Annual Percentage 
Purchases 

Rate(APR) 

INTEREST 
for  18.74% 

RATE AND INTEREST 

CHARGES 

This APR will varv with the market 

based on the Prime Rate. 

APR for Balance 

Transfers 18.74% 

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 

Bureau 

Consumer 

based on the Prime Rate. 

the close of each billing 

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 
website 
htt�s://www.consumerfinance.gov/learnmore 

on cash advances 
the charge 
to consider 

cycle. 
by the due date each month. 

if you pay your entire 
interest 

when applying 
Bureau at 

will be no less than $1.50. 

for or using a credit 

of the Consumer 

We will not charge 

transfers 

interest, 

and balance 

Protection 

card, visit the 

Financial 

balance 

on the transaction 

date. 

you any 

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 

Either 
Either 

Payment

$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 

day of the billing 
points. 

Rights: 

Your Variable 

Information 

will take effect on the first 

calendar 
Rate applied 

How We Will Calculate 
Billing 
How We Will Calculate 
decrease 
equal to the Prime Rate plus 15.49 percentage 
table in the Wall Street Journal 
succeeding 
Periodic 
month. You can call 1-800-445-9272 
periodic rate will cause the interest 
payment 
due to increase 
Prime Rate: Variable 
A: We add 15.49% to 
B: We add 21.74% to 
Military 
their dependents 
relating 
and his or her dependent 
transaction 
or account: 
transaction; 
credit 
participation 

to extensions 
of consumer 
may not exceed an annual 

fee charged 
than certain 

Lending APR: Effective 

The costs associated 

any application 

fee charged (other 

or decrease. 

Your Balance: We use a method called "average 

daily balance". 

See your Card Regulations 

on your rights to dispute 

transactions 

and how to exercise 

APRs: The APR will be determined 

or 
cycle in which the change occurs. The APR in effect for each billing cycle will be 

separately 

statement 

and any increase 

"Prime 

Rate" means the highest Prime 

Rate published in the "Money Rates" 

those rights is provided 
for each monthly 

on the 15th calendar 

day of each month, or if no rate is published on the 15th, then on the next 

for more details. 
in your Card Regulations. 

date on which a Prime Rate is published. 
to your account. 

The annual percentage 

An increase 
rate and monthly 
rate. Any increase 

for the current 

actual 

in Prime Rate will increase 

the APR and the Monthly 

periodic 
or decrease 

rate will not change more often than once per 
in the annual percentage 

rate and the monthly 

charge on your account 

to increase 

or decrease 

accordingly, 

and may cause your minimum 

APRs are based on the 3.25% Prime Rate as of February 15, 2021. 
the Prime Rate to determine the Purchase/Balance 
APR (monthly 
the Prime Rate to determine the Cash Advance 
important 

Transfer APR (monthly 

1, 2017, Federal 

protections 

to members 

October 

periodic rate currently 2.083%). 

and 
of the Armed Forces 

periodic 

rate currently 

1.561%). 

law provides 
In general, 

credit. 
percentage 

the cost of consumer 

credit 

rate of 36 percent. 

This rate must include, 

to a member of the Armed Forces 
as applicable 

to the credit 

with credit 

insurance premiums; fees for ancillary 
fees for specified 
application 

products sold in connection 
with the 
transactions 
credit 

and any 
or accounts); 

(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 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 24x7. 
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 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 
speciﬁ cally 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 ﬁ gures 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 conﬁ rm 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 ﬁ rst 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 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 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. 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 speciﬁ c 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 speciﬁ cally 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.
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 efﬁ cient 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 ﬁ rst 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 artiﬁ cial 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 conﬁ rm 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 conﬁ rm 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 conﬁ rm 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 conﬁ rm 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 conﬁ rm 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 ﬁ nish 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 ﬁ rst $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 dissatisﬁ ed 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 dissatisﬁ ed 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 
ﬁ nish 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.centralbank.net