TCM Bank, N.A. Cardholder Agreement - Effective: November 1, 2018 

This  Cardholder  Agreement  (“Agreement”),  the  card  carrier  we  send  with  your  credit  card,  the  accompanying  sheet  entitled 
“Account  Opening  Disclosure”  and  the  application  you  signed  or  otherwise  submitted  (collectively,  the  “Cardholder 
Documents”) govern the use of your TCM Bank, N.A. Visa® and Mastercard® credit card (“Card”) account (your “Account”). 
All of the Cardholder Documents are part of and are incorporated into this Agreement. By signing (including by any electronic 
or digital signature) your Card, your Account application, any accepted sales slip, or any other document in connection with the 
use of your Card or your Account, or by using your Card or allowing someone else to use it, you agree to the terms and conditions 
of this Agreement.  Please read this Agreement thoroughly and retain a copy for your records. As used in this Agreement: we, us, 
our, and similar terms mean TCM Bank, N.A., and all of its respective parents, wholly or majority owned subsidiaries, affiliates, 
predecessors,  successors,  assigns,  employees,  officers,  and  directors  (collectively,  “TCM”).  The  words  you,  yours,  and 
Cardholder mean all persons responsible for complying with this Agreement, including the applicant and any co-applicant who 
applied to open the Account and the person to whom we address Account statements. Since you asked us to open the Account, 
you are the “Primary  Cardholder,” and you will have an Account with us. You may request that we issue a Card to another 
person  and,  if  we  do,  that  person  will  be  called  an  “Additional  Cardholder”  on  your  Account  and  the  Card  will  be  an 
“Additional Card.” 

This Agreement is governed by federal law and, to the extent not preempted by federal law, by Florida law.  

Use of the Card. You may use the Card to obtain legal goods and services from any person or establishment accepting the Card 
(“Purchase(s)”), to obtain loans (“Cash Advance(s)”) from us up to the applicable limits on your Account and to take advantage of 
other features of the Card. As used in this Agreement, the term “Purchases” will include Purchases and Balance Transfers, and 
the term “Cash Advances” will include; a) Cash Advances, b) Convenience Checks, c) obtaining funds through an automated 
teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, 
or stored value load, or e) engaging in another similar transaction. As used in this Agreement, all amounts charged to an Account, 
which include the Annual Card fee, if any, or other fees, and any Finance Charges imposed under the Agreement, will be called 
“Charges”. Charges include (but are not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in 
which you have evidenced intent to incur a Charge, regardless of whether you have signed a charge form.  

You are responsible for paying all amounts charged to the Account by either you or any Additional Cardholders. You agree to 
notify us at once if the Card or any Convenience Checks we may issue on your Account are lost or stolen, or if you suspect they 
are being used without your permission. You agree to use the Account only for legal purchases of goods and services. Cards may 
not be used for gambling purposes, whether online or otherwise. If you do use your Card for illegal purposes or gambling, you 
will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges relating 
to such transactions and all other transactions on your Account.  You should not use the Card after the expiration date. If you want 
to cancel your Account or any Additional Cards, you must contact us and destroy the Card or any Additional Cards. We reserve 
the right to deny authorization for any requested Charge. 

Transfers: You may not transfer your Account or any of your rights and obligations under this Agreement.  Any such transfer 
will be void. 

Additional Cards: You, as the Primary Cardholder, are responsible for all Charges on your Account. Any Additional Cards 
may be canceled by you or by us. You agree to make sure that any Additional Cards issued on your Account are used in a 
manner consistent with this Agreement. You also authorize us to discuss your Account with Additional Cardholders in the 
course of maintaining your Account. We may, in our sole discretion, pursue Additional Cardholders for payment of their own 
Charges if you fail to pay those Charges. 

Credit Limit: We have provided you a separate written notice stating the credit limit for Purchases on your account.  In addition, 
your  monthly  statements  will  show  the  amount  of  credit  available  to  you  for  Purchases  and  for  Cash  Advances  and  the 
ANNUAL PERCENTAGE RATES (APRs) for Purchases and for Cash Advances, as of the monthly statement date. You 
agree not to use the Account in any way that would make the unpaid balance of your Account exceed the applicable credit limit. 
We will not honor any Card transaction that would cause the unpaid balance of your Account to exceed applicable credit limits 
(“Over Limit Transactions”). However, if we, in our discretion, honor any Over Limit Transaction, you agree to promptly pay the 
amount that is in excess of the applicable credit limit. At our discretion, and subject to applicable law, we may increase, reduce, or 

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cancel your credit line or the balance transfer portion or cash advance portion of your credit line, at any time. A change to your 
credit line does not affect your obligation to pay us. 

Promotional Offers:  At our discretion, we may offer you a promotional ANNUAL PERCENTAGE RATE for all or a part of 
any balances or for certain types of transactions. The period of time for which the promotional rate applies may be limited. 
Any applicable promotional rate, the corresponding periodic rates, and the period of time during which it will be in effect will 
appear on the Account Opening Disclosure or be included on a promotional letter. Any promotional rate offer will be subject to 
the terms of the offer and this Agreement.  

Renewal of Cards and Cancellation: The Card will be valid within the period embossed on the Card. We will issue you renewal 
or replacement Cards before the current Card expires unless your Account is cancelled by you or by us.  

Liability for Charges and Finance Charges: You may use the Card to obtain Purchase(s) and Cash Advance(s) from us up 
to the applicable limits on your Account. You are liable to us for all Charges you make and all Charges made by holders of any 
Cards and Additional Cards issued to you. Additional Cardholders using a Primary  Cardholder’s Account are not liable for 
obligations incurred by the Primary Cardholder or by other Additional Cardholders.  However, by each use of the Additional 
Card, the Additional Cardholder will be indicating his or her agreement to pay us for that transaction and related Charges if you 
fail or refuse to pay that obligation.  

Payments: Each month’s Total Minimum Payment for your Account is due by the Payment Due Date on your monthly statement. 
The Total Minimum Payment will include any amount past due. You must pay us in U.S. currency, with a draft or a check 
drawn on a U.S. bank and payable in U.S. dollars, with a negotiable instrument payable in U.S. dollars and clearable through 
the  U.S.  banking  system,  or  with  a  telephonic  or  electronic  payment  authorization  in  U.S.  Funds.  If  we  decide  to  accept  a 
payment made in some other form, your payment will not be credited until it is converted into one of the forms described in the 
previous sentence. We may charge you any costs we incur in converting your payment. If any payment made on your Account 
is not honored for its full amount or because of an incorrect account number, we may charge your Account a Late Payment Fee 
or a Returned Check Fee to cover collection costs on that payment in addition to any other applicable fees. We may accept late 
payments, partial payments, or any payments marked as being payment in full or as being settlement of any dispute without 
losing any of our rights under this Agreement or under the law. Our acceptance of such payments does not mean we agree to 
change this Agreement in any way. You agree to pay all court costs plus all reasonable attorney’s fees if we must refer your 
Account to any attorney who is not our employee, subject to the law of your jurisdiction.  

Monthly Statement – Total Minimum Payment: The Total Minimum Payment required is the new balance shown on your 
monthly billing statement if the amount is equal to or less than $15.00. Otherwise, it is the greater of: (A) 3.0% of the New 
Balance (rounded up to the nearest dollar), (B) $15.00, or (C) 1% of the New Balance (rounded up to the nearest dollar) plus any 
unpaid FINANCE CHARGES and unpaid fees. If applicable, the Total Minimum Payment will include any amount in excess 
of your credit limit and any amount past due. You may pay more than the Total Minimum Payment or you may pay the total New 
Balance at any time. Your Total Minimum Payment will be applied in any order at our discretion. Payments in excess of the Total 
Minimum Payment will be applied to balances with the highest APR first and then to lower rate balances in descending order of 
APRs.  

How to Avoid Payment of Finance Charges for Purchases: 

Grace Period for Purchases (including Balance Transfers):  To get a grace period on purchases, you must pay the new balance 
in full by the due date each billing period.  If you do not, you will accrue INTEREST CHARGES on all Purchases from the date 
the Purchase is posted to your Account.  The grace period is not less than 23 days.  

Grace Period for Cash Advances (including Convenience Checks and other charges defined on page 1): On Cash Advances 
there is no grace period, and FINANCE CHARGES on Cash Advances are always assessed from the day of the Cash Advance 
transaction or the first day of the billing cycle in which it is posted to your account, whichever is later, until the day we receive 
payment in full of all outstanding Cash Advances. 

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Calculation of Monthly Periodic Rate:   
A.  The  Monthly  Periodic  Rates  for  Purchases  and  Cash  Advances  are  based  on  ANNUAL  PERCENTAGE  RATES  for 
Purchases and Cash Advances, respectively, which may be adjusted monthly. The Monthly Periodic Rate for Purchases and Cash 
Advances for each billing period is 1/12th of the ANNUAL PERCENTAGE RATE for Purchases and 1/12th of the ANNUAL 
PERCENTAGE RATE for Cash Advances respectively in effect for that billing period, rounded to the nearest ten thousandth 
of a percentage point.  

B. The Account Opening Disclosure states the ANNUAL PERCENTAGE RATES applicable to your Account, subject to 
Paragraph C below. Please call us at (800) 883-0131 or write to us at TCM Bank, PO Box 31537, Tampa, FL 33633, if you did 
not receive the Account Opening Disclosure or to learn the most current ANNUAL PERCENTAGE RATES.  

C. For purposes of this Agreement, the Prime Rate used to determine your ANNUAL PERCENTAGE RATES for a billing 
period is the highest Prime Rate listed in the Wall Street Journal on the last business day of the calendar month prior to your 
statement closing date. Your APR will increase if the Prime Rate increases. Your minimum payment and/or number of 
payments will increase if your APR increases. In the event that The Wall Street Journal ceases to be published or ceases to 
publish the Prime Rate, we may refer to the Prime Rate published in any other newspaper of general circulation in New York, 
New York, or we may substitute a similar reference rate at our sole discretion. Subject to applicable law, any balances transferred 
from another account to this Account shall be governed by the terms and conditions of this Agreement. 

Finance Charge Calculation Method and Computation of Average Daily Balance Subject to Finance Charge.  
How Will We Calculate Your Balance: We use a method called “Average Daily Balance (including new transactions).”  

• We calculate periodic rate finance charges separately for each type of balance (e.g. Purchases and Cash Advances as defined on 
Page 1). For a billing period, we figure a portion of the FINANCE CHARGE on your Account by applying the monthly Periodic 
Rate to the respective “average daily balances” of the Purchases and/or Cash Advances (including current transactions). There is a 
$1.00 minimum FINANCE CHARGE when a FINANCE CHARGE is assessed. 

• To get the average daily balance for Purchases, we take the beginning balance of Purchases on your Account each day, add any 
new Purchases, and subtract any payments or credits, non-accruing fees, and unpaid FINANCE CHARGES. This gives us the 
daily balance for Purchases. Then, we add up all the daily balances of Purchases for the billing period and divide the total by the 
number of days in the billing period. This gives us the average daily balance of Purchases.  

• To get the average daily balance for Cash Advances, we take the beginning balance of Cash Advances on your Account each 
day, add any new Cash Advances, and subtract any payments or, non-accruing fees, and unpaid FINANCE CHARGES. This 
gives us the daily balance for Cash Advances. Then, we add up all the daily balances of Cash Advances for the billing period and 
divide the total by the number of days in the billing period. This gives us the average daily balance of Cash Advances.    

• Credits received from merchants are effective as of posting date. 

• For FINANCE CHARGE calculation purposes, the billing period/billing cycle begins on the day after the Statement/Closing 
Date of the previous billing period, and includes the Statement/Closing Date of the current billing period. The number of days in 
the billing period may vary. 

Transaction Fee for Cash Advances: For each Cash Advance (as defined on Page 1), we add an additional Cash Advance Fee 
of either $5 or 3% of the U.S. dollar amount of the Cash Advance, whichever is greater.  There is no maximum Cash Advance 
Fee.  The Cash Advance Fee is a FINANCE CHARGE.  This Cash Advance Fee may cause the ANNUAL PERCENTAGE 
RATE on the billing statement on which the Cash Advance first appears to exceed the nominal ANNUAL PERCENTAGE 
RATE.     

Transaction Fee for Charges Made in Foreign Countries: If you incur a Charge in a foreign currency, it may be converted 
into U.S. dollars. If the foreign currency is converted into U.S. dollars, the exchange rate used to convert the currency used in 
an international transaction into the billing currency shall, in each instance, be either a rate selected by Visa or MasterCard. The 
conversion may occur after the transaction date and the conversion rate may differ from the rate of exchange in effect at the 
time of the transaction. You agree to pay the converted amount to us in U.S. dollars. In addition, if a currency conversion occurs, 
an International Transaction Fee of 1% of the U.S. dollar amount will be applied to those transactions. If the foreign transaction 

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was transacted in U.S. dollars, an International Transaction Fee of 0.8% of the U.S. dollar amount will be applied to those 
transactions. The International Transaction Fee is a FINANCE CHARGE.  This International Fee may cause the ANNUAL 
PERCENTAGE RATE on the billing statement on which the Charge made in a foreign currency first appears to exceed the 
nominal ANNUAL PERCENTAGE RATE. 

Transaction Fee for Balance Transfers: You may transfer a balance from another account to this Account.  For each Balance 
Transfer, we will add a Balance Transfer Fee of the greater of $5 or 3% of the U.S. dollar amount of the Balance Transfer. There 
is no maximum Balance Transfer Fee. The Balance Transfer Fee is a FINANCE CHARGE.  The Balance Transfer Fee may 
cause the ANNUAL PERCENTAGE RATE on the billing statement on which the Balance Transfer first appears to exceed 
the nominal ANNUAL PERCENTAGE RATE.   

Default: We may consider your Account to be in default at any time if you fail to pay us any payment when it is due, if you 
attempt  to  borrow  more  than  the applicable  limits  on  your  Account, if  your  payment  is  returned  by  your  bank  or  financial 
institution, or if you breach any other promise or obligation under this Agreement. Subject to applicable law, we also may 
consider your Account in default at any time if any statement made by you to us in connection with this credit  program was 
false or misleading, if you breach any other promise or obligation under this Agreement or any other agreement that you may 
have with us or with any of our affiliates, or if we have any reason to believe you may not be creditworthy. Upon your default 
and subject to any limitations or requirements of applicable law, you agree to pay all other reasonable costs, including reasonable 
attorney’s fees, incurred by us (1) in collecting the balance due, including FINANCE CHARGES, if any, whether or not suit is 
brought against you, and (2) in protecting ourselves from any harm that we may suffer as a result of your default. We may also, 
upon your default, subject to applicable law, declare the entire amount of your obligations to us immediately due and payable 
and suspend or cancel your Account privileges.  

Delinquency  Assessments:  Your  Account  may  be  considered  delinquent if you fail to pay us at least the Total Minimum 
Payment by the Payment Due Date shown on each monthly statement. If your Account remains delinquent at the statement closing 
date, subject to applicable law, we will add a Late Payment Fee (see #4 in Fees, below). You will only be charged one Late Payment 
Fee for any monthly Total Minimum Payment which is not paid by the Payment Due Date.  

Suspension/Cancellation: In addition to any of the actions we may take under this Agreement, we may suspend or cancel your 
Account privileges at our sole option, subject to applicable law, at any time with or without cause and without giving you notice, 
including but not limited to a situation in which (1) you cease to be an account holder in good standing with respect to any other 
accounts you may have with TCM Bank, N.A., or (2) you are in default. Any such action on our part will not cancel your obligations 
to pay us the outstanding balance, Finance Charges, and other charges due on your Account under the terms of the Agreement in 
effect at the time of the cancellation or suspension of your account or as subsequently amended. You agree to pay us all such obligations 
despite any suspension or cancellation of your account.  

Fees: We may charge the following fees, subject to applicable law:  

1. ANNUAL FEE: The Account Opening Disclosure accompanying this Agreement states whether an annual fee applies to 
your account and, if so, the amount of the fee. 

2. RETURNED CHECKS: A fee of up to $38 will be charged for checks returned for insufficient funds or for an incorrect 
account number. 

3. STOP PAYMENT ORDERS: If you request us to stop payment on a Convenience Check drawn on your Account, we may 
charge your Account a fee of $29.   

4. LATE PAYMENT FEE: We will charge a late fee of up to $38. 

5. RESEARCH FEE: You agree to pay $3 for each photocopy of a sales slip you request and $4 for each duplicate copy of a 
monthly statement you request. However, we will not impose these fees if you request such items in connection with a billing error 
dispute which you have notified us of in writing.  

6. EXPEDITED PAYMENT FEE:  You agree to pay $10 for each payment initiated via telephone and assisted by a customer 
service representative for same day payments.  

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Insurance: If you use the Account to buy insurance, you give us permission to pay premiums for you when due. You agree to repay 
us according to the terms of this Agreement. You must tell us in writing if you no longer wish us to pay premiums for you. If your 
Account is canceled, we will stop paying the premiums for you.  

Waiver: Our failure to exercise any of our rights under this Agreement, or our waiver of our rights on any one occasion, shall not 
constitute a waiver of such rights on any other occasion.  

Consumer Reports: You authorize us and our affiliates to make whatever credit investigations we deem appropriate and to obtain 
and exchange any information we may receive from consumer reports and other sources. We may ask consumer-reporting agencies 
for consumer reports of your credit history. Upon request, we will tell you whether a consumer report was requested and the name 
and address of the agency that furnished it. As permitted by law, we may furnish information concerning your Account to consumer 
reporting agencies. If we determine that your account is past due, adverse credit information may appear on your consumer report 
and the consumer reports of any Additional Cardholders on your Account.  

Telephone Monitoring: From time to time, we may monitor telephone calls between you or Additional Cardholders and us to 
assure the quality of our customer service. 

Benefits and Services: We reserve the right to add, modify, or delete any benefit or service offered with the Card at any time without 
notice to you.  

Change of Billing Address – Notices: You must notify us immediately of any change in your billing address. Any notice given 
by us shall be deemed to be given when deposited in the United States Mail, postage prepaid, addressed to you at the latest billing 
address shown on our records.  

Change of Rates, Fees, Terms – Assignment: We may assign Card accounts to our affiliates or to some other financial institution 
at any time. We may also change the rates, fees, and terms of this Agreement at any time, in accordance with applicable law. We 
will notify you of changes if we are required to do so by law, and you may be given the opportunity to reject those changes to the 
extent required by law or otherwise in our discretion. If you choose not to accept those changes, you may terminate this Agreement 
by notifying us in writing. However, your Account will be closed and you will remain responsible for all Charges made before 
you terminated the Agreement.  

Revocation and Voluntary Cancellation: We can revoke your right to use the Card at any time. We can do this whether or not 
you have violated this Agreement and without giving you notice. If we revoke the Card, you must return the Card to us if we 
request. Also, if a merchant that accepts Cards asks you to surrender an expired or revoked Card, you must do so. You may not 
use the Card after it has expired or after it has been revoked. If you ask us to cancel your Account, but you continue to use your 
Account after the date of cancellation, we will consider such use as your request for reinstatement of your Account. We may 
then reinstate your Account and bill you accordingly.  

Severability:    If  any  part  of  this  Agreement  conflicts  with  applicable  law,  that  law  will  control,  and  this  Agreement  will  be 
considered changed to the extent necessary to comply with that law.  If any part of this Agreement is determined by a court of valid 
jurisdiction to be invalid, the remainder of this Agreement will remain in effect. 

Your Rights Under the Military Lending Act: Federal law provides important protections to members of the Armed Forces 
and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the 
Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as 
applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary 
products sold in connection with the credit transaction; any application fee charged (other than certain application fees for 
specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit 
card account). 

To Cardholders in the United States. Your Billing Rights – Keep This Notice for Future Use. This notice contains important 
information about your rights and our responsibilities under the Fair Credit Billing Act.  
What To Do If You Find a Mistake on Your Statement. If you think there is an error on your statement, write to us at:  TCM Bank, 
N.A., Customer Service, P.O. Box 31481, Tampa, FL 33631-3481.   

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In your letter, give us the following information:  
  • Account information: Your name and account number.  
  • Dollar amount: The dollar amount of the suspected error.  
  • Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it 
is a mistake. 

You must contact us: 
  • Within 60 days after the error appeared on your statement. 
  • At least 3 business days before an automatic payment is scheduled, if you want to stop payment on the amount you think is 
wrong. 

You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential 
errors and you may have to pay the amount in question.  
What Will Happen After We Receive Your Letter. 
When we receive your letter, we must do two things: 
  1.  Within 30 days of receiving your letter, we must tell you that we received your letter.  We will also tell you if we have already  
     corrected the error. 
  2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 

While we investigate whether or not there has been an error: 
  • We cannot try to collect the amount in question, or report you as delinquent on that amount. 
  • The charge in question may remain on your statement, and we may continue to charge you interest on that amount.   
  • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
  • We can apply any unpaid amount against your credit limit.  

After we finish our investigation, one of two things will happen: 
  • If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
  • If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees.   

We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do 
not pay the amount we think you owe. 

If you receive our explanation but still believe your bill is wrong, you must write to us within ten (10) days telling us that you still 
refuse to pay.  If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must 
tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter 
has been settled between us. 

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is 
correct.  
Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to 
correct the problem with merchant, you may have the right not to pay the remaining amount due on the purchase.  

To use this right, all of the following must be true:  
  1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase 
price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we 
made to you, or if we own the company that sold you the goods or services.) 

  2.  You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that  
accesses your credit card account do not qualify. 

  3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the 
purchase, contact us in writing at: TCM Bank, N.A., Customer Service, P.O. Box 31481, Tampa, FL 33631-3481.   
While we investigate, the same rules apply to the disputed amount as discussed above.  After we finish our investigation, we will 
tell you our decision.  At that point, if we think you owe an amount and do not pay, we may report you as delinquent.  

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State Laws Require the Following Notices:   California Residents: A married  applicant may apply for a separate account.  
After approval, each applicant shall have the right to use this account to the extent of the credit limit set by the creditor and each 
applicant may be liable for the amount extended under this account to any joint applicant.  Delaware Residents:  Service charges 
not in excess of those permitted by law will be charged on the outstanding balances from month to month.  New York Residents:  
New  York  residents  may  contact  the  New  York  State  Department  of  Financial  Services  at  1-800-342-3736  to  obtain  a 
comparative listing of credit card rates, fees and grace periods.  Ohio Residents:  The Ohio laws against discrimination require 
that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate 
credit histories on each individual upon request.  The Ohio Civil Rights Commission administers compliance with this law.  
Married Wisconsin Residents:  Your signature confirms that this loan obligation is being incurred in the interest of your marriage 
or family. No provision of any marital property agreement, unilateral statement or court decree adversely affects a creditor’s 
interest unless, prior to the time the credit is granted, the creditor is furnished a copy of the agreement, statement or decree or 
has actual knowledge of the adverse provision.  

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