Rates and Fees Table for UMB Bank, n.a.  Private Label Accounts

PLEASE NOTE that this information is provided for general information purposes only and is not specific to your Account.  
See the Cardholder Agreement and Important Cost Information disclosure that was provided for your Account for more 
detailed information.  This information is accurate as of August 1, 2014.

  Interest Rates and Charges

  Annual Percentage Rate (APR)
  for Purchases

18.00% or 19.80%, depending on your Private Label card type.

  How to Avoid Paying Interest  

Your due date is at least 21 days after the close of each billing cycle. We will not charge you 
interest on Purchases if you pay your entire balance by the due date each month.  

  Minimum Interest Charge

If you are charged interest, the charge will be no less than $0.50.

  For Credit Card Tips from the     
  Consumer Financial Protection 
  Bureau

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

Transaction Fees 

None

•	 Foreign Transaction

Two percent (2%) of the U. S. dollar amount of each Purchase.

Penalty Fees

•	 Late Payment

•	 Returned Payment

•	 Over the Credit Limit

Up to $35 

Up to $35

None

How We Will Calculate Your Balance:  We use a method called the “average daily balance (including new purchases)”.  
Cardholder Agreement: For additional information about the costs and terms of the Account, see your Cardholder Agreement, which is sent with 
the Card.  The Cardholder Agreement and the Account will be governed by Missouri and applicable federal law, but we will rely on the provisions of 
Nebraska law with respect to the fees and charges (other than interest) that apply to your Account, as authorized by Missouri Revised Statutes Section 
408.145. The Cardholder Agreement permits us to change the terms of this Account, including the rates, fees and other credit terms, upon notice to 
cardholder and subject to the provisions of applicable law.

Important:  Information  about  the  costs  of  credit  cards  is  accurate  as  of  August.1,.2014,  the  date  this  document  was  created.  This 
information may have changed after that date.  To find out what may have changed, call us at 855.368.0410 or write to us at UMB Bank, n.a., 
P.O. Box 419734, Kansas City, Missouri  64141-6734.