A torque converter, including: turbine and pump shells; a turbine hub; a drive hub including a first orifice; and a lock-up clutch. The clutch includes: a clutch plate directly engaged with the turbine hub, fixed with respect to rotation to the turbine hub, and sealed with respect to the turbine hub; an apply plate the rotation of which is fixed to the rotation of the pump shell; and a piston plate. The converter includes a first fluid chamber at least partially formed by the piston, clutch and apply plates; and a second fluid chamber partially formed by the clutch and apply plates and the turbine and pump shells. When the lock-up clutch is closed, the first chamber is sealed except for the first orifice and one of a second orifice through the apply plate or a first fluid flow path through the lock-up clutch to the second fluid chamber.