Interest Rates and 
Charges 
Annual Percentage Rate 
(“APR”) for Purchases 

18%. 

Penalty APR and  
When it Applies 

22%.  This APR may be applied to your account if  
you make a late payment.   

How long will the Penalty APR apply?  If your  
APRs are increased for the above reason, the  
Penalty APR will apply until you make six (6)  
consecutive payments of at least the minimum  
payment due. 
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.   
If you are charged interest, the charge will be no  
less than $0.50. 

None. 

$20 
$29 

None 

Paying Interest 

Minimum Interest 
Charge 
Fees 
Annual Fee 
Penalty Fees 

  Late Payment 
  Returned Payment 
  Over the Credit 

Limit 

The APRs shown in the above table are fixed rates and will not change after an  
account is opened.  Special promotional APRs may be available, which apply for  
differing promotional periods such as 6 months or 1 year. Supplemental disclosures  
showing promotional APRs, the length of the promotional period, and the APRs  
that will apply at the end of the promotional period would be provided to you if you  
are approved for any special pricing on promotional offers. 

Loss of Promotional APRs:  We may end any promotional APRs that you have 
been offered on Promotional Purchases or Special Promotional Items and apply  
the Penalty APR if you make a late payment. 

How We Will Calculate Your Balance: We use a method called the “average  
daily balance (including new advances)”. To get the “average daily balance” we take  
the beginning balance of your account each day, add any new advances, and subtract  
any payments or credits. This gives us the daily balance. Then we add up all the  
daily balances for the billing cycle and divide the total by the number of days in the  
billing cycle. This gives us the “average daily balance”.  

Cardholder Agreement 
1. Definitions. In this Agreement, “we”, “us” and “our” refer to UMB 
Bank, n.a. "You" and "your" refer, jointly and severally, to each individual who 
applies for or accepts a Card issued in connection with an Account we own, or 
if the application submitted to open the Account is a commercial application, 
the terms "you" and "your" refer to the Company identified in the application. 
“Account” means your account with us. “Card” or “Cards” refer to the cards 
accompanying this Agreement and the Account number issued in connection 
with your Account. “Advance” means any credit we extend to you under this 
Agreement. When you apply for a Card or when you accept a Card by signing, 

 
 
 
 
 
 
 
 
 
 
using or consenting to the use by others of your Card, you agree to the following 
terms and conditions. 
2. Use of Your Account. The terms and conditions in this Agreement govern 
your Card and all credit extended to you under this Agreement. You should 
sign your Card before you use it. The Card is our property, and you must surrender 
it to us upon our request. We may cancel your Card and privileges at any 
time. You hereby request us to issue a renewal Card on or before the expiration 
date. We may deny Card transactions if we have reasonable grounds to believe 
that the transaction may be fraudulent or unauthorized. We have no responsibility 
for any failure to honor your Card or for any retention of your Card by 
any machine, merchant, financial institution or any other person. You agree to 
use the Card only for legitimate purposes and not for any illegal transactions. 
3. Credit Limit. We have established for your Account the initial “Credit 
Limit” indicated on the accompanying Card Carrier to which your new Card is 
attached. We reserve the right at any time to increase or decrease your Credit 
Limit. You agree not to use or permit use of your Card for any Advance that (a) 
is in excess of your Unused Credit Limit (as defined below) at the time such 
Advance is made or (b) would cause the balance of your Account to exceed 
your Credit Limit. You further agree that we do not need to authorize or permit 
any such Advance. At any given time, your “Unused Credit Limit” will be equal 
to your Credit Limit minus the unpaid balance of your Account and minus all 
Advances made on, but not yet posted to, your Account. We don’t have to honor 
your Card or authorize any Advance if your Account is in default or if your 
credit privileges have been suspended or terminated. We may elect to authorize 
or make an Advance under circumstances (including those described above) 
where we are not obligated to do so, and by doing so we will not be deemed to 
have given up any of our rights or to have agreed to make any additional 
Advances under any of those circumstances. 
4. Promise to Pay. Subject to the terms of this Agreement, we agree to 
make Advances which are, at the time such Advance is to be made, not in excess 
of your Unused Credit Limit, to pay for the purchase of goods and services from 
any authorized merchant whose name appears on the Card accompanying this 
Agreement and the purchase of authorized credit insurance on your Account, if 
the purchases are made through the use of your Card or your Account. You 
agree to repay all Advances and all credit extended by us on your Account 
whether through the use of your Card or Account by you or by anyone authorized 
by you, or for which you are otherwise legally responsible. You agree to 
repay, in accordance with the terms of this Agreement, all Advances, Finance 
Charges and other charges as provided in this Agreement. If your Account is in 
the name of two or more persons, each of you is jointly and individually liable 
for the repayment of all credit extended under your Account, and each of you is 
authorized to request a change in your Credit Limit. 
5. Monthly Statements. We will send to you a monthly statement 
(“Monthly Statement”) that will show you all Advances, Finance Charges, payments, 
credits and other transactions on your Account during your most recent 
“Billing Period.” A Billing Period covers the approximate thirty (30) day period 
that ends on the “Statement Closing Date” reflected on each Monthly 
Statement, such Billing Period having begun on the day following the 
Statement Closing Date stated on the Previous Monthly Statement. Each 
Monthly Statement will show the total amount (“New Balance”) you owe us at 
the end of the Billing Period as a result of Advances, Finance Charges, other 
charges and payments and credits on your Account. 
Each Monthly Statement also will show a “Minimum Payment” that will 
be the total of (i) the minimum portion of the New Balance required to be paid 
under the Section of this Agreement below titled “Monthly Payment,” and (ii) 
any prior Minimum Payment remaining unpaid. The Minimum Payment will 

never exceed the New Balance. You agree to pay us, on or before the “Payment 
Due Date” shown on each Monthly Statement, the New Balance or, at your 
option, the Minimum Payment shown. The Payment Due Date always will be 
between 23 and 26 days after the Statement Closing Date of the Billing Period 
reflected on the Monthly Statement. 
Payments we receive by 10 a.m. on any banking day at the payment 
address shown on your Monthly Statement will be credited to your Account as 
of that day. Payments we receive at any other address may be subject to a delay 
in crediting of up to five (5) days after the date of receipt. 
For purposes of this Agreement, the “Current Monthly Statement” refers, 
at any given time, to the most recent Monthly Statement we have sent to you, 
the “Current Billing Period” refers to the Billing Period covered by the Current 
Monthly Statement, the “Previous Monthly Statement” refers to the Monthly 
Statement immediately preceding the Current Monthly Statement, and the 
“Previous Billing Period” refers to the Billing Period covered by the Previous 
Monthly Statement. 
6. Posting of Advances. Each Advance for the purchase of goods and 
services (a “Purchase”) (other than for the purchase of credit insurance) will be 
posted to your Account as of the date the Purchase was made. If, however, an 
Advance is made too late in a Billing Period to be posted on the Monthly 
Statement applicable to that Billing Period, such Advance will be posted as of 
the first day of the next Billing Period. Each Advance for the purchase of credit 
insurance will be posted to your Account on the last day of each applicable 
Billing Period. 
7. Promotional Programs; Same-as-Cash Purchases; Interest Deferral 
Period. 
(a) From time to time, you may be notified (on or by an insert in a 
Monthly Statement, in-store promotional literature, an advertisement in a publication 
or otherwise) of one or more promotional programs. Promotional programs 
that involve Advances for the purchase of goods or services of a stated 
type and amount on which periodic rate finance charges are deferred for a specified 
number of days (the “Deferral Period”), and that do not have to be repaid 
until the end of the Deferral Period, will be referred to as “Same-as-Cash 
Purchases.” The notice will refer to each such promotional program as “Sameas- 
Cash” and will describe the promotional period during which Same-as-Cash 
Purchases can be made, the dollar amount and type of purchases that qualify 
and the number of days in each Deferral Period. 
(b) Although the unpaid amount of each Same-as-Cash Purchase will be 
included in the New Balance reflected on your Monthly Statements, it will be 
excluded from your New Balance, for the duration of its Deferral Period, for 
purposes of calculating the minimum monthly payment you are required to 
make under the Section of this Agreement below titled “Monthly Payment.” 
Each amount so excluded will be called a “Deferral.” At the end of the Deferral 
Period, if the full amount of a Same-as-Cash Purchase has not been paid, the 
periodic rate finance charges that accrued on the Same-as-Cash Purchase during 
the prior Billing Periods of its Deferral Period, and a periodic rate finance 
charge on the unpaid balance of the Same-as-Cash Purchase for the Current 
Billing Period, will be charged to your Account. A periodic rate finance charge 
on a Same-as-Cash Purchase whose Deferral Period has expired will continue 
to be charged to your Account during each following Billing Period in which 
any portion of the Same-as-Cash Purchase remains unpaid. 
(c) If additional types of special promotional programs (in addition to 
Same-as-Cash programs) are offered to Cardmembers, the terms and conditions 
of each such program, together with appropriate disclosures and terms that 
modify and supplement those set forth in this Agreement, will be provided at or 
before the time a qualifying Advance can be made under such program. 

Advances made under such promotional programs will be referred to as 
“Promotional items.” 
(d) The “Transaction Information” section on the front of your Monthly 
Statement will reflect the amount of each Same-as-Cash Purchase and each 
Promotional item posted to your Account, together with the date on which the 
Deferral Period for a Same-as-Cash Purchase will expire. 
8. Finance Charge; Periodic Rate; Annual Percentage Rate; Grace 
Period. 
(a) Finance Charge; Minimum Finance Charge. Subject to the exceptions 
and conditions stated below, you agree to pay a “Finance Charge” on your 
Account. For any Billing Period in which a Finance Charge is due, the Finance 
Charge will be the greater of the Periodic Rate Finance Charge on your Account 
balance, see subsection (b) below, or the Minimum Finance Charge as set forth 
in the Table of Current Fees, below. The total Finance Charge, if any, charged 
to your Account each Billing Period will be shown in the “Account Summary” 
section on the front of the first page of each Monthly Statement. 
(b) Periodic Rate Finance Charge. Subject to the provisions of 
Subsection (d) below, the periodic rate finance charge will be calculated by 
multiplying the applicable periodic rate (described in Subsection (c) below) 
times the “Average Daily Balance” and each “Same-as-Cash Purchase (or 
Promotional item) Average Daily Balance of your Account for the Current 
Billing Period and, if applicable, times the Average Daily Balance of your 
Account for the Previous Billing Period. The Periodic Rate Finance Charge 
Information box on the front of the last page of your Monthly Statement will 
show your Average Daily Balance for the Current Billing Period. This information 
appears on the first line in the row titled “Purchases/Debits (Current 
Billing Period),” and, if applicable, will show your Average Daily Balance for 
the Previous Billing Period on the first line in the row titled “Purchases/Debits 
(Previous Billing Period).” Each Same-as-Cash Purchase (or Promotional 
item) Average Daily Balance for the Current Period will be disclosed as the 
“Current Promotional Average Daily Balance” in the “Transaction Information” 
section on the front of your Monthly Statement, below the particular Same-as- 
Cash Purchase or Promotional item to which it applies. 
To calculate the Average Daily Balance for the Current Billing Period, 
we add together the “Daily Balance” for each day in the Current Billing Period 
(exclusive of Same-as-Cash Purchases and other Promotional items) and divide 
the sum by the number of days in the Current Billing Period. To calculate each 
Same-as-Cash Purchase (or Promotional item) Average Daily Balance for the 
Current Billing Period, we add together the Same-as-Cash Purchase (or 
Promotional item) Daily Balance for each day in the Current Billing Period and 
divide that sum by the number of days in the Current Billing Period. 
We calculate the “Daily Balance” and the “Same-as-Cash Purchase (or 
Promotional item) Daily Balance” for each day in the Current Billing Period as 
follows: 
(1) If the New Balance (after subtracting all Deferrals) shown on your 
Previous Monthly Statement was zero or was paid in full within 25 days of the 
Statement Closing Date shown thereon, then the Daily Balance for each day in 
the Current Billing Period will be zero, and the Average Daily Balance will not 
be computed during the Current Billing Period. 
(2) If, however, the New Balance (after subtracting all Deferrals) shown 
on your Previous Monthly Statement was not paid in full within 25 days of the 
Statement Closing Date shown thereon, then the Daily Balance for each day in 
the Current Billing Period is calculated by taking the amount of all posted 
unpaid Advances (exclusive of Same-as-Cash Purchases and Promotional 
items) and return payment charges and documentation charges on your Account 
as of the beginning of that day, adding any new Advances (other than Same-as- 

Cash Purchases and Promotional items) and return payment charges and documentation 
charges posted to your Account as of that day, and subtracting any 
portion of any payments or credits posted to your Account as of that day that 
were applied against your posted unpaid Advances (other than Same-as-Cash 
Purchases and Promotional items) and return payment charges and documentation 
charges. 
(3) Each Same-as-Cash Purchase (or Promotional item) Daily Balance 
for each day in the Current Billing Period is equal to the difference between the 
original amount of the Same-as-Cash Purchase or Promotional item and the 
sum of all payments or credits posted to your Account prior to and as of that day 
that were applied against the Same-as-Cash Purchases or Promotional item. 
The Average Daily Balance for the Previous Billing Period (exclusive of 
Same-as-Cash Purchases and Promotional items) is calculated by adding 
together the Daily Balance for each day in the Previous Billing Period, and 
dividing that sum by the number of days in the Previous Billing Period. The 
Daily Balance for each day in the Previous Billing Period is calculated by taking 
the amount of all Advances (other than Same-as-Cash Purchases and 
Promotional Items) and return payment charges and documentation charges 
first posted to your Account during the Previous Billing Period that remain 
unpaid as of the beginning of that day, adding any new Advances (other than 
Same-as-Cash Purchases and Promotional Items) and return payment charges 
and documentation charges posted to your Account as of that day, and subtracting 
any portion of any payments or credits posted to your Account as of that day 
that were applied against your unpaid Advances (other than Same-as-Cash 
Purchases and Promotional Items) and return payment charges and documentation 
charges. 
(c) Periodic Rate and Annual Percentage Rate for Purchases. 
(i) The monthly periodic rate (and the corresponding Annual Percentage 
Rate) used to calculate the periodic rate finance charge on the Average Daily 
Balance in your Account will vary, depending on your payment history. The 
initial monthly periodic rate and the corresponding Annual Percentage Rate are 
set forth on the Card Carrier to which your new Card is attached. They are identified 
as the "Regular Monthly Periodic Rate" (or "Regular MPR") and the 
"Regular Annual Percentage Rate" (or "Regular APR"), respectively, on the 
Card Carrier. The Regular Monthly Periodic Rate (and the corresponding 
Regular Annual Percentage Rate) may increase if your payment history causes 
you to no longer qualify for that rate (see subsection (iii) below). The periodic 
rate will never exceed the maximum rate permitted by applicable law. Any 
increase in the periodic rate may result in an increase in the amount of any periodic 
rate finance charge charged on your Account. 
(ii) The monthly periodic rate (and the corresponding Annual Percentage 
Rate) used to calculate any periodic rate finance charge on a particular Same-as 
Cash Purchase (or Promotional item) Average Daily Balance of your Account 
is a fixed or variable rate, depending on what is stated in the printed material 
you receive in connection with the Same-as-Cash Purchase or Promotional 
item. The Monthly Periodic Rate for each Same-as-Cash Purchase and each 
Promotional item will be identified as the "Promotional Monthly Periodic 
Rate," followed by its "Corresponding Annual Percentage Rate" in the 
Transaction Information section on the front of your Monthly Statement, below 
the Same-as-Cash Purchase or Promotional item to which it applies. 
(iii) The Regular Monthly Periodic Rate and the corresponding Regular 
Annual Percentage Rate are applicable until such time as you fail to pay the 
Minimum Payment reflected on a Monthly Statement by the end of the Billing 
Period following the Billing Period covered by the applicable Monthly 
Statement (the "Next Billing Period"). If such a payment failure occurs, the 
Penalty Monthly Periodic Rate and the corresponding Penalty Annual 

Percentage Rate (see subsection (iv) below) apply. 
(iv) The Penalty Annual Percentage Rate is four (4) percentage points 
higher than the applicable Regular Annual Percentage Rate. The Penalty 
Monthly Periodic Rate and the corresponding Penalty Annual Percentage Rate 
that are applicable to your Account, if a payment failure described in subsection 
(iii) above occurs, are set forth on the Card Carrier to which your new Card is 
attached. The Penalty Monthly Periodic Rate and the corresponding Penalty 
Annual Percentage Rate will apply as of the beginning of the Next Billing 
Period, and will remain applicable until you have, for six (6) consecutive 
Billing Periods, paid the full Minimum Payment as shown on your Monthly 
Statements on or before the end of the respective Next Billing Period. At that 
time, the Regular Monthly Periodic Rate and the corresponding Regular Annual 
Percentage Rate will be applicable for the Next Billing Period and for all Billing 
Periods thereafter, unless you again fail to make a payment on time as described 
above. 
(v) The actual Annual Percentage Rate, taking into account all components 
of the Finance Charge (as described in subsection (a) above), if any, that 
was assessed on your Account during the Current Billing Period, is set forth 
after the line for "Annual Percentage Rate for Purchases" below the Periodic 
Rate Finance Charge Information box on the front of the last page of the 
Monthly Statement. 
(d) Grace Period. (i) Although a periodic rate finance charge will accrue 
monthly on a Same-as-Cash Purchase from the date as of which such purchase 
is first posted to your Account, the accrued periodic rate finance charges will 
not be charged to your Account if the full amount of the Same-as-Cash Purchase 
is paid by the end of its Deferral Period. At the end of the Deferral Period, however, 
if the the full amount of the Same-as-Cash Purchase has not been paid, the 
periodic rate finance charges that accrued on the Same-as-Cash Purchase during 
the prior Billing Periods of the Deferral Period, and a periodic rate finance 
charge on the unpaid balance of the Same-as-Cash Purchase for the Current 
Billing Period, will be charged to your Account. 
(ii) All other Advances (including Promotional items, but excluding 
Same-as-Cash Purchases) and return payment charges and documentation 
charges first posted to your Account during the Current Billing Period incur a 
periodic rate finance charge from the date as of which they are posted to your 
Account until they are paid in full, unless (1) the New Balance (after subtracting 
all Deferrals) shown on your Previous Monthly Statement was zero or was 
paid in full within 25 days of the Statement Closing date shown thereon, and (2) 
the New Balance (after subtracting all Deferrals) shown on your Current 
Monthly Statement is paid in full within 25 days of the Statement Closing Date 
shown thereon. If the conditions described in (1) and (2) above are both satisfied, 
you will avoid periodic rate finance charges on all Advances (including on 
Promotional items and other than accruals on Deferrals), return payment 
charges and documentation charges first posted during the Current Billing 
Period. If the condition described in (1) above (relating to the payment of your 
prior balance) is satisfied, but the condition described in (2) above (relating to 
the payment of your current balance) is not satisfied, then, at the beginning of 
the immediately following Billing Period, a periodic rate finance charge will be 
assessed on all Advances (including Promotional items, but excluding 
Deferrals) first posted to your Account during the Current Billing Period; the 
amount of such Finance Charge (exclusive of Finance Charges on Promotional 
items) will appear on your immediately following Monthly Statement, and will 
show the dollar amount of the Current Billing Period Average Daily Balance on 
which it was calculated (such Average Daily Balance will be identified on such 
following Monthly Statement as your “Average Daily Balance” for the 
“Previous Billing Period”). 

9. Monthly Payment. On or before the Payment Due Date shown on each 
Current Monthly Statement, you must pay at least a minimum portion of the 
New Balance (after subtracting all Deferrals) shown on the statement. If you 
are a consumer, the minimum payment is 3% of your New Balance with a minimum 
of $10 or such entire New Balance (after subtracting all Deferrals) if it is 
less than $10. If the application for your Account stated that the Account was 
to be used primarily for business or commercial purposes, the Monthly 
Statement may specify that the entire New Balance must be paid in full on or 
prior to the Payment Due Date. You may prepay the balance of your Account 
in part or in full at any time without a prepayment charge. 
If the check you mail us to make a payment on your Account is drawn 
on a consumer account, we may electronically collect the check. When we do 
this, we will send the information from your check, such as your bank’s routing 
number, your checking account number, your check number and the amount of 
your payment, to your bank electronically. Your bank will deduct the payment 
and show the transaction on your bank statement with our name as a one-time 
electronic debit. Your check number and a description such as “Account 
Payment” may also be included. Because we send the transaction electronically, 
we do not send the original check to your bank, and you will not receive it 
in your statement. We will destroy your original check and retain only an 
image. If your electronic payment is returned to us unpaid, we can resubmit the 
electronic payment as permitted by applicable payment system rules. 
10. Late Charge. If you fail to pay the minimum portion of your New 
Balance, as required in the Section of this Agreement above titled “Monthly 
Payment,” by the Statement Closing Date reflected on the next Monthly 
Statement (which will be approximately 30 days after the Statement Closing 
Date shown on the Current Monthly Statement), we may assess a late payment 
charge to your Account. The amount of the fee is set forth on the Card Carrier 
to which your new Card is attached. 
11. Application of Payments. Payments will be applied as we determine 
and in accordance with applicable law. We may, from time to time, change the 
method by which payments are applied. However, we will not apply any portion 
of your payments against Same-as-Cash Purchases during their respective 
Deferral Periods until the entire remaining balance of your Account has been 
paid in full. 
12. Returned Payment Charge. We may, to the extent permitted by applicable 
law, charge a returned payment charge to your Account for each check, 
draft or other similar instrument or an electronic debit sent to us as payment on 
your Account which is returned to us unpaid. The amount of the returned payment 
charge is set forth in the Table of Current Fees, below. If we convert your 
check to an electronic debit that is returned to us unpaid, the same return payment 
charge that applies to checks will apply to the electronic debit. 
13. Other Charges. To the extent permitted by law, if you request a duplicate 
Monthly Statement or if you request a duplicate check or other document, 
we may impose a charge determined by us. We may also make a charge to your 
Account, not to exceed $25, each time you request a reconciliation to your 
Account. These charges will not be imposed if your request is in connection 
with a written notice of a billing error. 
14. Liability. We have no responsibility for any merchandise purchased 
or services rendered to you through the use of your Card, except for liability 
that is specifically imposed on us by law. Subject to the rights granted to you by 
any applicable law, including the Fair Credit Billing Act, you agree to assert 
only against the seller of the merchandise or services, and not against us, all 
defenses, rights and claims which you may have relating to goods or services 
purchased through the use of your Card. 
15. Cancellation. We may, at any time, without liability to you and without 

affecting your obligation to pay all amounts you owe to us, cancel all credit 
available to you, suspend or terminate your Account and revoke your Card. 
All Cards are owned by us. You agree, upon our demand, to immediately surrender 
your Card to us cut in half. You agree that, even if your Card is revoked, 
you will remain responsible for all obligations which you incur under this 
Agreement. 
16. Delayed Enforcement. We may delay enforcing our rights under this 
Agreement without waiving those rights. Our failure to exercise any of our 
rights when you default does not mean we are unable to exercise those rights 
upon later default. We may accept late or partial payments, as well as payments 
marked “payment in full” or with other restrictive endorsements, without losing 
any of our rights under this Agreement. Any payment amount in excess of the 
Minimum Payment will not be applied in satisfaction of future Minimum 
Payments. 
17. Default. To the extent permitted by applicable law, and upon satisfaction 
of any notice requirements and/or expiration of any cure period required 
by applicable law, your Account will be in default and we may declare it to be 
immediately due and payable in full without giving you any other prior notice, 
and, thereafter, we may exercise any right or remedy under this Agreement and 
applicable law (including, without limitation, the right to revoke your Card 
privileges) if: you fail to make any required Minimum Payment by the Payment 
Due Date shown on your Monthly Statement; your balance at any time exceeds 
your Credit Limit; you fail to comply with any term of this Agreement; you die 
or become legally incompetent; you become insolvent or bankrupt; you provide 
us with false or misleading information or invalid signatures at any time; you 
fail to make any payment or perform any promise in any other agreement or 
obligation you owe us; or any judgment, lien, attachment or execution is issued 
against you or your property. 
18. Collection Charges. In the event we refer your Account to an attorney 
who is not our salaried employee, you agree to pay all charges and expenses, 
including reasonable attorney fees and litigation expenses, to the extent permitted 
by applicable law. This Section does not apply to you if you are a resident 
of the state of Nebraska, Iowa or any other state that prohibits contracting 
for or charging of attorney fees with or to its residents. 
19. Amendment. We can change the terms of this Agreement without 
notice to you, unless notice is required by law. If such notice is required by law, 
we will send you notice at your address shown on our records. Any amendment 
will become effective at the time we state in our notice to you or, if no notice is 
required, as permitted by applicable law. To the extent permitted by applicable 
law, the amended Agreement (including any higher Finance Charge or other 
charges) will apply to the entire unpaid balance existing on your Account before 
the amendment became effective. We may, at any time, add new credit services 
or replace your Card with another Card. 
20. Assignment of your Account. You may not assign or transfer your 
Account to another person. You agree that we may, at any time, assign and 
transfer your Account, this Agreement and our rights and obligations under this 
Agreement, without your consent or notice to you. The assignee of your 
Account and this Agreement shall be entitled to all of our rights under this 
Agreement. 
21. Refunds. No cash refunds will be made. Refunds for merchandise or 
services obtained through the use of your Card will be made only through credit 
slips from the company shown on the Card. 
22. Credit Information. You agree that we and any of our affiliate banks 
may share with one another, and use and rely upon, information which each may 
have relating to you and to the checking, credit, deposit, loan, savings and other 
accounts which you have, have had or may have in the future with us or them. 

You also agree we and any of our affiliate banks may make credit inquiries about 
you and, in response to credit inquiries, may give information about you and 
your Account to others. Your Card is issued as part of a Co-Brand relationship 
between us and the company shown on the Card. Since the co-brand Card provides 
you services or benefits from both us and that company, you agree that 
information concerning your Card and Account may be shared between us and 
that company from time to time. 
23. Governing Law. This Agreement, your Card, your Account and all 
transactions hereunder are governed by Missouri and Federal law. If you are an 
individual or a person doing business as a sole proprietor, the fees and charges 
that apply to your Account (other than the amount of the Finance Charge that is 
calculated by applying a Monthly Periodic Rate to your Average Daily Balance) 
will be governed by Nebraska law, as authorized by Missouri Revised Statutes 
Section 408.145. 
24. Severability. The invalidity of any provision of this Agreement shall 
not affect the validity of any other provision. 
25. Lost or Stolen Cards. If a Card is lost or stolen, we must be notified 
at once. You should also notify us if you think someone used your Card without 
your authorization. You may notify us by letter at the address set forth for 
Inquiries or Billing Errors at the end of this Agreement, or by telephone at (800) 
821-5184. You agree to give us complete cooperation in our efforts to recover 
any stolen Card and amounts due from unauthorized users and in prosecuting 
unauthorized users. 
26. Security Interest. The credit extended under this Agreement is not 
secured by any collateral, even if other agreements which you may have executed 
would otherwise secure it. We waive, but only with respect to indebtedness 
arising under this Agreement, any security interest which may otherwise 
secure the indebtedness arising under this Agreement. 
TABLE OF CURRENT FEES. 
The following table sets forth the current amount of certain fees referred to in 
this Agreement. 
Returned Payment Charge $25 
Minimum Finance Charge $0.50 
IMPORTANT INFORMATION ABOUT YOUR BILLING RIGHTS 
PERTAINING TO YOUR ACCOUNT 
Your Billing Rights - Keep This Notice for Future Use 
This notice contains important information about your rights and our 
responsibilities under the Fair Credit Billing Act. 
Notify Us in Case of Errors or Questions About Your Bill 
If you think your bill is wrong or if you need more information about a 
transaction on your bill, write to us on a separate sheet at the address listed on 
your bill. Write to us as soon as possible. We must hear from you no later than 
60 days after we sent you the first bill on which the error or problem appeared. 
You can telephone us, but doing so will not preserve your rights. 
In your letter, give the following information: 
• Your name and account number. 
• The dollar amount of the suspected error. 
• Describe the error and explain, if you can, why you believe there 
is an error. 
If you need more information, describe the item you are not sure about. 
If you have authorized us to pay your credit card bill automatically from your 
savings or checking account, you can stop the payment on any amount you think 
is wrong. To stop the payment, your letter must reach us three (3) business days 
before the automatic payment is scheduled to occur. 
Your Rights and Our Responsibilities AfterWe Receive YourWritten 
Notice 

We must acknowledge your letter within 30 days, unless we have corrected 
the error by then. Within 90 days, we must either correct the error or 
explain why we believe the bill was correct. 
After we receive your letter, we cannot try to collect any amount you 
question or report you as delinquent. We can continue to bill you the amount 
you question, including finance charges, and we can apply any unpaid amount 
against your credit limit. You do not have to pay any questioned amount while 
we are investigating, but you are still obligated to pay the parts of your bill that 
are not in question. 
If we find that we made a mistake on your bill, you will not have to pay 
any finance charges related to any questioned amount. If we did not make a mistake, 
you may have to pay finance charges, and you will have to make up any 
missed payments on the questioned amount. In either case, we will send you a 
statement of the amount you owe and the date that it is due. 
If you fail to pay the amount that we think you owe, we may report you 
as delinquent. However, if our explanation does not satisfy you and you write 
to us within ten (10) days telling us that you still refuse to pay, we must tell anyone 
we report you to that you have a question about your bill. And, we must tell 
you the name of anyone we reported you to. We must tell anyone we report you 
to that the matter has been settled between us when it finally is. 
If we do not follow these rules, we can not collect the first $50 of the 
questioned amount, even if your bill was correct. 
Special Rule for Credit Card Purchases 
If you have a problem with the quality of property or services that you 
purchased with a credit card, and you have tried in good faith to correct the 
problem with the merchant, you may have the right not to pay the remaining 
amount due on the property or services. There are two limitations on this right: 
(a) you must have made the purchase in your home state or, if not within your 
home state, within 100 miles of your current mailing address; and (b) the purchase 
price must have been more than $50. These limitations do not apply if we 
own or operate the merchant or if we mailed you the advertisement for the property 
or services. 
SEND INQUIRIES AND BILLING ERROR NOTICES TO 
Card Service Center, P.O. Box 419734, Kansas City, MO 64141-6734, or call 
(800) 553-7818. Telephoning us will not preserve your Billing Error Rights. 
IMPORTANT INFORMATION 
Change of Address 
If your name or address changes, please notify us of the change by writing 
to us on a separate sheet at Card Service Center, P.O. Box 419734, Kansas 
City, Missouri 64141-6734. 
Payments 
In order to be credited to your account on the date received, your payment 
must be accompanied by the top portion of your statement and must be 
received at P.O. Box 219736, Kansas City, MO 64121-9736 by 10 a.m. 
Payments received at such location after 10 a.m. will be credited on the following 
business day, and payments received at any other address will be credited 
promptly but may be delayed up to five (5) days.