UMBF UMB Financial Corporation

UMB Financial Corporation (NASDAQ: UMBF) has been authorized by the United States Small Business Administration (SBA) as an official lender for the SBA Preferred Lender Program (PLP). Only the most active and experienced lenders qualify for this SBA lending program. "The SBA PLP designation allows us to streamline the underwriting process and provide a favorable credit decision on behalf of the SBA for long-term loans," said Kathy Hunter, UMB senior vice president of Small Business Banking. "This PLP accreditation strengthens the UMB position as a leader in delivering financial support to small business and advancing our lending powers." SBA PLP lenders are chosen from among the SBA's best lenders and have full delegation of lending authority in most situations including: purchase or expansion of owner-occupied commercial real estate, business acquisition or expansion, equipment/inventory purchase, refinance of debt to improve cash flow or permanent working capital. The maximum loan amount for the SBA PLP program is $2,000,000. "This designation by the SBA grants UMB the power to enhance our commitment to this important business segment," said Peter deSilva, UMB president and chief operating officer. "By building on our portfolio of banking services and providing experienced customer service, UMB is emerging as a viable lending partner for small businesses." The key benefits of a SBA PLP loan from UMB include: up to 90% loan-to-value, fully amortized terms on real estate for up to 25 years and 10 years on equipment, no balloon payments and flexible interest rate adjustment periods for 1, 3 or 5 years. UMB Financial Corporation is a multi-bank holding company headquartered in Kansas City, Mo., offering complete banking and related financial services to both individual and business customers nationwide. Its banking subsidiaries own and operate 141 banking centers throughout Missouri, Illinois, Colorado, Kansas, Oklahoma, Nebraska and Arizona. Subsidiaries of the holding company and the lead bank, UMB Bank, n.a., include an investment services group based in Milwaukee, Wisconsin, a trust management company in South Dakota, and single-purpose companies that deal with brokerage services, consulting services and insurance. UMB was named one of Business Week's "Web Smart 50" companies in 2005.