Important Cost Information about our Credit Card

  Interest Rates and Charges

  Annual Percentage Rate (APR)
  for Purchases

14.24% to 18.24% based on your creditworthiness. This APR will vary with the
market based on the Prime Rate.

  APR for Cash Advances

25.00%. This APR will vary with the market based on the Prime Rate.

  APR for Balance Transfers

  Paying Interest 

0% introductory APR for the first 12 billing cycles for balances transferred within 60 days 
from account opening.  After the first 12 billing cycles,  and for Balance Transfers made 
more than 60 days from account opening, 14.24% to 18.24% (based on your credit 
worthiness) if your Balance Transfer is treated as a Purchase, or 25.00% if your Balance 
Transfer is treated as a Cash Advance. These APRs will vary with the market based on the 
Prime Rate.

Your due date is at least 21 days after the close of each billing cycle. We will not 
charge you interest on Purchases if you pay your entire balance by the due date 
each month.  Generally, we will begin charging interest on Cash Advances and 
Balance Transfers 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 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://consumerfinance.
gov/learnmore

  Fees

  Annual Fee

Transaction Fees

Balance Transfer

Cash Advance

•

•

•

None

Three percent (3%) of the amount of the Balance Transfer, with a $15 minimum and no 
maximum.

Three percent (3%) of the amount of the Cash Advance, with a $15 minimum and a $50 
maximum. 

Foreign Transaction

Two percent (2%) of the U. S. dollar amount of each Cash Advance or Purchase.

   Penalty Fees

•

•

Late Payment

Returned Payment

• Over the Credit Limit

Up to $35 

Up to $35

None

How We Will Calculate Your Balance:  We use a method called the “average daily balance (including new purchases)”. 
How we determine APRs:  The Purchase and Cash Advance APRs are determined by adding a Margin to the Prime Rate. The Prime Rate is the highest Prime Rate published in The Wall 
Street Journal Money Rates table on the fifteenth (15th) day of each month, or the next business day, if the 15th falls on a weekend or holiday. The APR for Purchases and Cash Advances 
will not exceed 25.00%.
Agreement and Disclosures: Applicant applies to UMB Bank, n.a. (“Issuer”) for a credit card account (“Account”), and certifies that the information given in the application is true and correct. 
The Applicant understands that if this application is approved with a credit line that is $5,000 or more, a Visa Signature® Card will be issued; if the credit line is less than $5,000, a Visa 
Platinum® Card will be issued. The benefits of Visa Platinum accounts differ from Visa Signature accounts. We will provide more information on the benefits with the Card. If approved, 
Applicant agrees to pay all charges when due in accordance with the Cardholder Agreement which will be sent with the Card(s). Applicant acknowledges receipt of the Important Cost 
Information disclosure on the reverse side of this application. Applicant authorizes the Issuer to obtain a credit report in connection with this application and from time to time after the 
Account is established, to verify that the Applicant continues to qualify for the Account. Issuer may verify Applicant’s credit, employment history and other information relating to the 
Applicant, and provide information to credit bureaus about the Issuer’s experience with Applicant.
Cardholder Agreement: For  additional  information  about  the  costs  and  terms  of  the  Account,  see  your  Cardholder  Agreement,  which  will  be  sent  with  the  Card.  The  Cardholder  Agreement 
and  the  Account  will  be  governed  by  Missouri  and  applicable  federal  law,  but  we  will  rely  on  the  provisions  of  Nebraska  law  with  respect  to  the  fees  and  charges  (other  than  interest)  that 
apply to your Account, as authorized by Missouri Revised Statutes Section 408.145. The Cardholder Agreement permits us to change the terms of this Account, including the rates, fees and 
other credit terms, upon notice to cardholder and subject to the provisions of applicable law.
Notice to Young Applicants: If you are under 21 years of age, Federal law prohibits us from approving your application for a credit card unless you demonstrate that you have the independent 
ability  to  make  the  required  payments  on  your  account,  or  unless  you  provide  a  guarantor  or  cosigner.  The  guarantor  or  cosigner  must  be  acceptable  to  us  and  must  sign  our  form  of   
guaranty agreement.
Important Information About Procedures For Opening A New Account:  Our bank complies with Section 326 of the USA PATRIOT Act.  This law mandates that we collect and verify certain 
information about you while processing your Account application. Please talk with a Bank representative if you have questions.
State  Disclosures:  (1)  MARRIED  WISCONSIN  RESIDENTS:  You  agree  that  (a)  no  provision  of  any  marital  property  agreement,  unilateral  statement  under  the  Wisconsin  Marital 
Property  Law  or  court  decree  will  adversely  affect  our  interests  unless,  prior  to  the  time  credit  is  granted,  we  are  given  a  copy  of  the  agreement,  statement,  or  decree  or  we  have 
actual  knowledge  of  the  adverse  provision.  (2)  CALIFORNIA  RESIDENTS:  An  applicant,  if  married,  may  apply  for  a  separate  account.  Applicants:  (1)  may,  after  credit  approval,  use  the 
credit card account up to its  credit  limit;  (2)  may  be  liable  for  amounts  extended  under  the  plan  to  any  joint  applicant.  As  required  by  law,  you  are  hereby  notified  that  a  negative  credit 
report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. (3) OHIO RESIDENTS: The Ohio laws against 
discrimination  require  that  all  creditors  make  credit  equally  available  to  all  credit  worthy  customers,  and  that  credit  reporting  agencies  maintain  separate  credit  histories  on  each 
individual  upon  request.  The  Ohio  Civil  Rights  Commission  administers  compliance  with  this  law.  (4)  NEW  YORK  RESIDENTS:  New  York  residents  may  contact  the  New  York  State 
Department  of  Financial  Services  by  telephone  or  visit  its  website  for  free  information  on  comparative  credit  card  rates,  fees  and  grace  periods.  NY  State  Dept  of  Financial  Services: 
1-800-342-3736  or  visiting  http://www.dfs.ny.gov/consumer/creditdebt.htm  (5)  NEW  YORK  AND  VERMONT  RESIDENTS:  We  may  obtain  your  credit  reports,  for  any  legitimate  purpose 
associated with the account or the application or request for an account, including but not limited to reviewing, modifying, renewing and collecting on your account. On your request, you 
will  be  informed  is  such  a  report  was  ordered.  If  so,  you  will  be  given  the  name  and  address  of  the  consumer  reporting  agency  furnishing  the  report.  (6)  DELAWARE  AND  OREGON 
RESIDENTS: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month. You may pay more than the minimum payment due, 
up to your entire outstanding balance, at any time.
Important:  Information  about  the  costs  of  credit  cards  as  shown  in  the  Important  Cost  Information  chart  is  accurate  as  of  February  1,  2016,  the  date  this  document  was  printed.  This 
information may  have  changed  after  that  date.  To  find  out  what  may  have  changed,  call  us  at  855.368.0410  or  write  to  us  at  UMB  Bank,  n.a.,  P.O.  Box  419734,  Kansas  City,  Missouri  
64141-6734.