Rates and Fees Table for UMB Bank, n.a.  Private Label Accounts

PLEASE NOTE that this information is provided for general information purposes only and is not specific to your Account.  
See the Cardholder Agreement and Important Cost Information disclosure that was provided for your Account for more 
detailed information.  This information is accurate as of September 30, 2013.

  Interest Rates and Charges

  Annual Percentage Rate (APR)
  for Purchases

18.00% or 19.08%, depending on your Private Label card type.

  How to Avoid Paying Interest  

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.  

  Minimum Interest Charge

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

  For Credit Card Tips from the     
  Consumer Financial Protection 
  Bureau

  Fees

  Annual Fee

Transaction Fees 

To learn more about factors to consider when applying for or using a credit card, visit the website 
of the Consumer Financial Protection Bureau at http://consumerfinance.gov/learnmore

None

•	 Foreign Transaction

Two percent (2%) of the U. S. dollar amount of each Purchase.

Penalty Fees

•	 Late Payment

•	 Returned Payment

•	 Over the Credit Limit

Up to $35 

Up to $35

None

How We Will Calculate Your Balance:  We use a method called the “average daily balance (including new purchases)”.  
Cardholder Agreement: For additional information about the costs and terms of the Account, see your Cardholder Agreement, which is sent with 
the Card.  The Cardholder Agreement and the Account will be governed by Missouri and applicable federal law, but we will rely on the provisions of 
Nebraska law with respect to the fees and charges (other than interest) that apply to your Account, as authorized by Missouri Revised Statutes Section 
408.145. The Cardholder Agreement permits us to change the terms of this Account, including the rates, fees and other credit terms, upon notice to 
cardholder and subject to the provisions of applicable law.

Important:  Information  about  the  costs  of  credit  cards  is  accurate  as  of  September  30,  2013,  the  date  this  document  was  created.  This 
information may have changed after that date.  To find out what may have changed, call us at 855.368.0410 or write to us at UMB Bank, n.a., 
P.O. Box 419734, Kansas City, Missouri  64141-6734.

 
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 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  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 on the application.  “Account” means 
your account with us.  “Card” or “Cards” refer to the card(s) containing the name, logo or other 
identifying marks of a merchant or other company with whom we have entered into an agreement 
to sponsor the Card program, and the Account number issued in connection with your Account.  
“Advance” means any credit we extend to you through your Account, as more fully described in 
Section  4  below.    The  terms  “Credit  Limit”  and  “Unused  Credit  Limit”  are  defined  in  Section  3 
below.   

2. Use of Your Card.  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.       

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.  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  and  the  total  amount  of  your 
Unused Credit Limit will be shown on your Monthly Statement.  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.  We reserve the right at any time to increase or decrease your Credit 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,  or  (b)  would  cause  the  balance  of  your 
Account  to  exceed  your  Credit  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. 

4. Advances; Promise to Pay.  Subject to the other terms of this Agreement, we agree to make 
Advances made through the use of your Card or your Account which, at the time the Advance is 
to be made, are not in excess of your Unused Credit Limit to pay for the purchase of goods and 
services  from  any  merchant  whose  name  appears  on  the  Card  issued  in  connection  with  the 
Account, and for the purchase of credit insurance on your Account when you authorize it, and to 

1 

 
 
 
pay  the  return  payment  charges  (see  Section  14  below)  and  documentation  and  other  charges 
(see Section 16) you incur under this Agreement. . 

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. 

5. 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  11  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. 

6. Posting of Advances. Each Advance for the purchase of goods or services (other than for the 
purchase  of  credit  insurance)  will  be  posted  to  your  Account  as  of  the  date  the  Purchase  was 
made.   Each advance for the purchase of credit insurance will be posted to your Account on the 
last day of the applicable Billing Period. Advances for return payment charges are posted to your 
Account as of the date the payment is returned.  Advances for documentation and other charges 
(see Section 16) are made as of the date of the transaction.  If, however, an  Advance is made 
too late in a Billing Period to be posted on the Monthly Statement applicable to that Billing Period, 
the  Advance will be posted as of the first day of the next Billing Period. 

7.  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  8  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. 

8.  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 
9) times the “Average Daily Balance” of your Account for the Current Billing Period. 

If you pay in full the entire New Balance 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 Average Daily Balance of your Account during the Current Billing Period.  If full payment 
was not received by the Payment Due Date, then we assess a periodic rate interest charge on 
the Average Daily Balance for the Current Billing Period.  To figure the Average Daily Balance, 
we take the beginning balance of your Account each day in the Current Billing Period , add any 

2 

 
 
new Advances (including return payment charges, documentation charges and other charges, as 
applicable),  and subtract any payments received or credits posted to your Account that day.  This 
gives us your daily balance.  Then we add up all the daily balances for the Current Billing Period 
and  divide  the  total  by  the  number  of  days  in  the  Billing  Period.    This  is  the  “Average  Daily 
Balance”. 

9. 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  Average  Daily  Balance  of  your  Account.  The  monthly  periodic  interest  rate  and  the 
corresponding Annual Percentage Rate will vary, depending on your payment history.  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  Calculation”  section.    The  standard  Annual  Percentage Rate 
will apply to your Account unless the Penalty Annual Percentage Rate applies (see Section 9(b)). 

(a)  Standard  Annual  Percentage  Rate.    The  standard  Annual  Percentage  Rate  that  applies  to 
your Account is printed in the Account Opening Disclosures in the “Interest Rates and Charges” 
table  under  “Annual  Percentage  Rate  (APR)  for  Purchases”.    The  Annual  Percentage  Rate  for 
that applies to your Account may increase if your payment history causes you to no longer qualify 
for the standard Annual Percentage Rate (see Section 9(b)).  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)  Penalty  Annual  Percentage  Rate.    The  Penalty  Annual  Percentage  Rate    is  four  (4) 
percentage  points  higher  than  the  standard  Annual  Percentage  Rate,  and  is  printed  on  the 
Account Opening Disclosures in the “Interest Rates and Charges” table under “Penalty APR and 
When it Applies”.   You will trigger the Penalty Annual Percentage Rate 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 Annual Percentage Rate is triggered, we will provide 
you with at least 45 days advance written notice and you may have a right to reject the Penalty 
Annual Percentage Rate 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 Annual Percentage Rate to your Account by 
paying  at  least  the  Minimum  Payment  by  the  Statement  Closing  Date  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  Next 
Monthly  Statement  is  called  the  “Cure  Period”).    Once  the  Penalty  Annual  Percentage  Rate  is 
applied to your Account, you will be charged that 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  or  within  the  Cure  Period.    Once  the  Penalty  Annual 
Percentage  Rate  no  longer  applies,  the  standard  periodic  interest  rate  and  standard  Annual 
Percentage Rate will apply to your Account, beginning with the next Billing 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 (b). 

10. Grace Period.  We do not charge periodic rate interest charges on the Average Daily Balance 
of your Account 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 Account 
balance that was paid that month, but will charge periodic interest charges on the amount of your 
Account balance that remains unpaid beginning on the first day of your Next Monthly Statement. 

11. 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 

3 

 
 
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  plus total billed periodic interest charges 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.  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.  

12.  Late  Charge.    If  you  fail  to  pay  the  minimum  portion  of  your  New  Balance,  as  required  in 
Section 11 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. 

13.  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,  generally  from  highest  to  lowest,  beginning  with  the 
balance  that  is  subject  to  the  highest  periodic  rate  interest  charge.    Otherwise,  we  will  apply 

4 

 
 
 
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. 

14.  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.  

15. 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.   

 16.    Other  Charges.    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.  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, or when you ask for another copy of 
your Cardholder Agreement or Account Opening Disclosures.  

17. 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.  

18. 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. 

19.  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.  

20. 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 

5 

 
 
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.  

21. 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.  

22. 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.  Our right to amend this Agreement includes our right to 
notify you that new transactions you enter into as of an effective date to be provided in our notice 
to  you,  a  different  monthly  periodic  interest  rate,  a  different  Annual  Percentage  Rate  and  a 
different  Penalty  Annual  Percentage  Rate  (when  applicable)  will  apply  to  your  Account.    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.  

23. 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. 

24.    No  Cash  Refunds.    No  cash  refunds  will  be  made.    Refunds  for  merchandise  or  services 
purchased obtained through the use of your Card will be made only through credit slips from the 
company shown on your Card.  

25.  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.  Your Card is issued as part of a Co-
Brand relationship between us 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  us  and  that  company 
from time to time.  

26. 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  periodic  interest  rate  to  your  Average  Daily 
Balance) will be governed by Nebraska law, as authorized by Missouri Revised Statutes Section 
408.145.  

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

28. 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.  

29.  Unauthorized  Use  of  Your  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. 

30. 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. 

When you contact 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. 

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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 will.  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. 

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. 

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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.  

Rev. 8/10  
Private Label Gas  
M-102009 

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