This Agreement is for your Account with Commerce Bank, and the Card(s) which has/have been given to you in connection with your Account.  Such Account and Card(s) provide you with credit card services and ATM Services.  �You� and �your� mean any applicant for the Account and any person using the Account and/or related Card(s) with the expressed or implied permission of any of the applicants.  Any person whose name appears on the Account for the Card(s) accompanying this Agreement consents, either by using or permitting another to use the Card(s), to all provisions of this Agreement.  �We�, �us� and �our� means Commerce Bank, our successors and assigns.   
 
In this Agreement: 
Account is your credit card account. 
Annual Fee is a fee charged on a yearly basis for your continued use of the Account. 
APR is Annual Percentage Rate. 
ATM is Automated Teller Machine. 
Business Days are Monday through Friday.  Federal holidays are not included. 
Card is the credit card(s) given to you in connection with your Account. 
Cash Advance includes: 
� Non-Overdraft Cash Advance � advance made by means of an electronic device or machine, or a financial institution teller, or for the purchase of wire transfers, non-U.S. currency, travelers� checks, money orders, lottery tickets and casino gaming chips. 
� Overdraft Cash Advance � advance made by means of overdraft protection. 
� Balance Transfer � advance made when transferring a balance from another creditor to your Account. 
� Convenience Check � check used to make a Cash Advance on your Account. 
Cash Limit is the maximum dollar amount of your Revolving Credit Line available for Non-Overdraft Cash Advances. 
Charges are costs imposed as part of this Agreement and include both interest and fees.   
Daily Balance is determined, for each day in the billing cycle, by taking the beginning balance, adding any new transactions or other debits, and subtracting any payments or other credits. 
Daily Periodic Rate is the APR divided by 365. 
Fees are non- interest Charges, including transaction fees.  
Grace Period means the period of time during a billing cycle when you will not accrue Interest Charges on certain transactions or balances. 
Interest Charges are the portion of Charges attributed to periodic interest rates. 
Participation Fee is a fee charged for added service or functionality on your Account. 
PIN is Personal Identification Number. 
Prime Rate is the U.S. Prime Rate published in The Wall Street Journal in its column called �Money Rates� on the last Business Day of each month. 
Promotional Balance is the balance subject to the Promotional Rate.  Balances subject to Introductory Rates are included. 
Promotional Rate is a rate other than the standard rate, tied to a special offering.  A Promotional Rate offered when you open your Account may be called an Introductory Rate. 
Purchase means purchase of merchandise or services on the Account plus related Charges and does not include any type of Cash Advance, Cash Advance Transaction Fees or Cash Advance Interest Charges. 
Revolving Credit Line is the maximum dollar amount of your Account balance you can carry over from month to month. 
Statement is your billing statement. 
 
CREDIT CARD SERVICES 
The following provisions relate only to credit card services except as otherwise applicable. 
 
ACCOUNT DESCRIPTION 
We will grant you a Revolving Credit Line as determined by us.  Your Revolving Credit Line is the maximum dollar amount of your Account balance you can carry over from month to month.  Your Revolving Credit Line will be indicated on your Statement. 
Your Account is also subject to a No Pre Set Spending Limit.  No Pre Set Spending Limit does not mean unlimited spending; rather each charge that causes your Account balance to exceed your Revolving Credit Line will be evaluated by us based on several factors.  These factors include, but are not limited to, Account usage and performance, payment resources, other Account relationships with us, if applicable, and your experience with other creditors. 
Your Account is subject to a Cash Limit equal to the amount of your Revolving Credit Line less outstanding balances, including Fees and Interest Charges.  Your outstanding balance will limit Cash Advance availability.  The Cash Limit does not apply to Overdraft Cash Advances.  Overdraft Cash Advances will be subject to the term of the Account�s No Pre Set Spending Limit. 
We may increase, reduce or cancel your Revolving Credit Line and/or Cash Limit at any time without prior notice or liability.  A change to your Revolving Credit Line and Cash Limit will not affect your obligation to pay us. 
 
We may decline, at any time in our sole discretion, an authorization request for any transaction for any reason, included but not limited to:                                              
�  operational considerations, 
� your Account is in default, 
�  we suspect fraudulent or unlawful activity 
 
We may also request additional information from you at any time to evaluate a transaction request or your use of the Account generally. 
 
We are not responsible for any losses or damages, including consequential damages, if a transaction on your Account is declined, either by us or a third party, even if you have sufficient credit available. 
 
PROMISE TO PAY 
You promise to pay for all Purchases and Cash Advances, including Balance Transfers and Convenience Checks, made by you through the use of the Account.  In addition, you promise to pay all other amounts owed due to use of the Account by anyone else you authorize to use the Account until such person�s authority is ended.  You may only end such person�s authority by notifying us in writing and returning to us any Card such person may have.  All of you are responsible, both together and individually, for the entire Account balance even though only one of you uses the Account. 
 
BILLING STATEMENTS 
You will receive a Statement periodically (normally monthly).  Your payment is due within 25 days from the date of the Statement (payment due date). 
 
PAYMENT OPTIONS 
You may pay the new balance shown on your Statement each month or you may pay in monthly installments.  If you decide to pay in monthly installments, you must pay at least the minimum payment on your Statement.  The minimum payment includes any amount that exceeds your Revolving Credit Line plus the greater of: 
 
. $30.00 or the full amount of your total balance if it is less than $30.00; or 

. 3.00% of your new balance (or your Revolving Credit Line if your new balance exceeds your Revolving Credit Line) plus any amounts that are past due; or 

. 1.00% of your new balance (or your Revolving Credit Line if your new balance exceeds your Revolving Credit Line) plus any amounts that are past due, plus Fees (excluding Balance Transfer and/or Convenience Check Fees) and Interest Charges accumulated during the billing period. 


   
When a payment is posted to your Account, we reserve the right to restrict or delay all or part of the available credit created by the payment.  The restriction or delay of the available credit is for risk management or other related purposes, including but not limited to protection against actual or potential fraudulent activities or unauthorized transactions.  
 
OVERDRAFT PROTECTION 
If you select overdraft protection, a Cash Advance will be made to cover an overdraft in your designated Commerce Bank deposit account.  Such Overdraft Cash Advances will be in the amount of $50.00 or multiples of $50.00.  If the designated deposit account is a joint account, you will be liable for all overdrafts on the account regardless of which joint account owner caused, or benefited from the overdraft.  Each Overdraft Cash Advance is at our discretion.  We are not liable or responsible for any check drawn that may for any reason be returned or otherwise dishonored.  We may cancel this overdraft feature at any time without notice. 
 
BALANCE ON WHICH INTEREST CHARGE IS CALCULATED 
If you accrue any Interest Charge on your Account at a variable rate, that rate will be calculated by adding a margin to the Prime Rate.  Please see the ACCOUNT OPENING DISCLOSURE, which is part of this Agreement, for specific information regarding the APRs used to compute your Interest Charges. 
 
We calculate your Daily Balance for each day in the billing cycle by taking your beginning balance, adding any new transactions or other debits, and subtracting any payments or other credits.  We multiply the Daily Balance by the Daily Periodic Rate to get your Interest Charges for that day.  We add these Interest Charges to your Daily Balance to get the beginning balance for the next day.  We do this for all days on which you have a balance owing on the Account, disregarding any credit balance, for the billing cycle. 
 
We add all the daily Interest Charges and round the sum to the next highest cent to get your total Interest Charges for that billing cycle.  We do this calculation separately for each type of balance. 
 
The Prime Rate used to determine the APR on your Account is the U.S. Prime Rate published in The Wall Street Journal in its column called �Money Rates� on the last Business Day of each month.  Although each Daily Periodic Rate is determined by an index published prior to the first day of each calendar month, the respective Daily Periodic Rate will only become effective and charged as of the first day of the monthly billing period following the respective calendar month in which the index is so published.  No representation is made that the U.S. Prime Rate is the lowest, the best or the favored rate of interest.  If for any reason The Wall Street Journal no longer publishes the "Money Rates" column, then we will choose a new index based on comparable information.  An increase in the Prime Rate will cause your interest rate to increase and may cause your minimum monthly payment to increase. 
 
INTEREST CHARGE COMPUTATION 
. ON PURCHASES:  Interest Charges on Purchases begin to accrue on the transaction date, provided such date will never be later than the date the Purchase is posted to the Account or earlier than the first day of the billing cycle for the Statement on which such transaction is shown.  Purchases are subject to a Grace Period.  If the previous balance is zero, or was paid in full by the payment due date shown on your Statement, no Interest Charge will be assessed on current Purchases. 


 
. ON CASH ADVANCES:  Interest Charges begin to accrue on the date of the Cash Advance, provided such date will never be later than the date the Cash Advance is posted to the Account or earlier than the first day of the billing cycle for the Statement on which such advance is shown.   


 
TOTAL INTEREST CHARGE COMPUTATION 
We add Interest Charges for each type of balance to obtain your total Interest Charge for each billing cycle.   
 
PENALTY RATE AND WHEN IT APPLIES 
If at any time we have not received the required minimum monthly payment within 60 days of the respective payment due date, we may increase the applicable APR to the Penalty Rate. Please see the ACCOUNT OPENING DISCLOSURE for information regarding the Penalty Rate for your Account.  The Account may be eligible for your standard Daily Periodic Rates and corresponding APR for each type of balance after you have met the terms of this Agreement for six consecutive billing cycles after the monthly Statement on which the Penalty APR first appears.  Otherwise, the Penalty Rate may apply indefinitely. 
   
TERMINATION OF INTRODUCTORY OR PROMOTIONAL RATES 
If during an Introductory or Promotional Rate period, we have not received the required minimum monthly payment within 60 days of the respective payment due date, we will increase the applicable APR to the Penalty APR.  Introductory and/or Promotional Rates will not be reinstated. 
 
FEES 
 
Transaction, Annual and Penalty Fees:   
Please see the ACCOUNT OPENING DISCLOSURE for information regarding the specific Fees that may be charged to your Account. 
 
Minimum Interest Charge 
A minimum Interest Charge will be imposed in any billing cycle for which an Interest Charge is payable, and will appear on your Statement as a Fee. 
 
Balance Transfer Or Convenience Check Transaction Fee 
You will be charged a Transaction Fee, with a minimum and no maximum, for each Balance Transfer and/or Convenience Check posted to your Account. 
 
Non Overdraft Cash Advance Transaction Fee 
You will be charged a Transaction Fee, with a minimum and no maximum, for each Cash Advance posted to your Account. 
 
Overdraft Cash Advance Transaction Fee 
You will be charged a Transaction Fee for each Cash Advance resulting from the overdraft protection. 
 
Annual Fee 
Your Account may have a Fee that will be added annually to your Account (Annual Fee).  Please see the ACCOUNT OPENING DISCLOSURE for information regarding the specific fee, if any, for your Account. 
The imposition or payment of an Annual Fee does not affect or limit our right to terminate this Agreement, cancel your Account, and demand payment, in a manner permitted by law, of any amounts owed on your Account. 
 
Foreign Transactions 
Please see the ACCOUNT OPENING DISCLOSURE for information regarding the specific Fees that may be charged to your Account related to foreign transaction. 
 
Visa and MasterCard Purchases, cash withdrawals and Cash Advances made in currencies other than U.S. Dollars will be converted to U.S. Dollars under regulations established by VISA� International and MasterCard� International.  Visa conversion will be at a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Visa itself receives or the government-mandated rate in effect for the applicable central processing date.  MasterCard conversion will be at a rate selected by MasterCard, typically either a government-mandated rate or a wholesale rate provided to MasterCard.  Conversion to U.S. dollars may occur on a date other than the date of the transaction.  Therefore, the conversion rate may be different from the rate in effect at the time of the transaction.  You agree to pay the converted amount plus the applicable foreign transaction fee.  For Purchases, cash withdrawals, and Cash Advances made in U.S. dollars outside of the United States and its territories, you agree to pay the transaction amount, plus the applicable foreign transaction fee. 
 
Late Payment Fee 
For each payment not received by the payment due date, we may charge a Late Payment Fee.  The first time you are late making the required minimum monthly payment (�First Occurrence�), a $25 Late Payment Fee may be imposed.  After the First Occurrence, if you make a late payment at anytime during the next six billing cycles (�Second Occurrence�), a $35 Late Payment Fee may be imposed.  After the Second Occurrence, any subsequent late payment during the next six billing cycles will also incur a $35 Late Payment Fee.  At no time will the Late Payment Fee exceed the amount of the required minimum monthly payment. 
 
Other Fees 
 
Returned Payment Fee 
No Fee will be charged for any check or other form of payment sent to us which is returned unpaid. 
 
Returned Item Fee 
If we decline to honor a Convenience Check or when payment of a Convenience Check is stopped at your request, we may charge a Returned Item Fee.  The first time we decline to honor a Convenience Check or when payment of a Convenience Check is stopped at your request (�First Occurrence�), a $25 Returned Item Fee may be imposed.  After the First Occurrence, if we decline a Convenience Check or you request stop payment of a Convenience Check at anytime during the next six billing cycles (�Second Occurrence�), a $35 Returned Item Fee may be imposed.  After the Second Occurrence, any subsequent declined Convenience Check or stop payment of a Convenience Check during the next six billing cycles will also incur a $35 Returned Item Fee.  At no time will the Returned Item Fee exceed the amount of the Convenience Check. 
 
Convenience Checks and Document Copy Charges 
Charges for Convenience Checks and requests for copies of sales drafts, Statements or other documents related to your Account may be billed on your Account as Purchases in accordance with the fee schedule established by us from time to time.  No charge will be made for copy requests related to billing error resolution within 60 days of the disputed transaction. 
 
TOTAL FEE COMPUTATION 
We add all Fees assessed to obtain your total Fees for each billing cycle (excluding Balance Transfer and/or Convenience Check Fees).  We will assess Balance Transfer Fees and/or Convenience Check Fees to your Account in the same balance category to which the transaction is posted.   
 
CANCELLATION 
To the extent permitted by law, Commerce Bank may cancel your Account, refuse to allow further transactions against your Account or revoke your Card(s) at any time (whether or not you are in default of any part of this Agreement) including, without limitation, when any affiliation you may have with a sponsoring organization ceases or when any agreement we may have with the sponsoring organization is terminated.  Cancellation of your Account will not affect your liability to us for credit we have extended to you, including amounts not yet billed to your Account.  We may cancel your Account without prior notice or liability.  You must surrender the Card(s), either upon a direct request by us, or any other bank or merchant who is acting upon our instructions. 
 
CONDITIONS OF DEFAULT 
We may consider you to be in default if we do not receive a required payment when due, including the minimum payment by the date shown on your Statement; you fail to comply with the terms of this Agreement; you make any false or misleading statements or omissions on your application; you file a bankruptcy petition or have one filed against you; we obtain information that causes us to believe that you may be unwilling or unable to pay your debts to us or to others on time including, but not limited to, your failure to make any payment to us on any other indebtedness or loan; you are declared incompetent by a court or a court appoints a guardian/ conservator for you or your assets; you die. 
 
If we consider your Account to be in default, we may close your account without notice and require you to pay the balance in a manner permitted by law (subject to applicable law regarding notice or right to cure).  To the extent permitted 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 this Agreement. 
 
ALLOCATION OF PAYMENTS 
We will allocate your minimum payment in the manner we determine.  We will apply the amount in excess of the minimum payment to balances with higher APRs before balances with lower APRs. 
 
RECEIPT OF PAYMENTS 
Payments received before 5 PM CT at the address shown on your Statement on any of our regular Business Days will be posted as of the date of receipt.  Payments made in person before the close of business to an employee at a Commerce branch will be posted as of date of receipt.  Payments mailed to the address shown or made in person at a branch must be accompanied by the Account number or payment stub, and in the form of a check or money order in U. S. Dollars drawn on a U. S. financial institution.  Do not send cash through the mail. A delay in crediting the payment to your Account may occur if the payment does not meet these requirements for making payments (conforming payments). In no case shall such delay exceed five days from receipt of such payment. 
 
The cutoff time for payments made on any of our regular Business Days through Commerce as transfers from your Commerce deposit account are as follows:  Commerce ATM, 7:00 PM CT; Commerce Online Banking, including Mobile Banking, 7:00 PM CT; Commerce Account Information Line, 7:00 PM CT; Commerce BankCards Online, 11:00 PM CT; Commerce Collections Department, 11:00 PM CT. A payment made through Commerce Online Bill Pay will be posted on the Pay Date. 
 
Conforming payments received after the respective cutoff time will be posted no later than the next Business Day.  Payments made by a third-party payor, will be posted as of the date we receive the payment. 
 
When the due date falls on a weekend or holiday, your payment due date will be on the next Business Day. 
 
We may accept late payments, partial payments or checks and money orders (or accompanying written communication) containing a statement to the effect that the instrument was tendered as "payment in full," full satisfaction of a disputed claim or other similar language without losing any rights under this Agreement or under the law.  All such payments or written communications must be mailed to:  Commerce Bank, P.O. Box 410857, Kansas City, MO 64141-1857. 
 
CHANGE OF TERMS 
Provided the Account is meeting the terms of this Agreement:  (1) We will not increase an Introductory APR during any Introductory Rate period; and (2) We will not increase any APR, Annual Fee or minimum Interest Charge for 12 months following account opening, except for increases due to the expiration of an Introductory or Promotional Rate period, if any;  changes in the Prime Rate; completion or failure of a temporary hardship arrangement; application of a Penalty Rate; or the end of military service to which  the provisions of the Servicemembers Civil Relief Act (SCRA) apply. (�Exceptions�).  Otherwise, we may change the terms of the Agreement at any time, after notice and the right to reject if required by law.   Changes in any APR, other than the stated Exceptions, Annual Fee or minimum Interest Charge will apply to new transactions created after the end of the 14th day following our providing notice to you.    If you reject a change, your Account will be cancelled and you will no longer be able to use the Account.   
Cancellation of your Account will not affect your liability to us for credit we have extended to you, including amounts not yet billed to your Account. 
 
ELECTRONIC RECORDS 
You agree that this document and all paper records related to your Account and whether or not the other paper records were submitted, received or obtained in advance of, contemporaneously with or subsequent to, the delivery of this document may, at the option of Commerce Bank, be converted by any digital or electronic method or process to an electronic record or subsequently further converted or migrated to another electronic record format or electronic storage medium.  You further agree that upon conversion to an electronic record as authorized herein such electronic record shall be the record of the transaction and the electronic record shall have the same legal force and effect as the paper documents from which it was converted.  You waive any legal requirement that any documents digitally or electronically converted be embodied, stored, or reproduced in a tangible media.  You undersigned and agree that a printed or digitally reproduced copy of the electronic record shall be given the same legal force and effect as a signed writing.  In addition, you authorize and agree to destruction of the paper documents by Commerce Bank upon conversion of the paper documents to a digital or electronic record. 
 
PERMISSION TO CONTACT 
You agree, in order for us to service your account or to collect any amounts you may owe, we may contact you by telephone at any telephone number associated with your account, including wireless telephone numbers, which could result in charges to you. We may also contact you by sending text messages or emails, using any telephone number or email address you provide to us.  You consent and acknowledge that methods of contact may include using pre-recorded/artificial voice message and/or use of an automatic dialing device, as applicable.  You further consent and agree that our personnel may listen to and/or record phone calls between you and our representatives without additional notice to you, including but not limited to calls we make to service your account or collect debt(s).  
 
MISCELLANEOUS PROVISIONS 
You also agree that: 
. We may refuse to extend credit to you or anyone using your Account or Card(s). 

. We will not be liable or responsible for anyone�s refusal to honor your Card(s). 

. Each Account you have with us is separate from any others you have with us, and Interest Charges will be charged on each Account�s balance at the APR given with each Cardholder  Agreement.  Each individual Account will be designated by an individual Account number. 

. Your Card(s) are Commerce Bank property. 

. We may change the premium enhancements offered at any time without further notice to you. 

. Merchants with whom you�ve shared your Account number may be updated with new Account information to ensure the continuation of your payment agreement. 

. You will not use your Card(s) for any purpose that has been deemed illegal.  We reserve the right to deny authorization requests from online gambling merchants, whether or not online gambling is illegal in the state in which you reside. 

. Commerce Bank may share your Account experience and transaction information with its Affiliates, which are members of the Commerce Corporate family as defined in your Privacy Policy Notice.  Unless you call 1-800-543-4845, you agree that Commerce Bank and its Affiliates may also share other information about you or your Account. 

. You must notify us immediately at Commerce Bank, P.O. Box 411036, Kansas City, MO 64141-1036, if you believe any information we reported to a credit reporting agency is inaccurate. 


 
SECURITY INTEREST 
Collateral securing other loans with us may also secure this indebtedness. 
 
CHANGES IN ADDRESS 
You agree to notify us immediately if you change your address. 
 
INTERPRETATION 
The Agreement shall be governed by applicable federal law and regulations.  To the extent not preempted by applicable federal law, this Agreement shall be  governed by the laws of the state of Missouri, but Commerce Bank will rely on the provisions of Nebraska law with respect to the fees and charges (other than interest) that apply to your Account, as authorized by Missouri Revised Statutes Section 408.145.  
 
Your Billing Rights: Keep this Document for Future Use 
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 
 
What To Do If You Find A Mistake On Your Statement 
If you think there is an error on your Statement, write to us at: 
Commerce Bank, P.O. Box 411036, Kansas City, MO 64141-1036 
You may also send us this information via fax at 1-816-234-2811 
 
In your letter, give us the following information: 
. Account information: Your name and Account number. 

. Dollar amount: The dollar amount of the suspected error. 

. Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 


You must contact us: 
. Within 60 days after the error appeared on your Statement. 

. At least 3 Business Days before an automated payment is scheduled, if you want to 


stop payment on the amount you think is wrong. 
You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. 
 
What Will Happen After We Receive Your Letter 
 
When we receive your letter, we must do two things: 
1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 
 
2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 
 
While we investigate whether or not there has been an error: 
. We cannot try to collect the amount in question, or report you as delinquent on that amount. 

. The charge in question may remain on your Statement, and we may continue to charge you interest on that amount. 

. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 

. We can apply any unpaid amount against your credit limit. 


 
After we finish our investigation, one of two things will happen: 
. If we made a mistake: You will not have to pay the amount in question or any Interest Charges or other Fees related to that amount. 


 
. If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable Interest Charges and Fees. We will send you a Statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. 


 
If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. 
 
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 
 
Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
 
If you are dissatisfied with the goods or services that you have Purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the Purchase. 
 
To use this right, all of the following must be true: 
 
1. The Purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your Purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 
 
2. You must have used your credit card for the Purchase. Purchases made with Cash Advances from an ATM or with a check that accesses your credit card Account do not qualify. 
 
3. You must not yet have fully paid for the Purchase. 
 
If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us in writing at: 
 
Commerce Bank P.O. Box 411036, Kansas City, MO 64141-1036 
 
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
 
LIABILITY FOR UNAUTHORIZED USE 
If your name appears on the Account for the Card(s) accompanying this Agreement, then by using or permitting another to use the Card(s) and/or PIN, you agree to all the provisions of this Agreement, including, but not limited to your promise to pay.  You will not be liable for unauthorized use that occurs after you notify Commerce Bank orally or in writing.  Notification of loss, theft or possible unauthorized use may be mailed to Commerce Bank, P.O. Box 411036, Kansas City, MO 64141-1036, or you may call 1-800-645-2103. 
 
SPECIAL CONNECTIONS FEATURE (OPTIONAL) 
With the Special ConnectionsSM Feature, and as permitted from time to time, you may use your Card to access Commerce Bank Special Connections Feature-eligible deposit accounts, credit cards, lines of credit, and/or loans. You may request the Special Connections Feature from a Commerce Bank branch, through Commerce Bank Online Banking, or from our Customer Service Department at 1-800-645-2103. These features are not automatically activated. 
 
For customers with a Special Connections� Visa� or MasterCard� credit card, please note: The Special Connections Feature is different from a Commerce Bank Special Connections Visa or MasterCard credit card.  The Special Connections Feature allows you to add certain functionality to any Commerce Bank-issued credit card, including Commerce Bank�s Special Connections Visa or MasterCard credit card.  However, your Special Connections Visa or MasterCard credit card is not automatically enabled with the Special Connections Feature.  You must proactively enroll any credit card, including your Special Connections Visa or MasterCard credit card, in the Special Connections Feature in order for that card to utilize the Special Connections Feature�s capabilities described herein. 
 
ELECTRONIC FUND TRANSFERS 
The following provisions apply only to Electronic Fund Transfers (�EFTs�).  EFTs are any transfer of funds initiated with your Card(s) at an ATM or as a PIN-based debit transaction (�Point of Sale�).  We can cancel these services at any time and for any reason without notice.  We can also cancel your entire Account, including credit card services, and revoke your Card(s) as provided in the CANCELLATION paragraph above.  This may be done by an ATM or merchant not returning your Card(s) to you.  We may change the terms of this Agreement relating to EFTs without notice to you unless required by law. 
 
WHAT CONSTITUTES BANK�S BUSINESS DAY 
Our Business Days are Monday through Friday.  Federal holidays are not included. 
 
DISCLOSURE OF CONSUMER�S LIABILITY FOR UNAUTHORIZED TRANSFERS AND ADVISABILITY OF PROMPT REPORTING 
Tell us AT ONCE if you believe your Card(s) has/have been lost or stolen or if you believe that an EFT has been made without your permission.  Telephoning is the best way of keeping your possible losses down.  You could lose all the money in your deposit account plus your maximum overdraft line of credit.  If you tell us within two Business Days after you learn of the loss or theft of your Card, you can lose no more than $50 if someone used your Card without your permission. 
 
If you do NOT tell us within two Business Days after you learn of the loss or theft of your Card, and we can prove that we could have stopped someone from using your Card and making transfers from your deposit account without your permission if you had told us, you could lose as much as $500. 
 
Also, if your deposit statement shows transfers that you did not make, including those made by Card, code or other means, tell us at once.  If you do not tell us within 60 days after the deposit statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.  If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods at our discretion. 
 
TELEPHONE NUMBER AND ADDRESS TO BE NOTIFIED IN EVENT OF UNAUTHORIZED TRANSFER OR LOST/STOLEN CARD 
If you believe your Card has been lost or stolen, call:  1-800-645-2103 or write:  Commerce Bank, P.O. Box 411036, Kansas City, MO 64141-1036.  If you believe that someone has transferred, or may transfer money from your deposit account without your permission, call or write us at the phone number or address shown at the top of your deposit statement rather than the phone number and address in this paragraph. 
 
Account Access.  The following EFTs are only available if you request the Special Connections Feature. Depending on the type of accounts that Commerce determines from time-to-time are eligible for the Special Connections Feature as well as which of your accounts you choose to access using the Special Connections Feature, you may use your Card to perform the following functions where otherwise permitted:  
 
ATM Transaction 
At the ATM, insert your Card and enter the credit card PIN that you established for this Card to (i) withdraw cash from, deposit money in, transfer funds between, or learn the balances in your checking, regular savings or money-market accounts; (ii) use funds from your checking, regular savings, and money-market accounts to make payments on your Commerce credit cards, lines of credit or loans or (iii) take cash advances on your Commerce credit cards.   
 
The account(s) you designate for ATM accessibility will be considered your Special Connections Feature at the ATM Account(s) (�ATM Account�).  If you wish to designate one or more checking accounts as an ATM Account, then you must designate one of those checking accounts as your Point of Sale 
Account as defined below.   In order to have ATM access to your checking accounts, you must at all times maintain a Point of Sale Account.  If you no longer have a Point of Sale Account, then you will lose ATM access to all of your checking accounts.  
 
Commerce has no control over the functionalities offered at non-Commerce ATMs.  Some or all of these features may not be available at all non-Commerce ATMs and some ATMs may allow you to perform other functions not mentioned here, including the ability to make purchases (e.g. stamps).  If at any time you use a non-Commerce ATM to request to take money from an account that you do not have or if the non-Commerce ATM does not prompt you to select a specific account from which to take the money, then you agree that Commerce will attempt to comply with your request by providing you with money from one of your open ATM Accounts. Cash withdrawals may be taken from any open deposit ATM Account owned by you and cash advances may be taken from any credit card ATM Account owned by you. 
 
Point of Sale Transaction 
You may designate one (1) checking account as your Special Connections Feature at the Point of Sale Account (�Point of Sale Account�).  At merchants that have agreed to accept the Card on networks utilized by us, you can use funds in your Point of Sale Account to pay for your purchases. When prompted, select �DEBIT� at the point of sale and enter your credit card PIN that is tied to this Card. The purchase amount will be deducted from your Point of Sale Account. The use of your Card in this manner constitutes a simultaneous withdrawal from and/or demand upon your checking account, even though the transaction may not actually be posted to your account until a later date.  
 
Only Commerce checking accounts are eligible for this functionality and only one (1) Commerce Bank checking account can be designated as the Point of Sale Account at any one time.  Your Point of Sale Account shall always remain as an ATM Account.  If at any time you instruct Commerce to remove the Point of Sale capabilities from your card, you will no longer have access to any of your checking accounts at the ATM.   
 
ATM and Point of Sale transactions will post to your checking account(s) as detailed in your Deposit Agreement.    
 
Foreign Transaction 
For transactions occurring outside of the United States, the nature of which is unspecified to us, we will apply the transaction to accounts in the following order: checking, money-market, regular savings, Commerce Visa or Commerce MasterCard. 
 
Limitation on Frequency of Transfers.  There are no limitations on the number of transfers that can be made during any time period to or from any deposit account. 
. Point of sale transactions using a credit card PIN to access a checking account:  Unlimited. 

. ATM withdrawals or deposits:  Unlimited. 


 
Limitation on Dollar Amount of Transfers.  The balance available for authorizing PIN purchases and cash withdrawals is the lesser of 1) your available deposit account balance, plus any credit available through an overdraft protection line of credit or through any overdraft authorized by us in our sole discretion, OR 2) daily dollar limitations.  For Cash Advances against a Commerce Bank credit card, you may withdraw cash up to the lesser of your available credit line or daily dollar limitations.  In addition, daily withdrawal frequency limitations may apply to Cash Advances.  Dollar limitations may differ at non-Commerce ATMs. 
 
POINT OF SALE TRANSACTIONS 
You may use your Card only in the manner and for the purposes authorized by this Agreement.  Any person honoring your Card may be required to obtain approval or authorization for any transaction.  We may recognize a transaction even if we have not authorized it, but that does not mean we will authorize the same type of transaction again.  You do not have the right to stop payment on any point-of-sale card transaction originated by use of your Card. 
 
If an overdraft in your deposit account results from the use of the Card, you will pay us on demand this negative balance and our then current charge for overdrafts.  In addition, if your deposit account is closed before transactions are posted you will pay us on demand the outstanding amount. 
 
CHARGES FOR TRANSFERS OR RIGHT TO MAKE TRANSFERS 
With the following exceptions, there will be no ATM charge for validation of your Card or for any transfer, withdrawal, or balance inquiry or credit card Cash Advance initiated by the use of your Card at Commerce Bank ATMs.  We will charge you $2.00 for each transfer, withdrawal, or balance inquiry you make at non-Commerce ATMs; however, there will be no ATM charge by us for credit card Cash Advances.  If your account is a regular savings account and you make more than three withdrawals or transfers during the deposit statement cycle, we will charge $1.00 for each withdrawal or transfer over three. 
 
FEES CHARGED BY OTHERS 
When you use an ATM not owned by us you may be charged a fee by the ATM operator (or any network used) and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer. 
 
RIGHT TO RECEIVE DOCUMENTATION OF TRANSFERS 
Terminal Receipts.  You may choose to get a receipt at the time you make a transfer to or from your account using one of our ATMs. 
Periodic Statement.  You will get a monthly deposit statement if you have an account upon which checks or drafts may be drawn.  You will get a monthly deposit statement on your regular savings account if there are electronic transfers during the month.  In any case you will get a regular savings deposit statement at least quarterly. 
 
DISCLOSURE OF BANK�S LIABILITY FOR FAILURE TO MAKE TRANSFERS 
If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages.  However, there are some exceptions.  We will not be liable, for instance: 
. If through no fault of ours, you do not have enough money in your account to make the transfer. 

. If the transfer would go over the credit limit on your overdraft line. 

. If the ATM where you are making the transfer does not have enough cash. 

. If the terminal or system was not working properly and you knew about the breakdown when you started the transaction. 

. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken. 

. There may be other exceptions stated in our agreement with you. 


 
DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES 
We will disclose information to third parties about your account or the transfers you make: 
. Where it is necessary for completing transfers; or 

. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or 

. In order to comply with government agency or court orders; or 

. If you give us your written permission. 


 
ERROR RESOLUTION PROCEDURES 
These procedures are only for errors or questions you have about EFTs from your deposit account(s).  If you have questions, or there are errors in connection with your credit card services on this Account, follow the error resolution procedures shown above and titled �Your Billing Rights.�   
 
In case of errors or questions about your electronic transfers, call us or write us at the phone number or address listed at the top of your deposit statement as soon as you can, if you think your deposit statement or receipt is wrong or if you need more information about a transfer listed on the deposit statement or receipt.  We must hear from you no later than 60 days after we sent you the FIRST deposit statement on which the problem or error appeared. 
. Tell us your name and account number. 

. Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. 

. Tell us the date, type and dollar amount of the suspected error. 


 
If you tell us orally, we may require that you send your complaint or question in writing within 10 Business Days. 
 
We will determine whether an error occurred within 10 Business Days after we hear from you and will correct any error promptly.  If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question.  If we decide to do this, we will credit your account within 10 Business Days for the amount you think is in error so that you will have the use of the money during the time it takes to complete our investigation.  If we ask you to put your complaint or question in writing and we do not receive it within 10 Business Days, we may not credit your account.   
 
For errors involving new accounts, point-of-sale or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question.  For new accounts, we may take up to 20 Business Days to credit your account for the amount you think is in error. 
 
We will tell you the results within three Business Days after completing our investigation.  If we decide that there was no error, we will send you a written explanation.  You may ask for copies of documents that we used in our investigation. 
 
 
ATM/NIGHT DEPOSIT FACILITY USER PRECAUTIONS 
As with all financial transactions, please exercise discretion.  For your own safety when using an ATM or night deposit facility, keep in mind the following suggestions: 
1. Be aware of your surroundings when using an ATM, particularly during the hours of darkness; 

2. Be accompanied by another person when using an ATM during the hours of darkness; 

3. Refrain from displaying cash.  Place cash in a pocket as soon as a transaction is completed and count cash in the safety of a locked enclosure such as a car or home; 

4. Use another ATM or return at a later time if anything suspicious is noticed when using or considering using an ATM; and 

5. Report all crimes immediately to the operator of the ATM or to local law enforcement. 


 
__________________________________________ 
 
If you have any questions regarding this Agreement, or our current fee schedule, write to us at Commerce Bank, P.O. Box 411036, Kansas City, MO 64141-1036, or call us at 1-800-645-2103. 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
PRICING INFORMATION FOR THE COMMERCE BANK VISA. SIGNATURE CREDIT CARD 
Interest Rates and Interest Charges 
 
Annual Percentage Rate (APR) for Purchases 
 Prime Rate plus 6.99% to 16.99% based on your creditworthiness when you open your Account. 
After that, your APR will vary with the market based on the Prime Rate. 
 
APR for Balance Transfers  
 Prime Rate plus 6.99% to 16.99% based on your creditworthiness when you open your Account. 
After that, your APR will vary with the market based on the Prime Rate. 
 
APR for Cash Advances 
(Non-Overdraft & Overdraft) 
 Prime Rate plus 21.99% for Non-Overdraft Cash Advances. 
Prime Rate plus 21.99% for Overdraft Cash Advances. 
These APRs will vary with the market based on the Prime Rate. 
 
Penalty APR and When it Applies 
 Prime Rate plus 23.99% 
This APR will vary with the market based on the Prime Rate. 
This APR may be applied to your Account if you fail to make the required minimum monthly payment within 60 days of the respective payment due date.  
 
How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.    
 
Paying Interest  
 Your due date is at least 25 days after the close of each billing cycle.  We will not charge you any interest on Purchases if you pay the entire balance by the due date each month.  We will begin charging interest on Cash Advances and Balance Transfers, on the transaction date. 
 
Minimum Interest Charge 
 If you are charged interest, the charge will be no less than $2.50. 
 
For Credit Card Tips from the Consumer Financial Protection Bureau 
 To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore 
 

 
Payment Information 
 
Any amount that exceeds your Revolving Credit Line will be added to your minimum payment and will be due and payable when you receive your periodic statement.  The Revolving Credit Line is the maximum dollar amount of your Account balance that you can carry over from month to month. 
 

 
Fees 
 
Transaction Fees 
- Balance Transfer  


 Either $10 or 5% of the amount of each Balance Transfer, whichever is greater.  
 
 
- Non-Overdraft             Cash Advance  


 Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
 
- Overdraft Cash Advance 


 Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
 
- Foreign Transaction 


 1% of each transaction in U.S. Dollars. 2% of each transaction made in currencies other than U.S. Dollars.  
 
Penalty Fees 
- Late Payment   


  
Up to $38 
 

 
How We Will Calculate Your Balance: We use a method called �Daily Balance� (including new Purchases and Fees).  See the account agreement for more details. 
 
Standard APR:  Your standard APRs will be disclosed in your Account Opening Disclosure with your new credit card approximately 7-10 business days after Account approval. 
 
Prime Rate:  The Prime Rate used to determine the APR on your Account is the U.S. Prime Rate published in The Wall Street Journal in its column called �Money Rates� on the last business day of each month.  Although each Daily Periodic Rate is determined by an index published prior to the first day of each calendar month, the respective Daily Periodic Rate will only become effective and charged as of the first day of the monthly billing period following the respective calendar month in which the index is so published.  No representation is made that the U.S. Prime Rate is the lowest, the best or the favored rate of interest.  If for any reason The Wall Street Journal no longer publishes the �Money Rates� column, then we will choose a new index based on comparable information.  An increase in the Prime Rate will cause your interest rate to increase and may cause your minimum monthly payment to increase. 
 
Cost of Card:  The information about the costs of the card described in this application is accurate as of December 2014.  This information may change after that date.  To find out what may have changed, call us at 1-800-645-2103. 
 
Daily Periodic Rate:  The Daily Periodic Rate for all APRs equals the APR divided by 365. 
 
 
 
 
 
 
 
 
 
 
 
 
 
PRICING INFORMATION FOR THE COMMERCE BANK PRIVATE BANKING VISA. SIGNATURE CREDIT CARD 
Interest Rates and Interest Charges 
 
Annual Percentage Rate (APR) for Purchases 
 Prime Rate plus 5.99% 
This APR will vary with the market based on the Prime Rate. 
 
APR for Balance Transfers  
 Prime Rate plus 5.99% 
This APR will vary with the market based on the Prime Rate. 
 
APR for Cash Advances 
(Non-Overdraft & Overdraft) 
 Prime Rate plus 10.99% for Non-Overdraft Cash Advances. 
Prime Rate plus 10.99% for Overdraft Cash Advances. 
These APRs will vary with the market based on the Prime Rate. 
 
Penalty APR and When it Applies 
 Prime Rate plus 21.99% 
This APR will vary with the market based on the Prime Rate. 
This APR may be applied to your Account if you fail to make the required minimum monthly payment within 60 days of the respective payment due date.  
 
How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.    
 
Paying Interest  
 Your due date is at least 25 days after the close of each billing cycle.  We will not charge you any interest on Purchases if you pay the entire balance by the due date each month.  We will begin charging interest on Cash Advances and Balance Transfers, on the transaction date. 
 
Minimum Interest Charge 
 If you are charged interest, the charge will be no less than $2.50. 
 
For Credit Card Tips from the Consumer Financial Protection Bureau 
 To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore 
 

 
Payment Information 
 
Any amount that exceeds your Revolving Credit Line will be added to your minimum payment and will be due and payable when you receive your periodic statement.  The Revolving Credit Line is the maximum dollar amount of your Account balance that you can carry over from month to month. 
 

 
Fees 
 
Transaction Fees 
- Balance Transfer  


 Either $10 or 3% of the amount of each Balance Transfer, whichever is greater.  
 
 
- Non-Overdraft             Cash Advance  


 Either $10 or 3% of the amount of each Cash Advance, whichever is greater. 
 
- Overdraft Cash Advance 


 $5 for each Cash Advance. 
 
- Foreign Transaction 


 1% of each transaction in U.S. Dollars. 2% of each transaction made in currencies other than U.S. Dollars.  
 
Penalty Fees 
- Late Payment  


  
Up to $38 
 

 
How We Will Calculate Your Balance: We use a method called �Daily Balance� (including new Purchases and Fees).  See the account agreement for more details. 
 
Prime Rate:  The Prime Rate used to determine the APR on your Account is the U.S. Prime Rate published in The Wall Street Journal in its column called �Money Rates� on the last business day of each month.  Although each Daily Periodic Rate is determined by an index published prior to the first day of each calendar month, the respective Daily Periodic Rate will only become effective and charged as of the first day of the monthly billing period following the respective calendar month in which the index is so published.  No representation is made that the U.S. Prime Rate is the lowest, the best or the favored rate of interest.  If for any reason The Wall Street Journal no longer publishes the �Money Rates� column, then we will choose a new index based on comparable information.  An increase in the Prime Rate will cause your interest rate to increase and may cause your minimum monthly payment to increase. 
 
Cost of Card:  The information about the costs of the card described in this application is accurate as of December 2014.  This information may change after that date.  To find out what may have changed, call us at 1-800-645-2103. 
 
Daily Periodic Rate:  The Daily Periodic Rate for all APRs equals the APR divided by 365. 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
PRICING INFORMATION FOR THE COMMERCE BANK PRIVATE BANKING WORLD ELITE MASTERCARD� CREDIT CARD 
Interest Rates and Interest Charges 
 
Annual Percentage Rate (APR) for Purchases 
 Prime Rate plus 5.99% 
This APR will vary with the market based on the Prime Rate. 
 
APR for Balance Transfers  
 Prime Rate plus 5.99% 
This APR will vary with the market based on the Prime Rate. 
 
APR for Cash Advances 
(Non-Overdraft & Overdraft) 
 Prime Rate plus 10.99% for Non-Overdraft Cash Advances. 
Prime Rate plus 10.99% for Overdraft Cash Advances. 
These APRs will vary with the market based on the Prime Rate. 
 
Penalty APR and When it Applies 
 Prime Rate plus 21.99% 
This APR will vary with the market based on the Prime Rate. 
This APR may be applied to your Account if you fail to make the required minimum monthly payment within 60 days of the respective payment due date.  
 
How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.    
 
Paying Interest  
 Your due date is at least 25 days after the close of each billing cycle.  We will not charge you any interest on Purchases if you pay the entire balance by the due date each month.  We will begin charging interest on Cash Advances and Balance Transfers, on the transaction date. 
 
Minimum Interest Charge 
 If you are charged interest, the charge will be no less than $2.50. 
 
For Credit Card Tips from the Consumer Financial Protection Bureau 
 To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore 
 

 
Payment Information 
 
Any amount that exceeds your Revolving Credit Line will be added to your minimum payment and will be due and payable when you receive your periodic statement.  The Revolving Credit Line is the maximum dollar amount of your Account balance that you can carry over from month to month. 
 

 
Fees 
 
Annual Fee 
 $95 
 
Transaction Fees 
- Balance Transfer  


 Either $10 or 3% of the amount of each Balance Transfer, whichever is greater.  
 
 
- Non-Overdraft             Cash Advance  


 Either $10 or 3% of the amount of each Cash Advance, whichever is greater. 
 
- Overdraft Cash Advance 


 $5 for each Cash Advance. 
 
- Foreign Transaction 


 None  
 
Penalty Fees 
- Late Payment  


  
Up to $38 
 

 
How We Will Calculate Your Balance: We use a method called �Daily Balance� (including new Purchases and Fees).  See the account agreement for more details. 
 
Prime Rate:  The Prime Rate used to determine the APR on your Account is the U.S. Prime Rate published in The Wall Street Journal in its column called �Money Rates� on the last business day of each month.  Although each Daily Periodic Rate is determined by an index published prior to the first day of each calendar month, the respective Daily Periodic Rate will only become effective and charged as of the first day of the monthly billing period following the respective calendar month in which the index is so published.  No representation is made that the U.S. Prime Rate is the lowest, the best or the favored rate of interest.  If for any reason The Wall Street Journal no longer publishes the �Money Rates� column, then we will choose a new index based on comparable information.  An increase in the Prime Rate will cause your interest rate to increase and may cause your minimum monthly payment to increase. 
 
Cost of Card:  The information about the costs of the card described in this application is accurate as of December 2014.  This information may change after that date.  To find out what may have changed, call us at 1-800-645-2103. 
 
Daily Periodic Rate:  The Daily Periodic Rate for all APRs equals the APR divided by 365. 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
PRICING INFORMATION FOR THE COMMERCE BANK WORLD ELITE MASTERCARD� CREDIT CARD 
Interest Rates and Interest Charges 
 
Annual Percentage Rate (APR) for Purchases 
 Prime Rate plus 8.99% 
This APR will vary with the market based on the Prime Rate. 
 
APR for Balance Transfers  
 Prime Rate plus 8.99% 
This APR will vary with the market based on the Prime Rate. 
 
APR for Cash Advances 
(Non-Overdraft & Overdraft) 
 Prime Rate plus 21.99% for Non-Overdraft Cash Advances. 
Prime Rate plus 21.99% for Overdraft Cash Advances. 
These APRs will vary with the market based on the Prime Rate. 
 
Penalty APR and When it Applies 
 Prime Rate plus 23.99% 
This APR will vary with the market based on the Prime Rate. 
This APR may be applied to your Account if you fail to make the required minimum monthly payment within 60 days of the respective payment due date.  
 
How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.    
 
Paying Interest  
 Your due date is at least 25 days after the close of each billing cycle.  We will not charge you any interest on Purchases if you pay the entire balance by the due date each month.  We will begin charging interest on Cash Advances and Balance Transfers, on the transaction date. 
 
Minimum Interest Charge 
 If you are charged interest, the charge will be no less than $2.50. 
 
For Credit Card Tips from the Consumer Financial Protection Bureau 
 To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore 
 

 
Payment Information 
 
Any amount that exceeds your Revolving Credit Line will be added to your minimum payment and will be due and payable when you receive your periodic statement.  The Revolving Credit Line is the maximum dollar amount of your Account balance that you can carry over from month to month. 
 

 
Fees 
 
Annual Fee 
 $125 
 
Transaction Fees 
- Balance Transfer  


 Either $10 or 5% of the amount of each Balance Transfer, whichever is greater.  
 
 
- Non-Overdraft             Cash Advance  


 Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
 
- Overdraft Cash Advance 


 Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
 
- Foreign Transaction 


 None  
 
Penalty Fees 
- Late Payment  


  
Up to $38 
 

 
How We Will Calculate Your Balance: We use a method called �Daily Balance� (including new Purchases and Fees).  See the account agreement for more details. 
 
Prime Rate:  The Prime Rate used to determine the APR on your Account is the U.S. Prime Rate published in The Wall Street Journal in its column called �Money Rates� on the last business day of each month.  Although each Daily Periodic Rate is determined by an index published prior to the first day of each calendar month, the respective Daily Periodic Rate will only become effective and charged as of the first day of the monthly billing period following the respective calendar month in which the index is so published.  No representation is made that the U.S. Prime Rate is the lowest, the best or the favored rate of interest.  If for any reason The Wall Street Journal no longer publishes the �Money Rates� column, then we will choose a new index based on comparable information.  An increase in the Prime Rate will cause your interest rate to increase and may cause your minimum monthly payment to increase. 
 
Cost of Card:  The information about the costs of the card described in this application is accurate as of December 2014.  This information may change after that date.  To find out what may have changed, call us at 1-800-645-2103. 
 
Daily Periodic Rate:  The Daily Periodic Rate for all APRs equals the APR divided by 365.