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

18%. 

Penalty APR and  
When it Applies 

22%.  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 20 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.   
If you are charged interest, the charge will be no less  
than $0.50. 

None. 

$20 
$29 

None 

Paying Interest 

Minimum Interest 
Charge 
Fees 
Annual Fee 
Penalty Fees 

  Late Payment 
  Returned Payment 
  Over the Credit 

Limit 

The APRs shown in the above table are fixed rates and will not change after an  
account is opened.  After that time, the APRs will not change without us providing  
at least 45 days advance notice.   

How We Will Calculate Your Balance: We use a method called the “average daily  
balance (including new advances)”. 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”.  

Cardholder Agreement 
1. Definitions. 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 Card issued in connection with 
an Account we own, or if the application submitted to open the Account 
is a commercial application, the terms "you" and "your" refer to the 
Company identified in the application. “Account” means your account 
with us. “Card” or “Cards” refer to the cards accompanying this 
Agreement and the Account number issued in connection with your 
Account. “Advance” means any credit we extend to you under this 
Agreement. When you apply for a Card or when you accept a Card by 
signing, using or consenting to the use by others of your Card, you 
agree to the following terms and conditions. 
2. Use of Your Account. The terms and conditions in this 
Agreement govern your Card and all credit extended to you under this 
Agreement. You should sign your Card before you use it.The Card is 
our property, and you must surrender it to us upon our request. We may 
cancel your Card and privileges at any time. You hereby request us to 
issue a renewal Card on or before the expiration date. We may deny 

 
 
 
 
 
 
 
 
Card transactions if we have reasonable grounds to believe that the 
transaction may be fraudulent or unauthorized. 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. 
You agree to use the Card only for legitimate purposes and not for any 
illegal transactions. 
3. Credit Limit. We have established for your Account the initial 
“Credit Limit” indicated on the accompanying Card Carrier to which 
your new Card is attached. We reserve the right at any time to increase 
or decrease your Credit Limit. You agree not to use or permit use of 
your Card for any Advance that (a) is in excess of your Unused Credit 
Limit (as defined below) at the time such Advance is made or (b) would 
cause the balance of your Account to exceed your Credit Limit. You further 
agree that we do not need to authorize or permit any such Advance. 
At any given time, your “Unused Credit Limit” will be equal to your 
Credit Limit minus the unpaid balance of your Account and minus all 
Advances made on, but not yet posted to, your Account. We don’t have 
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. 
4. Promise to Pay. Subject to the terms of this Agreement, we 
agree to make Advances which are, at the time such Advance is to be 
made, not in excess of your Unused Credit Limit, to pay for the purchase 
of goods and services from any authorized merchant whose name 
appears on the Card accompanying this Agreement and the purchase of 
authorized credit insurance on your Account, if the purchases are made 
through the use of your Card or your Account. 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. If your Account is in the name of two or more persons, 
each of you is jointly and individually liable for the repayment of all 
credit extended under your Account, and each of you is authorized to 
request a change in your Credit Limit. 
5. Monthly Statements. We will send to you a monthly statement 
(“Monthly Statement”) that will show you all Advances, Finance 
Charges, payments, credits and other transactions on your Account during 
your most recent “Billing Period.” A Billing Period covers the 
approximate thirty (30) day period that ends on the “Statement Closing 
Date” reflected on each Monthly Statement, such Billing Period having 
begun on the day following the Statement Closing Date stated on the 
Previous 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. 
Each Monthly Statement also will show a “Minimum Payment” 
that will be the total of (i) the minimum portion of the New Balance 
required to be paid under the Section of this Agreement below titled 
“Monthly Payment,” and (ii) any prior Minimum Payment remaining 
unpaid. 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, the 
Minimum Payment shown. The Payment Due Date always will be 
between 23 and 26 days after the Statement Closing Date of the Billing 
Period reflected on the Monthly Statement. 
Payments we receive by 10 a.m. on any banking day at the payment 
address shown on your Monthly Statement will be credited to 
your Account as of that day. Payments we receive at any other address 
may be subject to a delay in crediting of up to five (5) days after the date 
of receipt. 
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, 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 “Previous 
Billing Period” refers to the Billing Period covered by the Previous 
Monthly Statement. 
6. Posting of Advances. Each Advance for the purchase of goods 
and services (a “Purchase”) (other than for the purchase of credit insurance) 
will be posted to your Account as of the date the Purchase was 
made. If, however, an Advance is made too late in a Billing Period to 
be posted on the Monthly Statement applicable to that Billing Period, 
such Advance will be posted as of the first day of the next Billing 
Period. Each Advance for the purchase of credit insurance will be posted 
to your Account on the last day of each applicable Billing Period. 
7. Finance Charge; Periodic Rate; Annual Percentage Rate; 
Grace Period. 
(a) Finance Charge; Minimum Finance Charge. Subject to the 
exceptions and conditions stated below, you agree to pay a “Finance 
Charge” on your Account. For any Billing Period in which a Finance 
Charge is due, the Finance Charge will be the greater of the periodic 
rate Finance Charge on your Account balance (see subsection (b) 
below), or the minimum Finance Charge set forth in the Table of 
Current Fees, below. The total Finance Charge, if any, charged to your 
Account each Billing Period will be shown in the “Account Summary” 
section on the front of the first page of each Monthly Statement. 
(b) Periodic Rate Finance Charge. Subject to the provisions of 
Subsection (d) below, the periodic rate finance charge will be calculated 
by multiplying the applicable periodic rate (described in Subsection 
(c) below) times the “Average Daily Balance” of your Account for the 
Current Billing Period and, if applicable, times the Average Daily 
Balance of your Account for the Previous Billing Period. The Periodic 
Rate Finance Charge Information box on the front of the last page of 
your Monthly Statement will show your Average Daily Balance for the 
Current Billing Period. This information appears on the first line in the 
row titled “Purchases/Debits (Current Billing Period),” and, if applicable, 
will show your Average Daily Balance for the Previous Billing 
Period on the first line in the row titled “Purchases/Debits (Previous 
Billing Period).” 
To calculate the Average Daily Balance for the Current Billing 
Period, we add together the “Daily Balance” for each day in the Current 
Billing Period and divide that sum by the number of days in the Current 
Billing Period. 
We calculate the “Daily Balance” for each day in the Current 
Billing Period as follows: 

(1) If the New Balance shown on your Previous Monthly 
Statement was zero or was paid in full within 25 days of the Statement 
Closing Date shown thereon, then the Daily Balance for each day in the 
Current Billing Period will be zero, and the Average Daily Balance will 
not be computed during the Current Billing Period. 
(2) If, however, the New Balance shown on your Previous 
Monthly Statement was not paid in full within 25 days of the Statement 
Closing Date shown thereon, then the Daily Balance for each day in the 
Current Billing Period is calculated by taking the amount of all posted 
unpaid Advances and return payment charges and documentation 
charges on your Account as of the beginning of that day, adding any 
new Advances and return payment charges and documentation charges 
posted to your Account as of that day, and subtracting any portion of 
any payments or credits posted to your Account as of that day that were 
applied against your posted unpaid Advances and return payment 
charges and documentation charges. 
The Average Daily Balance for the Previous Billing Period is calculated 
by adding together the Daily Balance for each day in the 
Previous Billing Period, and dividing that sum by the number of days 
in the Previous Billing Period. The Daily Balance for each day in the 
Previous Billing Period is calculated by taking the amount of all 
Advances and return payment charges and documentation charges first 
posted to your Account during the Previous Billing Period that remain 
unpaid as of the beginning of that day, adding any new Advances and 
return payment charges and documentation charges posted to your 
Account as of that day, and subtracting any portion of any payments or 
credits posted to your Account as of that day that were applied against 
your unpaid Advances and return payment charges and documentation 
charges. 
(c) Periodic Rate and Annual Percentage Rate for Purchases. 
(i) The monthly periodic rate (and the corresponding Annual 
Percentage Rate) used to calculate the periodic rate finance charge on 
the Average Daily Balance in your Account will vary, depending on 
your payment history. The initial monthly periodic rate and the corresponding 
Annual Percentage Rate are set forth on the Card Carrier to 
which your new Card is attached. They are identified as the "Regular 
Monthly Periodic Rate" (or "Regular MPR") and the "Regular Annual 
Percentage Rate" (or "Regular APR"), respectively, on the Card Carrier. 
The Regular Monthly Periodic Rate (and the corresponding Regular 
Annual Percentage Rate) may increase if your payment history causes 
you to no longer qualify for that rate (see subsection (ii) below). The 
periodic rate will never exceed the maximum rate permitted by applicable 
law. Any increase in the periodic rate may result in an increase in 
the amount of any periodic rate finance charge charged on your 
Account. 
(ii) The Regular Monthly Periodic Rate and the corresponding 
Regular Annual Percentage Rate are applicable until such time as you 
fail to pay the Minimum Payment reflected on a Monthly Statement by 
the end of the Billing Period following the Billing Period covered by 
the applicable Monthly Statement (the "Next Billing Period"). If such 
a payment failure occurs, the Penalty Monthly Periodic Rate and the 
corresponding Penalty Annual Percentage Rate (see subsection (iii) 
below) apply. 
(iii) The Penalty Annual Percentage Rate is four (4) percentage 
points higher than the applicable Regular Annual Percentage Rate. The 
Penalty Monthly Periodic Rate and the corresponding Penalty Annual 

Percentage Rate that are applicable to your Account, if a payment failure 
described in subsection (ii) above occurs, are set forth on the Card 
Carrier to which your new Card is attached. The Penalty Monthly 
Periodic Rate and the corresponding Penalty Annual Percentage Rate 
will apply as of the beginning of the Next Billing Period, and will 
remain applicable until you have, for six (6) consecutive Billing 
Periods, paid the full Minimum Payment as shown on your Monthly 
Statements on or before the end of the respective Next Billing Period. 
At that time, the Regular Monthly Periodic Rate and the corresponding 
Regular Annual Percentage Rate will be applicable for the Next Billing 
Period and for all Billing Periods thereafter, unless you again fail to 
make a payment on time as described above. 
(iv) The actual Annual Percentage Rate, taking into account all 
components of the Finance Charge (as described in subsection (a) 
above), if any, that was assessed on your Account during the Current 
Billing Period, is set forth after the line for "Annual Percentage Rate for 
Purchases" below the Periodic Rate Finance Charge Information box on 
the front of the last page of the Monthly Statement. 
(d) Grace Period. (i) Advances and return payment charges and 
documentation charges first posted to your Account during the Current 
Billing Period incur a periodic rate finance charge from the date as of 
which they are posted to your Account until they are paid in full, unless 
(1) the New Balance shown on your Previous Monthly Statement was 
zero or was paid in full within 25 days of the Statement Closing date 
shown thereon, and (2) the New Balance shown on your Current 
Monthly Statement is paid in full within 25 days of the Statement 
Closing Date shown thereon. If the conditions described in (1) and (2) 
above are both satisfied, you will avoid periodic rate finance charges on 
all Advances, return payment charges and documentation charges first 
posted during the Current Billing Period. If the condition described in 
(1) above (relating to the payment of your prior balance) is satisfied, but 
the condition described in (2) above (relating to the payment of your 
current balance) is not satisfied, then, at the beginning of the immediately 
following Billing Period, a periodic rate finance charge will be 
assessed on all Advances first posted to your Account during the 
Current Billing Period; the amount of such Finance Charge will appear 
on your immediately following Monthly Statement, and will show the 
dollar amount of the Current Billing Period Average Daily Balance on 
which it was calculated (such Average Daily Balance will be identified 
on such following Monthly Statement as your “Average Daily Balance” 
for the “Previous Billing Period”). 
8. Monthly Payment. On or before the Payment Due Date shown 
on each Current Monthly Statement, you must pay at least a minimum 
portion of the New Balance shown on the statement. If you are a consumer, 
the minimum payment is 5% of your New Balance with a minimum 
of $10 or such entire New Balance if it is less than $10. If the 
application for your Account stated that the Account was to be used primarily 
for business or commercial purposes, the Monthly Statement 
may specify that the entire New Balance must be paid in full on or prior 
to the Payment Due Date. You may prepay the balance of your Account 
in part or in full at any time without a prepayment charge. 
If the check you mail us to make a payment on your Account is 
drawn on a consumer account, we may electronically collect the check. 
When we do this, we will send the information from your check, such 
as your bank’s routing number, your checking account number, your 
check number and the amount of your payment, to your bank electronically. 

Your bank will deduct the payment and show the transaction on 
your bank statement with our name as a one-time electronic debit. 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 your bank, and you will not receive it in your 
statement. We will destroy your original check and retain only an 
image. If your electronic payment is returned to us unpaid, we can 
resubmit the electronic payment as permitted by applicable payment 
system rules. 
9. Late Charge. If you fail to pay the minimum portion of your 
New Balance, as required in the Section of this Agreement above titled 
“Monthly Payment,” by the Statement Closing Date reflected on the 
next Monthly Statement (which will be approximately 30 days after the 
Statement Closing Date shown on the Current Monthly Statement), we 
may assess a late payment charge to your Account. The amount of the 
fee is set forth on the Card Carrier to which your new Card is attached. 
10. 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 an electronic debit 
sent to us as payment on your Account which is returned to us unpaid. 
The amount of the returned payment charge is set forth in the Table of 
Current Fees, below. 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. 
11. Application of Payments. Payments will be applied as we 
determine and in accordance with applicable law. We may, from time 
to time, change the method by which payments are applied. 
12. Other Charges. To the extent permitted by law, if you request 
a duplicate Monthly Statement or if you request a duplicate check or 
other document, we may impose a charge determined by us. We may 
also make a charge to your Account, not to exceed $25, each time you 
request a reconciliation to your Account. These charges will not be 
imposed if your request is in connection with a written notice of a 
billing error. 
13. Liability. 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. 
14. Cancellation. We may, at any time, without liability to you 
and without affecting your obligation to pay all amounts you owe to us, 
cancel 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. 
15. 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. Any payment amount in excess of the Minimum Payment 

will not be applied in satisfaction of future Minimum Payments. 
16. Default. To the extent permitted by applicable law, and upon 
satisfaction of any notice requirements and/or expiration of any cure 
period required by applicable law, your Account will be in default and 
we may declare it to be immediately due and payable in full without 
giving you any other prior notice, and, thereafter, we may exercise any 
right or remedy under this Agreement and applicable law (including, 
without limitation, the right to revoke your Card privileges) if: you fail 
to make any required Minimum Payment by the Payment Due Date 
shown on your Monthly Statement; your balance at any time exceeds 
your Credit Limit; you fail to comply with any term of this Agreement; 
you die or become legally incompetent; you become insolvent or bankrupt; 
you provide us with false or misleading information or invalid signatures 
at any time; you fail to make any payment or perform any promise 
in any other agreement or obligation you owe us; or any judgment, 
lien, attachment or execution is issued against you or your property. 
17. 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. 
18. Amendment. We can change the terms of this Agreement 
without notice to you, unless notice is required by law. If such notice is 
required by law, we will send you notice at your address shown on our 
records. Any amendment will become effective at the time we state in 
our notice to you or, if no notice is required, as permitted by applicable 
law. To the extent permitted by applicable law, the amended Agreement 
(including any higher Finance Charge or other charges) will apply to the 
entire unpaid balance existing on your Account before the amendment 
became effective. We may, at any time, add new credit services or 
replace your Card with another Card. 
19. 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. 
20. Refunds. No cash refunds will be made. Refunds for merchandise 
or services obtained through the use of your Card will be made 
only through credit slips from the company shown on the Card. 
21. 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. 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. Your Card is issued as part of a Co-Brand relationship 
between us and the company shown on the Card. Since the co-brand 
Card provides you services or benefits from both us and that company, 
you agree that information concerning your Card and Account may be 
shared between us and that company from time to time. 
22. Governing Law. This Agreement, your Card, your Account 
and all transactions hereunder are governed by Missouri and Federal 

law. If you are an individual or a person doing business as a sole proprietor, 
the fees and charges that apply to your Account (other than the 
amount of the Finance Charge that is calculated by applying a Monthly 
Periodic Rate to your Average Daily Balance) will be governed by 
Nebraska law, as authorized by Missouri Revised Statutes Section 
408.145. 
23. Severability. The invalidity of any provision of this Agreement 
shall not affect the validity of any other provision. 
24. 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. 
25. 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. 
TABLE OF CURRENT FEES. 
The following table sets forth the current amount of certain fees referred 
to in this Agreement. 
Returned Payment Charge $25 
Minimum Finance Charge $0.50 
IMPORTANT INFORMATION ABOUT YOUR BILLING 
RIGHTS 
PERTAINING TO YOUR ACCOUNT 
Your Billing Rights - Keep This Notice for Future Use 
This notice contains important information about your rights and 
our responsibilities under the Fair Credit Billing Act. 
Notify Us in Case of Errors or Questions About Your Bill 
If you think your bill is wrong or if you need more information 
about a transaction on your bill, write to us on a separate sheet at the 
address listed on your bill. Write to us as soon as possible. We must hear 
from you no later than 60 days after we sent you the first bill on which 
the error or problem appeared. You can telephone us, but doing so will 
not preserve your rights. 
In your letter, give the following information: 
• Your name and account number. 
• The dollar amount of the suspected error. 
• Describe the error and explain, if you can, why you believe there 
is an error. 
If you need more information, describe the item you are not sure 
about. 
If you have authorized us to pay your credit card bill automatically from 
your savings or checking account, you can stop the payment on any 
amount you think is wrong. To stop the payment, your letter must reach 
us three (3) business days before the automatic payment is scheduled to 
occur. 
Your Rights and Our Responsibilities AfterWe Receive YourWritten Notice 
We must acknowledge your letter within 30 days, unless we have 
corrected the error by then. Within 90 days, we must either correct the 
error or explain why we believe the bill was correct. 

After we receive your letter, we cannot try to collect any amount 
you question or report you as delinquent. We can continue to bill you the 
amount you question, including finance charges, and we can apply any 
unpaid amount against your credit limit. You do not have to pay any 
questioned amount while we are investigating, but you are still obligat- 
ed to pay the parts of your bill that are not in question. 
If we find that we made a mistake on your bill, you will not have 
to pay any finance charges related to any questioned amount. If we did 
not make a mistake, you may have to pay finance charges, and you will 
have to make up any missed payments on the questioned amount. In 
either case, we will send you a statement of the amount you owe and 
the date that it is due. 
If you fail to pay the amount that we think you owe, we may 
report you as delinquent. However, if our explanation does not satisfy 
you and you write to us within ten (10) days telling us that you still 
refuse to pay, we must tell anyone we report you to that you have a 
question about your bill. And, we must tell you the name of anyone we 
reported you to. We must tell anyone we report you to that the matter 
has been settled between us when it finally is. 
If we do not follow these rules, we can not collect the first $50 of 
the questioned amount, even if your bill was correct. 
Special Rule for Credit Card Purchases 
If you have a problem with the quality of property or services that 
you purchased with a 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 property or services. There are 
two limitations on this right: (a) you must have made the purchase in 
your home state or, if not within your home state, within 100 miles of 
your current mailing address; and (b) the purchase price must have been 
more than $50. These limitations do not apply if we own or operate the 
merchant or if we mailed you the advertisement for the property or 
services. 
SEND INQUIRIES AND BILLING ERROR NOTICES TO 
Card Service Center, P.O. Box 419734, Kansas City, MO 64141-6734, 
or call (800) 553-7818. Telephoning us will not preserve your Billing 
Error Rights. 
IMPORTANT INFORMATION 
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 Service Center, P.O. Box 
419734, Kansas City, Missouri 64141-6734. 
Payments 
In order to be credited to your account on the date received, your 
payment must be accompanied by the top portion of your statement and 
must be received at P.O. Box 219736, Kansas City, MO 64121-9736 by 
10 a.m. Payments received at such location after 10 a.m. will be credited 
on the following business day, and payments received at any other 
address will be credited promptly but may be delayed up to five (5) 
days.