CARDHOLDER AGREEMENT 
                                               
                                                    
                                               
     
    This cardholder agreement (�Agreement�) is for your Account with  BILLING STATEMENTS 
    Commerce Bank, and the Card(s) which has/have been given to you in  You will receive a Statement periodically (normally monthly). Your 
    connection with your Account. Such Account and Card(s) provide you  payment is due within 25 days from the date of the Statement (payment 
    with credit card services and ATM Services. �You� and �your� mean any  due date). 
    applicant for the Account and any person using the Account and/or   
    related Card(s) with the expressed or implied permission of any of the  PAYMENT OPTIONS 
    applicants. Any person whose name appears on the Account for the  You may pay the new balance shown on your Statement each month or  
    Card(s) accompanying this Agreement consents, either by using or  you may pay in monthly installments. If you decide to pay in monthly 
    permitting another to use the Card(s), to all provisions of this Agreement.  installments, you must pay at least the minimum payment on your 
    �We�, �us� and �our� means Commerce Bank, our successors and  Statement. The minimum payment will be the greater of: 
    assigns.                                  �  $30.00 or the full amount of your total balance if it is less than 
                                                $30.00; or 
    In this Agreement:                        �  1.00% of your new balance plus any amounts that are past due, 
    Account is your credit card account.        plus Fees (excluding Balance Transfer and/or Convenience Check 
    Annual Fee is a fee charged on a yearly basis for your continued use of  Fees) and Interest Charges accumulated during the billing period. 
    the Account.                                 
    APR is Annual Percentage Rate.            When a payment is posted to your Account, we reserve the right to 
    ATM is Automated Teller Machine.          restrict or delay all or part of the available credit created by the payment. 
    Balance Transfer is an advance made when transferring a balance from  The restriction or delay of the available credit is for risk management or 
    another creditor to your Account.         other related purposes, including but not limited to protection against 
    Business Days are Monday through Friday. Federal holidays are not  actual or potential fraudulent activities or unauthorized transactions.  
    included.                                  
    Card is the credit card(s) given to you in connection with your Account.  OVERDRAFT PROTECTION 
    Cash Advance includes:                    If you select overdraft protection, a Cash Advance will be made to cover 
      � Non-Overdraft Cash Advance is an advance made by means of  an overdraft in your designated Commerce Bank deposit account. Such 
      an electronic device or machine, or a financial institution teller, or for  Overdraft Cash Advances will be in the amount of $50.00 or multiples of 
      the purchase of wire transfers, non-U.S. currency, travelers� checks,  $50.00. If the designated deposit account is a joint account, you will be 
      money orders, lottery tickets and casino gaming chips.  liable for all overdrafts on the account regardless of which joint account 
      � Overdraft Cash Advance is an advance made by means of  owner caused, or benefited from the overdraft. Each Overdraft Cash 
      overdraft protection.                   Advance is at our discretion. We may permit or refuse to permit any 
    Cash Limit is the maximum dollar amount of your Credit Line, as defined  Overdraft Cash Advance that would cause you to exceed the Cash Limit 
    herein, available for Cash Advances.      on your Account. We are not liable or responsible for any check drawn 
    Charges are costs imposed as part of this Agreement and include both  that may for any reason be returned or otherwise dishonored. We may 
    interest and fees.                        cancel this overdraft feature at any time without notice. 
    Convenience Check is a check provided to you to access credit from   
    your Account.                             BALANCE ON WHICH INTEREST CHARGES ARE CALCULATED 
    Daily Balance is determined, for each day in the billing cycle, by taking  If you accrue any Interest Charges on your Account at a variable rate, 
    the beginning balance, adding any new transactions or other debits, and  that rate will be calculated by adding a margin to the Prime Rate. Please 
    subtracting any payments or other credits.  see the ACCOUNT OPENING DISCLOSURE, which is part of this 
    Daily Periodic Rate is the APR divided by 365.  Agreement, for specific information regarding the APRs used to 
    Fees are non-Interest Charges, including transaction fees.   compute your Interest Charges. 
    Grace Period means the period of time during the billing cycle when you   
    will not accrue Interest Charges on certain transactions or balances.  We calculate your Daily Balance for each day in the billing cycle by 
    Interest Charges are the portion of Charges attributed to periodic  taking your beginning balance, adding any new transactions or other 
    interest rates.                           debits, and subtracting any payments or other credits. We multiply the 
    PIN is Personal Identification Number.    Daily Balance by the Daily Periodic Rate to get your Interest Charges for 
    Prime Rate is the U.S. Prime Rate published in The Wall Street Journal  that day. We add these Interest Charges to your Daily Balance to get the 
    in its column called �Money Rates� on the last Business Day of each  beginning balance for the next day. We do this for all days on which you 
    month.                                    have a balance owing on the Account, disregarding any credit balance, 
    Promotional Balance is the balance subject to the Promotional Rate.  for the billing cycle. 
    Balances subject to Introductory Rates are included.   
    Promotional Rate is a rate other than the standard rate, tied to a special  We add all the daily Interest Charges and round the sum to the next 
    offering. A Promotional Rate offered when you open your Account may  highest cent to get your total Interest Charges for that billing cycle. We 
    be called an Introductory Rate.           do this calculation separately for each type of balance. 
    Purchase means purchase of merchandise or services on the Account   
    plus related Charges and does not include any Balance Transfer,  The Prime Rate used to determine the APR on your Account is the U.S. 
    Convenience Check, Cash Advance, and related Fees or Interest  Prime Rate published in The Wall Street Journal in its column called 
    Charges.                                  �Money Rates� on the last Business Day of each month. Although each 
    Statement is your billing statement.      Daily Periodic Rate is determined by an index published prior to the first 
                                              day of each calendar month, the respective Daily Periodic Rate will only 
    CREDIT CARD SERVICES                      become effective and charged as of the first day of the monthly billing 
    The following provisions relate only to credit card services except as  period following the respective calendar month in which the index is so 
    otherwise applicable.                     published. No representation is made that the U.S. Prime Rate is the 
                                              lowest, the best or the favored rate of interest. If for any reason The Wall 
    ACCOUNT DESCRIPTION                       Street Journal no longer publishes the �Money Rates� column, then we 
    We will grant you a line of credit with a maximum dollar limit (�Credit  will choose a new index based on comparable information. An increase 
    Limit�) and may designate a Cash Limit as determined by us. These  in the Prime Rate will cause your interest rate to increase and may cause 
    limits will be indicated on your Statement.   your minimum monthly payment to increase. 
                                               
    Subject to the terms of this Agreement, you may use your Account to  INTEREST CHARGE COMPUTATION 
    make Purchases and obtain Balance Transfers, Convenience Checks,  �  ON PURCHASES: Interest Charges begin to accrue on the 
    and Cash Advances that do not exceed your Credit Limit and/or Cash  transaction date, provided such date will never be later than the 
    Limit at any time. Should your Purchases, Balance Transfers,  date the Purchase is posted to the Account or earlier than the first 
    Convenience Checks, and/or Cash Advances ever exceed your Credit  day of the billing cycle for the Statement on which such transaction 
    Limit and/or Cash Limit, we reserve the right to terminate this Agreement  is shown. Purchases are subject to a Grace Period. If the previous 
    and demand the return of your Card(s). We can increase or decrease  balance is zero, or was paid in full by the payment due date shown 
    your Credit Limit and/or Cash Limit at any time without prior notice or  on your Statement, no Interest Charge will be assessed on current 
    liability. A change to your Credit Limit and/or Cash Limit will not affect  Purchases. 
    your obligation to pay us.                �  ON BALANCE TRANSFERS OR CONVENIENCE CHECKS: 
                                                Interest Charges begin to accrue on the date of the Balance 
    We may decline, at any time in our sole discretion, an authorization  Transfer or Convenience Check, provided such date will never be 
    request for any transaction for any reason, included but not limited to:   later than the date the Balance Transfer or Convenience Check is 
       �   operational considerations,          posted to the Account or earlier than the first day of the billing cycle 
       �  your Account is in default,           for the Statement on which such transfer or check is shown.  
       �   we suspect fraudulent or unlawful activity  �  ON CASH ADVANCES: Interest Charges begin to accrue on the 
    We are not responsible for any losses or damages, including  date of the Cash Advance, provided such date will never be later 
    consequential damages, if a transaction on your Account is declined,  than the date the Cash Advance is posted to the Account or earlier 
    either by us or a third party, even if you have sufficient credit available.  than the first day of the billing cycle for the Statement on which such 
                                                advance is shown.  
    PROMISE TO PAY                             
    You promise to pay for all Purchases, Balance Transfers, Convenience  TOTAL INTEREST CHARGE COMPUTATION 
    Checks, and Cash Advances made by you through the use of the  We add Interest Charges for each type of balance to obtain your total 
    Account. In addition, you promise to pay all other amounts owed due to  Interest Charge for each billing cycle.  
    use of the Account by anyone else you authorize to use the Account until   
    such person�s authority is ended. You may only end such person�s  PENALTY RATE AND WHEN IT APPLIES 
    authority by notifying us in writing and returning to us any Card such  If at any time we have not received the required minimum monthly 
    person may have. All of you are responsible, both together and  payment within 60 days of the respective payment due date, we may 
    individually, for the entire Account balance even though only one of you  increase the applicable APR to a penalty APR (�Penalty Rate�). Please 
    uses the Account.                         see the ACCOUNT OPENING DISCLOSURE for information 
                                              regarding the Penalty Rate for your Account. The Account may be 
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    eligible for your standard Daily Periodic Rates and corresponding APR  next six billing cycles will also incur a $39 Returned Item Fee. At no time 
    for each type of balance after you have met the terms of this Agreement  will the Returned Item Fee exceed the amount of the Convenience 
    for six consecutive billing cycles after the monthly Statement on which  Check. 
                                                    
    the Penalty APR first appears. Otherwise, the Penalty Rate may apply   
     
    indefinitely.                             Convenience Checks and Document Copy Charges 
                                              Charges for Convenience Checks and requests for copies of sales 
    TERMINATION OF INTRODUCTORY OR PROMOTIONAL RATES  drafts, Statements or other documents related to your Account may be 
    If during an Introductory or Promotional Rate period, we have not  billed on your Account as Purchases in accordance with the fee schedule 
    received the required minimum monthly payment within 60 days of the  established by us from time to time. No charge will be made for copy 
    respective payment due date, we will increase the applicable APR to the  requests related to billing error resolution within 60 days of the disputed 
    Penalty APR. Introductory and/or Promotional Rates will not be  transaction. 
    reinstated.                                
                                              TOTAL FEE COMPUTATION 
    FEES                                      We add all Fees assessed to obtain your total Fees for each billing cycle 
                                              (excluding transaction Fees for Balance Transfers and/or Convenience 
    Transaction, Annual and Penalty Fees:     Checks). We will assess Fees for Balance Transfers and/or Convenience 
    Please see the ACCOUNT OPENING DISCLOSURE for information  Checks to your Account in the same balance category to which the 
    regarding the specific Fees that may be charged to your Account.  transaction is posted. 
                                               
    Minimum Interest Charge                   CANCELLATION 
    A minimum Interest Charge will be imposed in any billing cycle for which  To the extent permitted by law, Commerce Bank may cancel your 
    an Interest Charge is payable, and will appear on your Statement as a  Account, refuse to allow further transactions against your Account or 
    Fee.                                      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 
    Balance Transfer Or Convenience Check Transaction Fee  you may have with a sponsoring organization ceases or when any 
    You will be charged a transaction Fee, with a minimum and no  agreement we may have with the sponsoring organization is terminated. 
    maximum, for each Balance Transfer and/or Convenience Check posted  Cancellation of your Account will not affect your liability to us for credit 
    to your Account.                          we have extended to you, including amounts not yet billed to your 
                                              Account. We may cancel your Account without prior notice or liability. 
    Non Overdraft Cash Advance Transaction Fee  You must surrender the Card(s), either upon a direct request by us, or 
    You will be charged a transaction Fee, with a minimum and no  any other bank or merchant who is acting upon our instructions. 
    maximum, for each Cash Advance posted to your Account.   
                                              CONDITIONS OF DEFAULT 
    Overdraft Cash Advance Transaction Fee    We may consider you to be in default if we do not receive a required 
    You will be charged a transaction Fee for each Cash Advance resulting  payment when due, including the minimum payment by the date shown 
    from the overdraft protection.            on your Statement; you fail to comply with the terms of this Agreement; 
                                              you make any false or misleading statements or omissions on your 
    Annual Fee                                application; you file a bankruptcy petition or have one filed against you; 
    Your Account may have a Fee that will be added annually to your  we obtain information that causes us to believe that you may be unwilling 
    Account (�Annual Fee�). Please see the ACCOUNT OPENING  or unable to pay your debts to us or to others on time including, but not 
    DISCLOSURE for information regarding the specific fee, if any, for  limited to, your failure to make any payment to us on any other 
    your Account.                             indebtedness or loan; you are declared incompetent by a court or a court 
    The imposition or payment of an Annual Fee does not affect or limit our  appoints a guardian/conservator for you or your assets; or you die. 
    right to terminate this Agreement, cancel your Account, and demand   
    payment, in a manner permitted by law, of any amounts owed on your  If we consider your Account to be in default, we may close your account 
    Account.                                  without notice and require you to pay the balance in a manner permitted 
                                              by law (subject to applicable law regarding notice or right to cure). To the 
    Foreign Transactions                      extent permitted by law, if you are in default you will pay our collections 
    Please see the ACCOUNT OPENING DISCLOSURE for information  costs, attorneys� fees, court costs, and all other expenses of enforcing 
    regarding the specific Fees that may be charged to your Account related  our rights under this Agreement. 
    to foreign transaction.                    
                                              ALLOCATION OF PAYMENTS 
    Visa and Mastercard Purchases, cash withdrawals and Cash Advances  We will allocate your minimum payment in the manner we determine. We 
    made in currencies other than U.S. Dollars will be converted to U.S.  will apply the amount in excess of the minimum payment to balances 
                           �  Dollars under regulations established by VISA International and  with higher APRs before balances with lower APRs. 
          �  Mastercard International. Visa conversion will be at a rate selected by   
    Visa from the range of rates available in wholesale currency markets for  RECEIPT OF PAYMENTS 
    the applicable central processing date, which may vary from the rate  Payments received before 5 PM CT at the address shown on your 
    Visa itself receives or the government-mandated rate in effect for the  Statement on any of our regular Business Days will be posted as of the 
    applicable central processing date. Mastercard conversion will be at a  date of receipt. Payments made in person before the close of business to 
    rate selected by Mastercard, typically either a government-mandated  an employee at a Commerce branch will be posted as of date of receipt. 
    rate or a wholesale rate provided to Mastercard. Conversion to U.S.  Payments mailed to the address shown or made in person at a branch 
    dollars may occur on a date other than the date of the transaction.  must be accompanied by the Account number or payment stub, and in 
    Therefore, the conversion rate may be different from the rate in effect at  the form of a check or money order in U. S. Dollars drawn on a U. S. 
    the time of the transaction. You agree to pay the converted amount plus  financial institution. Do not send cash through the mail. A delay in 
    the applicable foreign transaction Fee. For Purchases, cash withdrawals,  crediting the payment to your Account may occur if the payment does not 
    and Cash Advances made in U.S. dollars outside of the United States  meet these requirements for making payments (conforming 
    and its territories, you agree to pay the transaction amount, plus the  payments). In no case shall such delay exceed five days from receipt of 
    applicable foreign transaction Fee.       such payment. 
                                               
    Late Payment Fee                          The cutoff time for payments made on any of our regular Business Days 
    For each payment not received by the payment due date, we may  through Commerce as transfers from your Commerce deposit account 
    charge a fee (�Late Payment Fee�). The first time you are late making the  are as follows: Commerce ATM, 7:00 PM CT; Commerce Online 
    required minimum monthly payment (�Late Payment First Occurrence�),  Banking, including Mobile Banking, 7:00 PM CT; Commerce Account 
    a $28 Late Payment Fee may be imposed. After the Late Payment First  Information Line, 7:00 PM CT; Commerce BankCards Online, 11:00 PM 
    Occurrence, if you make a late payment at anytime during the next six  CT; Commerce Collections Department, 11:00 PM CT. A payment made 
    billing cycles (�Late Payment Second Occurrence�), a $39 Late Payment  through Commerce Online Bill Pay will be posted on the Pay Date. 
    Fee may be imposed. After the Late Payment Second Occurrence, any   
    subsequent late payment during the next six billing cycles will also incur  Conforming payments received after the respective cutoff time will be 
    a $39 Late Payment Fee. At no time will the Late Payment Fee exceed  posted no later than the next Business Day. Payments made by a third-
    the amount of the required minimum monthly payment.  party payor, will be posted as of the date we receive the payment. 
                                               
    Overlimit Fee                             When the due date falls on a weekend or holiday, your payment due 
    In the event your balance exceeds your credit limit, no Fee will be  date will be on the next Business Day. 
    charged.                                   
                                              We may accept late payments, partial payments or checks and money 
    Other Fees                                orders (or accompanying written communication) containing a statement 
                                              to the effect that the instrument was tendered as �payment in full,� full 
    Returned Payment Fee                      satisfaction of a disputed claim or other similar language without losing 
    No Fee will be charged for any check or other form of payment sent to us  any rights under this Agreement or under the law. All such payments or 
    which is returned unpaid.                 written communications must be mailed to: Commerce Bank, P.O. Box 
                                              410857, Kansas City, MO 64141-1857. 
    Returned Item Fee                          
    If we decline to honor a Convenience Check or when payment of a  CHANGE OF TERMS 
    Convenience Check is stopped at your request, we may charge a fee  Provided the Account is meeting the terms of this Agreement: (1) We will 
    (�Returned Item Fee�). The first time we decline to honor a Convenience  not increase an introductory APR during any Introductory Rate period; 
    Check or when payment of a Convenience Check is stopped at your  and (2) We will not increase any APR, Annual Fee or minimum Interest 
    request (�Returned Item First Occurrence�), a $28 Returned Item Fee  Charge for 12 months following account opening, except for increases 
    may be imposed. After the Returned Item First Occurrence, if we decline  due to the expiration of an Introductory or Promotional Rate period, if 
    a Convenience Check or you request stop payment of a Convenience  any; changes in the Prime Rate; completion or failure of a temporary 
    Check at anytime during the next six billing cycles (�Returned Item  hardship arrangement; application of a Penalty Rate; or the end of 
    Second Occurrence�), a $39 Returned Item Fee may be imposed. After  military service to which the provisions of the Servicemembers Civil 
    the Returned Item Second Occurrence, any subsequent declined  Relief Act (SCRA) apply (�Exceptions�). Otherwise, we may change the 
    Convenience Check or stop payment of a Convenience Check during the  terms of the Agreement at any time, after notice and the right to reject if 
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    required by law. Changes in any APR, other than the stated Exceptions,  �  Merchants with whom you�ve shared your Account number may be 
    Annual Fee or minimum Interest Charge will apply to new transactions  updated with new Account information to ensure the continuation of 
    created after the end of the 14th day following our providing notice to  your payment agreement. 
                                                    
    you. If you reject a change, your Account will be cancelled and you will  �  You will not use your Card(s) for any purpose that has been 
     
    no longer be able to use the Account.       deemed illegal. We reserve the right to deny authorization requests 
                                                from online gambling merchants, whether or not online gambling is 
    Cancellation of your Account will not affect your liability to us for credit  illegal in the state in which you reside. 
    we have extended to you, including amounts not yet billed to your  �  Commerce Bank may share your Account experience and 
    Account.                                    transaction information with its Affiliates, which are members 
                                                of the Commerce Family of Companies as defined in your 
    ELECTRONIC RECORDS                          Privacy Statement. Unless you call 1-800-543-4845, you agree 
    You agree that this document and all paper records related to your  that Commerce Bank and its Affiliates may also share other 
    Account and whether or not the other paper records were submitted,  information about you or your Account. 
    received or obtained in advance of, contemporaneously with or  �  You must notify us immediately at Commerce Bank, P.O. Box 
    subsequent to, the delivery of this document may, at the option of  411036, Kansas City, MO 64141-1036, if you believe any 
    Commerce Bank, be converted by any digital or electronic method or  information we reported to a credit reporting agency is inaccurate. 
    process to an electronic record or subsequently further converted or   
    migrated to another electronic record format or electronic storage  SECURITY INTEREST 
    medium. You further agree that upon conversion to an electronic record  Collateral securing other loans with us may also secure this 
    as authorized herein such electronic record shall be the record of the  indebtedness. 
    transaction and the electronic record shall have the same legal force and   
    effect as the paper documents from which it was converted. You waive  CHANGES IN ADDRESS 
    any legal requirement that any documents digitally or electronically  You agree to notify us immediately if you change your address. 
    converted be embodied, stored, or reproduced in a tangible media. You   
    undersigned and agree that a printed or digitally reproduced copy of the  INTERPRETATION 
    electronic record shall be given the same legal force and effect as a  The Agreement shall be governed by applicable federal law and 
    signed writing. In addition, you authorize and agree to destruction of the  regulations. To the extent not preempted by applicable federal law, this 
    paper documents by Commerce Bank upon conversion of the paper  Agreement shall be governed by the laws of the state of Missouri, but 
    documents to a digital or electronic record.  Commerce Bank will rely on the provisions of Nebraska law with respect 
                                              to the fees and charges (other than interest) that apply to your Account, 
    COMMUNICATIONS CONSENT                    as authorized by Missouri Revised Statutes Section 408.145.  
    You expressly consent and agree that Commerce Bank and their   
    affiliates, agents, vendors, collections agencies, and service providers  Your Billing Rights: Keep this Document for Future Use 
    may use written, electronic or verbal means to contact you. The ways in  This notice tells you about your rights and our responsibilities 
    which we may contact you include, but are not limited to, contact by  under the Fair Credit Billing Act. 
    manual calling methods, live operator calls, prerecorded or artificial voice   
    calls and messages, text messages, emails, and/or automatic telephone  What To Do If You Find A Mistake On Your Statement 
    dialing systems. You agree that Commerce Bank and their affiliates,  If you think there is an error on your Statement, write to us at: 
    agents, vendors, collections agencies, and service providers may contact  Commerce Bank, P.O. Box 411036, Kansas City, MO 64141-1036 
    you by using any email address or any telephone number you provide,  You may also send us this information via fax at 1-816-234-2811 
    now or in the future, including a number for a cellular phone or other   
    wireless device, regardless of whether you incur charges as a result.  In your letter, give us the following information: 
    Phone numbers and email addresses, you provide include those you  �  Account information: Your name and Account number. 
    give to us, those from which you contact us or which we obtain through 
                                                �  Dollar amount: The dollar amount of the suspected error. 
    other means. Message and data rates may apply. 
                                                �  Description of problem: If you think there is an error on your 
     
                                                   bill, describe what you believe is wrong and why you believe it 
    Indemnification  
                                                   is a mistake. 
    If you provide telephone number(s) for which you are not the subscriber, 
                                              You must contact us: 
    you understand that you shall indemnify us for any costs and expenses, 
                                                �  Within 60 days after the error appeared on your Statement. 
    including reasonable attorneys� fees, incurred as a result of us contacting 
                                                �  At least 3 Business Days before an automated payment is 
    or attempting to contact you at the number(s) provided. In the event any 
                                                   scheduled, if you want to stop payment on the amount you 
    of your contact information changes, you agree to immediately notify us. 
                                                   think is wrong. 
     
                                              You must notify us of any potential errors in writing. You may call us, but 
    Communication Revocation  
                                              if you do we are not required to investigate any potential errors and you 
    If you do not want to receive communications as described in the 
                                              may have to pay the amount in question. 
    previous paragraph, you must: (i) provide us with written notice revoking 
                                               
    your prior consent, (ii) in that written notice, you must include your name, 
                                              What Will Happen After We Receive Your Letter 
    mailing address, and the last four digits of your Account number; (iii) 
                                               
    advise whether you would like communications to cease via mail, voice 
                                              When we receive your letter, we must do two things: 
    calls, telephone number(s), email, text/SMS, or cease in all forms; (iv) if 
                                              1. Within 30 days of receiving your letter, we must tell you that we 
    you are requesting communications to cease via telephone number(s) 
                                              received your letter. We will also tell you if we have already corrected the 
    and/or email, please provide the specific phone number(s) and email 
                                              error. 
    address; (v) you must send this written notice to: 
                                              2. Within 90 days of receiving your letter, we must either correct the error 
     
                                              or explain to you why we believe the bill is correct. 
    Commerce Bank 
                                               
    Attention � Commerce Bank Customer Service 
                                              While we investigate whether or not there has been an error: 
    P.O. Box 411036, Kansas City, MO 64141-1036 
                                                �  We cannot try to collect the amount in question, or report you 
     
                                                   as delinquent on that amount. 
    Telephone Conversation Recording  
                                                �  The charge in question may remain on your Statement, and 
    You consent and agree that our staff may monitor and/or record phone 
                                                   we may continue to charge you interest on that 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  �  While you do not have to pay the amount in question, you are 
    collect debt(s).                               responsible for the remainder of your balance. 
                                                �  We can apply any unpaid amount against your credit limit. 
    MILITARY LENDING ACT DISCLOSURE           After we finish our investigation, one of two things will happen: 
    Federal law provides important protections to members of the Armed  �  If we made a mistake: You will not have to pay the amount in 
    Forces and their dependents relating to extensions of consumer credit. In  question or any Interest Charges or other Fees related to that 
    general, the cost of consumer credit to a member of the Armed Forces  amount. 
    and his or her dependent may not exceed an annual percentage rate of  �  If we do not believe there was a mistake: You will have to pay 
    36 percent. This rate must include, as applicable to the credit transaction  the amount in question, along with applicable Interest Charges 
    or account: The costs associated with credit insurance premiums; fees  and Fees. We will send you a Statement of the amount you 
    for ancillary products sold in connection with the credit transaction; any  owe and the date payment is due. We may then report you as 
    application fee charged (other than certain application fees for specifed  delinquent if you do not pay the amount we think you owe. 
    credit transactions or accounts); and any participation fee charged (other   
    than certain participation fees for a credit card account). You can call toll  If you receive our explanation but still believe your bill is wrong, you must 
    free to 855-225-1576 to hear the applicable required Military Lending Act  write to us within 10 days telling us that you still refuse to pay. If you do 
    disclosures.                              so, we cannot report you as delinquent without also reporting that you 
                                              are questioning your bill. We must tell you the name of anyone to whom 
    MISCELLANEOUS PROVISIONS                  we reported you as delinquent, and we must let those organizations 
    You also agree that:                      know when the matter has been settled between us. 
    �  We may refuse to extend credit to you or anyone using your   
       Account or Card(s).                    If we do not follow all of the rules above, you do not have to pay the first 
    �  We will not be liable or responsible for anyone�s refusal to honor  $50 of the amount you question even if your bill is correct. 
       your Card(s).                           
    �  Each Account you have with us is separate from any others you  Your Rights If You Are Dissatisfied With Your Credit Card 
       have with us, and Interest Charges will be charged on each  Purchases 
       Account�s balance at the APR given with each Agreement. Each  If you are dissatisfied with the goods or services that you have 
       individual Account will be designated by an individual Account  Purchased with your credit card, and you have tried in good faith to 
       number.                                correct the problem with the merchant, you may have the right not to pay 
                                              the remaining amount due on the Purchase. 
    �  Your Card(s) are Commerce Bank property. 
                                               
    �  We may change the premium enhancements offered at any time 
                                              To use this right, all of the following must be true: 
       without further notice to you. 
                                               
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      1. The Purchase must have been made in your home state or within   
      100 miles of your current mailing address, and the purchase price   
      must have been more than $50. (Note: Neither of these are   
                                                    
      necessary if your Purchase was based on an advertisement we   
     
      mailed to you, or if we own the company that sold you the goods or   
      services.)                               
      2. You must have used your credit card for the Purchase. Purchases   
      made with Cash Advances from an ATM or with a check that   
      accesses your credit card Account do not qualify.   
      3. You must not yet have fully paid for the Purchase.   
                                               
    If all of the criteria above are met and you are still dissatisfied with the   
    Purchase, contact us in writing at:        
                                               
    Commerce Bank P.O. Box 411036, Kansas City, MO 64141-1036   
                                               
    While we investigate, the same rules apply to the disputed amount as   
    discussed above. After we finish our investigation, we will tell you our   
    decision. At that point, if we think you owe an amount and you do not   
    pay, we may report you as delinquent.      
                                               
    LIABILITY FOR UNAUTHORIZED USE             
    If your name appears on the Account for the Card(s) accompanying this   
    Agreement, then by using or permitting another to use the Card(s) and/or   
    PIN, you agree to all the provisions of this Agreement, including, but not   
    limited to your promise to pay. You will not be liable for unauthorized use   
    that occurs after you notify Commerce Bank orally or in writing.   
    Notification of loss, theft or possible unauthorized use may be mailed to   
    Commerce Bank, P.O. Box 411036, Kansas City, MO 64141-1036, or   
    you may call 1-800-645-2103.               
                                               
                                               
    __________________________________________   
                                               
    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)                     
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
                                               
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                                                     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, an 
    that is not designated by Commerce as lost, stolen, fraud transferred,  �ATM Account�). If you wish to designate one or more checking accounts 
    credit revoked, closed, bankrupt, charged off, or in Consumer Credit  as an ATM Account, then you must designate one of those checking 
    Counseling or recovery. By using these optional features, you  accounts as your Point of Sale Account as defined below. In order to 
    acknowledge that you have read and accepted the Commerce Bank  have ATM access to your checking accounts, you must at all times 
                                    SM  Special Connections terms and conditions (�Special Connections maintain a Point of Sale Account. If you no longer have a Point of Sale 
                                � Terms and Conditions�) and the Commerce Bank toggle  terms and  Account, then you will lose ATM access to all of your checking accounts.  
              � conditions (�toggle  Terms and Conditions�) which shall govern your use   
    of and rights under these optional features.  Commerce has no control over the functionalities offered at non-
                                              Commerce ATMs. Some or all of these features may not be available at 
                 SM                � The Special Connections  Terms and Conditions and toggle  Terms  all non-Commerce ATMs and some ATMs may allow you to perform 
    and Conditions are a separate agreement and are not part of your  other functions not mentioned here, including the ability to make 
    Agreement.                                purchases (e.g. stamps). If at any time you use a non-Commerce ATM to 
                                              request to take money from an account that you do not have or if the 
                  SM SPECIAL CONNECTIONS  FEATURE  non-Commerce ATM does not prompt you to select a specific account 
                        SM With this feature (�Special Connections  Feature�), and as permitted  from which to take the money, then you agree that Commerce will 
    from time to time, you may use your Card to access Commerce Bank  attempt to comply with your request by providing you with money from 
    Special Connections Feature-eligible deposit accounts, credit cards,  one of your open ATM Accounts. Cash withdrawals may be taken from 
    lines of credit, and/or loans. You may request the Special Connections  any open deposit ATM Account owned by you and cash advances may 
    Feature from a Commerce Bank branch, through Commerce Bank  be taken from any credit card ATM Account owned by you. 
    Online Banking, or from our Customer Service Department at 1-800-645-  
    2103. These features are not automatically activated.  Point of Sale Transaction 
                                              You may designate one (1) checking account as your Special 
                         �  �       �               SM For customers with a Special Connections  Visa  or Mastercard  credit  Connections  Feature at the point of sale account (�Point of Sale 
                          SM card, please note: The Special Connections  Feature is different from a  Account�). At merchants that have agreed to accept the Card on 
                                                                           SM Commerce Bank Special Connections Visa or Mastercard credit card.  networks utilized by us and support the Special Connections  Feature, 
    The Special Connections Feature allows you to add certain functionality  you can use funds in your Point of Sale Account to pay for your 
    to any Commerce Bank-issued credit card, including Commerce Bank�s  purchases. The use of your Card in this manner constitutes a 
    Special Connections Visa or Mastercard credit card. However, your  simultaneous withdrawal from and/or demand upon your checking 
    Special Connections Visa or Mastercard credit card is not automatically  account, even though the transaction may not actually be posted to your 
    enabled with the Special Connections Feature. You must proactively  account until a later date. Merchants decide how to interact with the 
                                                        SM enroll any credit card, including your Special Connections Visa or  Special Connections  Feature and the experience may vary. 
    Mastercard credit card, in the Special Connections Feature in order for   
    that card to utilize the Special Connections Feature�s capabilities  Only Commerce checking accounts are eligible for this functionality and 
    described herein.                         only one (1) Commerce Bank checking account can be designated as 
                                              the Point of Sale Account at any one time. Your Point of Sale Account 
    ELECTRONIC FUND TRANSFERS                 shall always remain as an ATM Account. If at any time you instruct 
    The following provisions apply only to electronic fund transfers (�EFTs�).  Commerce to remove the Point of Sale capabilities from your card, you 
    EFTs are any transfer of funds initiated with your Card(s) at an ATM or  will no longer have access to any of your checking accounts at the ATM.  
    as a debit transaction at Point of Sale. We can cancel these services at   
    any time and for any reason without notice. We can also cancel your  ATM and Point of Sale transactions will post to your checking account(s) 
    entire Account, including credit card services, and revoke your Card(s)  as detailed in your Deposit Agreement.  
    as provided in the CANCELLATION paragraph above. This may be done   
    by an ATM or merchant not returning your Card(s) to you. We may  Foreign Transaction 
    change the terms of this Agreement relating to EFTs without notice to  For transactions occurring outside of the United States, the nature of 
    you unless required by law.               which is unspecified to us, we will apply the transaction to accounts in 
                                              the following order: checking, money-market, regular savings, 
     
                                              Commerce Visa or Commerce Mastercard. 
    TELEPHONE NUMBER AND ADDRESS TO BE NOTIFIED IN EVENT 
    OF UNAUTHORIZED TRANSFER                   
    Tell us AT ONCE if you believe your card has been lost or stolen, or if  Limitation on Frequency of Transfers. There are no limitations on the 
    you believe that an electronic fund transfer has been made without your  number of transfers that can be made during any time period to or from 
    permission using information from your check. Telephoning is the best  any deposit account, except as provided by federal regulations limiting 
    way of keeping your possible losses down. You could lose all the money  preauthorized transfers. By federal regulation, you are limited during any 
    in your account plus your maximum overdraft line of credit. If you tell us  statement cycle to six preauthorized transfers (three of which may be by 
    within 2 business days after you learn of the loss or theft of your card,  check, draft or similar order if the account is a money market-type 
    you can lose no more than $50 if someone used your card without your  account). 
    permission.                                
                                              Limitation on Dollar Amount of Transfers. The balance available for 
    If you do NOT tell us within 2 business days after you learn of the loss or  authorizing purchases and cash withdrawals is the lesser of 1) your 
    theft of your card, and we can prove we could have stopped someone  available deposit account balance, plus any credit available through an 
    from using your card without your permission if you had told us, you  overdraft protection line of credit or through any overdraft authorized by 
    could lose as much as $500.               us in our sole discretion, OR 2) daily dollar limitations. For cash 
                                              advances against a Commerce Bank credit card, you may withdraw cash 
    Also, if your statement shows transfers that you did not make, including  up to the lesser of your credit line or daily dollar limitations. In addition, 
    those made by card, code or other means, tell us at once. If you do not  daily withdrawal frequency limitations may apply to cash advances. 
    tell us within 60 days after the statement was mailed to you, you may not  Dollar limitations may differ at ATMs other than ours. 
    get back any money you lost after the 60 days if we can prove that we   
    could have stopped someone from taking the money if you had told us in  Online Gambling. You agree that you will not use your card for any 
    time. If a good reason (such as a long trip or a hospital stay) kept you  purpose that has been deemed illegal. We reserve the right to deny 
    from telling us, we will extend the time period. By permitting another  authorization requests from online gambling merchants, whether or not 
    person to use the card, you authorize and are fully liable for any  online gambling is illegal in the state in which you use your card. 
    transactions that person initiates until that person�s authority is ended.   
    You may only end that person�s authority by notifying us.   Reservations and Merchant Authorization. Under certain 
                                              circumstances, a merchant (e.g., hotel) may require the use of a card to 
    If you believe your card has been lost or stolen, or that someone has  guarantee reservations that may result in a hold on the available funds in 
    transferred or may transfer money from your account without your  the account. If you cancel any guaranteed reservation made using the 
    permission, call us at 1-800-617-7480 or write to us at Commerce Bank,  card, you must obtain a cancellation number. If you fail to do so, the hold 
    PO Box 411036, Kansas City, MO 64141-1036. You should also call the  placed for the guaranteed reservation will not be canceled and the 
    number or write to the address listed above if you believe a transfer has  amount will be held against the balance in the account. This may limit 
    been made using the information from your check without your  your future transactions. Further, if the merchant subsequently charges 
    permission.                               the amount of the guaranteed reservation to the account, we will not be 
                                              obligated to re-credit the account if you fail to obtain a cancellation 
    TYPES OF AVAILABLE TRANSFERS AND LIMITS ON TRANSFERS  number. In addition, authorizations issued for card transactions must be 
    Account Access. The following EFTs are only available if you request  canceled when you initiate a card transaction and subsequently use 
                 SM the Special Connections  Feature. Depending on the type of accounts  another form of payment for the transaction such as a credit card or 
    that Commerce determines from time-to-time are eligible for the Special  cash, since failure to have the authorization canceled may also result in 
    Connections Feature as well as which of your accounts you choose to   a hold on funds in the account and limit your future transactions. 
    access using the Special Connections Feature, you may use your Card   
    to perform the following functions where otherwise permitted:   POINT OF SALE TRANSACTIONS 
                                                                      SM The use of your card with the Special Connections  Feature to 
    ATM Transaction                           purchase goods and services constitutes a simultaneous withdrawal from 
    At the ATM, insert your Card and enter the credit card PIN that you  and/or demand upon your checking account, even though the transaction 
    established for this Card to (i) withdraw cash from, deposit money in,   may not actually be posted to your account until a later date. Any person 
    transfer funds between, or learn the balances in your checking, regular  or merchant honoring your card may be required to obtain approval or 
    savings or money-market accounts; (ii) use funds from your checking,   authorization for any transaction. When we approve a non-PIN 
      5 
     
    transaction (which may or may not require your signature), we may  �  If the terminal or system was not working properly and you knew 
    immediately reduce the available balance in your checking account by  about the breakdown when you started the transaction.  
    the authorization amount requested by the merchant even though we  �  If circumstances beyond our control (such as flood or fire) prevent     
    have not received the transaction electronically for payment, which may  the transfer, despite reasonable precautions that we have taken.  
     
    differ from the final posted amount.      �  There may be other exceptions stated in our Agreement with you.  
                                               
    This authorization amount will not be available until our receipt of the  ERROR RESOLUTION PROCEDURES 
    transaction OR no more than three business days after the transaction  In case(s) of errors or questions about your EFTs, telephone us at 1-800-
    date, whichever first occurs. If funds are not available for checks, other  617-7480 or write us at Commerce Bank, PO Box 411036, Kansas City, 
    items or debits, you may be subject to overdraft or insufficient funds fees.  MO 64141-1036 as soon as you can, if you think your statement or 
    Transactions with your card will be posted to your account in the order  receipt is wrong, or if you need more information about a transfer listed 
    and with the same legal effect as checks or other debits drawn on your  on the statement or receipt. We must hear from you no later than 60 
    account. You may use your card only in the manner and for the purposes  days after we sent the FIRST deposit statement on which the problem or 
    authorized by this Agreement. We may recognize a transaction even if  error appeared.  
    we have not authorized it, but that does not mean we will authorize the  �  Tell us your name and account number.  
    same type of transaction again. You do not have the right to stop  �  Tell us the name of the merchant, the transaction date and the 
    payment on any transaction originated by use of your card with the  dollar amount of the suspected error.  
               SM Special Connections  Feature, except recurring preauthorized transfers 
                                              �  Describe the error or the transfer you are unsure about, and explain 
    as described in this Agreement.  
                                                as clearly as you can why you believe it is an error or why you need 
     
                                                more information.  
    Overdrafts. You are responsible for all authorized transactions initiated 
                             SM               �  Tell us if you have already attempted to resolve the issue directly 
    by use of your card with the Special Connections  Feature. If a negative 
                                                with the merchant.  
    balance (overdraft) in your checking account results from the use of the 
                                              �  If you tell us orally, we may require that you send your complaint or 
    card with the Special Connections Feature, you will pay us on demand 
                                                question in writing within 10 business days.  
    this negative balance and our then current charge for overdrafts. If you 
                                               
    have an overdraft line of credit (Checking Plus) for an account, you are 
                                              We will determine whether an error occurred within 10 business days 
    bound by the rules and regulations that apply to that credit privilege 
                                              after we hear from you and will correct any error promptly. If we need 
    (Overdraft Protection). In addition, if your checking account is closed 
                                              more time, however, we may take up to 45 calendar days to investigate 
    before transactions are posted, you will pay us on demand the 
                                              your complaint or question. If we decide to do this, we will credit your 
    outstanding amount. 
                                              deposit account within 10 business days for the amount you think is in 
     
                                              error so that you will have the use of the money during the time it takes 
    FEES 
                                              us to complete our investigation. If we ask you to put your complaint or 
    Fees for all EFT services are disclosed in our fee schedule. You will 
                                              question in writing and we do not receive it within 10 business days, we 
    receive a fee schedule at account opening. You may request a copy of 
                                              may not credit your deposit account.  
    our current fee schedule at any Commerce branch or by contacting 1-
                                               
    800-453-2265. When you use an ATM not owned by us you may be 
                                              For errors involving new accounts, point-of-sale, or foreign-initiated 
    charged a fee by the ATM operator (or any network used) for a 
                                              transactions, we may take up to 90 days to investigate your complaint or 
    transaction or for a balance inquiry even if you do not complete a fund 
                                              question. For new accounts, we may take up to 20 business days to 
    transfer. 
                                              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 
     
                                              our investigation. If we decide that there was no error, we will send you a 
    Terminal Receipts. You will get a receipt at the time you make any 
                                              written explanation. You may ask for copies of documents that we used 
    transfer to or from your deposit account using an ATM or electronic POS 
                                              in our investigation. 
    terminal.  
                                               
                                                  � TOGGLE  FEATURE 
    Preauthorized Credits. If you have arranged to have direct deposits  � Commerce may add toggle  to any Qualified Commerce Visa or 
    made to your deposit account at least once every 60 days from the same 
                                              Mastercard Credit Card Account.  
    person or company, you can call us at 1-800-746-8704 to find out 
                                               
    whether or not the deposit has been made.  
                                              DEMAND DEPOSIT ACCOUNT 
     
                                              You may link up to two (2) demand deposit accounts (each a �DDA�) to 
    Periodic Statement. You will get a monthly deposit statement if you          � Your Qualified Commerce Credit Card Account for the use of the toggle  
    have a deposit account upon which checks or drafts may be drawn. You 
                                              payment feature. 
    will get a monthly deposit statement on your regular savings account if 
                                               
    there are electronic transfers during the month. In any case, you will get 
                                              If You link a Commerce DDA to Your Account, that DDA must be an 
    a regular savings deposit statement quarterly. 
                                              open checking account. You must have an ownership relationship to that 
     
                                              DDA in order to link it to Your credit card Account. Any person using the 
    DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES 
                                              Account and/or related Card(s) with the expressed or implied permission 
    We will disclose information to third parties about your account or the 
                                              of any of the applicants (�Authorized Users�) will have access to the 
    transfers you make:  
                                              linked DDA through the use of Your Account.  
    �  Where it is necessary for completing transfers. Merchants with 
                                               
       whom you�ve shared your account number may be updated with 
                                              Any DDA that has been designated by Commerce as having a 
       new account information to ensure the continuation of your payment 
                                              garnishment, a closed-to-posting restriction, or has been forced to close 
       agreement.  
                                              by Commerce, will not be eligible to link to Your Account for the purpose 
    �  In order to verify the existence and condition of your account for a  � of the toggle  payment feature. Small Business banking accounts will not 
       third party, such as a consumer reporting agency or merchant.        �  be eligible to link to Your Account for the purpose of the toggle payment 
    �  In order to comply with government agency or court orders.   feature.  
    �  If you give us your permission.         
    �  In accordance with our current Privacy Policy Notice.   If You link a non-Commerce DDA to Your Account, You must provide 
                                              Commerce with the account number and the routing information for that 
    RIGHT TO STOP PAYMENT OF PREAUTHORIZED TRANSFERS AND  financial institution. Certain transaction restrictions may apply to such 
    PROCEDURES FOR DOING SO; RIGHT TO RECEIVE NOTICE OF  non-Commerce DDAs. Please refer to such bank�s terms and conditions 
    VARYING AMOUNTS; AND OUR LIABILITY FOR FAILURE TO STOP  of Your DDA for applicable fees, restrictions and/or limitations of Your 
    PAYMENT                                   DDA.  
    If you have told us in advance to make regular payments out of your   
    deposit account, you can stop any of these payments. Here�s how: Call  PAYMENT PREFERENCES 
    us at 1-800-617-7480 or write us at Commerce Bank, PO Box 411036,  �Payment Preferences� means the selection of a category, setting and/or 
    Kansas City, MO 64141-1036 in time for us to receive your request three  amount you choose to determine if a credit card purchase is to be paid 
    business days or more before the payment is scheduled to be made. If  for from your linked DDA or if it is to remain a part of your credit card 
    you call, we may also require you to put your request in writing and get it  balance.  
    to us within 14 days after your call.      
                                              PAY NOW�  
    Notice of Varying Amounts. If these regular payments may vary in  �Pay Now�� means a credit card purchase that will be automatically 
    amount, the person you are going to pay will tell you, 10 days before  paid for from Your DDA according to Your Payment Preferences. Any 
    each payment, when it will be made and how much it will be. You may  purchase made by You or an Authorized User with Your Account, will be 
    choose to get this notice only when the payment would differ by more  paid for from the DDA that has been linked to Your Account, and in 
    than a certain amount from the previous payment, or when the amount  accordance with the Payment Preferences that have been selected by 
    would fall outside certain limits that you set.   the applicants of the Account. 
                                               
    Liability for Failure to Stop Payment of Preauthorized Transfers. If  � When a toggle  credit is posted to your Account, we reserve the right to 
    you order us to stop one of these payments three business days or more     � place a temporary hold on the available credit created by the toggle  
    before the transfer is scheduled, and we do not do so, we will be liable  � credit. toggle  does not, nor is it intended to, shorten the time-frame in 
    for your losses or damages.               which your available credit is replenished after a payment to your 
                                              Account. 
    Our Liability for Failure to Make Transfers. If we do not complete a   
    transfer to or from your deposit account on time or in the correct amount  Purchases may take 1-2 business days to post to Your Account following 
    according to our Agreement with you, we will be liable for your losses or  the date of Purchase. After the Purchase has posted to Your Account, an 
    damages. However, there are some exceptions. We will not be liable, for  ACH may take 1-2 business days to appear as a debit on Your DDA. 
    instance:                                  
    �  If through no fault of ours, you do not have enough money in your  Payments are not applied to the required minimum payment due on Your 
       account to make the transfer.          Statement each month. You will still have a required minimum payment 
    �  If the transfer would go over the credit limit on your overdraft line.   due each month, which will appear on Your Statement and will be 
    �  If the ATM where you are making the transfer does not have  subject to the terms of Your cardholder agreement. 
       enough cash.                            
      6 
     
    PAY LATER�  
                                               
    �Pay Later�� means any Purchase that is made with Your Account that 
    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 
    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  
    electronically through Online Banking, or by contacting us at 1-800-645-
    2103. Your notice must be sent in such time and manner as to afford 
    Commerce Bank a reasonable opportunity to act upon the termination 
    (but in no event less than three business days). Commerce reserves the 
                    � right to decline or cancel toggle  service at any time. 
     
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