P.O. Box 123
                                                  APPLICATION AND SOLICITATION DISCLOSURE
                      Annapolis Junction, MD 20701-0123
                      301-497-7000   �   800-787-8328
                      towerfcu.org               GOLD MASTERCARD/STANDARD MASTERCARD
                             IMPORTANT CREDIT CARD DISCLOSURES
    The following disclosure represents important details concerning your credit card. The information about costs of the card are
    accurate as of ______________________ . You can contact us toll free at (800) 787-8328 or the address above to inquire if April 1, 2017
    any changes occurred since the effective date.
    INTEREST RATES and INTEREST CHARGES:
                             GOLD MASTERCARD  STANDARD MASTERCARD STUDENT MASTERCARD
     Annual Percentage Rate (APR)
                                 10.90%            10.90%            10.90%
     for Purchases
     APR for Cash Advances        10.90%            10.90%             10.90%
     APR for Balance Transfers* 0.00 % Introductory APR 0.00 % Introductory APR 0.00 % Introductory APR
                            until 3/31/2018 for any until 3/31/2018 for any until 3/31/2018 for any
                            transfer(s) completed transfer(s) completed transfer(s) completed
                            between 4/1/2017 and between 4/1/2017 and between 4/1/2017 and
                            5/31/2017 . After that, for 5/31/2017 . After that, for 5/31/2017 . After that, for
                            any transfer(s) made after any transfer(s) made after any transfer(s) made after
                            5/31/2017 , your Standard 5/31/2017 , your Standard 5/31/2017 , your Standard
                            APR will be 10.90%. APR will be 10.90%. APR will be 10.90%.
     Paying Interest        Your due date is at least 25 days after we mail your billing statement. We will not
                            charge you interest on purchases if you pay your entire new purchase balance by the
                            due date each month. We will begin charging interest on cash advances and balance
                            transfers on the date the cash advance or balance transfer is posted to your account.
     Minimum Interest Charge None
     For Credit Card Tips from the To learn more about factors to consider when applying for or using a credit card,
     Consumer Financial     visit the website of the Consumer Financial Protection Bureau at
     Protection Bureau      http://www.consumerfinance.gov/learnmore
    FEES:
     Fees to Open or Maintain your
     Account
     - Annual Fee:          None
     - Application Fee:     None
     Transaction Fees
     - Balance Transfer:    ___% of the amount of each transfer 3
     - Cash Advance (ATM):  $0.75 per cash advance
     - Cash Advance (Over-the-Counter): None
     - Foreign Transaction: 1.10% of each transaction in U.S. dollars if the transaction involves a currency
                            conversion
     Penalty Fees
     - Late Payment:        Up to $20.00 if your payment is late 14 days or more.
     - Over-the-Credit Limit: None
     - Returned Payment:    None
    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 a
    late payment.
    Other Fees: In addition to the fees disclosed above, the following fees may be imposed:
     Statement Copy Fee: $2.00   per page up to a maximum of $5.00 per statement month.
     Sales Draft Copy Fee: $3.00
     Card Replacement Fee: $5.00
    *Balance Transfer Promotion. The  Balance Transfer Introductory APR as disclosed above will apply to balance transfers
    posted to your account during the period beginning ___________________ and ending ___________________ . April 1, 2017 May 31, 2017
    9009 LASER FPDF FI19186 Rev 2-2017                   COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.