M-133606

Cardholder Agreement and Pledged Deposit Account Security Agreement 
Visa® Secured Cardholder Agreement
INTRODUCTION:  In this document, the term “Agreement” means (i) this Secured Cardholder Agreement, (ii) the disclosures found in our “Important Cost Information about our Credit 
Card” insert that is included with your card carrier when your Card plastic is sent to you, and (iii) the Pledged Deposit Account Security Agreement that is also provided to you with 
this Cardholder Agreement.  In this Agreement, we call the “Important Cost Information” insert our “Account Opening Disclosures,”  and we call the Pledged Deposit Account Security 
Agreement simply the “Security Agreement.”  The terms “we,” “us” and “our” refer to UMB Bank, n.a., which is your credit card issuer.  The terms “you” or “your” mean the person who 
applied for a secured credit card that is to be used primarily for personal, family or household purposes, and to whom we issue an Account and a secured credit card pursuant to this 
Cardholder Agreement and the Security Agreement.  You are liable to us for the full balance of the Account and all lawful interest, fees and charges, which may include any costs of 
collection, including our attorneys’ fees, as permitted by law.  
YOUR PROMISE TO PAY:  You are entering into this Agreement with us, under which we agree, subject to the terms and conditions of the Agreement, to lend you money through the use 
of your Card, and you promise to pay back to us the money that we lend to you, plus any applicable interest, fees and charges, in accordance with these terms and conditions.  You borrow 
under this Agreement when you use a Card, even if you do not sign a purchase slip or other document for the transaction.  If you use your Card number without presenting your actual 
Card (such as for mail, telephone, or Internet purchases), those transactions will be treated the same way as if you used the Card in person.  If you let someone else use your Card, you 
are responsible for all transactions that person makes with your Card.  Your obligation to repay us is the responsibility of your estate if you die.  If you accept or use a Card, you will have 
accepted this Agreement and agree to be bound by it.  
OTHER IMPORTANT TERMS USED THROUGHOUT THIS AGREEMENT:  The terms listed in the far left column below have the meanings shown under the “What It Means” column 
heading, when they are used throughout this Agreement.  The terms and conditions of the Agreement that are directly related to the defined term are included in the last two columns to 
the right.

TERM
“Account” Your  secured  credit  card  account 

WHAT IT MEANS

with us.

“Card”

Any credit card associated with your 
Account, including all renewals and 
cards that we may issue to replace 
your  current  Card,  for  example, 
when  you  report  your  current  Card 
as  lost  or  stolen.  The  term  also 
means any other access device that 
we issue to you that may be used to 
access your Account to obtain cred-
it,  including  any  Account  number 
and  any  Convenience  or  Cashway 
Check. 

YOUR RESPONSIBILITY
You promise to keep your Account in good standing, includ-
ing by making your payments on time, and to comply with the 
terms of this Agreement and the Pledged Deposit Account 
Security Agreement as long as your Account remains open 
or has a balance.

You agree (1) to use your Card only for lawful purposes, (2) 
not to engage in any illegal transaction with your Card, and 
(3) to return the Card to us or destroy it immediately upon 
our request.
Please sign the Card as soon as you receive it. The Card 
is  valid  through  the  expiration  date  provided  on  the  card 
appearing as the “Good Thru” date. You agree to take rea-
sonable steps to prevent the unauthorized use of your Card 
and Account.

OUR RESPONSIBILITY
We will give you access to your Account, up to the amount of your 
Credit  Limit,  through  access  devices,  which  may  include  Cards, 
checks and/or your Account number.  But we may change your Credit 
Limit or close your Account as stated in this Agreement.  You may also 
be able to use your Card through “digital wallets” that we provide ac-
cess to or that others provide.  There may be additional agreements 
that govern the digital wallets.
If you keep your Account in good standing and comply with this Agree-
ment, we will honor the Card as provided in this Agreement. The Card 
is and will remain our property. 

“Advance” Any  credit  that  we  extend  to  you 
through  your  Account.    The  term 
“Advance” includes a Purchase Ad-
vance and a Cash Advance.

You  agree  to  repay  all  Advances  made  on  your  Account, 
whether  you  request  it  or  whether  others  whom  you  have 
authorized request the Advance.

We will honor Advances up to your Credit Limit, subject to the terms 
set forth in this Agreement.  Our obligation to make credit available to 
you under this Agreement is discretionary with us, and we may cancel 
your right to obtain additional Advances at any time, even if you are 
not in default.  We may decide not to make Advances that we believe 
may be fraudulent or for other reasons outlined in the Agreement. 

“Autho-
rized User”

Any person that you give the right to 
use your Card or your Account, but 
who is not obligated to repay us for 
use of the Account.

Removing 
Authorized 
Users

You  will  be  responsible  for  an Authorized  User’s  use  of  a 
Card and your Account, as well as anyone else the Autho-
rized User allows to use the Card or Account.  This will be 
true even if you did not want, or agree to, the particular use.  
You will be responsible to repay all Advances made on your 
Account by any Authorized User.  You may have a separate 
agreement  with  an  Authorized  User  under  which  the  Au-
thorized User agrees to repay you for use of your Card or 
Account.
If you want to seek to prevent an Authorized User from con-
tinuing to use your Account, you must immediately destroy 
all Cards in that person’s possession and cancel any of the 
automatic billing authorizations that person made to charge 
your Account by contacting those persons.  We will not do 
this for you. Until those arrangements are cancelled, you are 
still responsible for all amounts they charge to the Account. 
You are responsible even if the charges do not appear on the 
Account Statement until later.

If you contact us to help you prevent an Authorized User from continu-
ing to use your Account, we may close your existing Account and/or 
issue a new Card with a new Account number to you.  We will have 
a reasonable amount of time after we receive your request in order 
to do so.  

1
1

“Credit 
Limit”

The  total  amount  of  credit  that  we 
are willing to provide to you through 
your  Account.    You  have  a  lower 
Cash  Advance  Limit.    See  “Cash 
Advances”, below.

You agree not to ask for or attempt to obtain any Advance 
that would cause you to exceed your Credit Limit.  You are 
responsible for keeping track of your Account balances and 
your Available Credit. We may still honor transactions above 
your Credit Limit, but our honoring of those transactions will 
not increase your Credit Limit.

You may not make or attempt to make Advances that would 
exceed your Available Credit.   

You must repay Purchase Advances as required by this Agree-
ment.  
Interest will be charged on Purchase Advances at the “Annual 
Percentage Rate (APR) for Purchases” based on the variable 
rate formula shown in your Account Opening Disclosures and 
in this Agreement.  
Promotional materials that we provide from time to time in con-
nection with particular offers, such as Balance Transfer offers, 
may state that a different interest rate or a promotional interest 
rate for a particular period of time will apply, in which case the 
promotional terms that we provide with the offer will govern. 
You are responsible for repaying Cash Advances as required 
by this Agreement. Interest will be charged on Cash Advanc-
es at the “APR for Cash Advances” based on the variable 
rate  formula  shown  in  your  Account  Opening  Disclosures 
and in this Agreement.

You  must  review  each  Statement  you  receive  and  tell  us 
about any errors or questions you have as described in the 
“Billing Rights Summary” part of your Statement and the Ac-
count Opening Disclosures. 
If you do not notify us within sixty (60) days of the date you 
receive the Statement as provided in those disclosures, we 
may assume that all information in the Statement is correct.

“Available 
Credit” 

“Security 
Deposit 
Balance”
“Purchase 
Advance”

That part of your Credit Limit that is 
available  at  any  particular  time  for 
additional Advances.
The  amount  of  your  Pledged  Ac-
count  balance,  as  shown  on  your 
monthly billing Statement.
An  Advance  for  buying  goods  or 
paying  for  services.    We  also  treat 
your  Annual  Fee,  return  payment 
charges  or  documentation  charges 
as Purchase Advances.

“Cash 
Advances” 
and “Cash 
Advance 
Limit”

“State-
ment”

“Business 
Day”

Advances  made  for  cash  or  cash-
like  equivalents,  including  for  wire 
transfers,  money  orders,  and  trav-
elers cheques (as explained below).  
Your  “Cash  Advance  Limit”  is  a 
percentage  of  your  overall  Credit 
Limit.    The  Cash  Advance  Limit  is 
disclosed  in  your Account  Opening 
Disclosures and on your Statement.
Detailed itemization of your Account 
for  a  monthly  billing  period.    Your 
Statement  includes  information  on 
your 
transactions,  charges,  your 
Balance,  Minimum  Payment,  Pay-
ment Due Date and Security Depos-
it Balance.  Your Statement may be 
only  in  electronic  form  if  you  have 
given  us  consent  to  send  State-
ments to you in that manner and you 
have  not  revoked  that  consent  by 
notice to us. 

Means any day in which UMB Bank, 
n.a. offices are open for the process-
ing  of  payments  and  credits.    Our 
Business Days are Monday through 
Friday, but do not include holidays.

We tell you your initial Credit Limit in the Account Opening Disclo-
sures insert that comes with your Card.  We will also show your Credit 
Limit on your monthly billing Statement.
We assign your initial Credit Limit based upon our credit criteria and 
the amount of funds you have deposited into the Pledged Account.  
The minimum and maximum Credit Limits available for the secured 
credit card account product are stated in your Account application. 
We  may  also  increase,  decrease,  restrict,  or  cancel  your Available 
Credit at any time. This will not affect your obligation to repay us in 
accordance with the terms of this Agreement.  
If  your Account  is  in  good  standing,  you  may  increase  your  Credit 
Limit by contacting us first and then depositing additional funds from 
any deposit account you have with us into your Pledged Account, in 
increments of $100; provided, that your Credit Limit cannot exceed a 
maximum amount that we establish for this type of account.  To do so, 
please contact our Customer Service Center.  Note that the increase 
in Credit Limit may take up to 14 calendar days to occur from when 
you make the deposit. 
We disclose your Available Credit to you on your monthly billing State-
ment, but that amount may not reflect any Advances that you have 
asked for but that have not yet posted to your Account.
We will provide the Security Deposit Balance amount on each of your 
monthly billing Statements.

We will honor requests for Purchase Advances, assuming that you 
have sufficient Available Credit at the time that you request a Pur-
chase Advance, subject to the other terms of this Agreement.  
We post each Purchase Advance to your Account as of the transac-
tion date of the purchase.

We restrict the amount of your overall Credit Limit that can be used for 
Cash Advances.  We call that limit the “Cash Advance Limit.”  
We will honor requests for Cash Advances in accordance with this 
Agreement, assuming that you have sufficient available credit under 
your Cash Advance Limit.  
We post each Cash Advance to your Account as of the date the funds 
are advanced.

We will send you one Statement for your Account, unless applicable 
law does not require or permit us to send a Statement. Statements 
will be sent at the end of each monthly billing period when your Ac-
count has a debit or credit balance of more than $1.00, or if we have 
charged any Interest or other charges to your Account. Your State-
ment will show all transactions billed to your Account during the billing 
period, along with other important Account information.  
If  you  have  requested  statements  in  electronic  format  only,  we  will 
send a notice of the availability of the Statement to the email address 
that you provided to us, and you will be considered to have received 
the Statement when we so notify you. You must sign in to our Online 
Banking Service to review your Statement.
Some of the activities related to your Account, like days that you can 
make payments at our branch offices, or the day on which a change 
in the interest rate that applies to your Account is calculated, are de-
termined by our Business Days.

Fees and Charges
Fee
“Late Pay-
ment Fee”

How Can You Avoid This Fee?
You can avoid this fee by paying at least the Minimum Payment Due shown 
on your monthly billing Statement not later than 15 days after the Payment 
Due Date shown on the Statement.

You can avoid this fee by making sure that none of your payments to us on 
your Account are returned unpaid or dishonored. 

“Returned 
Payment Fee”
“Annual Fee” Your Annual Fee will first be charged when your Account is opened.  You can 
cancel your Account and avoid the fee for the first year and any subsequent 
year by notifying us that you want to close your Account within thirty (30) 
days after the annual fee appears on your monthly billing Statement.

2

How Much Is the Fee and When is the Fee Assessed?
We will assess a late charge of the greater of $15 or 5% of the Minimum Payment Due 
if you fail to pay the Minimum Payment Due shown on your monthly billing Statement no 
later than 15 days after the Payment Due Date; provided, however, that  the Late Pay-
ment Fee that we assess will never exceed either your Minimum Payment Due or $50.   
We will charge a Returned Payment Fee of $25 if any payment that you make on your 
Account is returned to us unpaid or dishonored.  
The amount of the Annual Fee is disclosed in your Account Opening Disclosures, and 
will never exceed $50.  The fee is charged when your Account is opened and each year 
after that.

Interest Charges:  The information below explains how we calculate and charge interest on your Account.
Variable 
APRs 

We determine the Annual Percentage Rates (“APR”s) applicable to the different types of transactions on your Account in the manner described in your Account Opening 
Disclosures and below.  These APRs are variable, unless the disclosures that we provide to you in connection with a particular offer provide otherwise.  This means that 
your interest rate is calculated by adding a percentage rate (called a “Margin”) to the Prime Rate for a billing period.  (In some cases, like for promotional offers, the APR 
may be fixed for the period of time specified in the Account Opening Disclosures or the marketing materials that we provide related to the special offer; after the promotional 
period has ended, the APR will be variable.)  When your interest rate is variable, the APR for a category of transactions (like Cash Advances or Purchase Advances) may 
vary from billing period to billing period if the Prime Rate changes.  The “Prime Rate” is the highest prime rate published in the “Money Rates” section of The Wall Street 
Journal print edition.  The Prime Rate used in a billing period to calculate your interest rate is the Prime Rate most recently available as of the 15th day of the previous 
month, or the next Business Day if the 15th is not a Business Day.
The Margin for Purchase Advances and the Margin for Cash Advances are stated in your Account Opening Disclosures.  These Margins will apply to your Account unless 
we change the Margin after giving you notice as required by law.  If we change the Margin that applies, the new Margin will only apply to new transactions after the effective 
date of the change.  You will generally have at least 45 days’ notice of the change.  
The maximum interest rate that we apply to your outstanding balances is disclosed on the Account Opening Disclosures that you receive with your Card.  
If you are a member of the Armed Forces or a dependent of a member of the Armed Forces, your maximum Annual Percentage Rate is disclosed in the Military Lending 
Act paragraph below.
Cash Advances: There is no grace period for Cash Advances. 
Purchase Advances: Your Payment Due Date is shown on your Statement, and will be at least 25 days after the close of each billing period.  You will not be charged 
interest on new Purchase Advances if you pay your New Balance in full by the Payment Due Date shown on that Statement. If you do not pay the entire amount of the 
New Balance by the Payment Due Date, the unpaid balance will begin accruing interest charges on the first day of the new billing period and each new Purchase Advance 
reflected in that billing period will begin accruing interest on the date the Purchase posts to your account.
We calculate the monthly interest charge on your Account in the following manner:
First, we calculate the “Average Daily Balance” for each category of transactions (e.g., Cash Advances, Purchase Advances, or promotional balances) by doing the 
following:
We take the beginning balance for that type of transaction each day during the monthly billing period and add any new Advances of that type posted that day and subtract 
any payments that are applied to the transaction category for that day. This gives us the daily balance for that type of transaction.  We then add up all the daily balances for 
each transaction type for each day included in the monthly billing Statement, and divide by the total number of days included in the monthly billing Statement.  That gives 
us the Average Daily Balance for each transaction type.
Next, we divide the applicable Annual Percentage Rate by 365. This gives us the “Daily Interest Rate”.
Finally, we multiply the applicable Daily Interest Rate for each type of transaction by the Average Daily Balance for that category of transactions, and multiply that total by 
the number of days in the monthly billing period.  This gives us the interest charge for each category of transactions. 
A Minimum Interest Charge will be assessed to your Account for any billing period in which monthly interest is charged, but the calculated amount of the monthly interest is 
less than the Minimum Interest Charge. When this occurs you will not be charged the calculated monthly interest charge, but will instead be charged the Minimum Interest 
Charge. The amount of the Minimum Interest Charge is shown in the Account Opening Disclosures.
The Military Lending Act provides protections for certain members of the Armed Forces and their dependents (“Covered Borrowers”) for new credit card accounts opened 
on or after October 3, 2017. The provisions of this section apply only to Covered Borrowers who open their Accounts after that date. If you would like more information 
about whether you are a Covered Borrower and whether this paragraph applies to you, please contact us at (888) 615- 2179.
Statement of MAPR: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.  In gen-
eral, the cost of consumer credit to a member of the Armed Forces and his or her dependents may not exceed an Annual Percentage Rate of 36%.  This rate must include, 
as applicable to the credit transaction or account: (1) the costs associated with credit insurance premiums; (2) fees for ancillary products sold in connection with the credit 
transaction; (3) any application fee charged (other than certain application fees for specified credit transactions or accounts); and (4) any participation fee charged (other 
than certain participation fees for a credit card account).
Oral Disclosures: If you are a Covered Borrower and want to hear important disclosures and payment information about your obligations under this Agreement, please 
call (888) 615- 2179.
At any time during which the Military Lending Act applies to you, no provision of your Agreement that is inconsistent with that law will apply, and this Agreement will be 
interpreted to comply with the Military Lending Act.

Maximum 
APR

Grace 
Periods

Monthly 
Interest 
Calcula-
tion

Minimum 
Interest 
Charge
Military 
Lending 
Act

Account Features:  The information below shows the features that may be made available to you through your Account, and information about how they work and what the costs and 
terms of each feature are.
Feature
Conve-
nience 
Checks

How It Works
A “Convenience Check” is an Advance that you use to pay a creditor other than us.  You can obtain 
or use a Convenience Check or Cashway Check by (1) using an instrument that we provide you that 
contains the words “Convenience Check” or “Cashway Check,” (2) creating an instrument with the same 
routing and transit information on it as the instruments that we send you to access your Account, or (3) 
by calling our Service Center.  
When Convenience Checks are sent to other creditors through the mail, there may be a delay in posting 
the payment to your account with the other creditor and against your Credit Limit.  We will rely on the 
information about your account with the other creditor that you supply to us.  You may ask us to stop 
payment on a Convenience Check or Cashway Check, but it must reach us within enough time for us to 
be able to act on the request before the payment is presented to us.
Convenience Checks transactions will be reflected on your monthly billing Statement, but you will not 
receive the paid instrument with your monthly billing Statement.
You may be able to use your Account to receive Advances in a currency other than U.S. dollars.  When 
you do this, Visa USA or other applicable payment card network will convert the Advance into a U.S. 
dollar amount.  The payment card network will use its currency conversion procedures in effect when it 
processes the transactions. The conversion rate in effect on the processing date might differ from the 
rate in effect on the transaction or posting date.  The rate used may vary from the rate the payment card 
network itself receives.

Costs and Limitations
If you utilize a Convenience Check, or create an instrument with 
the same routing and transit information on it as the instruments 
that  we  send  you,  we  will  treat  the  transaction  as  a  Cash Ad-
vance, and the Cash Advance Fee shown in the Account Opening 
Disclosures will apply.  Convenience Check transactions will  post 
to your Account on the business day that they are presented to 
us for payment. 
Unless we notify you ahead of time, you may not use a Conve-
nience  Check  to  transfer  a  balance  owed  from  other  UMB  ac-
counts or any other company within the UMB organization to your 
credit card Account. 

We will charge the Foreign Transaction Fee shown in the Account 
Opening Disclosures for any Advance occurring outside the Unit-
ed States or a U.S. territory, or from any online transaction made 
in the United States or U.S. territory with a party located outside 
the United States or a U.S. territory.  This fee is in addition to any 
other rates or fees that may apply to foreign transactions, which 
could be applied depending on the type of transaction that you 
engage in outside of the United States or a U.S. Territory.

Foreign 
Transac-
tions

3

The Minimum Payment that we will show on your monthly billing Statement will equal:

Payments:  The information below explains how we calculate your required payments, how you may make payments, and how we apply your payments to your Account balances.
Minimum 
Payment 
Calcula-
tion

(1)  Any Minimum Payment from the previous monthly billing period that you did not pay, plus
(2)  The greater of:
$25.00, or
The amount of any Late Payment Fee or Returned Payment Fee charged on the monthly billing Statement, or
The sum of 
i.  one percent (1%) of the New Balance, plus 
ii.  total billed monthly interest charges, plus
iii. any Late Payment or Returned Payment Fees. 

a. 
b. 
c. 

The Minimum Payment will never exceed your Account’s New Balance amount. Your calculated minimum payment will be rounded to the nearest whole dollar amount.
Where

When Payments 
Are Credited to 
your Account

How

Sending Us 
Checks; Notice 
of Electronic 
Presentment
Availability of 
Credit After 
Payment 

Payments Marked 
with Restrictive 
Words, Condi-
tions or Instruc-
tions 
Other  Payment 
Provisions

Sending 
Us Pay-
ments

Sending 
Us Pay-
ments

How Pay-
ments Are 
Applied

Minimum Pay-
ment

All payments that you make to us through the mail must be sent to us at the address for payments shown on your monthly billing Statement.  The 
mailing address for payments is also shown below under “Other Customer Service Information.”  You can also make payments at our Online Banking 
website, at one of our branch offices, or over the telephone to one of our Customer Service representatives.  
Payments that we receive by 5:00 p.m. on any Business Day at the post office box address on your monthly billing Statement will be credited to 
your Account as of that day.  If the Payment Due Date falls on a non-Business Day, we will treat any payment received by us at that post office box 
address by 5:00 p.m. on the next Business Day as being received by us on the Payment Due Date.  Payments that do not meet the requirements of 
this “Sending Us Payments” section may be subject to a delay in crediting of up to five (5) days after the date of receipt. 
When we receive a check in payment on your Account, we will credit the check as a payment to reduce the balance for purposes of calculating the 
interest you owe, but the full amount of your payment may not be reflected in your Available Credit for up to ten (10) Business Days, to allow us to be 
sure that the check is collected.
All payments must be payable in U.S. dollars from an account at a U.S. financial institution and otherwise in a form acceptable to us.  Payments made 
with a check drawn on a foreign bank will not be accepted. We do not accept cash payments through the mail.  You may not make payments using 
the available credit from your Account or any other credit account with us or any other company within the UMB organization.
Payments made through the mail must include the payment slip that we send you as part of your monthly billing Statement.
When you provide a check as payment, you authorize us to either (1) process the payment as a check transaction or (2) use the information from your 
check to make a one-time electronic fund transfer (“EFT”) from your deposit account.  When we use information from your check for an EFT, funds 
may be withdrawn from your deposit account as soon as the same day we receive your payment. If your check is converted into an electronic image 
it will be collected and returned electronically. 
We may, at our discretion, delay the availability of credit when you make a payment until we reasonably believe that your payment has cleared.  We 
do not provide you with a notice if we delay replenishing your Available Credit to ensure the collectability of your payment.  If we replenish your Credit 
Limit before a payment has cleared and a payment is returned to us unpaid, it will reduce your Available Credit, and may result in your Account being 
in an over-the-credit-limit status.
Any check or other payment that has restrictive words, conditions, limitations, or special instructions added (including payments marked with the 
words “Paid in Full” or similar language) and all accompanying communications must be mailed to and received at P.O. Box 419734, Kansas City, 
Missouri 64141-6734, and include the phrase “Attn: Payment of Disputed Amount” or words of similar effect in the heading of your letter.  If you make 
your payment or send any accompanying communications to any other address, we may accept and process the payment without losing any of our 
rights.  We may deposit any payment without that deposit effecting an accord and satisfaction with respect to the disputed amount.  
We can accept partial payments, late payments or payments with any restrictive writing without losing our rights under this Agreement.  You should 
not send us a postdated check to make a payment.  If you do so, we may decide to present the check for payment before the date that you wrote on 
the check, or return it without processing it for payment to the person who sent it.  We are not liable to you for any loss or expense arising from the 
action we decide to take in those circumstances.
We may adjust your Account as necessary to correct errors, to process returned and reversed payments, and to handle similar issues.
If applicable, your Statement will show the Minimum Payment Due and the Due Date.  To avoid a late payment fee, you must pay us at least this 
minimum payment amount no later than 15 days after the Due Date provided in the Statement.  In addition to the minimum payment, you may pay all 
or part of the total balance on your Account. You must still pay at least the minimum payment amount each month, even if you paid greater than the 
minimum on the previous Statement.  The entire balance is immediately due and payable if your Account is 180 days past due, part of a bankruptcy 
proceeding or is otherwise charged off. 
We may apply your Minimum Payment to your Account in any manner that we choose, including in a way that is most favorable to us.  However, all 
payments are applied in accordance with applicable law.
If you make a payment that exceeds your Minimum Payment, we will generally apply the excess amount to your Account balances in order of the 
highest Annual Percentage Rate to the lowest Annual Percentage Rate. 

Amounts in Ex-
cess of Minimum 
Payment
You may pay all or any part of your outstanding Account balance at any time.  Payment of more than the Minimum Payment Due in one billing period (but less than 
the outstanding balance) will not relieve you of the obligation to pay the entire Minimum Payment Due in any later billing period.

Prepay-
ment

Default:  The information below explains how you can avoid defaulting and what may happen if you do default.

Actions That Trigger a Default

Potential Results of Triggering a Default

To the extent permitted by applicable law, your Account will be in default if:
(a)  You fail to make any required Minimum Payment by the corresponding Payment Due Date;
(b)  Any payment you make is returned, not paid or cannot be processed and as a result, the 

required Minimum Payment is not made;

(c)  Your balance at any time exceeds your Credit Limit;
(d)  You fail to comply with any term of this Agreement;
(e)  You die or become legally incompetent;
(f)  You become insolvent or bankrupt, or you make a general assignment for the benefit of 

creditors;

(g)  Any  person  tries  to  attach,  levy  upon  or  otherwise  take  or  control  funds  of  yours  in  our 
possession, including any part of the Collateral, and including any other form of legal pro-
ceeding involving or relating to the Collateral or the Pledged Account;

(h)  You give us false or misleading information or an unauthorized signature at any time;
(i)  You fail to make any payment or perform any promise in any other agreement with us or on 

another obligation you owe us; or 

(j)  Any judgment, lien, attachment or execution is issued against you or any of your property.

If you are in default, we may take the following actions without notifying you, unless the 
law says that we must notify you:
(a)  Revoke your Account privileges temporarily or permanently and close your Account;
(b)  Lower your Credit Limits;
(c)  Declare your full Account balance to be immediately due and payable, subject to 

any notice and cure rights required by applicable law;

(d)  Exercise any or all of our rights as a secured creditor with respect to the Pledged 

Account and the funds on deposit in the Pledged Account;

(e)  Exercise any other right or remedy under this Agreement and applicable law;  
(f)  Continue to charge you interest charges and fees as long as your balances remain 

outstanding, subject to our compliance with applicable law; and

(g)  Subject to applicable law, charge you fees and expenses incurred when we try to 
collect on your Account, including, attorneys’ fees and court costs.  If you are a res-
ident of Nebraska, Iowa or any other state that prohibits contracting for or charging 
attorneys’ fees or other fees when you default, we will not charge you attorneys’ 
fees or those other fees.

4

Other Important Information and Terms:  The section below contains additional important information and terms about how we can change the terms of this Agreement, and your rights 
under certain circumstances to reject the changes that we announce.
Additional Details
Topic
We subscribe to the Visa Account Updater Service (VAU Service). Under this Service, if you have given a merchant your Card number 
When We 
and authorized the merchant to bill your Account periodically for recurring payments, or if you provided your Card number to a merchant 
Replace 
so that you can conveniently make purchases from the merchant from time to time, and we issue you a new Card number, your new 
Your 
Card number will automatically be sent to each merchant that subscribes to the VAU Service.  Because not all merchants or billing enti-
Card with 
ties subscribe to the VAU Service, you should always check with each individual merchant that you have authorized to bill your Account 
a Card 
to ensure that your payments will continue with your new Card number. 
Having a 
Different 
You can instruct us not to provide your new Card number to merchants by opting-out of the update service.  To opt out, call our Cus-
Number
tomer Service number, (800) 821- 5184. 

Summary
Sometimes, we need to send you 
a  new  Card  with  a  different  Card 
number  to  service  your  Account 
properly.    Your  existing  balance 
will be transferred to your new Ac-
count.
We will send your new Card num-
ber  to  merchants  who  participate 
in a Card update service and who 
you authorized to bill your Account 
automatically or that you gave your 
Card number to because you regu-
larly shop there and like to use your 
Card to make purchases there.
We have the right to make chang-
es to this Agreement.  We will noti-
fy you of these changes as we are 
required  to  and  in  the  time  frame 
prescribed by law.

Changes 
to this 
Agree-
ment

Change 
of Ad-
dress

If your name or address changes, 
please notify us of the change by 
writing to us on a separate sheet at 
Card  Services,  P.O.  Box  419734, 
Kansas City, Missouri 64141-6734.

Monitor-
ing/Re-
cording 
of Tele-
phone 
Calls
Report-
ing Infor-
mation 
to Credit 
Bureaus 
and 
Other 
Entities; 
Identity 
Theft

We,  and  other  parties  we  desig-
nate,  can  monitor  and  record  our 
telephone  conversations  with  you 
regarding your Account.  

We  will  report  information  about 
your Account to credit bureaus and 
obtain  and  use  credit  and  income 
information  about  you  from  con-
sumer  (credit)  reporting  agencies 
and  others  as  the  law  allows.    If 
you  ever  discover  what  you  be-
lieve  to  be  an  inaccuracy  in  the 
information that we report to credit 
bureaus, you must notify us.  Use 
the  address  provided  under  the 
heading  “Other  Customer  Service 
Information”  to  send  us  a  notice 
that you believe we have reported 
information inaccurately about your 
Account.

Liability We are generally not liable for any 
injuries,  accidents,  losses,  claims, 
expenses,  inconveniences,  costs 
or damages you sustain as a result 
of our failure to honor your Card.

You must inform us if you declare 
bankruptcy.

Bank-
ruptcy 
Notifica-
tion
Govern-
ing Law

Subject to applicable law, including the Truth in Lending Act and Regulation Z: (i) you agree that we may, in our sole discretion, from 
time to time change any of the terms and conditions of or add new terms and conditions to this Agreement, including changing the 
way that we compute interest charges, increasing or adding fees, or changing your Minimum Payment Due; (ii) any of those changes 
will generally be effective immediately unless we are required by applicable law or elect, in our discretion, to provide you with advance 
written notice of the changes (and/or the reasons for the changes), afford you the right to reject the change and/or obtain your consent 
to the change (whether by written agreement, through obtaining an Advance after a specified date or through some other means).  In 
those instances, those changes will be effective if, when and as stated in the notice that we send you; (iii) any changes may apply to 
your outstanding balance on the effective date of the change and to any future balances created after that date; and (iv) no change to 
any term of this Agreement will excuse your obligation to pay all amounts owing under this Agreement.
We need 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 date of birth;
(4)  your Social Security Number or other government identification number;
(5)  your telephone number(s); and
(6)  the amount of income that is available to you and the source of that income.
You must tell us when this information changes. Please update your address in the manner provided on your Statement. You may also 
update some of this information by logging onto your Account on our Online Banking website or by calling one of our representatives at 
the telephone number provided on your Statement or on the back of your Card.  We may require you to provide additional documents 
that are acceptable to us to verify this information or any changes.  We have the right to restrict or close your Account if we cannot verify 
your information or if you do not give us additional information as we requested.
You consent to and authorize us, any of our affiliates, or any third party we designate to monitor and/or record any of your telephone 
conversations with our representatives or the representatives of any of those companies regarding your Account.  

We may report information about your Account to other creditors, other financial institutions and credit bureaus. In addition, we may 
provide personal information about you to Visa USA (as applicable), its members or their or our respective contractors for the purpose 
of providing emergency cash and emergency card replacement services, to fulfill any rewards you earn if you participate in our rewards 
program or to provide any other Account benefit for which you are entitled.
Late payments, missed payments or other defaults on your Account may be reflected in your credit report.  Information we provide might 
appear on your and the Authorized Users’ credit reports. This could include negative information if you do not comply with the terms of 
this Agreement.  You have the right to dispute the accuracy of information we have reported.  If you believe that any information about 
your Account that we have reported to a credit bureau is inaccurate, or if you believe that you have been the victim of identity theft in 
connection with your Account or in connection with any other loan or extension of credit made by us, write us at the address given under 
the paragraph titled “Other Customer Service Information” below.  Please include the heading “Attn: Fraud/Dispute” when you address 
your envelope, and please include your name, address, Account number, telephone number and a brief description of the problem.  If 
available, please include a copy of the credit report in question.  If you believe that you have been the victim of identity theft, you should 
send us a police report or written statement in a form we provide you alleging that you are the victim of identity theft for a specific debt.  
Once we receive that documentation, we will cease all debt collection activity until we have reviewed the materials, determined that 
the debt is still collectible, complied with all obligations under federal law and sent you a written notice describing the basis for our 
determination.
We have no responsibility if anyone fails to honor your Card for any reason or for any retention of your Card by any machine, merchant, 
financial institution or any other person.  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 we are not responsible for any claim you might have regarding the purchases of 
goods or services made with your Card and 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. 
All bankruptcy notices and related correspondence to us must be sent to us at the address for payments under the paragraph titled 
“Other Customer Service Information” below.  Please include the heading “Attn: Bankruptcy Notice” when you address your envelope.

This  Agreement  is  governed  by 
Missouri and federal law.

This Agreement, your Card, your Account and all transactions hereunder are governed by Missouri and federal law.  The credit card fees 
that apply to your Account are governed by Missouri Revised Statutes Section 408.140.    The applicable statute of limitations period 
for all provisions and purposes under this Agreement (including the right to collect debt) will be the longer period provided by Missouri 
or the jurisdiction where you live.

5

Sever-
ability
Assign-
ment

Closing 
Your 
Account

The Agreement remains valid even 
if any provision is unenforceable.
We may sell, assign or transfer this 
Account, Account  balance,  or  any 
of  our  rights  or  obligations  under 
this  Agreement,  without  notice  to 
you or your consent, but you may 
not do so.
We may close or suspend your Ac-
count and your right to obtain cred-
it from us.  We may do this at any 
time and for any reason, permitted 
by law, even if you are not in de-
fault. A suspension of your Account 
might be permanent or temporary. 

Other 
Customer 
Service 
Informa-
tion  

Lost or 
Stolen 
Cards; 
Unau-
thorized 
Use

If you notice the loss or theft of your 
credit card or a possible unautho-
rized use of your Card, write to us 
immediately  at:  Card  Services, 
P.O.  Box  419734,  Kansas  City, 
MO  64141-6734,  or  call  (800) 
821- 5184. Telephoning us will not 
preserve your Billing Error Rights.
For billing errors or disputes:
Card Services
P.O. Box 419734
Kansas City, MO 64141-6734
To make a payment: 
Card Services
P.O. Box 291736
Kansas City, MO  64121-9736
To  reach  our  Customer  Service 
representatives:  
(800) 821-5184 or from the Kansas 
City area (816) 843-2000
Online banking website address:
www.umb.com
This  credit 
the 
Pledged Account,  pursuant  to  the 
Security Agreement.
Rewards Your  Account  might  provide  you 
with  the  opportunity  to  earn  re-
wards. 
When  circumstances  are  beyond 
our control.

Security 
Interest

Force 
Majeure

is  secured  by 

Using a 
PIN

We may give you a personal identi-
fication number (PIN). For security 
reasons, you might have to provide 
the  PIN  before  you  are  able  to 
complete some transactions using 
the Card.

Merchant 
Refunds

When you receive a refund from a 
Merchant.

Credit 
Balances

When you have a credit balance on 
your Account.

One 
Agree-
ment

If any provision of this Agreement is found to be invalid or unenforceable under any law, rule or regulation, that does not affect the 
validity or enforceability of any other provision of this Agreement.
You may not sell, assign or transfer your Account or any of your rights and obligations under this Agreement.  However, we may sell, 
assign or transfer your Account, or any balance due thereunder, and/or any of our rights and obligations under this Agreement, to a third 
party without prior notice to or consent by you.  Should we do so, then to the extent of any sale, assignment or transfer, that third party 
will take our place in this Agreement.  You must pay them and perform all of your obligations to them and not us.  If you pay us after 
you are informed or learn that we have transferred your Account or this Agreement, we can handle your payment in any way we think is 
reasonable. This includes returning the payment to you or forwarding the payment to the other company or person.
We reserve the right to close your Account and permit no further Advances to be made on the Account at any time, for any reason or no 
reason, without prior notice to or consent by you.
You may ask us to close your Account by calling or writing us as described on your Statement.  If you use your Card or charges post to 
your Account after you ask us to close it, we may keep it open or reopen it.
If your Account is closed or suspended for any reason, you must stop using your Card.  You must also cancel all billing arrangements 
that use the Account to make a payment.  We will not do this for you.  If we close or permanently suspend your Account, you must also 
destroy all Cards.  You must still pay us all amounts you owe on the Account, even if they are charged after your Account is closed or 
suspended.
You will not be liable for any unauthorized use that occurs after you notify us.  If your Account was opened primarily for personal, family 
or household purposes, you will not be liable for any unauthorized use that occurs before your notice to us.  If those exceptions do not 
apply, your liability for unauthorized use that occurs before you notify us will not exceed $50.
In general, when the Card is used for an unauthorized transaction (other than a transaction on a commercial card), you have no liability.  
You must promptly report the claim to us, and you must not have acted grossly negligently or fraudulently in handling your Card.
If we reimburse your Account for unauthorized charges made using your Card, you agree to help us investigate, pursue, and get reim-
bursement from the wrongdoer.  Your help includes giving us documents that we ask for and that are acceptable to us.

If you want to send us notices of billing disputes, or mail 
us payments, or reach our Customer Service represen-
tatives by phone, please use the information provided in 
the column to the left.  

We will consider a notice to be effective when we receive and have had a 
reasonable opportunity to act on the notice.  Any written or electronic cor-
respondence we send to you will be effective and deemed delivered when 
sent in accordance with any authorization for electronic communications you 
have agreed to, or when mailed to you at your mail address as it appears 
on our records.

The credit extended under this Agreement is secured by the Collateral as described in the Security Agreement set out above,  Without 
limitation of our rights under the Security Agreement, we can apply the Collateral to this Account balance in the event you fail to make 
a payment when due, or you otherwise default under this Agreement.  
If your Account provides you with the opportunity to earn rewards, we will separately provide you with information about your rewards. 
We will include on your Statements all rewards you have earned from us. It might take up to two billing periods for your earned rewards 
to appear on your Statement.
From time to time, due to circumstances beyond our control (for example, system failures, fires, floods, natural disasters, pandemics 
or other unpredictable events), our services might be unavailable. When this happens, you might be unable to use your Card or obtain 
information about your Account. We will not be responsible or liable if that happens.
With a PIN, you may use your Card to: (1) obtain cash from certain automated teller machines (ATM) or (2) make purchases at certain 
merchant or retailer point-of-sale devices (POS).  You may do these things if the ATM or POS requires entry of a PIN and displays the 
logo of the payment card network on your Card.  We will treat all ATM transactions as Cash Advances and all POS transactions as 
Purchases.
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.
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.  
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. We may reduce the amount of any credit balance by any new amounts billed 
to your Account. You may contact us as provided on your Statement and request a refund of any available credit balance. If you contact 
us in writing, we will refund your credit balance within 7 Business Days from our receipt of your written request.
This Cardholder Agreement, the Account Opening Disclosures, and the Pledge Agreement together form a single agreement and are 
meant to be read together.  Please keep each of them with the records for your Account.

6

What To Do If You Find a Mistake On Your Statement. If you think there is an error on your Statement, write to us at: Card Services, P.O. Box 419734, Kansas City, MO 64141-6734.

YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FURTHER USE

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

When you write us, please give us the following information:
•  Account information: Your name and account number.
•  Dollar amount: The dollar amount of the suspected 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 appeared on your 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 at (800) 821-5184, or from the Kansas City area, call (816) 843-2000, but if you do, we are not required to 
investigate any potential 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 cannot try to collect the amount in question, or report you as delinquent on that amount.
•  The charge in question may remain on your Statement, and we may continue to charge you interest on that amount.
•  While you do not have to pay the amount in question, 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 amount.
If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a Statement of the amount you owe 
and the date the payment 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 will 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 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. (Note: Neither 

of these are necessary if your purchase 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 credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.
3. You must not yet have fully paid for the purchase.

If all of the above criteria are met and you are still dissatisfied with the purchase, contact us in writing at: Card Services, P.O. Box 419734, Kansas City, MO 64141-6734.

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 do not pay, we may report you as delinquent.

7

Pledged Deposit Account Security Agreement
INTRODUCTION:  This is the security agreement relating to your secured credit card with UMB Bank, n.a. (“we”, “us” and “our”).  Capitalized terms used but not defined in this Pledged 
Deposit Account Security Agreement (the “Security Agreement”) are used as defined in the Visa® Secured Cardholder Agreement (the “Cardholder Agreement”), which is also being 
provided to you with your Card.  This Security Agreement is part of the Cardholder Agreement; be sure to read them together  The terms “you” or “your” mean the person who applied for 
a secured credit card that is used primarily for personal, family or household purposes, and to whom we issue a credit card Account and a secured credit card pursuant to the Cardholder 
Agreement and this Security Agreement.       

“Pledged 
Account” 

Grant of 
Security 
Interest

Additional 
Agreements

Rights on 
Default

Escheat-
ment of 
Dormant 
Accounts
Miscella-
neous 

One Agree-
ment

As a condition to and in consideration of our opening your credit card Account and permitting you to use it, you agree to authorize us to transfer a deposit of U.S. dollars 
you own, free and clear of any other pledge, security interest or other encumbrance, from a deposit account in good standing you have with us (the “Funds”), to a non-in-
terest bearing account held and controlled by us (the “Pledged Account”).  If you authorize the transaction but have insufficient Funds, the transaction may be rejected 
and may result in an insufficient funds charge; please refer to your Deposit Account Agreement for more information.  The Pledged Account, including all Funds, any 
additions to the Funds and any monetary proceeds of the Funds (collectively, the “Collateral”) secures your obligation to repay all balances and any other amounts you 
owe to us under the Cardholder Agreement or this Security Agreement.  
You may not withdraw any Funds from the Pledged Account without our prior express approval.  However, if any Collateral remains in the Pledged Account after the Ac-
count is closed and your credit card Account balance is repaid in full, then after a reasonable period of time has passed to ensure that there will be no further disputed or 
possibly disputable transactions, we will return the remaining Pledged Account funds to you by placing them in the deposit account from which the Funds were originally 
sourced or, if that deposit account is no longer available, or by means of a paper check issued to the address we have on file for you.  This may take up to ten weeks in 
some cases.  If you have died, we will not release the remaining Funds unless the above conditions are satisfied, and we have received any additional documentation 
we may require.    
We will maintain separate records of your Pledged Account.  Your Account monthly billing statement will include a statement of your Pledged Account balance.
Your Funds in the Pledged Account are insured by the Federal Deposit Insurance Corporation (“FDIC”) up to the maximum insurable limits provided by law.  You retain 
beneficial interest in the Pledged Account for purposes of FDIC insurance. 
You agree that your Pledged Account will also be governed by our Deposit Account Agreement (“Important Information Regarding Your Deposit Accounts”), which is 
available at any UMB Bank branch or by calling (800) 860-4UMB(4862). 
Funds placed in the Pledged Account are not included in determining the amount of your overall deposit relationship with us for purposes of considering your eligibility 
for special account pricing or fee waivers for other accounts you may have with us. 
You grant, pledge and assign to us a first priority security interest in the Pledged Account, and the other Collateral to secure your performance of each of your obligations 
under this Security Agreement and the Cardholder Agreement, as of the date you provide the Funds to us.  You irrevocably and unconditionally convey possession and 
control over the Collateral to us, and you grant, pledge and assign to us as security all of your right, title and interest in the Collateral.  You agree to take any action we 
request to confirm and evidence the creation and perfection of our security interest, or to protect our first lien priority position in the Collateral.  You confirm that you 
specifically intend to grant this security interest in the Pledged Account and other Collateral to us.  
The terms of this Security Agreement will survive and continue to apply to the Pledged Account and other Collateral following closure of the credit card Account or the 
Pledged Account, until we expressly release any remaining Funds to you as set forth above in the paragraph titled “Pledged Account.”
You agree that (i) you have not and will not seek to transfer your rights or interest in the Collateral to anyone else, or to offer the Collateral as security for any other 
obligation, in each case without our prior express consent, and (ii) there is no lawsuit, bankruptcy or insolvency proceeding, or general assignment of creditors in effect 
that might adversely affect our security interest in the Collateral.
If anyone seeks to attach the Collateral, for example, through legal garnishment, you agree that we may consider the balance of the credit card Account to be immediately 
payable and apply the Collateral in payment of the balance.  If we must hire an attorney to defend or enforce our rights under this Security Agreement or to perform any 
legal services in connection with this Security Agreement, you will pay our reasonable attorneys’ fees and court costs, unless the law does not allow us to collect some 
or all of those amounts.
This grant of security and the Security Agreement will continue to apply, and the Collateral will continue to be held by us as security for your obligations under this Security 
Agreement and the Cardholder Agreement, even if there is a change in the terms relating to the Account or the Cardholder Agreement, any partial release by us of any 
of the Collateral or any obligor, or any increase or decrease in the total credit limit of the Account.   
If you default on any obligation under the Cardholder Agreement or this Security Agreement, or your Account is otherwise in default as provided in the Cardholder Agree-
ment or is closed for any reason, you authorize us at any time(s) to withdraw Collateral from the Pledged Account and apply that amount to the Account, or otherwise 
exercise ownership rights with respect to the Pledged Account and Funds, in each case without sending you any prior notice or demand for payment, unless we are re-
quired to do so by applicable law.  We may do this in addition to exercising any other rights we have under the law, this Security Agreement or the Cardholder Agreement.  
You waive (i) any right to require us to first proceed against any person, or to pursue first any other remedy available to us, and (ii) to the extent applicable law permits, 
any homestead or other exemptions in the Collateral or any other defense you may have against us.  To the extent applicable law permits, you irrevocably appoint us as 
your attorney-in-fact to sign any instruments we deem appropriate to collect the amounts you owe. You agree to repay any obligation under the Cardholder Agreement 
that is not satisfied by applying Collateral funds.  No application of Collateral funds will constitute any part of the Minimum Payment Due under the Cardholder Agreement.
In the event you do not have any activity on your Account and do not contact us about your Account for a long period of time, or you die without leaving a will and have 
no surviving heirs or other legal representatives and the Funds are not legally claimed, State law may require that all Funds on deposit in your Pledged Account with us 
be turned over (escheated) to the applicable State abandoned property authority. Funds in dormant or inactive accounts also may be subject to the  laws of escheat and 
be required to be turned over to the appropriate State authority under certain circumstances.
This Security Agreement is governed by the laws of the state of Missouri. Our rights under this Security Agreement are cumulative and enforceable in addition to any other 
rights and remedies as may be available to us under applicable law.  In the event of a conflict regarding the security interest granted under this Security Agreement and 
any other agreement, this Security Agreement will control.  If we waive or delay in enforcing any of our rights under this Security Agreement, we do not lose that right or 
any other right of ours.  If any provision of this Security Agreement is found to be invalid or unenforceable under any law, rule or regulation, that does not affect the validity 
or enforceability of any other provision of this Security Agreement.  You may not sell, assign or transfer any of your rights and obligations under this Security Agreement.  
However, we can sell, assign or transfer any of our rights and obligations under this Security Agreement, to a third party without prior notice to or consent by you.  If we 
do so, then to the extent of any sale, assignment or transfer, that third party will take our place in this Security Agreement.  You must then perform all of your obligations 
under this Security Agreement for them and not us. 
 This Pledge Agreement and the Cardholder Agreement are together one single agreement and are meant to be read together.  Please make sure to keep each of them 
with the records for your Account.

8