Revision dated 3-10-2021  IMPORTANT INFORMATION REGARDING OUR CREDIT CARDS                                                 
Interest Rates and Interest Charges   
ANNUAL PERCENTAGE RATE ( APR) for : 
� All Purchases  
� Balance Transfers  
� Cash Advances  25.99 % APR  
Paying Interes t  Your due date is at least 25 days after the close of each billing cycle. We will not impose 
interest charges on purchases or balance transfers  if you pay your entire balance in full 
by the due date each month. We will begin charging interest on cash advances on the 
transaction date.  
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 Fee  
� Cash Advance Fee  
� Currency Conversion Transaction 
Fee 
� International Transaction Fee   
NONE  
$5.00 or 2% of the amount advanced, 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   
Up to $25.00 
Up to $25.00 
NONE  
Other Fees  
� Card Replacement Fee  
� Copying Fee  
 
� Special Processing  Fee  
$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, if ava ilable and offered.   
 
HOW WE WILL CALCULATE YOUR BALANCE:  We use a method called, �average daily balance (including new purchases  and balance transfers ).�  
See the Card Agreement for more details.  
 
The disclosures above are accurate as of the printing date of March 10, 2021  and are subject to change thereafter. Please contact us for information 
on any changes,  call 888 -929-2265 or  by writing to us at the following address : 
 
Armed Forces Bank, N.A.  
Attn: Credit Card Department  
PO Box 26458  
Kansas City, MO 64196  
 
 
 
 
 
 
 
  
                 
Revision dated 3-10-2021