IMPORTANT DISCLOSURES
Consumer Rewards Platinum

This program is issued and administered by TCM Bank, N.A.
Information on this disclosure was accurate as of February 1, 2016. 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.

  Interest Rates and Interest Charges:

Annual Percentage Rate  
(APR) for Purchases:   

10.24% to 18.24%, based on your creditworthiness. 
Your APR will vary with the market based on 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:

0% Introductory APR applies for the first six billing cycles from date of account opening. 
When the Introductory Period ends, the standard APR is 10.24% to 18.24%, based on your 
creditworthiness. Your APR will vary with the market based on Prime Rate.*
22.24%. Your APR will vary with the market based on Prime Rate.*
Your due date is at least 23 days after the close of each billing cycle.  You will not be charged interest on 
purchases and balance transfers if you pay your entire balance by the due date each month.  You will be 
charged interest on cash advances from the transaction date, or the first day of the billing cycle in which it 
is posted to your account, whichever is later.
If you are charged interest, the charge will be no less than $1.00.

To learn more about factors to consider when applying for or using a credit card, visit the website of the 
Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees:
Annual Fee: 

Transaction Fees:
Balance Transfer: 
Cash Advance: 
Foreign Transaction: 

Penalty Fees:
Late Payment:   
Returned Payment: 

Over Limit Fee: 

           None.

3% of each balance transferred. Waived for balance transfers at time of account opening.  
Either $5 or 3% of each cash advance, whichever is greater.  
If the merchant is outside of the U.S., the fee is: 

a) 1% of the U.S. dollar amount of the transaction, if converted from a foreign currency, 
b) 0.8% of the U.S. dollar amount of the transaction, if made in U.S. dollars.

Up to $35.
Up to $35.

None. 

Loss of the Introductory APR for Balance Transfers: If you make a late payment, or make a payment that is returned unpaid, we may end 

your Introductory APR for Balance Transfers and apply the standard Balance Transfer APR.

How Will We Calculate Your Balance: We use a method called “Average Daily Balance (including new transactions).” An explanation will 
be provided in your Cardholder Agreement.  

Loss of the Employee Rate: If you are eligible for the Employee Rate Program, you will receive a 10.24% variable APR.  In the event you 
no longer meet the criteria, your APR will be a variable rate between 10.24% and 18.24% based on your creditworthiness.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Agreement.

*The Prime Rate used to determine your APR for a billing period is the U.S. Prime Rate published in the Wall Street Journal on the 1st day (or if 
the 1st day is not a business day, the preceding business day) of the prior month. Your APR will increase if the Prime Rate increases. 
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 14.74%, based on your creditworthiness and for Cash Advances is 18.74%.

 
 
 
IMPORTANT DISCLOSURES
Consumer Platinum Edition

This program is issued and administered by TCM Bank, N.A.
Information on this disclosure was accurate as of February 1, 2016. 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.

  Interest Rates and Interest Charges:

Annual Percentage Rate  
(APR) for Purchases:   

9.24% to 17.24%, based on your creditworthiness. 
Your APR will vary with the market based on 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:

0% Introductory APR applies for the first six billing cycles from date of account opening. 
When the Introductory Period ends, the standard APR is 9.24% to 17.24%, based on your creditworthiness. 
Your APR will vary with the market based on Prime Rate.*
22.24%. Your APR will vary with the market based on Prime Rate.*
Your due date is at least 23 days after the close of each billing cycle.  You will not be charged interest on 
purchases and balance transfers if you pay your entire balance by the due date each month.  You will be 
charged interest on cash advances from the transaction date, or the first day of the billing cycle in which it 
is posted to your account, whichever is later.
If you are charged interest, the charge will be no less than $1.00.

To learn more about factors to consider when applying for or using a credit card, visit the website of the 
Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees:
Annual Fee: 

Transaction Fees:
Balance Transfer: 
Cash Advance: 
Foreign Transaction: 

Penalty Fees:
Late Payment:   
Returned Payment: 

Over Limit Fee: 

           None.

3% of each balance transferred. Waived for balance transfers at time of account opening.  
Either $5 or 3% of each cash advance, whichever is greater.  
If the merchant is outside of the U.S., the fee is: 

a) 1% of the U.S. dollar amount of the transaction, if converted from a foreign currency, 
b) 0.8% of the U.S. dollar amount of the transaction, if made in U.S. dollars.

Up to $35.
Up to $35.

None. 

Loss of the Introductory APR for Balance Transfers: If you make a late payment, or make a payment that is returned unpaid, we may end 

your Introductory APR for Balance Transfers and apply the standard Balance Transfer APR.

How Will We Calculate Your Balance: We use a method called “Average Daily Balance (including new transactions).” An explanation will 
be provided in your Cardholder Agreement.  

Loss of the Employee Rate: If you are eligible for the Employee Rate Program, you will receive a 9.24% variable APR.  In the event you no 
longer meet the criteria, your APR will be a variable rate between 9.24% and 17.24% based on your creditworthiness.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Agreement.

*The Prime Rate used to determine your APR for a billing period is the U.S. Prime Rate published in the Wall Street Journal on the 1st day (or if 
the 1st day is not a business day, the preceding business day) of the prior month. Your APR will increase if the Prime Rate increases. 
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 13.74%, based on your creditworthiness and for Cash Advances is 18.74%.

 
 
 
IMPORTANT DISCLOSURES
Consumer Cash Rewards Platinum

This program is issued and administered by TCM Bank, N.A.
Information on this disclosure was accurate as of February 1, 2016. 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.

  Interest Rates and Interest Charges:

Annual Percentage Rate  
(APR) for Purchases:   

13.24% to 21.24%, based on your creditworthiness. 
Your APR will vary with the market based on Prime Rate.*

APR for Balance Transfers: 

APR for Cash Advances:

How to Avoid Paying  
Interest on Purchases:

Minimum Interest Charge:    
For Credit Card Tips from the 
Consumer Financial Protection 
Bureau:

0% Introductory APR applies for the first six billing cycles from date of account opening. 
When the Introductory Period ends, the standard APR is 13.24% to 21.24%, based on your 
creditworthiness. Your APR will vary with the market based on Prime Rate.*
22.24%. Your APR will vary with the market based on Prime Rate.*
Your due date is at least 23 days after the close of each billing cycle.  You will not be charged interest on 
purchases and balance transfers if you pay your entire balance by the due date each month.  You will be 
charged interest on cash advances from the transaction date, or the first day of the billing cycle in which it 
is posted to your account, whichever is later.
If you are charged interest, the charge will be no less than $1.00.

To learn more about factors to consider when applying for or using a credit card, visit the website of the 
Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees:
Annual Fee: 

Transaction Fees:
Balance Transfer: 
Cash Advance: 
Foreign Transaction: 

Penalty Fees:
Late Payment:   
Returned Payment: 

Over Limit Fee: 

           None.

3% of each balance transferred. Waived for balance transfers at time of account opening.  
Either $5 or 3% of each cash advance, whichever is greater.  
If the merchant is outside of the U.S., the fee is: 

a) 1% of the U.S. dollar amount of the transaction, if converted from a foreign currency, 
b) 0.8% of the U.S. dollar amount of the transaction, if made in U.S. dollars.

Up to $35.
Up to $35.

None. 

Loss of the Introductory APR for Balance Transfers: If you make a late payment, or make a payment that is returned unpaid, we may end 

your Introductory APR for Balance Transfers and apply the standard Balance Transfer APR.

How Will We Calculate Your Balance: We use a method called “Average Daily Balance (including new transactions).” An explanation will 
be provided in your Cardholder Agreement.  

Loss of the Employee Rate: If you are eligible for the Employee Rate Program, you will receive a 13.24% variable APR.  In the event you 
no longer meet the criteria, your APR will be a variable rate between 13.24% and 21.24% based on your creditworthiness.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Agreement.

*The Prime Rate used to determine your APR for a billing period is the U.S. Prime Rate published in the Wall Street Journal on the 1st day (or if 
the 1st day is not a business day, the preceding business day) of the prior month. Your APR will increase if the Prime Rate increases. 
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 17.74%, based on your creditworthiness and for Cash Advances is 18.74%.