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HomeMy WebLinkAboutRESPONSE - RFP - P1090 PURCHASING CARDSResponse to: REQUEST FOR PROPOSAL P1090 Purchasing Cards 2007 Clot Submitted on November 28, 2007 Submitted by UMB Bank -Commercial Card Services 906 Grand Boulevard, Suite 800 Kansas City, Missouri 64106 Ron Sager 816-843-2261 Matt Matzen 816-843-2953 IMB Count on more customized reporting to be created from over 300 available data fields UMB has many customers who utilize JD Edwards and based on this experience is confident that a mutually acceptable procedure for integrating data can be developed 231 Poudre School District Requirement The vendor must demonstrate the ability to provide appropriately formatted data (tab -delimited text files) Including the ability to extract at a minimum the data fields Date Amount Vendor and Card Number PSD will not require a system Interface to the existing District financial system Utilizing Visa Information Management's File Extract Tool allows UMB to provide data to Poudre School District in a number of formats, including tab delimited, Excel, cii and XML, among others With the File Extract Tool over 300 fields are available to be downloaded, including Transaction Date, Posting Date, Transaction Amount, Vendor Name, Cardholder Name, and Cardholder Number If desired, a mutually acceptable process for interfacing the purchasing card transaction data with the District's financial system can be developed via existing web based technology The UMB Commercial Card Team, along with UMB's Information Technology Department will work with the appropriate Poudre School District parties to develop the processes for interfacing with District's financial system 24 Liability Proposals shall include details related to the City s liability for charges made on lost or stolen cards and a description of any proposed liability protection plan and costs associated with it The City of Fort Collins and cardholders will not be held liable for fraudulent or unauthorized charges on City purchasing cards Once fraudulent or unauthorized charges have been identified, a call by the cardholder or department coordinator should be made to UMB immediately Once notified, UMB will credit the fraudulent transactions and issue a new account within 48 hours Both, UMB's Falcon fraud detection system and the Visa Liability Waiver Program, outlined below, are offered to the City of Fort Collins at no charge UMB utilizes the Falcon fraud detection system to help monitor and alert UMB of unreasonable excessive charges for all credit card programs The Falcon fraud detection system is a neural network model that monitors transactions to determine if the transaction seems to be fraudulent or a legitimate transaction The system looks at spending habits of a cardholder, what kind of purchases the cardholder makes to help monitor for excessive or suspicious activity If there is a suspicious transaction, a call will be made to either the cardholder or the City program administrator by the fraud protection department or by the commercial client representative to ensure that the cardholder did make the purchase For instances of misuse by a City employee on the purchasing card program, the City is protected by the Visa Liability Waiver Program described below The Visa® Liability Waiver Prooram is one of the most valuable core benefits of the UMB Visa Purchasing Card —offering the security and coverage you need to do business with complete confidence This program protects you against eligible losses that might be incurred through card misuse by a terminated employee While cardholder misuse is rare, Visa has recognized that it does occur That is why Visa continues to offer this program, which waives certain eligible charges when an employee misuses Visa Purchasing Card privileges Visa Liability Waiver Program Benefits • Automatic enrollment • No deductible and no extra cost • No maximum cap • Coverage up to $100,000 per cardholder • Coverage for cash advances, officers and ghost accounts Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 9 November 28 2007 UMB Advisory Boards Peter J. Genovese KC Metropolitan Division Bradley R. Johnson Vice Chairman UMB Financial Corporation Community Bank President CEO, St. Louis Region Johnson County, Kansas UMB Bank, n.a. UMB Bank, n.a. Steve Mona Rick S. Bennett CEO Ken E. Kotiza Senior Vice President Golf Course Superintendents President, St. Louis UMB Bank, n.a. Association of America UMB Bank, n.a. Maurice E. Netemeyer Mark J. Henke Executive Director James D. Rine President Catholic Charities Regional President - Community Bankin g Aviston Lumber Company UMB Bank, n.a. Thomas H. Renner, Jr. Justin Hill President Miles E. Schroer Owner The Lawrence Paper Company President and Owner Crown Chevrolet and Toyota Shiloh Valley Equipment Company R. Crosby Kemper Metro Donald P. Rigney Chairman Emeritus Vice President UMB Financial Corporation Kevin S. Anderson Empire Comfort Systems President Thomas Patrick Klein Anderson Metals Corporation, Inc. Ronald G. Skaggs President Community Bank President Andy Klein Pontiac-GMC Dan E. Axtell Jr. UMB Bank, n,a. President St. Charles, Missouri Leo J. Nunnink Lexington Plumbing and Community Bank President Heating Company UMB Bank, n.a. Charles C. Blossom David F. Ball Executive Director Richard S. O'Neill President and COO Boone Center, Inc. Chairman of the Board Ball's Price Chopper and O'Neill Automotive, Inc. Hen House Markets David G. Cosby Vice President Richard S. O'Neill Jr. R. Philip Bixby UMB Bank, n.a. President President and CEO Julia M. Eckstein O'Neill Automotive, Inc. Kansas City Life Insurance Co. President James D. Rine Peter J. deSilva Community Calendars.net, LLC Regional President - Community Banking Chairman and CEO UMB Bank, n.a. UMB Bank, Ha. Peter J. Genovese President and COO Vice Chairman James A. Sangster UMB Financial Corporation UMB Financial Corporation President CEO, St. Louis Region UMB Bank, n.a. Joe E. Dittmer UMB Bank, n.a. Executive Vice President Real Estate Investments UMB Financial Corporation William J. Green William J. French Owner Dave Scheer Vice Chancellor SCI Engineering, Inc. President and CEO University of Missouri -Kansas City Inland Truck Parts Charles R. Gross Jon J. Henderson Vice President Ronald D. Talcott Community Bank President UMB Bank, n.a. Retired UMB Bank, n.a. Ken E. Kotiza Frank L. Thompson Alexander C. Kemper President, St. Louis President Chairmen of the Board UMB Bank, n.a. Overland Park Jeep, Inc. The Collectors Fund Maurice D. Newberry David E. Willson Mariner Kemper Executive Vice President and COO President Chairman and CEO The Newberry Group, Inc. Camp David, Inc. UMB Financial Corporation Harlan Pals Lawrence, Kansas Chairman and CEO UMB Bank Colorado, n.a. Chairmen Principal Pals Group Charles A. Becker R. Crosby Kemper Randall L. Schilling Retired Executive Vice President Chairman Emeritus UMB Financial Corporation President and CEO Campbell -Becker Qullogy Jonathan Lambert Marilyn Bittenbender President David E. Skies Commercial Advisor Pacific Mutual Door Company Senior Vice President Grubb & Ellis, The Wlnbury Group UMB Bank, n.a. 30,31 UMB Advisory Boards Greg S. Maday R. Crosby Kemper CEO Chairman Emeritus SpecCher LLC UMB Financial Corporation James D. Rine Jay W. Kimball, M.D. Regional President - Community Banking UMB Bank, n.a. Anthony L. Privitera II George W. Ryan Jr. Investor Ryck D. Sanders President Midwest Mechanical Services James A. Sangster President UMB Bank, n.a. Executive Vice President UMB Financial Corporation Richard H. Spencer Retired Partner Spencer, Lane, Britt and Browne J. Hal Surface III J, H. S. Associates Marc Taormina, M.D. Midwest Gastroenterology Partners, P.C. William S. Walker President The G. W. Van Keppel Company J. Lyle Wells Jr. Consultant UMB Financial Corporation Jeff Vowell President DATACORE Marketing North Howard E. Bradshaw Investor Thomas Brown Vice President The Hays Group Thomas E. Bresnahan Community Bank President UMB Bank, n.a. John A. Dillingham Chairman Dillingham Enterprises Mrs. Frances A. Caldwell Ervin Retired Jewett Fulkerson Cattle Rancher James Haug President Cater Time Vending Contractor and Developer Mark One Electric Company, Inc. Edwin J. Holland President Treat America Mariner Kemper Chairman and CEO UMB Financial Corporation Chairman and CEO UMB Bank Colorado, na. Russell Redburn R. Crosby Kemper President Chairman Emeritus Central Power Systems & Services UMB Financial Corporation James D. Rine C.F. Long Jr. Regional President - Community Banking Owner UMB Bank. n.a. Peculiar Farm Supply Company James F. Robb Robert D. Long The Robb Companies President The Bretton Corporation James A. Sangster President David T. Raden UMB Bank, n.a. President Executive Vice President Tucker Midwest, Inc. UMB Financial Corporation C. Wayne Reid South President Reid Farms Ray Adams Chairman James D. Rine Adams Automotive Group Regional President - Community Banking UMB Bank, n.a. Don R. Armacost Jr. President and CEO John E. Robertson Peterson Manufacturing Company President RMF Steel Products Company Steve Asies President Thomas D. Sanders Rosehill Gardens, Inc. Consultant to Senior Management MMC Corp. Todd E. Bleakley Manager James A. Sangster Bleakley Development Company, LLC President UMB Bank, na. James M. Bresnahan Executive Vice President Community Bank President UMB Financial Corporation UMB Bank, n.a. Robert W. Spangler Donald L. Chapman Attorney and Partner Investor Crouch, Spangler and Douglas Bryan R. Clark Bruce L. Van Cleave, M.D. Community Bank President President and CEO UMB Bank, n.a. Carondelet Health Kevin F. Clung Wyandotte County, Kansas Owner Clung Equipment Leasing, LLC Eugene D. Brown Investments - Retired Terry Crabtree Retired Patrick J. Crilly President Peter J. deSilva Commercial Claims Chairman and CEO UMB Bank, n.a. Frank E. DeCoursey II President and COO Johnson County Mental Health TIME Financial Corporation Thomas DeCoursey E. Frank Ellis Attorney at Law President and CEO Swope Community Enterprises UMB Advisory Boards Dalton Hermes Daryl D. Roney Barry J. Samis President Community Bank President President and Owner Hermes Company Abilene Banking Center Barry's Drug Store and UMB National Bank of America Dunne Pharmacy Randall P. Kancel Community Bank President William G. Watson William G. Watson UMB Bank, n.a President President UMB National Bank of America UMB National Bank of America R. Crosby Kemper Chairman Emeritus Hudson, Kansas Russell, Kansas UMB Financial Corporation Craig L. Anderson Craig L. Anderson James W. Lacy Chairman and CEO Chairman and CEO President UMB National Bank of America UMB National Bank of America Electrical Corporation of America, Inc. Leon L. Dunn D. Leonard Brown Thomas Lefkovitz Livestock and Grain Producer Farmer and Rancher Retired Gregg K. Fischer Morris F. Krug George A. Moody Jr. Community Bank President Secretary and Treasurer Retired Hudson Banking Center A. W. Krug and Sons, Inc. UMB National Bank of America Dr. John P. Murry Earl D. Merkel, M.D. Retired Reuel L. Foote Murry and Associates Vice President John F. Mills Stafford County Flour Mill Retired James D. Rine Regional President - Community Banking Marlyn E. Spare John A. O'Leary UMB Bank, n.a. Farmer President James A. Sangster Thomas A. Stickney Russell Banking Center UMB National Bank of America President President UMB Bank, in a. Stickney Distributing, Inc. Larry Schaffer Executive Vice President President UMB Financial Corporation Ronald D. Straub Chase Technology, L.C. President Albert Silverman Straub International Kenneth L. Stielow Investor— Retired President William G. Watson Bar Ranch, Inc. Richard L. Wiseman President Co -Owner UMB National Bank of America William G. Watson George F Porter and Sons Funeral Home President Manhattan, Kansas UMB National Bank of America Kansas Region Craig L. Anderson Howard M. Wehrman Chairman and CEO President UMB National Bank of America MHW Enterprises, Inc. Abilene, Kansas H. Alan Bell Anthony H. Witt Jr. Craig L. Anderson Investments Witt Farm Company Chairman and CEO UMB National Bank of America Philip Brokenicky Topeka, Kansas President and CEO Stewart R. Etherington New Horizons RV Corp. Ronald D. Andersen Owner President and Owner Etherington and Co. Realtors Neal L. Farmer ANCO, Inc. Senior Vice President Wendell D. Gal Manhattan Banking Center Craig L. Anderson Retired Chairman and CEO Terry D. Harts Kansas Region Alfred P. Jones Community Bank President UMB Bank, n.a. Retired Manhattan Banking Center UMB National Bank of America John D. DeBacker Dale Koop President President Donald E. Inca DeBacket's, Inc. Crop Service Center, Inc. Retired W. Patrick Robson Robert K. Larsen Stanley DeFries Partner President Retired Coffman, DeFries and Northern, P.A. Robson Oil Company John R. Dietrick CEO and General Counsel Monarch Management Corporation ' !33 UMB Advisory Boards Stuart Douthett Northern Missouri Region John R. Jarrett President CEO Douthett & Company, CPA, PA Breadeaux Pisa, Inc. North Central Jerry Glasgow Mrs. Geraldine C. Lawhon President R.E. (Mike) Baker Retired Performance Tire and Wheel President Pepsi Cola Bottling Company Robert S. Meyers DeWitt Harkness Retired President S. Miles Dickson, DVM Wolfe's Camera John V. Pinzino Wayne A. Foster Community Bank President Patrick W. Michaelis President UMB Bank, n.a. Community Bank President Wayne Foster Farms, Inc. Topeka Banking Center Harry A. Roberts UMB Bank, n.a. Robert V. Green Vice President, Benefits Community Bank President CBIZ BCK&W Insurance Services Pamela Scott UMB Bank, n.a. Executive Director James A. Sangster Kansas Funeral Directors Association J. Stephen Hamilton President Chairman and CEO UMB Bank, n.a. Thomas A. Swank UMB Bank, it Executive Vice President Senior Vice President UMB Financial Corporation CFO/rreasurer Wayne M. Herington Security Benefit Partner Robert L. Thedinger Poole Hardware Retired William G. Watson President - Kansas Region R. Crosby Kemper Atchison, Kansas UMB Bank, n.a. Chairman Emeritus UMB Financial Corporation William J. Foley Wichita, Kansas Investor John M. Perry, DVM Craig L. Anderson Hampton Feedlot, Inc. J. Stephen Hamilton Chairman and CEO Chairman and CEO Kansas Region Barbara Smith UMB Bank, n.a. UMB Bank, n.a. Retired Jonathan D. Mize William J. Behring Larry C. Smith Executive Vice President President President Bllsh-Mize Company Western Uniform and Towel Service, Inc. Smith Motors, Inc. Eric Niemann William J. Hempel Phillip J. Smith Farmer President Executive Vice President Hempel Oil Distributors, Inc. UMB Bank, n.a. Kent R. Wohlgemuth Community Bank President William L. Oliver Jr. Robert W. Wilson UMB Bank, n.a. Martin, Pringle, Oliver, Editor, Publisher and Partner Wallace and Bauer The Milan Standard Oklahoma Region Howard Redburn Northwest Central Power Systems & Services Oklahoma Regional Board Brian Bradley James A. Sangster Director of Human Resources President NPG Co. Craig L. Anderson UMB Bank, n.a. Chairman & CEO Executive Vice President Jack W. Clayton West Central Region UMB Financial Corporation Vice President UMB Bank, n.a. Clayton Paper and Distribution, Inc. William Randall Summers Gentner F. Drummond Senior Vice President James T. Graves Attorney At Law UMB Bank, n.a. Practicing Attorney Drummond, Raymond and Drummond Scopelitls, Garvin, Light & Hanson, P.C. Dan J. Waller Robert J. Fisher Jr. Vice President J. Stephen Hamilton President Condo, Inc. Chairman and CEO Oklahoma National Stock UMB Bank, n.a. Yards Company William G. Watson President - Kansas Region Edward Lawrence Hausman G. N. Furseth UMB Bank, rim. President Producers - Owner At J. Mueller Construction Company G.N. Furseth Oil and Gas Producers UMB Advisory Boards Michael J. Hall Dale Reesman Jefferson City, Missouri CEO Attorney Matrix Service Company Williams, Reesman and Tate George W. Burruss President and CEO Royce M. Hammons Harold W. Schnetzler Missouri Motor Carriers Association Chairman, President and CEO President Oklahoma Region Schnetzler Enterprises Carrie Carroll UMB Bank, no Owner/Manager Todd B. Snapp Carriers Hallmark Shop and Jack S. Henley President Cottonstone Gallery CPA Snapp's Hardware, Inc. Henley and Johnson, PLLC Robert E. Dallmeyer Jr. Gil Trout Retired James C. Kneels Chairman & CEO President & COO South Central Region F. Joe Delong ONEOK, Inc. UMB Bank, n-a. Owner and CEO Delong's, Inc. Ralph L. Mason Columbia, Missouri Investments Sherry Doctorian Mason-Harrison-Jarrard Enterprises Roland S. Bartels Partner Partner Armstrong-Teasdale Law Firm Tom J. McDaniel Emery Sapp and Sons, Inc. President Robert L. Hawkins Jr. Oklahoma City University Charles P. Bondurant V, MD Retired Physicians Resources, Inc. Douglas F. Page Brian D. Neuner Executive Vice President Jason A. Burchfield Community Bank President, UMB Bank, n.a. Preadent/OWner Columbia Executive Vice President Wilgate Development, LLC UMB Bank, n.a. UMB Financial Corporation Gary R. Drawing Mary McCleary Posner William F. Shdeed President and C, Owner Principal and President Attorney at Law Joe Machens Ford Posner McCleary, Inc. Roger N. Simons Susan L. Horak Larry V. Schepers President and CEO RE-MAXBoone Realty Retired Simons Petroleum, Inc. UMB Bank, n.a. Stephen C. Knorr Assistant to the President - R. Brad Scrivner South Central Missouri Region Federal Relations Community Bank President University of Missouri Jefferson City UMB Bank, no Boonville, Missouri Don L. Landers Owner Rod Smith William A. Abele, M.D. Landers Weiss and Company, LLC Sports Director Retired KRCG TV 13 Mark viable Larry E. Grissum MUM Enterprises Gil Trout Partner Chairman & CEO Grissum Farms, Inc. Brian D. Neuner South Central Region Community Bank President UMB Bank, n.a, Robert O. Herturth Columbia Retired UMB Bank, n.a. Springfield, Missouri Kenneth Huth Mary McCleary Posner Ann Marie Baker Partner Principal and President Community Bank President Huth Farms Partnership Posner McCleary, Inc. UMB Bank, n.a. Marty L. James Gil Trout Annie Busch Community Bank President Chairman & CEO Executive Director UMB Bank, n.a. South Central Region Springfield Green County Library UMB Bank, n.a. John G. Jewett William H. Darr Retired Accountant and Farmer Randall Wright Chairman General Manager American Dehydrated Foods, IncJ Charles P. Malone KMIZ-17, Fox 11 International Dehydrated Foods, Inc. Retired Certified Public Accountant Harold Garrison President Lewis W. Miller Advantage Marketing Company Retired 34135 UMB Advisory Boards 36 Peter J. Genovese David G. Sanders Monett, Missouri Vice Chairman Retired UMB Financial Corporation Denny Bond CEO, St. Louis Region James K. Seitz Community Bank President UMB Bank, n.a. Community Bank President UMB Bank, n.a. UMB Bank, n.a. John T. Gentry Michael D. Garrett President and CEO Gil Trout Associate Circuit Judge Posltronic Industries, Inc. Chairman and CEO South Central Region Steve Kay Donald Golik UMB Bank, n.a. Vice President Chairman of the Board & CFO Kay Concrete Materials Company Paul Mueller Company Allan VanDenBerg President Gerald A. McCaffrey Louis Griesemer Label Industries, Inc. President President doe National Tool Warehouse Grande Tire Company Springfield Underground, Inc. Ft. Scott, Kansas William H. Medlin Rex W. Kay President President Kenneth S. Anderson V.B. Hall Wholesale Company Kay Concrete Materials Company Community Bank President UMB Bank, n.a. Nolan R. Meier Alvin Rohrs Dairy Farmer President and CEO David R. Shepherd Students in Free Enterprise President Howard R. Randall Shepherd Team Auto Plaza President Hal D. Roper General Investments, Inc. President Donald L. Stewart Roper Pontiac GMC, Inc. President Michael A. Scabarozi Stewart Realty Company, Inc. Plant Manager David A. Trottier International Dehydrated Foods, Inc. President Gil Trout Summer Fresh Supermarkets, Inc. Chairman and CEO Gil Trout South Central Region Chairman and CEO Gil Trout UMB Bank, ri South Central Region Chairman and CEO UMB Bank, n.a. South Central Region Robert Tuchscherer UMB Bank, n.a. Pharmacist/Rancher/Farmer Warrensburg, Missouri E. Jack Webster, Jr. Joplin, Missouri Roger Baldwin Chairman of the Board Baldwin Cattle and Grain Farms, Inc. Petrol Properties, Inc. Rick Brown Vice President M. Scott Crist Mark A. Williams Roper Honda Community Bank President CEO UMB Bank, n.a. H.E. Williams. Inc. Robert W. Heiniger Jr. President The Honorable Joe Dandurand Carthage, Missouri CES, Inc. 171h Judicial Circuit Court Judge Edgar B. Freund, CLU, CHFC Jeffery H. Johnson Donald W. Smarr Agency Manager Community Bank President Farmer and Stockman State Farm Insurance Company UMB Bank, n.a. Jerry M. Swisher Mark Grier Anthony R. Kassab Chairman of the Board CFO President Swisher Mower and Machine, Inc. ICS Logistics Kassab's, Inc. Gil Trout William E. Michel Randy Roper Chairman and CEO Rehired Vice President South Central Region Roper Pontiac GMC, Inc. UMB Bank, n.a. E. Elliott Potter President Les Scheurich Gregory B. Vindan M-P Construction Company President CEO Midwest Tool, Inc. Western Missouri Medical Canter Dale K. Rife Certified Public Accountant Gil Trout Delete Parmley Williams Myers, Baker, Rife and Denham Chairman and CEO Former State Representative South Central Region 121 st District, Missouri UMB Bank, n.a. • Simplified clam procedures What is the Visa Lability Waiver Prooram7 A City ("City") that has established a Visa Purchasing Card account ("Account") with UMB Bank ("Bank") may request that Bank wave the C►ty's liability for certain charges in accordance with the Visa Purchasing Card Liability Waiver Program ("Program") Visa has arranged insurance coverage to provide payment to Bank for covered losses and will administer the Program The Bank may wave the Cily's liability for walvable charges up to $150,000 per Visa Purchasing Card Cardholder and be reimbursed by the Program Underwriter ("Program Underwriter") provided both the Hank and the City have satisfied all Program obligations 1 Bank shall mean the Visa Member which issues Visa Purchasing Card Accounts to the City for use by designated employees 2 "City" shall mean a corporation, partnership, sole proprietorship, or any other entity, which has signed a Visa Purchasing Card Account agreement with Bank, and subsequently issues Visa Purchasing Card Accounts for use by persons designated by the City 3 "Cardholder" means a person designated by the City who is authorized by the City to use the Visa Purchasing Card Account for City business purposes only 4 "Charges" shall mean all amounts, including cash disbursements, charged to the C►ty's Visa Purchasing Card Account with Bank 5 "Affidavit of Waiver" shall mean a written request or claim form sent from the City requesting the Bank to waive the C►ty's charges in accordance with the terms and conditions of the Program 6 'Billed" or "Unb►lled" with respect to any Charge shall be based upon the date of the Bank's Statement 7 "Notification of Termination" of the Cardholder's employment shall mean the date the Cardholder gives or receives oral or written notice of immediate, or pending termination, or the date the Cardholder leaves the C►ty's service, whichever is earlier What are Wawable CharaesT "Welvable Charges " shall mean Charges incurred by a Cardholder or other authorized person which 1 do not benefit the City directly or indirectly, and 2 (1) are Billed within seventy five (75) days preceding Notification of Termination, or (it) are incurred but Unb►lled as of Notification of Termination, or (m) are incurred up to fourteen (14) days after Notification of Termination, provided, however, that Bank has received a request to cancel the Cardholder Account within two (2) business days of Notification of Termination There will be no coverage after Notification of Termination, as defined, unless notice to cancel the Cardholder Account is received by the Bank within two (2) business days, and 3 are the responsibility of the City and/or Cardholder for payment to Bank What are not Wa►vable Chames? The following are not Wanable Charges and are not covered by the policy 1 Charges made by partners, owners, or principal shareholders who own more than five percent (N) of the C►ty's outstanding shares, elected directors, or persons who are not employees of the City 2 Charges incurred to purchase goods or services for the City or for the persons other than the Cardholder pursuant to the instructions of the City, in accordance with City policy, if those goods or services are of the type which are regularly purchased by or for the City 3 Charges incurred by the Cardholder after Notification of Termination unless the Bank receives a request from the City to cancel the Account within two (2) business days of Notification of Termination If cancellation of the Account is received by the Bank within two (2) business days, then coverage will be afforded fourteen (14) days from Notification of Termination, but not beyond Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 10 November 28 2007 4 Charges incurred by the Cardholder more than fourteen (14) days after Notification of Termination or billed earlier than seventy five (75) days prior to Notification of Termination 5 Charges resulting from either a lost or stolen Visa Purchasing Card or bankrupicylinsohrency of the City 6 (t) Charges in excess of $15,000 for each Cardholder from Companies with five (5) or more valid Cardholder Accounts (h) Charges in excess of $5,000 for each Cardholder from Companies with two (2) to four (4) valid CardholderAccounts 7 Cash advances, after Notification of Termination, shall be limited to $300 per day, or a maximum of $1,000 whichever is less 8 Charges incurred by a Cardholder after discovery by the City of any fraudulent or dishonest act on the part of the Cardholder What are The City of Fort Collins's obligations) The City may request that Bank waive the City's liability for Warvable Charges only if the City meets all of the following requirements 1 The Cardholder's employment is terminated, voluntarily or involuntarily 2 The City has one (1) or more Accounts in good standing 3 The City must attempt to retrieve the Visa Purchasing Card from the employee 4 The City must request that the Bank cancel the Account within two (2) business days of Notification of Termination, as defined Failure to notify within two (2) business days will exclude coverage for any Charges incurred after Notification of Termination 5 The City must deliver to the Cardholder or send by first class mail or fax, a written notice stating that the Account has been cancelled, that the Cardholder should immediately discontinue all use of the Account, and that the Cardholder must immediately return the Visa Purchasing Card to the City 6 The City must send a completed and signed Visa affidavit of Waiver claim form with all required documentation to Bank within nmety (90) days of Notification of Termination All claim documents must be filed with the Program Underwriter within one hundred eighty (180) days from Notification of Termination 7 The City will remit all such amounts to the Bank if the City recovers any amounts for Waived Charges from any source after the City has filed a Visa Affidavit of Waiver claim form with Bank The City agrees to assign any rights it may have to collect such amounts from the Cardholder to the Program Underwriter However the City will not be required to pay Bank any amount that exceeds the loss sustained by Bank 8 Once a claim has been paid for a given person, no future claims will be considered When are the Charges waived? 1 Upon receipt of the Affidavit of Waiver claim form and verification that the charges are warvable, Bank will waive the City's liability for those charges 2 Bank will then file a claim with the Program Underwriter 3 Any monies Bank may receive at any time from the Cardholder or any other source in respect of Warvable Charges will be used by Bank to reduce the Waivable Charges and/or the amount of any claim Bank files with the Program Underwriter Other Insurance This program does not cover any loss which is insured by or would but for the existence of this policy, be insured by any other existing policy or policies except in respect of any excess (not exceeding the limits of this policy) beyond the amount which would have been payable under such other policy or policies including any deductible applicable thereunder had this program not been in effect 25 Card Design The Service Provider shall work with the City to develop an acceptable card design The design shall be approved by the Purchasing Card Administrator and shall contain at a minimum the following features Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 11 November 28 2007 1 The phrase TAX EXEMPT and the City s tax exempt number shall be printed on the face of the card along with the phrase "Commercial Card" or "Purchase Card" 2 The City logo PFA logo or Library District logo provided camera-ready 3 Toll free customer service number shall be printed on the back of the card 4 There shall be no references to ATM s on the card 5 Cards should be available in easily distinguishable colors A Visa Purchasing Card front appearance will be configured to meet the specifications and needs of the City of Fort Collins, Colorado The card front will uniquely identify the card custodian as an official of the City of Fort Collins, Colorado who is making a purchase for the official business of the City It may also reflect in a single color, the unique logo, tax exempt status, and name of each issuing Department through which the card is originated UMB's toll free customer service number will be printed on the back of the card The customization of the Purchasing Card plastic is accomplished by using four color laser ultra graphic technologies There will be no references to ATMs on the card The reverse of the card will display the toll free contact information of UMB Bank Two lines of embossing allow for the embossing of the name of the card custodian, and other discretionary data such as position title, department, or functional area Cardholder account numbers can be customized to reflect numerically a unique City of Fort Collins, Colorado Department number, and some internal uniqueness for departments or areas within the City of Fort Collins, Colorado Department There is no charge for creating a customized purchasing card for the City of Fort Collins, Colorado Currently, various blue, grey, red, yellow, and light blue cards with 13 different graphic/text image colors are available UMB would consider developing special colors if desired With new advances in card technology, UMB is able to offer the City of Fort Collins a fully customized Digital Card face This new technology allows UMB to take a full color image and place it directly on the front of the City of Fort Collins Purchasing Card Below is an example of a Digital Card face 2 51 PSD Card Design Poudre School District shall work with the selected vendor in the development of the PSD card design which must include the individual's name as well as the District name and logo The same card options will be made available to the Poudre School District as are made available to the City of Fort Collins, listed above Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 12 November 28 2007 2 6 Card Controls and Restrictions The City's Purchasing Card Administrators shall have the ability to set restrictions and controls when cards are Initially requested and when changes are needed Service Provider's customer service representatives may not make changes to card limits unless approved by a City Purchasing Card Administrator The following controls shall be available 1 Single Transaction Dollar Limitation - Established per individual card not to exceed the City established individual cardholder maximum dollar limit A Single Transaction Dollar Limit will be able to be placed on the City of Fort Collins Purchasing Cards Maximum Dollar Limitation per Month - Set by the Purchasing Card Administrator per individual cardholder A Monthly Dollar Limit will be able to be placed on the City of Fort Collins Purchasing Cards 3 Maximum Number of Transactions per Day - Set by a Purchasing Card Administrator per individual cardholder A Daily Number of Transactions Limit will be able to be placed on the City of Fort Collins Purchasing Cards 4 Maximum Number of Transactions per Month - Set by a Purchasing Card Administrator per individual cardholder A Monthly Number of Transactions Limit will be able to be placed on the City of Fort Collins Purchasing Cards Vendor Blocking - Restrictions on the types of vendors by Merchant Category Code (MCC) authorized to accept the card Merchant Category Code Blocking will be able to be placed on the City of Fort Collins Purchasing Cards 6 Cash and Gift Cards - Prohibition of cash advances and purchases of gift cards All Cash and Quasi Cash transactions can be prohibited Gift Cards can be restricted only if the vendor selling the gift card has an MCC that is not allowed If a cardholder is authorized to make a purchase at a vendor that sells gift cards we have noway of blocking those purchases UMB suggests that the City of Fort Collins includes in its Policies and Procedures manual that gift cards are expressly prohibited unless prior authorization has been obtained 7 Additional Controls - Proposals shall describe any additional controls that are available Cardholder level controls are flexible so that each cardholder can have an authorization strategy that is designed specifically for the types of purchasing normally made Controls are changeable on a moments notice when purchasing needs change, either temporarily or permanently There are no Bank controlled "maximum" limits, however, care should be taken to enable account cycle limits that match the individual employee's estimated monthly purchase requirements Since vendors are required to obtain bankcard authorization approval prior to completing all transactions, the authorization strategies designed by the City will be verified before approval of the transaction in all electronic and voice authorized occurrences Prohibited transactions, which are not properly approved at Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 13 November 28 2007 the point of sale, can be charged back to the vendor at the discretion of the City program administrator if necessary UMB Bank will configure a Visa Purchasing Card program with authorization strategies, which will meet the specific requirements of each of the departments participating in the City of Fort Collins, CO program according to each cardholder's unique needs Purchase amounts can be controlled by City Department and/or functional unit billing cycle limit, account billing cycle dollar limit, and/or per transaction dollar limit All authorization controls can be individual by City Department, cardholder, functional unit, or universal for all accounts Purchases on the City Purchasing Card accounts can be restricted at the point of sale to a program maximum or at the cardholder level for any amount requested by an authorized Program Administrator, via the following transaction limitations • Blocking/inclusion by supplier type (merchant category code) • Single dollar limit per transaction, per day, per month or per vendor code • Credit limit for total balance by card, by control account, or by the City as a whole • Number of authorizationstiransactions per statement cycle and per day • Specific merchant restrictions within each MCC, this can be used to incorporate the City's vendor file to include or exclude certain vendors • Restrictions by Zip Code • Account billing cycle limit amount (refreshes each billing date) • Authorizations tied to master City of Fort Collins, CO, City Department or functional unit limits • Control Accounts by department to establish a maximum credit limit for each department • Cash Advance / ATM blocking 27 Hierarchy and Cardholder Information The City Intends to keep the card program hierarchy as simple as possible Too many levels lead to increased maintenance Other entities using the selected card vendor may elect different hierarchy structures City would like to establish the following hierarchy 1 The City of Fort Collins 2 Cardholders UMB can provide the hierarchy structure listed above UMB currently can provide up to rive levels within the hierarchy for access and reporting requirements UMB understands and agrees that other entities utilizing this contract may elect a different hierarchy structure, and UMB will work with each entity individually, including the City of Fort Collins, to determine the best hierarchy structure for that entity Cardholders will not have access to the card management system Account Managers will manage only those cards assigned to them by a Purchasing Card Administrator The processing system must allow for such assignments Access to Card Management within Visa Information Management can be granted to specific users, i e Account Managers, but not cardholders With this assignment access can be restricted to a certain group of cards, as determined by the Purchasing Card Administrator Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 14 November 28 2007 The following information will be entered when setting up a cardholder account 1 Cardholder name 2 Employee ID number (not SSN) 3 Employee phone number (the City may elect to use a standard contact phone number) 4 Standard address information (the same for all cards) 5 Transaction limits UMB will issue cards to City Employees, as well as employees of affiliated entities and the City Council UMB will not maintain any personal credit information on the cardholders UMB will not issue any cards without the approval of the Purchasing Card Administrator The City will designate a program administrator and backup administrator and the requests should be made or emailed by one of the authorized individual(s) who are allowed to request new accounts New accounts are established and cards mailed out within 5 working days of receipt of the request For rush delivery cards can be mailed within 48 hours The process for requesting current and new accounts can be communicated through UMB Commercial Card or email to UMB from the program administrator The email would need to contain the following information • Cardholder Name • Department • Unique Identifying number, i e SSN or employee ID# -(Last 4 digits) • Statement Address • City/State/Zip • Telephone Number • Authorization Strategy (MCC includes and excludes) • Total Monthly credit Limit • Per Transaction Limit 28 Implementation Describe plan for implementation of your proposed card and associated management system The City will need assistance from the vendor in making the transition from our current card to the new card Describe the training to be provided for Administrators and Account Managers UMB understands and has provided the following contract implementation plan for the City of Fort Collins The following individuals will be part of the UMB implementation team that will be assigned to the City of Fort Collins that will provide the leadership and experience necessary to provide a successful card program Ron Sager, Senior Vice President and Commercial Card Manager, has been with UMB since 1978 Ron Sager has successfully implemented purchasing card programs for the State of Kansas, State of Missouri, State of Wyoming and State of Arkansas Travel Card program as well as many City/County municipalities, Universities and Public School Districts, along with many private sector entities Tim Jackson, Vice President and Commercial Bankcard Officer, has been with the card center since 1994 and has been involved with many of the programs partnered by UMB Matthew Matzen, Commercial Card Account Manager, has been with the card center since 2005 and is the account manager for many entities, including the majority of OMB's Colorado partners Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 15 November 28 2007 UMB will assist the City of Fort Collins with the planning and evaluation of a customized implementation plan for the City The customized implementation plan for the City will include but is not limited to the following procedures Conduct meetings in person or on the telephone to recommend or define features of the programs in detail and determine implementation tasks Assist the City in designating the participants and determining activities, which allow for an effective program for departments of the The City of Fort Collins Determine expectations of the participants and assist in defining how success will be measured and reported Assist with the design and fulfillment of needs for customized forms, letters, card plastics, and procedures Assist with the training of program leaders on interpretation of reports, implementation of controls and cardholder implementations when necessary Determine vendor support levels and implement conversion where necessary Assist with the training of cardholders Continue to evaluate programs with the City of Fort Collins Officials to plan for adjustments and customization of additional features for new or existing departments Provide on going program evaluation assistance, procedural evaluation, and technical expertise to ensure continued success and growth for the City of Fort Collins Card Program A complete purchasing card implementation plan and training program for management, cardholders, and vendors will be mutually developed upon award of the contract The City of Fort Collins purchasing card program should be customized to meet the goals of the City and all training will be developed with those goals in mind UMB is experienced in providing Purchasing Card programs As the issuer of the State of Kansas, State of Missouri, and State of Wyoming for both Purchasing and Travel cards, as well as the State of Arkansas Travel Card program, UMB can provide knowledge and experience in the implementation and expansion of the City of Fort Collins program UMB will assist the City of Fort Collins in training as much as needed to make sure the City program staff, City administrators, and cardholders feel comfortable with the technology and procedures for the card program The UMB Implementation Plan team will be assigned to assist the City of Fort Collins with the following tasks to name just a few • Analyze City needs • Analyze policies and procedures • Determining Card Design • Setting cardholder authorization strategies • Setting billing options • Determine Report and Technology needs • Develop Training procedures • Train City administrators and cardholders • Evaluate Programs • Plan for new ways to expand current programs and implement new departments and optimize program use Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 16 November 28 2007 Objective CONTRACT IMPLEMENTATION PLAN THE CITY OF FORT COLLINS PURCHASING CARDS PROPOSED SCHEDULE AND COORDINATION OF IMPLEMENTATION Task Timeline (estimated days after award f Create An Implementation Team • Select Implementation Team members and the Program Manager • Meet with your Implementation Team and UMB Bank Implementation Managers to Introduce the program UMB Bank is represented by teleconference, or in person as required from this poird forward 10 days 2 Develop An Translate Strategic Goals Into Specific Implementation Plan Implementation Activities 20 days • Plan the Clty's migration to UMB Visa Purchasing cards (pilot or City wide roll out voluntary or mandatory change) • Determine final City card design and appearance Research and Design Visa Purchasing Elements • Identify the types of purchases, purchase limits, commodities and suppliers to be included in the program • Determine ledger reporting and technology needs for the program • Determine how Visa Purchasing Reports will be provided to the City • Establish cardholder and manager accountability procedures Review the detailed implementation plan with your program sponsors and executive committee 3 Establish Develop cardholder and manager 30 days Policies and Procedures procedure guides • Create "quick reference tools (as needed) Create a cardholder agreement form • Circulate the draft materials for review • Produce final materials Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 17 November 28 2007 4 Enroll Suppliers (as needed) Identify suppliers and commodities you will need to have Visa capable fora successful program launch Determine data requirements by type of 30 dove and onaoina supplier and cardholder responsibilities • Segment suppliers by importance timing and data collection requirements • Create a supplier communication plan and materials • Survey targeted suppliers to determine Visa acceptance and data capture technology Finalize agreement between City and UMB • Assist suppliers in becoming Visa accepting, or enhanced data collection capable Continue identifying and recruiting additional Visa suppliers as your program grows 5 Create • Identify who in the City will be affected Communication and Training by the Visa Purchasing Card transition 45 days Materials Design a communication plan for each group • Create communication materials to deliver your message • Prepare communication tools for the program roll out • Continue to communicate program results Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 18 November 28 2007 Table of Contents 1 Information Requested in the Proposal Submittal Section 2-4 2 10 General 5-6 3 Responses to Requirements 7.51 4 Responses to Requirements Unique to Poudre School District 52 5 Description of Enhancements not Specified in the Requirements 53-54 6 Work plan for Implementation 55-59 7 Pricing Information for City of Fort Collins 60 8 Pricing Information for Poudre School District 61 Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 1 November 28 2007 6 Establish Program Meet with UMB Bank to review your Parameters with UMB Bank program design and identify purchase 45 days authorizations and cardholder limits Review UMB Bank cardholder enrollment information requirements and forms • Establish procedures and time frames for Visa Purchasing card administrative logistics • Determine how the City will pay UMB Bank Billing procedures Payment method Statement reporting requirements • Distribute enrollment forms to your pilot participants • Enroll (order cards) for program participants • Receive Visa Purchasing cards and hold them for cardholder training 7 Begin Your UMB Bank • Set program goals Program • Communicate about the program to affected managers 45 days Ensure suppliers are in place • Train area managerslcardholders and distribute cards • Assist participants, as needed • Monitor program performance 8 Evaluate Results • Collect data to perform quantitative analysis of program results • Collect data to perform a qualitative analysts of program acceptance Ongoing • Review program performance with UMB Bank Synthesize findings and develop recommendations for program change • Present findings and recommendations to your sponsors and executive committee 9 Expand the Program Make required changes to program structure procedures and goals Onootnn • Implement new uses for the cards • Continue to evaluate results and make changes to grow your program Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 19 November 28 2007 29 Training and Support The Service Provider shall provide 1 Training materials in written or electronic format that may be used without restriction by City Staff to train cardholders in proper card use LIMB will provide training materials in written or electronic format that may be used, without restriction, by City Staff to train cardholders in proper card use 2 Initial training for Purchasing Card Administrators and Account Managers UMB will provide onsite initial training for Purchasing Card Administrators and Account Managers as needed Customer support to the Purchasing Card Administrator or agent and cardholders This support shall include at a minimum • A toll -free customer service number and a toll -free telephone number for reporting lost or stolen cards Proposals shall describe the availability of these assistance lines the services available at each contact point and the hours they are staffed UMB will provide the City of Fort Collins a toll free customer service number and a toll free number for reporting lost or stolen cards The toll free customer service number is a direct number to UMB's Commercial Card Department We have 15 individuals who work solely with Commercial Cards so knowledgeable representatives will always answer the phone OMB's Commercial Card Department is staffed from 8 AM to 5 PM Central Time, Monday through Friday UMB will provide the City of Fort Collins's Program Administrator(s) emergency contact numbers for the City's Account Representative and alternates for 24-hour service The toll free number for reporting lost or stolen cards is available 24 hours a day, seven days a week The name title and telephone number of the main customer account representative and at least one alternate who would respond to inquiries by a Purchasing Card Administrator or designee UMB will provide the City of Fort Collins the name, title, telephone number, and email address of the main customer account representative and at least one alternate This individual will work closely with the City of Fort Collins Purchasing Card Program and will have an intimate knowledge of the City's program The name title and telephone number of the technical support department responsible to change requests stolen card reports or other inquiries by a Purchasing Card Administrator or designee UMB will provide the name, title, telephone number, and email address of the technical support representative assigned to the City of Fort Collins's account Because of its' experience in the public sector, UMB has been called upon frequently to provide training assistance to administrators and cardholders UMB has gained valuable experience through many years of partnership with large governmental programs UMB recommends a mandatory training for all City cardholders to cover the cardholder manual that has been put in place by the City of Fort Collins This training would cover what limits or controls have been placed on the card and what types of purchases are to be made with the City of Fort Collins Procurement Card Training also covers procedures on what to do if a card is lost or stolen, procedures to turn in a card if an employee terminates employment with the City, Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 20 November 28 2007 procedures and who to contact if a card is declined, and how to enroll a card to receive electronic statements are many other topics that would be covered at the training UMB recommends conducting a re-training session every two years for cardholders to keep cardholders updated on proper procedures for the City UMB has helped create and acquired many manuals, handouts, and training CD's that can be provided to the City program administrators from previous training programs put in place for many of our large governmental programs UMB will be on site to assist in cardholder training and any re-training that the City of Fort Collins would choose to implement UMB will be on site to provide step by step procedures on how to use the three web based tools Visa Information Management, CommercialCard, and Commercial View During the training, City program administrators and cardholders can go online and have hands on training to follow the UMB representative through the steps or they can observe to see each step completed UMB will also provide handouts to each person attending training with detailed instructions on how to use the web based tools Training sessions will be held as needed 210 Disputed Items and Fraudulent Charges Service Provider shall provide a method for handling questions concerning disputed charges Toll -free service for this process shall be available Proposals should include a description of dispute procedures and processes including 1 Procedures to follow when contacting Service Provider about disputed transactions 2 When provisional credits will be issued to the City s account pending resolution of the disputed item 3 How provisional credits will be handled for disputed transactions resolved in the City s favor and how charges will be reinstated for those resolved in favor of the Merchant Proposals shall provide a time frame for this process The City of Fort Collins and cardholders will not be held liable for fraudulent or unauthorized charges on the City's purchasing cards Once fraudulent or unauthorized charges have been identified, a call by the cardholder or department administrator should be made to UMB immediately Disputes of transactions may be faxed to UMB Bank Card Center at 816 843 2485, Attention Commercial Card Services or emailed to the Commercial Account Services Representative A temporary credit or chargeback credit will be processed to the cardholder account within 24 hours of notification to the Card Center Commercial Account Service Team Disputed charges remain credited until conclusion of the inquiry Since vendors are required to obtain bankcard authorization approval prior to completing all transactions, the authorization strategies designed by the City of Fort Collins will be verified before approval of the transaction in all electronic and voice authorized occurrences Prohibited transactions, which are not properly approved at the point of sale, can be charged back to the vendor at the discretion of the City of Fort Collins Commercial Account Services Analysts are trained to handle common through complex inquiries immediately when notified All billing inquiries and disputes should be made in writing and as quickly as possible following billing The process should be handled according to the following procedure Circle the charge(s) in question on the billing statement, including a comment (cardholder dispute form should be filled out) that the cardholder is disputing the charge and would like a copy of the ticket, and fax to UMB Card Center at 816 843-2485, Attention Commercial Card Services A temporary credit in the amount of the disputed item will be posted to the cardholder's account within 48 hours of receipt, and a copy of the ticket will be ordered from the merchant The merchant has 30 days to respond to the request for a copy of the ticket Upon receipt, a copy of the ticket will be forwarded to the Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 21 November 28 2007 cardholder or designated individual within the City if verification Is needed If no other information is required and the disputed charge can be processed as a chargeback to the merchant, no other action will be required of the cardholder and the temporary credit will become permanent If the charge is determined valid, the cardholder is notified, and the temporary credit will be reversed and the charge will be re -billed to the cardholder account for payment Service Provider must have a procedure in place for handling fraudulent charges reported by a Purchasing Card Administrator or detected by the Service Provider's or card company's own security processes Proposals shall include a description of fraudulent charge procedures and processes Including 1 Procedures to follow when contacting Service Provider about fraudulent charges 2 When and if a police report should be made in relation to the fraud 3 When and if provisional credits will be issued to the City s account pending resolution of the fraud investigation 4 How such provisional credits if any will be handled for charges determined to be fraudulent and how charges will be reinstated for those transactions which were either not fraudulent or for which the City after investigation is determined to be liable for Proposals shall provide a time frame for this process and describe the situations under which the City would ultimately be responsible for fraudulent charges The City of Fort Collins and cardholders will not be held liable for fraudulent or unauthorized charges on the City's purchasing cards Once fraudulent or unauthorized charges have been identified, a call by the cardholder or department administrator should be made to LIMB immediately Once UMB has been notified, the account in question will be closed, and a new account will be set up within 48 hours The potentially fraudulent charges will be noted and a fraud affidavit will be sent to the cardholder to be filled out and signed The fraud affidavit should be returned to the UMB fraud department so they can continue their investigation A police report should be filed any time there is a theft, 19 your physical card was stolen A police report does not need to be filed if the cardholder still has possession of the card, or if the card was lost Once UMB is notified of the fraudulent charges, temporary credit will be applied to the account within 48 hours If the charges in question are determined to be fraudulent, the temporary credit becomes permanent and no further action is required of the City or the cardholder If the charges are deemed to be valid, the cardholder will be notified and the temporary credit is reversed and the charge will be re billed to the account for payment The entire fraudulent charge process can be completed in as little as a few days, or, depending on the responsiveness of the cardholder and the merchant it can take up to 180 days Typically fraud cases are resolved within 30 60 days from the time UMB is notified of the fraudulent charge(s) The only situations in which the City of Fort Collins would be held liable for fraudulent charges is if UMB is not notified of the fraudulent charges within 60 days of the date of the transaction, or if a fraud affidavit is not returned within 35 days of us being notified of the fraudulent charges In the case of employee misuse the Visa Liability Waiver, outlined in response to 2 4 would cover the City for any unauthorized charges made by a City employee Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 22 November 28 2007 2101 Card Terminations and Changes The Purchasing Card Administrator or designee may request one or more cards be terminated or request changes to an individual card a batch of cards or all City cards Such changes may include changes to card spending limits, purchase restrictions cardholder name etc These change requests may be made via email or entered directly into the Service Provider's card management system UMB will accept all change requests, including termination requests, via email or through our self maintenance tool, UMB Commercial Card Access to UMB Commercial Card will be given to the Purchasing Card Administrator(s) for the City to provide access for self maintenance of the City of Fort Collins Purchasing Card Program Proposals must offer a time frame preferably one business day or less between receiving a termination or change request and accomplishing the change Proposals shall detail the differences in how changes are processed depending on whether entered directly or requested via email If the change is input by the Program Administrator into UMB Commercial Card, the changettermination takes place immediately, as UMB Commercial Card is a real time change tool connected directly to UMB's Purchasing Card production system If the change request is emailed to the representative for the City the change will take place quickly, usually within one hour and always within one business day of the receipt of the request 2 10 2 Lost or Stolen Cards The cardholder or Purchasing Card Administrator or designee will immediately report lost or stolen cards to the Service Provider Such reports may be made via telephone or email The Service Provider shall immediately cancel the lost or stolen card and issue a replacement card with a new account number Proposals must describe 1 Procedures to be followed in the event a card is lost or stolen 2 Time frame between notification and the cancellation of the effected account 3 How long it will take for a replacement card to be mailed 4 Processes in place to expedite such replacement including the ability to send the new card directly to a cardholder who may be traveling at the time of the loss or theft Lost or stolen cards can be reported to UMB Bank Card Center security department toll free number 24 hours a day, seven days a week by the cardholders or the program administrator The account will be closed immediately and a new account number and card will be issued in less than 48 hours The City of Fort Collins will not be held liable for compromised, lost or stolen account numbers that are fraudulently used for any amount UMB can have an emergency replacement card out to either the cardholder or the City program administrator From the time the card is reported lost, a new card can be delivered within 48 hours In the event of a traveling employee, UMB can deliver a card to an alternate address within the United States typically within 48 hours Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 23 November 28 2007 211 Card Acceptance The Service Providers card must be Issued by a major commercial credit card company I shall be widely accepted by a variety of vendors used by the City both locally and nationally Proposals shall describe UMB is an exclusive issuer of Visa Purchasing Cards UMB partners with Visa due to their excellent commitment to innovation in the credit card Industry and their wide acceptance of over 36 million merchants worldwide 1 Card s general acceptance both locally and nationally Currently there are over 6 8 million merchants within the United States that accept Visa Cards, including over 162,000 vendors that have accepted Visa Cards in the last 3 months in the State of Colorado 2 How Service Provider will work in cooperation with the City to ensure vendors accept the credit card for tax-exempt transactions UMB will work with the City to ensure its vendors accept the card for tax exempt transactions If the City encounters a vendor who does not accept the Visa Purchasing Card for a tax exempt transaction, the City should notify UMB and we will work with the vendor and Visa to ensure that vendor will accept the card for tax exempt transactions in the future 3 Service Providers program and level of success recruiting new businesses when notified by the City that the Service Providers card was not accepted by a particular vendor UMB is constantly looking for opportunities to widen the acceptance of the UMB Visa Purchasing card If the vendor is not currently accepting Visa, UMB will attempt to contact the merchant and offer the merchant the benefits to accepting the Visa branded Purchasing card 212 Billing Department Account Managers will need real-time access to assigned card accounts and must be able to generate statements as needed using an online card management system The Purchasing Card Administrator must have access to a consolidated billing statement via the same system Individual cardholder invoices are not required A consolidated invoice covering all PCard transactions for the month must be sent via email or provided via a link to a download site Such invoice must meet City requirements including but not limited to the following 1 Cardholder Name 2 Merchant Name 3 Transaction Date 4 Posting Date 5 Transaction Amount itemized to the extent possible Backup documentation for each purchase shall be available upon request from the Account Manager or Purchasing Card Administrator Proposals shall identify the time frame required to provide backup documentation and method required for request (telephone fax email etc ) Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 24 November 28 2007 UMB will submit an Itemized monthly statement for the City The distribution of the statements is defined by the City and will be customized to meet the City's needs Statements are available in both paper and electronic formats UMB's statements, at a minimum, include basic Level I data such as Merchant Name, Transaction Date, Post Date, Reference Number, and Transaction Amount More detailed Level II and Level III data is available when provided by the merchant UMB offers the City of Fort Collins many different billing options The billing of accounts can be configured to meet the business needs of the City Individual accounts can be assigned to cardholders, specific cost centers, projects, or even general ledger accounts Each individual account is sent a statement listing transactions, and control account statements are a consolidation of a group of accounts, by department All statements can be directed to any one or more addresses for review or can be obtained via the Internet Three billing processes can be used in any combination to meet the needs of the City of Fort Collins Individual Billina accounts are individually billed and paid Consolidated Billina accounts are billed individually and consolidated to a master control account based on unique city defined groupings Diversion Billing accounts are billed individually or consolidated, and certain charges based on type of vendor, are diverted to special purpose accounts Vendor contact information is available either online or by contacting the Commercial Card Services team The City of Fort Collins cardholder, department coordinator, or program administrator can view contact information for vendors online through Visa Information Management, or can contact the Commercial Card Services team by phone call or email and can be provided with contact information, including phone number If backup documentation is required the quickest way to get the information is for the cardholder or program administrator to contact the vendor directly If the City is still unable to obtain the documentation a dispute form can be filled out and faxed to the UMB Card Center and a copy of the ticket will be ordered The merchant then has 30 days to provide the requested documentation UMB also has many electronic options for City of Fort Collins cardholders to receive electronic Statements Through CommercialCard Center and Visa Information Source, UMB can provide electronic statements to City of Fort Collins cardholders which will allow the cardholders to receive their statement in a more timely fashion which helps to speed up the accounts payable process CommercialCard is a web based tool which provides for real time electronic transaction and billing information to cardholders and program administrators, allows access to 4 months of statement cycles, and all unbilled transactions for the current cycle CommercialCard also provides electronic statements for cardholders or administrators with an automated email alert sent to notify the user when the statement is ready to be viewed or printed Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 25 November 28 2007 The Account Summary page gives a quick overall view of the account This page will give you such information as statement billing address, current balance, available credit, current amount due and last payment amount Fie Edt New Favorites Toils Help Address I48IdtPs ffwww statementlock.comffdr service?TRANTNaE FF10N&CID=AAAA30270DIbPID=STATE Account Summary Yew Related Accounts I This summary reflects the most current account Informatlon ACCaIatM�`M� ',l�''�t71'�II�l�I0a Card Type Individual Account Comparry ID Company Name areas Pnmary Cardholder DANIELJOHNSON Email Address Address Home Phone (573) 751 4115 Work Phone () Statement Delivery Method Paper Only x BeiffrkrArar9YlD�k t•� •Available Credit $ 3 000 Credit Limit $ 3 000 Provided your aow unt is in good eroding Payment Due Date 01116104 Last PsymentATrount $4800 Last Payment Posted 12110103 Last Statement Balance $ 0 00 Last Statement Date 12r22103 Accourd Summary I Transaction History I Accourd Info I PavmWs I Help I Cardact Us Terms a Conditions I Privacy Copyright 02002 2004 UMB Finanual Co porahon Q Links Update Account Info Chance Delivery Method e r t Payments i da local ntranet 3 Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 26 November 28 2007 On the Statements page within CommercialCard, the cardholder can view and/or print their electronic statement which closely resembles the standard paper statement A sample is shown below Re Edrt Ybw, Favorites Tods Help Add,. s IM https /(www steteinentbck.comff6 commercialcard- Statements View statement details for 09101f04 Additional Disclosures Statemat Closing Dde 090,04 V Payment Due Dee 09nm - Mnenm Payment 57397 Pest Due Amout 12648 ACCOUNT SUMMARY Account Number XXXX XXXX XXXX 0243 PreYk= Behnrce a 78309 Payments 65461 Credit Lod I Poo 00 Cracks 000 AvelbbM Credit 42600 Rrctrese&VebS; . 442 D3 Cash Adaei a + DOD RDIANCE CHARGES ♦ 346 New silence 573 97 An emoui icbwed by a mnus C ) u a credit or a credit balance ueess otherwise indicated Go Print Friendly Version PAYMENT ADDRESS CARD SERVICES PO SOX B75M KANSAS CITY MO 64107 W52 ACCOUNT INQURES AND LOST STOLEN CARDS 900A21 5184 8168113.2000 N KANSAS CITY CARD SERVICES PO BOX 419734 KANSAS CITY NO 64141 6734 Telephontrg soma being emors vAl not preserve you reirds; ureter fetleral law Search TranS8CODns View All MCC 3086 MERCHANT OP JACKSONNM 082Z6D4 KANSAS CJTY ST LOLIS 1 NM Q ST LOUIS KANSAS CITY 2 AN Q OEM DO= 246916KYO0R6PRQX HOTELS CON 800-3941454 TX 79.00 MCC 7011 MERCHANT LP 75231 LODGING CHECK N DATE 08r26,04 06126 CEO 244450MOSAAW9XW TGI FRDAY'S 81481 ST LOINS MO 1 e 71 MCC 5812 MERCHANT ZIP 08R7 08Q7 242466IL09UMNM BMWMSE RBNTACAR BEFOOZY MO 942E MCC 3405 MERCHANT ZIP 63134 AUTO RENTAL DATE D9R7B4 DEW Oef27 24403891.21BLOYBAN£ MIKE DLFFY'S PIE KRIQNDOD SANT LOONS MO 34 34 MCC SB12 MERCHANT ZIP OEM DEW 24e1043L203S48P80 MARRIOTT 33746 PAVI Flo ST LOUIS MO 15.04 MCC 3508 MERCHANT ZIP 63102 LODONO CHECK N DATE 08,27N4 OEM DOM 2443585LIWZOSXXZ SHERATON HOTELS SANT LOINS MO 2896 MCC 3503 MERCHANT BP 63102 oSrA WrM 2449200123DNMMMRY KCI PARKING 92 KANSAS CITY MO 36 00 MCC 75M MERCHANT ZIP PERIODIC FINANCE CHARGE• PURCHASES $3 46 CASH ADVANCE $0 00 346 Intranet Lurks � w Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 27 November 28 2007 UMB can also send out electronic statements in PDF format to the cardholder's or department reconciler's City email address through Visa Information Management Visa Information Management allows for the cardholder's, department reconcilers, or program administrator's email address for the City to be entered into the system and a statement will automatically be sent to their email within three days after the end of the billing cycle This allows the cardholder, department reconciler, or program administrator to get the statement in a more timely fashion which helps speed up the reconciliation process Below is an example of the cardholder statement report from Visa Information Source A F% Edt Dmun a i�®t��re�i-I®Illi � ► ►ill« � y/SA Visa Information Source -ITO-Ey1 1nRRralpR 9fpp pre+wm mppl rr.R e.Rnra pr. OnpRAfwRe ere ARRRRR frpM� lAnflw OHe C R ecc o)nuzooz 0110yzoo2 zso oo zsow us sAR iRANCLSCOG u s oouue 35M HNWIOT! 07/lf/]002 07/27/]W2 !WA]OR 415b•50151310055.5Np5 3SO.Op ]50pp us 5AH mAeQSW G u s muAR 3VM HYIRIOTT O>/a6/300] 0)/IB/300] PBIT#-CAR 4156H5015]3f605515M10 W. 150 U0 us us AU u s OOUM 3319 AV RV6 REWC6 NT#LfiR O>/iV2002 07/Sgl][IO2 MpIRIOR 5196M5015]]35M595M00 ZS000 350.00 USYNM/AYCI9COG Y AOOLLAR 9909 MMRIOR 07J35/3003 07/N/>0.12 MggR1pTT 5156M50151]]E055•$N10 35000 >X100 u5 SAM f]W1CFvCOG u s DOL]AR 3 O)/]5/]m2 0>/]y]m2 AM V6REW!WrRT#TMI 5]%N]0]51]Im55f5N11 150m I$]m U] 90Ue U A OOLWI AS ]]m AYMV15 REM#!AR 90§&RIRee50,RQ• A41 wRAerR / gip: E IY�Y iR A4WOm Y1hMY5 U"Overm"s rw5951ONO ],aeh09 I,tmao Am 1f s m} A90 O.m I.199t0 t�..Eeer map meRIR meR suisa p Sm De Abler 14 41 loft r H 95x7in ❑ M NH l 2 13 Card Management System Proposals must include a complete description of online card management and transaction management systems hosted either at a remote site or on a City server Such systems shall provide online access for Administrators and department Account Managers Through our exclusive partnership with Visa, UMB is able to provide online access to Visa Information Manaaement Visa Information Management offers a single, convenient, and secure web based solution for managing the City of Fort Collins program The comprehensive offering provides tools that integrate the City's spending data and organizes it into usable reports and information for tracking expenses, managing supplier relationships, and facilitating regulatory and tax compliance In addition, the City can set administrative functions based on agency and business needs UMB will also be providing to the City of Fort Collins online access to an account administration tool, UMB Commercial Card Whereas Visa Information Management will prove a valuable resource for reconciling and analyzing transactions that have already posted to cardholder accounts, UMB Commercial Card will be a Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 28 November 28 2007 Information Requested in the Proposal Submittal Section Company history and experience in providing Purchasing Cards to government entities as described in this Request for Proposal UMB Bank has been an issuer of bankcards since 1969 With the experience gamed in that time, UMB Bank initiated an innovative campaign by offering a new purchasing option in 1995, the Purchasing Card Since then the UMB Commercial/Purchasing Card department has acquired a very prominent list of partners throughout the region As the issuer of the State of Kansas, State of Missoun, and State of Wyoming Purchasing and Travel Card programs along with the State of Arkansas Travel Card Program, UMB continues to be recognized as an industry leader The combination of card and technology solutions that UMB has available will allow the City of Fort Collins to enjoy an array of products and services that many counties, cities, school districts and businesses utilize everyday In the Commercial/Purchasing Card industry, the UMB Commercial Card department continues to deliver on our mission With every customer, the UMB Commercial Card representatives invest the necessary time and energy to develop a relationship that allows us to get to know our customers With this acquired knowledge, a strategic plan can then be customized in order to provide the appropriate program given the City of Fort Collins's needs As the relationship grows and needs change, as they always do, UMB is thereto anticipate those changes and advise through new additions or adjustments to the solution UMB believes that innovation and service are what continues to separate us from other providers The following individuals will be part of the UMB implementation team that will be assigned to the City of Fort Collins that will provide the leadership and experience necessary to provide a successful card program Ron Sager, Senior Vice President and Commercial Card Manager, has been with UMB since 1978 Ron Sager has successfully implemented purchasing card programs for the State of Kansas, State of Missouri, State of Wyoming and State of Arkansas Travel Card program as well as many City/County municipalities, Universities and Public School Districts, along with many private sector entities Tim Jackson, Vice President and Commercial Bankcard Officer, has been with the card center since 1994 and has been involved with many of the programs partnered by UMB Matthew Matzen, Commercial Card Account Manager, has been with the card center since 2005 and is the account manager for many entities, including the majority of UMB's Colorado partners Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 2 November 28 2007 valuable tool for Administrators to have the proper restrictions and parameters in place to help make transactions occur smoothly LIMB will further enhance the City of Fort Collins program by giving individual cardholders access to a website that will allow them view current transaction activity, view past billing statements, and have a mail alerts sent to them when statements are ready to view This website, Commercial Card Center, is a self enroll webste that cardholders will find easy to use 214 Online Activities 1 Run Reports • For Individual cardholders • For all cards assigned to that Account Manager • For all City cards (Administrator) • Approved transactions • Ad hoc reports Within Visa Information Management, the City of Fort Collins will be given access to the three powerful and robust reporting tools that follow Visa Information Source ❖ Offers a wide variety of easy to read, customizable scheduled online and offline interactive reports and cost allocation tools, as well as accounting system integration, for all your Purchasing Card transaction data ❖ Interactive report viewing capability allows you to drill down to review data in detail ❖ Cost allocation tools include client defined accounting code segments, split allocations, and rules based automatic allocation ❖ Easy to use expense reporting for card and non card transactions ❖ Allows flexible data access restrictions at all user levels ❖ Integrates with large and small accounting packages to enable timely posting and reconciliation ❖ File extract capabilities ❖ Supplier chains allow you to group together several suppliers for enhanced reporting ❖ Flexible spending hierarchies enable you to create customized groups of Merchant Category Codes for more refined reporting and analysis ❖ Organization hierarchy management and rules allow you to maintain you own company hierarchy 1099 Reporting :• Provides relevant demographic information (including full address, incorporation status code, tax id, and more) about merchants who have provided products and services to your agency, which were purchased on the purchasing card ❖ Lets you define parameters to create customized reports to view online, download in a variety of formats, or share with others in your company ❖ Visa updates transaction data daily and maintains a rolling 25 months of historical data online, providing you with the most current and complete data available Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 29 November 28 2007 Socioeconomic Reportma ❖ Provides relevant demographic information (including full address, incorporation status code, tax ID, and more) about merchants who have provided products and services to your agency, which were purchased on the purchasing card ❖ Allows you to create customized reports to view online, download in a variety of formats, or share with others ❖ Visa updates transaction data daily and maintains a rolling 25 months of historical data online Report Examples 'VISA Visa Information Source 4MNT Ofi6Mr MwA CWd ft a Na Traaaalaba P. do 0M 6UpF64r wCamil T lafiHRI4Da K%L Tnaaaelea MGM ANDERSON BILL 07104/2002 07/"2002 Lrq UNIT 2156N501513160354SN71 254 OD WE IASON 07/0412002 07/04/2002 LIS UNIT 2156N50151316055454471 254 W "WMA, LIW N 07/0//2002 071W20D2 A UNIT 21564E0LSL316WS45N71 25400 SMITH BARRY 07/04/2W2 07/04/2W2 Lr. UNIT 2156M5015131605S454471 MA W SMIT4 R3ss 07/01/2W2 D7AW2W2 IA6 UNIT 21• 63DLS131605345N71 25400 SUAREZ BENITO 07/04/2002 071OV2002 US UNIT 2156M50151316055454471 L W TIIOIOSOK 3EFF 07/0/2W2 07/W/2W2 U5, UNIT 2156MSD15131605545N71 25400 TOWN 7Tta11adom y"—Lw 1600.RDRIST GANJES, MARAN OW04/2002 OWW2002 US, ATIANTA GA S656M9D15131605S454411 145 W SAOo4qDIB57 TAAN4 1 TA4Yman /45.W CIGAR STORE MC01%P®IIO OV01/2002 07/01/2002 US WAINW CREEK CA 2/5601301513ILMONSW1 ]SOW JACOBS P 07/03/M2 MON= 1 S WA Lff CREEK CA 215 WI51316MUS 71 I66 W CIGAR STORETabk 2Tmwft ea 316AD CINOERBI SHOES MARIL5,1A5011 07/W/2002 OWN/= W WALNUT OM CA 21r6M5015131606545N71 $67 76 O.b� xn,Hn7m�u as •u Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 30 November 28 2007 VISA Visa Information Source ladM. C dAK m1 THaavchw R43d TminRdlr Pmbq Swpfia ft.. Swo. LRoIHRn P�Rdnx Q.& Dab Dab SMIT14XX10( 92M WOO 0002 )136415015I3160554544)1 DSIIVW02 %1t4/2002 IMBED US SAN FRANMSCOG IINN (000) 7356N3015131605l 7106/12/2003 06/15/2002 MR CANAOM G, VORNBB3 MB IINw (000) )15644501513160554W71 OW13/2002 06/16/2002 MR FRANCE MUPANSFRAN 3000N (000) 7IXN5013131E0554SN71 06124rAD2 06/1712 AMBUCMI M SAN NWT CA SOON (0 00) 715 50151316 SMW71 06/15IM02 06/I8/2002 AMBUCAN US SM1 MATED CA 2" N (0 DO) >IS6{{5015131fAA43M>l ON3sm02 OWISI 002 AMENGIM US SAR MMOG OAO (I ONW) 7151MNIS131Hi0S545 7106/17/2002 W2O/2002 AMENGN w SAN NAM ON (75000) 1356NS01513160514INOI 06/21/YOOI 06/21/2002 FDMIICECMAROE 50,00 (a W) 135W50151316053454103 W23IM02 06/23/2002 UNITED US SAM FRAMp5C0G NO DO (000) 2/5644501513160554544)107101/2002 U101/2002 BANK OF THE WEST US WAUrIRCRE9(G MW (MOD) 21Ri14S013131605545 7307/03/2002 07/03/2002 BANK OF THE WESF US WALNUT GEEKG INN (000) 20W%131316055454471 0>/04/2002 07/04T002 BANK OF THE WEST US, WALNUT CREEKG 25000 (&N) 2156N5015131SO5545447107/04/2002 0)/04/2002 US UNIT 25400 (000) 315644lp3313360l5454401 07/03/2002 07/05/2002 SHELL US FOSTBIp G 3,556.00 (%N) 3136N'A15I31605l45MOT 07/05/2002 07/05/2N2 SMELL US FOmRcrrYG 3SOON (000) SHE 231r� 13,SOSAO (I 7NW) VISA Visa Information Source lrm Dab PORN" Dab SKRPREe T1Har Rwh.. RR, M1OAewmM BON Aa-wt b-Pp11� Iaolba MCC oft OaKMMp 07/11/2002 07/13/2002 lWiNUU TT 415644501513IW55454408 23000 ISO 00 US SAN FlUNpSD] G U S DOLLAR 3309 MARMOTT 07/26rO 07/171=2 NARRIOTS 415N45023131f03545 25000 2W 00 US SAN FRANC1SOD CA U S, DOLLAR 3509 NiNNUOTT 07/1512WZ 07/18/2002 AM RBrT A -OAR 4156445015131605545 10 INN ISO M US SAN FRAMp5O0 G U S DOLLAR 3369 AV S RENT AFAR 02/23/2002 07/20/2002 I4IRIIIOTT 51564450131316055454409 VKL00 250 w US SAN FRANCISOO G U S, DOLLAR 3309 MARRIOTT 07/25/2002 07/24/2002 MARRIOTT 5156M5015131605545 10 25000 25000 US SAN FRANpSOO G U S DOLLAR 3509 NARRIOTT 07/25/2002 07/25/2002 AM RBFF-At31R 3136M501513160!%54111 ISO 00 13000 US BAN FRANCSC) G U S, DOLLAR 3399 AM REM -AI 4RWw,6w Vw MDR 7Y/Rl OladRw 1 NRPMwHEr�1 t Tpy��H6�R Y4 py�R�p� Paige BarRAo 1,1114AD 1,30D.00 6,00 (1 umm) SAM 0.00 1,30040 CoewRDRR wDowa Mowp WORp MDap IU+Dap T.Wom QAO SAO 0A0 0A0 SAW am OAS DrtlMMc $bYtmADeYi ti rxne h u Pepe 10l2 Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 31 November 28 2007 VISA Visa Information Source c rdb.kkl St-AW4 Fada1Y 0 M / PaYnNMOa / Cwtt LbYt Paw Fk. Card A N ftr Yarns Cdi r -- chN AM EMPI" a to SURF Z MiUrO 5 000 00 4 3N W 2 759 86 10000 500000 2 750 00 0 00 0 W 000000000- MARND:rIND PMt DVaAMmtr lo ad" scamp Won" IM t 1 OMM MlCMPftb SOAO SOAO 10.00 SOAO 10.W 3 MILES PETFR 20 000 00 45 396 70 46 7H 90 (6 000 00) 10000000 BA00 OO 10000 100000 Oo0000,M) HQ Atouft MW 00 OM W a", 1261baa 17W�9i M iW PeMdi low FAO 10,00 104D 10.00 S WekeDM to VISA Infornmt m Source) AA V M.Amy. XHMI>TY4tItM au Pw 14 'VISA Visa Information Source Tramp MCC S.Ppik.F _.. LpPRW LNNaHL Par TMaa Uail T7anaAmrMi ANDEiSON ELL 0000000W-0000000101 RNOERI DAVE 07/11/201112 peAN10TT MAPR20TT US SAMIRANC CA OW 250W 07/11/2002 MARRIOTT MARRIOTT US SAN FRANCISCO G GOO 25000 07/23/2002 FIARRIWT MARg10TT HM SAII MUIIICBCAG am MOO 07/25/2002 MIRRIOn MARRIOr US SAN FRWCISCO G am 2M W MIDIRMCN, ML 1bbi. 4Tmnwdj NM 2AOS:00 MORDYA,L M 0000000W0000001W0 RIOHETR DAVE 07/WM@2 AUTOMATED aE%,EH ERS C)EVNON US RM ERCRYG OW 130000 07/03/2002 AUTOMATED FEEL DISPENSERS CHEVRON OS PoSTER CRY G 000 1 M5 00 07/05/2002 AUTOMAT® FUELDWMSERS CHEVRON US FOSTER CITY G am 5 500 00 07/0V2002 ADTOMAM3 MR Dr5PE11SE14 CHEVRON US FOSTER CRY G am 1075 00 07/13/2W2 MrrOM EOFUELCRB!M 891E CHEVRON US FOSR3NCRVG am IM500 07/13/20112 AUTOMATED M M DMENSMS CHEVRON us FOSTER CRY CA ow 350000 07/13/200 AUTOHMTFO FUELOIBPEII56A5 CHEVRON DF ! 0 &R CRY CA am 1075 M 07/13/2002 AUTOMATED NM DISPENSERS CHEVRON us FOSTHRCRYG OW 130000 07/19/2005 AUIONRT®M16 DflB1S918 CHEVRON D6 F0E7BtCRYG am 1075M 07/19/2002 AUNOMA7FDFU6OMMSERS CHEVRON USF ERCMtt OW 130000 07/20/2002 AUTUMRT® FUEL D19MSMS CIEYRDN US FOETERCRYG am I345W 07/2012002 AUTOMATED FUEL DISPENSERS CHEVRON u5 FOSTER CRY G am S S00 W MOMTDYA, WN1 I 1bp11 12 Trnnodbs 2WO00 RIDGE nM xxxx WOOOOOOe-aawoolo11 RNOETTI DAVE 0WOV2042 AUTOMAT® FUEL D®ErISE1S MDSLL US 5AN FRANCMW G 0 W 22 W Response to Request for Proposal Prepared for City of Fart Collins CO P1090 Purchasing Cards 2007 32 November 28 2007 VISA Visa Information Source Cardholder Nrs Card Aocoaet Nu parwyer Neer Tranwctlse Depart Data Tk•al Ne, Lee Cleo Fare Carrier Dean Orion Daetlrreorh rle. eerie MONTOYA 1IVM XKM 9100 Day) 0008 NANK 30MNS0101 07/17/2002 07/09/2002 1382937 1 Y Z W /taBr®AIRIDIES INC SFQ/Ine/Sa FnnFbce MD/Wlaa IMIAVaWrhgtm 2 Y Z UA /UNITED AIRLDI6S INC MID Ika lndlevadhmeton 11W30hn F KanaEy l WN Yoh 3 Y Z W /tROTCD AIRI U INC 1FI130hn F Kan ady Intl/Nrr Yoh WUInd/tn Ar ele. 9 Y Z UA /UNITED AIRLDIES IW tAWMWtas Areelea OAK/Wbop kta O kW/Oakland e Y Z W /NRFEO AIRU11ES 1W OAK/Mabopoiaan Oak lot/0 klaM SFO/T.WU Fran0.c0 SMIT11 BARRY 30DOI 91WDeep 0002 N K301WSONN 06/12t 001 06109/2000 PS312937 1 Y Z W ARBTEDA ltI IW SFWLnWSan FraiWco IAD/DAee kd Waiinpb.n SN[TH BARRY XX 91W 00000002 BOBBY MILL 06/13/2002 06/13/2002 PS87698 1 N Y AC /AIR CANADA SFO/IntVSa Fmr eco YQW/Quebec SNITN sMRY XIOOr910000000002 MMK 3010119011114 06/12/2002 06/09/2000 PSB2937 2 Y Z OR MBTED AIRUNES, 1W IM/OelkF L1W W.A.Vien 1FW)pin F Kenna* Indviliarr Yoh SMRM BARMY X100( 9300 0000 0002 BOBBY NIl1 06/I2t2002 06/13/2002 M117648 2 N Y M /AIR CANADA 0/Unkrn Ivunk nhm SFOtlyd:V n Fra aco SNUIN Wt0.Y 3000t 910000000002 NANK 10lN9OFN 06112r2002 0610912 PSB2937 3 Y Z W /VHFED AWAIMM 1W 3F inin, F Kennedy bdl/Naer YPrk lAR/I.11A. Melee 9 Y Z 11A A•aTED MRLINES, INC LA%Antl/tas Meek. OAK4&*.poltm Onk InVOWd" a Y Z W /UNtrED AIR18aE8 INC OAK/NebopMKan Oak kn/OakNitl SFO/InAvEan Framc co SM[TM BARRY 3000t 910000000002 N KMILL WIN2002 0W02/200D P587H I M Y AF /AIR FRANCE SFO/IndlSa Fran . CDW/ d GauEe/park BIUTIi BARRY X10IX910000000002 06/1� OW37/2002 TNvN arrsyeroi le0 DMr Rapvl 90U12Y10D. 1018 AM Pape 1 ar 3 2 Account Managers or Administrators must be able to assign default account numbers for each card as follows • One default number for all transactions for that card and • Additional default numbers for certain Merchant Category Codes and • Additional default numbers for certain vendors The goal is to minimize reallocations Visa Information Sources allows for the assignment of default account numbers for cardholder transactions to be allocated based on any of the criteria such as card account number, billing account number, hierarchy location, Merchant Category Code, and vendor Cost allocation rules can be created to each segment based on its own requirements, and a variety of criteria can be in place for any one given cost allocation rule Below is an example of a cost allocation rule currently in place for a UMB customer Cost Allocation Rules Create New Sort and Filter About Filters Q X 1 Fund Card Aunt Company Account MCC Department Card Aunt Company Project Card Account Company Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 33 November 28 2007 Default accounting numbers for cardholder accounts can be changed on a real time basis by Administrators and Account Managers (depending upon the level of access rights granted to the users) Any changes made to the defaults will be validated against accounting numbers that are loaded into Visa Information Sources, so as to eliminate the possibility of transactions defaulting to invalid account numbers Below is an example screenshot of where an Account Manager would go to edit the defaults assigned to a card account Edit Cud Account Information C✓M� �Fwe � +�'�`"L� � ✓�` ay"`°'�7Vs:�,u�^�4 'yam. "N'v a n �XZ:y�ns e°' Account Number XXXXXXXXXX101025 Cardholder ID XXXXXXXXXXID102S Cardholder Name ,p CARROLL DANNY gg "sMtlMo ' �"'>r rc ` h Manager Name Department BERRY ALTERNATIVE SCHOOL Cost Allocation Rule Main Rule Accounting Code Defaults 10 1133 6411 000 3641130379110111111 7 Accounting Code Profile Berry AIMS V By clicking on the blue questions mark next to the box titled "Accounting Code Default", the selection screen will open that will allow the Administrator or Account Manger to choose new defaults for the account GL Account 110 1133 6411 000 3 7 SUPPLIES AIMS Vendor ID 1130379 7 UMB BERRY AIMS Dept 101 7 Berry Alternative School L; Cancel Oversee current transactions in order to spot possible fraud or inappropriate charges After cardholders Account Managers are the second line of defense against abuse and fraud As a first line of defense, all City of Fort Collins purchasing card accounts will be protected by the Falcon Fraud Detection system This system is a neural network design to look at the spending habits of cardholders and notify cardholders and/or Administrators in the event of purchases coming through that do not fit these habits UMB will work with the City to help make sure cardholders are notified in the event of any potential account suspensions due to transactions being questioned by the Falcon system The website for cardholders to use is www commercialcardcenter com This website is self enrolled, meaning that as long as a cardholder can verify his/her account information, account information can be accessed anytime 24/7 Cardholders can first view their account summary, as shown in the below example Response to Request for Proposal Prepared for City of Fort Collins Co P1090 Purchasing Cards 2007 34 November 28 2007 Fie Edit View Favorites Toils Help s e7TRANtYPE-HOM&CD-AAAA3M7GOlW D-STATE w in Go Links R Account Summary Ylew Related Accounts I This summary reflects the most current account information Iwo Card Typa Indmdual-Account ComparrylD MODOC Company Name MO DEPT OF CONSERVATION _ Primary Card holder DANIELJOHNSON Emall Address Address OUTREACH a EDUCATION PO BOX 14024 PARWLLE MO 04152 0524 Home Phone (573) 751 4115 Work Phone () Statement Delivery Method Paper Only Chance Delivery Method ealWlceasorBilWN! SOS view Transallon Histon Avallable Credit i 3 000 Credd Limit $ 3 000 P wd dy sac uM is a dYe di a By clicking on "Transaction History" cardholders will then be able to view up to four months of posted transactions, including the most recent posted transactions, as shown in the below example File Ed! Ybw Favates Toils Flee Add "IMF4ros/f. [atemrtbkmA Transaction History Vlewiransactiondelaiis for Current Traneacbons M Print Frien(IVVe son Transactions 2142004 W12212004 View All I 0612112004 0512112004s t CQ1�1� O6(2301 (acid PA)MeBrT TW YWLAiq!(a a-72e 72 051 0eI4e414 IKNELIFapd(617-]81 ML eT1aAa OBIIM OaRa.04 AAHeCM140TEi Ml U01647713ML 322W 08e1.e4 Oae1a4 L/N44 CARE EGA.BIT BRBAVQODMp $34 a0 Downio ad Tran sa ct.n Data Transaction rdslorMay not include arty charges pending The "Pending Transactions" page shows real time charges that have been made but not yet posted This page will also indicate whether a transaction was approved or declined This page is what will allow Response to Request for Proposal Prepared for City of Fort Collins CC P1090 Purchasing Cards 2007 35 November 28 2007 individual cardholders to monitor up to the -minute activity on their accounts and possible identify fraudulent charges Below is an example of this page Me Bit vsa Favotes Took Hek COfTl1T1eI'C1�C�� Q L is Pending Transactions Transactions *A9X ,*0* #MGM AMD" SNWT 09N8104 091852 NRTG 01701 MA $7855 Approved 09)07104 161109 RAM AIRCRAFT CORP VMCO TX $1754 Approved 09/07104 134622 RAM AIRCRAFT CORP WACO NV $14490 Approved ITa c[MH,Ro%IA wmhl IPmejYI 41 Account Managers and Administrators can be given access higher level access to Commercial Card Center to view groups of City purchasing card accounts Account Managers and Administrators can also use Visa Information Source to view posted transactions to help identify any potential fraudulent activity Below is an example view of how transactions would appear for them to view YISA Visa Information Source LAMM Aileeate Transaetlens Company 25004040 UNIFIED GOVERNMENT Sort and Filter Cycle From 10/0//2007 To 11/01nG07 Hierarchy Node CORPORATION (Node 1) Card Acceunl All Race pt? 2 S BENNETT JEANNE MERCK CO INC 17214fi 11003015 62 Banned Jeanne XXXX XXXX XX21 0245 879 74 10/30/2007 M riles M p Rib lie Vaccine 10/31/2007 Receipt? 3 S BENNETT JEANNE SANOFI PASTEUA �- 20fi100 0 952 —� Bennett Jeanne XXXX XXXX XX21 0245 424 7B i+ 10/29/2007 ITV2hO d r r "co, 10/30/2007 Receipt? 4 S SENNETT JEANNE STAPLES BUSINE00326676 1 214 11n03T e2 Bennett Jeanne XXXX XXXX XX21 0245 36990 10/26/2007 JE m R e * of (2) 10/26/2007 3fi9 0 Receipt? Response to Request for Proposal Prepared for City of Fort Collins Co P1090 Purchasing Cards 2007 36 November 28 2007 4 Reallocation of charges When reallocation of expenses has to be done the transaction record must contain the three fields listed below -- Account Number Sub Ledger and Sub Type The first two fields must be formatted with drop -down selection boxes containing alternate account numbers which can be entered as needed by the Account Manager Reallocation can then be accomplished In most cases by selecting one of the alternate numbers This process will eliminate a primary source of data entry errors Account Number Sub Ledger Sub Type 370300 544690 142310 W 370300 290290 42320 370300 529290 52410 370300 529310 52640 UMB will work with the City of Fort Collins to make all valid account numbers available to the Account Managers so that transactions can be properly allocated within Visa Information Source The websde does use selection boxes for the account numbers, which will help eliminate the primary source of data entry errors The importance of the account number field display and reallocation method cannot be stressed enough Account Managers must be able to enter alternate numbers in a drop -down list as they are needed The proposed system must include a method of validating account numbers using Finance system data as they are entered Proposals should also include sample Images showing screens to be used by Account Managers in completing the above tasks Provision for online access to a sample system is encouraged Users of Visa Information Management will find the layout of the cost allocation screen to be easy to navigate and clear to use Once logged into Visa Information Management, Account Managers will need to enter into Visa Information Source Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 37 November 28 2007 From Visa Information Source, they will then need to click Cost Allocation 4 Allocate Transactions VISA Visa Information Source Welcome W Vaa Informal, on Source You are logged in as chtmm ng a Company User account for DEMO COMPANY CORPORATE To navigate within Visa Information Source click a menu link an icon or an other link Use of your browser s back, Forward and History, buttons Is not supported and may result in errors When you are finished with Visa Information Source M Select another service from the Quick Unks drop down or click Home in the Visa Information Management control bar to retum to Visa information Management You can log out of Visa Information Management by clicking Logout Account Managers will then need to define what transactions are to be allocated The date range is the one item that needs to be selected Other items to choose are which individual cardholders out of a department, or which departments out of the City (depending on the users' level of access) Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 38 November 28 2007 b The name and contact Information for the company representatives responsible for managing the proposal process on behalf of the proposing firm Transmittal Letter UMB Bank has carefully prepared the following information and specifications for a Purchasing Card Program for the City of Fort Collins, CO and understands the requirements therein indicated, and if selected as the prime contractor for the program is willing to perform the services described in its' proposal and to enter into a contract with the City The proposed program is a variety of services designed to fit the needs of the City of Fort Collins, is made available with favorable pricing and a tiered level prompt payment rebate program in which rebate rates are based on volume levels, and are increased as volume increases UMB Bank is committed to providing a customized product, to remain intimate with its' partners, and to extend broad value to the services it provides Throughout its' long history of credit card issuance and processing, UMB has maintained a reputation of responsible lending, high quality services, and products which meet the demands of its' clients UMB understands that if awarded a contract as the successful bidder in response to this request for proposal, this proposal and all related documentation is required to be maintained as a public record under the Colorado Open Records Act In the event UMB is not the successful bidder we would request that this proposal and all related documentation be destroyed, to the extent permitted by law UMB Bank, n a is pleased to respond with the following information and contact person as the individual authorized to make representations on behalf of UMB Bank, n a, as a part of this response to the request for proposal the City of Fort Collins Ron Sager Senior Vice President UMB Bank, n a — Card Center 906 Grand Boulevard Suite 800 Kansas City Missouri 64106 E mail Ron Sager@umb com Telephone 816/843.2261 Fax 8161843 2485 Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 3 November 28 2007 'VISA visa Information Source �"00,11 Retrieve Transactions for Cost Allocation } Hierarchy Node` 1HQTest (Nod 10000000) r netneve transactions for the selected node only Card Account' Selert d Card Account D Billing Cycle' FBI lhn9 - Start Period -Stan Period- . End period -End Penod- . Allocation Status` Any Status Accounting Code r All s Segments to display egments r Selected segments '-required Once the allocation criteria are chosen, the transactions will be VISA Visa InfoKnatlon Source Allow* Transactions CAP`PAM 123 567990 OENO-COMPANY CORroaATE Sal aM Ftie.r Cyde nvn GAWI 1002To1U1212002 lMn,diy Nola. NQTrt(Moda 10000000) Grd ACaw(. 1xf IX JO W t 0000 000) 4F AMIbfJttd E—E1raCed N New S Sri U.uH IWr,M 1 r u MOERSON JASGN 09/26/2002 AVIS I OILS be¢o Mwd 0003 W07 W2612002 222 O r ran 4m« od A tm.m o d« -� 2 r A ANpERgN J SON MW2002 WU13om" �7 61.5 b a. m yode L —� G 20g](lCC33(00W 0DD7 M612002 WOO r mC 4rM md. Pt Po, InNrnal Ordr r8000W� J r N MOE250N JASON 09/22/2002 M UOTr Gt S 1:re v m eN Y%XN 0000 DO17 0912212002 30600 0.lCNDI r Cyst Gmar ad '� P IM m I Odr y r N NIOERSgN JAS*N OB/25/2002 AVIS C� us Re _ m.y )OOOt ](]O0f 00W 000) OaW2DO1 12200 ar ms1 cyr yya. PNlntano�Or O 9 r U ANCE(60N JASON 0B/22002 ARUO TT C� G06 6-.m �yd� m - »oo(,000( 000D 0007 oe/2V 4,ID OD29D2 ssD OD AeAP, r mtQMr Pd PH IMem 1 o dr 6 r N 0 0e sutra mand --� l0(DtlWO(WW 0002 011/22/2)02 206D0 To allocate a transaction, an Account Manager would simply click on the box to the left of the transaction detail and then enter the allocations into the appropriate boxes on the right If the account numbers to be used are unknown, then the numbers can be chosen from selection boxes by clicking on the blue question marks to the right of the allocation fields Once a user is done with allocating transactions, the next step is Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 39 November 28 2007 either "Save and Hold" (to come back and work on a later day) or "Save and Submit" which would make the allocations ready for review by the user's approver A MioutaOi E-Ertr N-Nee 5-Se u-U A11 [ 5.., lie O, gaAm .n'Ftk� i 40W I1� �4 1 17 U ONDE N JASON O9 W2002 AVIS )D00( )000t WOO 0007 09/26/2002 22200 R[ce M r Cmt G M ed 7 vX I M I O d- __ C J 7 3 ki A MEXIISON JA&CN OWW2003 NAULIOT 0.Lb xourR colter— _ 7 (j =i0()000t OOOO 0007 OW26/2002 6W OO R Pv r- Gil Gr�MiroM 5363 T AX OM I`000000 '> 3 r N ANDERSON 09/2 2002 TT r_� Sub GL Sutr ¢a ix wG =0)ASOND I000f lOOO( 0000 0007 09/22/2002 3O6 00 336 00 Neceip[ r Grt GnM eoG In City s current system data entry provides the most frequent source of account allocation errors Any proposed system must have processes in place which minimize such errors Visa Information Source will automatically verify whether or not the codes used for allocation are valid for the specific codes segments VIS can also be set so that only certain codes are available to use for certain users — so as to prevent departments from using other departments accounting codes Below is an example of a message that an Account Manager would get in the event of entering an invalid account number for allocation GL Account 110 2542 6417 000 00 7 * REPAIRS AND MAINTENANCE Vendor ID 124720 7 * UMB GSC/MAINTENANCE Accounting Code 8889 is not valid for Accounting Code Segment Dept Dept 8889 1 7 *=required Purchasing Card Administrators will need access to the same system with enhanced management capabilities Proposals should include process descriptions sample images and (if possible) online access to a sample system UMB will set up City of Fort Collins Administrators with access to any system that is requested UMB will work with the City of make sure all Administrators have the necessary access rights as well as training materials to see to the success of the program Per section 2 3 the proposed PCard system must include the ability to transmit transaction data into the City's Oracle JD Edwards EnterpinseOne finance application That interface will link the PCard system to the City s AP module Alternatives will be considered The file extract tool of Visa Information Source is the best tool to use for integration with finance applications With this tool, users can fully customize from over 300 data fields to have exactly what transaction details need to populate into the extract (in order to fit with what is required by the financial application) The extracts can be run into a variety of formats, including but not limited to Excel (* xis) and Comma Separated Values (* csv), depending upon what is required for upload into the financial application UMB has much experience with helping programs find and develop the proper extract format needed for integration with accounting systems Response to Request for Proposal Prepared for City of Fort Collins Co P1090 Purchasing Cards 2007 40 November 28 2007 Proposals should include 1 Description of available methods for transmittal of data and what payment parameters are associated with each billing format UMB has many options for transmitting billing data files The files are available in a number of formats and can be transmitted through secure e-mail, ftp site, secure website access, or an automated distribution can be created The method of billing and method of payment are separate from each other, so that no matter what format the City chooses for delivery of data, the City can still choose the most efficient and convenient method of payment The billing of accounts can be configured to meet the business needs of the City Individual accounts can be assigned to cardholders, specific cost centers, projects, or even general ledger accounts Each individual account is sent a statement listing transactions, and control account statements are a consolidation of a group of accounts, by department All statements can be directed to any one or more addresses for review or can be obtained via the Internet Three billing processes can be used in any combination to meet the needs of the City of Fort Collins Individual Billina accounts are individually billed and paid Consolidated Billing accounts are billed individually and consolidated to a master control account based on unique city defined groupings Diversion Billina accounts are billed individually or consolidated, and certain charges based on type of vendor, are diverted to special purpose accounts 2 List of information that can be attached to each card account A wide range of user specific information can be attached to each account for billing file purposes This information can range from simple card account number and cardholder name to accounting code information for reconciliation purposes There are three levels of transaction data that UMB can make available to the City of Fort Collins The availability of this data depends upon the ability of the merchants to transmit this data at point of sale Level 1 data is the primary level of data that a merchant must transmit in order for a card account to be approved for a transaction This data typically includes supplier name, total purchase amount, date of transaction, location of transaction processing, and the merchant category code Level 2 data adds additional information about each purchase, including the sales tax amount and the customer code Level 3 data adds full line -item detail to the data This can include quantities ordered, product codes, product descriptions, ship to zip code, freight amount, duty amount, and even unit amount As mentioned, the availability of Level 2 and Level 3 data depend upon the capabilities of the City's merchants supplying the information at the point of sale Level 2 and Level 3 data that is put through by the City's merchants will be made available to Account Managers and Administrators through Visa Information Management Through the website, users can log on and view the transaction details that are put through by the merchant, which could help to ease the transaction reconciliation and re -allocation process for the City Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 41 November 28 2007 3 Description of technical support available for electronic billing processes The City of Fort Collins will have access to the Commercial Card Team for all questions or concerns The Commercial Card Team is well trained and is able to assist on most all technical questions If the issue is such that the Commercial Card representative for the City is unable to answer it can be escalated to OMB's Information Technology Department, the Visa Commercial Help Desk, or to the Service Team at First Data — depending upon the nature of the situation 4 A description of how card Information is kept secure Including the name of encryption method or software used As a regional bank, UMB is held to high standards for data security The City of Fort Collin's information will be kept secure utilizing industry recognized security procedures If the City requires more detailed information pertaining to data security, upon award, UMB will provide the information requested 5 Describe Service Providers back-up/restore procedures for billing files and for transaction files related to City accounts UMB will be able to recreate any file that is corrupted, lost, or destroyed for the City at no additional charge This is available for up to 25 months of history 6 Indicate the availability of electronic billing file Electronic billing riles can be made available to the City of Fort Collins upon the request of the City The method of delivery can be chosen by the City and can include a mail, secure ftp site, or online delivery through Visa Information Management 7 If billing file (Invoice) does not match transaction data describe the tools available to the Purchasing Card Administrator can use to resolve the discrepancy UMB has other reporting resources available to help resolve any billing discrepancies Any time there is a mismatch between the billing file and transaction data, the Purchasing Card Administrator can contact the account relationship manager at UMB to help discover the source of the discrepancy The City of Fort Collins Purchasing Card Administrator can also be granted access to the same reporting tool as used by UMB to help resolve discrepancies This tool, Commercial View, is a direct method of downloading large quantities of transaction data direct from First Data, the card processor and producer of the billing statements Since this comes direct from First Data, this information will always match the billing statements and will serve as a resource for comparison against other transaction data Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 42 November 28 2007 CommercialView. www fdreommercialview com. Is a web based reporting tool that provides Administrators access to fourteen management reports CommerctalView gives the user a rolling 13 month history of detail information and 25 month history of summary data, allowing for historical analysis of the program Data output can be saved as a formatted report and printed or saved into an electronic file for virtually unlimited reporting capabilities Commercial View CommercialVlew reports can easily be pulled by simply pointing and clicking the report to be viewed The Selection Criteria tool allows the user to filter the data in order to narrow their search All data elements can be pulled by not selecting criteria Column Name Cardholder Account Number Cardholder Name Cardholder Address Line 1 Cardholder City Cardholder State Cardholder Zip Code Cardholder Phone Number Cycle Code Credit Limit Open Date Expiration Date External Status Auth Strategy Last Activity Date • of Days Inactive Use Levels Reporting Level 5 Reporting Level 4 Reporting Level 3 Reporting Level Dots Reporting Level Condition Value(s) Equal To biL_ Local intranet Response to Request for Proposal P1090 Purchasing Cards 2007 43 Prepared for City of Fort Collins CO November28 2007 Once the user has selected their criteria the report can be ran as a formatted report and printed Frr EM t Fa%nEn Toot XEp MO DEPT OF CONSERVATION Cardholder List Report Report Dats 0911312004 Sys 1 Prin / AgeM 558012800 1400D Company ID I Name MODOC I MO DEPT OF CONSERVATION I ri,P11a1w Crai Limit Open Dme LOWAMAyDato p EW&TM Sh/aa E1lgralbn gals larDmlgkmcon (I 3m000 03� M. 31 t]n0r1003 JOMron MlYel NDRMAL D3anaoos woc zTe Wreath a fbuMbn Perkv 57 7514115]11521 ST3]SiNtS 300DA0 09�OI/1aw 15 DM N2pDi NniR�W V�Wo LOST 09.01Y2E03 MOOC 551 MnY 51411111]50 ST3r514115 300000 MWM 15 D3RTlS(M1/ N,w Tom N(lRMA1 03lJ1fJ005 xOoc 17 L wale 9.baepn MO5150]Y193 Al0 fi30111tgE 15 Wl4YSJf12 Noll pxW CLOgD 091O1ftDW WOC W4 ASeyNras KnsasOy s10E110eoo00 5TW514115 Y_ it By choosing the Save Data option, reports can be saved as a text separated value(tsv) file The text file can then be opened in a variety of spreadsheet programs allowing the user to produce ad hoc reports for analysts or monitoring purposes and discrepancy reconciliation U. Fdt! }!w+ Ynnrt Fgwot L oI. Do 11d1daw Il.b 1 u 9 h _ ! w L2 ft t3 A ® 6B OV60§ 0 -OP VI It J 9 C J F ArW a B I M M E® to e4 A Nagai Tom A C U E F p X 1 2 ACCdM W CNInY]Lr�YM xzxixz zzzzxaa. /.I.a..qu ADIIFJII _ CR Y NA STATLCO ECImIrJM OLC1lIR ACnIr CZr Vf CXim11i1LRAT WYLxMCrYY r xxx%xzxzxxzxvu „� es.y w oxwne woo oxwros wows rnuwJ wu 9� e 03mo wow. raxxtJs wr Ato wnuw w/avw nmm e xzzxsw o rxW .Jw y rk..,k cww No weo mnuw wow rukua E""'•w+a Hr oA«. Aw a000 Down. mow r%zkvA zz� zraz vs. .1.u... ank. na.w r%n win mrouaa mhw Konxtla z xxzxxxxxxxall rea..xW. Nr rJr«x Nw win otwno wow nanrw n %xxxxxxxxX%%tl» nar.J.R AbYlgaN a.nm Jl.r ply xa a000 oiwn! wnw Na1M11 zzlaxxxxxzxxnu m...ltu AJvIJv�W s.Ma. /Jrv.wpp xto wwo ovana mnm Xwkw s a %Y%x)'IXYXXXIna» MMvv}[w AaaYsbWY s.rvkv /al.wpY xp saao o10Ydi wnw Mb11M[ nxxxz YXX%%a» e..l...cw,l As e.Ne.. u.w.Y xa zw owu2o wnvw a. r xxzxzxszzaG .w.Mk w., wok o>.nene wnw nonrwu xxx%%.p.%xY pJyµM. w wkGgW wC4Y oYdlw wnw M' IML xXxX%%XXun rk.ry.AvX a. w.CA M rn CMy aw aow pye/I» nw N]nwa xXXXXX%zuau nyp+AMw wi w�Cxy ww mwl» wnw rcmnu XXxzxxxxm w xyA.« run.x. o w xcYr ww mrou» mow rlokxva oJ�uew.a. zxuXQxxYYxvu v 'n zxxxzxxxxx%xasx Apexw... ...-s.k. rw.Y r nwY c r.0 c Iwbl kw xto mroum woo oorouaa tmo wrwue w xonwJ mlivm xonruA wnw KNkle[ St xxxxX%xx �.c....A.r. M.,v„G„x c b.si. rro a000 oaaua[ wnw xonwa XxxxxzxxxaX.,xlns poesy. Aa...a.r /awx.wy nw awo oenax. ornwo norm r ZZ%%%X%XXX%XtlX IYNJpp11Y AwYMw 4ry /alam CpY k1] win oOO>'DL wnw Nd11ML X%%X%% xxxxx9 MYM µ9wrW AWMrYr lank /tl.e C%y MJ wW VCN wnw lalMLL maXzxu/pte .mw/.x r.r %ar rXo ww Dames wnw rOlrgC z x:azzxzzvsa» wso.e, Aa.ki..w Ia.x. xr w win waves o nw nokuu %Y]T'XXX'.Ot%V[Vw MdY�FAr xla' X%%%%),'iV r���_�n XXX%XYYY%%%%l[bp lar�dJsa 0.aaw.[M tlr AW4pw Awklww 4nb ItlW�x CNy Mlrvx Cxy _AnvW Mp Mp ]000 »pyp ]00O glwn. ww OWydp wnw rO1MIl mow MORMN wnw XnIM.LL %XXXXXX%XYz tCN UYnrf4� .1YI�uWr Anka Cqe WMx IMp ww w/OydC wnw NONMLL %X%YJp]f%Y I{aN XJUsYv Ai CVMav xY4ak Mp 9ppp wnyde oL]w nwm 6 a zx m zzxxxnu x.rve..xW ixw ww aria mow r/oakw I nEM � � � WoSriePw � \k ❑ O ®vw W ® ® A � . ii � — � � �+ _ Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 44 November 28 2007 In the event an individual Account Manager is not available to allocate/approve transactions for assigned cards describe the ability of the Purchasing Card Administrator to either accomplish the necessary tasks directly or assign the cards to another Account Manager Visa Information Source allows for an Account Manager to designate when he/she is `but of office" This function will then push transaction information for allocation and/or approval to a designated backup Account Manager Visa Information Source is also flexible enough that if the access settings for a user or Account Manager need to be updated to allow access to a new account or department, any changes that are made by an Administrator will take effect immediately in real time This will eliminate any possible downtime if unexpected changes need to be made on short notice to the availability of Account Managers A preview the setting is below User Account settings Account Name pattykroll Role Company User „ WO Region Us Financial Institution UMB 5580 Company tout of Officeg Off 9 When an Administrator initiates a change to a card holder via the card management system how can the Administrator track the progress of that change? For initiating changes to cardholder accounts, the City program Administrator will be given access to the UMB Commercial Card self maintenance website This is a web based tool that will give the Administrator real time access on a 24/7 basis to all card accounts Administration features include credit limit changes (permanent and temporary), authorization strategy changes (permanent and temporary), account status changes, address changes, the ability to order a replacement plastic, and the ability to request a new account Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 45 November 28 2007 4/IOIesf Nall. Cuabmel lniolmatl0n wM N sSNM eI 'r 120 1lus leansli,ie Busalna Ross, UMB 10[k{ORbn seardlsse, UMB BPNK 'mod 906 GPANO MS 1110801 C m r6u.y Coale lPaSMO M Vsseta PessvoN CNy KPNBAG CIN Yos IMG —_� 21p Cses 6s10E200J Cusftmo Cleat merclalfartl cemn_. trbtM i2500 Cv BeaKe s41J26 A1easIlU GM 12081 FDRC m WVew V I t Im In Ma .1 m M AtcwntDOalls Ntiv4dfsn sbara0'�M92JI ArmansteM � _� CWW tees 00 uotlam mourn For lost or Mien cares pleas* call I 1121418* or 81 BIB*38 is report lest send At a __uW._ i )• r Any administrative changes to cardholder accounts made using the UMB Commercial Card website will take effect Immediately For confirmation of the changes, the Administrator would simply need to refresh the Customer Information screen to view the changes in effect For further confirmation, the Administrator could also contact the UMB Commercial Card department b sl.Ommtic 10 x{.. tal*rr.awf tserlmll All YY Morever lssnsse Eon Aces unto OF ACCOW 0 AacourR lockson*m CardhOldsr Name JADKSONTIM Sexrh leper L" cl Cram Nallwpidm L�80ailPaIL1YWL NllcrisLOWTarCrlb Yen Bab 10/29/2007 END" 70129,/l007 0 Set Tempuar, Credit LmR 10 File transmission quality control - How will Service Provider control/ensure the following That report files are transmitted at the same time and day Interval Reports run from Visa Information Source have the ability to be programmed to run on a daily, weekly, monthly, end of billing cycle, quarterly, or annually basis Users of Visa Information Source can go so far as to set the time the report begins its execution Below is an example screen shot of the set up of report execution frequency Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 46 November 28 2007 9ehotlulo a Report " lurt OcuWalNnn 1;6�*ttilon +.ra, 3Yti{,t"� k d � -, i&>n. Report Name• BPC Statement 0 Belousova 08 22 07 statement data Execution Frequency O One Time on date KV/2WN O Daily O Weekly an day of the week r O Monthly on day of the month O Quarterly / O Annually Type of Period Run days after period and O Run days after billing period and Execution Yme" 14 v 30 M Delivery Option^ E-mail v • That no duplicate transactions or files are transmitted • That file contains the accurate and complete set of transactions for the specified time Interval Payment shall be automatically debited from the City s bank account monthly on a specified date LIMB will work with the City of Fort Collins to establish an automatic payment process that fits the needs of the City LIMB will need to collect certain banking information, i e Bank Routing Number and Checking Account Number, to automatically debit the payment Payment can be set up to post to the Card Accounts on a specific day of the month or on the due date and can be set to pull the previous statement balance or the current amount due (previous balance less current credits) 215 Ghost Cards The City does not now use ghost cards but might in the future Proposals should include information about the use of ghost card accounts for procurement UMB proposes to provide ghost or cardless accounts to the City of Fort Collins These accounts are purchasing card accounts without the plastic being issued All transaction made on ghost accounts are included in the normal billing and transaction data provided to the City Typically ghost accounts are used for high dollar transactions such as for computers, office supplies, telecommunications, etc Ghost accounts are handled by trusted employees with targeted controls by specific MCC groups or vendors Since these accounts are part of the normal purchasing card program, transaction data is supplied with the entire City's billing statements and will be a part of the transaction file uploaded into JD Edwards The City can utilize as many ghost accounts as needed with unique controls built for each 216 Inactive accounts The proposed system must include a method of removing inactive card accounts from the active system Card accounts can't be removed until all charges on that card have cleared the system Accounts may have to remain in the active list until the transactions are no longer needed for financial purposes but at some point we would like the management system to contain only active card accounts Inactive cards stay in the system for historic reporting purposes However, any time a program administrator or account manager is selecting a group of cards online there is a check box to remove closed accounts from the list, only displaying the open cards Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 47 November 28 2007 2 17 Large Purchase Merchant Fees At some point the City will begin using Purchasing cards to pay large payments especially recurring charges such as utility bills Proposals should Indicate the vendor's willingness to reduce merchant fees in order to facilitate large payments Merchant fees are negotiated between a card accepting company, their merchant processing bank, and the card brand companies UMB as a card issuer is not involved in the pricing of merchant fees However, if a City of Fort Collins vendor is Interested in becoming a member of Visa's large ticket reduced interchange program, UMB will assist that vendor in doing so 218 Sale of Cardholder Information The Service Provider shall not sell rent or otherwise distribute a list of participating cardholders their addresses or any other Information to any person firm or other entity for any purpose without the written consent of the Purchasing Card Administrator UMB will not sell, rent, or otherwise distribute a list of participating cardholders, their addresses, or any other information to any person, firm, or other entity for any purpose without the written consent of the Purchasing Card Administrator 2 19 Hosting Information Provide Information relating to your firm's hosting capabilities including 1 Hosting location equipment operating system database and security features All information pertaining to the City of Fort Collins card program is housed either on OMB's or Visa's servers As a regional bank, UMB is held to high standards in terms of data security The City of Fort Collins's information will be kept secure utilizing industry recognized security procedures If the City requires more detailed information pertaining to data security, upon award, UMB will provide the information requested 2 Capacity limitations If any There are no capacity limitations for the technology solutions listed 3 Length of time card data is maintained Card and transaction data is maintained for 25 months online for reporting purposes This provides the City the ability to perform historical year over year analyses of their card program 4 Procedures for archiving data either by your firm or the City Data is automatically archived on Visa's servers after 25 months This information is available to be retrieved if necessary 5 Describe security and encryption between web client and web server As a regional bank, UMB is held to high standards in terms of data security The City of Fort Collins's information will be kept secure utilizing industry recognized security procedures If the City requires more detailed information pertaining to data security, upon award, UMB will provide the information requested Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 48 November 28 2007 c 7.1 References from five or more organizations which have used your company for similar products and services within the last two years Vendee DeVore Assistant Director Carolyn Teter Administrative Manager Division of Accounting STATE OF WYOMING STATE OF MISSOURI Slate Auditors Office Office of Administration Capitol Building Room 114 301 W High Street 2001 Capitol Avenue Jefferson City MO 65101 Cheyenne WY 82002 Vendee DeVore(a)oa mo oov cteterl(a)slate wv us (573) 751-3289 (307) 777 5620 Tim Hund Audit Services Team Keith Ashby Purchasing Manager STATE OFKANSAS ARAPAHOE COUNTY Co 900 SW Jackson Administration Building Room 351 S 5334 S Prince Street Topeka KS 66612128 Littleton CO 801201136 Tim HundOda state ks us kashbyOco araoahoe co us (785) 366-6347 (303) 795-4435 Diana Morton Carole CJ Johnson Finance Department Procurement Card Coordinator LARIMER COUNTY CO COLORADO SPRINGS SCHOOOL DISTRICT 11 2555 Midpoint Dr Ste B Procurement & Contracting Department Fort Collins CO 80525 1115 N E Paso Street dmorton(allarimer ore Colorado Springs CO 80903 (970)4985939 JOHNSCJOdll org (719) 520 2040 Adele Gain Purchasing Manager Harry Patel Finance Director CITY OF GREELEY CO CITY OF CANON CITY CO 100010' Street #215 PO Box 1460 Greeley CO 80631 120 Main Street adela gameareelevoov con Canon City CO 812151460 (970) 350 9326 hmatel0canoncity ore (719) 276 5251 A written description of the proposed products and services as required in Section 3 0 Proposal Preparation The written description of the proposed products and services as required in Section 3 0 are included in tabs 3 8 of this proposal e Pricing as requested The pricing associated with this proposal is included in sections 7 and 8 of this proposal Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 4 November 28 2007 Can the City host the PCard transaction management system on Its own servers? If so please provide the following 1 Operating systems supported 2 Database management systems supported 3 Report writing tools 4 Web application servers supported 5 Describe security and encryption used in a City -hosted system All of UMB's technology solutions are internal: based and therefore the City would not be able to host them on its own servers 2 20 1099M Information The City would like to receive a file from the PCard supplier listing tax ID information for vendors that need to have a 1099M processed for them at the end of the year Describe in your proposal how this can be accomplished Visa's 1099 reporting service can help City program administrators gather the information they need to meet the City of Fort Collins's form 1099 tax reporting requirements It provides merchant specific information needed for yearly IRS 1099 MISC reporting, such as business legal name, incorporation status, and taxpayer identification number The application matches Visa purchasing card transactions to data contained in the Visa Merchant Profile Database (VMPD) City program administrators can create customized reports that provide enhanced transaction information, allowing for quick review of Visa purchasing card transactions by merchant Visa 1099 reports can be pulled in excel spreadsheet or PDF format UMB can provide extensive documentation to each City program administrator on Visa Information Management 1099 reporting Here are some of the features that Visa 1099 reporting offers • Access to the most complete supplier information available today through the Visa Merchant Profile Database • Ability to generate reports based on IRS defined reportable Merchant Category Codes (MCCs) • Ability to select pre defined merchant industry segments such as airline, employment services etc • Ability to choose selection criteria by incorporation types, including individual/sole proprietor, partnership, corporation, and more Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 49 November 28 2007 Here is an example of a 1099 report pulled in a PDF Format VISA Carper MS C VA M R III TR W "AR UM Oaw1b"WR) Otlar PRTRIR AZ(A) TMMQIONT/PR M M=MMRtl "Sftxn R M 186awaisa9 Saul AN MCC /MCC ORRa"M ARMY TRR OUNOW am kAOM xRnae T11R M AMFRr IFx:S8a86Rcae.O apt 111406%zip SMSP OJL Mr M1wR I M MRiR AMnRa aMe a46e14 32p RAMS NaRc► RANURe� WSID OIW IAMORCAP[iM IICULI IMMR RWI9 NILL9lMAN{ NURSBIY IQLLFRMAIN NURSMY a FLOR 431196671 II W W STN ST CORPORATION OUPf6R S C WASNINOTON M0 630W1628 R6 (636)239-6329 Fa (636)239-0103 MI, 9 220 492L162 1211 MaMWy, PIINIiM119 AN CaM —T i JWCO SAlFS M M SadFs 130722"S IIW MA0 D AVP CORPORATION ON6PfEP 5 SAOTr LWIS MO 63130 1430 PN (319)768 4200 Fax (314)768-4Z96 WJS 236220 310326 Una Tftal I 6. I1� TrFa Alwsrl F196 W 10995u.n RAp W a1FRRpFC V4 RIn SCIAOO I a 390 221 Rebates Annual rebates must be calculated on the total amount of charges made by all entitles operating under any agreement resulting from this request for proposal Each entity must receive their rebate Individually Describe your rebate structure and processes related to timing and method of payment The rebate rate for the City of Fort Collins will be calculated on an annual basis based on the total net purchases (purchases minus credits) of all entities operating under this agreement Rebates will be paid to each entity separately based solely on their volume, and all participating entities rebate rate will be calculated solely on their net purchase volume A rebate scale is included in section 6 of this response Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 50 November 28 2007 2 22 User Conference Describe the vendor's user conferences and other networking opportunities Include a description of how the vendor Intends to facilitate attendance by City and other participating entity personnel at such meetings seminars etc UMB, along with Visa, hosts several annual Public Sector Purchasing Card Forums Arapahoe County has hosted the past two Colorado conferences At the 2007 UMB Front Range P Card Forum over 30 government entities were represented by over 50 people in attendance Ron Sager and Matt Matzen from UMB presented on topics including the UMB/Visa optimization tool kit and travel card opportunities while representatives from Visa spoke about industry trends and updates and 1O991QPCA Several UMB customers have also taken part in a Colorado Public Sector P Card user group If the City of Fort Collins is not aware of this group, and has an interest in becoming part of it, UMB will ensure the City has contact information for member entities Along with the items listed above, UMB's extensive experience in the Purchasing Card Industry allows us to provide the City of Fort Collins with information on other regional and national conferences that may be beneficial to the City Response to Request for Proposal Prepared for City of Fart Collins CO P1090 Purchasing Cards 2007 51 November 28 2007 Responses to Requirements unique to Poudre School District 1 1 Poudre School District Participation The Poudre School District (PSD) has elected to participate in the card procurement process Requirements relating to PSD are the same as for the City of Fort Collins except as specified in section 2 0 Requirements The School District will complete a separate agreement with the selected vendor and each agency will receive their own rebates The Poudre School District R-1 will negotiate directly with the Service Provider with whom the City of Fort Collins contracts PSD initiated a purchasing card program in July 2006 The first year of the program generated 219 cardholders and resulted in transactions totaling 8 543 The purchase of goods and services totaled approximately $1 075 750 Continued program growth and development is anticipated in 2008 UMB understands and accepts that Poudre School District has elected to participate in this card procurement process If selected, UMB will complete a separate agreement with the Poudre School District R 1 231 Poudre School District Requirement The vendor must demonstrate the ability to provide appropriately formatted data (tab -delimited text files) including the ability to extract at a minimum the data fields Date Amount Vendor and Card Number PSD will not require a system interface to the existing District financial system Utilizing Visa Information Management's File Extract Tool allows UMB to provide data to Poudre School District in a number of formats, including tab delimited, Excel, csv, and XML, among others With the File Extract Tool over 600 fields are available to be downloaded, including Transaction Date, Posting Date, Transaction Amount, Vendor Name, Cardholder Name, and Cardholder Number If desired, a mutually acceptable process for interfacing the purchasing card transaction data with the District's financial system can be developed via existing web based technology The UMB Commercial Card Team, along with UMB's Information Technology Department will work with the appropriate Poudre School District parties to develop the processes for interfacing with District's financial system 2 51 PSD Card Design Poudre School District shall work with the selected vendor in the development of the PSD card design which must include the individual s name as well as the District name and logo The same card options will be made available to the Poudre School District as are made available to the City of Fort Collins, listed above Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 52 November 28 2007 Description of Enhancements not Specified in the Requirements UMB would suggest a program optimization review for the City of Fort Collins Purchasing Card Program This could be integrated into the contract transition to identify ways to improve the City's Card Program Below are some of the tools available for this process Visa Procure to Pay Pronram Optimization Visa and UMB have launched a new program designed to identify opportunities for clients to improve procure to pay operations and increase savings through their card programs The Program Optimization Review, which requires minimal time and effort, helps organizations benchmark their processes against best practices, identify opportunities to realize both hard and soft dollar savings from process efficiencies, and explore Visa Procurement card program expansion tactics Qualitative Analysis Procure -to pay and Commercial Card Best Practices are derived from studies conducted by Visa in association with Deloitte Consulting and cover key activities such as company strategy, organization, strategic sourcing, technology, purchasing, travel, and procure to pay processes Quantitative Analysis The Visa Accounts Payable Analysis Tool assesses the City's spend data by supplier, business unit, transaction size, and other factors Financial goals are established and then actual results are tracked over time Spend Analysis UMB will analyze the City's spend data or accounts payable data utilizing our Visa Accounts Payable Analysis Tool After the City submits their accounts payable data, UMB will sort it by transaction size and by type of payment, such as check, ACH, wire, and procurement card Where appropriate, UMB will further organize the data by business units and cost centers as well as segregate it by spend category or commoditytype UMB will then match the suppliers against a database of Visa accepting suppliers to show how much spend volume and how many transactions are potential opportunities for the Visa card program Detailed reports and charts will be provided that analyze the City's data by spend type, transaction size, Visa accepting merchant, and type of data that the Visa merchant provides (Level I, II, III) Return on Investment or R01 Financial Benefit Analysis UMB will help the City determine the expense associated with processing purchases and payments within the organization to come up with a Process Cost Savings statistic This statistic represents all costs from the point at which an employee needs to buy a good or service through the order process all the way to payment and accounting for it Then, based upon the target number of transactions to be migrated from check to the less expensive method of payment by Visa Procurement Card, UMB will estimate for the City ❖ The annual recurring soft and hard dollar savings the City could achieve A Return on Investment (R01) using working capital and cost of capital assumptions Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 53 November 28 2007 Another feature that UMB believes the City should consider is the Visa Accounts Payable Automation Tool The pilot implementation of the Visa Account Payable Automation Tool is scheduled for Ist Quarter 2008, with the full roll out of the tool occurring in the 2nd Quarter of 2008 This tool will allow the City to initiate a batch payment file to pre -determined vendors The file will create an email alert sent to those vendors with a purchasing card number attached to it Upon submission of the file, the limit associated with each number will be increased to match the amount of the payment The increase will be in place for seven days After the seven day period, the limit will be reduced back to zero After all payments have been made through the card program, a reconciliation report will be provided back to the City for review showing the amount charged, invoice number, PO number, etc All transactions made on the card program through this tool will flow through the normal reporting of the program as well as be eligible for rebate under the same conditions as all other transactions The pricing of this tool has yet to be determined Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 54 November 28 2007 Work Plan for Implementation UMB understands and has provided the following contract implementation plan for the City of Fort Collins The following individuals will be part of the UMB implementation team that will be assigned to the City of Fort Collins that will provide the leadership and experience necessary to provide a successful card program Ron Sager, Senior Vice President and Commercial Card Manager, has been with UMB since 1978 Ron Sager has successfully implemented purchasing card programs for the State of Kansas, State of Missouri, State of Wyoming and State of Arkansas Travel Card program as well as many City/County municipalities, Universities and Public School Districts, along with many private sector entities Tim Jackson, Vice President and Commercial Bankcard Officer, has been with the card center since 1994 and has been involved with many of the programs partnered by UMB Matthew Matzen, Commercial Card Account Manager, has been with the card center since 2005 and is the account manager for many entities, including the majority of OMB's Colorado partners a UMB will assist the City of Fort Collins with the planning and evaluation of a customized implementation plan for the City The customized implementation plan for the City will include but is not limited to the following procedures Conduct meetings in person or on the telephone to recommend or define features of the programs in detail and determine implementation tasks Assist the City in designating the participants and determining activities, which allow for an effective program for departments of the The City of Fort Collins Determine expectations of the participants and assist in defining how success will be measured and reported Assist with the design and fulfillment of needs for customized forms, letters, card plastics, and procedures Assist with the training of program leaders on interpretation of reports, implementation of controls and cardholder implementations when necessary Determine vendor support levels and implement conversion where necessary Assist with the training of cardholders Continue to evaluate programs with the City of Fort Collins Officials to plan for adjustments and customization of additional features for new or existing departments Provide on going program evaluation assistance, procedural evaluation, and technical expertise to ensure continued success and growth for the City of Fort Collins Card Program A complete purchasing card implementation plan and training program for management, cardholders, and vendors will be mutually developed upon award of the contract The City of Fort Collins purchasing card program should be customized to meet the goals of the City and all training will be developed with those goals in mind UMB is experienced in providing Purchasing Card programs As the issuer of the State of Kansas, State of Missouri, and State of Wyoming for both Purchasing and Travel cards, as well as the State of Arkansas Travel Card program, UMB can provide knowledge and experience in the implementation and expansion of the City of Fort Collins program UMB will assist the City of Fort Collins in training as much as needed to make sure the City program staff, City administrators, and cardholders feel comfortable with the technology and procedures for the card program Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 55 November 28 2007 The UMB Implementation Plan team will be assigned to assist the City of Fort Collins with the following tasks to name just a few • Analyze City needs • Analyze policies and procedures • Determining Card Design • Setting cardholder authorization strategies • Setting billing options • Determine Report and Technology needs • Develop Training procedures • Train City administrators and cardholders • Evaluate Programs • Plan for new ways to expand current programs and implement new departments and optimize program use Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 56 November 28 2007 Objective CONTRACT IMPLEMENTATION PLAN THE CITY OF FORT COLLINS PURCHASING CARDS PROPOSED SCHEDULE AND COORDINATION OF IMPLEMENTATION Task Timeline (estimated days after award) f Create An Implementation Team Select Implementation Team members and the Program Manager • Meet with your Implementation Team and UMB Bank Implementation Managers to introduce the program UMB Bank is represented by teleconference, or in person as required from this point forward 10 days 2 Develop An Translate Strategic Goals Into Specific Implementation Plan Implementation Activities 20 days • Plan the City's migration to UMB Visa Purchasing cards (pilot or City wide roll out, voluntary or mandatory change) • Determine final City card design and appearance Research and Design Visa Purchasing Elements • Identify the types of purchases purchase limits, commodities and suppliers to be included in the program • Determine ledger reporting and technology needs for the program • Determine how Visa Purchasing Reports will be provided to the City • Establish cardholder and manager accountability procedures Review the detailed implementation plan with your program sponsors and executive committee 3 Establish Develop cardholder and manager 30 days Policies and Procedures procedure guides • Create quick reference" tools (as needed) . Create a cardholder agreement form • Circulate the draft materials for review • Produce final materials Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 57 November 28 2007 4 Enroll Suppliers (as needed) Identify suppliers and commodities you will need to have Visa capable for a successful program launch Determine data requirements by type of 30 days and onnoina supplier and cardholder responsibilities • Segment suppliers by importance timing and data collection requirements • Create a supplier communication plan and materials • Survey targeted suppliers to determine Visa acceptance and data capture technology • Finalize agreement between City and UMB • Assist suppliers in becoming Visa accepting or enhanced data collection capable • Continue identifying and recruiting additional Visa suppliers as your program grows 5 Create • Identify who in the City will be affected Communication and Training by the Visa Purchasing Card transition 45 days Matenals Design a communication plan for each group • Create communication materials to deliver your message • Prepare communication tools for the program roll out Continue to communicate program results Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 58 November 28 2007 10 GENERAL The City of Fort Collins (City) has utilized a Purchasing Card (PCard) Program since 1999 Currently the City has approximately 630 cardholders and generates about $340 000 in purchases each month In 2006 City employees purchased a total of $3 600 000 in goods and services using PCards The City estimates 2007 volume to be in excess of $4 000 000 and transactions to number over 30 000 Any transition to a new card provider will occur in 2008 with the exact timing to be negotiated The City of Fort Collins is seeking a Service Provider with the resources and experience to properly administer a purchasing card system including above -average customer service and a user-friendly flexible powerful management and reporting system System functionality should include on-line access to card account and current transaction information for account maintenance and administration and ability to make real-time updates to accounts While the PCard Program is an integral part of the City s procurement system the City cannot guarantee any minimum amount of purchase volume or number of cardholders even though such numbers are expected to increase over the next few years Proposals will be accepted from vendors offering a Purchasing Card with either an integrated card and transaction management system or a third party system for card management Proposals will also be accepted from vendors offering card management systems alone Award will be for a period of five years with an additional five year period contingent on approval by City Council UMB understands and agrees to the General Information listed above 1 1 Poudre School District Participation The Poudre School District (PSD) has elected to participate in the card procurement process Requirements relating to PSD are the same as for the City of Fort Collins except as specified in section 2 0 Requirements The School District will complete a separate agreement with the selected vendor and each agency will receive their own rebates The Poudre School District R-1 will negotiate directly with the Service Provider with whom the City of Fort Collins contracts PSD initiated a purchasing card program in July 2006 The first year of the program generated 219 cardholders and resulted in transactions totaling 8 543 The purchase of goods and services totaled approximately $1 075 750 Continued program growth and development is anticipated in 2008 UMB understands and accepts that Poudre School District has elected to participate in this card procurement process If selected, UMB will complete a separate agreement with the Poudre School District R 1 Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 5 November 28 2007 6 Establish Program Meet with UMB Bank to review your Parameters with UMB Bank program design and identify purchase 45 days authorizations and cardholder limits Review UMB Bank cardholder enrollment information requirements and forms • Establish procedures and time frames for Visa Purchasing card administrative logistics • Determine how the City will pay UMB Bank Billing procedures Payment method Statement reporting requirements • Distribute enrollment forms to your pilot participants • Enroll (order cards) for program participants Receive Visa Purchasing cards and hold them for cardholder training 7 Begin Your UMB Bank Set program goals Program • Communicate about the program to affected managers 45 days • Ensure suppliers are in place • Train area managersicardholders and distribute cards • Assist participants, as needed • Monitor program performance 8 Evaluate Results • Collect data to perform quantitative analysis of program results Collect data to perform a qualitative analysis of program acceptance Onooma • Review program performance with UMB Bank Synthesize findings and develop recommendations for program change Present findings and recommendations to your sponsors and executive committee 9 Expand the Program • Make required changes in program Ongoing structure procedures and goals • Implement new uses for the cards • Continue to evaluate results and make changes to grow your program Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 59 November 28 2007 Pricing City of Fort Collins UMB Bank is pleased to offer a custom designed Visa Purchasing Card Program to the City of Fort Collins, CO at no charge UMB proposes a program with no annual card fees, or per transaction fees or interest charges A custom Visa Purchasing Card appearance will be configured which will meet the specifications and needs of the City at no charge Customized distribution of statements will make it possible for delivery directly to cardholders or a coordinator, or groups of coordinators at no additional charge There is no charge for lostlstolen card replacement Customized evaluation reports will be produced to the extent possible at no additional charge UMB will provide the choice of any of CommercialView desktop electronic MIS, Visa InfoSpan, Visa Information Source, or Internet statement producing services and reporting at no charge UMB will provide a customized interface into Oracle JD Edwards EnterpriseOne at no charge Late Fees And Other Charges It is not a practice for UMB to add interest, late fees, or other punitive charges to government issued program accounts unless repeated and unresolved violations of the 30 day pay in full requirement occur Rebates may be affected by repetitive late payments UMB Bank is offering a rebate on qualified sales volume (sales, less refunds), payable on a monthly, quarterly, semi annual, or annual (negotiable) basis without reserves or minimum volume guarantees The payment of a rebate may be affected by late payments This rebate is effective immediately at the beginning of the program implementation For all qualified sales volume, the rates of rebate are listed in the table below There is no minimum level requirement to qualify for a rebate Rebates can be increased by 6 basis points (06%) if all accounts are paid in full within 20 days of the end of the billing period, and 13 basis points (13%) if all accounts are paid in full within 10 days of the end of the billing period A $1,000,000 to $1,499,999 54% B $1,500,000 to $2,999,999 60% C $3,000,000 to $5,999,999 65% D $6,000,000 to $9,499,999 70% E $9,600,000 + negotiable Rebates in the proposal are guaranteed for two years, unless substantial changes are imposed in applicable bankcard interchange reimbursement rates set by Visa U S A at al While such change is highly unlikely, it would equally affect all issuers and would be outside of the control of the Issuer Banks The volume of high dollar transactions (>$4,500) qualifying for Visa reduced vendor interchange is unknown Rebates on transactions qualifying as large dollar interchange transactions for the City of Fort Collins, Colorado program may be reduced when total volume of qualifying large dollar transactions exceeds 10% of the total volume used for calculating period rebates Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 60 November 28 2007 UMB Commercial Bankcard January 18, 2008 Ci rA of Fort Collins, CO Purchasing Card Program Presented by LIMB - Commercial Bankcard Services 906 Grand, Suite 800 Kansas City, MO 64106 Ron Sager, Senior Vice President Matthew Matzen, Account Manager Christian Lenz, Account Manager Sean Nohavec, Business Development Officer UMB Bank Headquartered in Kansas City MO Locations In aught states, 3 500 employees Known for Saon9 Balance Sheet Reaponsole Lard n9 Preca. Relationship Bank ng UMB Coloredo 12 Branches in Denver am Colorado Sprigs Chairman and CEO Moss out of Denver UMB s Green IndraWe Assets of $80DMM + 191 Employees UMB Commercial Cards Card aaueranoe 1969 Issuer 0P mhas nglCommerwat Cards a not 1995 Provider of four succmaf islets, programs Kansas Ma m Wyoming and Ariumus Provider of in eple P Card Pmgrema to Colorado Government Enid ea City of Greeley Denver Public Schools City of Golden Colorado Spnngs District City of Nonhglenn 11 City of Westminster Hamson School Dlatnd 2 City of Canon City Weld County Distinct 7 City of Glenwood Spnngs Eagle Courtly Schools Cityof Gunnison Summit School District Town of Snowmass LanmeT County Village Arapahoe County Town of Frisco Summit County Town of Carbondale Eagle County Town of Basalt GaMeld County Thompson School Distnd Pank County, 4MB Customer Support Dedicated Commercial Bankcard Team 15 people located m downtown "neaa City Cayof Pod Cdl vnIINveen eesgnWmm TMII Pmbs AceewiM rope No Vpl;e Me I n depedmeM Cuetomae l Tram rp AaalMercs UMM Our Proaraln Worldwide acceptance Visa bland —over M m II an merchants Unique cant design Plastic can be olaeted wdh a ph t ar image Reporting Standard! and Custom reports e e lable Controls C Ida and accounts may be C Horn ad to His y allow ups Our Program Online Account Viewing Commemial CaM Canter Mew mmemb sealers View wall sea uNo Pdn. Has Program Sell Maintenance MIS Commemlel Card! Pa If in 1. Ire Online Reconciliation of Purchasing Card data Vise Intimation Management PII cabin eecep PiMrp M1w4bll C Mmlab dais dent p Ib Egwit dat bMuirl IwI%re UMM Your Commercial Bankcarti Relationship Team Mq MM PswM1Nnrgr IOgMMzdtwuE m�mt BIBBISA53 9YNr mmz�� MYIWpnn CwmmvtlY BnMu�l MYM (InMYnMYlwl�uw�ll) B1BBliiIM ww rtOmY�'an MnM XMm fmmntlY BnFeuOTMnbn lerel[YMNMI) B16&3ffi8 me Mh M1w og�@uM an Rm SW Gx 1. Mu�J Cyl LWpn BIBBli l ww®uN Tlnrn Cnlpin CwmnaNB MirE BMn Mwpx eleua-me awm..wm..®�meoom lYn JrYan CamryrlBnbaNNYgnIMµ Mnpr BIBBl13B J m w4m® mL �'vm un� 2006 Annual Report Why UMM UMB Financial Corporation Loans 3.77 3.39 ' UMB Financial Corporation Highlights Noninterest Income 252 255 246 228 59.9 Net Income 59.8 56.3 At Year -End 2006 2005 2004 2003 (thousands of dollars) " Assets $8,917,765 $ 8,247,789 $ 7,805,006 $ 7,749,419 Loans, net of unearned interest 3,767,565 3,393,404 2,869,224 2,722,292 Securities 3,363,453 3,463,817 3,825,765 3,784,297 Deposits 6,308,964 5,920,822 5,388,238 5,636,125 Long-term debt 35,020 38,471 21,051 16,280 Shareholders' equity. 84i,875 833,463 819,182 811,923 Allowance for loan losses 44,926 40,825 42,723 47,494 Nonperforming loans 6,563 5,439 10,050 12,796 Key Ratios Return on average assets 0.79% 0.79% 0.62% 0.82% Return on average equity 7.09 6.79 5.21 7.28 As a % of loans: Allowance for loan losses 1.20 1.21 1.50 1.61 Nonperforming loans 0.17 0.16 0.35 0.47 Risk -based capital: Tier 1 13.81 16.14 18.20 19.13 Total 14.65 16.99 19.20 20.25 Equity to assets 9.52 10.11 10.50 10.48 Commercial Banking i Lending Commercial Lending Capital Markets Letters of Credit Payment i Technology Solutions Treasury Management Merchant Services �1 Health Care Services Stock Transfer Foreign Exchange Bankcard UMB is recognized as a leading provider of commercial products and services for Commercial Banking E Lending and Payment 3 Technology Solutions businesses including: lending, SBA loans, capital markets, treasury management, merchant services, healthcare services, stock transfer services, foreign exchange and bankcard. Consumer Services Credit and Debit Cards Small Business Banking Insurance' Consumer Lending Consumer Banking Mortgage With 139 banking centers in seven states and more than 570 ATMs, we offer a full line of consumer banking products from checking to investments. Asset Management Investment 6 Wealth Management for Individuals Private Banking Investment Advisory Services Personal Trust Custody Services Corporate TrusUEscrow, Services Individual Retirement Accounts Investment Management for Institutions We offer individuals and institutions a comprehensive approach to wealth management including proprietary and non-proprietary solutions. UMf Investment Sahrices Group )l1MS ISG) Administration and Fund Accounting Alternative Investments Investor Services and Transfer Agency Cash Management Mutual Fund Custody Marketing and Distribution UMB ISG has served investment advisors for more than 55 years and currently serves more than 130 clients with over $270 billion in combined assets. Banking Services Consulting Correspondent Banking Investment Banking Public Finance LIMB supplies a variety of products and services for banks, institutional accounts, mutual funds, municipalities and governmental agencies and individuals Corporate Information Z UMB Financial Corporation 1010 Grand Boulevard Post Office Box 419226 Kansas City, Missouri 64141-6226 816.860.7000 umb.com Transfer Agent UMB Bank, n.a. Securities Transfer Department Post Office Box 410064 Kansas City, Missouri 64141-0064 816.860.7786 Stock Quotation Symbol NASDAQ National Market System UMBF 10-K Request We will furnish, without charge, a copy of our 20G6 Report to the SEC (Form 10-K) to any shareholder upon written request. Please specify Form 10-K when requesting. The report and 10-K filing will also be available online at umb.com To contact us, please call: 816.860.7000 or 800.821.21.71 For financial information, contact: Michael D. Hagedorn Chief Financial Officer UMB Financial Corporation Begonya Klumb Investor Relations For other inquiries, contact: Marketing Communication at marketing@umb.com Notice of Annual Meeting: Tuesday, April 24, 2007 UMB Financial Corporation, 1010 Grand Boulevard, Kansas City, Missouri 64141-6226 UMB Financial Corporation (NASDAQ: UMBF) Credit Ratings as of December 31, 2006 Credit Ratings S&P Moody's Fitch Long-term Issuer A- /Outlook Stable A3 A+/Outlook Stable Short-term/Commercial Paper - - F1+ Bank Individual - - B Bank Support Credit Ratings (Subsidiaries) S&P Moody's Fitch UMB Bank NA Certificate of Deposit - A2 AA -/Outlook Stable Bank Individual - C+ B Bank Support - - 5 Safe Harbor Statement This document may contain forward -looking statements of expected future developments. We wish to ensure such statements are accompanied by meaningful cautionary statements pursuant to the safe harbor established by the Private Securities Litigation Reform Act of 1995. Such forward -looking statements may refer to projections of future financial performance and financial items, plans and objectives of future operations, and other matters. The forward -looking statements reflect management's expectations and are based on currently available data; however, actual future results are subject to future events and uncertainties, which could materially affect actual performance and cause future results to differ materially from those referred to in the forward -looking statements. Such future events and uncertainties include, but are not limited to, changes in: loan demand, the ability of customers to repay loans, consumer saving habits, employee costs, pricing, interest rates, competition, legal or regulatory requirements or restrictions, U.S. or international economic or political conditions such as inflation or fluctuation in interest rates or in the values of securities traded in the equity markets. Any forward -looking statements should be read in conjunction with information about risks and uncertainties set forth in the company's Securities and Exchange Commission reports, including its annual report and Form 10-K for the year ended December 31, 2006. Forward -looking statements speak only as of the date they are made, and the company does not intend to review or revise any particular forward -looking statement in light of events that occur thereafter or to refect the occurrence of unanticipated events. 'UMB"-. the "UMB logi and "Count on more."m - Reg. U.S. Pat, & Tm. Off. These names, symbols and statements are registered trademarks of UMB Financial Corporation. UMB WebExchange`m and Clienti-inks' are trademarks of UMB Financial Corporation. �e••Ea 12 Participation by Other Government Entities Other governmental entitles may be extended the opportunity to purchase or participate In any award made as a result of this Bid or Proposal with the agreement of the successful vendor(s) UMB understands and agrees that other governmental entities may participate in any award made as a result of this Proposal Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 6 November 28 2007 Why UMB Every day we must clearly prove Why UMB. Dear Shareholders: At the very core of who we are and what we do, is our relationship with our customers. You are probably thinking, "Every bank, or service provider, says that!" But at UMB, for the past 94 years, we've been putting it to action. Let me explain. As an industry, everyone talks about relationship banking. But by practice, that just means selling more products. At the end of the day, does the bank really care about you, and what your needs are? Do they listen to you? Partner with you? Advise you? On a truly personal level, do they know your business? Your family? When was t the last time you heard from a friend who banks some place different than you do, "My banker is more than just my banker." I believe that banking today has lost its ability to be creative and add true, meaningful, value to the customer. Most banks know their customers' buying patterns and sell products accordingly. At UMB, we've built our reputation by always doing what is best for the customer. We measure our success by the time spent getting to know our customers and by being sensitive to their needs. I firmly believe that we can do what's best for the customer, and the bank, and both "win." Our real opportunity lies beyond delivering products that are based largely on price. Creating and delivering high -value solutions that truly benefit our customers will drive our success. It is through these efforts that we add value to both our customers and ourselves. As a result, UMB is uniquely positioned to fill a void and to stand out amongst the competition. When we truly know our customers, we can deliver on our mission to advocate and advise, innovate and surprise. It's the Count on more" brand promise — when you are a UMB customer, you experience the difference — you'll see how one of our associates delivered on that promise on page 17. Knowing our customers and advising them is what sets us apart. I'm incredibly proud of all UMB associates — you've heard me say it before, but it bears repeating. It is our people that make this a great place to do business. Why LIMB Turning to our operating results, 2006 was a year of continued improvement. Reported net income totaled $59.8 million or $1.40 per diluted share, a 6.1 % increase from $56.3 million or $1.30 per diluted share in 2005. Our improvement in 2006 was primarily driven by margin expansion, loan growth and higher fee income. With regard to margin expansion, we are pleased to be one of the few U.S. banks that posted positive gains in this area despite a challenging yield curve. This is due, in part, to the actions we took in the past two years to restructure the investment portfolio, improve the balance sheet mix and focus on loan growth. We extended the average life of the investment portfolio during 2006 from 30.6 months to 35.3 months, and reinvested $1.0 billion of securities, other than short-term discount notes, at an average yield of 5.11 %. We also continue to benefit from our core deposit base. Noninterest-bearing deposits are a significant part of ourfunding sources, representing approximately 36% of total deposits. In addition, our margin benefited from the changes to our balance sheet mix, as loans grew in volume and as a percentage of earning assets. Loan growth continues to be a key driver of our success. In 2006, average loans increased 14%, and end -of -period loans increased 11 %. We ended the year with a record $3.8 billion in loan balances. In addition to our commercial loan growth, loans in our consumer segment grew, mostly due to Home Equity Lines of Credit and credit cards. Our HELOC business grew by 48%, and the portfolio had an average yield of 7.1 %. I am particularly proud of the loan growth we achieved without compromising our high -quality credit standards. In fact, our credit quality remains strong relative to our prior performance, as well as compared to the industry. While competition is fierce for quality loans, you'll find that we'd much rather put on quality over quantity. We continue to invest in people, infrastructure and technologies to serve you better. Why UMB Growing our fee -based business, which represented approximately 54% of total revenue in 2006, is integral to our continued success. Last year, trust and card services income continued to be a major driver. Our trust fee income benefitted from strong net -flows into our UMB Scout Funds.' Our Credit Card business significantly contributed to fee income growth primarily driven by our commercial credit card program, where cardholder volume increased 24% over the same period last year. We are pleased with our financial performance in 2006, and remained focused on managing our capital effectively. During this past year, we implemented a disciplined combination of investments in organic growth and acquisitions, as well as return of capital to shareholders in the form of share repurchases and dividend payments. During 2006, we repurchased 850,997 shares at an average price of $34.78 for a total cost of $29.6 million. We also increased the quarterly dividend by 4% in April, thefourth increase in our quarterly dividend since October 2003, for a payout of $22 million or a 37% payout ratio. Finally, making strategic acquisitions has long been a strategy of ours, and in the third quarter we announced the acquisition of Denver -based Mountain States Bank. Mountain States has many similarities to UMB, Including a relationship based commercial focus, high noninterest-bearing deposits, and deep family roots in, and commitment to, the community. Its balance sheet, business model and corporate culture have proven complementary to ours. You've heard me say numerous times that one of our largest opportunities lies in our regional footprint. In 2006, we continued to execute against our market strategies and invest in our retail business. We closed five branches and opened four, which includes the acquisition of Mountain States Bank. Overall, we do not see much change in the number of branches in the near term, and will continue to periodically evaluate branch performance to ensure long-term returns are in line with market opportunities. Nevertheless, as part of implementing our market strategy, we will continue to take advantage of strategic opportunities to grow our franchise as good acquisition candidates arise. Our continued efforts to re -invigorate our retail franchise are showing results, with total deposits growing by 7% and primary retail customers growing by 6% year -over -year. This growth is partly due to the actions we have taken in the last few years such as offering more competitive products. Also contributing to the customer growth were our Grab -a -Great -Rate and HELOC campaigns, as well as the addition of Mountain States Bank customers. The HELOC campaign resulted in almost 1,700 new loan accounts, and net growth in outstanding balances of more than $56 million In 2006. In addition, our deposit campaign helped us gain more than 2,800 customers and more than $240 million in deposits. 213 See inside cover for additional disclosure information. Why UMB When we truly know our customers, we can deliver on our mission to advocate and advise, innovate and surprise. Other signs that the strategies and investments in our franchise are delivering results 415 are the market share gains in several of our markets. In Kansas City in particular, based on the 2006 FDIC deposit reports, UMB was the only institution among the top five to grow deposit share. We believe our core deposit structure positions us uniquely in the marketplace and gives us a competitive advantage. Therefore, in 2007, we must remain focused on gathering core deposits. This is a challenge for everyone in our business. But, we are committed to growing both sides of the balance sheet to ensure sustainable, long-term growth. With this purpose in mind, we continue to execute against our strategies to drive performance and financial results. Everyday, we come to work to deliver the Count on more experience. I truly mean it when I say that UMB is a relationship bank — if you are a customer, thank you. If you're not, try us. I think you'll be pleased at how we get to know you. I'd be honored to have your business. Sincerely, Mariner Kemper Chairman & Chief Executive Officer UMB Financial Corporation March 7, 2007 The UMB Financial Corporation Executive Committee is featured at our Cherry Creek Branch in Denver. (ift 1() [ij[ it Pete Genovese, 0(,c 01,womw Mariner Kemper, Ch.wnol I i�ivJGh?efFXemfbvO Otffcel Mike Hag edorn, Chief �lnwvwil Oflicei Peter deSi Iva, Prcsi� lot Y1 �od i-Jw,1 Opfrtitog Office, If§ f » r ! 10 \> , + �¥ 2:;( »f .y 7 . . y. r . .} 2� Why UMB We are building a culture and company based on sustainable greatness. Dear Shareholders: While we are pleased with our improved 2006 operating results, we will continue to raise the performance bar in 2007. In order to consistently win in the marketplace, we will work relentlessly to make and act on decisions that are in the best interests of both the customer and UMB. In 2006, we continued to execute against our growth and operational strategies. Critical to our success is growing our diverse fee business. For example, as a result of our commitment to maintain our leadership position in healthcare services, we achieved a 234% increase in the number of debit cards in our Health Savings ` Accounts and Flexible Spending Accounts programs. In 2006, we announced 11 new alliances with health care providers, third -party administrators and software companies. We continue to believe that rapid account acquisition is crucial to maintaining market leadership. At the end of the year, I am happy to report we had i more than $64 million in deposits and assets in these accounts. Our Payments & Technology Solutions business is positioned to be at the forefront of the transition for our customers as they move from paper -payment methods to electronic solutions. Finding solutions that meet the customers' need, from paycard, remote deposit capture and other image and electronic -based services, will continue to be essential to our success. Also contributing to our fee business growth were credit card and debit card growth. Cardholder volume increased in commercial and private label by 24% and 17%, respectively. The migration away from checks and currency is accelerating and we recognize the prominence that cards are playing in the marketplace. For that reason, we intend to maintain a sharp focus on this area and look to expand the business, both organically and possibly through acquisitions. Why UMB Also contributing to our fee income growth was our Investment Banking division. In 2006 we had a notable increase in the company's municipal bond underwriting activity. UMB is now ranked as the 17th largest underwriter of bank -qualified municipal bonds, as reported by Thomson Financial in its 2006 U.S. Municipals Review. In 2006, we made significant progress toward our goal to strengthen our asset management business, which was also a large contributor to our fee income growth. Total assets under management increased 23%, surpassing $10 billion for the first time since the sale of the Employee Benefits accounts in 2004. Leading this growth was our proprietary family of mutual funds. During 2006, our UMB Scout Funds' benefited from net flows of $898 million, including our equity, bond and money market funds. Additionally, we successfully implemented an integrated wealth management business model. To improve our sales and relationship management capabilities, we integrated our wealth management teams, portfolio management and private banking. After building our private banking team during the first part of the year, we added $28 million in new credit authorities, $23 million in deposits and $11 million in new investment business. We also continued to expand our investment offerings, such as the introduction of our new UMB Managed Architecture and the launch of the UMB Scout Mid Cap Fund'. And finally, we added depth of experience to our management team with the hiring of Clyde Wendel. Wendel joined us from Bank of America, and brings more than 30 years of experience in the commercial and sly asset management businesses. Another area of focus in our business plan, and perhaps the most important for 2007, is our focus on enhancing operating efficiencies. While we recognize we have opportunities for improvement in this area, during 2006 we continued to drive productivity improvements at the corporate and branch levels. In 2006, we've seen improvements in productivity metrics, with average loans per FTE up 13% and average deposits per FTE up 4%. Moreover, our focus and discipline with respect to improving operating efficiency have enabled us to reduce the number of average FTEs by 39 to 3,453 during 2006. This is despite an increase of 57 positions related to the acquisition of Mountain States Bank in the 3rd quarter. Finally, another area of continued focus for us is risk management. During 2006, we implemented a state-of-the-art enterprise -wide risk management platform. This platform and corresponding set of processes provides UMB with a holistic way to assess, quantify, prioritize and track accountability and resolution of risk. We expect it to help us manage our business better by focusing management resources on the areas that represent the greatest risks. In 2007, we will continue to focus on our operating results. But, as you know, any great company that wants to achieve sustainable greatness must consider internal, as well as external factors. We will be relentless in our pursuit. For our company, there are four main areas we need to focus on to achieve sustainable greatness. ' See inside cover for additional disclosure information. Why UMB First, we must leverage our investments in people, technology and process and translate them into services and sales execution. During 2006, we completed several key initiatives in technology, including WebExchange, our payments platform, ClientLink, a customer relationship management system, and an Improved umb.com. We believe these investments will help us not only continue our sales momentum but also create a stronger, more unified customer focus across the company. Through our sales momentum we are making progress on our ultimate goal of delivering the "One UMB" sales and relationship management approach. Finally, without the right people in place, none of this would be possible. We've added talent across our organization and are confident in all of our associates' ability to help us grow our business. Second, we must continue to drive efficiency improvements across the organization. This includes both improved revenue capture and dedicated cost -saving efforts. Third, we need to be focused on gathering core deposits and further enhancing our asset yields. As Mariner mentioned in his letter, core deposits are a highly competitive space for all banks. We are committed to maintaining the competitive advantage of our core funding structure through both our retail franchise and our payments business. We will also continue to improve our asset yields by growing als higher -yielding loans such us credit card, small business and HELOC balances. And finally, we must deliver the unparalleled customer experience. This Is our vision and we will not rest until each associate believes it and each customer receives it. We have made great progress in this area, and the next step In this journey is mobilizing a "One UMB" culture where every associate in our organization consistently delivers the unparalleled customer experience. We believe the customer is at the core of everything we do: our shared mission is to know our customers and anticipate their needs; advocate and advise; innovate and surprise. In our highly commoditized industry, delivering the unparalleled experience is what will set us apart and lead to long-term sustainable growth. All of our progress could not have been made without the commitment and dedication of our valued associates. I would like to thank all of our associates for their hard work and dedication, and shareholders for believing in the vision of the management team. Sincerely, Peter J. deSilva President & Chief Operating Officer UMB Financial Corporation March 7, 2007 No Text No Text Responses to Requirements 21 Issuing Cards Cards shall be Issued upon Service Provider's receipt of a request from Purchasing Card Administrators designated by the City Requests must be generated using an Internet -based application Such application must meet the following criteria 1 The application may be part of the Service Provider's own information technology system or a component of a third -party management system UMB Commercial Card, OMB's online account management tool, allows for Program Administrators to input all necessary data to request a new City of Fort Collins Purchasing Card Personal Small Business Commercial S institutional About UMB Sion out li t. EnterConparefl) Customer Name h Cardholder Name, Or Account # Title First Name M I Last Name Sutrnc Search Customer Information CompanySummary SSNPast 4) C Home Phone Business Phone Create New Account Update Password Address Address Commercial Card Center FOR Commercial View CRY r l State Zip Code - Visa Information Management I Customer Credit Credit I" 0 Account Details Authorization StrateW Cycle Code DepartmentAti —i v 2 Card requests generated using the application must be secure All card requests generated through UMB Commercial Card are secure Certain numeric values assigned to the City's account are required, along with a unique user id and password to access the system Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 7 November 28 2007 No Text SEAB4)ARD A I U 11 A T 1 11 1 k 0ow o al ZU177b&r S Supply at America HOLLAND&HART Pq I I I 11 \ I i I I � -, , DnV Witir, MARSICO I UNDS rn: WASATCF Knowledge., ,x.perience • FIRST NAT NAL BANK*,, L LEAVENWORTH Ka. i FIRST IfAiN PZiR:T:M KANW rolots ario wings. 4 4, -I �4. 41( ... ) w F? i'i .A U n7 Q iti'll QkAO IM Cl 13 n Au rl A k 2--1 0S rl r7ZI f"I It C in CIO U 44 A 4 1 D- io 60 QoA )"A A W Ate„ fiI 4 Ir -1 (7771 71 F�4 Z -, 11 1. on -413 '4 Q -"j A A 05 tE t''LtK A Q Why UMB z; We are 3,510 people working for one person... you. The mission of everyone at UMB is to deliver the unparalleled customer experience. A fact demonstrated when Collinsville, IL Banking Center Manager Tammy Come helped a customer reconcile his cell phone bill. What does that have to do with banking? Nothing. But, it has everything to do with the way we deliver on our promise. "l love working at UMB because we are much more than a bank. Listening to my customers, and taking a genuine interest in their needs is what delivering the Count on more experience is all about." says Tammy. (photo left) We believe in the personal touch, right down to the phone answered by a human being. At UMB there's a difference you can hear, as well as feel. t 6117 UMB Financial Corporation vs. UMBFc S&P Bank Index and S&P.500 $197 Why UMB Fiercely independent, and proud of it. In a world of bank consolidations, relationships and a sense of continuity seem to get lost in the mix. We've always run our company for the ages, not the quarter. We're building a company and a culture for the long haul. We believe that by delivering the Count on more experience every day, we can create both customer loyalty and long-term shareholder value. The graph to the left summarizes the cumulative return experienced by UMBF's shareholders over the years 2001 through 2006, compared to the S&P 500 Stock Index and the S&P Bank Index. In all cases, the return assumes a reinvestment of dividends. Balance Sheet Highlights Loans/Deposits Deposit Composition Loan Composition (AVerage) As of December 31, 2006 As of December 31, 2006 61 65% 9.g% 5.1 56 %� 21.7 w�, 21.0% 49 20 0 22%� ■r arnpin u I .. �.., N l F t i eo l I"I M link I In.i 11 Ij0r 11 11 1U=.po:,its UI r <r i .;o Ju,�oni ■ilereih, rn;r,n,u.. n i o f I I no-D Vo,ih II It,l t. Go 03 04 05 06 Net Interest Margin Risk -Based Nonperforming Loans Capital Ratios As a °4 of Total Loans 3.384b 3 304b 3.16% 3.109b 03 04 05 06 14.7 % 13.V 9.8'% fl9b 4% 4'0 nri ivi iocii P.III UMH 47% 35% 17 16 I 03 04 05 06 3 The application must be capable of generating records and reports in electronic format which City Administrators can download for administrative purposes These would include records of requests changes to cards cardholder lists and other ad hoc reports UMB can provide reports to City Administrators for tracking card requests, changes to cards, cardholder lists, and other ad hoc reports as needed 22 Cardholder Information Cards will be issued to City and affiliated entities such as Poudre Fire Authority Downtown Development Authority Fort Collins Library District employees and City Council members No personal credit information on cardholders will be maintained by the Service Provider Card requests will contain the following personal information 1 Cardholder Name 2 Account Manager name (if needed for card setup in card management system) 3 Phone Number 4 Other security information as agreed to by the City and Service Provider 5 Business address and contact information will be the same for each card UMB will issue cards to City Employees, as well as employees of affiliated entities and the City Council UMB will not maintain any personal credit information on the cardholders UMB will not issue any cards without the approval of the Purchasing Card Administrator or other individuals whom the Purchasing Card Administrator has designated as authorized to request cards The City will designate a program administrator and backup administrator and the requests should be made or emailed by one of the authorized individual(s) who are allowed to request new accounts New accounts are established and cards mailed out within 5 working days of receipt of the request For rush delivery cards can be mailed within 48 hours The process for requesting current and new accounts can be communicated through UMB Commercial Card or email to UMB from the program administrator The email would need to contain the following information • Cardholder Name • Department • Unique Identifying number, i e SSN or employee ID# -(Last 4 digits) • Statement Address • City/State/Zip • Telephone Number • Authorization Strategy (MCC includes and excludes) • Total Monthly credit Limit • Per Transaction Limit 23 Compatibility with City Accounting System Service Provider shall provide all transaction records in electronic format for re -allocation of expenses by Account Managers When that process is complete the processing system must be able to transmit transaction records directly into Oracle JD Edwards EnterpnseOne 8 11 A file format will be provided Present plans call for an interface to be established between the transaction processing system and the Accounts Payable (AP) module of the City's finance system Please discuss your experience interfacing with JD Edwards EnterpnseOne and describe your interface method Alternatives to transmitting records into AP will be considered All transaction records are available for re allocation in Visa Information Management, as described in section 214 Once a file format is provided UMB's Commercial Card Team and IT Department will work with the City to establish a mutually acceptable procedure for interfacing data into Oracle JD Edwards EnterpriseOne This procedure will be accomplished using the File Extract Tool in Visa Information Source, which allows for Response to Request for Proposal Prepared for City of Fort Collins CO P1090 Purchasing Cards 2007 8 November 28 2007 Why UMB The strength of our balance sheet speaks volumes. Our balance sheet doesn't look like most of our competitors', and we like it that way. Our balance sheet is unique in many ways. We have a high quality and low -risk balance sheet, which gives us plenty of room to grow. Our deposit composition, with more than a third of noninterest-bearing demand deposits, provides us with an enviable source of core deposits. Further contributing to our strong balance sheet is our loan portfolio. Our loan mix has a strong Commercial & Industrial component at 42% of total loans. In addition, we enjoy the benefits of a diverse consumer loan base, including our credit card portfolio. Our low balance sheet leverage, with a relatively low loan -to -deposit ratio, has allowed us to grow loans at a healthy pace. We are proud of achieving solid loan growth without compromising our strong commitment to high - quality lending. Our capital ratios are stronger than the majority of our peers and significantly above regulatory levels. Finally, our strong and unique balance sheet contributed to our earnings growth in 2006 as it played a big role in the margin expansion we experienced. All in all, 2006 was a good year, and that's just the beginning. 20121 Financial Highlights Basic Earnings Per Share 1.40 1.35 1 31 99 03 04 05 06 �ur,an�•1 Assets (Average) 7.58 7.15 6.93 7.09 ' 03 04 05 06 1 B,I '), is of Uolrn , Loans/Earning Assets (Average) 53.0 49.9 45.6% 41.19'a 03 04 05 06 Dividend Payout Ratio III Nonmterest Income Total Assets Under Management" I As a % of Total Revenue` 43.4 %, 37 1 9'0 34.7% 30.4 `% 03 04 05 06 57",, 56'i� 56'Y, 54% 03 04 05 06 -N, I,[, -A ii,r=rns pe.'. rest +rr.r,nu 8.22 7.39 6.68 10.12 03 04 05 06 iROon oon,,rs) i r.. 1 1 1v ...,ut Funds. tram Five -Year Summary (in thousands except per share data) Earnings 00. 2005 2004 2003 2002 Interest income S 369,083$ 271,911 $ 219,454 $ 235,863 $ 294,483 Interest expense151,859 83,521 40,350 42,584 76,452 Net interest Income 217,224 1 188,290 179,104 193,179 218,031 Provision for loan losses 8,734 51775 5,370 12,005 15,738 Noninterest income 254,945 251,873 228,103 245,919 232,206 Noninterest expense 381,417 358,059 350,102 351,106 360,949 Net income 59,767 56,318 42,839 58,879 57,173 Average Balances Assets $ 7,094,319 $ 6,927,929 $ 7,150, 135 $ 7,589.065 Loans, net of unearned interest 3,579,665 3,130,813 2,781,084 2,588,794 2,632,850 Securities 2,797,114 2,918,445 3,033,732 3,556,388 3,897,717 Deposits 5,488,798 5,135,968 4,976,037 5,280,203 5,527,836 Long-term debt 37,570 34.820 17,579 17,384 27,466 Shareholdersequity 843,097 829,412 821,556 808,472 794,202 Average earning assets 6,756641 6,279.269 6,096,955 6,293,486 6,718,079 Year -End Balances Assets $8,917 765 8,247,789 $ 7,805,006 $ 7,749.419 $ 8,035,559 Loans, net of unearned Interest 3,767,565 3,393,404 2,869,224 2.722,292 2,657,532 Securities 3,363,453 3,463,817 3,825,765 3,784,297 4,211,187 Deposits 6,308,9645,920,822 5,388,238 5,636,125 5,846,947 Long-term debt 38,020 38,471 21,051 16,280 26,302 22123 Shareholders' equity 848,875 833.463 819,182 811,923 802,800 Allowance for loan losses 44,926 40,825 42,723 47,494 37.328 Nonperforming loans 6,563 10,050 12,796 10,712 Per Share Data V439 Earnings - basic 1.40 $ 1,31 $ 0.99 $ 1.35 $ 1.30 Earnings -diluted 1.40 1.30 0.99 1.35 1,29 Cash Dividends r 0.46 0.43 0.41 LAO Dividend payout ratio 37.14% 34.73 % 43.43 % 30.37 % 30,77 % Book Value 20.08 $ 1939. $ 18.93 $ 18.72 $ 18.26 Market price High 38.04 34.25 29.45 25.75 25.05 Low 31.80 26.45 23.23 18.13 18.10 Close 36.51 31.96 28.33 23.77 19.13 Ratios Return on average assets r 0.79% 0.62% 0.82% 075% Return on average equity 7.09 6,79 5.21 7.28 7.20 As a % of loans: Allowance for loan losses 1.20 1.21 1.50 1.61 Nonperforming loans r 0.16 0.35 0.47 1 41 0.41 Risk -based capital: Tier 1 13.81 16.14 18,20 19.13 17,98 Total 14.65 15,99 19,20 20.25 18.88 Equity to Assets 910.11 10,50 10.48 9.99 Consolidated Balance Sheets (in thousands except per share data) Assets December 31, rr• 2005 $ 3,373,944 Loans (40,825) Allowance for loan losses r• 3,333,119 Net Loans r 19,460 Loans held for sale Investment securities: 3,323A 98 Available for sale Held to maturity 67, 37 (market value of $44,819 and $67,365, respectively) , Federal Reserve Bank stock and other ) r 15.094 58,488 Trading securities Total investment securities 3,463,817 Federal funds sold and securities purchased under agreements to resell 426,578 Cash and due from banks 599,580 Bank premises and equipment, net 236,038 51,848 Accrued Income 59727 Goodwill on purchased affiliates Other intangibles r 4,078 Other assets : r r 53,544 S 8'247789 Total assets Liabilities Deposits: Noninterest-bearing demand r 922 $ 2,651,537 Interest -bearing demand and savings 2,713 Time deposits under $100,000 r r 249 713249 Time deposits of $100,000 or more r 501,014 Total deposits r r ' • 5,920,522 Federal funds purchased and repurchase agreements 1,360,942 Short-term debt • 35,091 Long-term debt r • r 38,471 Accrued expenses and taxes ,247 39,753 r 19,753 Other liabilities Total liabilities r.:: r 7,414,326 shareholders' Equity Common stock; $1.00 par value; authorized 80,000,000 and 66,000,000 shares respectively; 55,056,730 issued and 42,266,041 and 42,981,122 27,528 outstanding, respectively 108 72894)34Unearned Capital surplus I compensation earnings ,675Retained (21550) , 550) Accumulated other comprehensive loss Treasury stock, 12,790.689 and 12,075,608 (241,394) shares, at cost, respectively Total shareholders' equity 833,463 Total liabilities and shareholdersequity $ 8,247,789 Please refer to 10-K filing for additional information Consolidated Statements of Income (in thousands except per share data) Year Ended December 31 Interest Income r r . 2005 2004 Loans Securities. $ 176,842 $ 136,285 Securities available for sale - Taxable interest 64,784 Securities available for sale - Tax-exempt interest 14,622 57,584 Securities held to maturity - Taxable interest 8798 Securities held to maturity - Tax-exempt Interest r 23 62 5,374 10,125 Total securities income r • r 84,803 76,669 Federal funds and resell agreements Trading securities and other 7,980 4,389 2,286 2.111 Total interest income •• r: 271,911 219,454 Interest Expense Deposits 52,099 27,059 Federal funds and repurchase agreements 29,371 12.163 Short-term debt Long-term debt 418 185 1,733 943 Total Interest expense 83.621 40,350 Net interest Income 188,290 179.104 Provision for loan losses 5.775 5,370 Net Interest Income after provision for loan losses r: • • r 182,515 173,734 Noninterest Income Trust and securities processing Trading and investment banking r 82,430 75,742 2425 Service charges on deposit accounts 17,787 17 389 Insurance fees and commissions 79,420 73,533 Brokerage fees 3,326 3,487 Bankcard fees 5,933 7,731 Gains on sales of assets and deposits, net 33,362 31,435 Gain on sale of employee benefit accounts 9,237 2,185 Gains (losses) on sales of securities available for sale, net 3,600 1 240 Other (225) 141 r 17.003 15,220 Total noninterest income 251,873 228,103 Noninterest Expense Salaries and employee benefits •: Occupancy, net r 190,197 189,876 Equipment 26,468 26.131 Supplies and services • • 44,031 43,422 Marketing and business development : r • 21,808 22,268 Processing fees : 13,309 15,306 Legal and consulting 23,594 21,372 Bankcard 8,577 8,825 Amortization of intangibles 11.608 91 6 Other , r r 740 742 17,737 13,044 Total noninterest expense 358,069 350,102 Income before income taxes Income tax expense r 76,319 51,735 20,001 8,896 Net Income S 56,318 S 42,839 Per Share Data Net income - Basic r $ Net Income - Diluted 1.31 $ 0.99 Weighted average shares outstanding • r 1.30 0,99 •.r 43,109,536 43,337.497 Please refer to 10-K filing for additional information UMB Financial Corporation Management Committee Craig Anderson Terry D'Amore it Royce Hammons David Kling F, Doug Page Mark Peterson { Dan Gomez UP Li Ken KrI Steve Hamilton I ill �:•: Ir , �ini lS... rv+� Heather Miller Dennis Rilinger Jon Robinson Jim Sangster Brad Smith Larry Smith Pat Thompson I a I I Mir mitely we are in the service hus'iness. We are people. se ing people. The quality of our oruzmlzz�Gon has its toundation In the quallty of uur rreople, and our maneaement team F _ exemplitles the standard for how we deliver the unparalleled customer experience.' Gil Trout Clyde Wendel u La. PI nMariner Kemper UMB Board of Directors UMB Financial Corporation Theodore M. Armstrong - Retired Paul D. Bartlett Jr. - Chairman of the Board Bartlett and Company Thomas E. Beal' President Beal Properties, Inc. David R. Bradley Jn• President, Publisher and Editor News -Press and Gazette Company Michael J. Chessert Chairman & CEO Great Plains Energy Peter J. deSilva' Chairman and CEO UMB Bank, na. President and COO UMB Financial Corporation Terrence P. Dunn" President and CEO J.E. Dunn Construction Company Peter J. Genovese - Vice Chairman UMB Financial Corporation CEO, St. Louis Region UMB Bank, n.a. Gregory M. Gravest President and CEO Burns & McDonnell Michael D. Hagedom- Executive Vice President & Chief Financial Officer UMB Financial Corporation Richard Harvey Chairman William H. Harvey Company Alexander C. Kemper Chairman of the Board The Collectors Fund Mariner Kemper' Chairman and CEO UMB Financial Corporation Chairman and CEO UMB Bank Colorado, n.a. R. Crosby Kemper' Chairman Emeritus UMB Financial Corporation Tom J. McDaniel° President Oklahoma City University John H. Mize an, Chairman, President and CEO Blish-Mize Company Robert W. Plaster' Chairman of the Board Evergreen Investments, Inc. Kris A. Robbins - Chairman of the Board, CEO and President Security Benefit Thomas D. Sanderst Consultant to Senior Management MMC Corp. L. Joshua Soslanrrt Vice President Scotland Companies, Inc. Paul Uhlmann III" President The Uhlmann Company Dr. Jon Wefald President Kansas State University J. Lyle Wells Jr. - Consultant Thomas J. Wood III General Partner Wood Family Partnerships UMB Bank, n.a. Don R. Armacost Jr. President and CEO Peterson Manufacturing Company J. Fred Ball Chairman and CEO Ball's Price Chopper and Hen House Markets William E. Clarkson Jr. President Superior Asphalt Company Vice President Clarkson Construction Company Peter J. deSilva' Chairman and CEO UMB Bank, n.a. President and COO UMB Financial Corporation Peter J. Genovese - Vice Chairman UMB Financial Corporation CEO, St, Louis Region UMB Bank, na. Jeffrey B. Hanes President Carter -Waters Corporation Gary E. Hanman President and CEO Dairy Farmers of America, Inc. Marilyn S. Hebenstreit Chairman Linda Hall Library Richard F. Jones President and CEO Fidelity Security Life Insurance Co. Alexander C. Kemper Chairman of the Board The Collectors Fund Mariner Kemper' Chairman and CEO UMB Financial Corporation Chairman and CEO UMB Bank Colorado, n.a. R. Crosby Kemper Chairman Emeritus UMB Financial Corporation Greg S. Maday CEO SpecChem, LLC Patrick J. McCown CEO McCov✓n Gordon Construction Timothy R. Murphy President and CEO Murphy -Hoffman Company H. Tyler Nottberg CEO US Engineering Douglas F Page' Executive Vice President UMB Bank, n.a. Executive Vice President UMB Financial Corporation Gary Phillips President and CEO Associated Wholesale Grocers, Inc. Dave J. Ruf* Retired James A. Sangster President UMB Bank, n.a. Executive Vice President UMB Financial Corporation L. Joshua Sosland Vice President Scotland Companies, Inc H. Stephen Tall President Dewy Corporation William D. Wagner President CST Industries, Inc. E. Jack Webster Jr. Chairman of the Board Petrol Properties, Inc. 26127 Advisory Board Member `Executive Committee -Governance Committee tCompensation Committee •Audit Committee UMB Board of Directors J. Lyle Wells Jr.- Steve Hemline Martha M. Fajen Consultant President of Rocky Mountain Region President J.E. Dunn Construction Company TRISTAR Sporting Arms, Ltd. Clyde F. Wendel President, Asset Management Robert G. Jester Scotty E. Henderson UMB Bank, n.a. Former President and CEO Owner and Manager Vice Chairman Robinson Brick Company Henderson Ranch and Cattle Company UMB Financial Corporation Mariner Kemper Thomas A. Hill Chairman and CEO Chairman, President and CEO UMB Bank Arizona, n.a. UMB Financial Corporation UMB Bank Warsaw.. n.a. Chairman and CEO UMB Bank Colorado, n.a. Shawn Hilty Doran P. Socks Hilty Quarries, Inc. West Central Concrete, LLC President R. Crosby Kemper' UMB Bank Arizona, n.a. Chairman Emeritus UMB Financial Corporation Stanfred L. Billy' Frank Phillips Giltner III Chairman of the Board CFO Steve Lockton Hllty Quarries, Inc. Shamrock Foods Company Executive Vice President F. Kammeyer Lockton Companies Kenneth Brian M. Goodwin Retired Managing Director Shughad Thomson and Kilroy Peter J. Neidecker Managing Member Jerry D. Lumps Mountainside Medical, LLG Retired Scott Harr CFO The Honorable Ray Powers° James A. Miller UMB Bank Arizona, n.a. Former State Senator Director Home Colorado State Senate Reset Funeral Davis Miller Funeral Home Mark Peterson CEO Michael L. Raisch UMB Bank Arizona, n.a. CFO Paul Ross George T Sanders Cc. Retired Richard Trueblood CFO Jon M. Robinson Gil Trout Troon Golf, ELC President Chairman and CEO UMB Bank Colorado, n.a South Central Region UMB Bank, n.a UMB Bank Colorado, n.a. David Taylor President Velcon Filters, Inc. UMB Fund Services, Inc Buck Blessing CEO R. Thayer Tutt Jr. Griffis/Blessing, Inc. President and CIO Peter J. deSilva CEO El Pomar Foundation Chairman and Dwight A. Brinkman UMB Bank, n.a. President and COO President and CEO Ned C. Voth UMB Financial Corporation U.S. Engineering Company President Jordan's Building Center Chairman UMB Fund Services, Inc. David Butler Of Counsel Holland and Hart UMB Bank, Warsaw, n.a. dorn Michael D. eside Executive Vicea President and CFO UMB Financial Corporation Laurence B. Cohen Investor William G. Bunch Peter J. Hammond K.C. Gallagher Owner Bunch Family Farms, LLC Executive Vice President and President and CEO Mid Missouri Autosports.com, Inc. Chief Administrative Officer Gallagher Enterprises, LLC UMB Fund Services John Cook Philip H. Goedert Vice President John Zader Executive Vice President and President Cook Tractor, Inc. Chief Operating Officer Tangents Design Management Darace Eaton UMB Fund Services, Inc. President Eaton Enterprises, Inc. Advisory Board Member "Executive Committee -Governance Committee I Compensation Committee *Audit Committee UMB Board of Directors UMB National Bank of America James A. Sangster President UMB Bank, n.a. Craig L. Anderson Executive Vice President Chairman and CEO UMB Financial Corporation UMB National Bank of America Kenneth L. Stielow Philip Brokenicky President President and CEO Bar S Ranch, Inc. New Horizons RV Corp. John K. Vanier 11 Ross Doyen Vice President Farmer and Cattleman Western Star Aft Resources Inc. Leon L. Dunn William G. Watson Livestock and Grain Producer President UMB National Bank of America Stewart R. Etherington Owner J. Lyle Wells Jr. Etherington and Co. Realtors Consultant UMB Financial Corporation Robert W. Exline Jr. President Lee Young Exline, Inc. President and CEO Salina Vortex Corporation Gregg K. Fischer Community Bank President Hudson Banking Center UMB Financial Services, Inc. UMB National Bank of America Terry D. Harts Troy Bender Community Bank President President Manhattan Banking Center UMB Scout Insurance Services, Inc. UMB National Bank of Arnerica Peter J. deSilva C.N. Hoffman III Chairman and CEO Retired UMB Bank. n.a. Farmer/Rancher President and COO UMB Financial Corporation William C. Hoffman Investor Andrew M. Ellis Executive Vice President Robert K. Larsen National Sales Manager Retired UMB Financial Corporation Patrick W. Michaelis Rick C. Farrell Community Bank President Senior Vice President Topeka Banking Center UMB Financial Services, Inc. UMB Bank, n.a. James D. Rine John A. O'Leary Regional President -Community Banking Community Bank President UMB Bank, ire. Russell Banking Center UMB National Bank of America James A. Sangster President Clark Renfro UMB Bank, n.a. Community Bank President Executive Vice President Salina Banking Center UMB Financial Corporation UMB National Bank of America Gil Trout Richard A. Renfro Chairman and CEO Vice Chairman of the Board South Central Region UMB National Bank of America UMB Bank. n.a. Daryl D. Roney Community Bank President Abilene Banking Center UMB National Bank of America UMB Scout Insurance Services, Inc. Troy Bender President UMB Scout Insurance Services, Inc. Peter J. deSilva Chairman and CEO UMB Bank, n.a, President and COO UMB Financial Corporation James D. Rine Regional President - Community Banking UMB Bank, n.a. James A. Sangster President UMB Bank, n.a. Executive Vice President UMB Financial Corporation Bradley J. Smith Executive Vice President UMB Bank, n.a. Gil Trout Chairman and CEO South Central Region UMB Bank, n.a. 28129 UMB Advisory Boards UMB Advisory Boards Eastern Missouri Division Northeast Region Charles Bindemann President Accu-Thermjins, Guy E. Callison Owner and Manager Swine Assurance Productions, Inc Kenneth A. Carroll Owner Carroll Seed Farms J. Cecil Fisher Farmer, Semi -Refired Robert L. Hawkins Jr Retired G. Harland Johnson Community Bank President UMB Bank, n.a. Howard F. Kizer Jr. Retired Marlin McCormick General Manager Farmers Elevator and Exchange Weldon D. Paris President Pete Paris Chevrolet, Inc. Bob D. Swartz, DDS St. Louis, Missouri - City Terry K. Anderson Retired Theodore M. Armstrong Retired Warner Baxter Executive Vice President and CFO Ameren Corporation Vincent J. Bommarito CEO Tony's Restaurants, Inc Louis G. Chiodini President Chiodini Associates Richard G. Engelsmann Chairman Beltservice Corporation Thomas F. Feldmann President and CEO Lionmark Construction Company Peter J. Genovese Vice Chairman UMB Financial Corporation CEO, St. Louis Region UMB Bank, n.a. Ralph E. Hoffman CEO TSI Graphics, Inc. Roger D. Joseph Vice President, Treasurer and Investor Relations Kellwood Company Todd J. Korte President and CEO The Forte Company Ken E. Kotiza President, St. Louis UMB Bank, n.a. J. Michael Medart President and CEO Medart, Inc. Scott Negwer Negwer Materials, Inc St. Louis, Missouri - County Vincent P. Bommarito Executive Chef Tony's Restaurants, Inc. Clayton Brown President and COO The International Group Amy Cole Buehler Executive Director Animal Protective Association of Missouri Wendy Buehler Executive Director Life Skills Foundation Deanna Daughhetee CEO American Equity Mortgage Michael J. Dreller Controller Xtra Corporation Peter J. Genovese Vice Chairman UMB Financial Corporation CEO, St. Louis Region UMB Bank, n.a. Kent R. Higginbotham President Higginbotham Brothers, Inc. John J. Inkley, Jr. Partner Armstrong Teesdale LLP Patrick T. Kelly President Pat Kelly Equipment Company Gregory W. Kleffner Senior Vice President & Controller Kellwood Company Chris T. Koenemann Executive Vice President Lockton Companies of St. Louis, Inc. Ken E. Kotiza President, St. Louis UMB Bank, n.a. Paul S. Mace, DDS President Paul S. Mace, DDS Bart J. Margiotta President Priority Properties June McAllister -Fowler Vice President Corporate and Public Communications BJC HealthCare Timothy M. March President Mitch Munch Maintenance Management Company Patrick L. Murphy Retired Anthony F. Piazza President RSI Kitchen and Bath Stephen E. Ricci President Ricci Associates, Inc. Robert D. Vieth Executive Vice President UMB Bank, n.a. Charles F. Voelkel II Vice President and Secretary Samoa Plastic Company Michael E. Zilm President St. John's Mercy Hospital Illinois P. Douglas Becherer President Drs. Becherer, Becherer and Associates Ltd. Pamela A. Burnham President Von Alat Operating, L.L.C. Larry Eckert President Bethel -Eckert Enterprises, Inc.