New Payments Solution, ePlateTM, Gives Businesses the Power to Reward Customers with Experiences Never Imagined

  New Payments Solution, ePlateTM, Gives Businesses the Power to Reward
  Customers with Experiences Never Imagined

Business Wire

KANSAS CITY, Mo. -- October 25, 2012

UMB Bank, a subsidiary of UMB Financial Corporation (NASDAQ: UMBF), in
alliance with Dynamics Inc., announces the launch of ePlate^TM. This
first-to-market credit card allows brands, retailers, non-profit organizations
or entertainers the opportunity to offer consumers a unique reward, or
experience, they can only earn by using an ePlate credit card.

When a company becomes an ePlate Experience™ Provider, they expose consumers
to a “rewards offer” that goes above and beyond what any other company is
doing. Currently, companies and organizations with traditional rewards cards
offer consumers the opportunity to earn “things.” But with ePlate, they can
reward consumers with unique experiences which create a better way for brands
to build loyalty and a priceless connection with the consumer.

“This ‘first-to-market’ credit card was developed to give companies a way to
drive stronger engagement with consumers, essentially making them brand
loyalists,” said George Schmelzel, senior vice president of UMB Payment
Solutions. “And since the experience a company offers will be exclusive to the
ePlate card, cardholders gain something from the company’s brand that they
can’t find anywhere else.”

Using the online Experience^TM Manager software, the cardholder can go online
at any time to personalize their rewards preferences from a wide array of
experiences offered by consumer brands, retailers, charitable organizations,
entertainers, etc. And when a purchase is made using ePlate, the consumer
receives real-time, tangible rewards in the form of unique giveaways and
exclusive experiences.

“ePlate creates a channel for a company to offer customers a unique
experience, or reward, when they use their ePlate credit card,” said Jeff
Mullen, CEO of Dynamics Inc. “ePlate provides a better way to establish and
reward customer loyalty that currently doesn’t exist.”

To learn how the ePlate credit card can add value to a business or
organization, visit umb.com/ePlate for more information and an instructional
video.

About UMB Bank:

UMB Bank is a subsidiary of UMB Financial Corporation (NASDAQ: UMBF), a
financial services holding company headquartered in Kansas City, Mo., offering
complete banking, asset management, health spending solutions and related
financial services to commercial, institutional and personal customers
nationwide. Its banking subsidiaries own and operate banking and wealth
management centers throughout Missouri, Illinois, Colorado, Kansas, Oklahoma,
Nebraska and Arizona. Subsidiaries of the holding company and the lead bank,
UMB Bank, n.a., include mutual fund and alternative investment services
groups, single-purpose companies that deal with brokerage services and
insurance, and a registered investment advisor that manages the company's
proprietary mutual funds and investment advisory accounts for institutional
customers. For more information, visit umb.com or follow us on Twitter at
@UMBBank.

About Dynamics Inc.

Dynamics Inc. was founded and seeded in 2007 by Jeff Mullen, its President and
CEO. Dynamics produces and manufactures intelligent powered cards such as
advanced payment cards. Focused on introducing fast-cycle innovation to top
card issuers, the company's first commercial application is the world's first
fully card-programmable magnetic stripe for use in next-generation payment
cards. The company has won many of the world's most prestigious international
business plan competitions, including the Rice Business Plan Competition,
Carnegie Mellon McGinnis Venture Competition and the University of San
Francisco Business Plan Competition. The company won DEMOgod and the $1M
People's Choice Award at DEMO Fall 2010, Best of Show at FinovateFall 2010,
FinovateFall 2011, and FinovateEurope 2012, and Best of Show at BAI Retail
Delivery 2011. In January, the company won Best in Show at the 2011
International CES for Personal Electronics and Technology Honors at the 2012
International CES for Personal Electronics. Dynamics has closed a $5.7M Series
A round led by Adams Capital Management and a $35M Series B round led by Bain
Capital Ventures. Dynamics is headquartered in Pittsburgh, Pa. More
information on the company, its technology and applications can be found at
dynamicsinc.com.

Contact:

For UMB Financial Corporation
Elizabeth Holzhauer, 816-423-6110
eholzhauer@barkleyus.com