Rewards Platinum Credit Card 

Information on this disclosure was accurate as of February 17, 2020. This card will be issued and administered by TCM Bank, N.A. 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 

0% Introductory APR applies for twelve billing cycles from date of account opening.  

After that, your APR will be 11.49% to 21.49%, based on your creditworthiness.     
This APR will vary with the market based on the Prime Rate.* 

APR for Balance 
Transfers 

0% Introductory APR applies for twelve billing cycles from date of account opening. 

After that, your APR will be 11.49% to 21.49%, based on your creditworthiness. This APR 
will vary with the market based on the Prime Rate.* 

APR for Cash 
Advances 

23.49% 

How to Avoid 
Paying Interest on 
Purchases 
Minimum Interest 
Charge 
For Credit Card 
Tips from the 
Consumer 
Financial 
Protection Bureau 

Fees 
Annual Fee 
Transaction Fees 

  Balance 
Transfer 

  Cash 

Advance 

  Foreign 

Transaction 

Penalty Fees 

This APR will vary with the market based on the Prime Rate.* 

Your due date is at least 23 days after the close of each billing cycle. We will not charge you 
any interest on purchases if you pay your entire balance by the due date each month.   

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. 

1% of the U.S. dollar amount of each transaction made in a foreign currency, in U.S. dollars 
outside the U.S., or (whether in a foreign currency or in U.S. dollars) with a foreign merchant. 

  Late 

Payment 

Up to $40. 

  Over-the 

Credit Limit 

None 

  Returned 
Payment 

Up to $40. 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new transactions).” 

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 Purchase and Balance Transfer APR which would apply when the Introductory APR expires. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loss of the Employee Rate: If you are eligible for the Employee Rate Program, you will receive an 11.49% variable APR 
on purchases and balance transfers. In the event your current employment ends, we will apply the APR then in effect 
which would apply when the Introductory APR expires, based on your creditworthiness. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights will be 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 (“Last Business Day”) and apply it beginning with the 
first billing period following the Last Business Day. APRs shown here are based on a 4.75% Prime Rate. 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%. 

NOTICE:  A  consumer  credit  report  may  be  requested  in  connection  with  this  application  and  subsequent  consumer  reports  may  be 
requested or utilized in connection with an update, renewal or extension of the credit for which application was made. Upon request, you 
will be informed whether or not a consumer report was requested, and if such report was requested, informed of the name and address 
of the consumer reporting agency that furnished the report. You agree that we will consider this an Application for a Visa® or Mastercard® 
account.  You agree that we reserve the right, based upon our evaluation of information furnished by you or others, not to open an account. 

Important Information About Procedures for Opening a New Account 
To help the government fight the funding of terrorism and  money laundering activities, Federal law  requires all financial institutions to 
obtain, verify, and record information that identifies each person 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 to see your driver's license or other identifying documents.  

State  Laws  Require  the  Following Notices:  California Residents: A married applicant may apply for a separate account. After credit 
approval, each applicant shall have the right to use this account to the extent of any limit set by the creditor and each applicant may be 
liable for all amounts 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 by telephone or visit its website for free information on comparative credit card rates, 
fees and grace periods. New York state department of financial services telephone: (800) 342-3736 and website: www.dfs.ny.gov. Ohio 
Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy 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 credit obligation is being incurred 
in the interest of your marriage or family. No provision of any marital property agreement, unilateral statement under Section 766.59, or 
court decree under Section 766.70, adversely affects the 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 when the obligation to the 
creditor is incurred. If the credit card for which you are applying is granted, you will notify TCM Bank if you have a spouse  who needs to 
review notification that credit has been extended to you. 

Applicable Law:  The above rates and fees are governed, as are your Cardholder Agreement and account, by the applicable laws and 
regulations of the United States  of  America  and to the extent not preempted by federal law,  the laws and regulations of the  State of 
Florida. 

Balance Transfer Disclosures: You agree to allow approximately 30 days for us to process your application and, if approved, transfer the 
balance(s) to  your TCM account. Please continue to  make at  least minimum payments on  your  other credit cards until they notify you 
that  the balances have been transferred.  If the amounts you request to be transferred do not satisfy the outstanding balance(s) on the 
designated accounts, you will continue to be responsible for those balances. The total amount of your balance transfer request cannot 
exceed the amount of your credit line. You may not transfer balances from other accounts issued by TCM Bank. Transfer requests to cash 
or  to  yourself  cannot  be  processed.  The  payment  and  transfer  of  balances  are  contingent  upon  approval  by  the  bank  and  receipt  of 
complete, legible balance transfer requests. 

Rewards: In order to access reward points, your account must be open and in good standing. 

 
 
 
 
 
 
 
Cash Rewards Platinum Credit Card 

Information on this disclosure was accurate as of February 17, 2020. This card will be issued and administered by TCM Bank, N.A. 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 

0% Introductory APR applies for twelve billing cycles from date of account opening.  

After that, your APR will be 14.49% to 24.49%, based on your creditworthiness.     
This APR will vary with the market based on the Prime Rate.* 

APR for Balance 
Transfers 

APR for Cash 
Advances 

How to Avoid 
Paying Interest on 
Purchases 
Minimum Interest 
Charge 
For Credit Card 
Tips from the 
Consumer 
Financial 
Protection Bureau 

Fees 
Annual Fee 
Transaction Fees 

  Balance 
Transfer 

  Cash 

Advance 

  Foreign 

Transaction 

Penalty Fees 

0% Introductory APR applies for twelve billing cycles from date of account opening. 

After that, your APR will be 14.49% to 24.49%, based on your creditworthiness. This APR 
will vary with the market based on the Prime Rate.* 

23.49% to 26.49% 

This APR will vary with the market based on the Prime Rate.* 

Your due date is at least 23 days after the close of each billing cycle. We will not charge you 
any interest on purchases if you pay your entire balance by the due date each month.   

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. 

1% of the U.S. dollar amount of each transaction made in a foreign currency, in U.S. dollars 
outside the U.S., or (whether in a foreign currency or in U.S. dollars) with a foreign merchant. 

  Late 

Payment 

Up to $40. 

  Over-the 

Credit Limit 

None 

  Returned 
Payment 

Up to $40. 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new transactions).” 

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 Purchase and Balance Transfer APR which would apply when the Introductory APR expires. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loss of the Employee Rate: If you are eligible for the Employee Rate Program, you will receive an 14.49% variable APR 
on purchases and balance transfers. In the event your current employment ends, we will apply the APR then in effect 
which would apply when the Introductory APR expires, based on your creditworthiness. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights will be 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 (“Last Business Day”) and apply it beginning with the first 
billing period following the Last Business Day. APRs shown here are based on a 4.75% Prime Rate. 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% to 21.74%. 

NOTICE:  A  consumer  credit  report  may  be  requested  in  connection  with  this  application  and  subsequent  consumer  reports  may  be 
requested or utilized in connection with an update, renewal or extension of the credit for which application was made. Upon request, you 
will be informed whether or not a consumer report was requested, and if such report was requested, informed of the name and address 
of the consumer reporting agency that furnished the report. You agree that we will consider this an Application for a Visa® or Mastercard® 
account.  You agree that we reserve the right, based upon our evaluation of information furnished by you or others, not to open an account. 

Important Information About Procedures for Opening a New Account 
To help the government fight the funding of terrorism and  money laundering activities,  Federal law requires all financial institutions to 
obtain, verify, and record information that identifies each person 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 to see your driver's license or other identifying documents.  

State  Laws  Require  the  Following Notices:  California Residents: A married applicant may apply for a separate account. After credit 
approval, each applicant shall have the right to use this account to the extent of any limit set by the creditor and each applicant may be 
liable for all amounts 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 by telephone or visit its website for free information on comparative credit card rates, 
fees and grace periods. New York state department of financial services telephone: (800) 342-3736 and website: www.dfs.ny.gov. Ohio 
Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy 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 credit obligation is being incurred 
in the interest of your marriage or family. No provision of any marital property agreement, unilateral statement under Section 766.59, or 
court decree under Section 766.70, adversely affects the 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 when the obligation to the 
creditor is incurred. If the credit card for which you are applying is granted, you will notify TCM Bank if you have a spouse  who needs to 
review notification that credit has been extended to you. 

Applicable Law:  The above rates and fees are governed, as are your Cardholder Agreement and account, by the applicable laws and 
regulations of the United States  of  America  and to the extent not preempted by federal law,  the laws and regulations of the  State of 
Florida. 

Balance Transfer Disclosures: You agree to allow approximately 30 days for us to process your application and, if approved, transfer the 
balance(s) to  your TCM account. Please continue to  make at  least minimum payments on  your  other credit cards until they notify you 
that  the balances have been transferred.  If the amounts you request to be transferred do not satisfy the outstanding balance(s) on the 
designated accounts, you will continue to be responsible for those balances. The total amount of your balance transfer request cannot 
exceed the amount of your credit line. You may not transfer balances from other accounts issued by TCM Bank. Transfer requests to cash 
or  to  yourself  cannot  be  processed.  The  payment  and  transfer  of  balances  are  contingent  upon  approval  by  the  bank  and  receipt  of 
complete, legible balance transfer requests. 

Cash Rewards: In order to access cash rewards, your account must be open and in good standing. 

 
 
 
 
 
 
 
 
Platinum Edition Credit Card 

Information on this disclosure was accurate as of February 17, 2020. This card will be issued and administered by TCM Bank, N.A. 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 

0% Introductory APR applies for twelve billing cycles from date of account opening.  

After that, your APR will be 10.49% to 20.49%, based on your creditworthiness.     
This APR will vary with the market based on the Prime Rate.* 

APR for Balance 
Transfers 

0% Introductory APR applies for twelve billing cycles from date of account opening. 

After that, your APR will be 10.49% to 20.49%, based on your creditworthiness. This APR 
will vary with the market based on the Prime Rate.* 

APR for Cash 
Advances 

23.49% 

How to Avoid 
Paying Interest on 
Purchases 
Minimum Interest 
Charge 
For Credit Card 
Tips from the 
Consumer 
Financial 
Protection Bureau 

Fees 
Annual Fee 
Transaction Fees 

  Balance 
Transfer 

  Cash 

Advance 

  Foreign 

Transaction 

Penalty Fees 

This APR will vary with the market based on the Prime Rate.* 

Your due date is at least 23 days after the close of each billing cycle. We will not charge you 
any interest on purchases if you pay your entire balance by the due date each month.   

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. 

1% of the U.S. dollar amount of each transaction made in a foreign currency, in U.S. dollars 
outside the U.S., or (whether in a foreign currency or in U.S. dollars) with a foreign merchant. 

  Late 

Payment 

Up to $40. 

  Over-the 

Credit Limit 

None 

  Returned 
Payment 

Up to $40. 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new transactions).” 

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 Purchase and Balance Transfer APR which would apply when the Introductory APR expires. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loss of the Employee Rate: If you are eligible for the Employee Rate Program, you will receive a 10.49% variable APR 
on purchases and balance transfers. In the event your current employment ends, we will apply the APR then in effect 
which would apply when the Introductory APR expires, based on your creditworthiness. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights will be 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 (“Last Business Day”) and apply it beginning with the 
first billing period following the Last Business Day. APRs shown here are based on a 4.75% Prime Rate. 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%. 

NOTICE:  A  consumer  credit  report  may  be  requested  in  connection  with  this  application  and  subsequent  consumer  reports  may  be 
requested or utilized in connection with an update, renewal or extension of the credit for which application was made. Upon request, you 
will be informed whether or not a consumer report was requested, and if such report was requested, informed of the name and address 
of the consumer reporting agency that furnished the report. You agree that we will consider this an Application for a Visa® or Mastercard® 
account.  You agree that we reserve the right, based upon our evaluation of information furnished by you or others, not to open an account. 

Important Information About Procedures for Opening a New Account 
To help the government fight the funding of terrorism and  money laundering activities, Federal law  requires all financial institutions to 
obtain, verify, and record information that identifies each person 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 to see your driver's license or other identifying documents.  

State  Laws  Require  the  Following Notices:  California Residents: A married applicant may apply for a separate account. After credit 
approval, each applicant shall have the right to use this account to the extent of any limit set by the creditor and each applicant may be 
liable for all amounts 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 by telephone or visit its website for free information on comparative credit card rates, 
fees and grace periods. New York state department of financial services telephone: (800) 342-3736 and website: www.dfs.ny.gov. Ohio 
Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy 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 credit obligation is being incurred 
in the interest of your marriage or family. No provision of any marital property agreement, unilateral statement under Section 766.59, or 
court decree under Section 766.70, adversely affects the 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 when the obligation to the 
creditor is incurred. If the credit card for which you are applying is granted, you will notify TCM Bank if you have a spouse  who needs to 
review notification that credit has been extended to you. 

Applicable Law:  The above rates and fees are governed, as are your Cardholder Agreement and account, by the applicable laws and 
regulations of the United States  of  America  and to the extent not preempted by federal law,  the laws and regulations of the  State of 
Florida. 

Balance Transfer Disclosures: You agree to allow approximately 30 days for us to process your application and, if approved, transfer the 
balance(s) to  your TCM account. Please continue to  make at  least minimum payments on  your  other credit cards until they notify you 
that  the balances have been transferred.  If the amounts you request to be transferred do not satisfy the outstanding balance(s) on the 
designated accounts, you will continue to be responsible for those balances. The total amount of your balance transfer request cannot 
exceed the amount of your credit line. You may not transfer balances from other accounts issued by TCM Bank. Transfer requests to cash 
or  to  yourself  cannot  be  processed.  The  payment  and  transfer  of  balances  are  contingent  upon  approval  by  the  bank  and  receipt  of 
complete, legible balance transfer requests. 

 
 
 
 
 
 
 
Secured Platinum Credit Card 

Information on this disclosure was accurate as of February 17, 2020. This card will be issued and administered by TCM Bank, N.A. 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 
20.49%. 
Rate (APR) for 
Purchases 

     This APR will vary with the market based on the Prime Rate.* 

APR for Balance 
Transfers 

20.49%.  

This APR will vary with the market based on the Prime Rate.* 

APR for Cash 
Advances 

23.49% 

How to Avoid 
Paying Interest on 
Purchases 
Minimum Interest 
Charge 
For Credit Card 
Tips from the 
Consumer 
Financial 
Protection Bureau 

This APR will vary with the market based on the Prime Rate.* 

Your due date is at least 23 days after the close of each billing cycle. We will not charge you 
any interest on purchases if you pay your entire balance by the due date each month.   

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. 

Fees 
Annual Fee 
Transaction Fees 

$29 

  Balance 
Transfer 

  Cash 

Advance 

  Foreign 

Transaction 

Penalty Fees 

Either $5 or 3% of each balance transferred, whichever is greater. 

Either $5 or 3% of each cash advance, whichever is greater. 

1% of the U.S. dollar amount of each transaction made in a foreign currency, in U.S. dollars 
outside the U.S., or (whether in a foreign currency or in U.S. dollars) with a foreign merchant. 

  Late 

Payment 

Up to $40. 

  Over-the 

Credit Limit 

None 

  Returned 
Payment 

Up to $40. 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new transactions).” 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights will be 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 (“Last Business Day”) and apply it beginning with the 
first billing period following the Last Business Day. APRs shown here are based on a 4.75% Prime Rate. 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 15.74% and 
for Cash Advances is 18.74%. 

NOTICE:  A  consumer  credit  report may be  requested  in  connection  with  this  application  and subsequent  consumer reports may be 
requested or utilized in connection with an update, renewal or extension of the credit for which application was made. Upon request, you 
will be informed whether or not a consumer report was requested, and if such report was requested, informed of the name and address 
of the consumer reporting agency that furnished the report. You agree that we will consider this an Application for a Visa® or Mastercard® 
account.  You agree that we reserve the right, based upon our evaluation of information furnished by you or others, not to open an account. 

Important Information About Procedures for Opening a New Account 
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to 
obtain, verify, and record information that identifies each person 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 to see your driver's license or other identifying documents. 

State Laws Require the Following Notices:  California Residents: A married applicant may apply for a separate account. After credit 
approval, each applicant shall have the right to use this account to the extent of any limit set by the creditor and each applicant may be 
liable for all amounts 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 by telephone or visit its website for free information on comparative credit card rates, 
fees and grace periods. New York state department of financial services telephone: (800) 342-3736 and website: www.dfs.ny.gov. Ohio 
Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy 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 credit obligation is being incurred 
in the interest of your marriage or family. No provision of any marital property agreement, unilateral statement under Section 766.59, or 
court decree under Section 766.70, adversely affects the 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 when the obligation to the 
creditor is incurred. If the credit card for which you are applying is granted, you will notify TCM Bank if you have a spouse who needs to 
review notification that credit has been extended to you. 

Applicable Law:  The above rates and fees are governed, as are your Cardholder Agreement and account, by the applicable laws and 
regulations of the United States of America and to the extent not preempted by federal law,  the laws and regulations of the State of 
Florida. 

Balance Transfer Disclosures: You agree to allow approximately 30 days for us to process your application and, if approved, transfer the 
balance(s) to your TCM account. Please continue to make at least minimum payments on  your  other credit cards until they notify you 
that the balances have been transferred.  If the amounts you request to be transferred do not satisfy the outstanding balance(s) on the 
designated accounts, you will continue to be responsible for those balances. The total amount of your balance transfer request cannot 
exceed the amount of your credit line. You may not transfer balances from other accounts issued by TCM Bank. Transfer requests to cash 
or to  yourself cannot  be  processed.  The  payment  and transfer  of  balances  are  contingent  upon  approval  by  the  bank  and receipt  of 
complete, legible balance transfer requests. 

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. 

 
 
 
 
 
 
 
Visa® Signature Travel Credit Card 

Information on this disclosure was accurate as of February 17, 2020. This card will be issued and administered by TCM Bank, N.A. 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 

0% Introductory APR applies for twelve billing cycles from date of account opening.  

After that, your APR will be 14.49% to 20.49%, based on your creditworthiness.     
This APR will vary with the market based on the Prime Rate.* 

APR for Balance 
Transfers 

0% Introductory APR applies for twelve billing cycles from date of account opening. 

After that, your APR will be 14.49% to 20.49%, based on your creditworthiness. This APR 
will vary with the market based on the Prime Rate.* 

APR for Cash 
Advances 

23.49% 

How to Avoid 
Paying Interest on 
Purchases 
Minimum Interest 
Charge 
For Credit Card 
Tips from the 
Consumer 
Financial 
Protection Bureau 

Fees 
Annual Fee 
Transaction Fees 

•  Balance 
Transfer 

•  Cash 

Advance 

•  Foreign 

Transaction 

Penalty Fees 

This APR will vary with the market based on the Prime Rate.* 

Your due date is at least 23 days after the close of each billing cycle. We will not charge you 
any interest on purchases if you pay your entire balance by the due date each month.   

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. 

1% of the U.S. dollar amount of each transaction made in a foreign currency, in U.S. dollars 
outside the U.S., or (whether in a foreign currency or in U.S. dollars) with a foreign merchant. 

•  Late 

Payment 

Up to $40. 

•  Over-the 

None 

Credit Limit 

•  Returned 
Payment 

Up to $40. 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new transactions).” 

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 Purchase and Balance Transfer APR which would apply when the Introductory APR expires. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loss of the Employee Rate: If you are eligible for the Employee Rate Program, you will receive an 14.49% variable APR 
on purchases and balance transfers. In the event your current employment ends, we will apply the APR then in effect 
which would apply when the Introductory APR expires, based on your creditworthiness. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights will be 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 (“Last Business Day”) and apply it beginning with the 
first billing period following the Last Business Day. APRs shown here are based on a 4.75% Prime Rate. 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%. 

NOTICE:  A  consumer  credit  report  may  be  requested  in  connection with  this  application  and  subsequent  consumer  reports  may  be 
requested or utilized in connection with an update, renewal or extension of the credit for which application was made. Upon request, you 
will be informed whether or not a consumer report was requested, and if such report was requested, informed of the name and address 
of the consumer reporting agency that furnished the report. You agree that we will consider this an Application for a Visa® or Mastercard® 
account.  You agree that we reserve the right, based upon our evaluation of information furnished by you or others, not to open an account. 

Important Information About Procedures for Opening a New Account 
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to 
obtain, verify, and record information that identifies each person 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 to see your driver's license or other identifying documents. 

State Laws Require the Following Notices:  California Residents: A married applicant may apply for a separate account. After credit 
approval, each applicant shall have the right to use this account to the extent of any limit set by the creditor and each applicant may be 
liable for all amounts 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 by telephone or visit its website for free information on comparative credit card rates, 
fees and grace periods. New York state department of financial services telephone: (800) 342-3736 and website: www.dfs.ny.gov. Ohio 
Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy 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 credit obligation is being incurred 
in the interest of your marriage or family. No provision of any marital property agreement, unilateral statement under Section 766.59, or 
court decree under Section 766.70, adversely affects the 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 when the obligation to the 
creditor is incurred. If the credit card for which you are applying is granted, you will notify TCM Bank if you have a spouse who needs to 
review notification that credit has been extended to you. 

Applicable Law:  The above rates and fees are governed, as are your Cardholder Agreement and account, by the applicable laws and 
regulations of the United States of America and to the extent not preempted by federal law, the laws and regulations of the State of 
Florida. 

Balance Transfer Disclosures: You agree to allow approximately 30 days for us to process your application and, if approved, transfer the 
balance(s) to your TCM account. Please continue to make at least minimum payments on your other credit cards until they notify you 
that the balances have been transferred.  If the amounts you request to be transferred do not satisfy the outstanding balance(s) on the 
designated accounts, you will continue to be responsible for those balances. The total amount of your balance transfer request cannot 
exceed the amount of your credit line. You may not transfer balances from other accounts issued by TCM Bank. Transfer requests to cash 
or  to  yourself  cannot be  processed. The  payment and  transfer  of  balances  are  contingent  upon approval  by  the bank  and  receipt  of 
complete, legible balance transfer requests. 

Rewards: In order to access reward points, your account must be open and in good standing. 

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 waiver) 
offered by the rental agency. Certain terms, conditions and exclusions apply. Please refer to your Guide to Benefits for further details.  
3Lost 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. 
4Visa 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 

Information on this disclosure was accurate as of February 17, 2020. This card will be issued and administered by TCM Bank, N.A. 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 

0% Introductory APR applies for twelve billing cycles from date of account opening.  

After that, your APR will be 14.49% to 20.49%, based on your creditworthiness.     
This APR will vary with the market based on the Prime Rate.* 

APR for Balance 
Transfers 

0% Introductory APR applies for twelve billing cycles from date of account opening. 

After that, your APR will be 14.49% to 20.49%, based on your creditworthiness. This APR 
will vary with the market based on the Prime Rate.* 

APR for Cash 
Advances 

23.49% 

How to Avoid 
Paying Interest on 
Purchases 
Minimum Interest 
Charge 
For Credit Card 
Tips from the 
Consumer 
Financial 
Protection Bureau 

Fees 
Annual Fee 
Transaction Fees 

•  Balance 
Transfer 

•  Cash 

Advance 

•  Foreign 

Transaction 

Penalty Fees 

This APR will vary with the market based on the Prime Rate.* 

Your due date is at least 23 days after the close of each billing cycle. We will not charge you 
any interest on purchases if you pay your entire balance by the due date each month.   

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. 

1% of the U.S. dollar amount of each transaction made in a foreign currency, in U.S. dollars 
outside the U.S., or (whether in a foreign currency or in U.S. dollars) with a foreign merchant. 

•  Late 

Payment 

Up to $40. 

•  Over-the 

None 

Credit Limit 

•  Returned 
Payment 

Up to $40. 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new transactions).” 

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 Purchase and Balance Transfer APR which would apply when the Introductory APR expires. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loss of the Employee Rate: If you are eligible for the Employee Rate Program, you will receive an 14.49% variable APR 
on purchases and balance transfers. In the event your current employment ends, we will apply the APR then in effect 
which would apply when the Introductory APR expires, based on your creditworthiness. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights will be 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 (“Last Business Day”) and apply it beginning with the 
first billing period following the Last Business Day. APRs shown here are based on a 4.75% Prime Rate. 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%. 

NOTICE:  A  consumer  credit  report  may  be  requested  in  connection with  this  application  and  subsequent  consumer  reports  may  be 
requested or utilized in connection with an update, renewal or extension of the credit for which application was made. Upon request, you 
will be informed whether or not a consumer report was requested, and if such report was requested, informed of the name and address 
of the consumer reporting agency that furnished the report. You agree that we will consider this an Application for a Visa® or Mastercard® 
account.  You agree that we reserve the right, based upon our evaluation of information furnished by you or others, not to open an account. 

Important Information About Procedures for Opening a New Account 
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to 
obtain, verify, and record information that identifies each person 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 to see your driver's license or other identifying documents. 

State Laws Require the Following Notices:  California Residents: A married applicant may apply for a separate account. After credit 
approval, each applicant shall have the right to use this account to the extent of any limit set by the creditor and each applicant may be 
liable for all amounts 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 by telephone or visit its website for free information on comparative credit card rates, 
fees and grace periods. New York state department of financial services telephone: (800) 342-3736 and website: www.dfs.ny.gov. Ohio 
Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy 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 credit obligation is being incurred 
in the interest of your marriage or family. No provision of any marital property agreement, unilateral statement under Section 766.59, or 
court decree under Section 766.70, adversely affects the 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 when the obligation to the 
creditor is incurred. If the credit card for which you are applying is granted, you will notify TCM Bank if you have a spouse who needs to 
review notification that credit has been extended to you. 

Applicable Law:  The above rates and fees are governed, as are your Cardholder Agreement and account, by the applicable laws and 
regulations of the United States of America and to the extent not preempted by federal law, the laws and regulations of the State of 
Florida. 

Balance Transfer Disclosures: You agree to allow approximately 30 days for us to process your application and, if approved, transfer the 
balance(s) to your TCM account. Please continue to make at least minimum payments on your other credit cards until they notify you 
that the balances have been transferred.  If the amounts you request to be transferred do not satisfy the outstanding balance(s) on the 
designated accounts, you will continue to be responsible for those balances. The total amount of your balance transfer request cannot 
exceed the amount of your credit line. You may not transfer balances from other accounts issued by TCM Bank. Transfer requests to cash 
or  to  yourself  cannot be  processed. The  payment and  transfer  of  balances  are  contingent  upon approval  by  the bank  and  receipt  of 
complete, legible balance transfer requests. 

Rewards: In order to access reward points, your account must be open and in good standing. 

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 

Information on this disclosure was accurate as of February 17, 2020. This card will be issued and administered by TCM Bank, N.A. 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 will be 11.49% to 21.49%, based on your creditworthiness.      

This APR will vary with the market based on the Prime Rate.* 

APR for Balance 
Transfers 

The standard APR will be 11.49% to 21.49%, based on your creditworthiness.  

This APR will vary with the market based on the Prime Rate.* 

APR for Cash 
Advances 

23.49% 

How to Avoid 
Paying Interest on 
Purchases 
Minimum Interest 
Charge 
For Credit Card 
Tips from the 
Consumer 
Financial 
Protection Bureau 

Fees 
Annual Fee 
Transaction Fees 

  Balance 
Transfer 

  Cash 

Advance 

  Foreign 

Transaction 

Penalty Fees 

This APR will vary with the market based on the Prime Rate.* 

Your due date is at least 23 days after the close of each billing cycle. We will not charge you 
any interest on purchases if you pay your entire balance by the due date each month.   

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. 

1% of the U.S. dollar amount of each transaction made in a foreign currency, in U.S. dollars 
outside the U.S., or (whether in a foreign currency or in U.S. dollars) with a foreign merchant. 

  Late 

Payment 

Up to $40. 

  Over-the 

Credit Limit 

None 

  Returned 
Payment 

Up to $40. 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new transactions).” 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights will be 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 (“Last Business Day”) and apply it beginning with the 
first billing period following the Last Business Day. APRs shown here are based on a 4.75% Prime Rate. 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%. 

NOTICE:  A  consumer  credit  report  may  be  requested  in  connection  with  this  application  and  subsequent  consumer  reports  may  be 
requested or utilized in connection with an update, renewal or extension of the credit for which application was made. Upon request, you 
will be informed whether or not a consumer report was requested, and if such report was requested, informed of the name and address 
of the consumer reporting agency that furnished the report. You agree that we will consider this an Application for a Visa® or Mastercard® 
account.  You agree that we reserve the right, based upon our evaluation of information furnished by you or others, not to open an account. 

Important Information About Procedures for Opening a New Account 
To help the government fight the funding of terrorism and  money laundering activities, Federal law  requires all financial institutions to 
obtain, verify, and record information that identifies each person 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 to see your driver's license or other identifying documents.  

State  Laws  Require  the  Following Notices:  California Residents: A married applicant may apply for a separate account. After credit 
approval, each applicant shall have the right to use this account to the extent of any limit set by the creditor and each applicant may be 
liable for all amounts 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 by telephone or visit its website for free information on comparative credit card rates, 
fees and grace periods. New York state department of financial services telephone: (800) 342-3736 and website: www.dfs.ny.gov. Ohio 
Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy 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 credit obligation is being incurred 
in the interest of your marriage or family. No provision of any marital property agreement, unilateral statement under Section 766.59, or 
court decree under Section 766.70, adversely affects the 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 when the obligation to the 
creditor is incurred. If the credit card for which you are applying is granted, you will notify TCM Bank if you have a spouse  who needs to 
review notification that credit has been extended to you. 

Applicable Law:  The above rates and fees are governed, as are your Cardholder Agreement and account, by the applicable laws and 
regulations of the United States  of  America  and to the extent not preempted by federal law,  the laws and regulations of the  State of 
Florida. 

Balance Transfer Disclosures: You agree to allow approximately 30 days for us to process your application and, if approved, transfer the 
balance(s) to  your TCM account. Please continue to  make at  least minimum payments on  your  other credit cards until they notify you 
that  the balances have been transferred.  If the amounts you request to be transferred do not satisfy the outstanding balance(s) on the 
designated accounts, you will continue to be responsible for those balances. The total amount of your balance transfer request cannot 
exceed the amount of your credit line. You may not transfer balances from other accounts issued by TCM Bank. Transfer requests to cash 
or  to  yourself  cannot  be  processed.  The  payment  and  transfer  of  balances  are  contingent  upon  approval  by  the  bank  and  receipt  of 
complete, legible balance transfer requests. 

Rewards: In order to access reward points, your account must be open and in good standing. 

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 

Information on this disclosure was accurate as of February 17, 2020. This card will be issued and administered by TCM Bank, N.A. 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 will be 11.49% to 21.49%, based on your creditworthiness.      

This APR will vary with the market based on the Prime Rate.* 

APR for Balance 
Transfers 

The standard APR will be 11.49% to 21.49%, based on your creditworthiness.  

This APR will vary with the market based on the Prime Rate.* 

APR for Cash 
Advances 

23.49% 

How to Avoid 
Paying Interest on 
Purchases 
Minimum Interest 
Charge 
For Credit Card 
Tips from the 
Consumer 
Financial 
Protection Bureau 

Fees 
Annual Fee 
Transaction Fees 

  Balance 
Transfer 

  Cash 

Advance 

  Foreign 

Transaction 

Penalty Fees 

This APR will vary with the market based on the Prime Rate.* 

Your due date is at least 23 days after the close of each billing cycle. We will not charge you 
any interest on purchases if you pay your entire balance by the due date each month.   

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. 

1% of the U.S. dollar amount of each transaction made in a foreign currency, in U.S. dollars 
outside the U.S., or (whether in a foreign currency or in U.S. dollars) with a foreign merchant. 

  Late 

Payment 

Up to $40. 

  Over-the 

Credit Limit 

None 

  Returned 
Payment 

Up to $40. 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new transactions).” 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights will be 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 (“Last Business Day”) and apply it beginning with the 
first billing period following the Last Business Day. APRs shown here are based on a 4.75% Prime Rate. 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%. 

NOTICE:  A  consumer  credit  report may be  requested  in  connection  with  this  application  and subsequent  consumer reports may be 
requested or utilized in connection with an update, renewal or extension of the credit for which application was made. Upon request, you 
will be informed whether or not a consumer report was requested, and if such report was requested, informed of the name and address 
of the consumer reporting agency that furnished the report. You agree that we will consider this an Application for a Visa® or Mastercard® 
account.  You agree that we reserve the right, based upon our evaluation of information furnished by you or others, not to open an account. 

Important Information About Procedures for Opening a New Account 
To help the government fight the funding of terrorism and money laundering activities, Federal law  requires all financial institutions to 
obtain, verify, and record information that identifies each person 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 to see your driver's license or other identifying documents. 

State Laws Require the Following Notices:  California Residents: A married applicant may apply for a separate account. After credit 
approval, each applicant shall have the right to use this account to the extent of any limit set by the creditor and each applicant may be 
liable for all amounts 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 by telephone or visit its website for free information on comparative credit card rates, 
fees and grace periods. New York state department of financial services telephone: (800) 342-3736 and website: www.dfs.ny.gov. Ohio 
Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy 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 credit obligation is being incurred 
in the interest of your marriage or family. No provision of any marital property agreement, unilateral statement under Section 766.59, or 
court decree under Section 766.70, adversely affects the 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 when the obligation to the 
creditor is incurred. If the credit card for which you are applying is granted, you will notify TCM Bank if you have a spouse who needs to 
review notification that credit has been extended to you. 

Applicable Law:  The above rates and fees are governed, as are your Cardholder Agreement and account, by the applicable laws and 
regulations of the United States of America and to the extent not preempted by federal law,  the laws and regulations of the State of 
Florida. 

Balance Transfer Disclosures: You agree to allow approximately 30 days for us to process your application and, if approved, transfer the 
balance(s) to your TCM account. Please continue to make at least minimum payments on  your  other credit cards until they notify you 
that the balances have been transferred.  If the amounts you request to be transferred do not satisfy the outstanding balance(s) on the 
designated accounts, you will continue to be responsible for those balances. The total amount of your balance transfer request cannot 
exceed the amount of your credit line. You may not transfer balances from other accounts issued by TCM Bank. Transfer requests to cash 
or to  yourself cannot  be  processed.  The  payment  and transfer  of  balances  are  contingent  upon  approval  by  the  bank  and receipt  of 
complete, legible balance transfer requests. 

Rewards: In order to access reward points, your account must be open and in good standing.