UMB Financial Corporation, a multi-bank holding company, provides banking and other financial services to commercial, retail, government, and correspondent bank customers. Its Commercial Financial Services segment offers commercial loans, letters of credit, loan syndication services, consultative services, and various financial options; asset-based financing, asset securitization, equity and mezzanine financing, factoring, private and public placement of senior debt, and merger and acquisition consulting services; and depository, account reconciliation, electronic fund transfer, controlled disbursement, lockbox, and remote deposit capture services. The company’s Institutional Financial Services segment provides various products and services, including bond trading transactions, cash letter collections, FiServ account processing, investment portfolio accounting and safekeeping, reporting for asset/liability management, and Fed funds transactions; and fund administration and accounting, investor services and transfer agency, marketing and distribution, custody, alternative investment, and managed account services. This segment also provides consumer and commercial credit card services, healthcare services, mutual fund cash management, and international payments services. Its Personal Financial Services segment offers checking accounts, estate planning, deposit accounts, private banking, installment loans, home equity lines of credit, residential mortgages, small business loans, brokerage services, and insurance services, as well as investment advisory, trust, and custody services. As of December 31, 2010, the company had 126 branches and 2 wealth management offices in the states of Missouri, Kansas, Colorado, Illinois, Oklahoma, Arizona, Nebraska, Pennsylvania, South Dakota, Indiana, Wisconsin, Utah, New Jersey, and Massachusetts. UMB Financial Corporation was founded in 1967 and is headquartered in Kansas City, Missouri.