Business description of UMB-FINANCIAL-CORP from last 10-k form

UMB FINANCIAL CORPORATION

/S/    J. MARINER KEMPER        


J. Mariner Kemper
Chairman of the Board

/S/    MICHAEL D. HAGEDORN        


Michael D. Hagedorn
Chief Financial Officer

/S/    BRIAN J. WALKER        


Brian J. Walker

Senior Vice President, Controller

(Chief Accounting Officer)