MASTERCARD CREDIT DISCLOSURES

Introductory Rates - (first 6 months)

• MasterCard: 6.95% APR
• MasterCard Gold: 6.45% APR

Annual Percentage Rate

• MasterCard: Prime plus 5.65% - currently 12.90%
• MasterCard Gold: Prime plus 4.65% - currently 11.90%

Variable Rate Information
Your annual percentage rate may vary and is determined by adding 5.65% for MasterCard standard or 4.65% for MasterCard GOLD to the prime* rate as published in the Wall Street Journal.

Grace period
You have 25 days to repay your balance for purchases before you are charged a finance charge.

No Annual Membership fee
Method of computing the balance for purchases is based on average daily balance including new purchases. Over the limit fee $15.00. Cash advance fee 2% or $2.00. Late payment fee $15.00. Minimum Finance Charge $1.00. *Prime means the Prime Rate listed in the "Money Rate" section of the Wall Street Journal on the 15th day of March, June, September, and December. Any change in the rate will go into effect on the first day of your new billing cycle beginning after the 1st of April, July, October and January, and may result in an increase or decrease in the Finance Charge imposed on your Account. A change in the interest rate may also result in an increase or decrease in your required minimum payment.

The information about the costs of the card described on this site is accurate as of 02/1/2008. This information may have changed after this date. To find out what may have changed, email us or write to us at this address: TrustBank™, P.O. Box 158, Olney, IL 62450.

No applicant may be denied a credit card on account of race, color, religion, national origin, ancestry, age (between 40 & 70), sex, marital status, physical or mental handicap unrelated to the ability to pay or unfavorable discharge from military service. The applicant may request the reason for rejection of his or her application for a credit card. No person need reapply for a credit card solely because of a change in marital status unless the change in marital status has caused a deterioration in the person's financial position. A person may hold a credit card in any name permitted by law that he or she regularly uses and is generally known by, so long as no fraud is intended thereby. Amended by P.A. 81-1215.