GOLD MASTERCARD AND STANDARD MASTERCARD
CONSUMER CREDIT CARD AGREEMENT

In  this  Agreement,  “Agreement”  means  this  Consumer  Credit  Card  Agreement.  “Disclosure”  means  the  Credit  Card 
Account Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement 
and  is  part  of  the  Agreement.  In  this  Agreement  the  words  "you,"  “your,”  and  "yours"  mean  each  and  all  of  those  who 
agree  to  be  bound  by  this  Agreement;  "card"  means  the  MasterCard  credit  card  and  any  duplicates,  renewals,  or 
substitutions the Credit Union issues to you; "account" means your MasterCard credit card line-of-credit account with the 
Credit Union; and "Credit Union" means the Credit Union whose name appears on this Agreement or anyone to whom the 
Credit Union transfers this Agreement. 
1.  USING YOUR ACCOUNT — If you are approved for an account, the Credit Union will establish a line of credit for you. 
You  agree  that  your  credit  limit  is  the  maximum  amount  (purchases,  cash  advances,  finance  charges,  plus  "other 
charges") which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will 
not allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that 
exceed  your  credit  limit,  subject  to  a  fee,  the  Credit  Union  will  provide  you  with  notice,  either  orally,  in  writing,  or 
electronically (notwithstanding the requirements of the paragraph entitled “Statements and Notices”) explaining your right 
to opt in to the Credit Union’s program whereby it will honor advance requests over the credit limit. In the event you opt in 
to such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a 
method acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an 
advance and/or  terminate your  account  at  any  time  for  any  reason  not prohibited  by  law.  If you  are  permitted  to  obtain 
cash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on your 
account. Convenience checks may not be used to make a payment on your account balance. If you use a convenience 
check, it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check 
drawn on your account for any reason and such refusal shall not constitute wrongful dishonor. 
You may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee 
imposed  to  stop  a  payment  on  a  convenience  check  issued  on  your  account.  You  may  make  a  stop  payment  request 
orally,  if  permitted,  or  in  writing.  Your  request  must  be  made  with  sufficient  time  in  advance  of  the  presentment  of  the 
check for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately 
describe the check including the exact account number, the  payee, any check number that may be applicable, and the 
exact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after 
14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six 
(6) months and may be renewed for additional six month periods by requesting in writing that the stop payment order be 
renewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a 
check or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the 
payee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist us in any 
legal  action.  You  agree  to  indemnify  and  hold  us  harmless  from  all  costs  and  expenses,  including  attorney's  fees, 
damages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result 
of incorrect information provided to us or the giving of inadequate time to act upon a stop payment request.  
2.  USING YOUR CARD — You understand that the use of your credit card will constitute acknowledgement of receipt 
and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening Disclosure (Disclosure). You 
may  use  your  card  to  make  purchases  from  merchants  and  others  who  accept  your  card.  The  credit  union  is  not 
responsible  for  the  refusal  of  any  merchant  or  financial  institution  to  honor  your  card.  If  you  wish  to  pay  for  goods  or 
services over the Internet, you may be required to provide card number security information before you will be permitted 
to  complete  the  transaction.  In  addition,  you  may  obtain  cash  advances  from  the  Credit  Union,  from  other  financial 
institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your card.) If 
the credit union authorizes ATM transactions with your card, it will issue you a personal identification number (PIN). To 
obtain cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that you will 
not use your card for any transaction that is illegal under applicable federal, state, or local law. Even if you use your card 
for an illegal transaction, you will be responsible for all amounts and charges incurred in connection with the transaction. If 
you  are  permitted  to  obtain  cash  advances  on  your  account,  you  may  also  use  your  card  to  purchase  instruments  and 
engage in transactions that we consider the equivalent of cash. Such transactions will be posted to your account as cash 
advances and include, but are not limited to, wire transfers, money orders, bets, lottery tickets, and casino gaming chips, 
as applicable. This paragraph shall not be interpreted as permitting or authorizing any transaction that is illegal.  If you use 

©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED 

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your  card  for  illegal  transactions,  you  waive  the  right  to  sue  us  and  agree  to  indemnify  and  hold  us  harmless  from  any 
suits or other legal action or liability, directly or indirectly resulting from such illegal use. 
3.  PROMISE  TO  PAY  —  You  promise  to  pay  all  charges  (purchases,  cash  advances,  balance  transfers,  use  of 
convenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You 
also promise to pay all finance charges and other charges added to your account under the terms of this Agreement or 
another agreement you made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also 
applies to your account.  You cannot transfer or assign your account to any other person. 
4.  PERIODIC  RATES  —  The  periodic  rates  applicable  to  purchases,  cash  advances,  and  balance  transfers  are 
disclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a 
payment  by  the  payment  due  date  is  also  disclosed  on  the  Disclosure.  Any  rate  change  will  be  made  pursuant  to 
applicable law. If the rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on 
purchases,  cash  advances,  balance  transfers  and  any  penalty  rate  will  vary  periodically  as  disclosed  in  the  Disclosure 
accompanying this Agreement. The initial rate on your account for certain types of transactions may be an introductory 
discounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If an 
Introductory Rate applies to your account, the rates and the period of time it will be effective is shown on the Disclosure 
accompanying this Agreement. After the Introductory Rate period expires, the periodic rate will automatically increase to 
the rates that would ordinarily apply for that type of transaction based on the terms of this Agreement.  
5.  FINANCE CHARGES — New purchases posted to your account during a billing cycle will not incur a finance charge 
for that billing cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid the entire new 
balance on the previous cycle's billing statement by the payment due date of that statement; otherwise a finance charge 
will accrue from the date a purchase is posted to your account. To avoid an additional finance charge on the balance of 
purchases, you must pay the entire new balance on the billing statement by the payment due date of that statement. A 
finance charge begins to accrue on cash advances from the date you get the cash advance. 
The  average  daily  balances  for  purchases  and  cash  advances,  including  balance  transfers,  are  determined  separately.  
Balance transfers are considered cash advances.  Finance charges are imposed on purchases only if you do not pay in 
full the ending balance for purchases shown on your periodic statement by the payment due date which is at least 25 days 
after  the  billing  date  on  the  statement.    Your  account  will  be  subject  to  a  finance  charge  for  purchases  at  an  Annual 
Percentage Rate and corresponding monthly periodic rate as disclosed in the Account Opening Disclosure.  The finance 
charge on purchases is computed by applying the monthly periodic rate to the “Average Daily Balance for Purchases” in 
your  account  during  the  billing  cycle  covered  by  the  periodic  statement.    To  get  your  “Average  Daily  Balance  of 
Purchases,”  we  take  the  beginning  balance  of  your  purchases  each  day,  add  any  new  purchases  and  subtract  any 
payment or credits and unpaid finance charges.  This gives us the daily balance.  Then, we add all the daily balances of 
purchases for the billing cycle together and divide the total by the number of days in the billing cycle.  This gives us the 
“Average Daily Balance of Purchases.” 
Finance  charges  on  cash  advances,  including  balance  transfers,  are  imposed  from  the  transaction  date  until  the  cash 
advance is paid in full.  The finance charge for cash advances is computed by multiplying the “Average Daily Balance of 
Cash  Advances”  by  the  daily  periodic  rate  then  multiplying  the  result  by  the  number  of  days  in  the  cycle.    To  get  your 
“Average  Daily  Balance  of  Cash  Advances,”  we  take  the  beginning  balance  of  cash  advances  each  day,  add  any  new 
cash advances, and subtract any payments or credits and any unpaid finance charges.  This gives us the daily balance.  
Then, we add up all the daily balances of cash advances for the billing cycle and divide the total by the number of days in 
the billing cycle.  This gives us the “Average Daily Balance of Cash Advances.” 
6.  FOREIGN TRANSACTIONS — Purchases and cash advances made in foreign currencies will be debited from your 
account  in  U.S.  dollars.  The  exchange  rate  used  to  convert  foreign  currency  transactions  to  U.S.  dollars  is  either  a 
government-mandated exchange rate or a wholesale exchange rate and is selected by MasterCard. The rate MasterCard 
uses for a particular transaction is the rate MasterCard selects for the applicable currency on the day the transaction is 
processed.  This  rate  may  differ  from  the  rate  applicable  on  the  date  the  transaction  occurred  or  was  posted  to  your 
account. 
A fee (finance charge) will be charged on all transactions completed in a foreign currency. All fees are calculated based 
on  the  transaction  amount  after  it  is  converted  to  U.S.  dollars.  These  fees  are  charged  except  where  excluded.  The 
Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement. 
7.  FEES — In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to 
your  account,  the  fee  amounts  and  explanations  are  disclosed  on  the  Disclosure  accompanying  this  Agreement.  Your 
account may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement. 
a.  Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), the fee 
will be charged to your account when you obtain a cash advance from an ATM.  
b.  Foreign  Transaction  Fee  (Finance  Charge).  If  your  account  is  subject  to  a  Foreign  Transaction  Fee  (finance 
charge), a fee may be charged to your account for transactions made outside of the United States or in a foreign currency.  

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c.  Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to your account when 
you do not make the required minimum payment by or within the number of days of the statement payment due date set 
forth on the Disclosure accompanying this Agreement. 
d.  Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as limited by applicable law and 
when  the  request  is  made  in  connection  with  a  billing  error  made  by  the  credit  union,  a  fee  may  be  charged  to  your 
account  for  each  copy  of  a  sales  draft  or  statement  that  you  request  as  set  forth  on  the  Disclosure  accompanying  this 
Agreement. 
e.  Card  Replacement  Fee.  If  your  account  is  subject  to  a  Card  Replacement  Fee,  a  fee  will  be  charged  for  each 
replacement card that is issued to you for any reason as set forth on the Disclosure accompanying this Agreement. 
8.  PAYMENTS  —  Each  month  you  must  pay  at  least  the  minimum  payment  shown  on  your  statement  by  the  date 
specified  on  the  statement.  You  may  pay  more  frequently,  pay  more  than  the  minimum  payment  or  pay  the  total  new 
balance in full. If you make extra or larger payments, you are still required to make at least the minimum payment each 
month  your  account  has  a  balance  (other  than  a  credit  balance).  The  minimum  payment  is  2.00%  of  your  total  new 
balance, or $20.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, and 
any amount you are over your credit limit.  If the New Balance is less than $20.00, it is payable in full.  Payment checks 
must be drawn on a financial institution or other entity domiciled in the United States. In addition to the minimum payment, 
you must also pay, by the date specified above, the amount of any prior minimum payment(s) that you have not made, all 
outstanding unpaid fees and charges, and any amount you are over your credit limit.  The Credit Union also has the right 
to demand immediate payment of any amount by which you are over your credit limit. Payments will be credited to your 
account as of the date of receipt if you meet the requirements stated in your monthly statement.  Payments that do not 
conform to those requirements may be subject to a delay in crediting, but shall be credited within five (5) days of receipt.  
Although  we  post  payments  in  the  manner  described  above,  we  may  delay  restoring  your  available  credit  limit  in  the 
amount of your payment.  All credits for payments to your account are subject to final payment by the institution on which 
the item of payment is drawn. 
9.  PAYMENT ALLOCATION — Subject to applicable law, your payments may be applied to what you owe the Credit 
Union in any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of 
the  required  minimum  periodic  payment,  the  Credit  Union  will  allocate  the  excess  amount  first  to  the  balance  with  the 
highest annual percentage rate and any remaining portion to the other balances in descending order based on applicable 
annual percentage rate.  
10.  SECURITY  INTEREST  —  You  grant  the  Credit  Union  a  security  interest  under  the  Uniform  Commercial  Code  and 
under  any  common  law  rights  the  Credit  Union  may  have  in  any  goods  you  purchase.  If  you  give  the  Credit  Union  a 
specific pledge of shares by signing a separate pledge of shares, your pledged shares will secure your account. You may 
not withdraw amounts that have been specifically pledged to secure your account until the Credit Union agrees to release 
all or part of the pledged amount.  

Your Account is secured by all other shares you have in any individual or joint account with the Credit Union, 
except  for  shares  in  an  Individual  Retirement  Account  or  in  any  other  account  that  would  lose  special  tax 
treatment under state or federal law if given as security. These other shares may be withdrawn unless you are 
in default under this agreement. You authorize the Credit Union to apply the balance in your individual or joint 
share accounts to pay any amounts due on your Account if you should default. 

Collateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never 
be considered as security for this account, notwithstanding anything to the contrary in any other agreement.  
11.  DEFAULT — You will be in default if you fail to make any minimum payment or other required payment by the date 
that it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you 
die, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in 
default if you make any false or misleading statements in any credit application or credit update. You will be in default if 
we  have  evidence  or  a  reasonable  belief  that  an  unauthorized  use  of  the  account  has  been  made.  You  will  also  be  in 
default if something happens that the Credit Union believes may substantially reduce your ability to repay what you owe. 
When  you  are  in  default,  the  Credit  Union  has  the  right  to  demand  immediate  payment  of  your  full  account  balance 
without  giving  you  notice.  If  immediate  payment  is  demanded,  you  agree  to  continue  paying  finance  charges  at  the 
periodic rate charged before default, until what you owe has been paid, and any shares that were given as security for 
your account may be applied towards what you owe. 
12.  LIABILITY  FOR  UNAUTHORIZED  USE-LOST/STOLEN  CARD  NOTIFICATION  —  You  agree  to  notify  us 
immediately, orally or in writing, at Tower Federal Credit Union Member Service, PO Box 30495, Tampa, FL 33630-3495 
or telephone (888) 918-7530 seven (7) days a week, 24 hours a day, of the loss, theft, or unauthorized use of your credit 
card. If you are outside the United States or Canada, call collect (727) 570-4881.  You may be liable for the unauthorized 
use  of  your  credit  card.  You  agree  to  tell  us  what  you  know  about  the  loss  or  theft,  and  you  agree  to  assist  us  in 
discovering the circumstances relating to any unauthorized use of your account.  You will not be liable for unauthorized 
use that occurs after you notify us of the loss, theft, or possible unauthorized use. However, if you exercise reasonable 

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care in safeguarding your card from risk of loss or theft, if you have not reported two (2) or more incidents of unauthorized 
use in the last 12 months, and if your account is in good standing, you will not be liable for any unauthorized purchase 
transactions. In any case, your liability will not exceed $50.00.  
13.  CHANGING OR TERMINATING YOUR ACCOUNT — As permitted by law, the Credit Union may change the terms 
of this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with 
applicable  law.  If  permitted  by  law  and  specified  in  the  notice  to  you,  the  change  will  apply  to  your  existing  account 
balance as well as to future transactions.  We do not have to notify you in advance if certain changes are necessary for 
security reasons.  Your use of the card after receiving notice of a change will evidence your agreement to the change. 
Either you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will 
not affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement. 
Your obligation to pay the account balance plus any finance and other charges you owe under this agreement are subject 
to  all  applicable  laws  and  regulations  regarding  repayment  requirements.  You  are  also  responsible  for  all  transactions 
made to your account after termination, unless the transactions were unauthorized. 
The card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit 
Union all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint 
account, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.  
14.  CHANGING  OR  TERMINATING  AUTHORIZED  USERS  —  Upon  your  request,  we  may  issue  additional  cards  for 
authorized  users  that  you  designate.  You  must  notify  us  in  writing  of  any  termination  of  an  authorized  user's  right  to 
access  your  account.  Your  letter  must  include  the  name  of  the  authorized  user  and  your  account  number  and/or  any 
subaccount  number  issued  to  the  authorized  user  along  with  the  authorized  user's  card  and  any  convenience  or  other 
access checks issued to the authorized user. If you cannot return the authorized user's card or access checks and if you 
request your account to be closed, we will close your account and you may apply for a new account. 
15.  CREDIT REVIEW AND RELEASE OF INFORMATION — You authorize the Credit Union to investigate your credit 
standing when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your 
account to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency 
cash  and/or  emergency  card  replacement  services,  and  you  request  such  services,  you  agree  that  we  may  provide 
personal information about you and your account that is necessary to provide you with the requested service(s). 
16.  RETURNS  AND  ADJUSTMENTS  —  Merchants  and  others  who  honor  your  card  may  give  credit  for  returns  or 
adjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If  your 
credits and payments exceed what you owe the Credit Union, the amount will be applied against future purchases and 
cash  advances.  If  the  credit  balance  amount  is  $1.00  or  more,  it  will  be  refunded  upon  your  written  request  or 
automatically after six (6) months. 
17.  ADDITIONAL  BENEFITS/CARD  ENHANCEMENTS  —  The  Credit  Union  may  from  time  to  time  offer  additional 
services to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit 
Union is not obligated to offer such services and may withdraw or change them at any time. 
18.  MERCHANT DISPUTES — The Credit Union is not responsible for the refusal of any merchant or financial institution 
to  honor  your  card.  The  Credit  Union  is  subject  to  claims  and  defenses  (other  than  tort  claims)  arising  out  of  goods  or 
services you purchase with the card if you have made a good faith attempt but have been unable to obtain satisfaction 
from the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union 
sent or participated in sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within 
100 miles of your home. 
19.  JOINT ACCOUNTS — If this is a joint account, each of you will be individually and jointly responsible for paying all 
amounts owed under this Agreement. This means that the Credit Union can require any one of you individually to repay 
the entire amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances 
individually. Any one of you may terminate the account and the termination will be effective as to all of you. 
20.  EFFECT  OF  AGREEMENT  —  This  Agreement  and  Account  Opening  Disclosure  together  with  any  application  you 
signed  or  otherwise  submitted  in  connection  with  the  account  (which  is  hereby  incorporated  by  reference  in  this 
agreement), constitutes the entire agreement between you and us relating to your account and supersedes any other prior 
or  contemporaneous  agreement  between  you  and  us  relating  to  your  account.    This  Agreement  may  not  be  amended 
except  in  accordance  with  the  provisions  of  this  Agreement.    This  Agreement  is  the  contract  which  applies  to  all 
transactions on your account even though the sales, cash advances, credit or other slips you sign or receive may contain 
different terms. 
21.  NO WAIVER — The Credit Union can delay enforcing any of its rights any number of times without losing them. 
22.  STATEMENTS AND NOTICES — Statements and notices will be mailed to you at the appropriate address you have 
given the Credit Union. Notice sent to any one of you will be considered notice to all.  
23.  SEVERABILITY  AND  FINAL  EXPRESSION  —  This  Agreement  and  the  Disclosure  are  the  final  expression  of  the 
terms and conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of any 
alleged oral agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, all 
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other  parts  of  this  Agreement  and  Disclosure  shall  remain  in  effect  and  fully  enforceable  to  the  fullest  extent  possible 
under this Agreement. 
24.  COPY RECEIVED — You acknowledge that you have received a copy of this Agreement and Disclosure. 
25.  GAMBLING  TRANSACTIONS  PROHIBITED  —  You  may  not  use  your  card  to  initiate  any  type  of  gambling 
transaction. 
26.  VOLUNTARY PAYMENT PROTECTION — We may offer Voluntary Payment Protection to you. Voluntary Payment 
Protection is not necessary to obtain credit. If you purchase Voluntary Payment Protection from us, you authorize us to 
add  the  fees  or  insurance  charges  monthly  to  your  loan  balance  and  charge  you  interest  on  the  entire  balance.  At  our 
option we will change your payment or the period of time necessary to repay the loan balance. The rate used to determine 
the  fees  or  insurance  charges  may  change  in  the  future.  If  the  rate  changes,  we  will  provide  any  notices  required  by 
applicable law.  
27.  NOTICE TO UTAH BORROWERS — This written agreement is a final expression of the agreement between you and 
the Credit Union. This written agreement may not be contradicted by evidence of any oral agreement. 
28.  THE  FOLLOWING  IS  REQUIRED  BY  VERMONT  LAW  —  NOTICE  TO  CO-SIGNER  —  YOUR  SIGNATURE  ON 
THIS  NOTE  MEANS  THAT  YOU  ARE  EQUALLY  LIABLE  FOR  REPAYMENT  OF  THIS  LOAN.  IF  THE  BORROWER 
DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. 
29.  NOTICE TO ALABAMA BORROWERS — CAUTION: IT IS IMPORTANT THAT YOU THOROUGHLY READ THIS 
AGREEMENT BEFORE YOU SIGN IT. 
30. COMMUNICATIONS CONCERNING DISPUTED DEBTS:  ALL YOUR COMMUNICATIONS TO US CONCERNING 
DISPUTED  DEBTS,  INCLUDING  AN  INSTRUMENT  TENDERED  AS  FULL  SATISFACTION  OF  THIS  AGREEMENT, 
SHOULD BE SENT TO: TOWER FEDERAL CREDIT UNION MEMBER SERVICE, PO BOX 30495, TAMPA, FL 33630-
3495 
31.  CHANGE  OF  ADDRESS:    You  will  notify  us  promptly  if  you  change  your  address.    We  may  send  statements  and 
other notices to your address in our records until we have a reasonable opportunity to update our records with any new 
address for you. 
32. TELEPHONE MONITORING:  To ensure that you receive accurate and courteous member service, on occasion, your 
call may be monitored by our employees or agents and you agree to any such monitoring.  
33. MISCELLANEOUS:  This Agreement is governed by the laws of the State of Maryland except to the extent federal 
laws preempt Maryland law.  We elect to extend credit under Subtitle 9 of Title 12 of the Commercial Law Article of the 
Annotated  Code  of  Maryland,  except  to  the  extent  it  is  preempted  by  federal  law.    We  can  delay  enforcing  any  of  our 
rights any number of times without losing them. 

Your Billing Rights: Keep this Document for Future Use 
This notice tells you 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: 
Tower Federal Credit Union Member Service 
PO Box 30495 
Tampa, FL 33630-3495 

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 automated 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.  

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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 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 the 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 mailed 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: 

Tower Federal Credit Union Member Service 
PO Box 30495 
Tampa, FL 33630-3495 

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  you  do  not  pay,  we  may  report  you  as 
delinquent. 

6

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APPLICATION AND SOLICITATION DISCLOSURE

F1  

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 
APR for Cash Advances 
APR for Balance Transfers 

F2             
F3             
F4           Introductory APR for a period of 12 billing cycles. 
After that your APR on existing balances will increase to the non-
discounted rate of F5              
F6             
F7             

Penalty APR and When it Applies 
Minimum Interest Charge 
How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

We do not charge you interest on purchases if you pay your entire 
balance by the due date each month.  
To learn more about factors to consider when applying for or 
using a credit card, visit the Web site of the Consumer Financial 
Protection Bureau at http://www.consumerfinance.gov/learnmore. 

F8             

Fees 
Annual Fee 
-  Annual Fee 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee (ATM) 
-  Cash Advance Fee (Over-the-Counter) 
-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 
How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”  

F9             
F10      per cash advance 
F11           
F12      of each transaction in U.S. dollars 

Up to F13            
F14           

Loss  of  Introductory  APR.  We  may  end  your  Balance  Transfer  Introductory  APR  if  you  are  60  days  late  in  making  a 
payment. With the loss of your Introductory APR, your APR will be a rate of F15            

Balance Transfer Promotion.  The Balance Transfer Introductory APR as disclosed above will apply to balance transfers 
posted to your account during the period beginning F16                  and ending  F17           

Effective Date.  
The information about the costs of the card described in this application is accurate as of F18               
This information may have changed after that date. To find out what may have changed, visit one of our branches, call the 
Member Service Center at (301) 497-7000 or (800) 787- 8328 or write to us at Tower Federal Credit Union, P.O. Box 123, 
Annapolis Junction, MD  20701-0123. 

OTHER DISCLOSURES 
Late Payment Fee 

Statement Copy Fee 
Card Replacement Fee 
Sales Draft Copy Fee 

F19      or the amount of the required minimum payment, whichever is 
less, if you are 14 or more days late in making a payment. 
F20      per page up to a maximum of F21    per statement month. 
F22           
F23           

©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED 

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