Important Note: This document contains disclosures for all three of Tower Federal Credit Union's credit card products. Please 
ensure that you are reviewing the terms specific to the product for which you wish to apply.IMPORTANT CREDIT CARD DISCLOSURESP.O. Box 123Annapolis Junction, MD 20701-0123301-497-7000   �   800-787-8328towerfcu.org
1.World Mastercard.........................................Page 2
2.Gold Mastercard................................................Page 3
3.Empower Mastercard..............................................Page 4  Effective: 8/0 3/2020 Paying InterestYour due date is at least 25 days after we mail your billing statement. We will notcharge you interest on purchases if you pay your entire outstanding balance by thedue date each month. We will begin charging interest on cash advances and balancetransfers on the date the cash advance or balance transfer is posted to your account.Minimum Interest ChargeNoneFor Credit Card Tips from theConsumer FinancialProtection BureauTo learn more about factors to consider when applying for or using a credit card,visit the website of the Consumer Financial Protection Bureau athttp://www.consumerfinance.gov/learnmoreIMPORTANT CREDIT CARD DISCLOSURESINTEREST RATES and INTEREST CHARGES:Annual Percentage Rate (APR)for Purchases
9009 LASER FPDF FI1000602 10-2018 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.1.99%
FEES:Fees to Open or Maintain yourAccount
- Annual Fee:- Application Fee:Transaction Fees- Balance Transfer:- Cash Advance:- Foreign Transaction:
None
2.00% of the amount of each cash advance (minimum: $0.75) 
NoneNoneNone
Up to $25.00if your payment is late 5 days or more.NoneUp to $20.00 if your payment is returned for any reason. - Late Payment:- Over-the-Credit Limit:- Returned Payment:Penalty Fees
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make alate payment.P.O. Box 123Annapolis Junction, MD 20701-0123301-497-7000   �   800-787-8328towerfcu.org
 APPLICATION AND SOLICITATION DISCLOSURE
Other Fees: In addition to the fees disclosed above, the following fees may  be imposed: Statement Copy Fee:Sales Draft Copy Fee:Card Replacement Fee:Introductory APR for 12 months as of account opening.WORLD MASTERCARD�
$2.00per page up to a maximum of $5.00 per statement month.$3.00$5.00
APR for Cash Advancesand Balance Transfersdepending on your credit history. This APR will vary withAfter that, your Standard APR will bedepending on your credit history. This APR will vary with the ma rket
based on the Prime Rate.the market based on the Prime Rate.The following disclosure represents important details concerning your credit card. The information about costs of the 
card are
 accurate as of July 1, 2020 . You can contact us toll free at (800) 787-8328 or  the address above to inquire if any 
changes occurred since the e ffective date.
10.99% - 17.99%
10.99% - 17.99% Paying InterestYour due date is at least 25 days after we mail your billing statement. We willnot charge you interest on purchases if you pay your entire new purchasebalance by the due date each month. We will begin charging interest on cashadvances and balance transfers on the date the cash advance or balancetransfer is posted to your account.Minimum Interest ChargeNoneFor Credit Card Tips from the ConsumerFinancial Protection BureauTo learn more about factors to consider when applying for or using a creditcard, visit the website of the Consumer Financial Protection Bureau athttp://www.consumerfinance.gov/learnmoreThe following disclosure represents important details concerning your credit card. The information about costs of the card areaccurate as of July 1, 2020. You can contact us toll free at (800) 787-8328 or the address above to inquire if any changesoccurred since the effective date.IMPORTANT CREDIT CARD DISCLOSURESINTEREST RATES and INTEREST CHARGES:Annual Percentage Rate (APR) forPurchases, Balance Transfers, and CashAdvances
9009 LASER FPDF FI19184 Rev 4-2020 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.10.90% - 15.90%
FEES:Fees to Open or Maintain your Account
- Annual Fee:-Application Fee:Transaction Fees- Balance Transfer:- Cash Advance (ATM):- Cash Advance (Over-the-Counter):- Foreign Transaction:
None$0.75 per cash advanceNone1.10% of each transaction in U.S. dollars if the transaction involves a currencyconversionNoneNone
Up to $20.00 if your payment is late 14 days or moreNoneNone- Late Payment:- Over-the-Credit Limit:- Returned Payment:Penalty Fees
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."P.O. Box 123Annapolis Junction, MD 20701-0123301-497-7000   �   800-787-8328towerfcu.org
 APPLICATION AND SOLICITATION DISCLOSUREGOLD MASTERCARD�
$2.00 per page up to a maximum of $5.00 per statement month.$3.00$5.00Statement Copy Fee:Sales Draft Copy Fee:Card Replacement Fee:Other Fees: In addition to the fees disclosed above, the following fees may be imposed:depending on your credit history. Paying InterestYour due date is at least 25 days after we mail your billing statement. We willnot charge you interest on purchases if you pay your entire outstandingbalance by the due date each month. We will begin charging interest on cashadvances and balance transfers on the date the cash advance or balancetransfer is posted to your account.Minimum Interest ChargeNoneFor Credit Card Tips from the ConsumerFinancial Protection BureauTo learn more about factors to consider when applying for or using a creditcard, visit the website of the Consumer Financial Protection Bureau athttp://www.consumerfinance.gov/learnmoreThe following disclosure represents important details concerning your credit card. The information about costs of the card areaccurate as of July 1, 2020. You can contact us toll free at (800) 787-8328 or the address above to inquire if any changesoccurred since the effective date.IMPORTANT CREDIT CARD DISCLOSURESINTEREST RATES and INTEREST CHARGES:Annual Percentage Rate (APR) forPurchases and Cash Advances
9009 LASER FPDF FI1001521 Rev 2-2021 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.FEES:Fees to Open or Maintain your Account
- Annual Fee:- Application Fee:Transaction Fees- Balance Transfer:- Cash Advance:- Foreign Transaction:
- Late Payment:- Over-the-Credit Limit:- Returned Payment:Penalty Fees
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make alate payment.*Introductory Rate is available only for balance transfers made within 60 days of account opening. Introductory Ratedoes not apply to balances transferred from other Tower Federal Credit Union credit cards or loans.P.O. Box 123Annapolis Junction, MD 20701-0123301-497-7000   �   800-787-8328towerfcu.org
 APPLICATION AND SOLICITATION DISCLOSUREEMPOWER MASTERCARD�
$2.00per page up to a maximum of $5.00 per statement month.$3.00$5.00Statement Copy Fee:Sales Draft Copy Fee:Card Replacement Fee:Other Fees: In addition to the fees disclosed above, the following fees may be imposed:
 %- %
depending on your credit history. This APR will vary with the market based on the Prime Rate.APR for Balance Transfers*0% Introductory APR for 6 months from the date of the transfer. After that, your Standard APR will be  % -  %depending on your credit history. This APR will vary with the market based on the Prime Rate.
NoneNone2.50%of the amount of each transfer2.50%of the amount of each cash advance (minimum:  $0.75) 1.00%of each transaction in U.S. dollars if the transaction involves a currencyconversionUp to $25.00 if your payment is late 5days or more.NoneUp to $20.00 if your payment is returned for any reason.