Rates And Fees Table for UMB Bank, n.a.  Visa 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 September 30, 2013.

  Interest Rates and Charges

  Annual Percentage Rate (APR)
  for Purchases

7.15% to 17.99% based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate.  This APR will not exceed 25.00%.
Introductory APRs with varying durations may be available on some accounts. 

  APR for Cash Advances

11.15% to 24.99%. This APR will vary with the market based on the Prime Rate. This APR will not 
exceed 25.00%.

  APR for Balance Transfers

Introductory APRs may be available for the first 12 billing cycles for balances transferred 
within 60 days from account opening.  After the first 12 billing cycles,  and for Balance 
Transfers made more than 60 days from account opening, 7.15% to 17.99% (based on your 
credit worthiness) if your Balance Transfer is treated as a Purchase, or 11.15% to 24.99% if your 
Balance Transfer is treated as a Cash Advance. These APRs will vary with the market based on 
the Prime Rate.

  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.  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

  Fees
  Annual Fee
Transaction Fees 

•	 Balance Transfer

•	 Cash Advance

•	 Foreign Transaction

•	 Overdraft Protection

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

None

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. 
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

•	 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)”.  
How we determine APRs:  The Purchase and Cash Advance APRs are determined by adding a Margin to the Prime Rate. The Prime Rate is the 
highest Prime Rate published in The Wall Street Journal Money Rates table on the fifteenth (15th) day of each month, or the next business day, if the 
15th falls on a weekend or holiday. 
Margin: We will add 3.90% to 14.74% to the Prime Rate to determine the APR for Purchases. We will add 7.90% to 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 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  September  30,  2013,  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.