The conference is scheduled for 9 a. to 1 p. 3M's brands include
Scotch, Post-it, Scotchgard , Thinsulate, Scotch-Brite, Filtrete,
Command and Vikuiti.

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PAUL, Minn. "We
are proud to support these students in their quest to achieve an education,
improve their community and realize the 'American Dream.

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Serving customers in more than 200 countries
around the world, the company's 67,000 people use their expertise,
technologies and global strength to lead in major markets including
consumer and office; display and graphics; electronics and
telecommunications; safety, security and protection services; health
care; industrial and transportation.J.

Applicants must:

-- Be graduating high school seniors, residing in a county served by
Commerce Bank
-- Plan to enroll in a full-time undergraduate course of study at an
accredited two- or four-year college, university or vocational-
technical school in the United States
-- Have a cumulative high school grade point average of 3.

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They specialize in the analysis and redesign of existing plans as
well as ongoing account management for their clients in the United States.newscom.

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Terms of the transaction were not disclosed.
Wherever they are, whatever they do, the company's customers know they
can rely on 3M to help make their lives better.

For websites of students attending Swarthmore College.

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commerceonline.

Please do not submit redirect URL's.

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Gallagher
is traded on the New York Stock Exchange under the symbol AJG. Whenever calling Scholarship
America, please refer to the Commerce Bank program.

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url listed

(NYSE: AJG) today announced the acquisition of Corporate Life Consultants,
Inc.com

Forward-Looking Statements
The Company may from time to time make written or oral "forward-looking
statements," including statements contained in the Company's filings with the
Securities and Exchange Commission, in its reports to stockholders and in
other communications by the Company, which are made in good faith by the
Company pursuant to the "safe harbor" provisions of the Private Securities
Litigation Reform Act of 1995.

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, a subsidiary of Arthur J.'"
Students and parents are searching for alternatives to financing college
as education costs increase by double digits.
Scholarships will be awarded to students residing within the bank's market
area of nearly 320 stores in four states .

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They also offer international benefit plans for expatriates, third country
nationals and key local nationals.m.3M.
(Logo: http://www.com.

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Founded in 1991, Corporate Life Consultants offers life and long-term
disability plan consulting services for companies with at least 1,000
employees. Gallagher + Co. According to the
Advisory Committee on Student Financial Assistance , cost issues prevent 48
percent of college-qualified high school students from attending a four-year
institution and 22 percent from attending any college at all. Scholarship America has distributed more than $1 billion to
nearly one million students through its scholarship and other support programs
since its founding in 1958. The Company does not undertake to update any forward-looking
statement , whether written or oral, that may be made from time to time by or
on behalf of the Company.

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, an international insurance brokerage and risk
management services firm, is headquartered in Itasca, Illinois, has operations
in seven countries and does business in more than 110 countries around the
world through a network of correspondent brokers and consultants.
Commerce Bank has partnered with Scholarship America, a national nonprofit
and the nation's largest organization of scholarship programs, to administer
the program. Over the last three years, Commerce has donated an average of three
percent of its pre-tax income to beneficiaries - nearly double Corporate
America 's average of 1., Commerce
Bancorp (NYSE: CBH) has more than $30 billion in assets and, in 2004, achieved
a deposit increase of 34% and earnings per share growth of 26%.

college students

Not only do they add to our benefit division's niche strategy, but
they also bring a client-focused, growth-oriented team that fits well within
our culture.

Business Editors

ST. The new American Dream program
replaces Commerce's previous scholarship program and increases each
recipient's funding from $500 to $1000 .
Student applications will be evaluated for accomplishments in and out of
the classroom.

swarthmore life

, Arthur J. of Ambler, Pennsylvania.0 scale) or equivalent
-- Demonstrate involvement in community service, volunteerism, school
activities and/or employment responsibilities

Candidates can submit applications from February 15, 2005 through April 1,
2005.J. For more
information about Commerce, please visit the company's interactive financial
resource center at commerceonline .

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Scholarship winners will be selected for academic achievement,
goals and aspirations, demonstrated leadership, participation in community
service activities, work experience, and recommendations.

Questions regarding the Commerce Bank American Dream Scholarship should be
directed to Scholarship America at 507-931-1682. Headquartered in Cherry Hill, N.

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Eastern Time.

These may not be listed, and if they are will be changed to the actual location of the site.

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Paul Connolly, Jeff Jones and their
associates will continue to operate at their current location under the
direction of David Ziegler, Eastern Regional Executive Vice President of
Gallagher Benefit Services, Inc."
Arthur J.----3M (NYSE:MMM)
announced today that it will webcast its 2005 Investor Conference on
Friday, February 18.
A staunch commitment to active involvement in the local community is
another vital element of the Commerce philosophy.6%, according to the Giving USA Foundation's 2004
annual report on philanthropy.

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Patrick Gallagher, President and CEO of Arthur J.
To access the webcast and to obtain the presentation materials, go
to 3M's Investor Relations home page at http://investor. CHERRY HILL, N. Commerce Bank provides financial and other
support to educational , arts, community, human service and health-related
programs, many of which focus on improving the welfare of children and
families.

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Arthur J. Gallagher + Co. Acquires Corporate Life Consultants Inc.

3M to Webcast Upcoming Investor Conference

Applications will be available beginning February 1 at all Commerce Bank
locations.

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Gallagher + Co.3M.com/
shortly before the event.com/cgi-bin /prnh/20050215/PHTU027LOGO )
(Logo: http://www.0 (based on a
4. To find a Commerce store, visit http://www. The words "may," "could," "should,"
"would," "believe," "anticipate," "estimate," "expect," "intend," "plan," and
similar expressions are intended to identify forward-looking statements. The
following factors, among others, could cause the Company's financial
performance to differ materially from that expressed in such forward-looking
statements: the strength of the United States economy in general and the
strength of the local economies in which the Company conducts operations; the
effects of, and changes in, trade, monetary and fiscal policies, including
interest rate policies of the Board of Governors of the Federal Reserve System
(the "FRB"); inflation; interest rates, market and monetary fluctuations; the
timely development of competitive new products and services by the Company
and the acceptance of such products and services by customers; the willingness
of customers to substitute competitors' products and services for the
Company's products and services and vice versa; the impact of changes in
financial services' laws and regulations (including laws concerning taxes,
banking, securities and insurance); technological changes; future
acquisitions; the expense savings and revenue enhancements from acquisitions
being less than expected; the growth and profitability of the Company's non-
interest or fee income being less than expected; unanticipated regulatory or
judicial proceedings; changes in consumer spending and saving habits; and the
success of the Company at managing the risks involved in the foregoing.

websites go

For more information, including
the latest product and technology news, visit www.com

Scotch, Post-it, Scotchgard, Thinsulate, Scotch -Brite, Filtrete,
Command and Vikuiti are trademarks of 3M.

Commerce Bank Doubles Scholarship Dollars for Area Students

, Commerce Bank
(NYSE: CBH) announced today that it has launched the Commerce Bank American
Dream Scholarship program, which awards $200,000 annually to local graduating
seniors who achieve both academic excellence and serve the community. The College Board finds that
tuition and fees at four-year college and universities are up 11 percent from
a year ago and 40 percent higher now than a decade ago. Overall, Commerce Bank's
Corporate Giving Program has contributed more than $38 million - an average of
5,000 contributions each year - to nonprofit organizations, helping improve
the quality of life of the people living in the communities served by the
bank.

About Commerce Bank
Commerce Bank, "America's Most Convenient Bank(R)," is a leading retailer
of financial services with more than 320 convenient stores in New Jersey, New
York, Pennsylvania and Delaware.
These forward-looking statements include statements with respect to the
Company 's beliefs, plans, objectives, goals, expectations, anticipations,
estimates and intentions, that are subject to significant risks and
uncertainties and are subject to change based on various factors (some of
which are beyond the Company's control).
The Company cautions that the foregoing list of important factors is not
exclusive.

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ITASCA, Ill. Gallagher + Co,
stated, "Corporate Life Consultants is a great example of our merger partner
of choice. We are pleased to welcome Paul , Jeff and their associates to our
growing Gallagher family of professionals.m.com/cgi-bin/prnh/20050104 /PHTU036LOGO )
"Commerce is committed to developing programs and activities that support
students and education, contribute to the growth of strong communities, and
impact lives," said Vernon Hill II, Chairman and Founder Commerce Bank.

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Gallagher + Co.

About 3M -- A Global, Diversified Technology Company

Every day, 3M people find new ways to make amazing things happen.

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---

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