<?xml version="1.0" encoding="UTF-8"?>
<edgarSubmission xmlns="http://www.sec.gov/edgar/mafiler" xmlns:com="http://www.sec.gov/edgar/common_ma" xmlns:com1="http://www.sec.gov/edgar/common" xmlns:ma="http://www.sec.gov/edgar/ma_drp" xmlns:ma1="http://www.sec.gov/edgar/ma_common_drp">
  <headerData>
    <submissionType>MA-A</submissionType>
    <filerInfo>
      <com:filer>
        <com1:filerId>0000780789</com1:filerId>
        <com1:filerCcc>XXXXXXXX</com1:filerCcc>
      </com:filer>
      <com:contact>
        <com1:name>Christopher Long</com1:name>
        <com1:phoneNumber>816-860-8763</com1:phoneNumber>
      </com:contact>
      <com:contactEmail>christopher.long@umb.com</com:contactEmail>
      <com:notifications>
        <com1:internetNotificationAddress>angie.gates@umb.com</com1:internetNotificationAddress>
        <com1:internetNotificationAddress>jeffrey.maxwell@umb.com</com1:internetNotificationAddress>
        <com1:internetNotificationAddress>leila.douglas@umb.com</com1:internetNotificationAddress>
      </com:notifications>
    </filerInfo>
  </headerData>
  <formData>
    <fiscalYearEnd>12-31-2025</fiscalYearEnd>
    <hasChanges>Y</hasChanges>
    <firmName>UMB FINANCIAL SERVICES, INC.</firmName>
    <firmCrdNumber>17073</firmCrdNumber>
    <irsNum>43-1381257</irsNum>
    <registrations>
      <baseRegistrations>
        <maRegistration>
          <com:fileNumber>867-02509</com:fileNumber>
        </maRegistration>
        <baseRegistrations>
          <com:bdRegistration>
            <com:fileNumber>008-34999</com:fileNumber>
            <com:crdNumber>17073</com:crdNumber>
          </com:bdRegistration>
          <com:iaRegistration>
            <com:nonExempt>
              <com:secRegistration>
                <com:fileNumber>801-62967</com:fileNumber>
                <com:crdNumber>17073</com:crdNumber>
              </com:secRegistration>
            </com:nonExempt>
          </com:iaRegistration>
        </baseRegistrations>
      </baseRegistrations>
    </registrations>
    <principalOfficeAddress>
      <addressInfo>
        <com:address>
          <com1:street1>928 GRAND AVENUE</com1:street1>
          <com1:street2>4th Floor</com1:street2>
          <com1:city>KANSAS CITY</com1:city>
          <com1:stateOrCountry>MO</com1:stateOrCountry>
          <com1:zipCode>64106</com1:zipCode>
        </com:address>
      </addressInfo>
      <phoneNumber>816-860-8796</phoneNumber>
      <faxNumber>816-860-3689</faxNumber>
    </principalOfficeAddress>
    <additionalOffices>
      <additionalOffice>
        <addDeleteAmend>
          <com:add>Add</com:add>
        </addDeleteAmend>
        <officeInfo>
          <phoneNumber>303-839-2287</phoneNumber>
        </officeInfo>
      </additionalOffice>
      <additionalOffice>
        <addDeleteAmend>
          <com:add>Add</com:add>
        </addDeleteAmend>
        <officeInfo>
          <phoneNumber>602-337-6965</phoneNumber>
        </officeInfo>
      </additionalOffice>
      <additionalOffice>
        <addDeleteAmend>
          <com:add>Add</com:add>
        </addDeleteAmend>
        <officeInfo>
          <addressInfo>
            <com:address>
              <com1:street1>7155 LAKE DRIVE</com1:street1>
              <com1:street2>SUITE 120</com1:street2>
              <com1:city>WEST DES MOINES</com1:city>
              <com1:stateOrCountry>IA</com1:stateOrCountry>
              <com1:zipCode>50266</com1:zipCode>
            </com:address>
          </addressInfo>
          <phoneNumber>515-368-6073</phoneNumber>
        </officeInfo>
      </additionalOffice>
      <additionalOffice>
        <addDeleteAmend>
          <com:add>Add</com:add>
        </addDeleteAmend>
        <officeInfo>
          <phoneNumber>314-477-8168</phoneNumber>
        </officeInfo>
      </additionalOffice>
    </additionalOffices>
    <mailingAddressDifferent>N</mailingAddressDifferent>
    <primaryWebAddress>https://www.umb.com/institutional-banking/capital-markets-division/municipal-advisory</primaryWebAddress>
    <cco>
      <name>
        <com:firstName>CHRISTOPHER</com:firstName>
        <com:middleName>SHELDON</com:middleName>
        <com:lastName>LONG</com:lastName>
      </name>
      <phoneNumber>816-860-8763</phoneNumber>
      <email>christopher.long@umb.com</email>
    </cco>
    <contactPerson>
      <name>
        <com:firstName>ANGIE</com:firstName>
        <com:middleName>GAYE</com:middleName>
        <com:lastName>GATES</com:lastName>
      </name>
      <address>
        <com:address>
          <com1:street1>928 Grand</com1:street1>
          <com1:street2>4th Floor</com1:street2>
          <com1:city>Kansas City</com1:city>
          <com1:stateOrCountry>MO</com1:stateOrCountry>
          <com1:zipCode>64106</com1:zipCode>
        </com:address>
      </address>
      <phoneNumber>816-860-8796</phoneNumber>
      <email>angie.gates@umb.com</email>
    </contactPerson>
    <businessAffiliates>
      <businessAffiliate>
        <affiliateName>UMB FINANCIAL CORPORATION</affiliateName>
        <hasApplicableRegistration>N</hasApplicableRegistration>
      </businessAffiliate>
    </businessAffiliates>
    <formOfOrganization>
      <formOrgType>
        <formOrgTypes>
          <Corporation/>
        </formOrgTypes>
      </formOrgType>
    </formOfOrganization>
    <monthOfFiscalYearEnd>December</monthOfFiscalYearEnd>
    <organizedJurisdiction>
      <com1:stateOrCountry>MO</com1:stateOrCountry>
    </organizedJurisdiction>
    <dateOfOrganization>10-07-1985</dateOfOrganization>
    <isPrcApplicant>N</isPrcApplicant>
    <numberOfEmployees>8</numberOfEmployees>
    <employeesEngagedInMAA>6</employeesEngagedInMAA>
    <maaEmployeesRegBD>6</maaEmployeesRegBD>
    <maaRegIA>0</maaRegIA>
    <numberOfSolicitingFirms>0</numberOfSolicitingFirms>
    <clientsServedAsMA>55</clientsServedAsMA>
    <typesOfClients>
      <typesOfClients>
        <clientTypes>Municipal Entities</clientTypes>
        <clientTypes>Non-profit organizations</clientTypes>
      </typesOfClients>
    </typesOfClients>
    <numberOfSolicitedME>0</numberOfSolicitedME>
    <numberOfSolicitedOP>0</numberOfSolicitedOP>
    <totalNumberOfSolicitedMEAndOP>0</totalNumberOfSolicitedMEAndOP>
    <typesOfSolicitedPersons>
      <solicitationPersonTypes>
        <solicitationPersonTypes>Not Applicable</solicitationPersonTypes>
      </solicitationPersonTypes>
    </typesOfSolicitedPersons>
    <meOrOPCompensationTypes>
      <compensationTypes>
        <compensationTypes>Hourly Charges</compensationTypes>
        <compensationTypes>Fixed Fees</compensationTypes>
        <compensationTypes>Contingent Fees</compensationTypes>
      </compensationTypes>
    </meOrOPCompensationTypes>
    <solicitationCompensationTypes>
      <compensationTypes>
        <compensationTypes>Not Applicable</compensationTypes>
      </compensationTypes>
    </solicitationCompensationTypes>
    <engagedActivities>
      <engagedActivityTypes>
        <engagedActivityType>Advice Insurance Of MS</engagedActivityType>
        <engagedActivityType>Advice Investment Of Proceeds MS</engagedActivityType>
        <engagedActivityType>Advice ME Investments</engagedActivityType>
        <engagedActivityType>Advice ME Other Investments</engagedActivityType>
        <engagedActivityType>Advice Guaranteed IC</engagedActivityType>
        <engagedActivityType>Advice Use Of MD</engagedActivityType>
        <engagedActivityType>Advice On Selection</engagedActivityType>
        <engagedActivityType>Brokerage Of MEI</engagedActivityType>
      </engagedActivityTypes>
    </engagedActivities>
    <otherActivities>
      <brokerDealers>
        <isActivelyEngaged>Y</isActivelyEngaged>
        <isPrimaryBusiness>Y</isPrimaryBusiness>
      </brokerDealers>
      <insurance>
        <isActivelyEngaged>Y</isActivelyEngaged>
      </insurance>
      <investmentAdvisor>
        <isActivelyEngaged>Y</isActivelyEngaged>
        <isPrimaryBusiness>Y</isPrimaryBusiness>
      </investmentAdvisor>
    </otherActivities>
    <isEngagedInOtherNonMAABusiness>N</isEngagedInOtherNonMAABusiness>
    <fiaAssociatedPersonsTypes>
      <fiaAPTypes>Broker-dealer municipal securities dealer or government securities broker or dealer</fiaAPTypes>
      <fiaAPTypes>Investment Adviser</fiaAPTypes>
      <fiaAPTypes>Banking/Thrift institution</fiaAPTypes>
      <fiaAPTypes>Trust Company</fiaAPTypes>
      <fiaAPTypes>Insurance company or agency</fiaAPTypes>
      <fiaAPTypes>Sponsor or syndicator of limited partnerships</fiaAPTypes>
    </fiaAssociatedPersonsTypes>
    <totalFIAAssociatedPersons>3</totalFIAAssociatedPersons>
    <fiaAssociatedPersons>
      <fiaAssociatedPerson>
        <type>
          <com:add>Add</com:add>
        </type>
        <apTypes>
          <fiaAPTypes>Banking/Thrift institution</fiaAPTypes>
          <fiaAPTypes>Trust Company</fiaAPTypes>
        </apTypes>
        <legalName>UMB BANK N.A.</legalName>
        <primaryBusinessName>UMB BANK N.A.</primaryBusinessName>
        <otherMunicipalAdviser>
          <isControlOrControlled>N</isControlOrControlled>
          <isUnderCommonControl>Y</isUnderCommonControl>
          <isRegisteredWithFFRA>N</isRegisteredWithFFRA>
        </otherMunicipalAdviser>
      </fiaAssociatedPerson>
      <fiaAssociatedPerson>
        <type>
          <com:add>Add</com:add>
        </type>
        <apTypes>
          <fiaAPTypes>Insurance company or agency</fiaAPTypes>
        </apTypes>
        <legalName>UMB INSURANCE, INC</legalName>
        <primaryBusinessName>UMB INSURANCE, INC</primaryBusinessName>
        <otherMunicipalAdviser>
          <isControlOrControlled>N</isControlOrControlled>
          <isUnderCommonControl>Y</isUnderCommonControl>
          <isRegisteredWithFFRA>N</isRegisteredWithFFRA>
        </otherMunicipalAdviser>
      </fiaAssociatedPerson>
      <fiaAssociatedPerson>
        <type>
          <com:add>Add</com:add>
        </type>
        <apTypes>
          <fiaAPTypes>Investment Adviser</fiaAPTypes>
        </apTypes>
        <legalName>UMB Asset Management</legalName>
        <primaryBusinessName>UMB Asset Management</primaryBusinessName>
        <otherMunicipalAdviser>
          <isControlOrControlled>N</isControlOrControlled>
          <isUnderCommonControl>Y</isUnderCommonControl>
          <isRegisteredWithFFRA>N</isRegisteredWithFFRA>
        </otherMunicipalAdviser>
      </fiaAssociatedPerson>
    </fiaAssociatedPersons>
    <participationInterestMACT>
      <mactBuySellFromClients>N</mactBuySellFromClients>
      <mactBuySellRecommendToClients>N</mactBuySellRecommendToClients>
      <mactEnterDerivativesWithClients>N</mactEnterDerivativesWithClients>
      <mactRecommendOwnedInterestToClients>N</mactRecommendOwnedInterestToClients>
      <mactRecommendToClientsServing>N</mactRecommendToClientsServing>
      <mactRecommendToClientsHavingOtherSalesInterest>N</mactRecommendToClientsHavingOtherSalesInterest>
      <mactDiscAuthBuySellAsMAA>N</mactDiscAuthBuySellAsMAA>
      <mactDiscAuthBuySell>N</mactDiscAuthBuySell>
      <mactDiscAuthDetermineBrokerDealer>N</mactDiscAuthDetermineBrokerDealer>
      <mactDiscAuthDetermineCommissionToBrokerDealer>N</mactDiscAuthDetermineCommissionToBrokerDealer>
      <mactRecommendBrokerDealerToClient>N</mactRecommendBrokerDealerToClient>
      <mactCompensateForReferrals>N</mactCompensateForReferrals>
      <mactReceiveCompensationForReferrals>N</mactReceiveCompensationForReferrals>
    </participationInterestMACT>
    <section1215DPublicReportingCompanies>
      <section1215DPublicReportingCompany>
        <name>UMB FINANCIAL CORP</name>
        <cik>0000101382</cik>
        <reportingSchedules>
          <reportingSchedule>Schedule A</reportingSchedule>
        </reportingSchedules>
      </section1215DPublicReportingCompany>
    </section1215DPublicReportingCompanies>
    <disclosureAnswers>
      <criminalDisclosure>
        <com:isConvictedOfFelony>N</com:isConvictedOfFelony>
        <com:isChargedWithFelony>N</com:isChargedWithFelony>
        <com:isOrgConvictedOfFelony>N</com:isOrgConvictedOfFelony>
        <com:isOrgChargedWithFelony>N</com:isOrgChargedWithFelony>
      </criminalDisclosure>
      <regulatoryDisclosure>
        <com:isMadeFalseStatement>N</com:isMadeFalseStatement>
        <com:isViolatedRegulation>Y</com:isViolatedRegulation>
        <com:isCauseOfDenial>N</com:isCauseOfDenial>
        <com:isOrderAgainst>Y</com:isOrderAgainst>
        <com:isImposedPenalty>Y</com:isImposedPenalty>
        <com:isUnEthical>Y</com:isUnEthical>
        <com:isFoundInViolationOfRegulation>Y</com:isFoundInViolationOfRegulation>
        <com:isFoundInCauseOfDenial>N</com:isFoundInCauseOfDenial>
        <com:isOrderAgainstActivity>Y</com:isOrderAgainstActivity>
        <com:isDeniedLicense>N</com:isDeniedLicense>
        <com:isFoundMadeFalseStatement>N</com:isFoundMadeFalseStatement>
        <com:isFoundInViolationOfRules>N</com:isFoundInViolationOfRules>
        <com:isFoundInCauseOfSuspension>N</com:isFoundInCauseOfSuspension>
        <com:isDiscipliend>N</com:isDiscipliend>
        <com:isAuthorizedToActAttorney>N</com:isAuthorizedToActAttorney>
        <com:isRegulatoryComplaint>N</com:isRegulatoryComplaint>
      </regulatoryDisclosure>
      <civilDisclosure>
        <com:isEnjoined>N</com:isEnjoined>
        <com:isFoundInViolationOfRegulation>N</com:isFoundInViolationOfRegulation>
        <com:isDismissed>N</com:isDismissed>
        <com:isNamedInCivilProceeding>N</com:isNamedInCivilProceeding>
      </civilDisclosure>
    </disclosureAnswers>
    <hasAnnualReceiptsLessThan7Million>N</hasAnnualReceiptsLessThan7Million>
    <isAffiliatedWithReceiptsMoreThan7Million>N</isAffiliatedWithReceiptsMoreThan7Million>
    <scheduleA>
      <businesses>
        <business>
          <name>UMB FINANCIAL CORP</name>
          <controPersonPR>Y</controPersonPR>
          <deFeNp>
            <de/>
          </deFeNp>
          <irsNum>43-0903811</irsNum>
          <baseInformation>
            <titleStatus>STOCKHOLDER</titleStatus>
            <statusAcquired>05-01-2015</statusAcquired>
            <ownershipCode>E</ownershipCode>
            <isControPerson>Y</isControPerson>
          </baseInformation>
        </business>
      </businesses>
      <persons>
        <person>
          <name>
            <com:firstName>CHRISTOPHER</com:firstName>
            <com:middleName>SHELDON</com:middleName>
            <com:lastName>LONG</com:lastName>
          </name>
          <baseInformation>
            <titleStatus>CHIEF COMPLIANCE OFFICER</titleStatus>
            <statusAcquired>01-20-2020</statusAcquired>
            <ownershipCode>NA</ownershipCode>
            <isControPerson>N</isControPerson>
            <crdNumber>6076540</crdNumber>
          </baseInformation>
        </person>
        <person>
          <name>
            <com:firstName>ANGELA</com:firstName>
            <com:middleName>GAYE</com:middleName>
            <com:lastName>GATES</com:lastName>
          </name>
          <baseInformation>
            <titleStatus>PRESIDENT / TREASURER</titleStatus>
            <statusAcquired>10-01-2009</statusAcquired>
            <ownershipCode>NA</ownershipCode>
            <isControPerson>N</isControPerson>
            <crdNumber>2626070</crdNumber>
          </baseInformation>
        </person>
        <person>
          <name>
            <com:firstName>PHILLIP</com:firstName>
            <com:middleName>JAMES</com:middleName>
            <com:lastName>MASON</com:lastName>
          </name>
          <baseInformation>
            <titleStatus>DIRECTOR</titleStatus>
            <statusAcquired>01-01-2017</statusAcquired>
            <ownershipCode>NA</ownershipCode>
            <isControPerson>N</isControPerson>
            <crdNumber>6246519</crdNumber>
          </baseInformation>
        </person>
        <person>
          <name>
            <com:firstName>JEFFREY</com:firstName>
            <com:middleName>THOMAS</com:middleName>
            <com:lastName>MAXWELL</com:lastName>
          </name>
          <baseInformation>
            <titleStatus>CAO</titleStatus>
            <statusAcquired>08-01-2005</statusAcquired>
            <ownershipCode>NA</ownershipCode>
            <isControPerson>N</isControPerson>
            <crdNumber>2626068</crdNumber>
          </baseInformation>
        </person>
        <person>
          <name>
            <com:firstName>BENJAMIN</com:firstName>
            <com:middleName>JOSEPH</com:middleName>
            <com:lastName>SKILLING</com:lastName>
          </name>
          <baseInformation>
            <titleStatus>DIRECTOR</titleStatus>
            <statusAcquired>01-01-2023</statusAcquired>
            <ownershipCode>NA</ownershipCode>
            <isControPerson>N</isControPerson>
            <crdNumber>4686294</crdNumber>
          </baseInformation>
        </person>
        <person>
          <name>
            <com:firstName>Thomas</com:firstName>
            <com:middleName>Harold</com:middleName>
            <com:lastName>Massey</com:lastName>
          </name>
          <baseInformation>
            <titleStatus>Director</titleStatus>
            <statusAcquired>01-02-2023</statusAcquired>
            <ownershipCode>NA</ownershipCode>
            <isControPerson>N</isControPerson>
            <crdNumber>2022653</crdNumber>
          </baseInformation>
        </person>
        <person>
          <name>
            <com:firstName>Phillip</com:firstName>
            <com:middleName>Michael</com:middleName>
            <com:lastName>Klevorn</com:lastName>
          </name>
          <baseInformation>
            <titleStatus>Director</titleStatus>
            <statusAcquired>10-01-2024</statusAcquired>
            <ownershipCode>NA</ownershipCode>
            <isControPerson>N</isControPerson>
            <crdNumber>4852039</crdNumber>
          </baseInformation>
        </person>
      </persons>
    </scheduleA>
    <scheduleC>
      <directBusinesses>
        <business>
          <baseInformation>
            <name>UMB FINANCIAL CORP</name>
            <controPersonPR>Y</controPersonPR>
            <deFeNp>
              <de/>
            </deFeNp>
            <irsNum>43-0903811</irsNum>
            <baseInformation>
              <titleStatus>STOCKHOLDER</titleStatus>
              <statusAcquired>05-01-2015</statusAcquired>
              <ownershipCode>E</ownershipCode>
              <isControPerson>Y</isControPerson>
            </baseInformation>
          </baseInformation>
        </business>
      </directBusinesses>
      <directPersons>
        <person>
          <baseInformation>
            <name>
              <com:firstName>CHRISTOPHER</com:firstName>
              <com:middleName>SHELDON</com:middleName>
              <com:lastName>LONG</com:lastName>
            </name>
            <baseInformation>
              <titleStatus>CHIEF COMPLIANCE OFFICER</titleStatus>
              <statusAcquired>01-20-2020</statusAcquired>
              <ownershipCode>NA</ownershipCode>
              <isControPerson>N</isControPerson>
              <crdNumber>6076540</crdNumber>
            </baseInformation>
          </baseInformation>
        </person>
        <person>
          <baseInformation>
            <name>
              <com:firstName>ANGELA</com:firstName>
              <com:middleName>GAYE</com:middleName>
              <com:lastName>GATES</com:lastName>
            </name>
            <baseInformation>
              <titleStatus>PRESIDENT / TREASURER</titleStatus>
              <statusAcquired>10-01-2009</statusAcquired>
              <ownershipCode>NA</ownershipCode>
              <isControPerson>N</isControPerson>
              <crdNumber>2626070</crdNumber>
            </baseInformation>
          </baseInformation>
        </person>
        <person>
          <baseInformation>
            <name>
              <com:firstName>PHILLIP</com:firstName>
              <com:middleName>JAMES</com:middleName>
              <com:lastName>MASON</com:lastName>
            </name>
            <baseInformation>
              <titleStatus>DIRECTOR</titleStatus>
              <statusAcquired>01-01-2017</statusAcquired>
              <ownershipCode>NA</ownershipCode>
              <isControPerson>N</isControPerson>
              <crdNumber>6246519</crdNumber>
            </baseInformation>
          </baseInformation>
        </person>
        <person>
          <baseInformation>
            <name>
              <com:firstName>JEFFREY</com:firstName>
              <com:middleName>THOMAS</com:middleName>
              <com:lastName>MAXWELL</com:lastName>
            </name>
            <baseInformation>
              <titleStatus>CAO</titleStatus>
              <statusAcquired>08-01-2005</statusAcquired>
              <ownershipCode>NA</ownershipCode>
              <isControPerson>N</isControPerson>
              <crdNumber>2626068</crdNumber>
            </baseInformation>
          </baseInformation>
        </person>
        <person>
          <baseInformation>
            <name>
              <com:firstName>BENJAMIN</com:firstName>
              <com:middleName>JOSEPH</com:middleName>
              <com:lastName>SKILLING</com:lastName>
            </name>
            <baseInformation>
              <titleStatus>DIRECTOR</titleStatus>
              <statusAcquired>01-01-2023</statusAcquired>
              <ownershipCode>NA</ownershipCode>
              <isControPerson>N</isControPerson>
              <crdNumber>4686294</crdNumber>
            </baseInformation>
          </baseInformation>
        </person>
        <person>
          <type>
            <com:amend>Amend</com:amend>
          </type>
          <baseInformation>
            <name>
              <com:firstName>Thomas</com:firstName>
              <com:middleName>Harold</com:middleName>
              <com:lastName>Massey</com:lastName>
            </name>
            <baseInformation>
              <titleStatus>Director</titleStatus>
              <statusAcquired>01-02-2023</statusAcquired>
              <ownershipCode>NA</ownershipCode>
              <isControPerson>N</isControPerson>
              <crdNumber>2062653</crdNumber>
            </baseInformation>
          </baseInformation>
        </person>
        <person>
          <baseInformation>
            <name>
              <com:firstName>Phillip</com:firstName>
              <com:middleName>Michael</com:middleName>
              <com:lastName>Klevorn</com:lastName>
            </name>
            <baseInformation>
              <titleStatus>Director</titleStatus>
              <statusAcquired>10-01-2024</statusAcquired>
              <ownershipCode>NA</ownershipCode>
              <isControPerson>N</isControPerson>
              <crdNumber>4852039</crdNumber>
            </baseInformation>
          </baseInformation>
        </person>
      </directPersons>
    </scheduleC>
    <drpInfo>
      <ma:regulatoryDisclosure>
        <ma:regulatoryDrp>
          <ma:headerData>
            <ma:baseHeader>
              <ma:type>
                <ma1:amend/>
              </ma:type>
              <ma:apDrpFiledCount>1</ma:apDrpFiledCount>
              <ma:drpFor>
                <ma1:ap/>
              </ma:drpFor>
            </ma:baseHeader>
            <ma:respondingTo>
              <ma:responseQuestion>9-D1</ma:responseQuestion>
              <ma:responseQuestion>9-D2</ma:responseQuestion>
              <ma:responseQuestion>9-D4</ma:responseQuestion>
            </ma:respondingTo>
          </ma:headerData>
          <ma:apInfo>
            <ma:associatedPerson>
              <ma:apType>
                <ma:firmInfo>UMB BANK, N.A.</ma:firmInfo>
              </ma:apType>
              <ma:registrationInfo>
                <ma:isSECRegistered>N</ma:isSECRegistered>
              </ma:registrationInfo>
              <ma:drpInfo>
                <ma:filedDisclosure>
                  <ma:advBDU4Filing>
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