Rates and Fees Table for UMB Visa Secured Credit Card Accou nts 
 
PLEASE NOTE that this information is provided for general  information purposes only and i s not specific to your Account. 
See the Cardholder Agreement and Important Cost Information disclosure that was provided for your Account for more 
detailed information. This information is accurate as of July 1, 2021.  
 
 Interest Rates and  Charges  
Annual Percentage Rate (APR) for  
Purchases  19.99%. This APR will vary with the market based on the Prime  Rate.  This APR 
will not exceed 32.00% . 
APR for Cash  Advances  24.99%. This APR will vary with the market based on the Prime Rate.  The APR will 
not exceed 32.00% . 
Paying  Interest  Your due date is at least 2 1 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.  
Minimum Interest  Charge  If you are charged interest, the charge will be no less than $0.50 . 
For Credit Card Tips from the 
Consumer Financial Protection  
Bureau  To learn  more  about  factors  to consider  when  applying  for or using  a credit  card,  visit the 
website of the Consumer Financial Protection Bureau at 
http://consumerfinance.gov/learnmore . 
Fees  
Annual  Fee $29 
Transaction  Fees  
� Cash  Advance  Three percent (3%) of the amount of the Cash Advance, with a $15 minimum and a 
$50 maximum.  
Penalty  Fees   
� Late Payment  The great er of five percent  (5%) of the mi nimum payment due or $15. 
� Returned Payment  $25 
 
How We Will Calculate Your Balance: We use a method called the �average daily balance (including new purchases).�  
How We Determine APRs: The Purchase and Cash Advance APRs are determined by adding a Margin to the Prime Rate. The Prime Rate is the highest Prime 
Rate published in The Wall Street Journal Money Rates table on the fifteenth (15th) day of each month, or the next business d ay, if the 15th falls on a weekend 
or holiday. The APR for Purchases and Cash Advances will not exceed 32.00% . 
Margin: We will add 16.74%  to the Prime Rate to determine the APR for Purchases. We will add 21.74%  to the Prime Rate to determine the APR for Cash 
Advances.  
Cardholder Agreement: For additional information about the costs and terms of the Account, see your Cardholder Agreement, which will be sent with t he Card. 
The Cardholder Agreement and the Account will be governed by Missouri and applicable federal law, but we will rely on the provisions of Nebraska law with 
respect to the fees and charges (other than interest) that apply to your Account, as authorized by Missouri Revised Statutes Section 408.145. The Cardholder 
Agreement permits us to change  the terms of this Account, including the rates, fees and other credit terms, upon notice to cardholder and subject to the 
provisions of applicable law.  
Notice to Young Applicants: If you are under 21 years of age, Federal law prohibits us from approving y our application for a credit card unless you 
demonstrate that you have the independent ability to make the required payments on your account, or unless you provide a guar antor or cosigner. The 
guarantor or cosigner must be acceptable to us and must sign ou r form of guaranty agreement.  
Important Information About Procedures For Opening A New Account: Our bank complies with Section 326 of the USA PATRIOT Act. This law mandates 
that we collect and verify certain information about you while processing your Acco unt application. Please talk with a Bank representative if you have questions.  
State Disclosures: (1) MARRIED WISCONSIN RESIDENTS: You agree that (a) no provision of any marital property agreement, unilateral statement under the 
Wisconsin Marital Property Law or court decree will adversely affect our interests unless, prior to the time credit is granted, we are given a copy of t he 
agreement, statement, or decree or we have actual knowledge of the adverse provision. (2) CALIFORNIA RESIDENTS: An applicant, if married, may apply for 
a separate account. Applicants: (1) may, after credit approval, use the credit card account up to its credit limit; (2) may b e liable for amounts extended under the 
plan to any joint applicant. As required by law, yo u are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit 
reporting agency if you fail to fulfill the terms of your credit obligations. (3) OHIO RESIDENTS: The Ohio laws against discrimination require  that all creditors 
make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit his tories on each individual upon 
request. The Ohio Civil Rights Commission administers compliance with this law. (4) NEW YORK RESIDENTS: New York residents may contact the New York 
State Department of Financial Services by telephone or visit its website for free information on comparative credit card rate s, fees and grace periods. NY State 
Dept of Financial Services:  1-800-342-3736 or visiting https://www.dfs.ny.gov/consumers/banking_money/credit_card_terms_and_fees (5) NEW YORK AND 
VERMONT RESIDENTS: We may obtain your credit reports, for any legitimate purpose associated with the account or the application or reques t for an account, 
including but not limited to reviewing, modifying, renewing and collecting on your account. On your request, you will be info rmed i f such a report was ordered. If 
so, you will be given the name and address of the consumer reporting agency  furnishing the report. (6) DELAWARE AND OREGON RESIDENTS: Service 
charges not in excess of those permitted by law will be charged on the outstanding balances from month to month. You may pay more than the minimum 
payment due, up to your entire outstanding  balance, at any time.  
Important: Information about the costs of credit cards as shown in the Important Cost Information chart is  accurate as of July 1, 20 21, the date this 
document was printed. This information may have changed after that date. To find out  what may have changed, call us at 855.368.0410 or write to us 
at UMB Bank, n.a., P.O. Box 419734, Kansas City, Missouri 64141 -6734.