Commerce Bank Introduces Chip-Enabled Visa® Signature Credit Cards

  Commerce Bank Introduces Chip-Enabled Visa® Signature Credit Cards

Business Wire

KANSAS CITY, Mo. -- January 18, 2013

Commerce Bank is offering Visa^® Signature Credit Card holders more
convenience and safety when traveling abroad with the addition of the
chip-enabled Visa Signature Credit Card to its line of credit card products.
The card is embedded with a Europay, MasterCard^® and Visa (EMV^®) microchip
that provides customers with greater acceptance at international merchants
where chip card terminals have become the standard. The microchip contains
encrypted data which is more difficult to counterfeit if the card is lost or
stolen, thereby providing enhanced credit card security for those customers
traveling abroad.

“We are excited to offer our customers a product that will make international
transactions more convenient and secure,” said Carl Bradbury, Director of
Consumer Card Products. “As the payments industry continues to evolve,
Commerce Bank understands the utmost importance of protecting our customers
against fraudulent activity. We view the chip-enabled Visa Signature Credit
Card as a way for customers to experience greater card acceptance, enhanced
security, and overall increased peace of mind while travelling
internationally.”

The chip-enabled credit card includes elements that offer each transaction an
additional layer of security for regular purchases in stores as well as those
made at unattended terminals such as automated ticket dispensers commonly
found in European train stations. The embedded microchip stores and generates
the information required to authenticate, authorize and process transactions.
The Commerce Bank chip-enabled Visa Signature card is accepted anywhere Visa^®
cards are accepted.

About Commerce Bank

Commerce Bank, is a subsidiary of Commerce Bancshares, Inc. (NASDAQ: CBSH), a
$22.2 billion regional bank holding company. For more than 140 years, Commerce
Bank has been meeting the financial services needs of individuals and
businesses. Commerce Bank provides a diversified line of financial services,
including business and personal banking, wealth management, financial
planning, and investments through its affiliated companies. Commerce Bank
operates in more than 360 retail locations in the Central United States and
has a nationwide presence in the commercial payments industry. Commerce
Bancshares also has operating subsidiaries involved in mortgage banking,
leasing, credit-related insurance, private equity and real estate activities.

For additional information, please visit www.commercebank.com.

Contact:

Commerce Bank
Molly Hyland, 314-746-3657,
molly.hyland@commercebank.com
or
Maura Schnoebelen, 314-746-8567
Maura.schnoebelen@commercebank.com