Application
Form for Legal Assistant/Paralegal, Legal Administrator/Librarian, or Arbitrator
BAMSL VISA
GOLD DISCLOSURE
ANNUAL PERCENTAGE RATE FOR
PURCHASES 14.65%
VARIABLE RATE INFORMATION Your annual percentage rate may vary monthly. The rate is
determined by adding 6.9% to the Prime Rate published in The Wall Street Journal in its
column called "Money Rates" as of the last business day of each month. If for
any two consecutive months we do not receive the required minimum monthly payment by the
respective due date, we may immediately increase the APR for purchases by 4%.
GRACE PERIOD FOR REPAYMENT OF BALANCES AND PURCHASES At least 25 days from the date
of the periodic statement (provided you have paid the previous balance in full by the due
date).
METHOD OF COMPUTING THE BALANCE FOR PURCHASES Average Daily Balance (including
transactions).
ANNUAL FEES NONE
FEES FOR PAYING OR EXCEEDING THE CREDIT LIMIT Late Payment fee: $15; Over-the-Credit
Limit Fee: NONE; Transaction Fees for Cash Advances: 2% of Cash Advance amount with a
minimum of $2.
**Several of the foregoing terms
only apply to purchases, there may be different terms for cash advances**
The information about the cost of the card described in this application is accurate as of
January 31, 1999 when it was printed. This information may change after the printing date.
To find out what may have changed, call us toll free at 1-800-645-2103, or write us at
10840 Old Mill Road, Omaha, Nebraska 68154-2650. Unless I write to Commerce Bank, PO Box
13607, Kansas City, MO 61499, KCBC, Attn. Production Dept., I agree that Commerce Bank and
its affiliates may share information about me or my account. BAMSL January, 1999
Return this form to:
THE BAR ASSOCIATION OF METROPOLITAN ST. LOUIS
720 Olive Street, Suite 2900, St. Louis, MO 63101
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