INTEREST RATE AND INTEREST CHARGES
          Annual Percentage Rate(APR) for
                               20.99%
          Purchases
                               after the promotional period.
                               This APR will vary with the market based on the Prime Rate.
                               0.00%
                               Introductory rate for 6 months from the date your account is opened.
          APR for Balance Transfers
                               20.99%
                               This APR will vary with the market based on the Prime Rate.
          APR for Cash Advances
                               20.99%
                               This APR will vary with the market based on the Prime Rate.
          How to avoid paying interest on Your due date is at least 25 days after close of each billing cycle. We will not charge you interest
           purchases          on purchases if you pay entire balance by the due date each month. We will begin charging
                               interest on cash advances and balance transfers on the transaction date.
          Minimum Interest Charge If you are charged periodic interest, the charge will be no less than $1.50.
          For Credit Card Tips from the Consumer To learn more about factors to consider when applying for or using a credit card, visit the website
          Financial Protection Bureau of the Consumer Financial Protection Bureau at
                              http://www.consumerfinance.gov/learnmore
                                         FEES
          Annual Fees          NONE
          Transaction Fees
          ? Balance Transfer  Either $10 or 4% of the amount of each transfer, whichever is greater (maximum fee: $100).
          ? Cash Advance       Either $10 or 4% of the amount of each transfer, whichever is greater (maximum fee: $100).
          ? Foreign Fees       1% of each transaction in U.S. dollars.
          Penalty Fees
          ? Late Payment       Up to $25
          ? Over-the-Credit-Line NONE
          ? Returned Payment  Up to $25
          How We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases)�. See your Card
          Regulations for more details.
          Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Regulations.
          Loss of Introductory APR: We may end your introductory APR and apply the Annual Percentage Rate for purchases if you make a late
           payment.
           How We Will Calculate Your Variable APRs: The APR will be determined separately for each monthly statement and any increase or
          decrease will take effect on the first day of the billing cycle in which the change occurs. The APR in effect for each billing cycle will be equal to
           the Prime Rate plus 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 3.25% Prime Rate as of February 15, 2014
           A: The initial monthly periodic rate applied to your account under this agreement will be 0.00% for six statement cycles after account opening.
           Upon completion of the sixth statement cycle the Monthly Periodic Rate applied to your account under this agreement is estimated to be
           1.749%
           B: We add 17.74% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate currently 1.749%).
           C: We add 17.74% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 1.749%).
                         BankCard Services- Card Regulations 
      OTHER FEES                            interest charges. This gives Bank the daily balance. Then, Bank adds up all the daily balances for the 
      1. In the event a Cardholder shall request a replacement card for a lost or stolen card, a fee of  billing cycle and divides the total by the number of days in the billing cycle. This gives Bank the 
      $15.00 may be charged for each replacement card. This fee will not apply to cards issued as  �average daily balance.� 
      renewal of expired cards.             15. The rate of ex change between the transaction currency and the billable currency used for the 
      2. You will be charged $5.00 for each original or copied sales slip and duplicate statement you  processing of  International  MASTERCARD  transactions  is  the  (I)  wholesale  market  rate or  (II) 
      request. We will not charge you for duplicate documents in connection with a billing error notice  government-mandated rate, in effect one day prior to the processing date, increased by 1 percent (or 
      or if our investigation indicates a billing error occurred.  the applicable percentage as determined by the Issuer�s selected options). The rate of ex cha nge 
      3. You will be charged $25.00 for each request for expedited (rush) delivery of a credit card.  between  the  transaction  currency  and  the  billable  currency  used  for  the  processing  of  VISA 
      Such fee will cover both the creation of the credit card and delivery expense that is incurred.  transactions is as follows. � A rate selected by VISA from the range of rates available in wholesale 
      4. You will be charged $10.00 for each expedited payment request. Expedited payment request  currency markets for the applicable central processing date, which rate may vary from the rate VISA 
      can be made by telephone via live customer service agent from your checking or savings  itself receives, or the government-mandated rate in effect for the applicable central processing date, in 
      account. Any incoming request will be recorded. Expedited telephone payments request can be  each instance, plus or minus any adjustment determined by the issuer.� For each purchase made in a 
      made during normal business hours; Monday thru Friday 8:00am to 5:00pm Central Standard  foreign currency we will add an additional interest charge of 1% of the purchase amount after it is 
      Time.                                 converted into U.S. Dollars. 
      CARDHOLDER AGREEMENT                  16. Bank can change any of the terms of this Agreement (including the periodic rates used to compute 
      The MASTERCARD/ VI SA card(s) (hereinafter called Card) enclosed herein is issued by THE  the interest charge) at any time. The new terms will apply both to new purchases and advances, and 
      CENTRAL TRUST BAN K, Jefferson City, Missouri who is the Creditor (hereinafter called Bank)  to the outstanding balance on your account. We will mail you written notice of any change at least 45 
      of the person(s) named on the enclosed card( s) (hereinafter called Cardholder) and by the  days before the start of the billing cycle when the change will take place. 
      Cardholder signing or using the enclosed card(s), or by using the account number stated on the  17. NOTICE REGARDIN G INACCURAT E INFOR MATION-As a participant in the consumer reporting 
      enclosed form, agrees with Bank to all of the following terms and conditions:  system, we furnish information about our ex perience with you to consumer reporting agencies. These 
      1. This Card shall remain the property of Bank and shall be surrendered upon Bank�s request.  consumer reports allow us to make credit and other opportunities available to you. If y ou believe that 
      2.  Cardholder assumes  responsibility  for all  credit  ex tended  through  the  use  of  this  Card.  we have furnished information to a consumer reporting agency that is inaccurate, please notify us at 
      Cardholders issued the same account number, jointly and severally assume responsibility to  the following address and identify the specific information that is inaccurate: The Central Trust Bank, 
      repay all amounts incurred through the use of the account number and applicable interest  238 Madison, Jefferson City, Missou ri 65101, Attention: BankCard Services. 
      charges, and for credit insurance premiums, if authorized by Cardholder.  18. It shall be an � Event of Default� under this Agreement if: (a) Cardholder fails to make any 
      3. Cardholder agrees not to incur charges which will result in credit in ex cess of the credit limit  payments of billings when due, including without limitation amounts incurred through the use of the 
      specifically authorized by Bank. Charges in ex cess of the credit limit agreed to by Bank are not  Card and applicable interest charges; (b) Cardholder incurs charges by use of the Card in ex cess of 
      permitted and are in breach of the agreement and will be considered fraud. Notwithstanding any  the credit limit specifically authorized by Bank; (c) Cardholder dies or becomes bankrupt or insolvent; 
      language or figures to the contrary, the Bank shall have the absolute right to require immediate  (d) garnishment or attachment proceedings are instituted against Cardholder; or (e) Cardholder fails to 
      payment of the entire outstanding balance in ex cess of the credit limit.  pay or perform any other obligations, agreements, or conditions provided in this agreement. 
      4. The use of this account for payment of any illegal purchase is strictly prohibited (ie internet  19. Upon the occurrence of an � Event of Default� , Bank may, at its option; (a) immediately demand 
      gambling, betting or lottery tickets).  payment in full of all obligations of Cardholder arising out of or in any way related to the Card; (b) set 
      5. Cardholder agrees to pay, at such place as Bank designates and in accordance with billings  off any obligations of Cardholder against any right of Cardholder to the payment of money from Bank; 
      and the current customer payment schedule, amounts incurred through the use of this Card and  (c) exercise any and all remedies available to Bank at law, in equity, or under th is agreement. By 
      all applicable interest charges as determined by the applicable method of determination in effect  choosing any one of the forgoing remedies, Bank does not waive its right to subsequent use of 
      at the time of their assessment.      another remedy. Bank does not waive an � Event of Default� if Bank does not choose to use any 
      6. In case this Card is lost or stolen, Cardholder agrees to promptly notify Bank by telephone and  remedy, and, by electing not to use any remedy, Bank does not waive its right to later declare an 
      to  immediately  confirm  such  notice  in  writing.  The  Cardholder  shall  have  no  liability  for  � Event of Default� and to use any remedies available to Bank. Bank shall be entitled to the reasonable 
      unauthorized use of the Card.         costs of collection, including but not limited to reasonable attorney fees for attorneys who are not Bank 
      7. This Card, and the privileges thereunder, may be canceled at any time without notice.  employees. 
      8. In addition to Bank�s agreement to ex tend credit to Cardholder for charges, credit checks and  20. Any notice, demand or request by Bank to Cardholder, shall be in writing and shall be deemed to 
      cash advances up to Cardholder�s credit limit, as set forth above, Ba nk further agrees to ex tend  have been duly given or made if mailed to address set forth in Cardholder�s credit card application, or 
      credit to Cardholder for advance amounts and to pay for credit insurance premiums, if authorized  to such other address as Cardholder may he reafter designate to Bank. 
      by Cardholder and offered by Bank up to Cardholder�s credit limit.    
      9. Bank shall have no responsibility for any merchandise purchased or services rendered to    
      Cardholder through the use of Cardholder�s Card(s), 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 (ex cluding cash a dvances) made    
      during the billing cycle covered by a monthly billing statement if the new balance is paid in full by    
      the payment due date shown on such statement and if the new balance on the monthly billing    
      statement immediately preceding such statement wa s 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 nex t 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 inte rest charges as ex plained above), cash advances (including credit    
      checks) and credit life insurance premiums and subtract any payments or credits and unpaid    
       
                                             
       YOUR BILLING RI GHTS: KEEP THIS DOCU MENT F OR FUTURE USE  � If we do not believe there was a mistake: You will ha ve to pay the amount in question, along with 
      This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.  applicable interest and fees. 
      WHAT TO DO IF YOU F IND A MIST AKE ON YOUR STAT EMENT  We will send you a statement of the amount you owe and the date payment is due. We may then 
      If you think there is an error on your statement, write to us at: The Central Trust Bank, Attn:  report you as delinquent if you do not pay the amount we think you owe. 
      BankCard Services, PO Box 779, Jefferson City MO 65102. You may also contact us on the  If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days 
      web: www.bankcardcenter.net           telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also 
      In your letter, give us the following information:  reporting that you are questioning your bill. We must tell you th e name of anyone to whom we reported 
      � Account information: Your name and account number  you as delinquent, and we must let those organizations know when the matter has been settled 
      � Dollar amount: The dollar amount of the suspected error.  between us. 
      � Description of problem: If you think there is an error on your bill, describe what you believe is  If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you 
      wrong and why you believe it is a mistake.  question even if your bill is correct. 
      You must contact us:                  YOUR RI GHTS IF YOU AR E DI SSATISF IED WITH YOUR CREDIT C ARD PURCH ASES 
      � Within 60 days after the error appeared on your statement  If you are dissatisfied with the goods or services that you have purchased with your credit card, and 
      � At least 3 business days before an automated payment is scheduled, if you want to stop  you have tried in good faith to correct the problem with the merchant, you may have the right not to 
      payment on the amount you think is wrong.  pay the remaining amount due on the purchase. 
      You must notify us of any potential errors in writing [or electronically]. You may call us, but if you  To use this right, all of the following must be true: 
      do we are not required to investigate any potential errors and you may have to pay the amount in  1. The purchase must have been made in your home state or within 100 miles of your current mailing 
      question.                             address,  and  the  purchase price  must  have  been  more  than $50.  (Note:  Neither of  these  are 
      WHAT WILL HAPPEN AFT ER WE RECEIVE YOUR LETTER  necessary if your purchase was based on an advertisement we mailed to you, or if we own the 
      When we receive your letter, we must do two things:  company that sold you the goods or services.) 
      1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will  2. You must have used your credit card for the purchase. Purchases made with cash advances from 
      also tell you if we have already corrected the error.  an ATM or with a check that accesses your credit card account do not qualify. 
      2. Within 90 days of receiving your letter, we must either correct the error or ex plain to you why  3. You must not yet have fully paid for the purchase. 
      we believe the bill is correct.       If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing 
      While we investigate whether or not there has been an error:  [or electronically] at: The Central Trust Bank, Attn: BankCard Services, PO Box 779, Jefferson City 
      � We cannot try to collect the amount in question, or report you as delinquent on that amount.  MO 65102. You may also contact us on the web: www.bankcardcenter.net 
      � The charge in question may remain on your statement, and we may continue to charge you  While we investigate, the same rules apply to the disputed amount as discussed above. After we finish 
      interest on that amount.              our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do 
      � While you do not have to pay the amount in question, you are responsible for the remainder of  not pay, we may report you as delinquent. 
      your balance.                         Other Important Information 
      � We can apply any unpaid amount against your credit limit.  Lost and Stolen (24 hrs.): (80 0) 445-9272 
       After we finish our investigation, one of two things will happen:  Customer Service (24 hrs.): (800) 445-9272 
      � If we made a mistake: You will not have to pay the amount in question or any interest or other  Past Due Accounts: (800) 626 -8010 
      fees related to that amount.          View account activity or sign up for electronic statement: www.BankCardCenter.net