Interest Rates and Interest Charges 
Annual percentage rate 
(APR) for purchases  

ATIRAcreditSM Platinum MasterCard® 
Terms and Conditions 

8.99% to 20.99% based on your creditworthiness.  This APR will vary with the market based 
on the Prime Rate.     
Balance Transfer APR is the same as the Purchase APR  
20.99% The APR will vary with the market based on the Prime Rate. 
The Penalty Rate is determined by adding a premium of 5% to your applicable Purchase and Cash 
Advance rates, subject to state APR caps.  This APR may be applied to your account if you are 60 or 
more days late with your payment on any accounts that you have with us. 
How long will the Penalty APR apply?  If your APRs are increased for any of these reasons, the 
Penalty APR will apply until you make six consecutive minimum payments when due.    
Your due date is at least 25 days after the close of each billing cycle.  We will not charge you interest on 
purchases and balance transfers if you pay your entire balance by the due date each month.  We begin 
charging interest on cash advances on the transaction date. 
For each period that your account is subject to a finance charge, the minimum total FINANCE 
CHARGE imposed will be $0.25. 
To learn more about factors to consider when applying for or using a credit card, visit the website of 
the Federal Reserve Board at www.federalreserve.gov/creditcard. 

None 
None 
None 
Up to 4% of the amount of the cash advance but not less than $10.00.  Subject to applicable state rate 
requirements.  
If your payment is received by us after the payment due date listed on your monthly statement, a fee 
will be applied to your account as outlined.  $5.00 for KY, WY, MS, SD; $10.00 for CA; $15.00 for AK, 
AL, AR, AZ, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, LA, MA, MD, ME, MI, MN, MO, 
MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, WI, WV, VA, VT, 
WA, AE, AA, and AP. 
A fee will be applied to your account for each returned check or rejected draft as outlined.  $0.00 for 
OK and IN; $10.00 for NV; $15.00 for MS, SD; and TX, $20.00 for AK, AL, AR, AZ, CA, CO, CT, 
DE, DC, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, 
NH, NJ, NM, NY, OH, OR, PA, RI, SC, SD, TN, UT, VA, VT, WA, WI, WV, WY, AE, AA, and AP. 
On purchases made outside the United States, a fee equal to 1% of the converted transaction amount 
will be applied to your account. 

APR for Balance Transfers 
APR for Cash Advances 
Penalty APR and When it 
Applies 

Paying Interest 

Minimum Finance Charge 

For Credit Card Tips from 
the Federal Reserve Board 

Fees 
Annual Fee 
Balance Transfer Fee 
Overlimit Fee 
Cash Advance Fee & Quasi-
Cash Fee 
Late Payment Fee 

Returned Check Fee 

Foreign Transaction Fee 

Additional Information About The Card 

leave qualified employment we reserve the right to adjust your APR 
based upon your risk score.   

Your APR can fluctuate  
The variable APR you receive is dependent on your credit history.  
Your purchase APR may vary monthly.  The purchase rate is 
determined by adding a premium of 1.99% to 17.74% to the Prime 
Rate.  The Cash Advance rate is determined by adding a premium 
of 17.74% to the Prime Rate resulting in a periodic rate of 
0.05751%. Your APRs may also be subject to applicable state rate 
caps. 

Your variable APRs can go up or down each month as the Prime 
Rate goes up or down. Your APRs can increase to the Penalty APR 
if your payment is received 60 or more days after your payment 
due date. If we increase your APRs for late payments, we will 
return you to your prior APRs if you make at least the minimum 
payment on time for six consecutive billing periods. If we change 
your APRs for reasons other than when the Prime Rate changes or 
you paid late as disclosed above, we will notify you in writing of 
your options in advance, including the right to opt out of certain 
changes.  If you are an employee receiving the employee rate and 

Other Terms of Your Account May Change 
We may change any other terms of your account, other than APRs, at 
any time, as permitted by law. If we change any of these terms, we 
will notify you in advance of your options in writing, including the 
right to opt out of certain changes. 

How Your Variable Rate is Calculated 
We calculate your variable rate by adding a premium to the Prime 
Rate published in the "Money Rates" section of The Wall Street Journal, 
and it can change up to three days prior to your statement closing 
date. If the Prime Rate changes, your new rate will take effect on the 
then current billing period. 

How We Determine Your Credit Line 
We determine your credit line based on the strength of your credit 
history and the information you provide in your application. The 
minimum credit line is $500. 

See reverse for more disclosures 

 
 
 
 
 
 
 
 
How Your Minimum Payment is Calculated 
Your minimum payment will be the greater of 3% of your 
outstanding balance or $40. If your balance is less than $40, your 
minimum payment will equal your balance. 

How we calculate your balance 
We use a method called “average daily balance (including new 
purchases).”  To get the "average daily balance", we total the "daily 
balance" for each day in the billing period and dividing that figure 
by the total number of days in the billing period.  To get the "daily 
balance", we take the beginning balance every day, (including 
unpaid periodic finance charges from the previous billing periods), 
add any new charges, and any periodic finance charges on the 
previous day’s balance, subtract any credits or payments credited as 
of that day, and make other adjustments.  A credit balance is 
treated as a balance of zero. 

You May Receive Future Offers With Different Terms 
At any time in the future, we may extend new offers in connection 
with this account, including opportunities to transfer additional 
balances. These new products and services may have different 
APRs, fees and other terms. We will provide any different terms 
when we make you the new offer, and you may accept or decline 
any such offer. 

Payment Allocation 
Each billing period, to the extent your payments exceed the 
Minimum Payment Due shown on your current billing statement, 
we will apply these excess amounts in order of the APR applicable 
to the balance of each transaction category generally from highest 
to lowest, beginning with the balance subject to the highest APR.  
Otherwise, we will apply payments and credits at our discretion, 
including in a manner most favorable or convenient for us.  In all 
cases, we will apply payments and credit in accordance with 
applicable law. 

There is a Minimum Income Requirement For This Card 
The minimum gross annual income required for an account is 
$10,000.  Applicants under 21 years of age must provide 
information indicating the ability to make the required payments 
for the account.   

Terms and Conditions 
I am applying to TMG Financial Services (TMGFS) for a credit 
card account. TMGFS has partnered with my Credit Union to 
provide me with this service.  Everything that I have stated in this 
application is correct to the best of my knowledge. I understand 
that I must be at least 18 years of age and have a valid social 
security number, unless otherwise specified to qualify for this 
offer.   

I understand that approval is based upon satisfying TMGFS’ credit 
standards.  I understand that I may not qualify for the lowest APR 
disclosed above and that the APR that is offered me will be 
determined by TMGFS’ review of my credit report, information I 
supplied on the application, and other relevant information.  
TMGFS maintains the right not to open my account if: (a) the 
information provided on or with my application is incomplete, 
inaccurate or unverifiable; (b) I no longer meet TMGFS’ standards 
for creditworthiness; (c) my name and/or mailing address has been 

altered.  I understand that the exact amount of my credit line will be 
determined after review of my application and other information. 

The information about the costs and benefits of the card described in 
this Application is accurate as of 1/14/2010.  This information may 
have changed.  To find out what may have changed, please visit 
www.ATIRAcredit.com for the latest version, or call 888-4-
ATIRA-1 (888-428-4721). 

Rates, fee and terms may change:  We may change the account 
terms, including the APRs on new purchases or fees, at any 
time for any reason.  If we change the terms of your account, you 
will receive advance notice and have a right to opt out in accordance 
with applicable law.    

Authorizations 
You authorize us to obtain credit reports in connection with your 
request for an account. If an account is opened, we may obtain credit 
reports in connection with additional extensions of credit, upgrade of 
the product or change in terms, the renewal, review or collection of 
your account, or in connection with another legitimate purpose. 

If an account is opened, you will receive a Card Agreement with your 
card(s). All terms and conditions of your account are contained in 
your Card Agreement, Welcome Letter, and Card Carrier.  You agree 
to these terms by using your account or by not closing the account 
within three (3) days of receiving the Card Agreement. 

You certify that you are the person to whom this offer was 
addressed, that you are of age to legally contract and that you have 
read and reviewed all terms, conditions and disclosures provided. 
You certify that the information you provide in connection with 
obtaining this credit card is complete and accurate. You understand 
that omission of information requested may be reason for denial. 

Our agreement with you will be governed by applicable State and 
Federal laws.  

You understand that the Cardmember Agreement contains an 
Arbitration Provision that may limit your legal rights, including your 
right to go to court, to have a jury trial, and to participate in class 
actions. 

IMPORTANT INFORMATION ABOUT PROCEDURES 
FOR OPENING A NEW ACCOUNT: To help the government 
fight the funding of terrorism and money laundering activities, U.S. 
Federal law requires financial institutions to obtain, verify, and record 
information that identifies each person (individual or business) who 
opens an account. What this means for you: when you open an 
account, we will ask for your name, address, date of birth and other 
information that will allow us to identify you. We may also ask for 
your driver's license or other identifying information. 

STATE SPECIFIC INFORMATION 

California Residents: 
Applicants: 1) may, after credit approval, use the credit card account 
up to its credit limit; 2) may be liable for amounts extended under the 
plan to any joint applicant. As required by law, you are hereby 
notified that a negative credit report reflecting on your credit record 

See reverse for more disclosures 

 
 
 
 
 
 
 
 
 
 
 
may be submitted to a credit reporting agency if you fail to fulfill 
the terms of your credit obligations. 

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. 

New York Residents: 
TMG Financial Services may obtain at any time your credit reports 
for any legitimate purpose associated with the account or the 
application or request for an account, including but not limited to 
reviewing, modifying, renewing and collecting on your account. On 
your request, you will be informed if such a report was ordered. If 
so, you will be given the name and address of the consumer 
reporting agency furnishing the report. New York residents may 
contact the New York State Banking Department (1-877-226-
5697) for a comparative list of credit card rates, fees, and grace 
periods. 

Notice to Married Wisconsin Applicants: 
No provision of any marital property agreement, a unilateral 
statement under Section 766.59 of the Wisconsin Statues or a court 
decree under Section 766.70 of the Wisconsin Statues adversely 
affects the interest of the creditor unless the creditor, prior to the 
time credit is granted, is furnished with a copy of the agreement, 
statement or decree or has actual knowledge of the adverse 
provision when the obligation to the creditor is incurred.