UMBF UMB Financial Corporation

Bradley Smith Joins UMB Financial Corporation as Head of Consumer Services Division KANSAS CITY, Mo., Jan. 14 /PRNewswire-FirstCall/ -- UMB Financial Corporation (NASDAQ:UMBF) is pleased to announce that Bradley J. Smith has joined the company as its new executive vice president of consumer services. As the head of this division, he will oversee retail product development and distribution, Scout Brokerage Services, Inc., Scout Insurance Services, Inc., the customer call center along with consumer lending. Mr. Smith comes to UMB with 28 years of experience in retail banking. He has worked for National City Bank, The Provident Bank and most recently as executive vice president of retail banking and corporate services for St. Francis Bank in Milwaukee, Wis. Mr. Smith is a graduate of the University of Louisville, Louisville, KY. "Brad has a wealth of consumer banking experience that he brings to UMB along with a combination of operational, product and customer service expertise," said Peter deSilva, president and COO of UMB Financial Corporation. "He shares in my enthusiasm for UMB's longstanding tradition and commitment to customers as well as the consumer services business." "I look forward to working with Mariner and Peter to establish the overall retail strategy and direction for UMB," said Smith. " It's apparent that the company has a clear commitment to being a consumer-centric organization and I'm excited to be a part of that." Mr. Smith and his family are in the process of relocating to Kansas City from Milwaukee, Wis. He will work from the company's headquarters in downtown Kansas City beginning January 31, 2005. 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. Its banking subsidiaries own and operate 153 banking centers throughout Missouri, Illinois, Colorado, Kansas, Oklahoma and Nebraska. DATASOURCE: UMB Financial Corporation CONTACT: Jill Stockham for UMB Financial Corporation, +1-816-860-5606

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