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This cardholder agreement  (�Agreement �) is for your Account with 
Commerce Bank,  and the Card(s) which has/have been given to you in 
connection with your Account.  Such Account and Card(s) provide you 
with credit card services and ATM Services.  �You� and �your� mean any 
applicant for the Account and any person using the Account and/or 
related Card(s) with the expressed or implied permission of any of the 
applicants.  Any person whose name appears on the Account for the 
Card(s) accompanying this Agreem ent consents, either by using or 
permitting another to use the Card(s), to all provisions of this Agreement 
and the related Security Agreement and Assignment of Secured Credit 
Card Savings Account and Deposit Account Agreement.  �We�, �us� and 
�our� means Commerce Bank , our successors and assigns.   
 
This Agreement contains an arbitration provision, a class action 
waiver, and a jury trial waiver. Please read the entire section titled 
�DISPUTE RESOLUTION - ARBITRATION� and the section titled 
�DISPUTE RESOLUT ION � JURY TRIAL WAIVER.�  
 
In this Agreement:  
Account is your credit card account.  
Annual Fee is a fee charged on a yearly basis for your continued use of 
the Account.  
APR is Annual Percentage Rate.  
ATM is Automated Teller Machine.  
Balan ce Transfer is an  advance made when transferring a balance from 
another creditor to your Account.  
Business Days are Monday through Friday.  Federal holidays are not 
included.  
Card is the credit card(s) given to you in connection with your Account.  
Cash Adv ance includes:  
� Non-Overdraft Cash Advance is an  advance made by means of 
an electronic device or machine, or a financial institution teller, or for 
the purchase of wire transfers, non -U.S. currency, travelers� checks, 
money orders, lottery tickets and ca sino gaming chips.  
� Overdraft Cash Advance  is an  advance made by means of 
overdraft protection.  
Cash Limit is the maximum dollar amount of your Credit Line , as defined 
herein,  available for Cash Advances.  
Charges are costs imposed as part of this Agreemen t and include both 
interest and fees.   
Convenience Check is a check provided to you to access credit from 
your Account.  
Daily Balance is determined, for each day in the billing cycle, by taking 
the beginning balance, adding any new transactions or other d ebits, 
(excluding  any active  Installment Plans)  and subtracting any payments or 
other credits.  
Daily Periodic Rate is the APR divided by 365.  
Fees  are non -Interest Charges, including transaction fees.  
Grace Period means the period of time during the billing cycle when you 
will not accrue Interes t Charges on certain transactions or balances.  
Installment Plan  is a feature that can be used to make  fixed monthly 
payments over a  pre-selected number of billings cycle s for qualifying  
transaction (s). 
Installment P lan Fee  is a fee ch arged on a monthly basis on all active 
Installment Plans . 
Interest Charges  are the portion of Charges attributed to periodic 
interest rates.  
PIN is Personal Identification Number.  
Prime Rate is the U.S. Prime Rate published in The Wall S treet Journal 
in its column ca lled �Money Rates � on the last Business Day of each 
month.  
Obligations are any and all amounts owed under this Agreement 
including, but not limited to, Purchases, Cash Advances and Charges.  
Promotional Balance is the balance s ubject to the Promo tional Rate .  
Balances subject to Introductory Rates are included.  
Promotional Rate is a rate other than the standard rate, tied to a special 
offering.  A Promotional Rate offered when you open your Account may 
be called an Introductory Rate.  
Purchase mean s purchase of merchandise or services on the Account 
plus Charges, but does not include any Balance Transfer, Convenience 
Check, Cash Advance , Instal lment Plan  and related Fees or Interest 
Charges . 
Secured Credit Card Savings Account ( �Pledged Account �) is a  
deposit account that serv es as c ollateral for your Obligations.    
Statement  is your billing statement.  
 
CREDIT CARD SERVICES  
The following provisions relate only to credit card services except as 
otherwise applicable.  
 
ACCOUNT DESCRI PTION  
At Account op ening, we will grant you a li ne of credit with a minimum 
dollar limit of $ 400, and a maximum dollar limit of $5,000 equal to the 
amoun t you deposit into your Pledged Account  (�Credit Limit �) and may 
designate a �Cash Limit �. If your acco unt is in good stan ding, you may 
subsequently in crease the credit limit by depositing additional funds in 
increments of $100 dollars to the Pledged Ac count up to the $5 ,000 
maximum. Accrued interest on the Pledged Account will be included in 
meeting the $1 00 increment. Large r deposits and credit limits in excess 
of $5 ,000 are at our sole discretion. These limits will be  indicated on your 
Statement. You may not decrease your credit limit by withdrawing funds 
from the Pledged Account.   
 
Subject to the terms of this Agreement, you may use your Account to 
make Purchases and obtain Balance Transfers , Convenience Checks , 
Installment Plans  and Cash Advances  that do not exceed your Credit 
Limit and /or Cash Limit at any time.  Should your Purchases, Balance 
Transfer s, Convenience Chec ks, Installment Plans  and/or Cash 
Advances ever exceed your Credi t Limit and /or Cash Limit , we reserve 
the right to terminate this Agreement and demand the return of your   
 
 
 
Card(s).  We can increase or decrease your Credit Limit and/or Cas h 
Limit at an y time without prior notice or liability.  A change to your Credit 
Limit and /or Cash Limit will not affect your obligation to pay us.  
 
We may  decline, at any time in our sole discretion, an authorization 
request for any transaction for a ny reason, included  but not limited to:                                              
� opera tional considerations,  
� your Account is in default,  
� we suspect fraudulent or unlawful activity  
 
We are not responsible for any losses or damages, including 
consequenti al damages, if a tr ansaction on your Account is declined,  
either by us or a third party, even if you have sufficient credit available.  
 
INSTALLMENT PLAN  
Installment Plans may be available for eligible Accounts  to initiate  and 
can be used  for qualifying transaction (s) only; and not for a Cash 
Advance, Balance Transfer, or any  Fee owed to us . When selecting a n 
Installment Plan, the qualifying  transaction (s) will be moved to an  
Installment Plan balance and may be subject to a n Installment Plan  Fee 
instead of the periodic intere st rate. If you do no t pay your entire 
Installment Plan balance in the pre -selected amount of billing  cycles , any 
remaining balance will be transferred to your applicable Purchase  or 
Conve nience C heck  balance and your respective  periodic interest rate 
applied.  
 
We may limit th e number of active Installment Plans you can have at one 
time and reserve the right to change this number at any time . Installment 
Plans cannot be cancelled after they have been set up, but you can 
choose to pay the Installment  Plan early by p aying the new balance , 
shown on your most re cent Statement, in full. If you pay an Installment 
Plan off early, you will not incur any future Installment Plan Fees for that 
Installment Plan . 
 
In the event you return items from an Installment Plan, we will c hoose 
how to apply the cr edit to  your existi ng Account balances, including 
whether to apply a credit to an Installment Plan balance or a different 
balance.  
 
PROMISE TO PAY  
You promise to pay for all Purchases , Balance Transfers , Convenience 
Check s, Instal lment Plans  and Cash Advances made by you th rough the 
use of the Account. In addition, you promise to pay all other amoun ts 
owed due to use of the Account by anyone else you authorize to use the 
Account until such person�s authority is ended.  You may onl y end such 
person�s authority by  notifying u s in writing and returning to us any Card 
such person may have. All of you ar e responsible, both together and 
individually, for the entire Account balance even though only one of you 
uses the Account.  
 
SECURED C REDIT CARD SA VINGS ACCOUNT  
You a re required to open a pledged account (�Pledged Account�)  which 
will serve as security for  your Obligations and execute a security 
agreement and assignment of secured credit card savings accou nt 
(�Savings Account�) . The owner s of the Savi ngs Account and the  
Pledged Acc ount must be the same. The issuance of your Card or 
increase of your credit li mit may be delayed f or a reasonable period of 
time, following the deposit of funds to the Pledged Account.   
 
Collateral securi ng othe r loans with us may also secure this 
indebte dness.  
 
BILLING STATEMENTS  
Approximately once a month, you will receive a Stat ement. On average, 
your payment is due within 25 days from the date of the Statement 
(payment due date).  
 
PAYMENT OPTIONS  
You m ay pay  the new bala nce shown on your S tatement eac h month or 
you may pay in monthly installments.  If you decide to pay in month ly 
installments, you must pay at least the minimum payment on your 
Statement.  The minimum payment will include the sum of a ll active 
Installment P lan payment s due, plus the grea ter of : 
 
� $30.00 or the full amount of your total balance  (excluding any active 
Installment Plan balances)  if it is less than $30.00; or  
� 1.00% of your new balance  (excluding any  active  Installment Plan 
balance s) plus any amoun ts that are pa st du e, plu s Fees  (excluding 
Balance Transfer and/or Convenience Check Fees) and Interest 
Charges accumulated during the billing period.  
   
When a payment is posted to your Account, we reserve the right to 
restrict or delay a ll or part of the  available cre dit created  by th e payment.   
The restriction or delay of the available credit is for risk management or 
other related purposes, including but not limited to protection against 
actual or potential fraudulent activities or unau thorized transact ions.   
 
OVERDR AFT P ROTECT ION 
If you select overdraft protection, a Cash Advance will be made to cover 
an overdraft in your designated Commerce Bank deposit account.  Such 
Overdraft Cash Advances will be in the amount of $50.00 or multiples  of 
$50.00.  If t he designated depos it acc ount i s a joint account, you will be 
liable for all overdrafts on the account regardless of which joint account 
owner caused, or benefited from the overdraft.  Each Overdraft Cash 
Advance is at our discretion.   We may permit or ref use to permit any 
Overdra ft Cas h Advance that would cause you to exceed the Cash Limit 
on your Account.   We are not liable or responsible for any check drawn 
that may for any reason be returned or otherwise dishonored.  We may 
cancel this overdraft feature  at any time w ithou t noti ce. 
 CARDHOLDER AGREEMENT  
    
 
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BALANCE ON WHICH INTEREST CHARGE S ARE CALCULATED  
If you accrue any Interest Charge s on your Account at a variable rate, 
that rate will be calculated by adding a margin to the Prime Rate.  Please 
see the ACCOU NT OP ENING DISCLOS URE, which is part of th is 
Agre ement, for specific information regarding the APRs used to 
compute your Interest Charges.  
 
We calculate your Daily Balance for each day in the billing cycle by 
taking your beginning balance, adding any new t ransa ctions (exclu ding 
any active Installm ent Pla ns) or other debits, and  subtracting any 
payments (excluding payments toward any active Installment Plan)  or 
other credits.  We multiply the Daily Balance by the Daily Periodic Rate 
to get your Interest Char ges f or that day.  We add these Inter est C harges 
to your Daily Balance to get the beginning balance for the next day.  We 
do this  for all days on which you have a balance owing on the Account, 
disregarding any credit balance, for the billing cycle.  
 
We add  all the daily Int erest Charges and r ound the sum  to the next 
highest cent to get your total Interest Charges for that billing cy cle.  We 
do this calculation separately for each type of balance.  
 
The Prime Rate used to determine the APR on your Account is the U .S. 
Prime Rat e published in The Wall Street Journal  in its column called 
�Money Rates � on the last Business Day of each mont h.  Although each 
Daily Periodic Rate is determined by an index published prior to the first 
day of each calendar month, the re spect ive Daily Per iodic Rate will onl y 
become eff ective and charged as of the first day of the monthly billing 
period following t he respective calendar month in which the index is so 
published.  No representation is made that the U.S. Prime Rate is the 
lowest, the best or t he favored rate of interest.  I f for any reason  The Wall 
Street Journal  no longer publishes the �Money Rates � column, then we 
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 
your minim um mont hly payment to increase.  
 
INTEREST CHARGE COMPUTATION  
 
� ON PURCHASES:  Interes t Charges begin to accrue on the 
transaction date, provided such date will never be later than the 
date the Purchase is posted to the A ccount or ear lier than the first  
day of the billing cycle for the Statement on which such transaction 
is shown.  Purchase s are subject to a Grace Period.  If the previous 
balance is zero or was paid in full by the payment due date shown 
on your Statem ent, no Interest C harge will be asses sed o n curr ent 
Purchases.  
 
� ON BALANCE TRANSFERS OR CONVENIENCE CHECKS:  
Except for Convenience Checks associated with Installment Plans,  
Interest Charges  begin to accrue on the date of the Balance 
Transfer or Convenienc e Ch eck, provided such date will neve r be 
later than the date the Bal ance Transfer or Convenience Check is 
posted  to the Account or earlier than the first day of the billing cycle 
for the St atement on which such transfer or check is shown.  
 
� ON CASH ADVANC ES:  Interest Char ges begin to accrue  on the 
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 
than the firs t day of the billing cycle for the Statement on which such 
advance  is shown.   
 
� ON INSTALLMENT PLANS:  No Interest Charges  are applied t o 
active Installment Plans .  
 
TOTAL INTERES T CHARGE COMPUTATION  
We add Interest Charges for each type of balance  (excluding active 
Installment Plans)  to obtain your total Interest Charge for each billing 
cycle.   
   
TERMINA TION O F INTRODUCTORY  OR PROMOTIO NAL RATES  
If during an Introductory or Promo tional Rate period, we have not 
received the required minimum monthly payment within 60 days of the 
respective payment due date, we will increas e the applicable APR to the 
penalty APR.  Introductory a nd/or Promot ional Rates will not be 
reinstated.  
 
TERMINA TION OF INSTALLMENT PLAN  
If, during a period when an active Installment Plan is associated with  the 
Account, we have not received the required minimum monthly p ayment 
within 60 da ys of the respective payment due  date, we will cancel the 
Installment Plan a nd will apply the Penalty APR . The Installment Plan 
cannot be reinstated or recreated.   
 
FEES  
 
TRANSACTION, ANNUAL AND PENALTY FEES:   
 
Please s ee the ACCOUNT OP ENING DISCLOSURE for info rmation 
regarding the spec ific Fees that may be charged to your Accoun t. Your 
Installment Plan Fee will be displayed at the point of purchase  as part of 
your purchase confirmation  or Convenience Check offer . 
 
Minim um Interest Charg e 
A minimum In teres t Char ge will be imposed in any billing cycle for which 
an Interest Charge is payable  and will appear on your Statement as a 
Fee. 
 
Annual Fee  
Your Account may have an Annual Fee that will be added annually to 
your Accoun t. The imp osition or paym ent of an A nnual Fee does not 
affect or limit our right to terminate this Agreement, cancel your Account, 
and demand paym ent, in a manner permitted by law, of any amounts 
owed on your Account.  
  
Late Payment Fee  
For each minimum pa yment not r eceived  by the fifteenth day following 
the payment due date, we m ay charge a  Fee (�Late Payment Fee �).   
 
Foreign Transactions  
Visa and  MasterCard Purchases, cash withdrawals and Cash Advances 
made in currencies other than U.S. Dollars will be c onverted t o U.S. 
Dollars under regu lations established by VISA� Internation al and 
MasterCard� International.  Visa conversion will be at a rate se lected by 
Visa from the range of rates available in wholesale currency markets for 
the applicable central proc essing dat e, which may va ry from th e rate 
Visa itself receives or the gover nment -mandated rate in effect for the 
applicable central processing dat e.  MasterCard conversion will be at a 
rate selected by MasterCard, typically either a government -mandated 
rate or a who lesale rate pro vided to M asterCard.  Conversion to U.S. 
dollars m ay occur on a date other than the date of the transaction.  
Therefore, the conversion rate may be different from the rate in effect at 
the time of the transaction.  You agree to pay  the conve rted am ount plu s 
the appl icable foreign transaction Fee.  For Pur chases, cash 
withdrawals, and Cash Advances made in U.S. dollars outsid e of the 
United States and its territories, you agree to pay the transaction 
amount, plus the applicable forei gn transac tion Fee. 
 
Bala nce Transf er Or Convenience Check Transaction Fee  
You will not be charged a transaction Fee for each Balance Transfer 
and/or Convenience Check posted to your Account.  
 
Non Overdraft Cash Advance Transaction Fee  
You will not be char ged a trans action Fee for each Cash A dvan ce posted 
to your Account.  
 
Overdraf t Cash Advance Transaction Fee  
You will not be charged a transaction Fee for each Cash Advance 
resulting from the overdraft protection.  
 
Installment Plan  Fee 
You may be charged an Instal lment Plan  Fee for each In stallme nt Plan. 
Each Installment Plan  Fee will be disclosed prior to establishing the 
Installment Plan  and charged monthly throughout the Installment P lan 
duration.  The Installment Plan Fee will appear on your Statement .   
 
Overli mit Fee  
In the event your balance  exceeds your credit limit, no Fee will be 
charged.  
  
OTHER FEES:  
 
Returned Payment Fee  
A Fee will be charged for any check or other form of payment sent to us 
which is returned unpaid.  
 
Convenience Checks and D ocument Cop y Charge s 
Charges for Conv enience  Checks and requests for copies of sales 
drafts, Statements or other documents related to yo ur Account may be 
billed on your Account as Purchases in accordance with the fee schedule 
established by us from time to  time.  No charge w ill be made for co py 
requests related to billi ng error resolution wit hin 60 days of the disputed 
transaction.  
 
TOTAL FEE COMPUTATION  
We add all Fees assessed to obtain your total Fees for each billing cycle . 
Installment Plan Fees will be  charged mo nthly th rough out the Insta llment 
Plan duration .   
 
CANCELLATION  
To the extent permitted by law, Commerce Bank may cancel your 
Account, refuse  to allow further transa ctions against your Account or 
revoke your Card (s) at any time (whether or not y ou are in d efault o f any  
part of this  Agreem ent) including, without limitation, when any affiliation 
you may have with a sponsoring organization ceases or when any 
agreement we  may have with the sponsoring organization is t erminated.  
Cancellation of your Account wil l not af fect your liabilit y to us  for credit 
we have extended to you, including amounts not yet billed to your 
Account.  We may cancel your A ccount without prior not ice or liability.  
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.  
 
CONDITIONS OF DEFAULT  
We may consider you to be in default if we do not recei ve a required 
payment wh en due, including the minimum payment by the da te shown 
on your Statement; you f ail to comp ly with the terms of this Agreeme nt; 
you make any false or misleading statements or omissions on your 
application; you file a bankruptcy peti tion or have one filed a gainst you; 
we obtain information that causes u s to believe that you may be unwi lling 
or un able to pay y our debts to us or t o others on time including, but not 
limited to, your failure to make any payment to us on any other 
indebted ness or loan; you are de clared incompetent by a court or a court 
appoin ts a guardian/ conservator for yo u or your a ssets; or you die. 
 
If we conside r your Account to be in default, we may close your Account 
without notice, require you to pay the balance in  a manner permitted by 
law and/or exercise our rights under the Securit y Agreement and 
Assignment of Sec ured Credit  Card Sa vings  Account (sub ject to  
applicable law regarding notice or right to cure).  To the extent permitted 
by law, if you are in default y ou will pay our collecti ons costs, attorneys� 
fees, court costs, and al l other expenses of enforcing our  rights und er 
this Agree ment.  
 
ALLOCA TION OF  PAYMENTS  
We will allocate your minimum payment in the manner we determine . If 
there are any active Installment Plans associated with the Account, we 
will apply payment to the Install ment Plan (s) first. We will then apply t he 
amoun t in excess of the  minimu m payment to balances with higher APRs     
 
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 before balances with lower APRs  and then to any Installment Plan 
balance (s) in order of earliest Installment Plan expiration date.  
 
RECEIP T OF PAYMENTS  
Payments received bef ore 5 PM C T at the  address shown on y our 
Statement on any of our regular Business Days will be posted as of the 
date of receipt.   Payments made in pe rson before the close of business 
to an employee at a Commerce branch wi ll be posted as of date of 
receipt.   Payments  mailed to the address show n or ma de in person at a 
branch must be accompanied by the Account number or payment stub, 
and in the form of a check or money order in U. S. Dollars drawn on a U. 
S. financial institu tion.  Convenience Checks will not be accepte d as a 
form o f payment.  Do  not se nd cash through the mail.  A delay in crediting 
the payment to your Account may occur if the payment does not meet 
these requirements for making payments (conforming payments).  In no 
case shall such delay exceed f ive days f rom rece ipt of such payment . 
 
The cutoff time for payments made on any of our regular Business Days 
through Commerce as transfers from your  Commerce deposit account 
are as follows:   Commerce ATM, 7:00 PM CT; Com merce Online 
Banking, including Mob ile Bankin g, 7:00 PM CT ; Commerce Acc ount 
Information Line, 7:00 PM CT ; Commerce Collections Department, 11: 00 
PM CT. A payment made through Commerce Online Bill Pay will be 
posted on the Pay Date.  
 
Conforming payments re ceived after the respective cutoff time will be 
poste d no later than the  next B usiness Day.  Payments made by a third -
party payor, will be post ed as of the date we receive the payment.  
 
When the due date falls on a weekend or holiday, your payment due 
date will be on the next Business Day.  
 
We may ac cept lat e pay ments, partial  paymen ts or checks and money 
orders (or accompanying written communica tion) containing a statement 
to the effect  that the instrument was tendered as �payment in full, � full 
satisfacti on of a disputed claim or other sim ilar langu age with out losing 
any righ ts unde r this Agreement or under the law.  All such payments or 
written  communications must be mailed to:  Commer ce Bank,  P.O. Box 
410857, Kansas City, MO 64141 -1857.  
 
CHANGE OF TERMS  
Provided the Account is meeting the  terms of this Agr eemen t:  (1) We 
will not i ncrease an introductory APR during any Introductory Rate 
period;  and (2) We will not increase any APR, Ann ual Fee or minimum 
Interest Charge for 12 months following account open ing, except for 
increases due to th e expirati on of an  Introductory or Pr omotion al Rate 
period, if any; changes in the Prime Rate; completion or  failure of a 
temporary hardship arrangeme nt; or the end of military service to which 
the provisions of the Servi cemembers Civil Relief Act (SCRA) a pply. 
(�Exceptions �).  Otherwise, we may cha nge the terms of the Agreement 
at any time, after notice and the  right to reject if required by law.  
Chan ges in any APR, other than the stated Exceptions, Annual Fee or 
minimum  Interest Charge will apply to new transactio ns creat ed af ter the 
end of  the 14 th day following our providing notice to you.  If you reject a 
change, your Account will be cancelled and you will no longer be able to 
use the Account.   
 
Cancellation of your Account will not affect your liabil ity to us for cred it 
we have extended  to you , including amounts not yet billed to your 
Account.  
 
ELECTRONIC  RECORDS  
You agree that this document and a ll paper records related to your 
Account and whether or not the other p aper records were submitted, 
receiv ed or obta ined in advan ce of, contemp oraneou sly with or 
subsequent to, the delivery of this document may, a t the option of 
Commerce Bank, be converted  by any digital or electronic method or 
process to an electronic record  or subsequently further converted or 
migrate d to ano ther electronic rec ord for mat or electronic storage 
medium.   You further agree that upon conversion to an electronic record 
as autho rized herein such electronic record shall be the record of the 
transact ion and the electronic record shall  have the same leg al force and 
effect  as the  paper documents from which it was converted.   You waive 
any le gal requirement that any documents digitall y or electronically 
converted be embodied, stored, or reproduced in a t angible media.  You 
undersigned and  agree tha t a prin ted o r digitally re produce d copy of the 
electronic record shall be given the same legal f orce and effect as a 
signed writing.   In ad dition, you authorize and agree to destruction of the 
paper documents b y Commerce Bank upon conversion of the paper 
document s to a digital or e lectron ic record.  
 
COMMUNICATIONS CONSENT  
You expressly consent and ag ree that Commerce Bank and their 
affiliates , agents, vendors, collections agencies, and service providers 
may use written, electronic or verbal means  to contac t you.  The w ays in 
which w e may c ontact you include, but are not limited to, contact by 
manual c alling methods, live operator calls, prerec orded or artificial voice 
calls and messages, text messages, emails, an d/or automatic telephone 
dialing sy stems. You  agree t hat C ommerce Bank a nd thei r affiliates, 
agents, vendors, collections agencies, and servic e providers may contact 
you by using any em ail address or any telephone number you provide, 
now or in the future, including a number for a cellular p hone or other 
wireless device, regard less of  whether you incur charges as a result.  
Phone numbers and emai l addresses, you provide include those you 
give to us, those from which you contact us or which we obtain through 
other means. Message and data rates  may apply . 
 
Indem nification   
If you  provid e telephone number(s) for which you are not the subscriber, 
you understand that you shall indemnify us for  any costs and expenses, 
including reasonable attorneys� fees, incurred  as a result of us contacting 
or attempting t o contac t you  at the number (s) pro vided. In the event any 
of your contact information changes, yo u agree to immediately notify us.  
 Communic ation Revocation  
If you do not want to receive communications as descr ibed in the 
previous paragraph, you  must: (i) provide  us with written no tice re voking 
your prior consent, (ii) in that written notice, you mus t include your name, 
mailing address, and t he last four digits of your Account number; (iii)   
advise whether you would like communications to cease via mail, voice 
calls, telephone numb er(s), email, text/SMS, or cease in all forms; (iv) if 
you are request ing communications to cease via telephone n umber(s) 
and/or email, please provide the specific phone number(s) and email 
address; (v) you must send th is written  notice to: 
 
Commerce Bank  
Attenti on � Commerce Bank Customer Service  
P.O. Box 411036, Kansas Cit y, MO 64141 -1036  
 
Telephone Conversation Re cording  
You consent and agree that our staff may monitor and/or record  phone 
calls between you and our re presentati ves with out a dditional noti ce to 
you, including but not limited to calls we make to service your account or 
collect debt(s).  
 
MILITARY LENDI NG ACT DISCLOSURE  
Federal law provides important protections to members  of the Armed 
Forces and their depe ndents rel ating to  extensions of cons umer cr edit. In 
general, the cost of consumer credit to a member of th e Armed Forces 
and his or her dependent may  not exceed an annual percentage rate of 
36 percent. This rate must inc lude, as applicable to the credit t ransaction  
or acco unt: The costs asso ciated with credit insurance premiums; fees 
for ancillary products sol d in connection with the credit transaction ; any 
application fee charged (other than certain application fees for specif ied 
credit transactions or ac counts); a nd any p articipation fee ch arged ( other  
than certain participation fees for a credit card account) . You can call toll 
free to 855 -225-1576 t o hear the applicable required Military Lending Act 
disclosures.  
 
MISCE LLANEOUS PROVISIONS  
You also agree that: 
� We m ay refus e to extend credit to you or anyone using your 
Account or Card(s).  
� We will not be liable o r responsible for anyone�s refusal to hono r 
your Card(s).  
� Each Account you have with us is separate from any othe rs you 
have with us, and Interest C harges wil l be cha rged on each 
Accoun t�s bal ance at the APR given with each Agreement.  Each 
individual Acco unt will be designated by an individual Ac count 
number.  
� Your Card(s) are Commerce Bank property.  
� We may change th e premium enhancements offered at a ny time 
without fu rther notice to you . 
� Merch ants with whom you�ve shared your Account number may be 
updated with new Account information to ensure the  continuation of 
your payment agreement.  
� You will not use your Card(s) for any purpose that has been 
deeme d illegal.   We res erve the right to d eny aut horization requests 
from online gambling merchants, whether or n ot online gambling is 
illegal in the state  in which you reside.  
� Commerce Bank may share your Account experience a nd 
transaction information with its  Affiliate s, which  are members 
of the  Commer ce Family of Companies as defined in your 
Privacy Statement .  Un less you call 1 -800-543-4845, you agree 
that Commerce Bank and its Affiliates may also share other 
information ab out you or your Account.  
� You must n otify us i mmediate ly at Commerce Bank , P.O. Box 
411036, Kansas City, MO 64141 -1036 , if you believe any 
information we reported to a credit reporting a gency is inaccurate.  
 
CHANGES IN ADDRESS  
You agree to notify us immedia tely if you change your address.  
 
INTERPRETAT ION 
The Agree ment shall be governe d by applicable federal law and 
regulations.  To the extent not preempted by applicable federa l law, this 
Agreement shall be governed by the laws of the state of Missouri .  
 
Your Billing Rights: Keep this Documen t for Futu re Use  
This n otice tells yo u 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 think there is an error on your Statement, wr ite to us at:  
Commerce Bank  P.O. Bo x 411036, Kansas C ity, MO 64141 -1036 . 
You ma y also send us this information via fax at 1-816-234-2811  
 
In yo ur letter, give us the following informati on: 
� Account information: Your name and Account number.  
� Dollar amount: T he dollar amount of the suspected e rror. 
� Desc ription of problem: If you think t here is an error on your 
bill, describe what you believe is wron g and why you believe it 
is a mistake.  
You must contact us:  
� Within 60 days after the error appeared on your State ment.  
� At least 3 Business Days befo re an auto mated pa yment  is 
scheduled,  if you  want to stop payment on the amount you 
think is wrong.  
You must  notify us of any potential errors in writ ing. You may call us, but 
if you do, we are not required to investigate any potential errors and you 
may ha ve to pay  the amo unt in question.  
 
 
 
 
 
     
 
                            4 
 What Will Happen After We Receive Your Letter  
 
When we receive your lette r, we must do two things:  
1. Within 30 day s of receiving your letter, we must tell you that we 
received your lett er. We will also tell you if we h ave already  correct ed th e 
error.  
 
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.  
 
While we investigate whether or not there has been an err or: 
� We cannot try to collect the amount in question  or report you 
as de linquent on that amount.  
� The charge in question may remain on your Stat ement, and 
we may continue to charge you i nterest on that amount.  
� While you do not have to pay the amount in ques tion, you are 
responsible for the remainder o f your b alanc e. 
� We can appl y any unpaid amount against your credit limit.  
After we finish our inve stigation, one of two things will happen:  
� If we made a mistake : You will not have to pay the amount in 
question , or any Interest Charges or other F ees related  to that  
amou nt. 
� If we do n ot believe there was a mistake:  You will have to pay 
the amount in quest ion, along with applicable Interest Charge s 
and Fees. We will send you a Statement of the amount you 
owe and the date payment is due. We may then report you as 
delin quent  if you do not  pay the amount we think you owe.  
 
If you receive our explanation but st ill believe your bill is wrong, you must 
write to us within 10 days telling us that you still refuse to pay. If y ou do 
so, we cannot report you as  delinquent  without  also reporting tha t 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 bet ween us.  
 
If we do not follow all  of the rul es above , you  do not have t o pay the first 
$50 of the amount you question even if your bill is corr ect. 
 
Your Rights If You Are Dissatisfied With Your Credit Card 
Purchases  
 
If you are dissatisfied with the goods  or services that you have 
Purcha sed with yo ur credi t 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 am ount due on the Purchase.  
 
To use this right, all of the following must  be true:  
1. The Purchase must hav e been made  in your  home  state or with in 100 
miles of your current mailing address, and the purchase price mu st 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 th at sold you 
the goods or se rvices.)  
2. You must have used your credit card for the Purchase. Purch ases 
made with Cash Advances from an ATM o r with a check that accesses 
your credit card Account do not qualify.  
3. You must not yet have fully paid  for the Pu rchase.  
 
If all of the crit eria above are met and you are still dissatisfied with the 
Purchase, co ntact us in writing at:  
 
Commerce Bank  P.O. Box 411036, Kansas City, MO 64141 -1036 . 
 
While we investigate, the sa me rules apply to the disputed amo unt as 
discussed ab ove. After we finis h our investigation, we will tell you our 
decision. At that point, if w e 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 Car d(s) acc ompan ying this 
Agre ement, 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 wil l not be liable for unauthorized 
use that occ urs afte r you  notify Commer ce 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 . 
 
DISPUTE RESOLUTION � ARBITRATION  
 
PLEASE READ THIS SECTION  CAREFULLY.   IT PROVIDES THAT, 
WITH LIMITED EXCEPTIONS, YOU AND WE MAY ELECT TO 
RESOLVE ANY DISPUTES BETWEEN YOU AND US BY BINDING 
ARBITRAT ION. IF ARBITRATION IS ELECTED, YOU AND WE WAIVE 
THE RIGHT TO A JURY TRIAL OR T RIAL BEFORE A JUDGE IN A 
PUBLIC COURT,  AND YOU AND WE WAIVE ANY RIGHT TO BRING 
OR PARTICIPATE IN ANY CLASS ACTION OR SIMILAR 
PROCEEDING.  
 
YOU HAVE THE RIGHT TO OPT OUT OF THIS AGREEMENT TO 
ARBITRATE AS SET FORTH BELOW .   
 
Agreement to Arbitrate  
You and we  agree that either of us may elect to resolve any Claims (as 
defined below) through binding arbitration unless you opt out of the 
agreement to arbitrate as set forth below,  or unless prohibited by law. If 
you or we elect to resolve a Claim through arbitrat ion, neither you nor we 
will have the right to pursue such claim in court or have a jury decide the 
claim, nor will you or we have the right to bring or participate in any class 
or other representative action in court or in arbitration.   
 
What Claims are Subject to Arbitration?   As used in th is section, the term 
�Claim� has the broadest possible meaning and includes, but is not 
limited to, any unresolved disagreement, contr oversy, dispute, or cause of action between you and us, whether preexisting, present  or future, 
arising out of, related to  or concerning this Agreement, your Account, the 
services provided pursuant to this Agreement, optional features including 
but not lim ited to Special ConnectionsSM and toggle�, any relationship 
between you and us, or a ny advertisement or solicitation, whet her such 
Claim is asserted or brought in a direct, derivative, assignee, survivor, 
successor, beneficiary or personal capacity. Withou t limiting the 
foregoing, the term �Claim� also includes any unresolved disagreement , 
controversy, dispute, or cause of ac tion between you and us arising out 
of, related to or concerning any fees or charges relating to any 
Account(s), and any services rela ting to any Account(s), optional 
features including but not limited to Special Conne ctionsSM and toggle�, 
on-line or telep hone banking services, communication methods and 
practices we may use to service your Account, and ATM services.  It also 
includes any  disputes you have with our agents, contractors, employees, 
officers or assignees, a ny merchants with whom you use the Acc ount, 
any credit reporting agencies to whom we report the Account or any 
other third party that has been involved or becomes involved with, or 
whose trademarks are used in connection with, any purchasing, 
marketing, so liciting, servicing or credit reportin g activity relating to your 
Account.  The Claims covered by this agreement to arbitrate include, 
without limitation:  
 
� Any disputes regarding: the application you prepared in 
connection with the issuance of your Accoun t; any solicitation 
or advertising mat erials you received in connection with your 
Account; any activities relating to the maintenance or servicing 
of your Ac count; and any funds held by the Bank in connection 
with your Account;  
 
� Any disputes arising from the collection of amounts you owe in 
connection with your Account or the manner of collection;  
 
� Any disputes concerning the dollar amount of payments made 
or transactions posted to your Account;  
 
� Any disputes concerning the processing of items or funds 
transfers sent to the Bank for the purp ose of posting to your 
Account;  
 
� Any disputes regarding information obtained by us from, or 
reported by us to, credit bureaus or others;  
 
� Any disputes related to insurance or other services or products 
purchased from  us in connection with your Account;  
 
� Any disputes regarding communications involving telephones, 
automatic dialing systems, artificial or prerecorded voice 
messages, SMS text messages or facsimile machines; and  
 
� Any disputes concerning the relationships r esulting from this 
Agreement, your Acc ount or any of the foregoing.  
 
The term �Claim� includes claims of every kind and nature, including but 
not limited to,  initial claims, counterclaims, cross -claims and third -party 
claims and claims based upon contract,  tort, fraud and other intentional 
torts, statutes, regulations, common law and equity.  For purposes of this 
section, �we,� �us,� and �our� includes Commerc e Bank, any corporate 
parent, subsidiaries, affiliates, employees, officers, directors, agents, 
controlling persons and representatives, as well as any person or entity 
who provides any services in connection with this Agreement or who is 
named as a co -defendant with us in a Claim asserted by you.  
 
What Disputes are Not Subject to Arbitration?   Notwiths tanding any other 
language herein, the  term �Claim� shall not include any dispute or 
controversy regarding the validity, enforceability, coverage or scope of  
this agreement to arbitrate or any part thereof, including, without 
limitation, the �Waiver of Jur y Trial and Class or Representative Ac tion� 
provision set forth below, subsections A and B of the �Survival and 
Severance� provision set forth below and this  sentence; all such disputes 
are for a court and not the arbitrator to decide.  In addition, claims  filed 
by you or us individually in sm all claims court, so long as any such claim 
remains in that court and advances only an individual claim for relief, are  
not subject to arbitration.  However, if a claim is transferred, removed or 
appealed to a differen t court, you or we will then have the right to 
demand arbitration of such claim. Other claims, disputes, controversies 
or issues not subject to arbitration a re set forth in the section titled 
�Rights Preserved.�  
 
How Does Arbitration Work?   The arbitration  shall be administered by the 
American  Arbitration Association (�AAA�), pursuant to its Consumer 
Arbitration Rules (collectively, �Rules�) in effect at the t ime a demand for 
arbitration is filed. The Rules are available online at www.adr.org , or you 
may co ntact the AAA at 120 Broadway, Floor 2 1, New York, N.Y 10271 .  
If the AAA is unable to serve and you and we cannot agree on a 
replacement, a court with jurisdiction will select the arbitrator. If there is a 
conflict between the  Rules and this agreement to arbitrate , or between 
this agreement to arbitrate and the Agreement, this agreement to 
arbitrate shall control.  Pursuant to the  Rules, the AAA will select a single 
arbitrator who shall have expertise in the substantive laws ap plicable to 
the Claim�s subject matter . If the value of relief sought is $10,000 or less, 
you or we may elect to have the arbitration conducted by telephone or 
based solely on the submission of written documents, unless the Rules 
or arbitrator requires an in-person proceeding. If the value of the relief 
sought is more than $10,000, or an in -person proceeding is required, the 
arbitration proceeding shall be con ducted in the same city as the U.S. 
District Court closest to your home address, unless the parties  mutually 
agree upon a different locat ion in writing.  Either party may, at its sole 
cost and discretion, choose to be represented by an attorney at any 
arbitration proceeding.  
 
The arbitrator may award any damages or other relief provided for under 
applica ble law as if an individual action wer e brought in court, including, 
without limitation, punitive damages (which shall be governed by the     
 
                            5 
 Constitutional stan dards employed by the courts) and injunctive, 
equitable and declaratory relief (but only in favor o f the individual party 
seeking relief and only to the extent necessary to provide relief 
warranted by that party�s individual claim). If we made a written of fer to 
you to settle your Claim prior to an arbitrator being selected, and the 
arbitrator awards yo u an amount greater than our last offe r, if any, we will 
(i) pay you the arbitrator�s award or $5,000, whichever is greater, and (ii) 
pay your reasonable att orney, witness and expert fees and costs, if any. 
Judgment on the arbitrator�s award is final and b inding and may be 
entered in any court  of competent jurisdiction.  
 
The arbitrator, you and we will not disclose the existence, content or 
outcome of any arbitration proceeding; provided, however, that 
disclosures required by applicable law or regulation sh all not be subject 
to such restriction .  The for egoing sentence does not prohibit any party 
from, in good faith, investigating a claim or defense, includ ing 
interviewing witnesses or otherwise engaging in discovery as permitted 
by the Rules. No arbitration  award involving the parties will have  any 
preclusive effect as to issues or claims in any dispute involving anyone 
who is not a party to the arbitration , nor will an arbitration award in prior 
disputes involving other parties have preclusive effect in an arbitration 
between the parties to thi s agreement to arbitrate.   
 
How is Arbitration Initiated?  If you or we elect to arbitrate a Claim, the 
party electi ng arbitration must notify the other party in writing. This notice 
can be given after the beginning of a lawsuit and can be given in papers 
filed in the lawsuit (for example, a motion by the defendant to compel 
arbitration of claims asserted by the plainti ff in a lawsuit filed in court). 
Otherwise, your notice must be sent to Commerce Bank, Attn: ADR 
Notice , P.O. Box 413037, Kansas City, MO 641 41-3037, and our notice 
will be sent to the most recent address for you in our files. If a party files 
a lawsuit in  court asserting Claim(s) that are subject to arbitration and the 
other party files a motion to compel arbitration with the court which is 
granted, it will be the responsibility of the party asserting the Claim(s) to 
start the arbitration proceeding in acc ordance with the Rules.  
 
Who Pays for Arbitration?   Except as otherwise provided herein, we will 
pay t he filing, administration and arbitrat or fees charged by the AAA for 
any arbitration initiated in accordance with this agreement to arbitrate. If 
you pay any initial filing fee, we will reimburse you. If you cannot afford to 
pay any initial filing fees, we  will pay them for you. We will pay an y fees 
or expenses that we are required to pay by law or the Rules or that we 
are required to pay for this agreement to arbitrate to be enforced.  
 
The arbitrator wil l have the authority to award fees and costs of 
attorneys, witnesses and experts to the ex tent permitted by the Rules, 
this agreement to arbitrate, the Agreement, or applicable law. We will not 
seek to recover from you any fees or expenses we pay on your b ehalf, or 
any attorney, witness or expert fees or ot her costs or expenses we incur 
in defe nding an individual arbitration commenced by you. 
Notwithstanding the foregoing, if the arbitrator finds that a Claim is 
frivolous or brought in bad faith or for an i mproper purpose, then the 
payment of all fees, costs  and expenses shall be determined by t he 
Rules.   
 
What Law is Applicable?   You and we agree that our relationship 
includes transactions involving interstate commerce and that this 
agreement to arbitrate and any arbitration rule, proceeding and award 
pursu ant to the terms hereof, are governed by and enforceable pursuant 
to the provisions of the Federal Arbitration Act (�FAA�) (9 U.S.C. � 1, et 
seq.).  Notwithstanding anything to the contrary in the Agreeme nt, to the 
extent that state law is applicable, incl uding with respect to the 
interpretati on and enforcement of this agreement to arbitrate, Missouri 
law shall apply to the extent consistent with the FAA.  The arbitrator shall 
decide the claim in accordanc e with applicable substantive law and the 
terms of t his Agreement, and shall apply all sta tutes of limitation and 
honor attorney -client and other privileges.   
 
How do I Opt Out of the Agreement to Arbitrate?   If you do not accept 
this agreement to arbitra te, you may reject it (�opt out�). If you opt out, 
neither you, nor we, will be subject to  the requirement to resolve any 
claim by arbitration or any other provision of this section.   
 
To opt out, you must send us written notice of your decision to reject  this 
agreement to arbitrate to the address set fort h below. We must receive 
your written notice by the later of: (i) May 1, 2020  or (ii) thirty (30) days 
after we sent you this Agreement via US Mail, through electronic 
disclosure, provided it to you in pe rson, or by other reasonable delivery 
method. Your w ritten opt out notice must: (a) includ e a signed statement 
that you reject the agreement to arbitrate set forth in this Agreement; (b) 
include your name, address and the Account number you wish to opt out ; 
and (c) be sent to us at the following address: Co mmerce Bank, Attn: 
ADR Credit Card Opt  Out,  P.O. Box 414220, Kansas City, MO 64141 -
4220.  
 
This is the only way you can reject this agreement to arbitrate. If you opt 
out, it will not affect any other ter ms of this Agreement, and it will not 
adversely affe ct your Account or any relationship be tween you and us.  
Your rejection of this agreement to arbitrate shall not be imputed to any 
other person or entity or be deemed to be a rejection of this agreement 
to arbitrate by any person or entity other than you.  Nor shall your 
rejection of this agre ement to arbitrate eliminate the obligation of other 
persons or entities who wish to reject this agreement to arbitrate to 
personally comply with the notice and time requirements of this opt -out 
provision. The agreemen t to arbitrate is the only section of this 
Agreement that you can opt out of.  
 
Waiver of Jury Trial and Class or Representative Action.   UNLESS YOU 
REJECT THIS AGREEMENT TO ARBITRATE IN ACCORDANCE 
WITH TH E TERMS OF THIS SECTION, YOU AND WE AGREE THAT 
IF A CLAIM IS ARBITRATED, NEITHER YOU NOR W E WILL HAVE 
THE RIGHT TO (i) PARTICIPATE IN A CLASS ACTION IN COURT OR 
IN ARBITRATION, EITHER AS A CLASS REPRESENTATIVE OR 
CLASS MEMBER, (ii) ACT AS A PRIVATE ATTORNE Y GENERAL OR IN ANY OTHER REPRESENTATIVE CAPACITY ON  BEHALF OF THE 
GENERAL PUBLIC OR OTHER  PERSONS SIMILARLY SITUATED IN 
COURT OR IN ARBITRATION OR (iii) HAVE A COURT OR A JURY 
RESOLVE THE CLAIM.   MOREOVER, UNLESS MUTUALLY AGREED 
UPON IN WRITING BY ALL PA RTIES, CLAIMS MAY NOT BE 
JOINED, CONSOLIDATED, OR OT HERWISE COMBINED WHETHER 
OR NOT ANY SU CH COMBINATION OCCURRED AS A RESULT OF 
AN ASSIGNMENT.  
 
Rights Preserved .  In addition to subjects excluded from arbitration in 
accordance with the provision titled �W hich Disputes are Not Subject to 
Arbitration?� this agreement to arbitrate does not prohib it you or us, at 
any time, from (a) exercising any lawful rights to preserve or obtain 
possession of property or self -help remedies, including but not limited to, 
the right to set -off, the right to restrain funds in a deposit account, 
recoupment, repossess ion, replevin or trustee�s sales;  (b)  obtaining 
provisional or ancillary remedies or injunctive relief (other than a stay of 
arbitration), including but not limited  to attachment, garnishment, 
interpleader or the app ointment of a receiver by a court of a ppropriate 
jurisdiction; or (c) bringing an individual action in court that is limited to 
preventing the other party from using a self -help or non -judicial remedy 
and that does not involve a request for damages or mone tary relief of 
any kind.  
 
Conflict, S urvival and Severance.   In the event of any conflict or 
inconsistency between this agreement to arbitrate and other provisions 
of this Agreement or the Rules, this ag reement to arbitrate will govern. 
This agreement to arbitrate shall survive any terminatio n of or changes to 
any of your Account subject to this Agreement; the transfer or 
assignment of any of the foregoing; and the bankruptcy of any party to 
the extent pe rmitted by law. If any term or provision of this agr eement to 
arbitrate is held to be unen forceable, prohibited or invalid, the remaining 
provisions shall be enforced without regard to such illegal or 
unenforceable term or provision, except that:  
 
 (A) if any provision of this agreement to arbitrate regardi ng 
class action, class arbitration, pr ivate attorney general action, other 
representative action, joinder, or consolidation is determined by an 
authority of competent jurisdiction to be unenforceable or i llegal, such 
provision shall not be severable and th is agreement to arbitrate between 
you and us (except for this sentence) shall be null and void, provided that 
such determination of unenforceability or illegality shall be subject to 
appeal. The parties a cknowledge and agree that under no circumstances 
will a class action, private attorney gen eral action or other representative 
action be arbitrated; and  
 
 (B) if a Claim is brought seeking public injunctive relief and a 
court determines that the restrictio ns in the �Waiver of Jury Trial and 
Class or Represe ntative Action� provision or elsewhere  in this agreement 
to arbitrate prohibiting the arbitrator from awarding relief on behalf of 
third parties are unenforceable with respect to such Claim (and that 
determination becomes final after all appeals have been exhausted), the 
Claim for public injun ctive relief will be determined in court and any 
individual Claims seeking monetary relief will be arbitrated.  In such a 
case the parties will request that the court  stay the Claim for public 
injunctive relief until t he arbitration award pertaining to ind ividual relief 
has been entered in court.  In no event will a Claim for public injunctive 
relief be arbitrated.  
 
DISPUTE RESOLUTION - JURY TRIAL WAIVER  
You and we agree that in the event that any Claim or dispute betw een us 
is not arbitrated but instead i s resolved in court, you and we knowingly 
and voluntarily waive the right to a jury trial to the full extent permitted by 
applicable law.  
______________________ __________ ________ __ 
 
If you have any questions regarding this Agreement, or our current fee 
schedule, writ e to us at Commerce Bank, P.O. Box 411036, Kansas 
City, MO 64141 -1036, or call us at 1 -800-645-2103.  
 
(Effective 2/26/2020)  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
     
 
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Comm erce Bank credit cards may come wit h optional  credit card 
payment features , including Special ConnectionsSM and toggle�. The 
Special  ConnectionsSM and toggle� features are offered at the sole 
discretion of Comme rce Bank ( �Commerce �) to Accountholders ( �You� or 
�Your �) that have Qualified Comm erce Ban k Credit  Card  Accounts.   A 
�Qualified Commerce Credit Card Account � means any open Accoun t 
that is not designated  by Commerce as lost, stolen,  fraud transferred, 
credit revoked, closed, bankrupt, charged off, or i n Consumer Credit 
Counseling or rec overy. B y using these  optional featur es, y ou 
acknowledge that you have read and accepted the Comm erce Bank 
Special Connec tionsSM terms and conditions (� Special ConnectionsSM 
Terms and Conditions �) and the Commerce Bank togg le� terms and 
conditions (�toggle� Terms and Cond itions�) which shall gover n your use 
of and rights under these optional features.  
 
The Special ConnectionsSM Terms and Conditions and to ggle� Terms 
and Conditio ns are a separate agreement and are not part of  your 
Agreement . 
 
SPECIAL CONNECT IONSSM FEATURE  
With this feature (� Special ConnectionsSM Feature �), and as permitted 
from time to t ime, you may use your Ca rd to access Commerce Bank 
Special ConnectionsSM Featur e-eligible deposit accounts, credit cards,  
lines of credit, and/or loans. You m ay request the Special ConnectionsSM 
Feature from a Commerce Bank branch, through Commerce Bank 
Online  Banking, or from our Cu stomer Service Department at 1-800-645-
2103. Th ese fe atures are  not automatically activated.  
 
For cu stomers with a Special Connect ions� Visa� or MasterCard� credit 
card, please note: The Special ConnectionsSM Feature is different fr om a 
Commerce Bank  Speci al Connections� Visa or Master Card credit card.   
The S pecial Co nnect ionsSM Feature allows you to add ce rtain 
functionality to any Commerce  Bank -issued credit card, includ ing 
Commerce Bank�s Special Connections� Visa or MasterCard credit  card.  
However, your Special Connections� Visa or Mas terCard credi t card i s 
not automat ically enabled with the Special Conne ctionsSM Feature.  You 
must proactive ly enroll any credit ca rd, including your Special 
Connections� Visa or MasterCard credit card, in the Special 
ConnectionsSM Feature in order for that car d to uti lize the  Special  
Conn ectionsSM Feature�s capabilities described h erein.  
 
ELECTRONIC  FUND TRANSFERS  
The following provi sions  apply only to electronic fund transfers  (�EFTs �).  
EFTs are any transfer of funds initiated with your Card(s) at an ATM or 
as a debi t transa ction at  Point of Sale.  We can cancel these services at 
any time and for a ny reason without  notice.  We can a lso cancel your 
entire Account, including credit card services, and revoke your  Card(s) 
as provided in the CANCELLATION paragraph ab ove.  This may  be 
done  by an ATM or merchant not returning your Card(s)  to you.  We may 
change the terms o f this Agreement r elating to EFTs without notice to 
you unless required by law.  
 
TELEPHONE NUMBER  AND ADDRESS TO BE NOTIF IED IN EVENT 
OF UNAUTHORIZED TRANSF ER 
Tell us AT ON CE if you believe your card has been lost or stol en, or if 
you beli eve that an elect ronic fund transfe r has  been made without your 
permission using information from your check. Tele phoning is the best 
way of keeping your possible loss es dow n. You c ould los e all the money 
in your account plus your maximum  overdraft line of  credit. If you t ell us 
within 2 bu sines s days after you learn of the loss or theft of your card, 
you can lose no more than $50 if someone  used your card without your 
permis sion.  
 
If you d o NOT  tell us within 2 business days after you le arn of the loss or  
theft of your ca rd, and we can pro ve we  could have stopped someone 
from using your card without your permission i f you had told us, you 
could lose as much as $500.  
 
Also, if your statemen t shows transfers that you did not make, includin g 
those made by ca rd, code or other  means, tell us at  once . If you do not 
tell us within 60 days after the statement was mailed to y ou, you may not 
get back  any money you lost after the  60 da ys if we  can pro ve that we 
could have stopped someone from taking  the money if you had told us in 
time. If a good reas on (s uch as a long trip or a hospital stay) kept you  
from telling us, we will e xtend the time period.  By permitting another 
person to use the card , you au thorize and are fu lly liable for any 
transactions tha t person initi ates until that person �s authority is en ded. 
You may only end that person �s authority by notifying us.  
 
If you be lieve your card has be en lost or stolen, or that someone ha s 
transf erred or  may transfer mone y from your account without your 
permission, call  us at 1 -800-617-7480 or write to u s at Commerce Bank, 
PO Box 411036, Kansas City, MO 64141 -1036. You should also call the 
number or wri te to the address listed above if you  believe  a trans fer has 
been made using the information from your che ck without you r 
permission.  
 
TYPES OF AVAILABLE TRANS FERS AND LIMITS ON TRANSFERS  
Account Access.  The following EFTs are only available if you reque st 
the Special ConnectionsSM Feature.  Dependi ng on th e type of accounts  
that Commerce determines from time -to-time are e ligible for the Special 
ConnectionsSM Feature as well as which of your accounts you choose to  
access using the Spec ial ConnectionsSM Featur e, you may use your Card 
to perfo rm the f ollowing  functions where other wise permitted:  
 
ATM Transaction  
At the ATM,  insert your Card and enter the cre dit card PIN that you 
established for this Card to (i) withdraw cash from, deposit money in,  
transfer fu nds between, or learn the balance s in you r checki ng, regular 
savings or  money -market accounts; (ii) use fu nds from y our checking,   
 
 
 
regular savings,  and money -market accounts to make payments on your 
Commerce credit cards, lines of  credit or loans or (iii ) take cash 
advances on your Commer ce credi t cards.    
 
The account(s) you  designate for ATM accessibility wi ll be considered 
your Special ConnectionsSM Feature at the ATM account (s) (each, a 
�ATM Account �).  If you wish to designate  one or more checking 
accounts as an ATM Account, then you must des ignate o ne of those 
checking a ccounts as your Point of Sale Accou nt as defined below.  In 
order to have AT M acc ess to your checking accounts, you must at all 
times maintain a Point of Sale Account.  If you no long er have a Point of 
Sale Account, th en you w ill lose  ATM access to all of your checking 
accounts.  
 
Commerce has no  control over the functionalities o ffered at non -
Commerce ATMs.  Some or all of these features may not be available at  
all non -Commerce ATMs a nd some ATMs may allow you to perfo rm 
other  functio ns not mentioned here,  including the ability to make 
purchases (e.g. stamps).  If at any time you use a  non-Commerce ATM 
to request to take money from an account that you do not hav e or if the 
non-Commerce  ATM does not prompt you to select a specif ic accou nt 
from which to take the money, then you agree that Comm erce w ill 
attempt to comply with your req uest by providing you with money from 
one of your open ATM Accounts. Cash withdrawa ls may be taken from 
any open deposit ATM Account owned by you and cash adv ances may 
be taken fro m any credit card ATM Account owned  by yo u. 
 
Point of Sale Transaction  
You m ay de signate one (1) checking account as your Special 
ConnectionsSM Feature at the point of sale account  (�Point of Sale 
Account �).  At mercha nts that  have ag reed to accept the Car d on 
networks utilized by us  and su pport the Special ConnectionsSM Feature , 
you c an use funds in your Point of Sale Account to pay for your 
purchases. The use of your Card in this man ner constitutes a 
simultaneous with drawal f rom and/ or demand upon your ch ecking 
account, even though the tra nsacti on may not actually be posted to yo ur 
account until a later date. Merchants decide how to interact with the 
Special Co nnectionsSM Feature and the experience may vary.  
 
Only Comm erce che cking ac counts are eligible fo r this functionality and 
only one ( 1) Com merce Bank checking account can be desig nated as 
the Point of Sale Account at any one time.  Your Point of Sale Accoun t 
shall always remain as  an ATM Account.  If at any time yo u instru ct 
Comme rce to remove the Poin t of Sale capabilities from your ca rd, yo u 
will no longer have access to any  of your checking accounts at the ATM.   
 
ATM and Point of Sale transactions will p ost to your checking acc ount(s) 
as detailed in your Deposit  Agreeme nt.    
 
Foreign Transaction  
For transactions occurring outside of  the U nited States, the nature of 
which i s uns pecified to us, we will apply the transaction to accounts in 
the following ord er: checking, money -mark et, regular savings, 
Commerce Visa or Comme rce Mast erCard. 
 
Limitation on  Frequency of Transfers.  There are  no limitations on the 
number of transfer s tha t can be made during any time period to or from 
any deposit account, except as  provided by federal reg ulations limiting 
preauthorized tra nsfers. By feder al regulation, you are  limited during any 
statement cycle  to six preauthorized transfers (three of  which may be by 
check, draft or similar order if the account is a money market -type 
account).  
 
Limitation on Dollar Amount of Transfers.  The balance  availab le for 
authorizing pur chases and cash withdrawals is the lesser  of 1) your 
available deposit accou nt ba lance, plus any credit available through an 
overdraft protection line of credi t or through any overdra ft authorized by 
us in our sole dis cretion,  OR 2) d aily dollar limitation s. For cash 
advances against a Comm erce B ank credit card, you may withdraw c ash 
up to the lesser of your credit line or daily dollar limitations. In addition, 
daily withdrawal frequen cy limitations may apply to cash ad vances. 
Dollar l imitations may differ at ATMs other than ours.  
 
Online Ga mbling .  You agree that you will not use your card for any 
purpose that has been deemed illegal. We reserve the right to den y 
authorization requests  from online gambling merchants, wh ether or  not 
online gambling is illega l in the state in which you use you r card . 
 
Reservations and Merchant Author ization.  Under certain 
circumstances, a merchant (e.g., hotel) may require the use  of a card to 
guarantee reservations that may result in a h old on t he avail able funds in 
the acco unt. If you cancel any guaranteed r eserva tion made using the 
card, you must obtai n a cancellation number. If you fail to do so, the hold 
placed for the guarant eed reservation will not  be canceled and the 
amount will be  held ag ainst th e balance in the accou nt. This may limit 
your future tran sactio ns. Further, if the merchant subseq uentl y charges 
the amount of the guaranteed reservation to the account, we will not  be 
obligated to re -credit the account if you fail to obtai n a canc ellation  
number. In addition, authorizations issued for card tran sactio ns must be 
canceled when you initia te a card transaction and subsequently use 
another form of payment for the transact ion such as a credit car d or 
cash, since failure to have th e author ization canceled may also resu lt in 
a hold on funds in the accoun t and limit your future transactions.  
 
POINT O F SALE TRANSACTIONS  
The use of your card with the Special ConnectionsSM Featur e to 
purchase goods and services constitutes a simultaneous  withdra wal from  
and/or demand upon yo ur checking account, even though th e tran saction 
may not actually be posted to yo ur account until a later date. Any person 
or merchant honoring your card may b e required to obtain app roval or 
OPTIONAL F EATURES      
 
                            7 
 authorization for any tran saction.  When we  approve a non -PIN 
transaction (which may or may not requ ire yo ur signature), we may 
immediately r educe  the available balance in your checking account by 
the authorization amount re quested by the merchant even though we 
have not received th e transa ction el ectronically for payme nt, which may 
differ from the final  poste d amount.  
 
This authorization amou nt will not be available until our receipt of the 
transaction OR no more than three  business days after the  transaction 
date, whichever first occurs. If funds  are not available for  checks, other 
items or debits, you  may b e subject to overdraft or insuffici ent funds fees. 
Transactions with your card will be posted to your account in the o rder 
and with the same l egal effect as checks or other debi ts drawn  on your  
account. You may use your card only in the manner and fo r the purposes 
authorized by this Agreeme nt. W e may recognize a transaction even if 
we have not authorized it, but that does  not mean we will author ize the 
same type of transaction ag ain. You  do not have the right to stop  
payment on any transaction origina ted by  use of your card with the 
Special Conne ctionsSM Feature, except recurring preauthorized transfers 
as described in thi s Agreement.  
 
Overdraft s. You are responsible for all auth orized t ransacti ons initiated 
by use o f your card with the Special Connec tionsSM Feature. If a negative 
balance (o verdr aft) in your checking account results from the use of the 
card with the Specia l ConnectionsSM Feature, y ou will pay us on demand 
this neg ative ba lance an d our then current charg e for overdrafts. If you 
have an ov erdraft line of credit (Checking Plus) for an account, you are 
bound by the rules and regulations that apply to that credit privilege 
(Overdraft Pro tection). In addition, if your ch ecking a ccount i s closed 
before transact ions are posted, you will pay us on  demand the 
outstanding amount.  
 
FEES  
Fees f or all EFT services are disclosed in our fee schedule. You will 
receive a fee sc hedule at account openin g. You may request a copy of 
our current fee sche dule at any Commerce bra nch or by contacting 1 -
800-453-2265 . When you use an ATM not owned by us y ou ma y be 
charged a fee by the ATM operator (or any network used) for a 
transaction o r for a balance inquiry even if you do not complete a fun d 
transf er. 
 
RIGHT T O RECEIVE DOCUMENTAT ION OF TRANSFERS  
 
Terminal Receipts . You will get a receipt at the time yo u mak e any 
transfer to or from your deposit account using an ATM or electronic POS 
terminal.  
 
Preauthorized Credits.  If you have arranged to have dir ect depo sits 
made to your deposi t account at least once every 60 da ys from the same 
person or company, you  can call us at 1-800-746-8704 to find out 
whether or not the deposit has been made.  
 
Periodic Statement. You will get a monthly deposit stat ement if  you 
have a deposit account upon  which checks or drafts may be draw n. You 
will get a monthly deposit state ment on your regular savings account if 
there are electronic transfers during the mon th. In any case, you wil l get 
a regular savings deposit s tatement  quarter ly. 
 
DISCLOSURE OF ACCOU NT INFORMATION TO THIRD PARTIES  
We will disclose information to third part ies a bout your account or the 
transfers you make:  
� Where it is necessary for completi ng transfers. Merchants with 
whom you�ve shared your acco unt numb er may b e updated with 
new accou nt information to ensure the contin uation of your payment 
agreement.  
� In order to verify the existence and condition of your account for a 
third party, such as  a consumer reporting ag ency or merchant.  
� In order to co mply wit h govern ment  agency or court ord ers.  
� If you give us your permissio n.  
� In accordance with our current Priv acy P olicy Notice.  
 
RIGHT TO STOP PAYMENT OF PREAUTHORIZED TRANSFERS AND 
PROCEDURES FOR DOING SO; RIGHT TO R ECEIVE NOTICE OF 
VARYING AMOUNTS;  AND OUR  LIABILI TY F OR FAILURE TO STOP 
PAYMENT  
If you have told us in advan ce to make regular payments out of your  
depo sit account, you can stop any of these payments. Here�s how: Call 
us at 1 -800-617-7480 or write us at Co mmerce Bank, PO Box 411036, 
Kansa s City, MO 64141 -1036 in time for us to receive your request three 
business  days or more before the payment is sch edule d to be made. If 
you call, we may also require you to put your request in writin g and get it 
to us withi n 14 days after your call.  
 
Notice of Va rying Am ount s. If these regular payments may vary in 
amount, the pe rson you are going to pay will tell you , 10 days before 
each payment, when it will be made and how much it will be. You may 
choose to get this notic e only when the payment would dif fer by m ore 
than a certain amount from t he previous payment, or when the am ount 
would fall outside certain limits that you set.  
 
Liability for Failure to Stop Payment of Preauthorized Transfers.  If 
you order us to stop one  of these payments three business  days or  more 
before the transfer is sch eduled, and we do not do so, we wil l be liable 
for your losses or damages.   
 
Our Liability for Failure to Make Transfers.  If we do not complete a 
transfer to o r from your deposit acco unt on time or in the correct amo unt 
acco rding to  our Agreement with you,  we will be liable for your losses or 
damages. However, there are some exc eptio ns. We will not be liable, for 
instance:  
� If through no fault of ours, you do no t have enough money in y our 
account to make the transfer.   
� If the  transfe r would go over the cred it limit on your overdraft line.  � If the ATM where you are making the tran sfer does not have 
enough cash.  
� If the terminal or system was not working properly a nd you knew 
about the br eakdown when you started the tran saction.   
� If circums tances beyond our co ntrol (such as flood or fire) preve nt 
the transfer, despite reasonable pre cauti ons that we have taken.  
� There may be other exceptions stated in our Agreement w ith you.  
 
ERROR RESOLUT ION PROCEDURES  
In case(s) of erro rs or qu estions abou t your EFTs, telepho ne us at 1 -800-
617-7480 or write us  at Commerce Bank, PO Box 411036, Kansa s City, 
MO 64141 -1036 as soon as you can, if you think your statement or 
receipt is w rong, or if you need mor e information about a transfer li sted 
on the stat emen t or receipt. We mus t hear from you no later than 60 
days after we sent the FIRST deposit stat ement  on which the problem or 
error appeared.  
� Tell us your name and account number.  
� Tell us the name of the  merchant, the transaction date a nd the 
dollar am ount of the suspected er ror.  
� Describe the error or the tra nsfer you are unsure about, and explain  
as clearly as you can why you believe it is an error or why you need 
more informatio n.  
� Tell us if you have already attempted to resolve the issue di rectly 
with the merchant.  
� If you tell us orally, we may require th at you send your complaint or 
question in wr iting within 10 business days.  
 
We will determine whether an error occurred wit hin 10 business days 
after we hear from you and will corr ect any error pr ompt ly. If we need 
more time, however, we may take up to 45  calendar days to investigate 
your comp laint or question. If we decide to do this, we will credit your 
deposit account withi n 10 business days for t he amount you think is in 
error s o that y ou will have  the use of the mone y during the time it takes 
us to co mple te our investigation. If we ask you  to put your complaint or 
question in writing and we do not receive it within 10 busi ness days, we 
may not cr edit your deposit account.  
 
For errors i nvolving  new accounts, point -of-sale, or foreign -initiated 
transact ions, we may take up to 90 days to inve stiga te your complaint or 
question. For new accounts, we may take up to 20 business d ays to 
credit your accou nt for the amount you think is in  error.  
 
We wil l tell you the results w ithin three business days after com pleting 
our investigation. If we decide  that there was no error, we will send you a 
written explanation. You may ask for cop ies of documents that we  used 
in our investigation.  
 
TOGG LE� FEAT URE  
Comm erce may add toggle� to any Qualified Commerce Visa or 
Mast erCa rd Credit Card Account.  
 
DEMAND  DEPOSIT  ACCOUNT  
You may link up to two (2)  demand deposit accounts  (each, a � DDA �) to 
Your Qualified Commerce C redit Card Account for the use of  the toggle� 
payme nt feature.  
 
If You li nk a Commerce DDA to Your Account, that DDA must be an 
open checking ac count. Y ou must have an ownership relationship to that 
DDA in order to link it to Your c redit card Account. Any person using the 
Account and/or r elate d Card(s ) with the expressed or imp lied permission 
of any of the appli cants (�Authorized Users �) will have  access to the 
linked DDA through the use of Your Account.  
 
Any DDA that has been desig nated by Commerce as hav ing a 
garnishment, a closed -to-posting  restric tion, or has been forced to  close 
by Commerce, will not be eli gible to link to Your Account for th e purpos e 
of the toggle� payment feature. Small Business banking accounts will not 
be el igible to link to Your A ccount for the purpose of the tog gle� payment 
featu re.  
 
If You link a no n-Commerce DDA to Your Account, You  must provide 
Commerce with the acco unt numb er and the routing information for that 
financial institution. Certain transacti on restrictions may appl y to such 
non-Commerce DDAs. Plea se re fer to s uch b ank�s terms and condit ions 
of Your DDA for applicable fee s, restrictions and/or limitations o f Your 
DDA.  
 
PAYMENT PREFERENCES  
�Payment Preferences � means the selection of a categor y, setting and/or 
amount  you choose to determine if a cre dit card purc hase is to be paid 
for from  your linked DDA or if it is to rem ain a part of your credit card 
balan ce.  
 
PAY NOW�  
�Pay Now�� means a credit card purchase that will be automatically paid 
for from Your DDA accord ing to Your Payment Preferences. Any 
purchase made by You or an Authorize d User with Your Account, will be 
paid for from the DDA that has been l inked to  Your Account, and in 
accordance with the Payment Preferences that have been sel ected by 
the applicants of the Account.  
 
When a toggle� credit is post ed to  your Account, we rese rve the right to 
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 
which your available credit is replenished after a pay ment to your 
Accou nt. 
 
Purchases may tak e 1-2 business days to post to Your  Account following 
the date of Purch ase. Aft er the Purchase has posted to Your Account, an 
ACH may take 1 -2 business days to  appear as a debit on Yo ur DDA.  
 
Payments are not applied  to the requi red m inimum payment due on Your 
Statement each month. You will  still have a required minimum payme nt     
 
                            8 
 due e ach month, which will appear on Your Statement and will be 
subject to the terms of Your cardholder agree ment. 
 
PAY LATER   
�Pay Later � means any Purc hase that is made with Your  Account that will 
not be automatic ally paid for from a DDA, and will b ecome a part of your 
outstanding credit card balance.  
You may choose to use the Pay Lat er feature for Your Pur chases by 
choosing not to activat e a s pecific Payme nt Preference, by deac tivating 
a previously chosen Paymen t Preference, by cancellation of a l inked 
DDA, or by the cancellation of the toggle� payment feature from Your 
credit card A ccount.  
 
UNWIND� 
�Unwind�� means the ability to return fu nds t hat were  used  to pay for a 
Purchase  from Your DDA with the Pay Now� feature, and to have the 
original Purc hase pla ced back on to Your Account.  
 
You will have up to 30 calendar days to use the Un wind� feature for a 
Pay Now� feature Purchase. When the P urcha se posts  back  to Your 
Account, it w ill post with the original transact ion date, and will be subject 
to int erest ch arges according to the terms of Your Cardholder 
Agreement. We reserve the right to limit the total amoun t of your 
Unwind� feature request s from exceed ing the available credit fo r Your 
Account.  
 
TOGGLE ON DEMAND � 
�toggle On Demand� � means any credit  card pu rchase that You 
manually choose to be paid from either Your DDA or reward points  after 
the transaction p osts to Your Account.  
 
ACH RETUR NS 
If an ACH payme nt request is returned  for any reason, the original 
Purch ase that initiated that ACH payment request will be posted back to 
Your Account  and will be due according to the terms of Y our Agreement.  
 
An ACH r eturn for any reason will result i n the  deactiv ation  of any active 
Paymen t Preferences for the DDA that caus ed th e return, and any other 
DDA that  might s hare an active Payment Preference. Your Payment 
Preferences will remain deactiv ated until such time tha t you re -activate 
Your Payment Pre feren ces. 
 
If Your  Payment Preferences are not active, any pending and fut ure 
Purchases that previously matched  that Pa yment Preference, will post to 
Your Account and will not initiate an ACH paymen t request. These 
Purchas es will become a part of your outs tandi ng credi t card balance 
with Commer ce and will be due according to th e term s 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 You r Acc ount, an d no overdraft or insuffi cient funds fees will 
be assessed t o You.  If you have linked a non -Commer ce DDA t o Your 
Account, You may be assessed overdraft and/or insufficient funds fees 
according to that financi al institution's deposit agreement.  
 
toggle� ALERTS 
Commerce will use the  email address provided by You at t he tim e of the 
Account(s) or Card(s) o pening t o notify you of important changes in 
regard  to the toggle� payment feature fo r Your Account. You will  not be 
able to turn off these notif ications. You  agree that You are resp onsible 
for maintaining a valid ema il addr ess and agree to notify us of an y 
change  in Your email address. You can change the email address for 
account notifica tion at any time through  Commerce Online Banking. 
Should del ivery  of the acco unt notification be unsuccessful, it remains 
Your respo nsibili ty to monitor Your toggle� Payme nt Prefe rences in a 
timely manner from Commerce Online Banking.  
 
GENERAL TERMS & CON DITIONS  
You must be enro lled in a Commerce Rewards Program i n ord er to 
receive rewards for Your P urchases.  
 
Commerce reserves the r ight, i n its sole discretion, to suspen d, cance l or 
modify the toggle� payment feature at any time and for any reason and 
without prior notice.  
 
Commerce reserves the right, in its so le discretion , to add, delete, 
change  or revise these  toggle� Terms and Conditi ons including, but not 
limited t o, quali fications for participation in toggle�.  
 
Commerce reserves the right, in its  sole discretion, to dis qualify any 
Accountholder from parti cipat ion in t oggle� in cases of actua l or 
suspected abuse, fraud, violat ions of  these  toggle� Terms and 
Conditi ons or a ny actual or suspected abuse or fraud with respect to the 
Account or DDA.  
 
Neither Commerce nor its t hird-party service providers, their  respective 
employ ees, officers, affil iates or agents will be liable to Y ou for  any 
action or inaction any of t hem 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  Comm erce for 
toggle�, including the toggle� design are prop erty o f Commerce. No use 
of these may be made without the prior written authorization of 
Commerce.  
 
By using toggle�, You a gree to all of the toggl e� features, limitations and 
restri ction s contai ned i n these toggle� Term s and Conditions as well as 
any add itiona l terms and conditions contained  in any programs, 
promotions or transactions that may be offered to You from time -to-time 
and any terms and co nditions contained in any document issue d to You  
by Commerce.  
 This auth orization is to remain in effect un til Co mmerce has received 
electronic n otice of  termination from You. You may terminate toggle� 
electronically through Online  Banking, or by contacti ng us at 1 -800-645-
2103. Your notic e mus t be sen t in such time and manner  as to afford 
Commerce Bank a reaso nable opportunity to act upon the term ination 
(but in no event less than three business days). Commerce reserves the 
right t o decline or cancel togg le� service at any time.