CARDHOLDER AGREEMENT 
                                               
                                            
                                               
    This cardholder agreement (�Agreement�) is for your Account with  We may increase, reduce or cancel your Revolving Credit Line and/or 
    Commerce Bank, and the Card(s) which has/have been given to you in  Cash Limit at any time without prior notice or liability. A change to your 
    connection with your Account. Such Account and Card(s) provide you  Revolving Credit Line and/or Cash Limit will not affect your obligation to 
    with credit card services and ATM Services. �You� and �your� mean any  pay us. 
    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  We may decline, at any time in our sole discretion, an authorization 
    applicants. Any person whose name appears on the Account for the  request for any transaction for any reason, included but not limited to:  
    Card(s) accompanying this Agreement consents, either by using or  �   operational considerations, 
    permitting another to use the Card(s), to all provisions of this Agreement.  �  your Account is in default, 
    �We�, �us� and �our� means Commerce Bank, our successors and  �   we suspect fraudulent or unlawful activity 
    assigns.                                     
                                              We may also request additional information from you at any time to 
    This Agreement contains an arbitration provision, a class action  evaluate a transaction request or your use of the Account generally. 
    waiver, and a jury trial waiver. Please read the entire section titled   
    �DISPUTE RESOLUTION - ARBITRATION� and the section titled  We are not responsible for any losses or damages, including 
    �DISPUTE RESOLUTION � JURY TRIAL WAIVER.�  consequential damages, if a transaction on your Account is declined, 
                                              either by us or a third party, even if you have sufficient credit available. 
    In this Agreement:                         
    Account is your credit card account.      INSTALLMENT PLAN 
    Annual Fee is a fee charged on a yearly basis for your continued use of  Installment Plans may be available for eligible Accounts to initiate and 
    the Account.                              can be used for qualifying transaction(s) only; and not for a Cash 
    APR is Annual Percentage Rate.            Advance, Balance Transfer, or any Fee owed to us. When selecting an  
    ATM is Automated Teller Machine.          Installment Plan, the qualifying transaction(s) will be moved to an 
    Balance Transfer is an advance made when transferring a balance from  Installment Plan balance and may be subject to an Installment Plan Fee 
    another creditor to your Account.         instead of the periodic interest rate. If you do not pay your entire 
    Business Days are Monday through Friday. Federal holidays are not  Installment Plan balance in the pre-selected amount of billing cycles any 
    included.                                 remaining balance will be transferred to your applicable Purchase or 
    Card is the credit card(s) given to you in connection with your Account.  Convenience Check balance and your respective periodic interest rate 
    Cash Advance includes:                    applied.  
      � Non-Overdraft Cash Advance is an advance made by means of   
      an electronic device or machine, or a financial institution teller, or for  We may limit the number of active Installment Plans you can have at one 
      the purchase of wire transfers, non-U.S. currency, travelers� checks,  time and reserve the right to change this number at any time. Installment 
      money orders, lottery tickets and casino gaming chips.  Plans cannot be cancelled after they have been set up, but you can 
      � Overdraft Cash Advance is an advance made by means of  choose to pay the Installment Plan early by paying the new balance, 
      overdraft protection.                   shown on your most recent Statement, in full. If you pay an Installment 
    Cash Limit is the maximum dollar amount of your Revolving Credit Line,  Plan off early, you will not incur any future Installment Plan Fees for that 
    as defined herein, available for Non-Overdraft Cash Advances.  Installment Plan. 
    Charges are costs imposed as part of this Agreement and include both   
    interest and fees.                        In the event you return items from an Installment Plan, we will choose 
    Convenience Check is a check provided to you to access credit from  how to apply the credit to your existing Account balances, including 
    your Account.                             whether to apply a credit to an Installment Plan balance or a different 
    Daily Balance is determined, for each day in the billing cycle, by taking  balance.  
    the beginning balance, adding any new transactions or other debits,   
    (excluding any active Installment Plans) and subtracting any payments or  PROMISE TO PAY 
    other credits.                            You promise to pay for all Purchases, Balance Transfers, Convenience 
    Daily Periodic Rate is the APR divided by 365.  Checks, Installment Plans and Cash Advances made by you through the 
    Fees are non-Interest Charges, including transaction fees.   use of the Account. In addition, you promise to pay all other amounts 
    Grace Period means the period of time during the billing cycle when you  owed due to use of the Account by anyone else you authorize to use the 
    will not accrue Interest Charges on certain transactions or balances.  Account until such person�s authority is ended. You may only end such 
    Installment Plan is a feature that can be used to make fixed monthly  person�s authority by notifying us in writing and returning to us any Card 
    payments over a pre-selected number of billings cycles for qualifying  such person may have. All of you are responsible, both together and 
    transaction(s).                           individually, for the entire Account balance even though only one of you 
    Installment Plan Fee is a fee charged on a monthly basis on all active  uses the Account. 
    Installment Plans.                         
    Interest Charges are the portion of Charges attributed to periodic  BILLING STATEMENTS 
    interest rates.                           You will receive a Statement periodically (normally monthly). Your 
    PIN is Personal Identification Number.    payment is due within 25 days from the date of the Statement (payment 
    Prime Rate is the U.S. Prime Rate published in The Wall Street Journal  due date). 
    in its column called �Money Rates� on the last Business Day of each   
    month.                                    PAYMENT OPTIONS 
    Promotional Balance is the balance subject to the Promotional Rate.  You may pay the new balance shown on your Statement each month or 
    Balances subject to Introductory Rates are included.  you may pay in monthly installments. If you decide to pay in monthly 
    Promotional Rate is a rate other than the standard rate, tied to a special  installments, you must pay at least the minimum payment on your 
    offering. A Promotional Rate offered when you open your Account may  Statement. The minimum payment includes the sum of all active 
    be called an Introductory Rate.           Installment Plan payments due, any amount that exceeds your Revolving 
    Purchase means purchase of merchandise or services on the Account  Credit Line plus the greater of: 
    plus related Charges and does not include any Balance Transfer,  �  $30.00 or the full amount of your total balance (excluding any active 
    Convenience Check, Cash Advance, Installment Plan and related Fees  Installment Plan balances) if it is less than $30.00; or 
    or Interest Charges.                        1.00% of your new balance (or your Revolving Credit Line if your 
    Revolving Credit Line is the maximum dollar amount of your Account  new balance exceeds your Revolving Credit Line; excluding any 
    balance you can carry over from month to month.  active Installment Plan balances) plus any amounts that are past 
    Statement is your billing statement.        due, plus Fees (excluding Balance Transfer and/or Convenience 
                                                Check Fees) and Interest Charges accumulated during the billing 
    CREDIT CARD SERVICES                        period. 
    The following provisions relate only to credit card services except as     
    otherwise applicable.                     When a payment is posted to your Account, we reserve the right to 
                                              restrict or delay all or part of the available credit created by the payment. 
    ACCOUNT DESCRIPTION                       The restriction or delay of the available credit is for risk management or 
    We will grant you a Revolving Credit Line as determined by us. Your  other related purposes, including but not limited to protection against 
    Revolving Credit Line is the maximum dollar amount of your Account  actual or potential fraudulent activities or unauthorized transactions.  
    balance you can carry over from month to month. Your Revolving Credit   
    Line will be indicated on your Statement.  OVERDRAFT PROTECTION 
                                              If you select overdraft protection, a Cash Advance will be made to cover 
    Your Account is also subject to a No Pre Set Spending Limit. No Pre Set  an overdraft in your designated Commerce Bank deposit account. Such 
    Spending Limit does not mean unlimited spending; rather each charge  Overdraft Cash Advances will be in the amount of $50.00 or multiples of 
    that causes your Account balance to exceed your Revolving Credit Line  $50.00. If the designated deposit account is a joint account, you will be 
    will be evaluated by us based on several factors. These factors include,  liable for all overdrafts on the account regardless of which joint account 
    but are not limited to, Account usage and performance, payment  owner caused, or benefited from the overdraft. Each Overdraft Cash 
    resources, other Account relationships with us, if applicable, and your  Advance is at our discretion. We may permit or refuse to permit any 
    experience with other creditors.          Overdraft Cash Advance that would cause you to exceed the Cash Limit 
                                              on your Account. We are not liable or responsible for any check drawn 
    Your Account is subject to a Cash Limit equal to the amount of your  that may for any reason be returned or otherwise dishonored. We may 
    Revolving Credit Line less outstanding balances, including Fees and  cancel this overdraft feature at any time without notice. 
    Interest Charges and will be indicated on your Statement. Your   
    outstanding balance will limit Cash Advance availability. The Cash Limit  BALANCE ON WHICH INTEREST CHARGES ARE CALCULATED 
    does not apply to Overdraft Cash Advances. Overdraft Cash Advances  If you accrue any Interest Charges on your Account at a variable rate, 
    will be subject to the term of the Account�s No Pre Set Spending Limit.  that rate will be calculated by adding a margin to the Prime Rate. Please 
                                              see the ACCOUNT OPENING DISCLOSURE, which is part of this 
     
     
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    Agreement, for specific information regarding the APRs used to  Non Overdraft Cash Advance Transaction Fee 
    compute your Interest Charges.            You will be charged a transaction Fee, with a minimum and no 
                                              maximum, for each Cash Advance posted to your Account. 
                                            
    We calculate your Daily Balance for each day in the billing cycle by   
    taking your beginning balance, adding any new transactions (excluding  Overdraft Cash Advance Transaction Fee 
    any active Installment Plans) or other debits, and subtracting any  You will be charged a transaction Fee for each Cash Advance resulting 
    payments (excluding payments toward any active Installment Plan) or  from the overdraft protection. 
    other credits. We multiply the Daily Balance by the Daily Periodic Rate to   
    get your Interest Charges for that day. We add these Interest Charges to  Installment Plan Fee 
    your Daily Balance to get the beginning balance for the next day. We do  You may be charged an Installment Plan Fee for each Installment Plan. 
    this for all days on which you have a balance owing on the Account,  Each Installment Plan Fee will be disclosed prior to establishing the 
    disregarding any credit balance, for the billing cycle.  Installment Plan and charged monthly throughout the Installment Plan 
                                              duration. The Installment Plan Fee will appear on your Statement.   
    We add all the daily Interest Charges and round the sum to the next   
    highest cent to get your total Interest Charges for that billing cycle. We  Annual Fee 
    do this calculation separately for each type of balance.  Your Account may have an Annual Fee that will be added annually to 
                                              your Account. Please see the ACCOUNT OPENING DISCLOSURE for 
    The Prime Rate used to determine the APR on your Account is the U.S.  information regarding the specific fee, if any, for your Account. 
    Prime Rate published in The Wall Street Journal in its column called  The imposition or payment of an Annual Fee does not affect or limit our 
    �Money Rates� on the last Business Day of each month. Although each  right to terminate this Agreement, cancel your Account, and demand 
    Daily Periodic Rate is determined by an index published prior to the first  payment, in a manner permitted by law, of any amounts owed on your 
    day of each calendar month, the respective Daily Periodic Rate will only  Account. 
    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  Foreign Transactions 
    published. No representation is made that the U.S. Prime Rate is the  Please see the ACCOUNT OPENING DISCLOSURE for information 
    lowest, the best or the favored rate of interest. If for any reason The Wall  regarding the specific Fees that may be charged to your Account related 
    Street Journal no longer publishes the �Money Rates� column, then we  to foreign transaction. 
    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  Visa and Mastercard Purchases, cash withdrawals and Cash Advances 
    your minimum monthly payment to increase.  made in currencies other than U.S. Dollars will be converted to U.S. 
                                                                    �    Dollars under regulations established by VISA International and 
                                                   �  INTEREST CHARGE COMPUTATION  Mastercard International. Visa conversion will be at a rate selected by 
    �  ON PURCHASES: Interest Charges begin to accrue on the  Visa from the range of rates available in wholesale currency markets for 
       transaction date, provided such date will never be later than the  the applicable central processing date, which may vary from the rate 
       date the Purchase is posted to the Account or earlier than the first  Visa itself receives or the government-mandated rate in effect for the 
       day of the billing cycle for the Statement on which such transaction  applicable central processing date. Mastercard conversion will be at a 
       is shown. Purchases are subject to a Grace Period. If the previous  rate selected by Mastercard, typically either a government-mandated 
       balance is zero or was paid in full by the payment due date shown  rate or a wholesale rate provided to Mastercard. Conversion to U.S. 
       on your Statement, no Interest Charge will be assessed on current  dollars may occur on a date other than the date of the transaction. 
       Purchases.                             Therefore, the conversion rate may be different from the rate in effect at 
    �  ON BALANCE TRANSFERS OR CONVENIENCE CHECKS:  the time of the transaction. You agree to pay the converted amount plus 
       Except for Convenience Checks associated with Installment Plans,  the applicable foreign transaction Fee. For Purchases, cash withdrawals, 
       Interest Charges begin to accrue on the date of the Balance  and Cash Advances made in U.S. dollars outside of the United States 
       Transfer or Convenience Check, provided such date will never be  and its territories, you agree to pay the transaction amount, plus the 
       later than the date the Balance Transfer or Convenience Check is  applicable foreign transaction Fee. 
       posted to the Account or earlier than the first day of the billing cycle   
       for the Statement on which such transfer or check is shown.   Late Payment Fee 
    �  ON CASH ADVANCES: Interest Charges begin to accrue on the  For each payment not received by the payment due date, we may 
       date of the Cash Advance, provided such date will never be later  charge a fee (�Late Payment Fee�). The first time you are late making the 
       than the date the Cash Advance is posted to the Account or earlier  required minimum monthly payment (�Late Payment First Occurrence�), 
       than the first day of the billing cycle for the Statement on which such  a $29 Late Payment Fee may be imposed. After the Late Payment First 
       advance is shown.                      Occurrence, if you make a late payment at anytime during the next six 
    �  ON INSTALLMENT PLANS: No Interest Charges are applied to  billing cycles (�Late Payment Second Occurrence�), a $40 Late Payment 
       active Installment Plans.              Fee may be imposed. After the Late Payment Second Occurrence, any 
                                              subsequent late payment during the next six billing cycles will also incur 
    TOTAL INTEREST CHARGE COMPUTATION         a $40 Late Payment Fee. At no time will the Late Payment Fee exceed 
    We add Interest Charges for each type of balance (excluding active  the amount of the required minimum monthly payment. 
    Installment Plans) to obtain your total Interest Charge for each billing   
    cycle.                                    Other Fees 
                                               
    PENALTY RATE AND WHEN IT APPLIES          Returned Payment Fee 
    If at any time we have not received the required minimum monthly  No Fee will be charged for any check or other form of payment sent to us 
    payment within 60 days of the respective payment due date, we may  which is returned unpaid. 
    increase the applicable APR to a penalty APR (�Penalty Rate�). Please   
    see the ACCOUNT OPENING DISCLOSURE for information  Returned Item Fee 
    regarding the Penalty Rate for your Account. The Account may be  If we decline to honor a Convenience Check or when payment of a 
    eligible for your standard Daily Periodic Rates and corresponding APR  Convenience Check is stopped at your request, we may charge a fee 
    for each type of balance after you have met the terms of this Agreement  (�Returned Item Fee�). The first time we decline to honor a Convenience 
    for six consecutive billing cycles after the monthly Statement on which  Check or when payment of a Convenience Check is stopped at your 
    the Penalty APR first appears. Otherwise, the Penalty Rate may apply  request (�Returned Item First Occurrence�), a $29 Returned Item Fee 
    indefinitely.                             may be imposed. After the Returned Item First Occurrence, if we decline 
                                              a Convenience Check or you request stop payment of a Convenience 
    TERMINATION OF INTRODUCTORY OR PROMOTIONAL RATES  Check at anytime during the next six billing cycles (�Returned Item 
    If during an Introductory or Promotional Rate period, we have not  Second Occurrence�), a $40 Returned Item Fee may be imposed. After 
    received the required minimum monthly payment within 60 days of the  the Returned Item Second Occurrence, any subsequent declined 
    respective payment due date, we will increase the applicable APR to the  Convenience Check or stop payment of a Convenience Check during the 
    Penalty APR. Introductory and/or Promotional Rates will not be  next six billing cycles will also incur a $40 Returned Item Fee. At no time 
    reinstated.                               will the Returned Item Fee exceed the amount of the Convenience 
                                              Check. 
    TERMINATION OF INSTALLMENT PLAN            
    If, during a period when an active Installment Plan is associated with the  Convenience Checks and Document Copy Charges 
    Account, we have not received the required minimum monthly payment  Charges for Convenience Checks and requests for copies of sales 
    within 60 days of the respective payment due date, we will cancel the  drafts, Statements or other documents related to your Account may be 
    Installment Plan and will apply the Penalty APR. The Installment Plan  billed on your Account as Purchases in accordance with the fee schedule 
    cannot be reinstated or recreated.        established by us from time to time. No charge will be made for copy 
                                              requests related to billing error resolution within 60 days of the disputed 
    FEES                                      transaction. 
                                               
    Transaction, Annual and Penalty Fees:     TOTAL FEE COMPUTATION 
    Please see the ACCOUNT OPENING DISCLOSURE for information  We add all Fees assessed to obtain your total Fees for each billing cycle 
    regarding the specific Fees that may be charged to your Account. Your  (excluding transaction Fees for Balance Transfers and/or Convenience 
    Installment Plan Fee will be displayed at the point of purchase as part of  Checks and Installment Plan Fees). We will assess Fees for Balance 
    your purchase confirmation or Convenience Check offer.  Transfers and/or Convenience Checks to your Account in the same 
                                              balance category to which the transaction is posted. Installment Plan 
    Minimum Interest Charge                   Fees will be charged monthly throughout the Installment Plan duration.  
    A minimum Interest Charge will be imposed in any billing cycle for which   
    an Interest Charge is payable and will appear on your Statement as a  CANCELLATION 
    Fee.                                      To the extent permitted by law, Commerce Bank may cancel your 
                                              Account, refuse to allow further transactions against your Account or 
    Balance Transfer Or Convenience Check Transaction Fee  revoke your Card(s) at any time (whether or not you are in default of any 
    You will be charged a transaction Fee, with a minimum and no  part of this Agreement) including, without limitation, when any affiliation 
    maximum, for each Balance Transfer and/or Convenience Check posted  you may have with a sponsoring organization ceases or when any 
    to your Account.                          agreement we may have with the sponsoring organization is terminated. 
     
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    Cancellation of your Account will not affect your liability to us for credit  any legal requirement that any documents digitally or electronically 
    we have extended to you, including amounts not yet billed to your  converted be embodied, stored, or reproduced in a tangible media. You 
    Account. We may cancel your Account without prior notice or liability.  undersigned and agree that a printed or digitally reproduced copy of the 
                                            
    You must surrender the Card(s), either upon a direct request by us, or  electronic record shall be given the same legal force and effect as a 
    any other bank or merchant who is acting upon our instructions.  signed writing. In addition, you authorize and agree to destruction of the 
                                              paper documents by Commerce Bank upon conversion of the paper 
    CONDITIONS OF DEFAULT                     documents to a digital or electronic record. 
    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  COMMUNICATIONS CONSENT 
    on your Statement; you fail to comply with the terms of this Agreement;  You expressly consent and agree that Commerce Bank and their 
    you make any false or misleading statements or omissions on your  affiliates, agents, vendors, collections agencies, and service providers 
    application; you file a bankruptcy petition or have one filed against you;  may use written, electronic or verbal means to contact you. The ways in 
    we obtain information that causes us to believe that you may be unwilling  which we may contact you include, but are not limited to, contact by 
    or unable to pay your debts to us or to others on time including, but not  manual calling methods, live operator calls, prerecorded or artificial voice 
    limited to, your failure to make any payment to us on any other  calls and messages, text messages, emails, and/or automatic telephone 
    indebtedness or loan; you are declared incompetent by a court or a court  dialing systems. You agree that Commerce Bank and their affiliates, 
    appoints a guardian/ conservator for you or your assets; or you die.  agents, vendors, collections agencies, and service providers may contact 
                                              you by using any email address or any telephone number you provide, 
    If we consider your Account to be in default, we may close your account  now or in the future, including a number for a cellular phone or other 
    without notice and require you to pay the balance in a manner permitted  wireless device, regardless of whether you incur charges as a result. 
    by law (subject to applicable law regarding notice or right to cure). To the  Phone numbers and email addresses, you provide include those you 
    extent permitted by law, if you are in default you will pay our collections  give to us, those from which you contact us or which we obtain through 
    costs, attorneys� fees, court costs, and all other expenses of enforcing  other means. Message and data rates may apply. 
    our rights under this Agreement.           
                                              Indemnification  
    ALLOCATION OF PAYMENTS                    If you provide telephone number(s) for which you are not the subscriber, 
    We will allocate your minimum payment in the manner we determine. If  you understand that you shall indemnify us for any costs and expenses, 
    there are any active Installment Plans associated with the Account, we  including reasonable attorneys� fees, incurred as a result of us contacting 
    will apply payment to the Installment Plan(s) first. We will then apply the  or attempting to contact you at the number(s) provided. In the event any 
    amount in excess of the minimum payment to balances with higher APRs  of your contact information changes, you agree to immediately notify us. 
    before balances with lower APRs and then to any Installment Plan   
    balance(s) in order of earliest Installment Plan expiration date.  Communication Revocation  
                                              If you do not want to receive communications as described in the 
    RECEIPT OF PAYMENTS                       previous paragraph, you must: (i) provide us with written notice revoking 
    Payments received before 5 PM CT at the address shown on your  your prior consent, (ii) in that written notice, you must include your name, 
    Statement on any of our regular Business Days will be posted as of the  mailing address, and the last four digits of your Account number; (iii) 
    date of receipt. Payments made in person before the close of business to  advise whether you would like communications to cease via mail, voice 
    an employee at a Commerce branch will be posted as of date of receipt.  calls, telephone number(s), email, text/SMS, or cease in all forms; (iv) if 
    Payments mailed to the address shown or made in person at a branch  you are requesting communications to cease via telephone number(s) 
    must be accompanied by the Account number or payment stub, and in  and/or email, please provide the specific phone number(s) and email 
    the form of a check or money order in U. S. Dollars drawn on a U. S.  address; (v) you must send this written notice to: 
    financial institution. Do not send cash through the mail. A delay in   
    crediting the payment to your Account may occur if the payment does not  Commerce Bank 
    meet these requirements for making payments (conforming  Attention � Commerce Bank Customer Service 
    payments). In no case shall such delay exceed five days from receipt of  P.O. Box 411036, Kansas City, MO 64141-1036 
    such payment.                              
                                              Telephone Conversation Recording  
    The cutoff time for payments made on any of our regular Business Days  You consent and agree that our staff may monitor and/or record phone 
    through Commerce as transfers from your Commerce deposit account  calls between you and our representatives without additional notice to 
    are as follows: Commerce ATM, 7:00 PM CT; Commerce Online  you, including but not limited to calls we make to service your account or 
    Banking, including Mobile Banking, 7:00 PM CT; Commerce Account  collect debt(s). 
    Information Line, 7:00 PM CT; Commerce Collections Department, 11:00   
    PM CT. A payment made through Commerce Online Bill Pay will be  MILITARY LENDING ACT DISCLOSURE 
    posted on the Pay Date.                   Federal law provides important protections to members of the Armed 
                                              Forces and their dependents relating to extensions of consumer credit. In 
    Conforming payments received after the respective cutoff time will be  general, the cost of consumer credit to a member of the Armed Forces 
    posted no later than the next Business Day. Payments made by a third- and his or her dependent may not exceed an annual percentage rate of 
    party payor, will be posted as of the date we receive the payment.  36 percent. This rate must include, as applicable to the credit transaction 
                                              or account: The costs associated with credit insurance premiums; fees 
    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 specified 
                                              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. 
     
      3 
     
                                              LIABILITY FOR UNAUTHORIZED USE 
    INTERPRETATION                            If your name appears on the Account for the Card(s) accompanying this 
    The Agreement shall be governed by applicable federal law and  Agreement, then by using or permitting another to use the Card(s) and/or 
                                            
    regulations. To the extent not preempted by applicable federal law, this  PIN, you agree to all the provisions of this Agreement, including, but not 
    Agreement shall be governed by the laws of the state of Missouri, but  limited to your promise to pay. You will not be liable for unauthorized use 
    Commerce Bank will rely on the provisions of Nebraska law with respect  that occurs after you notify Commerce Bank orally or in writing. 
    to the fees and charges (other than interest) that apply to your Account,  Notification of loss, theft or possible unauthorized use may be mailed to 
    as authorized by Missouri Revised Statutes Section 408.145.   Commerce Bank, P.O. Box 411036, Kansas City, MO 64141-1036, or 
                                              you may call 1-800-645-2103. 
    Your Billing Rights: Keep this Document for Future Use   
    This notice tells you about your rights and our responsibilities  DISPUTE RESOLUTION � ARBITRATION 
    under the Fair Credit Billing Act.         
                                              PLEASE READ THIS SECTION CAREFULLY.  IT PROVIDES THAT, 
    What To Do If You Find A Mistake On Your Statement  WITH LIMITED EXCEPTIONS, YOU AND WE MAY ELECT TO 
    If you think there is an error on your Statement, write to us at:  RESOLVE ANY DISPUTES BETWEEN YOU AND US BY BINDING 
    Commerce Bank, P.O. Box 411036, Kansas City, MO 64141-1036  ARBITRATION. IF ARBITRATION IS ELECTED, YOU AND WE WAIVE 
    You may also send us this information via fax at 1-816-234-2811  THE RIGHT TO A JURY TRIAL OR TRIAL BEFORE A JUDGE IN A 
                                              PUBLIC COURT, AND YOU AND WE WAIVE ANY RIGHT TO BRING 
    In your letter, give us the following information:  OR PARTICIPATE IN ANY CLASS ACTION OR SIMILAR 
       �  Account information: Your name and Account number.  PROCEEDING.  
       �  Dollar amount: The dollar amount of the suspected error.   
       �  Description of problem: If you think there is an error on your  YOU HAVE THE RIGHT TO OPT OUT OF THIS AGREEMENT TO 
         bill, describe what you believe is wrong and why you believe it  ARBITRATE AS SET FORTH BELOW.   
         is a mistake.                         
    You must contact us:                      Agreement to Arbitrate 
       �  Within 60 days after the error appeared on your Statement.  You and we agree that either of us may elect to resolve any Claims (as 
       �  At least 3 Business Days before an automated payment is  defined below) through binding arbitration unless you opt out of the 
         scheduled, if you want to stop payment on the amount you  agreement to arbitrate as set forth below, or unless prohibited by law. If 
         think is wrong.                      you or we elect to resolve a Claim through arbitration, neither you nor we 
    You must notify us of any potential errors in writing. You may call us, but  will have the right to pursue such claim in court or have a jury decide the 
    if you do, we are not required to investigate any potential errors and you  claim, nor will you or we have the right to bring or participate in any class 
    may have to pay the amount in question.   or other representative action in court or in arbitration.   
                                               
    What Will Happen After We Receive Your Letter  What Claims are Subject to Arbitration?  As used in this section, the term 
                                              �Claim� has the broadest possible meaning and includes, but is not 
    When we receive your letter, we must do two things:  limited to, any unresolved disagreement, controversy, dispute, or cause 
       1. Within 30 days of receiving your letter, we must tell you that we  of action between you and us, whether preexisting, present or future, 
       received your letter. We will also tell you if we have already  arising out of, related to or concerning this Agreement, your Account, the 
       corrected the error.                   services provided pursuant to this Agreement, optional features including 
                                                                SM     �
       2. Within 90 days of receiving your letter, we must either correct the  but not limited to Special Connections  and toggle , any relationship 
       error or explain to you why we believe the bill is correct.  between you and us, or any advertisement or solicitation, whether such 
                                              Claim is asserted or brought in a direct, derivative, assignee, survivor, 
    While we investigate whether or not there has been an error:  successor, beneficiary or personal capacity. Without limiting the 
                                              foregoing, the term �Claim� also includes any unresolved disagreement, 
       �  We cannot try to collect the amount in question or report you 
                                              controversy, dispute, or cause of action between you and us arising out 
         as delinquent on that amount. 
                                              of, related to or concerning any fees or charges relating to any 
       �  The charge in question may remain on your Statement, and 
                                              Account(s), and any services relating to any Account(s), optional 
         we may continue to charge you interest on that amount.          SM     � features including but not limited to Special Connections  and toggle , 
       �  While you do not have to pay the amount in question, you are 
                                              on-line or telephone banking services, communication methods and 
         responsible for the remainder of your balance. 
                                              practices we may use to service your Account, and ATM services.  It also 
       �  We can apply any unpaid amount against your credit limit. 
                                              includes any disputes you have with our agents, contractors, employees, 
        
                                              officers or assignees, any merchants with whom you use the Account, 
    After we finish our investigation, one of two things will happen: 
                                              any credit reporting agencies to whom we report the Account or any 
       �  If we made a mistake: You will not have to pay the amount in 
                                              other third party that has been involved or becomes involved with, or 
         question, or any Interest Charges or other Fees related to that 
                                              whose trademarks are used in connection with, any purchasing, 
         amount. 
                                              marketing, soliciting, servicing or credit reporting activity relating to your 
       �  If we do not believe there was a mistake: You will have to pay 
                                              Account.  The Claims covered by this agreement to arbitrate include, 
         the amount in question, along with applicable Interest Charges 
                                              without limitation:  
         and Fees. We will send you a Statement of the amount you 
                                                �  Any disputes regarding: the application you prepared in 
         owe and the date payment is due. We may then report you as 
                                                   connection with the issuance of your Account; any solicitation 
         delinquent if you do not pay the amount we think you owe. 
                                                   or advertising materials you received in connection with your 
     
                                                   Account; any activities relating to the maintenance or servicing 
    If you receive our explanation but still believe your bill is wrong, you must 
                                                   of your Account; and any funds held by the Bank in connection 
    write to us within 10 days telling us that you still refuse to pay. If you do 
                                                   with your Account;  
    so, we cannot report you as delinquent without also reporting that you 
                                                �  Any disputes arising from the collection of amounts you owe in 
    are questioning your bill. We must tell you the name of anyone to whom 
                                                   connection with your Account or the manner of collection;  
    we reported you as delinquent, and we must let those organizations 
                                                �  Any disputes concerning the dollar amount of payments made 
    know when the matter has been settled between us. 
                                                   or transactions posted to your Account;  
     
                                                �  Any disputes concerning the processing of items or funds 
    If we do not follow all of the rules above, you do not have to pay the first 
                                                   transfers sent to the Bank for the purpose of posting to your 
    $50 of the amount you question even if your bill is correct. 
                                                   Account;  
     
                                                �  Any disputes regarding information obtained by us from, or 
    Your Rights If You Are Dissatisfied With Your Credit Card 
                                                   reported by us to, credit bureaus or others;  
    Purchases 
    If you are dissatisfied with the goods or services that you have  �  Any disputes related to insurance or other services or products 
    Purchased with your credit card and you have tried in good faith to  purchased from us in connection with your Account; 
    correct the problem with the merchant, you may have the right not to pay  �  Any disputes regarding communications involving telephones, 
    the remaining amount due on the Purchase.      automatic dialing systems, artificial or prerecorded voice 
                                                   messages, SMS text messages or facsimile machines; and 
    To use this right, all of the following must be true:  �  Any disputes concerning the relationships resulting from this 
                                                   Agreement, your Account or any of the foregoing. 
      1. The Purchase must have been made in your home state or within   
      100 miles of your current mailing address, and the purchase price  The term �Claim� includes claims of every kind and nature, including but 
      must have been more than $50. (Note: Neither of these are  not limited to, initial claims, counterclaims, cross-claims and third-party 
      necessary if your Purchase was based on an advertisement we  claims and claims based upon contract, tort, fraud and other intentional 
      mailed to you, or if we own the company that sold you the goods or  torts, statutes, regulations, common law and equity.  For purposes of this 
      services.)                              section, �we,� �us,� and �our� includes Commerce Bank, any corporate 
      2. You must have used your credit card for the Purchase. Purchases  parent, subsidiaries, affiliates, employees, officers, directors, agents, 
      made with Cash Advances from an ATM or with a check that  controlling persons and representatives, as well as any person or entity 
      accesses your credit card Account do not qualify.  who provides any services in connection with this Agreement or who is 
      3. You must not yet have fully paid for the Purchase.  named as a co-defendant with us in a Claim asserted by you. 
                                               
    If all of the criteria above are met and you are still dissatisfied with the  What Disputes are Not Subject to Arbitration?  Notwithstanding any other 
    Purchase, contact us in writing at:       language herein, the term �Claim� shall not include any dispute or 
                                              controversy regarding the validity, enforceability, coverage or scope of 
    Commerce Bank P.O. Box 411036, Kansas City, MO 64141-1036  this agreement to arbitrate or any part thereof, including, without 
                                              limitation, the �Waiver of Jury Trial and Class or Representative Action� 
    While we investigate, the same rules apply to the disputed amount as  provision set forth below, subsections A and B of the �Survival and 
    discussed above. After we finish our investigation, we will tell you our  Severance� provision set forth below and this sentence; all such disputes 
    decision. At that point, if we think you owe an amount and you do not  are for a court and not the arbitrator to decide.  In addition, claims filed 
    pay, we may report you as delinquent.     by you or us individually in small 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 different court, you or we will then have the right to 
     
      4 
     
    demand arbitration of such claim. Other claims, disputes, controversies  To opt out, you must send us written notice of your decision to reject this 
    or issues not subject to arbitration are set forth in the section titled  agreement to arbitrate to the address set forth below. We must receive 
    �Rights Preserved.�                       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 
    How Does Arbitration Work?  The arbitration shall be administered by the  disclosure, provided it to you in person, or by other reasonable delivery 
    American Arbitration Association (�AAA�), pursuant to its Consumer  method. Your written opt out notice must: (a) include a signed statement 
    Arbitration Rules (collectively, �Rules�) in effect at the time a demand for  that you reject the agreement to arbitrate set forth in this Agreement; (b) 
    arbitration is filed. The Rules are available online at www.adr.org, or you  include your name, address and the Account number you wish to opt out; 
    may contact the AAA at 120 Broadway, Floor 21, New York, N.Y 10271.   and (c) be sent to us at the following address: Commerce Bank, Attn: 
    If the AAA is unable to serve and you and we cannot agree on a  ADR Credit Card Opt Out,  P.O. Box 414220, Kansas City, MO 64141-
    replacement, a court with jurisdiction will select the arbitrator. If there is a  4220. 
    conflict between the Rules and this agreement to arbitrate, or between   
    this agreement to arbitrate and the Agreement, this agreement to  This is the only way you can reject this agreement to arbitrate. If you opt 
    arbitrate shall control.  Pursuant to the Rules, the AAA will select a single  out, it will not affect any other terms of this Agreement, and it will not 
    arbitrator who shall have expertise in the substantive laws applicable to  adversely affect your Account or any relationship between you and us.  
    the Claim�s subject matter. If the value of relief sought is $10,000 or less,  Your rejection of this agreement to arbitrate shall not be imputed to any 
    you or we may elect to have the arbitration conducted by telephone or  other person or entity or be deemed to be a rejection of this agreement 
    based solely on the submission of written documents, unless the Rules  to arbitrate by any person or entity other than you.  Nor shall your 
    or arbitrator requires an in-person proceeding. If the value of the relief  rejection of this agreement to arbitrate eliminate the obligation of other 
    sought is more than $10,000, or an in-person proceeding is required, the  persons or entities who wish to reject this agreement to arbitrate to 
    arbitration proceeding shall be conducted in the same city as the U.S.  personally comply with the notice and time requirements of this opt-out 
    District Court closest to your home address, unless the parties mutually  provision. The agreement to arbitrate is the only section of this 
    agree upon a different location in writing. Either party may, at its sole  Agreement that you can opt out of. 
    cost and discretion, choose to be represented by an attorney at any   
    arbitration proceeding.                   Waiver of Jury Trial and Class or Representative Action.  UNLESS YOU 
                                              REJECT THIS AGREEMENT TO ARBITRATE IN ACCORDANCE 
    The arbitrator may award any damages or other relief provided for under  WITH THE TERMS OF THIS SECTION, YOU AND WE AGREE THAT 
    applicable law as if an individual action were brought in court, including,  IF A CLAIM IS ARBITRATED, NEITHER YOU NOR WE WILL HAVE 
    without limitation, punitive damages (which shall be governed by the  THE RIGHT TO (i) PARTICIPATE IN A CLASS ACTION IN COURT OR 
    Constitutional standards employed by the courts) and injunctive,  IN ARBITRATION, EITHER AS A CLASS REPRESENTATIVE OR 
    equitable and declaratory relief (but only in favor of the individual party  CLASS MEMBER, (ii) ACT AS A PRIVATE ATTORNEY GENERAL OR 
    seeking relief and only to the extent necessary to provide relief  IN ANY OTHER REPRESENTATIVE CAPACITY ON BEHALF OF THE 
    warranted by that party�s individual claim). If we made a written offer to  GENERAL PUBLIC OR OTHER PERSONS SIMILARLY SITUATED IN 
    you to settle your Claim prior to an arbitrator being selected, and the  COURT OR IN ARBITRATION OR (iii) HAVE A COURT OR A JURY 
    arbitrator awards you an amount greater than our last offer, if any, we will  RESOLVE THE CLAIM.   MOREOVER, UNLESS MUTUALLY AGREED 
    (i) pay you the arbitrator�s award or $5,000, whichever is greater, and (ii)  UPON IN WRITING BY ALL PARTIES, CLAIMS MAY NOT BE 
    pay your reasonable attorney, witness and expert fees and costs, if any.  JOINED, CONSOLIDATED, OR OTHERWISE COMBINED WHETHER 
    Judgment on the arbitrator�s award is final and binding and may be  OR NOT ANY SUCH COMBINATION OCCURRED AS A RESULT OF 
    entered in any court of competent jurisdiction.  AN ASSIGNMENT. 
                                               
    The arbitrator, you and we will not disclose the existence, content or  Rights Preserved.  In addition to subjects excluded from arbitration in 
    outcome of any arbitration proceeding; provided, however, that  accordance with the provision titled �Which Disputes are Not Subject to 
    disclosures required by applicable law or regulation shall not be subject  Arbitration?� this agreement to arbitrate does not prohibit you or us, at 
    to such restriction.  The foregoing sentence does not prohibit any party  any time, from (a) exercising any lawful rights to preserve or obtain 
    from, in good faith, investigating a claim or defense, including  possession of property or self-help remedies, including but not limited to, 
    interviewing witnesses or otherwise engaging in discovery as permitted  the right to set-off, the right to restrain funds in a deposit account, 
    by the Rules. No arbitration award involving the parties will have any  recoupment, repossession, replevin or trustee�s sales;  (b)  obtaining 
    preclusive effect as to issues or claims in any dispute involving anyone  provisional or ancillary remedies or injunctive relief (other than a stay of 
    who is not a party to the arbitration, nor will an arbitration award in prior  arbitration), including but not limited to attachment, garnishment, 
    disputes involving other parties have preclusive effect in an arbitration  interpleader or the appointment of a receiver by a court of appropriate 
    between the parties to this agreement to arbitrate.   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 
    How is Arbitration Initiated? If you or we elect to arbitrate a Claim, the  and that does not involve a request for damages or monetary relief of 
    party electing arbitration must notify the other party in writing. This notice  any kind.  
    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  Conflict, Survival and Severance.  In the event of any conflict or 
    arbitration of claims asserted by the plaintiff in a lawsuit filed in court).  inconsistency between this agreement to arbitrate and other provisions 
    Otherwise, your notice must be sent to Commerce Bank, Attn: ADR  of this Agreement or the Rules, this agreement to arbitrate will govern. 
    Notice, P.O. Box 413037, Kansas City, MO 64141-3037, and our notice  This agreement to arbitrate shall survive any termination of or changes to 
    will be sent to the most recent address for you in our files. If a party files  any of your Account subject to this Agreement; the transfer or 
    a lawsuit in court asserting Claim(s) that are subject to arbitration and the  assignment of any of the foregoing; and the bankruptcy of any party to 
    other party files a motion to compel arbitration with the court which is  the extent permitted by law. If any term or provision of this agreement to 
    granted, it will be the responsibility of the party asserting the Claim(s) to  arbitrate is held to be unenforceable, prohibited or invalid, the remaining 
    start the arbitration proceeding in accordance with the Rules.   provisions shall be enforced without regard to such illegal or 
                                              unenforceable term or provision, except that: 
    Who Pays for Arbitration?  Except as otherwise provided herein, we will   
    pay the filing, administration and arbitrator fees charged by the AAA for    (A) if any provision of this agreement to arbitrate regarding 
    any arbitration initiated in accordance with this agreement to arbitrate. If  class action, class arbitration, private attorney general action, other 
    you pay any initial filing fee, we will reimburse you. If you cannot afford to  representative action, joinder, or consolidation is determined by an 
    pay any initial filing fees, we will pay them for you. We will pay any fees  authority of competent jurisdiction to be unenforceable or illegal, such 
    or expenses that we are required to pay by law or the Rules or that we  provision shall not be severable and this agreement to arbitrate between 
    are required to pay for this agreement to arbitrate to be enforced.   you and us (except for this sentence) shall be null and void, provided that 
                                              such determination of unenforceability or illegality shall be subject to 
    The arbitrator will have the authority to award fees and costs of  appeal. The parties acknowledge and agree that under no circumstances 
    attorneys, witnesses and experts to the extent permitted by the Rules,  will a class action, private attorney general action or other representative 
    this agreement to arbitrate, the Agreement, or applicable law. We will not  action be arbitrated; and  
    seek to recover from you any fees or expenses we pay on your behalf, or   
    any attorney, witness or expert fees or other costs or expenses we incur    (B) if a Claim is brought seeking public injunctive relief and a 
    in defending an individual arbitration commenced by you.  court determines that the restrictions in the �Waiver of Jury Trial and 
    Notwithstanding the foregoing, if the arbitrator finds that a Claim is  Class or Representative Action� provision or elsewhere in this agreement 
    frivolous or brought in bad faith or for an improper purpose, then the  to arbitrate prohibiting the arbitrator from awarding relief on behalf of 
    payment of all fees, costs and expenses shall be determined by the  third parties are unenforceable with respect to such Claim (and that 
    Rules.                                    determination becomes final after all appeals have been exhausted), the 
                                              Claim for public injunctive relief will be determined in court and any 
    What Law is Applicable?  You and we agree that our relationship  individual Claims seeking monetary relief will be arbitrated.  In such a 
    includes transactions involving interstate commerce and that this  case the parties will request that the court stay the Claim for public 
    agreement to arbitrate and any arbitration rule, proceeding and award  injunctive relief until the arbitration award pertaining to individual relief 
    pursuant to the terms hereof, are governed by and enforceable pursuant  has been entered in court.  In no event will a Claim for public injunctive 
    to the provisions of the Federal Arbitration Act (�FAA�) (9 U.S.C. � 1, et  relief be arbitrated.  
    seq.).  Notwithstanding anything to the contrary in the Agreement, to the   
    extent that state law is applicable, including with respect to the  DISPUTE RESOLUTION - JURY TRIAL WAIVER   
    interpretation and enforcement of this agreement to arbitrate, Missouri  You and we agree that in the event that any Claim or dispute between us 
    law shall apply to the extent consistent with the FAA.  The arbitrator shall  is not arbitrated but instead is resolved in court, you and we knowingly 
    decide the claim in accordance with applicable substantive law and the  and voluntarily waive the right to a jury trial to the full extent permitted by 
    terms of this Agreement, and shall apply all statutes of limitation and  applicable law. 
    honor attorney-client and other privileges.    __________________________________________ 
                                               
    How do I Opt Out of the Agreement to Arbitrate?  If you do not accept  If you have any questions regarding this Agreement, or our current fee 
    this agreement to arbitrate, you may reject it (�opt out�). If you opt out,  schedule, write to us at Commerce Bank, P.O. Box 411036, Kansas 
    neither you, nor we, will be subject to the requirement to resolve any  City, MO 64141-1036, or call us at 1-800-645-2103. 
    claim by arbitration or any other provision of this section.     
                                               
                                              (Effective 2/26/2020) 
     
      5 
     
                                               
                                                     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, 
               SM    � 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                    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 
               SM Special Connections  Feature-eligible deposit accounts, credit cards,  from which to take the money, then you agree that Commerce will 
                                       SM 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 
                 SM The Special Connections  Feature allows you to add certain  Account�). At merchants that have agreed to accept the Card on 
                                                                           SM functionality to any Commerce Bank-issued credit card, including  networks utilized by us and support the Special Connections  Feature, 
                        � Commerce Bank�s Special Connections  Visa or Mastercard credit card.  you can use funds in your Point of Sale Account to pay for your 
                      � However, your Special Connections  Visa or Mastercard credit card is  purchases. The use of your Card in this manner constitutes a 
                                SM not automatically enabled with the Special Connections  Feature. You  simultaneous withdrawal from and/or demand upon your checking 
    must proactively enroll any credit card, including your Special  account, even though the transaction may not actually be posted to your 
           � Connections  Visa or Mastercard credit card, in the Special  account until a later date. Merchants decide how to interact with the 
           SM                                           SM Connections  Feature in order for that card to utilize the Special  Special Connections  Feature and the experience may vary.  
           SM Connections  Feature�s capabilities 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 
                                              obligated to re-credit the account if you fail to obtain a cancellation 
    Account Access. The following EFTs are only available if you request  number. In addition, authorizations issued for card transactions must be 
                 SM the Special Connections  Feature. Depending on the type of accounts   canceled when you initiate a card transaction and subsequently use 
    that Commerce determines from time-to-time are eligible for the Special  another form of payment for the transaction such as a credit card or 
           SM Connections  Feature as well as which of your accounts you choose to   cash, since failure to have the authorization canceled may also result in 
                       SM access using the Special Connections  Feature, you may use your Card  a hold on funds in the account and limit your future transactions. 
    to perform the following functions where otherwise permitted:    
                                              POINT OF SALE TRANSACTIONS 
                                                                      SM ATM Transaction  The use of your card with the Special Connections  Feature to 
    At the ATM, insert your Card and enter the credit card PIN that you  purchase goods and services constitutes a simultaneous withdrawal from 
    established for this Card to (i) withdraw cash from, deposit money in,   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 
                     SM                       �  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 paid 
    choose to get this notice only when the payment would differ by more 
                                              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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                                              promotions or transactions that may be offered to You from time-to-time 
    Payments are not applied to the required minimum payment due on Your  and any terms and conditions contained in any document issued to You 
    Statement each month. You will still have a required minimum payment  by Commerce.  
                                            
    due each month, which will appear on Your Statement and will be   
    subject to the terms of Your cardholder agreement.  This authorization is to remain in effect until Commerce has received 
                                                                               �   electronic notice of termination from You. You may terminate toggle  
    PAY LATER                                 electronically through Online Banking, or by contacting us at 1-800-645-
    �Pay Later� means any Purchase that is made with Your Account that will  2103. Your notice must be sent in such time and manner as to afford 
    not be automatically paid for from a DDA, and will become a part of your  Commerce Bank a reasonable opportunity to act upon the termination 
    outstanding credit card balance.          (but in no event less than three business days). Commerce reserves the 
                                                             �   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 
              � regard 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, 
     
      8