Rates a nd Fees Table for UMB Visa Accounts  with a Fixed  APR for Purchases  
 
PLEASE NOTE that this information is provided for general  information purposes only and i s not specific to your Account. 
See the Cardholder Agreement and Important Cost Information disclosure that was provided for your Account for more 
detailed information. This information is accurate as of May 1, 20 20.  
 
 Interest Rates and  Charges  
Annual Percentage Rate (APR) for  
Purchases  18.00%  
APR for Cash  Advances  24.99%. This APR will vary with the market based on the Prime Rate.  The APR will 
not exceed 32.00% . 
APR for Balance  Transfers  18.00%  if your Balance Transfer is treated as a Purchase, or 24.99% if your Balance 
Transfer is treated as a Cash Advance. When the Balance Transfer is treated as a 
Cash Advance, the APR  will vary with the market based on the Prime  Rate.  
Paying  Interest  Your due  date is at least 21 days after the close of each billing cycle. We will not 
charge you interest on Purchases if you pay your entire balance by the due date each 
month. Generally, we will begin charging interest on Cash Advances and Balance 
Transfers on th e transaction  date.  
Minimum Interest  Charge  If you are charged interest, the charge will be no less than $0.50 . 
For Credit Card Tips from the 
Consumer Financial Protection  
Bureau  To learn  more  about  factors  to consider  when  applying  for or using  a credit  card,  visit the 
website of the Consumer Financial Protection Bureau at 
http://consumerfinance.gov/learnmore . 
Fees  
Annual  Fee None  
Transaction  Fees  
� Balance  Transfer  Three percent (3%) of the amount of the Balance Transfer, with a $15 minimum and 
no maximum.  
� Cash  Advance  Three percent (3%) of the amount of the Cash Advance, with a $15 minimum and a 
$50 maximum.  
� Foreign  Transaction  Two percent (2%) of the U. S. dollar amount of each Cash Advance or Purchase.  
� Overdraft  Protection  Three percent (3%)  of the amount of the Overdraft  Advance , with a $10 minimum 
and a $25 maximum.  
Penalty  Fees   
� Late Payment  Up to  $38 
� Returned Payment  Up to  $38 
� Over the Credit Limit  None  
 
How We Will Calculate Your Balance: We use a method called the �average daily balance (including new purchases).�  
How We Determine APRs: The Cash Advance APR is  determined by adding a Margin to the Prime Rate. The Prime Rate is the highest Prime Rate published in The Wall Street Journa l Money 
Rates table on the fifteenth (15th) day of each month, or the next business day, if the 15th falls on a weekend or hol iday. The APR for Cash Advances will not exceed 32.00% . 
Margin: We wil l add 21.74%  to the Prime Rate to determine the APR for Cash Advances.  
Cardholder Agreement: For additional information about the costs and terms of the Account, see your Cardholder Agreement, which will be sent with the Card. The Cardholder Agreement and the 
Account will be governed by Missouri and applicable federal law, but we will rely on the provisions of Nebraska law with resp ect to the fees and charges (other than interest) tha t apply to your 
Account, as authorized by Missouri Revised Statutes Section 408.145. The Cardholder Agreement permits us to change the terms of this Account, including the rates, fees and other credit terms, 
upon notice to cardholder and subject to the pro visions of applicable law.  
Notice to Young Applicants: If you are under 21 years of age, Federal law prohibits us from approving your application for a credit card unless you demon strate that you have the independent ability to make the 
required payments o n your account, or unless you provide a guarantor or cosigner. The guarantor or cosigner must be acceptable to us and must si gn our form of guaranty agreement.  
Important Information About Procedures For Opening A New Account: Our bank complies with Section  326 of the USA PATRIOT Act. This law mandates that we collect and verify certain information about you 
while processing your Account application. Please talk with a Bank representative if you have questions.  
State Disclosures: (1) MARRIED WISCONSIN RESIDE NTS: You agree that (a) no provision of any marital property agreement, unilateral statement under the Wisconsin Marital Property Law or 
court decree will adversely affect our interests unless, prior to the time credit is granted, we are given a copy of th e agreement, statement, or decree or we have actual knowledge of the adverse 
provision. (2) CALIFORNIA RESIDENTS: An applicant, if married, may apply for a separate account. Applicants: (1) may, after credit approval, use the credit card a ccount up to its credit limit; (2) 
may be liable for amounts extended under the plan to any joint applicant. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to 
a credit reporting agency if you fail  to fulfill the terms of your credit obligations. (3) OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to 
all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this 
law. (4) NEW YORK RESIDENTS: New York residents may contact the New York State Department of Financial Services by telephone or visit its website f or free information on comparative credit 
card rates, fees and grace periods. NY State Dept of Financial Services: 1 -800-342-3736 or visiting https://www.dfs.ny.gov/consumers/banking_money/credit_card_terms_and_fees (5) NEW YORK 
AND VERMONT RESIDENTS: We m ay obtain your credit reports, for any legitimate purpose associated with the account or the application or request for an ac count, including but not limited to 
reviewing, modifying, renewing and collecting on your account. On your request, you will be inf ormed i f such a report was ordered. If so, you will be given the name and address of the consumer 
reporting agency furnishing the report. (6) DELAWARE AND OREGON RESIDENTS: Service charges not in excess of those permitted by law will be charged on the outs tanding balances from 
month to month. You may pay more than the minimum payment due, up to your entire outstanding balance, at any time.  
Important: Information about the costs of credit cards as shown in the Important Cost Information chart is  accurate as of May 1, 20 20, the date this document was printed. This 
information may have changed after that date. To find out what may have changed, call us at 855.368.0410 or write to us at UM B Bank, n.a., P.O. Box 419734, Kansas City, Missouri 
64141 -6734.