UMBF UMB Financial Corporation

CareGain, Inc., a Fiserv Health company, and UMB Healthcare Services announced today a partnership to offer CareGain�s patent-pending defined-care platform as part of the UMB Healthcare Services� health savings account (HSA) platform. CareGain�s turnkey technology platform provides a management system for health reimbursement arrangement (HRA), HSA and flexible spending account (FSA) plans that fully integrates with existing claims processing and payment systems. As an HSA custodian and BIN sponsor for multipurpose debit cards, UMB provides an integrated, wholesale approach for health plans, third-party administrators (TPAs) and software companies. The partnership will allow all health plans that use the defined-care platform to create a branded HSA product. �UMB is pleased to partner with CareGain to provide this innovative payment program,� said Dennis Triplett, president, UMB Healthcare Services, a division of UMB Financial Corporation. �Combined with CareGain�s technology, UMB�s white label, fully integrated product provides a payment system solution that enables a direct to provider payment option.� UMB and CareGain will make the offering available immediately. CareGain�s platform is an end-to-end integrated solution between the health care industry and the banking industry. It provides one single platform for enrollment, account management, claims processing, payments and decision support tools. �Partnering with UMB allows us to provide an integrated HSA model to members and providers,� stated Madan Moudgal, chief operating officer for CareGain. �Together we will offer the market an accurate end-to-end payment system solution for a direct-to-provider payment option. By introducing our new hosted ASP model, we can decrease the time to market and costs for plans looking to take a leadership stake in consumer directed health care.� About UMB Financial Corporation UMB Financial Corporation (Nasdaq:UMBF) is a multi-bank holding company headquartered in Kansas City, Mo., offering complete banking, asset management 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, Wis., 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. www.umb.com. About CareGain CareGain, Inc. enables health plans to flexibly, rapidly and cost-effectively create and administer consumer directed health plans, while leveraging their own internal systems and infrastructure. Their platform enables sophisticated plan designs through the use of multiple account structures. CareGain was founded in 2001 and became a division of Fiserv Health in December 2005. CareGain is based in East Windsor, N.J., and is a Solutions Partner of America's Health Insurance Plans (AHIP). CareGain can be found on the Internet at www.caregain.com. About Fiserv Health Fiserv Health provides a full array of integrated health plan management, claims processing and administration services for self-funded medical, dental, vision and disability plans. Fiserv Health also offers health plan management, pharmacy benefits management and business process outsourcing services to self-funded commercial and government employers and health plans. Fiserv Health Specialty Solutions offers a complementary suite of business products and services to health care payers and PPO organizations. The business unit includes CareGain; ppoONE, a claim repricing and data management organization; JW Hutton, a subrogation and overpayment recovery organization; and BP Inc., a managing general underwriter for stop loss products. Find out more at www.fiservhealth.com. About Fiserv Inc. Fiserv Inc. (Nasdaq:FISV), a Fortune 500 company, provides information management systems and services to the financial and health benefits industries. Leading services include transaction processing, outsourcing, business process outsourcing, software and systems solutions. The company serves more than 17,000 clients worldwide and is the leading provider of core processing solutions for U.S. banks, credit unions and thrifts. Fiserv was ranked the largest provider of information technology services to the financial services industry worldwide in the 2005 and 2004 FinTech 100 surveys. Headquartered in Brookfield, Wis., Fiserv reported more than $4 billion in total revenue for 2005. For more information, please visit www.fiserv.com. CareGain, Inc., a Fiserv Health company, and UMB Healthcare Services announced today a partnership to offer CareGain's patent-pending defined-care platform as part of the UMB Healthcare Services' health savings account (HSA) platform. CareGain's turnkey technology platform provides a management system for health reimbursement arrangement (HRA), HSA and flexible spending account (FSA) plans that fully integrates with existing claims processing and payment systems. As an HSA custodian and BIN sponsor for multipurpose debit cards, UMB provides an integrated, wholesale approach for health plans, third-party administrators (TPAs) and software companies. The partnership will allow all health plans that use the defined-care platform to create a branded HSA product. "UMB is pleased to partner with CareGain to provide this innovative payment program," said Dennis Triplett, president, UMB Healthcare Services, a division of UMB Financial Corporation. "Combined with CareGain's technology, UMB's white label, fully integrated product provides a payment system solution that enables a direct to provider payment option." UMB and CareGain will make the offering available immediately. CareGain's platform is an end-to-end integrated solution between the health care industry and the banking industry. It provides one single platform for enrollment, account management, claims processing, payments and decision support tools. "Partnering with UMB allows us to provide an integrated HSA model to members and providers," stated Madan Moudgal, chief operating officer for CareGain. "Together we will offer the market an accurate end-to-end payment system solution for a direct-to-provider payment option. By introducing our new hosted ASP model, we can decrease the time to market and costs for plans looking to take a leadership stake in consumer directed health care." About UMB Financial Corporation UMB Financial Corporation (Nasdaq:UMBF) is a multi-bank holding company headquartered in Kansas City, Mo., offering complete banking, asset management 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, Wis., 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. www.umb.com. About CareGain CareGain, Inc. enables health plans to flexibly, rapidly and cost-effectively create and administer consumer directed health plans, while leveraging their own internal systems and infrastructure. Their platform enables sophisticated plan designs through the use of multiple account structures. CareGain was founded in 2001 and became a division of Fiserv Health in December 2005. CareGain is based in East Windsor, N.J., and is a Solutions Partner of America's Health Insurance Plans (AHIP). CareGain can be found on the Internet at www.caregain.com. About Fiserv Health Fiserv Health provides a full array of integrated health plan management, claims processing and administration services for self-funded medical, dental, vision and disability plans. Fiserv Health also offers health plan management, pharmacy benefits management and business process outsourcing services to self-funded commercial and government employers and health plans. Fiserv Health Specialty Solutions offers a complementary suite of business products and services to health care payers and PPO organizations. The business unit includes CareGain; ppoONE, a claim repricing and data management organization; JW Hutton, a subrogation and overpayment recovery organization; and BP Inc., a managing general underwriter for stop loss products. Find out more at www.fiservhealth.com. About Fiserv Inc. Fiserv Inc. (Nasdaq:FISV), a Fortune 500 company, provides information management systems and services to the financial and health benefits industries. Leading services include transaction processing, outsourcing, business process outsourcing, software and systems solutions. The company serves more than 17,000 clients worldwide and is the leading provider of core processing solutions for U.S. banks, credit unions and thrifts. Fiserv was ranked the largest provider of information technology services to the financial services industry worldwide in the 2005 and 2004 FinTech 100 surveys. Headquartered in Brookfield, Wis., Fiserv reported more than $4 billion in total revenue for 2005. For more information, please visit www.fiserv.com.