QUESTIONS AND ANSWERS ABOUT
THE ANNUAL MEETING, THESE PROXY MATERIALS, AND VOTING YOUR SHARES
Why did I receive these proxy materials?
You received our proxy statement and Annual Report on Form 10-K (collectively, Annual
Report), or notice of internet availability of the foregoing, as applicable, because UMBs Board of Directors (the Board) is soliciting your proxy to vote at the Annual Meeting. This proxy statement contains
information that we are required to provide you under the rules of the U.S. Securities and Exchange Commission (the SEC) and is intended to assist you in voting your shares.
What is a proxy?
A proxy is your grant
of authority to another person to vote your shares. The person granted this authority is also called a proxy. When you designate a proxy, you may direct the proxy how to vote your shares.
Why are you holding a virtual meeting instead of a physical meeting?
Due to the continuation of the COVID-19 pandemic, and out of concern for the health and well-being of
our partners, shareholders and associates, we believe the choice to have our 2021 Annual Meeting of Shareholders virtually is a prudent one. Despite the circumstances, we are pleased to utilize the latest technology to provide expanded access for
the shareholders of the Company. Hosting a virtual meeting will enable more of our shareholders to attend and participate in the meeting as they may participate from any location around the world with Internet access.
What if I have trouble accessing the Annual Meeting virtually?
The virtual meeting platform is supported across browsers (Internet Explorer, Firefox, Chrome and Safari) and devices (desktops, laptops,
tablets and cell phones) running the most up-to-date version of applicable software and plugins. Participants should ensure that they have a strong Internet connection
wherever they intend to participate in the meeting. We encourage you to access the meeting prior to the start time. A link on the meeting page will provide further assistance should you need it or you may call 1-888-724-2416.
Who may vote at the Annual Meeting?
Shareholders of record at the close of business on the record date may vote at the Annual Meeting. As of the record date, 48,228,657 shares of
UMB stock were issued and outstanding and, therefore, eligible to be voted at the Annual Meeting. Each share of UMB stock is entitled to one vote.
Who
is a shareholder of record or a beneficial owner?
Shareholders of record or record holders have
shares of UMB stock registered in their names, either in book entry or certificate form, with our transfer agent, Computershare Trust Company. Beneficial owners, in contrast, own shares of UMB stock that are held in street
name through a broker, bank, or other nominee.
Beneficial owners generally cannot vote their shares directly and must instead
instruct their brokers, banks, or other nominees how to vote the shares. If you are a beneficial owner of UMB stock, your proxy is being solicited through your broker, bank, or other nominee.
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