Interest Rates and Charges

Important Cost Information about our Credit Card

  Annual Percentage Rate (APR)
  for Purchases

16.99% to 20.99% based on your creditworthiness. This APR will vary with the market 
based on Prime Rate. This APR will not exceed 25.00%.

  APR for Cash Advances

24.99%. This APR will vary with the market based on the Prime Rate. This APR will not exceed 
25.00%.

  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, 16.99% to 20.99% (based on your credit worthiness) if your Balance 
Transfer is treated as a Purchase, or 24.99% if your Balance Transfer is treated as a Cash 
Advance. These APRs will vary with the market based on the Prime Rate.

  How to Avoid Paying Interest  
  on Purchases

Your due date is at least 21 days after the close of each billing cycle. We will not charge you 
interest on Purchases if you pay your entire balance by the due date each month.  Generally, we 
will begin charging interest on Cash Advances and Balance Transfers on the transaction date.

  Minimum Interest Charge

If you are charged interest, the charge will be no less than $0.50.

  For Credit Card Tips from the     
  Consumer Financial Protection 
  Bureau

  Fees

  Annual Fee

Transaction Fees 

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

None

•	 Balance	Transfer 

Three percent (3%) of the amount of the Balance Transfer, with a $15 minimum and no maximum.

•	 Cash	Advance 

•	 Foreign	Transaction

Three percent (3%) of the amount of the Cash Advance, with a $15 minimum and a $50 maximum. 

Two percent (2%) of the U. S. dollar amount of each Cash Advance or Purchase.

   Penalty Fees

•	 Late	Payment

•	 Returned	Payment

•	 Over	the	Credit	Limit

Up to $35 

Up to $35

None

How We Will Calculate Your Balance:  We use a method called the “average daily balance (including new purchases)”.  

How we determine APRs:  The Purchase and Cash Advance APRs are determined by adding a Margin to the Prime Rate. The Prime Rate is the highest Prime Rate published in The 
Wall Street Journal Money Rates table on the fifteenth (15th) day of each month, or the next business day, if the 15th falls on a weekend or holiday. 

To All Applicants: Applicant applies to UMB Bank, n.a., Kansas City, Missouri, or its successors or assigns (“Issuer”) for a credit card  account (“Account”) as indicated in this Application. 
If this application is accepted and credit card(s) issued, Applicant will be deemed to be in agreement with the terms and conditions that we send with the card(s). 

The Applicant authorizes the Issuer to obtain a credit report in connection with this Application and from time to time after the Account is established, the Issuer may verify that the 
Applicant continues to qualify for the Account. Issuer may verify Applicant credit, employment history and other information relating to the Applicant and to answer questions about 
the Issuer’s experience with Applicant. The Applicant acknowledges and agrees that such information may be used to establish, administer or collect the Account, or for any legitimate 
purpose relating to the Account. 

Margin: We will add 13.74% to 17.74% to the Prime Rate to determine the APR for Purchases. We will add 21.74% to the Prime Rate to determine the APR for Cash Advances.

Additional  Fees.    If  you  enroll  in  the  ePlateTM  Rewards  Program,  you  will  be  charged  a  $99  annual  Reward  Upgrade  Fee.    You  are  not  charged  a  rewards  fee  to  participate  in  the  
ePlateEZ Rewards Program.  Go to dynamicsinc.com for more information about the enhanced ePlate™ rewards program.  We will charge you $25 if you request that we expedite the 
shipment of a new or replacement card to you.  We will charge you $35 for replacing any card that has been reported to us as lost or stolen.

Cardholder  Agreement.    For  additional  information  about  the  cost  and  terms  of  the  Account,  see  your  Cardholder  Agreement,  which  will  be  sent  with  the  Card.    The  Cardholder 
Agreement and the Account will be governed by Missouri and applicable federal law, but we rely on the provisions of Nebraska law with respect to the fees and charges (other than 
interest) that apply to your Account, as authorized by Missouri Revised Statutes Section 408.145.  The Cardholder Agreement permits us to change the terms of the Account, including 
the rates, fees and other credit terms, upon notice to the cardholder and subject to the provisions of applicable law.

Notice  to  Young  Applicants:  If  you  are  under  21  years  of  age,  Federal  law  prohibits  us  from  approving  your  application  for  a  credit  card  unless  you  demonstrate  that  you  have  the 
independent ability to make the required payments on your account, or unless you provide a guarantor or cosigner.  The guarantor or cosigner must be acceptable to us and must sign 
our form of guaranty agreement.

Important Information About Procedures For Opening A New Account:  Our bank complies with Section 326 of the USA PATRIOT Act.  This law mandates that we collect and verify 
certain information about you while processing your Account application.  Please talk with a Bank representative if you have questions.

Important: Information about the costs of credit cards as shown in the Important Cost Information chart is accurate as of January 1, 2014, the date this document was printed. 
This information may have changed after that date.  To find out what may have changed, call us at 855.368.0410 or write to us at UMB Bank, n.a., P.O. Box 419734, Kansas City, 
Missouri  64141-6734.

REV 1/15/14