CARDHOLDER AGREEMENT 
                                               
                                                    
                                               
     
    This cardholder agreement (�Agreement�) is for your Account with  We are not responsible for any losses or damages, including 
    Commerce Bank, and the Card(s) which has/have been given to you in  consequential damages, if a transaction on your Account is declined,  
    connection with your Account.  Such Account and Card(s) provide you  either by us or a third party, even if you have sufficient credit available. 
    with credit card services and ATM Services.  �You� and �your� mean any   
    applicant for the Account and any person using the Account and/or  PROMISE TO PAY 
    related Card(s) with the expressed or implied permission of any of the  You promise to pay for all Purchases, Balance Transfers, Convenience 
    applicants.  Any person whose name appears on the Account for the  Checks, and Cash Advances made by you through the use of the 
    Card(s) accompanying this Agreement consents, either by using or  Account.  In addition, you promise to pay all other amounts owed due to 
    permitting another to use the Card(s), to all provisions of this Agreement  use of the Account by anyone else you authorize to use the Account until 
    and the related Security Agreement and Assignment of Secured Credit  such person�s authority is ended.  You may only end such person�s 
    Card Savings Account and Deposit Account Agreement.  �We�, �us� and  authority by notifying us in writing and returning to us any Card such 
    �our� means Commerce Bank, our successors and assigns.    person may have.  All of you are responsible, both together and 
                                              individually, for the entire Account balance even though only one of you 
    In this Agreement:                        uses the Account. 
    Account is your credit card account.       
    Annual Fee is a fee charged on a yearly basis for your continued use of  SECURED CREDIT CARD SAVINGS ACCOUNT 
    the Account.                              You are required to open a pledged account (�Pledged Account�) which 
    APR is Annual Percentage Rate.            will serve as security for your Obligations and execute a security 
    ATM is Automated Teller Machine.          agreement and assignment of secured credit card savings accout 
    Balance Transfer is an advance made when transferring a balance from  (�Savings Account�). The owners of the Savings Account and the 
    another creditor to your Account.         Pledged Account must be the same. The issuance of your Card or 
    Business Days are Monday through Friday.  Federal holidays are not  increase of your credit limit may be delayed for a reasonable period of 
    included.                                 time, following the deposit of funds to the Pledged Account.   
    Card is the credit card(s) given to you in connection with your Account.   
    Cash Advance includes:                    Collateral securing other loans with us may also secure this 
      � Non-Overdraft Cash Advance is an advance made by means of  indebtedness. 
      an electronic device or machine, or a financial institution teller, or for   
      the purchase of wire transfers, non-U.S. currency, travelers� checks,  BILLING STATEMENTS 
      money orders, lottery tickets and casino gaming chips.  Approximately once a month, you will receive a Statement.  On average, 
      � Overdraft Cash Advance is an advance made by means of  your payment is due within 25 days from the date of the Statement 
      overdraft protection.                   (payment due date). 
    Cash Limit is the maximum dollar amount of your Credit Line, as defined   
    herein, available for Cash Advances.      PAYMENT OPTIONS 
    Charges are costs imposed as part of this Agreement and include both  You may pay the new balance shown on your Statement each month or 
    interest and fees.                        you may pay in monthly installments.  If you decide to pay in monthly 
    Convenience Check is a check provided to you to access credit from  installments, you must pay at least the minimum payment on your 
    your Account.                             Statement.  The minimum payment will be the greater of: 
    Daily Balance is determined, for each day in the billing cycle, by taking   
    the beginning balance, adding any new transactions or other debits, and  �  $30.00 or the full amount of your total balance if it is less than 
    subtracting any payments or other credits.  $30.00; or 
    Daily Periodic Rate is the APR divided by 365.  �  1.00% of your new balance plus any amounts that are past due, 
    Fees are non-Interest Charges, including transaction fees.   plus Fees (excluding Balance Transfer and/or Convenience Check 
    Grace Period means the period of time during the billing cycle when you  Fees) and Interest Charges accumulated during the billing period. 
    will not accrue Interest Charges on certain transactions or balances.     
    Interest Charges are the portion of Charges attributed to periodic  When a payment is posted to your Account, we reserve the right to 
    interest rates.                           restrict or delay all or part of the available credit created by the payment.  
    PIN is Personal Identification Number.    The restriction or delay of the available credit is for risk management or 
    Prime Rate is the U.S. Prime Rate published in The Wall Street Journal  other related purposes, including but not limited to protection against 
    in its column called �Money Rates� on the last Business Day of each  actual or potential fraudulent activities or unauthorized transactions.  
    month.                                     
    Obligations are any and all amounts owed under this Agreement  OVERDRAFT PROTECTION 
    including, but not limited to, Purchases, Cash Advances and Charges.  If you select overdraft protection, a Cash Advance will be made to cover 
    Promotional Balance is the balance subject to the Promotional Rate.   an overdraft in your designated Commerce Bank deposit account.  Such 
    Balances subject to Introductory Rates are included.  Overdraft Cash Advances will be in the amount of $50.00 or multiples of 
    Promotional Rate is a rate other than the standard rate, tied to a special  $50.00.  If the designated deposit account is a joint account, you will be 
    offering.  A Promotional Rate offered when you open your Account may  liable for all overdrafts on the account regardless of which joint account 
    be called an Introductory Rate.           owner caused, or benefited from the overdraft.  Each Overdraft Cash 
    Purchase means purchase of merchandise or services on the Account  Advance is at our discretion.  We may permit or refuse to permit any 
    plus Charges, but does not include any Balance Transfer, Convenience  Overdraft Cash Advance that would cause you to exceed the Cash Limit 
    Check, Cash Advance and related Fees or Interest Charges.  on your Account.  We are not liable or responsible for any check drawn 
    Secured Credit Card Savings Account (�Pledged Account�) is a   that may for any reason be returned or otherwise dishonored.  We may 
    deposit account that serves as collateral for your Obligations.    cancel this overdraft feature at any time without notice. 
    Statement is your billing statement.       
                                              BALANCE ON WHICH INTEREST CHARGES ARE CALCULATED 
    CREDIT CARD SERVICES                      If you accrue any Interest Charges on your Account at a variable rate, 
                                              that rate will be calculated by adding a margin to the Prime Rate.  Please 
    The following provisions relate only to credit card services except as 
                                              see the ACCOUNT OPENING DISCLOSURE, which is part of this 
    otherwise applicable. 
                                              Agreement, for specific information regarding the APRs used to 
     
                                              compute your Interest Charges. 
    ACCOUNT DESCRIPTION 
                                               
    At Account opening, we will grant you a line of credit with a minimum 
                                              We calculate your Daily Balance for each day in the billing cycle by 
    dollar limit of $400, and a maximum dollar limit of $5,000 equal to the 
                                              taking your beginning balance, adding any new transactions or other 
    amount you deposit into your Pledged Account (�Credit Limit�) and may 
                                              debits, and subtracting any payments or other credits.  We multiply the 
    designate a �Cash Limit�. If your account is in good standing, you may 
                                              Daily Balance by the Daily Periodic Rate to get your Interest Charges for 
    subsequently increase the credit limit by depositing additional funds in 
                                              that day.  We add these Interest Charges to your Daily Balance to get 
    increments of $100 dollars to the Pledged Account up to the $5,000 
                                              the beginning balance for the next day.  We do this for all days on which 
    maximum. Accrued interest on the Pledged Account will be included in 
                                              you have a balance owing on the Account, disregarding any credit 
    meeting the $100 increment. Larger deposits and credit limits in excess 
                                              balance, for the billing cycle. 
    of $5,000 are at our sole discretion. These limits will be indicated on your 
                                               
    Statement. You may not decrease your credit limit by withdrawing funds 
                                              We add all the daily Interest Charges and round the sum to the next 
    from the Pledged Account.   
                                              highest cent to get your total Interest Charges for that billing cycle.  We 
     
                                              do this calculation separately for each type of balance. 
    Subject to the terms of this Agreement, you may use your Account to 
                                               
    make Purchases and obtain Balance Transfers, Convenience Checks, 
                                              The Prime Rate used to determine the APR on your Account is the U.S. 
    and Cash Advances that do not exceed your Credit Limit and/or Cash 
                                              Prime Rate published in The Wall Street Journal in its column called 
    Limit at any time.  Should your Purchases, Balance Transfers, 
                                              �Money Rates� on the last Business Day of each month.  Although each 
    Convenience Checks, and/or Cash Advances ever exceed your Credit 
                                              Daily Periodic Rate is determined by an index published prior to the first 
    Limit and/or Cash Limit, we reserve the right to terminate this Agreement 
                                              day of each calendar month, the respective Daily Periodic Rate will only 
    and demand the return of your Card(s).  We can increase or decrease 
                                              become effective and charged as of the first day of the monthly billing 
    your Credit Limit and/or Cash Limit at any time without prior notice or 
                                              period following the respective calendar month in which the index is so 
    liability.  A change to your Credit Limit and/or Cash Limit will not affect 
                                              published.  No representation is made that the U.S. Prime Rate is the 
    your obligation to pay us. 
                                              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 
    We may decline, at any time in our sole discretion, an authorization 
                                              will choose a new index based on comparable information.  An increase 
    request for any transaction for any reason, included but not limited to:                                              
                                              in the Prime Rate will cause your interest rate to increase and may cause 
       �  operational considerations, 
                                              your minimum monthly payment to increase. 
       �  your Account is in default, 
                                               
       �  we suspect fraudulent or unlawful activity 
                                               
     
                                               
     
                                               
     
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    INTEREST CHARGE COMPUTATION               requests related to billing error resolution within 60 days of the disputed 
                                              transaction. 
    �  ON PURCHASES:  Interest Charges begin to accrue on the   
                                                    
       transaction date, provided such date will never be later than the  TOTAL FEE COMPUTATION 
     
       date the Purchase is posted to the Account or earlier than the first  We add all Fees assessed to obtain your total Fees for each billing cycle.   
       day of the billing cycle for the Statement on which such transaction   
       is shown.  Purchases are subject to a Grace Period.  If the previous  CANCELLATION 
       balance is zero, or was paid in full by the payment due date shown  To the extent permitted by law, Commerce Bank may cancel your 
       on your Statement, no Interest Charge will be assessed on current  Account, refuse to allow further transactions against your Account or 
       Purchases.                             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 
    �  ON BALANCE TRANSFERS OR CONVENIENCE CHECKS:   you may have with a sponsoring organization ceases or when any 
       Interest Charges begin to accrue on the date of the Balance  agreement we may have with the sponsoring organization is terminated.  
       Transfer or Convenience Check, provided such date will never be  Cancellation of your Account will not affect your liability to us for credit 
       later than the date the Balance Transfer or Convenience Check is  we have extended to you, including amounts not yet billed to your 
       posted to the Account or earlier than the first day of the billing cycle  Account.  We may cancel your Account without prior notice or liability.  
       for the Statement on which such transfer or check is shown.   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. 
    �  ON CASH ADVANCES:  Interest Charges begin to accrue on the   
       date of the Cash Advance, provided such date will never be later  CONDITIONS OF DEFAULT 
       than the date the Cash Advance is posted to the Account or earlier  We may consider you to be in default if we do not receive a required 
       than the first day of the billing cycle for the Statement on which such  payment when due, including the minimum payment by the date shown 
       advance is 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 
    TOTAL INTEREST CHARGE COMPUTATION         application; you file a bankruptcy petition or have one filed against you; 
    We add Interest Charges for each type of balance to obtain your total  we obtain information that causes us to believe that you may be unwilling 
    Interest Charge for each billing cycle.    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 
    TERMINATION OF INTRODUCTORY OR PROMOTIONAL RATES  indebtedness or loan; you are declared incompetent by a court or a court 
    If during an Introductory or Promotional Rate period, we have not  appoints a guardian/ conservator for you or your assets; or you die. 
    received the required minimum monthly payment within 60 days of the   
    respective payment due date, we will increase the applicable APR to the  If we consider your Account to be in default, we may close your Account 
    penalty APR.  Introductory and/or Promotional Rates will not be  without notice, require you to pay the balance in a manner permitted by 
    reinstated.                               law and/or exercise our rights under the Security Agreement and 
                                              Assignment of Secured Credit Card Savings Account (subject to 
    FEES                                      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� 
    TRANSACTION, ANNUAL AND PENALTY FEES:     fees, court costs, and all other expenses of enforcing our rights under 
                                              this Agreement. 
    Please see the ACCOUNT OPENING DISCLOSURE for information   
    regarding the specific Fees that may be charged to your Account.  ALLOCATION OF PAYMENTS 
                                              We will allocate your minimum payment in the manner we determine.  
    Minimum Interest Charge                   We will apply the amount in excess of the minimum payment to balances 
    A minimum Interest Charge will be imposed in any billing cycle for which  with higher APRs before balances with lower APRs. 
    an Interest Charge is payable, and will appear on your Statement as a   
    Fee.                                      RECEIPT OF PAYMENTS 
                                              Payments received before 5 PM CT at the address shown on your 
    Annual Fee                                Statement on any of our regular Business Days will be posted as of the 
    An annual Fee (�Annual Fee�) will be charged annually to your Account.    date of receipt.  Payments made in person before the close of business 
    The imposition or payment of an Annual Fee does not affect or limit our  to an employee at a Commerce branch will be posted as of date of 
    right to terminate this Agreement, cancel your Account, and demand  receipt.  Payments mailed to the address shown or made in person at a 
    payment, in a manner permitted by law, of any amounts owed on your  branch must be accompanied by the Account number or payment stub, 
    Account.                                  and in the form of a check or money order in U. S. Dollars drawn on a U. 
                                              S. financial institution.  Convenience Checks will not be accepted as a 
    Late Payment Fee                          form of payment.  Do not send cash through the mail. A delay in crediting 
    For each minimum payment not received by the fifteenth day following  the payment to your Account may occur if the payment does not meet 
    the payment due date, we may charge a Fee (�Late Payment Fee�).    these requirements for making payments (conforming payments). In no 
                                              case shall such delay exceed five days from receipt of such payment. 
    Foreign Transactions                       
    Visa and MasterCard Purchases, cash withdrawals and Cash Advances  The cutoff time for payments made on any of our regular Business Days 
    made in currencies other than U.S. Dollars will be converted to U.S.  through Commerce as transfers from your Commerce deposit account 
                           �  Dollars under regulations established by VISA International and  are as follows:  Commerce ATM, 7:00 PM CT; Commerce Online 
          �  MasterCard International.  Visa conversion will be at a rate selected by  Banking, including Mobile Banking, 7:00 PM CT; Commerce Account 
    Visa from the range of rates available in wholesale currency markets for  Information Line, 7:00 PM CT; Commerce BankCards Online, 11:00 PM 
    the applicable central processing date, which may vary from the rate  CT; Commerce Collections Department, 11:00 PM CT. A payment made 
    Visa itself receives or the government-mandated rate in effect for the  through Commerce Online Bill Pay will be posted on the Pay Date. 
    applicable central processing date.  MasterCard conversion will be at a   
    rate selected by MasterCard, typically either a government-mandated  Conforming payments received after the respective cutoff time will be 
    rate or a wholesale rate provided to MasterCard.  Conversion to U.S.  posted no later than the next Business Day.  Payments made by a third-
    dollars may occur on a date other than the date of the transaction.   party payor, will be posted as of the date we receive the payment. 
    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  When the due date falls on a weekend or holiday, your payment due 
    the applicable foreign transaction Fee.  For Purchases, cash  date will be on the next Business Day. 
    withdrawals, and Cash Advances made in U.S. dollars outside of the   
    United States and its territories, you agree to pay the transaction  We may accept late payments, partial payments or checks and money 
    amount, plus the applicable foreign transaction Fee.  orders (or accompanying written communication) containing a statement 
                                              to the effect that the instrument was tendered as �payment in full,� full 
    Balance Transfer Or Convenience Check Transaction Fee  satisfaction of a disputed claim or other similar language without losing 
    You will not be charged a transaction Feefor each Balance Transfer  any rights under this Agreement or under the law.  All such payments or 
    and/or Convenience Check posted to your Account.  written communications must be mailed to:  Commerce Bank, P.O. Box 
                                              410857, Kansas City, MO 64141-1857. 
    Non Overdraft Cash Advance Transaction Fee   
    You will not be charged a transaction Feefor each Cash Advance posted  CHANGE OF TERMS 
    to your Account.                          Provided the Account is meeting the terms of this Agreement:  (1) We 
                                              will not increase an introductory APR during any Introductory Rate 
    Overdraft Cash Advance Transaction Fee    period; and (2) We will not increase any APR, Annual Fee or minimum 
    You will not be charged a transaction Fee for each Cash Advance  Interest Charge for 12 months following account opening, except for 
    resulting from the overdraft protection.  increases due to the expiration of an Introductory or Promotional Rate 
                                              period, if any; changes in the Prime Rate; completion or failure of a 
    Overlimit Fee                             temporary hardship arrangement; or the end of military service to which 
    In the event your balance exceeds your credit limit, no Fee will be  the provisions of the Servicemembers Civil Relief Act (SCRA) apply. 
    charged.                                  (�Exceptions�).  Otherwise, we may change the terms of the Agreement 
                                              at any time, after notice and the right to reject if required by law.  
    OTHER FEES:                               Changes in any APR, other than the stated Exceptions, Annual Fee or 
                                              minimum Interest Charge will apply to new transactions created after the 
    Returned Payment Fee                      end of the 14th day following our providing notice to you.  If you reject a 
    A Fee will be charged for any check or other form of payment sent to us  change, your Account will be cancelled and you will no longer be able to 
    which is returned unpaid.                 use the Account.   
                                               
    Convenience Checks and Document Copy Charges  Cancellation of your Account will not affect your liability to us for credit 
    Charges for Convenience Checks and requests for copies of sales  we have extended to you, including amounts not yet billed to your 
    drafts, Statements or other documents related to your Account may be  Account. 
    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   
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    ELECTRONIC RECORDS                          that Commerce Bank and its Affiliates may also share other 
    You agree that this document and all paper records related to your  information about you or your Account. 
    Account and whether or not the other paper records were submitted,  �  You must notify us immediately at Commerce Bank, P.O. Box 
                                                    
    received or obtained in advance of, contemporaneously with or  411036, Kansas City, MO 64141-1036, if you believe any 
     
    subsequent to, the delivery of this document may, at the option of  information we reported to a credit reporting agency is inaccurate. 
    Commerce Bank, be converted by any digital or electronic method or   
    process to an electronic record or subsequently further converted or  CHANGES IN ADDRESS 
    migrated to another electronic record format or electronic storage  You agree to notify us immediately if you change your address. 
    medium.  You further agree that upon conversion to an electronic record   
    as authorized herein such electronic record shall be the record of the  INTERPRETATION 
    transaction and the electronic record shall have the same legal force and  The Agreement shall be governed by applicable federal law and 
    effect as the paper documents from which it was converted.  You waive  regulations.  To the extent not preempted by applicable federal law, this 
    any legal requirement that any documents digitally or electronically  Agreement shall be governed by the laws of the state of Missouri.  
    converted be embodied, stored, or reproduced in a tangible media.  You   
    undersigned and agree that a printed or digitally reproduced copy of the  Your Billing Rights: Keep this Document for Future Use 
    electronic record shall be given the same legal force and effect as a  This notice tells you about your rights and our responsibilities 
    signed writing.  In addition, you authorize and agree to destruction of the  under the Fair Credit Billing Act. 
    paper documents by Commerce Bank upon conversion of the paper   
    documents to a digital or electronic record.  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: 
    COMMUNICATIONS CONSENT                    Commerce Bank P.O. Box 411036, Kansas City, MO 64141-1036. 
    You expressly consent and agree that Commerce Bank and their  You may also send us this information via fax at 1-816-234-2811 
    affiliates, agents, vendors, collections agencies, and service providers   
    may use written, electronic or verbal means to contact you.  The ways in  In your letter, give us the following information: 
    which we may contact you include, but are not limited to, contact by  �  Account information: Your name and Account number. 
    manual calling methods, live operator calls, prerecorded or artificial voice  �  Dollar amount: The dollar amount of the suspected error. 
    calls and messages, text messages, emails, and/or automatic telephone  �  Description of problem: If you think there is an error on your 
    dialing systems. You agree that Commerce Bank and their affiliates,  bill, describe what you believe is wrong and why you believe it 
    agents, vendors, collections agencies, and service providers may contact  is a mistake. 
    you by using any email address or any telephone number you provide,  You must contact us: 
    now or in the future, including a number for a cellular phone or other  �  Within 60 days after the error appeared on your Statement. 
    wireless device, regardless of whether you incur charges as a result.  
                                                �  At least 3 Business Days before an automated payment is 
    Phone numbers and email addresses, you provide include those you 
                                                   scheduled, if you want to stop payment on the amount you 
    give to us, those from which you contact us or which we obtain through 
                                                   think is wrong. 
    other means. Message and data rates may apply. 
                                              You must notify us of any potential errors in writing. You may call us, but 
     
                                              if you do we are not required to investigate any potential errors and you 
    Indemnification   
                                              may have to pay the amount in question. 
    If you provide telephone number(s) for which you are not the subscriber, 
                                               
    you understand that you shall indemnify us for any costs and expenses, 
                                              What Will Happen After We Receive Your Letter 
    including reasonable attorneys� fees, incurred as a result of us contacting 
                                               
    or attempting to contact you at the number(s) provided. In the event any 
                                              When we receive your letter, we must do two things: 
    of your contact information changes, you agree to immediately notify us. 
                                              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 
    Communication Revocation  
                                              error. 
    If you do not want to receive communications as described in the 
                                               
    previous paragraph, you must: (i) provide us with written notice revoking 
                                              2. Within 90 days of receiving your letter, we must either correct the error 
    your prior consent, (ii) in that written notice, you must include your name, 
                                              or explain to you why we believe the bill is correct. 
    mailing address, and the last four digits of your Account number; (iii)   
                                               
    advise whether you would like communications to cease via mail, voice 
                                              While we investigate whether or not there has been an error: 
    calls, telephone number(s), email, text/SMS, or cease in all forms; (iv) if 
                                                �  We cannot try to collect the amount in question, or report you 
    you are requesting communications to cease via telephone number(s) 
                                                   as delinquent on that amount. 
    and/or email, please provide the specific phone number(s) and email 
                                                �  The charge in question may remain on your Statement, and 
    address; (v) you must send this written notice to: 
                                                   we may continue to charge you interest on that amount. 
     
                                                �  While you do not have to pay the amount in question, you are 
    Commerce Bank 
                                                   responsible for the remainder of your balance. 
    Attention � Commerce Bank Customer Service 
                                                �  We can apply any unpaid amount against your credit limit. 
    P.O. Box 411036, Kansas City, MO 64141-1036 
                                              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 
    Telephone Conversation Recording  
                                                   question or any Interest Charges or other Fees related to that 
    You consent and agree that our staff may monitor and/or record phone 
                                                   amount. 
    calls between you and our representatives without additional notice to 
    you, including but not limited to calls we make to service your account or  �  If we do not believe there was a mistake: You will have to pay 
    collect debt(s).                               the amount in question, along with applicable Interest Charges 
                                                   and Fees. We will send you a Statement of the amount you 
    MILITARY LENDING ACT DISCLOSURE                owe and the date payment is due. We may then report you as 
    Federal law provides important protections to members of the Armed  delinquent if you do not pay the amount we think you owe. 
    Forces and their dependents relating to extensions of consumer credit. In   
    general, the cost of consumer credit to a member of the Armed Forces  If you receive our explanation but still believe your bill is wrong, you must 
    and his or her dependent may not exceed an annual percentage rate of  write to us within 10 days telling us that you still refuse to pay. If you do 
    36 percent. This rate must include, as applicable to the credit transaction  so, we cannot report you as delinquent without also reporting that you 
    or account: The costs associated with credit insurance premiums; fees  are questioning your bill. We must tell you the name of anyone to whom 
    for ancillary products sold in connection with the credit transaction; any  we reported you as delinquent, and we must let those organizations 
    application fee charged (other than certain application fees for specifed  know when the matter has been settled between us. 
    credit transactions or accounts); and any participation fee charged (other   
    than certain participation fees for a credit card account). You can call toll  If we do not follow all of the rules above, you do not have to pay the first 
    free to 855-225-1576 to hear the applicable required Military Lending Act  $50 of the amount you question even if your bill is correct. 
    disclosures.                               
                                              Your Rights If You Are Dissatisfied With Your Credit Card 
    MISCELLANEOUS PROVISIONS                  Purchases 
    You also agree that:                       
                                              If you are dissatisfied with the goods or services that you have 
    �  We may refuse to extend credit to you or anyone using your 
                                              Purchased with your credit card, and you have tried in good faith to 
       Account or Card(s). 
                                              correct the problem with the merchant, you may have the right not to pay 
    �  We will not be liable or responsible for anyone�s refusal to honor 
                                              the remaining amount due on the Purchase. 
       your Card(s). 
                                               
    �  Each Account you have with us is separate from any others you 
                                              To use this right, all of the following must be true: 
       have with us, and Interest Charges will be charged on each 
                                              1. The Purchase must have been made in your home state or within 100 
       Account�s balance at the APR given with each Agreement.  Each 
                                              miles of your current mailing address, and the purchase price must have 
       individual Account will be designated by an individual Account 
                                              been more than $50. (Note: Neither of these are necessary if your 
       number. 
                                              Purchase was based on an 
    �  Your Card(s) are Commerce Bank property. 
                                              advertisement we mailed to you, or if we own the company that sold you 
    �  We may change the premium enhancements offered at any time 
                                              the goods or services.) 
       without further notice to you. 
                                              2. You must have used your credit card for the Purchase. Purchases 
    �  Merchants with whom you�ve shared your Account number may be 
                                              made with Cash Advances from an ATM or with a check that accesses 
       updated with new Account information to ensure the continuation of 
                                              your credit card Account do not qualify. 
       your payment agreement. 
                                              3. You must not yet have fully paid for the Purchase. 
    �  You will not use your Card(s) for any purpose that has been   
       deemed illegal.  We reserve the right to deny authorization requests  If all of the criteria above are met and you are still dissatisfied with the 
       from online gambling merchants, whether or not online gambling is  Purchase, contact us in writing at: 
       illegal in the state in which you reside.   
    �  Commerce Bank may share your Account experience and  Commerce Bank P.O. Box 411036, Kansas City, MO 64141-1036. 
       transaction information with its Affiliates, which are members   
       of the Commerce Family of Companies as defined in your  While we investigate, the same rules apply to the disputed amount as 
       Privacy Statement.  Unless you call 1-800-543-4845, you agree  discussed above. After we finish our investigation, we will tell you our 
                                3 
     
    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.               
                                               
                                               
    __________________________________________   
                                               
    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.   
                                               
                                               
                                               
    (Effective 02/12/2019)                     
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                                                                              OPTIONAL FEATURES 
                                4 
     
                                               
                                                     OPTIONAL FEATURES 
                                               
                                                    
                                               
     
    Commerce Bank credit cards may come with optional credit card  regular savings, and money-market accounts to make payments on your 
                             SM    � payment features, including Special Connections  and toggle . The  Commerce credit cards, lines of credit or loans or (iii) take cash 
                    � Special Connections and toggle  features are offered at the sole  advances on your Commerce credit cards.   
    discretion of Commerce Bank (�Commerce�) to Accountholders (�You� or   
    �Your�) that have Qualified Commerce Bank Credit Card Accounts.  A  The account(s) you designate for ATM accessibility will be considered 
                                                          SM �Qualified Commerce Credit Card Account� means any open Account  your Special Connections  Feature at the ATM account(s) (each, a 
    that is not designated by Commerce as lost, stolen, fraud transferred,  �ATM Account�).  If you wish to designate one or more checking 
    credit revoked, closed, bankrupt, charged off, or in Consumer Credit  accounts as an ATM Account, then you must designate one of those 
    Counseling or recovery. By using these optional features, you  checking accounts as your Point of Sale Account as defined below.  In 
    acknowledge that you have read and accepted the Commerce Bank  order to have ATM access to your checking accounts, you must at all 
                                    SM Special Connections terms and conditions (�Special Connections   times maintain a Point of Sale Account.  If you no longer have a Point of 
                                � Terms and Conditions�) and the Commerce Bank toggle  terms and  Sale Account, then you will lose ATM access to all of your checking 
              � conditions (�toggle  Terms and Conditions�) which shall govern your use  accounts.  
    of and rights under these optional features.   
                                              Commerce has no control over the functionalities offered at non-
                 SM                � The Special Connections  Terms and Conditions and toggle  Terms  Commerce ATMs.  Some or all of these features may not be available at 
    and Conditions are a separate agreement and are not part of your  all non-Commerce ATMs and some ATMs may allow you to perform 
    Agreement.                                other functions not mentioned here, including the ability to make 
                                              purchases (e.g. stamps).  If at any time you use a non-Commerce ATM 
                  SM SPECIAL CONNECTIONS  FEATURE  to request to take money from an account that you do not have or if the 
                        SM With this feature (�Special Connections  Feature�), and as permitted  non-Commerce ATM does not prompt you to select a specific account 
    from time to time, you may use your Card to access Commerce Bank  from which to take the money, then you agree that Commerce will 
    Special Connections Feature-eligible deposit accounts, credit cards,  attempt to comply with your request by providing you with money from 
    lines of credit, and/or loans. You may request the Special Connections  one of your open ATM Accounts. Cash withdrawals may be taken from 
    Feature from a Commerce Bank branch, through Commerce Bank  any open deposit ATM Account owned by you and cash advances may 
    Online Banking, or from our Customer Service Department at 1-800-645- be taken from any credit card ATM Account owned by you. 
    2103. These features are not automatically activated.   
                                              Point of Sale Transaction 
                         �  �       � For customers with a Special Connections  Visa  or MasterCard  credit  You may designate one (1) checking account as your Special 
                          SM                        SM card, please note: The Special Connections  Feature is different from a  Connections  Feature at the point of sale account (�Point of Sale 
    Commerce Bank Special Connections Visa or MasterCard credit card.   Account�).  At merchants that have agreed to accept the Card on 
                                                                           SM The Special Connections Feature allows you to add certain functionality  networks utilized by us and support the Special Connections  Feature, 
    to any Commerce Bank-issued credit card, including Commerce Bank�s  you can use funds in your Point of Sale Account to pay for your 
    Special Connections Visa or MasterCard credit card.  However, your  purchases. The use of your Card in this manner constitutes a 
    Special Connections Visa or MasterCard credit card is not automatically  simultaneous withdrawal from and/or demand upon your checking 
    enabled with the Special Connections Feature.  You must proactively  account, even though the transaction may not actually be posted to your 
    enroll any credit card, including your Special Connections Visa or  account until a later date. Merchants decide how to interact with the 
                                                        SM MasterCard credit card, in the Special Connections Feature in order for  Special Connections  Feature and the experience may vary. 
    that card to utilize the Special Connections Feature�s capabilities   
    described herein.                         Only Commerce checking accounts are eligible for this functionality and 
                                              only one (1) Commerce Bank checking account can be designated as 
    ELECTRONIC FUND TRANSFERS                 the Point of Sale Account at any one time.  Your Point of Sale Account 
    The following provisions apply only to electronic fund transfers (�EFTs�).   shall always remain as an ATM Account.  If at any time you instruct 
    EFTs are any transfer of funds initiated with your Card(s) at an ATM or  Commerce to remove the Point of Sale capabilities from your card, you 
    as a debit transaction at Point of Sale.  We can cancel these services at  will no longer have access to any of your checking accounts at the ATM.   
    any time and for any reason without notice.  We can also cancel your   
    entire Account, including credit card services, and revoke your Card(s)  ATM and Point of Sale transactions will post to your checking account(s) 
    as provided in the CANCELLATION paragraph above.  This may be  as detailed in your Deposit Agreement.    
    done by an ATM or merchant not returning your Card(s) to you.  We may   
    change the terms of this Agreement relating to EFTs without notice to  Foreign Transaction 
    you unless required by law.               For transactions occurring outside of the United States, the nature of 
                                              which is unspecified to us, we will apply the transaction to accounts in 
    TELEPHONE NUMBER AND ADDRESS TO BE NOTIFIED IN EVENT  the following order: checking, money-market, regular savings, 
    OF UNAUTHORIZED TRANSFER                  Commerce Visa or Commerce MasterCard. 
    Tell us AT ONCE if you believe your card has been lost or stolen, or if   
    you believe that an electronic fund transfer has been made without your  Limitation on Frequency of Transfers.  There are no limitations on the 
    permission using information from your check. Telephoning is the best  number of transfers that can be made during any time period to or from 
    way of keeping your possible losses down. You could lose all the money  any deposit account, except as provided by federal regulations limiting 
    in your account plus your maximum overdraft line of credit. If you tell us  preauthorized transfers. By federal regulation, you are limited during any 
    within 2 business days after you learn of the loss or theft of your card,  statement cycle to six preauthorized transfers (three of which may be by 
    you can lose no more than $50 if someone used your card without your  check, draft or similar order if the account is a money market-type 
    permission.                               account). 
                                               
    If you do NOT tell us within 2 business days after you learn of the loss or  Limitation on Dollar Amount of Transfers.  The balance available for 
    theft of your card, and we can prove we could have stopped someone  authorizing purchases and cash withdrawals is the lesser of 1) your 
    from using your card without your permission if you had told us, you  available deposit account balance, plus any credit available through an 
    could lose as much as $500.               overdraft protection line of credit or through any overdraft authorized by 
                                              us in our sole discretion, OR 2) daily dollar limitations. For cash 
    Also, if your statement shows transfers that you did not make, including  advances against a Commerce Bank credit card, you may withdraw cash 
    those made by card, code or other means, tell us at once. If you do not  up to the lesser of your credit line or daily dollar limitations. In addition, 
    tell us within 60 days after the statement was mailed to you, you may not  daily withdrawal frequency limitations may apply to cash advances. 
    get back any money you lost after the 60 days if we can prove that we  Dollar limitations may differ at ATMs other than ours. 
    could have stopped someone from taking the money if you had told us in   
    time. If a good reason (such as a long trip or a hospital stay) kept you  Online Gambling.  You agree that you will not use your card for any 
    from telling us, we will extend the time period. By permitting another  purpose that has been deemed illegal. We reserve the right to deny 
    person to use the card, you authorize and are fully liable for any  authorization requests from online gambling merchants, whether or not 
    transactions that person initiates until that person�s authority is ended.  online gambling is illegal in the state in which you use your card. 
    You may only end that person�s authority by notifying us.    
                                              Reservations and Merchant Authorization.  Under certain 
    If you believe your card has been lost or stolen, or that someone has  circumstances, a merchant (e.g., hotel) may require the use of a card to 
    transferred or may transfer money from your account without your  guarantee reservations that may result in a hold on the available funds in 
    permission, call us at 1-800-617-7480 or write to us at Commerce Bank,  the account. If you cancel any guaranteed reservation made using the 
    PO Box 411036, Kansas City, MO 64141-1036. You should also call the  card, you must obtain a cancellation number. If you fail to do so, the hold 
    number or write to the address listed above if you believe a transfer has  placed for the guaranteed reservation will not be canceled and the 
    been made using the information from your check without your  amount will be held against the balance in the account. This may limit 
    permission.                               your future transactions. Further, if the merchant subsequently charges 
                                              the amount of the guaranteed reservation to the account, we will not be 
    TYPES OF AVAILABLE TRANSFERS AND LIMITS ON TRANSFERS  obligated to re-credit the account if you fail to obtain a cancellation 
    Account Access.  The following EFTs are only available if you request  number. In addition, authorizations issued for card transactions must be 
                 SM the Special Connections  Feature. Depending on the type of accounts  canceled when you initiate a card transaction and subsequently use 
    that Commerce determines from time-to-time are eligible for the Special  another form of payment for the transaction such as a credit card or 
    Connections Feature as well as which of your accounts you choose to   cash, since failure to have the authorization canceled may also result in 
    access using the Special Connections Feature, you may use your Card  a hold on funds in the account and limit your future transactions. 
    to perform the following functions where otherwise permitted:    
                                              POINT OF SALE TRANSACTIONS 
    ATM Transaction                                                   SM The use of your card with the Special Connections  Feature to 
    At the ATM, insert your Card and enter the credit card PIN that you  purchase goods and services constitutes a simultaneous withdrawal from 
    established for this Card to (i) withdraw cash from, deposit money in,   and/or demand upon your checking account, even though the transaction 
    transfer funds between, or learn the balances in your checking, regular  may not actually be posted to your account until a later date. Any person 
    savings or money-market accounts; (ii) use funds from your checking,   or merchant honoring your card may be required to obtain approval or 
                                5 
     
    authorization for any transaction. When we approve a non-PIN  �  If the ATM where you are making the transfer does not have 
    transaction (which may or may not require your signature), we may  enough cash.  
    immediately reduce the available balance in your checking account by  �  If the terminal or system was not working properly and you knew     
    the authorization amount requested by the merchant even though we  about the breakdown when you started the transaction.  
     
    have not received the transaction electronically for payment, which may  �  If circumstances beyond our control (such as flood or fire) prevent 
    differ from the final posted amount.        the transfer, despite reasonable precautions that we have taken.  
                                              �  There may be other exceptions stated in our Agreement with you.  
    This authorization amount will not be available until our receipt of the   
    transaction OR no more than three business days after the transaction  ERROR RESOLUTION PROCEDURES 
    date, whichever first occurs. If funds are not available for checks, other  In case(s) of errors or questions about your EFTs, telephone us at 1-800-
    items or debits, you may be subject to overdraft or insufficient funds fees.  617-7480 or write us at Commerce Bank, PO Box 411036, Kansas City, 
    Transactions with your card will be posted to your account in the order  MO 64141-1036 as soon as you can, if you think your statement or 
    and with the same legal effect as checks or other debits drawn on your  receipt is wrong, or if you need more information about a transfer listed 
    account. You may use your card only in the manner and for the purposes  on the statement or receipt. We must hear from you no later than 60 
    authorized by this Agreement. We may recognize a transaction even if  days after we sent the FIRST deposit statement on which the problem or 
    we have not authorized it, but that does not mean we will authorize the  error appeared.  
    same type of transaction again. You do not have the right to stop  �  Tell us your name and account number.  
    payment on any transaction originated by use of your card with the 
                                              �  Tell us the name of the merchant, the transaction date and the  SM Special Connections  Feature, except recurring preauthorized transfers 
                                                dollar amount of the suspected error.  
    as described in this Agreement.  
                                              �  Describe the error or the transfer you are unsure about, and explain 
     
                                                as clearly as you can why you believe it is an error or why you need 
    Overdrafts. You are responsible for all authorized transactions initiated 
                             SM                 more information.  
    by use of your card with the Special Connections  Feature. If a negative 
                                              �  Tell us if you have already attempted to resolve the issue directly 
    balance (overdraft) in your checking account results from the use of the 
                                                with the merchant.  
    card with the Special Connections Feature, you will pay us on demand 
                                              �  If you tell us orally, we may require that you send your complaint or 
    this negative balance and our then current charge for overdrafts. If you 
                                                question in writing within 10 business days.  
    have an overdraft line of credit (Checking Plus) for an account, you are 
                                               
    bound by the rules and regulations that apply to that credit privilege 
                                              We will determine whether an error occurred within 10 business days 
    (Overdraft Protection). In addition, if your checking account is closed 
                                              after we hear from you and will correct any error promptly. If we need 
    before transactions are posted, you will pay us on demand the 
                                              more time, however, we may take up to 45 calendar days to investigate 
    outstanding amount. 
                                              your complaint or question. If we decide to do this, we will credit your 
     
                                              deposit account within 10 business days for the amount you think is in 
    FEES 
                                              error so that you will have the use of the money during the time it takes 
    Fees for all EFT services are disclosed in our fee schedule. You will 
                                              us to complete our investigation. If we ask you to put your complaint or 
    receive a fee schedule at account opening. You may request a copy of 
                                              question in writing and we do not receive it within 10 business days, we 
    our current fee schedule at any Commerce branch or by contacting 1-
                                              may not credit your deposit account.  
    800-453-2265. When you use an ATM not owned by us you may be 
                                               
    charged a fee by the ATM operator (or any network used) for a 
                                              For errors involving new accounts, point-of-sale, or foreign-initiated 
    transaction or for a balance inquiry even if you do not complete a fund 
                                              transactions, we may take up to 90 days to investigate your complaint or 
    transfer. 
                                              question. For new accounts, we may take up to 20 business days to 
     
                                              credit your account for the amount you think is in error.  
    RIGHT TO RECEIVE DOCUMENTATION OF TRANSFERS 
                                               
     
                                              We will tell you the results within three business days after completing 
    Terminal Receipts. You will get a receipt at the time you make any 
                                              our investigation. If we decide that there was no error, we will send you a 
    transfer to or from your deposit account using an ATM or electronic POS 
                                              written explanation. You may ask for copies of documents that we used 
    terminal.  
                                              in our investigation. 
     
                                               
    Preauthorized Credits. If you have arranged to have direct deposits  � TOGGLE  FEATURE 
    made to your deposit account at least once every 60 days from the same  � Commerce may add toggle  to any Qualified Commerce Visa or 
    person or company, you can call us at 1-800-746-8704 to find out 
                                              MasterCard Credit Card Account.  
    whether or not the deposit has been made.  
                                               
     
                                              DEMAND DEPOSIT ACCOUNT 
    Periodic Statement. You will get a monthly deposit statement if you 
                                              You may link up to two (2) demand deposit accounts (each, a �DDA�) to 
    have a deposit account upon which checks or drafts may be drawn. You         � Your Qualified Commerce Credit Card Account for the use of the toggle  
    will get a monthly deposit statement on your regular savings account if 
                                              payment feature. 
    there are electronic transfers during the month. In any case, you will get 
                                               
    a regular savings deposit statement quarterly. 
                                              If You link a Commerce DDA to Your Account, that DDA must be an 
     
                                              open checking account. You must have an ownership relationship to that 
    DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES 
                                              DDA in order to link it to Your credit card Account. Any person using the 
    We will disclose information to third parties about your account or the 
                                              Account and/or related Card(s) with the expressed or implied permission 
    transfers you make:  
                                              of any of the applicants (�Authorized Users�) will have access to the 
    �  Where it is necessary for completing transfers. Merchants with 
                                              linked DDA through the use of Your Account.  
       whom you�ve shared your account number may be updated with 
                                               
       new account information to ensure the continuation of your payment 
                                              Any DDA that has been designated by Commerce as having a 
       agreement.  
                                              garnishment, a closed-to-posting restriction, or has been forced to close 
    �  In order to verify the existence and condition of your account for a 
                                              by Commerce, will not be eligible to link to Your Account for the purpose 
       third party, such as a consumer reporting agency or merchant.   � of the toggle  payment feature. Small Business banking accounts will not 
    �  In order to comply with government agency or court orders.           � be eligible to link to Your Account for the purpose of the toggle  payment 
    �  If you give us your permission.        feature.  
    �  In accordance with our current Privacy Policy Notice.    
                                              If You link a non-Commerce DDA to Your Account, You must provide 
    RIGHT TO STOP PAYMENT OF PREAUTHORIZED TRANSFERS AND  Commerce with the account number and the routing information for that 
    PROCEDURES FOR DOING SO; RIGHT TO RECEIVE NOTICE OF  financial institution. Certain transaction restrictions may apply to such 
    VARYING AMOUNTS; AND OUR LIABILITY FOR FAILURE TO STOP  non-Commerce DDAs. Please refer to such bank�s terms and conditions 
    PAYMENT                                   of Your DDA for applicable fees, restrictions and/or limitations of Your 
    If you have told us in advance to make regular payments out of your  DDA.  
    deposit account, you can stop any of these payments. Here�s how: Call   
    us at 1-800-617-7480 or write us at Commerce Bank, PO Box 411036,  PAYMENT PREFERENCES 
    Kansas City, MO 64141-1036 in time for us to receive your request three  �Payment Preferences� means the selection of a category, setting and/or 
    business days or more before the payment is scheduled to be made. If  amount you choose to determine if a credit card purchase is to be paid 
    you call, we may also require you to put your request in writing and get it  for from your linked DDA or if it is to remain a part of your credit card 
    to us within 14 days after your call.     balance.  
                                               
    Notice of Varying Amounts. If these regular payments may vary in  PAY NOW�  
    amount, the person you are going to pay will tell you, 10 days before  �Pay Now�� means a credit card purchase that will be automatically 
    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 
    Our Liability for Failure to Make Transfers. If we do not complete a  Account. 
    transfer to or from your deposit account on time or in the correct amount   
    according to our Agreement with you, we will be liable for your losses or  Purchases may take 1-2 business days to post to Your Account following 
    damages. However, there are some exceptions. We will not be liable, for  the date of Purchase. After the Purchase has posted to Your Account, an 
    instance:                                 ACH may take 1-2 business days to appear as a debit on Your DDA. 
    �  If through no fault of ours, you do not have enough money in your   
       account to make the transfer.          Payments are not applied to the required minimum payment due on Your 
    �  If the transfer would go over the credit limit on your overdraft line.   Statement each month. You will still have a required minimum payment 
                                6 
     
    due each month, which will appear on Your Statement and will be  electronically through Online Banking, or by contacting us at 1-800-645-
    subject to the terms of Your cardholder agreement.  2103. Your notice must be sent in such time and manner as to afford 
                                              Commerce Bank a reasonable opportunity to act upon the termination 
                                                    
    PAY LATER�                                (but in no event less than three business days). Commerce reserves the 
                                                             � �Pay Later�� means any Purchase that is made with Your Account that  right to decline or cancel toggle  service at any time. 
    will not be automatically paid for from a DDA, and will become a part of   
    your outstanding credit card balance.      
    You may choose to use the Pay Later� feature for Your Purchases by 
    choosing not to activate a specific Payment Preference, by deactivating 
    a previously chosen Payment Preference, by cancellation of a linked 
                        � DDA, or by the cancellation of the toggle  payment feature from Your 
    credit card Account. 
     
         � UNWIND  
         � �Unwind � means the ability to return funds that were used to pay for a 
    Purchase from Your DDA with the Pay Now� feature, and to have the 
    original Purchase placed back on to Your Account. 
     
                                � You will have up to 30 calendar days to use the Unwind  feature for a 
    Pay Now� feature Purchase. When the Purchase posts back to Your 
    Account, it will post with the original transaction date, and will be subject 
    to interest charges according to the terms of Your Cardholder 
    Agreement. We reserve the right to limit the total amount of your 
        � Unwind  feature requests from exceeding the available credit for Your 
    Account. 
     
    TOGGLE ON DEMAND� 
    �toggle On Demand�� means any credit card purchase that You 
    manually choose to be paid from either Your DDA or reward points after 
    the transaction posts to Your Account.  
     
    ACH RETURNS 
    If an ACH payment request is returned for any reason, the original 
    Purchase that initiated that ACH payment request will be posted back to 
    Your Account, and will be due according to the terms of Your Agreement. 
     
    An ACH return for any reason will result in the deactivation of any active 
    Payment Preferences for the DDA that caused the return, and any other 
    DDA that might share an active Payment Preference. Your Payment 
    Preferences will remain deactivated until such time that you re-activate 
    Your Payment Preferences. 
     
    If Your Payment Preferences are not active, any pending and future 
    Purchases that previously matched that Payment Preference, will post to 
    Your Account and will not initiate an ACH payment request. These 
    Purchases will become a part of your outstanding credit card balance 
    with Commerce, and will be due according to the terms of Your 
    Cardholder Agreement. 
     
    If You have linked a Commerce DDA to Your Account, any ACH 
    payment request that would result in an overdraft of Your DDA will be 
    returned to Your Account, and no overdraft or insufficient funds fees will 
    be assessed to You. If you have linked a non-Commerce DDA to Your 
    Account, You may be assessed overdraft and/or insufficient funds fees 
    according to that financial institution's deposit agreement. 
     
        � toggle  ALERTS 
    Commerce will use the email address provided by You at the time of the 
    Account(s) or Card(s) opening to notify you of important changes in 
               � 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 toggle  Terms and Conditions including, but not 
                            � limited to, qualifications for participation in toggle .  
     
    Commerce reserves the right, in its sole discretion, to disqualify any 
                         � Accountholder from participation in toggle  in cases of actual or 
                             � suspected abuse, fraud, violations of these toggle  Terms and 
    Conditions or any actual or suspected abuse or fraud with respect to the 
    Account or DDA.  
    Neither Commerce nor its third-party service providers, their respective 
    employees, officers, affiliates or agents will be liable to You for any 
                                       � action or inaction any of them take or fail to take with respect to toggle  
                    �  or any changes to these toggle Terms and Conditions.  
     
    All trademarks, service marks and trade names used by Commerce for 
        �         � toggle , including the toggle  design are property of Commerce. No use 
    of these may be made without the prior written authorization of 
    Commerce.  
     
            �              � By using toggle , You agree to all of the toggle  features, limitations and 
                       �  restrictions contained in these toggle Terms and Conditions as well as 
    any additional terms and conditions contained in any programs, 
    promotions or transactions that may be offered to You from time-to-time 
    and any terms and conditions contained in any document issued to You 
    by Commerce.  
     
    This authorization is to remain in effect until Commerce has received 
                                      � electronic notice of termination from You. You may terminate toggle  
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