Rewards Platinum Credit Card 

This card will be issued and administered by TCM Bank, N.A.  Information on this disclosure was accurate as of  
December  1,  2019.    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, the standard APR will be 11.49% to 21.49%, based on 
creditworthiness. This 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 

Fees 
Annual Fee 
Transaction Fees: 
Balance Transfer 
Cash Advance 
Foreign Transaction 

0% Introductory APR applies for twelve billing cycles from date of account 
opening. 
After that, the standard APR will be 11.49% to 21.49%, based on your 
creditworthiness.  This APR will vary with the market based on Prime Rate.* 
23.49%.  This 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.  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. 
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) 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 $39. 
None. 
Up to $39. 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new purchases).” 
An explanation will be provided in your Cardholder Agreement. 

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 standard Purchase and Balance Transfer APR. 

 
 
 
 
 
 
 
 
 
Loss of the Employee Rate: If you are eligible for the Employee Rate Program, you will receive an 11.49% variable 
APR.  In the event your current employment ends, we will apply the standard APR then in effect, 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 (for example, if your 
statement closed on March 15, we would use the Prime Rate in effect on February 28 for your current statement period 
that covers February 16 to March 15 period). APRs shown here are based on the 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:    You  agree  that  we  may  obtain  and  use  consumer  credit  reports  and  exchange  credit  information  in 
connection  with  this  offer  and  any  update, renewal or  extension of  credit we  may  extend to  you.  Complete  details 
regarding our rights to share information will be provided to you after an account is established.  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 approval, each applicant shall have the right to use this account to the extent of the credit limit set by 
the  creditor  and  each  applicant  may  be  liable  for  the  amount  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 at 1-800-342-3736 to obtain a comparative listing of credit card rates, fees and grace periods. 
Ohio  Residents:  The  Ohio  laws  against  discrimination  require  that  all  creditors  make  credit  equally  available  to  all 
creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon 
request.  The Ohio Civil Rights Commission administers compliance with this law.  Married Wisconsin Residents:  Your 
signature confirms that this loan obligation is being incurred in the interest of your marriage or family. No provision of any 
marital property agreement, unilateral statement or court decree adversely affects a 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. 

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 

This card will be issued and administered by TCM Bank, N.A. Information on this disclosure was accurate as of  
December 1, 2019. 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 

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 

0% Introductory APR applies for twelve billing cycles from date of account 
opening.  
After that, the standard APR will be 14.49% to 24.49%, based on 
your creditworthiness. This APR will vary with the market based on Prime 
Rate.* 
0% Introductory APR applies for twelve billing cycles from date of account 
opening. 
After that, the standard APR will be 14.49% to 24.49%, based on your 
creditworthiness.  This APR will vary with the market based on Prime Rate.* 
23.49% to 26.49%.  This 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.  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. 
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) 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 $39. 
None. 
Up to $39. 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new purchases).” 
An explanation will be provided in your Cardholder Agreement. 

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 standard Purchase and Balance Transfer APR. 

 
 
 
 
 
 
 
Loss of the Employee Rate: If you are eligible for the Employee Rate Program, you will receive a 14.49% variable 
APR.  In the event your current employment ends, we will apply the standard APR then in effect, 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 (for example, if your 
statement closed on March 15, we would use the Prime Rate in effect on February 28 for your current statement period 
that covers February 16 – March 15 period). APRs shown here are based on the 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% - 21.74%. 

NOTICE:    You  agree  that  we  may  obtain  and  use  consumer  credit  reports  and  exchange  credit  information  in 
connection  with  this  offer  and  any  update, renewal or  extension of  credit we  may  extend to  you.  Complete  details 
regarding our rights to share information will be provided to you after an account is established.  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 approval, each applicant shall have the right to use this account to the extent of the credit limit set by 
the  creditor  and  each  applicant  may  be  liable  for  the  amount  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 at 1-800-342-3736 to obtain a comparative listing of credit card rates, fees and grace periods. 
Ohio  Residents:  The  Ohio  laws  against  discrimination  require  that  all  creditors  make  credit  equally  available  to  all 
creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon 
request.  The Ohio Civil Rights Commission administers compliance with this law.  Married Wisconsin Residents:  Your 
signature confirms that this loan obligation is being incurred in the interest of your marriage or family. No provision of any 
marital property agreement, unilateral statement or court decree adversely affects a 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. 

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 

This will be issued and administered by TCM Bank, N.A.  Information on this disclosure was accurate as of  
December  1,  2019.    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 

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 

0% Introductory APR applies for twelve billing cycles from date of account 
opening.  
After that, the standard APR will be 10.49% to 20.49%, based on 
your creditworthiness. This APR will vary with the market based on Prime 
Rate.* 
0% Introductory APR applies for twelve billing cycles from date of account 
opening. 
After that, the standard APR will be 10.49% to 20.49%, based on your 
creditworthiness.  This APR will vary with the market based on Prime Rate.* 
23.49%.  This 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.  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. 
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) 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 $39. 
None. 
Up to $39. 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new purchases).” 
An explanation will be provided in your Cardholder Agreement. 

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 standard Purchase and Balance Transfer APR. 

 
 
 
 
 
 
 
 
Loss of the Employee Rate: If you are eligible for the Employee Rate Program, you will receive a 10.49% variable 
APR.  In the event your current employment ends, we will apply the standard APR then in effect, 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 (for example, if your 
statement closed on March 15, we would use the Prime Rate in effect on February 28 for your current statement period 
that covers February 16 – March 15 period). APRs shown here are based on the 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:    You  agree  that  we  may  obtain  and  use  consumer  credit  reports  and  exchange  credit  information  in 
connection  with  this  offer  and  any  update, renewal or  extension of  credit we  may  extend to  you.  Complete  details 
regarding our rights to share information will be provided to you after an account is established.  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 approval, each applicant shall have the right to use this account to the extent of the credit limit set by 
the  creditor  and  each  applicant  may  be  liable  for  the  amount  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 at 1-800-342-3736 to obtain a comparative listing of credit card rates, fees and grace periods. 
Ohio  Residents:  The  Ohio  laws  against  discrimination  require  that  all  creditors  make  credit  equally  available  to  all 
creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon 
request.  The Ohio Civil Rights Commission administers compliance with this law.  Married Wisconsin Residents:  Your 
signature confirms that this loan obligation is being incurred in the interest of your marriage or family. No provision of any 
marital property agreement, unilateral statement or court decree adversely affects a 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. 

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. 

 
 
 
 
 
 
 
 
Visa® Signature Travel Credit Card 

This card will be issued and administered by TCM Bank, N.A.  Information on this disclosure was accurate as of  
December  1,  2019.    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, the standard APR will be 14.49% to 20.49%, based on 
your creditworthiness. The 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 

Fees 
Annual Fee 
Transaction Fees: 
Balance Transfer 
Cash Advance 
Foreign Transaction 

0% Introductory APR applies for twelve billing cycles from date of account 
opening. 
After that, the standard APR will be 14.49% to 20.49%, based on your 
creditworthiness. The APR will vary with the market based on Prime Rate.* 
23.49%. The 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 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. 
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) 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 $39. 
None. 
Up to $39. 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new purchases).” 
An explanation will be provided in your Cardholder Agreement. 

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 standard Purchase and Balance Transfer APR. 

 
 
 
 
 
 
 
 
 
Loss of the Employee Rate: If you are eligible for the Employee Rate Program, you will receive a 14.49% variable 
APR.  In the event your current employment ends, we will apply the standard APR then in effect, 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. 

*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 (for example, if your 
statement closed on March 15, we would use the Prime Rate in effect on February 28 for your current statement period 
that covers February 16 – March 15 period). APRs shown here are based on the 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: You agree that we may obtain and use consumer credit reports and exchange credit information in connection 
with this offer  and any update, renewal or extension of credit we may extend to you. Complete details regarding our 
rights to share information will be provided to you after an account is established.  You agree that we will consider this 
an Application  for  a Visa® 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 approval, each applicant shall have the right to use this account to the extent of the credit limit set by 
the  creditor  and  each  applicant  may  be  liable  for  the  amount  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 at 1-800-342-3736 to obtain a comparative listing of credit card rates, fees and grace periods. 
Ohio  Residents:  The  Ohio  laws  against  discrimination  require  that  all  creditors  make  credit  equally  available  to  all 
creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon 
request.  The Ohio Civil Rights Commission administers compliance with this law.  Married Wisconsin Residents:  Your 
signature confirms that this loan obligation is being incurred in the interest of your marriage or family. No provision of any 
marital property agreement, unilateral statement or court decree adversely affects a 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. 

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. 
3 Lost 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. 
4 Visa Signature Concierge. Cardholders are responsible for the cost of any goods or services purchased by the Visa 
Signature Concierge on cardholders’ behalf.  

 
Secured Platinum Credit Card 

This card will be issued and administered by TCM Bank, N.A.  Information on this disclosure was accurate as of  
December  1,  2019.    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 

20.49%, based on your creditworthiness. This APR will vary with the 
market based on Prime Rate.* 

APR for Balance 
Transfers 
APR for Cash 
Advances 
How to Avoid 
Paying Interest 

Minimum Interest 
Charge 
For Credit Card 
Tips from the 
Consumer 
Financial 
Protection Bureau 

Fees 
Annual Fee 
Transaction Fees: 
Balance Transfer 
Cash Advance 
Foreign Transaction 

20.49%, based on your creditworthiness.  This APR will vary with the market 
based on Prime Rate.* 
23.49%.  This 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.  We will 
not charge any interest on purchases and balance transfers 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. 

$29 

Either $5 or 3% of each balance transferred, whichever is greater. 
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) 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 $39. 
None. 
Up to $39. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights will be provided in 
your Cardholder Agreement. 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new purchases).” 
An explanation 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 (for example, if your 
statement closed on March 15, we would use the Prime Rate in effect on February 28 for your current statement period 
that covers February 16 – March 15 period). APRs shown here are based on the 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 15.74%, based on your creditworthiness and for Cash Advances is 18.74%. 

NOTICE:    You  agree  that  we  may  obtain  and  use  consumer  credit  reports  and  exchange  credit  information  in 
connection  with  this  offer  and  any  update, renewal or  extension of  credit we  may  extend to  you.  Complete  details 
regarding our rights to share information will be provided to you after an account is established.  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 approval, each applicant shall have the right to use this account to the extent of the credit limit set by 
the  creditor  and  each  applicant  may  be  liable  for  the  amount  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 at 1-800-342-3736 to obtain a comparative listing of credit card rates, fees and grace periods. 
Ohio  Residents:  The  Ohio  laws  against  discrimination  require  that  all  creditors  make  credit  equally  available  to  all 
creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon 
request.  The Ohio Civil Rights Commission administers compliance with this law.  Married Wisconsin Residents:  Your 
signature confirms that this loan obligation is being incurred in the interest of your marriage or family. No provision of any 
marital property agreement, unilateral statement or court decree adversely affects a 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. 

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. 

World Mastercard® Credit Card 

This card will be issued and administered by TCM Bank, N.A.  Information on this disclosure was accurate as of  
December  1,  2019.    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 

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 

0% Introductory APR applies for twelve billing cycles from date of account 
opening.  
After that, the standard APR will be 14.49% to 20.49%, based on 
your creditworthiness. The APR will vary with the market based on Prime 
Rate.* 
0% Introductory APR applies for twelve billing cycles from date of account 
opening. 
After that, the standard APR will be 14.49% to 20.49%, based on your 
creditworthiness. This APR will vary with the market based on Prime Rate.* 
23.49%.  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. 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. 
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) 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 $39. 
None. 
Up to $39. 

How We Will 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  Introductory APR:  If you make a late payment  we may end  your Introductory APR for Purchases and 
Balance Transfers and apply the standard Purchase and Balance Transfer APR. 

 
 
 
 
 
 
 
 
Loss of the Employee Rate: If you are eligible for the Employee Rate Program, you will receive a 14.49% variable 
APR.  In the event your current employment ends, we will apply the standard APR then in effect, 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 (for example, if your 
statement closed on March 15, we would use the Prime Rate in effect on February 28 for your current statement period 
that covers February 16 – March 15 period). APRs shown here are based on the 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:    You  agree  that  we  may  obtain  and  use  consumer  credit  reports  and  exchange  credit  information  in 
connection  with  this  offer  and  any  update, renewal or  extension of  credit we  may  extend to  you.  Complete  details 
regarding our rights to share information will be provided to you after an account is established.  You agree that we will 
consider this an Application for a 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 approval, each applicant shall have the right to use this account to the extent of the credit limit set by 
the  creditor  and  each  applicant  may  be  liable  for  the  amount  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 at 1-800-342-3736 to obtain a comparative listing of credit card rates, fees and grace periods. 
Ohio  Residents:  The  Ohio  laws  against  discrimination  require  that  all  creditors  make  credit  equally  available  to  all 
creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon 
request.  The Ohio Civil Rights Commission administers compliance with this law.  Married Wisconsin Residents:  Your 
signature confirms that this loan obligation is being incurred in the interest of your marriage or family. No provision of any 
marital property agreement, unilateral statement or court decree adversely affects a 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. 

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 

This card will be issued and administered by TCM Bank, N.A.  Information on this disclosure was accurate as of  
December  1,  2019.    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 
creditworthiness. This 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 

Fees 
Annual Fee 
Transaction Fees: 
Balance Transfer 
Cash Advance 
Foreign Transaction 

The standard APR will be 11.49% to 21.49%, based on your creditworthiness.  
This APR will vary with the market based on Prime Rate.* 
23.49%.  This 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.  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. 
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) 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 $39. 
None. 
Up to $39. 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new purchases).” 
An explanation will be provided in your Cardholder Agreement. 

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 (for example, if your 

 
 
 
 
 
 
 
 
 
statement closed on March 15, we would use the Prime Rate in effect on February 28 for your current statement period 
that covers February 16 to March 15 period). APRs shown here are based on the 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:    You  agree  that  we  may  obtain  and  use  consumer  credit  reports  and  exchange  credit  information  in 
connection  with  this  offer  and  any  update, renewal or  extension of  credit we  may  extend to  you.  Complete  details 
regarding our rights to share information will be provided to you after an account is established.  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 approval, each applicant shall have the right to use this account to the extent of the credit limit set by 
the  creditor  and  each  applicant  may  be  liable  for  the  amount  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 at 1-800-342-3736 to obtain a comparative listing of credit card rates, fees and grace periods. 
Ohio  Residents:  The  Ohio  laws  against  discrimination  require  that  all  creditors  make  credit  equally  available  to  all 
creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon 
request.  The Ohio Civil Rights Commission administers compliance with this law.  Married Wisconsin Residents:  Your 
signature confirms that this loan obligation is being incurred in the interest of your marriage or family. No provision of any 
marital property agreement, unilateral statement or court decree adversely affects a 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. 

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® Credit Card 

This card will be issued and administered by TCM Bank, N.A.  Information on this disclosure was accurate as of  
December  1,  2019.    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 17.49%, based on your 
creditworthiness. The 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 

Fees 
Annual Fee 
Transaction Fees: 
Balance Transfer 
Cash Advance 
Foreign Transaction 

The standard APR will be 11.49% to 17.49%, based on your creditworthiness. 
This APR will vary with the market based on Prime Rate.* 
23.49%.  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. 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. 
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) 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 $39. 
None. 
Up to $39. 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new transactions).” 
An explanation will be provided in your Cardholder Agreement. 

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 (for example, if your 

 
 
 
 
 
 
 
 
 
statement closed on March 15, we would use the Prime Rate in effect on February 28 for your current statement period 
that covers February 16 – March 15 period). APRs shown here are based on the 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 12.74%, based on your creditworthiness and for Cash Advances is 18.74%. 

NOTICE:    You  agree  that  we  may  obtain  and  use  consumer  credit  reports  and  exchange  credit  information  in 
connection  with  this  offer  and  any  update, renewal or  extension of  credit we  may  extend to  you.  Complete  details 
regarding our rights to share information will be provided to you after an account is established.  You agree that we will 
consider this an Application for a 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 approval, each applicant shall have the right to use this account to the extent of the credit limit set by 
the  creditor  and  each  applicant  may  be  liable  for  the  amount  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 at 1-800-342-3736 to obtain a comparative listing of credit card rates, fees and grace periods. 
Ohio  Residents:  The  Ohio  laws  against  discrimination  require  that  all  creditors  make  credit  equally  available  to  all 
creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon 
request.  The Ohio Civil Rights Commission administers compliance with this law.  Married Wisconsin Residents:  Your 
signature confirms that this loan obligation is being incurred in the interest of your marriage or family. No provision of any 
marital property agreement, unilateral statement or court decree adversely affects a 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. 

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.