CHA_ 20220 2F01_1 PRICING DISCLOSURES 
 
These Pricing Disclosur es are part of the Cardhol der Agreement. 
 
Interest Rates and Intere st Charges 
Annual Percentage Rate 
(APR) for Purchases 34.99% 
APR for Cash Advances 34.99%  
Paying Interest  Your due date will be a minimum of 21 days after the close of each billing 
cycle. We  will not charge interest on new purchases  if you pay your entire 
balance by the due date each month. We will begin charging interest on cash 
advances on the post date. 
Minimum Interest Charge If you are charged  interest, the cha rge will be no less than $1.00. 
Credit Card Tips from the 
Consumer Financial 
Protect ion Bureau To learn more about factors to cons ider when applying for or us ing a credit 
card, visit the website of the Consu mer Financ ial Protection Bureau at 
http://www .cons umerfinance.go v/learnmore. 
 
Fees 
Set-Up and Maintenance Fees 
 
 
 
 
 
 
 
 
 
Program  Fee 
 
Annual Fee 
 
 
Mon thly Servicing Fee Notice: The Annual Fee will be asses sed before you begin using your 
card and will reduce  the amount of credit you initially have available. 
Based on your initial credit limit of $300. 00, your initial available credit 
will only be $225.00 . 
 
You may still reject the plan, provided that you have not yet used the 
account or  paid a fee af ter receiving a billing statement.  If you reject the 
plan, you are  not respons ible for any fees or cha rges. 
 
$95.00 (one-time fee).  
 
$75.00 for first year 
After that, $48.00 annually. 
 
None for first year (introduc tory) 
After that, $99.00 annually ($8.25 per  month). 
Transaction Fees 
Cash Advance Fee  
None for first year (introduc tory).  After that, either $10.00 or 3 % of 
the amount of each cash advance, whichever is greater. 
Penalty Fees 
Late Payment Fee 
Returned Payment Fee  
Up to $41.00 
Up to $41.00 
 
How We Will Calculate Your Balance: We use a method called �Average Daily Balance (including new purchases).� 
See your cardholder agreement for more details. 
 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is included in the 
cardholder agreement and on the back of your monthly billing statement. 
 
Addi tional Information Regarding  Program Fee 
 
We require a one -time up front Program Fee of $ 95.00 to be paid in full before your Account is opened.  Once we have 
received and processed your payment of the Program Fee, your Account will be opened and you may activate and begin 
using your Card. Refer to the Section entitled �Refund Disclosure� for ad ditional information.    
Additional Information Regarding Interest Charges and Other Fees  
 
Your Account is subject to the following Interest Charges and Fees, each of which will be charged to your Account as 
a Purchase for the purpose of calculating Interest Charges:  
 
Interest Charges : 
 
Paying Interest Charges. You agree to pay us Interest Charges on your Account as described herein. Subject to any 
grace period for new Purchases as described in the next section, Interest Charges will be im posed beginning the date a 
Purchase or Cash Advance is posted to your Account and will continue to accrue until payment is posted.  
 
How to Avoid Paying Interest Charges on New Purchases (Grace Period). If you paid the New Balance on your 
prior monthly bill ing statement by the due date shown on that billing statement, we will not impose any Interest Charges 
on new Purchases, or any portion of a new Purchase, paid by the due date on your current monthly billing statement 
(which will be at least 21 days from t he billing cycle closing date). New Purchases are Purchases that first appear on 
your current billing statement. Cash Advances are subject to Interest Charges from the date the transaction is posted to 
your Account. Unlike Purchases, this means there is no  time in which you can pay the balance of Cash Advances in 
order to completely avoid Interest Charges on Cash Advances.  
 
Daily Periodic Rate and Corresponding ANNUAL PERCENTAGE RATE (APR). Interest Charges for Purchases 
and Cash Advances are calculated at a daily periodic rate of 0.09585%, which is a corresponding ANNUAL 
PERCENTAGE RATE (APR) of 34.99%. We calculate the daily periodic rate by dividing the APR by 365. Subject 
to any grace period, the APR applied to Purchases will be applied to Fees assessed to your Account.  
 
How We Calculate Interest Charges � We use the Average Daily Balance Method (Including New Purchases) to 
calculate the Interest Charges for each billing cycle. We calculate the Interest Charges separately on the Purchase 
balance and the Cash Advance balance that is subject to an APR. We figure the Interest Charges on the Purchase balance 
and Cash Advance b alance by multiplying the Average Daily Balance for each balance by the Daily Periodic Rate that 
applies to that balance. We then multiply that amount by the number of days in the billing cycle. The result is the Interest 
Charges for that balance.  
 
How We Calculate Average Daily Balance � We calculate the Daily Balance as follows: (1) we take the previous 
day�s balance (which may include unpaid interest), (2) add new Purchases (including Fees and other charges) to the 
Purchase balance and Cash Advances to t he Cash Advance balance, (3) add any interest accrued on the previous day�s 
balance (this results in daily compounding of interest), and (4) subtract any payments or credits as of the date posted to 
your Account, and any other adjustments as of the day the y are credited to your Account. We figure the Average Daily 
Balance (shown as the Balance Subject to Interest Rate on your statement) separately for Purchases and Cash Advances 
for each billing cycle. We do this by (A) adding up the Daily Balances for each  balance type, and (B) dividing the result 
for each balance type by the number of days in the billing cycle. This gives us the Average Daily Balance . If a Daily 
Balance is negative, we treat it as zero.  
 
Minimum Interest Charge. In any month in which an Interest Charge is due, if that Interest Charge is less than $1.00, 
we may charge you a minimum Interest Charge of $1.00. Notwithstanding the foregoing, during the first 12 months your 
Account is open, any Interest Charges assessed on your Account will be equal to the actual accrued interest.  
 
Fees : 
 
Annual Fee . Your Account will be assessed an Annual Fee of $75.00 when your Account is opened and $48.00 every 
twelve months thereafter whether or not you use your Account. The Annual Fee is non -refundable exce pt as provided 
in the Section below entitled �Refund Disclosure.� Your payment of the Annual Fee does not affect our right to close 
your Account. The Annual Fee will not be billed to your Account after your Account is closed. The Annual Fee will be 
pro-rated based on when the Account is reopened and the Card is re -issued.  
 
Monthly Servicing Fee. Your Account will not be charged a Monthly Servicing Fee for the first year (introductory) 
following Account opening. Each month thereafter, your Account will be charged a Monthly Servicing Fee of $ 8.25 per 
month ($99. 00 annually). This fee will be billed until your Account is closed and the balance is $20.00 or less.  
 
 
  Cash Advance Fee.  In addition to the periodic Interest Charge we assess on Cash Advances, each  time you obtain a 
Cash Advance, we will impose a transaction fee of $10.00 or 3% of the amount of each Cash Advance, whichever is 
greater. Notwithstanding the foregoing, your Account will not be charged any Cash Advance fees for the first year 
(introducto ry) following Account opening.  
 
Late Payment Fee.  If we do not receive payment from you in at least the amount of your Total Minimum Payment 
Due by the due date shown on your monthly billing statement, you will be charged a Late Payment Fee. The fee will be 
the lesser of (a ) $30.00 if you did not incur a Late Payment Fee during any of the prior six billing periods; otherwise  
$41.00, or (b) your past due Total Minimum Payment Due amount.  
 
Returned Payment Fee.  If any check or other item tendered in payment  of the amount due on your Account is returned 
unpaid for any reason, you will be charged a Returned Payment Fee. The fee will be the lesser of (a) $30.00 if you did 
not incur a Returned Payment Fee during any of the prior six billing periods; otherwise $41.00, or (b) your past due 
Total Minimum Payment Due amount.  
 
Additional Card Fee. If you authorize us to issue an additional Card for an Authorized User, an Additional Card Fee 
of $29.00 will be imposed annually for each additional Card. This fee will be assessed at the time you request each 
Additional Card and annually thereafter following each anniversary date of your Account opening, whether or not the 
additional Card is used . This will reduce your initial available credit by the amount of the fee(s) . The Additional Card 
Fee is non -refundable except as provided in the Section below entitled �Refund Disclosure.� The Additional Card Fee 
will be pro -rated the first year based on when the additional Card is issued.  
 
Premium Plastic Card Design Fee.  If you  choose to select a Premium Plastic Card Design, you authorize us to bill a 
one-time Premium Plastic Card Design Fee to your account. The cost of the selected card will be disclosed to you at the 
time you select it, however, will never exceed $10.00. The P remium Plastic Card Design Fee is refundable if you request 
to cancel the Premium Card Design and notify us of your election within thirty (30) days or one billing cycle (whichever 
is less) after the fee appears on your monthly billing statement.  
 
Credit Limit Increase Fee.  After your Account has been open for at least one year, a fee of 20% of the amount of any 
increase in your credit limit may be charged to your Account as a Credit Limit Increase Fee. For example: if your credit 
limit is increased by $1 00, a $20.00 Credit Limit Increase Fee will be assessed, which will result in additional available 
credit of $80.00 on your Account. This fee is automatically assessed upon your acceptance of each credit limit increase.  
 
Express Delivery Fee. We impose a $ 35.00 fee for the express delivery of your Card.  
 
Copying Fee.  If you request duplicates of any monthly billing statement or other document, a copying charge of  $3.00 
may be imposed for each copy we provide , unless the request is made in connection with  a bona fide billing error dispute. VISA�  CARD HOLDER AGREEMENT 
 
THIS CARDHOLDER AGREEMENT CONTAINS AN ARBITRATION PROVISION.  UNLESS YOU ACT 
PROMPTLY TO REJECT THE ARBITRATION PROVISI ON, IT WILL HAVE  A SUBSTANTIAL EFFECT 
ON YOUR RIGHTS IN THE EVENT OF A DISPUTE, INCLUDING YOUR RIGHT TO BRING OR 
PART ICIPATE IN A CLASS ACTION. 
 
This cardholder agreement (�Agreement�) contains the terms and conditions under which The Bank of Missouri has 
agreed to establish a Vis a credit card Account (�Account�) for you. The accompanying Pricing Disclosures are part of 
this Agreement. This Agreement contains our most current terms and supersedes any prior terms you may have received 
from us. Please  read this Agreement carefully and retain  it for your future reference. 
 
Accep tance of Agreement. Use of the Card or Account by you or an Authorized User  shall constitute your agreement to 
the terms and conditions of this Agreement. Whenever stated in this Agreement that we may take certain described 
actions, this permits us to do so at our sole discretion. 
 
Effective Date of Agreement. Unless you are a resident of the State  of New York, this Agreement is effective upon the 
earlier of (1) the first Purchase made or Cash Advance taken on your Account, and (2) the expiration of 30 days from 
the date we deliver this Agreement to you if you do not provide us written notice of your desire to cancel within this 30 
days. If you are a resident of the State  of New York, this Agreement is not effective until the first Purchase made or 
Cash Advance taken on your Account. In all cases,  if any Fees are required to be paid prior to opening your Account, 
this Agreement will not be effective and your Account will not be opened until such Fees are paid in full. You are not 
obligated to pay any Fees or Interest Charges (other than any Fees required to be paid prior to opening your Account) 
until this Agreement is effective. 
 
Defined Terms 
 
 
�You� and �your� mean each person who applied for the Account, each person to whom The Bank of Missouri issues a 
Card. 
 
�We,� �us,� �our,� means The Bank of Missouri, St. Robert, Missouri, and our agents, authorized representatives, 
successors, and assignees or other holders of this Agreement or your Account. 
 
�Authorized User� means anyone who uses a Card or your Account with your consent. 
 
�Card� means any Visa credit card issued in connection with your Account, including all renewals and substitutions. It 
also means any other access device for your Account we give you that allows you to obtain credit, including any 
Account number. 
 
�Cash Ad vance� means each of the following transactions: (a) a transaction drawing upon your Account using your 
Card and PIN (described below) at an ATM that bears the Visa�  logo; (b) a transaction at any participating Visa� 
financial institution drawing upon your Accoun t; (c) an electronic or other transfer of funds initiated  by us, at your 
request (i.e., we sign the check as the drawer), drawing upon your Account; (d) use of a check provided by us (i.e., you 
sign the check as the drawer) drawing upon your Account; (e) a transaction and the fees associated with using your 
Card to purchase cash equivalents, including wire transfers, money orders, and travelers� checks; and (f) any other 
method of obtaining a cash loan. 
 
�Fees � means charges imposed on your Account as described in this Agreement that are not based on an Annual  
Percentage Rate.  
 
�Interest Charges� means any charges to your Accoun t based on the applicati on of an Annual Percentage Rate. 
 
�New  Balance� means the outstanding balance of your Account at the end of any billing cycle. 
 
�Purchase� includes (a)  a transaction using your Card to purchase or lease  goods or services from one who honors 
the Card; (b) any other Account related  Fees; and (c) any other transaction that is not otherwise a Cash Advance. 
 
Other important words used in this Agreement begin with capital letters. They are defined throughout this Agreement. 
 
 
   
Using  Your Card 
 
Permitted U ses. You may use your Card and your Account to make Purchases wherever your Card is accepted, 
provided your Account is in good standing and you have available credit. Each time you use your Card, either for a 
Purchase or a Cash Advance, you are requesting us to make a loan to you for the amount of the Purchase or the Cash 
Advance. If you use your Account number to make a Purchase or obtain a Cash Advance without presenting your Card 
(such as for a mail order , telephone or internet purchase), the legal effect will be the same as if you used the Card itse lf.  
Each Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid in 
accordance with the terms of this Agreement. 
 
Cash Advances. You may use your Card to obtain Cash Advances if your Account has been open for at least the later of 
ninety (90) days or three completed billing cycles, is not past due and you have available credit for Cash Advances. You 
may obtain Cash Advances from an Automated Teller Machine (�ATM�) or through a bank teller. However, the total of 
your unpaid Cash Advances may not exceed one-half of your credit limit. Cash Advance amounts may also  be 
subject to limits imposed by banks and ATM operators. 
 
Prohibited Uses. You may not use your Card outside the United States, or to make a charge in a foreign currency. 
The Card may not be used for any illegal transactions. The Card may not be used for online gambling transactions or 
at an automated fuel pump. You further acknowledge that your Card will be for personal use and may not be used for 
business purposes. If you use, or allow someone else to use your Card or Account for any prohibited purpose, you will 
be responsible for such use and may be required to reimburse us for all amounts or expenses we pay as a result of such 
use. 
 
Card. You agree to sign the back of the Card issued to you in connection with your Account immediately upon receipt. 
The Card is valid during the dates provided on the front. The Card is our property, and you will return it to us or destroy 
it if we ask. 
 
PIN. Upon your request, you may be assigned a personal identification number (�PIN�). With a PIN, you may use your 
Card to obtain Cash Advances from an ATM. You should keep your PIN secure and not write it down, give it to anyone, 
or keep it with your Card. If you lose your Card or believe that someone has gained unauthorized access to your PIN, 
you must contact us immediately. You may request or change your PIN by calling us at (877) 259-3755 . 
 
Credit  Limit. Your credit limit is the maximum amount of credit we have approved for your Accoun t. Your credit 
limit will be disclosed to you when your Card is issued and will also appear on your monthly billing statement. You 
agree not to make any Purchase or obtain any Cash Advance that would cause the unpaid balance of your Account to 
exceed your credit limit. The total of your unpaid Cash Advances may not exceed one-half of your credit limit. You agree 
that we may change your credit limit at any time without affecting your obligation to pay the amounts you owe under 
this Agreement. At our sole discretion, we may honor Purchases or Cash Advances in excess of your credit limit without 
raising your credit limit. If we do, we may require you to pay us any amount over your credit limit immediately. If we 
have previously allowed your balance to exceed your credit limit, it does not mean that we will permit your balance 
to exceed your credit limit again. See the next section with respect to credit limit increases.  
 
Credit  Limit Incre ases. Through notification from us or upon your request, your Account may be reviewed for a 
credit limit increase after being open for at least twelve (12) billing cycles. If you accept a credit limit increase offer, a 
Credit Limit Increase Fee will be assessed  to your account. Please  refer to the Pricing Discl osures for more 
information about the Credit Limit Increase Fee. We reserve the right to decline your request for a credit limit increase in  
our sole discretion. 
 
Lost or Stolen Card; Liability for Unauthorized  Use. You will take reasonable steps to prevent the unauthorized use 
of your Card and Account. If your Card is lost or stolen, or you think someone used your Account without your 
permission, tell us immediately by notifying us by phone at (877) 259-3755  or in writing at PO Box 89028 , Sioux 
Falls, South Dakota 57109-9028 . You will not be liable for unauthorized use of your Card or Account. Certain 
exceptions apply. You agree to cooperate in  our investigation of the unauthorized use and provide any information we 
deem necessary to our investigation. We will send you a new Card with a new account number to replace the Card that 
was lost or stolen. Although you will be issued a new accou nt number, you will not be considered to have opened a 
new account, and any existing balance will be transferred to the replacement account. Please  see �Your Billing Rights� 
section below for more details.  
 
Declines  and Authorizations. You agree that we shall have no liability if any merchant or bank refuses to honor your 
Card or Account number, if an ATM or other device fails to properly operate, or if services are unavailable due to 
circumstances beyond our control (such as system failures, fires, floods, natural disasters, or other unpredictable  events). Some transactions on your Account will require prior approval. These prior approvals are called 
�authorizations.� We may limit the number of authorizations we will give your Account during any certain period of 
time (day, weekend, week) and we may deny an authorization if we suspect that your Account is being used without 
your permission. If our authorization system is not working fully, we may be unable to give an authorization even 
though the transaction would not exceed your credit limit. For security reasons, we cannot explain the details of how 
the authorization system works. You agree that we will not be liable for failing to give an authorization. We are not 
obligated to honor every transaction, even if you have available credit. We may decline a transaction on your Account at 
our discretion for any reason including the following: because of operational considerations, because your Account is in 
default, or if we suspect fraudulent or unlawful activity. We are not responsible for any losses if a transaction on your 
Account is declined for any reason, whether by us or a third party, even if you have sufficient credit available. If the 
authorization is denied, we may notify the person who attempted the transaction that it has been refused. Transactions 
at some participating merchants (such as hotels, car rental companies, and restaurants) may result in authorizations for 
amounts greater than the actual purchase amount, which will have the effect of making less credit available on your 
Account for several days (usually until the date the actual purchase amount is received from the merchant). 
 
Authorized Users. If another person is given access to your Account with your express or implied permission, 
notwithstanding the provision above, that person is an Authorized User, even if we did not issue an additional Card in 
the Authorized User�s name. At your request, and if we agree, we may issue an additional Card in the name of an 
Authorized User  with your Account number. You will be responsible for all charges, Cash Advances, Interest Charges, 
Purchases and Fees incurred by any Authorized User. We are not required to try to obtain payment from any Authorized 
User before requiring payment from you. You and each Authorized User  agree that we may report Account information 
to consumer reporting agencies in the names of both you and the Authorized User. 
 
Removing an Authorized User. If you want to remove an Authorized User from the Account, you must contact us as 
provided on your monthly billing statement and request their removal. We will have a reasonable amount of time after 
your request to research the situation and remove them. You also must immediately destroy all Cards in their 
possession and cancel all of their billing arrangements to the Account. We will not do this for you. During this time, 
you still will be responsible for all amounts they charge to the Account. You will be responsible even if these amounts 
do not appear on the Account until later. An Authorized User may remove themselves from the Account upon request. 
We may close your existing Account and/or issue a new Card with a new Account number. 
 
Transactions Made in Foreign Currencies. Although charges outside the United States  or in a foreign currency are 
not allowed, if you make a charge in a foreign currency, the exchange rate for the transaction will be either (a) a rate 
selected  by Visa from the range of rates available in wholesale currency markets for the applicable central processing 
date, which rate may vary from the rate Visa itself receives, or (b) the government-mandated rate in effect for the 
applicable central processing date. 
 
Payments 
 
 
Your Promise to Pay. You promise to pay to us all amounts advanced to you (including amounts advanced to any 
Authorized User) under this Agreement, plus all Fees and Interest Charges assessed on those amounts, and all other 
charges, costs, and fees which you incur under the terms of this Agreement. 
 
Total Minimum Payment Due.  You may pay any or all of the amounts you owe at any time without penalty, but you 
must pay at least the Total Minimum Payment Due each month on or before the due date in order to maintain your 
credit privileges. The �Total Minimum Payment Due� is comprised of the Monthly Payment plus any amount past 
due, as reflected  on the monthly billing statement. If the New Balance shown on your statement is $41.00 or less, the 
�Mon thly Payment� is the New Balance. If the New Balance exceeds $41.00, the Monthly Payment is the greater  of (a) 
five percent (5%) of your New Balance at the end of the billing cycle (rounded up to the nearest dollar) or (b) $41.00.  
The Total Minimum Payment Due may also include the amount by which your New Balance exceeds your credit limit 
(�Over Credit Limit Amount�). Failure to pay the Over Credit Limit Amount as requested  on your monthly billing 
statement will not, by itself, cause your Accoun t to be delinquent. The Total Minimum Payment Due is due by the due 
date shown on the monthly billing statement (the due date will be at least twenty-one (21) days from the billing cycle 
closing date) and payments must be made to The Bank of Missouri at the address shown on the monthly billing 
statement. Merchandise refunds, Fee or Interest Charge reversals or other credits to your Account will be applied 
towards your outstanding balance, but will not be treated  as payments for purposes of satisfying your obligation to 
make the next Total Minimum Payment Due. 
 
Payment Instructions. Payments received in Proper Form by 5:00 p.m. CST on a business day will be credited as of 
the date received. Payments received after 5:00 p.m. CST on a business day and payments made on a Saturday, Sunday, 
or bank holiday will be credited to your Account the next business day.  We may, in our discretion, accept payments not  received in Proper Form, but crediting of such payments may be delayed up to five business days following receipt. 
Delayed crediting may cause you to incur a Late Payment Fee and additional Interest Charges. �Proper Form� means 
that a payment sent by mail or courier follows these guidelines: 
� Payments must be sent to the address on the payment coupon of your monthly billing statement. 
� Payments must be made by personal check, money order, cashier�s check, or guaranteed funds (described below) in 
U.S. dollars payable to The Bank of Missouri. 
� All checks or negotiable instruments must be drawn on a U.S. financial institution and contain proper signatures 
and consistent numeric and written amounts. 
� Payments must not be in the form of cash or third-party checks. 
� Your payment coupon must be included with your payment. If your payment coupon is not included, your name 
and account number must be printed legibly on your check or negotiable instrument. 
Payments not made in guaranteed funds may not create available credit for up to fourteen (14) days to allow the  payment 
to clear or even longer if circumstances warrant an additional hold, or if we deem ourselves at risk for any reason. 
Guaranteed funds  that are accepted include payments in the form of bank or postal money orders, bank  cashier�s checks, 
and PayNearMe . This list may change. Please call customer  service for a current list of payments accepted as guaranteed 
funds. Third -party payments are subject to review and  may not immediately create available credit. At our discretion, 
we may accept late or partial payments , as well as  payments that are marked �paid in full� or other restrictive 
endorsements, without losing  any of our rights under this  Agreement. You agree that we need not examine any payment 
check to confirm that it is not postdated, and that we may deposit  any postdated check for payment to us on the day we 
receive it. Satisfaction of a debt for less than the full  amount due or imposition of any other term or condition on us 
requires a written agreement, signed by our authorized  representative. All written communications concerning disputed 
amounts, including a check or other payment  instrument that (a) indicates that the payment constitutes �payment in full� 
or is otherwise tendered as full satisfaction  of a disputed amount or (b) is tendered with other con ditions or limitations, 
must be marked or delivered to us at the  address for billing inquiries shown on your monthly billing statement, not at 
the payment address. You waive  presentment for payment, protest, notice of non -payment and of protest, and agree to 
any extensions of time of payment  and partial payment before, at, or after maturity. You may at any time pay more than 
your minimum payment or pay off  your entire balance in full without any additional charge for prepayment. No matter 
how large your pay ment is in one billing cycle, you will need to make a payment in the following cycle if you have an 
outstanding balance. You are  not authorized to use your available credit to make a payment on your Account and we 
may refuse such payments in  our sole discr etion. We may resubmit and electronically collect returned payments. We 
may also adjust your Account as necessary to correct errors, to process returned and reversed payments, and to handle 
similar issues.  
 
How We Apply Payments. Payments will be applied in a manner we determine in accordance with applicable law, 
and the applicati on of payments may change from time to time. 
 
Credit  Balances. You may not maintain a  credit balance on your Account. If payments cause a credit balance, your 
Account may be temporarily suspended and subject to further review. We may reject and return to you any payment 
that creates a credit balance on your Account. Any credit balance we allow will not be available until we confirm that 
your payment has cleared. You may contact us as provided on your monthly billing statement and request a refund of 
any available credit balance of $1.00 or more. If you contact us in writing, we will refund your credit balance within 7 
business days from our receipt of your written request. If you do not request a refund, we will apply credit balances to 
future amounts you owe us unless a refund is required by law. 
 
Electronic Check Presentment. By sending us a check as payment, you authorize us to use information on your check 
to make a one-time electronic funds transfer from your account at the financial institution indicated  on your check or 
to process the payment as a check transaction. When we use information from your check to make an elect ronic funds 
transfer, funds may be withdrawn from your bank account as soon as the same day we receive payment. If your check 
is processed  elect ronically, your canceled  check will not be returned to you by your financial i nstitution. We will retain  
an image of your elect ronically processed  check(s) as required by law. If requested  prior to the time we are allowed by 
law to destroy elect ronically processed  checks, we will provide you with a copy of your elect ronically processed 
check(s) upon your request. 
 
Monthly Billing  Statements, Communications and Information About You 
 
Monthly Billing  Statements. We will send you a monthly billing statement at the end of each monthly billing cycle in  
which your Account has a debit or credit balance of more than $1.00, if an Interest Charge has been imposed or if other 
Account activity has occurred. Your statement will arrive around the same time each month; however, we reserve the 
right to change the date of your billing cycle at any time to the extent permitted by law. The statements we send to you 
will reflect the activity and our Interest Charges, Fees and other charges on your Account during the immediately preceding 
monthly billing cycle. They will also show your Total Minimum Payment Due and the due date by which we must  receive payment. The information contained on the statement will be deemed to be correct unless you notify us in 
accordance with the Section below entitled  �Your Billing Rights�. 
 
Descrip tion of E-Statements. You may elect to have your monthly billing statements and other required disclosures 
accompanying your monthly billing statements (�E-Statements�) for your Account delivered to you electronically in 
place of paper disclosures. You may sign up for the E-Statement service or cancel the E-Statement service at any time 
by logging into your Account at www.myccpay.com. Your use of the E-Statement service will be subject to the 
additional terms and conditions presented to you at the time of your enrollment for E-Statements. 
 
Communication with You. We may contact you from time to time regarding your Account. We (and our affiliates, 
agents  and contractors) may contact you in any manner we choose to the extent allowed by applicable law. For example, 
we may contact you:  
(1) by mail, telephone, email, or text message;  
(2) by using an automated dialing or similar device (�autodialer�);  
(3) at your home and  at your place of employment;  
(4) on your mobile, wireless or cellular telephone or similar device, which may result in charges to you;  
(5) at any time, including weekends and holidays;  
(6) with any frequency;  
(7) by leaving prerecorded and other messages on your answeri ng machine/service and with others; and  
(8) by identifying ourselves, your relationship with us and our purpose for contacting you even if others might hear  or 
read it.  
We may monitor or record any conversation or other communication with you. Unless the law s tates we cannot, we  may 
modify or suppress caller ID and similar services and identify ourselves on these services in any manner we  choose. 
You also agree that we may contact you using phone numbers, addresses and email addresses we obtain from  public and 
nonpublic databases we may lawfully access. Where allowed by law, we also may contact other individuals who may 
be able to provide updated employment, location, and contact information for you.  Some of the legal  purposes for calls 
and messages include: sus pected fraud or identity theft; obtaining information; transactions on or  servicing of your 
Account; collecting on your Account; and providing you information about certain products , services and promotions.  
 
Account Alert  Service. Through our Account Alert Service, we will send certain alerts about your Account. You 
expressly agree that we may send you Account Alerts through email messages, SMS text messages to mobile numbers 
you provide to us or any other means we may make available to you from time to time. You may adjust Account Alert 
and delivery preferences at any time by logging into your Account at www.myccpay.com. Account Ale rts sent via SMS 
text messages can also be cancelled  at any time by texting the reply �STOP� from your mobile phone. You are 
responsible for any fees or other charges that your wireless  carrier may charge for any related data or message services, 
including without limitation SMS text services. You agree that Account Alerts may not be encrypted, and may include 
your name and information pertaining to your Account. Receipt of any Account Alert may be delayed, or prevented 
by factors affecting your Internet service provider, phone operator, and other relevant entities. We offer Account Alerts 
solely as a convenience to you. We neither guarantee the delivery or the accuracy of the contents of any Account Alert. 
We will not be liable for losses or damages arising from (a) non-delivery, delayed delivery, or wrong delivery of any 
Account Alert; (b) inaccurate content in an Account Alert; (c) your use or reliance on the contents of any Account Alert 
for any purposes. We reserve the right to terminate any request from you for any Account Alert, at any time. The 
information in any Account Alert may be subject to certain time lags and/or delays. We may terminate or suspend the 
Account Alert Service at any time without notice. 
 
Your Consent  for Calls and/or Text Messages to Your Mobile Phone. When you give us or we obtain your mobile 
telephone number, you expressly agree that we (and our affiliates, agents and contractors) may contact you at this 
number using an autodialer and can also leave prerecorded and other messages, including text messages. We may do 
these things whether we contact you or you contact us. You agree you will be responsible for any fees or charges you 
incur as a result of incoming calls or text messages from us, from our affiliates or from any third party acting on behalf of 
us or our affiliates. Y ou agree that your consent to receive these calls and/or text messages sent to your mobile phone 
may be revoked only by providing written notice of your revocation to us at the Notice address set forth below, and that 
such revocation notice will state your name, mailing address, specific telephone number(s) for which the revocation 
applies, and at least the last four digits of your Account number so that we may identify you and your Account. 
 
Visa Ac count Updater. Accounts with Cards bearing the Visa logo are automatically enrolled in  the �Visa Account 
Updater� feature required by Visa.  This feature enables the elect ronic exchange of Account information between Visa 
and participating merchants to support payment continuity with credential-on-file merchants. Visa  will securely 
provide updated credit card information when your Card is re-issued for any reason or is closed. To opt-out of the Visa  
Account Updater feature for your Account, if applicable, please  contact us by calling the number on the back of your 
Card. 
  Notices. Any notice required to be provided to you under this Agreement shall be given to you at your residence 
address shown on our records and shall be effective when sent by first-class mail, unless otherwise required by Missouri 
law. You agree to advise us promptly of any change in your address. Any notice from you to us shall be sent to PO Box 
89028 , Sioux Falls, South Dakota 57109-9028  or to such other address as we may give you and shall be effective when 
received by us. We may, at our discretion, accept mailing address corrections from the United States  Postal Se rvice. 
 
Privacy Notice . The privacy notice  for The Bank of Missouri is provided separately in accorda nce with applicable 
law. 
 
Your Account Information. We need current information about you to manage your Account. The information we  
need includes: (1) your legal name; (2) a valid U.S. mailing address and residential address (if different); (3) your email 
address; (4) your social security number or other government identi fication  number;  (5) your telephone number(s); and 
(6) your employment and income information. You are responsible for promptly notifying us when this information 
changes. We may require you to provide additional documents that are acceptable to us to veri fy this information or any 
changes. We maintain the right to restrict or close your Account if your information cannot be verified or if you do not 
provide additional information as requested.  
 
Credit  Information. We are entitled under applicable law, incl uding the Fair Credit Reporting Act, to obtain 
information about you from a credit reporting agency and we may also verify your credit references and other 
information that you provide to us. We may obtain updated or additional information about you, inclu ding consumer 
reports, for any legitimate purpose including, but not limited to, the extension of credit to you or the review or collection 
of your Account.  We may provide information about you and your Account to credit reporting agencies  and others as 
provided in our privacy  notice . Information  we provide might appear on your and your Authorized Users�  credit reports. 
This could include negative information if you do not comply with the terms of this Agreement.  
 
Your Contract With Us 
 
 
Amendment or Modification. At any time and subject to applicable law, we may change or delete  any term of, or add 
new terms to, this Agreement, including without limitation the Interest Charge, Annual Percentage Rate, Fees, Total 
Minimum Payment Due amount, and the Arbitration Provision. Unless prohibited by applicable law, these changed or 
new terms will apply to any Account balance outstanding on the effective date of the change and to all future balances. 
When required by applicable law, we will notify you in advance of any changes, deletions or additions. Our notice will 
tell you when and how the changes will take effect and describe any rights you have in connection with the changes. 
 
Governing  Law. This Agreement and your Account, and any claim, dispute or controversy (whether in contract, tort, or 
otherwise) at any time arising from or relating to your Account, this Agreement or any transferred balances, are 
governed by and construed in acc ordance with applicable federal law and, to the extent not preempted by federal law, by 
the laws of Missouri (without regard to internal principles of conflict of laws), but we rely on the provisions of 
Nebraska law with respect to the Fees that apply to your Account as authorized by Missouri Revised Statutes Secti on 
408.145. 
 
Default. We may declare your Account to be in default upon the occurrence of any of the following events:  
(a) You fail to make any payment required under the terms of this Agreement when due; 
(b) You fail to comply with any of the terms and cond itions set forth in this Agreement;  
(c) You exceed your credit limit; 
(d) You beco me incapacitated  or die; 
(e) You provide us with false or misleading information or signatures in any respect; 
(f) We obtain information that causes us to believe that you may be unwilling or unable to pay your debts to us on 
time; 
(g) We in good faith deem The Bank of Missouri to be insecure or believe that the prospect of payment is impaired;  
(h) You file for bankruptcy; 
(i) You move out of the U.S. or you provide us with a non-U.S. mailing address. 
(j) You request an excessive number of replacement Cards. 
Upon your default, we can suspend or terminate your ability to use your Card or Account, lower your credit limit, 
increase your Total Minimum Payment Due, demand the return of your Card(s), declare your entire balance 
immediately due and payable, initiate  collecti on activity, continue to charge you Interest Charges and Fees as long as 
your balance remain outstanding, and exercise all other rights or remedies permitted by law, all without prior notice or 
demand except as required by law. You promise to pay any collection costs and attorneys� fees that we incur as a result 
of your default. Our failure to declare your Account in default does not excuse you from performing all of your 
obligations under this Agreement, nor shall such failure constitute a waiver of our rights to declare the Account in 
default and terminate your ability to use the Account and the Card at a later time or upon the occurrence of the same or  a different event of default. A negative credit report reflecting on your credit recor d may be submitted to one or more 
credit-repor ting agencies if you fail to fulfill the terms of your credit obligations. 
 
Susp ending or Closing Your Account. 
 
We May Suspend or Close Your Account: We may close or suspend your Card or Account and require the return of 
your Card for any reason, including default, without notice to you except as may be required by applicable law. We 
may terminate your Account if you are or become a non-U.S. resident or a resident of New York, Wisconsin, or a U.S. 
territory. Sometimes we close accounts based not on your actions or inactions, but on our business needs. If we close 
your Account, we will not be liable to you for any consequences resulting from closing your Account or suspending your 
credit privileges. 
 
You May Close Your Account: You may cancel your Account at any time by notifying us by telephone or in writing.  
 
If your Account is closed, you are still responsible for any amounts due on the Account pursuant to the terms of this 
Agreement and the Account will continue to accrue applicable Interest Charges and other Fees and charges until the 
Account is paid in full. 
 
Refund Discl osure. We will refund your Program Fee and initial Fees (those Fees that are billed at the time of Account 
opening) if (1) you have not used your Card for a Purchase or Cash Advance; and (2) you have not made a payment on 
your Accou nt after receiving a monthly billing statement. We will refund any partial payment of the Program Fee if  you 
do not open your Account. If you later elect  to close your Account and notify us of your electi on in writing within 
thirty (30) days or one billing cycle (whichever is less) after an Annual Fee appears on your monthly billing stat ement, 
the Annual Fee will be credited to your Accoun t. Except as described in this paragraph, Fees are generally non-
refundable. If you elect  to cancel an additional Card and notify us of your election in writing within thirty (30) days or 
one billing cycle (whichever is less) after an A dditional Card Fee  appears on your monthly billing statement, the 
Additional Card Fee will be credited to your Account. 
 
Severability. If any provision of this Agreement, including any portion of the Arbitration Provision set forth below, is 
determined to be invalid or unenforceable under any rule, law, or regulation, the validity or enforceability of any other 
provision of this Agreement shall not be affected, and in lieu of such invalid or unenforceable provision there shall be 
added automatically, as part of this Agreement, a provision as similar in terms as may be valid and enforceable, if possible.  
Notwithstanding the foregoing, if a class action litigation or a class-wide arbitration is permitted for any reason, either 
party may require that the entire Dispute, as defined in the Section entitled  �Arbitration� below, be heard by a judge, sitting 
without a jury, under applicable court rules and procedures. 
 
Attorneys Fees and Costs. Except as may be provided otherwise in this Agreement, you agree to pay all costs incurred 
by us, our successors or assigns, in collecting unpaid indebtedness or in enforcing this Agreement, including attorneys 
fees and costs, as well as those costs, expenses and attorneys fees incurred in appellate,  bankruptcy and post- judgment 
proceedings, except to the extent such costs, fees or expenses are prohibited by law. 
 
No Waiver by Us. Subject to applicable law, we reserve the right not to impose part or all of any Fee or other amount 
imposed pursuant to this Agreement or not to exercise any of our rights under this Agreement, and should we do so, we 
will not waive our right to impose such Fee or amount or exercise such right in the future. 
 
Assignment. We may sell, assign or transfer all or any portion of your Account or any balances due under your 
Account without prior notice to or consent from you.  You may not sell,  assign or transfer your Card or your Account or 
any of your obligations under this Agreement. This Agreement will be binding on, and benefit, any of your and our 
success ors and assigns. 
 
Entire Agreement. This Agreement, together with your applicati on, constitutes the final expression of the credit 
agreement between you and us relating to your Account and supersedes and may not be contradicted  by evidence of 
any prior or contemporaneous oral credit agreement between you and us relating to your Account. 
 
No Warranties. Except as otherwise provided in the section below entitled  �Your Billing Rights,� we are not 
responsible for any claim you might have regarding the purchases of goods or services made with your Card. 
 
Merchant Refunds. If you are entitled  to a refund for goods or services purchased with your Card, you will accept 
these refunds as credits to your Account. We do not control when a merchant sends us your refund. We will also have a 
reasonable amount of time after we receive your refund to process it. 
 
 
 
   
Arbi tration 
 
 
READ THIS ARBITRATION PROVISION. UNLESS YOU ACT PROMPTLY TO REJECT THE 
ARBITRATION PROVISION BY OPTING OUT IN ACCORDANCE WITH PARAGRAPH b, CAPTIONED 
�OPT -OUT PROCESS,� THE ARBITRATION PROVISION WILL BE PART OF THIS AGREEMENT AND 
WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS, INCLUDING YOUR RIGHT TO BRING OR 
PARTICIPATE IN A CLASS ACTION,  IN THE EVENT OF A DISPUTE.  
 
a. General: This Arbitration Provision describes when and how a Claim (as defined below) may be arbitrated.  
Arbitration is a method of resolving disputes in front of one or more neutral persons, instead of having a trial in 
court in front of a judge and/or jury. It can be a quicker and simpler way to resolve disputes. Arbitration proceedings 
are private and less formal than court trials. Each party to the dispute has an opportunity to present some evidence 
to the arbitrator. The arbitrator will issue a final and binding decision resolving the dispute(s), which may be 
enforced as a court judgment. A court rarely overturns an arbitrator�s decision. As solely used in  this Arbitration 
Provision, the terms �we,� �us� and �our� mean  not just The Bank of Missouri but also our parent companies, 
wholly or majority -owned subsidiaries, affiliates, commonly -owned companies, successors, assigns and any of 
these entities� employees, officers, directors and agents. For purposes of this Arbitr ation Provision, these terms also 
mean any other third party providing any goods and services in connection with your Account, servicing and 
collection of amounts due on your Account, if you name that third party as defendants in a single proceeding.  
b. Opt-Out Process. If you do not want this Arbitration Provision to apply, you may reject it by mailing us a 
written opt -out notice which contains your Account number, your name and address and a signed statement 
that you opt  out of the Arbitration Provision of t his Agreement. The opt -out notice must be sent to us by mail 
at The Bank of Missouri, PO Box 8 9028 , Sioux Falls, SD 571 09-9028 . (You should retain a copy of your opt -
out notice and evidence of mailing or delivery.) An opt -out notice is only effective if it  is signed by you and if 
we receive it within thirty (30) days after the date we delivered  this Agreement to you. Indicating your desire 
to opt -out of this Arbitration Provision in any manner other than as provided above is insufficient notice. 
However, yo ur decision to opt out of this Arbitration Provision will not have any other effect on this 
Agreement and will not affect any other arbitration agreement between you and us, which will remain in full 
force and effect. If you don�t reject this Arbitration P rovision, it will be effective as of the date you were 
approved for an Account.  
c. What Claims Are Covered: �Claim� means any claim, dispute or controversy between you and us that in any way 
arises from or relates to your Account, including disputes arising from actions or omissions on or prior to the date 
of this Agreement. �Claim� has the broadest reasonable m eaning, and includes initial claims, counterclaims, cross -
claims and third -party claims. It includes disputes based upon contract, negligence, fraud and other intentional torts, 
constitution, statute, regulation, ordinance, common law and equity (including  any claim for injunctive or 
declaratory relief). Despite the foregoing, �Claim� does not include any individual action brought  by you in small 
claims court or your state�s equivalent court, unless such action is transferred, removed, or  appealed to a diff erent 
court. In addition, except as set forth in the immediately following sentence, �Claim does not include disputes about 
the validity, enforceability, coverage or scope of this Arbitration Provision or any part thereof (including, without 
limitation, th is sentence, the prohibitions against class proceedings, private attorney general proceedings and/or 
multiple -party proceedings described in paragraph g, captioned �Prohibition Against Certain Proceedings� (the 
�Class Action Waiver�), or the last sentence of paragraph o, captioned �Severability,�); all such disputes are for a 
court and not an arbitrator to decide. However, any dispute or argument that concerns the validity or enforceability 
of this Agreement as a whole is for the arbitrator, not a court, to  decide.  
d. Starting or Electing to Require Arbitration: Either you or we may start an arbitration of any Claim or require any 
Claim to be arbitrated. Arbitration is started by initiating an arbitration or required by giving written notice to the 
other party requiring arbitration. This notice may be given before or after a lawsuit has been started over the Claim 
and may address any Claims brought in the lawsuit, provided that a party may not pursue a Claim in a lawsuit and 
then seek to arbitrate that same Clai m unless the other party has asserted another Claim in the lawsuit or an 
arbitration. The notice may be in the form of a motion or petition to compel arbitration. Arbitration of a Claim must 
comply with this Arbitration Provision and, to the extent not inc onsistent or in conflict with this Arbitration 
Provision, the applicable rules of the arbitration Administrator.  
e. Choosing the Administrator : �Administrator� means the American Arbitration Association (�AAA�), 1633  
Broadway, 10th Floor, New York, NY 10019, www.adr.org ; JAMS, 1920 Main St. at Gillette Ave., Suite 300  Irvine, 
CA 92614, www.jamsadr.com , or any other company selected by mutual agreement of the parties. If AAA and 
JAM S cannot or will not serve and the parties are unable to select an Administrator by mutual consent, the 
Administrator will be selected by a court. The party asserting the Claim (the �Claimant�) may select the  
Administrator.  Notwithstanding any language in this Arbitration Provision to the contrary, no arbitration may be 
administered, without the consent of all parties to the arbitration, by any Administrator that has in place a formal or 
informal policy that purports to override the Class Action Waiver.   f. Court and Jury Trials Prohibited; Other Limitations on Legal Rights:  IF YOU OR WE ELECT TO 
ARBITRATE A CLAIM, YOU AND WE WILL NOT HAVE THE RIGHT TO PURSUE THAT CLAIM IN 
COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO, YOUR AND OUR ABILITY TO OBTAIN 
INFORMATION F ROM THE OTHER PARTY IS MORE LIMITED IN AN ARBITRATION THAN IN A 
LAWSUIT. OTHER RIGHTS THAT YOU OR WE WOULD HAVE IN COURT MAY ALSO NOT BE 
AVAILABLE IN ARBITRATION.  
g. Prohibition Against Certain Proceedings: IF YOU OR WE ELECT TO ARBITRATE A CLAIM: (1) 
NEITHER  YOU NOR WE MAY PARTICIPATE IN A CLASS ACTION IN COURT OR IN CLASS - WIDE  
ARBITRATION,  EITHER  AS  A  PLAINTIFF,  DEFENDANT  OR  CLASS  MEMBER; (2) NEITHER 
YOU NOR WE MAY ACT AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN AN 
ARBITRATION; (3)  CLAIMS  BROUGH T  BY  OR  AGAINST  YOU  MAY  NOT  BE  JOINED  OR 
CONSOLIDATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND (4)  THE  
ARBITRATOR SHALL HAVE NO AUTHORITY TO CONDUCT A CLASS -WIDE ARBITRATION, 
PRIVATE ATTORNEY GENERAL ARBITRATION, OR MULTIPLE -PARTY A RBITRATION.  
h. Public Injunctive Relief . If a Claim is brought seeking public injunctive relief and a court determines that the  
restrictions in the Class Action Waiver and/or elsewhere in this Arbitration Provision prohibiting the arbitrator from 
awarding rel ief on behalf of third parties are unenforceable with respect to such Claim (and that determination  
becomes final after all appeals have been exhausted), the Claim for public injunctive relief will be determined in  
court and any individual Claims seeking m onetary relief will be arbitrated. In such a case the parties will request  
that the court stay the Claim for public injunctive relief until the arbitration award pertaining to individual relief  has 
been entered in court. In no event will a Claim for public  injunctive relief be arbitrated.   
i. Location and Costs of Arbitration: Any arbitration hearing that you attend in person must take place at a location 
reasonably convenient to you, as determined by the arbitrator. Each Administrator charges fees to administ er an  
arbitration proceeding and the arbitrator also charges fees. This includes fees not charged by a court. If either you  
or we require a Claim to be arbitrated, you may tell us in writing that you cannot afford to pay the fees charged  by 
the Administrat or and/or the arbitrator or that you believe those fees are too high. If your request is reasonable  and 
in good faith, we will pay or reimburse you for all or part of the fees charged to you by the Administrator  and/or 
arbitrator. Also, we will pay these f ees if applicable law requires us to, if you prevail in the arbitration or  if we must 
bear such fees in order for this Arbitration Provision to be enforced. We will not ask you to pay or  reimburse us for 
any fees we pay the Administrator or arbitrator. We will bear the expense of our attorneys, experts  and witnesses. 
You will bear the expense of your attorneys, experts and witnesses if we prevail in an arbitration. However, if you 
are the Claimant, we will pay your reasonable attorney, expert and witness fe es and costs if you  prevail or if we 
must bear such fees and costs in order for this Arbitration Provision to be enforced. Also, we will  bear any fees and 
costs if applicable law requires us to do so.   
j. Governing Law: This Arbitration Provision is governed by the Federal Arbitration Act, 9 U.S.C. �� 1 -16 (the  
�FAA�), and not by any state arbitration law. The arbitrator must apply applicable substantive law consistent with  
the FAA and applicable statutes of limitations and claims of privilege recognized at law. The arbitrator is  authorized 
to award all remedies permitted by the substantive law that would apply if the action were pending in  court 
(including, without limitation, punitive damages, which shall be governed by the Constitutional stan dards  employed 
by the courts). At the timely request of either party, the arbitrator must provide a brief written  explanation of the 
basis for the award.  
k. Right to Discovery: In addition to the parties� rights to obtain discovery pursuant to the arbitration  rules of the  
Administrator, either party may submit a written request to the arbitrator to expand the scope of discovery  normally 
allowable under the arbitration rules of the Administrator. The arbitrator shall have discretion to grant  or deny that 
reques t. 
l. Arbitration Result and Right of Appeal: At the timely request of either party, the arbitrator shall provide a written  
explanation for the award. Either party may appeal the arbitrator�s decision within 30 days to a single arbitrator  or 
a three -arbitrato r panel selected in accordance with the Administrator�s rules, which shall resolve the Claim  without 
regard to the original decision. We will pay the entire cost of an appeal unless we are willing to have the  appeal 
decided by a single arbitrator and you i nsist upon a three -arbitrator panel. In such event, you will be  responsible for 
paying your portion of the difference in arbitration fees between a single arbitrator and a three - arbitrator panel, as 
determined by the panel. However, we will pay all costs to the extent required by law and/or  required to enforce 
this Arbitration Provision. The original award or any subsequent award on the appeal described  above shall be final 
and binding, subject to any further right to appeal provided by the FAA. The arbitr ator�s award  may be entered by 
any court having jurisdiction.  
m. No Preclusive Effect . No arbitration award involving the parties will have any preclusive effect as to issues or 
claims in any dispute involving anyone who is not a party to the arbitration, nor  will an arbitration award in prior  
disputes involving other parties have preclusive effect in an arbitration between the parties to this Arbitration  
Provision.  
n. Rules of Interpretation: This Arbitration Provision is binding upon and benefits you, your resp ective heirs,  
successors and assigns. This Arbitration Provision also is binding upon and benefits us. This Arbitration Provision 
shall survive the repayment of all amounts owed under this Agreement, any legal proceeding and any bankruptcy,   to the extent c onsistent with applicable bankruptcy law. This Arbitration Provision survives any termination,  
amendment, expiration or performance of any transaction between you and us and continues in full force and effect 
unless you and we otherwise agree in writing. I n the event of a conflict or inconsistency between this  Arbitration 
Provision, on the one hand, and the applicable arbitration rules or the other terms of this Agreement,  on the other 
hand, this Arbitration Provision shall govern.  
o. Severability: If any port ion of this Arbitration Provision is deemed invalid or unenforceable, such a finding shall 
not invalidate any remaining portion of this Arbitration Provision, this Agreement, or any other agreement entered  
into by you with us. However, notwithstanding any language in this Arbitration Provision or this Agreement to  the 
contrary, the Class Action Waiver is not severable from the remainder of this Arbitration Provision and, in  the event 
that the Class Action Waiver is held to be invalid and unenforceable, and subject to any right of appeal  that may 
exist with respect to such determination, any class action or representative proceeding shall be determined in a court 
of law and will not be subject to this Arbitration Provision.  
p. Notice and Cure; Special Payment : Prior to initiating a lawsuit or an arbitration proceeding under this Arbitration  
Provision, the Claimant shall give the other party or parties written notice of the Claim (a �Claim Notice�) and a  
reasonable opportunity, not less than 30 days, to resolve th e Claim. Any Claim Notice to you shall be sent in  writing 
by mail to the address you have provided in your Card application (or any updated address you  subsequently 
provide). Any Claim Notice to us shall be sent by mail to PO Box 8 9028 , Sioux Falls, SD 57109-9028  (or any 
updated address we subsequently provide), attn: ARBITRATION. Any Claim Notice you send must  identify 
yourself by including your name, address and Account number. Any Claim Notice must explain the  nature of the 
Claim and the relief demand ed. You may only submit a Claim Notice on your own behalf and not  on behalf of any 
other party. The Claimant must reasonably cooperate in providing any information about the  Claim that the other 
party reasonably requests and must give the other party a rea sonable opportunity to respond  to the demand for relief. 
If: (i) you submit a Claim Notice in accordance with this paragraph on your own behalf  (and not on  behalf of any 
other party); (ii) we refuse to provide you with the relief you request; and (iii) an  arbitrator subsequently determines 
that you were entitled to such relief (or greater relief), the arbitrator shall award  you at least $7,500 (not including 
any arbitration fees and attorneys� fees and costs to which you may be entitled).  
 
 
YOUR BILLING RIGHTS 
 
KEEP THIS NOTICE FOR FUTURE USE  
 
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.  
 
What To Do If You Find A Mistake On Your Monthly Billing Statement  
 
If you think there is an error on your monthly billing statement, write to us at the address listed below . In your letter, 
give us the following information:  
� Account information: Your name and Account number.  
� Dollar amount: The dollar amount of the suspect ed error.  
� Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why 
you believe it is a mistake.  
 
You must contact us:  
� Within 60 days after the error first appeared on your monthly billing statement.  
� At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount  
you think is wrong.  
 
You must notify us of any potential errors in writing . You may call us, but if you do we are not required to  investigate 
any pot ential errors and you may have to pay the amount in question.  
 
What Will Happen After We Receive Your Letter  
 
When we receive your letter, we must do two things:  
1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we 
have already corrected the error.  
2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the  bill 
is correct.  
 
While we investigate whether or not there has been an error:  
� We cann ot try to collect the amount in question, or report you as delinquent on that amount.   � The charge in question may remain on your billing statement, and we may continue to charge you interest on  that 
amount.  
� While you do not have to pay the amount in questio n, you are responsible for the remainder of your balance.  
� We can apply any unpaid amount against your credit  limit.  
 
After we finish our investigation, one of two things will happen:  
� If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that  
amoun t. 
� If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable 
Interest  Charges and Fees. We will send you a statement of the amount you owe and the date payme nt is due. We 
may then  report you as delinquent if you do not pay the amount we think you owe.  
 
If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that 
you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning 
your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those 
organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not 
have to pay the first $50.00 of the amount you question even if your bill is correct.  
 
Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
 
If you are dissatisfied with the goods or services that you have purchased with your 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 purchase. To use this right, all of the following must be true:  
1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and 
the purchase price must have been more than $50.00. (NOTE: Neither of these are necessary if your pu rchase was 
based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)  
2. You must have used your Card for the Purchase. Purchases made with Cash Advances from an ATM or with a 
check that accesses your Account do  not qualify.  
3. You must not yet have fully paid for the Purchase.  
 
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:  
 
The Bank of Missouri  
PO Box 8 9028  
Sioux Falls, SD 571 09-9028  
 
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, 
we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as 
delinquent.  
 
State Discl osures  
 
 
California Residen ts: A married applicant may apply for a separate Accoun t. As required by law, you are hereby 
notified that a negative credit reporting reflecting on your credit record may be submitted to a Consumer Reporting 
Agency if you fail to fulfill the terms of your credit obligations. After credit appro val, each applicant shall have the 
right to use the Account up to the limit of the Account. 
Delaware R esidents: Service charges not in excess of those permitted by law will be charged on the outstanding 
balances from month to month. 
New  York and Vermont Residen ts: We may obtain a consumer report for any legitimate purpose in connection with 
your Account or your applicati on, including but not limited to reviewing, modifying, renewing and collecting on your 
Account. Upon your request, we will inform you of the names and addresses  of any Consumer Reporting Agencies 
that have furnished the reports. New York residents may contact the New York State  Banking Department (1-877- 
226-5697) to obtain a comparative list of credit card rates, fees and grace periods. You may request written 
communication in an alternative format to accommodate a visual impairment by calling (877) 259 -3755.  
Ohio Resid ents: The Ohio laws against discrimination require that all creditors make credit equally available to all 
creditworthy customers, and that Consumer Reporting Agencies maintain separate credit histories on each individual 
upon request. The Ohio Civil Rights Commission administers compliance with this law. 
Married  Wisconsin Residen ts: No provision of any marital property agreement, unilateral statement, or court order 
applying to marital property will adversely affect a creditor�s interests unless prior to the time credit is granted, the 
creditor is furnished with a copy of the agreement, statement, or court order, or has actual knowledge of that provision. 
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