ControlPay® Advanced is Commerce Bank’s one-stop solution for your purchasing needs. Its automated accounts payable system allows you to replace paper checks with electronic payment through the Visa or MasterCard network. You can reduce payment costs, minimize risk and maximized float time.

With ControlPay Advanced, you can manage your programs through modules that can be customized according to your business needs. A fully automated A/P option is available through Commerce Bank’s PayMe processing model. This option introduces our customers to the future of A/P technology. PayMe, available exclusively to Commerce Bank Commercial Card clients, automatically pushes approved invoice payments directly into the supplier’s account.

Push Payment with PayMe – So Much More than ACHWith typical ACH programs, little detail is provided with the payment. This can make reconciliation very tedious. With PayMe, the invoice information is available right along with the payment notifications. It also offers customizable reporting options to assist with back-end analysis.

Vendor Enrollment: We Do the Legwork Commerce Bank Vendor Enrollers work on your behalf to make the process easy for your vendors. They work with you to determine which vendors would be a good fit for the PayMe program. Our enrollers are available to contact your vendors to encourage participation and sign them up for the program, so you don’t have to.

Your vendor list will be reviewed with you periodically to help identify new vendor relationships that would benefit from using PayMe. As vendor enrollment grows, so does your revenue share. Plus, you will reduce check-writing costs and risk.

(Continued on p.3)

Experience Enhanced A/P Processing with Commerce Bank’s ControlPay® Advanced

In ThIs Issue ...• N e w N a m e , S a m e G r e a t S e r v i c e p . 2 • K e e p u p w i t h C o m m e r c e p . 2• M e e t T i m K o z e n y p . 3 • C o m m i t t e d t o S e r v i c e p . 4

SPRING 2009

An Exclusive Publication for Commerce Bank Commercial Card Clients

Don’t Forget ...annUal Credit reVieWSAs a friendly reminder, if you have not already, please send in your current fiscal year-end financial statements and interim balance sheet and income statement for the annual review of your commercial card account. As a part of your Commercial Card Agreement, we are required to collect this information every year.

Thank you for your cooperation!

Based on feedback from our customers, we’ve redesigned our website to make your experience easier, faster and more convenient!

Find what you’re looking for more easily with improved •navigationLearn more with in-depth information on Commercial •Card products

Check it out for yourself at commercebank.com/commercial/ card-products.

Be sure to also visit commercebank.com/about to access the latest information on Commerce Bank, including:

Annual Reports•Stock information•Current news releases•

Keep up with Commerce Bank

New Name, New Design, Same Great ServiceAs you’ve surely already noticed, your Commerce Bank Commercial Card

newsletter has a fresh and exciting look for 2009.

Now known as the Commercial Card Connection, our new layout and artwork have been designed to better illustrate our commitment to

advanced payments technology, while still providing our clients with helpful industry insight and information.

You can continue to look forward to coverage of industry trends as well as product spotlights, such as ControlPay® Advanced. We will also introduce you to

valued Commercial Card employees who are dedicated to helping clients set up and grow their programs.

If there is a specific topic that you’d like to see covered in an upcoming

issue of the Commercial Card Connection, feel free to contact the Commercial Card Client Care Center at 800-892-7104.

T H E T O PP E R F O R M E R S150

by PAUL SWEENEY

2008 BANK PERFORMANCE SCORECARDHighlighting America’s Best Banks

2 0 0 8 A N N U A L R E P O R T A N D F O R M 10 - K

A Strong Partner in Challenging Times

commercebank.com/soundness

Here today. Here tomorrow.

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Tim joined Commerce Bank in 2006 as an Implementation Specialist. He was responsible for the initial set-up of Commercial Card accounts, including cardholder training, permissions and software integration. In 2008, Tim transitioned to a Relationship Manager position, allowing him to work with clients throughout the life of their programs.

As a Relationship Manager, Tim acts as the primary point of contact for his clients. He offers recommendations for program design based on industry insight and best practices, looking for ways to drive growth, retention and profitability of A/P and Purchasing Card programs.

Q: What do you feel is the most important part of your job?A: Helping clients grow their program and increase revenue share by uncovering new avenues to pay vendors utilizing our payment systems.

Q: What do you enjoy most about your job?A: Working with all of the different businesses. I have the opportunity to work with many types of organizations and enjoy getting to know their systems and how our products can work together.

Q: What is one of your greatest accomplishments?A: I was able to get one of our clients up and running so quickly that the spend it captured in the first week of the A/P program resulted in over $22,000 in revenue share.

Getting to Know Commerce BankTIM KOZENY - RELATIONSHIP MANAGER

Your Implementation and Support TeamBecause the program works smoothly with existing accounting systems, it’s easy for your A/P department to make the transition to PayMe. Commerce Bank provides a dedicated support team to assist with implementation.

We will help you manage and grow your program and keep you informed of recent advances in technology. You’ll also find experienced systems technology professionals and a dedicated help desk to assist with your day-to-day responsibilities.

Call the Commercial Card Client Care Center to learn how ControlPay Advanced can help pay you as you pay others.

ControlPay® Advanced (continued from p.1)

——————————PayMe’s Win-Win Scenario———————————Client Benefits

Reduced checkwriting costs•Increased revenue share•Minimized risk•Vendor enrollers do the •legwork

Vendor BenefitsIncreased cash flow•Guaranteed funds•Reduced A/R collection costs•No credit check or credit •limit required

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This publication does not constitute legal, accounting or other professional advice. Although it is intended to be accurate, neither the publisher nor any other party assumes liability for loss or damage due to reliance on this material. Some images appear from © iStockphoto. © 2009 Commerce Bank, N.A. - Kansas City, MO

CommerCial Card Client Care Center

We offer personalized service through our in-house Customer Service department Monday - Friday, 7 a.m. to 6 p.m.

Phone: 1-800-892-7104 Fax: 816-760-7935Email: commercial.cards@commercebank.comPhysical Location: 825 Main Street, Kansas City, MO 64105

As part of our ongoing commitment to providing clients with the best service possible, Commerce Bank’s Commercial Card Client Care Center is now open on several federal holidays.

Martin Luther King Jr. Day • (3rd Monday in January)Presidents’ Day • (3rd Monday in February)Columbus Day • (2nd Monday in October)Veterans’ Day • (November 11th)

Please see below for full Commercial Card Client Care Center hours and contact information. We’re here to assist you with all of your commercial card needs.

Committed to Service ExcellenceRetail Lending and Payment Systems - KCBC-1

P.O. Box 411036Kansas City, MO 64141-1036