ePlate™ Cardholder Agreement 

1. Cardholder Agreement; Definitions. The terms and conditions in this 
ePlate™ Cardholder Agreement (the “Agreement”) govern your Card and 
all credit extended to you by the Bank under this Agreement. The 
“Agreement” means this ePlate™ Cardholder Agreement, the disclosures 
(“Account Opening Disclosures”) included on the Card carrier to which 
your new Card is attached, and any supplemental disclosures that the 
Bank may send you regarding special credit 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.  The disclaimer of warranties 
provided in Section 40 below is a part of this Agreement.  This 
Agreement and the Billing Rights Notice at the end of this document are 
solely between you and the Bank, and Dynamics is not a party to this 
Agreement and has no obligations under the Billing Rights Notice. 

In this Agreement, “UMB”, “the Bank”, “we”, “us”, and “our” refer to UMB 
Bank, n.a., a national banking association whose headquarters is located 
in Kansas City, Missouri. “You” and “your” refer, jointly and severally, to 
each individual who applies for or accepts an e-Plate™ credit card issued 
in connection with an Account we own. “Account” means your Visa credit 
card account with the Bank. “Card” or “Cards” refer to the ePlate™ cards 
designed and manufactured by Dynamics, together with the checks and 
Account number issued by UMB Bank in connection with your Account. 
“Dynamics” means Dynamics Inc., a Delaware corporation, which is 
working with UMB to make the Card available to you.  “Advance” means 
any credit we extend to you through your Account. The term “Customer 
Information” is defined in Section 3 below.  “Credit Limit” and “Unused 
Credit Limit” are defined in Section 5 below. “Purchase Advance” and 
“Cash Advance” are defined in Section 6. “Balance Transfer” is defined in 
Section 7. “Overdraft Advance” is defined in Section 8. “Finance Charge” is 
defined in Section 14. 

2. General Description of ePlate™ Payment Device, Card and Program.  
“ePlate”™ refers to a unique credit card and payment device that has been 
developed by Dynamics.  Credit that may be obtained through use of the 
Card is provided solely by the Bank (and not by Dynamics).  When your 
credit application for a Card has been approved by the Bank, you will have 
a credit account in your name at the Bank that is accessed by the Card.  
Dynamics works with various third parties (“Developers”) to build features 
(“Applications”) that provide unique cardholder experiences, benefits and 

DB04/0804020.0043/6820631.3  MD02	  

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value (“Rewards”), and provides an attractive interface (the “Experience 
Manager™”) to help you manage your Rewards.  Dynamics, and not the 
Bank, is responsible for operation of the Applications, the Experience 
Manager™ and the Rewards.  The Card (including the credit features 
provided by UMB) when coupled with the additional features provided by 
Dynamics (including the Applications, the Rewards, and Experience 
Manager™) is collectively referred to as the “Program.” This Agreement is 
between you and the Bank, and is separate from any other agreements 
you have with or consents that you may provide to Dynamics regarding the 
Program. 

3.  Consent and Direction to Share Customer Information.  Our Privacy 
Statement for the Program, which applies only to the Program (and not to 
any other accounts you have with or any other products or services you 
obtain from us), is provided to you with this Cardholder Agreement.  You 
have the right under that Privacy Statement to limit our sharing of your 
personal information with third parties under certain circumstances.  
However, in order for you to use the Applications, earn Rewards, enroll 
and track those Rewards through the Experience Manager™ and 
otherwise participate in the Program, UMB must share information about 
your identity and your card transactions (collectively, your “Customer 
Information”) with Dynamics.  As a result, you expressly consent and 
direct UMB to share your Customer Information with Dynamics.  You 
may revoke this consent and direction at any time by following the 
instructions to limit our sharing set forth in our Privacy Statement for the 
Program.  If you do so, however, you will be unable to earn additional 
Rewards and we may replace your ePlate™ card with another card that is 
not associated with the Program and does not provide the same features 
and benefits.  This consent and direction is separate from any consent and 
direction you may have provided to Dynamics regarding its sharing of your 
personal information with third parties, including the sharing by Dynamics 
of your Customer Information with Developers. 

4.  Use of Your Card; Annual Fee; Expedited Delivery Fee. You should 
sign your Card before you use it. The Card is Dynamics’ property, and you 
must give it back to Dynamics upon 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 

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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. 

We also reserve the right to impose an fee for expediting the delivery of 
your Card and any replacement Card.  The amount of the expedited 
delivery fee, if any, is shown in the Account Opening Disclosures. 

5. 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. 

6. Purchase Advances and Cash Advances. Subject to the other terms of 
this Agreement, we agree to make Advances which, at the time the 

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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 
4), return payment charges (see Section 23 below) and documentation 
charges (see Section 26) (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”). 

7. 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 11 below, and Balance Transfers that are treated as 
Purchase Advances will incur periodic rate interest charges as set forth in 
Section 17 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 
11 below, and Balance Transfers that are treated as Cash Advances will 

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incur periodic rate interest charges as set forth in Section 17 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 
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. 

8. 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 
11 below, and the periodic rate interest charge on the Overdraft Advance 
will be charged as set forth in Section 17 below. 

9. 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 

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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. 

10. 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 20 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. 

11. 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 7 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 7 above), the Balance Transfer will be posted to your 
Account with us within one (1) business day of our processing your 

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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. 

12. 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 16(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 17 below). 

13. 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 

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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 17(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 20 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 17(a) of this 
Agreement) 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 7 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 at the standard Annual Percentage Rate that applies to the type 
of Advance (see Section 17(a) of this Agreement). 

(d) The “Transaction Information” section on the front of your Monthly 

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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. 

14. 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 15 below), certain transaction-based fees 
(see Section 16 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. 

15. 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 17) 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 

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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. 

16. 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 7 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 7 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. 

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(d) International Transaction Assessment Fee. The International 
Transaction Assessment Fee is also a transaction-based Finance Charge 
assessed to your Account (see Section 12(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. 

17. 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. 

(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 18(a)), 
adding the applicable “Standard Margin” (see Section 18(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 18(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 
18(a)). 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 

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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 18 below, except that the 
“Standard Margin” may be different, depending on what is stated in the 
printed material you received.  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. 

18. 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.  

19. 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, 

12	  

	  
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. 

20. 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 13 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 

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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. 

21. Late Charge. If you fail to pay the minimum portion of your New 
Balance, as required in Section 20 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 

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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. 

22. 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 17), 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. 

23. 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. 

24. 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 

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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. 

25. Participation in Rewards Program. Your participation in the Rewards 
Program is subject to the Rewards Program rules which Dynamics will  
send to you when you enroll in the Experience Manager™.  Your Rewards 
balance will be accessible through the Experience Manager™. 

26. 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. 

27. 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. 

28. Card Renewal; Account Termination. You request us and Dynamics to 
issue a renewal Card on or before the expiration date if your Account is 
open and in good standing at the time and the Bank’s Program agreement 
with Dynamics continues to be in effect. 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 Dynamics 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.  We 
may convert your Account to a different kind of Account that will not 

16	  

	  
include the Applications, Rewards, or your access to the Experience 
Manager™ if our Program agreement with Dynamics is terminated.  We 
will provide you with advance notice of any such change as is required by 
law. 

29. 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. 

30. 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. 

31. 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. 

32. 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, and only with respect to certain credit 
features of your Account, you may have a right to “opt-out” of a proposed 

17	  

	  
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. 

33. 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. 

34. 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 Statement. 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.  

35. 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. 

36. Severability. The invalidity of any provision of this Agreement shall not 
affect the validity of any other provision. 

37. 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 

18	  

	  
in our efforts to recover any stolen Card and amounts due from 
unauthorized users and in prosecuting unauthorized users. 

38. 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. 

39. 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. 

40.  NO WARRANTIES AS TO ePLATE™ CARD OR PROGRAM. 

You agree that the Card and the Program are provided to you “as is” 
and without representation or warranty of any kind.  The Bank 
expressly disclaims any warranty of merchantability with respect to 
the Card and the Program (including the Experience Manager™, the 
Applications or the Rewards), and there is no warranty that the Card 
is fit for your intended purposes, or that the operation of the Card, the 
Applications or the related Rewards platform or any technology 
connected with the Program will be uninterrupted, timely or error 
free.  You understand that the Bank considers this paragraph 
essential to its willingness to participate in the Program and provide 

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an Account that is accessed by the Card to you, and you expressly 
consent to the provisions of this paragraph. 

BILLING RIGHTS NOTICE. 

YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FURTHER USE 

This Billing Rights Notice (the “Notice”) tells you about your rights and our 
responsibilities under the Fair Credit Billing Act.  As used in this Notice, 
“we” and “us” refer solely to UMB Bank and not to Dynamics. 

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 

20	  

	  
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, 

21	  

	  
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. 

Rev 12/7/2012 

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