Rewards Platinum Credit Card 

This program is issued and administered by TCM Bank, N.A.  Information on this disclosure was accurate as of  
February 1, 2019.  Before you submit your application, please read through these Important Disclosures, which contain 
additional information about rates, fees, and other 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 changed, please write to:  TCM Bank, N.A., P.O. Box 
31537, Tampa, FL 33631. Each applicant must be at least 18 years of age. 

Interest Rates and Interest Charges 
Annual Percentage 
Rate (APR) for 
Purchases 

The standard APR is 12.24% to 22.24%, based on 
creditworthiness. Your APR will vary with the market based on Prime Rate.* 

APR for Balance 
Transfers 
APR for Cash 
Advances 
Paying Interest 

Minimum Interest 
Charge 
For Credit Card 
Tips from the 
Consumer 
Financial 
Protection Bureau 

Fees 
Annual Fee 
Transaction Fees: 
Balance Transfer 
Cash Advance 
Foreign Transaction 

The standard APR is 12.24% to 22.24%, based on your creditworthiness.  Your 
APR will vary with the market based on Prime Rate.* 
24.24%.  Your APR will vary with the market based on Prime Rate.* 

Your due date is at least 23 days after the close of each billing cycle.  You will 
not be charged interest on purchases if you pay your entire balance by the due 
date each month. You will be charged interest on cash advances from the 
transaction date, or the first day of the billing cycle in which it is posted to your 
account, whichever is later. 
If you are charged interest, the charge will be no less than $1.00. 

To learn more about factors to consider when applying for or using a credit 
card, visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 

None. 

Either $5 or 3% of each balance transferred, whichever is greater. 
Either $5 or 3% of each cash advance, whichever is greater. 
If the merchant is outside of the U.S., the fee is: 
a) 1% of the U.S. dollar amount of the transaction, if converted from a foreign 
currency, 
b) 0.8% of the U.S. dollar amount of the transaction, if made in U.S. dollars. 

Penalty Fees: 
Late Payment 
Returned Payment 
Over Limit Fee 

Up to $39. 
Up to $39. 
None. 

Loss  of  the  Introductory APR:  If you make a late payment  we may end  your Introductory APR for Purchases and 
Balance Transfers and apply the standard Purchase and Balance Transfer APR. 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new transactions).” 
An explanation will be provided in your Cardholder Agreement. 

Loss of the Employee Rate: If you are eligible for the Employee Rate Program, you will receive a 12.24% variable 
APR.  In the event your current employment ends, we will apply the standard APR then in effect, based on your 
creditworthiness. 

 
 
 
 
 
 
 
 
 
 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your 
Cardholder Agreement. 

*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 last business day of the calendar month prior to your statement closing date (for example, if your 
statement closed on March 15, we would use the Prime Rate in effect on February 28 for your current statement period 
that  covers  February  16  to  March  15  period).  APRs  shown  here  are  based  on  the  5.50%  Prime  Rate  in  effect  on 
February 1, 2019. For each billing period, the APR is determined by adding a margin to the Prime Rate. The margin for 
the  APR  for  Purchases  and  Balance  Transfers  is  6.74%  to  16.74%,  based  on  your  creditworthiness  and  for  Cash 
Advances is 18.74%. 

 
 
Cash Rewards Platinum Credit Card 

This program is issued and administered by TCM Bank, N.A.  Information on this disclosure was accurate as of  
February 1, 2019.  Before you submit your application, please read through these Important Disclosures, which contain 
additional information about rates, fees, and other 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 changed, please write to:  TCM Bank, N.A., P.O. Box 
31537, Tampa, FL 33631. Each applicant must be at least 18 years of age. 

Interest Rates and Interest Charges 
Annual Percentage 
Rate (APR) for 
Purchases 

The standard APR is 15.24% to 25.24%, based on your 
creditworthiness. Your APR will vary with the market based on Prime Rate.* 

APR for Balance 
Transfers 
APR for Cash 
Advances 
Paying Interest 

Minimum Interest 
Charge 
For Credit Card 
Tips from the 
Consumer 
Financial 
Protection Bureau 

Fees 
Annual Fee 
Transaction Fees: 
Balance Transfer 
Cash Advance 
Foreign Transaction 

The standard APR is 15.24% to 25.24%, based on your creditworthiness.  Your 
APR will vary with the market based on Prime Rate.* 
24.24% to 27.24%.  Your APR will vary with the market based on Prime Rate.* 

Your due date is at least 23 days after the close of each billing cycle.  You will 
not be charged interest on purchases if you pay your entire balance by the due 
date each month. You will be charged interest on cash advances from the 
transaction date, or the first day of the billing cycle in which it is posted to your 
account, whichever is later. 
If you are charged interest, the charge will be no less than $1.00. 

To learn more about factors to consider when applying for or using a credit 
card, visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 

None. 

Either $5 or 3% of each balance transferred, whichever is greater. 
Either $5 or 3% of each cash advance, whichever is greater. 
If the merchant is outside of the U.S., the fee is: 
a) 1% of the U.S. dollar amount of the transaction, if converted from a foreign 
currency, 
b) 0.8% of the U.S. dollar amount of the transaction, if made in U.S. dollars. 

Penalty Fees: 
Late Payment 
Returned Payment 
Over Limit Fee 

Up to $39. 
Up to $39. 
None. 

Loss  of  the  Introductory APR:  If  you make a late payment we may end  your Introductory APR for Purchases and 
Balance Transfers and apply the standard Purchase and Balance Transfer APR. 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new transactions).” 
An explanation will be provided in your Cardholder Agreement. 
Loss of the Employee Rate: If you are eligible for the Employee Rate Program, you will receive a 15.24% variable 
APR.  In the event your current employment ends, we will apply the standard APR then in effect, based on your 
creditworthiness. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your 

 
 
 
 
 
 
 
 
 
Cardholder Agreement. 

*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 last business day of the calendar month prior to your statement closing date (for example, if your 
statement closed on March 15, we would use the Prime Rate in effect on February 28 for your current statement period 
that covers February 16 – March 15 period). APRs shown here are based on the 5.50% Prime Rate in effect on February 
1, 2019. For each billing period, the APR is determined by adding a margin to the Prime Rate. The margin for the APR 
for Purchases and Balance Transfers is 9.74% to 19.74%, based on your creditworthiness and for Cash Advances is 
18.74% - 21.74%. 

 
 
Platinum Edition Credit Card 

This program is issued and administered by TCM Bank, N.A.  Information on this disclosure was accurate as of  
February 1, 2019.  Before you submit your application, please read through these Important Disclosures, which contain 
additional information about rates, fees, and other 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 changed, please write to:  TCM Bank, N.A., P.O. Box 
31537, Tampa, FL 33631. Each applicant must be at least 18 years of age. 

Interest Rates and Interest Charges 
Annual Percentage 
Rate (APR) for 
Purchases 

The standard APR is 11.24% to 21.24%, based on your 
creditworthiness. Your APR will vary with the market based on Prime Rate.* 

APR for Balance 
Transfers 
APR for Cash 
Advances 
Paying Interest 

Minimum Interest 
Charge 
For Credit Card 
Tips from the 
Consumer 
Financial 
Protection Bureau 

Fees 
Annual Fee 
Transaction Fees: 
Balance Transfer 
Cash Advance 
Foreign Transaction 

The standard APR is 11.24% to 21.24%, based on your creditworthiness.  Your 
APR will vary with the market based on Prime Rate.* 
24.24%.  Your APR will vary with the market based on Prime Rate.* 

Your due date is at least 23 days after the close of each billing cycle.  You will 
not be charged interest on purchases if you pay your entire balance by the due 
date each month. You will be charged interest on cash advances from the 
transaction date, or the first day of the billing cycle in which it is posted to your 
account, whichever is later. 
If you are charged interest, the charge will be no less than $1.00. 

To learn more about factors to consider when applying for or using a credit 
card, visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 

None. 

Either $5 or 3% of each balance transferred, whichever is greater. 
Either $5 or 3% of each cash advance, whichever is greater. 
If the merchant is outside of the U.S., the fee is: 
a) 1% of the U.S. dollar amount of the transaction, if converted from a foreign 
currency, 
b) 0.8% of the U.S. dollar amount of the transaction, if made in U.S. dollars. 

Penalty Fees: 
Late Payment 
Returned Payment 
Over Limit Fee 

Up to $39. 
Up to $39. 
None. 

Loss  of  the  Introductory APR:  If you make a late payment  we may end  your Introductory APR for Purchases and 
Balance Transfers and apply the standard Purchase and Balance Transfer APR. 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new transactions).” 
An explanation will be provided in your Cardholder Agreement. 

Loss of the Employee Rate: If you are eligible for the Employee Rate Program, you will receive a 11.24% variable 
APR.  In the event your current employment ends, we will apply the standard APR then in effect, based on your 
creditworthiness. 

 
 
 
 
 
 
 
 
 
 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your 
Cardholder Agreement. 

*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 last business day of the calendar month prior to your statement closing date (for example, if your 
statement closed on March 15, we would use the Prime Rate in effect on February 28 for your current statement period 
that covers February 16 – March 15 period). APRs shown here are based on the 5.50% Prime Rate in effect on February 
1, 2019. For each billing period, the APR is determined by adding a margin to the Prime Rate. The margin for the APR 
for Purchases and Balance Transfers is 5.74% to 15.74%, based on your creditworthiness and for Cash Advances is 
18.74%. 

 
 
Visa® Signature Travel Credit Card 

This program is issued and administered by TCM Bank, N.A.  Information on this disclosure was accurate as of  
February 1, 2019.  Before you submit your application, please read through these Important Disclosures, which contain 
additional information about rates, fees, and other 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 changed, please write to:  TCM Bank, N.A., P.O. Box 
31537, Tampa, FL 33631. Each applicant must be at least 18 years of age. 

Interest Rates and Interest Charges 
Annual Percentage 
Rate (APR) for 
Purchases 

The standard APR is 15.24% to 21.24%, based on 
creditworthiness. Your APR will vary with the market based on Prime Rate.* 

APR for Balance 
Transfers 
APR for Cash 
Advances 
Paying Interest 

Minimum Interest 
Charge 
For Credit Card 
Tips from the 
Consumer 
Financial 
Protection Bureau 

Fees 
Annual Fee 
Transaction Fees: 
Balance Transfer 
Cash Advance 
Foreign Transaction 

The standard APR is 15.24% to 21.24%, based on your creditworthiness.  Your 
APR will vary with the market based on Prime Rate.* 
24.24%.  Your APR will vary with the market based on Prime Rate.* 

Your due date is at least 23 days after the close of each billing cycle.  You will 
not be charged interest on purchases if you pay your entire balance by the due 
date each month. You will be charged interest on cash advances from the 
transaction date, or the first day of the billing cycle in which it is posted to your 
account, whichever is later. 
If you are charged interest, the charge will be no less than $1.00. 

To learn more about factors to consider when applying for or using a credit 
card, visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 

None. 

Either $5 or 3% of each balance transferred, whichever is greater. 
Either $5 or 3% of each cash advance, whichever is greater. 
If the merchant is outside of the U.S., the fee is: 
a) 1% of the U.S. dollar amount of the transaction, if converted from a foreign 
currency, 
b) 0.8% of the U.S. dollar amount of the transaction, if made in U.S. dollars. 

Penalty Fees: 
Late Payment 
Returned Payment 
Over Limit Fee 

Up to $39. 
Up to $39. 
None. 

Loss  of  the  Introductory APR:  If you make a late payment  we may end  your Introductory APR for Purchases and 
Balance Transfers and apply the standard Purchase and Balance Transfer APR. 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new transactions).” 
An explanation will be provided in your Cardholder Agreement. 

Loss of the Employee Rate: If you are eligible for the Employee Rate Program, you will receive a 15.24% variable 
APR.  In the event your current employment ends, we will apply the standard APR then in effect, based on your 
creditworthiness. 

 
 
 
 
 
 
 
 
 
 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your 
Cardholder Agreement. 

*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 last business day of the calendar month prior to your statement closing date (for example, if your 
statement closed on March 15, we would use the Prime Rate in effect on February 28 for your current statement period 
that covers February 16 – March 15 period). APRs shown here are based on the 5.50% Prime Rate in effect on February 
1, 2019. For each billing period, the APR is determined by adding a margin to the Prime Rate. The margin for the APR 
for Purchases and Balance Transfers is 9.74% to 15.74%, based on your creditworthiness and for Cash Advances is 
18.74%. 

Visa Signature® Travel Terms and Conditions 
1Travel Accident Insurance. Coverage applies when the entire cost of the fare has been charged to the card. Your 
account must be in good standing. Certain terms, conditions and exclusions apply. Please refer to your Program 
Rules for further details. 
2Auto Rental Collision Damage Waiver. With your Visa card, you’re covered for damage due to collision or theft so 
you can rest easy in your rental. Secure and charge your rental to your covered card and decline the collision 
damage waiver (or loss damage wavier) offered by the rental agency. Certain terms, conditions and exclusions apply. 
Please refer to your Guide to Benefits for further details. 
3 Lost Luggage Insurance. Coverage applies to checked/carry-on luggage and the personal property contained within 
for up to $3,000, when the entire common carrier passenger fare has been charged to your card. 
4 Visa Signature Concierge. Cardholders are responsible for the cost of any goods or services purchased by the Visa 
Signature Concierge on cardholders’ behalf.  

 
 
 
World Mastercard® Credit Card 

This program is issued and administered by TCM Bank, N.A.  Information on this disclosure was accurate as of  
February 1, 2019.  Before you submit your application, please read through these Important Disclosures, which contain 
additional information about rates, fees, and other 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 changed, please write to:  TCM Bank, N.A., P.O. Box 
31537, Tampa, FL 33631. Each applicant must be at least 18 years of age. 

Interest Rates and Interest Charges 
Annual Percentage 
Rate (APR) for 
Purchases 

The standard APR is 15.24% to 21.24%, based on 
creditworthiness. Your APR will vary with the market based on Prime Rate.* 

APR for Balance 
Transfers 
APR for Cash 
Advances 
Paying Interest 

Minimum Interest 
Charge 
For Credit Card 
Tips from the 
Consumer 
Financial 
Protection Bureau 

Fees 
Annual Fee 
Transaction Fees: 
Balance Transfer 
Cash Advance 
Foreign Transaction 

The standard APR is 15.24% to 21.24%, based on your creditworthiness.  Your 
APR will vary with the market based on Prime Rate.* 
24.24%.  Your APR will vary with the market based on Prime Rate.* 

Your due date is at least 23 days after the close of each billing cycle.  You will 
not be charged interest on purchases if you pay your entire balance by the due 
date each month. You will be charged interest on cash advances from the 
transaction date, or the first day of the billing cycle in which it is posted to your 
account, whichever is later. 
If you are charged interest, the charge will be no less than $1.00. 

To learn more about factors to consider when applying for or using a credit 
card, visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 

None. 

Either $5 or 3% of each balance transferred, whichever is greater. 
Either $5 or 3% of each cash advance, whichever is greater. 
If the merchant is outside of the U.S., the fee is: 
a) 1% of the U.S. dollar amount of the transaction, if converted from a foreign 
currency, 
b) 0.8% of the U.S. dollar amount of the transaction, if made in U.S. dollars. 

Penalty Fees: 
Late Payment 
Returned Payment 
Over Limit Fee 

Up to $39. 
Up to $39. 
None. 

Loss  of  the  Introductory APR:  If you make a late payment  we may end  your Introductory APR for Purchases and 
Balance Transfers and apply the standard Purchase and Balance Transfer APR. 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new transactions).” 
An explanation will be provided in your Cardholder Agreement. 

 
 
 
 
 
 
 
 
 
Loss of the Employee Rate: If you are eligible for the Employee Rate Program, you will receive a 15.24% variable 
APR.  In the event your current employment ends, we will apply the standard APR then in effect, based on your 
creditworthiness. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your 
Cardholder Agreement. 

*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 last business day of the calendar month prior to your statement closing date (for example, if your 
statement closed on March 15, we would use the Prime Rate in effect on February 28 for your current statement period 
that covers February 16 – March 15 period). APRs shown here are based on the 5.50% Prime Rate in effect on February 
1, 2019. For each billing period, the APR is determined by adding a margin to the Prime Rate. The margin for the APR 
for Purchases and Balance Transfers is 9.74% to 15.74%, based on your creditworthiness and for Cash Advances is 
18.74%. 

World Mastercard Travel Terms and Conditions 
1Travel Accident Insurance. Coverage applies when the entire cost of the fare has been charged to the card. Your 
account must be in good standing. Certain terms, conditions and exclusions apply. Please refer to your Mastercard 
Guide to Benefits for further details. 

 
 
 
World Mastercard® Credit Card 
For PGA Section Credit Card Program 

This program is issued and administered by TCM Bank, N.A.  Information on this disclosure was accurate as of  
February 1, 2019.  Before you submit your application, please read through these Important Disclosures, which contain 
additional information about rates, fees, and other 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 changed, please write to:   TCM Bank, N.A., P.O. Box 
31537, Tampa, FL 33631. Each applicant must be at least 18 years of age. 

Interest Rates and Interest Charges 
Annual Percentage 
Rate (APR) for 
Purchases 

The standard APR is 12.24% to 18.24%, based on 
creditworthiness. Your APR will vary with the market based on Prime Rate.* 

APR for Balance 
Transfers 
APR for Cash 
Advances 
Paying Interest 

Minimum Interest 
Charge 
For Credit Card 
Tips from the 
Consumer 
Financial 
Protection Bureau 

Fees 
Annual Fee 
Transaction Fees: 
Balance Transfer 
Cash Advance 
Foreign Transaction 

The standard APR is 12.24% to 18.24%, based on your creditworthiness.  Your 
APR will vary with the market based on Prime Rate.* 
24.24%.  Your APR will vary with the market based on Prime Rate.* 

Your due date is at least 23 days after the close of each billing cycle.  You will 
not be charged interest on purchases if you pay your entire balance by the due 
date each month. You will be charged interest on cash advances from the 
transaction date, or the first day of the billing cycle in which it is posted to your 
account, whichever is later. 
If you are charged interest, the charge will be no less than $1.00. 

To learn more about factors to consider when applying for or using a credit 
card, visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 

None. 

Either $5 or 3% of each balance transferred, whichever is greater. 
Either $5 or 3% of each cash advance, whichever is greater. 
If the merchant is outside of the U.S., the fee is: 
a) 1% of the U.S. dollar amount of the transaction, if converted from a foreign 
currency, 
b) 0.8% of the U.S. dollar amount of the transaction, if made in U.S. dollars. 

Penalty Fees: 
Late Payment 
Returned Payment 
Over Limit Fee 

Up to $39. 
Up to $39. 
None. 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new transactions).” 
An explanation will be provided in your Cardholder Agreement. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your 
Cardholder Agreement. 

*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 last business day of the calendar month prior to your statement closing date (for example, if your 
statement closed on March 15, we would use the Prime Rate in effect on February 28 for your current statement period 
that covers February 16 – March 15 period). APRs shown here are based on the 5.50% Prime Rate in effect on February 

 
 
 
 
 
 
 
 
 
1, 2019. For each billing period, the APR is determined by adding a margin to the Prime Rate. The margin for the APR 
for Purchases and Balance Transfers is 6.74% to 12.74%, based on your creditworthiness and for Cash Advances is 
18.74%. 

World Mastercard Travel Terms and Conditions 
1Travel Accident Insurance. Coverage applies when the entire cost of the fare has been charged to the card. Your 
account must be in good standing. Certain terms, conditions and exclusions apply. Please refer to your Mastercard 
Guide to Benefits for further details. 

 
Rewards Platinum Credit Card 
For PGA Section Credit Card Program 

This program is issued and administered by TCM Bank, N.A.  Information on this disclosure was accurate as of  
February 1, 2019.  Before you submit your application, please read through these Important Disclosures, which contain 
additional information about rates, fees, and other 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 changed, please write to:  TCM Bank, N.A., P.O. Box 
31537, Tampa, FL 33631. Each applicant must be at least 18 years of age. 

Interest Rates and Interest Charges 
Annual Percentage 
Rate (APR) for 
Purchases 

The standard APR is 12.24% to 22.24%, based on 
creditworthiness. Your APR will vary with the market based on Prime Rate.* 

APR for Balance 
Transfers 
APR for Cash 
Advances 
Paying Interest 

Minimum Interest 
Charge 
For Credit Card 
Tips from the 
Consumer 
Financial 
Protection Bureau 

Fees 
Annual Fee 
Transaction Fees: 
Balance Transfer 
Cash Advance 
Foreign Transaction 

The standard APR is 12.24% to 22.24%, based on your creditworthiness.  Your 
APR will vary with the market based on Prime Rate.* 
24.24%.  Your APR will vary with the market based on Prime Rate.* 

Your due date is at least 23 days after the close of each billing cycle.  You will 
not be charged interest on purchases if you pay your entire balance by the due 
date each month. You will be charged interest on cash advances from the 
transaction date, or the first day of the billing cycle in which it is posted to your 
account, whichever is later. 
If you are charged interest, the charge will be no less than $1.00. 

To learn more about factors to consider when applying for or using a credit 
card, visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 

None. 

Either $5 or 3% of each balance transferred, whichever is greater. 
Either $5 or 3% of each cash advance, whichever is greater. 
If the merchant is outside of the U.S., the fee is: 
a) 1% of the U.S. dollar amount of the transaction, if converted from a foreign 
currency, 
b) 0.8% of the U.S. dollar amount of the transaction, if made in U.S. dollars. 

Penalty Fees: 
Late Payment 
Returned Payment 
Over Limit Fee 

Up to $39. 
Up to $39. 
None. 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new transactions).” 
An explanation will be provided in your Cardholder Agreement. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your 
Cardholder Agreement. 

*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 last business day of the calendar month prior to your statement closing date (for example, if your 
statement closed on March 15, we would use the Prime Rate in effect on February 28 for your current statement period 

 
 
 
 
 
 
 
 
 
that  covers  February  16  to  March  15  period).  APRs  shown  here  are  based  on  the  5.50%  Prime  Rate  in  effect  on 
February 1, 2019. For each billing period, the APR is determined by adding a margin to the Prime Rate. The margin for 
the  APR  for  Purchases  and  Balance  Transfers  is  6.74%  to  16.74%,  based  on  your  creditworthiness  and  for  Cash 
Advances is 18.74%. 

 
Secured Platinum Credit Card 

This program is issued and administered by TCM Bank, N.A.  Information on this disclosure was accurate as of  
February 1, 2019.  Before you submit your application, please read through these Important Disclosures, which contain 
additional information about rates, fees, and other 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 changed, please write to:  TCM Bank, N.A., P.O. Box 
31537, Tampa, FL 33631. Each applicant must be at least 18 years of age. 

Interest Rates and Interest Charges 
Annual Percentage 
Rate (APR) for 
Purchases 

21.24%, based on your creditworthiness. Your APR will vary with the 
market based on Prime Rate.* 

APR for Balance 
Transfers 
APR for Cash 
Advances 
Paying Interest 

Minimum Interest 
Charge 
For Credit Card 
Tips from the 
Consumer 
Financial 
Protection Bureau 

Fees 
Annual Fee 
Transaction Fees: 
Balance Transfer 
Cash Advance 
Foreign Transaction 

21.24%, based on your creditworthiness.  Your APR will vary with the market 
based on Prime Rate.* 
24.24%.  Your APR will vary with the market based on Prime Rate.* 

Your due date is at least 23 days after the close of each billing cycle.  You will 
not be charged interest on purchases and balance transfers if you pay your 
entire balance by the due date each month. You will be charged interest on 
cash advances from the transaction date, or the first day of the billing cycle in 
which it is posted to your account, whichever is later. 
If you are charged interest, the charge will be no less than $1.00. 

To learn more about factors to consider when applying for or using a credit 
card, visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 

$29 

Either $5 or 3% of each balance transferred, whichever is greater. 
Either $5 or 3% of each cash advance, whichever is greater. 
If the merchant is outside of the U.S., the fee is: 
a) 1% of the U.S. dollar amount of the transaction, if converted from a foreign 
currency, 
b) 0.8% of the U.S. dollar amount of the transaction, if made in U.S. dollars. 

Penalty Fees: 
Late Payment 
Returned Payment 
Over Limit Fee 

Up to $39. 
Up to $39. 
None. 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new transactions).” 
An explanation will be provided in your Cardholder Agreement. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your 
Cardholder Agreement. 

 
 
 
 
 
 
 
 
 
 
 
 
 
*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 last business day of the calendar month prior to your statement closing date (for example, if your 
statement closed on March 15, we would use the Prime Rate in effect on February 28 for your current statement period 
that covers February 16 – March 15 period). APRs shown here are based on the 5.50% Prime Rate in effect on February 
1, 2019. For each billing period, the APR is determined by adding a margin to the Prime Rate. The margin for the APR 
for Purchases and Balance Transfers 15.74%, based on your creditworthiness and for Cash Advances is 18.74%. 

Deposit Account Disclosures: 
Your Secured Deposit Account will serve as collateral for your credit card obligations to us.  

This is a non-interest bearing account. 

 
  You must deposit between $300 and $5,000 to open this account and must maintain a balance equal to your 

approved credit limit. 
There are no fees associated with your account. 

 
  You may not make any withdrawals from or deposits to this account.  

The full deposit agreement for your Secured Deposit Account will be provided with your card. If you disagree with the 
terms and conditions of the deposit agreement you should contact us immediately after you receive it and request to 
close the Secured Deposit Account and your credit card account.  

You understand that the terms of your Secured Deposit Account are subject to change. IMPORTANT NOTICE 
REGARDING CHANGES IN TERMS: We reserve the right to unilaterally change the terms of your Secured Deposit 
Account at any time for any reason. All changes in terms will be subject to the requirements of applicable law.