Private Options PC1519-Print

CASH FLOW MANAGEMENT

PRIVATE OPTIONS

You Can Have It All with Commerce Private Options

Commerce Private Options addresses many of the banking, borrowing, and savings needs our private banking clients share. The package offers attractive rates and reduced or eliminated fees as a benefit of your relationship with Commerce Trust Company. This type of account often has an average balance requirement, but your fees are waived as long as you remain a private banking client. Your private banker, who is your convenient single point of contact at Commerce Trust, can help you take full advantage of valued Private Options benefits, such as: CHECKING WITH CONVENIENT ACCESS 1 ■ Commerce Private Options interest checking account ■ Free ATM transactions – no Commerce fee and rebate of other banks’ fees 2 ■ Free Online Banking and Bill Pay ■ Overdraft protection through your private banking Visa Signature ® card ■ Free stop payments and check copies ■ Free Platinum Visa ® Debit Card

BENEFITS OF A PRIVATE BANKING RELATIONSHIP: ■ Concierge-level personal service when and where it is convenient for you ■ Customized lending solutions ■ Single point of contact for all Commerce Trust services

LOANS AND CREDIT CARDS TO MEET YOUR BORROWING NEEDS 3 ■ Preferred rate discount on personal loans and lines of credit

■ Origination fees waived on personal loans ■ Preferred rate Home Equity Line of Credit ■ No annual fee private banking Visa Signature ® card with rewards ADVICE AND OTHER SERVICE BENEFITS ■ Free notary services ■ Free 3" x 5" safe deposit box or equivalent annual credit toward purchase of a larger box 4 ■ Free insurance review 1 Check copies – six free per month. Stop payments – three per year. Online Bill Pay – one free account per household. 2 Commerce will rebate up to $30 per month for ATM charges imposed by other financial institutions and waive our ATM charges.

3 Personal loan rate discount offered for automatic payment from your Commerce Checking Account. Mortgages and dealer loans are not eligible to receive personal loan discounts. Loans and credit cards subject to credit approval. Insurance must be carried on property securing home equity loans. When choosing a Commerce Private Options Checking Account and a corresponding credit card, you automatically receive debit functionality and ATM access with your credit card product. 4 Safe deposit box subject to availability. All rates and terms subject to change. See your private banker for rate details. Whatever your need – whether it is investment management, financial planning, trust services, or private banking – your Commerce private banker has the resources to help. Contact a Commerce Trust private banker to open a Private Options account and start enjoying the benefits today. 1-855-295-7821 | commercetrustcompany.com

Wealth | Investments | Planning Commerce Trust Company

Commerce Trust Company is a division of Commerce Bank. PC1519

NOT FDIC INSURED | MAY LOSE VALUE | NO BANK GUARANTEE

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