Important Credit Card Disclosure

The following disclosure represents important details concerning Your Credit Card. The information about costs of the Cards is accurate as of the effective date of February 1, 2023. You can call us at the telephone number shown herein or write us at 423 Lynch Street, St. Louis, MO 63118 to inquire if any changes have occurred since the effective date.

	Interest Rate and Interest Charges
Annual Percentage Rate (APR) for Purchases and Balance Transfers	Preferred Platinum VISA: 11.15% - 21.15% when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.  Platinum Points VISA: 13.15% - 23.15% when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. VISA Signature: 0.00% introductory APR for 12 months. After that, your APR will be 15.50% - 25.00% based on your creditworthiness at the time your established your account. After that, your APR will vary with the market based on the Prime Rate.  Platinum VISA: 11.90% - 21.90% when you open your account, based on your creditworthiness.
Annual Percentage Rate (APR) for Cash Advances	Preferred Platinum VISA: 13.15% - 25.00% when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.    Platinum Points VISA: 15.15% - 25.00% when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. VISA Signature: 17.50% - 25.00% when you open your account based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. Platinum VISA: 13.90% - 25.00% when you open your account, based on your creditworthiness.
How to Avoid Paying Interest on Purchases	You must pay your entire balance owed each month within 25 days of your statement closing date.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $0.50.
For Credit Card Tips from the Federal Reserve Board	For more information about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau web site at www.consumerfinance.gov/learnmore
	Fees
Transaction Fees	Foreign Transaction: For Preferred Platinum VISA, 1.00% of each transaction in U.S. Dollars For Platinum Points VISA, 1.00% of each transaction in U.S. Dollars For Platinum VISA, 1.00% of each transaction in U.S. Dollars For Visa Signature, None Cash Advance: For Preferred Platinum VISA, $2.00 For Platinum Points VISA, $2.00 For Platinum VISA, $2.00 For VISA Signature, 3.00% of the advance ($10.00 minimum)
Penalty Fees	Late Payment: Up to $25 Returned Payment: Up to $25 Balance Transfer: $0 Annual Fee: $0 5/20

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your account agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.