INTEREST RATE AND INTEREST CHARGES
Annual Percentage Rate(APR) for
8.99%
Purchases
after the promotional period.
This APR will vary with the market based on the Prime Rate.
0.00%
Introductory rate for 6 months from the date your account is opened.
APR for Balance Transfers
8.99%
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
8.99%
This APR will vary with the market based on the Prime Rate.
How to avoid paying interest on
Your due date is at least 25 days after close of each billing cycle. We will not charge you interest
purchases
on purchases if you pay 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
To learn more about factors to consider when applying for or using a credit card, visit the website
Financial Protection Bureau
of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore
FEES
Annual Fees
NONE
Transaction Fees
Balance Transfer
Either $10 or 4% of the amount of each transfer, whichever is greater (maximum fee: $100).
Cash Advance
Either $10 or 4% of the amount of each transfer, whichever is greater (maximum fee: $100).
Foreign Fees
1% of each transaction in U.S. dollars.
Penalty Fees
Late Payment
Up to $25
Over-the-Credit-Line
NONE
Returned Payment
Up to $25
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". 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 5.74 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 3.25% Prime Rate as of March 15, 2014
A: The initial monthly periodic rate applied to your account under this 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 .749%
B: We add 5.74% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate currently .749%).
C: We add 5.74% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 749%).
C0009570
BankCard Services- Card Regulations
OTHER FEES
interest charges. This gives Bank the daily balance. Then, Bank adds up all the daily balances for the
1. In the event a Cardholder shall request a replacement card for a lost or stolen card, a fee of
billing cycle and divides the total by the number of days in the billing cycle. This gives Bank the
$15.00 may be charged for each replacement card. This fee will not apply to cards issued as
"average daily balance."
renewal of expired cards.
15. The rate of exchange between the transaction currency and the billable currency used for the
2. You will be charged $5.00 for each original or copied sales slip and duplicate statement you
processing of International MASTERCARD transactions is the (I) wholesale market rate or (II)
request. We will not charge you for duplicate documents in connection with a billing error notice
government-mandated rate, in effect one day prior to the processing date, increased by 1 percent (or
or if our investigation indicates a billing error occurred.
the applicable percentage as determined by the Issuer's selected options). The rate of exchange
3. You will be charged $25.00 for each request for expedited (rush) delivery of a credit card.
between the transaction currency and the billable currency used for the processing of VISA
Such fee will cover both the creation of the credit card and delivery expense that is incurred.
transactions is as follows. "A rate selected by VISA from the range of rates available in wholesale
4. You will be charged $10.00 for each expedited payment request. Expedited payment request
currency markets for the applicable central processing date, which rate may vary from the rate VISA
can be made by telephone via live customer service agent from your checking or savings
itself receives, or the government-mandated rate in effect for the applicable central processing date, in
account. Any incoming request will be recorded. Expedited telephone payments request can be
each instance, plus or minus any adjustment determined by the issuer." For each purchase made in a
made during normal business hours; Monday thru Friday 8:00am to 5:00pm Central Standard
foreign currency we will add an additional interest charge of 1% of the purchase amount after it is
Time.
converted into U.S. Dollars.
CARDHOLDER AGREEMENT
16. Bank can change any of the terms of this Agreement (including the periodic rates used to compute
The MASTERCARD/VISA card(s) (hereinafter called Card) enclosed herein is issued by THE
the interest charge) at any time. The new terms will apply both to new purchases and advances, and
CENTRAL TRUST BANK, Jefferson City, Missouri who is the Creditor (hereinafter called Bank)
to the outstanding balance on your account. We will mail you written notice of any change at least 45
of the person(s) named on the enclosed card(s) (hereinafter called Cardholder) and by the
days before the start of the billing cycle when the change will take place.
Cardholder signing or using the enclosed card(s), or by using the account number stated on the
17. NOTICE REGARDING INACCURATE INFORMATION-As a participant in the consumer reporting
enclosed form. agrees with Bank to all of the following terms and conditions:
system, we furnish information about our experience with you to consumer reporting agencies. These
1. This Card shall remain the property of Bank and shall be surrendered upon Bank's request.
consumer reports allow us to make credit and other opportunities available to you. If you believe that
2. Cardholder assumes responsibility for all credit extended through the use of this Card.
we have fumished information to a consumer reporting agency that is inaccurate, please notify us at
Cardholders issued the same account number, jointly and severally assume responsibility to
the following address and identify the specific information that is inaccurate: The Central Trust Bank,
repay all amounts incurred through the use of the account number and applicable interest
238 Madison, Jefferson City, Missouri 65101, Attention: BankCard Services.
charges, and for credit insurance premiums, if authorized by Cardholder.
18. It shall be an "Event of Default' under this Agreement if: (a) Cardholder fails to make any
3. Cardholder agrees not to incur charges which will result in credit in excess of the credit limit
payments of billings when due, including without limitation amounts incurred through the use of the
specifically authorized by Bank. Charges in excess of the credit limit agreed to by Bank are not
Card and applicable interest charges; (b) Cardholder incurs charges by use of the Card in excess of
permitted and are in breach of the agreement and will be considered fraud. Notwithstanding any
the credit limit specifically authorized by Bank; (c) Cardholder dies or becomes bankrupt or insolvent;
language or figures to the contrary, the Bank shall have the absolute right to require immediate
(d) garnishment or attachment proceedings are instituted against Cardholder; or (e) Cardholder fails to
payment of the entire outstanding balance in excess of the credit limit.
pay or perform any other obligations, agreements, or conditions provided in this agreement.
4. The use of this account for payment of any illegal purchase is strictly prohibited (ie internet
19. Upon the occurrence of an "Event of Default', Bank may, at its option; (a) immediately demand
gambling, betting or lottery tickets).
payment in full of all obligations of Cardholder arising out of or in any way related to the Card; (b) set
5. Cardholder agrees to pay, at such place as Bank designates and in accordance with billings
off any obligations of Cardholder against any right of Cardholder to the payment of money from Bank;
and the current customer payment schedule, amounts incurred through the use of this Card and
(c) exercise any and all remedies available to Bank at law, in equity, or under this agreement. By
all applicable interest charges as determined by the applicable method of determination in effect
choosing any one of the forgoing remedies, Bank does not waive its right to subsequent use of
at the time of their assessment.
another remedy. Bank does not waive an "Event of Default if Bank does not choose to use any
6. In case this Card is lost or stolen, Cardholder agrees to promptly notify Bank by telephone and
remedy, and, by electing not to use any remedy, Bank does not waive its right to later declare an
to immediately confirm such notice in writing. The Cardholder shall have no liability for
"Event of Default' and to use any remedies available to Bank. Bank shall be entitled to the reasonable
unauthorized use of the Card.
costs of collection, including but not limited to reasonable attomey fees for attorneys who are not Bank
7. This Card, and the privileges thereunder, may be canceled at any time without notice.
employees.
8. In addition to Bank's agreement to extend credit to Cardholder for charges, credit checks and
20. Any notice, demand or request by Bank to Cardholder, shall be in writing and shall be deemed to
cash advances up to Cardholder's credit limit, as set forth above, Bank further agrees to extend
have been duly given or made if mailed to address set forth in Cardholder's credit card application, or
credit to Cardholder for advance amounts and to pay for credit insurance premiums, if authorized
to such other address as Cardholder may hereafter designate to Bank.
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 refundson charges incurred with this Card.
14. (a) No interest charge will be imposed on any purchases (excluding cash dvances) 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 (including 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
YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE
If
we do not believe there was a mistake: You will have to pay the amount in question, along with
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
applicable interest and fees.
WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT
We will send you a statement of the amount you owe and the date payment is due. We may then
If you think there is an error on your statement, write to us at: The Central Trust Bank, Attn:
report you as delinquent if you do not pay the amount we think you owe.
BankCard Services, PO Box 779, Jefferson City MO 65102. You may also contact us on the
If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days
www.bankcardcenter.net
telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also
In your letter, give us the following information:
reporting that you are questioning yourb We must tell you the name of anyone to whomwe reported
Account information: Your name and account number
you as delinquent, and we must let those organizations know when the matter has been settled
Dollaramount: The dollar amount of the suspected error.
between us.
Description of problem: If you think there is an error on your bill, describe what you believe is
If we do not follow al of the rules above, you do not have to pay the first $50 of the amount you
wrong and why you believe it is a mistake.
question even if your bill is correct.
You must contact us:
YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES
Within 60 days after the error appeared on your statement
If you are dissatisfied with the goods or services that you have purchased with your credit card, and
At least 3 business days before an automated payment is scheduled, if you want to stop
you have tried in good faith to correct the problem with the merchant, you may have the right not to
payment on the amount you think is wrong.
pay the remaining amount due on the purchase.
You must notify us of any potential errors in writing [or electronically]. You may call us, but if you
To use this right, all of the following must be true:
do we are not required to investigate any potential errors and you may have to pay the amount in
1. The purchase must have been made in your home state or within 100 miles of your current mailing
question.
address, and the purchase price must have been more than $50. (Note: Neither of these are
WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER
necessary if your purchase was based on an advertisement we mailed to you, or if we own the
When we receive your letter, we must do two things:
company that sold you the goods or services.)
1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will
2. You must have used your credit card for the purchase. Purchases made with cash advances from
also tell you if we have already corrected the error.
an ATM or with a check that accesses your credit card account do not qualify.
2. Within 90 days of receiving your letter, we must either correct the error or explain to you why
3. You must not yet have fully paid for the purchase.
we believe the bill is correct.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing
While we investigate whether or not there has been an error:
[or electronically] at: The Central Trust Bank, Attn: BankCard Services, PO Box 779, Jefferson City
We cannot try to collect the amount in question, or report you as delinquent on that amount.
MO 65102. You may also contact us on the web: www.bankcardcenter.net
The charge in question may remain on your statement, and we may continue to charge you
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish
interesto that amount.
our investigation, we will tell you our decision. At that point, if we think you owe an amount and you
do
While you do not have to pay the amount in question, you are responsible for the remainder of
not pay, we may report you as delinquent.
your balance.
Other Important Information
We can apply any unpaid amount against your credit limit.
Lost and Stolen (24 hrs.): (800) 445-9272
After we finish our investigation, one of two things will happen:
Customer Service (24 hrs.): (800) 445-9272
If we made a mistake: You will not have to pay the amount in question or any interest or other
Past Due Accounts: (800) 626-8010
fees related to that amount.
View account activity or sign up for electronic statement: www.BankCardCenter.net