CARDHOLDER AGREEMENT 
                                               
                                               
                                                    
                                               
     
    This Agreement is for your Account with Commerce Bank, and the  PAYMENT OPTIONS 
    Card(s) which has/have been given to you in connection with your  You may pay the new balance shown on your Statement each month or  
    Account.  Such Account and Card(s) provide you with credit card  you may pay in monthly installments.  If you decide to pay in monthly 
    services and ATM Services.  �You� and �your� mean any applicant for the  installments, you must pay at least the minimum payment on your 
    Account and any person using the Account and/or related Card(s) with  Statement.  The minimum payment will be the greater of: 
    the expressed or implied permission of any of the applicants.  Any   
    person whose name appears on the Account for the Card(s)  ?  $30.00 or the full amount of your total balance if it is less than 
    accompanying this Agreement consents, either by using or permitting  $30.00; or 
    another to use the Card(s), to all provisions of this Agreement.  �We�,  ?  1.00% of your new balance plus any amounts that are past due, 
    �us� and �our� means Commerce Bank, our successors and assigns.    plus Fees (excluding Balance Transfer and/or Convenience Check 
                                                Fees) and Interest Charges accumulated during the billing period. 
    In this Agreement:                           
    Account is your credit card account.      When a payment is posted to your Account, we reserve the right to 
    Annual Fee is a fee charged on a yearly basis for your continued use of  restrict or delay all or part of the available credit created by the payment.  
    the Account.                              The restriction or delay of the available credit is for risk management or 
    APR is Annual Percentage Rate.            other related purposes, including but not limited to protection against 
    ATM is Automated Teller Machine. 
                                              actual or potential fraudulent activities or unauthorized transactions.  
    Business Days are Monday through Friday.  Federal holidays are not 
                                               
    included. 
                                              OVERDRAFT PROTECTION 
    Card is the credit card(s) given to you in connection with your Account. 
                                              If you select overdraft protection, a Cash Advance will be made to cover 
    Cash Advance includes: 
                                              an overdraft in your designated Commerce Bank deposit account.  Such 
      � Non-Overdraft Cash Advance � advance made by means of an 
                                              Overdraft Cash Advances will be in the amount of $50.00 or multiples of 
      electronic device or machine, or a financial institution teller, or for the 
                                              $50.00.  If the designated deposit account is a joint account, you will be 
      purchase of wire transfers, non-U.S. currency, travelers� checks, 
                                              liable for all overdrafts on the account regardless of which joint account 
      money orders, lottery tickets and casino gaming chips. 
                                              owner caused, or benefited from the overdraft.  Each Overdraft Cash 
      � Overdraft Cash Advance � advance made by means of overdraft 
                                              Advance is at our discretion.  We are not liable or responsible for any 
      protection. 
                                              check drawn that may for any reason be returned or otherwise 
      � Balance Transfer � advance made when transferring a balance 
                                              dishonored.  We may cancel this overdraft feature at any time without 
      from another creditor to your Account. 
                                              notice. 
      � Convenience Check � check used to make a Cash Advance on 
                                               
      your Account. 
                                              BALANCE ON WHICH INTEREST CHARGE IS CALCULATED 
    Charges are costs imposed as part of this Agreement and include both 
                                              If you accrue any Interest Charge on your Account at a variable rate, that 
    interest and fees.   
                                              rate will be calculated by adding a margin to the Prime Rate.  Please see 
    Daily Balance is determined, for each day in the billing cycle, by taking 
                                              the ACCOUNT OPENING DISCLOSURE, which is part of this 
    the beginning balance, adding any new transactions or other debits, and 
                                              Agreement, for specific information regarding the APRs used to 
    subtracting any payments or other credits. 
                                              compute your Interest Charges. 
    Daily Periodic Rate is the APR divided by 365. 
                                               
    Fees are non- interest Charges, including transaction fees.  
                                              We calculate your Daily Balance for each day in the billing cycle by 
    Grace Period means the period of time during a billing cycle when you 
                                              taking your beginning balance, adding any new transactions or other 
    will not accrue Interest Charges on certain transactions or balances. 
                                              debits, and subtracting any payments or other credits.  We multiply the 
    Interest Charges are the portion of Charges attributed to periodic 
                                              Daily Balance by the Daily Periodic Rate to get your Interest Charges for 
    interest rates. 
                                              that day.  We add these Interest Charges to your Daily Balance to get 
    Participation Fee is a fee charged for added service or functionality on 
                                              the beginning balance for the next day.  We do this for all days on which 
    your Account. 
                                              you have a balance owing on the Account, disregarding any credit 
    PIN is Personal Identification Number. 
                                              balance, for the billing cycle. 
    Prime Rate is the U.S. Prime Rate published in The Wall Street Journal 
                                               
    in its column called �Money Rates� on the last Business Day of each 
                                              We add all the daily Interest Charges and round the sum to the next 
    month. 
                                              highest cent to get your total Interest Charges for that billing cycle.  We 
    Promotional Balance is the balance subject to the Promotional Rate.  
                                              do this calculation separately for each type of balance. 
    Balances subject to Introductory Rates are included. 
                                               
    Promotional Rate is a rate other than the standard rate, tied to a special 
                                              The Prime Rate used to determine the APR on your Account is the U.S. 
    offering.  A Promotional Rate offered when you open your Account may 
                                              Prime Rate published in The Wall Street Journal in its column called 
    be called an Introductory Rate. 
                                              �Money Rates� on the last Business Day of each month.  Although each 
    Purchase means purchase of merchandise or services on the Account 
                                              Daily Periodic Rate is determined by an index published prior to the first 
    plus related Charges and does not include any type of Cash Advance, 
                                              day of each calendar month, the respective Daily Periodic Rate will only 
    Cash Advance Transaction Fees or Cash Advance Interest Charges. 
                                              become effective and charged as of the first day of the monthly billing 
    Statement is your billing statement. 
                                              period following the respective calendar month in which the index is so 
     
                                              published.  No representation is made that the U.S. Prime Rate is the 
    CREDIT CARD SERVICES 
                                              lowest, the best or the favored rate of interest.  If for any reason The Wall 
    The following provisions relate only to credit card services except as  Street Journal no longer publishes the "Money Rates" column, then we 
    otherwise applicable.                     will choose a new index based on comparable information.  An increase 
                                              in the Prime Rate will cause your interest rate to increase and may cause 
    ACCOUNT DESCRIPTION                       your minimum monthly payment to increase. 
    We will grant you a line of credit with a maximum dollar limit as   
    determined by us.  This limit will be indicated on your Statement.   INTEREST CHARGE COMPUTATION 
    Subject to the terms of this Agreement, you may use your Account to  ?  ON PURCHASES:  Interest Charges on Purchases begin to accrue 
    make Purchases and obtain Cash Advances, including Balance  on the transaction date, provided such date will never be later than 
    Transfers and Convenience Checks, that do not exceed your credit limit  the date the Purchase is posted to the Account or earlier than the 
    at any time.  Should your Purchases, and/or Cash Advances ever  first day of the billing cycle for the Statement on which such 
    exceed your credit limit, we reserve the right to terminate this Agreement  transaction is shown.  Purchases are subject to a Grace Period.  If 
    and demand the return of your Card(s).  We can increase or decrease  the previous balance is zero, or was paid in full by the payment due 
    your credit limit at any time without prior notice or liability.  A change to  date shown on your Statement, no Interest Charge will be assessed 
    your credit limit will not affect your obligation to pay us.  on current Purchases. 
                                                    
    We may decline, at any time in our sole discretion, an authorization  ?  ON CASH ADVANCES:  Interest Charges begin to accrue on the 
    request for any transaction for any reason, included but not limited to:                                               date of the Cash Advance, provided such date will never be later 
       �   operational considerations,          than the date the Cash Advance is posted to the Account or earlier 
       �  your Account is in default,           than the first day of the billing cycle for the Statement on which such 
       �   we suspect fraudulent or unlawful activity  advance is shown.   
    We are not responsible for any losses or damages, including   
    consequential damages, if a transaction on your Account is declined,  TOTAL INTEREST CHARGE COMPUTATION 
    either by us or a third party, even if you have sufficient credit available.  We add Interest Charges for each type of balance to obtain your total 
                                              Interest Charge for each billing cycle.   
    PROMISE TO PAY                             
    You promise to pay for all Purchases and Cash Advances, including  PENALTY RATE AND WHEN IT APPLIES 
    Balance Transfers and Convenience Checks, made by you through the  If at any time we have not received the required minimum monthly 
    use of the Account.  In addition, you promise to pay all other amounts  payment within 60 days of the respective payment due date, we may 
    owed due to use of the Account by anyone else you authorize to use the  increase the applicable APR to the Penalty Rate. Please see the 
    Account until such person�s authority is ended.  You may only end such  ACCOUNT OPENING DISCLOSURE for information regarding the 
    person�s authority by notifying us in writing and returning to us any Card  Penalty Rate for your Account.  The Account may be eligible for your 
    such person may have.  All of you are responsible, both together and  standard Daily Periodic Rates and corresponding APR for each type of 
    individually, for the entire Account balance even though only one of you  balance after you have met the terms of this Agreement for six 
    uses the Account.                         consecutive billing cycles after the monthly Statement on which the 
                                              Penalty APR first appears.  Otherwise, the Penalty Rate may apply 
    BILLING STATEMENTS                        indefinitely. 
    You will receive a Statement periodically (normally monthly).  Your     
    payment is due within 25 days from the date of the Statement (payment  TERMINATION OF INTRODUCTORY OR PROMOTIONAL RATES 
    due date).                                If during an Introductory or Promotional Rate period, we have not 
                                              received the required minimum monthly payment within 60 days of the 
     
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    respective payment due date, we will increase the applicable APR to the  requests related to billing error resolution within 60 days of the disputed 
    Penalty APR.  Introductory and/or Promotional Rates will not be  transaction. 
    reinstated.                                
                                                    
                                              TOTAL FEE COMPUTATION 
     
    FEES                                      We add all Fees assessed to obtain your total Fees for each billing cycle 
                                              (excluding Balance Transfer and/or Convenience Check Fees).  We will 
    Transaction, Annual and Penalty Fees:     assess Balance Transfer Fees and/or Convenience Check Fees to your 
    Please see the ACCOUNT OPENING DISCLOSURE for information  Account in the same balance category to which the transaction is posted. 
    regarding the specific Fees that may be charged to your Account.   
                                              CANCELLATION 
    Minimum Interest Charge                   To the extent permitted by law, Commerce Bank may cancel your 
    A minimum Interest Charge will be imposed in any billing cycle for which  Account, refuse to allow further transactions against your Account or 
    an Interest Charge is payable, and will appear on your Statement as a  revoke your Card(s) at any time (whether or not you are in default of any 
    Fee.                                      part of this Agreement) including, without limitation, when any affiliation 
                                              you may have with a sponsoring organization ceases or when any 
    Balance Transfer Or Convenience Check Transaction Fee  agreement we may have with the sponsoring organization is terminated.  
    You will be charged a Transaction Fee, with a minimum and no  Cancellation of your Account will not affect your liability to us for credit 
    maximum, for each Balance Transfer and/or Convenience Check posted  we have extended to you, including amounts not yet billed to your 
    to your Account.                          Account.  We may cancel your Account without prior notice or liability.  
                                              You must surrender the Card(s), either upon a direct request by us, or 
    Non Overdraft Cash Advance Transaction Fee  any other bank or merchant who is acting upon our instructions. 
    You will be charged a Transaction Fee, with a minimum and no   
    maximum, for each Cash Advance posted to your Account.  CONDITIONS OF DEFAULT 
                                              We may consider you to be in default if we do not receive a required 
    Overdraft Cash Advance Transaction Fee    payment when due, including the minimum payment by the date shown 
    You will be charged a Transaction Fee for each Cash Advance resulting  on your Statement; you fail to comply with the terms of this Agreement; 
    from the overdraft protection.            you make any false or misleading statements or omissions on your 
                                              application; you file a bankruptcy petition or have one filed against you; 
    Annual Fee                                we obtain information that causes us to believe that you may be unwilling 
    Your Account may have a Fee that will be added annually to your  or unable to pay your debts to us or to others on time including, but not 
    Account (Annual Fee).  Please see the ACCOUNT OPENING  limited to, your failure to make any payment to us on any other 
    DISCLOSURE for information regarding the specific fee, if any, for  indebtedness or loan; you are declared incompetent by a court or a court 
    your Account.                             appoints a guardian/ conservator for you or your assets; you die. 
    The imposition or payment of an Annual Fee does not affect or limit our   
    right to terminate this Agreement, cancel your Account, and demand  If we consider your Account to be in default, we may close your account 
    payment, in a manner permitted by law, of any amounts owed on your  without notice and require you to pay the balance in a manner permitted 
    Account.                                  by law (subject to applicable law regarding notice or right to cure).  To 
                                              the extent permitted by law, if you are in default you will pay our 
    Foreign Transactions                      collections costs, attorneys� fees, court costs, and all other expenses of 
    Please see the ACCOUNT OPENING DISCLOSURE for information  enforcing our rights under this Agreement. 
    regarding the specific Fees that may be charged to your Account related   
    to foreign transaction.                   ALLOCATION OF PAYMENTS 
                                              We will allocate your minimum payment in the manner we determine.  
    Visa and MasterCard Purchases, cash withdrawals and Cash Advances  We will apply the amount in excess of the minimum payment to balances 
    made in currencies other than U.S. Dollars will be converted to U.S.  with higher APRs before balances with lower APRs. 
                           �                    Dollars under regulations established by VISA International and 
                                              RECEIPT OF PAYMENTS 
          � 
    MasterCard International.  Visa conversion will be at a rate selected by 
                                              Payments  received  before  5  PM  CT  at  the  address  shown  on  your 
    Visa from the range of rates available in wholesale currency markets for 
                                              Statement on any of our regular Business Days will be posted as of the 
    the applicable central processing date, which may vary from the rate 
                                              date of receipt.  Payments made in person before the close of business 
    Visa itself receives or the government-mandated rate in effect for the 
                                              to an employee at a Commerce branch will be posted as of date of 
    applicable central processing date.  MasterCard conversion will be at a 
                                              receipt.  Payments mailed to the address shown or made in person at a 
    rate selected by MasterCard, typically either a government-mandated 
                                              branch must be accompanied by the Account number or payment stub, 
    rate or a wholesale rate provided to MasterCard.  Conversion to U.S. 
                                              and in the form of a check or money order in U. S. Dollars drawn on a U. 
    dollars may occur on a date other than the date of the transaction.  
                                              S. financial institution.  Do not send cash through the mail. A delay in 
    Therefore, the conversion rate may be different from the rate in effect at 
                                              crediting the payment to your Account may occur if the payment does not 
    the time of the transaction.  You agree to pay the converted amount plus 
                                              meet  these  requirements  for  making  payments  (conforming 
    the applicable foreign transaction fee.  For Purchases, cash withdrawals, 
                                              payments). In no case shall such delay exceed five days from receipt of 
    and Cash Advances made in U.S. dollars outside of the United States 
                                              such payment. 
    and its territories, you agree to pay the transaction amount, plus the 
                                               
    applicable foreign transaction fee. 
                                              The cutoff time for payments made on any of our regular Business Days 
     
                                              through Commerce as transfers from your Commerce deposit account 
    Late Payment Fee 
                                              are  as  follows:   Commerce  ATM,  7:00  PM  CT;  Commerce  Online 
    For each payment not received by the payment due date, we may 
                                              Banking, including Mobile Banking, 7:00 PM CT; Commerce Account 
    charge a Late Payment Fee.  The first time you are late making the 
                                              Information Line, 7:00 PM CT; Commerce BankCards Online, 11:00 PM 
    required minimum monthly payment (�First Occurrence�), a $27 Late 
                                              CT; Commerce Collections Department, 11:00 PM CT. A payment made 
    Payment Fee may be imposed.  After the First Occurrence, if you make a 
                                              through Commerce Online Bill Pay will be posted on the Pay Date. 
    late payment at anytime during the next six billing cycles (�Second 
                                               
    Occurrence�), a $37 Late Payment Fee may be imposed.  After the 
                                              Conforming payments received after the respective cutoff time will be 
    Second Occurrence, any subsequent late payment during the next six 
                                              posted no later than the next Business Day.  Payments made by a third-
    billing cycles will also incur a $37 Late Payment Fee.  At no time will the 
                                              party payor, will be posted as of the date we receive the payment. 
    Late Payment Fee exceed the amount of the required minimum monthly 
                                               
    payment. 
                                              When the due date falls on a weekend or holiday, your payment due 
     
                                              date will be on the next Business Day. 
    Overlimit Fee 
                                               
    In the event your balance exceeds your credit limit, no Fee will be 
                                              We may accept late payments, partial payments or checks and money 
    charged.  
                                              orders (or accompanying written communication) containing a statement 
     
                                              to the effect that the instrument was tendered as "payment in full," full 
    Other Fees 
                                              satisfaction of a disputed claim or other similar language without losing 
     
                                              any rights under this Agreement or under the law.  All such payments or 
    Returned Payment Fee 
                                              written communications must be mailed to:  Commerce Bank, P.O. Box 
    No Fee will be charged for any check or other form of payment sent to us 
                                              410857, Kansas City, MO 64141-1857. 
    which is returned unpaid. 
                                               
     
                                              CHANGE OF TERMS 
    Returned Item Fee 
                                              Provided the Account is meeting the terms of this Agreement:  (1) We 
    If we decline to honor a Convenience Check or when payment of a 
                                              will not increase an Introductory APR during any Introductory Rate 
    Convenience Check is stopped at your request, we may charge a 
                                              period; and (2) We will not increase any APR, Annual Fee or minimum 
    Returned Item Fee.  The first time we decline to honor a Convenience 
                                              Interest Charge for 12 months following account opening, except for 
    Check or when payment of a Convenience Check is stopped at your 
                                              increases due to the expiration of an Introductory or Promotional Rate 
    request (�First Occurrence�), a $27 Returned Item Fee may be imposed.  
                                              period, if any;  changes in the Prime Rate; completion or failure of a 
    After the First Occurrence, if we decline a Convenience Check or you 
                                              temporary hardship arrangement; application of a Penalty Rate; or the 
    request stop payment of a Convenience Check at anytime during the 
                                              end of military service to which  the provisions of the Servicemembers 
    next six billing cycles (�Second Occurrence�), a $37 Returned Item Fee 
                                              Civil Relief Act (SCRA) apply. (�Exceptions�).  Otherwise, we may 
    may be imposed.  After the Second Occurrence, any subsequent 
                                              change the terms of the Agreement at any time, after notice and the right 
    declined Convenience Check or stop payment of a Convenience Check 
                                              to reject if required by law.   Changes in any APR, other than the stated 
    during the next six billing cycles will also incur a $37 Returned Item Fee.  
                                              Exceptions, Annual Fee or minimum Interest Charge will apply to new 
    At no time will the Returned Item Fee exceed the amount of the 
                                              transactions created after the end of the 14th day following our providing 
    Convenience Check. 
                                              notice to you.    If you reject a change, your Account will be cancelled 
     
                                              and you will no longer be able to use the Account.   
    Convenience Checks and Document Copy Charges 
                                              Cancellation of your Account will not affect your liability to us for credit 
    Charges for Convenience Checks and requests for copies of sales 
                                              we have extended to you, including amounts not yet billed to your 
    drafts, Statements or other documents related to your Account may be 
                                              Account. 
    billed on your Account as Purchases in accordance with the fee schedule 
                                               
    established by us from time to time.  No charge will be made for copy 
                                              ELECTRONIC RECORDS 
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    You agree that this document and all paper records related to your  ?  Dollar amount: The dollar amount of the suspected error. 
    Account and whether or not the other paper records were submitted,  ?  Description of problem: If you think there is an error on your 
    received or obtained in advance of, contemporaneously with or 
                                                     bill, describe what you believe is wrong and why you believe it 
    subsequent to, the delivery of this document may, at the option of  is a mistake. 
     
    Commerce Bank, be converted by any digital or electronic method or  You must contact us: 
    process to an electronic record or subsequently further converted or  ?  Within 60 days after the error appeared on your Statement. 
    migrated to another electronic record format or electronic storage  ?  At least 3 Business Days before an automated payment is 
    medium.  You further agree that upon conversion to an electronic record  scheduled, if you want to stop payment on the amount you 
    as authorized herein such electronic record shall be the record of the  think is wrong. 
    transaction and the electronic record shall have the same legal force and  You must notify us of any potential errors in writing. You may call us, but 
    effect as the paper documents from which it was converted.  You waive  if you do we are not required to investigate any potential errors and you 
    any legal requirement that any documents digitally or electronically  may have to pay the amount in question. 
    converted be embodied, stored, or reproduced in a tangible media.  You   
    undersigned and agree that a printed or digitally reproduced copy of the  What Will Happen After We Receive Your Letter 
    electronic record shall be given the same legal force and effect as a   
    signed writing.  In addition, you authorize and agree to destruction of the  When we receive your letter, we must do two things: 
    paper documents by Commerce Bank upon conversion of the paper  1. Within 30 days of receiving your letter, we must tell you that we 
    documents to a digital or electronic record.  received your letter. We will also tell you if we have already corrected the 
                                              error. 
    PERMISSION TO CONTACT                      
    You agree, in order for us to service your account or to collect any  2. Within 90 days of receiving your letter, we must either correct the error 
    amounts you may owe, we may contact you by telephone at any  or explain to you why we believe the bill is correct. 
    telephone number associated with your account, including wireless   
    telephone numbers, which could result in charges to you. We may also  While we investigate whether or not there has been an error: 
    contact you by sending text messages or emails, using any telephone  ?  We cannot try to collect the amount in question, or report you 
    number or email address you provide to us.  You consent and  as delinquent on that amount. 
    acknowledge that methods of contact may include using pre-
                                                ?  The charge in question may remain on your Statement, and 
    recorded/artificial voice message and/or use of an automatic dialing 
                                                   we may continue to charge you interest on that amount. 
    device, as applicable.  You further consent and agree that our personnel 
                                                ?  While you do not have to pay the amount in question, you are 
    may listen to and/or record phone calls between you and our 
                                                   responsible for the remainder of your balance. 
    representatives without additional notice to you, including but not limited 
                                                ?  We can apply any unpaid amount against your credit limit. 
    to calls we make to service your account or collect debt(s).  
                                              After we finish our investigation, one of two things will happen: 
     
                                                ?  If we made a mistake: You will not have to pay the amount in 
    MILITARY LENDING ACT DISCLOSURE 
                                                   question or any Interest Charges or other Fees related to that 
    Federal law provides important protections to members of the Armed 
                                                   amount. 
    Forces and their dependents relating to extensions of consumer credit. In 
                                               
    general, the cost of consumer credit to a member of the Armed Forces 
                                                ?  If we do not believe there was a mistake: You will have to pay 
    and his or her dependent may not exceed an annual percentage rate of 
                                                   the amount in question, along with applicable Interest Charges 
    36 percent. This rate must include, as applicable to the credit transaction 
                                                   and Fees. We will send you a Statement of the amount you 
    or account: The costs associated with credit insurance premiums; fees 
                                                   owe and the date payment is due. We may then report you as 
    for ancillary products sold in connection with the credit transaction; any 
                                                   delinquent if you do not pay the amount we think you owe. 
    application fee charged (other than certain application fees for specifed 
                                               
    credit transactions or accounts); and any participation fee charged (other 
                                              If you receive our explanation but still believe your bill is wrong, you must 
    than certain participation fees for a credit card account). You can call toll 
                                              write to us within 10 days telling us that you still refuse to pay. If you do 
    free to 855-225-1576 to hear the applicable required Military Lending Act 
                                              so, we cannot report you as delinquent without also reporting that you 
    disclosures. 
                                              are questioning your bill. We must tell you the name of anyone to whom 
     
                                              we reported you as delinquent, and we must let those organizations 
    MISCELLANEOUS PROVISIONS 
                                              know when the matter has been settled between us. 
    You also agree that: 
                                               
    ?  We may refuse to extend credit to you or anyone using your 
                                              If we do not follow all of the rules above, you do not have to pay the first 
       Account or Card(s). 
                                              $50 of the amount you question even if your bill is correct. 
    ?  We will not be liable or responsible for anyone�s refusal to honor 
                                               
       your Card(s). 
                                              Your Rights If You Are Dissatisfied With Your Credit Card 
    ?  Each Account you have with us is separate from any others you 
                                              Purchases 
       have with us, and Interest Charges will be charged on each 
                                               
       Account�s balance at the APR given with each Cardholder  
                                              If you are dissatisfied with the goods or services that you have 
       Agreement.  Each individual Account will be designated by an 
                                              Purchased with your credit card, and you have tried in good faith to 
       individual Account number. 
                                              correct the problem with the merchant, you may have the right not to pay 
    ?  Your Card(s) are Commerce Bank property. 
                                              the remaining amount due on the Purchase. 
    ?  We may change the premium enhancements offered at any time   
       without further notice to you.         To use this right, all of the following must be true: 
    ?  Merchants with whom you�ve shared your Account number may be   
       updated with new Account information to ensure the continuation of  1. The Purchase must have been made in your home state or within 
       your payment agreement.                 100 miles of your current mailing address, and the purchase price 
    ?  You will not use your Card(s) for any purpose that has been  must have been more than $50. (Note: Neither of these are 
       deemed illegal.  We reserve the right to deny authorization requests  necessary if your Purchase was based on an advertisement we 
       from online gambling merchants, whether or not online gambling is  mailed to you, or if we own the company that sold you the goods or 
       illegal in the state in which you reside.  services.) 
    ?  Commerce Bank may share your Account experience and   
       transaction information with its Affiliates, which are members  2. You must have used your credit card for the Purchase. Purchases 
       of the Commerce Corporate family as defined in your Privacy  made with Cash Advances from an ATM or with a check that 
       Policy Notice.  Unless you call 1-800-543-4845, you agree that  accesses your credit card Account do not qualify. 
       Commerce Bank and its Affiliates may also share other   
       information about you or your Account.  3. You must not yet have fully paid for the Purchase. 
    ?  You must notify us immediately at Commerce Bank, P.O. Box   
       411036, Kansas City, MO 64141-1036, if you believe any  If all of the criteria above are met and you are still dissatisfied with the 
       information we reported to a credit reporting agency is inaccurate.  Purchase, contact us in writing at: 
                                               
    SECURITY INTEREST                         Commerce Bank P.O. Box 411036, Kansas City, MO 64141-1036 
    Collateral securing other loans with us may also secure this   
    indebtedness.                             While we investigate, the same rules apply to the disputed amount as 
                                              discussed above. After we finish our investigation, we will tell you our 
    CHANGES IN ADDRESS                        decision. At that point, if we think you owe an amount and you do not 
    You agree to notify us immediately if you change your address.  pay, we may report you as delinquent. 
                                               
    INTERPRETATION                            LIABILITY FOR UNAUTHORIZED USE 
    The Agreement shall be governed by applicable federal law and  If your name appears on the Account for the Card(s) accompanying this 
    regulations.  To the extent not preempted by applicable federal law, this  Agreement, then by using or permitting another to use the Card(s) and/or 
    Agreement shall be  governed by the laws of the state of Missouri, but  PIN, you agree to all the provisions of this Agreement, including, but not 
    Commerce Bank will rely on the provisions of Nebraska law with respect  limited to your promise to pay.  You will not be liable for unauthorized 
    to the fees and charges (other than interest) that apply to your Account,  use that occurs after you notify Commerce Bank orally or in writing.  
    as authorized by Missouri Revised Statutes Section 408.145.   Notification of loss, theft or possible unauthorized use may be mailed to 
                                              Commerce Bank, P.O. Box 411036, Kansas City, MO 64141-1036, or 
    Your Billing Rights: Keep this Document for Future Use  you may call 1-800-645-2103. 
    This notice tells you about your rights and our responsibilities   
    under the Fair Credit Billing Act.        __________________________________________ 
                                               
    What To Do If You Find A Mistake On Your Statement  If you have any questions regarding this Agreement, or our current fee 
    If you think there is an error on your Statement, write to us at:  schedule, write to us at Commerce Bank, P.O. Box 411036, Kansas 
    Commerce Bank P.O. Box 411036, Kansas City, MO 64141-1036  City, MO 64141-1036, or call us at 1-800-645-2103. 
    You may also send us this information via fax at 1-816-234-2811 
                                                
     
    In your letter, give us the following information:   
       ?  Account information: Your name and Account number. 
                                3 
     
                                               
     
                                               
                                               
                                                     OPTIONAL FEATURES 
                                               
       
                                               
     
                                               
    Commerce Bank credit cards may come with optional credit card 
                             SM    �          ATM Transaction 
    payment features, including Special Connections  and toggle . The 
                    �                         At the ATM, insert your Card and enter the credit card PIN that you 
    Special Connections and toggle  features are offered at the sole 
                                              established for this Card to (i) withdraw cash from, deposit money in,  
    discretion of Commerce Bank (�Commerce�) to Accountholders (�You� or 
                                              transfer funds between, or learn the balances in your checking, regular 
    �Your�) that have Qualified Commerce Bank Credit Card Accounts.    A 
                                              savings or money-market accounts; (ii) use funds from your checking, 
    "Qualified Commerce Credit Card Account" means any open Account 
                                              regular savings, and money-market accounts to make payments on your 
    that is not designated by Commerce as lost, stolen, fraud transferred, 
                                              Commerce credit cards, lines of credit or loans or (iii) take cash 
    credit revoked, closed, bankrupt, charged off, or in Consumer Credit 
                                              advances on your Commerce credit cards.   
    Counseling or recovery. By using these optional features, you 
                                               
    acknowledge that you have read and accepted the Commerce Bank 
                                              The account(s) you designate for ATM accessibility will be considered 
    Special Connections Terms and Conditions and the Commerce Bank  SM
        �                                     your Special Connections  Feature at the ATM Account(s) (�ATM 
    toggle  Terms and Conditions which shall govern your use of and rights 
                                              Account�).  If you wish to designate one or more checking accounts as 
    under these optional features. 
                                              an ATM Account, then you must designate one of those checking 
     
                 SM    �                      accounts as your Point of Sale Account as defined below.   In order to 
    The Special Connections  and toggle  Terms and Conditions are a 
                                              have ATM access to your checking accounts, you must at all times 
    separate agreement and are not part of your cardholder agreement. 
                                              maintain a Point of Sale Account.  If you no longer have a Point of Sale 
     
                  SM                          Account, then you will lose ATM access to all of your checking accounts.  
    SPECIAL CONNECTIONS  FEATURE 
                   SM                          
    With the Special Connections  Feature, and as permitted from time to 
                                              Commerce has no control over the functionalities offered at non-
    time, you may use your Card to access Commerce Bank Special 
                                              Commerce ATMs.  Some or all of these features may not be available at 
    Connections Feature-eligible deposit accounts, credit cards, lines of 
                                              all non-Commerce ATMs and some ATMs may allow you to perform 
    credit, and/or loans. You may request the Special Connections Feature 
                                              other functions not mentioned here, including the ability to make 
    from a Commerce Bank branch, through Commerce Bank Online 
                                              purchases (e.g. stamps).  If at any time you use a non-Commerce ATM 
    Banking, or from our Customer Service Department at 1-800-645-2103. 
                                              to request to take money from an account that you do not have or if the 
    These features are not automatically activated. 
                                              non-Commerce ATM does not prompt you to select a specific account 
     
                         �  �       �         from which to take the money, then you agree that Commerce will 
    For customers with a Special Connections  Visa  or MasterCard  credit 
                          SM                  attempt to comply with your request by providing you with money from 
    card, please note: The Special Connections  Feature is different from a 
                                              one of your open ATM Accounts. Cash withdrawals may be taken from 
    Commerce Bank Special Connections Visa or MasterCard credit card.  
                                              any open deposit ATM Account owned by you and cash advances may 
    The Special Connections Feature allows you to add certain functionality 
                                              be taken from any credit card ATM Account owned by you. 
    to any Commerce Bank-issued credit card, including Commerce Bank�s 
                                               
    Special Connections Visa or MasterCard credit card.  However, your 
                                              Point of Sale Transaction 
    Special Connections Visa or MasterCard credit card is not automatically 
                                              You may designate one (1) checking account as your Special 
    enabled with the Special Connections Feature.  You must proactively  SM
                                              Connections  Feature at the Point of Sale Account (�Point of Sale 
    enroll any credit card, including your Special Connections Visa or 
                                              Account�).  At merchants that have agreed to accept the Card on 
    MasterCard credit card, in the Special Connections Feature in order for 
                                              networks utilized by us, you can use funds in your Point of Sale Account 
    that card to utilize the Special Connections Feature�s capabilities 
                                              to pay for your purchases. The use of your Card in this manner 
    described herein. 
                                              constitutes a simultaneous withdrawal from and/or demand upon your 
     
                                              checking account, even though the transaction may not actually be 
    ELECTRONIC FUND TRANSFERS 
                                              posted to your account until a later date.  
    The following provisions apply only to Electronic Fund Transfers 
                                               
    (�EFTs�).  EFTs are any transfer of funds initiated with your Card(s) at an 
                                              Only Commerce checking accounts are eligible for this functionality and 
    ATM or as a debit transaction at Point of Sale.  We can cancel these 
                                              only one (1) Commerce Bank checking account can be designated as 
    services at any time and for any reason without notice.  We can also 
                                              the Point of Sale Account at any one time.  Your Point of Sale Account 
    cancel your entire Account, including credit card services, and revoke 
                                              shall always remain as an ATM Account.  If at any time you instruct 
    your Card(s) as provided in the CANCELLATION paragraph above.  This 
                                              Commerce to remove the Point of Sale capabilities from your card, you 
    may be done by an ATM or merchant not returning your Card(s) to you.  
                                              will no longer have access to any of your checking accounts at the ATM.   
    We may change the terms of this Agreement relating to EFTs without 
                                               
    notice to you unless required by law. 
                                              ATM and Point of Sale transactions will post to your checking account(s) 
                                              as detailed in your Deposit Agreement.    
    TELEPHONE NUMBER AND ADDRESS TO BE NOTIFIED IN EVENT   
    OF UNAUTHORIZED TRANSFER                  Foreign Transaction 
    Tell us AT ONCE if you believe your card has been lost or stolen, or if  For transactions occurring outside of the United States, the nature of 
    you believe that an electronic fund transfer has been made without your  which is unspecified to us, we will apply the transaction to accounts in 
    permission using information from your check. Telephoning is the best  the following order: checking, money-market, regular savings, 
    way of keeping your possible losses down. You could lose all the money  Commerce Visa or Commerce MasterCard. 
    in your account plus your maximum overdraft line of credit. If you tell us 
                                               
    within 2 business days after you learn of the loss or theft of your card, 
                                              Limitation on Frequency of Transfers.  There are no limitations on the 
    you can lose no more than $50 if someone used your card without your 
                                              number of transfers that can be made during any time period to or from 
    permission.  
                                              any deposit account, except as provided by federal regulations limiting 
     
                                              preauthorized transfers. By federal regulation, you are limited during any 
    If you do NOT tell us within 2 business days after you learn of the loss or 
                                              statement cycle to six preauthorized transfers (three of which may be by 
    theft of your card, and we can prove we could have stopped someone 
                                              check, draft or similar order if the account is a money market-type 
    from using your card without your permission if you had told us, you 
                                              account). 
    could lose as much as $500.  
                                               
     
                                              Limitation on Dollar Amount of Transfers.  The balance available for 
    Also, if your statement shows transfers that you did not make, including 
                                              authorizing purchases and cash withdrawals is the lesser of 1) your 
    those made by card, code or other means, tell us at once. If you do not 
                                              available deposit account balance, plus any credit available through an 
    tell us within 60 days after the statement was mailed to you, you may not 
                                              overdraft protection line of credit or through any overdraft authorized by 
    get back any money you lost after the 60 days if we can prove that we 
                                              us in our sole discretion, OR 2) daily dollar limitations. For cash 
    could have stopped someone from taking the money if you had told us in 
                                              advances against a Commerce Bank credit card, you may withdraw cash 
    time. If a good reason (such as a long trip or a hospital stay) kept you 
                                              up to the lesser of your credit line or daily dollar limitations. In addition, 
    from telling us, we will extend the time period. By permitting another 
                                              daily withdrawal frequency limitations may apply to cash advances. 
    person to use the card, you authorize and are fully liable for any 
                                              Dollar limitations may differ at ATMs other than ours. 
    transactions that person initiates until that person's authority is ended. 
                                               
    You may only end that person's authority by notifying us.  
                                              Online Gambling.  You agree that you will not use your card for any 
     
                                              purpose that has been deemed illegal. We reserve the right to deny 
    If you believe your card has been lost or stolen, or that someone has 
                                              authorization requests from online gambling merchants, whether or not 
    transferred or may transfer money from your account without your 
                                              online gambling is illegal in the state in which you use your card. 
    permission, call us at 1-800-617-7480 or write to us at Commerce Bank, 
                                               
    PO Box 411036, Kansas City, MO 64141-1036. You should also call the 
                                              Reservations and Merchant Authorization.  Under certain 
    number or write to the address listed above if you believe a transfer has 
                                              circumstances, a merchant (e.g., hotel) may require the use of a card to 
    been made using the information from your check without your 
                                              guarantee reservations that may result in a hold on the available funds in 
    permission.  
                                              the account. If you cancel any guaranteed reservation made using the   
    BUSINESS DAY                              card, you must obtain a cancellation number. If you fail to do so, the hold 
                                              placed for the guaranteed reservation will not be canceled and the  Our business days are Monday through Friday. Federal Reserve 
                                              amount will be held against the balance in the account. This may limit  holidays are not included.  
                                              your future transactions. Further, if the merchant subsequently charges 
    TYPES OF AVAILABLE TRANSFERS AND LIMITS ON TRANSFERS  the amount of the guaranteed reservation to the account, we will not be 
    Account Access.  The following EFTs are only available if you request  obligated to re-credit the account if you fail to obtain a cancellation 
                 SM                           number. In addition, authorizations issued for card transactions must be  the Special Connections  Feature. Depending on the type of accounts 
                                              canceled when you initiate a card transaction and subsequently use  that Commerce determines from time-to-time are eligible for the Special 
                                              another form of payment for the transaction such as a credit card or  Connections Feature as well as which of your accounts you choose to  
                                              cash, since failure to have the authorization canceled may also result in  access using the Special Connections Feature, you may use your Card 
                                              a hold on funds in the account and limit your future transactions.  to perform the following functions where otherwise permitted:  
                                               
     
                                                 
                                               
                                4 
     
    POINT OF SALE TRANSACTIONS                damages. However, there are some exceptions. We will not be liable, for 
                             SM
    The use of your card with the Special Connections  Feature to  instance:  
    purchase goods and services constitutes a simultaneous withdrawal from  ?  If through no fault of ours, you do not have enough money in your 
                                                    
    and/or demand upon your checking account, even though the transaction  account to make the transfer.  
     
    may not actually be posted to your account until a later date. Any person  ?  If the transfer would go over the credit limit on your overdraft line.  
    or merchant honoring your card may be required to obtain approval or  ?  If the ATM where you are making the transfer does not have 
    authorization for any transaction. When we approve a non-PIN  enough cash.  
    transaction (which may or may not require your signature), we may  ?  If the terminal or system was not working properly and you knew 
    immediately reduce the available balance in your checking account by  about the breakdown when you started the transaction.  
    the authorization amount requested by the merchant even though we  ?  If circumstances beyond our control (such as flood or fire) prevent 
    have not received the transaction electronically for payment, which may  the transfer, despite reasonable precautions that we have taken.  
    differ from the final posted amount.  
                                              ?  There may be other exceptions stated in our Agreement with you.  
     
                                               
    This authorization amount will not be available until our receipt of the 
                                              ERROR RESOLUTION PROCEDURES 
    transaction OR no more than three business days after the transaction 
                                              In case(s) of errors or questions about your EFTs, telephone us at 1-800-
    date, whichever first occurs. If funds are not available for checks, other 
                                              617-7480 or write us at Commerce Bank, PO Box 411036, Kansas City, 
    items or debits, you may be subject to overdraft or insufficient funds fees. 
                                              MO 64141-1036 as soon as you can, if you think your statement or 
    Transactions with your card will be posted to your account in the order 
                                              receipt is wrong, or if you need more information about a transfer listed 
    and with the same legal effect as checks or other debits drawn on your 
                                              on the statement or receipt. We must hear from you no later than 60 
    account. You may use your card only in the manner and for the purposes 
                                              days after we sent the FIRST deposit statement on which the problem or 
    authorized by this Agreement. We may recognize a transaction even if 
                                              error appeared.  
    we have not authorized it, but that does not mean we will authorize the 
                                              ?  Tell us your name and account number.  
    same type of transaction again. You do not have the right to stop 
                                              ?  Tell us the name of the merchant, the transaction date and the 
    payment on any transaction originated by use of your card with the 
               SM                               dollar amount of the suspected error.  
    Special Connections  Feature, except recurring preauthorized transfers 
                                              ?  Describe the error or the transfer you are unsure about, and explain 
    as described in this Agreement.  
                                                as clearly as you can why you believe it is an error or why you need 
     
                                                more information.  
    Overdrafts. You are responsible for all authorized transactions initiated 
                             SM               ?  Tell us if you have already attempted to resolve the issue directly 
    by use of your card with the Special Connections  Feature. If a negative 
                                                with the merchant.  
    balance (overdraft) in your checking account results from the use of the 
                                              ?  If you tell us orally, we may require that you send your complaint or 
    card with the Special Connections Feature, you will pay us on demand 
                                                question in writing within 10 business days.  
    this negative balance and our then current charge for overdrafts. If you 
                                               
    have an overdraft line of credit (Checking Plus) for an account, you are 
                                              We will determine whether an error occurred within 10 business days 
    bound by the rules and regulations that apply to that credit privilege 
                                              after we hear from you and will correct any error promptly. If we need 
    (Overdraft Protection). In addition, if your checking account is closed 
                                              more time, however, we may take up to 45 calendar days to investigate 
    before transactions are posted, you will pay us on demand the 
                                              your complaint or question. If we decide to do this, we will credit your 
    outstanding amount. 
                                              deposit account within 10 business days for the amount you think is in 
     
                                              error so that you will have the use of the money during the time it takes 
    FEES 
                                              us to complete our investigation. If we ask you to put your complaint or 
    Fees for all Electronic Fund Transfer services are disclosed in our fee 
                                              question in writing and we do not receive it within 10 business days, we 
    schedule. You will receive a fee schedule at account opening. You may 
                                              may not credit your deposit account.  
    request a copy of our current fee schedule at any Commerce branch or 
                                               
    by contacting 1-800-453-2265. When you use an ATM not owned by us 
                                              For errors involving new accounts, point-of-sale, or foreign-initiated 
    you may be charged a fee by the ATM operator (or any network used) for 
                                              transactions, we may take up to 90 days to investigate your complaint or 
    a transaction or for a balance inquiry even if you do not complete a fund 
                                              question. For new accounts, we may take up to 20 business days to 
    transfer. 
                                              credit your account for the amount you think is in error.  
     
                                               
    RIGHT TO RECEIVE DOCUMENTATION OF TRANSFERS 
                                              We will tell you the results within three business days after completing 
     
                                              our investigation. If we decide that there was no error, we will send you a 
    Terminal Receipts. You will get a receipt at the time you make any 
                                              written explanation. You may ask for copies of documents that we used 
    transfer to or from your deposit account using an ATM or electronic POS 
                                              in our investigation. 
    terminal.  
                                               
                                                  �
                                              TOGGLE  FEATURE 
    Preauthorized Credits. If you have arranged to have direct deposits  �
                                              Commerce may add toggle  to any Qualified Commerce Visa or 
    made to your deposit account at least once every 60 days from the same 
                                              MasterCard Credit Card Account.  
    person or company, you can call us at 1-800-746-8704 to find out 
                                               
    whether or not the deposit has been made.  
                                              DEMAND DEPOSIT ACCOUNT 
     
                                              You may link up to two (2) DDAs to Your Qualified Commerce Credit 
    Periodic Statement. You will get a monthly deposit statement if you  �
                                              Card Account for the use of the toggle  payment feature. 
    have a deposit account upon which checks or drafts may be drawn. You 
                                               
    will get a monthly deposit statement on your regular savings account if 
                                              If You link a Commerce DDA to Your Account, that DDA must be an 
    there are electronic transfers during the month. In any case, you will get 
                                              open checking account. You must have an ownership relationship to that 
    a regular savings deposit statement quarterly. 
                                              DDA in order to link it to Your credit card Account. Any person using the 
     
                                              Account and/or related Card(s) with the expressed or implied permission 
    DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES 
                                              of any of the applicants ("Authorized Users") will have access to the 
    We will disclose information to third parties about your account or the 
                                              linked DDA through the use of Your Account.  
    transfers you make:  
                                               
    ?  Where it is necessary for completing transfers. Merchants with 
                                              Any DDA that has been designated by Commerce as having a 
       whom you�ve shared your account number may be updated with 
                                              garnishment, a closed-to-posting restriction, or has been forced to close 
       new account information to ensure the continuation of your payment 
                                              by Commerce, will not be eligible to link to Your Account for the purpose 
       agreement.                                   �
                                              of the toggle  payment feature. Small Business banking accounts will not 
    ?  In order to verify the existence and condition of your account for a  � 
                                              be eligible to link to Your Account for the purpose of the toggle payment 
       third party, such as a consumer reporting agency or merchant.  
                                              feature.  
    ?  In order to comply with government agency or court orders.  
                                               
    ?  If you give us your permission.  
                                              If You link a non-Commerce DDA to Your Account, You must provide 
    ?  In accordance with our current Privacy Policy Notice.   Commerce with the account number and the routing information for that 
                                              financial institution. Certain transaction restrictions may apply to such 
    RIGHT TO STOP PAYMENT OF PREAUTHORIZED TRANSFERS AND  non-Commerce DDAs. Please refer to such bank's terms and conditions 
    PROCEDURES FOR DOING SO; RIGHT TO RECEIVE NOTICE OF  of Your DDA for applicable fees, restrictions and/or limitations of Your 
    VARYING AMOUNTS; AND OUR LIABILITY FOR FAILURE TO STOP  DDA.  
    PAYMENT                                    
    If you have told us in advance to make regular payments out of your  PAYMENT PREFERENCES 
    deposit account, you can stop any of these payments. Here�s how: Call  "Payment Preferences" means the selection of a category, setting and/or 
    us at 1-800-617-7480 or write us at Commerce Bank, PO Box 411036,  amount you choose to determine if a credit card purchase is to be paid 
    Kansas City, MO 64141-1036 in time for us to receive your request three  for from your linked DDA or if it is to remain a part of your credit card 
    business days or more before the payment is scheduled to be made. If  balance.  
    you call, we may also require you to put your request in writing and get it   
    to us within 14 days after your call.     PAY NOW�  
                                              "Pay Now�" means a credit card purchase that will be automatically 
    Notice of Varying Amounts. If these regular payments may vary in  paid for from Your DDA according to Your Payment Preferences. Any 
    amount, the person you are going to pay will tell you, 10 days before  purchase made by You or an Authorized User with Your Account, will be 
    each payment, when it will be made and how much it will be. You may  paid for from the DDA that has been linked to Your Account, and in 
    choose to get this notice only when the payment would differ by more  accordance with the Payment Preferences that have been selected by 
    than a certain amount from the previous payment, or when the amount  the applicants of the Account. 
    would fall outside certain limits that you set.    
                                                     �
                                              When a toggle  credit is posted to your Account, we reserve the right to 
    Liability for Failure to Stop Payment of Preauthorized Transfers. If       �
                                              place a temporary hold on the available credit created by the toggle  
    you order us to stop one of these payments three business days or more  �
                                              credit. Toggle  does not, nor is it intended to, shorten the time-frame in 
    before the transfer is scheduled, and we do not do so, we will be liable  which your available credit is replenished after a payment to your 
    for your losses or damages.               Account. 
                                               
    Our Liability for Failure to Make Transfers. If we do not complete a  Purchases may take 1-2 business days to post to Your Account following 
    transfer to or from your deposit account on time or in the correct amount  the date of Purchase. After the Purchase has posted to Your Account, an 
    according to our Agreement with you, we will be liable for your losses or  ACH may take 1-2 business days to appear as a debit on Your DDA. 
                                5 
     
                                               
    Payments are not applied to the required minimum payment due on Your  This authorization is to remain in effect until Commerce has received 
                                                                               �
    Statement each month. You will still have a required minimum payment  electronic notice of termination from You. You may terminate toggle  
                                                    
    due each month, which will appear on Your Statement and will be  electronically through Online Banking, or by contacting us at 1-800-645-
     
    subject to the terms of Your cardholder agreement.  2103. Your notice must be sent in such time and manner as to afford 
                                              Commerce Bank a reasonable opportunity to act upon the termination 
    PAY LATER�                                (but in no event less than three business days). Commerce reserves the 
                                                             �
    "Pay Later�" means any Purchase that is made with Your Account that  right to decline or cancel toggle  service at any time. 
    will not be automatically paid for from a DDA, and will become a part of 
                                               
    your outstanding credit card balance.  
    You may choose to use the Pay Later� feature for Your Purchases by 
    choosing not to activate a specific Payment Preference, by deactivating 
    a previously chosen Payment Preference, by cancellation of a linked 
                        �
    DDA, or by the cancellation of the toggle  payment feature from Your 
    credit card Account. 
     
         �
    UNWIND  
         �
    "Unwind " means the ability to return funds that were used to pay for a 
    Purchase from Your DDA with the Pay Now� feature, and to have the 
    original Purchase placed back on to Your Account. 
     
                                �
    You will have up to 30 calendar days to use the Unwind  feature for a 
    Pay Now� feature Purchase. When the Purchase posts back to Your 
    Account, it will post with the original transaction date, and will be subject 
    to interest charges according to the terms of Your Cardholder 
    Agreement. We reserve the right to limit the total amount of your 
        �
    Unwind  feature requests from exceeding the available credit for Your 
    Account. 
     
    TOGGLE ON DEMAND� 
    �toggle On Demand�� means any credit card purchase that You 
    manually choose to be paid from either Your DDA or reward points after 
    the transaction posts to Your Account.  
     
    ACH RETURNS 
    If an ACH payment request is returned for any reason, the original 
    Purchase that initiated that ACH payment request will be posted back to 
    Your Account, and will be due according to the terms of Your Cardholder 
    Agreement. 
     
    An ACH return for any reason will result in the deactivation of any active 
    Payment Preferences for the DDA that caused the return, and any other 
    DDA that might share an active Payment Preference. Your Payment 
    Preferences will remain deactivated until such time that you re-activate 
    Your Payment Preferences. 
     
    If Your Payment Preferences are not active, any pending and future 
    Purchases that previously matched that Payment Preference, will post to 
    Your Account and will not initiate an ACH payment request. These 
    Purchases will become a part of your outstanding credit card balance 
    with Commerce, and will be due according to the terms of Your 
    Cardholder Agreement. 
     
    If You have linked a Commerce DDA to Your Account, any ACH 
    payment request that would result in an overdraft of Your DDA will be 
    returned to Your Account, and no overdraft or insufficient funds fees will 
    be assessed to You. If you have linked a non-Commerce DDA to Your 
    Account, You may be assessed overdraft and/or insufficient funds fees 
    according to that financial institution's deposit agreement. 
     
        �
    toggle  ALERTS 
    Commerce will use the email address provided by You at the time of the 
    Account(s) or Card(s) opening to notify you of important changes in 
               �
    regards to the toggle  payment feature for Your Account. You will not be 
    able to turn off these notifications. You agree that You are responsible 
    for maintaining a valid email address and agree to notify us of any 
    change in Your email address. You can change the email address for 
    account notification at any time through Commerce Online Banking. 
    Should delivery of the account notification be unsuccessful, it remains 
                         �
    Your responsibility to monitor Your toggle  Payment Preferences in a 
    timely manner from Commerce Online Banking.  
     
    GENERAL TERMS & CONDITIONS 
    You must be enrolled in a Commerce Rewards Program in order to 
    receive rewards for Your Purchases.  
     
    Commerce reserves the right, in its sole discretion, to suspend, cancel or 
             �
    modify the toggle  payment feature at any time and for any reason and 
    without prior notice.  
     
    Commerce reserves the right, in its sole discretion, to add, delete, 
    change or revise these Terms and Conditions including, but not limited 
                         �
    to, qualifications for participation in toggle .  
     
    Commerce reserves the right, in its sole discretion, to disqualify any 
                         �
    Accountholder from participation in toggle  in cases of actual or 
    suspected abuse, fraud, violations of these Terms and Conditions or any 
    actual or suspected abuse or fraud with respect to the Account or DDA.  
    Neither Commerce nor its third-party service providers, their respective 
    employees, officers, affiliates or agents will be liable to You for any 
                                       �
    action or inaction any of them take or fail to take with respect to toggle  
    or any changes to these Terms and Conditions.  
     
    All trademarks, service marks and trade names used by Commerce for 
        �         �
    toggle , including the toggle  design are property of Commerce. No use 
    of these may be made without the prior written authorization of 
    Commerce.  
     
            �               �
    By using toggle , You agree to all of the toggle  features, limitations and 
    restrictions contained in these Terms and Conditions as well as any 
    additional terms and conditions contained in any programs, promotions 
    or transactions that may be offered to You from time-to-time and any 
    terms and conditions contained in any document issued to You by 
    Commerce.  
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