COMMERCE BANK

business risk management; business consulting services, namely, risk management, strategic planning, outsourcing services for CFO, CIO positions; outsourced accounting services; outsourced CFO services in the nature of accounting advisory services; business administration and management; business management of the nonprofit corporations of others; business management services, namely, facilitating management of travel; entertainment and purchasing card programs for others, namely, providing incentive award programs for customers and employees through the distribution of prepaid stored value cards for the purpose of promoting and rewarding loyalty

banking services; checking account services; banking and related financial services, namely, checking, savings, money market, individual retirement, certificate of deposit account and automated teller machine services; savings account services; auto loan brokerage services; financial loan consultation; financing loans for automobiles, boats, RVs, houses, education, and personal finances; providing student loans; providing temporary loans; providing personal loans and lines of credit; ATM banking services; real estate lending services; mortgage banking; mortgage brokerage; mortgage lending; mortgage refinancing; home equity loans; providing home equity lines of credit (HELOC); on-line banking services; on-line banking services featuring electronic alerts; financial services, namely, electronic remote check deposit services; on-line banking services featuring online bill pay and mobile banking services; banking services provided by mobile telephone connections; on-line banking services accessible by means of downloadable mobile applications; payment processing services, namely, credit card and debit card transaction processing services; issuing credit cards, debit cards, prepaid credit cards, and gift cards; credit card payment processing services; credit card transaction processing services; credit card services, namely, allowing a card owner to selectively elect for payment charges on their outstanding credit card balance; business banking services; financial services, namely, banking, maintaining depository accounts; lockbox services, namely, lockbox processing and electronic lockbox services that enable acceptance of online payments via web-based portal; on-line banking services featuring an online portal allowing customers to see checks that have been processed and selectively approve or reject the checks for payment; on-line banking services featuring an online portal allowing customers to consolidate funds from throughout their organization into a central account to provide better control of cash flow; on-line banking services featuring an online portal allowing customers to track their total cash position through a single parent account, while maintaining the functional integrity of different accounts; on-line banking services featuring an online portal allowing customers to remotely deposit cash and use amounts prior to bank receipt of actual cash; financial treasury management services; financial services, namely, providing controlled disbursement services featuring notification of account information to allow user to determine their cash position and make timely funding and investment decisions; financial services, namely, electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; financial services, namely, providing short term loans; financial services, namely, providing real estate loans for income producing property, residential development and construction, and owner operated property; financial services, namely, providing an on-line information center for small business to get advice on loans, business formation, business advice, and financial advice; providing working capital loans and lines of credit to businesses; real estate loan brokerage services; providing business loans and business lines of credit; providing small business administration (SBA) loans; payroll processing services; payroll tax debiting services; payroll card services, namely, providing a prepaid debit card to enable a user to access funds deposited into a card account by an employer or other benefits provider via direct deposit; aircraft financing services; equipment financing services; franchise financing services; investment banking services in the field of employee stock ownership plans (ESOP); providing employee stock ownership plan (ESOP) loans; bond financing services; arranging of lease-purchase financing, namely, providing non-tax-oriented leases, tax-oriented leases, operating leases, municipal leases, TRAC leases, synthetic leases; providing acquisition financing; international banking services, namely, foreign exchange services, foreign check processing, and documentary collection services; currency exchange services; check processing; export financing services; providing working capital financing to small businesses and small business owners; commercial credit card payment processing services; commercial credit card services, namely, providing commercial, purchasing, corporate, business platinum, and business rewards credit cards; electronic payment services, namely, providing mobile payment processing services; providing financial risk management services for credit card transactions via a global computer network; financial services, namely, credit agencies featuring financial reporting services; providing electronic processing of electronic payments via a global computer network; automated accounts payable debiting services; processing the electronic payments by others of invoices through a credit card network; providing cash and other rebates for credit card use as part of a customer loyalty program; merchant services, namely, payment transaction processing services; payment processing services, namely, credit card and debit card transaction processing services; check processing services; online and telephone check processing services; private label gift card services, namely, issuing private label gift cards; financial services, namely, providing a cloud-based payment processing service that allows a business to obtain a card authorization for an estimated non-covered amount of a medical procedure at the location of the procedure; on-line banking services featuring an online portal allowing vendors of customers to sign up for payment; investment banking services; individual retirement account (IRA) services; investment services, namely, asset management, asset advisory, consultation, and custody services for corporations, financial institutions, and municipalities; municipal debt management services; investment management; investment services for individuals and institutions, namely, providing general securities products for purchase, advising on investment strategies, and developing investment portfolios with stocks, bonds, mutual funds, and exchange-traded funds; private banking services; financial advisory and consultancy services; financial information and advisory services; trust services, namely, investment and trust company services; investment brokerage; private equity fund investment services; trustee services, namely, providing bond trustee and paying agent services; escrow agent services; brokerage services for capital investments; brokerage services for stocks, bonds, mutual funds, exchange-traded funds, U.S. treasuries, brokered CDs, and unit investment trusts; annuities investment services; banking and financial services, namely, providing cash management accounts; banking and financial services, namely, providing margin accounts; brokerage services in the field of securities and commodities investing; banking and financial services, namely, providing brokerage and investment accounts, retirement and tax-deferred accounts, and education savings accounts; insurance services, namely, underwriting, issuing and administration of life insurance; insurance services, namely, underwriting multi-benefit insurance, long-term care insurance, disability insurance; credit risk management; financial risk management; investment consulting services; financial services, namely, wealth management services, financial administration of retirement plans; financial services, namely, ERISA, Taft-Hartley, employee benefit and employee pension plan administration and consultation; investment management and administration of Taft-Hartley plans and accounts; fund management services and investment management services for Taft-Hartley, foundation, endowment, mutual funds; health savings account services