COMMERCE BANK OFFERS PRODUCTS SPECIFICALLY MEETING THE NEEDS OF SMALL BUSINESS

(KANSAS CITY, MO, December 3, 2001) - Commerce Bank has created a package of financial services designed with the small business owner in mind. Commerce Business Tools is a comprehensive package of financial services comprised of checking accounts, Commerce Bank VISA® Business Check Cards, loans, lines of credit, online access to accounts and other services, credit card processing, investment services including qualified retirement plans, credit cards and more.

Often, small business owners are so busy running their business that they lack the time required to thoroughly manage financial operations or learn the ins-and-outs of alternative time-saving solutions. Commerce Business Tools is designed to offer all the services a business owner needs, in one place, easy to use, and simple to access.

"Our experience with Commerce has been smooth compared to other banks," commented Russ Fields, co-owner of FirstCall Staffing Solutions in Lee's Summit, Missouri and customer of Commerce. "The attention we receive is vital. Our background is not in business and our Commerce Bank representative walked us through each step. Our banker continues to answer our questions and meet our needs as we learn and grow." FirstCall Staffing Solutions currently has a business checking account, business check card and line of credit through Commerce.

"We asked our customers what they wanted, listened and designed the Business Tools solution with those needs in mind," commented Andrew Kaplan, senior vice president and manager of Commerce Bank's small business banking division. "Additionally, drawing on our experience in developing products to meet the needs of our corporate customers, we were able to create a package of services designed for success."

A few benefits of the Business Tools package of products include a one page loan application with minimal financial reporting, online access to checking accounts so customers can do their banking when it's most convenient and the VISA Business Check Card for easy tracking of employee expenses. For more information, call, click or come by Commerce Bank.

Commerce Bank is a subsidiary of Commerce Bancshares, Inc., a registered bank holding company with assets of $12.3 billion offering a full line of banking services, including investment management and securities brokerage. The Company currently operates in 341 locations in Missouri, Illinois and Kansas. The Company also has operating subsidiaries involved in mortgage banking, credit related insurance, venture capital and real estate activities.

For more information contact:
Christy Campbell
Marketing Manager
816-234-7267

Website: www.commercebank.com
e-mail: mymoney@commercebank.com

SYMBOL: CBSH

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