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Important Credit Card Disclosure

The following disclosure represents important details concerning Your Credit Card. The information about costs of the Cards is accurate as of the effective date of April 1, 2020. You
can call us at the telephone number shown herein or write us at 423 Lynch Street, St. Louis, MO 63118 to inquire if any changes have occurred since the effective date.

Annual Percentage
Rate (APR) for
Purchases and Balance
Transfers    

Annual Percentage
Rate (APR) for Cash
Advances              

Interest Rate and Interest Charges        

Preferred Platinum VISA: 7.90% - 17.90% when you open your account,
based on your creditworthiness. After that, your APR will vary with the market based
on the Prime Rate. 

Platinum Points VISA: 9.90% - 19.90% when you open your account, based
on your creditworthiness. After that, your APR will vary with the market based on the
Prime Rate.

VISA Signature: 0.00% introductory APR for 12 months. After that, your APR will
be 12.25% - 22.25% based on your creditworthiness at the time your
established your account. After that, your APR will vary with the market based on the
Prime Rate. 

Platinum VISA: 11.90% - 21.90% when you open your account, based on
your creditworthiness.

Preferred Platinum VISA: 9.90% - 21.90% when you open your account,
based on your creditworthiness. After that, your APR will vary with the market based
on the Prime Rate.   

Platinum Points VISA: 11.90% - 23.90% when you open your account, based
on your creditworthiness. After that, your APR will vary with the market based on the
Prime Rate.

VISA Signature: 14.25% - 26.25% when you open your account based on
your creditworthiness. After that, your APR will vary with the market based on the
Prime Rate.

Platinum VISA: 13.90% - 25.00% when you open your account, based on
your creditworthiness. 

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Interest Rate and Interest Charges        

How to Avoid Paying
Interest on Purchases

You must pay your entire balance owed each month within 25 days of your statement
closing date.

Minimum Interest
Charge

If you are charged interest, the charge will be no less than $0.50.

For Credit Card Tips
from the Federal
Reserve Board

For more information about factors to consider when applying for or using a credit
card, visit the Consumer Financial Protection Bureau web site at
www.consumerfinance.gov/learnmore

Transaction Fees

Fees

Foreign Transaction:
For Preferred Platinum VISA, 1.00% of each transaction in U.S. Dollars
For Platinum Points VISA, 1.00% of each transaction in U.S. Dollars
For Platinum VISA, 1.00% of each transaction in U.S. Dollars
For Visa Signature, None

Cash Advance:
For Preferred Platinum VISA, $2.00
For Platinum Points VISA, $2.00
For Platinum VISA, $2.00
For VISA Signature, 3.00% of the advance ($10.00 minimum)

Penalty Fees

Late Payment: Up to $25
Returned Payment: Up to $25
Balance Transfer: $0
Annual Fee: $0

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your account agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

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