INTEREST RATE AND INTEREST CHARGES 
     Annual Percentage Rate(APR) for 
                             13.49% 
     Purchases 
                             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 
                             13.49% 
                             This APR will vary with the market based on the Prime Rate. 
     APR for Cash Advances 
                             26.49% 
                             This APR will vary with the market based on the Prime Rate. 
     Paying Interest         Y our 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  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 
                             httn://www.consumerfinance.aov/learnmore 
                                         FEES 
     Annual Fees             NONE 
     Transaction Fees 
     � Balance Transfer      Either  $10 or 4% of the amount  of each transfer, whichever  is greater 
     � Cash Advance          Either $10 or 4% of the amount of each transfer, whichever is greater. 
     � International Transaction 3%  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". 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 e?ect on the first day of the billing cycle in which the change occurs. The APR in e?ect for each billing cycle will be equal to the Prime 
    Rate plus 8. 7 4 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. 75% Prime Rate as of December 15, 2019. 
    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 1.124%. 
    We add 8. 74% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate currently 1.124%). 
    B: We add 21.74% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 2.208%). 
    Military Lending APR: E?ective 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 
                              16.49% 
       Purchases 
                             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 
                             16.49% 
                             This APR will vary with the market based on the Prime Rate. 
       APR for Cash Advances 
                             26.49% 
                             This APR will vary with the market based on the Prime Rate. 
       Paying Interest       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  To  learn more about factors lo consider when applying for or using a credit card, visit the website 
       Financial Protection Bureau  of the Consumer Financial Protection Bureau at 
                             httn://www.consumerfinance.nov/learnmore 
                                         FEES 
       Annual Fees           NONE 
       Transaction Fees 
       � Balance Transfer    Either  $10 or 4% of the amount  of each transfer, whichever is greater. 
       � Cash Advance        Either $10 or 4% of the amount of each transfer, whichever is greater. 
       � International Transaction 3% 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". 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 e?ect on the first day of the billing cycle in which the change occurs. The APR in e?ect for each billing cycle will be equal to the Prime 
     Rate plus 11.  7  4 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 4.75% Prime Rate as of December 15, 2019. 
     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 1.374%. 
     We add 11.74% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate currently 1.374%). 
     B: We add 21. 7 4% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 2.208% ). 
      Military Lending APR: E?ective 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 
                             19.49% 
       Purchases 
                             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 
                             26.49% 
                             This APR will varv with the market based on the Prime Rate. 
       Paying Interest       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  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 
                             htto://www.consumerfinance.aov/learnmore 
                                         FEES 
       Annual Fees           NONE 
       Transaction Fees 
       � Balance Transfer    Either $10 or 4% of the amount of each transfer, whichever is greater. 
       � Cash Advance        Either  $10 or 4% of the amount  of each transfer, whichever is  greater. 
       � International Transaction 3% 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". 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 e?ect on the first day of the billing cycle in which the change occurs. The APR in e?ect for each billing cycle will be equal to the Prime 
     Rate plus 14.74 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 4.75% Prime Rate as of December 15, 2019. 
     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 14.74% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate currently 1.624%). 
     B: We add 21. 7  4% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 2.208% ). 
     Military Lending APR: E?ective 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 
                             22.49% 
      Purchases 
                             after the introductory period. 
                             This APR will vary with the market based on the Prime Rate. 
                             0.00% 
                             Introductory rate f o r (6) statement cycles after account opening. 
      APR for Balance Transfers 
                             22.49% 
                             This APR will vary with the market based on the Prime Rate. 
      APR for Cash Advances 
                             26.49% 
                             This APR will vary with the market based on the Prime Rate. 
      Paying Interest        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  To  learn more about factors to consider when applying  f o r or using a credit card, visit the website 
      Financial Protection Bureau  of the Consumer Financial Protection Bureau at 
                             htto://www.consumerfinance.aov/learnmore 
                                         FEES 
      Annual Fees            NONE 
      Transaction Fees 
      � Balance Transfer     Either  $10 or 4% of the amount  of each transfer, whichever is greater. 
      � Cash Advance         Either $10 or 4% of the amount of each transfer, whichever is greater. 
      � International Transaction 3% 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". See your Card Regulations for more details. 
     Billing Rights: Inf o rmation 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 e?ect on the first day of the billing cycle in which the change occurs. The APR in e?ect for each billing cycle will be equal to the Prime 
     Rate plus 17.7 4 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 4.75% Prime Rate as of December 15, 2019. 
     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 1.874%. 
     We add 17. 7 4% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate currently  1.87  4  %). 
     B: We add 21. 7 4% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 2.208%). 
     Military Lending APR: E?ective 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                               interest charge on Cardholder�s account by applying the monthly �periodic rate� to the           
     1. In the event a Cardholder shall request a replacement card for a lost or stolen card, a fee  �average daily balance� of Cardholder�s account (including current transactions). To get the 
     of $15.00 may be charged for each replacement card. This fee will not apply to cards issued  �average daily balance,� Bank will take the beginning balance of the account each day and 
     as renewal of expired cards.             add any new purchases (if subject to interest charges as explained above), cash advances 
     2. You will be charged $5.00 for each original or copied sales slip and duplicate statement  (including credit checks) and credit life insurance premiums and subtract any payments or 
     you request. We will not charge you for duplicate documents in connection with a billing  credits and unpaid interest charges. This gives Bank the daily balance. Then, Bank adds up 
     error notice or if our investigation indicates a billing error occurred. all the daily balances for the billing cycle and divides the total by the number of days in the 
     3. You will be charged $25.00 for each request for expedited (rush) delivery of a credit card.  billing cycle. This gives Bank the �average daily balance.�
     Such fee will cover both the creation of the credit card and delivery expense that is incurred. 15. The rate of exchange between the transaction currency and the billable currency used 
     4. You will be charged $15.00 for each expedited payment request. Expedited payment  for the processing of International MASTERCARD transactions is the (I) wholesale market 
     request can be made by telephone via live customer service agent from your checking or  rate or (II) government-mandated rate, in effect one day prior to the processing date, 
     savings account. Any incoming request will be recorded. Expedited telephone payments  increased by 3 percent (or the applicable percentage as determined by the Issuer�s selected 
     request can be made during normal business hours; Monday thru Friday 8:00am to 5:00pm  option s).
     Central Standard Time.                   16. Bank can change any of the terms of this Agreement (including the periodic rates used 
     CARDHOLDER AGREEMENT                     to compute the interest charge) at any time. The new terms will apply both to new purchases 
     The MASTERCARD card(s) (hereinafter called Card) enclosed herein is issued by THE  and advances, and to the outstanding balance on your account. We will mail you written 
     CENTRAL TRUST BANK, Jefferson City, Missouri who is the Creditor (hereinafter called  notice of any change at least 45 days before the start of the billing cycle when the change 
     Bank) of the person(s) named on the enclosed card(s) (hereinafter called Cardholder) and  will take place.
     by the Cardholder signing or using the enclosed card(s), or by using the account number  17. NOTICE REGARDING INACCURATE INFORMATION-As a participant in the consumer 
     stated on the enclosed form, agrees with Bank to all of the following terms and conditions: reporting system, we furnish information about our experience with you to consumer 
     1. This Card shall remain the property of Bank and shall be surrendered upon Bank�s  reporting agencies. These consumer reports allow us to make credit and other opportunities 
     request.                                 available to you. If you believe that we have furnished information to a consumer reporting 
     2. Cardholder assumes responsibility for all credit extended through the use of this Card.  agency that is inaccurate, please notify us at the following address and identify the speci?c 
     Cardholders issued the same account number, jointly and severally assume responsibility to  information that is inaccurate: The Central Trust Bank, 238 Madison, Jefferson City, Missouri 
     repay all amounts incurred through the use of the account number and applicable interest  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 
     3. Cardholder agrees not to incur charges which will result in credit in excess of the credit  any payments of billings when due, including without limitation amounts incurred through 
     limit speci?cally authorized by Bank. Charges in excess of the credit limit agreed to by  the use of the Card and applicable interest charges; (b) Cardholder incurs charges by use 
     Bank are not permitted and are in breach of the agreement and will be considered fraud.  of the Card in excess of the credit limit speci?cally authorized by Bank; (c) Cardholder 
     Notwithstanding any language or ?gures to the contrary, the Bank shall have the absolute  dies or becomes bankrupt or insolvent; (d) garnishment or attachment proceedings are 
     right to require immediate payment of the entire outstanding balance in excess of the credit  instituted against Cardholder; or (e) Cardholder fails to pay or perform any other obligations, 
     limit.                                   agreements, or conditions provided in this agreement.
     4. The use of this account for payment of any illegal purchase is strictly prohibited (ie  19. Upon the occurrence of an � Event of Default� , Bank may, at its option; (a) immediately 
     internet gambling, betting or lottery tickets). demand payment in full of all obligations of Cardholder arising out of or in any way related 
     5. Cardholder agrees to pay, at such place as Bank designates and in accordance with  to the Card; (b) set off any obligations of Cardholder against any right of Cardholder to the 
     billings and the current customer payment schedule, amounts incurred through the use of  payment of money from Bank; (c) exercise any and all remedies available to Bank at law, in 
     this Card and all applicable interest charges as determined by the applicable method of  equity, or under this agreement. By choosing any one of the forgoing remedies, Bank does 
     determination in effect at the time of their assessment. not waive its right to subsequent use of another remedy. Bank does not waive an � Event of 
     6. In case this Card is lost or stolen, Cardholder agrees to promptly notify Bank by telephone  Default� if Bank does not choose to use any remedy, and, by electing not to use any remedy, 
     and to immediately con?rm such notice in writing. The Cardholder shall have no liability for  Bank does not waive its right to later declare an � Event of Default� and to use any remedies 
     unauthorized use of the Card.            available to Bank. Bank shall be entitled to the reasonable costs of collection, including but 
     7. This Card, and the privileges thereunder, may be canceled at any time without notice. not limited to reasonable attorney fees for attorneys who are not Bank employees.
     8. In addition to Bank�s agreement to ex tend credit to Cardholder for charges, credit checks  20. Any notice, demand or request by Bank to Cardholder, shall be in writing and shall be 
     and cash advances up to Cardholder�s credit limit, as set forth above, Bank further agrees to  deemed to have been duly given or made if mailed to address set forth in Cardholder�s credit 
     extend credit to Cardholder for advance amounts and to pay for credit insurance premiums,  card application, or to such other address as Cardholder may hereafter designate to Bank.
     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 ?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 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 
     YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE We will send you a statement of the amount you owe and the date payment is due. We may 
     This notice tells you about your rights and our responsibilities under the Fair Credit Billing  then report you as delinquent if you do not pay the amount we think you owe. If you receive 
     Act.                                     our explanation but still believe your bill is wrong, you must write to us within 10 days telling 
     WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT us that you still refuse to pay. If you do so, we cannot report you as delinquent without also 
     If you think there is an error on your statement, write to us at: The Central Trust Bank, Attn:  reporting that you are questioning your bill. We must tell you the name of anyone to whom 
     BankCard Services, PO Box 779, Jefferson City MO 65102. You may also contact us on the  we reported you as delinquent, and we must let those organizations know when the matter 
     web: www.bankcardcenter.net              has been settled between us. If we do not follow all of the rules above, you do not have to 
     In your letter, give us the following information: pay the ?rst $50 of the amount you question even if your bill is correct. 
     � Account information: Your name and account number YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES
     � Dollar amount: The dollar amount of the suspected error. If you are dissatis?ed with the goods or services that you have purchased with your credit 
     � Description of problem: If you think there is an error on your bill, describe what you believe  card, and you have tried in good faith to correct the problem with the merchant, you may 
     is wrong and why you believe it is a mistake. have the right not to pay the remaining amount due on the purchase.
     You must contact us:                     To use this right, all of the following must be true:
     � Within 60 days after the error appeared on your statement 1. The purchase must have been made in your home state or within 100 miles of your 
     � At least 3 business days before an automated payment is scheduled, if you want to stop  current mailing address, and the purchase price must have been more than $50. (Note: 
     payment on the amount you think is wrong. Neither of these are necessary if your purchase was based on an advertisement we mailed 
     You must notify us of any potential errors in writing [or electronically]. You may call us, but if  to you, or if we own the company that sold you the goods or services.)
     you do we are not required to investigate any potential errors and you may have to pay the  2. You must have used your credit card for the purchase. Purchases made with cash 
     amount in question.                      advances from an ATM or with a check that accesses your credit card account do not qualify.
     WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER 3. You must not yet have fully paid for the purchase.
     When we receive your letter, we must do two things: If all of the criteria above are met and you are still dissatis?ed with the purchase, contact us 
     1. Within 30 days of receiving your letter, we must tell you that we received your letter. We  in writing [or electronically] at: The Central Trust Bank, Attn: BankCard Services, PO Box 
     will also tell you if we have already corrected the error. 779, Jefferson City MO 65102. You may also contact us on the web: www.bankcardcenter.
     2. Within 90 days of receiving your letter, we must either correct the error or explain to you  net While we investigate, the same rules apply to the disputed amount as discussed above. 
     why we believe the bill is correct.      After we ?nish our investigation, we will tell you our decision. At that point, if we think you 
     While we investigate whether or not there has been an error: owe an amount and you do not pay, we may report you as delinquent.
     � We cannot try to collect the amount in question, or report you as delinquent on that  Other Important Information
     amount.                                  Lost and Stolen (24 hrs.): (800) 445-9272
     � The charge in question may remain on your statement, and we may continue to charge you  Customer Service (24 hrs.): (800) 445-9272
     interest on that amount.                 Past Due Accounts: (800) 626-8010
     � While you do not have to pay the amount in question, you are responsible for the  View account activity or sign up for electronic statement: www.bankcardcenter.net
     remainder of your balance.
     � We can apply any unpaid amount against your credit limit.
     After we ?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.