Important Cost Information about our Credit Card  
 
PLEASE NOTE that this information is provided for general information purposes only and is not specific to your Account. 
See the Cardholder Agreement and Important Cost Information disclosure that was provided for your Account for more 
detailed information . This information is accurate as of May 1, 20 20. 
Interest Rates and  Charges  
Annual Percentage Rate (APR) for  
Purchases  14.24% to 24.24% based on your creditworthiness. This APR will vary with 
the market based on the Prime  Rate.  This APR will not exceed 32.00% .  
APR for Cash  Advances  26.24%. This APR will vary with the market based on the Prime Rate.  The APR will 
not exceed 32.00% . 
APR for Balance  Transfers  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 24.24% (based on your 
credit worthiness) if your Balance Transfer is treated as a Purchase, or 26.24% if your 
Balance Transfer is treated as a Cash Advance. These APRs will vary with the 
market based on the Prime  Rate.  
Paying  Interest  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 ch arged 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 None  
Transaction  Fees  
� Balance  Transfer  Three percent (3%) of the amount of the Balance Transfer, with a $15 minimum and 
no maximum.  
� Cash  Advance  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 Cas h Advance or Purchase.  
Penalty  Fees   
� Late Payment  Up to  $38 
� Returned Payment  Up to  $38 
� Over the Credit Limit  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 R ate 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 
32.00 %. 
Margin: We will add 10.99 % to 20.99 % to the Prime Rate to determine the APR for Purchases. We will add 22.99 % to the Prime Rate to determine the APR for Cash Advances.  
Cardholder Agreement: For additional information about the costs and terms of the Account, see your Cardholder Agreement, which will be sent with t he 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 t he fees and charges (other than interest) that apply to your 
Account, as authorized by Missouri Revised Statutes Section 408.145. T he 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 ag e, Federal law prohibits us from approving your application for a credit card unless you demonstrate that you have the indepe ndent 
ability to make the required payments on your account, or unless you provide a guarantor or cosigner. The guarantor or cosign er 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 sta tement 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 agre ement, 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 a ccount up to its credit limit; (2) 
may be liable for amounts extended under the plan to any joint appli cant. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submi tted to 
a credit reporting agency if you fail to fulfill the terms of your credit obligations. (3) OHIO RESIDENTS: The Ohio laws ag ainst 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 re quest. The Ohio Civil Rights Commission administer s 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 https://www.dfs.ny.gov/consumers/banking_money/credit_card_terms_and_fees (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 i f 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 May 1, 2020, 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 UM B Bank, n.a., P.O. Box 419734, Kansas City, Missouri 
64141 -6734.