CARDHOLDER AGREEMENT 
                                               
                                                    
                                               
     
    This cardholder agreement (�Agreement�) is for your Account with  Card(s).  We can increase or decrease your Credit Limit and/or Cash 
    Commerce Bank, and the Card(s) which has/have been given to you in  Limit at any time without prior notice or liability.  A change to your Credit 
    connection with your Account.  Such Account and Card(s) provide you  Limit and/or Cash Limit will not affect your obligation to pay us. 
    with credit card services and ATM Services.  �You� and �your� mean any   
    applicant for the Account and any person using the Account and/or  We may decline, at any time in our sole discretion, an authorization 
    related Card(s) with the expressed or implied permission of any of the  request for any transaction for any reason, included but not limited to:                                              
    applicants.  Any person whose name appears on the Account for the  �  operational considerations, 
    Card(s) accompanying this Agreement consents, either by using or  �  your Account is in default, 
    permitting another to use the Card(s), to all provisions of this Agreement  �  we suspect fraudulent or unlawful activity 
    and the related Security Agreement and Assignment of Secured Credit   
    Card Savings Account and Deposit Account Agreement.  �We�, �us� and  We are not responsible for any losses or damages, including 
    �our� means Commerce Bank, our successors and assigns.    consequential damages, if a transaction on your Account is declined,  
                                              either by us or a third party, even if you have sufficient credit available. 
    This Agreement contains an arbitration provision, a class action   
    waiver, and a jury trial waiver. Please read the entire section titled  INSTALLMENT PLAN 
    �DISPUTE RESOLUTION - ARBITRATION� and the section titled  Installment Plans may be available for eligible Accounts to initiate and 
    �DISPUTE RESOLUTION � JURY TRIAL WAIVER.�  can be used for qualifying transaction(s) only; and not for a Cash 
                                              Advance, Balance Transfer, or any Fee owed to us. When selecting an 
    In this Agreement:                        Installment Plan, the qualifying transaction(s) will be moved to an 
    Account is your credit card account.      Installment Plan balance and may be subject to an Installment Plan Fee 
    Annual Fee is a fee charged on a yearly basis for your continued use of  instead of the periodic interest rate. If you do not pay your entire 
    the Account.                              Installment Plan balance in the pre-selected amount of billing cycles, any 
    APR is Annual Percentage Rate.            remaining balance will be transferred to your applicable Purchase or 
    ATM is Automated Teller Machine.          Convenience Check balance and your respective periodic interest rate 
    Balance Transfer is an advance made when transferring a balance from  applied.  
    another creditor to your Account.          
    Business Days are Monday through Friday.  Federal holidays are not  We may limit the number of active Installment Plans you can have at one 
    included.                                 time and reserve the right to change this number at any time. Installment 
    Card is the credit card(s) given to you in connection with your Account.  Plans cannot be cancelled after they have been set up, but you can 
    Cash Advance includes:                    choose to pay the Installment Plan early by paying the new balance, 
      � Non-Overdraft Cash Advance is an advance made by means of  shown on your most recent Statement, in full. If you pay an Installment 
      an electronic device or machine, or a financial institution teller, or for  Plan off early, you will not incur any future Installment Plan Fees for that 
      the purchase of wire transfers, non-U.S. currency, travelers� checks,  Installment Plan. 
      money orders, lottery tickets and casino gaming chips.   
      � Overdraft Cash Advance is an advance made by means of  In the event you return items from an Installment Plan, we will choose 
      overdraft protection.                   how to apply the credit to your existing Account balances, including 
    Cash Limit is the maximum dollar amount of your Credit Line, as defined  whether to apply a credit to an Installment Plan balance or a different 
    herein, available for Cash Advances.      balance.  
    Charges are costs imposed as part of this Agreement and include both   
    interest and fees.                        PROMISE TO PAY 
    Convenience Check is a check provided to you to access credit from  You promise to pay for all Purchases, Balance Transfers, Convenience 
    your Account.                             Checks, Installment Plans and Cash Advances made by you through the 
    Daily Balance is determined, for each day in the billing cycle, by taking  use of the Account. In addition, you promise to pay all other amounts 
    the beginning balance, adding any new transactions or other debits,  owed due to use of the Account by anyone else you authorize to use the 
    (excluding any active Installment Plans) and subtracting any payments or  Account until such person�s authority is ended. You may only end such 
    other credits.                            person�s authority by notifying us in writing and returning to us any Card 
    Daily Periodic Rate is the APR divided by 365.  such person may have. All of you are responsible, both together and 
    Fees are non-Interest Charges, including transaction fees.   individually, for the entire Account balance even though only one of you 
    Grace Period means the period of time during the billing cycle when you  uses the Account. 
    will not accrue Interest Charges on certain transactions or balances.   
    Installment Plan is a feature that can be used to make fixed monthly  SECURED CREDIT CARD SAVINGS ACCOUNT 
    payments over a pre-selected number of billings cycles for qualifying  You are required to open a pledged account (�Pledged Account�) which 
    transaction(s).                           will serve as security for your Obligations and execute a security 
    Installment Plan Fee is a fee charged on a monthly basis on all active  agreement and assignment of secured credit card savings account 
    Installment Plans.                        (�Savings Account�). The owners of the Savings Account and the 
    Interest Charges are the portion of Charges attributed to periodic  Pledged Account must be the same. The issuance of your Card or 
    interest rates.                           increase of your credit limit may be delayed for a reasonable period of 
    PIN is Personal Identification Number.    time, following the deposit of funds to the Pledged Account.   
    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  Collateral securing other loans with us may also secure this 
    month.                                    indebtedness. 
    Obligations are any and all amounts owed under this Agreement   
    including, but not limited to, Purchases, Cash Advances and Charges.  BILLING STATEMENTS 
    Promotional Balance is the balance subject to the Promotional Rate.   Approximately once a month, you will receive a Statement. On average, 
    Balances subject to Introductory Rates are included.  your payment is due within 25 days from the date of the Statement 
    Promotional Rate is a rate other than the standard rate, tied to a special  (payment due date). 
    offering.  A Promotional Rate offered when you open your Account may   
    be called an Introductory Rate.           PAYMENT OPTIONS 
    Purchase means purchase of merchandise or services on the Account  You may pay the new balance shown on your Statement each month or 
    plus Charges, but does not include any Balance Transfer, Convenience  you may pay in monthly installments. If you decide to pay in monthly 
    Check, Cash Advance, Installment Plan and related Fees or Interest  installments, you must pay at least the minimum payment on your 
    Charges.                                  Statement. The minimum payment will include the sum of all active 
    Secured Credit Card Savings Account (�Pledged Account�) is a   Installment Plan payments due, plus the greater of: 
    deposit account that serves as collateral for your Obligations.     
    Statement is your billing statement.      �  $30.00 or the full amount of your total balance (excluding any active 
                                                Installment Plan balances) if it is less than $30.00; or 
    CREDIT CARD SERVICES                      �  1.00% of your new balance (excluding any active Installment Plan 
    The following provisions relate only to credit card services except as  balances) plus any amounts that are past due, plus Fees (excluding 
    otherwise applicable.                       Balance Transfer and/or Convenience Check Fees) and Interest 
                                                Charges accumulated during the billing period. 
    ACCOUNT DESCRIPTION                          
    At Account opening, we will grant you a line of credit with a minimum  When a payment is posted to your Account, we reserve the right to 
    dollar limit of $400, and a maximum dollar limit of $5,000 equal to the  restrict or delay all or part of the available credit created by the payment.  
    amount you deposit into your Pledged Account (�Credit Limit�) and may  The restriction or delay of the available credit is for risk management or 
    designate a �Cash Limit�. If your account is in good standing, you may  other related purposes, including but not limited to protection against 
    subsequently increase the credit limit by depositing additional funds in  actual or potential fraudulent activities or unauthorized transactions.  
    increments of $100 dollars to the Pledged Account up to the $5,000   
    maximum. Accrued interest on the Pledged Account will be included in  OVERDRAFT PROTECTION 
    meeting the $100 increment. Larger deposits and credit limits in excess  If you select overdraft protection, a Cash Advance will be made to cover 
    of $5,000 are at our sole discretion. These limits will be indicated on your  an overdraft in your designated Commerce Bank deposit account.  Such 
    Statement. You may not decrease your credit limit by withdrawing funds  Overdraft Cash Advances will be in the amount of $50.00 or multiples of 
    from the Pledged Account.                 $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 
    Subject to the terms of this Agreement, you may use your Account to  owner caused, or benefited from the overdraft.  Each Overdraft Cash 
    make Purchases and obtain Balance Transfers, Convenience Checks,  Advance is at our discretion.  We may permit or refuse to permit any 
    Installment Plans and Cash Advances that do not exceed your Credit  Overdraft Cash Advance that would cause you to exceed the Cash Limit 
    Limit and/or Cash Limit at any time.  Should your Purchases, Balance  on your Account.  We are not liable or responsible for any check drawn 
    Transfers, Convenience Checks, Installment Plans and/or Cash  that may for any reason be returned or otherwise dishonored.  We may 
    Advances ever exceed your Credit Limit and/or Cash Limit, we reserve  cancel this overdraft feature at any time without notice. 
    the right to terminate this Agreement and demand the return of your    
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    BALANCE ON WHICH INTEREST CHARGES ARE CALCULATED  Late Payment Fee 
    If you accrue any Interest Charges on your Account at a variable rate,  For each minimum payment not received by the fifteenth day following 
                                                    
    that rate will be calculated by adding a margin to the Prime Rate.  Please  the payment due date, we may charge a Fee (�Late Payment Fee�).   
     
    see the ACCOUNT OPENING DISCLOSURE, which is part of this   
    Agreement, for specific information regarding the APRs used to  Foreign Transactions 
    compute your Interest Charges.            Visa and MasterCard Purchases, cash withdrawals and Cash Advances 
                                              made in currencies other than U.S. Dollars will be converted to U.S. 
                                                                    � 
    We calculate your Daily Balance for each day in the billing cycle by  Dollars under regulations established by VISA International and 
                                                   �  taking your beginning balance, adding any new transactions (excluding  MasterCard International.  Visa conversion will be at a rate selected by 
    any active Installment Plans) or other debits, and subtracting any  Visa from the range of rates available in wholesale currency markets for 
    payments (excluding payments toward any active Installment Plan) or  the applicable central processing date, which may vary from the rate 
    other credits.  We multiply the Daily Balance by the Daily Periodic Rate  Visa itself receives or the government-mandated rate in effect for the 
    to get your Interest Charges for that day.  We add these Interest Charges  applicable central processing date.  MasterCard conversion will be at a 
    to your Daily Balance to get the beginning balance for the next day.  We  rate selected by MasterCard, typically either a government-mandated 
    do this for all days on which you have a balance owing on the Account,  rate or a wholesale rate provided to MasterCard.  Conversion to U.S. 
    disregarding any credit balance, for the billing cycle.  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 
    We add all the daily Interest Charges and round the sum to the next  the time of the transaction.  You agree to pay the converted amount plus 
    highest cent to get your total Interest Charges for that billing cycle.  We  the applicable foreign transaction Fee.  For Purchases, cash 
    do this calculation separately for each type of balance.  withdrawals, and Cash Advances made in U.S. dollars outside of the 
                                              United States and its territories, you agree to pay the transaction 
    The Prime Rate used to determine the APR on your Account is the U.S.  amount, plus the applicable foreign transaction Fee. 
    Prime Rate published in The Wall Street Journal in its column called   
    �Money Rates� on the last Business Day of each month.  Although each  Balance Transfer Or Convenience Check Transaction Fee 
    Daily Periodic Rate is determined by an index published prior to the first  You will not be charged a transaction Fee for each Balance Transfer 
    day of each calendar month, the respective Daily Periodic Rate will only  and/or Convenience Check posted to your Account. 
    become effective and charged as of the first day of the monthly billing   
    period following the respective calendar month in which the index is so  Non Overdraft Cash Advance Transaction Fee 
    published.  No representation is made that the U.S. Prime Rate is the  You will not be charged a transaction Fee for each Cash Advance posted 
    lowest, the best or the favored rate of interest.  If for any reason The Wall  to your Account. 
    Street Journal no longer publishes the �Money Rates� column, then we   
    will choose a new index based on comparable information.  An increase  Overdraft Cash Advance Transaction Fee 
    in the Prime Rate will cause your interest rate to increase and may cause  You will not be charged a transaction Fee for each Cash Advance 
    your minimum monthly payment to increase.  resulting from the overdraft protection. 
                                               
    INTEREST CHARGE COMPUTATION               Installment Plan Fee 
                                              You may be charged an Installment Plan Fee for each Installment Plan. 
    �  ON PURCHASES:  Interest Charges begin to accrue on the  Each Installment Plan Fee will be disclosed prior to establishing the 
       transaction date, provided such date will never be later than the  Installment Plan and charged monthly throughout the Installment Plan 
       date the Purchase is posted to the Account or earlier than the first  duration. The Installment Plan Fee will appear on your Statement.   
       day of the billing cycle for the Statement on which such transaction   
       is shown.  Purchases are subject to a Grace Period.  If the previous  Overlimit Fee 
       balance is zero or was paid in full by the payment due date shown  In the event your balance exceeds your credit limit, no Fee will be 
       on your Statement, no Interest Charge will be assessed on current  charged.  
       Purchases.                               
                                              OTHER FEES: 
    �  ON BALANCE TRANSFERS OR CONVENIENCE CHECKS:    
       Except for Convenience Checks associated with Installment Plans,  Returned Payment Fee 
       Interest Charges begin to accrue on the date of the Balance  A Fee will be charged for any check or other form of payment sent to us 
       Transfer or Convenience Check, provided such date will never be  which is returned unpaid. 
       later than the date the Balance Transfer or Convenience Check is   
       posted to the Account or earlier than the first day of the billing cycle  Convenience Checks and Document Copy Charges 
       for the Statement on which such transfer or check is shown.   Charges for Convenience Checks and requests for copies of sales 
                                              drafts, Statements or other documents related to your Account may be 
    �  ON CASH ADVANCES:  Interest Charges begin to accrue on the  billed on your Account as Purchases in accordance with the fee schedule 
       date of the Cash Advance, provided such date will never be later  established by us from time to time.  No charge will be made for copy 
       than the date the Cash Advance is posted to the Account or earlier  requests related to billing error resolution within 60 days of the disputed 
       than the first day of the billing cycle for the Statement on which such  transaction. 
       advance is shown.                       
                                              TOTAL FEE COMPUTATION 
    �  ON INSTALLMENT PLANS: No Interest Charges are applied to  We add all Fees assessed to obtain your total Fees for each billing cycle. 
       active Installment Plans.              Installment Plan Fees will be charged monthly throughout the Installment 
                                              Plan duration.   
    TOTAL INTEREST CHARGE COMPUTATION          
    We add Interest Charges for each type of balance (excluding active  CANCELLATION 
    Installment Plans) to obtain your total Interest Charge for each billing  To the extent permitted by law, Commerce Bank may cancel your 
    cycle.                                    Account, refuse to allow further transactions against your Account or 
                                              revoke your Card(s) at any time (whether or not you are in default of any 
    TERMINATION OF INTRODUCTORY OR PROMOTIONAL RATES  part of this Agreement) including, without limitation, when any affiliation 
    If during an Introductory or Promotional Rate period, we have not  you may have with a sponsoring organization ceases or when any 
    received the required minimum monthly payment within 60 days of the  agreement we may have with the sponsoring organization is terminated.  
    respective payment due date, we will increase the applicable APR to the  Cancellation of your Account will not affect your liability to us for credit 
    penalty APR.  Introductory and/or Promotional Rates will not be  we have extended to you, including amounts not yet billed to your 
    reinstated.                               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 
    TERMINATION OF INSTALLMENT PLAN           any other bank or merchant who is acting upon our instructions. 
    If, during a period when an active Installment Plan is associated with the   
    Account, we have not received the required minimum monthly payment  CONDITIONS OF DEFAULT 
    within 60 days of the respective payment due date, we will cancel the  We may consider you to be in default if we do not receive a required 
    Installment Plan and will apply the Penalty APR. The Installment Plan  payment when due, including the minimum payment by the date shown 
    cannot be reinstated or recreated.        on your Statement; you fail to comply with the terms of this Agreement; 
                                              you make any false or misleading statements or omissions on your 
    FEES                                      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 
    TRANSACTION, ANNUAL AND PENALTY FEES:     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 
    Please see the ACCOUNT OPENING DISCLOSURE for information  indebtedness or loan; you are declared incompetent by a court or a court 
    regarding the specific Fees that may be charged to your Account. Your  appoints a guardian/ conservator for you or your assets; or you die. 
    Installment Plan Fee will be displayed at the point of purchase as part of   
    your purchase confirmation or Convenience Check offer.  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 
    Minimum Interest Charge                   law and/or exercise our rights under the Security Agreement and 
    A minimum Interest Charge will be imposed in any billing cycle for which  Assignment of Secured Credit Card Savings Account (subject to 
    an Interest Charge is payable and will appear on your Statement as a  applicable law regarding notice or right to cure).  To the extent permitted 
    Fee.                                      by law, if you are in default you will pay our collections costs, attorneys� 
                                              fees, court costs, and all other expenses of enforcing our rights under 
    Annual Fee                                this Agreement. 
    Your Account may have an Annual Fee that will be added annually to   
    your Account. The imposition or payment of an Annual Fee does not  ALLOCATION OF PAYMENTS 
    affect or limit our right to terminate this Agreement, cancel your Account,  We will allocate your minimum payment in the manner we determine. If 
    and demand payment, in a manner permitted by law, of any amounts  there are any active Installment Plans associated with the Account, we 
    owed on your Account.                     will apply payment to the Installment Plan(s) first. We will then apply the 
                                              amount in excess of the minimum payment to balances with higher APRs 
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    before balances with lower APRs and then to any Installment Plan  Communication Revocation  
    balance(s) in order of earliest Installment Plan expiration date.  If you do not want to receive communications as described in the 
                                              previous paragraph, you must: (i) provide us with written notice revoking 
                                                    
    RECEIPT OF PAYMENTS                       your prior consent, (ii) in that written notice, you must include your name, 
     
    Payments received before 5 PM CT at the address shown on your  mailing address, and the last four digits of your Account number; (iii)   
    Statement on any of our regular Business Days will be posted as of the  advise whether you would like communications to cease via mail, voice 
    date of receipt.  Payments made in person before the close of business  calls, telephone number(s), email, text/SMS, or cease in all forms; (iv) if 
    to an employee at a Commerce branch will be posted as of date of  you are requesting communications to cease via telephone number(s) 
    receipt.  Payments mailed to the address shown or made in person at a  and/or email, please provide the specific phone number(s) and email 
    branch must be accompanied by the Account number or payment stub,  address; (v) you must send this written notice to: 
    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  Commerce Bank 
    form of payment.  Do not send cash through the mail. A delay in crediting  Attention � Commerce Bank Customer Service 
    the payment to your Account may occur if the payment does not meet  P.O. Box 411036, Kansas City, MO 64141-1036 
    these requirements for making payments (conforming payments). In no   
    case shall such delay exceed five days from receipt of such payment.  Telephone Conversation Recording  
                                              You consent and agree that our staff may monitor and/or record phone 
    The cutoff time for payments made on any of our regular Business Days  calls between you and our representatives without additional notice to 
    through Commerce as transfers from your Commerce deposit account  you, including but not limited to calls we make to service your account or 
    are as follows:  Commerce ATM, 7:00 PM CT; Commerce Online  collect debt(s). 
    Banking, including Mobile Banking, 7:00 PM CT; Commerce Account   
    Information Line, 7:00 PM CT; Commerce Collections Department, 11:00  MILITARY LENDING ACT DISCLOSURE 
    PM CT. A payment made through Commerce Online Bill Pay will be  Federal law provides important protections to members of the Armed 
    posted on the Pay Date.                   Forces and their dependents relating to extensions of consumer credit. In 
                                              general, the cost of consumer credit to a member of the Armed Forces 
    Conforming payments received after the respective cutoff time will be  and his or her dependent may not exceed an annual percentage rate of 
    posted no later than the next Business Day.  Payments made by a third- 36 percent. This rate must include, as applicable to the credit transaction 
    party payor, will be posted as of the date we receive the payment.  or account: The costs associated with credit insurance premiums; fees 
                                              for ancillary products sold in connection with the credit transaction; any 
    When the due date falls on a weekend or holiday, your payment due  application fee charged (other than certain application fees for specified 
    date will be on the next Business Day.    credit transactions or accounts); and any participation fee charged (other 
                                              than certain participation fees for a credit card account). You can call toll 
    We may accept late payments, partial payments or checks and money  free to 855-225-1576 to hear the applicable required Military Lending Act 
    orders (or accompanying written communication) containing a statement  disclosures. 
    to the effect that the instrument was tendered as �payment in full,� full   
    satisfaction of a disputed claim or other similar language without losing  MISCELLANEOUS PROVISIONS 
    any rights under this Agreement or under the law.  All such payments or  You also agree that: 
    written communications must be mailed to:  Commerce Bank, P.O. Box  �  We may refuse to extend credit to you or anyone using your 
    410857, Kansas City, MO 64141-1857.         Account or Card(s). 
                                              �  We will not be liable or responsible for anyone�s refusal to honor 
    CHANGE OF TERMS                             your Card(s). 
    Provided the Account is meeting the terms of this Agreement:  (1) We  �  Each Account you have with us is separate from any others you 
    will not increase an introductory APR during any Introductory Rate  have with us, and Interest Charges will be charged on each 
    period; and (2) We will not increase any APR, Annual Fee or minimum  Account�s balance at the APR given with each Agreement.  Each 
    Interest Charge for 12 months following account opening, except for  individual Account will be designated by an individual Account 
    increases due to the expiration of an Introductory or Promotional Rate  number. 
    period, if any; changes in the Prime Rate; completion or failure of a  �  Your Card(s) are Commerce Bank property. 
    temporary hardship arrangement; or the end of military service to which  �  We may change the premium enhancements offered at any time 
    the provisions of the Servicemembers Civil Relief Act (SCRA) apply.  without further notice to you. 
    (�Exceptions�).  Otherwise, we may change the terms of the Agreement 
                                              �  Merchants with whom you�ve shared your Account number may be 
    at any time, after notice and the right to reject if required by law.  
                                                updated with new Account information to ensure the continuation of 
    Changes in any APR, other than the stated Exceptions, Annual Fee or 
                                                your payment agreement. 
    minimum Interest Charge will apply to new transactions created after the 
                                              �  You will not use your Card(s) for any purpose that has been 
    end of the 14th day following our providing notice to you.  If you reject a 
                                                deemed illegal.  We reserve the right to deny authorization requests 
    change, your Account will be cancelled and you will no longer be able to 
                                                from online gambling merchants, whether or not online gambling is 
    use the Account.   
                                                illegal in the state in which you reside. 
     
                                              �  Commerce Bank may share your Account experience and 
    Cancellation of your Account will not affect your liability to us for credit 
                                                transaction information with its Affiliates, which are members 
    we have extended to you, including amounts not yet billed to your 
                                                of the Commerce Family of Companies as defined in your 
    Account. 
                                                Privacy Statement.  Unless you call 1-800-543-4845, you agree 
     
                                                that Commerce Bank and its Affiliates may also share other 
    ELECTRONIC RECORDS 
                                                information about you or your Account. 
    You agree that this document and all paper records related to your 
                                              �  You must notify us immediately at Commerce Bank, P.O. Box 
    Account and whether or not the other paper records were submitted, 
                                                411036, Kansas City, MO 64141-1036, if you believe any 
    received or obtained in advance of, contemporaneously with or 
                                                information we reported to a credit reporting agency is inaccurate. 
    subsequent to, the delivery of this document may, at the option of 
                                               
    Commerce Bank, be converted by any digital or electronic method or 
                                              CHANGES IN ADDRESS 
    process to an electronic record or subsequently further converted or 
                                              You agree to notify us immediately if you change your address. 
    migrated to another electronic record format or electronic storage 
                                               
    medium.  You further agree that upon conversion to an electronic record 
                                              INTERPRETATION 
    as authorized herein such electronic record shall be the record of the 
                                              The Agreement shall be governed by applicable federal law and 
    transaction and the electronic record shall have the same legal force and 
                                              regulations.  To the extent not preempted by applicable federal law, this 
    effect as the paper documents from which it was converted.  You waive 
                                              Agreement shall be governed by the laws of the state of Missouri.  
    any legal requirement that any documents digitally or electronically 
                                               
    converted be embodied, stored, or reproduced in a tangible media.  You 
                                              Your Billing Rights: Keep this Document for Future Use 
    undersigned and agree that a printed or digitally reproduced copy of the 
                                              This notice tells you about your rights and our responsibilities 
    electronic record shall be given the same legal force and effect as a 
                                              under the Fair Credit Billing Act. 
    signed writing.  In addition, you authorize and agree to destruction of the 
                                               
    paper documents by Commerce Bank upon conversion of the paper 
                                              What To Do If You Find A Mistake On Your Statement 
    documents to a digital or electronic record. 
                                              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. 
    COMMUNICATIONS CONSENT 
                                              You may also send us this information via fax at 1-816-234-2811 
    You expressly consent and agree that Commerce Bank and their 
                                               
    affiliates, agents, vendors, collections agencies, and service providers 
                                              In your letter, give us the following information: 
    may use written, electronic or verbal means to contact you.  The ways in 
                                                �  Account information: Your name and Account number. 
    which we may contact you include, but are not limited to, contact by 
                                                �  Dollar amount: The dollar amount of the suspected error. 
    manual calling methods, live operator calls, prerecorded or artificial voice 
    calls and messages, text messages, emails, and/or automatic telephone  �  Description of problem: If you think there is an error on your 
    dialing systems. You agree that Commerce Bank and their affiliates,  bill, describe what you believe is wrong and why you believe it 
    agents, vendors, collections agencies, and service providers may contact  is a mistake. 
    you by using any email address or any telephone number you provide,  You must contact us: 
    now or in the future, including a number for a cellular phone or other  �  Within 60 days after the error appeared on your Statement. 
    wireless device, regardless of whether you incur charges as a result.   �  At least 3 Business Days before an automated payment is 
    Phone numbers and email addresses, you provide include those you  scheduled, if you want to stop payment on the amount you 
    give to us, those from which you contact us or which we obtain through  think is wrong. 
    other means. Message and data rates may apply.  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 
    Indemnification                           may have to pay the amount in question. 
    If you provide telephone number(s) for which you are not the subscriber,   
    you understand that you shall indemnify us for any costs and expenses,   
    including reasonable attorneys� fees, incurred as a result of us contacting   
    or attempting to contact you at the number(s) provided. In the event any   
    of your contact information changes, you agree to immediately notify us.   
                                               
                                3 
     
    What Will Happen After We Receive Your Letter  of action between you and us, whether preexisting, present or future, 
                                              arising out of, related to or concerning this Agreement, your Account, the 
    When we receive your letter, we must do two things:  services provided pursuant to this Agreement, optional features including 
                                                                SM     � 1. Within 30 days of receiving your letter, we must tell you that we  but not limited to Special Connections  and toggle , any relationship 
     
    received your letter. We will also tell you if we have already corrected the  between you and us, or any advertisement or solicitation, whether such 
    error.                                    Claim is asserted or brought in a direct, derivative, assignee, survivor, 
                                              successor, beneficiary or personal capacity. Without limiting the 
    2. Within 90 days of receiving your letter, we must either correct the error  foregoing, the term �Claim� also includes any unresolved disagreement, 
    or explain to you why we believe the bill is correct.  controversy, dispute, or cause of action between you and us arising out 
                                              of, related to or concerning any fees or charges relating to any 
    While we investigate whether or not there has been an error:  Account(s), and any services relating to any Account(s), optional 
                                                                         SM     �
       �  We cannot try to collect the amount in question or report you  features including but not limited to Special Connections  and toggle , 
         as delinquent on that amount.        on-line or telephone banking services, communication methods and 
       �  The charge in question may remain on your Statement, and  practices we may use to service your Account, and ATM services.  It also 
         we may continue to charge you interest on that amount.  includes any disputes you have with our agents, contractors, employees, 
       �  While you do not have to pay the amount in question, you are  officers or assignees, any merchants with whom you use the Account, 
         responsible for the remainder of your balance.  any credit reporting agencies to whom we report the Account or any 
       �  We can apply any unpaid amount against your credit limit.  other third party that has been involved or becomes involved with, or 
    After we finish our investigation, one of two things will happen:  whose trademarks are used in connection with, any purchasing, 
       �  If we made a mistake: You will not have to pay the amount in  marketing, soliciting, servicing or credit reporting activity relating to your 
         question, or any Interest Charges or other Fees related to that  Account.  The Claims covered by this agreement to arbitrate include, 
         amount.                              without limitation:  
                                               
       �  If we do not believe there was a mistake: You will have to pay 
         the amount in question, along with applicable Interest Charges  �  Any disputes regarding: the application you prepared in 
         and Fees. We will send you a Statement of the amount you  connection with the issuance of your Account; any solicitation 
         owe and the date payment is due. We may then report you as  or advertising materials you received in connection with your 
         delinquent if you do not pay the amount we think you owe.  Account; any activities relating to the maintenance or servicing 
                                                   of your Account; and any funds held by the Bank in connection 
    If you receive our explanation but still believe your bill is wrong, you must  with your Account;  
    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  �  Any disputes arising from the collection of amounts you owe in 
    are questioning your bill. We must tell you the name of anyone to whom  connection with your Account or the manner of collection;  
    we reported you as delinquent, and we must let those organizations   
    know when the matter has been settled between us.  �  Any disputes concerning the dollar amount of payments made 
                                                   or transactions posted to your Account;  
    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.  �  Any disputes concerning the processing of items or funds 
                                                   transfers sent to the Bank for the purpose of posting to your 
    Your Rights If You Are Dissatisfied With Your Credit Card  Account;  
    Purchases                                  
                                                �  Any disputes regarding information obtained by us from, or 
    If you are dissatisfied with the goods or services that you have  reported by us to, credit bureaus or others;  
    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  �  Any disputes related to insurance or other services or products 
    the remaining amount due on the Purchase.      purchased from us in connection with your Account; 
                                               
    To use this right, all of the following must be true:  �  Any disputes regarding communications involving telephones, 
    1. The Purchase must have been made in your home state or within 100  automatic dialing systems, artificial or prerecorded voice 
    miles of your current mailing address, and the purchase price must have  messages, SMS text messages or facsimile machines; and 
    been more than $50. (Note: Neither of these are necessary if your   
    Purchase was based on an                    �  Any disputes concerning the relationships resulting from this 
    advertisement we mailed to you, or if we own the company that sold you  Agreement, your Account or any of the foregoing. 
    the goods or services.)                    
    2. You must have used your credit card for the Purchase. Purchases  The term �Claim� includes claims of every kind and nature, including but 
    made with Cash Advances from an ATM or with a check that accesses  not limited to, initial claims, counterclaims, cross-claims and third-party 
    your credit card Account do not qualify.  claims and claims based upon contract, tort, fraud and other intentional 
    3. You must not yet have fully paid for the Purchase.  torts, statutes, regulations, common law and equity.  For purposes of this 
                                              section, �we,� �us,� and �our� includes Commerce Bank, any corporate 
    If all of the criteria above are met and you are still dissatisfied with the  parent, subsidiaries, affiliates, employees, officers, directors, agents, 
    Purchase, contact us in writing at:       controlling persons and representatives, as well as any person or entity 
                                              who provides any services in connection with this Agreement or who is 
    Commerce Bank P.O. Box 411036, Kansas City, MO 64141-1036.  named as a co-defendant with us in a Claim asserted by you. 
                                               
    While we investigate, the same rules apply to the disputed amount as  What Disputes are Not Subject to Arbitration?  Notwithstanding any other 
    discussed above. After we finish our investigation, we will tell you our  language herein, the term �Claim� shall not include any dispute or 
    decision. At that point, if we think you owe an amount and you do not  controversy regarding the validity, enforceability, coverage or scope of 
    pay, we may report you as delinquent.     this agreement to arbitrate or any part thereof, including, without 
                                              limitation, the �Waiver of Jury Trial and Class or Representative Action� 
    LIABILITY FOR UNAUTHORIZED USE            provision set forth below, subsections A and B of the �Survival and 
    If your name appears on the Account for the Card(s) accompanying this  Severance� provision set forth below and this sentence; all such disputes 
    Agreement, then by using or permitting another to use the Card(s) and/or  are for a court and not the arbitrator to decide.  In addition, claims filed 
    PIN, you agree to all the provisions of this Agreement, including, but not  by you or us individually in small claims court, so long as any such claim 
    limited to your promise to pay.  You will not be liable for unauthorized  remains in that court and advances only an individual claim for relief, are 
    use that occurs after you notify Commerce Bank orally or in writing.   not subject to arbitration.  However, if a claim is transferred, removed or 
    Notification of loss, theft or possible unauthorized use may be mailed to  appealed to a different court, you or we will then have the right to 
    Commerce Bank, P.O. Box 411036, Kansas City, MO 64141-1036, or  demand arbitration of such claim. Other claims, disputes, controversies 
    you may call 1-800-645-2103.              or issues not subject to arbitration are set forth in the section titled 
                                              �Rights Preserved.� 
    DISPUTE RESOLUTION � ARBITRATION           
                                              How Does Arbitration Work?  The arbitration shall be administered by the 
    PLEASE READ THIS SECTION CAREFULLY.  IT PROVIDES THAT,  American Arbitration Association (�AAA�), pursuant to its Consumer 
    WITH LIMITED EXCEPTIONS, YOU AND WE MAY ELECT TO  Arbitration Rules (collectively, �Rules�) in effect at the time a demand for 
    RESOLVE ANY DISPUTES BETWEEN YOU AND US BY BINDING  arbitration is filed. The Rules are available online at www.adr.org, or you 
    ARBITRATION. IF ARBITRATION IS ELECTED, YOU AND WE WAIVE  may contact the AAA at 120 Broadway, Floor 21, New York, N.Y 10271.  
    THE RIGHT TO A JURY TRIAL OR TRIAL BEFORE A JUDGE IN A  If the AAA is unable to serve and you and we cannot agree on a 
    PUBLIC COURT, AND YOU AND WE WAIVE ANY RIGHT TO BRING  replacement, a court with jurisdiction will select the arbitrator. If there is a 
    OR PARTICIPATE IN ANY CLASS ACTION OR SIMILAR  conflict between the Rules and this agreement to arbitrate, or between 
    PROCEEDING.                               this agreement to arbitrate and the Agreement, this agreement to 
                                              arbitrate shall control.  Pursuant to the Rules, the AAA will select a single 
    YOU HAVE THE RIGHT TO OPT OUT OF THIS AGREEMENT TO  arbitrator who shall have expertise in the substantive laws applicable to 
    ARBITRATE AS SET FORTH BELOW.             the Claim�s subject matter. If the value of relief sought is $10,000 or less, 
                                              you or we may elect to have the arbitration conducted by telephone or 
    Agreement to Arbitrate                    based solely on the submission of written documents, unless the Rules 
    You and we agree that either of us may elect to resolve any Claims (as  or arbitrator requires an in-person proceeding. If the value of the relief 
    defined below) through binding arbitration unless you opt out of the  sought is more than $10,000, or an in-person proceeding is required, the 
    agreement to arbitrate as set forth below, or unless prohibited by law. If  arbitration proceeding shall be conducted in the same city as the U.S. 
    you or we elect to resolve a Claim through arbitration, neither you nor we  District Court closest to your home address, unless the parties mutually 
    will have the right to pursue such claim in court or have a jury decide the  agree upon a different location in writing. Either party may, at its sole 
    claim, nor will you or we have the right to bring or participate in any class  cost and discretion, choose to be represented by an attorney at any 
    or other representative action in court or in arbitration.    arbitration proceeding. 
                                               
    What Claims are Subject to Arbitration?  As used in this section, the term  The arbitrator may award any damages or other relief provided for under 
    �Claim� has the broadest possible meaning and includes, but is not  applicable law as if an individual action were brought in court, including, 
    limited to, any unresolved disagreement, controversy, dispute, or cause  without limitation, punitive damages (which shall be governed by the 
                                4 
     
    Constitutional standards employed by the courts) and injunctive,  IN ANY OTHER REPRESENTATIVE CAPACITY ON BEHALF OF THE 
    equitable and declaratory relief (but only in favor of the individual party  GENERAL PUBLIC OR OTHER PERSONS SIMILARLY SITUATED IN 
    seeking relief and only to the extent necessary to provide relief  COURT OR IN ARBITRATION OR (iii) HAVE A COURT OR A JURY 
                                                    
    warranted by that party�s individual claim). If we made a written offer to  RESOLVE THE CLAIM.   MOREOVER, UNLESS MUTUALLY AGREED 
     
    you to settle your Claim prior to an arbitrator being selected, and the  UPON IN WRITING BY ALL PARTIES, CLAIMS MAY NOT BE 
    arbitrator awards you an amount greater than our last offer, if any, we will  JOINED, CONSOLIDATED, OR OTHERWISE COMBINED WHETHER 
    (i) pay you the arbitrator�s award or $5,000, whichever is greater, and (ii)  OR NOT ANY SUCH COMBINATION OCCURRED AS A RESULT OF 
    pay your reasonable attorney, witness and expert fees and costs, if any.  AN ASSIGNMENT. 
    Judgment on the arbitrator�s award is final and binding and may be   
    entered in any court of competent jurisdiction.  Rights Preserved.  In addition to subjects excluded from arbitration in 
                                              accordance with the provision titled �Which Disputes are Not Subject to 
    The arbitrator, you and we will not disclose the existence, content or  Arbitration?� this agreement to arbitrate does not prohibit you or us, at 
    outcome of any arbitration proceeding; provided, however, that  any time, from (a) exercising any lawful rights to preserve or obtain 
    disclosures required by applicable law or regulation shall not be subject  possession of property or self-help remedies, including but not limited to, 
    to such restriction.  The foregoing sentence does not prohibit any party  the right to set-off, the right to restrain funds in a deposit account, 
    from, in good faith, investigating a claim or defense, including  recoupment, repossession, replevin or trustee�s sales;  (b)  obtaining 
    interviewing witnesses or otherwise engaging in discovery as permitted  provisional or ancillary remedies or injunctive relief (other than a stay of 
    by the Rules. No arbitration award involving the parties will have any  arbitration), including but not limited to attachment, garnishment, 
    preclusive effect as to issues or claims in any dispute involving anyone  interpleader or the appointment of a receiver by a court of appropriate 
    who is not a party to the arbitration, nor will an arbitration award in prior  jurisdiction; or (c) bringing an individual action in court that is limited to 
    disputes involving other parties have preclusive effect in an arbitration  preventing the other party from using a self-help or non-judicial remedy 
    between the parties to this agreement to arbitrate.   and that does not involve a request for damages or monetary relief of 
                                              any kind.  
    How is Arbitration Initiated? If you or we elect to arbitrate a Claim, the   
    party electing arbitration must notify the other party in writing. This notice  Conflict, Survival and Severance.  In the event of any conflict or 
    can be given after the beginning of a lawsuit and can be given in papers  inconsistency between this agreement to arbitrate and other provisions 
    filed in the lawsuit (for example, a motion by the defendant to compel  of this Agreement or the Rules, this agreement to arbitrate will govern. 
    arbitration of claims asserted by the plaintiff in a lawsuit filed in court).  This agreement to arbitrate shall survive any termination of or changes to 
    Otherwise, your notice must be sent to Commerce Bank, Attn: ADR  any of your Account subject to this Agreement; the transfer or 
    Notice, P.O. Box 413037, Kansas City, MO 64141-3037, and our notice  assignment of any of the foregoing; and the bankruptcy of any party to 
    will be sent to the most recent address for you in our files. If a party files  the extent permitted by law. If any term or provision of this agreement to 
    a lawsuit in court asserting Claim(s) that are subject to arbitration and the  arbitrate is held to be unenforceable, prohibited or invalid, the remaining 
    other party files a motion to compel arbitration with the court which is  provisions shall be enforced without regard to such illegal or 
    granted, it will be the responsibility of the party asserting the Claim(s) to  unenforceable term or provision, except that: 
    start the arbitration proceeding in accordance with the Rules.    
                                                   (A) if any provision of this agreement to arbitrate regarding 
    Who Pays for Arbitration?  Except as otherwise provided herein, we will  class action, class arbitration, private attorney general action, other 
    pay the filing, administration and arbitrator fees charged by the AAA for  representative action, joinder, or consolidation is determined by an 
    any arbitration initiated in accordance with this agreement to arbitrate. If  authority of competent jurisdiction to be unenforceable or illegal, such 
    you pay any initial filing fee, we will reimburse you. If you cannot afford to  provision shall not be severable and this agreement to arbitrate between 
    pay any initial filing fees, we will pay them for you. We will pay any fees  you and us (except for this sentence) shall be null and void, provided that 
    or expenses that we are required to pay by law or the Rules or that we  such determination of unenforceability or illegality shall be subject to 
    are required to pay for this agreement to arbitrate to be enforced.   appeal. The parties acknowledge and agree that under no circumstances 
                                              will a class action, private attorney general action or other representative 
    The arbitrator will have the authority to award fees and costs of  action be arbitrated; and  
    attorneys, witnesses and experts to the extent permitted by the Rules,   
    this agreement to arbitrate, the Agreement, or applicable law. We will not    (B) if a Claim is brought seeking public injunctive relief and a 
    seek to recover from you any fees or expenses we pay on your behalf, or  court determines that the restrictions in the �Waiver of Jury Trial and 
    any attorney, witness or expert fees or other costs or expenses we incur  Class or Representative Action� provision or elsewhere in this agreement 
    in defending an individual arbitration commenced by you.  to arbitrate prohibiting the arbitrator from awarding relief on behalf of 
    Notwithstanding the foregoing, if the arbitrator finds that a Claim is  third parties are unenforceable with respect to such Claim (and that 
    frivolous or brought in bad faith or for an improper purpose, then the  determination becomes final after all appeals have been exhausted), the 
    payment of all fees, costs and expenses shall be determined by the  Claim for public injunctive relief will be determined in court and any 
    Rules.                                    individual Claims seeking monetary relief will be arbitrated.  In such a 
                                              case the parties will request that the court stay the Claim for public 
    What Law is Applicable?  You and we agree that our relationship  injunctive relief until the arbitration award pertaining to individual relief 
    includes transactions involving interstate commerce and that this  has been entered in court.  In no event will a Claim for public injunctive 
    agreement to arbitrate and any arbitration rule, proceeding and award  relief be arbitrated.  
    pursuant to the terms hereof, are governed by and enforceable pursuant   
    to the provisions of the Federal Arbitration Act (�FAA�) (9 U.S.C. � 1, et  DISPUTE RESOLUTION - JURY TRIAL WAIVER 
    seq.).  Notwithstanding anything to the contrary in the Agreement, to the  You and we agree that in the event that any Claim or dispute between us 
    extent that state law is applicable, including with respect to the  is not arbitrated but instead is resolved in court, you and we knowingly 
    interpretation and enforcement of this agreement to arbitrate, Missouri  and voluntarily waive the right to a jury trial to the full extent permitted by 
    law shall apply to the extent consistent with the FAA.  The arbitrator shall  applicable law. 
    decide the claim in accordance with applicable substantive law and the  __________________________________________ 
    terms of this Agreement, and shall apply all statutes of limitation and   
    honor attorney-client and other privileges.    If you have any questions regarding this Agreement, or our current fee 
                                              schedule, write to us at Commerce Bank, P.O. Box 411036, Kansas 
    How do I Opt Out of the Agreement to Arbitrate?  If you do not accept  City, MO 64141-1036, or call us at 1-800-645-2103. 
    this agreement to arbitrate, you may reject it (�opt out�). If you opt out,   
    neither you, nor we, will be subject to the requirement to resolve any  (Effective 2/26/2020) 
    claim by arbitration or any other provision of this section.     
                                               
    To opt out, you must send us written notice of your decision to reject this   
    agreement to arbitrate to the address set forth below. We must receive   
    your written notice by the later of: (i) May 1, 2020 or (ii) thirty (30) days   
    after we sent you this Agreement via US Mail, through electronic   
    disclosure, provided it to you in person, or by other reasonable delivery   
    method. Your written opt out notice must: (a) include a signed statement   
    that you reject the agreement to arbitrate set forth in this Agreement; (b)   
    include your name, address and the Account number you wish to opt out;   
    and (c) be sent to us at the following address: Commerce Bank, Attn:   
    ADR Credit Card Opt Out,  P.O. Box 414220, Kansas City, MO 64141-  
    4220.                                      
                                               
    This is the only way you can reject this agreement to arbitrate. If you opt   
    out, it will not affect any other terms of this Agreement, and it will not   
    adversely affect your Account or any relationship between you and us.    
    Your rejection of this agreement to arbitrate shall not be imputed to any   
    other person or entity or be deemed to be a rejection of this agreement   
    to arbitrate by any person or entity other than you.  Nor shall your   
    rejection of this agreement to arbitrate eliminate the obligation of other   
    persons or entities who wish to reject this agreement to arbitrate to   
    personally comply with the notice and time requirements of this opt-out   
    provision. The agreement to arbitrate is the only section of this   
    Agreement that you can opt out of.         
                                               
    Waiver of Jury Trial and Class or Representative Action.  UNLESS YOU   
    REJECT THIS AGREEMENT TO ARBITRATE IN ACCORDANCE   
    WITH THE TERMS OF THIS SECTION, YOU AND WE AGREE THAT   
    IF A CLAIM IS ARBITRATED, NEITHER YOU NOR WE WILL HAVE   
    THE RIGHT TO (i) PARTICIPATE IN A CLASS ACTION IN COURT OR   
    IN ARBITRATION, EITHER AS A CLASS REPRESENTATIVE OR   
    CLASS MEMBER, (ii) ACT AS A PRIVATE ATTORNEY GENERAL OR   
                                5 
     
                                               
                                                     OPTIONAL FEATURES 
                                               
                                                    
                                               
     
    Commerce Bank credit cards may come with optional credit card  regular savings, and money-market accounts to make payments on your 
                             SM    � payment features, including Special Connections  and toggle . The  Commerce credit cards, lines of credit or loans or (iii) take cash 
               SM    � Special Connections and toggle  features are offered at the sole  advances on your Commerce credit cards.   
    discretion of Commerce Bank (�Commerce�) to Accountholders (�You� or   
    �Your�) that have Qualified Commerce Bank Credit Card Accounts.  A  The account(s) you designate for ATM accessibility will be considered 
                                                          SM �Qualified Commerce Credit Card Account� means any open Account  your Special Connections  Feature at the ATM account(s) (each, a 
    that is not designated by Commerce as lost, stolen, fraud transferred,  �ATM Account�).  If you wish to designate one or more checking 
    credit revoked, closed, bankrupt, charged off, or in Consumer Credit  accounts as an ATM Account, then you must designate one of those 
    Counseling or recovery. By using these optional features, you  checking accounts as your Point of Sale Account as defined below.  In 
    acknowledge that you have read and accepted the Commerce Bank  order to have ATM access to your checking accounts, you must at all 
               SM                    SM Special Connections  terms and conditions (�Special Connections   times maintain a Point of Sale Account.  If you no longer have a Point of 
                                � Terms and Conditions�) and the Commerce Bank toggle  terms and  Sale Account, then you will lose ATM access to all of your checking 
              � conditions (�toggle  Terms and Conditions�) which shall govern your use  accounts.  
    of and rights under these optional features.   
                                              Commerce has no control over the functionalities offered at non-
                 SM                � The Special Connections  Terms and Conditions and toggle  Terms  Commerce ATMs.  Some or all of these features may not be available at 
    and Conditions are a separate agreement and are not part of your  all non-Commerce ATMs and some ATMs may allow you to perform 
    Agreement.                                other functions not mentioned here, including the ability to make 
                                              purchases (e.g. stamps).  If at any time you use a non-Commerce ATM 
                  SM SPECIAL CONNECTIONS  FEATURE  to request to take money from an account that you do not have or if the 
                        SM With this feature (�Special Connections  Feature�), and as permitted  non-Commerce ATM does not prompt you to select a specific account 
    from time to time, you may use your Card to access Commerce Bank  from which to take the money, then you agree that Commerce will 
               SM Special Connections  Feature-eligible deposit accounts, credit cards,   attempt to comply with your request by providing you with money from 
                                       SM lines of credit, and/or loans. You may request the Special Connections   one of your open ATM Accounts. Cash withdrawals may be taken from 
    Feature from a Commerce Bank branch, through Commerce Bank  any open deposit ATM Account owned by you and cash advances may 
    Online Banking, or from our Customer Service Department at 1-800-645- be taken from any credit card ATM Account owned by you. 
    2103. These features are not automatically activated.   
                                              Point of Sale Transaction 
                         �  �       � For customers with a Special Connections  Visa  or MasterCard  credit  You may designate one (1) checking account as your Special 
                          SM                        SM card, please note: The Special Connections  Feature is different from a  Connections  Feature at the point of sale account (�Point of Sale 
                       � Commerce Bank Special Connections  Visa or MasterCard credit card.   Account�).  At merchants that have agreed to accept the Card on 
                 SM                                                        SM The Special Connections  Feature allows you to add certain  networks utilized by us and support the Special Connections  Feature, 
    functionality to any Commerce Bank-issued credit card, including  you can use funds in your Point of Sale Account to pay for your 
                        � Commerce Bank�s Special Connections  Visa or MasterCard credit card.   purchases. The use of your Card in this manner constitutes a 
                      � However, your Special Connections  Visa or MasterCard credit card is  simultaneous withdrawal from and/or demand upon your checking 
                                SM not automatically enabled with the Special Connections  Feature.  You  account, even though the transaction may not actually be posted to your 
    must proactively enroll any credit card, including your Special  account until a later date. Merchants decide how to interact with the 
           �                                            SM Connections  Visa or MasterCard credit card, in the Special  Special Connections  Feature and the experience may vary. 
           SM Connections  Feature in order for that card to utilize the Special   
           SM Connections  Feature�s capabilities described herein.  Only Commerce checking accounts are eligible for this functionality and 
                                              only one (1) Commerce Bank checking account can be designated as 
    ELECTRONIC FUND TRANSFERS                 the Point of Sale Account at any one time.  Your Point of Sale Account 
    The following provisions apply only to electronic fund transfers (�EFTs�).   shall always remain as an ATM Account.  If at any time you instruct 
    EFTs are any transfer of funds initiated with your Card(s) at an ATM or  Commerce to remove the Point of Sale capabilities from your card, you 
    as a debit transaction at Point of Sale.  We can cancel these services at  will no longer have access to any of your checking accounts at the ATM.   
    any time and for any reason without notice.  We can also cancel your   
    entire Account, including credit card services, and revoke your Card(s)  ATM and Point of Sale transactions will post to your checking account(s) 
    as provided in the CANCELLATION paragraph above.  This may be  as detailed in your Deposit Agreement.    
    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  Foreign Transaction 
    you unless required by law.               For transactions occurring outside of the United States, the nature of 
                                              which is unspecified to us, we will apply the transaction to accounts in 
    TELEPHONE NUMBER AND ADDRESS TO BE NOTIFIED IN EVENT  the following order: checking, money-market, regular savings, 
    OF UNAUTHORIZED TRANSFER                  Commerce Visa or Commerce MasterCard. 
    Tell us AT ONCE if you believe your card has been lost or stolen, or if   
    you believe that an electronic fund transfer has been made without your  Limitation on Frequency of Transfers.  There are no limitations on the 
    permission using information from your check. Telephoning is the best  number of transfers that can be made during any time period to or from 
    way of keeping your possible losses down. You could lose all the money  any deposit account, except as provided by federal regulations limiting 
    in your account plus your maximum overdraft line of credit. If you tell us  preauthorized transfers. By federal regulation, you are limited during any 
    within 2 business days after you learn of the loss or theft of your card,  statement cycle to six preauthorized transfers (three of which may be by 
    you can lose no more than $50 if someone used your card without your  check, draft or similar order if the account is a money market-type 
    permission.                               account). 
                                               
    If you do NOT tell us within 2 business days after you learn of the loss or  Limitation on Dollar Amount of Transfers.  The balance available for 
    theft of your card, and we can prove we could have stopped someone  authorizing purchases and cash withdrawals is the lesser of 1) your 
    from using your card without your permission if you had told us, you  available deposit account balance, plus any credit available through an 
    could lose as much as $500.               overdraft protection line of credit or through any overdraft authorized by 
                                              us in our sole discretion, OR 2) daily dollar limitations. For cash 
    Also, if your statement shows transfers that you did not make, including  advances against a Commerce Bank credit card, you may withdraw cash 
    those made by card, code or other means, tell us at once. If you do not  up to the lesser of your credit line or daily dollar limitations. In addition, 
    tell us within 60 days after the statement was mailed to you, you may not  daily withdrawal frequency limitations may apply to cash advances. 
    get back any money you lost after the 60 days if we can prove that we  Dollar limitations may differ at ATMs other than ours. 
    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  Online Gambling.  You agree that you will not use your card for any 
    from telling us, we will extend the time period. By permitting another  purpose that has been deemed illegal. We reserve the right to deny 
    person to use the card, you authorize and are fully liable for any  authorization requests from online gambling merchants, whether or not 
    transactions that person initiates until that person�s authority is ended.  online gambling is illegal in the state in which you use your card. 
    You may only end that person�s authority by notifying us.    
                                              Reservations and Merchant Authorization.  Under certain 
    If you believe your card has been lost or stolen, or that someone has  circumstances, a merchant (e.g., hotel) may require the use of a card to 
    transferred or may transfer money from your account without your  guarantee reservations that may result in a hold on the available funds in 
    permission, call us at 1-800-617-7480 or write to us at Commerce Bank,  the account. If you cancel any guaranteed reservation made using the 
    PO Box 411036, Kansas City, MO 64141-1036. You should also call the  card, you must obtain a cancellation number. If you fail to do so, the hold 
    number or write to the address listed above if you believe a transfer has  placed for the guaranteed reservation will not be canceled and the 
    been made using the information from your check without your  amount will be held against the balance in the account. This may limit 
    permission.                               your future transactions. Further, if the merchant subsequently charges 
                                              the amount of the guaranteed reservation to the account, we will not be 
    TYPES OF AVAILABLE TRANSFERS AND LIMITS ON TRANSFERS  obligated to re-credit the account if you fail to obtain a cancellation 
    Account Access.  The following EFTs are only available if you request  number. In addition, authorizations issued for card transactions must be 
                 SM the Special Connections  Feature. Depending on the type of accounts  canceled when you initiate a card transaction and subsequently use 
    that Commerce determines from time-to-time are eligible for the Special  another form of payment for the transaction such as a credit card or 
           SM Connections  Feature as well as which of your accounts you choose to   cash, since failure to have the authorization canceled may also result in 
                       SM access using the Special Connections  Feature, you may use your Card  a hold on funds in the account and limit your future transactions. 
    to perform the following functions where otherwise permitted:    
                                              POINT OF SALE TRANSACTIONS 
    ATM Transaction                                                   SM The use of your card with the Special Connections  Feature to 
    At the ATM, insert your Card and enter the credit card PIN that you  purchase goods and services constitutes a simultaneous withdrawal from 
    established for this Card to (i) withdraw cash from, deposit money in,   and/or demand upon your checking account, even though the transaction 
    transfer funds between, or learn the balances in your checking, regular  may not actually be posted to your account until a later date. Any person 
    savings or money-market accounts; (ii) use funds from your checking,   or merchant honoring your card may be required to obtain approval or 
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    authorization for any transaction. When we approve a non-PIN  �  If the ATM where you are making the transfer does not have 
    transaction (which may or may not require your signature), we may  enough cash.  
    immediately reduce the available balance in your checking account by  �  If the terminal or system was not working properly and you knew     
    the authorization amount requested by the merchant even though we  about the breakdown when you started the transaction.  
     
    have not received the transaction electronically for payment, which may  �  If circumstances beyond our control (such as flood or fire) prevent 
    differ from the final posted amount.        the transfer, despite reasonable precautions that we have taken.  
                                              �  There may be other exceptions stated in our Agreement with you.  
    This authorization amount will not be available until our receipt of the   
    transaction OR no more than three business days after the transaction  ERROR RESOLUTION PROCEDURES 
    date, whichever first occurs. If funds are not available for checks, other  In case(s) of errors or questions about your EFTs, telephone us at 1-800-
    items or debits, you may be subject to overdraft or insufficient funds fees.  617-7480 or write us at Commerce Bank, PO Box 411036, Kansas City, 
    Transactions with your card will be posted to your account in the order  MO 64141-1036 as soon as you can, if you think your statement or 
    and with the same legal effect as checks or other debits drawn on your  receipt is wrong, or if you need more information about a transfer listed 
    account. You may use your card only in the manner and for the purposes  on the statement or receipt. We must hear from you no later than 60 
    authorized by this Agreement. We may recognize a transaction even if  days after we sent the FIRST deposit statement on which the problem or 
    we have not authorized it, but that does not mean we will authorize the  error appeared.  
    same type of transaction again. You do not have the right to stop  �  Tell us your name and account number.  
    payment on any transaction originated by use of your card with the 
                                              �  Tell us the name of the merchant, the transaction date and the  SM Special Connections  Feature, except recurring preauthorized transfers 
                                                dollar amount of the suspected error.  
    as described in this Agreement.  
                                              �  Describe the error or the transfer you are unsure about, and explain 
     
                                                as clearly as you can why you believe it is an error or why you need 
    Overdrafts. You are responsible for all authorized transactions initiated 
                             SM                 more information.  
    by use of your card with the Special Connections  Feature. If a negative 
                                              �  Tell us if you have already attempted to resolve the issue directly 
    balance (overdraft) in your checking account results from the use of the 
                     SM                         with the merchant.  
    card with the Special Connections  Feature, you will pay us on demand 
                                              �  If you tell us orally, we may require that you send your complaint or 
    this negative balance and our then current charge for overdrafts. If you 
                                                question in writing within 10 business days.  
    have an overdraft line of credit (Checking Plus) for an account, you are 
                                               
    bound by the rules and regulations that apply to that credit privilege 
                                              We will determine whether an error occurred within 10 business days 
    (Overdraft Protection). In addition, if your checking account is closed 
                                              after we hear from you and will correct any error promptly. If we need 
    before transactions are posted, you will pay us on demand the 
                                              more time, however, we may take up to 45 calendar days to investigate 
    outstanding amount. 
                                              your complaint or question. If we decide to do this, we will credit your 
     
                                              deposit account within 10 business days for the amount you think is in 
    FEES 
                                              error so that you will have the use of the money during the time it takes 
    Fees for all EFT services are disclosed in our fee schedule. You will 
                                              us to complete our investigation. If we ask you to put your complaint or 
    receive a fee schedule at account opening. You may request a copy of 
                                              question in writing and we do not receive it within 10 business days, we 
    our current fee schedule at any Commerce branch or by contacting 1-
                                              may not credit your deposit account.  
    800-453-2265. When you use an ATM not owned by us you may be 
                                               
    charged a fee by the ATM operator (or any network used) for a 
                                              For errors involving new accounts, point-of-sale, or foreign-initiated 
    transaction or for a balance inquiry even if you do not complete a fund 
                                              transactions, we may take up to 90 days to investigate your complaint or 
    transfer. 
                                              question. For new accounts, we may take up to 20 business days to 
     
                                              credit your account for the amount you think is in error.  
    RIGHT TO RECEIVE DOCUMENTATION OF TRANSFERS 
                                               
     
                                              We will tell you the results within three business days after completing 
    Terminal Receipts. You will get a receipt at the time you make any 
                                              our investigation. If we decide that there was no error, we will send you a 
    transfer to or from your deposit account using an ATM or electronic POS 
                                              written explanation. You may ask for copies of documents that we used 
    terminal.  
                                              in our investigation. 
     
                                               
    Preauthorized Credits. If you have arranged to have direct deposits  � TOGGLE  FEATURE 
    made to your deposit account at least once every 60 days from the same  � Commerce may add toggle  to any Qualified Commerce Visa or 
    person or company, you can call us at 1-800-746-8704 to find out 
                                              MasterCard Credit Card Account.  
    whether or not the deposit has been made.  
                                               
     
                                              DEMAND DEPOSIT ACCOUNT 
    Periodic Statement. You will get a monthly deposit statement if you 
                                              You may link up to two (2) demand deposit accounts (each, a �DDA�) to 
    have a deposit account upon which checks or drafts may be drawn. You         � Your Qualified Commerce Credit Card Account for the use of the toggle  
    will get a monthly deposit statement on your regular savings account if 
                                              payment feature. 
    there are electronic transfers during the month. In any case, you will get 
                                               
    a regular savings deposit statement quarterly. 
                                              If You link a Commerce DDA to Your Account, that DDA must be an 
     
                                              open checking account. You must have an ownership relationship to that 
    DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES 
                                              DDA in order to link it to Your credit card Account. Any person using the 
    We will disclose information to third parties about your account or the 
                                              Account and/or related Card(s) with the expressed or implied permission 
    transfers you make:  
                                              of any of the applicants (�Authorized Users�) will have access to the 
    �  Where it is necessary for completing transfers. Merchants with 
                                              linked DDA through the use of Your Account.  
       whom you�ve shared your account number may be updated with 
                                               
       new account information to ensure the continuation of your payment 
                                              Any DDA that has been designated by Commerce as having a 
       agreement.  
                                              garnishment, a closed-to-posting restriction, or has been forced to close 
    �  In order to verify the existence and condition of your account for a 
                                              by Commerce, will not be eligible to link to Your Account for the purpose 
       third party, such as a consumer reporting agency or merchant.   � of the toggle  payment feature. Small Business banking accounts will not 
    �  In order to comply with government agency or court orders.           � be eligible to link to Your Account for the purpose of the toggle  payment 
    �  If you give us your permission.        feature.  
    �  In accordance with our current Privacy Policy Notice.    
                                              If You link a non-Commerce DDA to Your Account, You must provide 
    RIGHT TO STOP PAYMENT OF PREAUTHORIZED TRANSFERS AND  Commerce with the account number and the routing information for that 
    PROCEDURES FOR DOING SO; RIGHT TO RECEIVE NOTICE OF  financial institution. Certain transaction restrictions may apply to such 
    VARYING AMOUNTS; AND OUR LIABILITY FOR FAILURE TO STOP  non-Commerce DDAs. Please refer to such bank�s terms and conditions 
    PAYMENT                                   of Your DDA for applicable fees, restrictions and/or limitations of Your 
    If you have told us in advance to make regular payments out of your  DDA.  
    deposit account, you can stop any of these payments. Here�s how: Call   
    us at 1-800-617-7480 or write us at Commerce Bank, PO Box 411036,  PAYMENT PREFERENCES 
    Kansas City, MO 64141-1036 in time for us to receive your request three  �Payment Preferences� means the selection of a category, setting and/or 
    business days or more before the payment is scheduled to be made. If  amount you choose to determine if a credit card purchase is to be paid 
    you call, we may also require you to put your request in writing and get it  for from your linked DDA or if it is to remain a part of your credit card 
    to us within 14 days after your call.     balance.  
                                               
    Notice of Varying Amounts. If these regular payments may vary in  � PAY NOW   
    amount, the person you are going to pay will tell you, 10 days before  � �Pay Now � means a credit card purchase that will be automatically paid 
    each payment, when it will be made and how much it will be. You may  for from Your DDA according to Your Payment Preferences. Any 
    choose to get this notice only when the payment would differ by more  purchase made by You or an Authorized User with Your Account, will be 
    than a certain amount from the previous payment, or when the amount  paid for from the DDA that has been linked to Your Account, and in 
    would fall outside certain limits that you set.   accordance with the Payment Preferences that have been selected by 
                                              the applicants of the Account. 
    Liability for Failure to Stop Payment of Preauthorized Transfers. If   
    you order us to stop one of these payments three business days or more  � When a toggle  credit is posted to your Account, we reserve the right to 
    before the transfer is scheduled, and we do not do so, we will be liable   � place a temporary hold on the available credit created by the toggle  
    for your losses or damages.                     � 
                                              credit. toggle does not, nor is it intended to, shorten the time frame in 
                                              which your available credit is replenished after a payment to your 
    Our Liability for Failure to Make Transfers. If we do not complete a  Account. 
    transfer to or from your deposit account on time or in the correct amount   
    according to our Agreement with you, we will be liable for your losses or  Purchases may take 1-2 business days to post to Your Account following 
    damages. However, there are some exceptions. We will not be liable, for  the date of Purchase. After the Purchase has posted to Your Account, an 
    instance:                                 ACH may take 1-2 business days to appear as a debit on Your DDA. 
    �  If through no fault of ours, you do not have enough money in your   
       account to make the transfer.          Payments are not applied to the required minimum payment due on Your 
    �  If the transfer would go over the credit limit on your overdraft line.   Statement each month. You will still have a required minimum payment 
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    due each month, which will appear on Your Statement and will be  This authorization is to remain in effect until Commerce has received 
                                                                               � subject to the terms of Your cardholder agreement.  electronic notice of termination from You. You may terminate toggle  
                                              electronically through Online Banking, or by contacting us at 1-800-645-
                                                    
    PAY LATER                                 2103. Your notice must be sent in such time and manner as to afford 
     
    �Pay Later� means any Purchase that is made with Your Account that will  Commerce Bank a reasonable opportunity to act upon the termination 
    not be automatically paid for from a DDA, and will become a part of your  (but in no event less than three business days). Commerce reserves the 
                                                             � outstanding credit card balance.   right to decline or cancel toggle  service at any time. 
    You may choose to use the Pay Later feature for Your Purchases by   
    choosing not to activate a specific Payment Preference, by deactivating   
    a previously chosen Payment Preference, by cancellation of a linked 
                        � DDA, or by the cancellation of the toggle  payment feature from Your 
    credit card Account. 
     
         � UNWIND  
         � �Unwind � means the ability to return funds that were used to pay for a 
                          � Purchase from Your DDA with the Pay Now  feature, and to have the 
    original Purchase placed back on to Your Account. 
     
                                � You will have up to 30 calendar days to use the Unwind  feature for a 
    Pay Now� feature Purchase. When the Purchase posts back to Your 
    Account, it will post with the original transaction date, and will be subject 
    to interest charges according to the terms of Your Cardholder 
    Agreement. We reserve the right to limit the total amount of your 
        � Unwind  feature requests from exceeding the available credit for Your 
    Account. 
     
    TOGGLE ON DEMAND� 
    �toggle On Demand�� means any credit card purchase that You 
    manually choose to be paid from either Your DDA or reward points after 
    the transaction posts to Your Account.  
     
    ACH RETURNS 
    If an ACH payment request is returned for any reason, the original 
    Purchase that initiated that ACH payment request will be posted back to 
    Your Account and will be due according to the terms of Your Agreement. 
     
    An ACH return for any reason will result in the deactivation of any active 
    Payment Preferences for the DDA that caused the return, and any other 
    DDA that might share an active Payment Preference. Your Payment 
    Preferences will remain deactivated until such time that you re-activate 
    Your Payment Preferences. 
     
    If Your Payment Preferences are not active, any pending and future 
    Purchases that previously matched that Payment Preference, will post to 
    Your Account and will not initiate an ACH payment request. These 
    Purchases will become a part of your outstanding credit card balance 
    with Commerce and will be due according to the terms of Your 
    Cardholder Agreement. 
     
    If You have linked a Commerce DDA to Your Account, any ACH 
    payment request that would result in an overdraft of Your DDA will be 
    returned to Your Account, and no overdraft or insufficient funds fees will 
    be assessed to You. If you have linked a non-Commerce DDA to Your 
    Account, You may be assessed overdraft and/or insufficient funds fees 
    according to that financial institution's deposit agreement. 
     
        � toggle  ALERTS 
    Commerce will use the email address provided by You at the time of the 
    Account(s) or Card(s) opening to notify you of important changes in 
              � regard to the toggle  payment feature for Your Account. You will not be 
    able to turn off these notifications. You agree that You are responsible 
    for maintaining a valid email address and agree to notify us of any 
    change in Your email address. You can change the email address for 
    account notification at any time through Commerce Online Banking. 
    Should delivery of the account notification be unsuccessful, it remains 
                         � Your responsibility to monitor Your toggle  Payment Preferences in a 
    timely manner from Commerce Online Banking.  
     
    GENERAL TERMS & CONDITIONS 
    You must be enrolled in a Commerce Rewards Program in order to 
    receive rewards for Your Purchases.  
     
    Commerce reserves the right, in its sole discretion, to suspend, cancel or 
             � modify the toggle  payment feature at any time and for any reason and 
    without prior notice.  
     
    Commerce reserves the right, in its sole discretion, to add, delete, 
                   � change or revise these toggle  Terms and Conditions including, but not 
                            � limited to, qualifications for participation in toggle .  
     
    Commerce reserves the right, in its sole discretion, to disqualify any 
                         � Accountholder from participation in toggle  in cases of actual or 
                             � suspected abuse, fraud, violations of these toggle  Terms and 
    Conditions or any actual or suspected abuse or fraud with respect to the 
    Account or DDA.  
     
    Neither Commerce nor its third-party service providers, their respective 
    employees, officers, affiliates or agents will be liable to You for any 
                                       � action or inaction any of them take or fail to take with respect to toggle  
                    �  or any changes to these toggle Terms and Conditions.  
     
    All trademarks, service marks and trade names used by Commerce for 
        �         � toggle , including the toggle  design are property of Commerce. No use 
    of these may be made without the prior written authorization of 
    Commerce.  
     
            �              � By using toggle , You agree to all of the toggle  features, limitations and 
                       �  restrictions contained in these toggle Terms and Conditions as well as 
    any additional terms and conditions contained in any programs, 
    promotions or transactions that may be offered to You from time-to-time 
    and any terms and conditions contained in any document issued to You 
    by Commerce.  
     
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