ARMED FORCES BANK, N.A. UNSECURED CREDIT CARD ACCOUNT-OPENING DISCLOSURE STATEMENT
INTEREST RATES AND INTEREST CHARGES
ANNUALPERCENTAGERATE (APR)FOR PURCHASES · 15.60%
APR FOR BALANCETRANSFERS · 15.60%
APR FOR CASH ADVANCES · 15.60%
PENALTY APR · 24.99% This APR may be applied to your account if you Fail to make OR satisfy the required minimum monthly payment within 60 days of the respective due date. How Long Will the Penalty APR Apply? : If your APR is increased for either reason, the Penalty APR will apply until you make six consecutive minimum payments when due. If you do not make these six consecutive minimum payments, we may keep the Penalty APR on your account indefinitely.
PAYING INTEREST · Each due date will be 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 TIPSFROM THECONSUMERFINANCIAL PROTECTIONBUREAU · 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
ANNUALFEE · None
TRANSACTIONFEES ▪ BALANCETRANSFER FEE ▪ CASHADVANCEFEE ▪ CURRENCYCONVERSION TRANSACTIONFEE ▪ INTERNATIONALTRANSAC- TION FEE · $2.00 $5.00 or 2% of amount advanced, whichever is greater 1.0% of each transaction in U.S. dollars, if currency conversion occurs. 0.8% of each transaction in U.S. dollars, if no currency conversion occurs.
PENALTYFEES ▪ LATEPAYMENTFEE ▪ RETURNEDPAYMENTFEE ▪ OVER THELIMIT FEE · Up to $25.00 Up to $25.00 None
OTHERFEES ▪ CARD REPLACEMENTFEE ▪ COPYINGFEE ▪ PIN REPLACEMENTFEE ▪ 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. $2.00 $35.00 per card for expedited processing and delivery if available 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.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
The disclosures above are accurate as of the printing date of March 16, 2019 and are subject to change thereafter.
Please contact us for any information on any changes, call 888-929-2265 or by writing us at the following address: Armed Forces Bank, N.A. Attn: Credit Card Department PO Box 26458 Kansas City, MO 64196
