PaychekPLUS! Select® MasterCard® D.

Be liable for any transactions made by a person you authorize or permit to

use your Card and/or PIN. If you permit someone else to use your Card, we will
E. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for
similar purchases, the merchant may preauthorize the transaction amount for the
10. Other Terms
A. Central Bank may transfer their rights under this Arrangement.
Prepaid Card Cardholder Agreement treat this as if you have authorized this person to use your Card and you will be purchase amount plus up to 20% or more to ensure there are sufficient funds B. Use of your Card is subject to all applicable rules and customs of any
responsible for any transactions initiated by such person with your Card. available to cover tips or incidental expenses incurred. Any preauthorization clearinghouse or other association involved in transactions.
IMPORTANT - PLEASE READ CAREFULLY 3. Your employer may load (deposit) funds onto your Card at any amount will place a “hold” on your available funds until the merchant sends us C. Central Bank does not give up their rights by delaying or failing to exercise
time. This will cause monies to be deposited onto your Card that are the final payment amount on your purchase. Once the final payment amount is them at anytime.
Terms and Conditions for PaychekPLUS! Select MasterCard prepaid card. available for use by you to make designated transactions. received, the preauthorization amount on hold will be removed. It may take up D. If any term of this Arrangement is found by a court to be illegal or not
By using The PaychekPLUS! Select MasterCard prepaid card (“Card”), you are to five (5) days for the hold to be removed. During the hold period, you will not enforceable, all other terms will still be in effect.
bound by the terms and conditions contained in this document which will govern SCHEDULE OF CARDHOLDER FEES have access to the preauthorized amount.
your use of your Card. In this document, “Card” means all cards issued by Central 11. Error Resolution
Trust Bank (“Bank”) which maintains your PaychekPLUS! Select MasterCard Fees Per Card Amount 5. Returns and Refunds A. The Following Notice Contains Information About Your Right to Dispute Errors
account. Your Card will feature the MasterCard logo. “You” and “Your” means the If you are entitled to a refund for any reason for goods or services obtained with your 1. In case of errors or questions about your electronic transactions, call
person(s) who have received the Card from Central Bank and are authorized to use Purchases PIN and Signature (Domestic) FREE Card, you agree to accept credits to your Card in place of cash. 1-866-404-0330 or write to Cardholder Services P O Box 551617 Jacksonville,
the Card as provided for in this document. Please read this document carefully and FL 32255, as soon as you can if you think your statement or receipt is wrong
International Purchases PIN and Signature $1.00 6. Payment or if you need more information about a transaction listed on the statement
keep it for future reference. Each time you use your Card, we will deduct the amount of the transaction from the or receipt. Central Bank must hear from you no later than 60 days after your
Purchase Decline Fee (Domestic & International) $0.50 Card. You are not allowed to exceed the funded balance available on your Card by any FIRST STATEMENT became available on which the problem or error appeared.
Definition individual or series of purchases. Nevertheless, if you make a purchase which exceeds
Your Card accesses a special account that has been opened on your behalf by your ATM Withdrawal (Domestic)1 $1.75
the balance on your Card (an “overdraft”), you shall remain fully responsible for the B. When you call or write, include the following:
Employer. The Card does not connect in any way to your or any other checking or ATM Balance Inquiry Fee $0.50 amount of your purchase or withdrawal which exceeded the balance available on your 1. Your name and the last four digits of your MasterCard card number.
savings account. Your Card is a stored value Debit MasterCard card and will offer Card. Central Bank also reserves the right to automatically debit such overdrafts from 2. The dollar amount of the suspected error.
all of the payment capabilities of a debit card. ATM Decline Fee (NSF) $0.50 current or future Card loads (deposits) if we have such opportunity. In such case, you 3. The date the transaction occurred.
agree to be responsible for payment to us for all overdrafts. 4. Describe the error or the transaction you are unsure about and explain
Authorized Users: You may also permit another person to have access to your International ATM Withdrawal Fee $3.50 as clearly as you can why you believe it is an error or why you need more
Card or Card number. However, if you do, you are liable for all transactions made 7. Using Your Card in a Foreign Country information.
with the Card or Card number by those persons. You must notify us to revoke International ATM Balance Inquiry Fee $1.00
The amount of any transaction in a foreign currency will be converted to U.S.
permission for any person you previously authorized to use your Card. You are International ATM Decline Fee (NSF) $1.00 dollars. The by-laws and rules of MasterCard determine the exchange rate for this C. If you call, we also require you to send us your complaint or question in
responsible for all transactions and fees incurred by you or any other person you transaction. Central Bank’s cost for the transaction will be calculated as the sum writing within ten (10) business days after we speak with you.
have authorized. If you tell us to revoke another person’s use of your Card, we may Over the Counter Cash Advance 1
$5.00 of the following: (a) The amount in the foreign currency times an exchange rate in
revoke your Card and issue a new Card with a different number. You are wholly effect one day prior to the processing date that is: 1) a wholesale market rate, or D. Generally, we will tell you the results of their investigation within 10 business
responsible for the use of each Card according to the terms of this Agreement. ACH Transfer to Bank Account1 $1.50 2) the government-mandated rate (the result of this calculation is called the “base days after we hear from you and will correct any error promptly. If we have not
dollar amount”), plus (b) one percent (1%) times the base dollar amount. The completed their investigation in that time, we will provide you with provisional
Personal Identification Number (“PIN”): Central Bank may, at their option, Website Account Access FREE credit in the amount of the possible error. If we do need more time to complete
amount we will charge your Card will be our cost for the transaction.
give you a Personal Identification Number (“PIN”). If we give you a PIN, you may the investigation, we may take up to 45 days to investigate your questions. As we
use your Card, (i) to obtain Cash from any Automated Teller Machine (“ATM”) or IVR Account Access2 $0.50
8. Loss, Theft or Unauthorized Use require that complaints or questions be submitted in writing, if we do not receive
(ii) at any Point-of-Sale (POS) device which requires entry of a PIN, that bears the Live Agent Customer Service FREE A. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen. your complaint or question in writing, we will not offer provisional credit to you,
MasterCard, Allpoint and Cirrus brands. All ATM transactions are treated as Cash Telephoning us is the best way of keeping your possible losses down. You although we will still investigate your complaint or question. For errors involving
withdrawal transactions. You should not write or keep your PIN with your Card. If First upgrade from Instant Issue to Personalized card FREE could lose all the money on your Card. If you tell us within two business days, new Cards (open less than 30 days), point of sale, or foreign-initiated transactions,
you believe that anyone has gained unauthorized access to your PIN, you should you can lose no more than $50 if someone used your Card or PIN without your we may take up to 90 days to investigate your complaint or question. For new
advise us immediately, following the procedures in the paragraph labeled “Loss, Card Replacement $5.00 permission. If you do NOT tell us within two business days after you learn of Cards, we may take up to 20 business days to credit your Card for the amount
Thefts or Unauthorized Use” the loss or theft of your Card or PIN, and we can prove we could have stopped you think is in error.
Negative Balance Fee $0.00 someone from using your Card or PIN without your permission if you had told
Loading Your Card: Funds can be added to your Card at any time through direct us, you could lose as much as $500. If your statement shows transactions that E. If we decide there was no error, we will send you a written explanation within
Inactivity Fee (Monthly after 6 months of no financial $2.95 you did not make, tell us at once. If you do not tell us within 60 days after the
deposit from your employer or other payor via ACH. The amount of each load must activity) 3 business days after we finish their investigation. You may ask for copies of
be at least $10.00. (There is no limit on the number of times you may value load statement was made available to you or mailed to you, you may not get back any the documents used in their investigation. If we have issued provisional credit
your Card.) You agree to present the Card and meet identification requirements to money you lost after the 60 days if we can prove that we could have stopped
On-line Statements FREE someone from taking the money if you had told us in time. Exceptions may be to you and there is no error, we will give you advance notice of the amount and
complete load transactions as may be required from time to time. date of the debit against your Card for that credit.
Paper Statements (Mailed) - Optional to Cardholder $1.50 made due to extenuating circumstances.
FDIC Insurance: All value on the Card is shown in U.S. dollars. If the card is 12. The Banks’ Legal Right To Change Or Cancel The Arrangement
registered, the unused value of the Card balance accessible by the Card is insured Text Alerts FREE B. As a MasterCard cardholder you will not be held liable in the event of an A. Amendment and Cancellation
by the Federal Deposit Insurance Corporation, in accordance with FDIC Rules. unauthorized use of your Card. This coverage extends to purchases made in a 1. Central Bank may at any time change or repeal these terms and conditions
Post Office Money Order1 FREE + USPS Fee store, over the telephone, or online. Zero Liability is provided under the following with the approval of the employer. You will be notified of any change in the
How to Use Your Card conditions: manner provided by applicable law prior to the effective date of the change.
1
Cardholder will receive the first of the withdrawal transactions for free following the pay load. • Your account is in good standing
1. You are able to use your Card to: 2
First two calls per payload are free. However, if the change is made for security purposes, we can implement such
A. Pay for purchases at retail establishments and similar places that have agreed • You have exercised reasonable care in safeguarding your card change without prior notice.
to accept the Card (“point-of-sale transactions”). • You have not reported two or more unauthorized events in the past 12 months
i. Credit transactions can be processed for the amount of purchase only and Important Information About Using Your Card Zero liability does not apply if a PIN is used as the cardholder verification for the B. Central Bank may cancel or suspend this Arrangement or any features or
may require your signature. 4. Failure to Complete Transactions unauthorized transaction(s). services of the Card described herein at any time. The Card remains their
A. Central Bank is not able to complete any transaction for which adequate funds property. Central Bank may cancel your right to use the Card at any time.
ii. Debit transactions can be processed for the amount of purchase plus cash are not available on your Card according to the operating and network rules of
back where available. C. If you believe your Card has been lost or stolen or has unauthorized usage,
the Card program. call us at 1-866-404-0330 or write to Cardholder Services P O Box 551617 13. Central Trust Bank Privacy Pledge
B. Get cash from tellers at banks displaying the MasterCard logo or at automated Jacksonville, FL 32255. Central Bank will close it and issue a new Card to you, A. WHAT DOES CENTRAL BANCOMPANY DO WITH YOUR PERSONAL
B. Likewise, we are not responsible for delays in money being deposited to your if appropriate.
teller machines (ATMs) displaying the debit MasterCard logo. Card by your employer. INFORMATION?

2. Use of Card, PIN and Terminal. C. Central Bank is not responsible if you do not have enough money on your D. Your Card may not be used for any unlawful purpose (for example, funding Why? Financial companies choose how they share your share your personal
You will select a Personal Identification Number (PIN) which will allow you to use Card to complete a particular transaction. You may, however, split your purchases any Card that is set up to facilitate on-line gambling). You agree that you will not information. Federal law gives consumers the right to limit some, but not all, sharing.
the Card. You can activate your Card by calling us at 1-866-404-0330. The Card between the Card and another credit or debit card or cash. If you are uncertain as use your Card for any transaction that is illegal under applicable law. Federal law also requires us to tell you how we collect, share, and protect your
and PIN are provided for your use and protection, and you agree to: to your exact balance, you can sign up for Text Alerts which will allow you to text personal information. Please read this notice carefully to understand what we do.
A. Not disclose the PIN nor record it on the Card or otherwise make it available “BAL” on your cell phone to 90831 and get your balance instantly. You can also visit 9. Monitoring Account Activity and Balance:
to anyone else; www.paychekplus.com or call customer service at 1-866-404-0330 to verify A. Call 1-866-404-0330 anytime 24/7 What? The types of personal information we collect and share depend on the
your balance prior to attempting to make a purchase. B. Visit the website www.paychekplus.com product or service you have with us. This information can include:
B. Use the Card, the PIN and any terminal as instructed; C. Sign up for Text Alerts • Social Security number and income
D. Neither we nor any other bank or business are liable to you for not accepting D. Request a written statement of account activity by writing to us at Cardholder • account balances and payment history
C. Promptly notify us of any loss or theft of your Card or PIN; and or honoring the Card. Services P O Box 551617 Jacksonville, FL 32255, Attention: Customer Service • credit history and transaction history
How? All financial companies need to share customers’ personal information to Why can’t I limit all sharing? Federal law gives you the right to limit only 17. Arbitration and Application of Law
run their everyday business. In the section below, we list the reasons financial sharing for affiliates’ everyday business purposes - A. In the event of any dispute or claim relating in any way to this Agreement or
companies can share their customers’ personal information; the reasons Central • information about your creditworthiness services provided, you agree that such dispute shall be resolved by binding
Bancompany chooses to share; and whether you can limit this sharing. Privacy • affiliates from using your information to market to you arbitration with the American Arbitration Association, utilizing the rules of
Definitions: Affiliates Companies related by common ownership or control. They • sharing for nonaffiliates to market to you procedure of such arbitration service. Further, that any arbitration shall take
can be financial and nonfinancial companies. State laws and individual companies may give you additional rights to limit sharing. place in Jefferson City, Missouri and that the laws of the State of Missouri shall
• Our affiliates include companies who are members of Central Bancompany; apply. The decision of an arbitrator will be final and subject to enforcement in
financial companies such as trust, credit card and insurance. What happens when I limit sharing for an account I hold jointly with a court of competent jurisdiction.
someone else? Your choices will apply to everyone on your account unless you
Nonaffiliates Companies not related by common ownership or control. They can be advise us otherwise.
financial and nonfinancial companies.
• Central Bancompany does not share with nonaffiliates so they can market List of Affiliates
to you. Central Bank
Investor Services Insurance, Inc.
Joint marketing A formal agreement between nonaffiliated financial companies that Jefferson Bank of Missouri
together market financial products or services to you. City Bank
• Central Bancompany does not jointly market. First National Bank of St. Louis
Boone County National Bank
Reasons we can share personal Does Central Can you limit Empire Bank
information Bancompany this sharing? Central Trust & Investment Company
share? Ozark Mountain Bank
Third National Bank
For our everyday business purposes Yes No First National Bank of Audrain County

PaychekPLUS! Select®
- such as to process your transactions, Central Mortgage Company
maintain your account(s), respond to court Metcalf Bank
orders and legal investigations, or report to Central Trust & Investment Company

MasterCard® Card
credit bureaus ONB Bank & Trust Company
First Central Bank
For our marketing purposes - to Yes No Dogwood Insurance Agency, L.L.C.
offer our products and services to you
For joint marketing with other
financial companies
No We don’t share
14. Additional Card Program Information
A. Program Information
1. You are participating in a program authorized by your employer that may
State of Missouri Payroll
For our affiliates’ everyday Yes No have to be discontinued at some time in the future. In the event the
business purposes - information PaychekPLUS MasterCard program is discontinued, you will be notified in
about your transactions and experiences advance. Your Card will remain serviceable until the funds remaining on the
Card are exhausted.
For our affiliates’ everyday Yes Yes
business purposes - information 2. Central Bank provides this program and may contact you from time to time
about your creditworthiness
For our affiliates to market to Yes Yes
about this service.

15. Financial Institution’s Liability

Cardholder Terms
and
you A. If we do not complete a transfer to or from your Card on time or in the correct
amount according to their Arrangement with your employer, we will be liable for
For our nonaffiliates to market No We don’t share your losses and damages. However, there are some exceptions. Central Bank

Conditions for Use

to you will not be liable, for instance:
1. If, through no fault of theirs, you do not have enough money on your
To limit our sharing: Card to make the purchase, withdrawal or transfer.
You may contact us at Central Bank, ATTN: Stored Value, 111 E. Miller St., Jefferson
City, MO 65101
2. If the automated teller machine where you are making the withdrawal does
not have enough cash.
(Effective 1/15/12)
3. If the terminal system was not working properly and you knew about the
Please Note: If you are a new customer, we can begin sharing your information breakdown when you started the purchase or withdrawal.
30 days from the date we sent this notice. When you are no longer our customer we 4. If circumstances beyond our control (such as fire or flood) prevent the
continue to share your information a described in this notice. purchase or withdrawal, despite reasonable precautions that we have taken.

Questions? Call 1-(877) 268-1071 or go to www.selectamenity.com. 16. Role of Your Employer

A. Your employer is responsible for transferring funds to Central Bank to deposit
Who is providing this notice? Central Bancompany and its affiliates (Please see onto your Card according to the schedule agreed to by your employer and
below for, “List of Affiliates”) Central Bank. Central Bank has no obligation to you in the event your employer
delays in providing or fails to provide funds to fund your Card.
How does Central Bancompany protect my personal information? To
protect your personal information from unauthorized access and use, we use B. Your employer may retain the right to deduct funds from the funds stored on
security measures that comply with federal law. These measures include computer the Card in order to correct a previous error or overpayment to you or for other
safeguards and secured files and buildings. reasons. You hereby authorize Central Bank to accept instructions from your
employer to add or deduct funds from your Card, and in the case of a deduction
How does Central Bancompany collect my personal information? We to return those funds to your employer. If you have a dispute with your employer
collect your personal information, for example, when you about the amount that the employer loads onto or deducts from the Card, you
• open an account or deposit money agree to not involve Central Bank in that dispute and to resolve that dispute
• pay your bills or apply for a loan solely with your employer.
• use your credit or debit card
We also collect your personal information from others, such as credit bureaus,
affiliates, or other companies. 0326330353