Kansas City, MO 64141-1036

Retail Lending and Payment Systems - KCBC-1P.O. Box 411036

When planning for employee incentives, holiday gifts or customer appreciation gifts, don’t limit yourself to the traditional items; enhance your giving with a Commerce Bank Visa® Gift Card.

Attractive designChoose from multiple card designs and sentiment choices that fit your occasion.

Easy ordering processGift cards can be ordered from and delivered to your office. Your order will arrive five to seven days after payment is received, and rush orders are available for an additional fee. All cards are delivered de-activated for ultimate safety – an activation code will be provided. You may order cards in any whole-dollar amounts from $25 - $1,0001.

Convenient for everyoneOur gift cards are accepted at millions of locations, anywhere Visa® debit cards are accepted within the United States. You can check your available balance online or over the phone anytime. If your card is lost or stolen, the unspent amount may be replaced2.

Learn moreVisit the Corporate & Bulk Order section of our Web site at www.commercebank.com/giftcards. When you are ready to place your order, use our Bulk Order Form by clicking on the “Order Gift Cards” link. If you have questions, please contact our Gift Card Team at giftcard@commercebank.com or at 1-866-946-3017.

1Certain restrictions apply. 2Cardholder must register card. Replacement fee may apply.

Commerce Bank Visa® Gift Cards

The Perfect Way to Say ‘Thank You’

a Year-round bonuses

a HolidaY gifts

a emploYee appreCiation

a Customer appreCiation

a serviCe anniversaries

a retirements

Give Commerce Bank Visa® Gift Cards anytime for:

Commerce Bank Visa® Gift Cards are great for bonuses, holiday gifts and much more!

WINTER 2009

An Exclusive Publication for Commerce Bank Commercial Card Clients

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You Have Questions; We Have Answers The CommerCial Card ClienT Care Team is here To handle all of The QuesTions Cardholders or Program adminisTraTors may have

Managing your Commercial Card account is quick and easy when you call the Commercial Card Client Care Center. Our representatives are trained professionals, with an average tenure of five years on the team. They are equipped with the knowledge to answer all of your questions. Below are some common ones.

Q. My everyday duties stretch far beyond the management of our Commercial Card program, and the last thing I want to worry about is missing a payment. Is there a way I can set up automatic payments so I know we’ll always be on time?

A. Yes, we have many current customers who are set up for Auto Pay, which authorizes an ACH transaction on the scheduled payment date. Your program administrator can arrange such payments by calling the Client Care Center.

Q. Because of our large sales force, we seem to be inundated with statements for our various accounts each month. Is there an easier way for us to get our account information?

A. Yes, the Commercial Card department offers electronic bill presentment free of charge if you agree to discontinue your paper statements. So, in addition to making it easier to access your information, you’re also helping Commerce Bank’s green initiative to cut down on the amount of paper that we use. For more information on online account access and electronic bill presentment, please contact the Client Care Center.

Q. I recently made a payment to our account, but one of our cardholders is still getting declined due to lack of available credit. Why didn’t the payment apply?

A. If your account is set up for corporate billing, payments made prior to the account cycle date will affect only the corporate account balance and not individual credit availability. After the cycle date, individual balances reset to zero and their previous balances appear at the corporate account level. As a temporary solution for those cardholders who have reached their limits prior to the cycle date, the client may request a temporary increase of individual credit limits, provided there is available credit at the overall corporate account level. Your program administrator can make such a request by calling the Client Care Center.

Q. What’s the most convenient way to make requests and/or changes to my company’s account?

A. There are several easy methods from which to choose. Program administrators may send their requests via email to commercial.cards@commercebank.com or by fax at 816-760-7935. A represenative will respond to your written request within two business days. For immediate assistance, you can call our Client Care Center at 1-800-892-7104.

The Commercial Card Client Care Team can also help you deal with possible disputed charges. In the event your dispute can’t be resolved directly with the merchant, we follow procedures in accordance with Visa® and MasterCard®.

Notify Commerce Bank within 60 days after the first 1. statement on which the error occurred is sent.Provide as many details as possible regarding the item on 2. your statement that is in error.Include your account number, transaction date, merchant 3. name and the amount in dispute. Provide your daytime phone number, email address and 4. fax number.Indicate the reason for the dispute, i.e. duplicate charge, 5. unauthorized card use.

Commerce Bank typically applies a provisional credit on your account while the merchant has an opportunity to support the charge. Your response to the merchant’s rebuttal will be needed immediately in order for Commerce Bank to respond within the 45-day timeframe allowed by the card associations.

For more information on handling disputes, please call the Client Care Center at 1-800-892-7104.

Resolving Disputes

Register now for the 2010 NAPCP 11th Annual Purchasing Card Conference. This year’s event is being held in Orlando, Florida, offering many great opportunities to learn about the latest trends and solutions in the industry. P-Card product and technology providers and end-users will be on hand to present their ideas to help manage, grow and improve payment strategies.

Please visit www.napcp.org for more details or to register online. To help you obtain management approval to attend the conference, the NAPCP offers a proposal template on the conference home page that you can customize to fit your needs. Demonstrate to management how conference content aligns with your organization’s initiatives and goals, and how an infusion of new ideas can help get you there.

We hope to see you in Orlando in April!

Join Us at the NAPCP 2010 11th Annual ConferenceApril 18 - 21, 2010 • OrlAndO, FlOridAlOews rOyAl pAciFic HOtel At UniversAl OrlAndO®

Commerce Sponsors NAPCP Regional ForumA group of approximately 50 Commercial Card professionals gathered in St. Louis on August 21 for a regional forum sponsored by Commerce Bank.

The NAPCP event was hosted by Sigma-Aldrich, a longtime Commerce Bank Commercial Card client. Representatives from the company presented their success story, detailing the benefits of the automated accounts payable program. As one of our most successful A/P clients, Sigma-Aldrich serves as a great example of what a Commerce Bank A/P solution can provide for Commercial Card customers.

The event also featured an industry update from NAPCP’s Managing Director, Laura Flandrick, who outlined some of the latest studies and market trends. Roundtable discussions later covered such topics as best practices, vendor management and program growth and controls.

NAPCP Regional Forums are one-day events offered several times each year. If you are interested in attending one of these events, please contact your Relationship Manager. You can also subscribe to NAPCP announcements at www.napcp.org.

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Commerce Bank is a Gold Partner Sponsor of the National Association of Purchasing Card Professionals. For more information, please visit www.napcp.org.

GOLDPARTNER SPONSOR

The Commercial Card Client Care Team can also help you deal with possible disputed charges. In the event your dispute can’t be resolved directly with the merchant, we follow procedures in accordance with Visa® and MasterCard®.

Notify Commerce Bank within 60 days after the first 1. statement on which the error occurred is sent.Provide as many details as possible regarding the item on 2. your statement that is in error.Include your account number, transaction date, merchant 3. name and the amount in dispute. Provide your daytime phone number, email address and 4. fax number.Indicate the reason for the dispute, i.e. duplicate charge, 5. unauthorized card use.

Commerce Bank typically applies a provisional credit on your account while the merchant has an opportunity to support the charge. Your response to the merchant’s rebuttal will be needed immediately in order for Commerce Bank to respond within the 45-day timeframe allowed by the card associations.

For more information on handling disputes, please call the Client Care Center at 1-800-892-7104.

Resolving Disputes

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 CenterWe 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: 811 Main Street, Kansas City, MO 64105

Kansas City, MO 64141-1036

Retail Lending and Payment Systems - KCBC-1P.O. Box 411036

Season’s GreetingsWe would like to sincerely express our appreciation for your business and wish you and your families a joyful holiday season and a prosperous new year.

Happy Holidays from Commerce Bank!