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Phishing Alert and “Heartbleed” security issue

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Did “Heartbleed” affect UMB?

“Heartbleed” is a bug that has affected many popular websites and “could have quietly exposed your sensitive account information (such as passwords and credit card numbers) over the past two years,” according to Mashable.com.‡

None of UMB’s computer systems were impacted by the Heartbleed bug.

As soon as these hackers were exposed, UMB took immediate action. We were able to find that none of our banks were vulnerable to this issue. We also added specific, proactive monitoring. Although UMB was not affected by the issue, our customers do need to be cautious since the bug could still harm you through other websites where you saved your card numbers or used the same password you use for online banking.

What action do customers need to take?

  • Change your passwords – If you utilize the same password for your online banking services that you utilize on other sites, we strongly recommend that you change the password for your online banking services immediately, in case your username or password were compromised on another site.
  • As always – use different passwords for all online services which contain personal or financial information.
  • To find out if other password-protected sites you use were compromised, we recommend contacting those website providers directly. They may advise to wait to change your passwords until they have installed the latest fixes to this Heartbleed bug, but the only way to know for sure is to receive information from those specific sites.
  • If you run a website and need advice on how to protect it, we recommend visiting Heartbleed.com.‡

Phishing Alert

phishing scam

Some of our customers may have received text messages yesterday or today that we identified as a phishing attempt. The message states that there has been a security breach and gives a number to call. If you call the number, it will ask you for your credit card number or account information. Do not respond to this request for information.

What you need to know:

  • UMB will NEVER contact you via text, email or phone for the purpose of requesting any kind of personal or bank information.
  • Phishing scams are common. These attacks use e-mail or malicious websites to solicit personal, often financial, information. Attackers may send e-mail seemingly from a reputable credit card company or financial institution that requests account information, often suggesting that there is a problem. When users respond with the requested information, attackers can use it to gain access to the accounts.
  • Check out some more Security FAQs from our security experts.

What you need to do:

  • Never respond to suspicious messages or click on suspicious links.
  • Check with your financial institutions before sharing any type of private or financial information.
  • Remember to use online and mobile banking. Why?
    • Secure (protected by multiple layers of security)
    • Saves time – quick access from any computer anywhere
    • Hinders identity theft – if you check your accounts frequently, potential fraud is discovered early.
  • Already a mobile banking user? Here are some tips:
    • Save UMB’s short code (50106) in your address book as a Contact, so that when you receive a Text/SMS message from us, you will know immediately that UMB has sent you a communication.
    • Make sure you know who has sent you any message – if in doubt, delete it.
    • Never click on any links if you are not sure of the sender.
    • Never send any confidential information to anyone – the bank will never ask you to “go here and fill in this information” or “please send us this information.”
    • The bank will also never ask you to respond with your password unless you are signing into one of our applications.
    • Never respond to a request for your password and alert us immediately should you receive a message requesting your password or any other confidential information at 888-782-4325. You may contact us Monday through Friday, 8 a.m. to 10 p.m. or on Saturday from 8 a.m. to 5 p.m.
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When you click links marked with the “‡” symbol, you will leave UMB’s website and go to websites that are not controlled by or affiliated with UMB. We have provided these links for your convenience. However, we do not endorse or guarantee any products or services you may view on other sites. Other websites may not follow the same privacy policies and security procedures that UMB does, so please review their policies and procedures carefully.


UMB Financial Corporation (Nasdaq: UMBF) is a financial services holding company headquartered in Kansas City, Mo., offering complete banking, payment solutions, asset servicing and institutional investment management to customers. UMB operates banking and wealth management centers throughout Missouri, Illinois, Colorado, Kansas, Oklahoma, Nebraska and Arizona. It also has a loan production office in Texas. Subsidiaries of the holding company 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.



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Moving the needle for healthcare in America

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healthcare in America

With all of the regulation changes Americans and American businesses are witnessing in health care today, the importance of understanding health savings accounts (HSAs) has never been greater. An HSA is a tax-exempt trust or custodial account which enables consumers to set aside money for current and future qualified medical expenses not covered by a medical plan. A potentially valuable account in today’s world of rising healthcare costs. And at UMB Healthcare Services, we’re introducing a tool to enhance that value for employers and employees.

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According to a recent AHIP report, nearly 15.5 million Americans are enrolled in HSAs, and that number will only continue to rise. But how many of those Americans and their employers are taking full advantage of the possibilities these accounts offer? We can only know through proper reporting.

While the HSA industry has remained focused on the administration of these accounts – enrollment, opening accounts and contributions – UMB Healthcare Services has put data reporting front and center by introducing HSAWorksTM. In the nearly 10 years since the introduction of HSAs, traditional reporting, when available, has given visibility to average account balances and confirmation if individuals were investing or not. Lack of clarity and further analysis of these numbers has made it cumbersome for employers to create benchmarks for success in their own benefit plans.

With HSAWorks, the industry’s most advanced reporting and first-ever analytics tool, brokers, third-party administrators, health plans and employers are supplied with actionable analytics to achieve desired plan results. Rather than basic metrics, this industry-leading HSA reporting tool empowers employers to drive positive change with their plan and improve employee health and well-being by understanding the data. Now, employers and employees can benefit from all of the possibilities an HSA provides, including and most importantly, influencing health.

 

When you click links marked with the “‡” symbol, you will leave UMB’s website and go to websites that are not controlled by or affiliated with UMB. We have provided these links for your convenience. However, we do not endorse or guarantee any products or services you may view on other sites. Other websites may not follow the same privacy policies and security procedures that UMB does, so please review their policies and procedures carefully.


Dennis Triplett is chief executive officer of UMB Healthcare Services. He is responsible for the strategic direction in healthcare banking and manages the sales and marketing activities, plus product development and relationship management. Dennis has more than 29 years of experience in the banking industry. He currently serves as board chairman for the Employers Council on Flexible Compensation, chairman of America’s Health Insurance Plans’ HSA Leadership Council and a charter member of the American Bankers Association’s HSA Council.



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How to secure a commercial loan: a lender’s inside scoop

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From bakers and brew masters to dentists and doctors, all business owners have one thing in common – they all need money. That fact is true regardless of the stage: starting, expanding or continuing their operations. Securing financing for a business can be one of the most overwhelming tasks an entrepreneur will ever face.

Lenders ask the same questions and look at certain criteria when evaluating loan requests no matter the amount of money a business owner needs.

small business owner

 

What’s the Plan?

Lenders want to know how much money will be personally invested in the business, how much money the creditor is being asked to fund and how the money will be used. For a startup company, you will need to present more than the basics. You’ll need to show a business plan, giving the opportunity to answer the aforementioned questions as well as the following:

  • Who will own and operate the business?
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  • What experience and/or qualifications do you have to operate the business?
  • What will the business sell/provide?
  • Who is your target market?
  • What is your marketing plan?

For a company that has already been in business two or more years, lenders will require current balance sheets, profit and loss statements, and interim balance sheets. It’s a good idea to bring personal tax returns and financial statements, as well.

Money Makes the Business World Go Round

Once the lender has reviewed your business plan and expertise, they will move on to the money. For a startup, the first question a lender will ask is how much money is needed to start the business and make it profitable. Think about working capital such as inventory, real estate, equipment and furniture.

The next question is how much money will you personally contribute to the business? Actual cash investment by the business owner is necessary. An existing business will need to present its current balance sheet to demonstrate how much has already been invested and how the money was spent. All of this information will be reviewed to determine how much actual cash investment remains after paying out expenses and providing a living for the business owner.

These questions will be evaluated by the lender to determine if the business will operate soundly, that the debt burden does not place unreasonable demands on the profits of the business to repay the debt, and that you have enough capital at risk to keep you committed to the success of the business.

The Payment Terms

The biggest challenge business owners face when seeking a loan is showing the lender how and when they will pay the money back.  This is the chance to prove to the lender that your earnings will be enough to repay the loan.

To accomplish this goal, existing business owners should bring historical operating statements to showcase prior sales, expenses and profits. If you’re new to this, provide projections of sales, expenses and profits for the next two to three years, and an annual budget of cash expected from sales. Industry and market research data can serve to back up your projections.

Borrowing money is all about convincing the lender that you have the capital needed to succeed, the ability to repay the loan, the character and skill to implement the plan and the collateral to serve as backup. When entrepreneurs clearly understand the process and questions a lender will ask, they are adequately prepared to go out and secure a loan that will help their business succeed.

For more tips to prep you before your meeting with a lender, check out this earlier blog post: The 5 C’s of Credit.


Michael Rosales is senior vice president and small business banking manager at UMB Financial Corporation. Mr. Rosales joined UMB in 2005 as part of the founding crew of the Small Business Banking Department. He manages a group of associates who process requests for small business loans. Mr. Rosales can be reached at Michael.Rosales@umb.com.



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Community Involvement at UMB

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Contributing to our communities and environment is important to UMB because we believe we have the ability to make a positive difference in someone’s life every day. In addition to providing a solid portfolio of financial products, we have utilized associate volunteerism and corporate philanthropy to build our reputation as a strong community partner.

From financing for small businesses and providing working capital loans to companies that support job creation and retention, to our corporate philanthropy and our associates’ own personal volunteerism activities, UMB and its associates are dedicated to our local communities.

Historically, we’ve supported organizations and programs that expand access and appreciation of the arts, further economic development, advance educational opportunities, grow agriculture, strengthen families, restore neighborhoods, develop future leaders, and improve health and wellness. Through these acts, we strive to make UMB a place where customers can count on more.

Community Involvement by the numbers

 

 

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Associate Volunteerism

UMB enables its associates to give some of their time, energy and talents back to the community through spirited programs and initiatives. We proudly offer associates 16 hours of paid time off for volunteerism each year.2 In addition to encouraging individual volunteerism amongst our associates, specialized volunteer opportunities
and team-building group projects are also offered throughout the year.

Local Volunteer Opportunities

UMB’s partnership with United Way and local volunteer centers provides associates in our geographic footprint with current volunteer opportunities. Associates select organizations with which they have a relationship or would like to explore and donate their time, resources and support. Past projects have included: fundraising
initiatives, hands-on volunteer projects, collection drives, ongoing projects and organizational support, financial management expertise, and board service. Preference is given to UMB not-for-profit customers requesting volunteer assistance; however, other organizations are also often selected for associate volunteerism support.

1 YTD 2013
2 Manager must approve, eligible after six months service and organization must be nonprofit.


Ms. Vaughn West is the Vice President of Community Relations at UMB in Kansas City, Mo. In this role, she is responsible for managing corporate community outreach, associate volunteerism, charitable giving and the UMB Big Bash concert for a cause. She joined UMB in 2008. She earned a BA in Communications from University of Missouri in Columbia, Mo. She also has a certificate of business proficiency from the University of Navarra in Pamplona, Spain. She has served on many community boards and volunteer councils, including her current position as vice-president of United Way’s Corporate Volunteer Council.



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Scarred by Great Recession, small business owners are still playing it safe

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SmallBusinessOwners

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UMB Financial Corporation (Nasdaq: UMBF) is a financial services holding company headquartered in Kansas City, Mo., offering complete banking, payment solutions, asset servicing and institutional investment management to customers. UMB operates banking and wealth management centers throughout Missouri, Illinois, Colorado, Kansas, Oklahoma, Nebraska and Arizona. It also has a loan production office in Texas. Subsidiaries of the holding company 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.



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Meet the Leadership Series: UMBFC President & COO Peter deSilva

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Q&A with Peter deSilva

East Coast to Midwest: Find out why Peter deSilva found himself at home at UMB.

Peter deSilva

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What about your past shaped who you are today?
I grew up near the ocean in a very traditional American family in Dartmouth, Massachusetts. My parents were great role models and teachers for me. I lived in the same house for 25 years until I moved to Boston to work for Fidelity.

I spent most of my summers at the beach. My first job was clamming. My mom would drop me off at 9 a.m. and pick me up at 4 p.m. and take me to Porky’s fish House where I’d sell my two bushels for $12. So the whole day of work for $12.

I went to the local public college and worked 60 hours a week to pay for my tuition. I worked in a movie theater for eight years as an usher and concession clerk and then manager.

My parents always said, “You’re never going to have everything you want, but you’re always going to have everything you need.” And that’s the principle I grew up under.

I met my wife, Michelle, when she turned me down for a job as one of 20 people who interviewed me. I ended up getting the job anyway at Fidelity and didn’t know she voted against hiring me until we were engaged. Now we have two daughters who are 20 and 17.

Moving to Kansas City
When I showed up on the shores of the Missouri River, it was definitely a different experience than Plymouth Rock where I previously lived next to. But we adjusted better than I thought we might. The bigger challenge has been being away from our family who all still live in Massachusetts within a mile with each other. My children are now an interesting mix of Midwestern and East Coast.

Kansas City is a perfect city in terms of size. It’s sophisticated even to some extent on the level of Boston and New York, but it’s manageable. There is a real sense of community and pride here.

And as far as my professional career, I have loved being part of the UMB story for more than a decade now.

Community Involvement
I think it’s an obligation. I don’t know how a community gets better unless everyone works together to make it better. So I connect my personal passions with what I try to get UMB involved in.

My parents were big givers, too. They didn’t have much financially, but they gave their time, and passions to things they cared deeply about.  So that inspired me to always get involved. I want my children to see that too and understand government isn’t always the solution.  Individuals through not for profit organizations provide the support that those less fortunate need. It’s our communities’ responsibility and opportunity, and so I take it personally.

My mom was a nurse and started a support group she never told us about. After she passed away, I found out how much she did through this group for parents who had lost a child during birth. She had helped hundreds of people. It always stuck with me as a selfless thing for someone to do.  in the end the three things that matter most are faith, family and friends.  I try to hold true to this.

What are your favorite ways to spend a weekend?
Waking up in the summer on Cape Cod and not having a plan. I might go fishing, clamming or lobstering to get that night’s dinner. I love to sit and look at the ocean and relax from the everyday stresses of life.


Mr. deSilva is president and chief operating officer of UMB Financial Corporation. He is also vice chairman of UMB Bank, n.a. Mr. deSilva joined UMB in January 2004. He is primarily responsible for UMB's fee-producing business units and product lines, including Scout Investments; UMB Fund Services, UMB Healthcare Services Payment Solutions, Prairie Capital Management. Additionally, he is responsible for all corporate operations, technology, properties, security and marketing.



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Meet the Leadership Series: UMB Bank President & CEO Mike Hagedorn

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Q&A with Mike Hagedorn

Get to know UMB Bank’s President and CEO a little better. Mr. Hagedorn joined UMB in 2005 and was recently promoted to president and chief executive officer of UMB Bank. He is also the vice chairman of UMB Financial Corporation. Hagedorn family

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What about your past shaped who you are today?
My dad was a banker for 40 years in Des Moines, Iowa. My dad is probably the reason why I’m a banker today. I grew up with it at the dinner table. We still talk about banking at family get-togethers; it probably drives some of our spouses nuts, but that’s just who we are. My brother is a banker and my wife used to be a bank examiner, so we all have a lot in common as far as our career choices.

Tell us about your family.
My wife, Lisa, and I met in high school and have now been married 25 years.

My sister was adopted, so that was important to me. My wife and I talked about adopting even before we got married. Since I grew up with it, to me, that’s just what you do. We adopted our daughters when they were 5 and 7 from Russia, and we also have two sons. After we get through all the birthdays coming up, my kids will be 18, 17, 16 and 15. I reminded my wife the other day that we’ll be empty nesters soon. We’re trying not to panic.

Why did you choose UMB?
UMB was looking for a CFO. We were back in Iowa with all our family, and my daughters had only been in America for a year and didn’t speak English yet. It’s hard to take your spouse out of that environment  with her family or pull your kids out of school.

Because of those reasons, I said no to the position at first, but then agreed to come talk to Mariner and Peter. I talked to Peter first and realized, “Wow, this is a great cultural fit. This could work.” I went in to the meeting thinking it would be an easy decision to turn it down not expecting to love it so much. Then I sat down with Mariner, and he was very warm and down to earth. And I realized I could see myself here.

I would never work in a place where I don’t like the culture or don’t believe in what we’re doing or don’t like the people I work with. Those were the most important things. I also looked at the financial statements and realized UMB screamed opportunity. That was attractive to me. Those were the hooks. I’m now in my 9th year at UMB.

Describe your perfect Saturday.
Playing golf with my kids. Or whatever I’m doing, it would revolve around my kids. Even though I complain sometimes about all the madness and craziness, I want to take advantage of spending time with them before they’re all away at college.


Mr. Hagedorn is president and chief executive officer of UMB Bank and vice chairman of UMB Financial Corporation. Prior to this role, Hagedorn served as chief financial officer and chief administrative officer of UMB Financial Corporation. He joined UMB in March 2005.



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If the economy was a movie, “The Sequel” would be better than the original

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Find out why 2014’s economic forecast is looking promising

2014 the Sequel

The beginning of a new year means it’s time to hit the road – literally. Every January and February the UMB Private Wealth Management division visits nearly a dozen cities to deliver UMB’s annual economic forecast presentation to clients. The theme of this year’s presentation is “The Sequel.” Never short on drama, the economic story this year draws a parallel to a movie sequel, although, we believe it will be better than the original (2013’s forecast).

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Last year’s economic theme, “The Policy Basin,” predicted slow or low, basin-like growth. Most companies weren’t ready to begin hiring yet; capital expenditures were mainly on hold and consumer spending was noticeably low – clearly still on the defense from the Great Recession of 2008. And, that is exactly how the economic picture played out last year.

As an extension to last year’s theme, this year’s economic picture is slowly but surely looking better. We predict real GDP will improve from 1.9 percent in 2013 to 2.7 percent this year. This will be driven by the following factors:

  • There will be an increase in consumption as consumers perhaps end the deleveraging phase and enter the re-leveraging phase.
  • Increased spending in state and local governments is expected, as these entities will benefit from a boost in property, sales and other tax revenue. All but seven states have indicated that they intend to increase spending from 2013.
  • We believe better economic growth in 2014 will generate close to 200,000 additional jobs per month, which is up from 185,000 per month last year. This growth in additional jobs should reduce the U.S. unemployment rate to 6.0 percent by the end of the year, down from the 6.7 percent at the end of 2013.

We are looking forward to 2014 delivering more employment, improved consumer sentiment and strong GDP growth. And while this year’s economic story might not be a blockbuster, we believe it will be a positive year with good storylines for consumers and businesses, and if managed correctly, for investors as well.

When you click links marked with the “‡” symbol, you will leave UMB’s website and go to websites that are not controlled by or affiliated with UMB. We have provided these links for your convenience. However, we do not endorse or guarantee any products or services you may view on other sites. Other websites may not follow the same privacy policies and security procedures that UMB does, so please review their policies and procedures carefully.

UMB Investment Management is a division within UMB Bank, n.a. that manages active portfolios for employee benefit plans, endowments and foundations, fiduciary accounts and individuals. UMB Financial Services, Inc.*  is a wholly owned subsidiary of UMB Bank, n.a. UMB Bank, n.a., is an affiliate within the UMB Financial Corporation.

This content is provided for informational purposes only and contains no investment advice or recommendations to buy or sell any specific securities. Statements in this report are based on the opinions of UMB Investment Management and the information available at the time this report was published.

All opinions represent our judgments as of the date of this report and are subject to change at any time without notice. You should not use this report as a substitute for your own judgment, and you should consult professional advisors before making any tax, legal, financial planning or investment decisions. This report contains no investment recommendations and you should not interpret the statements in this report as investment, tax, legal, or financial planning advice. UMB Investment Management obtained information used in this report from third-party sources it believes to be reliable, but this information is not necessarily comprehensive and UMB Investment Management does not guarantee that it is accurate.

All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Neither UMB Investment Management nor its affiliates, directors, officers, employees or agents accepts any liability for any loss or damage arising out of your use of all or any part of this report.

“UMB” – Reg. U.S. Pat. & Tm. Off. Copyright © 2012. UMB Financial Corporation. All Rights Reserved.

*Investment Products Offered Through UMB Financial Services, Inc

Member FINRA, SIPC

NOT FDIC INSURED/ NO BANK GUARANTEE/ MAY LOSE VALUE


K.C. Mathews joined UMB in 2002. As executive vice president and chief investment officer, Mr. Mathews is responsible for the development, execution and oversight of UMB’s investment strategy. He is chairman of the Trust Investment, Asset Allocation and Trust Policy Committees. Mr. Mathews has more than 20 years of diverse experience in the investment industry. Prior to joining UMB, he served as vice president and manager of the portfolio management group at Bank of Oklahoma for nine years. Mr. Mathews earned a bachelor’s degree from the University of Minnesota and a master’s degree in business administration from the University of Notre Dame. Mr. Mathews attended the ABA National Trust School at Northwestern University and is a Chartered Financial Analyst and member of the CFA Institute. He is past president of the Kansas City CFA Society and a past president of the Oklahoma Society of Financial Analysts.



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The Credit Conversation: Now is the time to talk with your private banker

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Personal lending was a completely different world just a few short years ago. With shifts in the financial landscape, economic uncertainty and low interest rates, this is a good time for you to talk with a private banker and create a financial plan for the future—and the conversation should start with the topic of credit.

What was best for a person five years ago may not be the right choice now. Markets shift, and it’s important to occasionally survey the financial landscape with your private banker and possibly prepare for new opportunities.

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  • Work with advisors, not transaction managers.
    Sound financial planning is built on strong relationships, not individual transactions. Those relationships are built on knowledge and trust. A private banker should be acting as your advisor so they can help you make decisions that fit both your short- and long-term goals. Advisors will focus on tomorrow’s financial decisions, not today’s transaction.
  • Don’t make credit decisions with blinders on.
    No financial decision should be made without knowing the overall financial picture. In a trustworthy banking relationship, your private banker works alongside an entire team of experts to determine the best lending solutions for areas such as investment, tax and retirement purposes while also taking into consideration the overall wealth and estate plan.
  • Create a customized credit plan.
    It’s important to understand all the options. The truth: most people don’t proactively manage the borrowing side of their personal balance sheets when they plan to purchase a luxury vehicle, a business or a second home. That may stem from not knowing all of the varied credit options available.

    A private banker can help you explore and customize lending solutions to match risk and best leverage your assets. This provides you with options that may extend beyond the ones commonly offered in the marketplace.
  • Prepare for the unexpected with a line of credit.
    As the old saying goes, the time to borrow money is when you don’t need it. For example, a line of credit can be an invaluable tool to help you prepare for the unexpected and manage your overall financial picture. 

    Lines of credit can be used for a wide variety of purposes, including major ticket purchases, home improvements, education and medical bills. Additionally, lines of credit can provide you with peace of mind if and when unexpected expenses occur.

As you plan for your future, it’s important to talk with a professional who can ensure you are taking full advantage of the many credit solutions available to you while also providing you with advice related to your overall wealth plan.

When you click links marked with the “‡” symbol, you will leave UMB’s website and go to websites that are not controlled by or affiliated with UMB. We have provided these links for your convenience. However, we do not endorse or guarantee any products or services you may view on other sites. Other websites may not follow the same privacy policies and security procedures that UMB does, so please review their policies and procedures carefully.


Ms. Stokes is a senior vice president and director of Private Banking at UMB. She is responsible for driving sales and relationship management activities. She works closely with the Wealth Management leadership team and regional presidents to grow business and helps to develop roles in wealth management, relationship management and presentation skills. She joined UMB in 2009 and has more than 30 years of experience in the financial services industry. She earned a bachelor’s degree in business administration from the University of Missouri- Kansas City and a Bachelor of Arts from the graduate school of retail banking.



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Website maintenance this weekend

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Our umb.com website will be undergoing maintenance in the early hours of Sunday morning. It will be unavailable from 12:30 a.m. – 5:30 a.m. (CST) on Sunday, February 23. Text and mobile banking will be available at this time. We apologize for the inconvenience.

 

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UMB Financial Corporation (Nasdaq: UMBF) is a financial services holding company headquartered in Kansas City, Mo., offering complete banking, payment solutions, asset servicing and institutional investment management to customers. UMB operates banking and wealth management centers throughout Missouri, Illinois, Colorado, Kansas, Oklahoma, Nebraska and Arizona. It also has a loan production office in Texas. Subsidiaries of the holding company 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.



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