� 2021 Commerce Bancshares, Inc.  
 PRICING INFORMATION FOR  THE PRIVATE BANKING  WORLD ELITE  MASTERCARD� CREDIT CARD  
Interest Rates and Interest Charges  
Annual Percentage Rate 
(APR) for Purchases  Prime Rate plus 5.99%   This APR will vary with the market based on the Prime Rate . 
APR for Bala nce Transfers  Prime Rate plus 5.99%   
This APR will vary with the market based on the Prime Rate.  
APR for Cash Advances  
(Non -Overdraft & Overdraft)  Prime Rate plus 10.99% for Non-Overdraft Cash Advances.  
Prime Rate plus 10.99%  for Overdraft Cash Advances.  
These APRs will vary with the market based on the Prime Rate.  
Penalty APR and When it 
Applies  Prime Rate plus 21.99%  
This APR will vary with the market based on the Prime Rate. 
This APR may be applied to your Account if you fail to make the required mini mum 
monthly payment within 60 days of the respective payment due date.  
 
How Long Will the Penalty APR Apply?:  If your APRs are increased for this 
reason, the Penalty APR will apply until you make six consecutive minimum 
payments when due.   
Paying Interes t  Your due date is at least 25 days after the close of each billing cycle.  We will not charge 
you any interest on Purchases if you pay the entire balance by the due date each 
month.  We will begin charging interest on Cash Advances  and Balance Transfers on the 
transaction date.  
Minimum Interest Charge  If you are charged interest, the charge will be no less than $2.50.  
For Credit Card Tips from 
the Consumer Financial 
Protection Bureau  To learn more about factors to consider when applying for or using a cre dit card, 
visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore  
 
Payment Information  
Any amount that exceeds your Revolving Credit Line will be added to your minimum payment and will be due and payable 
when you receive your periodic statement.  The Revolving Credit Line is the maximum dollar amount of your Account 
balance that you can carry over from month to month , less Fees and Interest Charges . 
 
Fees  
Transaction Fees  
- Balanc e Transfer   
Either $10 or 3% of the amount of each Balance Transfer whichever is greater.  
- Non-Overdraft                        
Cash Advance  Either $10 or 3% of the amount of each Cash Advance, whichever is greater.  
- Overdraft Cash Advance  $5 for each Cash Advance.  
- Foreign Transaction  None   
Penalty Fees  
- Late Pa yment   
Up to $40 
 
How We Will Calculate Your Balance: We use a method called �Daily Balance� (including new Purchases  and Fees ). 
See the account agreement for more details.  
 
Prime Rate:  The Prime Rate used to determine the APR on your Account is the U.S.  Prime Rate published in The Wall 
Street Journal  in its column called �Money Rates� on the last business day of each month . Although each Daily Periodic 
Rate is determined by an index published prior to the first day of each calendar month, the respective Daily Periodic Rate 
will only become effective and charged as of the first day of the monthly billing period following the respective calendar 
month in which the index is so published.  No representation is made that the U.S. Prime Rate is the lowest, the b est or 
the favored rate of interest.  If 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 inc rease and may cause your minimum monthly payment to increase.  
 
Daily Periodic Rate:  The Daily Periodic Rate for all APRs equals the APR divided by 365.