This Agreement is for your Account with Commerce Bank, and the Card(s) which has/have been given to you in connection with yo ur 
Account.  Such Account and Card(s) provide you with credit card services and ATM Services.  “You” and “your” mean any applicant for the 
Account and any person using the Account and/or related Card(s) with the expressed or implied permission of any of the applic ants.  Any 
person whose name appears on the Account for the Card(s) accompanying this Agreement consents, either by using or permitting another 
to use the Card(s), to all provisions of this Agreement and the related Security Agreement and Assignment of Secured Credit Card Savings 
Account and Deposit Account Agreement.  “We”, “us” and “our” means Commerce Bank, our successors and assigns.   

In this Agreement: 
Account is your credit card account. 
Annual Fee is a fee charged on a yearly basis for your continued use of the Account. 
APR is Annual Percentage Rate. 
ATM is Automated Teller Machine. 
Business Days are Monday through Friday.  Federal holidays are not included. 
Card is the credit card(s) given to you in connection with your Account. 
Cash Advance includes: 

• Non-Overdraft Cash Advance – advance made by means of an electronic device or machine, or a financial institution teller, or for 
the purchase of wire transfers, non-U.S. currency, travelers’ checks, money orders, lottery tickets and casino gaming chips. 
• Overdraft Cash Advance – advance made by means of overdraft protection. 
• Balance Transfer – advance made when transferring a balance from another creditor to your Account. 
• Convenience Check – check used to make a Cash Advance on your Account, which we may offer from time to time. 
• Charges related to Non-Overdraft Cash Advances, Overdraft Cash Advances, Balance Transfer and Convenience Checks. 

Charges are costs imposed as part of this Agreement and include both interest and fees.   
Daily Balance is determined, for each day in the billing cycle, by taking the beginning balance, adding any new transactions or other 
debits, and subtracting any payments or other credits. 
Daily Periodic Rate is the APR divided by 365. 
Fees are non- interest Charges, including transaction fees.  
Grace Period means the period of time during a billing cycle when you will not accrue Interest Charges on certain transactions or 
balances. 
Interest Charges are the portion of Charges attributed to periodic interest rates. 
Participation Fee is a fee charged for added service or functionality on your Account. 
PIN is Personal Identification Number. 
Prime Rate is the U.S. Prime Rate published in The Wall Street Journal in its column called “Money Rates” on the last Business Day of 
each month. 
Obligations are any and all amounts owed under this Agreement including, but not limited to, Purchases, Cash Advances and Charges. 
Promotional Balance is the balance subject to the Promotional Rate.  Balances subject to Introductory Rates are included. 
Promotional Rate is a rate other than the standard rate, tied to a special offering.  A Promotional Rate offered when you open your 
Account may be called an Introductory Rate. 
Purchase means purchase of merchandise or services on the Account plus Charges, but does not include any type of Cash Advance or 
Cash Advance Interest Charges. 
Secured Credit Card Savings Account (“Pledged Account”) is a  deposit account that serves as collateral for your Obligations.   
Statement is your billing statement. 

CREDIT CARD SERVICES 
The following provisions relate only to credit card services except as otherwise applicable. 

ACCOUNT DESCRIPTION 
At Account opening, we will grant you a line of credit with a minimum dollar limit of $400, and a maximum dollar limit of $5,000 equal to 
the amount you deposit into your Pledged Account. If your account is in good standing, you may subsequently increase the credit limit by 
depositing additional funds in increments of $100 dollars to the Pledged Account up to the $5000 maximum.  Accrued interest o n the 
Pledged Account will be included in meeting the $100 increment.  Larger deposits and credit limits in excess of $5000 are at our sole 
discretion.   This limit will be indicated on your Statement.   You may not decrease your credit limit by withdrawing funds from the Pledged 
Account.   

 Subject to the terms of this Agreement, you may use your Account to make Purchases and obtain Cash Advances, including Balance 
Transfers and Convenience Checks that do not exceed your credit limit at any time.  Should your Purchases, and/or Cash Advanc es ever 
exceed your credit limit, we reserve the right to terminate this Agreement and demand the return of your Card(s).  We can increase or 
decrease your credit limit at any time without prior notice or liability.  A change to your credit limit will not affect your obligation to pay us. 

We may decline, at any time in our sole discretion, an authorization request for any transaction for any reason, included but not limited to:                                              

•   operational considerations, 
•  your Account is in default, 
•   we suspect fraudulent or unlawful activity 

We are not responsible for any losses or damages, including consequential damages, if a transaction on your Account is declined, either by 
us or a third party, even if you have sufficient credit available. 

PROMISE TO PAY 
 You promise to pay for all Purchases and Cash Advances, including Balance Transfers and Convenience Checks, made by you through the 
use of the Account.  In addition, you promise to pay all other amounts owed due to use of the Account by anyone else you authorize to 
use the Account until such person’s authority is ended.  You may only end such person’s authority by notifying us in writing and returning 
to us any Card such person may have.  All of you are responsible, both together and individually, for the entire Account balance even 
though only one of you uses the Account. 

SECURED CREDIT CARD SAVINGS ACCOUNT 
 You are required to open a Pledged Account which will serve as security for your Obligations and execute a Security Agreement and 
Assignment of Secured Credit Card Savings Account. The owners of this Account and the Pledged Account must be the same.  The 
issuance of your Card or increase of your credit limit may be delayed for a reasonable period of time, following the deposit of funds to the 
Pledged Account.   

Collateral securing other loans with us may also secure this indebtedness. 

BILLING STATEMENTS 
Approximately once a month, you will receive a Statement.  On average, your payment is due within 25 days from the date of the 
Statement (payment due date). 

 
 
 
 
 
 
 
 
 
 
 
PAYMENT OPTIONS 
You may pay the new balance shown on your Statement each month or you may pay in monthly installments.  If you decide to pay in 
monthly installments, you must pay at least the minimum payment on your Statement.  The minimum payment will be the greater of: 

 
 
 

$30.00 or the full amount of your total balance if it is less than $30.00; or 
3.00% of your new balance plus any amounts that are past due; or 
1.00% of your new balance plus any amounts that are past due, plus Fees (excluding Balance Transfer and/or Convenience Check 
Fees) and Interest Charges accumulated during the billing period. 

When a payment is posted to your Account, we reserve the right to restrict or delay all or part of the available credit created by the 
payment.  The restriction or delay of the available credit is for risk management or other related purposes, including but not limited to 
protection against actual or potential fraudulent activities or unauthorized transactions.  

OVERDRAFT PROTECTION 
If you select overdraft protection, a Cash Advance will be made to cover an overdraft in your designated Commerce Bank deposit account.  
Such Overdraft Cash Advances will be in the amount of $50.00 or multiples of $50.00.  If the designated deposit account is a joint account, 
you will be liable for all overdrafts on the account regardless of which joint account owner caused, or benefited from the overdraft.  Each 
Overdraft Cash Advance is at our discretion.  We are not liable or responsible for any check drawn that may for any reason be returned or 
otherwise dishonored.  We may cancel this overdraft feature at any time without notice. 

BALANCE ON WHICH INTEREST CHARGE IS CALCULATED 
If you accrue any Interest Charge on your Account at a variable rate, that rate will be calculated by adding a margin to the Prime Rate.  
Please see the ACCOUNT OPENING DISCLOSURE, which is part of this Agreement, for specific information regarding the 
APRs used to compute your Interest Charges. 

We calculate your Daily Balance for each day in the billing cycle by taking your beginning balance, adding any new transactions or other 
debits, and subtracting any payments or 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 your Daily Balance to get the beginning balance for the next day.  We do this for 
all days on which you have a balance owing on the Account, disregarding any credit balance, for the billing cycle. 

We add all the daily Interest Charges and round the sum to the next highest cent to get your total Interest Charges for that billing cycle.  
We do this calculation separately for each type of balance. 

The Prime Rate used to determine the APR on your Account is the U.S. Prime Rate published in The Wall Street Journal in its column called 
“Money Rates” on the last Business Day of each month.  Although each Daily Periodic Rate is determined by an index published prior to 
the first day of each calendar month, the respective Daily Periodic Rate will only become effective and charged as of the first day of the 
monthly billing period following the respective calendar month in which the index is so published.  No representation is made that the U.S. 
Prime Rate is the lowest, the best or the favored rate of interest.  If for any reason The Wall Street Journal no longer publishes the "Money 
Rates" column, then we will choose a new index based on comparable information.  An increase in the Prime Rate will cause your interest 
rate to increase and may cause your minimum monthly payment to increase. 

INTEREST CHARGE COMPUTATION 
  ON PURCHASES:  Interest Charges on Purchases begin to accrue on the transaction date, provided such date will never be later 

than the date the Purchase is posted to the Account or earlier than the first day of the billing cycle for the Statement on which such 
transaction is shown.  Purchases are subject to a Grace Period.  If the previous balance is zero, or was paid in full by the payment due 
date shown on your Statement, no Interest Charge will be assessed on current Purchases. 

  ON CASH ADVANCES:  Interest Charges begin to accrue on the date of the Cash Advance, provided such date will never be later 
than the date the Cash Advance is posted to the Account or earlier than the first day of the billing cycle for the Statement on which 
such advance is shown.   

TOTAL INTEREST CHARGE COMPUTATION 
We add Interest Charges for each type of balance to obtain your total Interest Charge for each billing cycle.   

TERMINATION OF INTRODUCTORY OR PROMOTIONAL RATES 
If during an Introductory or Promotional Rate period, we have not received the required minimum monthly payment within 60 days of the 
respective payment due date, we will increase the applicable APR to the Penalty APR.  Introductory and/or Promotional Rates w ill not be 
reinstated. 

FEES 

TRANSACTION, ANNUAL AND PENALTY FEES:   

Please see the ACCOUNT OPENING DISCLOSURE for information regarding the specific Fees that may be charged to your Account. 

Minimum Interest Charge 
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 Fee. 

Annual Fee 
An Annual Fee will be charged annually to your Account.   
The imposition or payment of an Annual Fee does not affect or limit our right to terminate this Agreement, cancel your Account, and 
demand payment, in a manner permitted by law, of any amounts owed on your Account. 

Late Payment Fee 
For each minimum payment not received by the fifteenth day following the payment due date, we may charge a Late Payment Fee.   

Foreign Transactions 

Visa and MasterCard Purchases, cash withdrawals and Cash Advances made in currencies other than U.S. Dollars will be converted to U.S. 
Dollars under regulations established by VISA® International and MasterCard® International.  Visa conversion will be at a rate selected by 
Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the 
rate Visa itself receives or the government-mandated rate in effect for the applicable central processing date.  MasterCard conversion will 
be at a rate selected by MasterCard, typically either a government-mandated rate or a wholesale rate provided to MasterCard.  Conversion 
to U.S. dollars may occur on a date other than the date of the transaction.  Therefore, the conversion rate may be different from the rate 

 
  
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
in effect at the time of the transaction.  You agree to pay the converted amount plus the applicable foreign transaction fee.  For Purchases, 
cash withdrawals, and Cash Advances made in U.S. dollars outside of the United States and its territories, you agree to pay the transaction 
amount, plus the applicable foreign transaction fee. 

Balance Transfer Or Convenience Check Transaction Fee 
You will not be charged a Transaction Fee, with a minimum and no maximum, for each Balance Transfer and/or Convenience Check posted 
to your Account. 

Non Overdraft Cash Advance Transaction Fee 
You will not be charged a Transaction Fee, with a minimum and no maximum, for each Cash Advance posted to your Account. 

Overdraft Cash Advance Transaction Fee 
You will not be charged a Transaction Fee for each Cash Advance resulting from the overdraft protection. 

Overlimit Fee 
In the event your balance exceeds your credit limit, no Fee will be charged.  

OTHER FEES: 

Returned Payment Fee 
A Fee will be charged for any check or other form of payment sent to us which is returned unpaid. 

Convenience Checks and Document Copy Charges 
Charges for Convenience Checks and requests for copies of sales drafts, Statements or other documents related to your Account may be 
billed on your Account as Purchases in accordance with the fee schedule 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 transaction. 

TOTAL FEE COMPUTATION 
We add all Fees assessed to obtain your total Fees for each billing cycle (excluding Balance Transfer and/or Convenience Check Fees).  We 
will assess Balance Transfer Fees and/or Convenience Check Fees to your Account in the same balance category to which the transaction is 
posted.   

CANCELLATION 
To the extent permitted by law, Commerce Bank may cancel your Account, refuse to allow further transactions against your Acco unt or 
revoke your Card(s) at any time (whether or not you are in default of any part of this Agreement) including, without limitation, when any 
affiliation you may have with a sponsoring organization ceases or when any agreement we may have with the sponsoring organization is 
terminated.  Cancellation of your Account will not affect your liability to us for credit we have extended to you, including amounts not yet 
billed to your Account.  We may cancel your Account without prior notice or liability.  You must surrender the Card(s), either upon a direct 
request by us, or any other bank or merchant who is acting upon our instructions. 

CONDITIONS OF DEFAULT 
We may consider you to be in default if we do not receive a required payment when due , including the minimum payment by the date 
shown on your Statement; you fail to comply with the terms of this Agreement; you make any false or misleading statements or omissions 
on your application; you file a bankruptcy petition or have one filed against you; we obtain information that causes us to believe that you 
may be unwilling or unable to pay your debts to us or to others on time including, but not limited to, your failure to make any payment to 
us on any other indebtedness or loan; you are declared incompetent by a court or a court appoints a guardian/ conservator for you or your 
assets; you die. 

If we consider your Account to be in default, we may close your Account without notice, require you to pay the balance in a manner 
permitted by law and/or exercise our rights under the Security Agreement and Assignment of Secured Credit Card Savings Account 
(subject to applicable law regarding notice or right to cure).  To the extent permitted by law, if you are in default you wil l pay our 
collections costs, attorneys’ fees, court costs, and all other expenses of enforcing our rights under this Agreement. 

ALLOCATION OF PAYMENTS 
We will allocate your minimum payment in the manner we determine.  We will apply the amount in excess of the minimum payment to 
balances with higher APRs before balances with lower APRs. 

RECEIPT OF PAYMENTS 
Payments received before 5 PM CT at the address shown on your Statement on any of our regular Business Days will be posted as of the 
date of receipt.  Payments made in person before the close of business to an employee at a Commerce branch will be posted as of date of 
receipt.  Payments mailed to the address shown or made in person at a branch must be accompanied by the Account number or payment 
stub, and in the form of a check or money order in U. S. Dollars drawn on a U. S. financial institution.  Convenience Checks will not be 
accepted as a form of payment.  Do not send cash through the mail. A delay in crediting the payment to your Account may occur if the 
payment does not meet these requirements for making payments (conforming payments). In no case shall such delay exceed five days 
from receipt of such payment. 

The  cutoff  time  for payments  made  on  any  of our  regular  Business  Days  through  Commerce  as  transfers  from  your  Commerce  deposit 
account  are  as  follows:   Commerce  ATM,  7:00  PM  CT;  Commerce  Online  Banking,  including  Mobile  Banking,  7:00  PM  CT;  Commerce 
Account Information Line, 7:00 PM CT; Commerce BankCards Online, 11:00 PM CT; Commerce Collections Department, 11:00 PM CT. A 
payment made through Commerce Online Bill Pay will be posted on the Pay Date. 

Conforming payments received after the respective cutoff time will be posted no later than the next Business Day.   Payments made by a 
third-party payor, will be posted as of the date we receive the payment. 

When the due date falls on a weekend or holiday, your payment due date will be on the next Business Day. 

We may accept late payments, partial payments or checks and money orders (or accompanying written communication) containing a 
statement to the effect that the instrument was tendered as "payment in full," full satisfaction of a disputed claim or other similar language 
without losing any rights under this Agreement or under the law.  All such payments or written communications must be mailed to:  
Commerce Bank, P.O. Box 410857, Kansas City, MO 64141-1857. 

CHANGE OF TERMS 
Provided the Account is meeting the terms of this Agreement:  (1) We will not increase an Introductory APR during any Introductory Rate 
period; and (2) We will not increase any APR, Annual Fee or minimum Interest Charge for 12 months following account opening, except 
for increases due to the expiration of an Introductory or Promotional Rate period, if any;  changes in the Prime Rate; completion or failure 
of a temporary hardship arrangement; or the end of military service to which  the provisions of the Servicemembers Civil Relief Act (SCRA) 

 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
apply. (“Exceptions”).  Otherwise, we may change the terms of the Agreement at any time, after notice and the right to reject if required 
by law.   Changes in any APR, other than the stated Exceptions, Annual Fee or minimum Interest Charge will apply to new transactions 
created after the end of the 14th day following our providing notice to you.    If you reject a change, your Account will be cancelled and 
you will no longer be able to use the Account.   

Cancellation of your Account will not affect your liability to us for credit we have extended to you, including amounts not yet billed to your 
Account. 

ELECTRONIC RECORDS 
You agree that this document and all paper records related to your Account and whether or not the other paper records were submitted, 
received or obtained in advance of, contemporaneously with or subsequent to, the delivery of this document may, at the option of 
Commerce Bank, be converted by any digital or electronic method or process to an electronic record or subsequently further converted or 
migrated to another electronic record format or electronic storage medium.  You further agree that upon conversion to an electronic record 
as authorized herein such electronic record shall be the record of the transaction and the electronic record shall have the same legal force 
and effect as the paper documents from which it was converted.  You waive any legal requirement that any documents digitally or 
electronically converted be embodied, stored, or reproduced in a tangible media.  You undersigned and agree that a printed or digitally 
reproduced copy of the electronic record shall be given the same legal force and effect as a signed writing.  In addition, you authorize and 
agree to destruction of the paper documents by Commerce Bank upon conversion of the paper documents to a digital or electronic record. 

PERMISSION TO CONTACT 
You agree, in order for us to service your account or to collect any amounts you may owe, we may contact you by telephone at any 
telephone number associated with your account, including wireless telephone numbers, which could result in charges to you. We may also 
contact you by sending text messages or emails, using any telephone number or email address you provide to us.  You consent and 
acknowledge that methods of contact may include using pre-recorded/artificial voice message and/or use of an automatic dialing device, as 
applicable.  You further consent and agree that our personnel may listen to and/or record phone calls between you and our 
representatives without additional notice to you, including but not limited to calls we make to service your account or collect debt(s).  

MISCELLANEOUS PROVISIONS 
You also agree that: 
  We may refuse to extend credit to you or anyone using your Account or Card(s). 
  We will not be liable or responsible for anyone’s refusal to honor your Card(s). 
 

Each Account you have with us is separate from any others you have with us, and Interest Charges will be charged on each Account’s 
balance at the APR given with each Cardholder Agreement.  Each individual Account will be designated by an individual Account 
number. 
Your Card(s) are Commerce Bank property. 

 
  We may change the premium enhancements offered at any time without further notice to you. 
  Merchants with whom you’ve shared your Account number may be updated with new Account information to ensure the continuation 

 

of your payment agreement. 
You will not use your Card(s) for any purpose that has been deemed illegal.  We reserve the right to deny authorization requests from 
online gambling merchants, whether or not online gambling is illegal in the state in which you reside. 

  Commerce Bank may share your Account experience and transaction information with its Affiliates, which are 

members of the Commerce Corporate family as defined in your Privacy Policy Notice.  Unless you call 1-800-543-4845, 
you agree that Commerce Bank and its Affiliates may also share other information about you or your Account.  
You must notify us immediately at Commerce Bank, P.O. Box 411036, Kansas City, MO 64141-1036, if you believe any 
information we reported to a credit reporting agency is inaccurate. 

 

CHANGES IN ADDRESS 
You agree to notify us immediately if you change your address. 

INTERPRETATION 
The Agreement shall be governed by applicable federal law and regulations.  To the extent not preempted by applicable federal law, this 
Agreement shall be governed by the laws of the state of Missouri.  

Your Billing Rights: Keep this Document for Future Use 
This notice tells you about your rights and our responsibilities under the Fair Credit 
Billing Act. 

What To Do If You Find A Mistake On Your Statement 
If you think there is an error on your Statement, write to us at: 
Commerce Bank 
P.O. Box 411036, Kansas City, MO 64141-1036. 
You may also send us this information via fax at 1-816-234-2811 

In your letter, give us the following information: 

Account information: Your name and Account number. 
 
  Dollar amount: The dollar amount of the suspected error. 
  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe i t is a 

mistake. 

You must contact us: 

  Within 60 days after the error appeared on your Statement. 
 

At least 3 Business Days before an automated payment is scheduled, if you want to stop payment on the amount you think is 
wrong. 

You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors 
and you may have to pay the amount in question. 

What Will Happen After We Receive Your Letter 

When we receive your letter, we must do two things: 
1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected 
the error. 

2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 

While we investigate whether or not there has been an error: 

  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
 

The charge in question may remain on your Statement, and we may continue to charge you interest on that amount. 

 
 
 
 
 
 
 
 
 
 
 
 
 
  While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
  We can apply any unpaid amount against your credit limit. 
After we finish our investigation, one of two things will happen: 

 

 

If we made a mistake: You will not have to pay the amount in question or any Interest Charges or other Fees related to that 
amount. 

If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable Interest Charges 
and Fees. We will send you a Statement of the amount you owe and the date payment is due. We may then report you as 
delinquent if you do not pay the amount we think you owe. 

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. 
If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of 
anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. 

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

If you are dissatisfied with the goods or services that you have Purchased with your credit card, and you have tried in good faith to correct 
the problem with the merchant, you may have the right not to pay the remaining amount due on the Purchase. 

To use this right, all of the following must be true: 
1. The Purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price 
must have been more than $50. (Note: Neither of these are necessary if your Purchase was based on an 
advertisement we mailed to you, or if we own the company that sold you the goods or services.) 
2. You must have used your credit card for the Purchase. Purchases made with Cash Advances from an ATM or with a check that accesses 
your credit card Account do not qualify. 
3. You must not yet have fully paid for the Purchase. 

If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us in writing at: 

Commerce Bank 
P.O. Box 411036, Kansas City, MO 64141-1036. 

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you 
our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 

LIABILITY FOR UNAUTHORIZED USE 
If your name appears on the Account for the Card(s) accompanying this Agreement, then by using or permitting another to use the 
Card(s) and/or PIN, you agree to all the provisions of this Agreement, including, but not limited to your promise to pay.  Yo u will not be 
liable for unauthorized use that occurs after you notify Commerce Bank orally or in writing.  Notification of loss, theft or possible 
unauthorized use may be mailed to Commerce Bank, P.O. Box 411036, Kansas City, MO 64141-1036, or you may call 1-800-645-
2103. 

SPECIAL CONNECTIONS FEATURE (OPTIONAL) 
With the Special ConnectionsSM Feature, and as permitted from time to time, you may use your Card to access Commerce Bank Special 
Connections Feature-eligible deposit accounts, credit cards, lines of credit, and/or loans. You may request the Special Connections Feature 
from a Commerce Bank branch, through Commerce Bank Online Banking, or from our Customer Service Department at 1-800-645-2103. 
These features are not automatically activated. 

For customers with a Special Connections® Visa® or MasterCard® credit card, please note: The Special Connections Feature is different 
from a Commerce Bank Special Connections Visa or MasterCard credit card.  The Special Connections Feature allows you to add certain 
functionality to any Commerce Bank-issued credit card, including Commerce Bank’s Special Connections Visa or MasterCard credit card.  
However, your Special Connections Visa or MasterCard credit card is not automatically enabled with the Special Connections Feature.  You 
must proactively enroll any credit card, including your Special Connections Visa or MasterCard credit card, in the Special Connections 
Feature in order for that card to utilize the Special Connections Feature’s capabilities described herein. 

ELECTRONIC FUND TRANSFERS 
The following provisions apply only to Electronic Fund Transfers (“EFTs”).  EFTs are any transfer of funds initiated with your Card(s) at an 
ATM or as a PIN-based debit transaction (“Point of Sale”).  We can cancel these services at any time and for any reason without notice.  
We can also cancel your entire Account, including credit card services, and revoke your Card(s) as provided in the CANCELLATION 
paragraph above.  This may be done by an ATM or merchant not returning your Card(s) to you.  We may change the terms of this 
Agreement relating to EFTs without notice to you unless required by law. 

WHAT CONSTITUTES BANK’S BUSINESS DAY 
Our Business Days are Monday through Friday.  Federal holidays are not included. 

DISCLOSURE OF CONSUMER’S LIABILITY FOR UNAUTHORIZED TRANSFERS AND ADVISABILITY OF PROMPT REPORTING 
Tell us AT ONCE if you believe your Card(s) has/have been lost or stolen or if you believe that an EFT has been made without your 
permission.  Telephoning is the best way of keeping your possible losses down.  You could lose all the money in your deposit account plus 
your maximum overdraft line of credit.  If you tell us within two Business Days after you learn of the loss or theft of your Card, you can 
lose no more than $50 if someone used your Card without your permission. 

If you do NOT tell us within two Business Days after you learn of the loss or theft of your Card, and we can prove that we co uld have 
stopped someone from using your Card and making transfers from your deposit account without your permission if you had told us, you 
could lose as much as $500. 

Also, if your deposit statement shows transfers that you did not make, including those made by Card, code or other means, tell us at once.  
If you do not tell us within 60 days after the deposit statement was mailed to you, you may not get back any money you lost after the 60 
days if we can prove that we could have stopped someone from taking the money if you had told us in time.  If a good reason ( such as a 
long trip or a hospital stay) kept you from telling us, we will extend the time periods at our discretion. 

TELEPHONE NUMBER AND ADDRESS TO BE NOTIFIED IN EVENT OF UNAUTHORIZED TRANSFER OR LOST/STOLEN CARD  
If you believe your Card has been lost or stolen, call:  1-800-645-2103 or write:  Commerce Bank, P.O. Box 411036, Kansas City, 
MO 64141-1036.  If you believe that someone has transferred, or may transfer money from your deposit account without your 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
permission, call or write us at the phone number or address shown at the top of your deposit statemen t rather than the phone number 
and address in this paragraph. 

TYPES OF AVAILABLE TRANSFERS AND LIMITS ON TRANSFERS 
Account Access.  The following EFTs are only available if you request the Special Connections Feature. Depending on the type of 
accounts that Commerce determines from time-to-time are eligible for the Special Connections Feature as well as which of your accounts 
you choose to access using the Special Connections Feature, you may use your Card to perform the following functions where otherwise 
permitted:  

ATM Transaction 
At the ATM, insert your Card and enter the credit card PIN that you established for this Card to (i) withdraw cash from, depo sit money in, 
transfer funds between, or learn the balances in your checking, regular savings or money-market accounts; (ii) use funds from your 
checking, regular savings, and money-market accounts to make payments on your Commerce credit cards, lines of credit or loans or (iii) 
take cash advances on your Commerce credit cards.   

The account(s) you designate for ATM accessibility will be considered your Special Connections Feature at the ATM Account(s) (“ATM 
Account”).  If you wish to designate one or more checking accounts as an ATM Account, then you must designate one of those checking 
accounts as your Point of Sale Account as defined below.   In order to have ATM access to your checking accounts, you must at all times 
maintain a Point of Sale Account.  If you no longer have a Point of Sale Account, then you will lose ATM access to all of your checking 
accounts.  

Commerce has no control over the functionalities offered at non-Commerce ATMs.  Some or all of these features may not be available at 
all non-Commerce ATMs and some ATMs may allow you to perform other functions not mentioned here, including the ability to make 
purchases (e.g. stamps).  If at any time you use a non-Commerce ATM to request to take money from an account that you do not have or 
if the non-Commerce ATM does not prompt you to select a specific account from which to take the money, then you agree that Commerce 
will attempt to comply with your request by providing you with money from one of your open ATM Accounts. Cash withdrawals may be 
taken from any open deposit ATM Account owned by you and cash advances may be taken from any credit card ATM Account owned by 
you. 

Point of Sale Transaction 
You may designate one (1) checking account as your Special Connections Feature at the Point of Sale Account (“Point of Sale Account”).  
At merchants that have agreed to accept the Card on networks utilized by us, you can use funds in your Point of Sale Account to pay for 
your purchases. When prompted, select “DEBIT” at the point of sale and enter your credit card PIN that is tied to this Card. The purchase 
amount will be deducted from your Point of Sale Account. The use of your Card in this manner constitutes a simultaneous withdrawal from 
and/or demand upon your checking account, even though the transaction may not actually be posted to your account until a later date.  

Only Commerce checking accounts are eligible for this functionality and only one (1) Commerce Bank checking account can be designated 
as the Point of Sale Account at any one time.  Your Point of Sale Account shall always remain as an ATM Account.  If at any time you 
instruct Commerce to remove the Point of Sale capabilities from your card, you will no longer have access to any of your checking 
accounts at the ATM.   

ATM and Point of Sale transactions will post to your checking account(s) as detailed in your Deposit Agreement.    

Foreign Transaction 
For transactions occurring outside of the United States, the nature of which is unspecified to us, we will apply the transaction to accounts 
in the following order: checking, money-market, regular savings, Commerce Visa or Commerce MasterCard. 

Limitation on Frequency of Transfers.  There are no limitations on the number of transfers that can be made during any time period 
to or from any deposit account. 
 
 

Point of sale transactions using a credit card PIN to access a checking account:  Unlimited. 
ATM withdrawals or deposits:  Unlimited. 

Limitation on Dollar Amount of Transfers.  The balance available for authorizing PIN purchases and cash withdrawals is the lesser of 
1) your available deposit account balance, plus any credit available through an overdraft protection line of credit or through any overdraft 
authorized by us in our sole discretion, OR 2) daily dollar limitations.  For Cash Advances against a Commerce Bank credit card, you may 
withdraw cash up to the lesser of your available credit line or daily dollar limitations.  In addition, daily withdrawal frequency limitations 
may apply to Cash Advances.  Dollar limitations may differ at non-Commerce ATMs. 

POINT OF SALE TRANSACTIONS 
You may use your Card only in the manner and for the purposes authorized by this Agreement.  Any person honoring your Card may be 
required to obtain approval or authorization for any transaction.  We may recognize a transaction even if we have not authorized it, but 
that does not mean we will authorize the same type of transaction again.  You do not have the right to stop payment on any point-of-sale 
card transaction originated by use of your Card. 

If an overdraft in your deposit account results from the use of the Card, you will pay us on demand this negative balance and our then 
current charge for overdrafts.  In addition, if your deposit account is closed before transactions are posted you will pay us on demand the 
outstanding amount. 

CHARGES FOR TRANSFERS OR RIGHT TO MAKE TRANSFERS 
With the following exceptions, there will be no ATM charge for validation of your Card or for any transfer, withdrawal, or balance inquiry or 
credit card Cash Advance initiated by the use of your Card at Commerce Bank ATMs.  We will charge you $2.00 for each transfer, 
withdrawal, or balance inquiry you make at non-Commerce ATMs; however, there will be no ATM charge by us for credit card Cash 
Advances.  If your account is a regular savings account and you make more than three withdrawals or transfers during the depo sit 
statement cycle, we will charge $1.00 for each withdrawal or transfer over three. 

FEES CHARGED BY OTHERS 
When you use an ATM not owned by us you may be charged a fee by the ATM operator (or any network used) and you may be charged a 
fee for a balance inquiry even if you do not complete a fund transfer. 

RIGHT TO RECEIVE DOCUMENTATION OF TRANSFERS 
Terminal Receipts.  You may choose to get a receipt at the time you make a transfer to or from your account using one of our ATMs. 
Periodic Statement.  You will get a monthly deposit statement if you have an account upon which checks or drafts may be drawn.  You 
will get a monthly deposit statement on your regular savings account if there are electronic transfers during the month.  In any case you 
will get a regular savings deposit statement at least quarterly. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
DISCLOSURE OF BANK’S LIABILITY FOR FAILURE TO MAKE TRANSFERS 
If we do not complete a transfer to or from your account on time or in the correct amount 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 instance: 
If through no fault of ours, you do not have enough money in your account to make the transfer. 
 
If the transfer would go over the credit limit on your overdraft line. 
 
If the ATM where you are making the transfer does not have enough cash. 
 
If the terminal or system was not working properly and you knew about the breakdown when you started the transaction. 
 
If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken. 
 
There may be other exceptions stated in our agreement with you. 
 

DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES 
We will disclose information to third parties about your account or the transfers you make: 
  Where it is necessary for completing transfers; or 
 
 
 

In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or 
In order to comply with government agency or court orders; or 
If you give us your written permission. 

ERROR RESOLUTION PROCEDURES 
These procedures are only for errors or questions you have about EFTs from your deposit account(s).  If you have questions, or there are 
errors in connection with your credit card services on this Account, follow the error resolution procedures shown above and titled “Your 
Billing Rights.”   

In case of errors or questions about your electronic transfers, call us or write us at the phone number or address listed at the top of your 
deposit statement as soon as you can, if you think your deposit statement or receipt is wrong or if you need more information about a 
transfer listed on the deposit statement or receipt.  We must hear from you no later than 60 days after we sent you the FIRST deposit 
statement on which the problem or error appeared. 
 
  Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need 

Tell us your name and account number. 

more information. 
Tell us the date, type and dollar amount of the suspected error. 

 

If you tell us orally, we may require that you send your complaint or question in writing within 10 Business Days. 

We will determine whether an error occurred within 10 Business Days after we hear from you and will correct any error promptly.  If we 
need 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 account within 10 Business Days for the amount you think is in error so that you will have the use of the money during the time 
it takes to complete our investigation.  If we ask you to put your complaint or question in writing and we do not receive it within 10 
Business Days, we may not credit your account.   

For errors involving new accounts, point-of-sale or foreign-initiated 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 credit your account for the amount you think is in error. 

We will tell you the results within three Business Days after completing our investigation.  If we decide that there was no error, we will 
send you a written explanation.  You may ask for copies of documents that we used in our investigation. 

ATM/NIGHT DEPOSIT FACILITY USER PRECAUTIONS 
As with all financial transactions, please exercise discretion.  For your own safety when using an ATM or night deposit facility, keep in mind 
the following suggestions: 
1.  Be aware of your surroundings when using an ATM, particularly during the hours of darkness; 
2.  Be accompanied by another person when using an ATM during the hours of darkness; 
3.  Refrain from displaying cash.  Place cash in a pocket as soon as a transaction is completed and count cash in the safety of a locked 

enclosure such as a car or home; 

4.  Use another ATM or return at a later time if anything suspicious is noticed when using or considering using an ATM; and 
5.  Report all crimes immediately to the operator of the ATM or to local law enforcement. 

__________________________________________ 

If you have any questions regarding this Agreement, or our current fee schedule, write to us at Commerce Bank, P.O. Box 411036, 
Kansas City, MO 64141-1036, or call us at 1-800-645-2103. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
PRICING INFORMATION FOR THE COMMERCE BANK SECURED VISA CREDIT CARD 

Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases 

Prime Rate plus 14.99% 

This APR will vary with the market based on the Prime Rate. 

APR for Balance Transfers  

Prime Rate plus 14.99% 

APR for Cash Advances 
(Non-Overdraft & Overdraft) 

Prime Rate plus 21.99% for Non-Overdraft Cash Advances. 
Prime Rate plus 21.99% for Overdraft Cash Advances. 

This APR will vary with the market based on the Prime Rate. 

Paying Interest  

Minimum Interest Charge 
For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

These APRs will vary with the market based on the Prime Rate. 

Your due date is at least 25 days after the close of each billing cycle.  We will not 
charge you any interest on Purchases if you pay the entire balance by the due date 
each month.  We will begin charging interest on Cash Advances and Balance Transfers, 
on the transaction date. 
If you are charged interest, the charge will be no less than $2.50. 
To learn more about factors to consider when applying for or using a credit card, 
visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore 

Fees 
Set-up and Maintenance 
Fees 
-  Annual Fee 
-  Participation Fee 

Transaction Fees 
-  Balance Transfer  

$49 
None 

None 

-  Non-Overdraft             

None 

Cash Advance  

-  Overdraft Cash Advance 

None 

-  Foreign Transaction 

1% of each transaction in U.S. Dollars. 2% of each transaction made in currencies other 
than U.S. Dollars.  

Penalty Fees 
-  Late Payment  

$5 if your minimum payment due is less than or equal to $25; 
$15 if your minimum payment due is more than $25 

-  Returned Payment 

$25 

How We Will Calculate Your Balance: We use a method called “Daily Balance” (including new Purchases and Fees).  See 
the account agreement for more details. 

Prime Rate:  The Prime Rate used to determine the APR on your Account is the U.S. Prime Rate published in The Wall 
Street Journal in its column called “Money Rates” on the last business day of each month.  Although each Daily Periodic Rate 
is determined by an index published prior to the first day of each calendar month, the respective Daily Periodic Rate will on ly 
become effective and charged as of the first day of the monthly billing period following the respective calendar month in 
which the index is so published.  No representation is made that the U.S. Prime Rate is the lowest, the best or the favored 
rate of interest.  If for any reason The Wall Street Journal no longer publishes the “Money Rates” column, then we will choose 
a new index based on comparable information.  An increase in the Prime Rate will cause your interest rate to increase and 
may cause your minimum monthly payment to increase. 

Cost of Card:  The information about the costs of the card described in this application is accurate as of September 2014.  
This information may change after that date.  To find out what may have changed, call us at 1-800-645-2103. 

Daily Periodic Rate:  The Daily Periodic Rate for all APRs equals the APR divided by 365.