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GIFT AVAILABLE WHILE SUPPLIES LAST AND LIMITED TO ONE PER CUSTOMER. COMPLETE CONSUMER OR BUSINESS CREDIT CARD APPLICATION MUST BE SUBMITTED IN BRANCH OR ONLINE TO OBTAIN GIFT. IF APPLICATION IS SUBMITTED ONLINE, CUSTOMER MUST BRING ONLINE APPLICATION CONFIRMATION PAGE TO BRANCH IN ORDER TO RECEIVE GIFT. GIFT WILL BE AWARDED IN BRANCH IMMEDIATELY UPON SUBMITTING THE APPLICATION OR SHOWING ONLINE APPLICATION CONFIRMATION PAGE. CREDIT CARDS ARE SUBJECT TO CREDIT REVIEW AND APPROVAL. CREDIT CARD APPROVAL IS NOT REQUIRED TO OBTAIN FREE GIFT. CARDS ARE ISSUED BY TCM BANK, N.A. FOR CONSUMER CARDS: ¹ 0% INTRO ANNUAL PERCENTAGE RATE APPLIES TO PURCHASES AND BALANCE TRANSFERS FOR THE FIRST 12 BILLING CYCLES AFTER ACCOUNT OPENING. WHEN THIS PERIOD ENDS, YOUR APR WILL VARY BASED ON THE HIGHEST U.S. PRIME RATE PUBLISHED IN THE WALL STREET JOURNAL ON THE LAST BUSINESS DAY OF THE CALENDAR MONTH PRIOR TO YOUR STATEMENT CLOSING DATE (“LAST BUSINESS DAY”) AND APPLY IT BEGINNING WITH THE FIRST BILLING PERIOD FOLLOWING THE LAST BUSINESS DAY. WE ADD A MARGIN TO THE PRIME RATE TO DETERMINE VARIABLE APRS. APRS SHOWN HERE ARE BASED ON A 3.25% PRIME RATE. FOR EACH BILLING PERIOD, THE APR MAY INCREASE OR DECREASE WITH THE PRIME RATE. REWARDS PLATINUM APRS ARE CURRENTLY BETWEEN 9.99% AND 19.99%, PLATINUM EDITION APRS ARE CURRENTLY BETWEEN 8.99% AND 18.99%, AND CASH REWARDS PLATINUM APRS ARE CURRENTLY BETWEEN 12.99% AND 22.99%. RATES ARE ACCURATE AS OF APRIL 30, 2020 AND ARE SUBJECT TO CHANGE. TO FIND OUT WHAT MAY HAVE CHANGED, CONTACT US OR CHECK OUR WEBSITE FOR CURRENT RATES. IF YOU MAKE A LATE PAYMENT OR MAKE A PAYMENT THAT IS RETURNED UNPAID DURING THE INTRODUCTORY PERIOD WE MAY END YOUR INTRODUCTORY APR AND APPLY THE STANDARD PURCHASE AND BALANCE TRANSFER APR. BALANCE TRANSFER FEES ARE EITHER $5 OR 3% OF EACH BALANCE TRANSFERRED, WHICHEVER IS GREATER. CASH ADVANCE FEES ARE EITHER $5 OR 3% OF EACH CASH ADVANCE, WHICHEVER IS GREATER. FOREIGN TRANSACTION FEES, FOR MERCHANTS LOCATED OUTSIDE OF THE U.S., ARE (A) 1% OF THE U.S. DOLLAR AMOUNT OF THE TRANSACTION, IF CONVERTED FROM A FOREIGN CURRENCY, OR (B) 1% OF THE U.S. DOLLAR AMOUNT OF THE TRANSACTION, IF MADE IN U.S. DOLLARS. SUBJECT TO CREDIT APPROVAL. THIS CARD IS ISSUED BY TCM BANK, N.A. FOR BUSINESS CARDS: ¹ SEE THE CARD APPLICATION’S IMPORTANT DISCLOSURES FOR CURRENT TERMS, RATES AND FEES.