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

APR for Cash Advances 

APR for Balance 
Transfers 

Penalty APR and  
When it Applies 

Paying Interest 

Minimum Interest 
Charge 
Fees 
Annual Fee 
Transaction Fees 

From 9.90% to 15.99%.  
This APR will vary with the market based on the  
Prime Rate. 
From 13.90% to 19.99%.  This APR will vary with  
the market based on the Prime Rate. 
From 9.90% to 15.99% if your Balance Transfer is  
treated as a Purchase, or from 13.90% to 19.99%  
if your Balance Transfer is treated as a Cash Advance. 
These APRs will vary with the market based on the 
.Prime Rate. 
21.75%.  This APR may be applied to your account if  
you make a late payment.   

How long will the Penalty APR apply?  If your APRs 
 are increased for the above reason, the Penalty APR  
will apply until you make six (6) consecutive payments  
of at least the minimum payment due. 
Your due date is at least 20 days after the close of  
each billing cycle.  We will not charge you interest on 
Purchases if you pay your entire balance by the due  
date each month.  Generally, we will begin charging 
interest on Cash Advances and Balance Transfers  
on the transaction date. 
If you are charged interest, the charge will be no less  
than $0.50. 

None. 

  Balance Transfer 

  Cash Advance 

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 

  Overdraft Advance 

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

Three percent (3%) of the amount of the Overdraft 
Advance, with a $10 minimum and a $25 maximum. 

Penalty Fees 

  Late Payment 

$15 if New Balance is less than $100, $29 if New  
Balance is from $100 to $999.99, $39 if New Balance  
is $1,000 or more. 

  Returned Payment 

  Over the Credit 

Limit 

$29 

None 

The APRs shown above represent our standard pricing for a range of cards and programs.  
In addition, special promotional APRs may be available, which apply for differing  
promotional periods such as 6 months or 1 year. Supplemental disclosures showing  
promotional APRs, the length of the  promotional period, and the APRs that will  
apply  at the end of the promotional period would be provided to you if you are  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
approved for any special pricing on promotional offers. 

How we determine APRs: The Purchase and Cash Advance APRs are variable  
and may increase. An increase in the APR may increase your minimum monthly  
payment. The APR is determined by adding a Margin to the Prime Rate. The Prime  
Rate is the highest Prime Rate published in The Wall Street Journal Money Rates  
table on the fifteenth (15th) day of each month, or the next business day, if the 15th  
falls on a weekend or holiday, provided, however, that the Prime Rate shall never  
be less than 6.00%. The APR for Purchases and Cash Advances will not exceed  
25.00%, but if the Penalty APR applies, it will not exceed 27.90%.  

Margin: We will add a margin to the Prime Rate to determine the APR for Purchases.   
This may range from 3.90% to 9.99%. To determine the APR for Cash Advances, we  
will add anywhere from 7.90% to 13.99% to the Prime Rate. We add 18.50% to the  
Prime Rate to determine the Penalty APR.  

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

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

Visa Cardholder Agreement 
1. Definitions; Your Agreement to these Terms and Conditions. In this Agreement, 
“we”, “us” and “our” refer to UMB Bank, n.a. “You” and “your” refer, jointly and severally, 
to each individual who applies for or accepts a Visa credit card issued in connection 
with an Account we own. “Account” means your Visa credit card account with us. 
Credit “Card” or “Cards” refer to the Visa credit cards and checks and the Account 
number used in connection with your Account. When you apply for a Card or when 
you accept a Card by signing, using or consenting to the use by others of your Card, 
you agree to the following terms and conditions. 
2. Use of Your Account. The terms and conditions in this Agreement govern your 
Card and all credit extended to you under this Agreement. You should sign your Card 
before you use it. The Card is our property, and you must surrender it to us upon our 
request. We may cancel your Card and related privileges at any time. You hereby 
request us to issue a renewal Card on or before the expiration date. We may deny 
Card transactions if we have reasonable grounds to believe that the transaction may 
be fraudulent or unauthorized, or if the transaction originates from a country in which 
we have recently experienced significant fraudulent Card activity. We have no 
responsibility for any failure to honor your Card or for any retention of your Card by 
any machine, merchant, financial institution or any other person. You agree to use 
the Card only for legitimate purposes and not for any illegal transaction. 
3. Credit Limit. We have established for your Account the initial “Credit Limit” that is 
indicated on the Card carrier to which your new Card is attached. We reserve the 
right at any time to increase or decrease your Credit Limit. You agree not to use or 
permit use of your Card for any Purchase Advance or Cash Advance (as those terms 
are defined in Section 4 below) (each, an “Advance”) that (a) is in excess of your 
Unused Credit Limit (as defined below) at the time such Purchase Advance or Cash 
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. At any given time, your “Unused Credit Limit” will be equal to your 
Credit Limit minus the unpaid balance of your Account and minus all Advances made 
on, but not yet posted to, your Account. We 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. 
4. Purchase Advances and Cash Advances. Any credit we extend to you is referred 
to herein as an “Advance.” Subject to the other terms of this Agreement, we agree to 
make Advances which, at the time such Advance is to be made, are not in excess of 
your Unused Credit Limit, to pay for: (a) the purchase of goods and services from any 
authorized Visa merchant and the purchase of authorized credit insurance or debt 
protection coverage on your Account (“Purchase Advances”), and (b) any cash 
advances made to you or on your behalf through use of your Card, by financial institutions, 
automated teller machines or 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 (“Cash Advances”). 
5. Balance Transfers. You may obtain an Advance under this Agreement to transfer 
the balance of an account you have with another creditor to your Account with us (a 
“Balance Transfer”) in several different ways. Depending on the method you use to 
obtain the Balance Transfer, 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 on the Table of Current Fees below, unless our Service Center or the special 
promotional materials we provide to you in connection with the Balance Transfer indicate 
that no Balance Transfer Fee applies. The Balance Transfer will be posted to 
your Account as set forth in Section 9 below, and periodic rate finance charges on 
Balance Transfers that are treated as Purchase Advances will begin to accrue as set 
forth in Section 12 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 Table of Current Fees below. 
The Balance Transfer will be posted to your Account as set forth in Section 9 below, 
and the periodic rate finance charge on Balance Transfers that are treated as Cash 
Advances will begin to accrue as set forth in Section 12 below. 
(c) Regardless of the method you use to obtain a Balance Transfer, you may not 
obtain 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. 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 are responsible for supplying 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 a payment on a 

Balance Transfer you have requested, your stop payment 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 with your Monthly Statement. 
6. Overdraft Advances. (a) You or any person who is 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 credit card 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 Table 
of Current Fees below, instead of charging the Cash Advance Fee. Each Overdraft 
Advance will be made in $100 increments. The Overdraft Advance will be posted to 
your Account as set forth in Section 9 below, and the periodic rate finance charge on 
Overdraft Advance will begin to accrue as set forth in Section 12 below. 
7. Promise to Pay. You agree to repay all Advances and all credit extended by us on 
your Account, whether through the use of your Card or Account by you or by anyone 
authorized by you or for which you are otherwise legally responsible. You agree to 
repay, in accordance with the terms of this Agreement, all Advances, Finance 
Charges and other charges as provided in this Agreement. 
8. Monthly Statements. We will send to 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 approximate thirty (30) day period that ends on the “Statement 
Closing Date” reflected on each Monthly Statement, such Billing Period having begun 
on the day following the Statement Closing Date stated on the Previous Monthly 
Statement. Each Monthly Statement will show the total amount (“New Balance”) you 
owe us at the end of the Billing Period as a result of Advances, Finance Charges, 
other charges and payments and credits on your Account. Each Monthly Statement 
also will show a “Minimum Payment” that is calculated in accordance with Section 13 
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, the Minimum Payment shown. The 
Payment Due Date will be no less than 20 days after the Statement Closing Date of 
the Billing Period reflected on the Monthly Statement. 
Payments we receive by 10 a.m. on any banking day at the payment address shown 
on your Monthly Statement will be credited to your Account as of that day. Payments 
we receive at any other address may be subject to a delay in crediting of up to five 
(5) days after the date of receipt. 
For purposes of this Agreement, the “Current Monthly Statement” refers, at any given 
time, to the most recent Monthly Statement we have sent to you; the “Current Billing 
Period” refers to the Billing Period covered by the Current Monthly Statement; the 
“Previous Monthly Statement” refers to the Monthly Statement immediately preceding 
the Current Monthly Statement; and the “Previous Billing Period” refers to the Billing 
Period covered by the Previous Monthly Statement. 
9. Posting of Advances. Each Cash Advance will be posted to your Account as of 
the date the cash is advanced. If, however, the Cash Advance is a Balance Transfer 
obtained through use of a “Convenience Check, a “Cashway Check” or similar instrument 
(see Section 5 above), it will be posted as of the date the check or draft is 
received by us. Each Overdraft Advance will be posted to your Account as of the day 

your overdraft occurs. Each Purchase Advance will be posted to your Account as of 
the date the Purchase was made, but if the transaction is a Balance Transfer that you 
request through our Service Center or by using a “Balance Transfer Check” or 
“Balance Transfer Request Form” that we provide (see Section 5 above), the Balance 
Transfer will be posted to your Account with us within one (1) business day of our pr 
cessing your request. If, however, a Cash Advance or Purchase Advance is made too 
late in a Billing Period to be posted on the Monthly Statement applicable to that Billing 
Period, the Cash Advance or Purchase Advance will be posted as of the first day of 
the next Billing Period. 
10. Foreign Transactions. (a) Currency Conversion. If a Cash Advance or Purchase 
Advance is made in a currency other than U. S. dollars, Visa USA will convert the 
Advance into U. S. dollars. The exchange rate used to convert the transaction currency 
into the billing currency for 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, which rate may vary from the rate Visa itself 
receives, or the government mandated rate in effect for the applicable central processing 
date. 
(b) International Transaction Assessment Fee. We will assess a fee equal to 2% of 
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. This fee is in addition to any 
applicable Cash Advance Fee (see Section 12(c) below). The International 
Transaction Assessment Fee will be included in the amount of the Purchase Advance 
or Cash Advance, as applicable. The amount of the fee will also be separately itemized 
on your Periodic Statement below the Transaction description. 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 12(d) below). 
11. Promotional Programs; Same-as-Cash 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. Promotional programs that involve Purchase 
Advances for goods or services of a stated type and amount on which periodic rate 
finance charges are deferred for a specified number of days (the “Deferral Period”), 
and that do not have to be repaid until the end of the Deferral Period, will be referred 
to as “Same-as-Cash Purchases.” The notice will refer to each such promotional program 
as “Same-as-Cash” and will describe the promotional period during which 
Same-as-Cash Purchases can be made, the dollar amount and type of purchases 
that qualify and the number of days in each Deferral Period. 
(b) Although the unpaid amount of each Same-as-Cash Purchase will be included in 
the New Balance reflected on your Monthly Statements, it will be excluded from your 
New Balance, for the duration of its Deferral Period, for purposes of calculating the 
minimum monthly payment you are required to make under Section 13 of this 
Agreement below, titled “Monthly Payment.” Each amount so excluded will be called 
a “Deferral.” At the end of the Deferral Period, if the full amount of a Same-as-Cash 
Purchase has not been paid, the periodic rate finance charges that accrued on the 
Same-as-Cash Purchase during the prior Billing Periods of its Deferral Period, and a 
periodic rate finance charge on the unpaid balance of the Same-as-Cash Purchase 
for the Current Billing Period, will be charged to your Account. A periodic rate finance 
charge on a Same-as-Cash Purchase whose Deferral Period has expired will continue 
to be charged to your Account during each following Billing Period in which any 
portion of the Same-as-Cash Purchase remains unpaid. 
(c) If additional types of special promotional programs (in addition to “Same-as-Cash” 
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 such program. Advances 

made under such promotional programs will be referred to as “Promotional items.” 
For example, when you obtain a Balance Transfer through our Service Center or by 
using a “Balance Transfer Check” or “Balance Transfer Request Form” that we provide 
(see Section 5 above), the special promotional offer may involve a fixed rate of 
interest on the Balance Transfer for a specific period of time. Periodic rate finance 
charges, if any, will be assessed on these Balance Transfers from the date your 
Balance Transfer is posted to your Account with us. After the special promotional 
period has ended, any unpaid amount from the Balance Transfer will incur the periodic 
rate finance charges applicable to Purchase Advances as determined in this 
Agreement. 
(d) The “Transaction Information” section on the front of your Monthly Statement will 
reflect the amount of each Same-as-Cash Purchase and each Promotional item posted 
to your Account, together with the date on which the Deferral Period for a Sameas- 
Cash Purchase will expire or the date the promotional period for the Promotional 
item will end. 
12. Finance Charge; Periodic Rate; Annual Percentage Rate; Grace Period. 
(a) Finance Charge; Minimum Finance Charge. Subject to the exceptions and conditions 
stated below, you agree to pay a “Finance Charge” on your Account. The 
Finance Charge may include, as applicable, a periodic rate finance charge on your 
Account balances (see subsection (b) below), and a transaction-based fee (see subsection 
(c) below). A minimum Finance Charge will be charged to your Account for 
any Billing Period in which a Finance Charge is due. The amount of the minimum 
Finance Charge is set forth in the Table of Current Fees, below. The total Finance 
Charge, if any, charged to your Account each Billing Period will be shown in the 
“Account Summary” section on the front of the first page of each Monthly Statement. 
(b) Periodic Rate Finance Charge. Subject to the provisions of subsection (g) below, 
(titled “Grace Period”), the periodic rate finance charge will be calculated by multiplying 
the applicable periodic rate (described in subsection (d) below) times the “Cash 
Advance Average Daily Balance,” the “Purchase Advance Average Daily Balance” 
and each “Same-as-Cash Purchase (or Promotional item) Average Daily Balance” of 
your Account for the Current Billing Period. The Periodic Rate Finance Charge 
Information box on the front of the last page of your Monthly Statement will show your 
Cash Advance Average Daily Balance and your Purchase Advance Average Daily 
Balance for the Current Billing Period. This information appears on the first line in the 
row titled “Cash Advances (Current Billing Period)” and “Purchases/Debits (Current 
Billing Period),” respectively. Each Same-as-Cash Purchase (or Promotional item) 
Average Daily Balance for the Current Period will be disclosed as the “Current 
Promotional Average Daily Balance” in the “Transaction Information” section on the 
front of your Monthly Statement, below the particular Same-as-Cash Purchase or 
Promotional item to which it applies. 
To calculate the Cash Advance Average Daily Balance for the Current Billing Period, 
we add together the “Cash Advance Daily Balance” for each day in the Current Billing 
Period and divide that sum by the number of days in the Current Billing Period. To 
calculate the Purchase Advance Average Daily Balance for the Current Billing Period, 
we add together the “Purchase Advance Daily Balance” for each day in the Current 
Billing Period (exclusive of Same-as-Cash-Purchases and other Promotional items) 
and divide that sum by the number of days in the Current Billing Period. To calculate 
each Same-as-Cash Purchase (or Promotional item) Average Daily Balance for the 
Current Billing Period, we add together the Same-as-Cash Purchase (or Promotional 
item) Daily Balance for each day in the Current Billing Period and divide that sum by 
the number of days in the Current Billing Period. 
We calculate the “Cash Advance Daily Balance,” the “Purchase Advance Daily 
Balance” and the “Same-as-Cash Purchase (or Promotional item) Daily Balance” for 
each day in the Current Billing Period as follows: 
(i) If the New Balance (after subtracting all Deferrals) shown on your Previous 
Monthly Statement was zero or was paid in full on or before the Payment Due Date 

shown thereon, then (A) the Cash Advance Daily Balance for each day of the Current 
Billing Period is calculated by taking the amount of all of your posted unpaid Cash 
Advances as of the beginning of that day, adding any new Cash Advances posted to 
your Account as of that day, and subtracting any portion of any payments or credits 
posted to your Account as of that day that were applied against your posted unpaid 
Cash Advances, and (B) the Purchase Advance Daily Balance for each day in the 
Current Billing Period will be zero, and the Purchase Advance Average Daily Balance 
will not be computed during the Current Billing Period. 
(ii) If, however, the New Balance (after subtracting all Deferrals) shown on your 
Previous Monthly Statement was not paid in full on or before the Payment Due Date 
shown thereon, then (A) the Cash Advance Daily Balance for each day in the Current 
Billing Period is calculated in the same way as described in subsection (b)(i)(A) 
above; and (B) the Purchase Advance Daily Balance for each day in the Current 
Billing Period is calculated by taking the amount of all posted unpaid Purchase 
Advances (exclusive of Same-as-Cash Purchases and Promotional items) and return 
payment charges and documentation charges on your Account as of the beginning of 
that day, adding any new Purchase Advances (other than Same-as-Cash Purchases 
and Promotional items) and return payment charges and documentation charges 
posted to your Account as of that day, and subtracting any portion of any payments 
or credits posted to your Account as of that day that were applied against your posted 
unpaid Purchase Advances (other than Same-as-Cash Purchases and 
Promotional items) and return payment charges and documentation charges. 
(iii) Each Same-as-Cash Purchase (or Promotional item) Daily Balance for each day 
in the Current Billing Period is equal to the difference between the original amount of 
the Same-as-Cash Purchase or Promotional item and the sum of all payments or 
credits posted to your Account prior to and as of that day that were applied against 
the Same-as-Cash Purchases or Promotional item. 
(c) Transaction-Based Finance Charges. (i) A Cash Advance Fee will be charged to 
your Account for each Cash Advance, including a Balance Transfer that is treated as 
a Cash Advance (see Section 5 above). (However, a different fee is charged for an 
Overdraft Advance even though it is otherwise treated as a Cash Advance (see subsection 
(iii) below). The amount of the Cash Advance Fee is set forth in the Table of 
Current Fees, below. The Cash Advance Fee will be charged to your Account as of 
the first day of the Billing Period immediately following the Billing Period in which the 
Cash Advance was made. The Cash Advance Fee is a Finance Charge and will be 
added to your Cash Advance Daily Balance as of the date of the Cash Advance. 
(ii) A Balance Transfer Fee will be charged to your Account for each Balance Transfer 
that is treated as a Purchase Advance (see Section 5 above) in the amount set forth 
in the Table of Current Fees, below. This fee is a Finance Charge and is added to the 
Purchase Advance Daily Balance within one (1) business day after we process your 
request. 
(iii) 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 Table of Current 
Fees, below. The Overdraft Advance Fee will be charged to your Account as of the 
first day of the Billing Period immediately following the Billing Period in which the 
Overdraft Advance was made. The Overdraft Advance Fee is a Finance Charge and 
will be added to your Cash Advance Daily Balance as of the date of the Overdraft 
Advance. 
(d) Periodic Rate and Annual Percentage Rate for Purchase Advances and Cash 
Advances. (i) A monthly periodic rate, and a corresponding Annual Percentage Rate, 
is used to calculate any periodic rate finance charge on the Cash Advance Average 
Daily Balance and on the Purchase Advance Average Daily Balance of your Account. 
The monthly periodic rate and corresponding Annual Percentage Rate for Cash 
Advances and for Purchase Advances may be different. Each such rate will be identified 
as the applicable “Monthly Periodic Rate” and “Corresponding Annual 
Percentage Rate” in the Periodic Rate Finance Charge Information box on the front 

of the last page of your Monthly Statement. Each such monthly periodic rate (and the 
corresponding Annual Percentage Rate) is a variable rate that is subject to change. 
The periodic rate finance charge for Purchase Advances and for Cash Advances will 
not exceed 25.00% Annual Percentage Rate, unless the Penalty Annual 
Percentage Rate applies to your Account, in which case the periodic rate finance 
charge will not exceed 27.90% (see subsection (f)(iii) below.) 
(ii) The periodic rate that applies to Cash Advances and the periodic rate that applies 
to Purchase Advances during each Billing Period that ends during such month will be 
determined by taking the applicable “Base Rate” (see subsection (e) below), adding 
the applicable “Margin” (see subsection (f) below), and dividing that sum by twelve. 
The variable monthly periodic rate for Purchase Advances and the corresponding 
Annual Percentage Rate for Purchase Advances that apply as of the date the Card is 
issued, and the variable monthly periodic rate for Cash Advances and the 
Corresponding Annual Percentage Rate for Cash Advances that apply as of the date 
the Card is issued, are printed on the Card carrier to which your new Card is attached. 
Because of changes that may occur in the future in the below-described Base Rate, 
the initial monthly periodic rate (and corresponding Annual Percentage Rate) for 
Purchase Advances and the monthly periodic rate and the corresponding Annual 
Percentage Rate for Cash Advances during any monthly period after the initial month 
your Card is issued may be different than the rates shown on the Card carrier. The 
monthly periodic rate (and corresponding Annual Percentage Rate) for Cash 
Advances and for Purchase Advances may increase if the Base Rate (see subsection 
(e) below) increases, or if your payment history causes you to no longer qualify for 
the Regular Margin (see subsection (f), below). The periodic rate will never exceed 
the maximum rate permitted by applicable law. Any increase may result in an increase 
in the amount of any periodic rate finance charge charged on your Account and may 
increase your required Minimum Payment. 
(iii) The monthly periodic rate (and the corresponding Annual Percentage Rate) used 
to calculate any periodic rate finance charge on a particular Same-as-Cash Purchase 
(or Promotional item) Average Daily Balance of your Account is a fixed or a variable 
rate, depending on what is stated in the printed material you received in connection 
with the Same-as-Cash Purchase or Promotional item. If the monthly periodic rate is 
variable, it is determined in the same way as described in subsection (d) (ii) above, 
except that the Margin may be different, depending on what is stated in the printed 
material you received. Each such periodic rate will be identified as the “Promotional 
Monthly Periodic Rate,” followed by its “Corresponding Annual Percentage Rate,” in 
the “Transaction Information” section on the front of your Monthly Statement below 
the Same-as-Cash Purchase or Promotional item to which it applies. 
(iv) The actual Annual Percentage Rate for Purchases and for Cash Advances, taking 
into account all components of the Finance Charge (as described in subsection 
(a) above) if any, that was assessed on your Account during the Current Billing Period 
is set forth after the line for “Annual Percentage Rate for Purchases” or “Annual 
Percentage Rate for Cash Advances” below the Periodic Rate Finance Charge 
Information box on the front of the last page of the Monthly Statement. 
(e) Base Rate. The “Base Rate” to be used to determine your monthly periodic rate 
under the provisions of subsection (d) above will be redetermined and adjusted each 
month so as to equal the rate disclosed as the “Prime Rate” 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 holiday). However, if the Prime Rate determined 
as set forth herein is less than six percent (6.00%), the Base Rate used to 
determine your periodic rate will be six percent(6.00%). Each such adjusted Base 
Rate will be used to determine the monthly periodic rate that will be used to compute 
the monthly periodic rate finance charges 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 re-determined and adjusted. If more than one Prime Rate is listed, the 
highest 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. 
(f) Margin. (i) The “Margin” used to recompute and adjust your periodic rate under 
the provisions of subsection (d) above depends on whether the transaction is a 
Purchase Advance or a Cash Advance (see subparagraph (ii) below), and also on 
your payment history (see subparagraph (iii) below). 
(ii) For Purchase Advances and Cash Advances, the applicable Regular Margin 
(which is the number of percentage points that will be added to the Base Rate) is set 
forth on the Card carrier to which your new Card is attached. Each Regular Margin 
is applicable until such time as you fail to pay the Minimum Payment reflected on a 
Monthly Statement by the end of the Billing Period following the Billing Period covered 
by the applicable Monthly Statement (the “Next Billing Period”). If such a 
payment failure occurs, the Penalty Margin (see subparagraph (iii) below) applies. 
(iii) The Penalty Margin for Purchase Advances and Cash Advances (which is 
added to the Base Rate to determine your Penalty Annual Percentage Rate under 
the circumstances described in subparagraph (ii) above) is 18.50 percentage 
points. However, the Penalty Annual Percentage Rate will never be less than 
23.75% and will never exceed 27.90%. The Penalty Margin will apply as of the 
beginning of the Next Billing Period, and will remain applicable until you have, for 
six (6) consecutive Billing Periods, paid the full Minimum Payment as shown on 
your Monthly Statement on or before the end of the respective Next Billing Period. 
At that time, the Regular Margin for Cash Advances or for Purchase Advances, as 
appropriate, will be applicable for the next Billing Period and for all Billing Periods 
thereafter, unless you again fail to make a payment on time as provided above. 
(g) Grace Period. (i) Cash Advances first posted to your Account during the 
Current Billing Period incur a periodic rate finance charge from the date as of 
which they are posted to your Account until they are paid in full. There is no grace 
period for Cash Advances. 
(ii) Although a periodic rate finance charge will accrue monthly on a Same-as- 
Cash Purchase from the date as of which such purchase is first posted to your 
Account, the accrued periodic rate finance charges will not be charged to your 
Account if the full amount of the Same-as-Cash Purchase is paid by the end of its 
Deferral Period. At the end of the Deferral Period, however, if the full amount of 
the Same-as-Cash Purchase has not been paid, the periodic rate finance charges 
that accrued on the Same-as-Cash Purchase during the prior Billing Periods of the 
Deferral Period, and a periodic rate finance charge on the unpaid balance of the 
Same-as-Cash Purchase for the Current Billing Period, will be charged to your 
Account. 
(iii) You will avoid periodic rate finance charges on all Purchase Advances (including 
on Promotional items that are not Cash Advances, but not including Same as 
Cash Purchases and accruals on Deferrals), return payment charges and documentation 
charges first posted during the Current Billing Period if your New 
Balance for your Previous Monthly Statement was paid in full on or before the 
Payment Due Date shown on that statement. Otherwise, beginning on the first 
day of the Current Billing Period, a periodic rate finance charge will be assessed 
on all Purchase Advances (including Promotional items that are not Cash 
Advances, but excluding Deferrals) first posted to your Account during the Current 
Billing Period from the date such Purchase Advances are posted to your Account 
as set forth more fully in subsection (b) above. 
13. Monthly Payment. On or before the Payment Due Date shown on each 
Current Monthly Statement, a minimum portion of the New Balance (after subtracting 
all Deferrals) stated thereon must be paid (the “Minimum Payment”). The 
Minimum Payment amount is any prior Minimum Payment remaining unpaid plus 
the greater of (a) $10.00 or (b) the sum of 1% of the New Balance (excluding 
Deferrals) plus total billed periodic rate finance charges (see Section 12(b) of this 
Agreement), plus any Late Charges and Overlimit Charges that are shown on the 
Current Monthly Statement. 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 on your bank 
statement with our name as a one-time electronic debit. Your check number and 
a description such as “Account Payment” may also be included. Because we 
send the transaction electronically, we do not send the original check to that financial 
institution, and you will not receive your check in your statement from that 
financial institution. We will destroy your original check and retain only an image. 
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. 
14. Late Charge. If you fail to pay the minimum portion of your New Balance, as 
required in Section 13 of this Agreement above (titled “Monthly Payment)” by the 
Payment Due Date reflected on the next Monthly Statement (which will be no less 
than 20 days after the Statement Closing Date shown on the Current Monthly 
Statement), we may assess a late payment charge to your Account. The amount 
of the late charge depends on the amount of the New Balance shown on the 
Monthly Statement for the Billing Period during which the payment was not 
received. The amount of the fee is set forth in the Table of Current Fees, below. 
15. Application of Payments. Payments will be applied as we determine and in 
accordance with applicable law, and we may, from time to time, change the 
method by which payments are applied. However, we will not apply any portion 
of your payments against Same-as-Cash Purchases during their respective 
Deferral Periods until the entire remaining balance of your Account has been paid 
in full. We reserve the right to apply your payments and credits to lower APR balances 
before paying off higher APR balances. 
16. Returned Payment Charge. We may, to the extent permitted by applicable 
law, charge a returned payment charge to your Account for each check, draft or 
other similar instrument or an electronic debit sent to us as payment on your 
Account which is returned to us unpaid. The amount of the returned payment 
charge is set forth in the Table of Current Fees, below. If we convert your check 
to an electronic debit that is returned to us unpaid, the same return payment 
charge that applies to checks will apply to the electronic debit. 
17. Overlimit Charge. If your Account balance is in excess of your then-applicable 
Credit Limit at any time during a Billing Period, we may, to the extent permitted 
by applicable law, charge an Overlimit Charge to your Account. We may 
assess an Overlimit Charge even if your balance is over your Credit Limit because 
of a finance charge or fee that we imposed. The amount of the Overlimit Charge 
is set forth in the Table of Current Fees, below. No more than one (1) Overlimit 
Fee will be applied during a particular Billing Period 
18. Participation in Rewards Program. If your account is eligible to participate in 
a Rewards Program, we may charge the Account an annual membership fee on 
the date the Account is enrolled in the Rewards Program and on each anniversary 
of the enrollment of the Account thereafter. Upon participation in the Rewards 
Program, the annual membership fee is non-refundable for that year and will not 
be prorated. You may cancel your election for any subsequent year by notifying 
us within thirty (30) days after the renewal fee appears on your statement. If an 
annual membership fee is applicable to your Account, it will be set forth on the 

Card carrier to which your new Card is attached. If we do not currently charge a 
fee for participation in the Rewards Program, we retain the right to do so in the 
future. Your participation in the Rewards Program is subject to the Rewards 
Program rules which we will be sent to you when you enroll in the Rewards 
Program. Your Rewards balance will appear on your Monthly Statement immediately 
following your monthly transaction summary. 
19. Documentation Charge. To the extent permitted by law, if you request a duplicate 
Monthly Statement or if you request a duplicate check or other document, we 
may impose a charge determined by us. However, the documentation charge will 
not be imposed if your request is in connection with a written notice of a billing 
error. 
20. Liability. We have no responsibility for any merchandise purchased or services 
rendered to you through the use of your Card, except for liability that is specifically 
imposed on us by law. Subject to the rights granted to you by any applicable 
law, including the Fair Credit Billing Act, you agree to assert only against the 
seller of the merchandise or services, and not against us, all defenses, rights and 
claims which you may have relating to goods or services purchased through the 
use of your Card. 
21. Cancellation. We may, at any time, without liability to you and without affecting 
your obligation to pay all amounts you owe to us, cancel all credit available to 
you, suspend or terminate your Account and revoke your Card. All Cards are 
owned by us. You agree, upon our demand, to immediately surrender your Card 
to us cut in half. You agree that, even if your Card is revoked, you will remain 
responsible for all obligations which you incur under this Agreement. 
22. Delayed Enforcement. We may delay enforcing our rights under this 
Agreement without waiving those rights. Our failure to exercise any of our rights 
when you default does not mean we are unable to exercise those rights upon later 
default. We may accept late or partial payments, as well as payments marked 
“payment in full” or with other restrictive endorsements, without losing any of our 
rights under this Agreement. Any payment amount in excess of the Minimum 
Payment will not be applied in satisfaction of future Minimum Payments. 
23. Default. To the extent permitted by applicable law, and upon satisfaction of 
any notice requirements and/or expiration of any cure period required by applicable 
law, your Account will be in default and we may declare it to be immediately 
due and payable in full without giving you any other prior notice, and, thereafter, 
we may exercise any right or remedy under this Agreement and applicable law 
(including, without limitation, the right to revoke your Card privileges) if: you fail to 
make any required Minimum Payment by the Payment Due Date shown on your 
Monthly Statement; your balance at any time exceeds your Credit Limit; you fail to 
comply with any term of this Agreement; you die or become legally incompetent; 
you become insolvent or bankrupt; you provide us with false or misleading information 
or signatures at any time; you fail to make any payment or perform any 
promise in any other agreement or obligation you owe us; or any judgment, lien, 
attachment or execution is issued against you or your property. 
24. 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. 
25. 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. Any amendment will become 
effective at the time we state in our notice to you or, if no notice is required, as permitted 
by applicable law. To the extent permitted by applicable law, the amended 
Agreement (including any higher Finance Charge or other charges) will apply to the 

entire unpaid balance existing on your Account before the amendment became effective. 
We may, at any time, add new credit services or replace your Card with another 
Card. 
26. 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. 
27. Credit Information. You agree that we and any of our affiliate banks may share 
with one another, and use and rely upon, information which each may have relating 
to you and to the checking, credit, deposit, loan, savings and other accounts which 
you have, have had or may have in the future with us or them, unless you have given 
us notice that you opt out of information sharing with our affiliates in the manner set 
forth in our Privacy Policy. You also agree we and any of our affiliate banks may make 
credit inquiries about you and, in response to credit inquiries, may give information 
about you and your Account to others. In addition, Issuer may provide personal information 
about you to Visa USA (as applicable), its members or their or our respective 
contractors for the purpose of providing emergency cash and emergency card 
replacement services, to fulfill any rewards you earn if you participate in our Rewards 
Program, or to provide any other Account benefit to which you are entitled. If a name 
other than UMB Bank appears on the front of your Card, your Card is issued as part 
of a Co-Brand relationship between UMB Bank and the company shown on the Card. 
Since the Co-Brand Card provides you services or benefits from both UMB Bank and 
that company, you agree that information concerning your Card and Account may be 
shared between UMB Bank and that company from time to time. 
28. 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 Monthly Periodic Rate to your Average Daily Balance) will be governed 
by Nebraska law, as authorized by Missouri Revised Statutes Section 408.145. 
29. Severability. The invalidity of any provision of this Agreement shall not affect the 
validity of any other provision. 
30. 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. 
31. Security Interest. The credit extended under this Agreement is not secured by 
any collateral, even if other agreements which you may have executed would otherwise 
secure it. We waive, but only with respect to indebtedness arising under this 
Agreement, any security interest which may otherwise secure the indebtedness arising 
under this Agreement. 
TABLE OF CURRENT FEES. 
The following table sets forth the current amount of certain fees referred to in this 
Agreement. 
Cash Advance Fee 
Three percent (3%) of the amount of the Cash 
Advance, with a $15.00 minimum and a 
$50.00 maximum. 
Overdraft Protection Fee 
Three percent (3%) of the amount of the 
Advance, with a $10 minimum and a $25 maximum. 
Balance Transfer Fee 
Three percent (3%) of the amount of the 
Balance Transfer, with a $15 minimum. There 

is no maximum on the amount of a Balance 
Transfer Fee. 
Late Charge 
$15 if New Balance is less than $100, $29 if 
New Balance is from $100 to $999.99, $39 if 
New Balance is $1,000 or more. 
Returned Payment Charge $29 
Overlimit Charge $35 
Minimum Finance Charge $0.50 
International Transaction 
Fee 
Two percent (2%) of the U. S. dollar amount of 
each Cash or Purchase Advance. 
IMPORTANT INFORMATION ABOUT YOUR BILLING RIGHTS 
PERTAINING TO YOUR VISA ACCOUNT 
Your Billing Rights - Keep This Notice for Future Use This notice contains important 
information about your rights and our responsibilities under the Fair Credit Billing 
Act. 
Notify Us in Case of Errors or Questions About Your Bill If you think your bill is 
wrong or if you need more information about a transaction on your bill, write to us on 
a separate sheet at the address listed on your bill. Write to us as soon as possible. 
We must hear from you no later than 60 days after we sent you the first bill on which 
the error or problem appeared. You can telephone us, but doing so will not preserve 
your rights. 
In your letter, give the following information: 
• Your name and account number. 
• The dollar amount of the suspected error. 
• Describe the error and explain, if you can, why you believe there is an error. 
If you need more information, describe the item you are not sure about. If you have 
authorized us to pay your credit card bill automatically from your savings or checking 
account, you can stop the payment on any amount you think is wrong. To stop the 
payment, your letter must reach us three (3) business days before the automatic payment 
is scheduled to occur. 
Your Rights and Our Responsibilities After We Receive Your Written Notice 
We must acknowledge your letter within 30 days, unless we have corrected the error 
by then. Within 90 days, we must either correct the error or explain why we believe 
the bill was correct. 
After we receive your letter, we cannot try to collect any amount you question or report 
you as delinquent. We can continue to bill you the amount you question, including 
finance charges, and we can apply any unpaid amount against your credit limit. You 
do not have to pay any questioned amount while we are investigating, but you are still 
obligated to pay the parts of your bill that are not in question. 
If we find that we made a mistake on your bill, you will not have to pay any finance 
charges related to any questioned amount. If we did not make a mistake, you may 
have to pay finance charges, and you will have to make up any missed payments on 
the questioned amount. In either case, we will send you a statement of the amount 
you owe and the date that it is due. 
If you fail to pay the amount that we think you owe, we may report you as delinquent. 
However, if our explanation does not satisfy you and you write to us within ten (10) 
days telling us that you still refuse to pay, we must tell anyone we report you to that 
you have a question about your bill. And, we must tell you the name of anyone we 
reported you to. We must tell anyone we report you to that the matter has been settled 
between us when it finally is. 
If we do not follow these rules, we can not collect the first $50 of the questioned 
amount, even if your bill was correct. 
Special Rule for Credit Card Purchases 

If you have a problem with the quality of property or services that you purchased with 
a credit card, and you have tried in good faith to correct the problem with the merchant, 
you may have the right not to pay the remaining amount due on the property 
or services. There are two limitations on this right: (a) you must have made the purchase 
in your home state or, if not within your home state, within 100 miles of your 
current mailing address; and (b) the purchase price must have been more than $50. 
These limitations do not apply if we own or operate the merchant or if we mailed you 
the advertisement for the property or services. 
SEND INQUIRIES AND BILLING ERROR NOTICES TO 
Card Services, P.O. Box 419734, Kansas City, MO 64141-6734, or call 800-821-5184. 
Telephoning us will not preserve your Billing Error Rights. 
IMPORTANT INFORMATION 
Change of Address 
If your name or address changes, please notify us of the change by writing to us on 
a separate sheet at Card Services, P.O. Box 419734, Kansas City, Missouri 64141- 
6734. 
Payments 
In order to be credited to your account on the date received, your payment must be 
accompanied by the top portion of your statement and must be received at P.O. Box 
219736, Kansas City, MO 64121-9736 by 10 a.m. Payments received at such location 
after 10 a.m. will be credited on the following business day, and payments 
received at any other address will be credited promptly but may be delayed up to five 
(5) days. 
Unauthorized Use of Your Visa Account 
You may be liable for certain unauthorized use of your Card if it occurs before you 
notify us. Visa operating rules will reduce your liability under some circumstances. 
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.