CARDHOLDER AGREEMENT 
                                               
                                               
                                            
                                               
    This Agreement is for your Account with Commerce Bank, and the  We are not responsible for any losses or damages, including 
    Card(s) which has/have been given to you in connection with your  consequential damages, if a transaction on your Account is declined, 
    Account.  Such Account and Card(s) provide you with credit card  either by us or a third party, even if you have sufficient credit available. 
    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  PROMISE TO PAY 
    the expressed or implied permission of any of the applicants.  Any  You promise to pay for all Purchases and Cash Advances, including 
    person whose name appears on the Account for the Card(s)  Balance Transfers and Convenience Checks, made by you through the 
    accompanying this Agreement consents, either by using or permitting  use of the Account.  In addition, you promise to pay all other amounts 
    another to use the Card(s), to all provisions of this Agreement.  �We�,  owed due to use of the Account by anyone else you authorize to use the 
    �us� and �our� means Commerce Bank, our successors and assigns.    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 
    In this Agreement: 
                                              such person may have.  All of you are responsible, both together and 
    Account is your credit card account. 
                                              individually, for the entire Account balance even though only one of you 
    Annual Fee is a fee charged on a yearly basis for your continued use of 
                                              uses the Account. 
    the Account.                               
    APR is Annual Percentage Rate.            BILLING STATEMENTS 
    ATM is Automated Teller Machine.          You will receive a Statement periodically (normally monthly).  Your 
    Business Days are Monday through Friday.  Federal holidays are not  payment is due within 25 days from the date of the Statement (payment 
    included.                                 due date). 
                                               
    Card is the credit card(s) given to you in connection with your Account. 
                                              PAYMENT OPTIONS 
    Cash Advance includes: 
                                              You may pay the new balance shown on your Statement each month or 
      � Non-Overdraft Cash Advance � advance made by means of an 
                                              you may pay in monthly installments.  If you decide to pay in monthly 
      electronic device or machine, or a financial institution teller, or for the 
                                              installments, you must pay at least the minimum payment on your 
      purchase of wire transfers, non-U.S. currency, travelers� checks, 
                                              Statement.  The minimum payment includes any amount that exceeds 
      money orders, lottery tickets and casino gaming chips. 
                                              your Revolving Credit Line plus the greater of: 
      � Overdraft Cash Advance � advance made by means of overdraft 
                                               
      protection. 
                                              ?  $30.00 or the full amount of your total balance if it is less than 
      � Balance Transfer � advance made when transferring a balance 
                                                $30.00; or 
      from another creditor to your Account. 
                                              ?  3.00% of your new balance (or your Revolving Credit Line if your 
      � Convenience Check � check used to make a Cash Advance on 
                                                new balance exceeds your Revolving Credit Line)  plus any 
      your Account. 
                                                amounts that are past due; or 
    Cash Limit is the maximum dollar amount of your Revolving Credit Line 
                                              ?  1.00% of your new balance (or your Revolving Credit Line if your 
    available for Non-Overdraft Cash Advances. 
                                                new balance exceeds your Revolving Credit Line)  plus any 
    Charges are costs imposed as part of this Agreement and include both 
                                                amounts that are past due, plus Fees (excluding Balance Transfer 
    interest and fees.   
                                                and/or Convenience Check Fees) and Interest Charges 
    Daily Balance is determined, for each day in the billing cycle, by taking 
                                                accumulated during the billing period. 
    the beginning balance, adding any new transactions or other debits, and 
                                                 
    subtracting any payments or other credits. 
                                              When a payment is posted to your Account, we reserve the right to 
    Daily Periodic Rate is the APR divided by 365. 
                                              restrict or delay all or part of the available credit created by the payment.  
    Fees are non- interest Charges, including transaction fees.  
                                              The restriction or delay of the available credit is for risk management or 
    Grace Period means the period of time during a billing cycle when you 
                                              other related purposes, including but not limited to protection against 
    will not accrue Interest Charges on certain transactions or balances. 
                                              actual or potential fraudulent activities or unauthorized transactions.  
    Interest Charges are the portion of Charges attributed to periodic   
    interest rates.                           OVERDRAFT PROTECTION 
    Participation Fee is a fee charged for added service or functionality on  If you select overdraft protection, a Cash Advance will be made to cover 
    your Account.                             an overdraft in your designated Commerce Bank deposit account.  Such 
    PIN is Personal Identification Number.    Overdraft Cash Advances will be in the amount of $50.00 or multiples of 
    Prime Rate is the U.S. Prime Rate published in The Wall Street Journal  $50.00.  If the designated deposit account is a joint account, you will be 
    in its column called �Money Rates� on the last Business Day of each  liable for all overdrafts on the account regardless of which joint account 
    month.                                    owner caused, or benefited from the overdraft.  Each Overdraft Cash 
    Promotional Balance is the balance subject to the Promotional Rate.   Advance is at our discretion.  We are not liable or responsible for any 
    Balances subject to Introductory Rates are included.  check drawn that may for any reason be returned or otherwise 
    Promotional Rate is a rate other than the standard rate, tied to a special  dishonored.  We may cancel this overdraft feature at any time without 
    offering.  A Promotional Rate offered when you open your Account may  notice. 
    be called an Introductory Rate.            
                                              BALANCE ON WHICH INTEREST CHARGE IS CALCULATED 
    Purchase means purchase of merchandise or services on the Account 
                                              If you accrue any Interest Charge on your Account at a variable rate, that 
    plus related Charges and does not include any type of Cash Advance, 
                                              rate will be calculated by adding a margin to the Prime Rate.  Please see 
    Cash Advance Transaction Fees or Cash Advance Interest Charges. 
                                              the ACCOUNT OPENING DISCLOSURE, which is part of this 
    Revolving Credit Line is the maximum dollar amount of your Account 
                                              Agreement, for specific information regarding the APRs used to 
    balance you can carry over from month to month. 
                                              compute your Interest Charges. 
    Statement is your billing statement.       
     
                                              We calculate your Daily Balance for each day in the billing cycle by 
    CREDIT CARD SERVICES 
                                              taking your beginning balance, adding any new transactions or other 
    The following provisions relate only to credit card services except as  debits, and subtracting any payments or other credits.  We multiply the 
    otherwise applicable.                     Daily Balance by the Daily Periodic Rate to get your Interest Charges for 
     
    ACCOUNT DESCRIPTION                       that day.  We add these Interest Charges to your Daily Balance to get 
    We will grant you a Revolving Credit Line as determined by us.  Your  the beginning balance for the next day.  We do this for all days on which 
    Revolving Credit Line is the maximum dollar amount of your Account  you have a balance owing on the Account, disregarding any credit 
    balance you can carry over from month to month.  Your Revolving Credit  balance, for the billing cycle. 
                                               
    Line will be indicated on your Statement.  We add all the daily Interest Charges and round the sum to the next 
    Your Account is also subject to a No Pre Set Spending Limit.  No Pre Set  highest cent to get your total Interest Charges for that billing cycle.  We 
    Spending Limit does not mean unlimited spending; rather each charge  do this calculation separately for each type of balance. 
    that causes your Account balance to exceed your Revolving Credit Line   
    will be evaluated by us based on several factors.  These factors include,  The Prime Rate used to determine the APR on your Account is the U.S. 
    but are not limited to, Account usage and performance, payment  Prime Rate published in The Wall Street Journal in its column called 
    resources, other Account relationships with us, if applicable, and your  �Money Rates� on the last Business Day of each month.  Although each 
    experience with other creditors.          Daily Periodic Rate is determined by an index published prior to the first 
    Your Account is subject to a Cash Limit equal to the amount of your  day of each calendar month, the respective Daily Periodic Rate will only 
    Revolving Credit Line less outstanding balances, including Fees and  become effective and charged as of the first day of the monthly billing 
    Interest Charges.  Your outstanding balance will limit Cash Advance  period following the respective calendar month in which the index is so 
    availability.  The Cash Limit does not apply to Overdraft Cash Advances.   published.  No representation is made that the U.S. Prime Rate is the 
    Overdraft Cash Advances will be subject to the term of the Account�s No  lowest, the best or the favored rate of interest.  If for any reason The Wall 
    Pre Set Spending Limit.                   Street Journal no longer publishes the "Money Rates" column, then we 
    We may increase, reduce or cancel your Revolving Credit Line and/or  will choose a new index based on comparable information.  An increase 
    Cash Limit at any time without prior notice or liability.  A change to your  in the Prime Rate will cause your interest rate to increase and may cause 
    Revolving Credit Line and Cash Limit will not affect your obligation to pay  your minimum monthly payment to increase. 
                                               
    us.                                       INTEREST CHARGE COMPUTATION 
     
    We may decline, at any time in our sole discretion, an authorization  ?  ON PURCHASES:  Interest Charges on Purchases begin to accrue 
    request for any transaction for any reason, included but not limited to:                                               on the transaction date, provided such date will never be later than 
       �   operational considerations,          the date the Purchase is posted to the Account or earlier than the 
       �  your Account is in default,           first day of the billing cycle for the Statement on which such 
       �   we suspect fraudulent or unlawful activity  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 
    We may also request additional information from you at any time to  date shown on your Statement, no Interest Charge will be assessed 
    evaluate a transaction request or your use of the Account generally. 
                                                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 
     
                                1 
     
       than the first day of the billing cycle for the Statement on which such  may be imposed.  After the Second Occurrence, any subsequent 
       advance is shown.                      declined Convenience Check or stop payment of a Convenience Check 
                                              during the next six billing cycles will also incur a $37 Returned Item Fee.  
                                            
    TOTAL INTEREST CHARGE COMPUTATION         At no time will the Returned Item Fee exceed the amount of the 
    We add Interest Charges for each type of balance to obtain your total  Convenience Check. 
                                               
    Interest Charge for each billing cycle.   
                                              Convenience Checks and Document Copy Charges 
    PENALTY RATE AND WHEN IT APPLIES          Charges for Convenience Checks and requests for copies of sales 
    If at any time we have not received the required minimum monthly  drafts, Statements or other documents related to your Account may be 
    payment within 60 days of the respective payment due date, we may  billed on your Account as Purchases in accordance with the fee schedule 
    increase the applicable APR to the Penalty Rate. Please see the  established by us from time to time.  No charge will be made for copy 
    ACCOUNT OPENING DISCLOSURE for information regarding the  requests related to billing error resolution within 60 days of the disputed 
    Penalty Rate for your Account.  The Account may be eligible for your  transaction. 
                                               
    standard Daily Periodic Rates and corresponding APR for each type of 
                                              TOTAL FEE COMPUTATION 
    balance after you have met the terms of this Agreement for six 
                                              We add all Fees assessed to obtain your total Fees for each billing cycle 
    consecutive billing cycles after the monthly Statement on which the 
                                              (excluding Balance Transfer and/or Convenience Check Fees).  We will 
    Penalty APR first appears.  Otherwise, the Penalty Rate may apply 
                                              assess Balance Transfer Fees and/or Convenience Check Fees to your 
    indefinitely. 
                                              Account in the same balance category to which the transaction is posted.   
                                               
    TERMINATION OF INTRODUCTORY OR PROMOTIONAL RATES 
                                              CANCELLATION 
    If during an Introductory or Promotional Rate period, we have not 
                                              To the extent permitted by law, Commerce Bank may cancel your 
    received the required minimum monthly payment within 60 days of the 
                                              Account, refuse to allow further transactions against your Account or 
    respective payment due date, we will increase the applicable APR to the 
                                              revoke your Card(s) at any time (whether or not you are in default of any 
    Penalty APR.  Introductory and/or Promotional Rates will not be 
                                              part of this Agreement) including, without limitation, when any affiliation 
    reinstated. 
                                              you may have with a sponsoring organization ceases or when any 
    FEES                                      agreement we may have with the sponsoring organization is terminated.  
     
                                              Cancellation of your Account will not affect your liability to us for credit 
    Transaction, Annual and Penalty Fees:   
                                              we have extended to you, including amounts not yet billed to your 
    Please see the ACCOUNT OPENING DISCLOSURE for information 
                                              Account.  We may cancel your Account without prior notice or liability.  
    regarding the specific Fees that may be charged to your Account. 
                                              You must surrender the Card(s), either upon a direct request by us, or 
    Minimum Interest Charge                   any other bank or merchant who is acting upon our instructions. 
                                               
    A minimum Interest Charge will be imposed in any billing cycle for which 
                                              CONDITIONS OF DEFAULT 
    an Interest Charge is payable, and will appear on your Statement as a 
                                              We may consider you to be in default if we do not receive a required 
    Fee. 
                                              payment when due, including the minimum payment by the date shown 
    Balance Transfer Or Convenience Check Transaction Fee  on your Statement; you fail to comply with the terms of this Agreement; 
    You will be charged a Transaction Fee, with a minimum and no  you make any false or misleading statements or omissions on your 
    maximum, for each Balance Transfer and/or Convenience Check posted  application; you file a bankruptcy petition or have one filed against you; 
    to your Account.                          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 
    Non Overdraft Cash Advance Transaction Fee 
                                              limited to, your failure to make any payment to us on any other 
    You will be charged a Transaction Fee, with a minimum and no 
                                              indebtedness or loan; you are declared incompetent by a court or a court 
    maximum, for each Cash Advance posted to your Account. 
                                              appoints a guardian/ conservator for you or your assets; you die. 
    Overdraft Cash Advance Transaction Fee     
    You will be charged a Transaction Fee for each Cash Advance resulting  If we consider your Account to be in default, we may close your account 
    from the overdraft protection.            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 
    Annual Fee 
                                              the extent permitted by law, if you are in default you will pay our 
    Your Account may have a Fee that will be added annually to your 
                                              collections costs, attorneys� fees, court costs, and all other expenses of 
    Account (Annual Fee).  Please see the ACCOUNT OPENING 
                                              enforcing our rights under this Agreement. 
    DISCLOSURE for information regarding the specific fee, if any, for   
    your Account.                             ALLOCATION OF PAYMENTS 
    The imposition or payment of an Annual Fee does not affect or limit our  We will allocate your minimum payment in the manner we determine.  
    right to terminate this Agreement, cancel your Account, and demand  We will apply the amount in excess of the minimum payment to balances 
    payment, in a manner permitted by law, of any amounts owed on your  with higher APRs before balances with lower APRs. 
                                               
    Account. 
                                              RECEIPT OF PAYMENTS 
    Foreign Transactions                      Payments  received  before  5  PM  CT  at  the  address  shown  on  your 
    Please see the ACCOUNT OPENING DISCLOSURE for information  Statement on any of our regular Business Days will be posted as of the 
    regarding the specific Fees that may be charged to your Account related  date of receipt.  Payments made in person before the close of business 
    to foreign transaction.                   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 
    Visa and MasterCard Purchases, cash withdrawals and Cash Advances 
                                              branch must be accompanied by the Account number or payment stub, 
    made in currencies other than U.S. Dollars will be converted to U.S. 
                                              and in the form of a check or money order in U. S. Dollars drawn on a U. 
                           �  Dollars under regulations established by VISA International and  S. financial institution.  Do not send cash through the mail. A delay in 
          �  MasterCard International.  Visa conversion will be at a rate selected by  crediting the payment to your Account may occur if the payment does not 
    Visa from the range of rates available in wholesale currency markets for  meet  these  requirements  for  making  payments  (conforming 
    the applicable central processing date, which may vary from the rate  payments). In no case shall such delay exceed five days from receipt of 
    Visa itself receives or the government-mandated rate in effect for the  such payment. 
                                               
    applicable central processing date.  MasterCard conversion will be at a 
                                              The cutoff time for payments made on any of our regular Business Days 
    rate selected by MasterCard, typically either a government-mandated 
                                              through Commerce as transfers from your Commerce deposit account 
    rate or a wholesale rate provided to MasterCard.  Conversion to U.S. 
                                              are  as  follows:   Commerce  ATM,  7:00  PM  CT;  Commerce  Online 
    dollars may occur on a date other than the date of the transaction.  
                                              Banking, including Mobile Banking, 7:00 PM CT; Commerce Account 
    Therefore, the conversion rate may be different from the rate in effect at 
                                              Information Line, 7:00 PM CT; Commerce BankCards Online, 11:00 PM 
    the time of the transaction.  You agree to pay the converted amount plus 
                                              CT; Commerce Collections Department, 11:00 PM CT. A payment made 
    the applicable foreign transaction fee.  For Purchases, cash withdrawals, 
                                              through Commerce Online Bill Pay will be posted on the Pay Date. 
    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  Conforming payments received after the respective cutoff time will be 
    applicable foreign transaction fee.       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. 
    Late Payment Fee                           
    For each payment not received by the payment due date, we may  When the due date falls on a weekend or holiday, your payment due 
    charge a Late Payment Fee.  The first time you are late making the  date will be on the next Business Day. 
                                               
    required minimum monthly payment (�First Occurrence�), a $27 Late 
                                              We may accept late payments, partial payments or checks and money 
    Payment Fee may be imposed.  After the First Occurrence, if you make a 
                                              orders (or accompanying written communication) containing a statement 
    late payment at anytime during the next six billing cycles (�Second 
                                              to the effect that the instrument was tendered as "payment in full," full 
    Occurrence�), a $37 Late Payment Fee may be imposed.  After the 
                                              satisfaction of a disputed claim or other similar language without losing 
    Second Occurrence, any subsequent late payment during the next six 
                                              any rights under this Agreement or under the law.  All such payments or 
    billing cycles will also incur a $37 Late Payment Fee.  At no time will the 
                                              written communications must be mailed to:  Commerce Bank, P.O. Box 
    Late Payment Fee exceed the amount of the required minimum monthly 
                                              410857, Kansas City, MO 64141-1857. 
    payment.                                   
                                              CHANGE OF TERMS 
    Other Fees 
                                              Provided the Account is meeting the terms of this Agreement:  (1) We 
    Returned Payment Fee                      will not increase an Introductory APR during any Introductory Rate 
    No Fee will be charged for any check or other form of payment sent to us  period; and (2) We will not increase any APR, Annual Fee or minimum 
    which is returned unpaid.                 Interest Charge for 12 months following account opening, except for 
                                              increases due to the expiration of an Introductory or Promotional Rate 
    Returned Item Fee 
                                              period, if any;  changes in the Prime Rate; completion or failure of a 
    If we decline to honor a Convenience Check or when payment of a 
                                              temporary hardship arrangement; application of a Penalty Rate; or the 
    Convenience Check is stopped at your request, we may charge a 
                                              end of military service to which  the provisions of the Servicemembers 
    Returned Item Fee.  The first time we decline to honor a Convenience 
                                              Civil Relief Act (SCRA) apply. (�Exceptions�).  Otherwise, we may 
    Check or when payment of a Convenience Check is stopped at your 
                                              change the terms of the Agreement at any time, after notice and the right 
    request (�First Occurrence�), a $27 Returned Item Fee may be imposed.  
                                              to reject if required by law.   Changes in any APR, other than the stated 
    After the First Occurrence, if we decline a Convenience Check or you 
                                              Exceptions, Annual Fee or minimum Interest Charge will apply to new 
    request stop payment of a Convenience Check at anytime during the 
                                              transactions created after the end of the 14th day following our providing 
    next six billing cycles (�Second Occurrence�), a $37 Returned Item Fee 
     
                                2 
     
    notice to you.    If you reject a change, your Account will be cancelled  ?  At least 3 Business Days before an automated payment is 
    and you will no longer be able to use the Account.    scheduled, if you want to stop payment on the amount you 
    Cancellation of your Account will not affect your liability to us for credit  think is wrong. 
                                            
    we have extended to you, including amounts not yet billed to your  You must notify us of any potential errors in writing. You may call us, but 
    Account.                                  if you do we are not required to investigate any potential errors and you 
                                              may have to pay the amount in question. 
                                                ELECTRONIC RECORDS 
                                              What Will Happen After We Receive Your Letter 
    You agree that this document and all paper records related to your   
    Account and whether or not the other paper records were submitted,  When we receive your letter, we must do two things: 
    received or obtained in advance of, contemporaneously with or  1. Within 30 days of receiving your letter, we must tell you that we 
    subsequent to, the delivery of this document may, at the option of  received your letter. We will also tell you if we have already 
    Commerce Bank, be converted by any digital or electronic method or  corrected the error. 
                                                 
    process to an electronic record or subsequently further converted or 
                                                2. Within 90 days of receiving your letter, we must either correct the 
    migrated to another electronic record format or electronic storage 
                                                error or explain to you why we believe the bill is correct. 
    medium.  You further agree that upon conversion to an electronic record   
    as authorized herein such electronic record shall be the record of the  While we investigate whether or not there has been an error: 
    transaction and the electronic record shall have the same legal force and  ?  We cannot try to collect the amount in question, or report you 
    effect as the paper documents from which it was converted.  You waive  as delinquent on that amount. 
    any legal requirement that any documents digitally or electronically  ?  The charge in question may remain on your Statement, and 
    converted be embodied, stored, or reproduced in a tangible media.  You  we may continue to charge you interest on that amount. 
    undersigned and agree that a printed or digitally reproduced copy of the  ?  While you do not have to pay the amount in question, you are 
    electronic record shall be given the same legal force and effect as a  responsible for the remainder of your balance. 
    signed writing.  In addition, you authorize and agree to destruction of the  ?  We can apply any unpaid amount against your credit limit. 
    paper documents by Commerce Bank upon conversion of the paper   
    documents to a digital or electronic record.  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 
    PERMISSION TO CONTACT                          question or any Interest Charges or other Fees related to that 
    You agree, in order for us to service your account or to collect any  amount. 
                                               
    amounts you may owe, we may contact you by telephone at any 
                                                ?  If we do not believe there was a mistake: You will have to pay 
    telephone number associated with your account, including wireless 
                                                   the amount in question, along with applicable Interest Charges 
    telephone numbers, which could result in charges to you. We may also 
                                                   and Fees. We will send you a Statement of the amount you 
    contact you by sending text messages or emails, using any telephone 
                                                   owe and the date payment is due. We may then report you as 
    number or email address you provide to us.  You consent and 
                                                   delinquent if you do not pay the amount we think you owe. 
    acknowledge that methods of contact may include using pre-  
    recorded/artificial voice message and/or use of an automatic dialing  If you receive our explanation but still believe your bill is wrong, you must 
    device, as applicable.  You further consent and agree that our personnel  write to us within 10 days telling us that you still refuse to pay. If you do 
    may listen to and/or record phone calls between you and our  so, we cannot report you as delinquent without also reporting that you 
    representatives without additional notice to you, including but not limited  are questioning your bill. We must tell you the name of anyone to whom 
    to calls we make to service your account or collect debt(s).   we reported you as delinquent, and we must let those organizations 
                                              know when the matter has been settled between us. 
                                               
    MISCELLANEOUS PROVISIONS 
                                              If we do not follow all of the rules above, you do not have to pay the first 
    You also agree that: 
                                              $50 of the amount you question even if your bill is correct. 
    ?  We may refuse to extend credit to you or anyone using your   
       Account or Card(s).                    Your Rights If You Are Dissatisfied With Your Credit Card 
    ?  We will not be liable or responsible for anyone�s refusal to honor  Purchases 
                                               
       your Card(s).                          If you are dissatisfied with the goods or services that you have 
    ?  Each Account you have with us is separate from any others you  Purchased with your credit card, and you have tried in good faith to 
       have with us, and Interest Charges will be charged on each  correct the problem with the merchant, you may have the right not to pay 
       Account�s balance at the APR given with each Cardholder   the remaining amount due on the Purchase. 
       Agreement.  Each individual Account will be designated by an   
       individual Account number.             To use this right, all of the following must be true: 
                                                ?  Your Card(s) are Commerce Bank property. 
                                               1. The Purchase must have been made in your home state or within 
    ?  We may change the premium enhancements offered at any time 
                                               100 miles of your current mailing address, and the purchase price 
       without further notice to you. 
                                               must have been more than $50. (Note: Neither of these are 
    ?  Merchants with whom you�ve shared your Account number may be 
                                               necessary if your Purchase was based on an advertisement we 
       updated with new Account information to ensure the continuation of 
                                               mailed to you, or if we own the company that sold you the goods or 
       your payment agreement. 
                                               services.) 
    ?  You will not use your Card(s) for any purpose that has been   
       deemed illegal.  We reserve the right to deny authorization requests  2. You must have used your credit card for the Purchase. Purchases 
       from online gambling merchants, whether or not online gambling is  made with Cash Advances from an ATM or with a check that 
       illegal in the state in which you reside.  accesses your credit card Account do not qualify. 
                                                
    ?  Commerce Bank may share your Account experience and 
                                               3. You must not yet have fully paid for the Purchase. 
       transaction information with its Affiliates, which are members 
                                               
       of the Commerce Corporate family as defined in your Privacy 
                                              If all of the criteria above are met and you are still dissatisfied with the 
       Policy Notice.  Unless you call 1-800-543-4845, you agree that 
                                              Purchase, contact us in writing at: 
       Commerce Bank and its Affiliates may also share other 
                                               
       information about you or your Account. 
                                              Commerce Bank P.O. Box 411036, Kansas City, MO 64141-1036 
    ?  You must notify us immediately at Commerce Bank, P.O. Box 
                                               
       411036, Kansas City, MO 64141-1036, if you believe any 
                                              While we investigate, the same rules apply to the disputed amount as 
       information we reported to a credit reporting agency is inaccurate. 
                                              discussed above. After we finish our investigation, we will tell you our 
    SECURITY INTEREST                         decision. At that point, if we think you owe an amount and you do not 
    Collateral securing other loans with us may also secure this  pay, we may report you as delinquent. 
    indebtedness.                              
                                              LIABILITY FOR UNAUTHORIZED USE 
    CHANGES IN ADDRESS 
                                              If your name appears on the Account for the Card(s) accompanying this 
    You agree to notify us immediately if you change your address. 
                                              Agreement, then by using or permitting another to use the Card(s) and/or 
    INTERPRETATION                            PIN, you agree to all the provisions of this Agreement, including, but not 
    The Agreement shall be governed by applicable federal law and  limited to your promise to pay.  You will not be liable for unauthorized 
    regulations.  To the extent not preempted by applicable federal law, this  use that occurs after you notify Commerce Bank orally or in writing.  
    Agreement shall be  governed by the laws of the state of Missouri, but  Notification of loss, theft or possible unauthorized use may be mailed to 
    Commerce Bank will rely on the provisions of Nebraska law with respect  Commerce Bank, P.O. Box 411036, Kansas City, MO 64141-1036, or 
    to the fees and charges (other than interest) that apply to your Account,  you may call 1-800-645-2103. 
    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. 
                                              If you have any questions regarding this Agreement, or our current fee 
    What To Do If You Find A Mistake On Your Statement  schedule, write to us at Commerce Bank, P.O. Box 411036, Kansas 
    If you think there is an error on your Statement, write to us at:  City, MO 64141-1036, or call us at 1-800-645-2103. 
    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. 
                                               
                                               
     
                                3 
     
                                               
                                               
                                               
                                                     OPTIONAL FEATURES 
                                               
                                               
    Commerce Bank credit cards may come with optional credit card  access using the Special Connections Feature, you may use your Card 
                             SM    �
    payment features, including Special Connections  and toggle . The  to perform the following functions where otherwise permitted:  
                    �
    Special Connections and toggle  features are offered at the sole   
    discretion of Commerce Bank (�Commerce�) to Accountholders (�You� or  ATM Transaction 
    �Your�) that have Qualified Commerce Bank Credit Card Accounts.    A  At the ATM, insert your Card and enter the credit card PIN that you 
    "Qualified Commerce Credit Card Account" means any open Account  established for this Card to (i) withdraw cash from, deposit money in,  
    that is not designated by Commerce as lost, stolen, fraud transferred,  transfer funds between, or learn the balances in your checking, regular 
    credit revoked, closed, bankrupt, charged off, or in Consumer Credit  savings or money-market accounts; (ii) use funds from your checking, 
    Counseling or recovery. By using these optional features, you  regular savings, and money-market accounts to make payments on your 
    acknowledge that you have read and accepted the Commerce Bank  Commerce credit cards, lines of credit or loans or (iii) take cash 
    Special Connections Terms and Conditions and the Commerce Bank  advances on your Commerce credit cards.   
        �
    toggle  Terms and Conditions which shall govern your use of and rights   
    under these optional features.            The account(s) you designate for ATM accessibility will be considered 
                                                          SM
                                              your Special Connections  Feature at the ATM Account(s) (�ATM 
                 SM    �
    The Special Connections  and toggle  Terms and Conditions are a  Account�).  If you wish to designate one or more checking accounts as 
    separate agreement and are not part of your cardholder agreement.  an ATM Account, then you must designate one of those checking 
                                              accounts as your Point of Sale Account as defined below.   In order to 
                  SM
    SPECIAL CONNECTIONS  FEATURE              have ATM access to your checking accounts, you must at all times 
                   SM
    With the Special Connections  Feature, and as permitted from time to  maintain a Point of Sale Account.  If you no longer have a Point of Sale 
    time, you may use your Card to access Commerce Bank Special  Account, then you will lose ATM access to all of your checking accounts.  
    Connections Feature-eligible deposit accounts, credit cards, lines of   
    credit, and/or loans. You may request the Special Connections Feature  Commerce has no control over the functionalities offered at non-
    from a Commerce Bank branch, through Commerce Bank Online  Commerce ATMs.  Some or all of these features may not be available at 
    Banking, or from our Customer Service Department at 1-800-645-2103.  all non-Commerce ATMs and some ATMs may allow you to perform 
    These features are not automatically activated.  other functions not mentioned here, including the ability to make 
                                              purchases (e.g. stamps).  If at any time you use a non-Commerce ATM 
                         �  �       �
    For customers with a Special Connections  Visa  or MasterCard  credit  to request to take money from an account that you do not have or if the 
                          SM
    card, please note: The Special Connections  Feature is different from a  non-Commerce ATM does not prompt you to select a specific account 
    Commerce Bank Special Connections Visa or MasterCard credit card.   from which to take the money, then you agree that Commerce will 
    The Special Connections Feature allows you to add certain functionality  attempt to comply with your request by providing you with money from 
    to any Commerce Bank-issued credit card, including Commerce Bank�s  one of your open ATM Accounts. Cash withdrawals may be taken from 
    Special Connections Visa or MasterCard credit card.  However, your  any open deposit ATM Account owned by you and cash advances may 
    Special Connections Visa or MasterCard credit card is not automatically  be taken from any credit card ATM Account owned by you. 
    enabled with the Special Connections Feature.  You must proactively   
    enroll any credit card, including your Special Connections Visa or  Point of Sale Transaction 
    MasterCard credit card, in the Special Connections Feature in order for  You may designate one (1) checking account as your Special 
                                                    SM
    that card to utilize the Special Connections Feature�s capabilities  Connections  Feature at the Point of Sale Account (�Point of Sale 
    described herein.                         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 
    ELECTRONIC FUND TRANSFERS                 to pay for your purchases. The use of your Card in this manner 
    The following provisions apply only to Electronic Fund Transfers  constitutes a simultaneous withdrawal from and/or demand upon your 
    (�EFTs�).  EFTs are any transfer of funds initiated with your Card(s) at an  checking account, even though the transaction may not actually be 
    ATM or as a debit transaction at Point of Sale.  We can cancel these  posted to your account until a later date.  
    services at any time and for any reason without notice.  We can also   
    cancel your entire Account, including credit card services, and revoke  Only Commerce checking accounts are eligible for this functionality and 
    your Card(s) as provided in the CANCELLATION paragraph above.  This  only one (1) Commerce Bank checking account can be designated as 
    may be done by an ATM or merchant not returning your Card(s) to you.   the Point of Sale Account at any one time.  Your Point of Sale Account 
    We may change the terms of this Agreement relating to EFTs without  shall always remain as an ATM Account.  If at any time you instruct 
    notice to you unless required by law.     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.     
                                               
    TELEPHONE NUMBER AND ADDRESS TO BE NOTIFIED IN EVENT 
                                              ATM and Point of Sale transactions will post to your checking account(s) 
    OF UNAUTHORIZED TRANSFER 
                                              as detailed in your Deposit Agreement.    
    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 
                                              Foreign Transaction 
    permission using information from your check. Telephoning is the best 
                                              For transactions occurring outside of the United States, the nature of 
    way of keeping your possible losses down. You could lose all the money 
                                              which is unspecified to us, we will apply the transaction to accounts in 
    in your account plus your maximum overdraft line of credit. If you tell us 
                                              the following order: checking, money-market, regular savings, 
    within 2 business days after you learn of the loss or theft of your card, 
                                              Commerce Visa or Commerce MasterCard. 
    you can lose no more than $50 if someone used your card without your 
    permission.                                
                                              Limitation on Frequency of Transfers.  There are no limitations on the 
    If you do NOT tell us within 2 business days after you learn of the loss or  number of transfers that can be made during any time period to or from 
    theft of your card, and we can prove we could have stopped someone  any deposit account, except as provided by federal regulations limiting 
    from using your card without your permission if you had told us, you  preauthorized transfers. By federal regulation, you are limited during any 
    could lose as much as $500.               statement cycle to six preauthorized transfers (three of which may be by 
                                              check, draft or similar order if the account is a money market-type 
    Also, if your statement shows transfers that you did not make, including  account). 
    those made by card, code or other means, tell us at once. If you do not   
    tell us within 60 days after the statement was mailed to you, you may not  Limitation on Dollar Amount of Transfers.  The balance available for 
    get back any money you lost after the 60 days if we can prove that we  authorizing purchases and cash withdrawals is the lesser of 1) your 
    could have stopped someone from taking the money if you had told us in  available deposit account balance, plus any credit available through an 
    time. If a good reason (such as a long trip or a hospital stay) kept you  overdraft protection line of credit or through any overdraft authorized by 
    from telling us, we will extend the time period. By permitting another  us in our sole discretion, OR 2) daily dollar limitations. For cash 
    person to use the card, you authorize and are fully liable for any  advances against a Commerce Bank credit card, you may withdraw cash 
    transactions that person initiates until that person's authority is ended.  up to the lesser of your credit line or daily dollar limitations. In addition, 
    You may only end that person's authority by notifying us.   daily withdrawal frequency limitations may apply to cash advances. 
                                              Dollar limitations may differ at ATMs other than ours. 
    If you believe your card has been lost or stolen, or that someone has   
    transferred or may transfer money from your account without your  Online Gambling.  You agree that you will not use your card for any 
    permission, call us at 1-800-617-7480 or write to us at Commerce Bank,  purpose that has been deemed illegal. We reserve the right to deny 
    PO Box 411036, Kansas City, MO 64141-1036. You should also call the  authorization requests from online gambling merchants, whether or not 
    number or write to the address listed above if you believe a transfer has  online gambling is illegal in the state in which you use your card. 
    been made using the information from your check without your   
    permission.                               Reservations and Merchant Authorization.  Under certain 
                                              circumstances, a merchant (e.g., hotel) may require the use of a card to 
    BUSINESS DAY                              guarantee reservations that may result in a hold on the available funds in 
    Our business days are Monday through Friday. Federal Reserve  the account. If you cancel any guaranteed reservation made using the 
    holidays are not included.                card, you must obtain a cancellation number. If you fail to do so, the hold 
                                              placed for the guaranteed reservation will not be canceled and the 
    TYPES OF AVAILABLE TRANSFERS AND LIMITS ON TRANSFERS  amount will be held against the balance in the account. This may limit 
    Account Access.  The following EFTs are only available if you request  your future transactions. Further, if the merchant subsequently charges 
                 SM
    the Special Connections  Feature. Depending on the type of accounts  the amount of the guaranteed reservation to the account, we will not be 
    that Commerce determines from time-to-time are eligible for the Special  obligated to re-credit the account if you fail to obtain a cancellation 
    Connections Feature as well as which of your accounts you choose to   number. In addition, authorizations issued for card transactions must be 
                                              canceled when you initiate a card transaction and subsequently use 
                                              another form of payment for the transaction such as a credit card or 
                                              cash, since failure to have the authorization canceled may also result in 
                                              a hold on funds in the account and limit your future transactions. 
     
                                4 
     
                                              Our Liability for Failure to Make Transfers. If we do not complete a 
    POINT OF SALE TRANSACTIONS                transfer to or from your deposit account on time or in the correct amount 
                             SM
    The use of your card with the Special Connections  Feature to  according to our Agreement with you, we will be liable for your losses or 
                                            
    purchase goods and services constitutes a simultaneous withdrawal from  damages. However, there are some exceptions. We will not be liable, for 
    and/or demand upon your checking account, even though the transaction  instance:  
    may not actually be posted to your account until a later date. Any person  ?  If through no fault of ours, you do not have enough money in your 
    or merchant honoring your card may be required to obtain approval or  account to make the transfer.  
    authorization for any transaction. When we approve a non-PIN  ?  If the transfer would go over the credit limit on your overdraft line.  
    transaction (which may or may not require your signature), we may  ?  If the ATM where you are making the transfer does not have 
    immediately reduce the available balance in your checking account by  enough cash.  
    the authorization amount requested by the merchant even though we  ?  If the terminal or system was not working properly and you knew 
    have not received the transaction electronically for payment, which may  about the breakdown when you started the transaction.  
    differ from the final posted amount.      ?  If circumstances beyond our control (such as flood or fire) prevent 
                                                the transfer, despite reasonable precautions that we have taken.  
    This authorization amount will not be available until our receipt of the 
                                              ?  There may be other exceptions stated in our Agreement with you.  
    transaction OR no more than three business days after the transaction 
                                               
    date, whichever first occurs. If funds are not available for checks, other 
                                              ERROR RESOLUTION PROCEDURES 
    items or debits, you may be subject to overdraft or insufficient funds fees. 
                                              In case(s) of errors or questions about your EFTs, telephone us at 1-800-
    Transactions with your card will be posted to your account in the order 
                                              617-7480 or write us at Commerce Bank, PO Box 411036, Kansas City, 
    and with the same legal effect as checks or other debits drawn on your 
                                              MO 64141-1036 as soon as you can, if you think your statement or 
    account. You may use your card only in the manner and for the purposes 
                                              receipt is wrong, or if you need more information about a transfer listed 
    authorized by this Agreement. We may recognize a transaction even if 
                                              on the statement or receipt. We must hear from you no later than 60 
    we have not authorized it, but that does not mean we will authorize the 
                                              days after we sent the FIRST deposit statement on which the problem or 
    same type of transaction again. You do not have the right to stop 
                                              error appeared.  
    payment on any transaction originated by use of your card with the 
               SM                             ?  Tell us your name and account number.  
    Special Connections  Feature, except recurring preauthorized transfers 
                                              ?  Tell us the name of the merchant, the transaction date and the 
    as described in this Agreement.  
                                                dollar amount of the suspected error.  
     
                                              ?  Describe the error or the transfer you are unsure about, and explain 
    Overdrafts. You are responsible for all authorized transactions initiated 
                             SM                 as clearly as you can why you believe it is an error or why you need 
    by use of your card with the Special Connections  Feature. If a negative 
                                                more information.  
    balance (overdraft) in your checking account results from the use of the 
                                              ?  Tell us if you have already attempted to resolve the issue directly 
    card with the Special Connections Feature, you will pay us on demand 
                                                with the merchant.  
    this negative balance and our then current charge for overdrafts. If you 
                                              ?  If you tell us orally, we may require that you send your complaint or 
    have an overdraft line of credit (Checking Plus) for an account, you are 
                                                question in writing within 10 business days.  
    bound by the rules and regulations that apply to that credit privilege 
                                               
    (Overdraft Protection). In addition, if your checking account is closed 
                                              We will determine whether an error occurred within 10 business days 
    before transactions are posted, you will pay us on demand the 
                                              after we hear from you and will correct any error promptly. If we need 
    outstanding amount. 
                                              more time, however, we may take up to 45 calendar days to investigate 
     
                                              your complaint or question. If we decide to do this, we will credit your 
    FEES 
                                              deposit account within 10 business days for the amount you think is in 
    Fees for all Electronic Fund Transfer services are disclosed in our fee 
                                              error so that you will have the use of the money during the time it takes 
    schedule. You will receive a fee schedule at account opening. You may 
                                              us to complete our investigation. If we ask you to put your complaint or 
    request a copy of our current fee schedule at any Commerce branch or 
                                              question in writing and we do not receive it within 10 business days, we 
    by contacting 1-800-453-2265. When you use an ATM not owned by us 
                                              may not credit your deposit account.  
    you may be charged a fee by the ATM operator (or any network used) for 
                                               
    a transaction or for a balance inquiry even if you do not complete a fund 
                                              For errors involving new accounts, point-of-sale, or foreign-initiated 
    transfer. 
                                              transactions, we may take up to 90 days to investigate your complaint or 
     
                                              question. For new accounts, we may take up to 20 business days to 
    RIGHT TO RECEIVE DOCUMENTATION OF TRANSFERS 
                                              credit your account for the amount you think is in error.  
     
                                               
    Terminal Receipts. You will get a receipt at the time you make any 
                                              We will tell you the results within three business days after completing 
    transfer to or from your deposit account using an ATM or electronic POS 
                                              our investigation. If we decide that there was no error, we will send you a 
    terminal.  
                                              written explanation. You may ask for copies of documents that we used 
     
                                              in our investigation. 
    Preauthorized Credits. If you have arranged to have direct deposits 
                                               
    made to your deposit account at least once every 60 days from the same  �
                                              TOGGLE  FEATURE 
    person or company, you can call us at 1-800-746-8704 to find out  �
                                              Commerce may add toggle  to any Qualified Commerce Visa or 
    whether or not the deposit has been made.  
                                              MasterCard Credit Card Account.  
     
                                               
    Periodic Statement. You will get a monthly deposit statement if you 
                                              DEMAND DEPOSIT ACCOUNT 
    have a deposit account upon which checks or drafts may be drawn. You 
                                              You may link up to two (2) DDAs to Your Qualified Commerce Credit 
    will get a monthly deposit statement on your regular savings account if  �
                                              Card Account for the use of the toggle  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 
    each payment, when it will be made and how much it will be. You may  paid 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 
                                              Account. 
     
                                5 
     
                                                     �               �
                                              By using toggle , You agree to all of the toggle  features, limitations and 
    Purchases may take 1-2 business days to post to Your Account following  restrictions contained in these Terms and Conditions as well as any 
    the date of Purchase. After the Purchase has posted to Your Account, an  additional terms and conditions contained in any programs, promotions 
                                            
    ACH may take 1-2 business days to appear as a debit on Your DDA.  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 
    Payments are not applied to the required minimum payment due on Your  Commerce.  
    Statement each month. You will still have a required minimum payment   
    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  Commerce Bank a reasonable opportunity to act upon the termination 
    will not be automatically paid for from a DDA, and will become a part of  (but in no event less than three business days). Commerce reserves the 
                                                             �
    your 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 Cardholder 
    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 
               �
    regards 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 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 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 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.  
     
     
                                6