b'AGREEMENT FOR VISA CREDIT CARD\nBorrower\nCo-Borrower/Signer\nMember #\nThe undersigned (hereinafter referred to as "cardholder(s)"). jointly and individually , hereby authorizes the Hughes Credit Union\n(hereafter referred to as "Credit Union"), to:\nEstablish a separate line of Credit account to be known as a "Credit Card Account".\nIssue a VISA credit card(s), hereinafter referred to as the "Card", to be used by any of the cardholder(s) to make purchases or cash\nadvances up to the approved credit card account limit, and to charge such purchases or cash advances against the credit card account\ndesignated below. The Card is also to be used by any of the cardholder(s) to make cash withdrawals from automated teller machines, or\nany other financial transaction machine, as authorized by the Credit Union, and to charge such cash withdrawals against the credit card\naccount designated below.\nCardholder(s) and Credit Union Agrees:\n1.\n\nThe Card will be valid through the expiration date printed on the face of the card. Cardholder(s) requests the Credit Union to Issue\na renewal or replacement card before the current card expires and to continue to issue renewal or replacement cards until\nCardholder(s) tells Credit Union to stop.\n\n2.\n\nNo other person is permitted to use Cardholder(s) card for identification, for charges, or for any other reason. Cardholder(s) may\nbe Iiable for the unauthorized use of the card. Cardholder(s) will not be liable for unauthorized use that occurs after cardholder(s)\nnotifies Hughes Federal Credit Union at P.O.Box 11900, Tucson, Arizona 85734-1900, (520) 794-8341, orally or in writing, of the\nloss, theft, or possible unauthorized use. In any case, Cardholder(s) liability will not exceed $50.00 or the value obtained through\nthe unauthorized use before the Credit Union is notified, whichever is less. Cardholder(s) shall notify Credit Union at once if the\nCard is lost, or stolen, or used without Cardholder(s) authorization. Credit Union reserves the right to deny authorization for any\nrequested charge.\nFor value received and to be received, Cardholder(s), jointly and individually (each shall be agent for the other and be responsible\nfor the advances to the other whether with knowledge of same or not), promises to pay the Credit Union or order at the Tucson\nArizona office, or such other place as it may designate, all sums advanced from time to time under this Credit Card Account\nAgreement plus a FINANCE CHARGE (interest) at daily periodic rate on the unpaid balance(s), both before and after maturity, that\nare not repaid within any allowable "grace period" in effect when the advance is made. The FINANCE CHARGE begins to accrue\non the date of each cash advance of funds, including cash withdrawals made with the card.\n\n3.\n\n4.\n\nThe ANNUAL PERCENTAGE RATE\n(a) In effect as of the date of this Credit Card Account Agreement is disclosed in the attached "Hughes Federal Credit Union Credit\nCard Disclosure" notice which is hereby incorporated herein and by reference made a part hereof, and\n(b) shall be determined by the Hughes Federal Credit Union\'s Board of Directors, and\n(c) shall be subject to modification and adjustment on any day of the month hereafter until this loan is fully paid and discharged,\nprovided a written notice is given at least forty-five (45) days prior to the effective date of such modification and adjustment,\nand\n(d) shall not exceed the maximum rate allowed by applicable laws governing Federal Credit Unions.\nAn increase in the ANNUAL PERCENTAGE RATE may increase the number of monthly payments, but the minimum payment\namount will remain as stated\nin item 6 below.\nA decrease in the ANNUAL PERCENTAGE RATE may reduce the number of monthly payments, but the minimum payment\namount will remain as stated in\nItem 6 below.\n\n5.\n\nIf this credit card credit line is a share secured loan; upon execution of this secured open end credit plan the Credit Union is\ngiven a pledge and security interest in your shares, share or security certificates, deposits, payments, and earnings thereon.\n\nFunds Pledged In\n\nAmount Pledged\n\nOwner Name\n\nOwner Signature\n\n$0.00\nTHIS AGREEMENT INCLUDES ALL THE PROVISIONS ON THE REVERSE SIDE, WHICH ARE HEREBY\nINCORPORATED HEREIN AND MADE A PART HEREOF.\n\nPRIMARY BORROWER\n\nID #\n\nDATE\n\nCO-BORROWER\n\nDATE\n\nID #\n\nApproved Limit\n*You will be notified by us, in writing, of any further changes to your credit card account limit(s).\n\nPage 1 of 2\n\nAgreement_For_Visa_CC_ML 02/25/2021\n\n\x0c6.\n\nThe credit card account shall be repaid as follows:\nEither the full amount billed shall be paid or, at the option of the undersigned, an installment equal to at least the required minimum payment. If the outstanding balance\nis $15.00 or less, it shall be payable in full. The required minimum monthly payment shall be the greater of:\n(a)\n\n$15.00\n\n(b)\n\n3% of that portion of the outstanding balance which does not exceed the Cardholder(s) credit limit, plus the entire portion of the outstanding balance in excess of\nthe credit limit, plus any amount past due, rounded to the nearest whole dollar.\n\n7.\n\nPurchases and cash advances made in foreign countries and foreign currencies will be billed to you in U.S. dollars. The conversion rate dollars will be at the (i) the\nwholesale market rate or (ii) the government mandated rate; whichever is applicable, in effect one day prior to the processing date, increased by one percent.\n\n8.\n\nEach payment shall be first applied to any outstanding late charges, then to FINANCE CHARGES earned to the date of receipt of said payment and the remainder\napplied to the unpaid principal balance. A statement of account shall be furnished monthly, or more frequently if required by law, and shall also be furnished to\nCardholder(s) at any time upon request and payment of a service charge.\n\n9.\n\nTHE CREDIT UNION MAY TERMINATE THE RIGHT OF THE CARDHOLDER(S) TO USE THE CARD AT ANY TIME AND FOR ANY REASON WITHOUT NOTICE.\nFurther, upon demand by the Credit Union, Cardholder(s) will immediately return and surrender the Card to the Credit Union without further negotiation. All rights and\nprivileges extended under this agreement shall terminate on any expiration date determined solely by the Credit Union. It is specifically agreed that the Credit Union\nwould not issue the Card if it were not for the Cardholder(s), jointly and individually, agreeing to all matters contained in this Agreement.\n\n10.\n\nCROSS COLLATERAL CLAUSE. The undersigned, jointly and severally, hereby pledges all secured collateral, unless it is your principal residence, paid shares, share\nor security certificates, deposits, payments and earnings thereon which they or any of them now have, or hereinafter may have with Hughes Federal Credit Union, as\nsecurity for the repayment of any and all monies advanced under this credit plan, and interest, costs and/or expenses that may accrue thereon. The undersigned\nauthorizes the Credit Union to apply any or all such shares, share or security certificates, deposits, payments and earnings thereon to the payment of this plan, and\ninterest, costs and/or expenses, in the event of the undersigned\'s failure to pay when said payments are due or such time as the Credit Union at its absolute discretion\ndeems this loan to be in jeopardy by reason of nonpayment or other circumstances, which may substantially reduce the undersigned\'s ability to repay what is owed.\nThis includes the transfer of any unsecured balance that is in default into an existing secured collateralized loan, that is not your principal residence, with the Credit\nUnion.\n\n11.\n\nSTATUTORY LIEN. If you are in default on your financial obligation with the Credit Union, Federal Law gives the Credit Union the right to apply the balances of\nshares and dividends in your account(s) at the time of default to satisfy that obligation. Once you are in default, we may exercise that right without further\nnotice to you.\n\n12.\n\nCardholder(s) grants to Credit Union a purchase money security interest under the Uniform Commercial Code in any goods purchased through the Credit Card\nAccount. In the event of any default, Credit Union is hereby authorized to recover any of these goods which have not been paid for by Cardholder(s).\n\n13.\n\nThis document and the payments due hereunder may be guaranteed by any person(s), if required and who is not a member of said Credit Union.\n\n14.\n\nAny guarantor or co-maker of this plan shall be obligated for the full amount of all advances granted to the undersigned from time to time but may be relieved of liability\nfor future advances but not past advances upon receipt by the Credit Union of a signed written statement to such effect.\n\n15.\n\nIn the event of any default in the payments as herein agreed, then the entire unpaid balance of the credit card account, together with accrued interest, shall, at the option\nof the Credit Union, become immediately due and payable as principal, which amount thereafter shall bear interest pursuant to the terms of this agreement. In the event\nof any action to enforce the terms, conditions, and provisions of this Agreement or to enforce collection of any sums due hereunder, Cardholder(s) agrees to pay, and\nCredit Union shall be awarded, its costs, including collection costs, court costs and attorney\'s fees, whether or not suit is filed. I understand that interest of 1 1/2%\npercent per month will be charged on the unpaid balance of my account. In addition, if this debt, or any portion of it, is turned over to an outside debt collector,\nCardholder(s) agree to pay an additional 35% to 50% of the balance so turned over, to defray creditors additional expense. Cardholder(s), jointly and individually,\ncovenant and agree that their community property and the respective separate property of each of them shall be liable for the payments of the obligation evidenced by\nthis account together with all costs of collection and suit, including reasonable attorney\'s fees and court costs. Cardholder(s) are hereby notified that they may have\nexemption rights in the personal property pledge and in which Credit Union is granted a security interest. Cardholder(s) with such notice waive any such exemption\nrights in the personal property so pledged and in which Credit Union is granted said security interest. Further, Cardholder(s) waive grace, presentment, demand, notice\nof dishonor and protest.\n\n16.\n\nThis agreement/contract shall be deemed to have been made in Pima County, Arizona, regardless of the order in which the signatures of the parties shall be affixed\nhereto; and shall be interpreted and the rights and liabilities of the parties here determined, in accordance with the laws of the State of Arizona. As part of the\nconsideration for the execution of this agreement by the creditor, the undersigned hereby agree that all action and/or proceedings arising directly or indirectly from this\nand any other contract agreement with this creditor, shall be litigated only in courts within the State of Arizona; and further that the undersigned hereby consent to the\njurisdiction and venue of Pima County, Arizona.\n\n17.\n\nThe Credit Union may retain the original agreement to comply with Federal and/or State law, and may change the terms of this agreement from time to time upon, at\nleast, forty-five (45) days prior written notice mailed to the Cardholder(s) last known address as shown on records of Credit Union, subject, however, to the terms of\nSection 226.9(c) of the regulations, as amended, issued under the Truth in Lending Act. (Regulation Z). Credit Union will consider that Cardholder(s) have accepted the\nchanges if the card is kept or used after receipt of said change(s). If Cardholder(s) do not accept the changes, this agreement may be terminated by cutting the card in\nhalf and returning the pieces to Credit Union. Cardholder(s) will still be responsible for all fees and charges made before this agreement is terminated.\n\n18.\n\nIn the event that any one or more of the foregoing provisions of this Agreement are deemed invalid or unenforceable, for any reason, by any court of law, then in no\nevent shall the remaining provisions be held to be invalid or unenforceable. The remaining provisions shall have the full force and effect of law and be enforceable in any\ncourt of law.\n\n19.\n\nThe Credit union may delay or waive the enforcement of any of our rights under this Agreement without losing that right or any other right. If the Credit Union delays or\nwaives any of its rights, the Credit Union may enforce that right at any time in the future without advance notice.\n\n20.\n\nCardholder(s) acknowledge(s) receipt of a duplicate copy hereof, before the first charge or advance is made.\n\n21.\n\nLATE CHARGES: If you fail to make your required monthly payments, the Credit Union may impose a late charge of up to $30 for any installment that has not been\nreceived within 10 days after the payment is due. Refer to the Rate/Fee Schedule as fees are subject to change.\n\nEQUAL CREDIT OPPORTUNITY ACT NOTICE\nThe Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national\norigin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract), because all or part of the applicant\'s\nincome is derived from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit\nProtection Act. The Federal agency that administers compliance with this law concerning HUGHES FCU is the National Credit Union Administration,\n4807 Spicewood Springs Road, Austin, Texas 78759, (512) 482-4500.\n\nPage 2 of 2\n\n\x0c'


b'Visa Platinum Disclosure\nInterest Rates and Interest Charges\n\nAnnual Percentage Rate (APR)\nfor Purchases\n\n9.50% - 12.50%\n\nAPR for Balance Transfers\n\n9.50% - 12.50%\n\nBased on creditworthinesss. This APR shall be determined by the Hughes Federal Credit Union\'s Board\nof Directors\n\nBased on creditworthinesss. This APR shall be determined by the Hughes Federal Credit Union\'s Board\nof Directors\n\nAPR for Cash Advances\n\n9.50% - 12.50%\nBased on creditworthinesss. This APR shall be determined by the Hughes Federal Credit Union\'s Board of\nDirectors\n\nPenalty APR when it applies\n\n16.99%\nThis APR may be applied to your account if you make a late payment for two\n(2) consecutive months.\nHow Long Will the Penalty APR Apply: If your APR is increased for the above\nreason, the Penalty APR will apply until you make six (6) consecutive minimum\npayments when due.\n\nPaying Interest\n\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you any interest on purchases if you pay your entire balance by the due\ndate each month. We will begin charging interest on cash advances and balance\ntransfers on the transaction date.\nNone\nTo learn more about factors to consider when applying for or using a credit card, visit the website\nof the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore\n\nFees\nAnnual Fee\nTransaction Fees\n* Balance Transfer\n* Cash Advance\n* Foreign Transaction\n\nNone\n\nNone\nNone\n1% of each transaction in U.S. dollars.\nAn international transaction fee may be charged for any card transaction or purchase made in a foreign\ncountry or involving a merchant located in a foreign country, even if you are in the United States while making\nthe transaction.\n\nPenalty Fees\n* Late Payment\n* Over-the-Credit Limit\n* Returned Payment\nOther Fees\n*Card Replacement\n*Pull and Rush Fee\n*Convenience Check Fees\n\n*Pay by Phone (expedited)\n*DesignYour Own Card\n\nUp To $30\nUp To $20\nUp To $30\n\n$10\n$30\n$10 for returned checks\n$7.50 for stop payment\n$7.50 for each check copy\n$4.95\n$9.95\n\nHow Will We Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your account\nagreement for more details.\n\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\n\nPlatinum-A-Credit-Card-Disclosure-ML 04/27/2021\n\n\x0c'


b'Annual Percentage Rate(APR) for\nPurchases\n\nINTEREST RATE AND INTEREST CHARGES\n\n12.24%\n\nafter the introductory period.\nThis APR will vary with the market based on the Prime Rate.\n\n0.00%\n\nIntroductory rate for (6) statement cycles after account opening.\nAPR for Balance Transfers\nAPR for Cash Advances\n\n12.24%\n\nThis APR will vary with the market based on the Prime Rate.\n\n24.99%\n\nThis APR will vary with the market based on the Prime Rate.\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you\ninterest on purchases if you pay your entire balance by the due date each month. We will begin\ncharqinq interest on cash advances and balance transfers on the transaction date.\nMinimum Interest Charge\nIf you are charged periodic interest, the charge will be no less than $1.50.\nFor Credit Card Tips from the Consumer To learn more about factors to consider when applying for or using a credit card, visit the website\nFinancial Protection Bureau\nof the Consumer Financial Protection Bureau at\n\nPaying Interest\n\nhttos://www.consumerfinance.aov/learnmore\n\nAnnual Fees\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 International Transaction\n\nPenalty Fees\n\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over-the-Credit-Line\n\xe2\x80\xa2 Returned Payment\n\n$99\n\nFEES\n\nEither $10 or 4% of the amount of each transfer, whichever is greater.\nEither $10 or 4% of the amount of each transfer, whichever is greater.\nNONE\n\nUp to $35\n\nNONE\nUp to $35\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance". See your Card Regulations for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Regulations.\nLoss of Introductory APR: We may end your introductory APR and apply the Annual Percentage Rate for purchases if you make a late\n\npayment.\n\nHow We Will Calculate Your Variable APRs: The APR will be determined separately for each monthly statement and any increase or decrease\nwill take effect on the first day of the billing cycle in which the change occurs. The APR in effect for each billing cycle will be equal to the Prime\nRate plus 8.99 percentage points. "Prime Rate" means the highest Prime Rate published in the "Money Rates" table in the Wall Street Journal on\nthe 15th calendar day of each month, or if no rate is published on the 15th, then on the next succeeding calendar date on which a Prime Rate is\npublished. An increase in Prime Rate will increase the APR and the Monthly Periodic Rate applied to your account. The annual percentage rate\nand monthly periodic rate will not change more often than once per month. You can call 1-800-445-9272 for the current actual rate. Any increase\nor decrease in the annual percentage rate and the monthly periodic rate will cause the interest charge on your account to increase or decrease\naccordingly, and may cause your minimum payment due to increase or decrease.\nPrime Rate: Variable APRs are based on the 3.25% Prime Rate as of February 15, 2021.\nA: The initial monthly periodic rate applied to your account under the agreement will be 0.00% for six statement cycles after account opening.\nUpon completion of the sixth statement cycle the Monthly Periodic Rate applied to your account under this agreement is estimated to be 1.02%.\nWe add 8.99% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate currently 1.02%).\nB: We add 21.74% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 2.083%).\nMilitary Lending APR: Effective October 1, 2017, Federal law provides important protections to members of the Armed Forces and their\ndependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her\ndependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account:\nThe costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application\nfee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than\ncertain participation fees for a credit card account).\n\n\x0cAnnual Percentage Rate(APR) for\nPurchases\n\nINTEREST RATE AND INTEREST CHARGES\n\n15.49%\n\nafter the introductory period.\nThis APR will vary with the market based on the Prime Rate.\n\n0.00%\nAPR for Balance Transfers\nAPR for Cash Advances\n\nIntroductory rate for (6) statement cycles after account opening.\n\n15.49%\n\nThis APR will vary with the market based on the Prime Rate.\n\n24.99%\n\nThis APR will vary with the market based on the Prime Rate.\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you\nPaying Interest\ninterest on purchases if you pay your entire balance by the due date each month. We will begin\ncharqinq interest on cash advances and balance transfers on the transaction date.\nMinimum Interest Charge\nIf you are charged periodic interest, the charge will be no less than $1.50.\nFor Credit Card Tips from the Consumer To learn more about factors to consider when applying for or using a credit card, visit the website\nFinancial Protection Bureau\nof the Consumer Financial Protection Bureau at\nhttps://www.consumerfinance.gov/learnmore\n\nAnnual Fees\nTransaction Fees\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nBalance Transfer\nCash Advance\nInternational Transaction\n\nPenalty Fees\n\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nLate Payment\nOver-the-Credit-Line\nReturned Payment\n\n$99\n\nFEES\n\nEither $10 or 4% of the amount of each transfer, whichever is greater.\nEither $10 or 4% of the amount of each transfer, whichever is greater.\nNONE\n\nUp to$35\n\nNONE\nUp to$35\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance". See your Card Regulations for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Regulations.\nLoss of Introductory APR: We may end your introductory APR and apply the Annual Percentage Rate for purchases if you make a late\n\npayment.\n\nHow We Will Calculate Your Variable APRs: The APR will be determined separately for each monthly statement and any increase or decrease\nwill take effect on the first day of the billing cycle in which the change occurs. The APR in effect for each billing cycle will be equal to the Prime\nRate plus 12.24 percentage points. "Prime Rate" means the highest Prime Rate published in the "Money Rates" table in the Wall Street Journal\non the 15th calendar day of each month, or if no rate is published on the 15th, then on the next succeeding calendar date on which a Prime Rate\nis published. An increase in Prime Rate will increase the APR and the Monthly Periodic Rate applied to your account. The annual percentage\nrate and monthly periodic rate will not change more often than once per month. You can call 1-800-445-9272 for the current actual rate. Any\nincrease or decrease in the annual percentage rate and the monthly periodic rate will cause the interest charge on your account to increase or\ndecrease accordingly, and may cause your minimum payment due to increase or decrease.\nPrime Rate: Variable APRs are based on the 3.25% Prime Rate as of February 15, 2021.\nA: The initial monthly periodic rate applied to your account under the agreement will be 0.00% for six statement cycles after account opening.\nUpon completion of the sixth statement cycle the Monthly Periodic Rate applied to your account under this agreement is estimated to be 1.291%.\nWe add 12.24% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate currently 1.291%).\nB: We add 21.74% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 2.083%).\nMilitary Lending APR: Effective October 1, 2017, Federal law provides important protections to members of the Armed Forces and their\ndependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her\ndependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account:\nThe costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application\nfee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than\ncertain participation fees for a credit card account).\n\n\x0cAnnual Percentage Rate(APR) for\nPurchases\n\nINTEREST RATE AND INTEREST CHARGES\n\n18.74%\n\nafter the introductory period.\nThis APR will vary with the market based on the Prime Rate.\n\n0.00%\n\nAPR for Balance Transfers\nAPR for Cash Advances\n\nIntroductory rate for (6) statement cycles after account openinq.\n\n18.74%\n\nThis APR will vary with the market based on the Prime Rate.\n\n24.99%\n\nThis APR will vary with the market based on the Prime Rate.\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you\nPaying Interest\ninterest on purchases if you pay your entire balance by the due date each month. We will begin\ncharging interest on cash advances and balance transfers on the transaction date.\nMinimum Interest Charge\nIf you are charged periodic interest, the charge will be no less than $1.50.\nFor Credit Card Tips from the Consumer To learn more about factors to consider when applying for or using a credit card, visit the website\nFinancial Protection Bureau\nof the Consumer Financial Protection Bureau at\nhttps://www.consumerfinance.gov/learnmore\n\nAnnual Fees\nTransaction Fees\n\n$99\n\nFEES\n\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 International Transaction\n\nEither $10 or 4% of the amount of each transfer, whichever is greater.\nEither $10 or 4% of the amount of each transfer, whichever is greater.\n\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over-the-Credit-Line\n\nUp to$35\n\nPenalty Fees\n\n\xe2\x80\xa2 Returned Payment\n\nNONE\n\nNONE\n\nUp to$35\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance". See your Card Regulations for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Regulations.\nLoss of Introductory APR: We may end your introductory APR and apply the Annual Percentage Rate for purchases if you make a late\n\npayment.\n\nHow We Will Calculate Your Variable APRs: The APR will be determined separately for each monthly statement and any increase or decrease\nwill take effect on the first day of the billing cycle in which the change occurs. The APR in effect for each billing cycle will be equal to the Prime\nRate plus 15.49 percentage points. "Prime Rate" means the highest Prime Rate published in the "Money Rates" table in the Wall Street Journal\non the 15th calendar day of each month, or if no rate is published on the 15th, then on the next succeeding calendar date on which a Prime Rate\nis published. An increase in Prime Rate will increase the APR and the Monthly Periodic Rate applied to your account. The annual percentage\nrate and monthly periodic rate will not change more often than once per month. You can call 1-800-445-9272 for the current actual rate. Any\nincrease or decrease in the annual percentage rate and the monthly periodic rate will cause the interest charge on your account to increase or\ndecrease accordingly, and may cause your minimum payment due to increase or decrease.\nPrime Rate: Variable APRs are based on the 3.25% Prime Rate as of February 15, 2021.\nA: The initial monthly periodic rate applied to your account under the agreement will be 0.00% for six statement cycles after account opening.\nUpon completion of the sixth statement cycle the Monthly Periodic Rate applied to your account under this agreement is estimated to be 1.562%.\nWe add 15.49% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate currently 1.562%).\nB: We add 21.74% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 2.083%).\nMilitary Lending APR: Effective October 1, 2017, Federal law provides important protections to members of the Armed Forces and their\ndependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her\ndependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account:\nThe costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application\nfee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than\ncertain participation fees for a credit card account).\n\n\x0cAnnual Percentage Rate(APR) for\nPurchases\n\nINTEREST RATE AND INTEREST CHARGES\n\n21.99%\n\nafter the introductory period.\nThis APR will vary with the market based on the Prime Rate.\n\n0.00%\n\nAPR for Balance Transfers\nAPR for Cash Advances\n\nIntroductory rate for (6) statement cycles after account opening.\n\n21.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\n24.99%\n\nThis APR will varv with the market based on the Prime Rate.\nPaying Interest\nY our due date is at least 25 days after the close of each billing cycle. We will not charge you\ninterest on purchases if you pay your entire balance by the due date each month. We will begin\ncharging interest on cash advances and balance transfers on the transaction date.\nMinimum Interest Charge\nIf you are charged periodic interest, the charge will be no less than $1.50.\nFor Credit Card Tips from the Consumer To learn more about factors to consider when applying for or using a credit card, visit the website\nFinancial Protection Bureau\nof the Consumer Financial Protection Bureau at\nhttps://www.consumerfinance.gov/learnmore\n\nAnnual Fees\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 International Transaction\nPenalty Fees\n\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over-the-Credit-Line\n\xe2\x80\xa2 Returned Payment\n\n$99\n\nFEES\n\nEither $10 or 4% of the amount of each transfer, whichever is greater.\nEither $10 or 4% of the amount of each transfer, whichever is greater.\nNONE\n\nUp to $35\nNONE\nUp to $35\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance". See your Card Regulations for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Regulations.\nLoss of Introductory APR: We may end your introductory APR and apply the Annual Percentage Rate for purchases if you make a late payment.\nHow We Will Calculate Your Variable APRs: The APR will be determined separately for each monthly statement and any increase or decrease\n\nwill take effect on the first day of the billing cycle in which the change occurs. The APR in effect for each billing cycle will be equal to the Prime\nRate plus 18.74 percentage points. "Prime Rate" means the highest Prime Rate published in the "Money Rates" table in the Wall Street Journal\non the 15th calendar day of each month, or if no rate is published on the 15th, then on the next succeeding calendar date on which a Prime Rate\nis published. An increase in Prime Rate will increase the APR and the Monthly Periodic Rate applied to your account. The annual percentage rate\nand monthly periodic rate will not change more often than once per month. You can call 1-800-445-9272 for the current actual rate. Any increase\nor decrease in the annual percentage rate and the monthly periodic rate will cause the interest charge on your account to increase or decrease\naccordingly, and may cause your minimum payment due to increase or decrease.\nPrime Rate: Variable APRs are based on the 3.25% Prime Rate as of February 15, 2021.\nA: The initial monthly periodic rate applied to your account under the agreement will be 0.00% for six statement cycles after account opening.\nUpon completion of the sixth statement cycle the Monthly Periodic Rate applied to your account under this agreement is estimated to be 1.833%.\nWe add 18.74% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate currently 1.833%).\nB: We add 21.74% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 2.083%).\nMilitary Lending APR: Effective October 1, 2017, Federal law provides important protections to members of the Armed Forces and their\ndependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her\ndependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account:\nThe costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee\ncharged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain\nparticipation fees for a credit card account).\n\n\x0cBankCard Services - Card Regulations\nOTHER FEES\n1.In the event a Cardholder shall request a replacement card for a lost or stolen card, a fee of\n$15.00 may be charged for each replacement card. This fee will not apply to cards issued as\nrenewal of expired cards.\n2. You will be charged $5.00 for each original or copied sales slip and duplicate statement you\nrequest. We will not charge you for duplicate documents in connection with a billing error notice\nor if our investigation indicates a billing error occurred.\n3. You will be charged $25.00 for each request for expedited (rush) delivery of a credit card. Such\nfee will cover both the creation of the credit card and delivery expense that is incurred.\n4. You will be charged $15.00 for each expedited payment request. Expedited payment requests\ncan be made by telephone via live customer service agent from your checking or savings\naccount. Any incoming request will be recorded. Expedited telephone payment requests can be\nmade 24x7.\n5. Annual Fees: The Annual Fee of $99 will be assessed on the \xef\xac\x81rst cycle date after account\nopening and then annually on the month in which the account was opened.\nCARDHOLDER AGREEMENT\nThe MASTERCARD card (hereinafter called Card) enclosed herein is issued by THE CENTRAL\nTRUST BANK, Jefferson City, Missouri who is the Creditor (hereinafter called Bank) of the\nperson(s) named on the enclosed card(s) (hereinafter called Cardholder) and by the Cardholder\nsigning or using the enclosed card(s), or by using the account number stated on the enclosed\nform, agrees with Bank to all of the following terms and conditions and any future amendments:\n1.This Card shall remain the property of Bank and shall be surrendered upon Bank\xe2\x80\x99s request.\n2. Cardholder assumes responsibility for all credit extended through the use of this Card.\nCardholders issued the same account number, jointly and severally assume responsibility to\nrepay all amounts incurred through the use of the account number and applicable interest\ncharges, and for credit insurance premiums, if authorized by Cardholder.\n3. Cardholder agrees not to incur charges which will result in credit in excess of the credit limit\nspeci\xef\xac\x81cally authorized by Bank. Charges in excess of the credit limit agreed to by Bank are not\npermitted and are in breach of the agreement and will be considered fraud. Notwithstanding any\nlanguage or \xef\xac\x81gures to the contrary, the Bank shall have the absolute right to require immediate\npayment of the entire outstanding balance in excess of the credit limit.\n4. The use of this account for payment of any illegal purchase is strictly prohibited (ie internet\ngambling, betting or lottery tickets).\n5. Cardholder agrees to pay, at such place as Bank designates and in accordance with billings\nand the current customer payment schedule, amounts incurred through the use of this Card and\nall applicable interest charges as determined by the applicable method of determination in effect\nat the time of their assessment.\n6. In case this Card is lost or stolen, Cardholder agrees to promptly notify Bank by telephone\nand to immediately con\xef\xac\x81rm such notice in writing. The Cardholder shall have no liability for\nunauthorized use of the Card.\n7. This Card, and the privileges thereunder, may be canceled at any time without notice.\n8. In addition to Bank\xe2\x80\x99s agreement to extend credit to Cardholder for charges, credit checks and\ncash advances up to Cardholder\xe2\x80\x99s credit limit, as set forth above, Bank further agrees to extend\ncredit to Cardholder for advance amounts and to pay for credit insurance premiums, if authorized\nby Cardholder and offered by Bank up to Cardholder\xe2\x80\x99s credit limit.\n9. Bank shall have no responsibility for any merchandise purchased or services rendered to\nCardholder through the use of Cardholder\xe2\x80\x99s Card(s), except as shall be required by law, and any\nCardholder agrees to \xef\xac\x81rst assert any claims or defenses regarding any merchandise or services\nso purchased against the seller. Bank shall not be responsible by reason of anyone\xe2\x80\x99s refusal to\nhonor Cardholder\xe2\x80\x99s Card(s).\n10. This Card is not transferable.\n11. The absence of Cardholder\xe2\x80\x99s signature will not relieve Cardholder from liability for charges\nincurred through the use of this Card.\n12. Use of Card after notice of its revocation is fraudulent and subjects the user to legal\nproceedings.\n13. Bank will not make cash refunds on charges incurred with this Card.\n14. (a) No interest charge will be imposed on any purchases (excluding cash advances) made\nduring the billing cycle covered by a monthly billing statement if the new balance is paid in full by\nthe payment due date shown on such statement and if the new balance on the monthly billing\nstatement immediately preceding such statement was paid in full by its payment due date. If the\nnew balance on the monthly billing statement immediately preceding the current monthly billing\nstatement was not paid in full by its payment due date, or if the new balance on the current\nmonthly billing statement is not paid in full by the payment due date, an interest charge will be\nimposed on Cardholder\xe2\x80\x99s account. Interest charges will be applied on the next statement date\nfor any monthly billing statement that interest charges are imposed. Interest charges will be\ncalculated according to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d method (paragraph 14(b)). Interest charges\nbegin to accrue on cash advances and balance transfers as of the date of the advance. Interest\ncharges begin to accrue on credit checks and credit life insurance premiums on the day they are\nposted to the account. Interest charges begin to accrue on purchases as of the transaction date.\n14.(b) If an interest charge is imposed on Cardholder\xe2\x80\x99s account, Bank will compute the interest\ncharge on Cardholder\xe2\x80\x99s account by applying the monthly \xe2\x80\x9cperiodic rate\xe2\x80\x9d to the \xe2\x80\x9caverage daily\nbalance\xe2\x80\x9d of Cardholder\xe2\x80\x99s account (excluding current transactions). To get the \xe2\x80\x9caverage daily\nbalance,\xe2\x80\x9d Bank will take the beginning balance of the account each day and add any new\npurchases (if subject to interest charges as explained above), cash advances (including credit\nchecks) and credit life insurance premiums and subtract any payments or credits and unpaid\ninterest charges. This gives Bank the daily balance. Then, Bank adds up all the daily balances\nfor the billing cycle and divides the total by the number of days in the billing cycle. This gives\nBank the \xe2\x80\x9caverage daily balance.\xe2\x80\x9d\n\n15. The rate of exchange between the transaction currency and the billable currency used for\nthe processing of International MASTERCARD transactions is the (I) wholesale market rate or\n(II) government-mandated rate, in effect one day prior to the processing date, increased by 0\npercent (or the applicable percentage as determined by the Issuer\xe2\x80\x99s selected options).\n16. Bank can change any of the terms of this Agreement (including the periodic rates used to\ncompute the interest charge) at any time. The new terms will apply both to new purchases and\nadvances. We will mail you written notice of any change at least 45 days before the start of the\nbilling cycle when the change will take place.\n17. NOTICE REGARDING INACCURATE INFORMATION-As a participant in the consumer\nreporting system, we furnish information about our experience with you to consumer reporting\nagencies. These consumer reports allow us to make credit and other opportunities available to\nyou. If you believe that we have furnished information to a consumer reporting agency that is\ninaccurate, please notify us at the following address and identify the speci\xef\xac\x81c information that\nis inaccurate: The Central Trust Bank, 238 Madison, Jefferson City, Missouri 65101, Attention:\nBankCard Services.\n18. It shall be an \xe2\x80\x9c Event of Default\xe2\x80\x9d under this Agreement if: (a) Cardholder fails to make any\npayments of billings when due, including without limitation amounts incurred through the use\nof the Card and applicable interest charges; (b) Cardholder incurs charges by use of the Card\nin excess of the credit limit speci\xef\xac\x81cally authorized by Bank; (c) Cardholder dies or becomes\nbankrupt or insolvent; (d) garnishment or attachment proceedings are instituted against\nCardholder; or (e)Cardholder fails to pay or perform any other obligations, agreements, or\nconditions provided in this agreement.\n19. Upon the occurrence of an \xe2\x80\x9c Event of Default\xe2\x80\x9d , Bank may, at its option; (a) immediately\ndemand payment in full of all obligations of Cardholder arising out of or in any way related to the\nCard; (b) set off any obligations of Cardholder against any right of Cardholder to the payment of\nmoney from Bank; (c) exercise any and all remedies available to Bank at law, in equity, or under\nthis agreement. By choosing any one of the forgoing remedies, Bank does not waive its right to\nsubsequent use of another remedy. Bank does not waive an \xe2\x80\x9c Event of Default\xe2\x80\x9d if Bank does not\nchoose to use any remedy, and, by electing not to use any remedy, Bank does not waive its right\nto later declare an \xe2\x80\x9c Event of Default\xe2\x80\x9d and to use any remedies available to Bank. Bank shall be\nentitled to the reasonable costs of collection, including but not limited to reasonable attorney fees\nfor attorneys who are not Bank employees.\n20. Any notice, demand or request by Bank to Cardholder, shall be in writing and shall be\ndeemed to have been duly given or made if mailed to address set forth in Cardholder\xe2\x80\x99s credit\ncard application, or to such other address as Cardholder may hereafter designate to Bank.\nMONITORING AND RECORDING TELEPHONE CALLS AND CONSENT TO RECEIVE\nCOMMUNICATIONS\nWe may monitor or record phone calls for security reasons, to maintain a record and to ensure\nthat you receive courteous and ef\xef\xac\x81cient service. You consent in advance to any such recording.\nWe need not remind you of our recording before each phone conversation.\nTo provide you with the best possible service in our ongoing business relationship for your\naccount we may need to contact you about your account from time to time by telephone, text\nmessaging or email. However, we must \xef\xac\x81rst obtain your consent to contact you about your\naccount because we must comply with the consumer protection provisions in the federal\nTelephone Consumer Protection Act of 1991 (TCPA), CAN-SPAM Act and their related federal\nregulations and orders issued by the Federal Communications Commission (FCC).\n\xe2\x80\xa2 Your consent is limited to this account, and as authorized by applicable law and regulations.\n\xe2\x80\xa2 Your consent does not authorize us to contact you for telemarketing purposes (unless you\notherwise agree elsewhere).\nWith the above understandings, you authorize us to contact you regarding this account\nthroughout its existence using any telephone numbers or email addresses that you have\npreviously provided to us or that you may subsequently provide to us.\nThis consent is regardless of whether the number we use to contact you is assigned to a\nlandline, a paging service, a cellular wireless service, a specialized mobile radio service, other\nradio common carrier service or any other service for which you may be charged for the call.\nYou further authorize us to contact you through the use of voice, voice mail, and text messaging,\nincluding the use of pre-recorded or arti\xef\xac\x81cial voice messages and an automated dialing device.\nIf necessary, you may change or remove any of the telephone numbers or email addresses at\nany time using any reasonable means to notify us.\nBank Initiated Alerts\nAlerts will be provided Free to End User (FTEU). Messaging Frequency Varies.\nYou can cancel this service at any time. Just text \xe2\x80\x9cSTOP\xe2\x80\x9d to 47450. After you send the message\n\xe2\x80\x9cSTOP\xe2\x80\x9d to us, we will send you a reply message to con\xef\xac\x81rm that you have been unsubscribed.\nAfter this, you will no longer receive messages from us.\nIf at any time you forget what keywords are supported, just text \xe2\x80\x9cHELP\xe2\x80\x9d to 47450. After you send\nthe message \xe2\x80\x9cHELP\xe2\x80\x9d to us, we will respond with instructions on how to use our service as well\nas how to unsubscribe.\nParticipating Carriers: AT&T, Boost Mobile, MetroPCS, Sprint, T-Mobile\xc2\xae, Verizon Wireless,\nVirgin Mobile USA.\nCustomer Initiated Alerts\nWhen you opt-in to the service, we will send you a message to con\xef\xac\x81rm your signup. Message\nand data rates may apply. Messaging Frequency Varies.\nYou can cancel this service at any time. Just text \xe2\x80\x9cSTOP\xe2\x80\x9d to 87300 or 83318. After you send\nthe message \xe2\x80\x9cSTOP\xe2\x80\x9d to us, we will send you a reply message to con\xef\xac\x81rm that you have been\nunsubscribed. After this, you will no longer receive messages from us.\nIf at any time you forget what keywords are supported, just text \xe2\x80\x9cHELP\xe2\x80\x9d to 87300 or 83318. After\nyou send the message \xe2\x80\x9cHELP\xe2\x80\x9d to us, we will respond with instructions on how to use our service\nas well as how to unsubscribe.\nParticipating Carriers: AT&T, Boost Mobile, MetroPCS, Sprint, T-Mobile\xc2\xae, Verizon Wireless,\nVirgin Mobile USA.\n\n\x0cAdding Your Mastercard To A Mobile Wallet\nWhen you opt-in to this service we will send you a message to con\xef\xac\x81rm your signup. Message and\ndata rates may apply. Messaging Frequency Varies.\nYou can cancel this service at any time. Just text \xe2\x80\x9cSTOP\xe2\x80\x9d to 87300. After you send the message\n\xe2\x80\x9cSTOP\xe2\x80\x9d to us, we will send you a reply message to con\xef\xac\x81rm that you have been unsubscribed. After\nthis, you will no longer receive messages from us.\nIf at any time you forget what keywords are supported, just text \xe2\x80\x9cHELP\xe2\x80\x9d to 87300. After you send\nthe message \xe2\x80\x9cHELP\xe2\x80\x9d to us, we will respond with instructions on how to use our service as well\nas how to unsubscribe.\nParticipating carriers: AT&T, C-Spire (Cellular South), Carolina West Wireless, Cellcom,\nClearSky, Google Voice, Interop, nTelos, Sprint/Boost, T-Mobile/Metro PCS, U.S. Cellullar,\nVerizon Wireless, and Virgin Mobile.\nT-Mobile is not liable for delayed or undelivered messages.\nAs always, message and data rates may apply for any messages sent to you from us and to us\nfrom you. If you have any questions about your text plan or data plan, it is best to contact your\nwireless provider.\nYOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT\nIf you think there is an error on your statement, write to us at: The Central Trust Bank,\nAttn: BankCard Services, PO Box 779, Jefferson City, MO 65102.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment\non the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not\nrequired to investigate any potential errors and you may have to pay the amount in question.\nWHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also\ntell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why\nwe believe the bill is correct.\n\nAfter we \xef\xac\x81nish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other\nfees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with\napplicable interest and fees.\nWe will send you a statement of the amount you owe and the date payment is due. We may then\nreport you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10\ndays telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without\nalso reporting that you are questioning your bill. We must tell you the name of anyone to whom\nwe reported you as delinquent, and we must let those organizations know when the matter has\nbeen settled between us.\nIf we do not follow all of the rules above, you do not have to pay the \xef\xac\x81rst $50 of the amount you\nquestion even if your bill is correct.\nYOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES\nIf you are dissatis\xef\xac\x81ed with the goods or services that you have purchased with your credit card,\nand you have tried in good faith to correct the problem with the merchant, you may have the right\nnot to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing\naddress, and the purchase price must have been more than $50. (Note: Neither of these are necessary if\nyour purchase was based on an advertisement we mailed to you, or if we own the company that sold you\nthe goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an\nATM or with a check that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatis\xef\xac\x81ed with the purchase, contact us in writing at: The\nCentral Trust Bank, Attn: BankCard Services, PO Box 779, Jefferson City MO 65102.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we \xef\xac\x81nish our\ninvestigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay,\nwe may report you as delinquent.\nOther Important Information\nLost and Stolen (24 hrs.): (866) 756-7863\nCustomer Service (24 hrs.): (877) 907-7480\nPast Due Accounts: (800) 626-8010\nView account activity or sign up for electronic statement: www.centralbank.net\n\n\x0c'


b'Annual Percentage Rate(APR) for\nPurchases\n\nINTEREST RATE AND INTEREST CHARGES\n\n12.24%\n\nafter the introductory period.\nThis APR will vary with the market based on the Prime Rate.\n\n0.00%\n\nAPR for Balance Transfers\nAPR for Cash Advances\n\nIntroductory rate for (6) statement cycles after account opening.\n\n12.24%\n\nThis APR will vary with the market based on the Prime Rate.\n\n24.99%\n\nThis APR will vary with the market based on the Prime Rate.\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you\ninterest on purchases if you pay your entire balance by the due date each month. We will begin\ncharging interest on cash advances and balance transfers on the transaction date.\nMinimum Interest Charge\nIf you are charged periodic interest, the charge will be no less than $1.50.\nFor Credit Card Tips from the Consumer To learn more about factors to consider when applying for or using a credit card, visit the website\nFinancial Protection Bureau\nof the Consumer Financial Protection Bureau at\nPaying Interest\n\nhttps://www.consumerfinance.gov/learnmore\n\nAnnual Fees\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 International Transaction\nPenalty Fees\n\n\xe2\x80\xa2\n\nLate Payment\n\xe2\x80\xa2 Over-the-Credit-Line\n\n\xe2\x80\xa2 Returned Payment\n\nNone\n\nFEES\n\nEither $10 or 4% of the amount of each transfer, whichever is greater.\nEither $10 or 4% of the amount of each transfer, whichever is greater.\n\n1 % of each transaction in U.S. dollars.\n\nUp to$35\n\nNONE\nUp to$35\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance". See your Card Regulations for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Regulations.\nLoss of Introductory APR: We may end your introductory APR and apply the Annual Percentage Rate for purchases if you make a late payment.\nHow We Will Calculate Your Variable APRs: The APR will be determined separately for each monthly statement and any increase or decrease\n\nwill take effect on the first day of the billing cycle in which the change occurs. The APR in effect for each billing cycle will be equal to the Prime\nRate plus 8.99 percentage points. "Prime Rate" means the highest Prime Rate published in the "Money Rates" table in the Wall Street Journal on\nthe 15th calendar day of each month, or if no rate is published on the 15th, then on the next succeeding calendar date on which a Prime Rate is\npublished. An increase in Prime Rate will increase the APR and the Monthly Periodic Rate applied to your account. The annual percentage rate\nand monthly periodic rate will not change more often than once per month. You can call 1-800-445-9272 for the current actual rate. Any increase\nor decrease in the annual percentage rate and the monthly periodic rate will cause the interest charge on your account to increase or decrease\naccordingly, and may cause your minimum payment due to increase or decrease.\nPrime Rate: Variable APRs are based on the 3.25% Prime Rate as of February 15, 2021.\nA: The initial monthly periodic rate applied to your account under the agreement will be 0.00% for six statement cycles after account opening.\nUpon completion of the sixth statement cycle the Monthly Periodic Rate applied to your account under this agreement is estimated to be 1.02%.\nWe add 8.99% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate currently 1.02%).\nB: We add 21.74% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 2.083%).\nMilitary Lending APR: Effective October 1, 2017, Federal law provides important protections to members of the Armed Forces and their\ndependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her\ndependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account:\nThe costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee\ncharged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain\nparticipation fees for a credit card account).\n\n\x0cAnnual Percentage Rate(APR) for\nPurchases\n\nINTEREST RATE AND INTEREST CHARGES\n\n15.49%\n\nafter the introductory period.\nThis APR will vary with the market based on the Prime Rate.\n\n0.00%\n\nAPR for Balance Transfers\nAPR for Cash Advances\nPaying Interest\n\nMinimum Interest Charge\n\nIntroductory rate for (6) statement cycles after account opening.\n\n15.49%\n\nThis APR will vary with the market based on the Prime Rate.\n\n24.99%\n\nThis APR will vary with the market based on the Prime Rate.\nY our due date is at least 25 days after the close of each billing cycle. We will not charge you\ninterest on purchases if you pay your entire balance by the due date each month. We will begin\ncharging interest on cash advances and balance transfers on the transaction date.\nIf you are charged periodic interest, the charge will be no less than $1.50.\n\nFor Credit Card Tips from the Consumer To learn more about factors to consider when applying for or using a credit card, visit the website\nFinancial Protection Bureau\nof the Consumer Financial Protection Bureau at\nhttps://www.consumerfinance.gov/learnmore\n\nAnnual Fees\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 International Transaction\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over-the-Credit-Line\n\xe2\x80\xa2 Returned Payment\n\nNone\n\nFEES\n\nEither $10 or 4% of the amount of each transfer, whichever is greater.\nEither $10 or 4% of the amount of each transfer, whichever is greater.\n1 % of each transaction in U.S. dollars.\n\nUp to$35\n\nNONE\nUp to$35\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance". See your Card Regulations for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Regulations.\nLoss of Introductory APR: We may end your introductory APR and apply the Annual Percentage Rate for purchases if you make a late payment.\nHow We Will Calculate Your Variable APRs: The APR will be determined separately for each monthly statement and any increase or decrease\n\nwill take effect on the first day of the billing cycle in which the change occurs. The APR in effect for each billing cycle will be equal to the Prime\nRate plus 12.24 percentage points. "Prime Rate" means the highest Prime Rate published in the "Money Rates" table in the Wall Street Journal on\nthe 15th calendar day of each month, or if no rate is published on the 15th, then on the next succeeding calendar date on which a Prime Rate is\npublished. An increase in Prime Rate will increase the APR and the Monthly Periodic Rate applied to your account. The annual percentage rate\nand monthly periodic rate will not change more often than once per month. You can call 1-800-445-9272 for the current actual rate. Any increase\nor decrease in the annual percentage rate and the monthly periodic rate will cause the interest charge on your account to increase or decrease\naccordingly, and may cause your minimum payment due to increase or decrease.\nPrime Rate: Variable APRs are based on the 3.25% Prime Rate as of February 15, 2021.\nA: The initial monthly periodic rate applied to your account under the agreement will be 0.00% for six statement cycles after account opening.\nUpon completion of the sixth statement cycle the Monthly Periodic Rate applied to your account under this agreement is estimated to be 1.291 %.\nWe add 12.24% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate currently 1.291%).\nB: We add 21.74% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 2.083%).\nMilitary Lending APR: Effective October 1, 2017, Federal law provides important protections to members of the Armed Forces and their\ndependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her\ndependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The\ncosts associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee\ncharged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain\nparticipation fees for a credit card account).\n\n\x0cAnnual Percentage Rate(APR) for\nPurchases\n\nINTEREST RATE AND INTEREST CHARGES\n\n18.74%\n\nafter the introductory period.\nThis APR will vary with the market based on the Prime Rate.\n\n0.00%\n\nAPR for Balance Transfers\nAPR for Cash Advances\n\nIntroductory rate for (6) statement cycles after account opening.\n\n18.74%\n\nThis APR will vary with the market based on the Prime Rate.\n\n24.99%\n\nThis APR will vary with the market based on the Prime Rate.\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you\ninterest on purchases if you pay your entire balance by the due date each month. We will begin\ncharging interest on cash advances and balance transfers on the transaction date.\nMinimum Interest Charge\nIf you are charged periodic interest, the charge will be no less than $1.50.\nFor Credit Card Tips from the Consumer To learn more about factors to consider when applying for or using a credit card, visit the website\nof the Consumer Financial Protection Bureau at\nFinancial Protection Bureau\nhttps://www.consumerfinance.gov/learnmore\n\nPaying Interest\n\nAnnual Fees\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 International Transaction\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over-the-Credit-Line\n\xe2\x80\xa2 Returned Payment\n\nNone\n\nFEES\n\nEither $10 or 4% of the amount of each transfer, whichever is greater.\nEither $10 or 4% of the amount of each transfer, whichever is greater.\n1% of each transaction in U.S. dollars.\n\nUp to $35\nNONE\nUp to $35\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance". See your Card Regulations for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Regulations.\nLoss of Introductory APR: We may end your introductory APR and apply the Annual Percentage Rate for purchases if you make a late payment.\nHow We Will Calculate Your Variable APRs: The APR will be determined separately for each monthly statement and any increase or decrease\nwill take effect on the first day of the billing cycle in which the change occurs. The APR in effect for each billing cycle will be equal to the Prime\nRate plus 15.49 percentage points. "Prime Rate" means the highest Prime Rate published in the "Money Rates" table in the Wall Street Journal\non the 15th calendar day of each month, or if no rate is published on the 15th, then on the next succeeding calendar date on which a Prime Rate\nis published. An increase in Prime Rate will increase the APR and the Monthly Periodic Rate applied to your account. The annual percentage rate\nand monthly periodic rate will not change more often than once per month. You can call 1-800-445-9272 for the current actual rate. Any increase\nor decrease in the annual percentage rate and the monthly periodic rate will cause the interest charge on your account to increase or decrease\naccordingly, and may cause your minimum payment due to increase or decrease.\nPrime Rate: Variable APRs are based on the 3.25% Prime Rate as of February 15, 2021.\nA: The initial monthly periodic rate applied to your account under the agreement will be 0.00% for six statement cycles after account opening.\nUpon completion of the sixth statement cycle the Monthly Periodic Rate applied to your account under this agreement is estimated to be 1.562%.\nWe add 15.49% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate currently 1.562%).\nB: We add 21.74% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 2.083%).\nMilitary Lending APR: Effective October 1, 2017, Federal law provides important protections to members of the Armed Forces and their\ndependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her\ndependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account:\nThe costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee\ncharged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain\nparticipation fees for a credit card account).\n\n\x0cAnnual Percentage Rate(APR) for\nPurchases\n\nINTEREST RATE AND INTEREST CHARGES\n\n21.99%\n\nafter the introductory period.\nThis APR will vary with the market based on the Prime Rate.\n\n0.00%\n\nAPR for Balance Transfers\nAPR for Cash Advances\n\nIntroductory rate for (6) statement cycles after account opening.\n\n21.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\n24.99%\n\nThis APR will vary with the market based on the Prime Rate.\nPaying Interest\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you\ninterest on purchases if you pay your entire balance by the due date each month. We will begin\ncharQinQ interest on cash advances and balance transfers on the transaction date.\nMinimum Interest Charge\nIf you are charged periodic interest, the charge will be no less than $1.50.\nFor Credit Card Tips from the Consumer To learn more about factors to consider when applying for or using a credit card, visit the website\nFinancial Protection Bureau\nof the Consumer Financial Protection Bureau at\nhttps://www.consumerfinance.gov/learnmore\nAnnual Fees\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 International Transaction\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over-the-Credit-Line\nReturned Payment\n\n\xe2\x80\xa2\n\nNone\n\nFEES\n\nEither $10 or 4% of the amount of each transfer, whichever is greater.\nEither $10 or 4% of the amount of each transfer, whichever is greater.\n\n1% of each transaction in U.S. dollars.\nUp to$35\nNONE\nUp to $35\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance". See your Card Regulations for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Regulations.\nLoss of Introductory APR: We may end your introductory APR and apply the Annual Percentage Rate for purchases if you make a late payment.\nHow We Will Calculate Your Variable APRs: The APR will be determined separately for each monthly statement and any increase or\ndecrease will take effect on the first day of the billing cycle in which the change occurs. The APR in effect for each billing cycle will be equal to\nthe Prime Rate plus 18.74 percentage points. "Prime Rate" means the highest Prime Rate published in the "Money Rates" table in the Wall\nStreet Journal on the 15th calendar day of each month, or if no rate is published on the 15th, then on the next succeeding calendar date on\nwhich a Prime Rate is published. An increase in Prime Rate will increase the APR and the Monthly Periodic Rate applied to your account. The\nannual percentage rate and monthly periodic rate will not change more often than once per month. You can call 1-800-445-9272 for the current\nactual rate. Any increase or decrease in the annual percentage rate and the monthly periodic rate will cause the interest charge on your\naccount to increase or decrease accordingly, and may cause your minimum payment due to increase or decrease.\nPrime Rate: Variable APRs are based on the 3.25% Prime Rate as of February 15, 2021.\nA: The initial monthly periodic rate applied to your account under the agreement will be 0.00% for six statement cycles after account opening.\nUpon completion of the sixth statement cycle the Monthly Periodic Rate applied to your account under this agreement is estimated to be 1.833%.\nWe add 18.74% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate currently 1.833%).\nB: We add 21.74% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 2.083%).\nMilitary Lending APR: Effective October 1, 2017, Federal law provides important protections to members of the Armed Forces and their\ndependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her\ndependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account:\nThe costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee\ncharged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain\nparticipation fees for a credit card account).\n\n\x0cBankCard Services - Card Regulations\nOTHER FEES\n1. In the event a Cardholder shall request a replacement card for a lost or stolen card, a fee of\n$15.00 may be charged for each replacement card. This fee will not apply to cards issued as\nrenewal of expired cards.\n2. You will be charged $5.00 for each original or copied sales slip and duplicate statement you\nrequest. We will not charge you for duplicate documents in connection with a billing error notice\nor if our investigation indicates a billing error occurred.\n3. You will be charged $25.00 for each request for expedited (rush) delivery of a credit card. Such\nfee will cover both the creation of the credit card and delivery expense that is incurred.\n4. You will be charged $15.00 for each expedited payment request. Expedited payment requests\ncan be made by telephone via live customer service agent from your checking or savings\naccount. Any incoming request will be recorded. Expedited telephone payment requests can be\nmade 24x7.\nCARDHOLDER AGREEMENT\nThe MASTERCARD card(s) (hereinafter called Card) enclosed herein is issued by THE\nCENTRAL TRUST BANK, Jefferson City, Missouri who is the Creditor (hereinafter called Bank)\nof the person(s) named on the enclosed card(s) (hereinafter called Cardholder) and by the\nCardholder signing or using the enclosed card(s), or by using the account number stated on\nthe enclosed form, agrees with Bank to all of the following terms and conditions and any future\namendments:\n1. This Card shall remain the property of Bank and shall be surrendered upon Bank\xe2\x80\x99s request.\n2. Cardholder assumes responsibility for all credit extended through the use of this Card.\nCardholders issued the same account number, jointly and severally assume responsibility to\nrepay all amounts incurred through the use of the account number and applicable interest\ncharges, and for credit insurance premiums, if authorized by Cardholder.\n3. Cardholder agrees not to incur charges which will result in credit in excess of the credit limit\nspeci\xef\xac\x81cally authorized by Bank. Charges in excess of the credit limit agreed to by Bank are not\npermitted and are in breach of the agreement and will be considered fraud. Notwithstanding any\nlanguage or \xef\xac\x81gures to the contrary, the Bank shall have the absolute right to require immediate\npayment of the entire outstanding balance in excess of the credit limit.\n4. The use of this account for payment of any illegal purchase is strictly prohibited (ie internet\ngambling, betting or lottery tickets).\n5. Cardholder agrees to pay, at such place as Bank designates and in accordance with billings\nand the current customer payment schedule, amounts incurred through the use of this Card and\nall applicable interest charges as determined by the applicable method of determination in effect\nat the time of their assessment.\n6. In case this Card is lost or stolen, Cardholder agrees to promptly notify Bank by telephone\nand to immediately con\xef\xac\x81rm such notice in writing. The Cardholder shall have no liability for\nunauthorized use of the Card.\n7. This Card, and the privileges thereunder, may be canceled at any time without notice.\n8. In addition to Bank\xe2\x80\x99s agreement to extend credit to Cardholder for charges, credit checks and\ncash advances up to Cardholder\xe2\x80\x99s credit limit, as set forth above, Bank further agrees to extend\ncredit to Cardholder for advance amounts and to pay for credit insurance premiums, if authorized\nby Cardholder and offered by Bank up to Cardholder\xe2\x80\x99s credit limit.\n9. Bank shall have no responsibility for any merchandise purchased or services rendered to\nCardholder through the use of Cardholder\xe2\x80\x99s Card(s), except as shall be required by law, and any\nCardholder agrees to \xef\xac\x81rst assert any claims or defenses regarding any merchandise or services\nso purchased against the seller. Bank shall not be responsible by reason of anyone\xe2\x80\x99s refusal to\nhonor Cardholder\xe2\x80\x99s Card(s).\n10. This Card is not transferable.\n11. The absence of Cardholder\xe2\x80\x99s signature will not relieve Cardholder from liability for charges\nincurred through the use of this Card.\n12. Use of Card after notice of its revocation is fraudulent and subjects the user to legal\nproceedings.\n13. Bank will not make cash refunds on charges incurred with this Card.\n14. (a) No interest charge will be imposed on any purchases (excluding cash advances) made\nduring the billing cycle covered by a monthly billing statement if the new balance is paid in full by\nthe payment due date shown on such statement and if the new balance on the monthly billing\nstatement immediately preceding such statement was paid in full by its payment due date. If the\nnew balance on the monthly billing statement immediately preceding the current monthly billing\nstatement was not paid in full by its payment due date, or if the new balance on the current\nmonthly billing statement is not paid in full by the payment due date, an interest charge will be\nimposed on Cardholder\xe2\x80\x99s account. Interest charges will be applied on the next statement date\nfor any monthly billing statement that interest charges are imposed. Interest charges will be\ncalculated according to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d method (paragraph 14(b)). Interest charges\nbegin to accrue on cash advances as of the date of the advance. Interest charges begin to\naccrue on credit checks and credit life insurance premiums on the day they are posted to the\naccount. Interest charges begin to accrue on purchases as of the transaction date.\n14. (b) If an interest charge is imposed on Cardholder\xe2\x80\x99s account, Bank will compute the interest\ncharge on Cardholder\xe2\x80\x99s account by applying the monthly \xe2\x80\x9cperiodic rate\xe2\x80\x9d to the \xe2\x80\x9caverage daily\nbalance\xe2\x80\x9d of Cardholder\xe2\x80\x99s account (excluding current transactions). To get the \xe2\x80\x9caverage daily\nbalance,\xe2\x80\x9d Bank will take the beginning balance of the account each day and add any new\npurchases (if subject to interest charges as explained above), cash advances (including credit\nchecks) and credit life insurance premiums and subtract any payments or credits and unpaid\ninterest charges. This gives Bank the daily balance. Then, Bank adds up all the daily balances\nfor the billing cycle and divides the total by the number of days in the billing cycle. This gives\nBank the \xe2\x80\x9caverage daily balance.\xe2\x80\x9d\n15. The rate of exchange between the transaction currency and the billable currency used for\nthe processing of International MASTERCARD transactions is the (I) wholesale market rate or\n(II) government-mandated rate, in effect one day prior to the processing date, increased by 1\n\npercent (or the applicable percentage as determined by the Issuer\xe2\x80\x99s selected options).\n16. Bank can change any of the terms of this Agreement (including the periodic rates used to\ncompute the interest charge) at any time. The new terms will apply both to new purchases and\nadvances, and to the outstanding balance on your account. We will mail you written notice of any\nchange at least 45 days before the start of the billing cycle when the change will take place.\n17. NOTICE REGARDING INACCURATE INFORMATION -As a participant in the consumer\nreporting system, we furnish information about our experience with you to consumer reporting\nagencies. These consumer reports allow us to make credit and other opportunities available to\nyou. If you believe that we have furnished information to a consumer reporting agency that is\ninaccurate, please notify us at the following address and identify the speci\xef\xac\x81c information that\nis inaccurate: The Central Trust Bank, 238 Madison, Jefferson City, Missouri 65101, Attention:\nBankCard Services.\n18. It shall be an \xe2\x80\x9cEvent of Default\xe2\x80\x9d under this Agreement if: (a) Cardholder fails to make any\npayments of billings when due, including without limitation amounts incurred through the use\nof the Card and applicable interest charges; (b) Cardholder incurs charges by use of the Card\nin excess of the credit limit speci\xef\xac\x81cally authorized by Bank; (c) Cardholder dies or becomes\nbankrupt or insolvent; (d) garnishment or attachment proceedings are instituted against\nCardholder; or (e) Cardholder fails to pay or perform any other obligations, agreements, or\nconditions provided in this agreement.\n19. Upon the occurrence of an \xe2\x80\x9cEvent of Default\xe2\x80\x9d, Bank may, at its option; (a) immediately\ndemand payment in full of all obligations of Cardholder arising out of or in any way related to the\nCard; (b) set off any obligations of Cardholder against any right of Cardholder to the payment of\nmoney from Bank; (c) exercise any and all remedies available to Bank at law, in equity, or under\nthis agreement. By choosing any one of the forgoing remedies, Bank does not waive its right to\nsubsequent use of another remedy. Bank does not waive an \xe2\x80\x9cEvent of Default\xe2\x80\x9d if Bank does not\nchoose to use any remedy, and, by electing not to use any remedy, Bank does not waive its right\nto later declare an \xe2\x80\x9cEvent of Default\xe2\x80\x9d and to use any remedies available to Bank. Bank shall be\nentitled to the reasonable costs of collection, including but not limited to reasonable attorney fees\nfor attorneys who are not Bank employees.\n20. Any notice, demand or request by Bank to Cardholder, shall be in writing and shall be\ndeemed to have been duly given or made if mailed to address set forth in Cardholder\xe2\x80\x99s credit\ncard application, or to such other address as Cardholder may hereafter designate to Bank.\nMONITORING AND RECORDING TELEPHONE CALLS AND CONSENT TO RECEIVE\nCOMMUNICATIONS\nWe may monitor or record phone calls for security reasons, to maintain a record and to ensure\nthat you receive courteous and ef\xef\xac\x81cient service. You consent in advance to any such recording.\nWe need not remind you of our recording before each phone conversation.\nTo provide you with the best possible service in our ongoing business relationship for your\naccount we may need to contact you about your account from time to time by telephone, text\nmessaging or email. However, we must \xef\xac\x81rst obtain your consent to contact you about your\naccount because we must comply with the consumer protection provisions in the federal\nTelephone Consumer Protection Act of 1991 (TCPA), CAN-SPAM Act and their related federal\nregulations and orders issued by the Federal Communications Commission (FCC).\n\xe2\x80\xa2 Your consent is limited to this account, and as authorized by applicable law and regulations.\n\xe2\x80\xa2 Your consent does not authorize us to contact you for telemarketing purposes (unless you\notherwise agree elsewhere).\nWith the above understandings, you authorize us to contact you regarding this account\nthroughout its existence using any telephone numbers or email addresses that you have\npreviously provided to us or that you may subsequently provide to us.\nThis consent is regardless of whether the number we use to contact you is assigned to a\nlandline, a paging service, a cellular wireless service, a specialized mobile radio service, other\nradio common carrier service or any other service for which you may be charged for the call.\nYou further authorize us to contact you through the use of voice, voice mail, and text messaging,\nincluding the use of pre-recorded or arti\xef\xac\x81cial voice messages and an automated dialing device.\nIf necessary, you may change or remove any of the telephone numbers or email addresses at\nany time using any reasonable means to notify us.\nBank Initiated Alerts\nAlerts will be provided Free to End User (FTEU). Messaging Frequency Varies.\nYou can cancel this service at any time. Just text \xe2\x80\x9cSTOP\xe2\x80\x9d to 47450. After you send the message\n\xe2\x80\x9cSTOP\xe2\x80\x9d to us, we will send you a reply message to con\xef\xac\x81rm that you have been unsubscribed.\nAfter this, you will no longer receive messages from us.\nIf at any time you forget what keywords are supported, just text \xe2\x80\x9cHELP\xe2\x80\x9d to 47450. After you send\nthe message \xe2\x80\x9cHELP\xe2\x80\x9d to us, we will respond with instructions on how to use our service as well\nas how to unsubscribe.\nParticipating Carriers: AT&T, Boost Mobile, MetroPCS, Sprint, T-Mobile\xc2\xae, Verizon Wireless,\nVirgin Mobile USA.\nCustomer Initiated Alerts\nWhen you opt-in to the service, we will send you a message to con\xef\xac\x81rm your signup. Message\nand data rates may apply. Messaging Frequency Varies.\nYou can cancel this service at any time. Just text \xe2\x80\x9cSTOP\xe2\x80\x9d to 87300 or 83318. After you send\nthe message \xe2\x80\x9cSTOP\xe2\x80\x9d to us, we will send you a reply message to con\xef\xac\x81rm that you have been\nunsubscribed. After this, you will no longer receive messages from us.\nIf at any time you forget what keywords are supported, just text \xe2\x80\x9cHELP\xe2\x80\x9d to 87300 or 83318. After\nyou send the message \xe2\x80\x9cHELP\xe2\x80\x9d to us, we will respond with instructions on how to use our service\nas well as how to unsubscribe.\nParticipating Carriers: AT&T, Boost Mobile, MetroPCS, Sprint, T-Mobile\xc2\xae, Verizon Wireless,\nVirgin Mobile USA.\n\n\x0cAdding Your Mastercard To A Mobile Wallet\nWhen you opt-in to this service we will send you a message to con\xef\xac\x81rm your signup. Message\nand data rates may apply. Messaging Frequency Varies.\nYou can cancel this service at any time. Just text \xe2\x80\x9cSTOP\xe2\x80\x9d to 87300. After you send the message\n\xe2\x80\x9cSTOP\xe2\x80\x9d to us, we will send you a reply message to con\xef\xac\x81rm that you have been unsubscribed.\nAfter this, you will no longer receive messages from us.\nIf at any time you forget what keywords are supported, just text \xe2\x80\x9cHELP\xe2\x80\x9d to 87300. After you send\nthe message \xe2\x80\x9cHELP\xe2\x80\x9d to us, we will respond with instructions on how to use our service as well\nas how to unsubscribe.\nParticipating carriers: AT&T, C-Spire (Cellular South), Carolina West Wireless, Cellcom,\nClearSky, Google Voice, Interop, nTelos, Sprint/Boost, T-Mobile/Metro PCS, U.S. Cellullar,\nVerizon Wireless, and Virgin Mobile.\nT-Mobile is not liable for delayed or undelivered messages.\nAs always, message and data rates may apply for any messages sent to you from us and to us\nfrom you. If you have any questions about your text plan or data plan, it is best to contact your\nwireless provider.\nYOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT\nIf you think there is an error on your statement, write to us at: The Central Trust Bank,\nAttn: BankCard Services, PO Box 779, Jefferson City, MO 65102.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop\npayment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not\nrequired to investigate any potential errors and you may have to pay the amount in question.\nWHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will\nalso tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why\nwe believe the bill is correct.\n\nAfter we \xef\xac\x81nish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other\nfees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along\nwith applicable interest and fees.\nWe will send you a statement of the amount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the amount we think you owe. If you receive our\nexplanation but still believe your bill is wrong, you must write to us within 10 days telling us that\nyou still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that\nyou are questioning your bill. We must tell you the name of anyone to whom we reported you as\ndelinquent, and we must let those organizations know when the matter has been settled between\nus.\nIf we do not follow all of the rules above, you do not have to pay the \xef\xac\x81rst $50 of the amount you\nquestion even if your bill is correct.\nYOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES\nIf you are dissatis\xef\xac\x81ed with the goods or services that you have purchased with your credit card,\nand you have tried in good faith to correct the problem with the merchant, you may have the right\nnot to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current\nmailing address, and the purchase price must have been more than $50. (Note: Neither of these\nare necessary if your purchase was based on an advertisement we mailed to you, or if we own\nthe company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances\nfrom an ATM or with a check that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatis\xef\xac\x81ed with the purchase, contact us in\nwriting at: The Central Trust Bank, Attn: BankCard Services, PO Box 779, Jefferson City MO\n65102.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we\n\xef\xac\x81nish our investigation, we will tell you our decision. At that point, if we think you owe an amount\nand you do not pay, we may report you as delinquent.\nOther Important Information\nLost and Stolen (24 hrs.): (866) 756-7863\nCustomer Service (24 hrs.): (877) 907-7478\nPast Due Accounts: (800) 626-8010\nView account activity or sign up for electronic statement: www.centralbank.net\n\n\x0c'