Pricing Addendum to VISA Credit Card Agreement 

Interest Rates and 
Charges 
Annual Percentage Rate 
(“APR”) for Purchases 

7.15% to 15.99%. The APR in effect after your introductory APR expires will 
vary with the market based on the Prime Rate. 

APR for Cash Advances  From 11.15% to 19.99%.  This APR will vary with the market based on the Prime Rate. 

APR for Balance 
Transfers 

Penalty APR and  
When it Applies 

Paying Interest 

Minimum Interest 
Charge 
Fees 
Annual Fee 
Transaction Fees 

From 7.15% to 15.99% if your Balance Transfer is treated as a Purchase, or from 
11.15% to 19.99% if your Balance Transfer is treated as a Cash Advance.  These APRs 
will vary with the market based on the Prime Rate. 
21.75%.  This APR may be applied to your account if you make a late payment.   

How long will the Penalty APR apply?  If your APRs are increased for the above 
reason, the Penalty APR will apply until you make six (6) consecutive payments of at 
least the minimum payment due.
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.
If you are charged interest, the charge will be no less than $0.50. 

None. 

•  Balance Transfer 

•  Cash Advance 

•  Foreign 

Transaction 

Three percent (3%) of the amount of the Balance Transfer, with a $15 minimum and no 
maximum. 
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 

Up to $35 

•  Returned Payment 

Up to $35 

•  Over the Credit 

None 

Limit 

The APRs shown in the above table represent our standard pricing for Balance Transfers. Special promotional 
APRs may be available, which apply for differing promotional periods such as 6 months or 1 year. Supplemental 
disclosures showing promotional APRs, the length of the promotional period, and the APRs that will apply at the 
end of the promotional period would be provided to you if you are approved for any special pricing on promotional 
offers.  

How we determine APRs: The Purchase and Cash Advance APRs are variable and may increase. An increase in 
the APR may increase your minimum monthly payment. The APR is 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. The APR for 
Purchases and Cash Advances will not exceed 25.00%, but if the Penalty APR applies, it will not exceed 27.90%.  

Margin: We will add a margin to the Prime Rate to determine the APR for Purchases.  This may range from 7.74% 
to 12.74%.   To determine the APR for Cash Advances, we will add anywhere from 11.74% to 16.74% to Prime 
Rate. We add 18.50% to the Prime Rate to determine the Penalty APR.  

Loss of Introductory and Promotional APRs: We may end your introductory APR and any Promotional APRs 
that you have been offered on Balance Transfers, Promotional Purchases or Special Promotional Items, and apply 
the Penalty APR if you make a late payment. 

How We Will Calculate Your Balance: We use a method called the “average daily balance (including new 
advances)”. For Cash Advances, we figure the interest charge on your account by applying the periodic rate to the 
“average daily balance” of your account. To get the “average daily balance” we take the beginning balance of your 
account each day, add any new advances, and subtract any payments or credits. This gives us the daily balance. 
Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing 
cycle. This gives us the “average daily balance”.  

  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
Visa Cardholder Agreement 
1. Your Agreement to these Terms and Conditions; Definitions. The terms and conditions in this Agreement govern 
your Card and all credit extended to you under this Agreement. The “Agreement” means this Visa Cardholder 
Agreement, the disclosures (“Account Opening Disclosures”) included on the Card carrier to which your new Card 
is attached, and any supplemental disclosures that we may send you regarding special features of your Account. 
The “Agreement” also includes amendments that become effective as required by law. When you apply for a Card 
or when you accept a Card by signing it, using it or consenting to its use by another, you agree to the terms and 
conditions contained in this Agreement. 

In this Agreement, “we”, “us” and “our” refer to UMB Bank, n.a. “You” and “your” refer, jointly and severally, to each 
individual who applies for or accepts a Visa credit card issued in connection with an Account we own. “Account” 
means your Visa credit card account with us. “Card” or “Cards” refer to the Visa cards, checks and Account number 
issued in connection with your Account. “Advance” means any credit we extend to you through your Account. The 
terms “Credit Limit” and “Unused Credit Limit” are defined in Section 3 below. “Purchase Advance” and “Cash 
Advance” are defined in Section 4. “Balance Transfer” is defined in Section 5. “Overdraft Advance” is defined in 
Section 6. “Finance Charge” is defined in Section 12. 

2. Use of Your Card; Annual Fee. You should sign your Card before you use it. The Card is our property, and you 
must give it back to us upon our request. You agree to use the Card only for legitimate purposes and not for any 
illegal transaction. 

We retain the right to charge the Account an annual fee for participating in and maintaining your Account with us. 
The amount of the annual fee, if any, is disclosed on the Account Opening Disclosures. If an annual fee is shown in 
the Account Opening Disclosures, the fee will be charged when your Account is opened and on each anniversary 
thereafter. The annual fee is non-refundable for that year and will not be prorated. You may cancel your Account for 
any subsequent year by notifying us within thirty (30) days after the renewal fee appears on your Monthly 
Statement. 

3. Credit Limit. Your Card has a “Credit Limit” established by us. The Credit Limit is the total amount of credit we 
have agreed to provide you through your Account. Your initial Credit Limit is shown in the Account Opening 
Disclosures. We may establish a portion of your Credit Limit that applies to Cash Advances (the “Cash Advance 
Limit”). If we create a separate Cash Advance Limit at the time your Account is opened, that limit is shown on your 
Account Opening Disclosures. At any given time, your “Unused Credit Limit” equals your Credit Limit minus the 
unpaid balance of your Account and minus all Advances made through your Account but not yet posted to it. Your 
Credit Limit, the total amount of your Unused Credit Limit, and the portion of your Unused Credit Limit that is 
available for Cash Advances will be shown on your Monthly Statement. We reserve the right at any time to increase 
or decrease your Credit Limit and to change your Cash Advance Limit, subject to our providing you with notice of 
the change as may be required by law. We may cancel your Card and related privileges at any time. 

You agree not to use or permit use of your Card for any Advance that (a) is in excess of your Unused Credit Limit at 
the time the Advance is made, (b) would cause the balance of your Account to exceed your Credit Limit, or (c) 
would cause you to exceed the Cash Advance Limit. You further agree that we are under no obligation to authorize 
or permit any such Advance. We are not required to honor your Card or authorize any Advance if your Account is in 
default or if your credit privileges have been suspended or terminated. We may elect to authorize or make an 
Advance under circumstances (including those described above) where we are not obligated to do so, and by doing 
so we will not be deemed to have given up any of our rights or to have agreed to make any additional Advances 
under any of those circumstances in the future. We may deny Card transactions if we have reasonable grounds to 
believe that the transaction may be fraudulent or unauthorized, or if the transaction originates from a country in 
which we have recently experienced significant fraudulent Card activity. 

4. Purchase Advances and Cash Advances. Subject to the other terms of this Agreement, we agree to make 
Advances which, at the time the Advance is to be made, are not in excess of your Unused Credit Limit or your Cash 
Advance Limit (for those transactions), to pay for: (a) the purchase of goods and services from any authorized Visa 
merchant, the purchase of credit insurance or debt protection coverage on your Account when you authorize it, any 
annual fee charged to the Account (see Section 2), return payment charges (see Section 21 below) and 
documentation charges (see Section 24) (all of these are called “Purchase Advances”), and (b) any cash advances 
made to you or on your behalf through use of your Card, by financial institutions, at automated teller machines or by 
others authorized to make Visa cash advances, and other transactions that are equivalent to cash, including, but 
not limited to, purchases of wire transfers, money orders, and travelers cheques (all of these are called “Cash 
Advances”). 

5. Balance Transfers. You may obtain an Advance under this Agreement to transfer an amount you have 
outstanding on an account you have with another creditor to your Account with us (a “Balance Transfer”). There are 
several different ways that you can obtain Balance Transfers. Depending on the method you use, the transfer may 
be treated as a Purchase Advance or a Cash Advance under this Agreement. 

(a) If you use an instrument or a form that we have provided with the words “Balance Transfer Check” or “Balance 
Transfer Request” printed on it, or if you obtain a Balance Transfer by calling our Service Center at (800) 821-5184, 
we will treat the Balance Transfer as a Purchase Advance under this Agreement. Balance Transfers that are 
treated as Purchase Advances incur a Balance Transfer Fee in the amount shown in the Account Opening 
Disclosures, unless the special promotional materials we provide to you in connection with the Balance Transfer 
indicate that no Balance Transfer Fee applies. The Balance Transfer will be posted to your Account as set forth in 
Section 9 below, and Balance Transfers that are treated as Purchase Advances will incur periodic rate interest 
charges as set forth in Section 15 below. 

(b) If you use an instrument that we have provided with the words “Convenience Check” or “Cashway Check” 
printed on it, or if you create another instrument with the same routing and transit information on it to make a 

  
 
 
 
 
 
 
 
 
 
 
 
payment to another creditor or for any other purpose, including a Balance Transfer, we will treat the transaction as 
a Cash Advance under this Agreement. Balance Transfers that are treated as Cash Advances incur the Cash 
Advance Fee set forth in the Account Opening Disclosures. The Balance Transfer will be posted to your Account as 
set forth in Section 9 below, and Balance Transfers that are treated as Cash Advances will incur periodic rate 
interest charges as set forth in Section 15 below. 

(c) You are not allowed to use a Balance Transfer to make a payment on this Account or on another account you 
have with us or with any of our related banks. We may refuse to make the Advance or return any such check or 
draft unpaid, even if you have a sufficient Unused Credit Limit to complete the transaction and the transaction 
would otherwise be within your Cash Advance Limit. Because we make Balance Transfers by check and send them 
to other creditors through the mail, there may be a delay in posting the Balance Transfer as a payment to your 
account with the other creditor, and you are responsible for keeping payments to the other creditor current. You 
must supply us with correct information that identifies your account with the other creditor, and we are entitled to 
rely on the information you give us in processing Balance Transfer requests. If you ask us to stop payment on a 
Balance Transfer request, your request must reach us before we have become accountable for the payment, and 
we must have a reasonable period of time to process your request. The amount of any Balance Transfer we 
process for you will be reflected on your Monthly Statement, but we do not return paid Balance Transfer checks, 
Convenience Checks or Cashway Checks with your Monthly Statement. 

6. Overdraft Advances. (a) You or any person responsible to us for repayment of your Account may arrange with us 
to have your Account provide overdraft protection for an eligible UMB checking account in which any of you has an 
ownership interest. Your Account can only provide overdraft protection for one checking account. If you have 
requested and we have agreed to provide such overdraft protection, the terms and conditions governing that 
coverage are set forth in a separate agreement that supplements this Agreement, which we will send you when we 
establish your overdraft protection. 

(b) In this Agreement, an Advance from your Account to cover an overdraft in your checking account is called an 
“Overdraft Advance.” Any Overdraft Advance will be treated as a Cash Advance under this Agreement, except that, 
for each Overdraft Advance, we charge the Overdraft Advance Fee shown in the Account Opening Disclosures, 
instead of charging the Cash Advance Fee. Each Overdraft Advance will be made in $100 increments. Overdraft 
Advances will be posted to your Account as set forth in Section 9 below, and the periodic rate interest charge on 
the Overdraft Advance will be charged as set forth in Section 15 below. 

7. Promise to Pay. You agree to repay all Advances and all credit extended by us on your Account, whether 
through the use of your Card or Account by you or by anyone authorized by you or for which you are otherwise 
legally responsible. You agree to repay, in accordance with the terms of this Agreement, all Advances, Finance 
Charges and other charges as provided in this Agreement. 

8. Monthly Statements. We will send you a monthly statement (“Monthly Statement”) that shows you all Advances, 
Finance Charges, payments, credits and other transactions on your Account during your most recent “Billing 
Period.” A Billing Period covers the approximately thirty (30) day period that begins on the day following the 
“Statement Closing Date” (as stated on your Previous Monthly Statement) and ends on the Statement Closing Date 
reflected on your Current Monthly Statement. Each Monthly Statement will show the total amount (“New Balance”) 
you owe us at the end of the Billing Period as a result of Advances, Finance Charges, other charges and payments 
and credits on your Account. Your Monthly Statement will also show a “Minimum Payment” that is calculated in 
accordance with Section 18 of this Agreement. The Minimum Payment will never exceed the New Balance. You 
agree to pay us, on or before the “Payment Due Date” shown on each Monthly Statement, the New Balance or, at 
your option, at least the Minimum Payment shown. The Payment Due Date will be no less than 21 days after we 
have sent you your Current Monthly Statement. Any payment amount in excess of the Minimum Payment will not 
be applied in satisfaction of future Minimum Payments. 

For purposes of this Agreement, the “Current Monthly Statement” refers, at any given time, to the most recent 
Monthly Statement we have sent to you and the “Current Billing Period” refers to the Billing Period covered by the 
Current Monthly Statement. The “Previous Monthly Statement” refers to the Monthly Statement immediately 
preceding the Current Monthly Statement, and the “Next Monthly Statement” refers to the Monthly Statement 
immediately following the Current Monthly Statement. 

9. Posting of Advances. Each Cash Advance will be posted to your Account as of the date the cash is advanced. If, 
however, the Cash Advance is a Balance Transfer obtained through use of a “Convenience Check,” a “Cashway 
Check,” or similar instrument (see Section 5 above), it will be posted as of the date the check or draft is received by 
us. Each Overdraft Advance will be posted to your Account as of the day your overdraft occurs. Each Purchase 
Advance will be posted to your Account as of the date the Purchase was made, but if the transaction is a Balance 
Transfer that you request through our Service Center or by using a “Balance Transfer Check” or “Balance Transfer 
Request Form” that we provide (see Section 5 above), the Balance Transfer will be posted to your Account with us 
within one (1) business day of our processing your request. If, however, a Cash Advance or Purchase Advance is 
made too late in a Billing Period to be posted on the Monthly Statement applicable to that Billing Period, the Cash 
Advance or Purchase Advance will be posted as of the first day of the next Billing Period. 

10. Foreign Transactions. (a) Currency Conversion. If a Cash Advance or Purchase Advance is made in a currency 
other than U. S. dollars, Visa USA will convert the Advance into U.S. dollars. The exchange rate used to convert 
the transaction currency into the billing currency when processing international transactions is a rate selected by 
Visa from the range of rates available in wholesale currency markets for the applicable central processing date or 
the government mandated rate in effect for the applicable central processing date. The rate used may vary from the 
rate Visa itself receives. 

(b) International Transaction Assessment Fee. We will assess a fee on the U. S. dollar amount of each Cash 
Advance or Purchase Advance occurring in a country outside the United States or a U. S. Territory. The amount of 

  
 
 
 
 
 
 
 
 
 
 
 
this fee is shown in the Account Opening Disclosures. This fee is in addition to any applicable Cash Advance Fee 
(see Section 14(a) below). The International Transaction Assessment Fee will be displayed in the “Fees” section of 
your Monthly Statement. The Monthly Periodic Rate and corresponding Annual Percentage Rate that apply to your 
Purchase Advances or Cash Advances also apply to the International Transaction Assessment Fee, as applicable 
(see Section 15 below). 

11. Promotional Program Purchases; Interest Deferral Period. (a) From time to time, you may be notified (on or by 
an insert in a Monthly Statement, in-store promotional literature, an advertisement in a publication or otherwise) of 
one or more promotional programs that are offered in connection with your Account. These promotional programs 
involve Purchase Advances for goods or services of a stated type from a qualifying merchant and in a qualifying 
amount, on which your obligation to pay periodic rate interest charges are deferred (postponed) for a specified 
period of time (called the “Deferral Period”) or are waived if the full amount of the purchase is repaid by the end of 
the Deferral Period. Purchases under these promotional programs are referred to as “Promotional Purchases.” The 
notice will refer to each such promotional program as a “Promotional Purchase” and will describe the period during 
which Promotional Purchases can be made, any minimum or maximum dollar amount and the type of purchases 
that qualify, and the period of time in each Deferral Period. 

(b) During the Deferral Period, periodic rate interest charges continue to accrue on the amount of the Promotional 
Purchase at the Annual Percentage Rate stated in the printed material you received in connection with the 
promotional program. See Section 15(b) of this Agreement. The unpaid amount of each Promotional Purchase will 
be included in the New Balance reflected on your Monthly Statements and is also used to calculate the minimum 
monthly payment you are required to make under Section 18 of this Agreement during the Deferral Period. 
However, during the Deferral Period, you do not pay periodic rate interest charges that accrue on the amount of the 
Promotional Purchase. The outstanding amount of each Promotional Purchase on which you do not pay periodic 
rate interest charges during the Deferral Period is called a “Deferral.” At the end of the Deferral Period, if the full 
amount of a Promotional Purchase has not been repaid, the periodic rate interest charges that accrued on the 
Promotional Purchase during the prior Billing Periods of its Deferral Period, and a periodic rate interest charge on 
the unpaid balance of the Promotional Purchase for the Current Billing Period, will be charged to your Account. A 
periodic rate interest charge on a Promotional Purchase whose Deferral Period has expired will continue to be 
charged to your Account at the Standard Annual Percentage Rate (see Section 15(a) of this Agreement) or the 
Penalty Annual Percentage Rate (see Section 16(c) of this Agreement), as applicable, during each following Billing 
Period in which any portion of the Promotional Purchase remains unpaid. 

(c) If additional types of special promotional programs (in addition to “Promotional Purchase” programs) are offered 
to Cardholders, the terms and conditions of each such program, together with appropriate disclosures and terms 
that modify and supplement those set forth in this Agreement, will be provided at or before the time a qualifying 
Purchase Advance or Cash Advance can be made under the program. Advances made under such promotional 
programs will be referred to as “Special Promotional Items.” For example, when you obtain a Balance Transfer 
through our Service Center or by using a “Balance Transfer Check” or “Balance Transfer Request Form” that we 
provide (see Section 5 above), the special promotional offer may involve a promotional rate of interest on the 
Balance Transfer for a specific period of time. Periodic rate interest charges, if any, will be assessed on these 
Balance Transfers from the date your Balance Transfer is posted to your Account. After the special promotional 
period has ended, any unpaid amount from the Special Promotional Item will incur the periodic rate interest charges 
that apply to Purchase Advances or Cash Advances under this Agreement, as applicable. This may be either the 
Standard Annual Percentage Rate that applies to the type of Advance (see Section 15(a) of this Agreement) or the 
Penalty Annual Percentage Rate (see Section 16(c) of this Agreement), depending on your payment history. 

(d) The “Transaction Information” section on the front of your Monthly Statement will reflect the amount of each 
Promotional Purchase and each Special Promotional Item posted to your Account, together with the date on which 
the Deferral Period for a Promotional Purchase will expire or the date the promotional period for the Special 
Promotional Item will end. 

12. Finance Charge. Subject to the exceptions and conditions stated below, you agree to pay a “Finance Charge” 
on your Account. The Finance Charge may include, as applicable, a periodic rate interest charge on your Account 
balances (see Section 13 below), certain transaction-based fees (see Section 14 below), and a minimum interest 
charge, under certain circumstances. A minimum interest charge will be charged to your Account for any Billing 
Period in which a Finance Charge is due. The amount of the minimum interest charge is set forth in the Account 
Opening Disclosures. 

13. How We Calculate the Periodic Rate Interest Charge. We figure the periodic rate interest charge on your 
Account by multiplying the applicable periodic interest rate (described in Section 15) times the “Cash Advance 
Average Daily Balance” (for Cash Advances), the “Purchase Advance Average Daily Balance” (for Purchase 
Advances) and each “Promotional Purchase (or Special Promotional Item) Average Daily Balance” of your Account 
(as appropriate) for the Current Billing Period. 

(a) Cash Advance Average Daily Balance. To figure the Cash Advance Average Daily Balance, we take the 
beginning Cash Advance balance each day, add any new Cash Advances as of the transaction date, and subtract 
any payments received or credits posted to your Account that are applied to your Cash Advance balance that day. 
This gives us the Cash Advance daily balance. Then we add up all the Cash Advance daily balances for the 
Current Billing Period and divide the total by the number of days in the Billing Period. This is the Cash Advance 
Average Daily Balance. 

(b) Purchase Advance Average Daily Balance. If you pay in full the entire New Balance (after subtracting all 
Deferrals) shown on your Previous Monthly Statement on or before the Payment Due Date for that statement, then 
we do not assess a periodic rate interest charge on the balance of your Purchase Advances during the Current 
Billing Period. If full payment (excluding Deferrals) was not received by the Payment Due Date, then we assess a 
periodic rate interest charge on the Purchase Advance Average Daily Balance for the Current Billing Period. To 

  
 
 
 
 
 
 
 
 
 
 
figure the Purchase Advance Average Daily Balance, we take the beginning balance of your Purchase Advances 
each day (excluding Promotional Purchases and Special Promotional Items), add any new Purchase Advances 
(excluding Promotional Purchases and Special Promotional Items), and subtract any payments received or credits 
posted to your Account that are applied to your Purchase Advance balance that day. This gives us your Purchase 
Advances daily balance. Then we add up all the Purchase Advance daily balances for the Current Billing Period 
and divide the total by the number of days in the Billing Period. This is the Purchase Advance Average Daily 
Balance. 

(c) Promotional Purchase (or Special Promotional Item) Average Daily Balance. To determine the Promotional 
Purchase (or Special Promotional Item) Average Daily Balance, we take the difference between the original amount 
of the Promotional Purchases or Special Promotional Items and the sum of all payments or credits posted to your 
Account that were applied toward the Promotional Purchases or Special Promotional Items. This gives us the daily 
balance of Promotional Purchases (or Special Promotional Items). Then we add up all the daily balances of 
Promotional Purchases (or Special Promotional Items) for the Current Billing Period and divide the total by the 
number of days in the Current Billing Period. This is the Promotional Purchase (or Special Promotional Item) 
Average Daily Balance. 

14. Transaction-Based Finance Charges. (a) Cash Advance Fee. A Cash Advance Fee will be charged to your 
Account for each Cash Advance, including a Balance Transfer that is treated as a Cash Advance (see Section 5 
above). However, a different fee is charged for an Overdraft Advance, even though it is otherwise treated as a 
Cash Advance (see subsection (c) below). The amount of the Cash Advance Fee is set forth in the Account 
Opening Disclosures. The Cash Advance Fee is a Finance Charge, and will be posted to your Account as of the 
date of the Cash Advance. 

(b) Balance Transfer Fee. A Balance Transfer Fee will be charged to your Account for each Balance Transfer that 
is treated as a Purchase Advance (see Section 5 above). The amount of the Balance Transfer Fee is set forth in 
the Account Opening Disclosures. This fee is a Finance Charge, but when the Balance Transfer is treated as a 
Purchase Advance, the amount of the Balance Transfer Fee is added to the Purchase Advance daily balance, 
within one (1) business day after we process your Balance Transfer request. 

(c) Overdraft Advance Fee. An Overdraft Advance Fee will be charged to your Account for each Overdraft 
Advance. The amount of the Overdraft Advance Fee is shown in the Account Opening Disclosures. The Overdraft 
Advance Fee is a Finance Charge, and will be posted to your Account as of the date of the Overdraft Advance. 

(d) International Transaction Assessment Fee. The International Transaction Assessment Fee is also a transaction-
based Finance Charge assessed to your Account (see Section 10(b) above). The amount of the fee is shown in the 
Account Opening Disclosures. The International Transaction Assessment Fee is a Finance Charge, and will be 
added to your daily balances of Purchase Advances or Cash Advances (depending on whether the transaction a 
Purchase Advance or a Cash Advance) as of the date we post the international transaction to your Account. 

15. Periodic Interest Rates and Annual Percentage Rates. A monthly periodic interest rate, and a corresponding 
Annual Percentage Rate, is used to calculate any periodic rate interest charge on the Cash Advance Average Daily 
Balance and on the Purchase Advance Average Daily Balance of your Account. A different Annual Percentage 
Rate may apply to Cash Advances and to Purchase Advances. Each such rate in effect during the Billing Period will 
be identified on the front of the last page of your Monthly Statement in the “Interest Charge Calculation” section. 
Each such Annual Percentage Rate is a variable rate that is subject to change. The periodic rate interest charge for 
Purchase Advances and for Cash Advances will not exceed 25.00% Annual Percentage Rate, unless the Penalty 
Annual Percentage Rate applies to your Account, in which case the Annual Percentage Rate will not exceed 
27.90% (see Section 16(c)). 

(a) Standard Periodic Interest Rate and Annual Percentage Rate for Purchase Advances and Cash Advances. The 
standard periodic interest rate that applies to Purchase Advances and to Cash Advances is determined by taking 
the applicable “Base Rate” (see Section 16(a)), adding the applicable “Standard Margin” (see Section 16(b)), and 
dividing that sum by twelve. The Standard Annual Percentage Rate applicable to Purchase Advances and Cash 
Advances is determined by taking the applicable Base Rate and adding the applicable Standard Margin. The 
variable Annual Percentage Rate for Purchase Advances and Cash Advances that apply as of the date this 
Cardholder Agreement is provided is printed in the Account Opening Disclosures. Because the Base Rate is a 
variable rate (see Section 16(a)), the Annual Percentage Rate for Purchase Advances and the Annual Percentage 
Rate for Cash Advances will change over time from the rates shown in the Account Opening Disclosures. The 
Annual Percentage Rate for Purchase Advances and Cash Advances may increase if the Base Rate increases 
(see Section 16(a)), or if your payment history causes you to no longer qualify for the Standard Margin (see 
Section16(c)). The interest rate will never exceed the maximum rate permitted by applicable law. Any increase in 
an Annual Percentage Rate may result in an increase in the amount of any periodic rate interest charge to your 
Account, and may increase your required Minimum Payment. 

(b) Periodic Interest Rate and Annual Percentage Rate for Promotional Purchases (or Special Promotional Items). 
The Annual Percentage Rate used to calculate any periodic rate interest charge on the Average Daily Balance of a 
particular Promotional Purchase (or Special Promotional Item) for your Account is stated in the printed material you 
received in connection with the Promotional Purchase or Special Promotional Item, and may be a variable rate. If 
the interest rate is variable, it is determined in the same way as described in Section 16 below, except that the 
“Standard Margin” may be different, depending on what is stated in the printed material you received. The Annual 
Percentage Rate that applies to your Promotional Purchase (or Special Promotional Item) may increase if your 
payment history causes you to no longer qualify for the promotional rate that is stated in the printed material that 
applies to the particular Promotional Purchase or Special Promotional Item (see Section 16(c)). The interest rate 
will never exceed the maximum rate permitted by applicable law. Any increase in an Annual Percentage Rate due 
to the application of the Penalty Annual Percentage Rate may result in an increase in the amount of any periodic 
rate interest charge to your Account, and may increase your required Minimum Payment. 

  
 
 
 
 
 
 
 
 
 
 
16. Base Rate and Margins. (a) Base Rate. Beginning the first month after we issue your Card, the “Base Rate” 
used to determine your monthly periodic interest rate and the applicable Annual Percentage Rate will be adjusted 
each month to equal the rate disclosed as the “Prime Rate” as published in the “Money Rates” section of The Wall 
Street Journal on the 15th day of such month (or on the next business day, if the 15th falls on a weekend or a 
holiday). Each such adjusted Base Rate will be used to determine your monthly periodic interest rate that will be 
used to compute the monthly periodic rate interest charge assessed during the Billing Period that has a Statement 
Closing Date later than the last day of the month in which such Base Rate was redetermined and readjusted. If 
more than one Prime Rate is listed in that publication on the day that the Prime Rate is determined under this 
Agreement, the average of the published rates will be used. If, at any time, The Wall Street Journal ceases to 
publish the Prime Rate, we will select a new index that is based on comparable information. 

(b) Standard Margin. Beginning the first month after your Card is issued, the “Standard Margin” used to figure your 
periodic interest rate depends on whether the transaction is a Purchase Advance or a Cash Advance. The 
applicable Standard Margin (which is the number of percentage points that will be added to the Base Rate) for 
Purchase Advances and for Cash Advances is set forth in the Account Opening Disclosures. Each Standard Margin 
will continue to apply to your Account, unless you trigger the Penalty Margin (see subsection (c) below). 

(c) Penalty Margin. The Penalty Margin for Purchase Advances and Cash Advances (which is added to the Base 
Rate to determine your Penalty Annual Percentage Rate) is 18.50 percentage points. However, the Penalty 
Annual Percentage Rate will never exceed 27.90%. You will trigger the Penalty Margin if you fail to pay at least 
the Minimum Payment reflected on your Current Monthly Statement by the Payment Due Date shown on that 
statement. Once the Penalty Margin is triggered, we will provide you with at least 45 days advance written notice 
and you may have a right to reject the Penalty Margin before we charge the Penalty Annual Percentage Rate to 
your Account. (If you reject this change, your Account will be closed and you will no longer to be able to use your 
Card.) You can avoid application of the Penalty Margin and Penalty Annual Percentage Rate to your Account by 
paying at least the Minimum Payment by the Statement Closing Date of the Billing Period following the close of the 
Next Monthly Statement. (The period between the Payment Due Date on the Current Monthly Statement for which 
your Minimum Payment was not received and the Statement Closing Date of the Billing Period following the close 
of the Next Monthly Statement is called the “Cure Period”). Once the Penalty Margin is applied to your Account, you 
will be charged the Penalty Annual Percentage Rate until you have, for six (6) consecutive Billing Periods, paid the 
full Minimum Payment as shown on your Monthly Statement by the Payment Due Date. Once the Penalty Margin 
no longer applies, the Standard Margin for Cash Advances or for Purchase Advances, as appropriate, will be added 
to the Base Rate, beginning with the next Billing Period. If, however, you were receiving a special promotional rate 
on Deferrals or Special Promotional Items (see Section 11 above) at the time that the Penalty Annual Percentage 
Rate became applicable to your Account, and the Deferral Period or special promotional period has not ended once 
the Penalty Margin no longer applies, you will receive the special promotional rate until the regular end of the 
Deferral Period or special promotional period. Your Account can again incur the Penalty Annual Percentage Rate 
if you again fail to make a payment on time as set forth in this subsection (c). 

17. Grace Period. (a) Cash Advances. There is no grace period for Cash Advances. 

(b) Promotional Purchases. We do not charge your Account for periodic rate interest charges on Promotional 
Purchases if the full amount of the Promotional Purchase is paid by the end of the Deferral Period. If however, at 
the end of the Deferral Period, the full amount of the Promotional Purchase has not been paid, the periodic rate 
interest charges that accrued on the Promotional Purchase during all prior Billing Periods of the Deferral Period, 
and a periodic rate interest charge on the unpaid balance of the Promotional Purchase for the Current Billing 
Period, will be charged to your Account.  

(c) Purchase Advances. We do not charge periodic rate interest charges on Purchase Advances (including on 
Special Promotional Items that are not Cash Advances, but not including Promotional Purchases and accruals on 
Deferrals) if your New Balance for your Previous Monthly Statement was paid in full on or before the Payment Due 
Date for that Monthly Statement. If you do not pay your New Balance in full prior to the Payment Due Date for the 
Current Monthly Statement, but instead pay only part of your New Balance, we do not charge periodic rate interest 
charges on the portion of your Purchase Advance balance that was paid that month, but will charge periodic 
interest charges on the amount of your Purchase Advance balance that remains unpaid beginning on the first day 
of your Next Monthly Statement. 

18. Monthly Payment. On or before the Payment Due Date shown on each Current Monthly Statement, a minimum 
portion of the New Balance must be paid (the “Minimum Payment”). The Minimum Payment amount will be stated 
on your Monthly Statement. The Minimum Payment amount equals (a) any Minimum Payment remaining unpaid 
from a prior Monthly Statement, plus (b) the greater of (i) $25.00 or the amount of any late charge or return 
payment charge you incur during that Statement Cycle (if that amount is greater than $25), or (ii) the sum of one 
percent (1%) of the New Balance (including Deferrals) plus total billed periodic interest charges (which do not 
include periodic rate interest charges that accrue on Promotional Purchases prior to the expiration of the Deferral 
Period (see Section 11 of this Agreement), plus any Late Charges, Return Payment Charge or Over the Credit Limit 
Fees (if any) that are shown on the Current Monthly Statement. The Minimum Payment will never exceed your 
Account balance. 

All payments must be payable in U.S. dollars and not in another country’s currency and must not be paid with a 
check drawn on a foreign bank. You must not send cash in the mail. Payments that we receive by 5:00 p.m. on any 
banking day at the post office box address for payments shown on your Monthly Statement, that include only one 
account payment, and that include the payment slip that we send as part of your Monthly Statement will be credited 
to your Account as of that day. If the Payment Due Date falls on a weekend or holiday, we will treat any such 
payment received by us at the post office box address shown on your Monthly Statement by 5:00 p.m. on our next 
business day as being received by us on the Payment Due Date. If you make a payment in person to a teller in one 
of our branch offices, we will credit the payment to your Account on the day it is received. Payments made through 
our Online Banking Service or over the telephone to a representative in our Call Center must meet the timing 

  
 
 
 
 
 
 
 
 
 
requirements that apply to that service to be credited on the same business day as received. Payments that don’t 
meet the requirements described above, or payments that we receive at any other location or address, may be 
subject to a delay in crediting of up to five (5) days after the date of receipt. Payments not made in U.S. dollars may 
be returned to you unprocessed. 

You may prepay the balance of your Account in full or in part at any time without any prepayment charge. 

When you provide a check as payment, you authorize us either to process the payment as a check transaction or to 
use information from your check to make a one-time electronic fund transfer from your account at the institution 
holding your checking account. When we use your check to make an electronic payment, we will send the 
information from your check, such as your financial institution’s routing number, your checking account number, 
your check number and the amount of your payment, to that institution electronically. The institution holding your 
checking account will deduct the payment and show the transaction as a one-time electronic debit on your bank 
statement, and will identify us as the party to whom the payment was made. Your check number and a description 
such as “Account Payment” may also be included. Because we send the transaction electronically, we do not send 
the original check to that financial institution, and you will not receive your check in your statement from that 
financial institution. We will destroy your original check but we will retain an image of it. If your electronic payment is 
returned to us unpaid, we can resubmit the check or the electronic payment as permitted by applicable payment 
system rules. When we use information from your check to make an electronic fund transfer, funds may be 
withdrawn from your account as soon as the same day we receive your payment. 

19. Late Charge. If you fail to pay the minimum portion of your New Balance, as required in Section 18 of this 
Agreement above (titled “Monthly Payment”), we may assess a late payment charge to your Account. The amount 
of the late charge is $25 if you fail to pay the Minimum Payment shown on your Monthly Statement by the stated 
Payment Due Date reflected on the next Monthly Statement (which will be no less than 21 days after the Statement 
Closing Date shown on the Current Monthly Statement). A late payment charge of up to $35 may apply to your 
Account if you fail to pay the Minimum Payment shown on your Monthly Statement by the stated Payment Due 
Date more than one time during a six month period. Those amounts are subject to change based on changes to the 
Consumer Price Index. 

20. Application of Payments. Each Billing Period, to the extent that your payments exceed the Minimum Payment 
shown on your Current Monthly Statement, we will apply these excess amounts to your Account balances in order 
of the periodic rate interest charge applicable to the balance of each transaction category (as referenced in Section 
15), generally from highest to lowest, beginning with the balance that is subject to the highest periodic rate interest 
charge. However, unless all your other Account balances have been paid in full, we will not apply any portion of 
your payments against Promotional Purchases during their respective Deferral Periods until the last two Billing 
Periods immediately preceding the expiration of the Deferral Period. During the last two Billing Periods immediately 
preceding the expiration of the Deferral Period, we will apply your entire payment amount above the Minimum 
Payment to the outstanding balance of your Deferral. Otherwise, we will apply payments and credits at our 
discretion, including in a manner most favorable or convenient for us. In all cases, we will apply payments and 
credits in accordance with applicable law. 

21. Returned Payment Charge. We may, to the extent permitted by applicable law, charge a returned payment 
charge to your Account for each check, draft or other similar instrument or electronic debit sent to us as payment on 
your Account which is returned to us unpaid. The amount of the returned payment charge is $25 for the first such 
returned payment,. The return payment charge increases to $35 for each additional check, draft or similar 
instrument or electronic debit sent to us as payment on your Account that is returned unpaid during a six month 
period. Those amounts are subject to change based on changes to the Consumer Price Index. You may only be 
charged one fee if your payment is late and the check or other form of payment you submitted for that payment is 
later returned. If we convert your check to an electronic debit that is returned to us unpaid, the same return 
payment charge that applies to checks will apply to the electronic debit. 

22. Overlimit Condition. If at any time during a Billing Cycle, your Account balance is in excess of your then-
applicable Credit Limit, we may refuse to make additional Advances, and may consider your Account in default. In 
the future, we may establish conditions under which, subject to our discretion and in compliance with applicable 
law, we allow you to obtain Advances on your Account above your Credit Limit, and we may charge an Over the 
Credit Limit Fee. You will be required to “opt-in” before incurring any Over the Credit Limit Fee on your Account. 

23. Participation in Rewards Program. Your participation in our Rewards Program is subject to the Rewards 
Program rules which we will be sent to you when you enroll in the Rewards Program. Your Rewards balance will 
appear on your Monthly Statement immediately following your monthly transaction summary. 

24. Documentation Charge. If you request a duplicate copy of your Monthly Statement, a check you wrote on your 
Account or another document related to your Account, we may impose a charge for sending you the copy, unless 
prohibited by law. The amount of the fee may change from time to time. You may call our Service Center at (800) 
821-5184 for the current amount of the documentation charge. The documentation charge will not be imposed if 
your request is in connection with a written notice of a billing error, or when you ask for another copy of your 
Cardholder Agreement or Account Opening Disclosures. 

25. Liability. We have no responsibility for any failure to honor your Card 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 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. 

  
 
 
 
 
 
 
 
 
 
 
 
 
26. Card Renewal; Account Termination. You request us to issue a renewal Card on or before the expiration date if 
your Account is open and in good standing at the time. We may, at any time, without liability to you and without 
affecting your obligation to pay all amounts you owe to us, terminate all credit available to you, suspend or 
terminate your Account and revoke your Card. All Cards are owned by us. You agree, upon our demand, to 
immediately surrender your Card to us cut in half. You agree that, even if your Card is revoked, you will remain 
responsible for all obligations which you incur under this Agreement. 

27. Delayed Enforcement. We may delay enforcing our rights under this Agreement without waiving those rights. 
Our failure to exercise any of our rights when you default does not mean we are unable to exercise those rights 
upon later default. We may accept late or partial payments, as well as payments marked “payment in full” or with 
other restrictive endorsements, without losing any of our rights under this Agreement. 

28. 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 Payment Due Date shown on your Monthly Statement; (b) your balance at any 
time exceeds your Credit Limit; (c) you fail to comply with any term of this Agreement; (d) you die or become legally 
incompetent; (e) you become insolvent or bankrupt; (f) you provide us with false or misleading information or 
signatures at any time; (g) you fail to make any payment or perform any promise in any other agreement or 
obligation you owe us; or (h) any judgment, lien, attachment or execution is issued against you or your property. 
Thereafter, we may revoke your Account privileges, and upon satisfaction of any notice requirements and/or 
expiration of any cure period required by applicable law, we may declare your Account balance to be immediately 
due and payable in full without giving you any other prior notice. We may exercise any right or remedy under this 
Agreement and applicable law. 

29. Collection Charges. In the event we refer your Account to an attorney who is not our salaried employee, you 
agree to pay all charges and expenses, including reasonable attorney fees and litigation expenses, to the extent 
permitted by applicable law. This section does not apply to you if you are a resident of the State of Nebraska, Iowa 
or any other state that prohibits contracting for or charging of attorney fees with or to its residents. 

30. Amendment. We can change the terms of this Agreement without notice to you, unless notice is required by 
applicable law. If such notice is required by law, we will send you notice at your address shown on our records. 
That notice may be sent by electronic means if any person liable on this Account has given us their consent to 
receive electronic notices regarding this Account. Any amendment will become effective at the time we state in our 
notice or, if no notice is required, as permitted by applicable law. Under certain circumstances, you may have a 
right to “opt-out” of a proposed amendment to this Agreement. If you exercise your “opt-out” rights within the 
required time period, you will no longer be able to use the Account. Under those circumstances, we will close your 
Account and inform you of any new Minimum Payment that applies. We may, at any time, add new credit services 
or replace your Card with another Card if we comply with applicable requirements of law. 

31. Assignment of your Account. You may not assign or transfer your Account to another person. You agree that 
we may, at any time, assign and transfer your Account, this Agreement and our rights and obligations under this 
Agreement, without your consent or notice to you. The assignee of your Account and this Agreement shall be 
entitled to all of our rights under this Agreement. 

32. Credit Information. You agree that we and any of our affiliate banks may share with one another, and use and 
rely upon, information which each may have relating to you and to the checking, credit, deposit, loan, savings and 
other accounts which you have, have had or may have in the future with us or them, unless you have given us 
notice that you “opt-out” of information sharing with our affiliates in the manner set forth in our Privacy Policy. You 
also agree we and any of our affiliate banks may make credit inquiries about you and, in response to credit 
inquiries, may give information about you and your Account to others. 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 to which you are entitled. If a 
name other than UMB Bank appears on the front of your Card, your Card is issued as part of a Co-Brand 
relationship between UMB Bank and the company shown on the Card. A Co-Brand Card provides you with services 
or benefits from both UMB Bank and that company, and you agree that information concerning your Card and 
Account may be shared between UMB Bank and that company from time to time. 

33. Governing Law. This Agreement, your Card, your Account and all transactions hereunder are governed by 
Missouri and federal law. The fees and charges that apply to your Account (other than the amount of the Finance 
Charge that is calculated by applying a periodic interest rate to your Average Daily Balance) will be governed by 
Nebraska law, as authorized by Missouri Revised Statutes Section 408.145. 

34. Severability. The invalidity of any provision of this Agreement shall not affect the validity of any other provision. 

35. Lost or Stolen Cards. If a Card is lost or stolen, we must be notified at once. You should also notify us if you 
think someone used your Card without your authorization. You may notify us by letter at the address set forth for 
Inquiries or Billing Errors at the end of this Agreement, or by telephone at (800) 821-5184. You agree to give us 
complete cooperation in our efforts to recover any stolen Card and amounts due from unauthorized users and in 
prosecuting unauthorized users. 

36. Unauthorized Use of Your Visa Account. If you notice the loss or theft of your credit card or a possible 
unauthorized use of your Card, you should 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. 

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 or if you are an employee of a business and your Card was issued in 
connection with your business activities, 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. 

Visa has imposed certain restrictions on the amount that we may charge a Cardholder for the unauthorized use of a 
Card. In general, when the Card is used for a Visa transaction (other than an ATM transaction or 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 negligent or fraudulently in handling your Card. The Visa rules will apply to all applicable losses as a result 
of unauthorized use of the Card, unless the Visa rules are repealed or revised. 

37. Security Interest. The credit extended under this Agreement is not secured by any collateral, even if other 
agreements which you may have executed would otherwise secure it. We waive, but only with respect to 
indebtedness arising under this Agreement, any security interest which may otherwise secure the indebtedness 
arising under this Agreement. 

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. 

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. 

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. 

SEND INQUIRIES AND BILLING ERROR NOTICES TO: 
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. 
Change of Address 
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.