CARDHOLDER AGREEMENT
IMPORTANT BILLING INFORMATION

A-16091

Please refer to the BILLING TERMS indicator on your card carrier. It is the four character product code listed underneath your 
card. This product code will direct you to the appropriate Billing Table.
Please retain this information for your records.

M051, V051

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for 
Purchases

APR for Balance Transfers

APR for Cash Advances

0.00% introductory APR for six (6) months. 
After that, your APR will be 8.99%. This APR will vary with the market based on 
the Prime Rate.
8.99% 
This APR will vary with the market based on the Prime Rate.
8.99% 
This APR will vary with the market based on the Prime Rate.

How to avoid paying interest on 
charges

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. 

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.50

For Credit Card Tips from the 
Federal Reserve Board

To learn more about factors to consider when applying for or using a credit card, visit 
the website of the Federal Reserve Board at http://federalreserve.gov/creditcard

Fees

Annual Fee

None

Rewards Membership Fee 
(Optional)

$29 per year 
(Only applies if applicant chooses to participate in the Rewards program)

Transaction Fees

•	 Balance Transfer
•	 Cash Advance
•	 Foreign Transaction

Penalty Fees

•	 Late Payment
•	 Over-the-Credit Limit
•	 Returned Payment

Either $10 or 4% of the amount of each transfer (maximum $100)
Either $10 or 4% of the amount of each cash advance (maximum $100)
1% of each transaction once converted into U.S. dollars

$25
None
$25

How We Will Calculate Your Balance:  We use a method called “Average daily balance (including new purchases).” See your Cardholder Agreement for more details.

Loss of Introductory APR:  We may end your introductory APR and apply the Annual Percentage Rate for Purchases if you make a late payment.

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Agreement.
 1) The initial monthly periodic rate applied to your account under this agreement will be 0.00% for six months. Upon completion of the sixth month the Monthly 

Periodic Rate applied to your account under this agreement is estimated to be .749% (as of August 15th 2010). 

 2) The annual percentage rate (APR) may increase or decrease as follows:

(a) 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 Prime Rate will increase the APR and the Monthly Periodic 
Rate applied to your account.

(b) 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.
(c) 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.

 3) Until Bank shall give written notice to the Cardholder on a change therein, the required monthly payment shall be 3 percent (3%) of the outstanding balance as 
of the statement date, with a minimum payment of Ten Dollars ($10.00) or the balance if less than Ten Dollars ($10.00). The outstanding balance may be prepaid 
in whole or in part at any time.  All payments, though credited on the books of the Bank and posted to the Cardholder’s account shall not be considered paid until 
the funds have actually been collected by Bank. 

48165  09/10

Please retain this information for your records.

 
 
 
M052, V052

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for 
Purchases

APR for Balance Transfers

APR for Cash Advances

0.00% introductory APR for six (6) months.  
After that, your APR will be 11.99%. This APR will vary with the market based 
on the Prime Rate.
11.99% 
This APR will vary with the market based on the Prime Rate.
11.99% 
This APR will vary with the market based on the Prime Rate.

How to avoid paying interest on 
charges

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. 

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.50

For Credit Card Tips from the 
Federal Reserve Board

To learn more about factors to consider when applying for or using a credit card, visit 
the website of the Federal Reserve Board at http://federalreserve.gov/creditcard

Fees

Annual Fee

None

Rewards Membership Fee 
(Optional)

$29 per year 
(Only applies if applicant chooses to participate in the Rewards program)

Transaction Fees

•	 Balance Transfer
•	 Cash Advance
•	 Foreign Transaction

Penalty Fees

•	 Late Payment
•	 Over-the-Credit Limit
•	 Returned Payment

Either $10 or 4% of the amount of each transfer (maximum $100)
Either $10 or 4% of the amount of each cash advance (maximum $100)
1% of each transaction once converted into U.S. dollars

$25
None
$25

How We Will Calculate Your Balance:  We use a method called “Average daily balance (including new purchases).” See your Cardholder Agreement for more details.

Loss of Introductory APR:  We may end your introductory APR and apply the Annual Percentage Rate for Purchases if you make a late payment.

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Agreement.
 1) The initial monthly periodic rate applied to your account under this agreement will be 0.00% for six months. Upon completion of the sixth month the Monthly 

Periodic Rate applied to your account under this agreement is estimated to be .999% (as of August 15th 2010). 

 2) The annual percentage rate (APR) may increase or decrease as follows:

(a) 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 Prime Rate will increase the APR and the Monthly 
Periodic Rate applied to your account.

(b) 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.
(c) 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.

 3) Until Bank shall give written notice to the Cardholder on a change therein, the required monthly payment shall be 3 percent (3%) of the outstanding balance as 
of the statement date, with a minimum payment of Ten Dollars ($10.00) or the balance if less than Ten Dollars ($10.00). The outstanding balance may be prepaid 
in whole or in part at any time.  All payments, though credited on the books of the Bank and posted to the Cardholder’s account shall not be considered paid until 
the funds have actually been collected by Bank.

 
 
 
M053, V053

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for 
Purchases

APR for Balance Transfers

APR for Cash Advances

0.00% introductory APR for six (6) months.  
After that, your APR will be 14.99%. This APR will vary with the market based 
on the Prime Rate.
14.99% 
This APR will vary with the market based on the Prime Rate.
14.99% 
This APR will vary with the market based on the Prime Rate.

How to avoid paying interest on 
charges

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. 

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.50

For Credit Card Tips from the 
Federal Reserve Board

To learn more about factors to consider when applying for or using a credit card, visit 
the website of the Federal Reserve Board at http://federalreserve.gov/creditcard

Fees

Annual Fee

None

Rewards Membership Fee 
(Optional)

$29 per year 
(Only applies if applicant chooses to participate in the Rewards program)

Transaction Fees

•	 Balance Transfer
•	 Cash Advance
•	 Foreign Transaction

Penalty Fees

•	 Late Payment
•	 Over-the-Credit Limit
•	 Returned Payment

Either $10 or 4% of the amount of each transfer (maximum $100)
Either $10 or 4% of the amount of each cash advance (maximum $100)
1% of each transaction once converted into U.S. dollars

$25
None
$25

How We Will Calculate Your Balance:  We use a method called “Average daily balance (including new purchases).” See your Cardholder Agreement for more details.

Loss of Introductory APR:  We may end your introductory APR and apply the Annual Percentage Rate for Purchases if you make a late payment.

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Agreement.
 1) The initial monthly periodic rate applied to your account under this agreement will be 0.00% for six months. Upon completion of the sixth month the Monthly 

Periodic Rate applied to your account under this agreement is estimated to be 1.249% (as of August 15th 2010). 

 2) The annual percentage rate (APR) may increase or decrease as follows:

(a) 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 Prime Rate will increase the APR and the Monthly 
Periodic Rate applied to your account.

(b) 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.
(c) 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.

 3) Until Bank shall give written notice to the Cardholder on a change therein, the required monthly payment shall be 3 percent (3%) of the outstanding balance as 
of the statement date, with a minimum payment of Ten Dollars ($10.00) or the balance if less than Ten Dollars ($10.00). The outstanding balance may be prepaid 
in whole or in part at any time.  All payments, though credited on the books of the Bank and posted to the Cardholder’s account shall not be considered paid until 
the funds have actually been collected by Bank.

 
 
 
 M054, V054

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for 
Purchases

APR for Balance Transfers

APR for Cash Advances

How to avoid paying interest on 
charges

0.00% introductory APR for six (6) months.  
After that, your APR will be 17.99%. This APR will vary with the market based 
on the Prime Rate.
17.99% 
This APR will vary with the market based on the Prime Rate.
17.99% 
This APR will vary with the market based on the Prime Rate.

Your due date is at least 25 days after the close of each billing cycle.  We will not 
charge you interest on purchases if you pay your entire balance by the due date 
each month. 

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.50

For Credit Card Tips from the 
Federal Reserve Board

To learn more about factors to consider when applying for or using a credit card, 
visit the website of the Federal Reserve Board at http://federalreserve.gov/creditcard

Fees

Annual Fee

None

Rewards Membership Fee 
(Optional)

$29 per year 
(Only applies if applicant chooses to participate in the Rewards program)

Transaction Fees

•	 Balance Transfer
•	 Cash Advance
•	 Foreign Transaction

Penalty Fees

•	 Late Payment
•	 Over-the-Credit Limit
•	 Returned Payment

Either $10 or 4% of the amount of each transfer (maximum $100)
Either $10 or 4% of the amount of each cash advance (maximum $100)
1% of each transaction once converted into U.S. dollars

$25
None
$25

How We Will Calculate Your Balance:  We use a method called “Average daily balance (including new purchases).” See your Cardholder Agreement for more details.

Loss of Introductory APR:  We may end your introductory APR and apply the Annual Percentage Rate for Purchases if you make a late payment.

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Agreement.
 1) The initial monthly periodic rate applied to your account under this agreement will be 0.00% for six months. Upon completion of the sixth month the Monthly 

Periodic Rate applied to your account under this agreement is estimated to be 1.499% (as of August 15th 2010). 

 2) The annual percentage rate (APR) may increase or decrease as follows:

(a) 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 Prime Rate will increase the APR and the Monthly 
Periodic Rate applied to your account.

(b) 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.
(c) 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.

 3) Until Bank shall give written notice to the Cardholder on a change therein, the required monthly payment shall be 3 percent (3%) of the outstanding balance 
as of the statement date, with a minimum payment of Ten Dollars ($10.00) or the balance if less than Ten Dollars ($10.00). The outstanding balance may be 
prepaid in whole or in part at any time.  All payments, though credited on the books of the Bank and posted to the Cardholder’s account shall not be considered 
paid until the funds have actually been collected by Bank.

 
 
 
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 $10.00 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 4:30pm 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  extend  credit  to  Cardholder  for  charges,  credit  checks  and  cash  advances  up  to 
Cardholder’s credit limit, as set forth above, Bank further agrees to extend credit to Cardholder for advance amounts and to 
pay for credit insurance premiums, if authorized by Cardholder and offered by Bank up to Cardholder’s credit limit. 

9.   Bank shall have no responsibility for any merchandise purchased or services rendered to Cardholder through the use of 
Cardholder’s Card(s), except as shall be required by law, and any Cardholder agrees to first assert any claims or defenses 
regarding any merchandise or services so purchased against the seller. Bank shall not be responsible by reason of anyone’s 
refusal to honor Cardholder’s Card(s).

10.  This Card is not transferable.
11.  The absence of Cardholder’s signature will not relieve Cardholder from liability for charges incurred through the use of this 

Card.

12.  Use of Card after notice of its revocation is fraudulent and subjects the user to legal proceedings.
13.  Bank will not make cash refunds on charges incurred with this Card.
14.  (a) No interest charge will be imposed on any purchases (excluding cash advances) made during the billing cycle covered 
by a monthly billing statement if the new balance is paid in full by the payment due date shown on such statement and if 
the new balance on the monthly billing statement immediately preceding such statement was paid in full by its payment due 
date. If the new balance on the monthly billing statement immediately preceding the current monthly billing statement was 
not paid in full by its payment due date, or if the new balance on the current monthly billing statement is not paid in full by 
the payment due date, an interest charge will be imposed on Cardholder’s account. Interest charges will be applied on the 
next statement date for any monthly billing statement that interest charges are imposed. Interest charges will be calculated 
according to the “average daily balance” method (paragraph 14(b)). Interest charges begin to accrue on cash advances as 
of the date of the advance. Interest charges begin to accrue on credit checks and credit life insurance premiums on the day 
they are posted to the account. Interest charges begin to accrue on purchases as of the transaction date. 

14.  (b)  If  an  interest  charge  is  imposed  on  Cardholder’s  account,  Bank  will  compute  the  interest  charge  on  Cardholder’s 
account by applying the monthly “periodic rate” to the “average daily balance” of Cardholder’s account (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 options).
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 1% 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.  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 credit card application, or to such other address as Cardholder may 
hereafter designate to Bank.

 
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. 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 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  [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