¹ If during an introductory or promotional rate period, we have not received the required minimum monthly payment by the respective due date two times in any 12 month period (non-consecutive), we may immediately terminate the introductory or promotional rate and your standard daily Periodic Rates and corresponding APRs for the transaction type will apply. If during an introductory or promotional rate period, we have not received the required minimum monthly payment by the respective due dates for two consecutive months, the LATE PAYMENT RATE will apply.

² The APR is determined by consideration of your credit history and the application information you provided. The APR will be disclosed to you with the Cardholder Agreement you will receive with your new credit card, approximately 7 - 10 business days after account approval.

³ If at any time we have not received the required minimum monthly payment by the respective due dates for two consecutive months, we may immediately increase the applicable APR, including any introductory rate or promotional rate, to a fixed rate of 25.99%. The account may be eligible for the lower APR after you have met the terms of your Account Agreement for five consecutive billing cycles after the monthly statement on which the higher APR first appears. Promotional and/or introductory rates will not be reinstated.

⁴ The Prime Rate used to determine the APR on your Account is the rate published in The Wall Street Journal in its column called ”Money Rates” on the last business day of each month; provided, however, that the Prime Rate will be subject to a minimum Rate of 6%. There is no ceiling on the applicable APR.

We will allocate your payments in the manner we determine. We will apply payments first to Finance Charges and Other Fees and Charges. In most instances, we will then allocate your payments to balances with lower APRs before balances with higher APRs. This will result in balances with lower APRs (such as balances with introductory or promotional APRs) being paid before balances with higher APRs.

The Cardholder Agreement sets forth all Account terms and will be sent with your card. Provided the Account is meeting the terms of the Cardholder Agreement: (1) We will not increase an introductory APR during any introductory rate period; and (2) We will not increase any APR for 18 months following account opening, except for increases due to the expiration of an introductory or promotional rate period, if any, and changes in the Prime Rate as described above. Otherwise, we may change the terms of the Agreement at any time and new terms will affect all outstanding balances to the extent allowed by law.

The information about card costs described herein is accurate as of March 31, 2008. This information may change after this date. To receive the most current information, call us at (800) 645-2103.

Commerce Bank may share your Account experience and transaction information with its affiliates. Unless you call (800) 543-4845, you agree that Commerce Bank and its affiliates may also share other information about your Account.

BALANCE TRANSFER
^†The Balance Transfer must be from an existing credit card with another institution. You understand to close an account with another credit card company, you must notify the issuer directly. The Balance Transfer will be posted to your Account as disclosed in your Account Agreement. The Balance Transfer Fee is 3% of the Balance Transfer amount with a minimum of $5.00 and a maximum of $75.00, for each Balance Transfer posted to your Account. Commerce Bank requires a minimum monthly payment which will be the greater of $15, or the full amount of your balance if it is less than $15; or 3% of your new balance plus any amounts that are past due; or 1% of your new balance plus any amounts that are past due, plus Fees and Finance Charges accumulated during the billing period; or any amount that exceeds your revolving line. To assure your non-Commerce Bank accounts remain in good standing, please continue to pay that account as required. Upon approval, we will notify you regarding the Balance Transfer check(s) mailed on your behalf. It can take up to 30 days for a BalanceTtransfer to completely post on the other account.

APPLICATION AUTHORIZATION
By making this application, you authorize Commerce Bank to make whatever credit inquires that we deem necessary in connection with this credit application or in the course of review or collection of any credit extended in relation to this application. You authorize and instruct any person or consumer reporting agency to complete and furnish you any information they may have or obtain in response to such credit inquiries and agree that such information, along with this application, shall remain our property whether or not credit is extended. You have answered the questions completely and correctly. You certify that you are 18 years of age or older. You agree to pay all charges on the requested Visa Account when due. For joint credit accounts, you are responsible both together and individually for the entire credit Account balance.

State Law Disclosures
Notice to California Residents: Married applicants may apply for credit separately.
Notice to Ohio Residents: Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Notice to New York Residents: One or more consumer reports may be requested in connection with your application. Upon your request, we will inform you whether or not one or more consumer reports were requested, and if such a report was requested, we will inform you of the name and address of each consumer reporting agency that furnished a report.
Notice to Married Wisconsin Residents: No provision of a marital property agreement, unilateral statement or court order applying to marital property will adversely affect the creditor's interest unless the creditor, prior to the time credit is extended, is furnished with a copy of the agreement, statement or order, or has actual knowledge of the adverse provision. Upon applying, the applicant must submit the name and address of their spouse to Commerce Bank at 3930 South 147th Street, Omaha, NE 68144-5566 or by calling 1-800-645-2103.