Annual Percentage 
Purchases 

Rate(APR) 

for 

RATE AND INTEREST 

CHARGES 

INTEREST 
17.99%
This APR will varv with the market 

based on the Prime Rate. 

APR for Balance 

Transfers 17.99%

This APR will vary with the market 

based on the Prime Rate. 

APR for Cash Advances  24.99%

Paying Interest 

Minimum 
For Credit 
Financial 

Interest 
Charge 
Card Tips from the 
Protection 

Consumer 
Bureau  website 

based on the Prime Rate. 

This APR will vary with the market 
Your due date is at least 25 days after 
interest 
on purchases 
We will begin charging 
If you are charged 
periodic 
To learn more about factors 

if you pay your entire 
interest 

on cash advances 
the charge 
to consider 

interest, 

balance 

the close of each billing 

cycle. 
by the due date each month. 

We will not charge 

you any 

and balance 

transfers 

on the transaction 

date. 

will be no less than $1.50. 

when applying 

for or using a credit 

the 
card, visit 

of the Consumer 

Financial 

at 
Protection Bureau 

htt�://www.consumerfinance.gov/learnmore 

Annual Fees 

$25 

FEES 

Fees 
Transfer

Transaction 
•Balance 
•Cash Advance
•Foreign 
Fees
Penalty 
Fees 
•Late Payment
Up to $35 
•Over-the-Credit-Line
NONE 
•Returned 
Up to $35 

Payment

Either 
Either 

$10 or 4% of the amount of each transfer, whichever 
$10 or 4% of the amount of each transfer, 

is greater. 
is greater. 

whichever 

. 
3% of each transaction 

in U.S. dollars 

We use a method called "average daily balance". See your Card Regulations 

for more details. 

separately 

in your Card Regulations. 

those rights is provided 
for each monthly 
and any increase 
The APR in effect for each billing cycle will be 
Rate published in the "Money Rates" 

statement 

or 

"Prime Rate" means the highest Prime 

day of each month, or if no rate is published on the 15th, then on the next 

and how to exercise 

cycle in which the change occurs. 

Rights: 

to dispute 

on the 15th calendar 

calendar 
Rate applied 

transactions 
APRs: The APR will be determined 

date on which a Prime Rate is published. 
The annual percentage 
to your account. 

Your Balance: 
on your rights 
Your Variable 
will take effect on the first day of the billing 
points. 

How We Will Calculate 
Information 
Billing 
How We Will Calculate 
decrease 
equal to the Prime Rate plus 14.74 percentage 
table in the Wall Street Journal 
succeeding 
Periodic 
month. You can call 1-800-445-9272 
periodic rate will cause the interest charge on your account 
payment 
Prime Rate: Variable 
A: We add 14.74% to the Prime Rate to determine the Purchase/Balance 
B: We add 21.74% to 
Lending APR: Effective 
Military 
their dependents 
relating 
and his or her dependent 
transaction or account: 
transaction; 
credit 
participation 

An increase 
rate and monthly 
rate. Any increase 

any application fee charged 
than certain 

to extensions 
of consumer 
may not exceed an annual 

(other than certain 
participation 

credit. 
percentage 

law provides 
In general, 

the Prime Rate to determine the Cash Advance 

The costs associated 

rate of 36 percent. 

fee charged (other 

due to increase 

1, 2017, Federal 

or decrease. 

fees for a credit 

for the current 

to increase 

with credit 

October 

card account). 

actual 

APR (monthly 
important 

APRs are based on the 3.25% Prime Rate as of November 15, 2020.

Transfer APR (monthly 

rate currently 1.499%). 

periodic 
rate currently 2.083%). 

periodic 

and 
protections to members of the Armed Forces 

the cost of consumer 

credit 

to a member of the Armed Forces 

insurance premiums; fees for ancillary 
fees for specified 
application 

products 
credit 

transactions 

or accounts); 

and any 

This rate must include, as applicable 
with the 
sold in connection 

to the credit 

in Prime Rate will increase 
rate will not 
in the annual percentage 

periodic 
or decrease 

change more 

often than once per 
rate and the monthly 

the APR and the Monthly 

or decrease 

accordingly, 

and may cause your minimum 

BankCard Services - Card Regulations

processing of International MASTERCARD transactions is the (I) wholesale market rate or (II) 
government-mandated rate, in effect one day prior to the processing date, increased by 1 percent 
(or the applicable percentage as determined by the Issuer’s selected options). For each purchase 
made in a foreign currency we will add an additional interest charge of 3% of the purchase 
amount after it is converted into U.S. Dollars.
16. Bank can change any of the terms of this Agreement (including the periodic rates used to 
compute the interest charge) at any time. The new terms will apply both to new purchases and 
advances. We will mail you written notice of any change at least 45 days before the start of the 
billing cycle when the change will take place.
17. NOTICE REGARDING INACCURATE INFORMATION-As a participant in the consumer 
reporting system, we furnish information about our experience with you to consumer reporting 
agencies. These consumer reports allow us to make credit and other opportunities available to 
you. If you believe that we have furnished information to a consumer reporting agency that is 
inaccurate, please notify us at the following address and identify the specific information that 
is inaccurate: The Central Trust Bank, 238 Madison, Jefferson City, Missouri 65101, Attention: 
BankCard Services.
18. It shall be an “Event of Default” under this Agreement if: (a) Cardholder fails to make any 
payments of billings when due, including without limitation amounts incurred through the use 
of the Card and applicable interest charges; (b) Cardholder incurs charges by use of the Card 
in excess of the credit limit specifically authorized by Bank; (c) Cardholder dies or becomes 
bankrupt or insolvent; (d) garnishment or attachment proceedings are instituted against 
Cardholder; or (e)Cardholder fails to pay or perform any other obligations, agreements, or 
conditions provided in this agreement.
19. Upon the occurrence of an “Event of Default”, Bank may, at its option; (a) immediately 
demand payment in full of all obligations of Cardholder arising out of or in any way related to the 
Card; (b) set off any obligations of Cardholder against any right of Cardholder to the payment of 
money from Bank; (c)exercise any and all remedies available to Bank at law, in equity, or under 
this agreement. By choosing any one of the forgoing remedies, Bank does not waive its right to 
subsequent use of another remedy. Bank does not waive an “Event of Default” if Bank does not 
choose to use any remedy, and, by electing not to use any remedy, Bank does not waive its right 
to later declare an“Event of Default” and to use any remedies available to Bank. Bank shall be 
entitled to the reasonable costs of collection, including but not limited to reasonable attorney fees 
for attorneys who are not Bank employees.
20. Any notice, demand or request by Bank to Cardholder, shall be in writing and shall be 
deemed to have been duly given or made if mailed to address set forth in Cardholder’s credit 
card application, or to such other address as Cardholder may hereafter designate to Bank.

OTHER FEES
1. In the event a Cardholder shall request a replacement card for a lost or stolen card, a fee of 
$15.00 may be charged for each replacement card. This fee will not apply to cards issued as 
renewal of expired cards.
2. You will be charged $5.00 for each original or copied sales slip and duplicate statement you 
request. We will not charge you for duplicate documents in connection with a billing error notice 
or if our investigation indicates a billing error occurred.
3. You will be charged $25.00 for each request for expedited (rush) delivery of a credit card. Such 
fee will cover both the creation of the credit card and delivery expense that is incurred.
4. You will be charged $15.00 for each expedited payment request. Expedited payment request 
can be made by telephone via live customer service agent from your checking or savings 
account. Any incoming request will be recorded. Expedited telephone payments request can be 
made during normal business hours; Monday thru Friday 8:00am to 5:00pm Central Standard 
Time.
5. Annual Fees: The Annual Fee of $25 will be assessed annually on the month in which the 
account was opened.
CARDHOLDER AGREEMENT
The MASTERCARD card (hereinafter called Card) enclosed herein is issued by THE 
CENTRALTRUST BANK, Jefferson City, Missouri who is the Creditor (hereinafter called Bank) 
of the person(s) named on the enclosed card(s) (hereinafter called Cardholder) and by the 
Cardholder signing or using the enclosed card(s), or by using the account number stated on the 
enclosed form, agrees with Bank to all of the following terms and conditions:
1. This Card shall remain the property of Bank and shall be surrendered upon Bank’s request.
2.  Cardholder assumes responsibility for all credit extended through the use of this Card. 
Cardholders issued the same account number, jointly and severally assume responsibility to 
repay all amounts incurred through the use of the account number and applicable interest 
charges, and for credit insurance premiums, if authorized by Cardholder.
3.  Cardholder agrees not to incur charges which will result in credit in excess of the credit limit 
specifically authorized by Bank. Charges in excess of the credit limit agreed to by Bank are not 
permitted and are in breach of the agreement and will be considered fraud. Notwithstanding any 
language or figures to the contrary, the Bank shall have the absolute right to require immediate 
payment of the entire outstanding balance in excess of the credit limit.
4. The use of this account for payment of any illegal purchase is strictly prohibited (ie internet 
gambling, betting or lottery tickets).
5.  Cardholder agrees to pay, at such place as Bank designates and in accordance with billings 
and the current customer payment schedule, amounts incurred through the use of this Card and 
all applicable interest charges as determined by the applicable method of determination in effect 
at the time of their assessment.
6.  In case this Card is lost or stolen, Cardholder agrees to promptly notify Bank by telephone and 
to immediately confirm such notice in writing. The Cardholder shall have no liability for 
unauthorized use of the Card.
7. This Card, and the privileges thereunder, may be canceled at any time without notice.
8.  In addition to Bank’s agreement to extend credit to Cardholder for charges, credit checks and 
cash advances up to Cardholder’s credit limit, as set forth above, Bank further agrees to extend 
credit to Cardholder for advance amounts and to pay for credit insurance premiums, if authorized 
by Cardholder and offered by Bank up to Cardholder’s credit limit.
9.  Bank shall have no responsibility for any merchandise purchased or services rendered to 
Cardholder through the use of Cardholder’s Card(s), except as shall be required by law, and any 
Cardholder agrees to first assert any claims or defenses regarding any merchandise or services 
so purchased against the seller. Bank shall not be responsible by reason of anyone’s refusal to 
honor Cardholder’s Card(s).
10.
11.
charges incurred through the use of this Card.
12.
proceedings.
13.
14.
made during the billing cycle covered by a monthly billing statement if the new balance is paid in 
full by the payment due date shown on such statement and if the new balance on the monthly 
billing statement immediately preceding such statement was paid in full by its payment due date. 
If the new balance on the monthly billing statement immediately preceding the current monthly 
billing statement was not paid in full by its payment due date, or if the new balance on the current 
monthly billing statement is not paid in full by the payment due date, an interest charge will be 
imposed on Cardholder’s account. Interest charges will be applied on the next statement date for 
any monthly billing statement that interest charges are imposed. Interest charges will be 
calculated according to the “average daily balance” method (paragraph 14(b)). Interest charges 
begin to accrue on cash advances and balance transfers as of the date of the advance. Interest 
charges begin to accrue on credit checks and credit life insurance premiums on the day they are 
posted to the account. Interest charges begin to accrue on purchases as of the transaction date. 
14.(b) If an interest charge is imposed on Cardholder’s account, Bank will compute the interest 
charge on Cardholder’s account by applying the monthly “periodic rate” to the “average daily 
balance” of Cardholder’s account (excluding new purchases). To get the “average daily balance,” 
Bank will take the beginning balance of the account each day and add any new purchases (if 
subject to interest charges as explained above), cash advances (including credit checks) and 
credit life insurance premiums and subtract any payments or credits and unpaid interest charges. 
This gives Bank the daily balance. Then, Bank adds up all the daily balances for the billing cycle 
and divides the total by the number of days in the billing cycle. This gives Bank the “average daily 
balance.”
15.
the 

 Bank will not make cash refunds on charges incurred with this Card.
 (a) No interest charge will be imposed on any purchases (excluding cash advances) 

This Card is not transferable.
The absence of Cardholder’s signature will not relieve Cardholder from liability for 

The rate of exchange between the transaction currency and the billable currency used for 

 Use of Card after notice of its revocation is fraudulent and subjects the user to legal 

YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT
If you think there is an error on your statement, write to us at: The Central Trust Bank, Attn: 
BankCard Services, PO Box 779, Jefferson City MO 65102. You may also contact us on the web: 
www.bankcardcenter.net
In your letter, give us the following information:
• Account information: Your name and account number
• Dollar amount: The dollar amount of the suspected error.
• Description of problem: If you think there is an error on your bill, describe what you believe is 
wrong and why you believe it is a mistake.
You must contact us:
• Within 60 days after the error appeared on your statement
•At least 3 business days before an automated payment is scheduled, if you want to stop 
payment on the amount you think is wrong. You must notify us of any potential errors in writing 
[or electronically]. You may call us, but if you do we are not required to investigate any potential 
errors and you may have to pay the amount in question.
WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER
When we receive your letter, we must do two things:
1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will 
also tell you if we have already corrected the error.
2. Within 90 days of receiving your letter, we must either correct the error or explain to you why 
we believe the bill is correct. While we investigate whether or not there has been an error:
• We cannot try to collect the amount in question, or report you as delinquent on that amount.
•The charge in question may remain on your statement, and we may continue to charge you 
interest on that amount.
• While you do not have to pay the amount in question, you are responsible for the remainder of 
your balance.
• We can apply any unpaid amount against your credit limit. After we finish our investigation, one 
of two things will happen:
•If we made a mistake: You will not have to pay the amount in question or any interest or other 
fees related to that amount.
•If we do not believe there was a mistake: You will have to pay the amount in question, along with 
applicable interest and fees.

We will send you a statement of the amount you owe and the date payment is due. We may then 
report you as delinquent if you do not pay the amount we think you owe.
If you receive our explanation but still believe your bill is wrong, you must write to us within 10 
days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without 
also reporting that you are questioning your bill. We must tell you the name of anyone to whom 
we reported you as delinquent, and we must let those organizations know when the matter has 
been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you 
question even if your bill is correct.
YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES
If you are dissatisfied with the goods or services that you have purchased with your credit card, 
and you have tried in good faith to correct the problem with the merchant, you may have the right 
not to pay the remaining amount due on the purchase.
To use this right, all of the following must be true:
1. The purchase must have been made in your home state or within 100 miles of your current 
mailing address, and the purchase price must have been more than $50. (Note: Neither of these 
are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
the company that sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made with cash advances 
from an ATM or with a check that accesses your credit card account do not qualify.
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us 
in writing[or electronically] at: The Central Trust Bank, Attn: BankCard Services, PO Box 779, 
Jefferson City MO 65102. You may also contact us on the web: www.bankcardcenter.net.
While we investigate, the same rules apply to the disputed amount as discussed above. After we 
finish our investigation, we will tell you our decision. At that point, if we think you owe an amount 
and you do not pay, we may report you as delinquent.
Other Important Information
Lost and Stolen (24 hrs.): (800) 445-9272
Customer Service (24 hrs.): (800) 445-9272
Past Due Accounts: (800) 626-8010
View account activity or sign up for electronic statement: bankcardcenter.net