O V E R T H E PA S T 1 0 0 Y E A R S ,

Cass has grown from a small neighborhood bank serving the needs of area residents into a leading provider of payment and management information solutions for major corporations nationwide.

1906 - 1940

1906: The founders of Cass Avenue Bank were a group of businessmen representing a wide variety of enterprises – pie making and baking, electrical contracting, furniture manufacturing, cigar making, hauling, real estate, feed and milling, house furnishings and even a mortuary.

1906: Cass Avenue Bank opens for business and issues its first commercial loan – a $16,000 real estate loan for two buildings and a stable. On the first day bank deposits totaled $51,000 by the close of business.

1915: Building on its success, Cass is ready to expand after nine years in business and moves into its own newly constructed building.

1920: Cass Avenue Bank joins the newly created Federal Reserve System, which was only six years old at the time.

1925: “‘Safety for Savings’ is the Bank’s motto and during 20 years of business it has steadily grown in prestige as well as financial strength.” – Who’s Who in North St. Louis, 1925

1927: Cass moves into a newly constructed building at 13th and Cass where it continues operations until 1974. Later, the company donates the building to the city, and it now serves as the bus terminal.

1929: Reflecting its increasing stability and growth, the bank is transformed into a trust company – Cass Bank & Trust Company.

1929-1941: Even through the Great Depression, Cass remains one of the stronger banks in St. Louis.

1930s: Recognizing the strong Irish heritage in the surrounding neighborhood, the Bank begins holding annual St. Patrick's Day parties (Kerry Patch parties) for business clients and prospective customers. Catered by the Missouri Athletic Club's kitchen these parties are large and popular affairs. The Kerry Patch parties continued to the mid 1950’s.

1941: Attuned to changing consumer needs, Cass is one of the first St. Louis area banks to offer free parking for its customers.

1 9 5 0 - 1 9 7 0’s

1950s: As the surrounding neighborhood changed from residential to commercial in the 1950s, Cass began to shift its focus in order to better meet the needs of privately held companies in metropolitan St. Louis.

1956: A telegram cake celebrating Cass’ 50th anniversary was presented to Cass Chairman Harry Hartkopf. The cake reads: “Our best wishes to everyone at the bank in celebration of 50 golden years, 1906 – 1956.”

1956: Nearly surrounded by truck terminals, service garages and transfer points, Cass responds by developing a service to simplify the payment of freight bills in under what was then called the “Freight Payment Plan.”

1957: Cass begins offering its freight payment services to non-bank customers. This fundamental change sparks growth in this service area, laying the foundation for the formation and success of Cass Information Services.

1957: To make banking more convenient, Cass offers walk-up and drive-up windows for customers, one of the first in the area.

1967: Cass is among the first banks in the country to begin using electronic computers to process payroll checks – and in 1967 processes its 1 millionth check for an employee of Central Hardware through its “Automated Payroll Plan,” serving more than 350 companies.

1967: Cass begins marketing its freight payment services as FreightPay® to major corporations across the United States.

1973: To enhance its image as a commercial rather than neighborhood bank, Cass opens a new headquarter location in downtown St. Louis – and keeps the 13th and Cass location as a branch facility.

1973: With its move downtown, Cass continues to focus on meeting the banking needs of business customers using the slogan:

“Regardless of your needs, come to Cass ... when you want to talk business.” Growth continues to total assets of $100,204,125 in 1978, an increase of 52% since 1973.

1978: Under the leadership of Harry Krieg, Cass installs a new computer-based system for freight payment services – providing a complete integrated processing system tailored to the specialized needs of the shipper community. The response was excellent and during the following 12 months, the bank experienced the largest influx of new business in its history.

1979: Cass Transportation Services becomes the first in the industry to offer online duplicate payment protection.

1980 - 1999

1982: Cass Transportation Services achieves its first $1+ billion per year freight payments processed. Cass is recognized as one of the leaders in the industry.

1983: Cass Commercial Corporation is incorporated as a holding company for Cass Bank and its Freight Payment Services, now known as Cass Information Systems – this enables Cass to focus on the strengths of both companies, while reinforcing its position to remain an independent organization.

1987: Cass strengthens its business and adds operations in Columbus, Ohio and Chicago, Illinois with the acquisition of Comtrac – a major freight payment and information services competitor from First Chicago Bank.

1987: With the acquisition of Comtrac’s Ratemaker® rating software, Cass begins providing its premier Ratemaker Software to shippers and carriers across North America.

1990’s: As many banks offering basic freight payment services determine they cannot compete with the sophisticated needs of the shipping industry, Cass expands its customer base with the acquisition of accounts from banks such as Citizen’s & Southern Bank of Atlanta, NationsBank, Bank of America, AmSouth, National Bank of Detroit, Marine Midland Bank and Bank One.

1993: To keep up with the growth of its information services and to house increasing operations, Cass Information Systems moves to a new building in Bridgeton, Missouri.

1994: Cass acquires the Bank of Boston’s freight payment business – which, along with Cass, was among the first banks to pioneer this service in the mid-1950s.

1996: Cass introduces www.cassinfo.com and the following year debuts Internet invoice inquiry – the first of many online services offered to customers.

1996-1997: Based on the continued growth of Cass Information Systems, the Bridgeton, Missouri location is expanded and it also becomes Cass Bank’s centralized headquarters.

1997: Cass establishes the Church and Ministries division to serve the unique banking needs of this group.

1998: To meet the growing demand for its services, Cass forms a separate utility payment and information services business unit.

2000 - 2006

2000: Cass adopts a new corporate name – Cass Information Systems, Inc. – a change reflecting that the majority of company revenue is derived from its payment and information processing services. Cass Commercial Bank becomes a subsidiary of the new entity.

2000: Cass begins offering its Ratemaker software solely as an Internet-based service.

2001: Cass purchases Insite Services, a utility payment and information services provider – significantly increasing its presence in the marketplace.

2004: Cass acquires ProfitLab’s Telecom Services – creating the company’s Telecom Information Services business unit.

2005: Cass opens a bank branch in Orange County, California to service its fastgrowing West Coast church lending program.

2005: Cass Commercial Bank records average loan balances of $513 million for the year, an increase of $36 million over 2004.

2006: Cass celebrates its first 100 years in business.