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VISA Signature Travel Credit Card

This program is issued and administered by TCM Bank, N.A. Information on this disclosure was accurate as of November 1, 2018. Before you submit your application, please read through these Important Disclosures, which contain additional information about rates, fees, and other costs, as applicable. Each applicant must be at least 18 years of age.

INTEREST RATES AND 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 11.99% to 21.99%, based on your creditworthiness. Your APR will vary with the market based on Prime Rate.*
APR for Balance Transfers 0% Introductory APR applies for twelve billing cycles from date of account opening. After that, the standard APR will be 11.99% to 21.99%, based on your creditworthiness. Your APR will vary with the market based on Prime Rate.*
APR for Cash Advances 23.99%. Your APR will vary with the market based on Prime Rate.*
How to Avoid Paying Interest on Purchases 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.
Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

FEES

Annual Fee None.
Transaction Fees:
Balance Transfer

Cash Advance
Foreign Transaction
Either $5 or 3% of each balance transferred. whichever is greater.

Either $5 or 3% of each cash advance, whichever is greater.
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.
Penalty Fees:
Late Payment
Returned Payment
Up to $38.
Up to $38.
Over Limit Fee None.
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.
How Will We Calculate Your Balance: We use a method called "Average Daily Balance (including new transactions)." An explanation will be provided in your Cardholder Agreement.
Loss of the Employee Rate: If you are eligible for the Employee Rate Program, you will receive a 14.99% 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.

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.
Anti-Terrorism: 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. To process the Application, we must have your name, street address, date of birth and other identifying information, and we may ask for identifying documents from you as well.
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 laws and regulations of the State of Florida, as well as the applicable laws and regulations of the United States of America.
Balance Transfer Disclosures: You agree to allow approximately 30 days for us to process your application and 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 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. *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 5.25% Prime Rate in effect on November 1, 2018. 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%. 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.