Rewards Platinum Credit Card 
 Information on this disclosure was accurate as of April 30, 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 9.99% to 19.99% , 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 9.99% to 19.99%, based on your creditworthiness. This APR will 
vary with the market based on the Prime Rate.*  
APR for Cash 
Advances 21.99% 
 
This APR will vary with the market based on the Prime Rate.*  
How to Avoid 
Paying Interest on 
Purchases  Your due date is at least 2 3 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.   
Minimum Interest 
Charge  If you are charged interest, the charge will be no less than $1.00.  
For Credit Card 
Tips from the Consumer Financial 
Protection Bureau  To learn more about factor s 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 . 
 
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 .  Fees  
Annual Fee  None  
Transaction Fees  
 � Balance Transfer  � Cash Advance  
� Foreign 
Transaction   
 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.  
Penalty Fees  
 � Late Payment  � Over-the Credit Limit  
� Returned 
Payment   
 Up to $40.   None   Up to $40.  Loss of the Employee Rate: If you are eligible for the Employee Rate Program, you will receive an  9.99% 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 3.25% 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 t hat 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 customer s, 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 April 30, 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, an d 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 12.99% to 22.99% , 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 12.99% to 22.99%, based on your creditworthiness. This APR 
will vary with the market based on the Prime Rate.*  
APR for Cash 
Advances 21.99% to 24.99% 
 
This APR will vary with the market based on the Prime Rate.*  
How to Avoid 
Paying Interest on 
Purchases  Your due date is at least 2 3 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.   
Minimum Interest 
Charge  If you are charged interest, the charge will be no less than $1.00.  
For Credit Card 
Tips from the Consumer Financial 
Protection Bureau  To learn mo re about factor s 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 . 
 
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 .  Fees  
Annual Fee  None  
Transaction Fees  
 � Balance Transfer  � Cash Advance  
� Foreign 
Transaction   
 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.  
Penalty Fees  
 � Late Payment  � Over-the Credit Limit  
� Returned 
Payment   
 Up to $40.   None   Up to $40.  Loss of the Employee Rate: If you are eligible for the Employee Rate Program, you will receive an  12.99% 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 3.25% 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 requ ested, 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 customer s, 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 April 30, 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 8.99% to 18.99% , 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 8.99% to 18.99%, based on your creditworthiness. This APR will 
vary with the market based on the Prime Rate.*  
APR for Cash 
Advances 21.99% 
 
This APR will vary with the market based on the Prime Rate.*  
How to Avoid 
Paying Interest on 
Purchases  Your due date is at least 2 3 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.   
Minimum Interest 
Charge  If you are charged interest, the charge will be no less than $1.00.  
For Credit Card 
Tips from the Consumer Financial 
Protection Bureau  To learn mo re about factor s 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 . 
 
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 .  Fees  
Annual Fee  None  
Transaction Fees  
 � Balance Transfer  � Cash Advance  
� Foreign 
Transaction   
 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.  
Penalty Fees  
 � Late Payment  � Over-the Credit Limit  
� Returned 
Payment   
 Up to $40.   None   Up to $40.  Loss of the Employee Rate: If you are eligible for the Employee Rate Program, you will receive a 8 .99% 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 3.25% 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 customer s, 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 April 30, 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 18.99%. 
      This APR will vary with the market based on the Prime Rate.* 
APR for Balance 
Transfers 18.99%.  
 
This APR will vary with the market based on the Prime Rate.*  
APR for Cash 
Advances 21.99% 
 
This APR will vary with the market based on the Prime Rate.*  
How to Avoid 
Paying Interest on 
Purchases  Your due date is at least 2 3 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.   
Minimum Interest 
Charge  If you  are charged interest, the charge will be no less than $1.00.  
For Credit Card 
Tips from the Consumer Financial 
Protection Bureau  To learn more about factor s 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 . 
 
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 3.25% Prime Rate. For each billing period, the Fees  
Annual Fee  $29 
Transaction Fees  
 � Balance Transfer  � Cash Advance  
� Foreign 
Transaction   
 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.  
Penalty Fees  
 � Late Payment  � Over-the Credit Limit  
� Returned 
Payment   
 Up to $40.   None   Up to $40.  APR is determined by adding a margin to the Prime Rate. The margin for  the APR for Purchases and Balance Transfers is 1 5.74% 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 ins titutions 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 t hat will allow us to identify you. We may also ask to see your driver's license or other identi fying 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 customer s, and 
that credit reporting agencies maintain separate credit histories on each individual upon requ est. 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 ter ms 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 April 30, 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, an d 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 12.99% to 18.99% , 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 12.99% to 18.99%, based on your creditworthiness. This APR 
will vary with the market based on the Prime Rate.*  
APR for Cash 
Advances 21.99% 
 
This APR will vary with the market based on the Prime Rate.*  
How to Avoid 
Paying Interest on 
Purchases  Your due date is at least 2 3 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.   
Minimum Interest 
Charge  If you are charged interest, the charge will be no less than $1.00.  
For Credit Card 
Tips from the Consumer Financial 
Protection Bureau  To learn mo re about factor s 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 . 
 
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 .  Fees  
Annual Fee  None  
Transaction Fees  
 � Balance Transfer  � Cash Advance  
� Foreign 
Transaction   
 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.  
Penalty Fees  
 � Late Payment  � Over-the Credit Limit  
� Returned 
Payment   
 Up to $40.   None   Up to $40.  Loss of the Employee Rate: If you are eligible for the Employee Rate Program, you will receive an  12.99% 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 3.25% 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 t hat 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 customer s, 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 furt her 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 April 30, 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 12.99% to 18.99% , 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 12.99% to 18.99%, based on your creditworthiness. This APR 
will vary with the market based on the Prime Rate.*  
APR for Cash 
Advances 21.99% 
 
This APR will vary with the market based on the Prime Rate.*  
How to Avoid 
Paying Interest on 
Purchases  Your due date is at least 2 3 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.   
Minimum Interest 
Charge  If you are charged interest, the charge will be no less than $1.00.  
For Credit Card 
Tips from the Consumer Financial 
Protection Bureau  To learn mo re about factor s 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 . 
 
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 .  Fees  
Annual Fee  None  
Transaction Fees  
 � Balance Transfer  � Cash Advance  
� Foreign 
Transaction   
 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.  
Penalty Fees  
 � Late Payment  � Over-the Credit Limit  
� Returned 
Payment   
 Up to $40.   None   Up to $40.  Loss of the Employee Rate: If you are eligible for the Employee Rate Program, you will receive a 12.99% 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 3.25% 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 t hat 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 customer s, 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 detail s.   
World Mastercard� Credit Card 
 Information on this disclosure was accurate as of April 30, 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 9.99% to 15.99%, 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  9.99% to 15.99%, based on your creditworthiness.  
 
This APR will vary with the market based on the Prime Rate.*  
APR for Cash 
Advances 21.99% 
 
This APR will vary with the market based on the Prime Rate.*  
How to Avoid 
Paying Interest on 
Purchases  Your due date is at least 2 3 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.   
Minimum Interest 
Charge  If you are charged interest, the charge will be no less than $1.00.  
For Credit Card 
Tips from the Consumer Financial 
Protection Bureau  To learn more about factor s 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 . 
 
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 3.25% Prime Rate. For each billing period, the Fees  
Annual Fee  None  
Transaction Fees  
 � Balance Transfer  � Cash Advance  
� Foreign 
Transaction   
 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.  
Penalty Fees  
 � Late Payment  � Over-the Credit Limit  
� Returned 
Payment   
 Up to $40.   None   Up to $40.  APR is determined by adding a margin to the Prime Rate. The margin for the APR for Purchases and Balance Transfers is 6 .74% to 12.74%, based on your creditworthiness and for Cash Advances is 18.74%.  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 inf ormation 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 customer s, 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 April 30, 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 9.99% to 19.99%, 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  9.99% to 19.99%, based on your creditworthiness.  
 
This APR will vary with the market based on the Prime Rate.*  
APR for Cash 
Advances 21.99% 
 
This APR will vary with the market based on the Prime Rate.*  
How to Avoid 
Paying Interest on 
Purchases  Your due date is at least 2 3 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.   
Minimum Interest 
Charge  If you are charged interest, the charge will be no less than $1.00.  
For Credit Card 
Tips from the Consumer Financial 
Protection Bureau  To learn mo re about factor s 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 . 
 
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 3.25% Prime Rate. For each billing period, the Fees  
Annual Fee  None  
Transaction Fees  
 � Balance Transfer  � Cash Advance  
� Foreign 
Transaction   
 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.  
Penalty Fees  
 � Late Payment  � Over-the Credit Limit  
� Returned 
Payment   
 Up to $40.   None   Up to $40.  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 t hat 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 customer s, and 
that credit reporting agencies maintain separate credit histories on each individual upon requ est. 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.