UMB Financial Corporation Depositary Shares Each Representing a 1/400th Interest in a Share of 7.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B

UMB Financial Corp. engages in the provision of bank and asset services. The company is headquartered in Kansas City, Missouri and currently employs 5,222 full-time employees. Its segments include Commercial Banking, Institutional Banking, and Personal Banking. The company offers commercial banking, which includes comprehensive deposit, lending, investment and retirement plan services; personal banking, which includes comprehensive deposit, lending, wealth management and financial planning services; and institutional banking, which includes asset servicing, corporate trust solutions, investment banking and healthcare services. Commercial Banking serves the commercial banking and treasury management needs of its small to middle-market businesses through a variety of products and services. Institutional Banking is a combination of banking services, fund services, asset management services, and healthcare services provided to institutional clients. Personal Banking products include deposit accounts, retail credit cards, private banking, installment loans, home equity lines of credit, and residential mortgages.