INTEREST RATE AND INTEREST CHARGES 
         Annual Percentage Rate(APR) for 
         Purchases            13.74% 
                              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 
                              13.74% 
                              This APR will vary with the market based on the Prime Rate. 
         APR for Cash Advances 
                              26.74% 
                              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 
                              charqinq  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          $ 99 
         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  NONE 
         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 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 5.00% Prime Rate as of  September 17, 2018. 
        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 1.145%. 
        We add 8.74% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate currently 1.145%). 
        B: We add 21.74% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 2.228%). 
        Military Lending APR: Effective 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 
         Purchases            16.74% 
                              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 
                              16.74% 
                              This APR will vary with the market based on the Prime Rate. 
         APR for Cash Advances 
                              26.74% 
                              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 
                              charqinq  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          $99 
         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  NONE 
         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 5.00% Prime Rate as of  September 17, 2018. 
        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 1.395%. 
        We add 11.74% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate currently 1.395%). 
        B: We add 21.74% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 2.228%). 
        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 
        Purchases             19.74% 
                              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 openinq. 
        APR for Balance Transfers 
                              19.74% 
                              This APR will vary with the market based on the Prime Rate. 
        APR for Cash Advances 
                              26.74% 
                              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 dale 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.nov/learnmore 
                                         FEES 
        Annual Fees           $ 99 
        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 NONE 
        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 5.00% Prime Rate as of  September 17, 2018. 
       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 1.645%. 
       We add 14.74% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate currently 1.645%). 
        B: We add 21.74% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 2.228%). 
        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 
                              22.74% 
         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 
                              22.74% 
                              This APR will vary with the market based on the Prime Rate. 
         APR for Cash Advances 
                              26.74% 
                              This APR will varv 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 
                              htto://www.consumerfinance.aov/learnmore 
                                         FEES 
         Annual Fees          $99 
         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 NONE 
         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 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 5.00% Prime Rate as of  September 17, 2018. 
        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 1.895%. 
        We add 17.74% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate currently 1.895%). 
        B: We add 21.74% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 2.228%). 
        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                               and credit life insurance premiums on the day they are posted to the account. Interest 
     1. In the event a Cardholder shall request a replacement card for a lost or stolen card, a fee  charges begin to accrue on purchases as of the transaction date.
     of $15.00 may be charged for each replacement card. This fee will not apply to cards issued  14. (b) If an interest charge is imposed on Cardholder�s account, Bank will compute the 
     as renewal of expired cards.             interest charge on Cardholder�s account by applying the monthly �periodic rate� to the 
     2. You will be charged $5.00 for each original or copied sales slip and duplicate statement  �average daily balance� of Cardholder�s account (including current transactions). To get the 
     you request. We will not charge you for duplicate documents in connection with a billing  �average daily balance,� Bank will take the beginning balance of the account each day and 
     error notice or if our investigation indicates a billing error occurred. add any new purchases (if subject to interest charges as explained above), cash advances 
     3. You will be charged $25.00 for each request for expedited (rush) delivery of a credit card.  (including credit checks) and credit life insurance premiums and subtract any payments or 
     Such fee will cover both the creation of the credit card and delivery expense that is incurred. credits and unpaid interest charges. This gives Bank the daily balance. Then, Bank adds up 
     4. You will be charged $15.00 for each expedited payment request. Expedited payment  all the daily balances for the billing cycle and divides the total by the number of days in the 
     request can be made by telephone via live customer service agent from your checking or  billing cycle. This gives Bank the �average daily balance.�
     savings account. Any incoming request will be recorded. Expedited telephone payments  15. The rate of exchange between the transaction currency and the billable currency used 
     request can be made during normal business hours; Monday thru Friday 8:00am to 5:00pm  for the processing of International MASTERCARD transactions is the (I) wholesale market 
     Central Standard Time.                   rate or (II) government-mandated rate, in effect one day prior to the processing date, 
     5. Annual Fees: The Annual Fee of $99 will be assessed on the ?rst cycle date after account  increased by 1 percent (or the applicable percentage as determined by the Issuer�s selected 
     opening and then annually on the month in which the account was opened. option s). The rate of ex change between the transaction currency and the billable currency 
     CARDHOLDER AGREEMENT                     used for the processing of VISA transactions is as follows. �A rate selected by VISA from the 
     The MASTERCARD/VISA card(s) (hereinafter called Card) enclosed herein is issued by  range of rates available in wholesale currency markets for the applicable central processing 
     THE CENTRAL TRUST BANK, Jefferson City, Missouri who is the Creditor (hereinafter  date, which rate may vary from the rate VISA itself receives, or the government-mandated 
     called Bank) of the person(s) named on the enclosed card(s) (hereinafter called Cardholder)  rate in effect for the applicable central processing date, in each instance, plus or minus any 
     and by the Cardholder signing or using the enclosed card(s), or by using the account  adjustment determined by the issuer.� For each purchase made in a foreign currency we will 
     number stated on the enclosed form, agrees with Bank to all of the following terms and  add an additional interest charge of 0% of the purchase amount after it is converted into U.S. 
     conditions:                              Dollars.
     1. This Card shall remain the property of Bank and shall be surrendered upon Bank�s  16. Bank can change any of the terms of this Agreement (including the periodic rates used 
     request.                                 to compute the interest charge) at any time. The new terms will apply both to new purchases 
     2. Cardholder assumes responsibility for all credit extended through the use of this Card.  and advances, and to the outstanding balance on your account. We will mail you written 
     Cardholders issued the same account number, jointly and severally assume responsibility to  notice of any change at least 45 days before the start of the billing cycle when the change 
     repay all amounts incurred through the use of the account number and applicable interest  will take place.
     charges, and for credit insurance premiums, if authorized by Cardholder. 17. NOTICE REGARDING INACCURATE INFORMATION - As a participant in the consumer 
     3. Cardholder agrees not to incur charges which will result in credit in excess of the credit  reporting system, we furnish information about our experience with you to consumer 
     limit speci?cally authorized by Bank. Charges in excess of the credit limit agreed to by  reporting agencies. These consumer reports allow us to make credit and other opportunities 
     Bank are not permitted and are in breach of the agreement and will be considered fraud.  available to you. If you believe that we have furnished information to a consumer reporting 
     Notwithstanding any language or ?gures to the contrary, the Bank shall have the absolute  agency that is inaccurate, please notify us at the following address and identify the speci?c 
     right to require immediate payment of the entire outstanding balance in excess of the credit  information that is inaccurate: The Central Trust Bank, 238 Madison, Jefferson City, Missouri 
     limit.                                   65101, Attention: BankCard Services.
     4. The use of this account for payment of any illegal purchase is strictly prohibited (ie  18. It shall be an �Event of Default� under this Agreement if: (a) Cardholder fails to make 
     internet gambling, betting or lottery tickets). any payments of billings when due, including without limitation amounts incurred through 
     5. Cardholder agrees to pay, at such place as Bank designates and in accordance with  the use of the Card and applicable interest charges; (b) Cardholder incurs charges by use 
     billings and the current customer payment schedule, amounts incurred through the use of  of the Card in excess of the credit limit speci?cally authorized by Bank; (c) Cardholder 
     this Card and all applicable interest charges as determined by the applicable method of  dies or becomes bankrupt or insolvent; (d) garnishment or attachment proceedings are 
     determination in effect at the time of their assessment. instituted against Cardholder; or (e) Cardholder fails to pay or perform any other obligations, 
     6. In case this Card is lost or stolen, Cardholder agrees to promptly notify Bank by telephone  agreements, or conditions provided in this agreement.
     and to immediately con?rm such notice in writing. The Cardholder shall have no liability for  19. Upon the occurrence of an �Event of Default�, Bank may, at its option; (a) immediately 
     unauthorized use of the Card.            demand payment in full of all obligations of Cardholder arising out of or in any way related 
     7. This Card, and the privileges thereunder, may be canceled at any time without notice. to the Card; (b) set off any obligations of Cardholder against any right of Cardholder to the 
     8. In addition to Bank�s agreement to ex tend credit to Cardholder for charges, credit checks  payment of money from Bank; (c) exercise any and all remedies available to Bank at law, in 
     and cash advances up to Cardholder�s credit limit, as set forth above, Bank further agrees to  equity, or under this agreement. By choosing any one of the forgoing remedies, Bank does 
     ex tend credit to Cardholder for advance amounts and to pay for credit insurance premiums,  not waive its right to subsequent use of another remedy. Bank does not waive an �Event of 
     if authorized by Cardholder and offered by Bank up to Cardholder�s credit limit. Default� if Bank does not choose to use any remedy, and, by electing not to use any remedy, 
     9. Bank shall have no responsibility for any merchandise purchased or services rendered to  Bank does not waive its right to later declare an
     Cardholder through the use of Cardholder�s Card(s), except as shall be required by law, and  �Event of Default� and to use any remedies available to Bank. Bank shall be entitled to 
     any Cardholder agrees to ?rst assert any claims or defenses regarding any merchandise  the reasonable costs of collection, including but not limited to reasonable attorney fees for 
     or services so purchased against the seller. Bank shall not be responsible by reason of  attorneys who are not Bank employees.
     anyone�s refusal to honor Cardholder�s Card(s). 20. Any notice, demand or request by Bank to Cardholder, shall be in writing and shall be 
     10. This Card is not transferable.       deemed to have been duly given or made if mailed to address set forth in Cardholder�s credit 
     11. The absence of Cardholder�s signature will not relieve Cardholder from liability for  card application, or to such other address as Cardholder may hereafter designate to Bank.
     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 
     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 b ill, 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.net
     2. Within 90 days of receiving your letter, we must either correct the error or explain to you  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.