consumer credit report may be requested in connection with this application and subsequent consumer reports may be\nrequested or utilized in connection with an update, renewal or extension of the credit for which application was made. Upon request, you\nwill be informed whether or not a consumer report was requested, and if such report was requested, informed of the name and address\nof the consumer reporting agency that furnished the report. You agree that we will consider this an Application for a Visa\xc2\xae or Mastercard\xc2\xae\naccount. You agree that we reserve the right, based upon our evaluation of information furnished by you or others, not to open an account.\nImportant Information About Procedures for Opening a New Account\nTo help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to\nobtain, verify, and record information that identifies each person who opens an account.\nWhat this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will\nallow us to identify you. We may also ask to see your driver's license or other identifying documents.\nState Laws Require the Following Notices: California Residents: A married applicant may apply for a separate account. After credit\napproval, each applicant shall have the right to use this account to the extent of any limit set by the creditor and each applicant may be\nliable for all amounts extended under this account to any joint applicant. Delaware Residents: Service charges not in excess of those\npermitted by law will be charged on the outstanding balances from month to month. New York Residents: New York residents may contact\nthe New York state department of financial services by telephone or visit its website for free information on comparative credit card rates,\nfees and grace periods. New York state department of financial services telephone: (800) 342-3736 and website: www.dfs.ny.gov. Ohio\nResidents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and\nthat credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission\nadministers compliance with this law. Married Wisconsin Residents: Your signature confirms that this credit obligation is being incurred\nin the interest of your marriage or family. No provision of any marital property agreement, unilateral statement under Section 766.59, or\ncourt decree under Section 766.70, adversely affects the creditor\xe2\x80\x99s interest unless, prior to the time the credit is granted, the creditor is\nfurnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the\ncreditor is incurred. If the credit card for which you are applying is granted, you will notify TCM Bank if you have a spouse who needs to\nreview notification that credit has been extended to you.\nApplicable Law: The above rates and fees are governed, as are your Cardholder Agreement and account, by the applicable laws and\nregulations of the United States of America and to the extent not preempted by federal law, the laws and regulations of the State of\nFlorida.\nBalance Transfer Disclosures: You agree to allow approximately 30 days for us to process your application and, if approved, transfer the\nbalance(s) to your TCM account. Please continue to make at least minimum payments on your other credit cards until they notify you\nthat the balances have been transferred. If the amounts you request to be transferred do not satisfy the outstanding balance(s) on the\ndesignated accounts, you will continue to be responsible for those balances. The total amount of your balance transfer request cannot\nexceed the amount of your credit line. You may not transfer balances from other accounts issued by TCM Bank. Transfer requests to cash\nor to yourself cannot be processed. The payment and transfer of balances are contingent upon approval by the bank and receipt of\ncomplete, legible balance transfer requests.\n\n\x0cSecured Platinum Credit Card\nInformation on this disclosure was accurate as of April 30, 2020. This card will be issued and administered by TCM Bank, N.A. Before you\nsubmit your application, please read through these Important Disclosures, which contain additional information about rates, fees, and\nother costs, as applicable. The variable rates, the fees, and the terms are subject to change. To find out if any rates, fees or terms have\nchanged, please write to: TCM Bank, N.A., P.O. Box 31537, Tampa, FL 33631. Each applicant must be at least 18 years of age.\n\nInterest Rates and Interest Charges\nAnnual Percentage\n.\nRate (APR) for\nPurchases\nThis APR will vary with the market based on the Prime Rate.*\n\n18.99%\n\nAPR for Balance\nTransfers\nAPR for Cash\nAdvances\nHow to Avoid\nPaying Interest on\nPurchases\nMinimum Interest\nCharge\nFor Credit Card\nTips from the\nConsumer\nFinancial\nProtection Bureau\nFees\nAnnual Fee\nTransaction Fees\n\n18.99%.\nThis APR will vary with the market based on the Prime Rate.*\n21.99%\nThis APR will vary with the market based on the Prime Rate.*\nYour due date is at least 23 days after the close of each billing cycle. We will not charge you\nany interest on purchases if you pay your entire balance by the due date each month.\nIf you are charged interest, the charge will be no less than $1.00.\nTo learn more about factors to consider when applying for or using a credit card, visit\nthe website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\n$29\n\n\xe2\x80\xa2\n\nBalance\nTransfer\n\nEither $5 or 3% of each balance transferred, whichever is greater.\n\n\xe2\x80\xa2\n\nCash\nAdvance\n\nEither $5 or 3% of each cash advance, whichever is greater.\n\nForeign\nTransaction\nPenalty Fees\n\xe2\x80\xa2\n\n1% of the U.S. dollar amount of each transaction made in a foreign currency, in U.S. dollars\noutside the U.S., or (whether in a foreign currency or in U.S. dollars) with a foreign merchant.\n\n\xe2\x80\xa2\n\nLate\nPayment\n\nUp to $40.\n\n\xe2\x80\xa2\n\nOver-the\nCredit Limit\n\nNone\n\n\xe2\x80\xa2\n\nReturned\nPayment\n\nUp to $40.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (including new transactions).\xe2\x80\x9d\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights will be provided in your Cardholder\nAgreement.\n*We add a margin to the Prime Rate to determine variable APRs. We use the highest Prime Rate listed in The Wall Street Journal on\nthe last business day of the calendar month prior to your statement closing date (\xe2\x80\x9cLast Business Day\xe2\x80\x9d) and apply it beginning with the\nfirst billing period following the Last Business Day. APRs shown here are based on a 3.25% Prime Rate. For each billing period, the\n\n\x0cAPR is determined by adding a margin to the Prime Rate. The margin for the APR for Purchases and Balance Transfers is 15.74% and\nfor Cash Advances is 18.74%.\nNOTICE: A consumer credit report may be requested in connection with this application and subsequent consumer reports may be\nrequested or utilized in connection with an update, renewal or extension of the credit for which application was made. Upon request, you\nwill be informed whether or not a consumer report was requested, and if such report was requested, informed of the name and address\nof the consumer reporting agency that furnished the report. You agree that we will consider this an Application for a Visa\xc2\xae or Mastercard\xc2\xae\naccount. You agree that we reserve the right, based upon our evaluation of information furnished by you or others, not to open an account.\nImportant Information About Procedures for Opening a New Account\nTo help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to\nobtain, verify, and record information that identifies each person who opens an account.\nWhat this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will\nallow us to identify you. We may also ask to see your driver's license or other identifying documents.\nState Laws Require the Following Notices: California Residents: A married applicant may apply for a separate account. After credit\napproval, each applicant shall have the right to use this account to the extent of any limit set by the creditor and each applicant may be\nliable for all amounts extended under this account to any joint applicant. Delaware Residents: Service charges not in excess of those\npermitted by law will be charged on the outstanding balances from month to month. New York Residents: New York residents may contact\nthe New York state department of financial services by telephone or visit its website for free information on comparative credit card rates,\nfees and grace periods. New York state department of financial services telephone: (800) 342-3736 and website: www.dfs.ny.gov. Ohio\nResidents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and\nthat credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission\nadministers compliance with this law. Married Wisconsin Residents: Your signature confirms that this credit obligation is being incurred\nin the interest of your marriage or family. No provision of any marital property agreement, unilateral statement under Section 766.59, or\ncourt decree under Section 766.70, adversely affects the creditor\xe2\x80\x99s interest unless, prior to the time the credit is granted, the creditor is\nfurnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the\ncreditor is incurred. If the credit card for which you are applying is granted, you will notify TCM Bank if you have a spouse who needs to\nreview notification that credit has been extended to you.\nApplicable Law: The above rates and fees are governed, as are your Cardholder Agreement and account, by the applicable laws and\nregulations of the United States of America and to the extent not preempted by federal law, the laws and regulations of the State of\nFlorida.\nBalance Transfer Disclosures: You agree to allow approximately 30 days for us to process your application and, if approved, transfer the\nbalance(s) to your TCM account. Please continue to make at least minimum payments on your other credit cards until they notify you\nthat the balances have been transferred. If the amounts you request to be transferred do not satisfy the outstanding balance(s) on the\ndesignated accounts, you will continue to be responsible for those balances. The total amount of your balance transfer request cannot\nexceed the amount of your credit line. You may not transfer balances from other accounts issued by TCM Bank. Transfer requests to cash\nor to yourself cannot be processed. The payment and transfer of balances are contingent upon approval by the bank and receipt of\ncomplete, legible balance transfer requests.\nDeposit Account Disclosures:\nYour Secured Deposit Account will serve as collateral for your credit card obligations to us.\n\xe2\x80\xa2\nThis is a non-interest bearing account.\n\xe2\x80\xa2\nYou must deposit between $300 and $5,000 to open this account and must maintain a balance equal to your approved credit\nlimit.\n\xe2\x80\xa2\nThere are no fees associated with your account.\n\xe2\x80\xa2\nYou may not make any withdrawals from or deposits to this account.\nThe full deposit agreement for your Secured Deposit Account will be provided with your card. If you disagree with the terms and conditions\nof the deposit agreement you should contact us immediately after you receive it and request to close the Secured Deposit Account and\nyour credit card account.\nYou understand that the terms of your Secured Deposit Account are subject to change. IMPORTANT NOTICE REGARDING CHANGES\nIN TERMS: We reserve the right to unilaterally change the terms of your Secured Deposit Account at any time for any reason. All changes\nin terms will be subject to the requirements of applicable law.\n\n\x0cVisa\xc2\xae Signature Travel Credit Card\nInformation on this disclosure was accurate as of April 30, 2020. This card will be issued and administered by TCM Bank, N.A. Before you\nsubmit your application, please read through these Important Disclosures, which contain additional information about rates, fees, and\nother costs, as applicable. The variable rates, the fees, and the terms are subject to change. To find out if any rates, fees or terms have\nchanged, please write to: TCM Bank, N.A., P.O. Box 31537, Tampa, FL 33631. Each applicant must be at least 18 years of age.\n\nInterest Rates and Interest Charges\nAnnual Percentage\nIntroductory APR applies for twelve billing cycles from date of account opening.\nRate (APR) for\nPurchases\nAfter that, your APR will be\n, based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.*\n\n0%\n\nAPR for Balance\nTransfers\nAPR for Cash\nAdvances\nHow to Avoid\nPaying Interest on\nPurchases\nMinimum Interest\nCharge\nFor Credit Card\nTips from the\nConsumer\nFinancial\nProtection Bureau\nFees\nAnnual Fee\nTransaction Fees\n\n12.99% to 18.99%\n\n0% Introductory APR applies for twelve billing cycles from date of account opening.\nAfter that, your APR will be 12.99% to 18.99%, based on your creditworthiness. This APR\nwill vary with the market based on the Prime Rate.*\n21.99%\nThis APR will vary with the market based on the Prime Rate.*\nYour due date is at least 23 days after the close of each billing cycle. We will not charge you\nany interest on purchases if you pay your entire balance by the due date each month.\nIf you are charged interest, the charge will be no less than $1.00.\nTo learn more about factors to consider when applying for or using a credit card, visit\nthe website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nNone\n\n\xe2\x80\xa2\n\nBalance\nTransfer\n\nEither $5 or 3% of each balance transferred, whichever is greater.\n\n\xe2\x80\xa2\n\nCash\nAdvance\n\nEither $5 or 3% of each cash advance, whichever is greater.\n\nForeign\nTransaction\nPenalty Fees\n\xe2\x80\xa2\n\n1% of the U.S. dollar amount of each transaction made in a foreign currency, in U.S. dollars\noutside the U.S., or (whether in a foreign currency or in U.S. dollars) with a foreign merchant.\n\n\xe2\x80\xa2\n\nLate\nPayment\n\nUp to $40.\n\n\xe2\x80\xa2\n\nOver-the\nCredit Limit\n\nNone\n\n\xe2\x80\xa2\n\nReturned\nPayment\n\nUp to $40.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (including new transactions).\xe2\x80\x9d\nLoss of the Introductory APR: If you make a late payment, we may end your Introductory APR for Purchases and Balance\nTransfers and apply the Purchase and Balance Transfer APR which would apply when the Introductory APR expires.\n\n\x0cLoss of the Employee Rate: If you are eligible for the Employee Rate Program, you will receive an 12.99% variable APR\non purchases and balance transfers. In the event your current employment ends, we will apply the APR then in effect\nwhich would apply when the Introductory APR expires, based on your creditworthiness.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights will be provided in your Cardholder\nAgreement.\n*We add a margin to the Prime Rate to determine variable APRs. We use the highest Prime Rate listed in The Wall Street Journal on\nthe last business day of the calendar month prior to your statement closing date (\xe2\x80\x9cLast Business Day\xe2\x80\x9d) and apply it beginning with the\nfirst billing period following the Last Business Day. APRs shown here are based on a 3.25% Prime Rate. For each billing period, the\nAPR is determined by adding a margin to the Prime Rate. The margin for the APR for Purchases and Balance Transfers is 9.74% to\n15.74%, based on your creditworthiness and for Cash Advances is 18.74%.\nNOTICE: A consumer credit report may be requested in connection with this application and subsequent consumer reports may be\nrequested or utilized in connection with an update, renewal or extension of the credit for which application was made. Upon request, you\nwill be informed whether or not a consumer report was requested, and if such report was requested, informed of the name and address\nof the consumer reporting agency that furnished the report. You agree that we will consider this an Application for a Visa\xc2\xae or Mastercard\xc2\xae\naccount. You agree that we reserve the right, based upon our evaluation of information furnished by you or others, not to open an account.\nImportant Information About Procedures for Opening a New Account\nTo help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to\nobtain, verify, and record information that identifies each person who opens an account.\nWhat this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will\nallow us to identify you. We may also ask to see your driver's license or other identifying documents.\nState Laws Require the Following Notices: California Residents: A married applicant may apply for a separate account. After credit\napproval, each applicant shall have the right to use this account to the extent of any limit set by the creditor and each applicant may be\nliable for all amounts extended under this account to any joint applicant. Delaware Residents: Service charges not in excess of those\npermitted by law will be charged on the outstanding balances from month to month. New York Residents: New York residents may contact\nthe New York state department of financial services by telephone or visit its website for free information on comparative credit card rates,\nfees and grace periods. New York state department of financial services telephone: (800) 342-3736 and website: www.dfs.ny.gov. Ohio\nResidents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and\nthat credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission\nadministers compliance with this law. Married Wisconsin Residents: Your signature confirms that this credit obligation is being incurred\nin the interest of your marriage or family. No provision of any marital property agreement, unilateral statement under Section 766.59, or\ncourt decree under Section 766.70, adversely affects the creditor\xe2\x80\x99s interest unless, prior to the time the credit is granted, the creditor is\nfurnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the\ncreditor is incurred. If the credit card for which you are applying is granted, you will notify TCM Bank if you have a spouse who needs to\nreview notification that credit has been extended to you.\nApplicable Law: The above rates and fees are governed, as are your Cardholder Agreement and account, by the applicable laws and\nregulations of the United States of America and to the extent not preempted by federal law, the laws and regulations of the State of\nFlorida.\nBalance Transfer Disclosures: You agree to allow approximately 30 days for us to process your application and, if approved, transfer the\nbalance(s) to your TCM account. Please continue to make at least minimum payments on your other credit cards until they notify you\nthat the balances have been transferred. If the amounts you request to be transferred do not satisfy the outstanding balance(s) on the\ndesignated accounts, you will continue to be responsible for those balances. The total amount of your balance transfer request cannot\nexceed the amount of your credit line. You may not transfer balances from other accounts issued by TCM Bank. Transfer requests to cash\nor to yourself cannot be processed. The payment and transfer of balances are contingent upon approval by the bank and receipt of\ncomplete, legible balance transfer requests.\nRewards: In order to access reward points, your account must be open and in good standing.\nVisa Signature\xc2\xae Travel Terms and Conditions\nAccident Insurance. Coverage applies when the entire cost of the fare has been charged to the card. Your account must be in\ngood standing. Certain terms, conditions and exclusions apply. Please refer to your Program Rules for further details.\n1Travel\n\n\x0c2Auto\n\nRental Collision Damage Waiver. With your Visa card, you\xe2\x80\x99re covered for damage due to collision or theft so you can rest easy in\nyour rental. Secure and charge your rental to your covered card and decline the collision damage waiver (or loss damage waiver)\noffered by the rental agency. Certain terms, conditions and exclusions apply. Please refer to your Guide to Benefits for further details.\n3Lost Luggage Insurance. Coverage applies to checked/carry-on luggage and the personal property contained within for up to $3,000,\nwhen the entire common carrier passenger fare has been charged to your card.\n4Visa Signature Concierge. Cardholders are responsible for the cost of any goods or services purchased by the Visa Signature\nConcierge on cardholders\xe2\x80\x99 behalf.\n\n\x0cWorld Mastercard\xc2\xae Credit Card\nInformation on this disclosure was accurate as of April 30, 2020. This card will be issued and administered by TCM Bank, N.A. Before you\nsubmit your application, please read through these Important Disclosures, which contain additional information about rates, fees, and\nother costs, as applicable. The variable rates, the fees, and the terms are subject to change. To find out if any rates, fees or terms have\nchanged, please write to: TCM Bank, N.A., P.O. Box 31537, Tampa, FL 33631. Each applicant must be at least 18 years of age.\n\nInterest Rates and Interest Charges\nAnnual Percentage\nIntroductory APR applies for twelve billing cycles from date of account opening.\nRate (APR) for\nPurchases\nAfter that, your APR will be\n, based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.*\n\n0%\n\nAPR for Balance\nTransfers\nAPR for Cash\nAdvances\nHow to Avoid\nPaying Interest on\nPurchases\nMinimum Interest\nCharge\nFor Credit Card\nTips from the\nConsumer\nFinancial\nProtection Bureau\nFees\nAnnual Fee\nTransaction Fees\n\n12.99% to 18.99%\n\n0% Introductory APR applies for twelve billing cycles from date of account opening.\nAfter that, your APR will be 12.99% to 18.99%, based on your creditworthiness. This APR\nwill vary with the market based on the Prime Rate.*\n21.99%\nThis APR will vary with the market based on the Prime Rate.*\nYour due date is at least 23 days after the close of each billing cycle. We will not charge you\nany interest on purchases if you pay your entire balance by the due date each month.\nIf you are charged interest, the charge will be no less than $1.00.\nTo learn more about factors to consider when applying for or using a credit card, visit\nthe website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nNone\n\n\xe2\x80\xa2\n\nBalance\nTransfer\n\nEither $5 or 3% of each balance transferred, whichever is greater.\n\n\xe2\x80\xa2\n\nCash\nAdvance\n\nEither $5 or 3% of each cash advance, whichever is greater.\n\nForeign\nTransaction\nPenalty Fees\n\xe2\x80\xa2\n\n1% of the U.S. dollar amount of each transaction made in a foreign currency, in U.S. dollars\noutside the U.S., or (whether in a foreign currency or in U.S. dollars) with a foreign merchant.\n\n\xe2\x80\xa2\n\nLate\nPayment\n\nUp to $40.\n\n\xe2\x80\xa2\n\nOver-the\nCredit Limit\n\nNone\n\n\xe2\x80\xa2\n\nReturned\nPayment\n\nUp to $40.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (including new transactions).\xe2\x80\x9d\nLoss of the Introductory APR: If you make a late payment, we may end your Introductory APR for Purchases and Balance\nTransfers and apply the Purchase and Balance Transfer APR which would apply when the Introductory APR expires.\n\n\x0cLoss of the Employee Rate: If you are eligible for the Employee Rate Program, you will receive a 12.99% variable APR\non purchases and balance transfers. In the event your current employment ends, we will apply the APR then in effect\nwhich would apply when the Introductory APR expires, based on your creditworthiness.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights will be provided in your Cardholder\nAgreement.\n*We add a margin to the Prime Rate to determine variable APRs. We use the highest Prime Rate listed in The Wall Street Journal on\nthe last business day of the calendar month prior to your statement closing date (\xe2\x80\x9cLast Business Day\xe2\x80\x9d) and apply it beginning with the\nfirst billing period following the Last Business Day. APRs shown here are based on a 3.25% Prime Rate. For each billing period, the\nAPR is determined by adding a margin to the Prime Rate. The margin for the APR for Purchases and Balance Transfers is 9.74% to\n15.74%, based on your creditworthiness and for Cash Advances is 18.74%.\nNOTICE: A consumer credit report may be requested in connection with this application and subsequent consumer reports may be\nrequested or utilized in connection with an update, renewal or extension of the credit for which application was made. Upon request, you\nwill be informed whether or not a consumer report was requested, and if such report was requested, informed of the name and address\nof the consumer reporting agency that furnished the report. You agree that we will consider this an Application for a Visa\xc2\xae or Mastercard\xc2\xae\naccount. You agree that we reserve the right, based upon our evaluation of information furnished by you or others, not to open an account.\nImportant Information About Procedures for Opening a New Account\nTo help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to\nobtain, verify, and record information that identifies each person who opens an account.\nWhat this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will\nallow us to identify you. We may also ask to see your driver's license or other identifying documents.\nState Laws Require the Following Notices: California Residents: A married applicant may apply for a separate account. After credit\napproval, each applicant shall have the right to use this account to the extent of any limit set by the creditor and each applicant may be\nliable for all amounts extended under this account to any joint applicant. Delaware Residents: Service charges not in excess of those\npermitted by law will be charged on the outstanding balances from month to month. New York Residents: New York residents may contact\nthe New York state department of financial services by telephone or visit its website for free information on comparative credit card rates,\nfees and grace periods. New York state department of financial services telephone: (800) 342-3736 and website: www.dfs.ny.gov. Ohio\nResidents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and\nthat credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission\nadministers compliance with this law. Married Wisconsin Residents: Your signature confirms that this credit obligation is being incurred\nin the interest of your marriage or family. No provision of any marital property agreement, unilateral statement under Section 766.59, or\ncourt decree under Section 766.70, adversely affects the creditor\xe2\x80\x99s interest unless, prior to the time the credit is granted, the creditor is\nfurnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the\ncreditor is incurred. If the credit card for which you are applying is granted, you will notify TCM Bank if you have a spouse who needs to\nreview notification that credit has been extended to you.\nApplicable Law: The above rates and fees are governed, as are your Cardholder Agreement and account, by the applicable laws and\nregulations of the United States of America and to the extent not preempted by federal law, the laws and regulations of the State of\nFlorida.\nBalance Transfer Disclosures: You agree to allow approximately 30 days for us to process your application and, if approved, transfer the\nbalance(s) to your TCM account. Please continue to make at least minimum payments on your other credit cards until they notify you\nthat the balances have been transferred. If the amounts you request to be transferred do not satisfy the outstanding balance(s) on the\ndesignated accounts, you will continue to be responsible for those balances. The total amount of your balance transfer request cannot\nexceed the amount of your credit line. You may not transfer balances from other accounts issued by TCM Bank. Transfer requests to cash\nor to yourself cannot be processed. The payment and transfer of balances are contingent upon approval by the bank and receipt of\ncomplete, legible balance transfer requests.\nRewards: In order to access reward points, your account must be open and in good standing.\nWorld Mastercard\xc2\xae Travel Terms and Conditions\nAccident Insurance. Coverage applies when the entire cost of the fare has been charged to the card. Your account must be in\ngood standing. Certain terms, conditions and exclusions apply. Please refer to your Mastercard Guide to Benefits for further details.\n1Travel\n\n\x0cWorld Mastercard\xc2\xae Credit Card\nInformation on this disclosure was accurate as of April 30, 2020. This card will be issued and administered by TCM Bank, N.A. Before you\nsubmit your application, please read through these Important Disclosures, which contain additional information about rates, fees, and\nother costs, as applicable. The variable rates, the fees, and the terms are subject to change. To find out if any rates, fees or terms have\nchanged, please write to: TCM Bank, N.A., P.O. Box 31537, Tampa, FL 33631. Each applicant must be at least 18 years of age.\n\nInterest Rates and Interest Charges\nAnnual Percentage\nThe standard APR will be\n, based on your creditworthiness.\nRate (APR) for\nPurchases\nThis APR will vary with the market based on the Prime Rate.*\n\n9.99% to 15.99%\n\nAPR for Balance\nTransfers\nAPR for Cash\nAdvances\nHow to Avoid\nPaying Interest on\nPurchases\nMinimum Interest\nCharge\nFor Credit Card\nTips from the\nConsumer\nFinancial\nProtection Bureau\nFees\nAnnual Fee\nTransaction Fees\n\nThe standard APR will be 9.99% to 15.99%, based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.*\n21.99%\nThis APR will vary with the market based on the Prime Rate.*\nYour due date is at least 23 days after the close of each billing cycle. We will not charge you\nany interest on purchases if you pay your entire balance by the due date each month.\nIf you are charged interest, the charge will be no less than $1.00.\nTo learn more about factors to consider when applying for or using a credit card, visit\nthe website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nNone\n\n\xe2\x80\xa2\n\nBalance\nTransfer\n\nEither $5 or 3% of each balance transferred, whichever is greater.\n\n\xe2\x80\xa2\n\nCash\nAdvance\n\nEither $5 or 3% of each cash advance, whichever is greater.\n\nForeign\nTransaction\nPenalty Fees\n\xe2\x80\xa2\n\n1% of the U.S. dollar amount of each transaction made in a foreign currency, in U.S. dollars\noutside the U.S., or (whether in a foreign currency or in U.S. dollars) with a foreign merchant.\n\n\xe2\x80\xa2\n\nLate\nPayment\n\nUp to $40.\n\n\xe2\x80\xa2\n\nOver-the\nCredit Limit\n\nNone\n\n\xe2\x80\xa2\n\nReturned\nPayment\n\nUp to $40.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (including new transactions).\xe2\x80\x9d\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights will be provided in your Cardholder\nAgreement.\n*We add a margin to the Prime Rate to determine variable APRs. We use the highest Prime Rate listed in The Wall Street Journal on\nthe last business day of the calendar month prior to your statement closing date (\xe2\x80\x9cLast Business Day\xe2\x80\x9d) and apply it beginning with the\nfirst billing period following the Last Business Day. APRs shown here are based on a 3.25% Prime Rate. For each billing period, the\n\n\x0cAPR is determined by adding a margin to the Prime Rate. The margin for the APR for Purchases and Balance Transfers is 6.74% to\n12.74%, based on your creditworthiness and for Cash Advances is 18.74%.\nNOTICE: A consumer credit report may be requested in connection with this application and subsequent consumer reports may be\nrequested or utilized in connection with an update, renewal or extension of the credit for which application was made. Upon request, you\nwill be informed whether or not a consumer report was requested, and if such report was requested, informed of the name and address\nof the consumer reporting agency that furnished the report. You agree that we will consider this an Application for a Visa\xc2\xae or Mastercard\xc2\xae\naccount. You agree that we reserve the right, based upon our evaluation of information furnished by you or others, not to open an account.\nImportant Information About Procedures for Opening a New Account\nTo help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to\nobtain, verify, and record information that identifies each person who opens an account.\nWhat this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will\nallow us to identify you. We may also ask to see your driver's license or other identifying documents.\nState Laws Require the Following Notices: California Residents: A married applicant may apply for a separate account. After credit\napproval, each applicant shall have the right to use this account to the extent of any limit set by the creditor and each applicant may be\nliable for all amounts extended under this account to any joint applicant. Delaware Residents: Service charges not in excess of those\npermitted by law will be charged on the outstanding balances from month to month. New York Residents: New York residents may contact\nthe New York state department of financial services by telephone or visit its website for free information on comparative credit card rates,\nfees and grace periods. New York state department of financial services telephone: (800) 342-3736 and website: www.dfs.ny.gov. Ohio\nResidents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and\nthat credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission\nadministers compliance with this law. Married Wisconsin Residents: Your signature confirms that this credit obligation is being incurred\nin the interest of your marriage or family. No provision of any marital property agreement, unilateral statement under Section 766.59, or\ncourt decree under Section 766.70, adversely affects the creditor\xe2\x80\x99s interest unless, prior to the time the credit is granted, the creditor is\nfurnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the\ncreditor is incurred. If the credit card for which you are applying is granted, you will notify TCM Bank if you have a spouse who needs to\nreview notification that credit has been extended to you.\nApplicable Law: The above rates and fees are governed, as are your Cardholder Agreement and account, by the applicable laws and\nregulations of the United States of America and to the extent not preempted by federal law, the laws and regulations of the State of\nFlorida.\nBalance Transfer Disclosures: You agree to allow approximately 30 days for us to process your application and, if approved, transfer the\nbalance(s) to your TCM account. Please continue to make at least minimum payments on your other credit cards until they notify you\nthat the balances have been transferred. If the amounts you request to be transferred do not satisfy the outstanding balance(s) on the\ndesignated accounts, you will continue to be responsible for those balances. The total amount of your balance transfer request cannot\nexceed the amount of your credit line. You may not transfer balances from other accounts issued by TCM Bank. Transfer requests to cash\nor to yourself cannot be processed. The payment and transfer of balances are contingent upon approval by the bank and receipt of\ncomplete, legible balance transfer requests.\nRewards: In order to access reward points, your account must be open and in good standing.\nWorld Mastercard\xc2\xae Travel Terms and Conditions\nAccident Insurance. Coverage applies when the entire cost of the fare has been charged to the card. Your account must be in\ngood standing. Certain terms, conditions and exclusions apply. Please refer to your Mastercard Guide to Benefits for further details.\n1Travel\n\n\x0cRewards Platinum Credit Card\nInformation on this disclosure was accurate as of April 30, 2020. This card will be issued and administered by TCM Bank, N.A. Before you\nsubmit your application, please read through these Important Disclosures, which contain additional information about rates, fees, and\nother costs, as applicable. The variable rates, the fees, and the terms are subject to change. To find out if any rates, fees or terms have\nchanged, please write to: TCM Bank, N.A., P.O. Box 31537, Tampa, FL 33631. Each applicant must be at least 18 years of age.\n\nInterest Rates and Interest Charges\nAnnual Percentage\nThe standard APR will be\n, based on your creditworthiness.\nRate (APR) for\nPurchases\nThis APR will vary with the market based on the Prime Rate.*\n\n9.99% to 19.99%\n\nAPR for Balance\nTransfers\nAPR for Cash\nAdvances\nHow to Avoid\nPaying Interest on\nPurchases\nMinimum Interest\nCharge\nFor Credit Card\nTips from the\nConsumer\nFinancial\nProtection Bureau\nFees\nAnnual Fee\nTransaction Fees\n\nThe standard APR will be 9.99% to 19.99%, based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.*\n21.99%\nThis APR will vary with the market based on the Prime Rate.*\nYour due date is at least 23 days after the close of each billing cycle. We will not charge you\nany interest on purchases if you pay your entire balance by the due date each month.\nIf you are charged interest, the charge will be no less than $1.00.\nTo learn more about factors to consider when applying for or using a credit card, visit\nthe website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nNone\n\n\xe2\x80\xa2\n\nBalance\nTransfer\n\nEither $5 or 3% of each balance transferred, whichever is greater.\n\n\xe2\x80\xa2\n\nCash\nAdvance\n\nEither $5 or 3% of each cash advance, whichever is greater.\n\nForeign\nTransaction\nPenalty Fees\n\xe2\x80\xa2\n\n1% of the U.S. dollar amount of each transaction made in a foreign currency, in U.S. dollars\noutside the U.S., or (whether in a foreign currency or in U.S. dollars) with a foreign merchant.\n\n\xe2\x80\xa2\n\nLate\nPayment\n\nUp to $40.\n\n\xe2\x80\xa2\n\nOver-the\nCredit Limit\n\nNone\n\n\xe2\x80\xa2\n\nReturned\nPayment\n\nUp to $40.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (including new transactions).\xe2\x80\x9d\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights will be provided in your Cardholder\nAgreement.\n*We add a margin to the Prime Rate to determine variable APRs. We use the highest Prime Rate listed in The Wall Street Journal on\nthe last business day of the calendar month prior to your statement closing date (\xe2\x80\x9cLast Business Day\xe2\x80\x9d) and apply it beginning with the\nfirst billing period following the Last Business Day. APRs shown here are based on a 3.25% Prime Rate. For each billing period, the\n\n\x0cAPR is determined by adding a margin to the Prime Rate. The margin for the APR for Purchases and Balance Transfers is 6.74% to\n16.74%, based on your creditworthiness and for Cash Advances is 18.74%.\nNOTICE: A consumer credit report may be requested in connection with this application and subsequent consumer reports may be\nrequested or utilized in connection with an update, renewal or extension of the credit for which application was made. Upon request, you\nwill be informed whether or not a consumer report was requested, and if such report was requested, informed of the name and address\nof the consumer reporting agency that furnished the report. You agree that we will consider this an Application for a Visa\xc2\xae or Mastercard\xc2\xae\naccount. You agree that we reserve the right, based upon our evaluation of information furnished by you or others, not to open an account.\nImportant Information About Procedures for Opening a New Account\nTo help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to\nobtain, verify, and record information that identifies each person who opens an account.\nWhat this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will\nallow us to identify you. We may also ask to see your driver's license or other identifying documents.\nState Laws Require the Following Notices: California Residents: A married applicant may apply for a separate account. After credit\napproval, each applicant shall have the right to use this account to the extent of any limit set by the creditor and each applicant may be\nliable for all amounts extended under this account to any joint applicant. Delaware Residents: Service charges not in excess of those\npermitted by law will be charged on the outstanding balances from month to month. New York Residents: New York residents may contact\nthe New York state department of financial services by telephone or visit its website for free information on comparative credit card rates,\nfees and grace periods. New York state department of financial services telephone: (800) 342-3736 and website: www.dfs.ny.gov. Ohio\nResidents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and\nthat credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission\nadministers compliance with this law. Married Wisconsin Residents: Your signature confirms that this credit obligation is being incurred\nin the interest of your marriage or family. No provision of any marital property agreement, unilateral statement under Section 766.59, or\ncourt decree under Section 766.70, adversely affects the creditor\xe2\x80\x99s interest unless, prior to the time the credit is granted, the creditor is\nfurnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the\ncreditor is incurred. If the credit card for which you are applying is granted, you will notify TCM Bank if you have a spouse who needs to\nreview notification that credit has been extended to you.\nApplicable Law: The above rates and fees are governed, as are your Cardholder Agreement and account, by the applicable laws and\nregulations of the United States of America and to the extent not preempted by federal law, the laws and regulations of the State of\nFlorida.\nBalance Transfer Disclosures: You agree to allow approximately 30 days for us to process your application and, if approved, transfer the\nbalance(s) to your TCM account. Please continue to make at least minimum payments on your other credit cards until they notify you\nthat the balances have been transferred. If the amounts you request to be transferred do not satisfy the outstanding balance(s) on the\ndesignated accounts, you will continue to be responsible for those balances. The total amount of your balance transfer request cannot\nexceed the amount of your credit line. You may not transfer balances from other accounts issued by TCM Bank. Transfer requests to cash\nor to yourself cannot be processed. The payment and transfer of balances are contingent upon approval by the bank and receipt of\ncomplete, legible balance transfer requests.\nRewards: In order to access reward points, your account must be open and in good standing.\n\n\x0c"


b'VISA Summit & VISA Rewards\nCredit Card Rates\n\nwww.coorscu.org\nInterest Rates and Interest Charges\n\xc2\xae\n\nANNUAL PERCENTAGE RATE\n(APR)for purchases\n*Introductory Rate is valid for 12\nmonths after account opening.\nAfter the initial 12 months, the APR\nwill revert to the qualified rate\n\nVISA Summit\n*Must meet eligibility criteria.\n\nVISA\xc2\xae Rewards\nPoints are accrued with eligible purchases and\nredeemable for merchandise and/or travel\nrewards. 1,000 Bonus Points on new accounts\nwill be applied after first purchase of $1 or\nmore.\n\n1.99%*\n\n1.99%*\n\n7.90% OR\n\n11.90% OR\n\n9.90% OR\n\n11.90% OR\n\n11.90% OR\n\n13.90% OR\n\n13.90% OR\n\n15.90% OR\n\n15.90% OR\n\n17.90%\n\n17.90% OR\n\nn/a\n\n21.00%\n\nn/a\n\nANNUAL PERCENTAGE RATE\nFor Cash Advances\n\nCash Advance APRs are the same as qualified rate.\n\nANNUAL PERCENTAGE RATE\nFor Balance Transfers\n\n2.99% for the first 12 months after account is opened.\nUnpaid transfer balances after 12 months\nwill revert to the qualified rate\n\nPaying Interest\nHow We Calculate Your Balance\nAnnual Fee:\n\n25 day Grace period from date of billing statement on purchases.\nNo Grace period on cash advances.\nWe use a method called \xe2\x80\x9caverage daily balance (including new\npurchases).\xe2\x80\x9d\nNo annual fee\nNo Minimum Finance Charge\n\nMinimum Finance Charge:\nMinimum Payment Calculation:\n\nThe minimum monthly payment is\n$20.00, or 2% of the balance\noutstanding\n(whichever is greater)\n\nThe minimum monthly payment is\n$25.00, or 3% of the balance\noutstanding\n(whichever is greater)\n\nTransaction Fees\nBalance Transfer\n\nNo balance transfer fee\n\nCash Advance\n\nNo cash advance fee\n\nLate Payment\n\nUp to $15.00 if 10 days past due\n\nForeign Transaction\n\n1% of the purchase in addition to the currency exchange rate\nfee in effect at the time of the transaction.\nFor Credit Card Tips from the Consumer To learn more about factors to consider when applying for or using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at\nFinancial Protection Bureau\nwww.cfpb.gov. (Link is to alternative website not operated by the credit\nunion, not responsible for content and privacy/security policies may differ\nthan those practiced by the credit union)\n\n\x0cVISA\xc2\xae Credit Card Agreement and Truth-In-Lending Disclosure\nIn this Agreement the words you and your mean each and all of those who apply for the card. Card means the VISA\xc2\xae\nCredit Card and any duplicates and renewals we issue. Account means the VISA\xc2\xae Credit Card Line of Credit account with\nus. We, us and ours means Coors Credit Union.\nRESPONSIBILITY \xe2\x80\x93 If we issue you a card, you agree to repay all debts and the FINANCE CHARGE arising from the use of the\ncard and the card account. For example, you are responsible for charges made by yourself, your spouse and minor\nchildren. You are also responsible for charges made by any one else to who whom you give the card, and this responsibility\ncontinues until the card is recovered. You cannot disclaim responsibility by notifying us, but we will close the account for\nnew transactions if you so request and return all cards. Your obligation to pay the account balance continues even though\nan agreement, divorce decree or other court judgment to which we are not a party may direct you or one of the other\npersons responsible to pay the account. Any person using the card is jointly responsible with you for charges he or she\nmakes, but if that person signs the card he or she becomes a party to this Agreement and is also jointly responsible for all\ncharges on the account, including yours.\nLIABILITY FOR UNAUTHORIZED USE \xe2\x80\x93 LOST/STOLEN CARD NOTIFICATION You may be liable for the unauthorized use of your\nCredit Card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible\nunauthorized use. You will not be liable for unauthorized purchases made with your credit card, unless you are grossly\nnegligent in the handling of your card. The 24-hour telephone number for VISA\xc2\xae is (800) 237-6211.\nCREDIT LINE \xe2\x80\x93 If we approve your application, we will establish a self-replenishing Line of Credit for you and notify you of its\namount when we issue the card. You agree not to let the account balance exceed this approved Credit Line. Each\npayment you make on the account will restore your Credit Line by the amount of the payment that is applied to the\nprincipal. You may request an increase in your Credit Line by written application to us, or on-line through our Web site. By\ngiving you written notice, we may reduce your Credit Line from time to time, or with good cause, revoke your card and\nterminate this Agreement. Good cause includes your failure to comply with this Agreement, or our adverse reevaluation of\nyour creditworthiness. You may also terminate this Agreement in writing at any time, but termination by either of us does not\naffect your obligation to pay the account balance. The cards remain our property and you must recover and surrender to\nus all cards upon our request and upon termination of this Agreement.\nCREDIT INFORMATION \xe2\x80\x93 You authorize us to investigate your credit standing when opening, renewing or reviewing your\naccount, and you authorize us to disclose information regarding your account to credit bureaus and other creditors who\ninquire of us about your credit standing.\nSUMMIT VISA MONTHLY PAYMENT \xe2\x80\x93 We will mail you a statement every month showing your Previous Balance of purchases\nand cash advances, the transactions on your account during the billing period, the unused credit available under your\nCredit Line, the FINANCE CHARGE due on purchases and cash advances, any other billed fees, the Account Balance, and\nthe Minimum Payment required. Every month you must pay at least the Minimum Payment by the due date reflected on\nyour statement. You may, of course, pay more frequently, pay more than the Minimum Payment, or pay the total New\nBalance in full. You will reduce the FINANCE CHARGE by doing so. The Minimum Payment will be either (a) 2% of your total\nNew Balance, or $20 whichever is greater, or (b) your total New Balance, if it is less than $25.00, plus (c) any portion of the\nMinimum Payment(s) shown as prior statement(s) which remains unpaid. In addition, at any time your total New Balance\nexceeds your Credit Line, you must immediately pay the excess upon our demand. We will apply your payments first to the\nFINANCE CHARGE on new purchases and new cash advances, then to the late fee and/or annual fee (when applicable),\nthen to purchases and cash advances previously billed, and then to any credit insurance premiums. If two or more\npurchases were posted on the same day, your payment will be applied to the smallest first.\nREWARDS VISA MONTHLY PAYMENT \xe2\x80\x93 We will mail you a statement every month showing your Previous Balance of purchases\nand cash advances, the transactions on your account during the billing period, the unused credit available under your\nCredit Line, the FINANCE CHARGE due on purchases and cash advances, any other billed fees, the Account Balance, and\nthe Minimum Payment required. Every month you must pay at least the Minimum Payment by the due date reflected on\nyour statement. You may, of course, pay more frequently, pay more than the Minimum Payment, or pay the total New\nBalance in full. You will reduce the FINANCE CHARGE by doing so. The Minimum Payment will be either (a) 3% of your total\nNew Balance, or $25 whichever is greater, or (b) your total New Balance, if it is less than $25.00, plus (c) any portion of the\nMinimum Payment(s) shown as prior statement(s) which remains unpaid. In addition, at any time your total New Balance\nexceeds your Credit Line, you must immediately pay the excess upon our demand. We will apply your payments first to the\nFINANCE CHARGE on new purchases and new cash advances, then to the late fee and/or annual fee (when applicable),\nthen to purchases and cash advances previously billed, and then to any credit insurance premiums. If two or more\npurchases were posted on the same day, your payment will be applied to the smallest first. Bonus points will be applied\nafter the first purchase of $1.00 or more.\n\n\x0cFINANCE CHARGES (Purchases) \xe2\x80\x93 A Finance Charge will be imposed on Credit Purchases only if you elect not to pay the\nentire New Balance shown on your monthly statement. If you elect not to pay the entire New Balance shown on your\nprevious monthly statement within that 25-day period, a Finance Charge will be imposed on the unpaid average daily\nbalance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from the date of\nposting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing\ncycle preceding the date on which the entire New Balance is paid in full or until the date of payment if more than 25 days\nfrom the closing date. The introductory rate will remain in effect for the first 12 months after account opening; thereafter,\nunpaid balances will be assessed finance charged at the qualified rate.\nFINANCE CHARGES (Cash Advance) A Finance Charge will be imposed on all Cash Advances beginning the 1st day of the\nCash Advance until the Statement cutoff date. Finance Charges for Cash Advances are imposed on the unpaid average\ndaily cash balance beginning from the previous statement cutoff date to the current statement cutoff date. The\nintroductory rate will be in effect for the first 12 months; thereafter, finance charges on unpaid balances will be assessed at\nthe qualified rate. There is no grace period to pay off a cash balance without incurring a Finance Charge.\nBALANCE COMPUTATION METHOD \xe2\x80\x93 The Finance Charge for a billing cycle is computed by applying the daily Periodic Rate\nto the average daily balances of purchases and cash advances in the account. The daily Periodic Rate and the\ncorresponding ANNUAL PERCENTAGE RATE are disclosed in the table at the beginning of this document. The average daily\nbalance of Credit Purchases is determined by dividing the sum of the daily balance during the billing cycle by the number\nof days in the cycle. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of\nCredit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account, and subtracting\nany payments as received and credits as posted to your account, but excluding any unpaid Finance Charges.\nDEFAULT \xe2\x80\x93 You will be in default if you fail to make any Minimum Payment before your next billing cycle. You will also be in\ndefault if your ability to repay us is materially reduced by a change in your employment, an increase in your obligations,\nbankruptcy or insolvency proceedings involving you, your death or your failure to abide by this Agreement, or if the value of\nyour security interest materially declines. We have the right to demand immediate payment of your full account balance if\nyou default, subject to our giving you any notice required by law. You will also be required to pay our collection expenses,\nincluding court costs, and reasonable attorney fees not in excess of 15 percent of the unpaid debt after default and referral\nto an attorney who is not a salaried employee of the credit union or such additional fee as may be directed by the court.\nUSING THE CARD \xe2\x80\x93 To make a purchase or cash advance, there are two alternative procedures to be followed. One is for\nyou to present the card to a participating VISA\xc2\xae plan merchant, to us or to another financial institution, and sign the sales or\ncash advance draft which will be imprinted with your card. The other is to complete the transaction by using your Personal\nIdentification Number (PIN) in conjunction with the card in an Automated Teller Machine (ATM) or other type of electronic\nterminal that provides access to the VISA\xc2\xae system. The monthly statement will identify the merchant, electronic terminal or\nfinancial institution at which transactions were made, but sales, cash advance, credit or other slips cannot be returned with\nthe statement. You will retain the copy of such slips furnished at the time of the transaction in order to verify the monthly\nstatement. You agree that you will not use your card for any transaction that is illegal, including on-line gambling, under\napplicable federal, state or local law. For copies of above-mentioned slips, call VISA\xc2\xae at (800) 237-6211.\nOVERDRAFT PROTECTION \xe2\x80\x93 You may use your Visa\xc2\xae card for Overdraft Protection on your checking account at Coors Credit\nUnion. Advances to cover overdrafts will be treated as a Cash Advance with finance charges accruing beginning the first\nday of the advance.\nRETURNS AND ADJUSTMENTS \xe2\x80\x93 Merchants and others who honor the card may give credit for returns or adjustment, and they\nwill do so by sending VISA\xc2\xae a credit voucher, which we will post to your account. If your credits and payments exceed what\nyou owe VISA\xc2\xae, we will hold and apply this credit balance against future purchases and cash advances, or if it is $1 or\nmore, refund it upon your request.\nMERCHANT DISPUTES \xe2\x80\x93 We are not responsible for the refusal of any merchant or financial institution to honor your card. We\nare subject to claims and defenses (other than tort claims) arising out of goods or services you purchase with the card only\nif you have made a good faith attempt, but have been unable to obtain satisfaction from the merchant, you may not have\nto pay the remaining amount due on the goods or services. You have this protection only when the purchase price was\nmore than $50.00 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or\noperate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered\nregardless of amount of location of purchase.)\nFOREIGN TRANSACTIONS \xe2\x80\x93 Purchases and cash advances made in foreign countries and foreign currencies will be\nbilled to you in U.S. dollars. The exchange rate for transactions in a foreign currency will be a rate selected by VISA\xc2\xae\nfrom the range of rates available in wholesale currency markets for the applicable central processing date, which\nrate may vary from the rate VISA\xc2\xae itself receives, or the government mandated rate in effect for the applicable\ncentral processing date, plus 1%.\n\n\x0cSECURITY INTEREST \xe2\x80\x93 PLEDGE OF SHARE ACCOUNT (S) \xe2\x80\x93 NOTE: You pledge to us and grant a security interest in all individual\nand joint accounts you have with us now and in the future, to secure your VISA\xc2\xae Credit Card account. You authorize us to\napply the balance in these account(s) to pay any amounts due under this agreement if you should default.\nCollateral securing other loans you have with the Credit Union may also secure this loan, except that your home will never\nbe considered as security for this Account, notwithstanding anything to the contrary in any other agreement. Shares and/or\ndeposits in a Keogh Plan Account, Individual Retirement Account, or any other account which would lose special tax\ntreatment, if pledged, are not subject to your pledge of shares.\nEFFECT OF AGREEMENT \xe2\x80\x93 This Agreement is the contract which applies to all transactions on your account even though the\nsales, cash advance, credit or other slips you sign or receive may contain different terms. We may amend this Agreement\nfrom time to time by sending you the advance written notice required by law.\nWARNING: By entering into this agreement, you agree that the terms can be changed from time to time in accordance with\nthe Colorado law and other applicable laws. We are required to notify you 45 days before any changes occur. You have\nthe right to reject these changes, but will still be liable for any unpaid balance.\nOTHER CHARGES \xe2\x80\x93 The following other charges will be added to your account as applicable: (a) Returned payment fee (b)\nA Late Charge may be imposed if you are late in making your payment. (c) VISA International Service Assessment (ISA).\nThese fees may be increased from time to time by us upon such notice as is required by applicable laws and regulations.\nCOPY RECEIVED \xe2\x80\x93 You acknowledge receipt of a copy of this Agreement.\nNO WAIVER \xe2\x80\x93 The credit union can delay enforcing any of its rights any number of times without losing them.\nSTATEMENTS AND NOTICES \xe2\x80\x93 Statements and notices will be mailed to you at the most recent address you have given the\ncredit union. Notice sent to any one of you will be considered notice to all.\nACTS MAKING AGREEMENT BINDING \xe2\x80\x93 Applicant(s) using or permitting another to use the VISA\xc2\xae Card(s) referred to herein\nshall bind applicant(s) to the terms and conditions.\n\nBILLING RIGHTS\nThis notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.\nNOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT.\nIf you think your statement is wrong, or if you need more information about a transaction on your statement, write us on a\nseparate sheet at the address listed on your statement. Write to us as soon as possible. We must hear from you no later than\n60 days after we sent you the first statement on which the error problem appeared. You can telephone us, but doing so will\nnot preserve your rights.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Your name and account number.\n\xe2\x80\xa2 The dollar amount of the suspected error.\n\xe2\x80\xa2 Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the\nitem you are not sure about.\nIf you have authorized us to pay a credit card account automatically from your share account or share draft account, you\ncan stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days\nbefore the automatic payment is scheduled to occur.\nYOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE.\nNOTE: VISA\xc2\xae processes merchant disputes and billing errors on behalf of Coors Credit Union.\nPlease direct written inquires to:\nCoors Credit Union\n816 Washington Ave.\nGolden, CO 80401\n303.279.6414\nToll Free: 800.770.6414\nWe must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we\nmust either correct the error or explain why we believe the statement was correct. After we receive your letter, we\ncannot try to collect any amount you question or report that amount as delinquent. We can continue to send\nstatements to you for the amount you question, including finance charges, and we can apply any unpaid amount\nagainst your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still\nobligated to pay the parts of your statement that are not in question. While we investigate your question, we cannot\nreport you as delinquent or take any action to collect the amount you question. The use of the card constitutes\n\nacknowledgement of receipt and agreement to the terms of the credit card agreement and disclosures.\n\n\x0c'