UMB Discover® Cardholder Agreement 

1. Your Agreement to these Terms and Conditions; Definitions. The terms 
and conditions in this Agreement govern your Card and all credit extended 
to you under this Agreement. The “Agreement” means this UMB Discover 
Cardholder Agreement, the disclosures (“Account Opening Disclosures”) 
included on the Card carrier to which your new Card is attached, and any 
supplemental disclosures that we may send you regarding special 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. 

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 UMB Discover credit card issued in connection with an Account 
we own. “Account” means your UMB Discover credit card account with us. 
“Card” or “Cards” refer to the UMB Discover cards, checks and Account 
number issued in connection with your Account. “Advance” means any 
credit we extend to you through your Account. The terms “Credit Limit” and 
“Unused Credit Limit” are defined in Section 3 below. “Purchase Advance” 
and “Cash Advance” are defined in Section 4. “Balance Transfer” is 
defined in Section 5. “Overdraft Advance” is defined in Section 6. “Finance 
Charge” is defined in Section 12. 

2. Use of Your Card; Annual Fee. You should sign your Card before you 
use it. The Card is our property, and you must give it back to us upon our 
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 
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. 

3. 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. 

4. Purchase Advances and Cash Advances. Subject to the other terms of 
this Agreement, we agree to make Advances which, at the time the 
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 Discover 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 2), return payment charges (see Section 21 below) and 
documentation charges (see Section 24) (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 Discover 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”). 

5. 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 9 below, and Balance Transfers that are treated as 
Purchase Advances be will incur periodic rate interest charges as set forth 
in Section 15 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 
9 below, and Balance Transfers that are treated as Cash Advances will 
incur periodic rate interest charges as set forth in Section 15 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 
must 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. 

6. Cash Over: If your account is eligible, we may permit you to access 
cash when you make a purchase at a participating merchant or store.  
There will be no fee associated with the cash obtained using this feature 
and it will be charged to your account as a purchase included with or 
without purchased item(s) amount.  The cash may only be accessed under 
this feature if there is a purchase accompanying the request.  The amount 
of cash you may have access to will be determined by us as well as by the 
limitations of the participating stores or merchants.  

7.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 9 
below, and the periodic rate interest charge on the Overdraft Advance will 
be charged as set forth in Section 15 below. 

8. 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. 

9. 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 18 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. 

10. 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 processing 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. 

11. Foreign Transactions. (a) Currency Conversion. If a Cash Advance or 
Purchase Advance is made in a currency other than U. S. dollars, Discover 
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 Discover 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 
Discover itself receives. 

(b) International Transaction Assessment Fee. We may 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 14(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 15 below). 

12. 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 
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. 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 18 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 for 
Purchase Advances (see Section 15(b) 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 5 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.  

(d) The “Transaction Information” section on the front of your Monthly 
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. 

13. 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 13 below), certain transaction-based fees 
(see Section 14 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. 

14. 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 15) 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 
payments received or credits posted to your Account that are applied to 
your Purchase Advance balance that day. This gives us your Purchase 
Advance 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. 

15. 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 5 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 5 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. 

(d) International Transaction Assessment Fee. The International 
Transaction Assessment Fee is also a transaction-based Finance Charge 
assessed to your Account (see Section 10(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 balance 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. 

16. 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) Introductory Periodic Interest Rate and Introductory Annual Percentage 
Rate for Purchase Advances. For a specified period of time after your Card 
is issued (the “Introductory Period”), an introductory monthly periodic 
interest rate and a corresponding introductory Annual Percentage Rate 
(the “Introductory Rates”) will apply to all Purchase Advances on your 
Account. The Introductory Rates do not apply to Cash Advances. The 
length of the Introductory Period and the introductory Annual Percentage 
Rate on Purchase Advances are shown in the Account Opening 
Disclosures.  

(b) Standard Periodic Interest Rate and Annual Percentage Rate for 
Purchase Advances and Cash Advances. The standard periodic interest 
rate that applies to Purchase Advances (after the end of the Introductory 
Period) and to Cash Advances (during the Introductory Period and 
thereafter) is determined by taking the applicable “Base Rate” (see Section 
16(a)), adding the applicable “Standard Margin” (see Section 16(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 
(assuming there had been no Introductory Period) 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 16(a)), the Annual Percentage Rate for Purchase 
Advances (after the end of the Introductory Period) 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 16(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. 

(c) Periodic Interest Rate and Annual Percentage Rate for Promotional 
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 16 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. 

17. Base Rate and Margins. (a) Base Rate. After the expiration of the 
Introductory Period (for Purchase Advances), and beginning the first month 
after we issue your Card (for Cash Advances), 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. At the end of the Introductory Period (for Purchase 

Advances), and beginning the first month after your Card is issued (for 
Cash Advances), 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.  

18. 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, 
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. 

19. 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 11 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 
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. 

20. Late Charge. If you fail to pay the minimum portion of your New 
Balance, as required in Section 18 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 
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. 

21. 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 15), 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. 

22. 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. 

23. 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 
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. 

24. Participation in Rewards Program. Your participation in our Rewards 
Program is subject to the Rewards Program rules which 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. 

25. 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. 

26. 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. 

27. Card Renewal; Account Termination. You request us to issue a 
renewal Card on or before the expiration date if your Account is open and 
in good standing at the time. 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 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. 

28. 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. 

29. 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. 

30. 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. 

31. 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, you may have a right to “opt-out” of a 
proposed 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. 

32. 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. 

33. 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, we may 
provide personal information about you to Discover Financial Services (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. A Co-Brand Card provides you with 
services or benefits from both UMB Bank and that company, and you 
agree that information concerning your Card and Account may be shared 
between UMB Bank and that company from time to time. 

34. 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. 

35. Severability. The invalidity of any provision of this Agreement shall not 
affect the validity of any other provision. 

36. 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. 

37. Unauthorized Use of Your 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. 

UMB Bank, n.a. 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 UMB Bank, n.a 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 UMB 
Bank, n.a. rules will apply to all applicable losses as a result of 
unauthorized use of the Card, unless the UMB Bank, n.a. rules are 
repealed or revised. 

38. 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. 

YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FURTHER USE 

This notice tells you about your rights and our responsibilities under the 
Fair Credit Billing Act. 

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 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, 
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. 

M-97307 Rev 8/2012 Intro 

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