In ThIs Issue ...• M e e t K a n i s s a W i l l i a m s P. 2 • P a y m e n t A c c e p t a n c e S o l u t i o n s P. 2• A / P D r i v e s G r o w t h i n H e a l t h C a r e P. 3 • W h a t ’s N e w a t C o m m e r c e B a n k . c o m ? P. 4

The 2009 Nilson Report ranked Commerce Bank in the following categories.*

9th in Purchasing Cards

13th in Corporate Cards

20th in Commercial Cards

*The Nilson Report ranks the largest issuers of all types of Visa and MasterCard commercial cards in the categories of Purchasing, Fleet, Corporate (T&E), Small Business and Prepaid Commercial cards.

Source: The Nilson Report, June 2009, Issue 928

Clients Offer Feedback at Commercial Card Forum Our commitment to customer support is a big reason our programs continue to grow. We encourage our clients to share their thoughts with us and with each other.

Last month, a group of over 50 gathered at Commerce headquarters in Kansas City to celebrate the success of their programs and offer ideas for improvement. The forum featured detailed presentations by three clients, and roundtable discussions covered such topics as vendor management, best practices and growth and expansion opportunities.

If you are interested in participating in a future client forum or if you wish to share any feedback on your program, please contact your Relationship Manager or call the Commercial Card Client Care team at 1-800-892-7104.

Commerce Bank has once again been ranked prominently among Commercial Card issuers in the United States.

According to The Nilson Report, Commerce Bank is the ninth-largest Purchasing Card issuer, with annual volume of just over $1 billion, an increase of over 50% from last year.

The 2009 report ranked Commerce Bank 13th in Corporate Card issuance, up four spots from 17th last year.

Commerce Bank also leaped four spots in the Commercial Card category and is now 20th overall in Visa® and MasterCard® Commercial Card issuance.

While Commerce Bank continues to follow an aggressive growth strategy, we are commited to maintaining the highest level of service and support to all of our customers. With 120 dedicated Commercial Card employees, we will continue to prove that Commerce Bank is the right choice for your card program.

Commerce Bank Commercial Cards Maintain High National Ranking

FALL 2009

An Exclusive Publication for Commerce Bank Commercial Cardholders

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Managing customer relationships is key for any business, and it’s nothing that Commerce Bank takes lightly either. Kanissa Williams does her part behind the scenes.

As a Systems Specialist, Kanissa focuses on data management. Right now, her entire workload is centered around SalesForce.com, a customer relationship management software program that allows users to learn more about customers and their behaviors. It’s a valuable tool that helps the Commercial Card team analyze business data before the sale and far beyond it.

So, while she isn’t working directly with Commerce clients, Kanissa deals closely with those who are.

“I provide training on SalesForce.com and maintain user roles, security profiles and documentation,” Williams says. “The most important part of my job is working with management and sales reps to provide user support.”

Kanissa’s dedication to her job is evident, as she was rewarded internally with a Commitment to Excellence award in 2007.

Commerce Bank is not only a leader in Commercial Card issuance, but we have also been providing payment acceptance options for more than 40 years. And, just like our Commercial Card clients, our Merchant customers enjoy dedicated support, with Relationship Management, Customer Service and Technical Support teams that are solely responsible for serving their line of business.

Commerce Bank has been helping merchants achieve their business objectives since 1968. With more than 10,000 merchant clients and annual processing volume in excess of $5 billion, Commerce is one of the top processing banks in the country. We distinguish ourselves by tailoring a customized solution for each client to help achieve key business objectives, such as improving cash flow, reducing operating costs and minimizing exposure to risk and fraud. Our commitment to service shows in our low attrition rate, which is half the industry average.

In addition to credit and debit card acceptance, Commerce Bank also offers electronic check processing, gift card programs, wireless mobile solutions, e-commerce solutions and more.

Robust reporting options are available through a secure Internet-based management tool, and systems specialists help make sure merchants are in full compliance with the ever-changing regulatory landscape.

Commerce Bank strives to design a payment processing solution as individual as each client, and we have the experience and industry knowledge to provide the highest level of support.

Please visit www.commercebank.com/commercial/merchant-services for more information, or call our Merchant TeleSales line at 816-234-7210.

Getting to Know Commerce BankKanissa Williams - systems speCialist

Offering Solutions in Payment Acceptance

Kanissa Williams has worked at Commerce Bank since 2006, focusing primarily on data management and sales reporting.

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St. Elizabeth Medical Center had heard many times from banks hoping to provide purchasing cards for its managers and directors. But the hospital wasn’t interested in a typical P-card program.

“That’s not what we’re about,” explains Steve Wagner, director of accounting for the three-hospital system. “We want to maintain control of our expenses and invoice processing.”

When Commerce Bank called, however, the conversation was different.

Understanding the hospital’s accounting needs, Commerce suggested not a purchasing card but an automated accounts payable program that would mirror St. Elizabeth’s existing invoice process. Instead of cutting checks, the hospital would pay participating vendors electronically, receiving revenue share in return.

“We liked what we heard, but it seemed too good to be true,” Wagner recalls. So he called other Commerce customers who are using similar automated programs. “They had nothing but good things to say about Commerce.”

With St. Elizabeth’s blessing, Commerce Bank Vendor Enrollers began signing up vendors for the program. By accepting electronic payments, these hospital clients would benefit from faster guaranteed payments along with reduced A/R collection costs. Within months of the program’s implementation, the amount of spend St. Elizabeth was capturing resulted in thousands of dollars in monthly revenue share for the hospital.

And that dollar amount is expected to grow. In late 2008, St. Elizabeth merged with St. Luke’s Hospital, creating the largest hospital system in northern Kentucky. “Our program has been a success,” says April Snedegar, Controller at St. Elizabeth. “But we’ve only scratched the surface.”

For more information on how Commerce Bank’s automated accounts payable solutions can pay you as you pay others, please contact the Commerce Bank Client Care Center at 1-800-892-7104.

Commerce Bank has used its Accounts Payable Solutions as a way to penetrate several key markets, including health care. Among the many benefits of an automated A/P program:

No cost to implement•Monthly revenue share•Works with existing •accounting systemsCommerce enrolls client’s •vendors

A/P Benefits

Director of Accounting Steve Wagner (far left) and Controller April Snedegar (second from left) worked with the Commerce Bank Commercial Card team to create a revenue stream through its Accounting department.

Commercial Cards Department Expands Health Care Presenceautomated a/p sets CommerCe apart

“Commerce assured us that setting up the new automated accounts payable program would require much more work on their end than on ours. And that was absolutely the case.”

-Steve Wagner

Director of Accounting

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: 811 Main Street, Kansas City, MO 64105

Want to know more about the products and services that can help grow your program? We’re continuing to update our website to offer more resources that help clients and prospects.

View our new ControlPay• ® Advanced e-brochure Visit www.commercebank.com/ControlPayAdvanced to watch a short presentation on ControlPay Advanced and learn more about the benefits of replacing your paper checks with electronic Visa® payments.

Find previous issues of our Commercial Card newsletter• Read past articles, bios and more by visiting our newsletter archive at www.commercebank.com/commercial/card-products/newsletter. Visit CommerceBank.com for our latest

news, resources and updates.

What’s new at CommerceBank.com?P.O. Box 411036Kansas City, MO 64179-9638