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Dynamics and UMB will release the ePlate™ device before Thanksgiving 2012 PITTSBURGH--(BUSINESS WIRE)-- Dynamics Inc., an innovator in next-generation payment devices, announced today that

it is increasing its developer rate from 0.25% of each transaction to 0.5%. The ePlate™ payment device, which was announced earlier this year, will be released before Thanksgiving. “By

doubling the rate to the experience™ providers, Dynamics is doubling the value to the end consumer,” said George Schmelzel, senior vice president of UMB Credit Card Services. The ePlate™

device is a paper-thin, flexible computing platform in a payment card format. The device includes the Electronic Stripe® -- the world's first fully card-programmable magnetic stripe –

which can be read at any existing point-of-sale (POS) magnetic stripe reader. The device will be Visa branded and can be used everywhere Visa cards are accepted. “The Dynamics ePlate™ device

issued by UMB offers consumers the ability to earn exclusive, instant, and personal benefits without requiring the consumer to do anything other than live their everyday life,” stated Jeff

Mullen, Dynamics CEO, “This is just the beginning. As more experience™ providers are announced, the ePlate™ device will only widen the gap from traditional loyalty-oriented credit cards.”

ABOUT UMB BANK: 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. Its banking subsidiaries own and operate banking and wealth management centers throughout Missouri, Illinois, Colorado,

Kansas, Oklahoma, Nebraska and Arizona. Subsidiaries of the holding company and the lead bank, UMB Bank, n.a., 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. For more information, visit umb.com or follow us on Twitter at @UMBBank, Facebook at facebook.com/UMBBank and LinkedIn at linkedin.com/company/umb-bank. About

Dynamics Inc. Dynamics Inc. was founded in 2007 by Jeff Mullen. Dynamics produces and manufactures intelligent powered payment cards and advanced payment platforms. The company has won many

of the world's most prestigious international business plan competitions, including the Rice Business Plan Competition, Carnegie Mellon McGinnis Venture Competition and the University

of San Francisco Business Plan Competition. The company won DEMOgod and the $1M People's Choice Award at DEMO Fall 2010, Best of Show at FinovateFall 2010, FinovateFall 2011, and

FinovateEurope 2012, and Best of Show at BAI Retail Delivery 2011. Dynamics won Best in Show for Personal Electronics and Technology Honors at the 2012 International CES show. Dynamics

investors include Adams Capital Management and Bain Capital Ventures. Dynamics is headquartered in Pittsburgh, Pa. For more information, visit: www.dynamicsinc.com Edelman Corina Chapman,

415-229-7655 (Media) [email protected] Source: Dynamics Inc.