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 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 3.5% Prime Rate as of October 15, 2016.
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 0.77%. We add 5.74% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate currently 0.77%).
B: We add 21.74% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 2.10333%).

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 8.74 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 3.5% Prime Rate as of October 15, 2016.
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 1.02%. We add 8.74% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate currently 1.02%).
B: We add 21.74% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 2.10333%).

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 11.74 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 3.5% Prime Rate as of October 15, 2016.
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 1.27%. We add 11.74% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate currently 1.27%).
B: We add 21.74% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 2.10333%).

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 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 3.5% Prime Rate as of October 15, 2016.
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 1.52%. We add 14.74% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate currently 1.52%).
B: We add 21.74% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 2.10333%).

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 17.74 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 3.5% Prime Rate as of October 15, 2016.
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 1.77%. We add 17.74% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate currently 1.77%).
B: We add 21.74% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 2.10333%).

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 during normal business 
hours; Monday thru Friday 8:00am to 5:00pm Central Standard Time.

CARDHOLDER AGREEMENT
The MASTERCARD/VISA 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:
1. This Card shall remain the property of Bank and shall be surrendered upon 
Bank’s request.
2. Cardholder assumes responsibility for all credit extended through the use of 
this Card. Cardholders issued the same account number, jointly and severally 
assume  responsibility  to  repay  all  amounts  incurred  through  the  use  of  the 
account  number  and  applicable  interest  charges,  and  for  credit  insurance 
premiums, if authorized by Cardholder.
3. Cardholder agrees not to incur charges which will result in credit in excess of 
the credit limit specifically authorized by Bank. Charges in excess of the credit 
limit agreed to by Bank are not permitted and are in breach of the agreement 
and will be considered fraud. Notwithstanding any language or figures to the 
contrary, the Bank shall have the absolute right to require immediate payment 
of the entire outstanding balance in excess of the credit limit.
4.  The  use  of  this  account  for  payment  of  any  illegal  purchase  is  strictly 
prohibited (ie internet gambling, betting or lottery tickets).
5.  Cardholder  agrees  to  pay,  at  such  place  as  Bank  designates  and  in 
accordance with billings and the current customer payment schedule, amounts 
incurred through the use of this Card and all applicable interest charges as 
determined by the applicable method of determination in effect at the time of 
their assessment.
6.  In  case  this  Card  is  lost  or  stolen,  Cardholder  agrees  to  promptly  notify 
Bank  by  telephone  and  to  immediately  confirm  such  notice  in  writing.  The 
Cardholder shall have no liability for unauthorized use of the Card.
7.  This  Card,  and  the  privileges  thereunder,  may  be  canceled  at  any  time 
without notice.
8. In addition to Bank’s agreement to ex tend 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), ex 
cept 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 
(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 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 1 percent (or the applicable 
percentage  as  determined  by  the  Issuer’s  selected  option  s).  The  rate  of 
exchange  between  the  transaction  currency  and  the  billable  currency  used 
for  the  processing  of  VISA  transactions  is  as  follows.  “ A  rate  selected  by 
VISA from the range of rates available in wholesale currency markets for the 
applicable central processing date, which rate may vary from the rate VISA
itself receives, or the government-mandated rate in effect for the applicable 
central  processing  date,  in  each  instance,  plus  or  minus  any  adjustment 
determined by the issuer.” For each purchase made in a foreign currency we 
will add an additional interest charge of 3% of the purchase amount after it is 
converted into U.S. Dollars.
16. Bank can change any of the terms of this Agreement (including the periodic 
rates used to compute the interest charge) at any time. The new terms will 
apply both to new purchases and advances, 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.
17. NOTICE REGARDING INACCURATE INFORMATION-As a participant in 
the consumer reporting system, we furnish information about our experience 
with you to consumer reporting agencies. These consumer reports allow us 
to make credit and other opportunities available to you. If you believe that we 
have furnished information to a consumer reporting agency that is inaccurate, 
please notify us at the following address and identify the specific information 
that  is  inaccurate:  The  Central  Trust  Bank,  238  Madison,  Jefferson  City, 
Missouri 65101, Attention: BankCard Services.
18. It shall be an “ Event of Default” under this Agreement if: (a) Cardholder 
fails to make any payments of billings when due, including without limitation 
amounts incurred through the use of the Card and applicable interest charges; 
(b) Cardholder incurs charges by use of the Card in excess of the credit limit 
specifically authorized by Bank; (c) Cardholder dies or becomes bankrupt or 
insolvent;  (d)  garnishment  or  attachment  proceedings  are  instituted  against 
Cardholder; or (e) Cardholder fails to pay or perform any other obligations, 
agreements, or conditions provided in this agreement.
19. Upon the occurrence of an “ Event of Default” , Bank may, at its option; (a) 
immediately demand payment in full of all obligations of Cardholder arising out 
of or in any way related to the Card; (b) set off any obligations of Cardholder 
against  any  right  of  Cardholder  to  the  payment  of  money  from  Bank;  (c) 
exercise  any  and  all  remedies  available  to  Bank  at  law,  in  equity,  or  under 
this agreement. By choosing any one of the forgoing remedies, Bank does not 
waive its right to subsequent use of another remedy. Bank does not waive an “ 
Event of Default” if Bank does not choose to use any remedy, and, by electing 
not to use any remedy, Bank does not waive its right to later declare an “ Event 
of Default” and to use any remedies available to Bank. Bank shall be entitled 
to the reasonable costs of collection, including but not limited to reasonable 
attorney fees for attorneys who are not Bank employees.
20. Any notice, demand or request by Bank to Cardholder, shall be in writing 
and shall be deemed to have been duly given or made if mailed to address set 
forth in Cardholder’s

YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE
This notice tells you about your rights and our responsibilities under the Fair 
Cred it Billing Act.

WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT
If you think there is an error on your statement, write to us at: The Central Trust 
Bank, Attn: BankCard Services, PO Box 779, Jefferson City MO 65102. You 
may also contact us on the web: www.bankcardcenter.net

In your letter, give us the following information:
• Account information: Your name and account number
• Dollar amount: The dollar amount of the suspected error.
• Description of problem: If you think there is an error on your b ill, describe    
  what you believe is wrong and why you believe it is a mistake.

You must contact us:
• Within 60 days after the error appeared on your statement
• At least 3 business days before an automated payment is scheduled, if you   
  want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing [or electronically]. You may 
call us, but if you do we are not required to investigate any potential errors and 
you may have to pay the amount in question.

WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER
When we receive your letter, we must do two things:
1. Within 30 days of receiving your letter, we must tell you that we received  
    your letter. We will also tell you if we have already corrected the error.
2. Within 90 days of receiving your letter, we must either correct the error or    
    explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:
• We cannot try to collect the amount in question, or report you as delinquent  
  on that amount.
• The charge in question may remain on your statement, and we may continue 
   to charge you interest on that amount.
• While you do not have to pay the amount in question, you are responsible for 
  the remainder of your balance.
• We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:
• If we made a mistake: You will not have to pay the amount in question or any 
  interest or other fees related to that amount.
• If we do not believe there was a mistake: You will have to pay the amount in  
  question, along with applicable interest and fees.

We will send you a statement of the amount you owe and the date payment is 
due. We may then report you as delinquent if you do not pay the amount we 
think you owe. If you receive our explanation but still believe your bill is wrong, 
you must write to us within 10 days telling us that you still refuse to pay. If 
you do so, we cannot report you as delinquent without also reporting that you 
are questioning your bill. We must tell you the name of anyone to whom we 
reported you as delinquent, and we must let those organizations know when 
the matter has been settled between us. If we do not follow all of the rules 
above, you do not have to pay the first $50 of the amount you question even 
if your bill is correct. 

YOUR  RIGHTS  IF YOU ARE  DISSATISFIED  WITH YOUR  CREDIT  CARD 
PURCHASES
If you are dissatisfied with the goods or services that you have purchased with 
your credit card, and you have tried in good faith to correct the problem with 
the merchant, you may have the right not to pay the remaining amount due 
on the purchase.

To use this right, all of the following must be true:
1. The purchase must have been made in your home state or within 100 miles 
    of your current mailing address, and the purchase price must have been 
    more than $50. (Note: Neither of these are necessary if your purchase was 
     based on an advertisement we mailed to you, or if we own the company that 
    sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made  
    with cash advances from an ATM or with a check that accesses your credit  
    card account do not qualify.
3. You must not yet have fully paid for the purchase.
If  all  of  the  criteria  above  are  met  and  you  are  still  dissatisfied  with  the 
purchase, contact us in writing [or electronically] at: The Central Trust Bank, 
Attn: BankCard Services, PO Box 779, Jefferson City MO 65102. You may 
also contact us on the web: www.bankcardcenter.net

While  we  investigate,  the  same  rules  apply  to  the  disputed  amount  as 
discussed above. After we finish our investigation, we will tell you our decision. 
At that point, if we think you owe an amount and you do not pay, we may report 
you as delinquent.

Other Important Information
Lost and Stolen (24 hrs.): (800) 445-9272
Customer Service (24 hrs.): (800) 445-9272
Past Due Accounts: (800) 626-8010
View account activity or sign up for electronic statement: www.BankCardCenter.
net