Applied Bank� Schedule of Rates and Fees
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for 
Purchases and Cash Advances 29.99%  Fixed Rate
Penalty APR and When it Applies None
Paying Interest There is no grace period on this account. We will begin 
charging interest on purchases and cash advances on 
the transaction date.
Minimum Interest Charge If you are charged interest, the charge will be no less 
than $0.50.
For Credit Card Tips from the Consumer 
Financial Protection BureauTo 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.cfpb.gov/learnmore
Fees
Set-up and Maintenance Fees
Processing Fee
 
Annual Fee
Monthly Maintenance Fee
Additional Card Fee
Replacement Card Fee
Copying Charges
Fees for Optional Payments
Stop Payment Fee
Automated Account Information Fee
Credit Limit Increase Fee
Reinstatement FeeNOTICE: Your Annual Fee will be billed to your 
Account when it is opened and will reduce the amount 
of your initial available credit. For example, if your 
Account was established with a credit line of $300, 
your initial available credit will be $225. 
You may still reject this plan, provided you have not 
yet used the Account or paid a fee after receiving a 
billing statement. If you do reject the plan, you are not 
responsible for any fees or charges.
None
$75 the first year; after that, $45 annually 
None for the first year; after that, $6.25 per month   
($75 annually).
$30
$30
$10 per copy
$12.95 for each payment
$30
$0.50 for each separate Account inquiry made through 
our automated account information system
$100 (unless you and we otherwise agree)
$50
Transaction Fees
 Cash Advance Fee
 Foreign Currency Transaction FeeEither $10 or 5% of the amount of each cash advance, 
whichever is greater.
3% of each transaction in U.S. dollars.
Penalty Fees
 Late Fee
 Returned Payment FeeUp to $38
Up to $38M-135040 12/21
How We Will Calculate Your Balance: We will use a method called �average daily balance (including 
new purchases).� See your account agreement for more details.
Billing Rights: I nformation on your rights to dispute transactions and how to exercise those rights is 
provided in your account agreement.
Military Lending Act Disclosures
Statement of MAPR: Federal law provides important protections to members of the Armed Forces and 
their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a 
member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 
percent. This rate must include, as applicable to the credit transaction or account: The costs associated 
with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; 
any application fee charged (other than certain application fees for specified credit transactions or ac -
counts); and any participation fee charged (other than certain participation fees for a credit card account).
Oral Disclosure. Please call Customer Service at 1-800-947-1090 Monday - Friday, 9a.m. - 6 p.m. 
Eastern Time for any additional information concerning this disclosure.