Important Cost Information about our Credit Card 

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 December 1, 2019. 

Interest Rates and Charges 

Annual Percentage Rate (APR) for 
Purchases 

15.74% to 25.74% based on your creditworthiness. This APR will vary with 
the market based on the Prime Rate. This APR will not exceed 32.00%.  

APR for Cash Advances 

27.74%. This APR will vary with the market based on the Prime Rate. The APR will 
not exceed 32.00%. 

APR for Balance Transfers 

Paying Interest 

Minimum Interest Charge 
For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 
Fees 

0% Introductory APR for the first 12 billing cycles for balances transferred within 60 
days from account opening. After the first 12 billing cycles, and for Balance Transfers 
made more than 60 days from account opening, 15.74% to 25.74% (based on your 
credit worthiness) if your Balance Transfer is treated as a Purchase, or 27.74% if your 
Balance Transfer is treated as a Cash Advance. These APRs will vary with the 
market based on the Prime Rate. 

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. 
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. 

Annual Fee 

Transaction Fees 

None 

•  Balance Transfer 

•  Cash Advance 

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. 

•  Foreign Transaction 

Two percent (2%) of the U. S. dollar amount of each Cash Advance or Purchase. 

Penalty Fees 

•  Late Payment 

•  Returned Payment 

Up to $38 

Up to $38 

•  Over the Credit Limit 

None 

How We Will Calculate Your Balance: We use a method called the “average daily balance (including new purchases).”  
How We Determine APRs: The Purchase and Cash Advance APRs are 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 
32.00%. 
Margin: We will add 10.99% to 20.99% to the Prime Rate to determine the APR for Purchases. We will add 22.99% to the Prime Rate to determine the APR for Cash Advances. 
Cardholder Agreement: For additional information about the costs and terms of the Account, see your Cardholder Agreement, which will be 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. 
Notice to Young Applicants: If you are under 21 years of age, Federal law prohibits us from approving your application for a credit card unless you demonstrate that you have the independent 
ability to make the required payments on your account, or unless you provide a guarantor or cosigner. The guarantor or cosigner must be acceptable to us and must sign our form of guaranty 
agreement. 
Important Information About Procedures For Opening A New Account: Our bank complies with Section 326 of the USA PATRIOT Act. This law mandates that we collect and verify certain 
information about you while processing your Account application. Please talk with a Bank representative if you have questions. 
State Disclosures: (1) MARRIED WISCONSIN RESIDENTS: You agree that (a) no provision of any marital property agreement, unilateral statement under the Wisconsin Marital Property Law or 
court decree will adversely affect our interests unless, prior to the time credit is granted, we are given a copy of the agreement, statement, or decree or we have actual knowledge of the adverse 
provision. (2) CALIFORNIA RESIDENTS: An applicant, if married, may apply for a separate account. Applicants: (1) may, after credit approval, use the credit card account up to its credit limit; (2) 
may be liable for amounts extended under the plan to any joint applicant. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to 
a credit reporting agency if you fail to fulfill the terms of your credit obligations. (3) OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to 
all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this 
law. (4) NEW YORK RESIDENTS: New York residents may contact the New York State Department of Financial Services by telephone or visit its website for free information on comparative credit 
card rates, fees and grace periods. NY State Dept of Financial Services: 1-800-342-3736 or visiting https://www.dfs.ny.gov/consumers/banking_money/credit_card_terms_and_fees (5) NEW YORK 
AND VERMONT RESIDENTS: We may obtain your credit reports, for any legitimate purpose associated with the account or the application or request for an account, including but not limited to 
reviewing, modifying, renewing and collecting on your account. On your request, you will be informed if such a report was ordered. If so, you will be given the name and address of the consumer 
reporting agency furnishing the report. (6) DELAWARE AND OREGON RESIDENTS: Service charges not in excess of those permitted by law will be charged on the outstanding balances from 
month to month. You may pay more than the minimum payment due, up to your entire outstanding balance, at any time. 
Important: Information about the costs of credit cards as shown in the Important Cost Information chart is accurate as of December 1, 2019, the date this document was printed. 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.