www.Commercebank.com

www.commercebank.com

Commerce Bank is a regional bank with more than $17 billion in assets and more than 390 offices in Kansas, Missouri, Illinois, Colorado & Oklahoma.

In 1995 we became one of the first banks in the U.S. to provide university ID Card banking.  Our campus banking innovations continued in 1998 when we became an early leader in financial aid refund disbursement using the University ID Card. Our Ucard Refund process provides safe and convenient refunds to students and our on-campus branches provide the “in-person” personal service students prefer.

Our products include Student Checking, Student Credit Cards, Student Loans, Student Auto Loans and of course University Card Banking.  Students also enjoy benefits such as on-campus ATMs, free online account access and free bill pay with all student checking products. Mobile banking access and account alerts are available to all customers and we are one of only a handful of banks where a customer can obtain their Visa Check Card instantly when they open an account.

Commerce provides community services that include financial education and money management education to students and their parents.  Our high school outreach programs help students and their parents develop plans for paying for college.  Our Banking 101 presentations help students manage their money and our web learning center (www.CommerceBank.com/learn) helps students and parents learn about money management online.  At Commerce, we work to provide students with the tools they need to achieve financial independence.

In addition to student banking Commerce also provides additional services to universities.  These include Benefits Banking packages for faculty and staff, Treasury Services, Capital Markets Services and many others.

For more than 143 years, Commerce has been meeting the financial services needs of individuals and businesses throughout the Midwest region.  Commerce provides a diversified line of financial services, including business and personal banking, wealth management and estate planning, and investments through its affiliated companies.  Visit www.CommerceBank.com to learn more.

Exclusively Yours

The exclusive KBA Visa^® Gold Card from Commerce Bank offers the outstanding benefits and high level of service we know you’ve come to expect.With the KBA Visa Gold Card, you get a card that not only sets you apart from the crowd, but one that also provides uncompromising convenience and value. The optional Commerce Miles benefit can also help you quickly earn rewards for free travel or cash back. Plus, every time you make a purchase with your KBA Visa, you help support KBA member programs and services. Please visit : commercebank.com

Be a part of the privileged group that carries the card of distinction — the KBA Visa Gold Card from Commerce Bank — because you’ve earned it. commercebank.com

ntroductory 1.9% APR for 6 months on purchases, balance transfers and cash advances, then a competitive variable rate.

Your KBA Visa Gold Card offers outstanding benefits you won’t find in ordinary cards:

• Competitive Variable APR
• Great new Travel or Cash Back Reward program:
  • Fly any airline, anywhere, any time
  • No seat restrictions, no advanced booking, no Saturday stay*
  • Earn points faster with 1 point for net purchases and 3 points for interest accrued
  • Redeem for a ticket with as few as 12,000 points
  • Points don’t expire for 5 years, yearly point cap increased to 120,000
  • Redeem for dollars off airline tickets, cash back or to pay annual fee
• No Annual Fee**
• Generous Credit Line
• 25-Day Grace Period on Purchases
• Convenient Balance Transfer

Gold Card AutoPay

• $300,000 Travel Accident Insurance
• Travel and Emergency Services

Plus:

• Access to cash advances 24 hours a day
• Overdraft Protection
• 24-hour automated account information line
• Online account access at www.commercebank.com
• Customer Service availability 24 hours a day, 7 days a week at
  (800) 645-2103

Please visit : commercebank.com

North American Financial Institution to Secure Online Banking With Entrust IdentityGuard

Commercebank to offer strong authentication to consumer banking customers to enhance identity theft protection

Entrust, Inc. (NASDAQ:ENTU), a world leader in securing digital identities and information, today announced that Commercebank, one of the largest privately held banks in South Florida, will deploy Entrust IdentityGuard to over 40,000 customers across Florida.

Commercebank, recognizing user concerns around online identity theft, phishing and pharming attacks, evaluated a number of strong authentication alternatives before choosing Entrust IdentityGuard. Key criteria used in their selection process included ease of deployment and implementation, flexibility, scalability and cost.

“At Commercebank, we are committed to providing unparalleled levels of customer satisfaction and flexibility through the latest available technology,” said Herbie Folgueira, Executive Vice President at Commercebank. “We are constantly enhancing our product lines and services to meet the needs of our domestic and international markets, and one of those needs has been addressing the concerns around online banking and identity theft for our customers. We needed a solution that would be easy for our customers to use, while also scalable and cost effective. Entrust IdentityGuard met all those criteria.”

Entrust IdentityGuard is an easy-to-use strong authentication solution that can be integrated with Web applications for consumer online banking, or across the enterprise to secure sensitive applications and data. With a single solution, organizations are able to seamlessly deploy strong authentication for Web applications, Windows desktops, or remote VPN access. Unlike other point solutions in the market, Entrust IdentityGuard can deliver a flexible, strong, risk-based mutual authentication solution that can fit seamlessly into the user experience at a fraction of the cost of conventional time-synchronous hardware tokens.

“One of the challenges of initiating a new security measure for customers is the ease of delivery and implementation. The Entrust services team provided the necessary expertise and worked closely with our team to establish the optimum card delivery strategy, keeping our customers and their concerns in mind,” said Jose Reyes, Senior Vice President of Security with Commercebank. “We are excited about this roll out and the security Entrust IdentityGuard will provide to our valued customers.”

“With the dramatic increase in online identity theft and reported incidences of phishing, financial institutions must take responsibility for securing the online identities of their customers,” said Bill Conner, Chairman, President and CEO of Entrust. “Entrust applauds Commercebank’s efforts in offering this additional security for their customers, and we’re certainly pleased to play a key role in helping to strengthen the security of their online banking. We are particularly pleased that Entrust IdentityGuard will play a key role in providing a scalable, cost effective solution to Commercebank’s retail customers.”

About Commercebank