REVIEWER: Kanon Cozad, senior vice president and director of Application Development for UMB Financial Corporation.

BACKGROUND: UMB Financial Corporation is a financial holding company that offers complete banking and related financial services to both individual and business customers. Its banking subsidiaries own and operate more than 150 banking centers. Subsidiaries of the holding company and the lead bank, UMB Bank, n.a., include an investment services group, a trust management company and single-purpose companies that deal with brokerage services, consulting services and insurance.

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