CARDHOLDER AGREEMENT 
                                               
                                            
                                               
    This cardholder agreement (�Agreement�) is for your Account with  We may also request additional information from you at any time to 
    Commerce Bank, and the Card(s) which has/have been given to you in  evaluate a transaction request or your use of the Account generally. 
    connection with your Account. Such Account and Card(s) provide you   
    with credit card services and ATM Services. �You� and �your� mean any  We are not responsible for any losses or damages, including 
    applicant for the Account and any person using the Account and/or  consequential damages, if a transaction on your Account is declined, 
    related Card(s) with the expressed or implied permission of any of the  either by us or a third party, even if you have sufficient credit available. 
    applicants. Any person whose name appears on the Account for the   
    Card(s) accompanying this Agreement consents, either by using or  PROMISE TO PAY 
    permitting another to use the Card(s), to all provisions of this Agreement.  You promise to pay for all Purchases, Balance Transfers, Convenience 
    �We�, �us� and �our� means Commerce Bank, our successors and  Checks, and Cash Advances made by you through the use of the 
    assigns.                                  Account. In addition, you promise to pay all other amounts owed due to 
                                              use of the Account by anyone else you authorize to use the Account until 
    In this Agreement:                        such person�s authority is ended. You may only end such person�s 
    Account is your credit card account.      authority by notifying us in writing and returning to us any Card such 
    Annual Fee is a fee charged on a yearly basis for your continued use of  person may have. All of you are responsible, both together and 
    the Account.                              individually, for the entire Account balance even though only one of you 
    APR is Annual Percentage Rate.            uses the Account. 
    ATM is Automated Teller Machine.           
    Balance Transfer is an advance made when transferring a balance from  BILLING STATEMENTS 
    another creditor to your Account.         You will receive a Statement periodically (normally monthly). Your 
    Business Days are Monday through Friday. Federal holidays are not  payment is due within 25 days from the date of the Statement (payment 
    included.                                 due date). 
    Card is the credit card(s) given to you in connection with your Account.   
    Cash Advance includes:                    PAYMENT OPTIONS 
      � Non-Overdraft Cash Advance is an advance made by means of  You may pay the new balance shown on your Statement each month or 
      an electronic device or machine, or a financial institution teller, or for  you may pay in monthly installments. If you decide to pay in monthly 
      the purchase of wire transfers, non-U.S. currency, travelers� checks,  installments, you must pay at least the minimum payment on your 
      money orders, lottery tickets and casino gaming chips.  Statement. The minimum payment includes any amount that exceeds 
      � Overdraft Cash Advance is an advance made by means of  your Revolving Credit Line plus the greater of: 
      overdraft protection.                   �  $30.00 or the full amount of your total balance if it is less than 
    Cash Limit is the maximum dollar amount of your Revolving Credit Line,  $30.00; or 
    as defined herein, available for Non-Overdraft Cash Advances.  �  1.00% of your new balance (or your Revolving Credit Line if your 
    Charges are costs imposed as part of this Agreement and include both  new balance exceeds your Revolving Credit Line) plus any amounts 
    interest and fees.                          that are past due, plus Fees (excluding Balance Transfer and/or 
    Convenience Check is a check provided to you to access credit from  Convenience Check Fees) and Interest Charges accumulated 
    your Account.                               during the billing period. 
    Daily Balance is determined, for each day in the billing cycle, by taking     
    the beginning balance, adding any new transactions or other debits, and  When a payment is posted to your Account, we reserve the right to 
    subtracting any payments or other credits.  restrict or delay all or part of the available credit created by the payment. 
    Daily Periodic Rate is the APR divided by 365.  The restriction or delay of the available credit is for risk management or 
    Fees are non-Interest Charges, including transaction fees.   other related purposes, including but not limited to protection against 
    Grace Period means the period of time during the billing cycle when you  actual or potential fraudulent activities or unauthorized transactions.  
    will not accrue Interest Charges on certain transactions or balances.   
    Interest Charges are the portion of Charges attributed to periodic  OVERDRAFT PROTECTION 
    interest rates.                           If you select overdraft protection, a Cash Advance will be made to cover 
    PIN is Personal Identification Number.    an overdraft in your designated Commerce Bank deposit account. Such 
    Prime Rate is the U.S. Prime Rate published in The Wall Street Journal  Overdraft Cash Advances will be in the amount of $50.00 or multiples of 
    in its column called �Money Rates� on the last Business Day of each  $50.00. If the designated deposit account is a joint account, you will be 
    month.                                    liable for all overdrafts on the account regardless of which joint account 
    Promotional Balance is the balance subject to the Promotional Rate.  owner caused, or benefited from the overdraft. Each Overdraft Cash 
    Balances subject to Introductory Rates are included.  Advance is at our discretion. We may permit or refuse to permit any 
    Promotional Rate is a rate other than the standard rate, tied to a special  Overdraft Cash Advance that would cause you to exceed the Cash Limit 
    offering. A Promotional Rate offered when you open your Account may  on your Account. We are not liable or responsible for any check drawn 
    be called an Introductory Rate.           that may for any reason be returned or otherwise dishonored. We may 
    Purchase means purchase of merchandise or services on the Account  cancel this overdraft feature at any time without notice. 
    plus related Charges and does not include any Balance Transfer,   
    Convenience Check, Cash Advance, and related Fees or Interest  BALANCE ON WHICH INTEREST CHARGES ARE CALCULATED 
    Charges.                                  If you accrue any Interest Charges on your Account at a variable rate, 
    Revolving Credit Line is the maximum dollar amount of your Account  that rate will be calculated by adding a margin to the Prime Rate. Please 
    balance you can carry over from month to month.  see the ACCOUNT OPENING DISCLOSURE, which is part of this 
    Statement is your billing statement.      Agreement, for specific information regarding the APRs used to 
                                              compute your Interest Charges. 
    CREDIT CARD SERVICES                       
    The following provisions relate only to credit card services except as  We calculate your Daily Balance for each day in the billing cycle by 
    otherwise applicable.                     taking your beginning balance, adding any new transactions or other 
                                              debits, and subtracting any payments or other credits. We multiply the 
    ACCOUNT DESCRIPTION                       Daily Balance by the Daily Periodic Rate to get your Interest Charges for 
    We will grant you a Revolving Credit Line as determined by us. Your  that day. We add these Interest Charges to your Daily Balance to get the 
    Revolving Credit Line is the maximum dollar amount of your Account  beginning balance for the next day. We do this for all days on which you 
    balance you can carry over from month to month. Your Revolving Credit  have a balance owing on the Account, disregarding any credit balance, 
    Line will be indicated on your Statement.  for the billing cycle. 
                                               
    Your Account is also subject to a No Pre Set Spending Limit. No Pre Set  We add all the daily Interest Charges and round the sum to the next 
    Spending Limit does not mean unlimited spending; rather each charge  highest cent to get your total Interest Charges for that billing cycle. We 
    that causes your Account balance to exceed your Revolving Credit Line  do this calculation separately for each type of balance. 
    will be evaluated by us based on several factors. These factors include,   
    but are not limited to, Account usage and performance, payment  The Prime Rate used to determine the APR on your Account is the U.S. 
    resources, other Account relationships with us, if applicable, and your  Prime Rate published in The Wall Street Journal in its column called 
    experience with other creditors.          �Money Rates� on the last Business Day of each month. Although each 
                                              Daily Periodic Rate is determined by an index published prior to the first 
    Your Account is subject to a Cash Limit equal to the amount of your  day of each calendar month, the respective Daily Periodic Rate will only 
    Revolving Credit Line less outstanding balances, including Fees and  become effective and charged as of the first day of the monthly billing 
    Interest Charges and will be indicated on your Statement. Your  period following the respective calendar month in which the index is so 
    outstanding balance will limit Cash Advance availability. The Cash Limit  published. No representation is made that the U.S. Prime Rate is the 
    does not apply to Overdraft Cash Advances. Overdraft Cash Advances  lowest, the best or the favored rate of interest. If for any reason The Wall 
    will be subject to the term of the Account�s No Pre Set Spending Limit.  Street Journal no longer publishes the �Money Rates� column, then we 
                                              will choose a new index based on comparable information. An increase 
    We may increase, reduce or cancel your Revolving Credit Line and/or  in the Prime Rate will cause your interest rate to increase and may cause 
    Cash Limit at any time without prior notice or liability. A change to your  your minimum monthly payment to increase. 
    Revolving Credit Line and/or Cash Limit will not affect your obligation to   
    pay us.                                   INTEREST CHARGE COMPUTATION 
                                              �  ON PURCHASES: Interest Charges begin to accrue on the 
    We may decline, at any time in our sole discretion, an authorization  transaction date, provided such date will never be later than the 
    request for any transaction for any reason, included but not limited to:   date the Purchase is posted to the Account or earlier than the first 
       �   operational considerations,          day of the billing cycle for the Statement on which such transaction 
       �  your Account is in default,           is shown. Purchases are subject to a Grace Period. If the previous 
       �   we suspect fraudulent or unlawful activity  balance is zero, or was paid in full by the payment due date shown 
                                                on your Statement, no Interest Charge will be assessed on current 
                                                Purchases. 
     
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                                              a $39 Late Payment Fee. At no time will the Late Payment Fee exceed 
    �  ON BALANCE TRANSFERS OR CONVENIENCE CHECKS:  the amount of the required minimum monthly payment. 
       Interest Charges begin to accrue on the date of the Balance   
                                            
       Transfer or Convenience Check, provided such date will never be  Other Fees 
       later than the date the Balance Transfer or Convenience Check is   
       posted to the Account or earlier than the first day of the billing cycle  Returned Payment Fee 
       for the Statement on which such transfer or check is shown.   No Fee will be charged for any check or other form of payment sent to us 
    �  ON CASH ADVANCES: Interest Charges begin to accrue on the  which is returned unpaid. 
       date of the Cash Advance, provided such date will never be later   
       than the date the Cash Advance is posted to the Account or earlier  Returned Item Fee 
       than the first day of the billing cycle for the Statement on which such  If we decline to honor a Convenience Check or when payment of a 
       advance is shown.                      Convenience Check is stopped at your request, we may charge a fee 
                                              (�Returned Item Fee�). The first time we decline to honor a Convenience 
    TOTAL INTEREST CHARGE COMPUTATION         Check or when payment of a Convenience Check is stopped at your 
    We add Interest Charges for each type of balance to obtain your total  request (�Returned Item First Occurrence�), a $28 Returned Item Fee 
    Interest Charge for each billing cycle.   may be imposed. After the Returned Item First Occurrence, if we decline 
                                              a Convenience Check or you request stop payment of a Convenience 
    PENALTY RATE AND WHEN IT APPLIES          Check at anytime during the next six billing cycles (�Returned Item 
    If at any time we have not received the required minimum monthly  Second Occurrence�), a $39 Returned Item Fee may be imposed. After 
    payment within 60 days of the respective payment due date, we may  the Returned Item Second Occurrence, any subsequent declined 
    increase the applicable APR to a penalty APR (�Penalty Rate�). Please  Convenience Check or stop payment of a Convenience Check during the 
    see the ACCOUNT OPENING DISCLOSURE for information  next six billing cycles will also incur a $39 Returned Item Fee. At no time 
    regarding the Penalty Rate for your Account. The Account may be  will the Returned Item Fee exceed the amount of the Convenience 
    eligible for your standard Daily Periodic Rates and corresponding APR  Check. 
    for each type of balance after you have met the terms of this Agreement   
    for six consecutive billing cycles after the monthly Statement on which  Convenience Checks and Document Copy Charges 
    the Penalty APR first appears. Otherwise, the Penalty Rate may apply  Charges for Convenience Checks and requests for copies of sales 
    indefinitely.                             drafts, Statements or other documents related to your Account may be 
                                              billed on your Account as Purchases in accordance with the fee schedule 
    TERMINATION OF INTRODUCTORY OR PROMOTIONAL RATES  established by us from time to time. No charge will be made for copy 
    If during an Introductory or Promotional Rate period, we have not  requests related to billing error resolution within 60 days of the disputed 
    received the required minimum monthly payment within 60 days of the  transaction. 
    respective payment due date, we will increase the applicable APR to the   
    Penalty APR. Introductory and/or Promotional Rates will not be  TOTAL FEE COMPUTATION 
    reinstated.                               We add all Fees assessed to obtain your total Fees for each billing cycle 
                                              (excluding transaction Fees for Balance Transfer and/or Convenience 
    FEES                                      Check). We will assess transaction Fees for Balance Transfers and/or 
                                              Convenience Checks to your Account in the same balance category to 
    Transaction, Annual and Penalty Fees:     which the transaction is posted.  
    Please see the ACCOUNT OPENING DISCLOSURE for information   
    regarding the specific Fees that may be charged to your Account.  CANCELLATION 
                                              To the extent permitted by law, Commerce Bank may cancel your 
    Minimum Interest Charge                   Account, refuse to allow further transactions against your Account or 
    A minimum Interest Charge will be imposed in any billing cycle for which  revoke your Card(s) at any time (whether or not you are in default of any 
    an Interest Charge is payable, and will appear on your Statement as a  part of this Agreement) including, without limitation, when any affiliation 
    Fee.                                      you may have with a sponsoring organization ceases or when any 
                                              agreement we may have with the sponsoring organization is terminated. 
    Balance Transfer Or Convenience Check Transaction Fee  Cancellation of your Account will not affect your liability to us for credit 
    You will be charged a transaction Fee, with a minimum and no  we have extended to you, including amounts not yet billed to your 
    maximum, for each Balance Transfer and/or Convenience Check posted  Account. We may cancel your Account without prior notice or liability. 
    to your Account.                          You must surrender the Card(s), either upon a direct request by us, or 
                                              any other bank or merchant who is acting upon our instructions. 
    Non Overdraft Cash Advance Transaction Fee   
    You will be charged a transaction Fee, with a minimum and no  CONDITIONS OF DEFAULT 
    maximum, for each Cash Advance posted to your Account.  We may consider you to be in default if we do not receive a required 
                                              payment when due, including the minimum payment by the date shown 
    Overdraft Cash Advance Transaction Fee    on your Statement; you fail to comply with the terms of this Agreement; 
    You will be charged a transaction Fee for each Cash Advance resulting  you make any false or misleading statements or omissions on your 
    from the overdraft protection.            application; you file a bankruptcy petition or have one filed against you; 
                                              we obtain information that causes us to believe that you may be unwilling 
    Annual Fee                                or unable to pay your debts to us or to others on time including, but not 
    Your Account may have a Fee that will be added annually to your  limited to, your failure to make any payment to us on any other 
    Account (�Annual Fee�). Please see the ACCOUNT OPENING  indebtedness or loan; you are declared incompetent by a court or a court 
    DISCLOSURE for information regarding the specific fee, if any, for  appoints a guardian/ conservator for you or your assets; or you die. 
    your Account.                              
    The imposition or payment of an Annual Fee does not affect or limit our  If we consider your Account to be in default, we may close your account 
    right to terminate this Agreement, cancel your Account, and demand  without notice and require you to pay the balance in a manner permitted 
    payment, in a manner permitted by law, of any amounts owed on your  by law (subject to applicable law regarding notice or right to cure). To the 
    Account.                                  extent permitted by law, if you are in default you will pay our collections 
                                              costs, attorneys� fees, court costs, and all other expenses of enforcing 
    Foreign Transactions                      our rights under this Agreement. 
    Please see the ACCOUNT OPENING DISCLOSURE for information   
    regarding the specific Fees that may be charged to your Account related  ALLOCATION OF PAYMENTS 
    to foreign transaction.                   We will allocate your minimum payment in the manner we determine. We 
                                              will apply the amount in excess of the minimum payment to balances 
    Visa and Mastercard Purchases, cash withdrawals and Cash Advances  with higher APRs before balances with lower APRs. 
    made in currencies other than U.S. Dollars will be converted to U.S.   
                           �  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 to 
    Visa itself receives or the government-mandated rate in effect for the  an employee at a Commerce branch will be posted as of date of receipt. 
    applicable central processing date. Mastercard conversion will be at a  Payments mailed to the address shown or made in person at a branch 
    rate selected by Mastercard, typically either a government-mandated  must be accompanied by the Account number or payment stub, and in 
    rate or a wholesale rate provided to Mastercard. Conversion to U.S.  the form of a check or money order in U. S. Dollars drawn on a U. S. 
    dollars may occur on a date other than the date of the transaction.  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 fee (�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 (�Late Payment First Occurrence�),  CT; Commerce Collections Department, 11:00 PM CT. A payment made 
    a $28 Late Payment Fee may be imposed. After the Late Payment First  through Commerce Online Bill Pay will be posted on the Pay Date. 
    Occurrence, if you make a late payment at anytime during the next six   
    billing cycles (�Late Payment Second Occurrence�), a $39 Late Payment  Conforming payments received after the respective cutoff time will be 
    Fee may be imposed. After the Late Payment Second Occurrence, any  posted no later than the next Business Day. Payments made by a third-
    subsequent late payment during the next six billing cycles will also incur  party payor, will be posted as of the date we receive the payment. 
                                               
     
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    When the due date falls on a weekend or holiday, your payment due  for ancillary products sold in connection with the credit transaction; any 
    date will be on the next Business Day.    application fee charged (other than certain application fees for specifed 
                                              credit transactions or accounts); and any participation fee charged (other 
                                            
    We may accept late payments, partial payments or checks and money  than certain participation fees for a credit card account). You can call toll 
    orders (or accompanying written communication) containing a statement  free to 855-225-1576 to hear the applicable required Military Lending Act 
    to the effect that the instrument was tendered as �payment in full,� full  disclosures. 
    satisfaction of a disputed claim or other similar language without losing   
    any rights under this Agreement or under the law. All such payments or  MISCELLANEOUS PROVISIONS 
    written communications must be mailed to: Commerce Bank, P.O. Box  You also agree that: 
    410857, Kansas City, MO 64141-1857.       �  We may refuse to extend credit to you or anyone using your 
                                                Account or Card(s). 
    CHANGE OF TERMS                           �  We will not be liable or responsible for anyone�s refusal to honor 
    Provided the Account is meeting the terms of this Agreement: (1) We will  your Card(s). 
    not increase an introductory APR during any Introductory Rate period;  �  Each Account you have with us is separate from any others you 
    and (2) We will not increase any APR, Annual Fee or minimum Interest  have with us, and Interest Charges will be charged on each 
    Charge for 12 months following account opening, except for increases  Account�s balance at the APR given with each Agreement. Each 
    due to the expiration of an Introductory or Promotional Rate period, if  individual Account will be designated by an individual Account 
    any; changes in the Prime Rate; completion or failure of a temporary  number. 
    hardship arrangement; application of a Penalty Rate; or the end of  �  Your Card(s) are Commerce Bank property. 
    military service to which the provisions of the Servicemembers Civil  �  We may change the premium enhancements offered at any time 
    Relief Act (SCRA) apply (�Exceptions�). Otherwise, we may change the  without further notice to you. 
    terms of the Agreement at any time, after notice and the right to reject if 
                                              �  Merchants with whom you�ve shared your Account number may be 
    required by law. Changes in any APR, other than the stated Exceptions, 
                                                updated with new Account information to ensure the continuation of 
    Annual Fee or minimum Interest Charge will apply to new transactions 
                                                your payment agreement. 
    created after the end of the 14th day following our providing notice to 
                                              �  You will not use your Card(s) for any purpose that has been 
    you. If you reject a change, your Account will be cancelled and you will 
                                                deemed illegal. We reserve the right to deny authorization requests 
    no longer be able to use the Account.  
                                                from online gambling merchants, whether or not online gambling is 
     
                                                illegal in the state in which you reside. 
    Cancellation of your Account will not affect your liability to us for credit 
                                              �  Commerce Bank may share your Account experience and 
    we have extended to you, including amounts not yet billed to your 
                                                transaction information with its Affiliates, which are members 
    Account. 
                                                of the Commerce Family of Companies as defined in your 
     
                                                Privacy Statement. Unless you call 1-800-543-4845, you agree 
    ELECTRONIC RECORDS 
                                                that Commerce Bank and its Affiliates may also share other 
    You agree that this document and all paper records related to your 
                                                information about you or your Account. 
    Account and whether or not the other paper records were submitted, 
                                              �  You must notify us immediately at Commerce Bank, P.O. Box 
    received or obtained in advance of, contemporaneously with or 
                                                411036, Kansas City, MO 64141-1036, if you believe any 
    subsequent to, the delivery of this document may, at the option of 
                                                information we reported to a credit reporting agency is inaccurate. 
    Commerce Bank, be converted by any digital or electronic method or 
                                               
    process to an electronic record or subsequently further converted or 
                                              SECURITY INTEREST 
    migrated to another electronic record format or electronic storage 
                                              Collateral securing other loans with us may also secure this 
    medium. You further agree that upon conversion to an electronic record 
                                              indebtedness. 
    as authorized herein such electronic record shall be the record of the 
                                               
    transaction and the electronic record shall have the same legal force and 
                                              CHANGES IN ADDRESS 
    effect as the paper documents from which it was converted. You waive 
                                              You agree to notify us immediately if you change your address. 
    any legal requirement that any documents digitally or electronically 
                                               
    converted be embodied, stored, or reproduced in a tangible media. You 
                                              INTERPRETATION 
    undersigned and agree that a printed or digitally reproduced copy of the 
                                              The Agreement shall be governed by applicable federal law and 
    electronic record shall be given the same legal force and effect as a 
                                              regulations. To the extent not preempted by applicable federal law, this 
    signed writing. In addition, you authorize and agree to destruction of the 
                                              Agreement shall be governed by the laws of the state of Missouri, but 
    paper documents by Commerce Bank upon conversion of the paper 
                                              Commerce Bank will rely on the provisions of Nebraska law with respect 
    documents to a digital or electronic record. 
                                              to the fees and charges (other than interest) that apply to your Account, 
     
                                              as authorized by Missouri Revised Statutes Section 408.145.  
    COMMUNICATIONS CONSENT 
                                               
    You expressly consent and agree that Commerce Bank and their 
                                              Your Billing Rights: Keep this Document for Future Use 
    affiliates, agents, vendors, collections agencies, and service providers 
                                              This notice tells you about your rights and our responsibilities 
    may use written, electronic or verbal means to contact you. The ways in 
                                              under the Fair Credit Billing Act. 
    which we may contact you include, but are not limited to, contact by 
                                               
    manual calling methods, live operator calls, prerecorded or artificial voice 
                                              What To Do If You Find A Mistake On Your Statement 
    calls and messages, text messages, emails, and/or automatic telephone 
                                              If you think there is an error on your Statement, write to us at: 
    dialing systems. You agree that Commerce Bank and their affiliates, 
                                              Commerce Bank, P.O. Box 411036, Kansas City, MO 64141-1036 
    agents, vendors, collections agencies, and service providers may contact 
                                              You may also send us this information via fax at 1-816-234-2811 
    you by using any email address or any telephone number you provide, 
                                               
    now or in the future, including a number for a cellular phone or other 
                                              In your letter, give us the following information: 
    wireless device, regardless of whether you incur charges as a result. 
                                                �  Account information: Your name and Account number. 
    Phone numbers and email addresses, you provide include those you 
                                                �  Dollar amount: The dollar amount of the suspected error. 
    give to us, those from which you contact us or which we obtain through 
    other means. Message and data rates may apply.  �  Description of problem: If you think there is an error on your 
                                                   bill, describe what you believe is wrong and why you believe it 
    Indemnification                                is a mistake. 
    If you provide telephone number(s) for which you are not the subscriber,  You must contact us: 
    you understand that you shall indemnify us for any costs and expenses,  �  Within 60 days after the error appeared on your Statement. 
    including reasonable attorneys� fees, incurred as a result of us contacting  �  At least 3 Business Days before an automated payment is 
    or attempting to contact you at the number(s) provided. In the event any  scheduled, if you want to stop payment on the amount you 
    of your contact information changes, you agree to immediately notify us.  think is wrong. 
                                              You must notify us of any potential errors in writing. You may call us, but 
    Communication Revocation                  if you do we are not required to investigate any potential errors and you 
    If you do not want to receive communications as described in the  may have to pay the amount in question. 
    previous paragraph, you must: (i) provide us with written notice revoking   
    your prior consent, (ii) in that written notice, you must include your name,  What Will Happen After We Receive Your Letter 
    mailing address, and the last four digits of your Account number; (iii)   
    advise whether you would like communications to cease via mail, voice  When we receive your letter, we must do two things: 
    calls, telephone number(s), email, text/SMS, or cease in all forms; (iv) if  1. Within 30 days of receiving your letter, we must tell you that we 
    you are requesting communications to cease via telephone number(s)  received your letter. We will also tell you if we have already 
    and/or email, please provide the specific phone number(s) and email  corrected the error. 
    address; (v) you must send this written notice to:  2. Within 90 days of receiving your letter, we must either correct the 
                                                error or explain to you why we believe the bill is correct. 
    Commerce Bank                              
    Attention � Commerce Bank Customer Service  While we investigate whether or not there has been an error: 
    P.O. Box 411036, Kansas City, MO 64141-1036  �  We cannot try to collect the amount in question, or report you 
                                                   as delinquent on that amount. 
    Telephone Conversation Recording            �  The charge in question may remain on your Statement, and 
    You consent and agree that our staff may monitor and/or record phone  we may continue to charge you interest on that amount. 
    calls between you and our representatives without additional notice to  �  While you do not have to pay the amount in question, you are 
    you, including but not limited to calls we make to service your account or  responsible for the remainder of your balance. 
    collect debt(s).                            �  We can apply any unpaid amount against your credit limit. 
                                                 
    MILITARY LENDING ACT DISCLOSURE           After we finish our investigation, one of two things will happen: 
    Federal law provides important protections to members of the Armed  �  If we made a mistake: You will not have to pay the amount in 
    Forces and their dependents relating to extensions of consumer credit. In  question or any Interest Charges or other Fees related to that 
    general, the cost of consumer credit to a member of the Armed Forces  amount. 
    and his or her dependent may not exceed an annual percentage rate of  �  If we do not believe there was a mistake: You will have to pay 
    36 percent. This rate must include, as applicable to the credit transaction  the amount in question, along with applicable Interest Charges 
    or account: The costs associated with credit insurance premiums; fees  and Fees. We will send you a Statement of the amount you 
     
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         owe and the date payment is due. We may then report you as   
         delinquent if you do not pay the amount we think you owe.   
                                               
                                            
    If you receive our explanation but still believe your bill is wrong, you must   
    write to us within 10 days telling us that you still refuse to pay. If you do   
    so, we cannot report you as delinquent without also reporting that you   
    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   
    know when the matter has been settled between us.   
                                               
                                                If we do not follow all of the rules above, you do not have to pay the first 
                                               
    $50 of the amount you question even if your bill is correct. 
                                               
     
                                               
    Your Rights If You Are Dissatisfied With Your Credit Card 
                                               
    Purchases 
                                               
    If you are dissatisfied with the goods or services that you have 
                                               
    Purchased with your credit card, and you have tried in good faith to 
                                               
    correct the problem with the merchant, you may have the right not to pay 
                                               
    the remaining amount due on the Purchase. 
                                               
     
                                               
    To use this right, all of the following must be true: 
                                               
                                               
      1. The Purchase must have been made in your home state or within   
      100 miles of your current mailing address, and the purchase price   
      must have been more than $50. (Note: Neither of these are   
      necessary if your Purchase was based on an advertisement we   
      mailed to you, or if we own the company that sold you the goods or   
      services.)                               
      2. You must have used your credit card for the Purchase. Purchases   
      made with Cash Advances from an ATM or with a check that   
      accesses your credit card Account do not qualify.   
      3. You must not yet have fully paid for the Purchase.   
                                               
    If all of the criteria above are met and you are still dissatisfied with the   
    Purchase, contact us in writing at:        
                                               
    Commerce Bank P.O. Box 411036, Kansas City, MO 64141-1036   
                                               
    While we investigate, the same rules apply to the disputed amount as   
    discussed above. After we finish our investigation, we will tell you our   
    decision. At that point, if we think you owe an amount and you do not   
    pay, we may report you as delinquent.      
                                               
    LIABILITY FOR UNAUTHORIZED USE             
                                               
    If your name appears on the Account for the Card(s) accompanying this 
                                               
    Agreement, then by using or permitting another to use the Card(s) and/or 
                                               
    PIN, you agree to all the provisions of this Agreement, including, but not 
                                               
    limited to your promise to pay. You will not be liable for unauthorized use 
                                               
    that occurs after you notify Commerce Bank orally or in writing. 
                                               
    Notification of loss, theft or possible unauthorized use may be mailed to 
                                               
    Commerce Bank, P.O. Box 411036, Kansas City, MO 64141-1036, or 
                                               
    you may call 1-800-645-2103. 
                                               
     
                                               
     
                                               
    __________________________________________ 
                                               
                                               
    If you have any questions regarding this Agreement, or our current fee   
    schedule, write to us at Commerce Bank, P.O. Box 411036, Kansas   
    City, MO 64141-1036, or call us at 1-800-645-2103.   
                                               
    (Effective 02/12/2019)                     
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
     
     
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                                                     OPTIONAL FEATURES 
                                               
                                            
                                               
    Commerce Bank credit cards may come with optional credit card  transfer funds between, or learn the balances in your checking, regular 
                             SM    � payment features, including Special Connections  and toggle . The  savings or money-market accounts; (ii) use funds from your checking, 
                    � Special Connections and toggle  features are offered at the sole  regular savings, and money-market accounts to make payments on your 
    discretion of Commerce Bank (�Commerce�) to Accountholders (�You� or  Commerce credit cards, lines of credit or loans or (iii) take cash 
    �Your�) that have Qualified Commerce Bank Credit Card Accounts. A  advances on your Commerce credit cards.  
    �Qualified Commerce Credit Card Account� means any open Account   
    that is not designated by Commerce as lost, stolen, fraud transferred,  The account(s) you designate for ATM accessibility will be considered 
                                                          SM credit revoked, closed, bankrupt, charged off, or in Consumer Credit  your Special Connections  Feature at the ATM account(s) (each, an 
    Counseling or recovery. By using these optional features, you  �ATM Account�). If you wish to designate one or more checking accounts 
    acknowledge that you have read and accepted the Commerce Bank  as an ATM Account, then you must designate one of those checking 
                                    SM  Special Connections terms and conditions (�Special Connections accounts as your Point of Sale Account, as defined below. In order to 
                               � Terms and Conditions and the Commerce Bank toggle  terms and  have ATM access to your checking accounts, you must at all times 
              � conditions (�toggle  Terms and Conditions�) which shall govern your use  maintain a Point of Sale Account. If you no longer have a Point of Sale 
    of and rights under these optional features.  Account, then you will lose ATM access to all of your checking accounts.  
                                               
                 SM                � The Special Connections  Terms and Conditions and toggle  Terms  Commerce has no control over the functionalities offered at non-
    and Conditions are a separate agreement and are not part of your  Commerce ATMs. Some or all of these features may not be available at 
    Agreement.                                all non-Commerce ATMs and some ATMs may allow you to perform 
                                              other functions not mentioned here, including the ability to make 
                  SM SPECIAL CONNECTIONS  FEATURE  purchases (e.g. stamps). If at any time you use a non-Commerce ATM to 
                        SM With this feature (�Special Connections  Feature�), and as permitted  request to take money from an account that you do not have or if the 
    from time to time, you may use your Card to access Commerce Bank  non-Commerce ATM does not prompt you to select a specific account 
    Special Connections Feature-eligible deposit accounts, credit cards,  from which to take the money, then you agree that Commerce will 
    lines of credit, and/or loans. You may request the Special Connections  attempt to comply with your request by providing you with money from 
    Feature from a Commerce Bank branch, through Commerce Bank  one of your open ATM Accounts. Cash withdrawals may be taken from 
    Online Banking, or from our Customer Service Department at 1-800-645- any open deposit ATM Account owned by you and cash advances may 
    2103. These features are not automatically activated.  be taken from any credit card ATM Account owned by you. 
                                               
                         �  �       � For customers with a Special Connections  Visa  or Mastercard  credit  Point of Sale Transaction 
                          SM card, please note: The Special Connections  Feature is different from a  You may designate one (1) checking account as your Special 
                                                    SM Commerce Bank Special Connections Visa or Mastercard credit card.  Connections  Feature at the point of sale account (�Point of Sale 
    The Special Connections Feature allows you to add certain functionality  Account�). At merchants that have agreed to accept the Card on 
                                                                           SM to any Commerce Bank-issued credit card, including Commerce Bank�s  networks utilized by us and support the Special Connections  Feature, 
    Special Connections Visa or Mastercard credit card. However, your  you can use funds in your Point of Sale Account to pay for your 
    Special Connections Visa or Mastercard credit card is not automatically  purchases. The use of your Card in this manner constitutes a 
    enabled with the Special Connections Feature. You must proactively  simultaneous withdrawal from and/or demand upon your checking 
    enroll any credit card, including your Special Connections Visa or  account, even though the transaction may not actually be posted to your 
    Mastercard credit card, in the Special Connections Feature in order for  account until a later date. Merchants decide how to interact with the 
                                                        SM that card to utilize the Special Connections Feature�s capabilities  Special Connections  Feature and the experience may vary.  
    described herein.                          
                                              Only Commerce checking accounts are eligible for this functionality and 
    ELECTRONIC FUND TRANSFERS                 only one (1) Commerce Bank checking account can be designated as 
    The following provisions apply only to electronic fund transfers (�EFTs�).  the Point of Sale Account at any one time. Your Point of Sale Account 
    EFTs are any transfer of funds initiated with your Card(s) at an ATM or  shall always remain as an ATM Account. If at any time you instruct 
    as a debit transaction at Point of Sale. We can cancel these services at  Commerce to remove the Point of Sale capabilities from your card, you 
    any time and for any reason without notice. We can also cancel your  will no longer have access to any of your checking accounts at the ATM.  
    entire Account, including credit card services, and revoke your Card(s)   
    as provided in the CANCELLATION paragraph above. This may be done  ATM and Point of Sale transactions will post to your checking account(s) 
    by an ATM or merchant not returning your Card(s) to you. We may  as detailed in your Deposit Agreement.  
    change the terms of this Agreement relating to EFTs without notice to   
    you unless required by law.               Foreign Transaction 
                                              For transactions occurring outside of the United States, the nature of 
    TELEPHONE NUMBER AND ADDRESS TO BE NOTIFIED IN EVENT  which is unspecified to us, we will apply the transaction to accounts in 
    OF UNAUTHORIZED TRANSFER                  the following order: checking, money-market, regular savings, 
    Tell us AT ONCE if you believe your card has been lost or stolen, or if  Commerce Visa or Commerce Mastercard. 
    you believe that an electronic fund transfer has been made without your   
    permission using information from your check. Telephoning is the best  Limitation on Frequency of Transfers. There are no limitations on the 
    way of keeping your possible losses down. You could lose all the money  number of transfers that can be made during any time period to or from 
    in your account plus your maximum overdraft line of credit. If you tell us  any deposit account, except as provided by federal regulations limiting 
    within 2 business days after you learn of the loss or theft of your card,  preauthorized transfers. By federal regulation, you are limited during any 
    you can lose no more than $50 if someone used your card without your  statement cycle to six preauthorized transfers (three of which may be by 
    permission.                               check, draft or similar order if the account is a money market-type 
                                              account). 
    If you do NOT tell us within 2 business days after you learn of the loss or   
    theft of your card, and we can prove we could have stopped someone  Limitation on Dollar Amount of Transfers. The balance available for 
    from using your card without your permission if you had told us, you  authorizing purchases and cash withdrawals is the lesser of 1) your 
    could lose as much as $500.               available deposit account balance, plus any credit available through an 
                                              overdraft protection line of credit or through any overdraft authorized by 
    Also, if your statement shows transfers that you did not make, including  us in our sole discretion, OR 2) daily dollar limitations. For cash 
    those made by card, code or other means, tell us at once. If you do not  advances against a Commerce Bank credit card, you may withdraw cash 
    tell us within 60 days after the statement was mailed to you, you may not  up to the lesser of your credit line or daily dollar limitations. In addition, 
    get back any money you lost after the 60 days if we can prove that we  daily withdrawal frequency limitations may apply to cash advances. 
    could have stopped someone from taking the money if you had told us in  Dollar limitations may differ at ATMs other than ours. 
    time. If a good reason (such as a long trip or a hospital stay) kept you   
    from telling us, we will extend the time period. By permitting another  Online Gambling. You agree that you will not use your card for any 
    person to use the card, you authorize and are fully liable for any  purpose that has been deemed illegal. We reserve the right to deny 
    transactions that person initiates until that person�s authority is ended.  authorization requests from online gambling merchants, whether or not 
    You may only end that person�s authority by notifying us.   online gambling is illegal in the state in which you use your card. 
                                               
    If you believe your card has been lost or stolen, or that someone has  Reservations and Merchant Authorization. Under certain 
    transferred or may transfer money from your account without your  circumstances, a merchant (e.g., hotel) may require the use of a card to 
    permission, call us at 1-800-617-7480 or write to us at Commerce Bank,  guarantee reservations that may result in a hold on the available funds in 
    PO Box 411036, Kansas City, MO 64141-1036. You should also call the  the account. If you cancel any guaranteed reservation made using the 
    number or write to the address listed above if you believe a transfer has  card, you must obtain a cancellation number. If you fail to do so, the hold 
    been made using the information from your check without your  placed for the guaranteed reservation will not be canceled and the 
    permission.                               amount will be held against the balance in the account. This may limit 
                                              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 the Special Connections  Feature. Depending on the type of accounts  number. In addition, authorizations issued for card transactions must be 
    that Commerce determines from time-to-time are eligible for the Special  canceled when you initiate a card transaction and subsequently use 
    Connections Feature as well as which of your accounts you choose to   another form of payment for the transaction such as a credit card or 
    access using the Special Connections Feature, you may use your Card  cash, since failure to have the authorization canceled may also result in 
    to perform the following functions where otherwise permitted:   a hold on funds in the account and limit your future transactions. 
                                               
    ATM Transaction                           POINT OF SALE TRANSACTIONS 
                                                                      SM At the ATM, insert your Card and enter the credit card PIN that you  The use of your card with the Special Connections  Feature to 
    established for this Card to (i) withdraw cash from, deposit money in,   purchase goods and services constitutes a simultaneous withdrawal from 
                                              and/or demand upon your checking account, even though the transaction 
     
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    may not actually be posted to your account until a later date. Any person  �  If through no fault of ours, you do not have enough money in your 
    or merchant honoring your card may be required to obtain approval or  account to make the transfer.  
    authorization for any transaction. When we approve a non-PIN  �  If the transfer would go over the credit limit on your overdraft line.    
    transaction (which may or may not require your signature), we may  �  If the ATM where you are making the transfer does not have 
    immediately reduce the available balance in your checking account by  enough cash.  
    the authorization amount requested by the merchant even though we  �  If the terminal or system was not working properly and you knew 
    have not received the transaction electronically for payment, which may  about the breakdown when you started the transaction.  
    differ from the final posted amount.      �  If circumstances beyond our control (such as flood or fire) prevent 
                                                the transfer, despite reasonable precautions that we have taken.  
    This authorization amount will not be available until our receipt of the 
                                              �  There may be other exceptions stated in our Agreement with you.  
    transaction OR no more than three business days after the transaction 
                                               
    date, whichever first occurs. If funds are not available for checks, other 
                                              ERROR RESOLUTION PROCEDURES 
    items or debits, you may be subject to overdraft or insufficient funds fees. 
                                              In case(s) of errors or questions about your EFTs, telephone us at 1-800-
    Transactions with your card will be posted to your account in the order 
                                              617-7480 or write us at Commerce Bank, PO Box 411036, Kansas City, 
    and with the same legal effect as checks or other debits drawn on your 
                                              MO 64141-1036 as soon as you can, if you think your statement or 
    account. You may use your card only in the manner and for the purposes 
                                              receipt is wrong, or if you need more information about a transfer listed 
    authorized by this Agreement. We may recognize a transaction even if 
                                              on the statement or receipt. We must hear from you no later than 60 
    we have not authorized it, but that does not mean we will authorize the 
                                              days after we sent the FIRST deposit statement on which the problem or 
    same type of transaction again. You do not have the right to stop 
                                              error appeared.  
    payment on any transaction originated by use of your card with the 
               SM                             �  Tell us your name and account number.  
    Special Connections  Feature, except recurring preauthorized transfers 
                                              �  Tell us the name of the merchant, the transaction date and the 
    as described in this Agreement.  
                                                dollar amount of the suspected error.  
     
                                              �  Describe the error or the transfer you are unsure about, and explain 
    Overdrafts. You are responsible for all authorized transactions initiated 
                             SM                 as clearly as you can why you believe it is an error or why you need 
    by use of your card with the Special Connections  Feature. If a negative 
                                                more information.  
    balance (overdraft) in your checking account results from the use of the 
                                              �  Tell us if you have already attempted to resolve the issue directly 
    card with the Special Connections Feature, you will pay us on demand 
                                                with the merchant.  
    this negative balance and our then current charge for overdrafts. If you 
                                              �  If you tell us orally, we may require that you send your complaint or 
    have an overdraft line of credit (Checking Plus) for an account, you are 
                                                question in writing within 10 business days.  
    bound by the rules and regulations that apply to that credit privilege 
                                               
    (Overdraft Protection). In addition, if your checking account is closed 
                                              We will determine whether an error occurred within 10 business days 
    before transactions are posted, you will pay us on demand the 
                                              after we hear from you and will correct any error promptly. If we need 
    outstanding amount. 
                                              more time, however, we may take up to 45 calendar days to investigate 
     
                                              your complaint or question. If we decide to do this, we will credit your 
    FEES 
                                              deposit account within 10 business days for the amount you think is in 
    Fees for all EFT services are disclosed in our fee schedule. You will 
                                              error so that you will have the use of the money during the time it takes 
    receive a fee schedule at account opening. You may request a copy of 
                                              us to complete our investigation. If we ask you to put your complaint or 
    our current fee schedule at any Commerce branch or by contacting 1-
                                              question in writing and we do not receive it within 10 business days, we 
    800-453-2265. When you use an ATM not owned by us you may be 
                                              may not credit your deposit account.  
    charged a fee by the ATM operator (or any network used) for a 
                                               
    transaction or for a balance inquiry even if you do not complete a fund 
                                              For errors involving new accounts, point-of-sale, or foreign-initiated 
    transfer. 
                                              transactions, we may take up to 90 days to investigate your complaint or 
     
                                              question. For new accounts, we may take up to 20 business days to 
    RIGHT TO RECEIVE DOCUMENTATION OF TRANSFERS 
                                              credit your account for the amount you think is in error.  
     
                                               
    Terminal Receipts. You will get a receipt at the time you make any 
                                              We will tell you the results within three business days after completing 
    transfer to or from your deposit account using an ATM or electronic POS 
                                              our investigation. If we decide that there was no error, we will send you a 
    terminal.  
                                              written explanation. You may ask for copies of documents that we used 
     
                                              in our investigation. 
    Preauthorized Credits. If you have arranged to have direct deposits 
                                               
    made to your deposit account at least once every 60 days from the same  � TOGGLE  FEATURE 
    person or company, you can call us at 1-800-746-8704 to find out  � Commerce may add toggle  to any Qualified Commerce Visa or 
    whether or not the deposit has been made.  
                                              Mastercard Credit Card Account.  
     
                                               
    Periodic Statement. You will get a monthly deposit statement if you 
                                              DEMAND DEPOSIT ACCOUNT 
    have a deposit account upon which checks or drafts may be drawn. You 
                                              You may link up to two (2) demand deposit accounts (each, a �DDA�) to 
    will get a monthly deposit statement on your regular savings account if      � Your Qualified Commerce Credit Card Account for the use of the toggle  
    there are electronic transfers during the month. In any case, you will get 
                                              payment feature. 
    a regular savings deposit statement quarterly. 
                                               
     
                                              If You link a Commerce DDA to Your Account, that DDA must be an 
    DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES 
                                              open checking account. You must have an ownership relationship to that 
    We will disclose information to third parties about your account or the 
                                              DDA in order to link it to Your credit card Account. Any person using the 
    transfers you make:  
                                              Account and/or related Card(s) with the expressed or implied permission 
    �  Where it is necessary for completing transfers. Merchants with 
                                              of any of the applicants (�Authorized Users�) will have access to the 
       whom you�ve shared your account number may be updated with 
                                              linked DDA through the use of Your Account.  
       new account information to ensure the continuation of your payment 
                                               
       agreement.  
                                              Any DDA that has been designated by Commerce as having a 
    �  In order to verify the existence and condition of your account for a 
                                              garnishment, a closed-to-posting restriction, or has been forced to close 
       third party, such as a consumer reporting agency or merchant.  
                                              by Commerce, will not be eligible to link to Your Account for the purpose 
    �  In order to comply with government agency or court orders.   � of the toggle  payment feature. Small Business banking accounts will not 
    �  If you give us your permission.                                      � be eligible to link to Your Account for the purpose of the toggle  payment 
    �  In accordance with our current Privacy Policy Notice.  
                                              feature.  
     
                                               
    RIGHT TO STOP PAYMENT OF PREAUTHORIZED TRANSFERS AND 
                                              If You link a non-Commerce DDA to Your Account, You must provide 
    PROCEDURES FOR DOING SO; RIGHT TO RECEIVE NOTICE OF 
                                              Commerce with the account number and the routing information for that 
    VARYING AMOUNTS; AND OUR LIABILITY FOR FAILURE TO STOP 
                                              financial institution. Certain transaction restrictions may apply to such 
    PAYMENT 
                                              non-Commerce DDAs. Please refer to such bank�s terms and conditions 
    If you have told us in advance to make regular payments out of your 
                                              of Your DDA for applicable fees, restrictions and/or limitations of Your 
    deposit account, you can stop any of these payments. Here�s how: Call 
                                              DDA.  
    us at 1-800-617-7480 or write us at Commerce Bank, PO Box 411036, 
                                               
    Kansas City, MO 64141-1036 in time for us to receive your request three 
                                              PAYMENT PREFERENCES 
    business days or more before the payment is scheduled to be made. If 
                                              �Payment Preferences� means the selection of a category, setting and/or 
    you call, we may also require you to put your request in writing and get it 
                                              amount you choose to determine if a credit card purchase is to be paid 
    to us within 14 days after your call.  
                                              for from your linked DDA or if it is to remain a part of your credit card 
     
                                              balance.  
    Notice of Varying Amounts. If these regular payments may vary in 
                                               
    amount, the person you are going to pay will tell you, 10 days before 
                                              PAY NOW�  
    each payment, when it will be made and how much it will be. You may 
                                              �Pay Now�� means a credit card purchase that will be automatically 
    choose to get this notice only when the payment would differ by more 
                                              paid for from Your DDA according to Your Payment Preferences. Any 
    than a certain amount from the previous payment, or when the amount 
                                              purchase made by You or an Authorized User with Your Account, will be 
    would fall outside certain limits that you set.  
                                              paid for from the DDA that has been linked to Your Account, and in 
     
                                              accordance with the Payment Preferences that have been selected by 
    Liability for Failure to Stop Payment of Preauthorized Transfers. If 
                                              the applicants of the Account. 
    you order us to stop one of these payments three business days or more 
                                               
    before the transfer is scheduled, and we do not do so, we will be liable  � When a toggle  credit is posted to your Account, we reserve the right to 
    for your losses or damages.                                                � place a temporary hold on the available credit created by the toggle  
                                                    � credit. toggle  does not, nor is it intended to, shorten the time-frame in 
    Our Liability for Failure to Make Transfers. If we do not complete a 
                                              which your available credit is replenished after a payment to your 
    transfer to or from your deposit account on time or in the correct amount 
                                              Account. 
    according to our Agreement with you, we will be liable for your losses or 
                                               
    damages. However, there are some exceptions. We will not be liable, for 
                                              Purchases may take 1-2 business days to post to Your Account following 
    instance:  
                                              the date of Purchase. After the Purchase has posted to Your Account, an 
                                              ACH may take 1-2 business days to appear as a debit on Your DDA. 
     
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                                              and any terms and conditions contained in any document issued to You 
    Payments are not applied to the required minimum payment due on Your  by Commerce.  
    Statement each month. You will still have a required minimum payment   
                                            
    due each month, which will appear on Your Statement and will be  This authorization is to remain in effect until Commerce has received 
                                                                               � subject to the terms of Your cardholder agreement.  electronic notice of termination from You. You may terminate toggle  
                                              electronically through Online Banking, or by contacting us at 1-800-645-
    PAY LATER�                                2103. Your notice must be sent in such time and manner as to afford 
    �Pay Later�� means any Purchase that is made with Your Account that  Commerce Bank a reasonable opportunity to act upon the termination 
    will not be automatically paid for from a DDA, and will become a part of  (but in no event less than three business days). Commerce reserves the 
                                                             � your outstanding credit card balance.   right to decline or cancel toggle  service at any time. 
    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 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 
    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 toggle  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 toggle  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 toggle  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 toggle 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 
     
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