IMPORTANT INFORMATION REGARDING OUR CREDIT CARDS                                               

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for: 
All Purchases  
Balance Transfers 
Cash Advances 

• 
• 
• 

21.49%  APR will vary with the market based on the Prime Rate. 1 

Penalty APR 

NONE 

How to Avoid Paying Interest  

Your due date is at least 25 days after the close of each billing cycle. We will not impose interest charges if you pay 
your entire balance by the due date each month.  

Minimum Interest Charge 

If we impose an interest charge, the amount will never be less than $0.50. 

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 

$25.00 
NOTICE: Your account will be assessed the $25.00 fee at the time that your account is established with us. This fee will 
reduce the amount of credit that you initially have available. Additionally, your account will be charged every year on 
the anniversary date of your account. 

Transaction Fees 
•  Balance Transfer Fee 
•  Cash Advance Fee 
•  Currency Conversion Transaction Fee 
• 

International Transaction Fee 

NONE 
$10.00 or 3% of the transaction amount, whichever is greater. 
1.0% of each transaction in US dollars, if currency conversion occurs. 
0.8%  of each transaction in US dollars, if no currency conversion occurs. 

Penalty Fees 
• 
Late Payment Fee 
•  Returned Payment Fee 
•  Over the Limit Fee 

Other Fees 
•  Card Replacement Fee 
•  Copying Fee 

• 

Special Processing Fee 

Up to $25.00 
Up to $25.00 
NONE 

$5.00 per card replaced prior to the normal reissue date. 
$4.00 per-page fee for copies of transaction documents or statements unless we are required to provide them when 
resolving a billing dispute. 
$35.00 per card for expedited processing and delivery. 

HOW WE WILL CALCULATE YOUR BALANCE: We use a method called, “average daily balance (including new purchases).”  
See the Card Agreement for more details. 

The disclosures above are accurate as of the printing date of December 31, 2016 and are subject to change thereafter.  

Please contact us for information on any changes, call 877-712-2265 or by writing to us at the following address: 

Academy Bank, N.A. 
Attn: Credit Card Department 
PO Box 26458 
Kansas City, MO 64196 

1 Variable Rate Information: Prime Rate refers to the highest Prime Rate identified in the “Money Rates” column of the Wall Street Journal (WSJ) on the rate change date. 
The index and your corresponding rate APR may adjust monthly on the rate change date. The new rate will take effect on the first day of your next billing cycle. The value of 
the index on December 31, 2016 was 3.75%. The APR will be determined by adding the margin of 17.74%  to the value of the index. Your APR may change monthly. 
Member FDIC 
Revision dated 12/31/16