INTEREST RATE AND INTEREST CHARGES 

Annual Percentage Rate (APR) for 
Purchases 

12.99% 

after the introductory period. 
This APR will vary with the market based on the Prime Rate. 
0.00% 

Introductory rate for (6) statement cycles after account opening. 

APR for Balance Transfers 

12.99% 

This APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

25.74% 

Paying Interest 

This APR will vary with the market based on the Prime Rate. 
Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on 
purchases if you pay your entire balance by the due date each month. We will begin charging interest on 
cash advances and balance transfers on the transaction date. 

Minimum  Interest  Charge 

If you are charged periodic interest, the charge will be no less than $1.50. 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

To learn more about factors to consider when applying for or using a credit card, visit the website of the 
Consumer Financial Protection Bureau at 
www.consumerfinance.gov/learnmore 

Annual Fees 

Transaction Fees 

•  Balance Transfer 
•  Cash Advance 
•  International  Transaction 

Penalty Fees 

•  Late Payment 
•  Over-the-Credit-Line 
•  Returned Payment 

FEES 

NONE 

Either $10 or 4% of the amount of each transfer, whichever is greater. 

Either $10 or 4% of the amount of each transfer, whichever is greater. 
3% of each transaction in U.S. dollars. 

Up to $35 

NONE 
Up to $35 

How We Will Calculate Your Balance: We use a method called "average daily balance". See your Card Regulations for more details. 
Billing  Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Regulations. 
Loss of Introductory APR: We may end your introductory APR and apply the Annual Percentage Rate for purchases if you make a late payment. 
How We Will Calculate Your Variable APRs:  The APR will be determined separately for each monthly statement and any increase or decrease 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 the Prime Rate plus 8.99 
percentage points. "Prime Rate" means the highest Prime Rate published in the "Money Rates" table in the Wall Street 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 which a Prime Rate is published. An increase in Prime Rate will 
increase the APR and the Monthly Periodic Rate applied to your account. The annual 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 actual rate. Any increase or decrease in the annual percentage rate and the monthly periodic rate 
will cause the interest charge on your account to increase or decrease accordingly, and may cause your minimum payment due to increase or decrease. 
Prime Rate: Variable APRs are based on the 4.00% Prime Rate as of May 15, 2022. 
A: The initial monthly periodic rate applied to your account under the agreement will be 0.00% for six statement cycles after account opening. Upon 
completion of the sixth statement cycle the Monthly Periodic Rate applied to your account under this agreement is estimated to be 1.0825%. We add 8.99% to 
the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate currently 1.0825%). 
B:  We add 21.74% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 2.145%). 
Military Lending APR: Effective October 1, 2017, Federal law provides important protections to members of the Armed Forces and their dependents 
relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed 
an annual percentage rate of 36 percent. This rate must include,  as applicable to the credit transaction or account: The costs associated with credit insurance 
premiums; fees for ancillary products sold in connection with the credit transaction; any application fee  charged (other than certain application fees for specified 
credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). 

INTEREST RATE AND INTEREST CHARGES 

Annual Percentage Rate (APR) for 
Purchases 

16.24% 

after the introductory period. 
This APR will vary with the market based on the Prime Rate. 
0.00% 

Introductory rate for (6) statement cycles after account opening. 

APR for Balance Transfers 

16.24% 

This APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

25.74% 

Paying Interest 

This APR will vary with the market based on the Prime Rate. 
Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on 
purchases if you pay your entire balance by the due date each month. We will begin charging interest on 
cash advances and balance transfers on the transaction date. 

Minimum  Interest  Charge 

If you are charged periodic interest, the charge will be no less than $1.50. 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

To learn more about factors to consider when applying for or using a credit card, visit the website of the 
Consumer Financial Protection Bureau at 
www.consumerfinance.gov/learnmore 

Annual Fees 

Transaction Fees 

•  Balance Transfer 
•  Cash Advance 
•  International  Transaction 

Penalty Fees 

•  Late Payment 
•  Over-the-Credit-Line 
•  Returned Payment 

FEES 

NONE 

Either $10 or 4% of the amount of each transfer, whichever is greater. 

Either $10 or 4% of the amount of each transfer, whichever is greater. 
3% of each transaction in U.S. dollars. 

Up to $35 

NONE 
Up to $35 

How We Will Calculate Your Balance: We use a method called "average daily balance". See your Card Regulations for more details. 
Billing  Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your  Card  Regulations. 
Loss of Introductory APR: We may end your introductory APR and apply the Annual Percentage Rate for purchases if you make a late payment. 
How We  Will Calculate Your Variable APRs:  The APR will be determined separately for each monthly statement and any increase or decrease 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 the Prime Rate plus 12.24 
percentage points. "Prime Rate" means the highest Prime Rate published in the "Money Rates" table in the Wall Street 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 which a Prime Rate is published. An increase in Prime Rate will 
increase the APR and the Monthly Periodic Rate applied to your account. The annual 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 actual rate. Any increase or decrease in the annual percentage rate and the monthly periodic rate 
will cause the interest charge on your account to increase or decrease accordingly, and may cause your minimum payment due to increase or decrease. 
Prime Rate: Variable APRs are based on the 4.00% Prime Rate as of May 15, 2022. 
A: The initial monthly periodic rate applied to your account under the agreement will be 0.00% for six statement cycles after account opening. Upon completion 
of the sixth statement cycle the Monthly Periodic Rate applied to your account under this agreement is estimated to be 1.353%. We add 12.24% to the Prime 
Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate currently 1.353%). 
B: We add 21.74% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 2.145%). 
Military Lending APR:  Effective October 1, 2017, Federal law provides important protections to members of the Armed Forces and their dependents relating 
to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual 
percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; 
fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit 
transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). 

 
INTEREST RATE AND INTEREST CHARGES 

Annual Percentage Rate (APR) for 
Purchases 

19.49% 

after the introductory period. 
This APR will vary with the market based on the Prime  Rate. 

0.00% 

Introductory rate for  (6) statement cycles after account opening. 

APR for Balance Transfers 

19.49% 

This APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

25.74% 

Paying Interest 

Minimum Interest Charge 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

This APR will vary with the market based on the Prime Rate. 
Your due date is at least 25 days after the close of  each billing cycle. We will not 
charge you interest on purchases if you pay your entire balance by the due date each 
month. We will begin charging interest on cash advances and balance transfers on the 
transaction date. 
If you are charged periodic interest, the charge will be no less  than $1.50. 

To learn more about factors to consider when applying for or using a credit card,  visit 
the website of the Consumer Financial Protection Bureau at 
www.consumerfinance.gov/learnmore 

Annual Fees 

Transaction Fees 

•  Balance Transfer 
•  Cash Advance 
•  International Transaction 

Penalty Fees 

•  Late Payment 
•  Over-the-Credit-Line 
•  Returned Payment 

FEES 

NONE 

Either $10 or 4% of the amount of each transfer, whichever is greater. 

Either $10 or 4% of the amount of each transfer, whichever is greater. 

3% of each transaction in U.S. dollars. 

Up to $35  

NONE 
Up to $35 

How We Will Calculate Your Balance: We use a method called "average daily balance". See your Card Regulations for more details. 
Billing  Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your  Card  Regulations. 
Loss of Introductory APR: We may end your introductory APR and apply the Annual Percentage Rate for purchases if you make a late payment. 
How We  Will Calculate Your Variable APRs:  The APR will be determined separately for each monthly statement and any increase or decrease 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 the Prime Rate plus 15.49 
percentage points. "Prime Rate" means the highest Prime Rate published in the "Money Rates" table in the Wall Street 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 which a Prime Rate is published. An increase in Prime Rate 
will increase the APR and the Monthly Periodic Rate applied to your account. The annual 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 actual rate. Any increase or decrease in the annual percentage rate and the monthly periodic 
rate will cause the interest charge on your account to increase or decrease accordingly, and may cause your minimum payment due to increase or decrease. 
Prime Rate: Variable APRs are based on the 4.00% Prime Rate as of May 15, 2022. 
A: The initial monthly periodic rate applied to your account under the agreement will be 0.00% for six statement cycles after account opening. Upon completion 
of the sixth statement cycle the Monthly Periodic Rate applied to your account under this agreement is estimated to be 1.624%. We add 15.49% to the Prime 
Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate currently 1.624%). 
B: We add 21.74% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 2.145%). 
Military Lending APR:  Effective October 1, 2017, Federal law provides important protections to members of the Armed Forces and their dependents relating 
to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an 
annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance 
premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified 
credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). 

INTEREST RATE AND INTEREST CHARGES 

Annual Percentage Rate (APR) for 
Purchases 

22.74% 

after the introductory period. 
This APR will vary with the market based on the Prime  Rate. 

0.00% 

Introductory rate for  (6) statement cycles after account opening. 

APR for Balance Transfers 

22.74% 

This APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

25.74% 

Paying Interest 

Minimum Interest Charge 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

This APR will vary with the market based on the Prime Rate. 
Your due date is at least 25 days after the close of  each billing cycle. We will not 
charge you interest on purchases if you pay your entire balance by the due date each 
month. We will begin charging interest on cash advances and balance transfers on the 
transaction date. 
If you are charged periodic interest, the charge will be no less  than $1.50. 

To learn more about factors to consider when applying for or using a credit card,  visit 
the website of the Consumer Financial Protection Bureau at 
www.consumerfinance.gov/learnmore 

Annual Fees 

Transaction Fees 

•  Balance Transfer 
•  Cash Advance 
•  International Transaction 

Penalty Fees 

•  Late Payment 
•  Over-the-Credit-Line 
•  Returned Payment 

FEES 

NONE 

Either $10 or 4% of the amount of each transfer, whichever is greater. 

Either $10 or 4% of the amount of each transfer, whichever is greater. 

3% of each transaction in U.S. dollars. 

Up to $35 

NONE 
Up to $35 

How We Will Calculate Your Balance: We use a method called "average daily balance". See your Card Regulations for more details. 
Billing  Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your  Card  Regulations. 
Loss of Introductory APR: We may end your introductory APR and apply the Annual Percentage Rate for purchases if you make a late payment. 
How We  Will Calculate Your Variable APRs:  The APR will be determined separately for each monthly statement and any increase or decrease 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 the Prime Rate plus 18.74 
percentage points. "Prime Rate" means the highest Prime Rate published in the "Money Rates" table in the Wall Street 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 which a Prime Rate is published. An increase in Prime Rate 
will increase the APR and the Monthly Periodic Rate applied to your account. The annual 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 actual rate. Any increase or decrease in the annual percentage rate and the monthly periodic 
rate will cause the interest charge on your account to increase or decrease accordingly, and may cause your minimum payment due to increase or decrease. 
Prime Rate: Variable APRs are based on the 4.00% Prime Rate as of May 15, 2022. 
A: The initial monthly periodic rate applied to your account under the agreement will be 0.00% for six statement cycles after account opening. Upon completion 
of the sixth statement cycle the Monthly Periodic Rate applied to your account under this agreement is estimated to be 1.895%. We add 18.74% to the Prime 
Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate currently 1.895%). 
B: We add 21.74% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 2.145%). 
Military Lending APR:  Effective October 1, 2017, Federal law provides important protections to members of the Armed Forces and their dependents relating 
to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an 
annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance 
premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified 
credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). 

 
BankCard Services - Card Regulations 

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 
requests  can be made by telephone via live customer service agent from your checking or 
savings  account. Any incoming request will be recorded. Expedited telephone payment 
requests can be  made 24x7. 
CARDHOLDER AGREEMENT 
The MASTERCARD card(s) (hereinafter called Card) enclosed herein is issued by THE 
CENTRAL TRUST 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 and any future 
amendments: 
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 (i.e. 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. This Card is not transferable. 
11. The absence of Cardholder’s signature will not relieve Cardholder from liability for charges 
incurred through the use of this Card. 
12. Use of Card after notice of its revocation is fraudulent and subjects the user to legal 
proceedings. 
13. Bank will not make cash refunds on charges incurred with this Card. 
14. (a)No interest charge will be imposed on any purchases (excluding cash advances) 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 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 current transactions). 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 rate of exchange between the transaction currency and the billable currency used for 
the 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 3 percent 
(or the applicable percentage as determined by the Issuer’s selected options). 
16. The Card Regulation and the Account will be governed by Missouri and applicable federal 
law, but we rely on the provisions of Nebraska law with respect to the fees and charges (other 
than interest) that apply to your Account, as authorized by Missouri Revised Statutes Section 
408.145. 

17. 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, and 
to the outstanding balance on your account. 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. 
18. 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. 
19. 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. 
20. 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. 
21. 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. 
MONITORING AND RECORDING TELEPHONE CALLS AND CONSENT TO RECEIVE 
COMMUNICATIONS 
We may monitor or record phone calls for security reasons, to maintain a record and to ensure 
that you receive courteous and efﬁcient service. You consent in advance to any such recording. 
We need not remind you of our recording before each phone conversation. 
To provide you with the best possible service in our ongoing business relationship for your 
account we may need to contact you about your account from time to time by telephone, text 
messaging or email. However, we must ﬁrst obtain your consent to contact you about your 
account because we must comply with the consumer protection provisions in the federal 
Telephone Consumer Protection Act of 1991 (TCPA), CAN-SPAM Act and their related federal 
regulations and orders issued by the Federal Communications Commission (FCC). 
• Your consent is limited to this account, and as authorized by applicable law and regulations. 
• Your consent does not authorize us to contact you for telemarketing purposes (unless you 
otherwise agree elsewhere). 
With the above understandings, you authorize us to contact you regarding this account 
throughout its existence using any telephone numbers or email addresses that you have 
previously provided to us or that you may subsequently provide to us. 
This consent is regardless of whether the number we use to contact you is assigned to a 
landline, a paging service, a cellular wireless service, a specialized mobile radio service, other 
radio common carrier service or any other service for which you may be charged for the call. 
You further authorize us to contact you through the use of voice, voice mail, and text messaging, 
including the use of pre-recorded or artiﬁcial voice messages and an automated dialing device. 
If necessary, you may change or remove any of the telephone numbers or email addresses at 
any time using any reasonable means to notify us. 
Bank Initiated Alerts 
Alerts will be provided Free to End User (FTEU). Messaging Frequency Varies. 
You can cancel this service at any time. Just text “ STOP”  to 47450. After you send the message 
“ STOP”  to us, we will send you a reply message to conﬁrm that you have been unsubscribed. 
After this, you will no longer receive messages from us. 
If at any time you forget what keywords are supported, just text “ HELP”  to 47450. After you send 
the message “ HELP”  to us, we will respond with instructions on how to use our service as well 
as how to unsubscribe. 
Participating Carriers: AT&T, Boost Mobile, MetroPCS, Sprint, T-Mobile®, Verizon Wireless, 
Virgin Mobile USA. 
Customer Initiated Alerts 
When you opt-in to the service, we will send you a message to conﬁrm your signup. Message 
and data rates may apply. Messaging Frequency Varies. 
You can cancel this service at any time. Just text “ STOP”  to 87300 or 83318. After you send 
the message “ STOP”  to us, we will send you a reply message to conﬁrm that you have been 
unsubscribed. After this, you will no longer receive messages from us. 
If at any time you forget what keywords are supported, just text “ HELP”  to 87300 or 83318. After 
you send the message “ HELP”  to us, we will respond with instructions on how to use our service 
as well as how to unsubscribe. 
Participating Carriers: AT&T, Boost Mobile, MetroPCS, Sprint, T-Mobile®, Verizon Wireless, 
Virgin Mobile USA. 

 
 
 
Adding Your Mastercard To A Mobile Wallet 
When you opt-in to this service we will send you a message to conﬁrm your signup. Message 
and data rates may apply. Messaging Frequency Varies. 
You can cancel this service at any time. Just text “ STOP”  to 87300. After you send the message 
“STOP” to us, we will send you a reply message to conﬁrm that you have been unsubscribed. 
After this, you will no longer receive messages from us. 
If at any time you forget what keywords are supported, just text “ HELP”  to 87300. After you send 
the message “ HELP”  to us, we will respond with instructions on how to use our service as well 
as how to unsubscribe. 
Participating carriers: AT&T, C-Spire (Cellular South), Carolina West Wireless, Cellcom, 
ClearSky, Google Voice, Interop, nTelos, Sprint/Boost, T-Mobile/Metro PCS, U.S. Cellullar, 
Verizon Wireless, and Virgin Mobile. 
T-Mobile is not liable for delayed or undelivered messages. 
As always, message and data rates may apply for any messages sent to you from us and to us 
from you. If you have any questions about your text plan or data plan, it is best to contact your 
wireless provider. 
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. 
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. 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. 

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 at: The Central Trust Bank, Attn: BankCard Services, PO Box 779, Jefferson City MO 
65102. 
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.): (866) 756-7863 
Customer Service (24 hrs.): (800) 445-9272 
Past Due Accounts: (800) 626-8010 
View account activity or sign up for electronic statement: www.bankcardcenter.net