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 ofn$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.
5. Annual Fees: The Annual Fee of $99 will be assessed on the first cycle date 
after account opening and then annually on the month in which the account 
was opened.

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  inte  rest  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 agre ed 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  ex  tend  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 beimposed 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 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 ex 
change 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 0% 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 credit card application, or to such other address as 
Cardholder may hereafter designate to Bank.