Interest Rates and Interest Charges:

Annual Percentage Rate  
(APR) for Purchases:   

9.99% to 15.99%, based on your creditworthiness. 
Your APR will vary with the market based on Prime Rate.*

TCM Bank, N.A.

APR for Balance Transfers: 

APR for Cash Advances:

Penalty APR and 
When It Applies:

How to Avoid Paying 
Interest on Purchases:

Minimum Interest Charge:    

For Credit Card Tips from the 
Federal Reserve Board:

Fees:
Annual Fee:

Transaction Fees:
Balance Transfer: 
Cash Advance: 
Foreign Transaction: 

Penalty Fees:
Late Payment:   
Returned Payment: 

OverLimit Fee: 

0% Introductory APR applies for the first six billing cycles after account opening. 
When the Introductory Period ends, the APR is 9.99% to 15.99%, based on your creditworthiness. 
Your APR will vary with the market based on Prime Rate.*
21.99%. Your APR will vary with the market based on Prime Rate.*
24.99%.  This APR may be applied to your account if you: 
   a) make a late payment, 
   b) make a payment that is returned unpaid, 
   c) go over your credit limit.  
Your APR will vary with the market based on Prime Rate.*
How Long Will the Penalty APR Apply?  If your APRs are increased for any of these reasons, the 
Penalty APR may apply indefinitely to future transactions. If we do not receive any minimum payment 
within 60 days of the due date, the Penalty APR will apply to all outstanding balances and future 
transactions on your Account. However, if we receive six consecutive minimum payments when due, 
beginning with the first payment due after the increase, the Penalty APR will stop being applied to 
outstanding balances and future transactions, effective with the next minimum payment due.
Your due date is at least 25 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.
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 Federal reserve Board at http://www.federalreserve.gov/creditcard.

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. 

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 Introductory APR for Balance Transfers: If you make a late payment, or make a payment that is returned, we may end your 
Introductory APR for Balance Transfers and apply the Penalty APR.

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 12.74%, based on your creditworthiness; for Cash Advances is 18.74%; and for Penalty Pricing is 21.74%.

1

 
 
TCM Bank, N.A. Cardholder Agreement 
Effective:  January 1, 2011

This Cardholder Agreement (“Agreement”), the card carrier we send with your credit card, the accompanying sheet entitled 
“Supplemental Pricing Disclosure”  and the application you signed or otherwise submitted (collectively, the “Cardholder Docu-
ments”) govern the use of your TCM Bank, N.A. VISA or MasterCard credit card (“Card”) account (your “Account”). All of the 
Cardholder Documents are part of and are incorporated into this Agreement. By signing (including by any electronic or digital 
signature) your Card, your Account application, any accepted sales slip, or any other document in connection with the use of your 
Card or your Account, or by using your Card or allowing someone else to use it, you agree to the terms and conditions of this 
Agreement.  Please read this Agreement thoroughly and retain a copy for your records. As used in this Agreement: we, us, our, 
and similar terms mean TCM Bank, N.A., and all of its respective parents, wholly or majority owned subsidiaries, affiliates, pre-
decessors, successors, assigns, employees, officers, and directors (collectively, “TCM”). The words you, yours, and Cardholder  
mean all persons responsible for complying with this Agreement, including the applicant and any co-applicant who applied to 
open the Account and the person to whom we address Account statements. Since you asked us to open the Account, you are the 
“Primary Cardholder,” and you will have an Account with us. You may request that we issue a Card to another person and, if we 
do, that person will be called an “Additional Cardholder” on your Account and the Card will be an “Additional Card.”
This Agreement is governed by federal law and, to the extent not preempted by federal law, by Florida law. 
Use of the Card. You may use the Card to obtain legal goods and services from any person or establishment accepting the Card 
(“Purchase(s)”), to obtain loans (“Cash Advance(s)”) from us up to the applicable limits on your Account and to take advantage 
of other features of the Card. As used in this Agreement, the term “Purchases” will include Purchases and Balance Transfers, and 
the term “Cash Advances” will include; a) Cash Advances, b) Convenience Checks, c) obtaining funds through an automated 
teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, 
or stored value load, or e) engaging in another similar transaction. As used in this Agreement, all amounts charged to an Account, 
which include Purchases, Cash Advances, the Annual Card fee, if any, or other fees, and any Finance Charges imposed under 
Agreement, will be called “Charges”. Charges include (but are not limited to) any Purchase, Balance Transfer, Cash Advance or 
Convenience Check in which you have evidenced intent to incur a Charge, regardless of whether you have signed a charge form. 
You are responsible for paying all amounts charged to the Account by either you or any Additional Cardholders. You agree to 
notify us at once if the Card or any Convenience Checks we may issue on your Account are lost or stolen, or if you suspect they 
are being used without your permission. You agree to use the Account only for legal purchases of goods and services. Cards 
may not be used for gambling purposes, whether online or otherwise. If you do use your Card for illegal purposes or gambling, 
you will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges 
relating to such transactions and all other transactions on your Account.  You should not use the Card after the expiration date. 
If you want to cancel your Account or any Additional Cards, you must contact us and destroy the Card or any Additional Cards. 
We reserve the right to deny authorization for any requested Charge.
Additional Cards: You, as the Primary Cardholder, are responsible for all Charges on your Account. Any Additional Card may 
be canceled by you or by us. You agree to make sure that any Additional Cards issued on your Account are used in a manner 
consistent with this Agreement. You also authorize us to discuss your Account with Additional Cardholders in the course of 
maintaining your Account. We may, in our sole discretion, pursue Additional Cardholders for payment of their own charges if 
you fail to pay those charges. 
Credit Limit: We have provided you a separate written notice stating the credit limit for Purchases on your account.  In addition, 
your monthly statements will show the amount of credit available to you for Purchases and for Cash Advances and the APRs for 
Purchases and for Cash Advances, as of the statement date. You agree not to use the Account in any way that would make the 
unpaid balance of your Account exceed the applicable limit. We will not honor any Card transaction that would cause the unpaid 
balance of your Account to exceed applicable limits (“Over Limit Transactions”). If we, in our discretion, honor any Over Limit 
Transaction, you agree to pay us promptly the amount that is in excess of the applicable limit. At our discretion, and subject to 
applicable law, we may increase, reduce, or cancel your credit line or the balance transfer portion or cash advance portion of your 
credit line, at any time. A change to your credit line does not affect your obligation to pay us.
Promotional Offers:  At our discretion, we may offer you a promotional ANNUAL PERCENTAGE RATE for all or a part of 
any balances or for certain types of transactions. The period of time for which the promotional rate applies may be limited. Any 
applicable promotional rate, the corresponding periodic rates, and the period of time during which it will be in effect will appear 
on the Supplemental Pricing Disclosure or be included on a promotional letter. Any promotional rate offer will be subject to the 
terms of the offer and this Agreement. 
Renewal of Cards and Cancellation: The Card will be valid within the period embossed on the Card. We will issue you renewal 
or replacement Cards before the current Card expires unless your Account is cancelled by you or by us. 
Liability for Charges and Finance Charges: You may use the Card to obtain Purchase(s) and Cash Advance(s) from us up 
to the applicable limits on your Account. You are liable to us for all Charges you make and all Charges made by holders of any 
Cards and Additional Cards issued to you. Additional Cardholders using a Primary Cardholder’s Account are not liable for obli-
gations incurred by the Primary Cardholder or by other Additional Cardholders.  However, by each use of the Additional Card, 

1

the Additional Cardholder will be indicating his or her agreement to pay us for that transaction and related Charges if you fail or 
refuse to pay that obligation. 
Payments: Each month’s minimum payment for your Account is due by the Payment Due Date on your monthly statement. 
You must notify us immediately of any change in your billing address. You must pay us in U.S. currency, with a draft or a check 
drawn on a U.S. bank and payable in U.S. dollars, with a negotiable instrument payable in U.S. dollars and clearable through the 
U.S. banking system, or with a telephonic or electronic payment authorization in U.S. Funds. If we decide to accept a payment 
made in some other form, your payment will not be credited until it is converted into one of the forms described in the previ-
ous sentence. We may charge you any costs we incur in converting your payment. If any payment made on your Account is not 
honored for its full amount or because of an incorrect account number, we may charge your Account a Late Payment Fee or a 
Returned Check Fee to cover collection costs on that payment in addition to any other applicable fees. We may accept late pay-
ments, partial payments, or any payments marked as being payment in full or as being settlement of any dispute without losing 
any of our rights under this Agreement or under the law. Our acceptance of such payments does not mean we agree to change 
this Agreement in any way. You agree to pay all court costs plus attorney’s fees of 15% of the then unpaid balance if we must 
refer your Account to any attorney who is not our employee, subject to the law of your jurisdiction and the Arbitration provision 
of this agreement. 
Monthly Statement – Minimum Payment: The Minimum Payment required is the new balance shown on your monthly billing 
statement if the amount is equal to or less than $15.00. Otherwise, it is the greater of: (A) 3.0% of the New Balance (rounded up 
to the nearest dollar), (B) $15.00, or (C) 1% of the New Balance plus any unpaid FINANCE CHARGES and unpaid fees. The 
Total Minimum Payment will include the Minimum Payment calculated above, plus any amount in excess of your credit limit 
and any amount past due. You may pay more than the Total Minimum Payment or you may pay the total New Balance at any 
time. Your Minimum Payment will be applied in any order at our discretion. Payments in excess of the Minimum Payment will 
be applied to balances with the highest APR first and then to lower rate balances in descending order of APRs. 
Grace Periods: Grace Period for Purchases (including Balance Transfers): If a Purchase is made using your Card during a 
billing period in which there was already any outstanding balance on the Account, there will be no grace period and FINANCE 
CHARGES on all Purchases will accrue from the date the Purchase is posted to your Account. If a Purchase is made during 
a period in which you had no outstanding balance on your Account, the grace period is not less than 25 days. In such cases, if 
your full New Balance is not paid in full on or before the payment due date, FINANCE CHARGES, at rates provided for in the 
Supplemental Pricing Disclosure, will be assessed on your outstanding balance from the closing date on your billing statement 
and on future Purchases from the date the Purchases are posted to your Account until the billing period in which we receive pay-
ment in full of all outstanding balances.
Grace Period for Cash Advances (including Convenience Checks and other transactions defined on page 1): On Cash 
Advances there is no grace period, and FINANCE CHARGES on Cash Advances are always assessed from the day of the Cash 
Advance transaction or the first day of the billing cycle in which it is posted to your account, whichever is later, until the day we 
receive payment in full of all outstanding Cash Advances.
Calculation of Monthly Periodic Rate:  
A. The Monthly Periodic Rate for Purchases depends on your adherence to the terms of this Agreement. 
B. The Monthly Periodic Rates for Purchases and Cash Advances are based on ANNUAL PERCENTAGE RATES for Pur-
chases and Cash Advances, respectively, which may be adjusted monthly. The Monthly Periodic Rate for Purchases and Cash 
Advances for each billing period is 1/12th of the ANNUAL PERCENTAGE RATE for Purchases and 1/12th of the ANNUAL 
PERCENTAGE RATE for Cash Advances respectively in effect for that billing period, rounded to the nearest one hundredth 
of a percentage point. 
C. The PENALTY ANNUAL PERCENTAGE RATE may be applied to your account if you: a) make a late payment, b) make 
a payment that is returned unpaid, c) go over your credit limit. Before we apply the PENALTY ANNUAL PERCENTAGE 
RATE on any type of transaction or balance, we will provide you any notice required by law in advance that tells you which 
future transactions and/or outstanding balances are subject to the PENALTY ANNUAL PERCENTAGE RATE and when the 
ANNUAL PERCENTAGE  RATES will increase. If we do not increase your ANNUAL PERCENTAGE RATES to the 
PENALTY ANNUAL PERCENTAGE RATE when any of these events occur, we reserve our right to increase your ANNUAL 
PERCENTAGE RATES to the PENALTY  ANNUAL PERCENTAGE RATES if any of these events occur in the future. If 
your ANNUAL PERCENTAGE RATES are increased for any of these reasons, the PENALTY ANNUAL PERCENTAGE 
RATE may apply indefinitely to the future transactions that occur on or after the first day of the next billing cycle. If we do not 
receive any minimum payment within 60 days of the due date, the PENALTY ANNUAL PERCENTAGE RATE will apply 
to all outstanding balances and future transactions on your Account. However, if we receive six consecutive minimum payments 
when due, beginning with the first payment due after the increase, the PENALTY ANNUAL PERCENTAGE RATE will stop 
being applied to outstanding balances and future transactions, effective with the next minimum payment due.
D. For Paragraphs B and C above, a separate Supplemental Pricing Disclosure accompanying this agreement states the  
ANNUAL PERCENTAGE RATES applicable to your Account, subject to Paragraph E below. Please call us at (800) 883-0131 
or write to us at TCM Bank, PO Box 31537, Tampa, FL 33633, if you did not receive the Supplemental Pricing Disclosure or 
to learn the most current ANNUAL PERCENTAGE RATES since the date of the last Supplemental Pricing Disclosure you 

2

received. Upon receiving your request, the Supplemental Pricing Disclosure will promptly be sent to you.   
E. For purposes of this Agreement, the Prime Rate used to determine your ANNUAL PERCENTAGE RATES 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 preced-
ing business day) of the prior month. Your APR will increase if the Prime Rate increases. In the event that The Wall Street Journal 
ceases to be published or ceases to publish the Prime Rate, we may refer to the Prime Rate published in any other newspaper 
of general circulation in New York, New York, or we may substitute a similar reference rate at our sole discretion. Subject to 
applicable law, any balances transferred from another account to this Account shall be governed by the terms and conditions of 
this Agreement.
FINANCE CHARGES for Purchases and Cash Advances will begin to accrue from the date the transaction is added to the 
daily balance and continue to accrue until payment in full is credited to your account. However, you may avoid the imposition 
of FINANCE CHARGES on Purchases as described below. FINANCE CHARGES for each type of balance (Purchases and 
Cash Advances) will be calculated by multiplying the Monthly Periodic Rate of FINANCE CHARGE applicable for the type 
of balance by the Average Daily Balance for the type of balance, and adding any Cash Advance Fee, Balance Transfer Fee and 
International Transaction Fee  as applicable.  The Cash Advance Fee, Balance Transfer Fee, and International Transaction Fee 
are FINANCE CHARGES. 
Finance Charge Calculation Method and Computation of Average Daily Balance Subject to Finance Charge. 
Average Daily Balance for Purchases (including Balance Transfers, new Purchases and new Balance Transfers): To avoid 
incurring an additional FINANCE CHARGES on the balance of Purchases reflected on your monthly statement and on any new 
Purchases appearing on your next monthly statement, you must pay the full New Balance shown on your monthly statement on 
or before the Payment Due Date. The grace period for the New Balance of Purchases extends to the Payment Due Date. 
Average Daily Balance for Cash Advances (including Convenience Checks and other transactions as defined on page 1): 
The FINANCE CHARGE on Cash Advances begins from the date you obtained the Cash Advance, or the first day of the billing 
cycle in which it is posted to your Account, whichever is later. There is no grace period. 
How Will We Calculate Your Balance: We use a method called “Average Daily Balance (including new transactions).” 
  • We calculate periodic rate finance charges separately for each type of  balance (e.g. Purchases and Cash Advances). Balance 
Transfers are treated as Purchases, and Convenience Checks and any other transactions as defined on Page 1 are treated as Cash 
Advances.  For a billing period, we figure a portion of the FINANCE CHARGE on your Account by applying the monthly 
Periodic Rate to the respective “average daily balances” of the Purchases and/or Cash Advances (including current transactions). 
There is a $1.00 minimum FINANCE CHARGE, when a FINANCE CHARGE is assessed.
  • To get the average daily balance for Purchases, we take the beginning balance of Purchases on your Account each day, add 
any new Purchases, and subtract any payments or credits, non-accruing fees, and unpaid FINANCE CHARGES. This gives us 
the daily balance for Purchases Then, we add up all the daily balances of Purchases for the billing period and divide the total by 
the number of days in the billing period. This gives us the average daily balance of Purchases. 
  • To get the average daily balance for Cash Advances, we take the beginning balance of Cash Advances on your Account each 
day, add any new Cash Advances, and subtract any payments or credits, non-accruing fees, and unpaid FINANCE CHARGES. 
This gives us the daily balance for Cash Advances. Then, we add up all the daily balances of Cash Advances for the billing period 
and divide the total by the number of days in the billing period. This gives us the average daily balance of Cash Advances.   
  • For FINANCE CHARGE calculation purposes, the billing period/billing cycle begins on the day after the Statement/Closing 
Date of the previous billing period, and includes the Statement/Closing Date of the current billing period. The number of days in 
the billing period may vary.
Transaction Fee for Cash Advances: You obtain a Cash Advance if you obtain funds through a Convenience Check, from an 
automated teller machine (ATM), through a financial institution, the purchase of a wire transfer, money order,  foreign currency, 
travelers cheques, or stored value load, or engage in another similar transaction. For each Cash Advance, we add an additional 
Cash Advance Fee of either $5 or 3% of the U.S. dollar amount of the Cash Advance whichever is greater.  There is no maxi-
mum Cash Advance Fee.  The Cash Advance Fee is a FINANCE CHARGE.  This Cash Advance Fee may cause the ANNUAL 
PERCENTAGE RATE on the billing statement on which the Cash Advance first appears to exceed the nominal ANNUAL 
PERCENTAGE RATE.    
Transaction Fee for Charges Made in Foreign Countries: If you incur a Charge in a foreign currency, it may  be converted 
into U.S. dollars. If the foreign currency is converted into U.S. dollars, the exchange rate used to convert the currency used in an 
international transaction into the billing currency shall, in each instance, be either a rate selected by Visa or MasterCard from the 
rates available in wholesale currency markets for the applicable processing date and may vary from the rate Visa or MasterCard 
themselves receive, or the government-mandated rate in effect for the applicable processing date. The conversion may occur 
after the transaction date and the conversion rate may differ from the rate of exchange in effect at the time of the transaction. You 
agree to pay the converted amount to us in U.S. dollars. In addition, if a currency conversion occurs, and International Transac-
tion Fee of 1% of the U.S. dollar amount will be applied to those transactions. If the foreign transaction was transacted in U.S. 
dollars, an International Transaction Fee of 0.8% of the U.S. dollar amount will be applied to those transactions. The International 
Transaction Fee is a FINANCE CHARGE.  This International Fee may cause the ANNUAL PERCENTAGE RATE on the 

3

billing statement on which the Charge made in a foreign currency first appears to exceed the nominal ANNUAL PERCENT-
AGE RATE.  
Transaction Fee for Balance Transfers: You may transfer a balance from another account to this Account.  For each Balance 
Transfer, we will add an additional Balance Transfer Fee of 3% of the U.S. dollar amount of the Balance Transfer. There is 
no maximum Balance Transfer Fee. There is no Balance Transfer Fee for balance transfers made at time of initial application 
for an Account.   The Balance Transfer Fee is a FINANCE CHARGE.  The Balance Transfer Fee may cause the ANNUAL 
PERCENTAGE RATE on the billing statement on which the Balance Transfer first appears to exceed the nominal ANNUAL 
PERCENTAGE RATE.  
Default: We may consider your Account to be in default at any time if you fail to pay us any payment when it is due, if you at-
tempt to borrow more than the applicable limits on your Account, if your payment is returned by your bank or financial institu-
tion, or if you breach any other promise or obligation under this Agreement. Subject to applicable law, we also may consider your 
Account in default at any time if any statement made by you to us in connection with this credit program was false or misleading, 
if you breach any other promise or obligation under this Agreement or any other agreement that you may have with us or with 
any of our affiliates, or if we have any reason to believe you may not be creditworthy. Upon your default and subject to any limi-
tations or requirements of applicable law and the Arbitration provision of this Agreement, you agree to pay all other reasonable 
costs, including reasonable attorney’s fees, incurred by us (1) in collecting the balance due, including FINANCE CHARGES, 
if any, whether or not suit is brought against you, and (2) in protecting ourselves from any harm that we may suffer as a result 
of your default. We may also, upon your default, subject to applicable law, declare the entire amount of your obligations to us 
immediately due and payable and suspend or cancel your Account privileges. 
Delinquency Assessments: Your Account will be considered delinquent if you fail to pay us at least the Minimum Payment 
by the Payment Due Date shown on each monthly statement. If your Account remains delinquent at the statement closing date,  
subject to applicable law, we will add a Late Payment Fee (see #4 in Fees, below). You will only be charged one Late Payment 
Fee for any minimum monthly payment which is not paid by the Payment Due Date. 
Suspension/Cancellation: In addition to any of the actions we may take under this Agreement, we may suspend or cancel your 
Account privileges at our sole option, subject to applicable law, at any time with or without cause and without giving you no-
tice, including but not limited to a situation in which (1) you cease to be an account holder in good standing with respect to any 
other accounts you may have with TCM Bank, N.A., or (2) you are in default. Any such action on our part will not cancel your 
obligations to pay us the outstanding balance, Finance Charges, and other charges due on your Account under the terms of the 
Agreement in effect at the time of the cancellation or suspension of your account or as subsequently amended. You agree to pay 
us all such obligations despite any suspension or cancellation of your account. 
Fees: We may charge the following fees, subject to applicable law: 
1. ANNUAL FEE: The Supplemental Pricing Disclosure accompanying this Agreement states whether an annual fee applies to 
your account and, if so, the amount of the fee. 
2. RETURNED CHECKS: A fee of up to $35 will be charged for checks returned for insufficient funds or for an incorrect ac-
count number.
3. STOP PAYMENT ORDERS: If you request us to stop payment on a Convenience Check drawn on your Account, we may 
charge your  Account a fee of $29.  
4. LATE PAYMENT FEE: We will charge a late fee of up to $35.
5. RESEARCH FEE: You agree to pay $3 for each photocopy of a sales slip you request and $4 for each duplicate copy of a 
monthly statement you request. However, we will not impose these fees if you request such items in connection with a billing 
error dispute which you have notified us of in writing. 
Insurance: If you use the Account to buy insurance, you give us permission to pay premiums for you when due. You agree to 
repay us according to the terms of this Agreement. You must tell us in writing if you no longer wish us to pay premiums for you. 
If your Account is canceled, we will stop paying the premiums for you. 
Waiver: Our failure to exercise any of our rights under this Agreement, or our waiver of our rights on any one occasion, shall not 
constitute a waiver of such rights on any other occasion. 
Consumer Reports: You authorize us and our affiliates to make whatever credit investigations we deem appropriate and to ob-
tain and exchange any information we may receive from consumer reports and other sources. We may ask consumer-reporting 
agencies for consumer reports of your credit history. Upon request, we will tell you whether a consumer report was requested and 
the name and address of the agency that furnished it. As permitted by law, we may furnish information concerning your Account 
to consumer reporting agencies. If we determine that your account is past due, adverse credit information may appear on your 
consumer report and the consumer reports of any Additional Cardholders on your  Account. 
Telephone Monitoring: From time to time, we may monitor telephone calls between you or Additional Cardholders and us to 
assure the quality of our customer service. 
Benefits and Services: We reserve the right to add, modify, or delete any benefit or service offered with the Card at any time 
without notice to you. 
Change of Billing Address – Notices: You should notify us immediately of any change in your billing address. Any notice given 
by us shall be deemed to be given when deposited in the United States Mail, postage prepaid, addressed to you at the latest bill-

4

ing address shown on our records. 
Change of Rates, Fees, Terms – Assignment: We may assign Card accounts to our affiliates or to some other financial institu-
tion at any time. We may also change the rates, fees, and terms of this Agreement at any time, in accordance with applicable law. 
We will notify you of changes if we are required to do so by law, and you may be given the opportunity to reject those changes 
to the extent required by law or otherwise in our discretion. If you choose not to accept those changes, you may terminate this 
Agreement by notifying us in writing. However, your Account will be closed and you will remain responsible for all Charges 
made before you terminated the Agreement. 
Revocation and Voluntary Cancellation: We can revoke your right to use the Card at any time. We can do this whether or not 
you have violated this Agreement and without giving you notice. If we revoke the Card, you must return the Card to us if we 
request. Also, if a merchant that accepts Cards asks you to surrender an expired or revoked Card, you must do so. You may not 
use the Card after it has expired or after it has been revoked. If you ask us to cancel your Account, but you continue to use your 
Account after the date of cancellation, we will consider such use as your request for reinstatement of your Account. We may then 
reinstate your Account and bill you accordingly. 
To Cardholders in the United States. Your Billing Rights – Keep This Notice for Future Use. This notice contains important 
information about your rights and our responsibilities under the Fair Credit Billing Act. 
What To  Do If You Find a Mistake on Your Statement. If you think there is an error on your statement, write to us at:  TCM Bank, 
N.A., Customer Service, PO Box 31481, Tampa, FL 33631-3481.  In your letter, give us the following information: 
  • Account information: Your name and account number. 
  • Dollar amount: The dollar amount of the suspected error. 
  • Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe 
     it is a mistake.
You must contact us:
  • Within 60 days after the error appeared on your statement.
  • At least 3 business days before an automatic payment is scheduled, if you want to stop payment on the amount you think is    
    wrong.
You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any poten-
tial errors and you may have to pay the amount in question. 
What Will Happen After We Receive Your Letter.  When we receive your letter, we must do two things:
  1.  Within 30 days of receiving your letter, we must tell you that we received your letter.  We will also tell you if we have already 
      corrected the error.
  2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.
While we investigate whether or not there has been an error:
  • We cannot try to collect the amount in question, or report you as delinquent on that amount.
  • The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
  • While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
  • We can apply any unpaid amount against your credit limit. 
After we finish our investigation, one of two things will happen:
  • If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. 
  • If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees.  
We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you 
do not pay theamount we think you owe.
If you receive our explanation but still believe your bill is wrong, you must write to us within ten (10) days telling us that you 
still refuse to pay.  If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We 
must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the 
matter has been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is 
correct.  
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith 
to correct the problem with merchant, you may have the right not to pay the remaining amount due on the purchase. 
To use this right, all of the following must be true: 
  1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase     
price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we 
made to you, or if we own the company that sold you the goods or services.)
  2. You must have used you credit card for the purchase. Purchases made with cash advances from an ATM or with a check that 
accesses your credit card account do not qualify.
   3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: TCM Bank, N.A., 

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Customer Service, PO Box 31481, Tampa, FL 33631-3481.  
While we investigate, the same rules apply to the disputed amount as discussed above.  After we finish our investigation, we will 
tell you our decision.  At that point, if we think you owe an amount and do not pay, we may report you as delinquent. 
Note for Ohio Residents: The Ohio law against discrimination requires 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.
ARBITRATION: Please read this arbitration provision (the “Arbitration Agreement”) carefully. It provides that, upon the agree-
ment of the parties, any legal dispute between the parties will be resolved by binding arbitration. This provision replaces any 
existing arbitration provision between you and us. 
Definitions: As used in this Arbitration Agreement: “we,” “us,” “our,” and similar terms mean TCM Bank, N.A., and all of its 
respective parents, wholly or majority owned subsidiaries, affiliates, predecessors, successors, assigns, employees, officers, and 
directors (collectively, “TCM”). “Claim” means any claim or dispute (including any counterclaim) by either you or us against 
the other, arising or relating in any way to your Cardholder Agreement with us, or any solicitation or negotiation preceding your 
Cardholder Agreement, or any prior agreement, or your credit card account, or the relationships that result from your account, in-
cluding the enforceability or scope of this Arbitration Agreement. It includes disputes based on constitutional provisions, statutes, 
regulations, contracts, torts, and acts of every type (whether intentional, fraudulent, reckless, or negligent). It includes disputes 
that seek relief of any type, including injunctive, declaratory, or damages. It includes disputes that arose before the Arbitration 
Agreement’s effective date. “Administrator” means the American Arbitration Association (“AAA”), 1633 Broadway, New York 
NY 10019, www.adr.org, (800) 778-7879; or JAMS, 620 Eighth Ave, New York, NY 10018, www.jamsadr.com, (800) 352-5267; 
or another nationally recognized independent arbitration organization acceptable to us. 
IMPORTANT NOTICE AND LIMITATIONS: If you or we elect to arbitrate a Claim, neither you nor we will have the 
right: (1) to have a court or a jury decide the Claim; (2) to engage in discovery (i.e., the right to obtain information from 
the other party) to the same extent that you or we could in court; (3) to participate in a class action in court or in arbitra-
tion, either as a class representative or a class member; (4) to act as a private attorney general in court or in arbitration; 
or (5) to join or consolidate your Claim(s) with Claims of any other person. The right to appeal is more limited in arbitra-
tion than in court. Other rights that you would have if you went to court may also not be available in arbitration. Only a 
court may determine the validity and effect of the language in this paragraph.  If a court should hold this language to be 
invalid, then the entire Arbitration Agreement shall be null and void. 
Right to Reject Arbitration: You may reject this Arbitration Agreement, in which event neither you nor we will have the right 
to require arbitration of any Claim. Rejection of the Arbitration Agreement will not affect any other aspect of this Agreement. 
To reject the Arbitration Agreement, you must send us a notice (“Rejection Notice”) that we must receive within thirty (30) 
days after you have applied for your credit card account. Any Rejection Notice will apply only to this Arbitration Agreement 
and not to any other arbitration provision or arbitration agreement that may apply to a prior agreement with us. The Rejection 
Notice must include your name, address, and account number. You must mail your Rejection Notice to TCM Bank, N.A., PO 
Box 31481, Tampa, FL 33631. In the event of any dispute concerning whether you have provided a timely Rejection Notice, you 
must provide a signed receipt. This is the only method you can use to reject the Arbitration Agreement. If the Rejection Notice is 
sent on your behalf by a third party, such third party must include evidence of his or her authority to submit the Rejection Notice 
on your behalf. 
Scope: This Arbitration Agreement covers all Claims, except that we will not elect to arbitrate an individual Claim brought in a 
small claims court or its equivalent, unless that Claim is transferred, removed, or appealed to a different court. If you request, we 
will agree to arbitrate Claims that are not otherwise covered by this Arbitration Agreement, but under the terms of this Arbitra-
tion Agreement. 
Starting an Arbitration: To start an arbitration, you or we must give written notice of an election to arbitrate. If you are mak-
ing the election, you must send this notice to TCM Bank, N.A., PO Box 31481, Tampa, FL 33631. If we make the election, we 
would mail it to your address as indicated in our records, or to you at the address indicated in any court filing you make with 
respect to the Claim or, if you are represented by an attorney with respect to your Claim, to your attorney. In addition, notice of 
the arbitration election can be given after a lawsuit has been filed, in which case it can be made in papers in the lawsuit. If a no-
tice electing arbitration is given, the Claims shall be resolved by arbitration under this Arbitration Agreement and the rules of the 
Administrator. You can choose the Administrator in your notice, or by informing us of your election in writing within twenty (20) 
days after our election to arbitrate, provided that the chosen Administrator is NAF, AAA, JAMS, or another nationally recognized 
independent arbitrator acceptable to us. The arbitrator will be selected under the Administrator’s rules, except that the arbitrator 
must be a lawyer with at least ten years of experience. 
Location and Costs: Any arbitration hearing that you attend will take place in a location that is reasonably convenient for you. 
Each party must pay for its own attorneys, experts, and witnesses, regardless of who wins the arbitration, except where applicable 
law and/or the Administrator’s rules provide otherwise. However, we will not seek or accept reimbursement from you of amounts 
paid by us for attorneys, experts, and witnesses. We will, under all circumstances, pay any fees or expenses we are required to 
pay by law.

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Governing Law and Discovery (Getting Information): This Agreement involves interstate commerce and this Arbitration 
Agreement shall be governed by the Federal Arbitration Act, 9 U.S.C. §§1 et seq. (“FAA”), and not by any state law concerning 
arbitration. The arbitrator shall follow applicable substantive law to the extent consistent with the FAA, this Arbitration Agree-
ment, the Administrator’s rules, statutes of limitation and claims of privilege, and shall be authorized to award all remedies per-
mitted by the substantive law that would apply if the action were pending in court. Upon the timely request of either party, the 
arbitrator shall write an explanation of the award’s basis. The arbitrator will set rules of procedure and evidence consistent with 
the FAA, this Arbitration Agreement, and the Administrator’s rules. In addition to the parties’ rights to obtain information under 
the Administrator’s rules, either party may ask the arbitrator to allow it to obtain more information from the other party. 
Effect of Arbitration Award: Any appropriate court may enter judgment upon the arbitrator’s award. The arbitrator’s decision 
will be final and binding except for: (1) any appeal right under the FAA; and (2) any party may appeal awards of more than 
$100,000 to a three-arbitrator panel appointed by the Administrator, which will reconsider, de novo, any aspect of the appealed 
award. The panel’s decision will be final and binding, except for any appeal right under the FAA. Unless applicable law provides 
otherwise, the appealing party will pay the appeal’s cost, regardless of its outcome. However, we will consider any reasonable 
written request for us to bear the cost. 
Continued Effect of Arbitration Agreement: This Arbitration Agreement will survive the termination of your Account and 
remain in force no matter what happens to you or your Account. A party who has asserted a Claim in a lawsuit may still elect to 
arbitrate any other Claim asserted in the same lawsuit by another party. Except as otherwise provided above, if any portion of 
this Arbitration Agreement cannot be enforced, the rest of the Arbitration Agreement will continue to apply. In the event of any 
conflict or inconsistency between this Arbitration Agreement and the Administrator’s rules or other provisions of this Agreement, 
this Arbitration Agreement will govern. 

I001471     01/11

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