P.O. Box 123
Annapolis Junction, MD 20701-0123
301-497-7000   •   800-787-8328
towerfcu.org

APPLICATION AND SOLICITATION DISCLOSURE

The following disclosure represents important details concerning your credit card. The information about costs of the card are
accurate as of ______________________ . You can contact us toll free at (800) 787-8328 or the address above to inquire if
any changes occurred since the effective date.

IMPORTANT CREDIT CARD DISCLOSURES

INTEREST RATES and INTEREST CHARGES:

Annual Percentage Rate (APR)
for Purchases

APR for Cash Advances

APR for Balance Transfers*

Paying Interest

GOLD MASTERCARD

STANDARD MASTERCARD STUDENT MASTERCARD

10.90%

10.90%

10.90%

10.90%

10.90%

10.90%

0.00% Introductory APR
until 12/31/2017 for any
transfer(s) completed
between 1/3/2017 and
2/28/2017. After that, for
any transfer(s) made after
2/28/2017, your Standard
APR will be 10.90%.

0.00% Introductory APR
until 12/31/2017 for any
transfer(s) completed
between 1/3/2017 and
2/28/2017. After that, for
any transfer(s) made after
2/28/2017, your Standard
APR will be 10.90%.

0.00% Introductory APR
until 12/31/2017 for any
transfer(s) completed
between 1/3/2017 and
2/28/2017. After that, for
any transfer(s) made after
2/28/2017, your Standard
APR will be 10.90%.

Your due date is at least 25 days after we mail your billing statement. We will not
charge you interest on purchases if you pay your entire new purchase balance by the
due date each month. We will begin charging interest on cash advances and balance
transfers on the date the cash advance or balance transfer is posted to your account.

Minimum Interest Charge

None

For Credit Card Tips from the
Consumer Financial
Protection Bureau

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:

Fees to Open or Maintain your
Account

- Annual Fee:
- Application Fee:

Transaction Fees

None
None

- Balance Transfer:
- Cash Advance (ATM):
- Cash Advance (Over-the-Counter):
- Foreign Transaction:

___% of the amount of each transfer
$0.75 per cash advance
None
1.10% of each transaction in U.S. dollars if the transaction involves a currency
conversion

Penalty Fees

- Late Payment:
- Over-the-Credit Limit:
- Returned Payment:

Up to $20.00 if your payment is late 14 days or more.
Up to $10.00 if you exceed your credit limit.
None

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a
late payment.

Other Fees: In addition to the fees disclosed above, the following fees may be imposed:

Statement Copy Fee:
Sales Draft Copy Fee:
Card Replacement Fee:

per page up to a maximum of

per statement month.

*Balance  Transfer  Promotion. The  Balance  Transfer  Introductory  APR  as  disclosed  above  will  apply  to  balance  transfers
posted to your account during the period beginning ___________________ and ending ___________________ .
9009 LASER FPDF FI19186 Rev 12-2016

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

GOLD MASTERCARD/STANDARD MASTERCARDJanuary 3, 20173$2.00$5.00$3.00$5.00January 3, 2017February 28, 2017