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 

0.00% introductory APR for six (6) months.  After that,  
your APR will range from 9.90% to 15.99%.  
The APR in effect after your introductory APR expires 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 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. 
If you are charged interest, the charge will be no less than 
$0.50. 

None. 

  Balance Transfer 

  Cash Advance 

  Foreign 

Transaction 

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. 

  Overdraft Advance 

Penalty Fees 

  Late Payment 

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

$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 

$29 

  Over the Credit 

None 

Limit 

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 your Introductory APR and any 
other 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 cards, checks and 
Account number issued 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” 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 credyou 
itor, 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 you 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 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 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. 
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 Sameas- 
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 Same-as-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 Sameas- 
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 Sameas- 
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) For a specified period of time after your Card is issued (the “Introductory 
Period”), an introductory monthly periodic rate and a corresponding introductory 
Annual Percentage Rate (the “Introductory Rate”) will apply to all Purchase 
Advances (but not to Cash Advances) on your Account, unless your payment history 
has not been satisfactory. The Introductory Period End Date, the introductory 
monthly periodic rate and the corresponding introductory Annual Percentage Rate 
on Purchase Advances are printed on the Card carrier to which your new Card is 
attached. If the Penalty Margin (defined in subsection (f) below, entitled “Margin”) 
would be applicable, except for the fact that the Introductory Period has not 
expired, the Introductory Rate on Purchase Advances will increase to the Penalty 
Annual Percentage Rate determined in accordance with subsection (f)(iii) below. If 
the increased Penalty Annual Percentage Rate is still applicable on the 
Introductory Period End Date, the monthly periodic rate (and the corresponding 
Annual Percentage Rate) used to calculate the periodic rate finance charge on 
Purchase Advances on your Account will continue to be calculated in accordance 
with subsection (f)(iii) below until the “Regular Margin” becomes applicable (i.e. 
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). 
(iii) The periodic rate that applies to Cash Advances during the Introductory Period 
(unless the Penalty Margin has become applicable) and during each calendar 
month after the Introductory Period, and the periodic rate that applies to Purchase 
Advances after the Introductory Period (unless the Penalty Margin has become 
applicable) 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 assuming there had been no Introductory Period, 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 that will 
apply after the Introductory Period has expired and the monthly periodic rate and 
the corresponding Annual Percentage Rate for Cash Advances 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. 

(iv) 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) (iii) 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. 
(v) 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. After the expiration of the Introductory Period (with respect to 
Purchase Advances), and beginning the first month after Card issuance, with 
respect to Cash Advances, 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) After the expiration of the Introductory Period (with respect to 
Purchase Advances), and beginning the first month after Card issuance (with 
respect to Cash Advances), 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 serv- 
ices 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 
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 
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.