Visa Platinum Company Expense Charge Card. Our community bank card for all your business needs.

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1 Visa Platinum Company Expense Charge Card. Our community bank card for all your business needs. If your business s annual revenue is greater than $7 million and you employ more than fifty people, this card is for you. Large Corporations and Financial Institutions Non-profit Organizations Municipalities Features & Benefits No Annual Fee* Pay-in-Full Monthly Higher spending limits Authorized users at no extra charge Online access at MyCardStatement.com Travel Accident Insurance Auto Rental Collision Damage Waiver Fraud Monitoring Personal Service Customer Contact Center available 24/7. Reps are located in the U.S. and dedicated to providing you with personal service, the kind you receive when you come into our branch. Stop by any branch for a little extra help. Please print ALL PAGES of this document. Apply Today! *See terms, rates, and fees in the Terms and Conditions. This card is issued by TCM Bank, N.A. pursuant to a license from Visa U.S.A., Inc. Fax the completed application to or it to credit.tcm@icba.org OR, mail to: NEW ACCOUNTS CENTER P.O. BOX TAMPA FL You can use the provided pre-paid Business Reply Envelope. Follow the supplied directions to prevent papers from separating during transit. Remember to tape envelope closed. Applicant should keep the Terms and Conditions for the terms, rates and fees associated with this program.

2 Company Expense Charge Card (Pay in Full) See terms, rates, and fees in the Terms and Conditions. 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 may ask for identifying documents from you as well. Information About the Business Legal Name of the Business Company Name (DBA Name) Business Street Address City State Zip Code Business Mailing Address (If different from street address) City State Zip Code ( ) Business Phone Number Business Website ( ) Contact Person Phone Number Address Federal Tax Identification Number $ Annual Business Revenue Number of Years in Business Under Current Owner Number of Employees State of Legal Formation Authorized Business Officer 1 (Please attach the corporate document authorizing the Officer to apply for a credit card on behalf of the business.) Service Provided/Nature of Business Corporation Sole Proprietor Business Type: Partnership Municipality Non-Profit Other For purposes of Regulation O, please indicate whether you re an Insider of TCM Bank, N.A.* Yes No First Name Middle Initial Last Name Business Title Home Street Address City State Zip Code Social Security Number Date of Birth (MM/DD/YYYY) Mother s Maiden Name ( ) ( ) ( ) Home Phone Number Work Phone Number Cell Phone Number % of Ownership Authorized Business Officer 2 (Please attach the corporate document authorizing the Officer to apply for a credit card on behalf of the business.) For purposes of Regulation O, please indicate whether you re an Insider of TCM Bank, N.A.* Yes No First Name Middle Initial Last Name Business Title Home Street Address Unit Number City State Zip Code Social Security Number Date of Birth (MM/DD/YYYY) Mother s Maiden Name ( ) ( ) ( ) Home Phone Number Work Phone Number Cell Phone Number % of Ownership *TCM Bank requests this information in order to comply with Regulation O which governs any TCM extension of credit to a TCM Insider and any Insider s Related Interest. A TCM Insider is an executive officer, director, or principal shareholder of TCM, ICBA, ICBA Services Network, or Bancard. A Related Interest is any company controlled by an Insider SC301 RIF # Please read the following carefully before signing: You, the undersigned, as an individual and as an Officer of the Business with authority to bind the Business, (a) are requesting TCM Bank, N.A. to open a VISA credit card account in the name of the Business, (b) are representing that all cards issued on the account will only be used for commercial or business purposes, (c) are certifying that all information supplied in or with the Application is accurate and complete, (d) are agreeing that inquiries may be made to verify information, that a credit bureau report may be obtained and that information regarding the account may be reported to the credit bureaus, (e) are requesting TCM Bank, N.A. issue cards as you direct in this application or as you direct in the future, (f) you agree to be bound by the Company Expense Charge Card Terms & Conditions. If you guarantee this account, you are agreeing to be jointly and severally liable with the Business for all charges to the account. X Signature Date X Signature Date PLEASE PRINT, SIGN AND MAIL OR FAX THE COMPLETED APPLICATION. 1

3 List employees who you wish to receive cards (Use an additional page if necessary) Date of Birth Name to Appear on Card Credit Limit Social Security Number (MM/DD/YY) Signature See terms, rates, and fees in the Terms and Conditions. TOTAL OF CREDIT LINES REQUESTED: $ The Total must include all Balance Transfers. For credit card lines of $25,000 or more, additional documentation may be required. THIS SECTION WAS COMPLETED BY: SIGNATURE: PRINT NAME: TITLE: Business Reference Balance Transfer Company Name/Bank Name Account Number Company/Bank Address Name of Creditor Phone Number Contact Name Payment Address City State Zip Amount of Transfer (Minimum transfer of $500) The entire amount of the Balance Transfer will be allocated to the Authorized Signor. FOR BANK USE ONLY Name of banker sending or faxing application: Phone Number: PLEASE PRINT, SIGN AND MAIL OR FAX THE COMPLETED APPLICATION. D0513 2

4 COMPANY EXPENSE CHARGE CARD TERMS AND CONDITIONS This program is issued and administered by TCM Bank, N.A. This information is accurate as of May 1, The variable rates, the fees, and the terms are subject to change. The following terms and conditions apply to the Company Expense Charge Card established by TCM Bank, N.A. ( TCM ) for the Company. COMPANY REPRESENTS AND WARRANTS THAT ALL CARDS ISSUED WILL ONLY BE USED FOR COMMERCIAL OR BUSINESS PURPOSES. Definitions. We or us means TCM. You or your means Company. The charge card account in the name of the Company, which includes all charge cards used by the Company Employees will be called the Master Account. Each charge card used by the Company Employees will be called the Account. Issuance of Cards. TCM is authorized to issue charge cards in the name of the Company to the Company Employees identified by the Company. Promise to Pay. The Company and the Principals/Partners/Sole Owners promise to pay TCM for purchases, balance transfers, and cash advances made and all services rendered by or to any person using the card together with any finance charges or other charges incurred. It is understood that all parties have joint and individual liability. Purchases and Cash Advances. Charges include all purchases and cash advances in which any Company Employee evidenced intent to incur a charge, regardless of whether or not a charge slip was signed. Charges also include any balance transfers. Maximum Credit Limit. The maximum credit limit assigned to the Account is shown on each periodic statement. If the maximum credit limit is exceeded, TCM may decline further purchases, balance transfers, or cash advances and may charge an Over Limit Fee. Unauthorized Use. The Company may be liable for the unauthorized use of any of the charge cards issued for the Master Account. Any use of the card by a Company Employee or by another with the knowledge or consent of the Company Employee, is authorized use. The Company agrees to notify TCM promptly of any termination, resignation, or other change to the status of any Company Employee who has an Account and agrees to be liable for any purchases, balance transfers, cash advances, or other transactions on the charge card that occur before TCM s receipt of written notification of the change in employee status. The Company will not be liable for the unauthorized use by a Company Employee who has an Account that occurs after TCM s receipt of written notification of unauthorized use. All notifications under this section are to be sent to TCM Bank, N.A., P.O. Box 31481, Tampa, FL Charge cards may only be used for legal purchases of goods and services. Charge cards may not be used for gambling purposes, whether online or otherwise. If the Charge card is used for illegal purposes or gambling, TCM may terminate the Account, but Company will still be liable for all charges relating to those transactions. Statements. For each Account, each month a statement will be sent showing the new balance and the transactions that have been posted since the last statement. The statement also shows the minimum payment amount and the payment due date. For each Account, the minimum payment amount will be the total amount of purchases, balance transfers, cash advances, finance charges (if applicable), and other charges. Additional Charges. The Company agrees to pay a reasonable fee for: (i) each additional copy of a periodic statement requested for reasons other than an error made by TCM; (ii) each check or electronic payment received as payment on the Account or the Master Account returned for insufficient funds; (iii) each charge card replacement; and (iv) each Account reinstatement. Payments. All purchases, balance transfers, cash advances, and fees (if applicable) must be paid in full each month. TCM will allocate your payments in the following order: to fees, then interest, then to the remaining balance from the lowest rate to the highest rate. TCM may change this allocation method at any time. Finance Charges. You agree to pay a Finance Charge determined as described below. The finance charges for Purchases and Balance Transfers and for Cash Advances are determined separately: On Purchases and Balance Transfers, if you fail to pay the entire new balance on or before the payment due date shown on your statement, the Finance Charge will be 21.99% variable APR. This rate will be applied on your outstanding balance from the closing date on your statement and on future Purchases and Balance Transfers from the date the transaction(s) are posted to your Account until the billing period in which we receive payment in full of all outstanding balances. If the entire new balance is not paid in full, TCM may decline further purchases, balance transfers, or cash advances. On Cash Advances, you agree to pay a Finance Charge of 24.99% variable APR. This rate will be applied from the date of the Cash Advance until the day we receive payment in full of all outstanding Cash Advance balances. All payments must be made in U.S. currency. If the entire new balance is not paid in full, TCM may decline further purchases, balance transfers, or cash advances. Finance Charges for each type of balance (Purchases/Balance Transfers 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 Monthly Periodic Rate for each billing period is 1/12th of the applicable Annual Percentage Rate in effect for that billing period for the type of balance, rounded to the nearest one hundredth of a percentage point. 3

5 To get the average daily balance for Cash Advances, we take the beginning balance of Cash Advances on the 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 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. Calculation of APRs. The APR is determined by adding a margin to the Prime Rate. The margin for Purchases and Balance Transfers is 18.74%. The margin for Cash Advances is 21.74%. The Prime Rate used to determine your APR for the billing period ending in any month is the U.S. Prime Rate published in the Wall Street Journal on the 1st day (or if the 1st is not a business day, the preceding business day) of the prior month. If more than one Prime Rate is published, Bank may choose the highest rate. The APR will not exceed the applicable usury rate. The Bank may change the margin at any time. Fees. All fees must be paid in full each month. The fees are as follows: Annual Fee per Account - NONE. Transaction Fee for Cash Advances - Either $10 or 3% of each cash advance, whichever is greater. Late Payment Fee a)$19 on balances less than $100; b)$29 on balances over $100 but less than $250; c)$39 on balances of $250 or more. Over Limit Fee - $39 for the first occurrence and for each additional billing period that the Account remains over limit. Returned Payment Fee - $35. International Transaction Fee - If the merchant is outside of the U.S., the fee is: a) 3% of the U.S. dollar amount of the transaction, if converted from a foreign currency, b) 2.8% of the U.S. dollar amount of the transaction, if made in U.S. dollars. Balance Transfer Fee - 3% of each balance transferred. Replacement Fee - $5 per card replaced. Reinstatement Fee - $25 per Account reinstatement. Entire Balance Due. If (i) any payment on an Account or any other obligation owed by the Company to TCM is missed due to nonpayment or return for insufficient funds, (ii) the maximum credit limit is exceeded, (iii) bankruptcy is filed by or against the Company, or any other liquidation or insolvency proceeding is initiated against the Company, (iv) any guarantor dies, or (v) any misrepresentation has been made on the application, then the entire balance of the account can be declared due and payable at once without notice or demand. Once the entire balance has been declared due, the obligation of TCM to honor further transactions ends. Collection Costs. The Company agrees to pay all costs of collection including reasonable attorney s fees. Disputes. TCM is not responsible for refusal by any merchant, financial institution or automated equipment to honor or accept a charge card. TCM has no responsibility for merchandise or services obtained with a charge card and any dispute concerning merchandise or services will be independently settled by Company with the merchant concerned. Business accounts are not covered by Fair Credit Billing. However, if you have any questions about your account, you should write us at TCM Bank N.A., P.O. Box 31481, Tampa, FL Change in Terms. TCM may change the terms of the Account, the Master Account, and/or these Terms and Conditions at any time. The new terms may, at the option of TCM, apply to new Purchases, Balance Transfers and Cash Advances and to the outstanding balance of the Account. Notice of the change will be provided at least 15 days prior to the effective date of the change. Governing Law. This Agreement is governed by Federal law and, to the extent not preempted by Federal law, by Florida law. 4

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