Zions Bancorporation, N.A. dba The Commerce Bank of  Oregon 
Consumer Credit Card Agreement  
 
VISA � PLATINUM 
 
Effective October 1, 2018  
 
1.0: INTRODUCTORY PROVISIONS AND DISCLOSURES:  
The following information on interest rates, intere st charges, and fees are accurate as of 10/1/2018 a nd 
may have changed after that date. To find out what may have changed, call us at 503-548-1000.  
 
 
Interest Rates and Interest Charges 
 
 
Annual Percentage Rate 
(APR) for Purchases  
� 14.04%  Fixed  Rate for Visa Platinum 
 
 
APR for Cash Advances   
� 14.04%  Fixed  Rate for Visa Platinum 
 
 
Paying Interest  
  
Your due date is at least 25 days after the close o f each billing cycle. We 
will not charge you any interest on purchases if yo u pay your entire 
balance due by the due date each month. We will beg in charging 
interest on cash advances on the transaction date. 
 
 
Minimum Interest Charge 
  
No Minimum Interest Charge 
 
For Credit Card Tips from 
the Federal Reserve 
Board 
  
To learn more about factors to consider when applyi ng for or using a 
credit card, visit the website of the Consumer Fina ncial Protection 
Bureau at http://www.consumerfinance.gov/learnmore . 
 
 
Fees 
 
 
Annual Fee 
  
$25  
 
 
Transaction Fees: 
 
/square4 Cash Advance 
 
/square4 International 
Transactions  
 
 
1% of the amount of each cash advance. 
 
1%  of the U.S. dollar amount of the transaction. 
 
 
Penalty Fees: 
 
/square4 Late Payment  
 
/square4 Returned Payment  
 
 
Up to  $25  
 
Up to  $25  
 
 
How We Will Calculate Your Balance: We use a method called �average daily balance (incl uding new 
purchases)�. See your cardholder agreement for more  details. 
 
Billing Rights:  Information on your rights to dispute transactions  and how to exercise those rights is 
provided in your cardholder agreement.  
     
 1.1: Zions Bancorporation, N.A. dba The Commerce Ba nk of Oregon among other things, issues 
credit cards to its customers. This is a credit car d agreement and disclosure statement ("Agreement") 
between you and Zions Bancorporation, N.A. dba The Commerce Bank of Oregon (�Bank�) containing the 
terms that will apply to your consumer credit card account (�Account�) and replaces and supersedes any  
previous Consumer Credit Card Agreement and Disclos ure Statement (and amendments thereto).  
 
1.2: DEFINITIONS AND PARTIES TO AGREEMENT: The following definitions apply and will help you 
better understand this document: The word �Bank� means Zions Bancorporation, N.A. dba The 
Commerce Bank of Oregon. The words �Card Agreement� refers to this Agreement together with the 
Card Application and the folder containing the Card . The word �Card� refers to the one or more credit 
cards and the associated card number that the Bank has issued with the account number for your Card 
Account, including any renewal or replacement cards . The words �Card Account� refer to the Visa 
Platinum credit card account governed by the Card A greement between you and the Bank. The words 
�Card Application� refer to the credit application for the Card Accoun t. The words �Credit Card 
Checks� refer to the one or more checks that the Bank may p rovide to access your Card Account. The 
words �Credit Limit� refer to the maximum available dollar amount of cre dit authorized by the Bank. The 
words �Outstanding Balance� refer to the entire amount owing on your Card Accou nt at any given time. 
The words �you� and �your� refer to the one or more individuals (including the  primary applicant and 
any co-applicant) who have received credit from the  Bank and who are liable on the Card Account. The 
words �we� or �us� refer to Zions Bancorporation, N.A. dba The Commerc e Bank of Oregon.  
 
1.3: AGREEMENT: This Agreement documents the agreement between you and the Bank regarding 
your Card Account. This Agreement contains importan t information that you should review carefully and 
keep in your records. This Agreement becomes effect ive on the earlier of (1) 15 days after the Bank 
sends you the Card, or (2) your first use of the Ca rd or Card Account. Any use of the credit associate d 
with your Card Account constitutes your acceptance of the terms of this Agreement. If you do not wish to 
be bound by this Agreement, you must not use (or au thorize anyone else to use) your Card or Card 
Account and you must cancel your Card Account withi n 15 days after receiving the Card. 
1.3.1: Integrated Agreement . You agree that the Card Agreement is a final writ ten expression of the 
Agreement between you and the Bank and that the Car d Agreement may not be contradicted by evidence 
of any alleged oral agreement.  
1.3.2: Severability. The provisions of the Card Agreement are severable to the extent that any provision 
hereof held to be prohibited or unenforceable in an  applicable jurisdiction shall not invalidate the 
remainder of the Card Agreement in that jurisdictio n and shall be fully enforceable in any other juris diction 
not expressly prohibiting such provision. 
1.3.3: Delay in Enforcement. The Bank may exercise its rights under the Card Agr eement immediately 
or, at the Bank's sole discretion, may decline to e nforce or delay in enforcing any such rights withou t 
losing, waiving, or impairing them.  
1.3.4: Assignment and Binding Effect. You may not sell, assign, or transfer the Card Agre ement or 
your Card Account or any portion thereof without th e express prior written consent of the Bank. The Ba nk 
may sell, assign, or transfer the Card Agreement or  your Card Account or any portion thereof without 
notice to you. Subject to the foregoing, the Card A greement shall be binding upon the heirs, 
representatives, successors, and assigns of the par ties hereto. 
 
1.4: AMENDMENT OF THIS AGREEMENT: The Bank may amen d this Agreement by changing, 
adding or deleting any term, condition, service or feature (�New Term�) of your Account or of this 
Agreement at any time. The Bank will provide you wi th notice of the amendment to the extent 
required by law. Unless we state otherwise, any New  Term may apply only to new activity on your 
account. If the amendment includes any change for w hich we need your consent, we will obtain 
your consent before that New Term becomes effective . If we need to do so, we may obtain your 
consent in any one or more of the following ways: ( a) by your usage of the Account after we give 
you notice of the amendment; (b) by your failure to  write us on time if we request that you write us 
to reject a New Term; or (c) by your affirmative ag reement which may be obtained verbally, in 
writing or electronically. 
1.4.1: If you do not agree to the Amendment. You must notify the Bank in the manner provided wit h the 
amendment within 25 days after the effective date o f the change, and the Bank may close your Card 
Account and may elect to have you pay the Outstandi ng Balance as provided by law. Otherwise, you 
shall be deemed to have agreed to the change(s) in the Bank�s notice. Use of the Card after the effect ive 
date of the change shall be deemed to be your accep tance of the new terms .     
 1.4.2: Any other term in the amendment will become effective without your consent, although you 
may be able to avoid a fee or charge by not making the type of transaction to which it applies after 
the effective date of the amendment. 
 
1.5: CREDIT LIMIT: The Credit Limit on your Card Account is disclosed on each monthly statement (your 
initial Credit Limit appears on the folder containi ng the Card). You agree not to use or allow anyone else 
to use the Card or your Card Account in any way tha t would cause the Outstanding Balance to exceed 
your Credit Limit. You are liable for the Outstandi ng Balance even if it exceeds your Credit Limit. Th e 
Bank may increase or decrease your Credit Limit at any time and will notify you of such change. In 
addition, you may request a change in your Credit L imit by writing to the address shown on your monthl y 
statement or by calling 503-548-1000 during busines s hours (8:00 a.m. to 5:00 p.m. Pacific Time, Monda y 
through Friday).  
 
2.0: THE CARD: 
2.1: Signature Panel. For your protection, the back of the Card contains a signature panel which should 
be signed before the Card is used. 
2.2: Card is Bank Property. The Card is the property of the Bank and must be re turned to the Bank if the 
Bank so requests. Also, the Bank can at any time an d without cause and without notice, revoke the righ t 
to use the Card. If a merchant or a financial insti tution where the Card is attempted to be used asks for 
the surrender of the Card, it must be surrendered i mmediately. 
2.3: Expiration. The Card will not be valid after the expiration dat e printed on the front of the Card and it 
must not be used after that date. 
2.4: Renewal and Replacement Cards. The Bank will continue to issue renewal or replacem ent Cards 
until the Bank revokes the right to use the Card or  until your Card Account is closed. 
2.5: Additional Cards. You may request additional Cards at no additional c ost for members of your 
family or for others you authorize to use your Card  Account. However, you are responsible for all char ges 
to your Card Account made by such persons. 
 
3.0: AVAILABLE TRANSACTIONS: Subject to the restrictions described herein, card network rules and 
the law, the Card and your Card Account may be used  in any of the following transactions: 
3.1: Purchases. The Card may be used to purchase or lease goods or services wherever the Card is 
honored. 
3.2: Cash Advances. Subject to your available Credit Limit, the Card ma y be used to obtain cash 
advances from your Card Account (1) in person at th e Bank or any participating financial institution o r (2) 
at any ATM in the Bank network or any of the other participating ATM networks (the names of which are 
shown on the back of the Card), subject to the foll owing limitation (certain ATMs may have other limit s): 
the total dollar amount of such ATM cash advances p lus all cash withdrawal electronic fund transfers 
made during any calendar day (from midnight to midn ight) may not exceed $500 for each card issued 
with your Card Account number. Cash advances may no t exceed the lesser of your available credit or at 
our option $5,000 for any single advance. Each cash  advance will create a charge to your Card Account.  
3.3: Electronic Online Cash Advances: Subject to your available Credit Limit, the Card ma y be used to 
obtain electronic online cash advances from your Ca rd Account. Based on risk, we reserve the right to 
limit electronic online cash advance access at the sole discretion of the Bank. Each electronic online  cash 
advance will be treated as a cash advance subject t o a Cash Advance Transaction Fee charged to your 
Card Account. 
3.4: Internet Transactions: If your card is a Visa branded card, enrollment in the Verified by Visa 
program is required after 3 internet purchases. If your card is MasterCard branded, enrollment in 
MasterCard SecureCode program is required after 3 i nternet purchases. In order to make transactions 
over the Internet merchants may request your Verifi ed by Visa or MasterCard SecureCode password to 
complete the transaction. If a password is not prov ided the merchant may deny the transaction. If the 
password is incorrect we may deny the transaction. By allowing another to use your Verified by Visa 
password or MasterCard SecureCode password you are authorizing the transaction on your account. 
3.5: No Illegal use: OFAC Sanctions; Internet Gambl ing Prohibited:  You must not use your Account, 
Card or Credit Card Checks (a) for any illegal purp ose; (b) for any transaction or in any manner that 
violates the law; (c) to conduct transactions in an y country or territory, or with any individual or e ntity, that 
is subject to economic sanctions administered and e nforced by the U.S. Department of the Treasury's 
Office of Foreign Assets Control (OFAC); or (d) to gamble on the Internet. Restricted transactions as 
defined in Federal Reserve Regulation GG are prohib ited from being processed through this account or 
relationship. Restricted transactions generally inc lude, but are not limited to, those in which credit ,     
 electronic fund transfers, checks, or drafts are kn owingly accepted by gambling businesses in connecti on 
with the participation by others in unlawful Intern et gambling. We have elected to not offer accounts to 
organizations that offer or sponsor Internet gambli ng. Commercial accounts receiving or processing 
Internet gambling transactions are subject to closu re.   
 
4.0: MONTHLY STATEMENTS: The Bank will send you (or one of you) a monthly st atement 
summarizing each transaction on your Card Account d uring the preceding billing period. Your monthly 
statement will show the total amount you owe as of the end of the billing period, including any financ e 
charges, fees, the minimum payment due and the paym ent due date, which date is at least 25 days from 
the monthly statement closing date. It also shows y our current Credit Limit. The Bank will mail or del iver 
your monthly statement to only one address. Preserv ation of your rights under federal law regarding 
resolution of billing errors depends upon your time ly recognition of potential errors, as explained in  �Billing 
Rights Summary� notice at the end of this Agreement . 
 
5.0: HOW THE NEW BALANCE IS DETERMINED: The total amount that you owe the Bank at the end o f 
the current billing period appears as the �New Bala nce� on the monthly statement. The Outstanding 
Balance at the end of the previous billing period i s called the �Previous Balance�. The New Balance is  
determined by taking the Previous Balance and (1) s ubtracting any payments and credits received by the  
Bank during the current billing period and then (2)  adding any purchases, cash advances, finance 
charges, fees, and, other adjustments. 
 
6.0: PAYMENTS: You promise to pay the Bank according to the terms of this Agreement the entire 
amount owing hereunder. You agree to make all payme nts in U.S. Dollars drawn on funds on deposit in 
the United States (however, the Bank may at its opt ion choose to accept payments made in foreign 
currency or made by drawing on funds on deposit out side the United States, in which case you agree to 
pay all conversion fees and bank collection fees in curred by the Bank, which amounts will be treated a s 
purchase items). Do not send cash payments. 
6.1: Payment Due Date . The payment due date on your Account will be the same date each month and 
your payment will be due by 5:00 p.m. in the manner  and location specified on your billing statement. 
6.2: Amount of Minimum Payment. If the New Balance is less than $25, the minimum pa yment is the 
full amount of the New Balance. The minimum payment  due each month is 1.5% of the New Balance or 
$25 whichever is greater. You shall make (and the B ank shall have received at the address designated 
on your monthly statement) on or before 5:00 p.m. o n the due date the minimum payment shown on your 
monthly statement (or, at your option, any greater amount up to the Outstanding Balance). Receipt of 
your minimum payment at any address other than that  designated on your monthly statement may create 
a delay in posting the minimum payment to your Card  Account and may thereby result in a late fee and 
additional finance charges. Making only the minimum payment will increase the a mount of interest 
you pay and the time it takes to repay your balance .  
6.3: Application of Payments. The amount of payments credited to your Account dur ing a billing period 
will be applied first to unpaid finance charges, th en to any miscellaneous fees, then to the balance h aving 
the highest APR, and then to each successive balanc e bearing the next higher APR until the payment is 
exhausted. Balances having the same APR will be pai d beginning with the oldest balance first. Payment 
for more than the minimum payment amount (but not m ore than the Outstanding Balance) will be 
accepted as a single payment for that billing perio d; the amount in excess of the minimum payment will  
not be applied toward future payments due. 
6.4: Acceptance of Partial or Nonconforming Payment s. The Bank may accept late payments, partial 
payments or any payment marked with any kind of res trictive endorsement (such as �paid in full� or �in  
settlement�) without giving effect to the restricti ve endorsement and without losing, waiving, or impa iring 
any of the Bank's rights under this Agreement or un der applicable law. 
6.5: Delay of Available Credit:  We credit payments to your account on the day we r eceive them 
however, we reserve the right, based on risk, to de lay the available credit resulting from those payme nts. 
6.6: Prepayment. You may repay all or any portion of the Outstanding  Balance at any time without 
penalty. 
 
7.0: DEFAULT: If the minimum payment is not received at the prope r address on or before the payment 
due date, or if you fail to honor any other obligat ion under this Agreement, or if you die, file for 
bankruptcy, or become insolvent or generally unable  to pay your debts, or if you have furnished false or 
misleading information on the Card Application, or if you are in default under any other obligations y ou 
may owe to the Bank, or if the Bank reasonably beli eves that you are unable or unwilling to honor all of     
 your obligations under this Agreement, the Bank may  declare the Outstanding Balance immediately due 
and payable, may close your Card Account, and recov er the Card. 
 
8.0: ATTORNEYS FEES; COLLECTION EXPENSES; VENUE IN OREGON. You agree to pay our 
reasonable collection expenses, whether or not any court or arbitration proceedings are filed. Collect ion 
expenses include reasonable attorneys fees, the cos t of Bank staff (including in house counsel), and o ut 
of pocket expenses (whether or not such expenses ar e awardable as �court costs�). Unless prohibited by  
law, you agree that we may bring legal action again st you in the State of Oregon, regardless of where you 
reside.  
9.0: FINANCE CHARGES: All cash advances and purchases are subject to inte rest charges from the 
date they are added to your Account until paid. If you pay in full by the payment due date (which is a t 
least 25 days from the monthly statement closing da te), you pay cash advance fees and interest charges  
only on the cash advances added during the billing cycle. The finance charge shown on your monthly 
statement will be the total of cash advance fees an d interest charges. The following finance charges w ill 
apply whether before or after default, judgment, or  the closing of your Card Account. 
9.1: Interest Charges, Periodic Rate and ANNUAL PER CENTAGE RATE (APR): The amount of 
interest charges will be derived by multiplying you r average daily balances by a periodic rate. The 
periodic rate for Visa Platinum is 1.17%  (corresponding APR  is 14.04% ).  The periodic rate is 1/12 th  of the 
APR. 
9.2: Average Daily Balance Method (including curren t transactions): We figure a portion of the 
finance charge on your Account by applying the peri odic rate to the �average daily balances� of your 
Account (including current transactions) for purcha ses and cash advances. To get the �average daily 
balances� we take the beginning balances of your Ac count each day, add any new purchases, advances 
or other charges, and subtract any payments or cred its, and unpaid late fees or finance charges. This 
gives us the daily balances. Then, we add up all th e daily balances for each day in the billing cycle and 
divide the total by the number of days in the billi ng cycle. This gives us the �average daily balance�  for 
purchases and cash advances. If you pay all of the new balance shown on your statement by the 
payment due date, we will exclude that balance and all new charges to the account except cash 
advances from the daily balances. 
9.3: Balance Subject to Finance Charge : The balance subject to finance charge is made up of your 
average daily balances plus your new advances (we w ill not include the amount of the new advances 
more than once in a balance.) 
9.4: Minimum Finance Charge. There is no minimum finance charge. 
9.5:   Military Lending Act (MLA).   The Military Lending Act provides protections for  members of the 
Armed forces and their dependents. 
9.5.1 : Statement of MAPR (Military Annual Percentage Rate) .  Federal law provides important 
protections to members of the Armed forces and thei r depenendents relating to extensions of consumer 
credit.  In general, the cost of consumer credit to  a member of the Armed Forces and his or her 
dependent may not exceed an annual percentage rate of 36 percent.  This rate must include, as 
applicable to the credit transaction or account:  T he costs associated with credit insurance premiums;  
fees for ancillary products sold in connection with  the credit transaction; any application fee charge d 
(other than certain application fees for specified credit transactions or accounts); and any participa tion fee 
charged (other than certain participation fees for a credit card account). 
9.5.2:   Oral Disclosures.   Before accepting this Agreement, in order to hear  important disclosures and 
payment information about this Agreement, you may c ontact us at 1-844-210-3601. 
9.5.3:  Applicability of Dispute Resolution Provision.   The Jury Waiver, Class Action Waiver, and 
Arbitration Agreement in the Dispute Resolution Pro vision set forth in this Agreement do not apply to 
those covered under the MLA.  
 
10.0: CASH ADVANCE FEE: Each new cash advance (including ATM cash advances)  will be assessed 
a fee that is 1% of the amount of each cash advance  and added to the balance of the transaction. 
 
11.0: OTHER FEES AND CHARGES: 
11.1: Annual Fee for Visa Platinum:  A non-refundable $25.00 annual fee for each accoun t you have 
with us will begin on the 12 th  month after your account is opened and charged ann ually thereafter.   
11.2: Late Payment Fee: If the minimum payment shown on your monthly statem ent is not received at 
the proper address by the fifth day following the p ayment due date, there will be a late fee of $10.00  if 
balance is over $100.00 and is past due 5 days.     
 11.3: Returned Payment Fee: If any check or other payment on your Card Account is dishonored or 
must be returned because it cannot be processed, th ere will be a returned payment fee of $20.00.  This  
fee is charged to your account as a purchase item. 
11.4: International Transaction Fee. 1%  of the U.S. dollar amount of the transaction. If y ou incur a 
charge in a foreign currency, the charge will be co nverted into a U.S. Dollar amount by Visa Internati onal. 
Currently, the currency conversion rate used is eit her a wholesale market rate or a government mandate d 
rate in effect one day prior to the date the transa ction is processed by Visa International plus three  
percent (3%) of the U.S. dollar rate. The currency conversion rate in effect on the processing date ma y 
differ from the rate in effect on the transaction d ate or the posting date. This charge is in addition  to the 
Banks usual ATM fee. 
 
12.0: SECURITY INTEREST FOR SECURED ACCOUNTS. If you have a Secured Account, you have 
given the Bank a security interest in a savings acc ount at the Bank to secure payment of your Card 
Account. If you withdraw your funds from the saving s account, the Bank has the right to close your Car d 
Account . 
 
13.0: JOINT ACCOUNT. If your Card Account is in the name of more than on e person, each and every 
such person shall be jointly and severally liable f or the full Outstanding Balance, including without 
limitation any amount in excess of your Credit Limi t. In addition, except as otherwise required by 
applicable law, you agree that all monthly statemen ts and notices regarding your Card Account may be 
sent to any one of you. 
 
14.0: INTERPRETATION; EFFECT: 
14.1: Duration. Except for your right to use the Card and to make c harges to your Card Account (which 
right expires when your Card Account is closed); al l other provisions of the Card Agreement shall rema in 
in full force and effect until your Card Account is  closed and your Outstanding Balance is paid in ful l. 
14.2: Headings. The headings used in this Agreement are for conveni ence only and shall have no 
bearing on the interpretation of this Agreement. 
14.3: Governing Law. THE CARD AGREEMENT SHALL BE GO VERNED BY AND CONSTRUED IN 
ACCORDANCE WITH THE LAWS OF THE UNITED STATES AND O F THE STATE OF OREGON 
REGARDLESS OF WHERE YOU MAY RESIDE OR USE YOUR CARD . 
 
15.0: DISCLOSURES OF INFORMATION: You acknowledge and consent to the release of perso nal data 
about you by the Bank to Visa U.S.A., its Members, or their respective contractors for the purpose of 
providing emergency cash and/or emergency card repl acement services. 
 
16.0: RESTRICTIONS ON USE OF CARD ACCOUNT: Only the individual named on the Card is 
permitted to use the Card for charges, identificati on, or any other reason. 
16.1: No Illegal Purpose. The Card, Card Account or Credit Card Checks shall not be used for any illegal 
purpose. You also agree not to use your Card, Card Account or Credit Card Checks to gamble on the 
Internet or for any transaction that violates appli cable law. We may block or refuse to approve any 
transaction that we believe may violate this provis ion. 
 
17.0: LIABILITY FOR OBLIGATIONS: 
17.1: Your Liability. You shall be liable for the full amounts of your Ou tstanding Balance regardless of 
the purpose whether for business purposes or for pe rsonal, family or household purposes of any of the 
charges made with the Card(s) or Credit Card Checks . Your liability shall also include all charges 
regardless of the purpose made by any person to who m you have given express or implied permission to 
use the Card, Card Account or Credit Card Checks or  has voluntarily provided the Card or Card number.  
17.2: User�s Liability. In addition to and not in lieu of your liability as  set forth above, each User shall be 
jointly, and severally liable with you for all amou nts resulting from: (a) all charges made by User fo r 
personal, family, or household purposes; and (b) al l charges made by any person to whom that User has 
given express or implied permission to use the Card  or Card Account or has voluntarily provided the Ca rd 
or the Card number, regardless of the purpose of an y such change. 
 
18.0: LIABILITY FOR UNAUTHORIZED USE: If your Card or Card Account number are lost or sto len, or 
if you think that someone used or may use them with out permission, you agree to notify the Bank 
immediately by calling 503-548-1000. You may need t o provide the Bank with certain information in     
 writing to help the Bank determine what happened. Y ou are not liable for loss, theft, or unauthorized use 
of your Card, Card Account, or Credit Card Check if  you notify the Bank of any fraudulent transactions . 
18.1: Liability for Unauthorized Transactions:  You are not liable for unauthorized use of your ca rd if 
you notify the Bank within 2 business days. In any case, your liability will not exceed $50. 
 
19.0: REFUSAL OF THE CARD: The Bank will not be responsible or liable in any m anner for any of the 
following or for any claim of whatever nature (incl uding without limitation any claim for incidental o r 
consequential damages) arising from or related to a ny of the following: the refusal or delay of any ot her 
financial institution, any merchant, or any person to honor the Card, your Card Account, or any Credit  
Card Check; any goods or services obtained with the  Card and charged to your Card Account (except as 
and only to the extent provided in �Billing Rights Summary� notice at the end of this Agreement); any 
unsuccessful attempt to obtain prior credit authori zation for any transaction when the authorization 
system is not working, or any unsuccessful attempt to use the Card in an ATM when the ATM or ATM 
network is not working or is temporarily closed or out of order. 
 
20.0: FINANCIAL AND CREDIT INFORMATION: 
20.1: Financial Statements. The Bank may need updated financial information fro m you at some time in 
the future. If the Bank asks, you agree to furnish a current financial statement or to update the Card  
Application. 
20.2: Credit Reports. You hereby authorize the Bank to make whatever cred it inquiries or investigations 
about you that the Bank deems appropriate and to di sclose to others credit information about your Card  
Account and your performance under this Agreement. The Bank may ask credit bureaus for reports of 
your credit history; at your request, the Bank will  tell you whether or not the Bank has requested suc h 
reports and will tell you the names and addresses o f the credit bureaus furnishing the reports. 
20.3: Negative Credit Reporting. You are hereby notified that we may report informat ion about your 
account to credit bureaus. Late payments, missed pa yments, or other defaults on your account may be 
reflected in your credit report. 
20.4: Notify us of inaccurate information we report  to credit bureaus. Please notify us if we report 
any inaccurate information about your account(s) to  a credit bureau. Your written notice describing th e 
specific inaccuracy should be sent to us at the fol lowing address:  Zions Bancorporation, N.A. dba The 
Commerce Bank of Oregon, 1211 SW 5 th  Ave., Ste 1250, Portland, OR 97204  
21.0: CHANGE OF NAME OR ADDRESS. You agree to promptly notify us in writing if you c hange your 
name, home address, or mailing address. Until you n otify us of updated information, we can send 
statements, notices and other communications to the  name and address in our records, and they will be 
deemed effectively delivered for all purposes. If y our mailing address appears to no longer be valid ( e.g., 
mail is returned undelivered), you agree that we ca n suspend mailing your statements, notices, and oth er 
communications until a valid address is received fr om you.  
22.0: TERMINATION: You may close your Card Account at any time by noti fying the Bank in writing. The 
Bank may close your Card Account at any time withou t cause and without notice except we may have to 
give you notice if you are not in default. In the e vent of default (which includes missing any payment s or 
breaking any of your Agreements with us, failing to  pay other charges when due, exceeding the credit 
limit of the Account, the death, insolvency or bank ruptcy of you or any joint cardholder, the seizure of any 
of your assets or income, or that of a joint cardho lder, and our good faith belief that the prospect o f 
payment is in jeopardy), we may without notice, ter minate the Account, demand possession of all Cards,  
and declare the entire balance due and payable. Whe n your Card Account is closed (whether by you or 
the Bank); your right to use the Card and to make c harges to the Card Account will be automatically 
revoked. Termination does not excuse your obligatio n to pay us.  
 
23.0: BILLING RIGHTS SUMMARY: This notice contains important information about yo ur rights and the 
Bank's responsibilities under the Fair Credit Billi ng Act. 
23.1: Notify Us in Case of Errors or Questions Abou t Your Bill. If you think your bill is wrong, or if you 
need more information about a transaction on your b ill, write us in a separate letter at the address 
indicated in the Billing Rights Summary on your Sta tement. Write us as soon as possible. We must hear 
from you no later than 60 days after we sent you th e first bill on which the error or problem appeared . You 
can telephone us, but doing so will not preserve yo ur rights. In your letter, include the following 
information: 
� Your name and account number. 
� The date and dollar amount of the suspected error.      
 � Describe the error, and explain if you can, why yo u believe there is an error. If you need more 
information, describe the item you are not sure abo ut. 
You must contact us at least three business days be fore an automated payment is scheduled, if you want  
to stop payment on the amount you think is wrong. 
23.2: Your Rights and Our Responsibilities After We  Receive Your Written Notice. We must 
acknowledge your letter within 30 days, unless we c orrected the error by then. Within 90 days, we must  
either correct the error or explain why we believe the bill was correct.  
 
After we receive your letter, we cannot try to coll ect any amount you question, or report you as 
delinquent. We can continue to bill you for the amo unt you question, including finance charges, and we  
can apply any unpaid amount against your credit lim it. You do not have to pay any questioned amount 
while we are investigating, but you are still oblig ated to pay the parts of your bill that are not in question.  
If we find that we made a mistake on your bill you will not have to pay the amount in question or any 
finance charges related to any questioned amount. I f we didn�t make a mistake, you may have to pay the  
amount in question or finance charges, and you will  have to make any missed payments on the 
questioned amount. In either case, we will send you  a statement of the amount you owe and the date tha t 
it is due.  
 
If you fail to pay the amount that we think you owe , we may report you as delinquent. However, if our 
explanation does not satisfy you and you write to u s within ten (10) days telling us that you still re fuse to 
pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you 
the name of anyone we reported you to. We must tell  anyone we report you to that the matter has been 
settled between us when it finally is. If we don�t follow these rules, we can�t collect the first $50 of the 
questioned amount, even if your bill was correct.   
23.3: Special Rule for Credit Card Purchases: If you have a problem with the quality of property or 
services that you purchased with the Card and you h ave tried in good faith to correct the problem with  the 
merchant, you may have the right not to pay the rem aining amount due on the property or services. Ther e 
are two limitations on this right:  
(1) You must have made the purchase in your home st ate or, if not within your home state, within 100 
miles of your current mailing address; and  
(2) The purchase price must have been more than $50 .  
These limitations do not apply if the Bank owns or operates the merchant, or if the Bank mailed you th e 
advertisement for the property or services. 
 
24.0: DISPUTE RESOLUTION PROVISION. This Dispute Re solution Provision contains a jury 
waiver, a class action waiver, and an arbitration a greement (or judicial reference agreement, as 
applicable), set out in four Sections. READ IT CARE FULLY.   The Jury waiver, class action waiver, 
and arbitration agreement in this Dispute Resolutio n provision do not apply to you if, as of the date of this 
agreement, you are a member of the Armed Forces or a dependent of such member entitled to protection 
under the Federal Military Lending Act. 
 
SECTION 1: GENERAL PROVISIONS GOVERNING ALL DISPUTE S: 
24.1.1: PRIOR DISPUTE RESOLUTION AGREEMENTS SUPERSE DED. This Dispute Resolution 
Provision shall supersede and replace any prior �Ju ry Waiver,� �Judicial Reference,� �Class 
Action Waiver,� �Arbitration,� �Dispute Resolution, � or similar alternative dispute agreement or 
provision between or among the parties. 
 
24.1.2: �DISPUTE� DEFINED. As used herein, the word �Dispute� includes, withou t limitation, any claim 
by either party against the other party related to this Agreement, your Card or Account. In addition, 
�Dispute� also includes any claim by either party a gainst the other party regarding any other 
agreement or business relationship between any of t hem, whether or not related to the Loan or 
other subject matter of this Agreement.  �Dispute� includes, but is not limited to, matters  arising from or 
relating to a deposit account, an application for o r denial of credit, warranties and representations made 
by a party, the adequacy of a party�s disclosures, enforcement of any and all of the obligations a par ty 
hereto may have to another party, compliance with a pplicable laws and/or regulations, performance or 
services provided under any agreement by a party, i ncluding without limitation disputes based on or 
arising from any alleged tort or matters involving the employees, officers, agents, affiliates, or ass igns of a 
party hereto.   
     
 If a third party is a party to a Dispute (such as a  credit reporting agency, merchant accepting a cred it card, 
junior lienholder or title company), each party her eto agrees to consent to including that third party  in any 
arbitration or judicial reference proceeding for re solving the Dispute with that third party. 
 
24.1.3: JURY WAIVER. Each party waives its, his or her respective rights to a trial before a jury in 
connection with any Dispute.  All Disputes shall be decided by a judge sitting w ithout a jury, unless 
submitted to binding arbitration pursuant to Sectio n 2 or judicial reference pursuant to Section 3. 
 
This Agreement includes an arbitration agreement, w hich will have a substantial effect on your rights in 
the event of a dispute with us.  For example, if we  elect to require you to arbitrate any claim, you w ill not 
have the right to a jury trial or the right to part icipate in a class action in court of in arbitratio n.  However, 
the arbitration agreement does not apply if, as of the date of this agreement, you are a member of the  
armed forces or a dependent of such member covered by the Federal Military Lending Act.  Please see 
the section of this agreement labeled �Military Len ding Act.� 
 
In any lawsuit regarding a Dispute (a �Lawsuit�), f ollowing the service of a complaint, third-party 
complaint, cross-claim or counterclaim or any answe r thereto, any amendment to any of the above, or a 
ruling or entry of an order that has the effect of invalidating jury trial waiver (any of the foregoin g, an �ADR 
Event�), then at any time prior to trial of the Dispute, but not later than 30 days after the ADR Event , 
any party shall be entitled to move the court for a n order, as applicable: (A) compelling arbitration and 
staying or dismissing the Lawsuit pending arbitrati on (�Arbitration Order�) under Section 2 hereof, or  (B) 
staying the Lawsuit and compelling judicial referen ce under Section 3 hereof.  Each party agrees that a 
party that commenced or participated in the Lawsuit  may demand arbitration of a Dispute after an ADR 
Event, and that the commencement or participation i n the Lawsuit shall not operate as a waiver of the 
right to compel arbitration. After entry of an Arbi tration Order, the non-moving party shall commence 
arbitration. The moving party shall, at its discret ion, also be entitled to commence arbitration but i s under 
no obligation to do so, and the moving party shall not in any way be adversely prejudiced by electing not 
to commence arbitration. 
 
24.1.4: CLASS ACTION WAIVER. If permitted by applicable law,  each party waives the right to litigate 
any Dispute as a class action (either as a member o f a class or as a representative) or to act as a 
private attorney general. The waiver in this paragr aph applies whether the proceeding is in a 
court, in an arbitration, or in a judicial referenc e proceeding.  
 
24.1.5: SURVIVAL: This Dispute Resolution Provision shall survive any  termination, amendment, or 
expiration of this Agreement, or any other relation ship between the parties.   
 
SECTION 2: AGREEMENT TO SUBMIT TO BINDING ARBITRATI ON (EXCEPT CALIFORNIA). This 
Section 2 is an agreement to submit to binding arbi tration of any Dispute between the parties.  
This Section 2 shall not, however, apply to any Dis pute pending in a state or federal court located in  the 
State of California, except to the extent such Disp ute may also be pending in a state or federal court  
located outside of California. 
 
Each party agrees that it, he or she shall have the  right, but no obligation, to require any Dispute b etween 
the parties be resolved by arbitration. An arbitrat or shall have no authority to determine matters (i)  
regarding the validity, enforceability, meaning, or  scope of this Dispute Resolution Provision, or (ii ) class 
action claims brought by either party as a class re presentative on behalf of others and claims by a cl ass 
representative on either party�s behalf as a class member, which matters may be determined only by a 
court without a jury. BY AGREEING TO RESOLVE FUTURE DISPUTES IN ARBITRATI ON, THE 
PARTIES ARE WAIVING THEIR RIGHT TO LITIGATE IN COUR T.  
 
Arbitration under this provision shall be conducted  before a single arbitrator through either the Nati onal 
Arbitration Forum (�NAF�) or Judicial Arbitration a nd Mediation Service, Inc. (JAMS), as selected by t he 
initiating party, in accordance with the rules of N AF or JAMS (the �Administrator�). However, if the p arties 
agree, a licensed attorney may be selected by the p arties to conduct the arbitration without an 
Administrator. If NAF and JAMS both decline to admi nister arbitration of the Dispute, and if the parti es are 
unable to mutually agree upon a licensed attorney t o act as arbitrator without an Administrator, then either 
party may file a Lawsuit and move for an Arbitratio n Order. The arbitrator, howsoever appointed, shall  
have expertise in the subject matter of the Dispute . Venue for the arbitration proceeding shall be as     
 stated elsewhere in this Agreement with respect to any judicial proceedings between the parties. Absen t 
such a provision, the arbitration shall be conducte d at a location determined by mutual agreement of t he 
parties or by the Administrator if no agreement can  be reached. The arbitrator shall apply the law of the 
state specified in the agreement giving rise to the  Dispute. 
 
In any arbitration commenced by a consumer regardin g a consumer Dispute, Lender or Bank shall pay 
one half of the Administrator's initial filing fee,  up to $500. If Lender or Bank commences arbitratio n or is 
the moving party obtaining an Arbitration Order, Le nder or Bank shall pay all Administrator and arbitr ator 
fees, regardless of whether or not the consumer is the prevailing party in such arbitration, unless su ch 
Dispute involves a claim for damages by a consumer and is found by the arbitrator to be frivolous. For  
this paragraph, �consumer Dispute� shall mean a Dis pute involving credit or services provided by Lende r 
or Bank, primarily for personal, family or househol d purposes, in which the claim for damages is less than 
$75,000.  
 
The Administrator and the arbitrator shall have the  authority, to the extent practicable, to take any 
reasonable action to require the arbitration procee ding to be completed within 180 days of commencing 
the arbitration. The arbitrator: (i) will render a decision and any award applying applicable law; (ii ) will hear 
and rule on appropriate dispositive motions for jud gment on the pleadings, for failure to state a clai m, or 
for full or partial summary judgment; (iii) will gi ve effect to any statutory or contractual limitatio ns period 
(e.g ., any statute of limitations) in determining any D ispute or defense; (iv) shall have the authority to  
impose sanctions on any party that fails to comply with time periods imposed by the Administrator or t he 
arbitrator, including, without limitation, the sanc tion of entering a final award against the party th at fails to 
comply; (v) shall have authority to award costs and  fees (including attorneys' fees and costs, arbitra tion 
administration fees and costs, and arbitrator(s)' f ees) to the extent permitted by law; (vi) shall rec ognize 
and honor claims of privilege recognized at law; an d (vii) with regard to motions and the arbitration 
hearing, shall apply the Federal Rules of Evidence.  The doctrines of compulsory counterclaim, res 
judicata, and collateral estoppel shall apply to an y arbitration proceeding hereunder. 
 
Commencement of an arbitration by any party shall n ot prevent any party from at any time (i) seeking a nd 
obtaining from a court of competent jurisdiction (n otwithstanding ongoing arbitration) provisional or 
ancillary remedies including but not limited to inj unctive relief, temporary restraining orders, prope rty 
preservation orders, foreclosure, sequestration, ev iction, attachment, replevin, garnishment, and/or t he 
appointment of a receiver; or (ii) availing itself of any self-help remedies such as setoff and reposs ession 
rights or non-judicial foreclosure of collateral. T he exercise of such rights shall not constitute a w aiver of 
the right to submit any Dispute to arbitration. 
 
Judgment upon an arbitration award may be entered i n any court having jurisdiction except that, if the  
arbitration award exceeds $200,000, any party shall  be entitled to a de novo appeal of the award befor e a 
panel of three arbitrators. To allow for such appea l, if the award (including Administrator, arbitrato r, and 
attorney�s fees and costs) exceeds $200,000, the ar bitrator will issue a written, reasoned decision 
supporting the award, including a statement of auth ority and its application to the Dispute. A request  for 
de novo appeal must be filed with the arbitrator wi thin 30 days following the date of the arbitration award; 
if such a request is not made within that time peri od, the arbitration award shall become final and bi nding.  
On appeal, the arbitrators shall review the award d e novo, meaning that they shall reach their own 
findings of fact and conclusions of law rather than  deferring in any manner to the original arbitrator .  
Appeal of an arbitration award shall be pursuant to  the rules of the Administrator; if the Administrat or has 
no such rules, then the JAMS arbitration appellate rules shall apply.  
 
To request information on how to submit an arbitrat ion claim, or to request a copy of an Administrator �s 
rules or fee schedule, please contact the Administr ators as follows: JAMS: 1920 Main St., Suite 300, 
Irvine, CA 92614, Phone: (949) 224-1810, Fax: (949)  224-1818, E-mail: info@jamsadr.com, Website: 
www.jamsadr.com; NAF: National Arbitration Forum, P .O. Box 50191, Minneapolis, MN 55405-0191, 
Phone (800) 474-2371, E-Mail: info@adrforum.com, We bsite: www.adrforum.com. 
 
Arbitration under this provision concerns a transac tion involving interstate commerce and shall be 
governed by the Federal Arbitration Act, 9 U.S.C. �  1 et seq.  If the terms of this Section 2 vary fro m the 
Administrator�s rules, this Section 2 shall control .   
     
 SECTION 3: JUDICIAL REFERENCE (CALIFORNIA ONLY). If a Dispute between the parties hereto is 
filed in a state or federal court located in the St ate of California, each party shall have the right,  but not 
the obligation, to require that it be resolved by j udicial reference in accordance with California Cod e of 
Civil Procedure, Sections 638, et seq.. BY AGREEING TO RESOLVE DISPUTES BY JUDICIAL 
REFERENCE, EACH PARTY IS GIVING UP ANY RIGHT THAT P ARTY MAY HAVE TO A JURY 
TRIAL. The referee shall be a retired judge, agreed upon b y the parties, from either the American 
Arbitration Association (AAA) or Judicial Arbitrati on and Mediation Service, Inc. (JAMS). If the parti es 
cannot agree on the referee, the party who initiall y selected the reference procedure shall request a panel 
of ten retired judges from either AAA or JAMS, and the court shall select the referee from that panel.  If 
AAA and JAMS are unavailable to provide this servic e, the court may select a referee by such other 
procedures as are used by that court. The referee s hall be appointed to sit with all of the powers pro vided 
by law, including the power to hear and determine a ny or all of the issues in the proceeding, whether of 
fact or of law, and to report a statement of decisi on. Only for this Section 3, �Dispute� includes mat ters 
regarding the validity, enforceability, meaning, or  scope of this Section, and class action claims bro ught 
by either party as a class representative on behalf  of others and claims by a class representative on 
either party�s behalf as a class member. The partie s agree that time is of the essence in conducting t he 
judicial reference proceeding set forth herein. Exc ept as otherwise provided in this paragraph, the co sts of 
the judicial reference proceeding, including the fe e for the court reporter, shall be borne equally by  the 
parties as the costs are incurred, unless otherwise  awarded by the referee. If Lender or Bank commence s 
a judicial reference proceeding regarding a consume r Dispute, Lender or Bank shall pay all referee fee s, 
regardless of whether or not the consumer is the pr evailing party in such proceeding, unless such Disp ute 
involves a claim for damages by a consumer and is f ound by the referee to be frivolous.  For purposes of 
this paragraph, �consumer Dispute� shall mean a Dis pute involving credit or services provided by Lende r 
or Bank, primarily for personal, family or househol d purposes, in which the claim for damages is less than 
$75,000. The referee shall hear all pre-trial and p ost-trial matters (including without limitation req uests for 
equitable relief), prepare a statement of decision with written findings of fact and conclusions of la w and 
apportion costs as appropriate. The referee shall b e empowered to enter equitable relief as well as le gal 
relief, provide all temporary or provisional remedi es, enter equitable orders that are binding on the parties 
and rule on any motion that would be authorized in a trial, including without limitation motions for 
summary adjudication. Judgment upon the award shall  be entered in the court in which such proceeding 
was commenced and all parties shall have full right s of appeal. This provision will not be deemed to l imit 
or constrain Lender�s or Bank�s right of offset, to  obtain provisional or ancillary remedies, to inter plead 
funds in the event of a dispute, to exercise any se curity interest or lien Bank or Lender may hold in 
property, or to comply with legal process involving  accounts or other property held by Bank or Lender.  
Nothing herein shall preclude a party from moving ( prior to the court ordering judicial reference) to 
dismiss, stay or transfer the suit to a forum outsi de California on grounds that California is an impr oper, 
inconvenient or less suitable venue. If such motion  is granted, this Section 3 shall not apply to any 
proceedings in the new forum. 
 
This Section 3 may be invoked only with regard to D isputes filed in state or federal courts located in  the 
State of California. In no event shall the provisio ns in this Section 3 diminish the force or effect o f any 
venue selection or jurisdiction provision in this A greement or any Related Document.  
 
SECTION 4: RELIANCE. Each party (i) certifies that no one has represente d to such party that the other 
party would not seek to enforce a jury waiver, clas s action waiver, arbitration provision or judicial 
reference provision in the event of suit, and (ii) acknowledges that it and the other party have been 
induced to enter into this Agreement by, among othe r things, material reliance upon the mutual waivers , 
agreements, and certifications in the four Sections  of this DISPUTE RESOLUTION PROVISION. 
 
 
880-0454 Rev 10/2018      Zions Bancorporation, N.A . Member FDIC, Equal 
Housing Lender