Kansas City Royals™ Mastercard

Disclosures:

1. A Cash Back redemption is applied as a statement credit. The statement credit will reduce your balance, but you are still required to make at least your minimum payment. Values for non-cash back redemption items such as merchandise, gift cards and travel may vary.

2. We may end your Introductory APR and apply the Penalty APR if you fail to make the required minimum monthly payment within 60 days of the respective payment due date.

3. Your standard APR will be determined based on your creditworthiness at Account opening and will be disclosed in your Account Opening Disclosure with your new credit card approximately 7 - 10 business days after Account approval. This APR will vary with the market based on the Prime Rate. The Prime Rate used to determine the APR on your Account is the U.S. Prime Rate published in The Wall Street Journal in its column called "Money Rates" on the last business day of each month.

4. "Purchases" refers to “Net Merchandise Purchases” meaning purchases of merchandise or services on the Account, less any returned merchandise credits or service credits posted to the Account. Net Merchandise Purchases does not include Cash Advances, Balance Transfers or transactions using Convenience Checks or any associated fees. Other exclusions apply.

5. Please note that merchants self-select the category in which transactions will be listed and some merchants may be owned by other companies, therefore transactions may not be counted in the category you might expect. Purchases made using Near Field Communication (NFC), virtual wallets, or similar technology may not be eligible for bonus points. Offer cannot be combined with other promotional offers or World Elite MasterCard^® points earned for travel and restaurants. See Rewards Terms & Conditions for full program details.

6. Customer must notify Commerce Bank within 60 days of receiving statement with unauthorized account activity.

7. Royals™ Items Terms and Conditions
   
   Royals™ Items listed are for 2019.
   
   For any points redeemed for merchandise, game tickets, parking passes, game programs, gift cards or any other items from any of the Royals™ Items such items will be delivered by standard shipping methods and may not be shipped to a post office box address. Shipments to addresses outside the continental United States of America will require the payment by you of additional postage and/or handling. Please allow 4-6 weeks for delivery once your complete and legible order is received (special mailing or other arrangements will be made for game tickets or parking passes for which regular mailing times, as determined by Commerce, would not be feasible). Addresses on orders must contain complete cardholder name, street address, apartment or suite number, city, state, correct zip code, account number and cardholder signature. If no address is provided at the time of point redemption, the merchandise or other items will be shipped to the address to which credit card statements are sent.
   
   For any points redeemed for a Royals™ Item that includes tickets for attendance at a Royals™ regular season home game, should such game be rained-out, weather postponed or is not played for any reason, Commerce and the Royals™ will attempt to re-schedule the award to another date but, in the event such re-scheduling is not feasible or cannot be accomplished, Commerce will credit points used for the award to the Royals™ Rewards Program Account. Once issued as a Royals™ Item reward, such tickets are considered fully redeemed and no refund, exchange or substitution for such game tickets will be made by Commerce nor will redeemed points used to acquire such game tickets be credited to your account. Neither the Royals™ nor Commerce are responsible for any lodging, air fare, travel costs or expenses of whatever nature incurred in order to attend a Royals™ regular season home game that is rained-out, weather postponed or is not played for any reason nor for any such costs or expenses for attending a make-up or re-scheduled game.
   
   Neither Commerce nor Royals™ their respective employees, officers, affiliates or agents assume any responsibility for, and will not be held liable for any loss, injury, death or damage to any person or property, as a result of Royals™ Item reward, or in transit to or from said any such reward or any cause whatsoever due to accidents, delays, cancellation due to nature, mechanical breakdown, strikes, acts of God, inconvenience, or irregularity which you may suffer by reason of a Royals™ Item reward. Neither Commerce nor Royals™, their respective employees, officers, affiliates or agents assume any responsibility for any promises or claims, written or verbal, made by anyone other than those made in these Royals™ Items Terms and Conditions.
   
   Commerce and Royals™ reserve the right to substitute Royals™ Items described in this program with other comparable Items of equal or greater value. Royals™ Items described or pictured herein may not necessarily be the exact color or have the same features (for example, autographs) due to production variations or manufacturer changes or upgrades and, in any event, all Royals™ Items are subject to availability.
   
   All trademarks, service marks and trade names used in the Commerce Bank Royals™ Rewards Program are with permission of the respective owners. The names "Kansas City Royals™", "Royals™", "Kauffman Stadium" and "The K" alone and in combination with the Commerce Bank Royals™ Rewards Program design, are property of Kansas City Royals™ Baseball Corporation and the names "Commerce" and "Commerce Bank" are the property of Commerce Bank. No use of these may be made without the prior written authorization of the Kansas City Royals™ Baseball Corporation and Commerce Bank. All other product and company names mentioned herein may be trademarks of their respective owners.

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