Common use of Frequency of Transfers Clause in Contracts

Frequency of Transfers. There are no limitations on the number of transfers that can be made during any time period to or from any deposit account, except as provided by federal regulations limiting preauthorized transfers on savings or money-market accounts. By these regulations, you are limited during any deposit statement cycle to six preauthorized transfers (three of which may be check, draft or similar order if the account is a money-market account). • Point of sale transactions using a PIN to access a savings or money- market account: Counts toward the limit of 3 per Statement cycle. • Point of sale transactions using a PIN to access a checking account: Unlimited. • ATM withdrawals or deposits: Unlimited. Limitation on Dollar Amount of Transfers. The balance available for authorizing PIN purchases and cash withdrawals is the lesser of 1) your available deposit account balance, plus any credit available through an overdraft protection line of credit or through any overdraft authorized by us in our sole discretion, OR 2) daily dollar limitations. For Cash Advances against a Commerce Bank credit card, you may withdraw cash up to the lesser of your available credit line or daily dollar limitations. In addition, daily withdrawal frequency limitations may apply to Cash Advances. Dollar limitations may differ at ATMs other than ours. POINT OF SALE TRANSACTIONS You may use your Card only in the manner and for the purposes authorized by this Agreement. Any person honoring your Card may be required to obtain approval or authorization for any transaction. We may recognize a transaction even if we have not authorized it, but that does not mean we will authorize the same type of transaction again. You do not have the right to stop payment on any point-of-sale debit card transaction originated by use of your Card. If an overdraft in your deposit account results from the use of the Card, you will pay us on demand this negative balance and our then current charge for overdrafts. In addition, if your deposit account is closed before transactions are posted you will pay us on demand the outstanding amount. CHARGES FOR TRANSFERS OR RIGHT TO MAKE TRANSFERS With the following exceptions, there will be no ATM charge for validation of your Card or for any transfer, withdrawal, or balance inquiry or credit card Cash Advance initiated by the use of your Card at Commerce Bank ATMs. We will charge you $1.50 for each transfer, withdrawal, or balance inquiry you make at ATMs other than Commerce’s; however, there will be no ATM charge by us for credit card Cash Advances. If your account is a regular savings account and you make more than three withdrawals or transfers during the deposit statement cycle, we will are electronic transfers during the month. In any case you will get a regular savings deposit statement at least quarterly. ATM/NIGHT DEPOSIT FACILITY USER PRECAUTIONS As with all financial transactions, please exercise discretion. For your own safety when using an ATM or night deposit facility, keep in mind the following suggestions:

Frequency of Transfers. There are no limitations on the number of transfers that can be made during any time period to or from any deposit account, except as provided by federal regulations limiting preauthorized transfers on savings or money-market accounts. By these regulations, you are limited during any deposit statement cycle to six preauthorized transfers (three of which may be check, draft or similar order if the account is a money-market account). • Point of sale transactions using a PIN to access a savings or money- market account: Counts toward the limit of 3 per Statement cycle. • Point of sale transactions using a PIN to access a checking account: Unlimited. • ATM withdrawals or deposits: Unlimited. Limitation on Dollar Amount of Transfers. The balance available for authorizing PIN purchases and cash withdrawals is the lesser of 1) your available deposit account balance, plus any credit available through an overdraft protection line of credit or through any overdraft authorized by us in our sole discretion, OR 2) daily dollar limitations. For Cash Advances against a Commerce Bank credit card, you may withdraw cash up to the lesser of your available credit line or daily dollar limitations. In addition, daily withdrawal frequency limitations may apply to Cash Advances. Dollar limitations may differ at ATMs other than ours. POINT OF SALE TRANSACTIONS You may use your Card only in the manner and for the purposes authorized by this Agreement. Any person honoring your Card may be required to obtain approval or authorization for any transaction. We may recognize a transaction even if we have not authorized it, but that does not mean we will authorize the same type of transaction again. You do not have the right to stop payment on any point-of-sale debit card transaction originated by use of your Card. If an overdraft in your deposit account results from the use of the Card, you will pay us on demand this negative balance and our then current charge for overdrafts. In addition, if your deposit account is closed before transactions are posted you will pay us on demand the outstanding amount. CHARGES FOR TRANSFERS OR RIGHT TO MAKE TRANSFERS With the following exceptions, there will be no ATM charge for validation of your Card or for any transfer, withdrawal, or balance inquiry or credit card Cash Advance initiated by the use of your Card at Commerce Bank ATMs. We will charge you $1.50 for each transfer, withdrawal, or balance inquiry you make at ATMs other than Commerce’s; however, there will be no ATM charge by us for credit card Cash Advances. If your account is a regular savings account and you make more than three withdrawals or transfers during the deposit statement cycle, we will are electronic transfers during the month. In any case you will get a regular savings deposit statement at least quarterly. ATM/NIGHT DEPOSIT FACILITY USER PRECAUTIONS As with all financial transactions, please exercise discretion. For your own safety when using an ATM or night deposit facility, keep in mind the following suggestions:

Frequency of Transfers. There are no limitations on the number of transfers that can be made during any time period to or from any deposit account, except as provided by federal regulations limiting preauthorized transfers on savings or money-market accounts. By these regulations, you are limited during any deposit statement cycle to six preauthorized transfers (three of which may be check, draft or similar order if the account is a money-market account). • Point of sale transactions using a PIN to access a savings or money- market account: Counts toward the limit of 3 per Statement cycle. • Point of sale transactions using a PIN to access a checking account: Unlimited. • ATM withdrawals or deposits: Unlimited. Limitation on Dollar Amount of Transfers. The balance available for authorizing PIN purchases and cash withdrawals is the lesser of 1) your available deposit account balance, plus any credit available through an overdraft protection line of credit or through any overdraft authorized by us in our sole discretion, OR 2) daily dollar limitations. For Cash Advances against a Commerce Bank credit card, you may withdraw cash up to the lesser of your available credit line or daily dollar limitations. In addition, daily withdrawal frequency limitations may apply to Cash Advances. Dollar limitations may differ at ATMs other than ours. POINT OF SALE TRANSACTIONS You may use your Card only in the manner and for the purposes authorized by this Agreement. Any person honoring your Card may be required to obtain approval or authorization for any transaction. We may recognize a transaction even if we have not authorized it, but that does not mean we will authorize the same type of transaction again. You do not have the right to stop payment on any point-of-sale debit card transaction originated by use of your Card. If an overdraft in your deposit account results from the use of the Card, you will pay us on demand this negative balance and our then current charge for overdrafts. In addition, if your deposit account is closed before transactions are posted you will pay us on demand the outstanding amount. CHARGES FOR TRANSFERS OR RIGHT TO MAKE TRANSFERS With the following exceptions, there will be no ATM charge for validation of your Card or for any transfer, withdrawal, or balance inquiry or credit card Cash Advance initiated by the use of your Card at Commerce Bank ATMs. We will charge you $1.50 for each transfer, withdrawal, or balance inquiry you make at ATMs other than Commerce’s; however, there will be no ATM charge by us for credit card Cash Advances. If your account is a regular savings account and you make more than three withdrawals or transfers during the deposit statement cycle, we will charge $1.00 for each withdrawal or transfer over three. FEES CHARGED BY OTHERS are electronic transfers during the month. In any case you will get a regular savings deposit statement at least quarterly. ATM/NIGHT DEPOSIT FACILITY USER PRECAUTIONS As with all financial transactions, please exercise discretion. For your own safety when using an ATM or night deposit facility, keep in mind the following suggestions:

Frequency of Transfers. There are no limitations on the number of transfers that can be made during any time period to or from any deposit account, except as provided by federal regulations limiting preauthorized transfers on savings or money-market accounts. By these regulations, you are limited during any deposit statement cycle to six preauthorized transfers (three of which may be check, draft or similar order if the account is a money-market account). •  Point of sale transactions using a PIN to access a savings or money- money-market account: Counts toward the limit of 3 per Statement cycle. •  Point of sale transactions using a PIN to access a checking account: Unlimited. •  ATM withdrawals or deposits: Unlimited. Limitation on Dollar Amount of Transfers. The balance available for authorizing PIN purchases and cash withdrawals is the lesser of 1) your available deposit account balance, plus any credit available through an overdraft protection line of credit or through any overdraft authorized by us in our sole discretion, OR 2) daily dollar limitations. For Cash Advances against a Commerce Bank credit card, you may withdraw cash up to the lesser of your available credit line or daily dollar limitations. In addition, daily withdrawal frequency limitations may apply to Cash Advances. Dollar limitations may differ at ATMs other than ours. POINT OF SALE TRANSACTIONS You may use your Card only in the manner and for the purposes authorized by this Agreement. Any person honoring your Card may be required to obtain approval or authorization for any transaction. We may recognize a transaction even if we have not authorized it, but that does not mean we will authorize the same type of transaction again. You do not have the right to stop payment on any point-of-sale debit card transaction originated by use of your Card. If an overdraft in your deposit account results from the use of the Card, you will pay us on demand this negative balance and our then current charge for overdrafts. In addition, if your deposit account is closed before transactions are posted you will pay us on demand the outstanding amount. CHARGES FOR TRANSFERS OR RIGHT TO MAKE TRANSFERS With the following exceptions, there will be no ATM charge for validation of your Card or for any transfer, withdrawal, or balance inquiry or credit card Cash Advance initiated by the use of your Card at Commerce Bank ATMs. We will charge you $1.50 2.00 for each transfer, withdrawal, or balance inquiry you make at ATMs other than Commerce’s; however, there will be no ATM charge by us for credit card Cash Advances. If your account is a regular savings account and you make more than three withdrawals or transfers during the deposit statement cycle, we will are electronic transfers during the month. In any case you will get a regular savings deposit statement at least quarterly. ATM/NIGHT DEPOSIT FACILITY USER PRECAUTIONS As with all financial transactions, please exercise discretion. For your own safety when using an ATM or night deposit facility, keep in mind the following suggestions:or

Frequency of Transfers. There are no limitations on the number of transfers that can be made during any time period to or from any deposit account, except as provided by federal regulations limiting preauthorized transfers on savings or money-market accounts. By these regulations, you are limited during any deposit statement cycle to six preauthorized transfers (three of which may be check, draft or similar order if the account is a money-money- market account). • Point of sale transactions using a PIN to access a savings or money- money-market account: Counts toward the limit of 3 per Statement statement cycle. • Point of sale transactions using a PIN to access a checking account: Unlimited. • ATM withdrawals or deposits: Unlimited. Limitation on Dollar Amount of Transfers. The balance available for authorizing PIN purchases and cash withdrawals is the lesser of 1) your available deposit account balance, plus any credit available through an overdraft protection line of credit or through any overdraft authorized by us in our sole discretion, OR 2) daily dollar limitations. For Cash Advances against a Commerce Bank credit card, you may withdraw cash up to the lesser of your available credit line or daily dollar limitations. In addition, daily withdrawal frequency limitations may apply to Cash Advances. Dollar limitations may differ at ATMs other than ours. POINT OF SALE TRANSACTIONS You may use your Card only in the manner and for the purposes authorized by this Agreement. Any person honoring your Card may be required to obtain approval or authorization for any transaction. We may recognize a transaction even if we have not authorized it, but that does not mean we will authorize the same type of transaction again. You do not have the right to stop payment on any point-of-sale debit card transaction originated by use of your Card. If an overdraft in your deposit account results from the use of the Card, you will pay us on demand this negative balance and our then current charge for overdrafts. In addition, if your deposit account is closed before transactions are posted you will pay us on demand the outstanding amount. CHARGES FOR TRANSFERS OR RIGHT TO MAKE TRANSFERS With the following exceptions, there will be no ATM charge for validation of your Card or for any transfer, withdrawal, or balance inquiry or credit card Cash Advance initiated by the use of your Card at Commerce Bank ATMs. We will charge you $1.50 for each transfer, withdrawal, or balance inquiry you make at ATMs other than Commerce’s; however, there will be no ATM charge by us for credit card Cash Advances. If your account is a regular savings account and you make more than three withdrawals or transfers during the deposit statement cycle, we will are electronic transfers during the monthcharge $1.00 for each withdrawal or transfer over three. In any case FEES CHARGED BY OTHERS When you will get a regular savings deposit statement at least quarterly. ATM/NIGHT DEPOSIT FACILITY USER PRECAUTIONS As with all financial transactions, please exercise discretion. For your own safety when using use an ATM not owned by us you may be charged a fee by the ATM operator (or night deposit facility, keep in mind the following suggestions:any network used) and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer.