UMB Financial Corporation Completes Acquisition of Heartland Financial USA, Inc. on January 31, 2025 (https://finance.yahoo.com/news/umb-financial-corporation-completes-acquisition-210200210.html).

QUANTUMONLINE.COM SECURITY DESCRIPTION:  UMB Financial Corporation Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series A formerly, Heartland Financial USA, Inc. Depositary Shares each representing a 1/400 interest in a share of the Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series E, liquidation preference $25 per depositary share, redeemable at the issuer's option on 07/15/2025 and every July 15 in every fifth year thereafter at $25 per share plus declared and unpaid dividends, and with no stated maturity. Non-cumulative distributions of the Annual Fixed Dividend Rate will be paid quarterly on 1/15, 4/15, 7/15 & 10/15 to holders of record on the record date fixed by the board, not more than 30 days or less than 15 days prior to the payment date (NOTE: the ex-dividend date is one business day prior to the record date). The Annual Fixed Dividend Rate will be 7.00% until the first redemption date, then it will be equal to the sum of the five-year treasury rate on the applicable fixed rate calculation date plus 6.675%, resetting every 5 years thereafter on applicable fixed rate calculation date (see prospectus for more details). The dividends are non-cumulative and if the board of directors does not declare a dividend or the company fails to pay a dividend declared by the board for any quarterly dividend period, the holder will not be entitled to receive any dividend for that quarterly period and the undeclared or unpaid dividend will not accumulate. Dividends paid by this preferred security are eligible for the preferential income tax rate of 15% to a maximum of 20% depending on the holder's tax bracket (and under IRS specified holding restrictions) and are also eligible for the dividends received deduction for corporate holders (see page S-47 of the prospectus for further information). This security is possibly subject to an early call as a result of the occurrence of a regulatory capital treatment event which no longer allows the company to include the funds originating from this security as Tier 1 capital on their balance sheet (see the prospectus for further information). This security was not rated by Moody’s or S&P at the time of its IPO. This security was rated as BBB- by Kroll Bond Rating Agnecy, Inc. at the date of its IPO. In regard to the payment of dividends and upon liquidation, the preferred shares rank junior to the company's senior debt, equally with other preferreds of the company, and senior to the common shares of the company. See the IPO prospectus for further information on the preferred stock by clicking on the ‘Link to IPO Prospectus’ provided below.

Stock Exchange	Cpn Rate Ann Amt	LiqPref CallPrice	Call Date Matur Date	Moodys/S&P Dated	Distribution Dates	15% Tax Rate
NGS Chart	Reset Rate $1.75	$25.00 $25.00	Called for 7/12/2025 None	Baa3 NR 6/02/2025	1/15, 4/15, 7/15 & 10/15 Click for MW ExDiv Date Click for Yahoo ExDiv Date	YES

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Address:   1010 Grand Blvd., Kansas City, MO 64106
Main Phone Number	816-860-7000
Fax Number	Not Available
Investor Relations   Kay Gregory	816-860-7106

CEO - J. Mariner Kemper

CFO - Ram Shankar