Consumer Credit Card Agreement � Visa � Platinum  
Zions Bancorporation, N.A. dba The Commerce Bank of  Washington 
Last Review Date: 20181001  Zions Bancorporation, N.A. Member FDIC  
   
 
Effective October 1, 2018 
 
1.0: INTRODUCTORY PROVISIONS AND DISCLOSURES:  
The following information on interest rates, intere st charges, and fees are accurate as of 10/1/2018 a nd may have 
changed after that date. To find out what may have changed, call us at 206-292-3900 or toll free at 1- 800-998-4035. 
 
 
 
Interest Rates and Interest Charges 
 
 
Annual Percentage Rate 
(APR) for Purchases  
� 14.04%   
This APR is a fixed rate.  
 
 
APR for Cash Advances   
� 14.04%   
This APR is a fixed rate.  
 
 
Paying Interest  
  
Your due date is at least 25 days after the close o f each billing cycle. We will 
not charge you any interest on purchases if you pay  your entire balance due by 
the due date each month. We will begin charging int erest on Cash Advances and 
Quasi Cash transactions on the transaction date. 
 
 
Minimum Interest Charge 
  
No Minimum Interest Charge 
 
For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 
  
To learn more about factors to consider when applyi ng for or using a credit 
card, visit the Consumer Financial Protection Burea u�s website at 
http://www.consumerfinance.gov/learnmore. 
 
Fees 
 
 
Annual Fee 
  
$25 
 
 
Transaction Fees: 
 
/square4 Cash Advances  
 
 
/square4 International 
Transactions  
 
 
A fee equal to the greater of $3.00 or 2% of each advance will be imposed; 
however, this charge will not exceed $50.00 
 
1% of the U.S. dollar amount of each transaction. 
 
 
Penalty Fees: 
 
/square4 Late Payment  
 
/square4 Returned Payment  
 
 
$25 
 
$35 
 
 
How We Will Calculate Your Balance: We use a method called �average daily balance (incl uding new purchases)�. 
See your cardholder agreement for more details. 
Billing Rights:  Information on your rights to dispute transactions  and how to exercise those rights is provided in yo ur 
cardholder agreement.   1.1: Zions Bancorporation, N.A. dba The Commerce Ba nk of Washington among other things, 
issues credit cards to its customers. This is a cre dit card agreement and disclosure statement 
("Agreement") between you and The Commerce Bank of Washington (�Bank�) containing the terms that 
will apply to your consumer credit card account (�A ccount�) and replaces and supersedes any previous 
Consumer Credit Card Agreement and Disclosure State ment (and amendments thereto).  
 
1.2: DEFINITIONS AND PARTIES TO AGREEMENT: The following definitions apply and will 
help you better understand this document: The word �Bank� means ZIONS BANCORPORATION, 
N.A. dba The Commerce Bank of Washington. The words  �Card Agreement� refers to this Agreement 
together with the Card Application and the folder c ontaining the Card. The word �Card� refers to the 
one or more credit cards and the associated card nu mber that the Bank has issued with the account 
number for your Card Account, including any renewal  or replacement cards. The words �Card 
Account� refer to the Visa Platinum credit card account gove rned by the Card Agreement between you 
and the Bank. The words �Card Application� refer to the credit application for the Card Accoun t. The 
words �Credit Card Checks� refer to the one or more checks that the Bank may p rovide to access your 
Card Account. The words �Credit Limit� refer to the maximum available dollar amount of cre dit 
authorized by the Bank. The words �Outstanding Balance� refer to the entire amount owing on your 
Card Account at any given time. The words �you� and �your� refer to the one or more individuals 
(including the primary applicant and any co-applica nt) who have received credit from the Bank and who 
are liable on the Card Account. The words �we� or �us� refer to The Commerce Bank of Washington.  
 
1.3: AGREEMENT: This Agreement documents the agreement between you and the Bank regarding 
your Card Account. This Agreement contains importan t information that you should review carefully 
and keep in your records. This Agreement becomes ef fective on the earlier of (1) 15 days after the Ban k 
sends you the Card, or (2) your first use of the Ca rd or Card Account. Any use of the credit associate d 
with your Card Account constitutes your acceptance of the terms of this Agreement. If you do not wish 
to be bound by this Agreement, you must not use (or  authorize anyone else to use) your Card or Card 
Account and you must cancel your Card Account withi n 15 days after receiving the Card. 
1.3.1: Integrated Agreement . You agree that the Card Agreement is a final writ ten expression of the 
Agreement between you and the Bank and that the Car d Agreement may not be contradicted by evidence 
of any alleged oral agreement.  
1.3.2: Severability. The provisions of the Card Agreement are severable to the extent that any provision 
hereof held to be prohibited or unenforceable in an  applicable jurisdiction shall not invalidate the 
remainder of the Card Agreement in that jurisdictio n and shall be fully enforceable in any other 
jurisdiction not expressly prohibiting such provisi on. 
1.3.3: Delay in Enforcement. The Bank may exercise its rights under the Card Agr eement immediately 
or, at the Bank's sole discretion, may decline to e nforce or delay in enforcing any such rights withou t 
losing, waiving, or impairing them.  
1.3.4: Assignment and Binding Effect. You may not sell, assign, or transfer the Card Agre ement or 
your Card Account or any portion thereof without th e express prior written consent of the Bank. The 
Bank may sell, assign, or transfer the Card Agreeme nt or your Card Account or any portion thereof 
without notice to you. Subject to the foregoing, th e Card Agreement shall be binding upon the heirs, 
representatives, successors, and assigns of the par ties hereto. 
 
1.4: AMENDMENT OF THIS AGREEMENT: The Bank may amen d this Agreement by 
changing, adding or deleting any term, condition, s ervice or feature (�New Term�) of your 
Account or of this Agreement at any time. The Bank will provide you with notice of the 
amendment to the extent required by law. Unless we state otherwise, any New Term may apply 
only to new activity on your account. If the amendm ent includes any change for which we need 
your consent, we will obtain your consent before th at New Term becomes effective. If we need to 
do so, we may obtain your consent in any one or mor e of the following ways: (a) by your usage of 
the Account after we give you notice of the amendme nt; (b) by your failure to write us on time if 
we request that you write us to reject a New Term; or (c) by your affirmative agreement which 
may be obtained verbally, in writing or electronica lly. 
1.4.1: If you do not agree to the Amendment. You must notify the Bank in the manner provided wit h 
the amendment within 25 days after the effective da te of the change, and the Bank may close your Card 
Account and may elect to have you pay the Outstandi ng Balance as provided by law. Otherwise, you 
shall be deemed to have agreed to the change(s) in the Bank�s notice. Use of the Card after the effect ive 
date of the change shall be deemed to be your accep tance of the new terms . 
1.4.2: Any other term in the amendment will become effective without your consent, although you 
may be able to avoid a fee or charge by not making the type of transaction to which it applies after 
the effective date of the amendment. 
 
1.5: CREDIT LIMIT: The Credit Limit on your Card Account is disclosed on each monthly statement 
(your initial Credit Limit appears on the folder co ntaining the Card). You agree not to use or allow 
anyone else to use the Card or your Card Account in  any way that would cause the Outstanding Balance 
to exceed your Credit Limit. You are liable for the  Outstanding Balance even if it exceeds your Credit  
Limit. The Bank may increase or decrease your Credi t Limit at any time and will notify you of such 
change. In addition, you may request a change in yo ur Credit Limit by writing to the address shown on 
your monthly statement or by calling 206-292-4550 d uring business hours (8:00 a.m. to 5:00 p.m. 
Pacific Time, Monday through Friday).  
 
2.0: THE CARD: 
2.1: Signature Panel. For your protection, the back of the Card contains a signature panel which should 
be signed before the Card is used. 
2.2: Card is Bank Property. The Card is the property of the Bank and must be re turned to the Bank if 
the Bank so requests. Also, the Bank can at any tim e and without cause and without notice, revoke the 
right to use the Card. If a merchant or a financial  institution where the Card is attempted to be used  asks 
for the surrender of the Card, it must be surrender ed immediately. 
2.3: Expiration. The Card will not be valid after the expiration dat e printed on the front of the Card and 
it must not be used after that date. 
2.4: Renewal and Replacement Cards. The Bank will continue to issue renewal or replacem ent Cards 
until the Bank revokes the right to use the Card or  until your Card Account is closed. 
2.5: Additional Cards. You may request additional Cards at no additional c ost for members of your 
family or for others you authorize to use your Card  Account. However, you are responsible for all 
charges to your Card Account made by such persons. 
 
3.0: AVAILABLE TRANSACTIONS: Subject to the restrictions described herein, the C ard and your 
Card Account may be used in any of the following tr ansactions: 
3.1: Purchases. The Card may be used to purchase or lease goods or services wherever the Card is 
honored. 
3.2: Cash Advances and Quasi Cash transactions. Subject to your available Credit Limit, the Card 
may be used to obtain Cash Advances and Quasi Cash transactions (money orders, travelers cheques, 
etc) from your Card Account (1) in person at the Ba nk or any participating financial institution or (2 ) at 
any ATM in the Bank network or any of the other par ticipating ATM networks (the names of which are 
shown on the back of the Card), subject to the foll owing limitation (certain ATMs may have other 
limits): the total dollar amount of such ATM Cash A dvances and Quasi Cash transactions plus all cash 
withdrawal electronic fund transfers made during an y calendar day (from midnight to midnight) may not 
exceed $500 for each card issued with your Card Acc ount number. Cash Advances and Quasi Cash transactions may not exceed the lesser of your avai lable credit or at our option $500 for any single 
advance. Each Cash Advance and Quasi Cash transacti on will create a charge to your Card Account. 
3.3: Electronic Online Cash Advances and Quasi Cash  transactions: Subject to your available Credit 
Limit, the Card may be used to obtain electronic on line Cash Advances and Quasi Cash transactions 
from your Card Account. Based on risk, we reserve t he right to limit electronic online Cash Advances 
and Quasi Cash transactions access at the sole disc retion of the Bank. Each electronic online Cash 
Advance and Quasi Cash transaction will be treated as a Cash Advance and Quasi Cash transaction 
subject to a Cash Advance and Quasi Cash Transactio n Fee charged to your Card Account. 
3.4: Internet Transactions: If your card is a Visa branded card, enrollment in the Verified by Visa 
program is required after 3 Internet purchases. In order to make transactions over the Internet mercha nts 
may request your Verified by Visa password to compl ete the transaction. If a password is not provided 
the merchant may deny the transaction. If the passw ord is incorrect we may deny the transaction. By 
allowing another to use your Verified by Visa passw ord you are authorizing the transaction on your 
account. 
3.5: Internet Gambling Notice:  Restricted transactions as defined in Federal Rese rve Regulation GG 
are prohibited from being processed through this ac count or relationship. Restricted transactions 
generally include, but are not limited to, those in  which credit, electronic fund transfers, checks, o r drafts 
are knowingly accepted by gambling businesses in co nnection with the participation by others in 
unlawful Internet gambling. We have elected to not offer accounts to organizations that offer or spons or 
Internet gambling. Commercial accounts receiving or  processing Internet gambling transactions are 
subject to closure.   
 
4.0: MONTHLY STATEMENTS: The Bank will send you (or one of you) a monthly st atement 
summarizing each transaction on your Card Account d uring the preceding billing period. Your monthly 
statement will show the total amount you owe as of the end of the billing period, including any financ e 
charges, fees, the minimum payment due and the paym ent due date, which date is at least 25 days from 
the monthly statement closing date. It also shows y our current Credit Limit. The Bank will mail or 
deliver your monthly statement to only one address.  Preservation of your rights under federal law 
regarding resolution of billing errors depends upon  your timely recognition of potential errors, as 
explained in �Billing Rights Summary� notice at the  end of this Agreement. 
 
5.0: HOW THE NEW BALANCE IS DETERMINED: The total amount that you owe the Bank at the 
end of the current billing period appears as the �N ew Balance� on the monthly statement. The 
Outstanding Balance at the end of the previous bill ing period is called the �Previous Balance�. The Ne w 
Balance is determined by taking the Previous Balanc e and (1) subtracting any payments and credits 
received by the Bank during the current billing per iod and then (2) adding any purchases, Cash 
Advances and Quasi Cash transactions, finance charg es, fees, and, other adjustments. 
 
6.0: PAYMENTS: You promise to pay the Bank according to the terms of this Agreement the entire 
amount owing hereunder. You agree to make all payme nts in U.S. Dollars drawn on funds on deposit in 
the United States (however, the Bank may at its opt ion choose to accept payments made in foreign 
currency or made by drawing on funds on deposit out side the United States, in which case you agree to 
pay all conversion fees and bank collection fees in curred by the Bank, which amounts will be treated a s 
purchase items). Do not send cash payments. 
6.1: Payment Due Date . The payment due date on your Account will be the same date each month and 
your payment will be due by 5:00 p.m. in the manner  and location specified on your billing statement. 
6.2: Amount of Minimum Payment. If the New Balance is less than $5, the minimum pay ment is the 
full amount of the New Balance. The minimum payment  due each month is 5% of the New Balance 
which does not exceed your credit limit (rounded up  to the nearest dollar), or $5 whichever is greater , 
plus the entire portion of the New Balance in exces s of your credit limit, plus any amount past due. Y ou 
shall make (and the Bank shall have received at the  address designated on your monthly statement) on o r 
before 5:00 p.m. on the due date the minimum paymen t shown on your monthly statement (or, at your 
option, any greater amount up to the Outstanding Ba lance). Receipt of your minimum payment at any 
address other than that designated on your monthly statement may create a delay in posting the 
minimum payment to your Card Account and may thereb y result in a late fee and additional finance 
charges. Making only the minimum payment will increase the a mount of interest you pay and the 
time it takes to repay your balance.  
6.3: Application of Payments. The amount of payments credited to your Account dur ing a billing 
period will be applied first to unpaid finance char ges, then to any miscellaneous fees, then to the ba lance 
having the highest APR, and then to each successive  balance bearing the next higher APR until the 
payment is exhausted. Balances having the same APR will be paid beginning with the oldest balance 
first. Payment for more than the minimum payment am ount (but not more than the Outstanding Balance) 
will be accepted as a single payment for that billi ng period; the amount in excess of the minimum 
payment will not be applied toward future payments due. 
6.4: Acceptance of Partial or Nonconforming Payment s. The Bank may accept late payments, partial 
payments or any payment marked with any kind of res trictive endorsement (such as �paid in full� or �in  
settlement�) without giving effect to the restricti ve endorsement and without losing, waiving, or 
impairing any of the Bank's rights under this Agree ment or under applicable law. 
6.5: Delay of Available Credit:  We credit payments to your account on the day we r eceive them 
however, we reserve the right, based on risk, to de lay the available credit resulting from those payme nts. 
6.6: Prepayment. You may repay all or any portion of the Outstanding  Balance at any time without 
penalty. 
 
7.0: DEFAULT: If the minimum payment is not received at the prope r address on or before the 
payment due date, or if you fail to honor any other  obligation under this Agreement, or if you die, fi le for 
bankruptcy, or become insolvent or generally unable  to pay your debts, or if you have furnished false or 
misleading information on the Card Application, or if you are in default under any other obligations y ou 
may owe to the Bank, or if the Bank reasonably beli eves that you are unable or unwilling to honor all of 
your obligations under this Agreement, the Bank may  declare the Outstanding Balance immediately due 
and payable, may close your Card Account, and recov er the Card. 
 
8.0: LEGAL ACTION AND COSTS: Without waiving the Dispute Resolution provisions o f this 
Agreement, the Bank may take legal action (includin g collection action) against you and you agree to 
pay all collection costs whether or not awardable a s court costs (including the cost of Bank staff) an d 
reasonable attorney�s fees (including those of sala ried Bank employees). If the Bank sues to collect a nd 
you win the lawsuit, the Bank will pay your court c osts and reasonable attorney�s fees. Also, you agre e 
that regardless of where you reside, the Bank may i nitiate legal action against you in the State of 
Washington and you hereby submit yourself to jurisd iction of the courts therein. 
 
9.0: FINANCE CHARGES: All Cash Advances, Quasi Cash transactions and purc hases are subject to 
interest charges from the date they are added to yo ur Account until paid. If you pay in full by the 
payment due date (which is at least 25 days from th e monthly statement closing date), you pay Cash 
Advance and Quasi Cash transaction fees and interes t charges only on the Cash Advances and Quasi 
Cash transactions added during the billing cycle. T he finance charge shown on your monthly statement 
will be the total of Cash Advance and Quasi Cash tr ansaction fees and interest charges. The following 
finance charges will apply whether before or after default, judgment, or the closing of your Card 
Account. 
9.1: Interest Charges, Periodic Rate and ANNUAL PER CENTAGE RATE (APR): The amount of 
interest charges will be derived by multiplying you r average daily balances by a periodic rate. The  periodic rate for Visa Platinum is 1.17%  (corresponding APR  is 14.04% ). The Bank reserves the right 
to change the APR upon notification to you and afte r one year from account opening.  
9.2: Average Daily Balance Method (including curren t transactions): We figure a portion of the 
finance charge on your Account by applying the peri odic rate to the �average daily balances� of your 
Account (including current transactions) for purcha ses, Cash Advances and Quasi Cash transactions. To 
get the �average daily balances� we take the beginn ing balances of your Account each day, add any new 
purchases, advances or other charges, and subtract any payments or credits, and unpaid late fees or 
finance charges. This gives us the daily balances. Then, we add up all the daily balances for each day  in 
the billing cycle and divide the total by the numbe r of days in the billing cycle. This gives us the 
�average daily balance� for purchases, Cash Advance s and Quasi Cash transactions. If you pay all of th e 
new balance shown on your statement by the payment due date, we will exclude that balance and all new 
charges to the account except Cash Advances and Qua si Cash transactions from the daily balances. 
9.3: Balance Subject to Finance Charge : To calculate your annual percentage rate, we divi de the 
finance charge by the balance subject to finance ch arge and multiply by twelve (the number of months i n 
a year). The balance subject to finance charge is m ade up of your average daily balances plus your new  
advances (we will not include the amount of new adv ances more than once in a balance).    
9.4: Minimum Finance Charge. There is no minimum finance charge. 
9.5: Military Lending Ac t (MLA).  The Military Lending Act provides protections for members of the 
Armed Forces and their dependents.  
9.5.1: Statement of MAPR (Military Annual Percentag e Rate).  Federal law provides important 
protections to members of the Armed Forces and thei r dependents relating to extensions of consumer 
credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her depende nt 
may not exceed an annual percentage rate of 36 perc ent. This rate must include, as applicable to the 
credit transaction or account: The costs associated  with credit insurance premiums; fees for ancillary  
products sold in connection with the credit transac tion; any application fee charged (other than certa in 
application fees for specified credit transactions or accounts); and any participation fee charged (ot her 
than certain participation fees for a credit card a ccount).   
9.5.2: Oral Disclosures.  Before accepting this Agreement, in order to hear important disclosures and 
payment information about this Agreement, you may c ontact us at 1-844-210-3601. 
9.5.3: Applicability of Dispute Resolution Provisio n . The Jury Waiver, Class Action Waiver, and 
Arbitration Agreement in the Dispute Resolution Pro vision set forth in this Agreement do not apply to 
those covered by the Military Lending Act. 
 
10.0: CASH ADVANCE AND QUASI CASH TRANSACTION FEE: Each new Cash Advance or 
Quasi Cash transaction, will be assessed a one-time  fee equal to the greater of 2% of the amount of the 
transaction, but never less than $5.00; however thi s charge will not exceed $50.00. The transaction fe e 
shall be fully earned when assessed. 
 
11.0: OTHER FEES AND CHARGES: 
11.1: Annual Fee:  A non-refundable $25.00 annual fee for each accoun t you have with us will begin on 
the month on which your account is opened and charg ed annually thereafter.  
11.2: ScoreCard Rewards Annual Fee:  A non-refundable $25.00 annual fee will begin on th e month 
on which your account is opened and charged annuall y thereafter. 
11.3: Late Payment Fee: If the minimum payment shown on your monthly statem ent is not received at 
the proper address by the payment due date, there w ill be a late fee of $25.00. 
11.4: Returned Payment Fee: If any check or other payment on your Card Account is dishonored or 
must be returned because it cannot be processed, th ere will be a returned payment fee of $35.00. 
11.5: International Transaction Fee. 1%  of the U.S. dollar amount of the transaction. If y ou incur a 
charge in a foreign currency, the charge will be co nverted into a U.S. Dollar amount by Visa 
International. Currently, the currency conversion r ate used is either a wholesale market rate or a 
government mandated rate in effect one day prior to  the date the transaction is processed by Visa 
International plus one percent (1%) of the U.S. dol lar rate. The currency conversion rate in effect on  the 
processing date may differ from the rate in effect on the transaction date or the posting date. This c harge 
is in addition to the Bank�s usual ATM fee. 
11.6: Expedited Card Delivery or Emergency Card Fee : If you request the Bank to provide 
�expedited card delivery� (which requires the servi ces of an outside delivery service provider), you 
agree that we may charge a fee up to $60 for this s ervice. 
 
12.0: SECURITY INTEREST FOR SECURED ACCOUNTS. If you have a Secured Account, you 
have given the Bank a security interest in a saving s account at the Bank to secure payment of your Car d 
Account. If you withdraw your funds from the saving s account, the Bank has the right to close your Car d 
Account. 
 
13.0: JOINT ACCOUNT. If your Card Account is in the name of more than on e person, each and every 
such person shall be jointly and severally liable f or the full Outstanding Balance, including without 
limitation any amount in excess of your Credit Limi t. In addition, except as otherwise required by 
applicable law, you agree that all monthly statemen ts and notices regarding your Card Account may be 
sent to any one of you. 
 
14.0: INTERPRETATION; EFFECT: 
14.1: Duration. Except for your right to use the Card and to make c harges to your Card Account (which 
right expires when your Card Account is closed); al l other provisions of the Card Agreement shall 
remain in full force and effect until your Card Acc ount is closed and your Outstanding Balance is paid  in 
full. 
14.2: Headings. The headings used in this Agreement are for conveni ence only and shall have no 
bearing on the interpretation of this Agreement. 
14.3: Governing Law. THE CARD AGREEMENT SHALL BE GO VERNED BY AND 
CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE UNITED  STATES AND OF 
THE STATE OF WASHINGTON REGARDLESS OF WHERE YOU MAY  RESIDE OR USE 
YOUR CARD. 
 
15.0: DISCLOSURES OF INFORMATION: You acknowledge and consent to the release of perso nal 
data about you by the Bank to Visa U.S.A., its Memb ers, or their respective contractors for the purpos e 
of providing emergency cash and/or emergency card r eplacement services. 
 
16.0: RESTRICTIONS ON USE OF CARD ACCOUNT: Only the individual named on the Card is 
permitted to use the Card for charges, identificati on, or any other reason. 
16.1: No Illegal Purpose. The Card, Card Account or Credit Card Checks shall not be used for any 
illegal purpose. You also agree not to use your Car d, Card Account or Credit Card Checks to gamble on 
the Internet or for any transaction that violates a pplicable law. We may block or refuse to approve an y 
transaction that we believe may violate this provis ion. 
 
17.0: LIABILITY FOR OBLIGATIONS: 
17.1: Your Liability. You shall be liable for the full amounts of your Ou tstanding Balance regardless of 
the purpose whether for business purposes or for pe rsonal, family or household purposes of any of the 
charges made with the Card(s) or Credit Card Checks . Your liability shall also include all charges 
regardless of the purpose made by any person to who m you have given express or implied permission to 
use the Card, Card Account or Credit Card Checks or  has voluntarily provided the Card or Card number.  
17.2: User�s Liability. In addition to and not in lieu of your liability as  set forth above, each User shall 
be jointly, and severally liable with you for all a mounts resulting from: (a) all charges made by User  for personal, family, or household purposes; and (b) al l charges made by any person to whom that User has 
given express or implied permission to use the Card  or Card Account or has voluntarily provided the 
Card or the Card number, regardless of the purpose of any such change. 
18.0: LIABILITY FOR UNAUTHORIZED USE: If your Card or Card Account number are lost or 
stolen, or if you think that someone used or may us e them without permission, you agree to notify the 
Bank immediately by calling 206-292-4550 during ban k business hours and 866-604-0381 otherwise. 
You may need to provide the Bank with certain infor mation in writing to help the Bank determine what 
happened. You are not liable for loss, theft, or un authorized use of your Card, Card Account, or Credi t 
Card Check if you notify the Bank of any fraudulent  transactions. 
18.1: Liability for Unauthorized ATM Transactions:  You are not liable for unauthorized use of your 
card for ATM transactions if you notify the Bank wi thin 2 business days. In any case, your liability w ill 
not exceed $50. 
 
19.0: REFUSAL OF THE CARD: The Bank will not be responsible or liable in any m anner for any of 
the following or for any claim of whatever nature ( including without limitation any claim for incident al 
or consequential damages) arising from or related t o any of the following: the refusal or delay of any  
other financial institution, any merchant, or any p erson to honor the Card, your Card Account, or any 
Credit Card Check; any goods or services obtained w ith the Card and charged to your Card Account 
(except as and only to the extent provided in �Bill ing Rights Summary� notice at the end of this 
Agreement); any unsuccessful attempt to obtain prio r credit authorization for any transaction when the  
authorization system is not working, or any unsucce ssful attempt to use the Card in an ATM when the 
ATM or ATM network is not working or is temporarily  closed or out of order. 
 
20.0: FINANCIAL AND CREDIT INFORMATION: 
20.1: Financial Statements. The Bank may need updated financial information fro m you at some time 
in the future. If the Bank asks, you agree to furni sh a current financial statement or to update the C ard 
Application. 
20.2: Credit Reports. You hereby authorize the Bank to make whatever cred it inquiries or 
investigations about you that the Bank deems approp riate and to disclose to others credit information 
about your Card Account and your performance under this Agreement. The Bank may ask credit bureaus 
for reports of your credit history; at your request , the Bank will tell you whether or not the Bank ha s 
requested such reports and will tell you the names and addresses of the credit bureaus furnishing the 
reports. 
20.3: Negative Credit Reporting. You are hereby notified that we may report informat ion about your 
account to credit bureaus. Late payments, missed pa yments, or other defaults on your account may be 
reflected in your credit report. 
20.4: Notify us of inaccurate information we report  to credit bureaus. Please notify us if we report 
any inaccurate information about your account(s) to  a credit bureau. Your written notice describing th e 
specific inaccuracy should be sent to us at the fol lowing address:  The Commerce Bank of Washington, 
601 Union Street, Suite 3600, Seattle, WA 98101. 
 
21.0: CHANGE OF NAME OR ADDRESS: You agree to promptly notify the Bank in writing if  you 
change your name, home address, or mailing address.  
 
22.0: TERMINATION: You may close your Card Account at any time by noti fying the Bank in 
writing. The Bank may close your Card Account at an y time without cause and without notice except we 
may have to give you notice if you are not in defau lt. In the event of default (which includes missing  any 
payments or breaking any of your Agreements with us , failing to pay other charges when due, exceeding 
the credit limit of the Account, the death, insolve ncy or bankruptcy of you or any joint cardholder, t he 
seizure of any of your assets or income, or that of  a joint cardholder, and our good faith belief that  the 
prospect of payment is in jeopardy), we may without  notice, terminate the Account, demand possession 
of all Cards, and declare the entire balance due an d payable. When your Card Account is closed 
(whether by you or the Bank); your right to use the  Card and to make charges to the Card Account will 
be automatically revoked. Termination does not excu se your obligation to pay us.  
 
23.0: BILLING RIGHTS SUMMARY: This notice contains important information about yo ur rights 
and the Bank's responsibilities under the Fair Cred it Billing Act. 
23.1: Notify Us in Case of Errors or Questions Abou t Your Bill. If you think your bill is wrong, or if 
you need more information about a transaction on yo ur bill, write us in a separate letter at the addre ss 
indicated in the Billing Rights Summary on your Sta tement. Write us as soon as possible. We must hear 
from you no later than 60 days after we sent you th e first bill on which the error or problem appeared . 
You can telephone us, but doing so will not preserv e your rights. In your letter, include the followin g 
information: 
� Your name and account number. 
� The date and dollar amount of the suspected error. 
� Describe the error, and explain if you can, why you  believe there is an error. If you need more 
information, describe the item you are not sure abo ut. 
If you have authorized us to pay your credit card b ill automatically from your savings or checking 
account, you can stop the payment on any amount you  think is wrong. To stop the payment your letter 
must reach us three business days before the automa tic payment is scheduled to occur. 
23.2: Your Rights and Our Responsibilities After We  Receive Your Written Notice. We must 
acknowledge your letter within 30 days, unless we c orrected the error by then. Within 90 days, we must  
either correct the error or explain why we believe the bill was correct.  
After we receive your letter, we cannot try to coll ect any amount you question, or report you as 
delinquent. We can continue to bill you for the amo unt you question, including finance charges, and we  
can apply any unpaid amount against your credit lim it. You do not have to pay any questioned amount 
while we are investigating, but you are still oblig ated to pay the parts of your bill that are not in question.  
If we find that we made a mistake on your bill you will not have to pay any finance charges related to  
any questioned amount. If we didn�t make a mistake,  you may have to pay finance charges, and you will 
have to make any missed payments on the questioned amount. In either case, we will send you a 
statement of the amount you owe and the date that i t is due.  
 
If you fail to pay the amount that we think you owe , we may report you as delinquent. However, if our 
explanation does not satisfy you and you write to u s within ten (10) days telling us that you still re fuse to 
pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell 
you the name of anyone we reported you to. We must tell anyone we report you to that the matter has 
been settled between us when it finally is. If we d on�t follow these rules, we can�t collect the first  $50 of 
the questioned amount, even if your bill was correc t.   
23.3: Special Rule for Credit Card Purchases: If you have a problem with the quality of property or 
services that you purchased with the Card and you h ave tried in good faith to correct the problem with  
the merchant, you may have the right not to pay the  remaining amount due on the property or services. 
There are two limitations on this right:  
(1) You must have made the purchase in your home st ate or, if not within your home state, within 100 
miles of your current mailing address; and  
(2) The purchase price must have been more than $50 .  
These limitations do not apply if the Bank owns or operates the merchant, or if the Bank mailed you th e 
advertisement for the property or services. 
24.0: DISPUTE RESOLUTION PROVISION. This Dispute Re solution Provision contains a jury 
waiver, a class action waiver, and an arbitration a greement (or judicial reference agreement, as 
applicable), set out in four Sections. READ IT CARE FULLY.   No portion of this Dispute Resolution  section shall be interpreted or applied in a manner  prohibited by governing law, but all other portion s 
shall remain in effect. Without limitation, no port ion of this Dispute Resolution section shall requir e 
arbitration or other non-judicial procedure to reso lve any controversy or settle any claim arising out  of 
any consumer credit transaction that is secured by a dwelling (including a home equity line of credit 
secured by the consumer�s principal dwelling). The jury waiver, class action waiver, and arbitrati on 
agreement in this Dispute Resolution provision do n ot apply to you if, as of the date of this 
agreement, you are a member of the Armed Forces or a dependent of such member entitled to 
protection under the Federal Military Lending Act.  
 
SECTION 1: GENERAL PROVISIONS GOVERNING ALL DISPUTE S: 
24.1.1: PRIOR DISPUTE RESOLUTION AGREEMENTS SUPERSE DED. This Dispute 
Resolution Provision shall supersede and replace an y prior �Jury Waiver,� �Judicial Reference,� 
�Class Action Waiver,� �Arbitration,� �Dispute Reso lution,� or similar alternative dispute 
agreement or provision between or among the parties . 
 
24.1.2: �DISPUTE� DEFINED. As used herein, the word �Dispute� means, without l imitation, any 
claim by either party against the other party relat ed to this Agreement, your Card or Account. �Disput e� 
includes, but is not limited to, matters arising fr om or relating to a deposit account, an application  for or 
denial of credit, warranties and representations ma de by a party, the adequacy of a party�s disclosure s, 
enforcement of any and all of the obligations a par ty hereto may have to another party, compliance wit h 
applicable laws and/or regulations, performance or services provided under any agreement by a party, 
including without limitation disputes based on or a rising from any alleged tort or matters involving t he 
employees, officers, agents, affiliates, or assigns  of a party hereto.   
 
If a third party is a party to a Dispute (such as a  credit reporting agency, merchant accepting a cred it 
card, junior lienholder or title company), each par ty hereto agrees to consent to including that third  party 
in any arbitration or judicial reference proceeding  for resolving the Dispute with that third party.  
 
24.1.3: JURY WAIVER. Each party waives its, his or her respective rights to a trial before a jury 
in connection with any Dispute.  All Disputes shall be decided by a judge sitting w ithout a jury, unless 
submitted to binding arbitration pursuant to Sectio n 2 or judicial reference pursuant to Section 3. 
 
This Agreement includes an arbitration agreement, w hich will have a substantial effect on your 
rights in the event of a dispute with us. For examp le, if we elect to require you to arbitrate any 
claim, you will not have the right to a jury trial or the right to participate in a class action in co urt 
or in arbitration. However, the arbitration agreeme nt does not apply if, as of the date of this 
agreement, you are a member of the armed forces or a dependent of such member covered by the 
Federal Military Lending Act. Please see the sectio n of this agreement labeled �Military Lending 
Act.�  
 
24.1.4. AGREEMENT FOR BINDING ARBITRATION OR JUDICI AL REFERENCE (A) IF A 
CONSUMER PARTY REQUESTS, OR (B) IF THE JURY TRIAL W AIVER IS NOT 
ENFORCED.  A party who (in context of the Dispute) is a consum er may timely elect to require that 
the Dispute be submitted as applicable to binding a rbitration under Section 2 hereof or binding judici al 
reference under Section 3 hereof. In addition, if t his Agreement�s jury waiver is unenforceable by law , or 
otherwise not enforced by a court exercising jurisd iction over the Dispute, then all parties hereby ag ree 
that the Dispute shall be timely submitted as appli cable to binding arbitration under Section 2 or bin ding 
judicial reference under Section 3.  BY AGREEING TO RESOLVE SPECIFIED FUTURE 
DISPUTES IN ARBITRATION OR BY JUDICIAL REFERENCE, T HE PARTIES ARE 
WAIVING THEIR RIGHT TO LITIGATE THOSE DISPUTES IN C OURT.   
 
In any lawsuit regarding a Dispute (a �Lawsuit�), f ollowing the service of a complaint, third-party 
complaint, cross-claim or counterclaim or any answe r thereto, any amendment to any of the above, or a 
ruling or entry of an order that has the effect of invalidating this Agreement�s jury trial waiver (an y of 
the foregoing, an �ADR Event�), then at any time prior to trial of the Dispute, but not later than 30 
days after the ADR Event , any party shall be entitled to move the court for  an order (on the grounds set 
forth in the preceding paragraph) compelling arbitr ation under Section 2 or judicial reference under 
Section 3, as applicable, and staying or dismissing  the Lawsuit pending such arbitration or judicial 
reference (an �ADR Order�). A party that commenced or participated in the Lawsuit may nevertheless 
demand arbitration or judicial reference of a Dispu te after an ADR Event.  Commencement or 
participation in the Lawsuit shall not operate as a  waiver of the right to compel arbitration or judic ial 
reference. After entry of an ADR Order, the non-mov ing party shall commence the arbitration or judicia l 
reference. The moving party shall, at its discretio n, also be entitled to commence arbitration or judi cial 
reference but is under no obligation to do so, and the moving party shall not in any way be adversely 
prejudiced by electing not to commence arbitration or judicial references. 
 
24.1.5: CLASS ACTION WAIVER. If permitted by applicable law,  each party waives the right to 
litigate any Dispute as a class action (either as a  member of a class or as a representative) or to ac t 
as a private attorney general. The waiver in this p aragraph applies whether the proceeding is in a 
court, in an arbitration, or in a judicial referenc e proceeding.  
 
24.1.6: SURVIVAL: This Dispute Resolution Provision shall survive any  termination, amendment, or 
expiration of this Agreement, or any other relation ship between the parties.   
 
SECTION 2: TERMS GOVERNING THOSE DISPUTES SUBMITTED  TO ARBITRATION.   
This Section 2 governs Disputes that are submitted for binding arbitration under subsection 24.1.4.  T his 
Section 2 shall not apply to any Dispute that is pe nding in a state or federal court located in the St ate of 
California, except to the extent such Dispute may a lso be pending in a state or federal court located 
outside of California.  An arbitrator shall have no  authority to determine the validity, enforceabilit y, 
meaning and scope of this Dispute Resolution Provis ion, or (ii) class action claims brought by either 
party as a class representative on behalf of others , or by a class representative on either party�s be half as 
a class member, which matters may be determined onl y by a court without a jury.  
 
Arbitration under this provision shall be conducted  before a single arbitrator through either the Nati onal 
Arbitration Forum (�NAF�) or Judicial Arbitration a nd Mediation Service, Inc. (JAMS), as selected by 
the initiating party, in accordance with the rules of NAF or JAMS (the �Administrator�). However, if t he 
parties agree, a licensed attorney may be selected by the parties to conduct the arbitration without a n 
Administrator. If NAF and JAMS both decline to admi nister arbitration of the Dispute, and if the parti es 
are unable to mutually agree upon a licensed attorn ey to act as arbitrator without an Administrator, t hen 
either party may file a Lawsuit and move for an ADR  Order. The arbitrator, howsoever appointed, shall 
have expertise in the subject matter of the Dispute . Venue for the arbitration proceeding shall be as 
stated elsewhere in this Agreement with respect to any judicial proceedings between the parties. Absen t 
such a provision, the arbitration shall be conducte d at a location determined by mutual agreement of t he 
parties or by the Administrator if no agreement can  be reached. The arbitrator shall apply the law of the 
state specified in the agreement giving rise to the  Dispute. 
In any arbitration commenced by a consumer regardin g a consumer Dispute, Lender or Bank shall pay 
one half of the Administrator's initial filing fee,  up to $500. If Lender or Bank commences arbitratio n or 
is the moving party obtaining an ADR Order, Lender or Bank shall pay all Administrator and arbitrator 
fees, regardless of whether or not the consumer is the prevailing party in such arbitration, unless su ch Dispute involves a claim for damages by a consumer and is found by the arbitrator to be frivolous. For  
this paragraph, �consumer Dispute� shall mean a Dis pute involving credit or services provided by 
Lender or Bank, primarily for personal, family or h ousehold purposes, in which the claim for damages i s 
less than $75,000.  
The Administrator and the arbitrator shall have the  authority, to the extent practicable, to take any 
reasonable action to require the arbitration procee ding to be completed within 180 days of commencing 
the arbitration. The arbitrator: (i) will render a decision and any award applying applicable law; (ii ) will 
hear and rule on appropriate dispositive motions fo r judgment on the pleadings, for failure to state a  
claim, or for full or partial summary judgment; (ii i) will give effect to any statutory or contractual  
limitations period ( e.g ., any statute of limitations) in determining any D ispute or defense; (iv) shall have 
the authority to impose sanctions on any party that  fails to comply with time periods imposed by the 
Administrator or the arbitrator, including, without  limitation, the sanction of entering a final award  
against the party that fails to comply; (v) shall h ave authority to award costs and fees (including 
attorneys' fees and costs, arbitration administrati on fees and costs, and arbitrator(s)' fees) to the extent 
permitted by law; (vi) shall recognize and honor cl aims of privilege recognized at law; and (vii) with  
regard to motions and the arbitration hearing, shal l apply the Federal Rules of Evidence. The doctrine s 
of compulsory counterclaim, res judicata, and colla teral estoppel shall apply to any arbitration 
proceeding hereunder. 
 
Commencement of an arbitration by any party shall n ot prevent any party from at any time (i) seeking 
and obtaining from a court of competent jurisdictio n (notwithstanding ongoing arbitration) provisional  
or ancillary remedies including but not limited to injunctive relief, temporary restraining orders, pr operty 
preservation orders, foreclosure, sequestration, ev iction, attachment, replevin, garnishment, and/or t he 
appointment of a receiver; or (ii) availing itself of any self-help remedies such as setoff and reposs ession 
rights or non-judicial foreclosure of collateral. T he exercise of such rights shall not constitute a w aiver of 
the right to submit any Dispute to arbitration. 
 
Judgment upon an arbitration award may be entered i n any court having jurisdiction except that, if the  
arbitration award exceeds $200,000, any party shall  be entitled to a de novo appeal of the award befor e a 
panel of three arbitrators. To allow for such appea l, if the award (including Administrator, arbitrato r, and 
attorney�s fees and costs) exceeds $200,000, the ar bitrator will issue a written, reasoned decision 
supporting the award, including a statement of auth ority and its application to the Dispute. A request  for 
de novo appeal must be filed with the arbitrator wi thin 30 days following the date of the arbitration 
award; if such a request is not made within that ti me period, the arbitration award shall become final  and 
binding.  On appeal, the arbitrators shall review t he award de novo, meaning that they shall reach the ir 
own findings of fact and conclusions of law rather than deferring in any manner to the original arbitr ator.  
Appeal of an arbitration award shall be pursuant to  the rules of the Administrator; if the Administrat or 
has no such rules, then the JAMS arbitration appell ate rules shall apply.  
 
To request information on how to submit an arbitrat ion claim, or to request a copy of an Administrator �s 
rules or fee schedule, please contact the Administr ators as follows: JAMS: 1920 Main St., Suite 300, 
Irvine, CA 92614, Phone: (949) 224-1810, Fax: (949)  224-1818, E-mail: info@jamsadr.com, Website: 
www.jamsadr.com; NAF: National Arbitration Forum, P .O. Box 50191, Minneapolis, MN 55405-0191, 
Phone (800) 474-2371, E-Mail: info@adrforum.com, We bsite: www.adrforum.com. 
 
Arbitration under this provision concerns a transac tion involving interstate commerce and shall be 
governed by the Federal Arbitration Act, 9 U.S.C. �  1 et seq.  If the terms of this Section 2 vary fro m the 
Administrator�s rules, this Section 2 shall control .   
 
SECTION 3:  TERMS GOVERNING THOSE DISPUTES SUBMITTE D TO JUDICIAL 
REFERENCE.   This Section 3 governs Disputes that are submitte d under subsection 24.1.4 for judicial 
reference in accordance with California Code of Civ il Procedure, Section 638, et seq. This Section 3 
may be invoked only with regard to Disputes filed i n state or federal courts located in the State of 
California.  In no event shall this Section 3 dimin ish the force or effect of any venue selection or 
jurisdiction provision in this Agreement or any Rel ated Document. Nothing herein shall preclude a part y 
from moving (prior to the court ordering judicial r eference) to dismiss, stay or transfer the suit to a 
forum outside California on grounds that California  is an improper, inconvenient or less suitable venu e. 
If such motion is granted, this Section 3 shall not  apply to any proceedings in the new forum.  
 
The referee shall be a retired judge, agreed upon b y the parties, from either the American Arbitration  
Association (AAA) or Judicial Arbitration and Media tion Service, Inc. (JAMS). If the parties cannot 
agree on the referee, the party who initially selec ted the reference procedure shall request a panel o f ten 
retired judges from either AAA or JAMS, and the cou rt shall select the referee from that panel. If AAA  
and JAMS are unavailable to provide this service, t he court may select a referee by such other 
procedures as are used by that court. The referee s hall be appointed to sit with all of the powers pro vided 
by law, including the power to hear and determine a ny or all of the issues in the proceeding, whether of 
fact or of law, and to report a statement of decisi on. Only for this Section 3, �Dispute� includes mat ters 
regarding the validity, enforceability, meaning, or  scope of this Section, and class action claims bro ught 
by either party as a class representative on behalf  of others and claims by a class representative on either 
party�s behalf as a class member. The parties agree  that time is of the essence in conducting the judi cial 
reference proceeding set forth herein. Except as ot herwise provided in this paragraph, the costs of th e 
judicial reference proceeding, including the fee fo r the court reporter, shall be borne equally by the  
parties as the costs are incurred, unless otherwise  awarded by the referee. If Lender or Bank commence s 
a judicial reference proceeding regarding a consume r Dispute, Lender or Bank shall pay all referee fee s, 
regardless of whether or not the consumer is the pr evailing party in such proceeding, unless such Disp ute 
involves a claim for damages by a consumer and is f ound by the referee to be frivolous.  For purposes of 
this paragraph, �consumer Dispute� shall mean a Dis pute involving credit or services provided by 
Lender or Bank, primarily for personal, family or h ousehold purposes, in which the claim for damages i s 
less than $75,000.  
 
The referee shall hear all pre-trial and post-trial  matters (including without limitation requests for  
equitable relief), prepare a statement of decision with written findings of fact and conclusions of la w and 
apportion costs as appropriate. The referee shall b e empowered to enter equitable relief as well as le gal 
relief, provide all temporary or provisional remedi es, enter equitable orders that are binding on the 
parties and rule on any motion that would be author ized in a trial, including without limitation motio ns 
for summary adjudication. Judgment upon the award s hall be entered in the court in which such 
proceeding was commenced and all parties shall have  full rights of appeal. This provision will not be 
deemed to limit or constrain Lender�s or Bank�s rig ht of offset, to obtain provisional or ancillary 
remedies, to interplead funds in the event of a dis pute, to exercise any security interest or lien Ban k or 
Lender may hold in property, or to comply with lega l process involving accounts or other property held  
by Bank or Lender. 
 
SECTION 4: RELIANCE. Each party (i) certifies that no one has represente d to such party that the 
other party would not seek to enforce a jury waiver , class action waiver, arbitration provision or jud icial 
reference provision in the event of suit, and (ii) acknowledges that it and the other party have been 
induced to enter into this Agreement by, among othe r things, material reliance upon the mutual waivers , 
agreements, and certifications in the four Sections  of this DISPUTE RESOLUTION PROVISION. 
 
 Zions Bancorporation, N.A. Member FDIC, Equal Housi ng Lender  Last Review Date 20181001