Visa Platinum*

• Low APR
• No Annual Fee
• Promotional Balance transfer offers
• Online account access to view account information, make payments and track rewards points
• Earn points for every purchase and redeem points for a seemingly endless selection of merchandise, gift cards, travel, event tickets and activities. Earn bonus points when you shop at participating retailers – see www.rewards.umb.com and click on the Bonus Points tab for more details.
• No monthly or annual point cap on the amount of points cardholders can earn
• 1,000 bonus points at account opening
• Complimentary year- end summary of account activity
• Visa’s Zero Liability fraud protection**
• Worldwide Acceptance at millions of merchants
• Travel Assistance Services
• Convenience Checks available
• Optional debt protection
• Travel Accident Insurance – up to $500,000

*This information about the above credit cards is accurate as of November 1, 2009. This information may have changed after that date. To find out what may have changed, call us at 800.821.5184.
**Visa’s Zero Liability Protection covers U.S. issued cards only and does not apply to commercial credit cards, ATM transactions or PIN transactions not processed by Visa. Cardholder must notify Issuer promptly of unauthorized use.

Consumer Credit Cardholder Contact Information

Consumer Customer Service
Business – 800.821.5184

Cardholder Online Service
www.cardcenterdirect.com

Card Services Correspondence
P.O. Box 419734
Kansas City, MO 64141-6734

Consumer Payment Address
P.O. Box 219736
Kansas City, MO  64121-9736

Points Redemption
www.rewards.umb.com
800.828.5357