# EDGAR Filing Document

**Accession Number:** 0000101382
**File Stem:** 0000950103-26-005310
**Filing Date:** 2026-4
**Character Count:** 292903
**Document Hash:** 696085b7e82c1ccb576b41c0eee85741
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000950103-26-005310.hdr.sgml**: 20260403

**ACCESSION NUMBER**: 0000950103-26-005310

**CONFORMED SUBMISSION TYPE**: S-8

**PUBLIC DOCUMENT COUNT**: 20

**FILED AS OF DATE**: 20260403

**DATE AS OF CHANGE**: 20260402

**EFFECTIVENESS DATE**: 20260403

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** UMB FINANCIAL CORP
- **CENTRAL INDEX KEY:** 0000101382
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 430903811
- **STATE OF INCORPORATION:** MO
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** S-8
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-294865
- **FILM NUMBER:** 26836124

**BUSINESS ADDRESS:**
- **STREET 1:** 1010 GRAND AVE
- **CITY:** KANSAS CITY
- **STATE:** MO
- **ZIP:** 64106
- **BUSINESS PHONE:** 8168607000

**MAIL ADDRESS:**
- **STREET 1:** 1010 GRAND AVE
- **CITY:** KANSAS CITY
- **STATE:** MO
- **ZIP:** 64106

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** UNITED MISSOURI BANCSHARES INC
- **DATE OF NAME CHANGE:** 19920703

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** MISSOURI BANCSHARES INC
- **DATE OF NAME CHANGE:** 19710915

**As filed with the Securities and Exchange Commission on April 2, 2026**

**Registration No. 333-________**

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM S-8**

**REGISTRATION STATEMENT UNDER**

**THE SECURITIES ACT OF 1933**

**UMB FINANCIAL CORPORATION** 

(Exact Name of Registrant as Specified in its Charter)

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| | |
|:---|:---|
| **Missouri** | **43-0903811** |
| (State or Other Jurisdiction of <br> Incorporation or Organization) | (I.R.S. Employer <br> Identification Number) |

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| |
|:---|
| **1010 Grand Blvd.**<br> **Kansas City, Missouri 64106** |
| (Address of principal executive offices and zip code) |

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**UMB PROFIT SHARING AND 401(k) SAVINGS PLAN**<br> (Full Title of the Plan)<br>

---

| |
|:---|
| **Megan Mercer**<br> **Senior Vice President and Deputy General Counsel**<br> **UMB Financial Corporation**<br> **1010 Grand Blvd.**<br> **Kansas City, Missouri 64106**<br> **(816) 860-7000** |
| (Name and Address for Agent of Service)<br> (Telephone number, including area code, of agent for service) |

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| |
|:---|
| *With a copy to:* |
| **Pedro J. Bermeo, Esq.**<br> **Amanda Gold, Esq.**<br> **Davis Polk & Wardwell LLP**<br> **450 Lexington Avenue**<br> **New York, NY 10017**<br> **(212) 450-4000** |

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**Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company" and "emerging growth company" in Rule 12b-2 of the Exchange Act.**

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Large accelerated filer** ☒ | **Accelerated filer** ☐ |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Non-accelerated filer** ☐ **(Do not check if a smaller reporting company)** | **Smaller reporting company** ☐ |
|  | **Emerging growth company** ☐ |

---

**If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for** ☐ **complying with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of the Securities Act.**

**PART I**

**INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS**

The information specified in Item 1 and Item 2 of Part I of this Registration Statement on Form S-8 (this "Registration Statement") is omitted from this filing in accordance with the provisions of Rule 428 under the Securities Act of 1933, as amended (the "Securities Act"), and the introductory note to Part I of the Registration Statement on Form S-8. The documents containing the information specified in Part I will be delivered to the participants in the UMB Profit Sharing and 401(k) Savings Plan (as amended, the "Plan") covered by this Registration Statement as required by Rule 428(b)(1).

**PART II <br> INFORMATION REQUIRED IN THE REGISTRATION STATEMENT**

**Item 3. INCORPORATION OF DOCUMENTS BY REFERENCE**

UMB Financial Corporation (the "Registrant") and the Plan hereby incorporate by reference into this Registration Statement the following documents filed with the Securities and Exchange Commission (the "Commission"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The Registrant's Annual Report on Form 10-K for the fiscal year ended December 31, 2025 (the "2025 Annual Report"), filed with the Commission on February 26, 2026;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) The Annual Report on Form 11-K in respect of the Plan for the year ended December 31, 2024, filed with the Commission on June 25, 2025;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) The Registrant's Current Reports on Form 8-K, and/or amendments thereto, filed with the Commission on January 27, 2026 and February 10, 2026;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) All other reports filed pursuant to Section 13(a) or 15(d) of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), since the end of the fiscal year covered by the 2025 Annual Report; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) The description of the Registrant's common stock, par value $1.00 per share ("Common Shares"), which is contained in Exhibits 4.1, 4.2 and 4.3 to the Registrant's 2025 Annual Report, including any amendment or report filed for the purpose of updating such description.

In addition, all documents subsequently filed by the Registrant pursuant to Sections 13(a), 13(c), 14 and 15(d) of the Exchange Act, prior to the filing of a post-effective amendment to this Registration Statement which indicates that all securities offered have been sold or which deregisters all securities then remaining unsold, shall be deemed to be incorporated by reference in this Registration Statement and to be a part hereof from the date of the filing of such documents.

Nothing in this Registration Statement shall be deemed to incorporate information furnished but not filed with the Commission pursuant to Item 2.02 or Item 7.01 of Form 8-K.

Any statement contained in a document incorporated or deemed to be incorporated by reference herein shall be deemed to be modified or superseded for purposes of this Registration Statement to the extent that a statement contained herein (or in any other subsequently filed document which also is incorporated or deemed to be incorporated by reference herein), modifies or supersedes such statement. Any such statement so modified or superseded shall not be deemed, except as so modified or superseded, to constitute a part of this Registration Statement.

**Item 4.** **DESCRIPTION OF SECURITIES**

Not applicable.

**Item 5. INTERESTS OF NAMED EXPERTS AND COUNSEL**

Not applicable.

**Item 6.** **INDEMNIFICATION OF DIRECTORS AND OFFICERS** 

Section 351.355 of Missouri Law provides as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. A corporation created under the laws of this state may indemnify any person who was or is a party or is threatened to be made a party to any threatened, pending or completed action, suit, or proceeding, whether civil, criminal, administrative or investigative, other than an action by or in the right of the corporation, by reason of the fact that he or she is or was a director, officer, employee or agent of the corporation, or is or was serving at the request of the corporation as a director, officer, employee or agent of another corporation, partnership, joint venture, trust or other enterprise, against expenses, including attorneys' fees, judgments, fines and amounts paid in settlement actually and reasonably incurred by him in connection with such action, suit, or proceeding if he or she acted in good faith and in a manner he or she reasonably believed to be in or not opposed to the best interests of the corporation, and, with respect to any criminal action or proceeding, had no reasonable cause to believe his or her conduct was unlawful. The termination of any action, suit, or proceeding by judgment, order, settlement, conviction, or upon a plea of nolo contendere or its equivalent, shall not, of itself, create a presumption that the person did not act in good faith and in a manner which he or she reasonably believed to be in or not opposed to the best interests of the corporation, and, with respect to any criminal action or proceeding, had reasonable cause to believe that his or her conduct was unlawful.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. The corporation may indemnify any person who was or is a party or is threatened to be made a party to any threatened, pending or completed action or suit by or in the right of the corporation to procure a judgment in its favor by reason of the fact that he or she is or was a director, officer, employee or agent of the corporation, or is or was serving at the request of the corporation as a director, officer, employee or agent of another corporation, partnership, joint venture, trust or other enterprise against expenses, including attorneys' fees, and amounts paid in settlement actually and reasonably incurred by him in connection with the defense or settlement of the action or suit if he or she acted in good faith and in a manner he or she reasonably believed to be in or not opposed to the best interests of the corporation; except that no indemnification shall be made in respect of any claim, issue or matter as to which such person shall have been adjudged to be liable for negligence or misconduct in the performance of his or her duty to the corporation unless and only to the extent that the court in which the action or suit was brought determines upon application that, despite the adjudication of liability and in view of all the circumstances of the case, the person is fairly and reasonably entitled to indemnity for such expenses which the court shall deem proper.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Except as otherwise provided in the articles of incorporation or the bylaws, to the extent that a director, officer, employee or agent of the corporation has been successful on the merits or otherwise in defense of any action, suit, or proceeding referred to in subsections 1 and 2 of this section, or in defense of any claim, issue or matter therein, he or she shall be indemnified against expenses, including attorneys' fees, actually and reasonably incurred by him in connection with the action, suit, or proceeding.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Any indemnification under subsections 1 and 2 of this section, unless ordered by a court, shall be made by the corporation only as authorized in the specific case upon a determination that indemnification of the director, officer, employee or agent is proper in the circumstances because he or she has met the applicable standard of conduct set forth in this section. The determination shall be made by the board of directors by a majority vote of a quorum consisting of directors who were not parties to the action, suit, or proceeding, or if such a quorum is not obtainable, or even if obtainable a quorum of disinterested directors so directs, by independent legal counsel in a written opinion, or by the shareholders.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Expenses incurred in defending any civil, criminal, administrative, or investigative action, suit or proceeding may be paid by the corporation in advance of the final disposition of the action, suit, or proceeding as authorized by the board of directors in the specific case upon receipt of an undertaking by or on behalf of the director, officer, employee or agent to repay such amount unless it shall ultimately be determined that he or she is entitled to be indemnified by the corporation as authorized in this section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. The indemnification provided by this section shall not be deemed exclusive of any other rights to which those seeking indemnification may be entitled under the articles of incorporation or bylaws or any agreement, vote of shareholders or disinterested directors or otherwise, both as to action in his or her official

capacity and as to action in another capacity while holding such office, and shall continue as to a person who has ceased to be a director, officer, employee or agent and shall inure to the benefit of the heirs, executors and administrators of such a person.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. A corporation created under the laws of this state shall have the power to give any further indemnity, in addition to the indemnity authorized or contemplated under other subsections of this section, including subsection 6, to any person who is or was a director, officer, employee or agent, or to any person who is or was serving at the request of the corporation as a director, officer, employee or agent of another corporation, partnership, joint venture, trust or other enterprise, provided such further indemnity is either (i) authorized, directed, or provided for in the articles of incorporation of the corporation or any duly adopted amendment thereof or (ii) is authorized, directed, or provided for in any bylaw or agreement of the corporation which has been adopted by a vote of the shareholders of the corporation, and provided further that no such indemnity shall indemnify any person from or on account of such person's conduct which was finally adjudged to have been knowingly fraudulent, deliberately dishonest or willful misconduct. Nothing in this subsection shall be deemed to limit the power of the corporation under subsection 6 of this section to enact bylaws or to enter into agreements without shareholder adoption of the same.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. The corporation may purchase and maintain insurance or another arrangement on behalf of any person who is or was a director, officer, employee or agent of the corporation, or is or was serving at the request of the corporation as a director, officer, employee or agent of another corporation, partnership, joint venture, trust or other enterprise against any liability asserted against him or her and incurred by him or her in any such capacity, or arising out of his or her status as such, whether or not the corporation would have the power to indemnify him against such liability under the provisions of this section. Without limiting the power of the corporation to procure or maintain any kind of insurance or other arrangement the corporation may for the benefit of persons indemnified by the corporation create a trust fund, establish any form of self insurance, secure its indemnity obligation by grant of a security interest or other lien on the assets of the corporation, or establish a letter of credit, guaranty, or surety arrangement. The insurance or other arrangement may be procured, maintained, or established within the corporation or with any insurer or other person deemed appropriate by the board of directors regardless of whether all or part of the stock or other securities of the insurer or other person are owned in whole or in part by the corporation. In the absence of fraud the judgment of the board of directors as to the terms and conditions of the insurance or other arrangement and the identity of the insurer or other person participating in an arrangement shall be conclusive and the insurance or arrangement shall not be voidable and shall not subject the directors approving the insurance or arrangement to liability on any ground regardless of whether directors participating in the approval are beneficiaries of the insurance arrangement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Any provision of this chapter to the contrary notwithstanding, the provisions of this section shall apply to all existing and new domestic corporations, including but not limited to banks, trust companies, insurance companies, building and loan associations, savings bank and safe deposit companies, mortgage loan companies, corporations formed for benevolent, religious, scientific or educational purposes and nonprofit corporations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. For the purpose of this section, references to "the corporation" include all constituent corporations absorbed in a consolidation or merger as well as the resulting or surviving corporation so that any person who is or was a director, officer, employee or agent of such a constituent corporation or is or was serving at the request of such constituent corporation as a director, officer, employee or agent of another corporation, partnership, joint venture, trust or other enterprise shall stand in the same position under the provisions of this section with respect to the resulting or surviving corporation as he or she would if he or she had served the resulting or surviving corporation in the same capacity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. For purposes of this section, the term "other enterprise" shall include employee benefit plans; the term "fines" shall include any excise taxes assessed on a person with respect to an employee benefit plan; and the term "serving at the request of the corporation" shall include any service as a director, officer, employee or agent of the corporation which imposes duties on, or involves services by, such director, officer, employee, or agent with respect to an employee benefit plan, its participants, or beneficiaries; and a person who acted in good faith and in a manner he or she reasonably believed to be in the interest of the participants and beneficiaries of an employee benefit plan shall be deemed to have acted in a manner "not opposed to the best interests of the corporation" as referred to in this section.

The UMB bylaws provide that any person who was or is a party or is threatened to be made a defendant party to any threatened, pending, or completed action, suit, or proceeding, whether civil, criminal, administrative, or investigative (other than an action, suit, or proceeding by or in the right of UMB, a "general action") by reason of the fact that they are or were a director or officer of UMB or any of its subsidiaries (a subsidiary being defined as another corporation or other entity included in a controlled group of corporations or other entities of which UMB is a common parent), or is or was serving at the request of UMB as a director or officer of another corporation, partnership, joint venture, trust, or other enterprise (including service in a fiduciary capacity or otherwise with respect to any employee benefit plan of UMB or any other corporation or other entity) (each such director or officer, an "executive") will, to the maximum extent permitted by applicable law, be indemnified against expenses (including attorneys' fees), judgments, fines, and amounts (collectively, "expenses") paid in settlement actually and reasonably incurred by them in defense of such general action, if they (i) acted in good faith and in a manner they reasonably believed to be in or not opposed to the best interests of UMB or the participants or beneficiaries of any employee benefit plan and (ii) with respect to any criminal general action, had no reasonable cause to believe their conduct was unlawful.

The UMB bylaws further provide that any person who was or is a party or is threatened to be made a party to any threatened, pending, or completed action, suit, or proceeding by or in the right of UMB to procure a judgment in its favor (each such an action, suit or proceeding, a "corporate action," and together with a general action, an "action") by reason of the fact that they were or are an executive shall, to the maximum extent permitted by applicable law, be indemnified against expenses paid in settlement actually and reasonably incurred by them in connection with the defense or settlement of the corporate action, if they acted in good faith and in a manner they reasonably believed to be in or not opposed to the best interests of UMB.

The UMB bylaws further provide that, notwithstanding the above, no indemnification shall be made in respect of any matter in which any person has been adjudged to be liable for negligence or misconduct in the performance of their duty to UMB unless and only to the extent that a court determines that, despite the adjudication of liability and in view of all the circumstances of the case, the person is fairly and reasonably entitled to indemnity for such expenses which the court deems proper.

The UMB bylaws further provide that any person who has been successful on the merits or otherwise in defense of any action referred to above, or in defense of any claim, issue, or matter therein, shall be indemnified against expenses actually and reasonably incurred by them in connection therewith.

The UMB bylaws further provide that, except as provided in the immediately following paragraph, indemnification of anyone as discussed above, unless ordered by a court of competent jurisdiction, shall only be made by UMB in each case upon a determination that it is proper because the person has met the applicable standard of conduct. Such a determination may be made by the UMB board of directors, or a committee of the UMB board of directors composed solely of non-employee directors, and as otherwise permitted by applicable law.

The UMB bylaws further provide that, unless required by applicable law, no person shall be indemnified against any expenses incurred (i) to the extent prohibited by applicable law, or to the extent an indemnification otherwise constitutes a "prohibited indemnification payment" (as such term is defined under the Federal Deposit Insurance Act and regulations thereunder), except as specifically permitted by the Federal Deposit Insurance Act and regulations, (ii) unless the person notifies UMB in writing of the action promptly on becoming aware and, before incurring expense of any kind in connection with the action, gives UMB or its insurer the opportunity to provide an independent attorney to represent them in connection with the action, (iii) in connection with any settlement of any action brought or threatened against them unless the UMB board of directors (A) approved the amount of such settlement as (I) reasonable and (II) not affecting UMB's safety and soundness, or (B) could not, by reason of the action, act with complete independence and free of circumscription in relation to the action or (iv) in connection with any (A) claim made against them for an accounting of profits made from the purchase or sale by them of securities of UMB within the meaning of Section 16b of the Exchange Act or similar provisions of any applicable law, or (B) action, suit, or proceeding (or part thereof) initiated by such person claiming indemnification unless such action, suit, or proceeding (or part thereof) initiated by such person was authorized by the UMB board of directors.

The UMB bylaws further provide that, to the extent permissible under applicable law, the right to indemnification of executives includes the right to be paid by UMB reasonable expenses (but not including any retainers or prepayments of fees, unless such retainers or prepayments are specifically approved), incurred in defending any such action, in advance of its final disposition, but only (i) upon such executive's delivery to UMB of a written agreement, in which they agree to repay all amounts advanced if it should be ultimately determined by a court or other tribunal or by the UMB board of directors (or its designee) that (A) such person is not entitled to be indemnified, or (B) such person is assessed a civil money penalty by a bank regulatory agency, is removed or prohibited from banking, or is subject to a final order to cease an action or take an affirmative action by a bank regulatory agency and (ii) until such time as a final determination regarding indemnification has been made; provided, that if indemnification is determined to not be proper, any advancement will immediately cease. If indemnification is determined to be proper, advancement of expenses will continue.

If the claim of an executive for indemnification under the provisions of the UMB bylaws described above is not paid in full by UMB within thirty (30) days after a written claim has been received by UMB, the claimant may bring suit against UMB to recover the unpaid amounts, and if successful in whole or in part, the claimant will be entitled to recover the expense of prosecuting such claim. Neither the failure of UMB to have made a determination prior to the commencement of such action that the claimant is entitled to indemnification under the circumstances, nor an actual determination by UMB that the claimant is not entitled to indemnification, will be a defense to the action or create a presumption that the claimant is not entitled to indemnification.

The UMB bylaws provide that UMB may purchase and maintain insurance, or another similar arrangement, on behalf of any person who is or was an executive or employee, against any liability asserted against, or incurred by, them in any such capacity, or arising out of their status as such, whether or not UMB would have the power to indemnify them against such liability under the UMB bylaws or applicable law; provided, however, that such insurance or other arrangement may not provide coverage inconsistent with that permitted by applicable law.

The UMB bylaws further provide that the indemnification provided for executives or employees (i) is not exclusive of any other rights to which those executives or employees may be entitled to under the UMB articles of incorporation, UMB bylaws, or any agreement, vote of shareholders or disinterested directors, or otherwise, both as to actions in their official capacity and as to actions in another capacity while holding such office and (ii) will continue as to any person who has ceased to be an executive or employee and will inure to the benefit of their heirs, executors, and administrators.

The UMB bylaws further provide that the right of any executive to be indemnified, reimbursed, or advanced amounts pursuant to the UMB bylaws (i) is a contract right, enforceable by the executive as if the applicable provisions of the UMB bylaws were set forth in a separate written contract between UMB and the executive, (ii) is intended to be retroactive and (iii) will continue to exist after the rescission or restrictive modification of the UMB bylaws with respect to prior events.

**Item 7.** **EXEMPTION FROM REGISTRATION CLAIMED**

Not applicable.

**Item 8. EXHIBITS**

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| | |
|:---|:---|
| **Exhibit Number** |  |
| 4.1 | [Restated Articles of Incorporation (incorporated by reference to Exhibit 3.1 to the Company's Quarterly Report on Form 10-Q for the quarter ended March 31, 2006 and filed with the Commission on May 9, 2006](https://www.sec.gov/Archives/edgar/data/101382/000119312506104922/dex31.htm)) |
| 4.2 | [Amendment of Articles of Incorporation, dated as of January 31, 2025 (incorporated by reference to Exhibit 3.1 of the Company's Current Report on Form 8-K dated January 31, 2025 and filed with the Commission on February 3, 2025)](https://www.sec.gov/Archives/edgar/data/101382/000119312525018885/d827883dex31.htm) |
| 4.3 | [Bylaws, amended as of April 13, 2023 (incorporated by reference to Exhibit 3.1 of the Company's Current Report on Form 8-K dated April 13, 2023 and filed with the Commission on April 13, 2023)](https://www.sec.gov/Archives/edgar/data/101382/000119312523100715/d497145dex301.htm) |
| 4.4 | [UMB Profit Sharing and 401(k) Savings Plan (filed herewith)](dp244742_ex0404.htm) |
| 4.5 | [First Amendment to the UMB Profit Sharing and 401(k) Savings Plan effective October 20, 2022 (filed herewith)](dp244742_ex0405.htm) |
| 4.6 | [Second Amendment to the UMB Profit Sharing and 401(k) Savings Plan effective January 1, 2023 (filed herewith)](dp244742_ex0406.htm) |
| 4.7 | [Third Amendment to the UMB Profit Sharing and 401(k) Savings Plan effective April 2, 2026 (filed herewith)](dp244742_ex0407.htm) |
| 5.1 | [Internal Revenue Service Opinion Letter dated June 30, 2020 (filed herewith)](dp244742_ex0501.htm) |
| 23.1 | [Consent of KPMG LLP (filed herewith)](dp244742_ex2301.htm) |
| 24.1 | [Power of Attorney of the Registrant (included on the signature pages of this Registration Statement)](#a_001) |
| 107.1 | [Filing Fee Table (filed herewith)](dp244742_exfilingfees.htm) |

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**Item 9. UNDERTAKINGS**

The undersigned Registrant hereby undertakes:

&nbsp;&nbsp;&nbsp;&nbsp;(1) To file, during any period in which offers or sales are being made, a post-effective amendment to this Registration Statement:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) to include any prospectus required by Section 10(a)(3) of the Securities Act;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) to reflect in the prospectus any facts or events arising after the effective date of the Registration Statement (or the most recent post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the Registration Statement; notwithstanding the foregoing, any increase or decrease in volume of securities offered (if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the form of prospectus filed with the Commission pursuant to Rule 424(b) if, in the aggregate, the changes in volume and price represent no more than a 20% change in the maximum aggregate offering price set forth in the "Calculation of Registration Fee" table in the effective registration statement; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) to include any material information with respect to the plan of distribution not previously disclosed in the Registration Statement or any material change to such information in the Registration Statement.

&nbsp;&nbsp;&nbsp;&nbsp;(2) That, for the purpose of determining any liability under the Securities Act, each such post-effective amendment shall be deemed to
be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be
deemed to be the initial bona fide offering thereof.

&nbsp;&nbsp;&nbsp;&nbsp;(3) To remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the
termination of the offering.

&nbsp;&nbsp;&nbsp;&nbsp;(4) That, for purposes of determining liability under the Securities Act to any purchaser, each prospectus filed pursuant to Rule 424(b)
as part of a registration statement relating to an offering, other than registration statements relying on Rule 430B or other than prospectuses
filed in reliance on Rule 430A, shall be deemed to be part of and included in the registration statement as of the date it is first used
after effectiveness; provided, however, that no statement made in a registration statement or prospectus that is part of the registration
statement or made in a document incorporated or deemed incorporated by reference into the registration statement or prospectus that is
part of the registration statement will, as to a purchaser with a time of contract of sale prior to such first use, supersede or modify
any statement that was made in the registration statement or prospectus that was part of the registration statement or made in any such
document immediately prior to such date of first use.

&nbsp;&nbsp;&nbsp;&nbsp;(5) That, for the purpose of determining liability of the Registrant under the Securities Act to any purchaser in the initial distribution
of securities, in a primary offering of securities of the undersigned Registrant pursuant to this registration statement, regardless of
the underwriting method used to sell the securities to the purchaser, if the securities are offered or sold to such purchaser by means
of any of the following communications, the undersigned Registrant will be a seller to the purchaser and will be considered to offer or
sell such securities to such purchaser: (i) any preliminary prospectus or prospectus of the undersigned Registrant relating to the offering
required to be filed pursuant to Rule 424; (ii) any free writing prospectus relating to the offering prepared by or on behalf of the undersigned
Registrant or used or referred to by the undersigned Registrant; (iii) the portion of any other free writing prospectus relating to the
offering containing material information about the undersigned Registrant or its securities provided by or on behalf of the undersigned
Registrant; and (iv) any other communication that is an offer in the offering made by the undersigned Registrant to the purchaser.

&nbsp;&nbsp;&nbsp;&nbsp;(6) That, for purposes of determining any liability under the Securities Act, each filing of the Registrant's annual report pursuant
to Section 13(a) or Section 15(d) of the Securities Exchange Act of 1934 (and, where applicable, each filing of an employee benefit plan's
annual report pursuant to Section 15(d) of the Securities Exchange Act of 1934) that is incorporated by reference in this registration
statement shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities
at that time shall be deemed to be the initial bona fide offering thereof.

&nbsp;&nbsp;&nbsp;&nbsp;(7) That prior to any public reoffering of the securities registered hereunder through use of a prospectus which is a part of this registration
statement, by any person or party who is deemed to be an underwriter within the meaning of Rule 145(c), the issuer undertakes that such
reoffering prospectus will contain the information called for by the applicable registration form with respect to reofferings by persons
who may be deemed underwriters, in addition to the information called for by the other items of the applicable form.

&nbsp;&nbsp;&nbsp;&nbsp;(8) That every prospectus (i) that is filed pursuant to paragraph (7) immediately preceding, or (ii) that purports to meet the requirements
of Section 10(a)(3) of the Securities Act and is used in connection with an offering of securities subject to Rule 415, will be filed
as part of an amendment to the registration statement and will not be used until such amendment is effective, and that, for purposes of
determining any liability under the Securities Act, each such post-effective amendment shall be deemed to be a new registration statement
relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide
offering thereof.

&nbsp;&nbsp;&nbsp;&nbsp;(9) To respond to requests for information that is incorporated by reference into this prospectus pursuant to Items 4, 10(b), 11, or 13
of this form, within one (1) business day of receipt of such request, and to send the incorporated documents by first class mail or other
equally prompt means; this includes information contained in documents filed subsequent to the effective date of this registration statement
through the date of responding to the request.

&nbsp;&nbsp;&nbsp;&nbsp;(10) To supply by means of a post-effective amendment all information concerning a transaction, and the company being acquired involved
therein, that was not the subject of and included in this registration statement when it became effective.

&nbsp;&nbsp;&nbsp;&nbsp;(11) Insofar as indemnification for liabilities under the Securities Act may be permitted to directors, officers and controlling persons
of the Registrant pursuant to the foregoing provisions, or otherwise,

the Registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Securities Act and is therefore unenforceable. In the event a claim of indemnification against such liabilities (other than the payment by the Registrant of expenses incurred or paid by a director, officer or controlling person of the Registrant in a successful defense of any action, suit or proceeding) is asserted by such director, officer, or controlling person in connection with the securities being registered, the Registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Securities Act and will be governed by the final adjudication of such issue.

**SIGNATURES**

Pursuant to the requirements of the Securities Act, the Registrant certifies that it has reasonable grounds to believe that it meets all of the requirements for filing on Form S-8 and has duly caused this Registration Statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of Kansas City, State of Missouri, on the 2<sup>nd</sup> day of April, 2026.

---

| | | |
|:---|:---|:---|
| **UMB FINANCIAL CORPORATION** | **UMB FINANCIAL CORPORATION** | **UMB FINANCIAL CORPORATION** |
| By: | &nbsp;&nbsp;&nbsp;&nbsp;/s/ J. Mariner Kemper | &nbsp;&nbsp;&nbsp;&nbsp;/s/ J. Mariner Kemper |
|  | Name: | J. Mariner Kemper |
|  | Title: | Chairman of the Board,<br> Chief Executive Officer |
| By: | &nbsp;&nbsp;&nbsp;&nbsp;/s/ Ram Shankar | &nbsp;&nbsp;&nbsp;&nbsp;/s/ Ram Shankar |
|  | Name: | Ram Shankar |
|  | Title: | Chief Financial Officer |
| By: | &nbsp;&nbsp;&nbsp;&nbsp;/s/ David Odgers | &nbsp;&nbsp;&nbsp;&nbsp;/s/ David Odgers |
|  | Name: | David Odgers |
|  | Title: | Chief Accounting Officer |

---

**POWER OF ATTORNEY**

We, the undersigned directors and officers of UMB Financial Corporation (the "Company") severally constitute and appoint J. Mariner Kemper and Ram Shankar and each of them with full power of substitution, our true and lawful attorney and agent, to do any and all things and acts in our names in the capacities indicated below which J. Mariner Kemper and Ram Shankar may deem necessary or advisable to enable the Company to comply with the Securities Act, and any rules, regulations and requirements of the Commission, in connection with one or more registration statements on Form S-8, for the purpose of registering 160,000 shares of UMB Financial Corporation's common stock, par value $1.00 per share, to be offered pursuant to the UMB Profit Sharing and 401(k) Savings Plan, and to file the same, with all exhibits thereto and all documents in connection therewith, with the Commission, granting unto said attorney-in-fact and agent, full power and authority to sign for us or any of us in our names in the capacities indicated below the registration statement and any and all amendments (including post-effective amendments) thereto; and we hereby ratify and confirm all that J. Mariner Kemper and Ram Shankar shall do or cause to be done by virtue hereof.

Pursuant to the requirements of the Securities Act, this registration statement has been signed by the following persons in capacities indicated on April 2, 2026.

---

| | |
|:---|:---|
| **Signature** | **Title** |
| /s/ J. Mariner Kemper | Director, Chairman of the Board, Chief Executive Officer<br> (principal executive officer) |
| (J. Mariner Kemper) | Director, Chairman of the Board, Chief Executive Officer<br> (principal executive officer) |
| /s/ Ram Shankar | Chief Financial Officer<br> (principal financial officer) |
| (Ram Shankar) | Chief Financial Officer<br> (principal financial officer) |
| /s/ David Odgers | Chief Accounting Officer<br> (principal accounting officer) |
| (David Odgers) | Chief Accounting Officer<br> (principal accounting officer) |
| /s/ Robin C. Beery | Director |
| (Robin C. Beery) |  |
| /s/ Janine A. Davidson | Director |
| (Janine A. Davidson) |  |
| /s/ Kevin C. Gallagher | Director |
| (Kevin C. Gallagher) |  |
| /s/ Greg M. Graves | Director |
| (Greg M. Graves) |  |
| /s/ Bradley J. Henderson | Director |
| (Bradley J. Henderson) |  |
| /s/ Jennifer K. Hopkins | Director |
| (Jennifer K. Hopkins) |  |
| /s/ Gordon E. Lansford III | Director |
| (Gordon E. Lansford III) |  |

---

---

| | |
|:---|:---|
| /s/ Margaret Lazo | Director |
| (Margaret Lazo) |  |
| /s/ Susan G. Murphy | Director |
| (Susan G. Murphy) |  |
| /s/ Timothy R. Murphy | Director |
| (Timothy R. Murphy) |  |
| /s/ Tamara M. Peterman | Director |
| (Tamara M. Peterman) |  |
| /s/ Kris A. Robbins | Director |
| (Kris A. Robbins) |  |
| /s/ John K. Schmidt | Director |
| (John K. Schmidt) |  |
| /s/ L. Joshua Sosland | Director |
| (L. Joshua Sosland) |  |
| /s/ Leroy J. Williams, Jr. | Director |
| (Leroy J. Williams, Jr.) |  |

---

Pursuant to the requirements of the Securities Act, as amended, the undersigned administrator of the UMB Profit Sharing and 401(k) Savings Plan has duly caused this Registration Statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of Kansas City, State of Missouri, on the 2<sup>nd</sup> day of April, 2026.

---

| | | |
|:---|:---|:---|
| **UMB PROFIT SHARING AND 401(k) SAVINGS PLAN** | **UMB PROFIT SHARING AND 401(k) SAVINGS PLAN** | **UMB PROFIT SHARING AND 401(k) SAVINGS PLAN** |
| By: | /s/ Ram Shankar | /s/ Ram Shankar |
|  | Name: | Ram Shankar |
|  | Title: | Chief Financial Officer |

---

## Exhibit 4.4

**Exhibit 4.4**

**PRE-APPROVED**

**DEFINED CONTRIBUTION PLAN**

**(PROFIT SHARING/401(K) PLAN)**

**A FIDELITY PRE-APPROVED PLAN**

**Adoption Agreement No. 001<br> For use With<br> Fidelity Basic Plan Document No. 17**

*FMR LLC and its affiliates do not provide tax or legal advice. Nothing herein or in any attachments hereto should be construed, or relied upon, as tax or legal advice.*

*IRS CIRCULAR 230 DISCLOSURE: To the extent this document (including attachments), mentions or references any tax matter, it is not intended or written to be used, and cannot be used by the recipient or any other person, for the purpose of (1) avoiding penalties under the Internal Revenue Code or (2) promoting, marketing or recommending to another party the matter addressed herein. Please consult an independent tax advisor for advice on your particular circumstances.*

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| **1.01 PLAN INFORMATION** | **1** |
| **1.02 EMPLOYER** | **3** |
| **1.03 TRUSTEE** | **3** |
| **1.04 COVERAGE** | **3** |
| **1.05 COMPENSATION** | **8** |
| **1.06 TESTING RULES** | **10** |
| **1.07 DEFERRAL CONTRIBUTIONS** | **11** |
| **1.08 EMPLOYEE CONTRIBUTIONS (AFTER-TAX CONTRIBUTIONS)** | **14** |
| **1.09 ROLLOVER CONTRIBUTIONS** | **14** |
| **1.10 QUALIFIED NONELECTIVE EMPLOYER CONTRIBUTIONS** | **15** |
| **1.11 MATCHING EMPLOYER CONTRIBUTIONS** | **16** |
| **1.12 NONELECTIVE EMPLOYER CONTRIBUTIONS** | **22** |
| **1.13 EXCEPTIONS TO CONTINUING ELIGIBILITY REQUIREMENTS** | **27** |
| **1.14 RETIREMENT** | **27** |
| **1.15 DEFINITION OF DISABLED** | **27** |
| **1.16 VESTING** | **28** |
| **1.17 PREDECESSOR EMPLOYER SERVICE** | **29** |
| **1.18 PARTICIPANT LOANS** | **32** |
| **1.19 IN-SERVICE WITHDRAWALS** | **33** |
| **1.20 FORM OF DISTRIBUTIONS** | **35** |
| **1.21 TIMING OF DISTRIBUTIONS** | **36** |
| **1.22 TOP HEAVY STATUS** | **36** |
| **1.23 CORRECTION TO MEET 415 REQUIREMENTS UNDER MULTIPLE DEFINED CONTRIBUTION PLANS** | **37** |
| **1.24 INVESTMENT DIRECTION** | **37** |
| **1.25 ADDITIONAL PROVISIONS AND PROTECTED BENEFITS** | **38** |
| **1.26 SUPERSEDING PROVISIONS** | **38** |
| **1.27 RELIANCE ON OPINION LETTER** | **39** |
| **1.28 ELECTRONIC SIGNATURE AND RECORDS** | **39** |
| **1.29 PRE-APPROVED PLAN PROVIDER'S INFORMATION** | **39** |
| **EXECUTION PAGE** | **40** |
| **PARTICIPATING EMPLOYERS ADDENDUM** | **41** |
| **ELIGIBILITY, SERVICE AND VESTING ADDENDUM** | **42** |
| **COMPENSATION ADDENDUM** | **52** |
| **AUTOMATIC ENROLLMENT ADDENDUM** | **54** |
| **IN-SERVICE WITHDRAWALS ADDENDUM** | **55** |
| **PROTECTED BENEFIT PROVISIONS ADDENDUM** | **56** |
| **FORMS OF PAYMENT ADDENDUM** | **57** |
| **FIDUCIARY ADDENDUM** | **58** |
| **ADDITIONAL PROVISIONS ADDENDUM** | **59** |
| **PLAN SUPERSEDING PROVISIONS ADDENDUM** | **60** |
| **ADDENDUM TO ADOPTION AGREEMENT** | **61** |

---

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

i

**ADOPTION AGREEMENT**

**Article 1**<br> PROFIT SHARING/401(K) PLAN**

**1.01**  **<u>PLAN INFORMATION</u>** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(a)** Name of Plan:

This is the UMB Profit Sharing and 401(k) Savings Plan (the "Plan")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(b)** Type of Plan:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☐ 401(k) Only

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** ☑ 401(k) and Profit Sharing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(3)** ☐ Profit Sharing Only

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(c)** Fiduciary Structure:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** Except to the extent elected otherwise below, the Employer shall be the Administrator in accordance with
Article 19 of the Basic Plan Document and the Investment Fiduciary as defined in Section 2.01(ee).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** ☐ Name of Administrator (if not the Employer): __________

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(B)** ☐ Name of Investment Fiduciary (if not the Administrator): __________

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(C)** ☐ Fiduciary duties shall be allocated as described on the Fiduciary Addendum.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** ☑ See Fiduciary Addendum for other applicable provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(d)**  ***Plan Year End*** (month/day): <u>12/31</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(e)** Three Digit Plan Number: <u>001</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(f)** Limitation Year (check one):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☐ Calendar Year

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** ☑ Plan Year

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(3)** ☐ Other, (12-month period ending on the following date): __________

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(g)** Plan Status:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** Adoption Agreement Effective Date: <u>10/03/2022</u> (cannot be earlier than the later of (i) the first
day of the current Plan Year or (ii) the effective date of the Plan)

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** The Adoption Agreement Effective Date is:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** ☐ A new Plan Effective Date, except to the extent elected below. (Check (i), if applicable.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(i)** ☐ the Plan is an immediate continuation of a portion of a plan spun off from a larger
plan that satisfied ADP and/or ACP testing using a safe harbor formula, such formula will continue without interruption under the Plan,
and the Plan may satisfy ADP/ACP testing under the safe harbor for the first Plan Year of the Plan, unless the Employer makes a subsequent
change. (Check one of the following):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(I)** ☐ The Plan is a spin off from a plan maintained by an entity that was not a Related
Employer of the Employer prior to the Effective Date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(II)** ☐ The Plan is spin off from a plan maintained by an entity that was a Related Employer
of the Employer prior to the Effective Date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(B)** ☑ An amendment Effective Date (check one):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(i)** ☐ an amendment and restatement of this Basic Plan Document No. 17 and its Adoption Agreement
previously executed by the Employer. With the execution of this restatement, the Trust Agreement formerly within Basic Plan Document
No.17 is hereby removed to become a separate, independent Trust Agreement without altering the substance thereof.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(ii)** ☑ a conversion to Basic Plan Document No. 17 and its Adoption Agreement.

The original effective date of the Plan: <u>01/01/1961</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(3)** ☐ Special Effective Dates. Certain provisions of the Plan shall be effective as of a
date other than the date specified in Subsection 1.01(g)(1) above. Please complete the Special Effective Dates Addendum to the Adoption
Agreement indicating the affected provisions and their Effective Dates.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(4)** ☐ Plan Merger Effective Dates. Certain plan(s) were merged into the Plan on or after
the date specified in Subsection 1.01(g)(1) above. Please complete the appropriate subsection(s) of the Plan Mergers Addendum.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(5)** ☐ Frozen Plan. The Plan is currently frozen. While the Plan is frozen, the definition
of Compensation for purposes of determining contributions under Section 5.02 of the Basic Plan Document shall not include compensation
earned after the date the Plan is frozen. Plan assets will continue to be held on behalf of Participants and their Beneficiaries until
distributed in accordance with the Plan terms. (If this provision is

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

selected, it will override any conflicting provision selected in the Adoption Agreement.)(Choose one.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** ☐ Contributions under the Plan are permanently discontinued. Accounts of all Employees
shall be 100% vested without regard to any schedule selected in 1.16.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(B)** ☐ Contributions under the Plan are temporarily suspended. The Employer contemplates
that contributions will resume at a later date.

**Note**: No contributions shall be made to the Plan with respect to Compensation earned after the date the Plan is frozen, nor shall any Rollover Contributions be made; however, loan repayments shall continue to be made until the loan obligation is satisfied. An Employee who is not already a Participant shall not become a Participant while the Plan is frozen.

**1.02**  **<u>EMPLOYER</u>** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(a)**  ***Employer Name*** : UMB Financial Corporation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** Employer's Tax Identification Number: <u>43-0903811</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** Employer's fiscal year end: <u>12/31</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(b)** The term "Employer" includes the following participating employers (choose one):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☐ No other employers participate in the Plan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** ☑ Certain other employers participate in the Plan. Please complete the Participating
Employers Addendum.

**1.03**  **<u>TRUSTEE</u>** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(a)**  ***Trustee*** : The individual(s) or entity designated as the Trustee under the Trust Agreement.

**1.04**  **<u>COVERAGE</u>** 

All Employees who meet the conditions specified below shall be eligible to participate in the Plan:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(a)** Age Requirement (check one):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☑ no age requirement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** ☐ must have attained age: (not to exceed 21).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(3)** ☐ See Eligibility, Service and Vesting Addendum for differing age requirements for different
groups.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(b)** Eligibility Service Requirement(s) -

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| (1) Deferral Contributions, Employee Contributions, Qualified Nonelective Employer Contributions | (2) Nonelective Employer Contributions (other than Safe Harbor Nonelective Employer Contributions) | (3) Matching Employer Contributions (other than Safe Harbor Matching Employer Contributions) | (4) Safe Harbor Nonelective Employer Contributions | (5) Safe Harbor Matching Employer Contributions |  |
|  |  |  | X | X | N/A – not applicable – Plan does not offer this type of contribution or no Eligibility Service requirement applies |
|  |  |  |  |  | days of Eligibility Service requirement (no minimum Hours of Service). ***(Do not indicate more than 365 days in column (1), (4), or (5) or 730 days in any of the other columns.)*** |
| 1 |  | 1 |  |  | months of Eligibility Service requirement (no minimum Hours of Service). ***(Do not indicate more than 12 months in column (1), (4), or (5) or 24 months in any of the other columns.)*** |
|  |  |  |  |  | ______ (not to exceed 12) months of Eligibility Service (at least ______ (not to exceed an average of 83 1/3 hours per month or 1,000 hours per year) Hours of Service are required during the Eligibility Computation Period). (Regardless of the foregoing, an Employee who completes 1000 Hours of Service during an Eligibility Computation Period satisfies the eligibility service requirement at the close of that computation period.) |
|  | 1 year with 1000 hrs |  |  |  | one year of Eligibility Service requirement (at least ______ (not to exceed 1,000) Hours of Service are required during the Eligibility Computation Period). |
|  |  |  |  |  | two years of Eligibility Service requirement (at least ______ (not to exceed 1,000) Hours of Service are required during the Eligibility Computation Period). (Select only for column (2) or (3).) |

---

**Note**: If the Employer selects an Eligibility Service requirement of more than 365 days or 12 months or selects the two year Eligibility Service requirement, then (1) contributions subject to such Eligibility Service requirement must be 100% vested when made, and (2) if the Plan has selected either Safe Harbor Matching Employer Contributions in Option 1.11(a)(3) or Safe Harbor Formula in Option 1.12(a)(3), then only one year of Eligibility Service (with at least 1000 Hours of Service) may be required for such contributions.

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

**Note**: The Plan shall be disaggregated for testing pursuant to Section 6.09 of the Basic Plan Document if a more stringent eligibility requirement is elected in Subsection 1.04(a) or (b) either (1) with respect to Matching Employer Contributions and Option 1.11(a)(3), 401(k) Safe Harbor Matching Employer Contributions, is selected or (2) with respect to Nonelective Employer Contributions and Option 1.12(a)(3), 401(k) Safe Harbor Formula, is selected, than with respect to Deferral Contributions.

**Note**: If different eligibility requirements are selected for Deferral Contributions than for Employer Contributions and the Plan becomes a "top-heavy plan," the Employer may need to make a minimum Employer Contribution on behalf of non-key Employees who have satisfied the eligibility requirements for Deferral Contributions and are employed on the last day of the Plan Year, but have not satisfied the eligibility requirements for Employer Contributions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☑ See Eligibility, Service and Vesting Addendum for differing eligibility service requirements
for different groups.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** ☐ **Hours of Service Crediting**. Hours of Service will be credited in accordance
with the equivalency selected in the Eligibility, Service and Vesting Addendum rather than in accordance with the equivalency described
in Subsection 2.01(cc) of the Basic Plan Document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(c)** ☑ **Eligibility Computation Period** - The Eligibility Computation Period will be
as selected in the Eligibility, Service and Vesting Addendum rather than the anniversary period described in Subsection 2.01(p) of the
Basic Plan Document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(d)** Eligible Class of Employees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** Generally, the Employees eligible to participate in the Plan are (choose one):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** ☑ all Employees of the Employer.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(B)** ☐ only Employees of the Employer who are covered by (choose one):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(i)** ☐ any collective bargaining agreement with the Employer, provided that the agreement
requires the employees to be included under the Plan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(ii)** ☐ the following collective bargaining agreement(s) with the Employer:<br>
___________________________________

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** ☑ Notwithstanding the selection in Subsection 1.04(d)(1) above, certain Employees of
the Employer are excluded from participation in the Plan:

**Note**: Certain employees (e.g., residents of Puerto Rico) are excluded automatically pursuant to Subsection 2.01(r) of the Basic Plan Document, regardless of the Employer's selection under this Subsection 1.04(d)(2).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** ☐ employees covered by a collective bargaining agreement, unless the agreement requires
the employees to be included

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| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

under the Plan. (Do not choose if Option 1.04(d)(1)(B) is selected above.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(B)** ☐ Highly Compensated Employees as defined in Subsection 2.01(bb) of the Basic Plan Document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(C)** ☐ Leased Employees as defined in Subsection 2.01(ff) of the Basic Plan Document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(D)** ☐ nonresident aliens who do not receive any earned income from the Employer which constitutes
United States source income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(E)** ☐ other:<br>
__________________________________

**Note**: The eligible group defined above must be a definitely determinable group and cannot be subject to the discretion of the Employer. In addition, the design of the classifications cannot be such that the only Non-Highly Compensated Employees benefiting under the Plan are those with the lowest compensation and/or the shortest periods of service and who may represent the minimum number of such employees necessary to satisfy coverage under Code Section 410(b).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(i)** ☐ Notwithstanding the exclusion in Subsection 1.04(d)(2)(E) above, any Employee described
below shall be part of the class of Employees eligible to participate in the Plan (i.e., an Eligible Employee) and enter the Plan on
the Entry Date immediately following the end of the Eligibility Computation Period during which he first satisfies the following requirements:
(I) has attained age 21 and (II) has completed at least 1,000 Hours of Service. This Subsection 1.04(d)(2)(E)(i) applies to the following
Employees  ***(Must choose if an exclusion in (E) above directly or indirectly imposes an age and/or service requirement for participation, for example by excluding part-time, seasonal or temporary employees)*** :<br>
____________________________________

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(F)** ☐ The Plan previously contained a provision allowing employees to irrevocably elect
out of the Plan. Notwithstanding any lack of exclusion provided in the above, all such employees have made that previous irrevocable
election are excluded from participation in the Plan. The Administrator maintains the list of all such exclusions.

**Note**: Exclusion of employees may adversely affect the Plan's satisfaction of the minimum coverage requirements, as provided in Code Section 410(b).

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| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(e)**  ***Entry Dates*** – The Entry Dates shall be as indicated below with respect to the applicable
type(s) of contribution.

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | (1) Deferral Contributions, Employee Contributions, Qualified Nonelective Employer Contributions | (2) Nonelective Employer Contributions (other than Safe Harbor Nonelective Employer Contributions) | (3) Matching Employer Contributions (other than Safe Harbor Matching Employer Contributions) | (4) Safe Harbor Nonelective Employer Contributions | (5) Safe Harbor Matching Employer Contributions | |
| (A) |  |  |  | X | X | N/A – not applicable – Plan does not offer this type of contribution |
| (B) |  |  |  |  |  | immediate upon meeting the eligibility requirements specified in Subsections 1.04(a) and 1.04(b) |
| (C) |  | X |  |  |  | the first day of each Plan Year and the first day of the seventh month of each Plan Year |
| (D) |  |  |  |  |  | the first day of each Plan Year and the first day of the fourth, seventh, and tenth months of each Plan Year |
| (E) | X |  | X |  |  | the first day of each month |
| (F) |  |  |  |  |  | the first day of each Plan Year (Do not select if there is an Eligibility Service requirement of more than six months in Subsection 1.04(b) for the type(s) of contribution or if there is an age requirement of more than 20 1/2 in Subsection 1.04(a) for the type(s) of contribution.) |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☑ See Eligibility, Service and Vesting Addendum for differing
entry dates for different groups.

**Note**: If another plan is merged into the Plan, the Plan may provide on the Plan Mergers Addendum that the Effective Date of the merger is also an Entry Date with respect to certain Employees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(f)**  ***Date of Initial Participation*** - An Eligible Employee shall become a Participant on the Entry
Date coinciding with or immediately following the date such Eligible Employee completes the age and service requirement(s) in Subsections
1.04(a) and (b), if any, or in Subsection 1.04(d)(2)(E)(i), if applicable, except (check one):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☑ No exceptions.

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| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** ☐ Eligible Employees employed on __________ (insert date) shall become Participants
on that date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(3)** ☐ Eligible Employees who meet the age and service requirement(s) of Subsections 1.04(a)
and (b) on __________ (insert date) shall become Participants on that date.

**1.05**  **<u>COMPENSATION</u>** 

Compensation, as defined in Subsection 2.01(k) of the Basic Plan Document, shall be modified as provided below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(a)**  ***Compensation Base*** - The base for the definition of Compensation described in Section 2.01(k),
prior to making the additional adjustments described in subsections (b) and (c) below, shall be as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☐ A W-2 definition as described in 2.01(k)(1)(A).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** ☐ A Code Section 3401(a) wages definition as described in 2.01(k)(1)(B).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(3)** ☑ A Code Section 415 definition as described in 2.01(k)(1)(C).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(b)**  ***Additional Alterations*** - For all purposes except as noted below (and as found in Sections
6.01 and 15.03 of the Basic Plan Document), Compensation as selected above shall be adjusted by excluding all of the following (or making
the specific adjustments described on the Compensation Addendum if Option (10) is selected):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☐ Reimbursements or other expense allowances, fringe benefits (cash and non-cash), moving
expenses, all deferred compensation, and welfare benefits.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** ☐ Differential Wages (as defined in Section 2.01(k)(2)(B)(i)).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(3)** ☐ Unused leave (as described in Section 2.01(k)(2)(B)(ii)(II)).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(4)** ☐ Overtime pay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(5)** ☐ Bonuses.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(6)** ☐ Commissions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(7)** ☐ The value of restricted stock or of a qualified or a non-qualified stock option granted
to an Employee by the Employer to the extent such value is includable in the Employee's taxable income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(8)** ☐ Severance pay received prior to termination of employment. (Severance pay for this
purpose would be amounts other than those described in Section 2.01(k)(2)(B)(ii) and any such amounts received following severance from
employment would always be excluded.)

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(9)** ☐ Amounts paid to, or on behalf of, the Employee to reduce or offset student loan repayment
obligations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(10)** ☑ The Plan has other alterations to the definition of Compensation which cannot be captured
solely by the above exclusions. All alterations to the definition of Compensation will be found in the Compensation Addendum rather than
this subsection.

**Note**: Generally, if the Employer makes no selections or selects only options (1), (2) and/or (3) above, Compensation will not be required to be tested to show that it meets the requirements of Code Section 414(s) and it will be deemed an acceptable definition of Compensation for 401(k) Safe Harbor Nonelective Employer Contributions. If the Employer selects any of options (4) – (9), then it must be determined that the type of Compensation excluded is irregular or additional based on all the relevant facts and circumstances and must generally meet the following requirements: (1) for Nonelective Employer Contributions other than 401(k) Safe Harbor Nonelective Contributions, the Plan must either pass the requirements under Code Section 414(s) or must pass the general test under regulations issued under Code Section 401(a)(4); (2) for 401(k) Safe Harbor Nonelective Employer Contributions, Compensation must be tested to show that it meets the requirements of Code Section 414(s); (3) for Deferral Contributions and Safe Harbor Matching Employer Contributions, a Participant must be permitted to make Deferral Contributions under the Plan sufficient to receive the full 401(k) Safe Harbor Matching Employer Contribution, determined as a percentage of Compensation meeting the requirements of Code Section 414(s); (4) for Matching Employer Contributions (other than 401(k) Safe Harbor Matching Employer Contributions), Compensation for purposes of applying the limitations on Matching Employer Contributions described in Section 6.10 of the Basic Plan Document (for deemed satisfaction of the "ACP" test) must be tested to show that it meets the requirements of Code Section 414(s). Unless elected otherwise above or in the Compensation Addendum, Compensation will include amounts described in Section 2.01(k)(2)(A) and (B) of the Basic Plan Document and exclude deemed Code Section 125 compensation. If the Plan is determined to be top heavy (in accordance with Option 1.22 and Article 15 of the Basic Plan Document), then contributions made pursuant to Section 15.03 of the Basic Plan Document will be based on Compensation without the above chosen exclusions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(c)**  ***Compensation for the First Year of Participation*** - Contributions for the Plan Year in which
an Employee first becomes a Participant shall be determined based on the Employee's Compensation as provided below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☐  ***Compensation for the entire Plan Year*** . (Complete (A) below, if applicable. If (A) is not selected, the amount of any Nonelective Employer
Contribution for a Plan's initial Plan Year will be determined in accordance with this subsection 1.05(c)(1) using only Compensation
from the original effective date of the Plan through the end of the initial Plan Year.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** ☐ <u>Short Initial Plan Year</u>: For purposes of determining the amount of Nonelective
Employer Contributions, other than 401(k) Safe Harbor Nonelective Employer Contributions, Compensation for the 12-month period ending
on the last day of the initial Plan Year shall be used.

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** ☑ Only Compensation for the portion of the Plan Year in which the Employee is eligible
to participate in the Plan. (Complete (A) below, if applicable. If (A) is not selected, the amount of any Nonelective Employer Contribution
for a Plan's initial Plan Year will be determined in accordance with this subsection 1.05(c)(2) using only Compensation from the
original effective date of the Plan through the end of the initial Plan Year.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** ☐ <u>Short Initial Plan Year</u>: For purposes of determining the amount of Nonelective Employer Contributions, other than 401(k) Safe Harbor Nonelective
Employer Contributions, for those Employees who become Active Participants on the original effective date of the Plan, Compensation for
the 12-month period ending on the last day of the initial Plan Year shall be used. For all other Employees, only Compensation for the
period in which they are eligible shall be used.

**1.06**  **<u>TESTING RULES</u>** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(a)**  ***ADP/ACP Present Testing Method*** - The testing method for purposes of applying the "ADP"
and "ACP" tests described in Sections 6.03 and 6.06 of the Basic Plan Document shall be the (check one):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☑ **Current Year Testing Method** - The "ADP" or "ACP" of Highly Compensated Employees for the Plan Year shall be compared to the "ADP"
or "ACP" of Non-Highly Compensated Employees for the same Plan Year. *(Must choose if Option 1.11(a)(3), 401(k) Safe Harbor Matching Employer Contributions, or Option 1.12(a)(3), 401(k) Safe Harbor Formula, with respect to Nonelective Employer Contributions is checked.)* 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** ☐ Prior Year Testing Method - The "ADP" or "ACP" of Highly Compensated
Employees for the Plan Year shall be compared to the "ADP" or "ACP" of Non-Highly Compensated Employees for the
immediately preceding Plan Year.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(3)** ☐ Not applicable. (Only if Option 1.01(b)(3), Profit Sharing Only, is checked and Option
1.08(a)(1), Future Employee Contributions, and Option 1.11(a), Matching Employer Contributions, are <u>not</u> checked or Option 1.04(d)(2)(B),
excluding all Highly Compensated Employees from the eligible class of Employees, is checked.)

**Note**: Restrictions apply on elections to change testing methods.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(b)**  ***First Year Testing Method*** - If the first Plan Year that the Plan, other than a successor
plan, permits Deferral Contributions or provides for either Employee or Matching Employer Contributions, occurs on or after the Effective
Date specified in Subsection 1.01(g), the "ADP" and/or "ACP" test for such first Plan Year shall be applied using
the actual "ADP" and/or "ACP" of Non-Highly Compensated Employees for such first Plan Year, unless otherwise provided
below.

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| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☐ The "ADP" and/or "ACP" test for the first Plan Year that the
Plan permits Deferral Contributions or provides for either Employee or Matching Employer Contributions shall be applied assuming a 3%
"ADP" and/or "ACP" for Non-Highly Compensated Employees. *(Do not choose unless Plan uses prior year testing method described in Subsection 1.06(a)(2).)* 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(c)**  ***HCE Determinations*** :  ***Look Back Year*** - The look back year for purposes of determining
which Employees are Highly Compensated Employees shall be the 12-consecutive-month period preceding the Plan Year, unless otherwise provided
below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☐ **Calendar Year Determination** - The look back year shall be the calendar year beginning within the preceding Plan Year. (Do not choose if the
Plan Year is the calendar year.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(d)**  ***HCE Determinations*** :  ***Top Paid Group Election*** - All Employees with Compensation
exceeding the dollar amount specified in Code Section 414(q)(1)(B)(i) adjusted pursuant to Code Section 415(d) (e.g., $115,000 for "determination
years" beginning in 2013 and "look-back years" beginning in 2012) shall be considered Highly Compensated Employees,
unless Top Paid Group Election below is checked.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☑ **Top Paid Group Election** - Employees
with Compensation exceeding the dollar amount specified in Code Section 414(q)(1)(B)(i) adjusted pursuant to Code Section 415(d) shall
be considered Highly Compensated Employees only if they are in the top paid group (the top 20% of Employees ranked by Compensation).

**Note**: Plan provisions for Sections 1.06(c) and 1.06(d) must apply consistently to all retirement plans of the Employer for determination years that begin with or within the same calendar year

**1.07**  **<u>DEFERRAL CONTRIBUTIONS</u>** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(a)** ☑  ***Deferral Contributions*** - Participants may elect
to have a portion of their Compensation contributed to the Plan on a before-tax basis pursuant to Code Section 401(k).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** **Regular Contributions** - The Employer shall make a Deferral Contribution in accordance with Section
5.03 of the Basic Plan Document on behalf of each Participant who has an executed salary reduction agreement in effect with the Employer
for the payroll period in question. Such Deferral Contribution shall not exceed the deferral limit below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** The deferral limit is 75% (must be a whole number multiple of one percent) of Compensation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(i)** ☐ The following lower deferral
limit applies to Highly Compensated Employees: ________%

**Note**: If Catch-Up Contributions are selected below, a Participant eligible to make Catch-Up Contributions shall (subject to the statutory limits in Treasury Regulation Section 1.414(v)- 1(b)(1)(i)) in any event be permitted to contribute in excess of the specified deferral limit up to 100% of the Participant's

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

"effectively available Compensation" (as defined in Section 5.03), unless elected otherwise in Option 1.07(a)(4).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(B)** ☐ Instead of specifying a percentage of Compensation, a Participant's salary reduction
agreement may specify a dollar amount to be contributed each payroll period, provided such dollar amount does not exceed the maximum
percentage of Compensation specified in Subsection 5.03(a) or in Subsection 1.07(a)(1)(A), as applicable, and is not less than the minimum
percentage of Compensation specified in Subsection 1.07(a)(1)(E), if applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(C)** A Participant may change, on a prospective basis, his salary reduction agreement (check one):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(i)** ☐ as of the beginning of each payroll period.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(ii)** ☐ as of the first day of each
month.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(iii)** ☐ as of each Entry Date. (Do not select if immediate entry is elected with respect to
Deferral Contributions in Subsection 1.04(e).)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(iv)** ☐ as of the first day of each calendar quarter.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(v)** ☐ as of the first day of each Plan Year.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(vi)** ☑ other. (Specify, but must be at least once per Plan Year)

<u>On the dates and in the manner prescribed by the Plan Administrator</u>

**Note**: Notwithstanding the Employer's election hereunder, if Option 1.11(a)(3), 401(k) Safe Harbor Matching Employer Contributions, or Option 1.12(a)(3), 401(k) Safe Harbor Formula, with respect to Nonelective Employer Contributions is checked, the Plan provides that an Active Participant may change his salary reduction agreement for the Plan Year within a reasonable period (not fewer than 30 days) of receiving the notice described in Section 6.09 of the Basic Plan Document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(D)** A Participant may revoke, on a prospective basis, a salary reduction agreement at any time upon proper
notice to the Administrator, but in such case a new salary reduction agreement may not become effective until the time selected in 1.07(a)(1)(C),
unless one of the below options is selected. (Check one if applicable):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(i)** ☐ the beginning of the next payroll period.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(ii)** ☐ the first day of the next month.

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(iii)** ☐ the next Entry Date. (Do not select if immediate entry is elected with respect
to Deferral Contributions in Subsection 1.04(e).)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(iv)** ☐ as of the first day of each calendar quarter.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(v)** ☐ as of the first day of each Plan Year.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(vi)** ☑ other. (Specify, but must be at least once per Plan Year)

<u>On the dates and in the manner prescribed by the Plan Administrator</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(E)** ☐ The minimum Deferral Contribution is ________% of Compensation.

Note: The ability to make Deferral Contributions is a benefit, right or feature subject to discrimination testing under Code Section 401(a)(4). If a minimum percentage is specified above, it should be reviewed to be sure that under the facts and circumstances of the Plan, Deferral Contributions are effectively available to Employees who are not Highly Compensated Employees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** ☑ **Catch-Up Contributions** - The
following deferral limit applies to Participants eligible to make Catch-Up Contributions: 75% (cannot be less than 75% and must be a
whole number multiple of one percent) of Compensation. The following Participants who have attained or are expected to attain age 50
before the close of the taxable year will be permitted to make Catch-Up Contributions to the Plan, as described in Subsection 5.03(a):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** ☑ All such Participants.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(B)** ☐ All such Participants except those covered by a collective-bargaining agreement under
which retirement benefits were a subject of good faith bargaining unless the bargaining agreement specifically provides for Catch-Up
Contributions to be made on behalf of such Participants.

**Note**: The Employer must not select Option 1.07(a)(2) above unless all applicable plans (as defined in Code Section 414(v)(6)(A), other than any plan that is qualified under Puerto Rican law or that covers only employees who are covered by a collective bargaining agreement under which retirement benefits were a subject of good faith bargaining) maintained by the Employer and by any other employer that is treated as a single employer with the Employer under Code Section 414(b), (c), (m), or (o) also permit Catch-Up Contributions in the same dollar amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(3)** ☑  ***Roth 401(k) Contributions*** .
Participants shall be permitted to irrevocably designate pursuant to Subsection 5.03(b) that a portion or all of the Deferral Contributions
made under this Subsection 1.07(a) are

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|  | **54696-1658740061AA** |

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Roth 401(k) Contributions that are includable in the Participant's gross income at the time deferred.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(4)** ☑  ***Automatic Enrollment Contributions*** .
Unless they affirmatively elect otherwise, certain Eligible Employees will have their Compensation reduced in accordance with the provisions
of Subsection 5.03(c) (an "Automatic Enrollment Contribution"), the Administrator's separate procedures described therein,
and the following, if applicable:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** ☐ A qualified automatic contribution arrangement described in Code Section 401(k)(13)
("QACA") has been adopted. (Select Option 1.11(a)(3) or 1.12(a)(3).) See Automatic Enrollment Addendum.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(B)** ☑ An eligible automatic enrollment arrangement described
in Code Section 414(w) ("EACA") has been adopted. See Automatic Enrollment Addendum.

**1.08**  **<u>EMPLOYEE CONTRIBUTIONS (AFTER-TAX CONTRIBUTIONS)</u>** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(a)** ☐  ***Future Employee Contributions*** - Participants may make voluntary, non-deductible, after-tax Employee Contributions pursuant to Section
5.04 of the Basic Plan Document. The Employee Contribution made on behalf of an Active Participant each payroll period shall not exceed
the contribution limit specified in Subsection 1.08(a)(1) below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** The contribution limit is ______% of Compensation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(b)** ☑  ***Frozen Employee Contributions*** - Participants may not currently make after-tax Employee Contributions to the Plan, but the Employer does maintain frozen Employee Contributions
sub- accounts.

**1.09**  **<u>ROLLOVER CONTRIBUTIONS</u>** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(a)** ☑  ***Rollover Contributions*** - Except as may be indicated below, Eligible Employees who have satisfied the age and Eligibility Service requirements specified in Subsections
1.04(a) and (b) may roll over any eligible rollover distribution as described in Section 5.06 of the Basic Plan Document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☑ **Expanded Rollover Eligibility** – The following Employees and/or Participants are also eligible to make Rollover Contributions to the Plan:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** ☑ Eligible Employees who have not yet satisfied the age and Eligibility Service requirements
specified in Subsections 1.04(a) and (b).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(B)** ☐ Inactive Participants who have not terminated employment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(C)** ☐ All Inactive Participants.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** ☑ The Plan will not accept rollovers of after-tax employee contributions.

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| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(3)** ☐ The Plan will not accept rollovers of designated Roth contributions. (Must be selected
if Roth 401(k) Contributions are not elected in Subsection 1.07(a)(3).)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(b)** ☑  ***In-Plan Roth Rollover Contributions (Choose only if Roth 401(k) Contributions are selected in Option 1.07(a)(3) above)*** – Unless Option 1.09(b)(1) is selected
below and in accordance with Section 5.06 of the Basic Plan Document, any Participant, spousal alternate payee or spousal Beneficiary
may elect to have otherwise distributable portions of his Account, which are not part of an outstanding loan balance pursuant to Article
9 of the Basic Plan Document and are not "designated Roth contributions" under the Plan, be considered "designated
Roth contributions" for purposes of the Plan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☐ Only a Participant who is still employed by the Employer (or a spousal alternate payee
or spousal Beneficiary of such a Participant) may elect to make such an in-plan Roth Rollover.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(c)** ☑  ***In-Plan Roth Conversions*** .
In accordance with Section 5.06 and as may be limited in (2) below, any Participant who is still employed by the Employer may elect to
have any part of the below- listed portions of his Account, which is fully vested, not part of an outstanding loan balance pursuant to
Article 9 of the Basic Plan Document, not currently distributable and not "designated Roth contributions" under the Plan,
be considered "designated Roth contributions" for purposes of the Plan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** The following sub-accounts are available to be converted: Employee Deferral, Employer Merged, ESOP Diversification,
FSA Flex Dollars, Profit Sharing, Employer Match, Transfer from DB QJSA.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** ☑ A Participant may not make an In-Plan Roth Conversion more frequently than:<br>
_____________.

**1.10**  **<u>QUALIFIED NONELECTIVE EMPLOYER CONTRIBUTIONS</u>** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(a)**  ***Qualified Nonelective Employer Contributions*** - The Employer may contribute an amount which
it designates as a Qualified Nonelective Employer Contribution for any permissible purpose, as provided in Section 5.07 of the Basic Plan
Document. If Option 1.07(a) or 1.08(a)(1) is checked, except as provided in Section 5.07 of the Basic Plan Document or as otherwise provided
below, Qualified Nonelective Employer Contributions shall be allocated to all Participants who were eligible to participate in the Plan
at any time during the Plan Year and are Non-Highly Compensated Employees (except as may be modified in the Nonelective Employer Contributions
Addendum with regard to prevailing wage contributions) in the ratio which each such Participant's "testing compensation",
as defined in Subsection 6.01(s) of the Basic Plan Document, for the Plan Year bears to the total of all such Participants' "testing
compensation" for the Plan Year.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☑ Qualified Nonelective Employer Contributions shall be allocated only among such Participants
described above who are designated by the Employer as eligible to receive a Qualified Nonelective Employer Contribution for the Plan
Year. The amount of the Qualified Nonelective Employer Contribution allocated to each such Participant shall be as

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| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

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designated by the Employer, but not in excess of the "regulatory maximum." The "regulatory maximum" means the amount prescribed in Treasury Regulation Section 1.401(k)-2 which is 5% (10% for Qualified Nonelective Contributions made in connection with the Employer's obligation to pay prevailing wages) of the "testing compensation" for such Participant for the Plan Year. The "regulatory maximum" shall apply separately with respect to Qualified Nonelective Contributions to be included in the "ADP" test and Qualified Nonelective Contributions to be included in the "ACP" test. (Cannot be selected if the Employer has elected prior year testing in Subsection 1.06(a)(2).)

**Note**: Each eligible Participant who is a Non-Highly Compensated Employee will be considered his own allocation group. The Employer shall notify the Plan Administrator of the amount allocable to each group.

**1.11**  **<u>MATCHING EMPLOYER CONTRIBUTIONS</u>** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(a)** ☑  ***Matching Employer Contributions*** - The Employer shall make Matching Employer Contributions on behalf of each of its "eligible" Participants as provided in
this Section 1.11. For purposes of this Section 1.11, an "eligible" Participant means any Participant who is an Active Participant
during the Contribution Period and who satisfies the requirements of Subsection 1.11(e) or Section 1.13.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☐ **Non-Discretionary Matching Employer Contributions** - The Employer shall make
a Matching Employer Contribution on behalf of each "eligible" Participant in an amount equal to the following percentage
of the eligible contributions made by the "eligible" Participant during the Contribution Period (complete all that apply):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** ☐ Flat Percentage Match

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(i)** ☐ ______% to all "eligible" Participants.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(ii)** ☐ to certain "eligible" Participants as specified in the Matching Employer
Contributions Addendum.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(B)** ☐ Tiered Match:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(i)** ☐ To all "eligible" Participants.

________% of the first ________% of the "eligible" Participant's Compensation contributed to the Plan,

________% of the next ________% of the "eligible" Participant's Compensation contributed to the Plan,

________% of the next ________% of the "eligible" Participant's Compensation contributed to the Plan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(ii)** ☐ To certain "eligible" Participants as specified in the Matching Employer
Contributions Addendum.

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| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

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**Note**: The group of "eligible" Participants benefiting under each match rate must satisfy the nondiscriminatory coverage requirements of Code Section 410(b) and the group to whom the match rate is effectively available must not substantially favor HCEs.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(C)** ☐ See Matching Employer Contributions Addendum for age and/or service weighted allocation
options or special allocations for collectively bargained Employees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(D)** ☐ Limit on Non-Discretionary Matching Employer Contributions (check the appropriate
box(es)):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(i)** ☐ Contributions in excess of ________% of the "eligible" Participant's
Compensation for the Contribution Period shall not be considered for non-discretionary Matching Employer Contributions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(ii)** ☐ Matching Employer Contributions for each "eligible" Participant for each
Plan Year shall be limited to $________.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** ☐ **Discretionary Matching Employer Contributions** - The Employer may make a discretionary
Matching Employer Contribution on behalf of "eligible" Participants, or a designated group of "eligible" Participants,
in accordance with Section 5.08 of the Basic Plan Document. An "eligible" Participant's allocable share of the discretionary
Matching Employer Contribution shall be a percentage of the eligible contributions made by the "eligible" Participant during
the Contribution Period. The Employer may limit the eligible contributions taken into account under the allocation formula to contributions
up to a specified percentage of Compensation or dollar amount or may provide for Matching Employer Contributions to be made in a different
ratio for eligible contributions above and below a specified percentage of Compensation or dollar amount. The Matching Employer Contribution
is allocated among "eligible" Participants so that each "eligible" Participant receives a rate or amount (which
may be zero) that is identical to the rate or amount received by all other "eligible" Participants (or designated group of
"eligible" Participants, if applicable) as determined by the Employer on or before the due date of the Employer's tax
return for the year of allocation.

**Note**: If the Matching Employer Contribution made in accordance with this Subsection 1.11(a)(2) matches different percentages of contributions for different groups of "eligible" Participants, the group of "eligible" Participants benefiting under each match rate must satisfy the nondiscriminatory coverage requirements of Code Section 410(b) and the group to whom the match rate is effectively available must not substantially favor HCEs. Each group of "eligible" Participants must also be clearly defined in a manner which will not violate the definite predetermined allocation formula requirement Section 1.401-l(b)(l)(ii) of Treasury Regulations. The Employer must notify the Trustee in

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| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

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© 2020 FMR LLC

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writing of the amount of such Matching Employer Contributions being given to each such group.

**Note**: If the Matching Employer Contribution made in accordance with this Subsection 1.11(a)(2) is made to Participants who are receiving 401(k) Safe Harbor Nonelective Employer Contributions or 401(k) Safe Harbor Matching Contributions, in order to satisfy the safe harbor contribution requirement for the "ACP" Test, the dollar amount of the discretionary Matching Employer Contribution made on an "eligible" Participant's behalf for the Plan Year may not exceed 4% of the "eligible" Participant's Compensation for the Plan Year.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(3)** ☐ **401(k) Safe Harbor Matching Employer Contributions** - If the Employer elects one of the safe harbor formula Options in (A), (B), or (C) below
and complies with Sections 6.09 and 6.10 of the Basic Plan Document, the Plan (or portion of the Plan if (D) is selected) or if the Employer
elects more restrictive age, service or Entry Date requirements for Safe Harbor Matching Employer Contributions than for Deferral Contributions)
shall be deemed to satisfy the "ADP" test and, under certain circumstances, the "ACP" test. If the Employer selects
(A) or (B) and does not elect Option 1.11(b), Additional Matching Employer Contributions, Matching Employer Contributions will automatically
meet the safe harbor contribution requirements for deemed satisfaction of the "ACP" test. (Employee Contributions must still
be tested.) 401(k) Safe Harbor Matching Employer Contributions will be made on behalf of all "eligible" Participants, unless
(D) is selected below. *(Choose (A), (B), or (C) below and, if applicable (D))*.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** ☐ 100% of the first 3% of the "eligible" Participant's Compensation
contributed to the Plan and 50% of the next 2% of the "eligible" Participant's Compensation contributed to the Plan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(B)** ☐ 100% of the first 1% of the "eligible" Participant's Compensation
contributed to the Plan and 50% of the next 5% of the "eligible" Participant's Compensation contributed to the Plan.
(Allowable only if Employer has selected 1.07(a)(4)(D) (QACA)).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(C)** ☐ Enhanced Match:

________% of the first ______% of the "eligible" Participant's Compensation contributed to the Plan,

________% of the next ______% of the "eligible" Participant's Compensation contributed to the Plan,

________% of the next ______% of the "eligible" Participant's Compensation contributed to the Plan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(D)** ☐ Allocation of Safe Harbor Matching Employer Contributions will only be made to certain
"eligible" Participants in the

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|  | **54696-1658740061AA** |

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amounts specified on the Matching Employer Contributions Addendum.

**Note**: To satisfy the 401(k) safe harbor contribution requirement for the "ADP" test, the percentages specified above for Matching Employer Contributions may not increase as the percentage of Compensation contributed increases, and the aggregate amount of Matching Employer Contributions at such rates must at least equal the aggregate amount of Matching Employer Contributions which would be made under the percentages described in Subsection (a)(1) of this Addendum.

**Note**: To satisfy the safe harbor contribution requirement for the "ACP" test, the Deferral Contributions and/or Employee Contributions matched cannot exceed 6% of an "eligible" Participant's Compensation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(b)** ☐  ***Additional Matching Employer Contributions*** - The Employer may at Plan Year end make an additional Matching Employer Contribution on behalf
of "eligible" Participants, or a designated group of "eligible" Participants, in accordance with the provisions
of Section 5.08 of the Basic Plan Document describing discretionary Matching Employer Contributions. An "eligible" Participant's
allocable share of the additional Matching Employer Contribution shall be a percentage of the eligible contributions made by the "eligible"
Participant during the Plan Year. The additional Matching Employer Contribution may be limited to match only contributions up to a specified
percentage of Compensation or dollar amount or may provide for the additional Matching Employer Contributions to be made in a different
ratio for eligible contributions above and below a specified percentage of Compensation or dollar amount. The additional Matching Employer
Contribution is allocated among "eligible" Participants so that each "eligible" Participant receives a rate or
amount (which may be zero) that is identical to the rate or amount received by all other "eligible" Participants (or designated
group of "eligible" Participants, if applicable) as determined by the Employer on or before the due date of the Employer's
tax return for the year of allocation.

**Note**: If the additional Matching Employer Contribution made in accordance with this Subsection 1.11(b) matches different percentages of contributions for different groups of "eligible" Participants, the group of "eligible" Participants benefiting under each match rate must satisfy the nondiscriminatory coverage requirements of Code Section 410(b) and the group to whom the match rate is effectively available must not substantially favor HCEs. Each group of "eligible" Participants must also be clearly defined in a manner which will not violate the definite predetermined allocation formula requirement Section 1.401-l(b)(l)(ii) of Treasury Regulations. The Employer must notify the Trustee in writing of the amount of such Matching Employer Contributions being given to each such group.

**Note**: If the Employer elected Option 1.11(a)(3), 401(k) Safe Harbor Matching Employer Contributions, above and wants to be deemed to have satisfied the "ADP" test, the additional Matching Employer Contribution must meet the requirements of Section 6.09 of the Basic Plan Document. In addition to the foregoing requirements, if the Employer elected Option 1.11(a)(3), 401(k) Safe Harbor Matching Employer Contributions, or Option 1.12(a)(3), 401(k) Safe Harbor Formula, with respect to Nonelective Employer Contributions, and wants to be deemed to have satisfied the "ACP" test with respect to Matching Employer

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|  | **54696-1658740061AA** |

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Contributions for the Plan Year, the eligible contributions matched may not exceed the limitations in Section 6.10 of the Basic Plan Document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(c)**  ***Contributions Matched*** - The Employer matches the following contributions (check appropriate
box(es)):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** **Deferral Contributions** - Deferral Contributions made to the Plan are matched at the rate specified
in this Section 1.11. Catch-Up Contributions are not matched unless the Employer elects Option 1.11(c)(1)(A) below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** ☑ Catch-Up Contributions made to the Plan pursuant to Subsection 1.07(a)(4) are matched
at the rates specified in this Section 1.11.

**Note**: Notwithstanding the above, if the Employer elected Option 1.11(a)(3), 401(k) Safe Harbor Matching Employer Contributions, Deferral Contributions shall be matched at the rate specified therein without regard to whether they are Catch-Up Contributions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(d)**  ***Contribution Period for Matching Employer Contributions*** - The Contribution Period for purposes
of calculating the amount of Matching Employer Contributions is:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☐ each calendar month.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** ☑ each Plan Year quarter.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(3)** ☐ each Plan Year.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(4)** ☐ each payroll period.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(5)** ☐ The Employer shall determine the Contribution Period for calculation of any discretionary
Matching Employer Contributions elected pursuant to Option 1.11(a)(2) above at the time that the matching contribution formula is determined.

The Contribution Period for additional Matching Employer Contributions described in Subsection 1.11(b) is the Plan Year.

**Note**: If Option (5) is selected, one of the other options must be selected to apply to any non-discretionary Matching Employer Contributions. If Option (5) is not selected, the Employer may amend at any time to change the option chosen with regard to discretionary Matching Employer Contributions.

**Note**: If Option (1), (2) or (3) is selected above and Matching Employer Contributions are made more frequently than for the Contribution Period selected above, the Employer must calculate the Matching Employer Contribution required with respect to the full Contribution Period, taking into account the "eligible" Participant's contributions and Compensation for the full Contribution Period, and contribute any additional Matching Employer Contributions necessary to "true up" the Matching Employer Contribution so that the full Matching Employer Contribution is made for the Contribution Period.

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| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(e)**  ***Continuing Eligibility Requirement(s)*** - A Participant who is an Active Participant during
a Contribution Period and makes eligible contributions during the Contribution Period shall only be entitled to receive Matching Employer
Contributions under Section 1.11 for that Contribution Period if the Participant satisfies the following requirement(s) (Check the appropriate
box(es). Options (3), (4), (8), (9), and (10) may not be elected in any combination; Option (5) may not be elected with Options (2) through
(4) or Options (8) through (10)):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☑ No requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** ☐ Is employed by the Employer or a Related Employer on the last day of the Contribution
Period.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(3)** ☐ Earns at least 501 Hours of Service during the Plan Year. (Only if the Contribution
Period is the Plan Year.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(4)** ☐ Earns at least ________ (not to exceed 1,000) Hours of Service during the Plan Year.<br> *(Only if the Contribution Period is the Plan Year.)* 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(5)** ☐ Either earns at least 501 Hours of Service during the Plan Year or is employed by
the Employer or a Related Employer on the last day of the Plan Year. (Only if the Contribution Period is the Plan Year.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(6)** ☐ Is not a Highly Compensated Employee for the Plan Year.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(7)** ☐ Is not a partner or a member
of the Employer, if the Employer is a partnership or an entity taxed as a partnership.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(8)** ☐ Is employed by the Employer or a Related Employer on the last day of the Employer's
fiscal year.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(9)** ☐ Is employed by the Employer or a Related Employer on the date the Matching Employer
Contribution allocation is declared.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(10)** ☐ Is employed by the Employer or a Related Employer on the date the Matching Employer
Contribution is made.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(11)** ☐ Special continuing eligibility requirement(s) for additional Matching Employer Contributions
or "true up" Matching Employer Contributions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** ☐ The continuing eligibility requirement(s) for additional Matching Employer Contributions
selected in Option 1.11(b) is/are: ________

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(B)** ☐ The continuing eligibility requirement(s) for "true up" Matching Employer
Contributions described in Section 1.11(d) is/are: ________

*(For each blank above, fill in number of applicable eligibility requirement(s) from above, including the number of Hours of* 

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

*Service if Option (4) has been selected. Options (2) through (5), and (7), through (10) may not be elected with respect to additional Matching Employer Contributions if Option 1.11(a)(3), 401(k) Safe Harbor Matching Employer Contributions, is checked or if Option 1.12(a)(3), 401(k) Safe Harbor Formula, with respect to Nonelective Employer Contributions is checked and the Employer intends to satisfy the Code Section 401(m)(11) safe harbor with respect to Matching Employer Contributions.)*

**Note**: Except when added in conjunction with the addition of a new Matching Employer Contribution, if Option (2) through (5) or (8) through (10) is adopted during a Contribution Period, such Option shall not become effective until the first day of the next Contribution Period. Matching Employer Contributions attributable to the Contribution Period that are allocated to Participant Accounts during the Contribution Period shall not be subject to the eligibility requirements of Option (2) through (5) or (7) through (10). If Option (2) through (5) or (7) through (10) is elected with respect to any Matching Employer Contributions and if Option 1.11(a)(3), 401(k) Safe Harbor Matching Employer Contributions, or Option 1.12(a)(3), 401(k) Safe Harbor Formula, is also elected, the Plan will not be deemed to satisfy the "ACP" test in accordance with Section 6.10 of the Basic Plan Document and will have to pass the "ACP" test each year.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(f)** ☐  ***Qualified Matching Employer Contributions*** - Prior to making any Matching
Employer Contribution hereunder (other than a 401(k) Safe Harbor Matching Employer Contribution), the Employer may designate all or a
portion of such Matching Employer Contribution as a Qualified Matching Employer Contribution that may be used to satisfy the "ADP"
test on Deferral Contributions and excluded in applying the "ACP" test on Employee and Matching Employer Contributions. Unless
the additional eligibility requirement is selected below, Qualified Matching Employer Contributions shall be allocated to all Participants
who were Active Participants during the Contribution Period and who meet the continuing eligibility requirement(s) described in Subsection
1.11(e) above for the type of Matching Employer Contribution being characterized as a Qualified Matching Employer Contribution.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☐ To receive an allocation of Qualified Matching Employer Contributions a Participant
must also be a Non-Highly Compensated Employee for the Plan Year.

**Note**: Qualified Matching Employer Contributions may not be excluded in applying the "ACP" test for a Plan Year if the Employer elected Option 1.11(a)(3), 401(k) Safe Harbor Matching Employer Contributions, or Option 1.12(a)(3), 401(k) Safe Harbor Formula, with respect to Nonelective Employer Contributions, and the "ADP" test is deemed satisfied under Section 6.09 of the Basic Plan Document for such Plan Year.

**1.12**  **<u>NONELECTIVE EMPLOYER CONTRIBUTIONS</u>** 

If (a) or (b) is elected below, the Employer may make Nonelective Employer Contributions on behalf of each of its "eligible" Participants in accordance with the provisions of this Section 1.12. Except as otherwise defined in this Adoption Agreement pertaining to Nonelective Employer Contributions, for purposes of this Section 1.12, an "eligible" Participant means a Participant who is an Active Participant during the Contribution Period and who satisfies the requirements of Subsection 1.12(d) or Section 1.13.

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

**Note**: An Employer may elect both a fixed formula and a discretionary formula. If both are selected, the discretionary formula shall be treated as an additional Nonelective Employer Contribution and allocated separately in accordance with the allocation formula selected by the Employer.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(a)** ☐ Fixed Formula:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☐ **Fixed Percentage Employer Contribution** - For each Contribution Period, the Employer shall contribute for each "eligible" Participant a
percentage of such "eligible" Participant's Compensation equal to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** ☐ ________% (not to exceed 25%) to all "eligible" Participants.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(B)** ☐ To "eligible" employees indicated in the Nonelective Employer Contributions
Addendum.

**Note**: The allocation formula in Option 1.12(a)(1)(A) above generally satisfies a design-based safe harbor pursuant to the regulations under Code Section 401(a)(4).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** ☐ **Fixed Flat Dollar Employer Contribution** - The Employer shall contribute for each "eligible" Participant an amount equal to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** ☐ $________ to all "eligible" Participants. (Complete (i) below).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(i)** The contribution amount is based on an "eligible" Participant's service for the following
period (check one of the following):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(III)** ☐ Each paid hour.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(IV)** ☐ Each Plan Year.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(V)** ☐ Other: ____________________ (must be a period within the Plan Year that does not exceed
one week and is uniform with respect to all "eligible" Participants).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(B)** ☐ To "eligible" employees indicated in the Nonelective Employer Contributions
Addendum.

**Note**: The allocation formula in Option 1.12(a)(2)(A) above generally satisfies a design-based safe harbor pursuant to the regulations under Code Section 401(a)(4).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(3)** ☐ **401(k) Safe Harbor Formula** - If the Employer elects one of the safe harbor formula Options below and complies with Sections 6.09 and 6.10 of
the Basic Plan Document, the Plan (or portion of the Plan if (C) is selected or if the Employer elects more restrictive age, service
or Entry Date requirements for Safe Harbor Nonelective Employer Contributions than for Deferral Contributions) shall be deemed to satisfy
the "ADP" test and, under certain circumstances, the "ACP" test (if the requirements of Section 6.10 of the Basic
Plan Document are met with regard to

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| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

Matching Deferral Contributions). 401(k) Safe Harbor Nonelective Employer Contributions shall be made on behalf of all "eligible" Participants, unless (C) is selected below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** ☐ ________% (must be at least 3% and not to exceed 25%) to all "eligible"
Participants.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(B)** ☐ As indicated on the Nonelective Employer Contributions Addendum as specified for particular
Plan Years.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(C)** ☐ Allocation of Safe Harbor Nonelective Employer Contributions will only be made to
certain "eligible" Participants as specified in the Nonelective Employer Contributions Addendum.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(4)** ☐ Other allocation formula(s) as specified in the Nonelective Employer Contributions
Addendum, (e.g., integrated, group-based, prevailing wage or pursuant to a collective bargaining agreement).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(b)** ☑  ***Discretionary Formula*** - The Employer may decide each Contribution Period
whether to make a discretionary Nonelective Employer Contribution on behalf of "eligible" Participants in accordance with
Section 5.10 of the Basic Plan Document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☑ **Non-Integrated Allocation Formula** - In the ratio that
each "eligible" Participant's Compensation bears to the total Compensation paid to all "eligible" Participants
for the Contribution Period.

**Note**: The allocation formula in Option 1.12(b)(1) above generally satisfies a design-based safe harbor pursuant to the regulations under Code Section 401(a)(4).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** ☐ **Integrated Allocation Formula** - As (1) a percentage of each "eligible" Participant's Compensation plus (2) a percentage of
each "eligible" Participant's Compensation in excess of the "integration level" as defined below. The percentage
of Compensation in excess of the "integration level" shall be equal to the lesser of the percentage of the "eligible"
Participant's Compensation allocated under (1) above or the "permitted disparity limit" as defined below.

**Note**: An Employer that has elected Option 1.12(a)(3), 401(k) Safe Harbor Formula, may not take Nonelective Employer Contributions made to satisfy the 401(k) safe harbor into account in applying the integrated allocation formula described above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** "Integration level" means the Social Security taxable wage base for the Plan Year, unless
the Employer elects a lesser amount in (i) or (ii) below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(i)** ______% (**not to exceed 100%**) of the Social Security taxable wage base for the Plan Year, or

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(ii)** $______ (**not to exceed the Social Security taxable wage base**).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(B)** "Permitted disparity limit" means the percentage provided by the following table:

---

| | |
|:---|:---|
| **The "Integration Level"<br> is ____% of the<br> Taxable Wage Base** | **The "Permitted<br> Disparity<br> Limit" is** |
| 20% or less | 5.7% |
| More than 20%, but not more than 80% | 4.3% |
| More than 80%, but less than 100% | 5.4% |
| 100% | 5.7% |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(C)** The Social Security taxable wage base is the contribution and benefit base in effect under Section 230
of the Social Security Act at the beginning of the Plan Year.

**Note**: The allocation formula in Option 1.12(b)(2) above generally satisfies a design-based safe harbor pursuant to the regulations under Code Section 401(a)(4).

**Note**: An Employer who maintains any other plan that provides for or imputes Social Security Integration (permitted disparity) may not elect Option 1.12(b)(2).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(3)** ☐ Other allocation formula(s) as specified in the Nonelective Employer Contributions
Addendum, (e.g., group-based, conditional points or flat-dollar).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(c)**  ***Contribution Period for Nonelective Employer Contributions*** - The Contribution Period for
purposes of calculating the amount of Nonelective Employer Contributions is the Plan Year, unless the Employer elects another Contribution
Period below. Regardless of any selection made below, the Contribution Period for 401(k) Safe Harbor Nonelective Employer Contributions
under Option 1.12(a)(3) or Nonelective Employer Contributions allocated under an integrated formula selected under Option 1.12(b)(2) or
allocated pursuant to the Prevailing Wage Contribution provided in the Nonelective Employer Contributions Addendum is the Plan Year.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☐ each calendar month.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** ☐ each Plan Year quarter.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(3)** ☐ each payroll period.

**Note**: If Nonelective Employer Contributions are made more frequently than for the Contribution Period selected above, the Employer must calculate the Nonelective Employer Contribution required with respect to the full Contribution Period, taking into

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

account the "eligible" Participant's Compensation for the full Contribution Period, and contribute any additional Nonelective Employer Contributions necessary to "true up" the Nonelective Employer Contribution so that the full Nonelective Employer Contribution is made for the Contribution Period.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(d)**  ***Continuing Eligibility Requirement(s)*** - A Participant shall only be entitled to receive
Nonelective Employer Contributions for a Plan Year under this Section 1.12 if the Participant is an Active Participant during the Plan
Year and satisfies the following requirement(s) (Check the appropriate box(es) – Options (3) and (4) may not be elected together;
Option (5) may not be elected with Options (2) through (4) or Options (8) through (10); Options (2) through (5) and (7) through (10) may
not be elected if the only Nonelective Employer Contribution selected is the fixed formula in Option 1.12(a)(3), 401(k) Safe Harbor Formula,
and will not apply to the 401(k) Safe Harbor Formula if other allocation options have also been selected):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☐ No requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** ☑ Is employed by the Employer or a Related Employer on the last day of the Contribution
Period.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(3)** ☐ Earns at least 501 Hours of Service during the Plan Year. *(Only if the Contribution Period is the Plan Year.)* 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(4)** ☑ Earns at least <u>1000</u> (not to exceed 1,000) Hours of Service during the Plan
Year. *(Only if the Contribution Period is the Plan Year.)* 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(5)** ☐ Either earns at least 501 Hours of Service during the Plan Year or is employed by
the Employer or a Related Employer on the last day of the Plan Year. *(Only if the Contribution Period is the Plan Year.)* 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(6)** ☐ Is not a Highly Compensated Employee for the Plan Year.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(7)** ☐ Is not a partner or a member of the Employer, if the Employer is a partnership or
an entity taxed as a partnership.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(8)** ☐ Is employed by the Employer or a Related Employer on the last day of the Employer's
fiscal year.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(9)** ☐ Is employed by the Employer or a Related Employer on the date the Nonelective Employer
Contribution allocation is declared.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(10)** ☐ Is employed by the Employer or a Related Employer on the date the Nonelective Employer
Contribution is made.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(11)** ☐ Special continuing eligibility requirement(s) for discretionary Nonelective Employer
Contributions. (Only if both Options 1.12(a) and (b) are checked.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** The continuing eligibility requirement(s) for discretionary Nonelective Employer Contributions is/are:
____________ (Fill in number of applicable eligibility requirement(s) from above, including the number of Hours of Service if Option (4)
has been selected.)

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| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

**Note**: Except when added in conjunction with the addition of a new Nonelective Employer Contribution, if Option (2) through (5) or (8) through (10) is adopted during a Contribution Period, such Option shall not become effective until the first day of the next Contribution Period. Nonelective Employer Contributions attributable to the Contribution Period that are allocated to Participant Accounts during the Contribution Period shall not be subject to the eligibility requirements of Option (2) through (5) or (8) through (10).

**1.13**  **<u>EXCEPTIONS TO CONTINUING ELIGIBILITY REQUIREMENTS</u>** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(a)** ☑  ***Death, Disability, and Retirement Exceptions*** - All Participants who become disabled, as defined in Section 1.15, retire, as provided in Subsection 1.14(a), (b),
or (c), or die are excepted from any last day or Hours of Service requirement. For purposes of this Section, any Participant who dies
while performing qualified military service as defined in Code Section 414(u)(5) will be excepted from any last day or Hours of Service
requirement.

**1.14**  **<u>RETIREMENT</u>** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(a)** The Normal Retirement Age under the Plan is (check one):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☑ age 65.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** ☐ age________ (specify between 55 and 64).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(3)** ☐ later of age ________ (not less than 55 or greater than 65) or the ____________ (not
to exceed 5th) anniversary of the Participant's Employment Commencement Date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(b)** ☐ The Early Retirement Age is the date the Participant attains age ________ and completes
________ years of Vesting Service.

**Note**: If this Option is elected, Participants who are employed by the Employer or a Related Employer on the date they reach Early Retirement Age shall be 100% vested in their Accounts under the Plan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(c)** ☑ A Participant who becomes disabled, as defined in Section 1.15, is eligible for disability
retirement.

**Note**: If this Option is elected, Participants who are employed by the Employer or a Related Employer on the date they become disabled shall be 100% vested in their Accounts under the Plan. Pursuant to Section 11.03 of the Basic Plan Document, a Participant is not considered to be disabled until he terminates his employment with the Employer.

**1.15**  **<u>DEFINITION OF DISABLED</u>** 

A Participant is disabled if he/she meets any of the requirements selected below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(a)** ☑ The Participant is eligible for benefits under the Employer's long-term disability
plan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(b)** ☐ The Participant is eligible for Social Security disability benefits.

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| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(c)** ☐ The Participant is determined to be disabled by the Participant's physician.

**1.16**  **<u>VESTING</u>** 

A Participant's vested interest in Matching Employer Contributions and/or Nonelective Employer Contributions, other than those described in Subsection 5.11(a) of the Basic Plan Document, shall be based upon his years of Vesting Service and the schedule selected in Subsection 1.16(c) below, except as provided in the Vesting Schedule Addendum to the Adoption Agreement or as provided in Subsection 1.22(c).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(a)** When years of Vesting Service are determined, the elapsed time method shall be used.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(b)** ☐ Years of Vesting Service shall exclude service prior to the Plan's original
effective date as listed in Subsection 1.01(g)(1) or Subsection 1.01(g)(2), as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(c)** Vesting Schedule(s)

---

| | |
|:---|:---|
| **(1) Nonelective Employer Contributions**<br> (check one):<br> **(A)** ☐ N/A - No Nonelective Employer Contributions<br> **(B)** ☐ 100% Vesting immediately<br> **(C)** ☐ 3 year cliff (see **C** below)<br> **(D)** ☐ 6 year graduated (see **D** below)<br> **(E)** ☑ Other vesting (complete **E1** below) | **(2) Matching Employer Contributions**<br> (check one):<br> **(A)** ☐ N/A – No Matching Employer Contributions<br> **(B)** ☑ 100% Vesting immediately<br> **(C)** ☐ 3 year cliff (see **C** below)<br> **(D)** ☐ 6 year graduated (see **D** below)<br> **(E)** ☐ Other vesting (complete **E2** below) |

---

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| | | | | |
|:---|:---|:---|:---|:---|
| **Years of Vesting Service** | <br> **Applicable Vesting Schedule(s)** | <br> **Applicable Vesting Schedule(s)** | <br> **Applicable Vesting Schedule(s)** | <br> **Applicable Vesting Schedule(s)** |
| | **C** | **D** | **E1** | **E2** |
| 0 | 0% | 0% | 0% | ______% |
| 1 | 0% | 0% | 0% | ______% |
| 2 | 0% | 20% | 50% | ______% |
| 3 | 100% | 40% | 100% | ______% |
| 4 | 100% | 60% | 100% | ______% |
| 5 | 100% | 80% | 100% | ______% |
| 6 or more | 100% | 100% | 100% | 100% |

---

**Note**: A schedule elected under E1 or E2 above must be, at each year, at least as favorable as one of the schedules in C or D above. If the vesting schedule is amended, any such amendment must satisfy the requirements of section 16.04 of the Basic Plan Document.

**Note**: The amendment of the plan to add a Fixed Nonelective Employer Contribution, Discretionary Nonelective Employer Contribution, 401(k) Safe Harbor Nonelective Employer Contribution, Fixed Matching Employer Contribution, Discretionary Matching Employer Contribution, Additional Matching Employer Contribution, or 401(k) Safe Harbor Matching Employer Contribution and an

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

attendant vesting schedule does not constitute an amendment to a vesting schedule under Section 1.16(e) below, unless a contribution source of the same type exists under the Plan on the effective date of such amendment. Any amendment to the vesting schedule of one such contribution source shall not require the amendment of the vesting schedule of any other such contribution source, notwithstanding the fact that one or more Participants may be subject to different vesting schedules for such different contribution sources.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(d)** ☑ A vesting schedule or schedules different from the vesting schedule(s) selected above
applies to certain Participants. See Eligibility, Service and Vesting Addendum to the Adoption Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(e)** If the Plan's vesting schedule is amended and an Active Participant's vested interest, as
calculated by using the amended vesting schedule, is less in any year than the Active Participant's vested interest calculated under
the Plan's vesting schedule immediately prior to the amendment, the amended vesting schedule shall apply only to Employees first
hired on or after the effective date of the change in vesting schedule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(f)** ☑ Other special provisions concerning
Vesting Service or forfeitures apply under the Plan. See Eligibility, Service and Vesting Addendum.

**1.17**  **<u>PREDECESSOR EMPLOYER SERVICE</u>** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(a)** ☑ Section 3.05 of the Basic Plan Document
requires service to be credited for purposes of eligibility under Subsection 1.04(b) and vesting under Subsection 1.16 in certain situations.
Additionally, the Plan shall credit service for such purposes in the following situations):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☑ Service with the following employer(s) (for the employees and time periods described,
if applicable):

<u>Albany State Bank</u>

<u>American National Bank (ANB) Corporate Trust Services Department (but only for those Employees who became Employees of UMB Financial Corporation on March 6, 2010)</u>

<u>Arnold Savings Bank</u>

<u>Bank of Ferguson</u>

<u>Blue Valley Savings and Loan</u>

<u>Brookfield Banking Company</u>

<u>BTC Financial Corporation (but only for those Employees who became Employees of UMB Financial Corporation on July 13, 2019)</u>

<u>Bucklin State Bank</u>

<u>CardPartner, Inc. (but only for those Employees who became Employees of UMB Financial Corporation on April 1, 2010)</u>

<u>Cass County Bank</u>

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| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

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<u>Central National Bank of Carthage</u>

<u>Chapman-Sander Insurance, Inc. (but only for those Employees who became Employees of UMB Financial Corporation on August 1, 2009)</u>

<u>Charter Bancshares, Inc.</u>

<u>Charter National Bank</u>

<u>Citadel Bank (but only for those Employees who became Employees of UMB Financial Corporation on October 31, 2008)</u>

<u>Citizen's Bank</u>

<u>Citizens Bank & Trust Company</u>

<u>City Bank and Trust Company</u>

<u>City Bond and Mortgage Company</u>

<u>City National Bank (Atchison)</u>

<u>Clarksdale Bank</u>

<u>Columbine National Bank</u>

<u>Commerce Bank (but only for those Employees who became Employees of UMB Financial Corporation on March 23, 2020)</u>

<u>Commercial National Bank</u>

<u>Community Bank of Warsaw</u>

<u>Farmers National Bank</u>

<u>First Bank & Trust, N.A.</u>

<u>First City Bank of Springfield</u>

<u>First County Bank</u>

<u>First Data Corporation, LLC (but only for those Employees who became Employees of UMB Financial Corporation on November 1, 2012)</u>

<u>First National Bank of Collinsville</u>

<u>First National Bank of Milan</u>

<u>First Security Bank in Kirkwood</u>

<u>First Sooner Bancshares</u>

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| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

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© 2020 FMR LLC

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<u>First State Bank of Morrisonville</u>

<u>Gillioz Bank and Trust Company</u>

<u>Hickman Mills Bank and Trust Company</u>

<u>Highland Park State Bank & Trust</u>

<u>Highland Park State Bank & Trust</u>

<u>Home Bank of Savannah</u>

<u>J.D. Clark & Co., Inc. (but only for those Employees who became Employees of UMB Financial Corporation on May 7, 2009)</u>

<u>Kemper State Bank</u>

<u>Liberty National Bank</u>

<u>Linn County State Bank</u>

<u>Managed Account Solutions at JP Morgan (named Managed Account Solutions at UMBFS on July 1, 2010) (but only for those Employees who became Employees of UMB Financial Corporation on July 1, 2010)</u>

<u>Manufacturers and Mechanics Bank of Kansas City</u>

<u>Marquette Asset Management, LLC (but only for those Employees who became Employees of UMB Financial Corporation on June 1, 2015)</u>

<u>Marquette Business Credit, LLC (but only for those Employees who became Employees of UMB Financial Corporation on June 1, 2015)</u>

<u>Marquette Transportation Finance, LLC (but only for those Employees who became Employees of UMB Financial Corporation on June 1, 2015)</u>

<u>Mission Farmers Bank in Mound City and Maitland</u>

<u>Monroe City Bank</u>

<u>Mountain States Bank</u>

<u>National Bank of America at Salina</u>

<u>National Bank of the West</u>

<u>North Plaza State Bank Oklahoma Bank</u>

<u>Overland Park State Bank and Trust Company</u>

<u>Paris Savings Bank</u>

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| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

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© 2020 FMR LLC

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<u>Park Bank</u>

<u>PCM LLC (but only for those Employees who became Employees of UMB Financial Corporation on July 31, 2010)</u>

<u>Peoples Savings Bank of Warrensburg</u>

<u>Platte County Bank of Camden Point</u>

<u>Prairie Capital Management LLC (but only for those Employees who became Employees of UMB Financial Corporation on July 31, 2010)</u>

<u>Pulaski Bank (85th & Wornall location)</u>

<u>Reams Asset Management Company (but only for those Employees who became Employees of UMB Financial Corporation on December 1, 2010)</u>

<u>Russell State Bank</u>

<u>Security National Bank of Joplin</u>

<u>Security State Bank (Fort Scott)</u>

<u>Security State Bank (Great Bend and Hudson)</u>

<u>State Street Corporation Saint Louis Corporate Trust Services Department</u>

<u>Sunstone Financial Group, Inc.</u>

<u>Valley Bank</u>

<u>Wornall Bank</u>

<u>ANB Bank (but only for those Employees who became Employees of UMB Financial Corporation on March 26, 2022)</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** ☑ Additional grants of service of a more general nature
(e.g., covering situations such as corporate actions or mergers). See Eligibility, Service and Vesting Addendum.

**1.18**  **<u>PARTICIPANT LOANS</u>** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(a)** ☑ Participant loans are allowed in accordance
with Article 9 of the Basic Plan Document. Except as otherwise provided below, if a Participant has an outstanding loan balance at the
time his employment terminates, the entire outstanding principal and accrued interest shall be due and payable by the end of the cure
period specified in the separate loan procedures. Notwithstanding the foregoing, if a Participant with an outstanding loan balance terminates
employment with the Employer and all Related Employers in conjunction with a transfer of Employees and Employer assets to an entity unrelated
to the Employer,

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|  | **54696-1658740061AA** |

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© 2020 FMR LLC

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such Participant may elect, within 90 days of such termination, to roll over the outstanding loan to an eligible retirement plan, as defined in Section 13.04 of the Basic Plan Document, that accepts such rollovers.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☑ If a Participant with an outstanding loan balance terminates employment with the Employer
and all Related Employers, the outstanding principal and accrued interest on such loan shall not be immediately due and payable as provided
in Section 9.11 of the Basic Plan Document. Instead, such loan shall continue to be payable in accordance with the provisions of the
loan note and Article 9. Notwithstanding the foregoing, if a Participant dies, outstanding loan amounts are immediately due and payable
as provided in Section 9.11.

**1.19**  **<u>IN-SERVICE WITHDRAWALS</u>** 

Participants may make withdrawals prior to termination of employment under the following circumstances:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(a)** ☑  ***Hardship Withdrawals*** - Hardship withdrawals shall be allowed in accordance with Section 10.05 of the Basic Plan Document, subject to a $500 minimum amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** Hardship withdrawals will be permitted from:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** ☑ A Participant's Deferral Contributions sub-account only.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(B)** ☐ The sub-accounts specified in the In-Service Withdrawals Addendum to the Adoption
Agreement.

**Note**: The Administrator may set a limit on the number of hardship withdrawals per year which shall be uniform and non-discriminatory with respect to all Participants.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(b)** ☑  ***Age 59 1/2*** - Participants
shall be entitled to receive a distribution of all or any portion of the following sub-accounts upon attainment of age 59 1/2:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☐ Deferral Contributions sub-account.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** ☑ All vested sub-account balances.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(3)** ☐ The sub-accounts specified in the In-Service Withdrawals Addendum.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(c)** Withdrawal of Employee Contributions, Rollover Contributions and certain other contributions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** Unless otherwise provided below, Employee Contributions may be withdrawn in accordance with Section 10.02
of the Basic Plan Document at any time.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** ☐ Employees may not make withdrawals of Employee Contributions more frequently than:<br>
______________________________________

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|  | **54696-1658740061AA** |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** Unless otherwise provided below, Rollover Contributions may be withdrawn in accordance with Section 10.03
of the Basic Plan Document at any time.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** ☐ Employees may not make withdrawals of Rollover Contributions more frequently than:<br>
______________________________________

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(3)** ☑  ***Active Military Distribution (HEART Act)*** - Certain contributions restricted from distribution only due to Code Section 401(k)(2)(B)(i)(I) may be withdrawn
by Participants performing military service in accordance with Section 10.01 of the Basic Plan Document at any time.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(d)** ☑  ***Qualified Reservist Distribution*** - A Qualified Reservist Distribution
shall be allowed in accordance with Section 10.08 of the Basic Plan Document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(e)** ☐  ***Age 62 Distribution of Money Purchase Benefits*** - A Participant who has attained at least age 62, shall be entitled to receive a distribution
of all or any portion of the vested amounts attributable to benefit amounts accrued as a result of the Participant's participation
in a money purchase pension plan (due to a merger into this Plan of money purchase pension plan assets), if any. (Choose only if Option
1.20(d)(1)(B) is selected.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(f)** ☐  ***Normal Retirement Age Distribution*** – A Participant who continues in employment after reaching Normal Retirement Age shall have
a continuing right to elect to receive distribution of all or any portion of his Account in accordance with the provisions of Articles
12 and 13 of the Basic Plan Document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(g)** ☑  ***Additional In-Service Withdrawal Provisions*** - Benefits are payable as (check the appropriate box(es)):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☐ an in-service withdrawal of vested amounts attributable to Employer Contributions
maintained in a Participant's Account (check (A) and/or (B)):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** ☐ for at least
________ (24 or more) months.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(i)** ☐ Special restrictions
apply to such in-service withdrawals, see the In- Service Withdrawals Addendum.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(B)** ☐ after the Participant has at least 60 months of participation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(i)** ☐ Special restrictions apply
to such in-service withdrawals, see the In- Service Withdrawals Addendum.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** ☑ another in-service withdrawal option that is permissible under the Code. Please complete
the In-Service Withdrawals Addendum identifying the in-service withdrawal option(s).

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| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

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**Note**: Any withdrawal indicated in this Section may be a "protected benefit" under Code Section 411(d)(6) which can be eliminated only to the extent permitted by applicable guidance.

**1.20**  **<u>FORM OF DISTRIBUTIONS</u>** 

Subject to Section 13.01, 13.02 and Article 14 of the Basic Plan Document, distributions under the Plan shall be paid as provided below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(a)**  ***Lump Sum Payments*** - Lump sum payments are always available under the Plan and are the normal
form of payment under the Plan except as modified in Subsection 1.20(d)(2) below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(b)** ☑  ***Installment Payments*** - Participants may
elect distribution under a systematic withdrawal plan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(c)** ☑  ***Partial Withdrawals*** - A Participant
whose employment has terminated and whose Account is distributable in accordance with the provisions of Article 12 of the Basic Plan
Document may elect to withdraw any portion of his distributable vested interest in his Account in a lump sum or any other form of distribution
provided in this Section, at any time.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(d)** ☑  ***Annuities*** (Check if the Plan
is retaining any annuity form(s) of payment.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☑ An annuity form of payment is available under the Plan because the Plan either converted
from or received a transfer of assets from a plan that was subject to the minimum funding requirements of Code Section 412 and therefore
an annuity form of payment is a protected benefit under the Plan in accordance with Code Section 411(d)(6).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** The normal form of payment under the Plan is (check (A) or (B)):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** ☑ Lump sum is the normal form of payment for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(i)** ☐ All Participants

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(ii)** ☑ All Participants except those Participants or Participant's sub-accounts identified
on the Forms of Payment Addendum.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(B)** ☐ Life annuity is the normal form of payment for all Participants.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(3)** ☑ The Plan offers at least one other form of annuity as specified in the Forms of Payment
Addendum.

**Note**: A life annuity option will continue to be an available form of payment for any Participant who elected such life annuity payment before the effective date of its elimination.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(e)** Cash Outs and Implementation of Required Rollover Rule

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☑ If the vested Account balance payable to an individual is less than or equal to the cash
out limit utilized for such individual, such Account will

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be distributed in accordance with the provisions of Section 13.02 or 18.04 of the Basic Plan Document. The cash out limit is:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** ☐ $1,000.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** ☑ The dollar amount specified in Code Section 411(a)(11)(A) ($5,000
as of January 1, 2013). Any distribution greater than $1,000 that is made to a Participant without the Participant's consent before
the Participant's Normal Retirement Age (or age 62, if later) will be rolled over to an individual retirement plan designated by
the Plan Administrator.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(f)** ☑ See the additional distribution forms described in the Forms of Payment
Addendum.

**1.21**  **<u>TIMING OF DISTRIBUTIONS</u>** 

Except as provided in Subsection 1.21(a) or (b), distribution shall be made to an eligible Participant from his vested interest in his Account as soon as reasonably practicable following the Participant's request for distribution pursuant to Article 12 of the Basic Plan Document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(a)** Distribution shall be made to an eligible Participant from his vested interest in his Account as soon
as reasonably practicable following the date the Participant's application for distribution is received by the Administrator, but
in no event later than his Required Beginning Date, as defined in Subsection 2.01(vv).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(b)** ☐  ***Preservation of Same Desk Rule*** - Check if the Employer wants to continue application of the same desk rule described in Subsection 12.01(b)
of the Basic Plan Document regarding distribution of Deferral Contributions, Qualified Nonelective Employer Contributions, Qualified
Matching Employer Contributions, 401(k) Safe Harbor Matching Employer Contributions, and 401(k) Safe Harbor Nonelective Employer Contributions.  ***(If any or all of the above-listed contribution types were previously distributable upon severance from employment, this Option may not be selected.)*** 

**1.22**  **<u>TOP HEAVY STATUS</u>** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(a)** The Plan shall be subject to the Top-Heavy Plan requirements of Article 15 (check one):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☐ for each Plan Year, whether
or not the Plan is a "top-heavy plan" as defined in Subsection 15.01(g) of the Basic Plan Document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** ☑ for each Plan Year, if any, for which the Plan is a
"top-heavy plan" as defined in Subsection 15.01(g) of the Basic Plan Document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(3)** ☐ Not
applicable. (Choose only if (A) Plan covers only employees subject to a collective bargaining agreement, or (B) Option 1.11(a)(3), 401(k)
Safe Harbor Matching Employer Contributions, or Option 1.12(a)(3), 401(k) Safe Harbor Formula, is selected, and the Plan does not provide
for Employee Contributions or any other type of Employer Contributions.)

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(b)** If the Plan is or is treated as a "top-heavy plan" for a Plan Year, each non-key Employee
shall receive an Employer Contribution of at least <u>3</u> % (3 or 5)% of Compensation for the Plan Year or such other amount in accordance
with Section 15.03 of the Basic Plan Document or as elected on the 416 Contributions Addendum. The minimum Employer Contribution provided
in this Subsection 1.22(b) shall be made under this Plan only if the Participant is not entitled to such contribution under another qualified
plan of the Employer, unless the Employer elects otherwise below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☐ The minimum Employer Contribution shall be paid under this Plan in any
event.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** ☐ Another method of satisfying the requirements of Code Section 416. Please
complete the 416 Contributions Addendum to the Adoption Agreement describing the way in which the minimum contribution requirements will
be satisfied in the event the Plan is or is treated as a "top-heavy plan".

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(3)** ☐ Not applicable. (Choose only if (A) Plan covers only employees subject
to a collective bargaining agreement, or (B) Option 1.11(a)(3), 401(k) Safe Harbor Matching Employer Contributions, or Option 1.12(a)(3),
401(k) Safe Harbor Formula, is selected, and the Plan does not provide for Employee Contributions or any other type of Employer contributions.)

**Note**: The minimum Employer contribution may be less than the percentage indicated in Subsection 1.22(b) above to the extent provided in Section 15.03 of the Basic Plan Document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(c)** If the Plan is or is treated as a "top-heavy plan" for a Plan Year, the vesting schedule found
in Subsection 1.16(c)(1) shall apply for such Plan Year and each Plan Year thereafter, except with regard to Participants for whom there
is a more favorable vesting schedule for Nonelective Employer Contributions. If the Employer has selected Option 1.01(b)(1) and the minimum
Employer contribution will not be immediately 100% vested, the Vesting Schedule Addendum must contain the applicable vesting schedule.

**1.23**  **<u>CORRECTION TO MEET 415 REQUIREMENTS UNDER MULTIPLE DEFINED CONTRIBUTION PLANS</u>** 

☐ ***Other Order for Limiting Annual Additions*** – If the Employer maintains other defined contribution plans, annual additions to a Participant's Account shall be limited as provided in Section 6.12 of the Basic Plan Document to meet the requirements of Code Section 415, unless the Employer elects this Option and completes the 415 Correction Addendum describing the order in which annual additions shall be limited among the plans.

**1.24**  **<u>INVESTMENT DIRECTION</u>** 

Subject to Sections 8.02 and 8.03 of the Basic Plan Document, Participant Accounts shall be invested (check one):

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(a)** ☐ in accordance with the investment directions provided to the Trustee by
the Investment Fiduciary for allocating all Participant Accounts among the Permissible Investments.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(b)** ☑ in accordance with the investment directions provided
to the Trustee by each Participant for allocating his entire Account among the Permissible Investments.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(c)** ☐ in accordance with the investment directions provided to the Trustee by
each Participant for all contribution sources in his Account, except that the following sources shall be invested in accordance with
the investment directions provided by the Investment Fiduciary (check (1) and/or (2)):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☐ Nonelective Employer Contributions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** ☐ Matching Employer Contributions

**Note**: The Investment Fiduciary must direct the applicable sources among the Permissible Investments.

**Note**: If the Investment Fiduciary directs that a portion or all of a Participant's Nonelective Employer Contributions be invested in employer securities (as described in Section 8.02(b) of the Basic Plan Document), such investment must be discontinued with respect to any Participant who has completed three or more years of Vesting Service, and investment of the Participant's Nonelective Employer Contributions must be diversified among the other Permissible Investments.

**1.25**  **<u>ADDITIONAL PROVISIONS AND PROTECTED BENEFITS</u>** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(a)** ☑  ***Additional Provisions*** - The Plan includes certain provisions that are not delineated through the above elections in this Adoption Agreement, but are incorporated
into the Adoption Agreement through the Additional Provisions Addendum. The provisions included within the Additional Provisions Addendum
supplement and/or alter the provisions of this Adoption Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(b)** ☑  ***Protected Benefit Provisions*** - The Plan includes provisions that are "protected benefits"
under Code Section 411(d)(6) and are not delineated through the above elections in this Adoption Agreement, but are described within the
Protected Benefit Provisions Addendum.

**1.26**  **<u>SUPERSEDING PROVISIONS</u>** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(a)** ☑ The Employer has completed the Plan Superseding Provisions Addendum to show the provisions of the Plan
which supersede provisions of this Adoption Agreement and/or the Basic Plan Document.

**Note**: If the Employer elects superseding provisions in Option (a) above, unless such provisions are of the type found in Section 8.03 of Revenue Procedure 2017-41 as not causing a plan to fail to be identical (i.e., changes to the administrative provisions of the Plan, such as provisions relating to investments or plan claims procedures), the Employer will not be permitted to rely on the Pre- Approved Plan Provider's opinion letter for qualification of its Plan. In addition, such superseding provisions may in certain circumstances affect the Plan's status as a pre-approved plan eligible for the 6-year remedial amendment cycle. Superseding provisions

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

which alter only provisions governed by Title I of ERISA and solely administered by the Department of Labor will not impact the ability of the Employer to rely upon the Pre-Approved Plan Provider's opinion letter because they are outside the scope of such opinion letter.

**1.27**  **<u>RELIANCE ON OPINION LETTER</u>** 

An adopting Employer may rely on an opinion letter issued by the Internal Revenue Service as evidence that this Plan is qualified under Code Section 401 only to the extent provided in Section 7.02 of Revenue Procedure 2017-41. The Employer may not rely on the opinion letter in certain other circumstances or with respect to certain qualification requirements, which are specified in the opinion letter issued with respect to this Plan and in Section 7.03 of Revenue Procedure 2017-41. In order to have reliance in such circumstances or with respect to such qualification requirements, application for a determination letter must be made to Employee Plans Determinations of the Internal Revenue Service.

Failure to properly complete the Adoption Agreement and failure to operate the Plan in accordance with the terms of the Plan document may result in disqualification of the Plan.

This Adoption Agreement may be used only in conjunction with Fidelity Basic Plan Document No. 17. The Pre- Approved Plan Provider shall inform the adopting Employer of any amendments made to the Plan or of the discontinuance or abandonment of the Pre-Approved Plan.

**1.28**  **<u>ELECTRONIC SIGNATURE AND RECORDS</u>** 

This Adoption Agreement, and any amendment thereto, may be executed or affirmed by an electronic signature or electronic record permitted under applicable law or regulation, provided the type or method of electronic signature or electronic record is acceptable to the Trustee.

**1.29**  **<u>PRE-APPROVED PLAN PROVIDER'S INFORMATION</u>** 

Name of Pre-Approved Plan Provider: FMR LLC <br> Address of Pre-Approved Plan Provider: 245 Summer Street<br> Boston, MA 02210 <br> Pre-Approved Plan Provider's Telephone Number: 833-349-6757

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

**EXECUTION PAGE**

**Plan Name**: <u>UMB Profit Sharing and 401(k) Savings Plan</u> (the "Plan")

**Employer**: <u>UMB Financial Corporation</u>

The Fidelity Basic Plan Document No. 17 and the accompanying Adoption Agreement together comprise the Pre-Approved Defined Contribution Plan. It is the responsibility of the adopting Employer to review this Pre-Approved Plan with its legal counsel to ensure that the Pre-Approved Plan is suitable for the Employer and that the Adoption Agreement has been properly completed prior to signing.

IN WITNESS WHEREOF, the Employer has caused this Adoption Agreement to be executed this ____________ day of <u>9/28/2022</u>, ____.

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| | |
|:---|:---|
| Employer: | <u>UMB Financial Corporation</u> |
| By: | /s/ Diana M. Nolan |
| Title: | AVP/Sr Benefit Plans Administrator |

---

**Note**: Only one authorized signature is required to execute this Adoption Agreement unless the Employer's corporate policy mandates two authorized signatures.

---

| | |
|:---|:---|
| Employer: | <u>UMB Financial Corporation</u> |
| By: |  |
| Title: |  |

---

**Note**: This page may be duplicated, if needed, to allow separate execution when the Employer indicated in Section 1.02(a) is changing.

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

**PARTICIPATING EMPLOYERS ADDENDUM**

**for**

**Plan Name**: <u>UMB Profit Sharing and 401(k) Savings Plan</u>

**Note**: All participating employers must be a business entity of a type recognized under Treasury Regulation Section 301.7701-2(a).

(a) ☐ Only the following Related Employers (as defined in Subsection 2.01(uu) of the Basic
Plan Document) participate in the Plan (list each participating Related Employer and its Employer Tax Identification Number):<br>
___________________________________________________________________

(b) ☑ All Related Employer(s) as defined in Subsection 2.01(uu) of the Basic Plan Document
participate in the Plan as soon as administratively feasible.<br>
___________________________________________________________________

(c) ☐ All Related Employer(s) as defined in Subsection 2.01(uu) of the Basic Plan Document
participate in the Plan at the time described in Subsection 2.01(u) of the Basic Plan Document.<br>
___________________________________________________________________

(d) Notwithstanding the previous specific inclusion of an employer as a participating employer through an
election in (a), (b), or (c) above, unless specified otherwise by the Employer, a participating employer will cease participating in the
Plan immediately when it is no longer a Related Employer and the term "Employer" shall not include such employer unless provided
otherwise below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) ☐ If the common control
relationship (as defined in Code Section 414(c)) of any participating employer changes in such a way that such participating employer
is no longer a Related Employer, then such employer shall continue to be a participating employer and the Plan shall be a multiple employer
plan as provided in Section 18.05 of the Basic Plan Document.

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

**ELIGIBILITY, SERVICE AND VESTING ADDENDUM**

**for**

**Plan Name**: <u>UMB Profit Sharing and 401(k) Savings Plan</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)  ***Additional Eligibility Service Requirement(s)*** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(6)  ***Differing eligibility service requirements by group*** - Notwithstanding elections in 1.04(b),
the following different eligibility service requirements apply for the groups indicated below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(A) ☑ The table immediately below will apply for the following group of employees: <u>All Employees, unless determined otherwise by the Employer at the time of any acquisition, who commence employment with the Employer or a Related Employer as the result of an acquisition or similar transaction, or whose employer becomes a Related Employer due to an acquisition or similar transaction who have not completed one year of Eligibility Service (at least 1000 Hours of Service during any past Eligibility Computation Period) and have not also completed the applicable Eligibility Computation Period as of the date of acquisition</u>.

**Note**: The eligible group defined above must be a definitely determinable group and cannot be subject to the discretion of the Employer. In addition, the design of the classifications cannot be such that the only Non-Highly Compensated Employees benefiting under the Plan are those with the lowest compensation and/or the shortest periods of service and who may represent the minimum number of such employees necessary to satisfy coverage under Code Section 410(b).

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| (i) Deferral Contributions, Employee Contributions, Qualified Nonelective Employer Contributions | (ii) Nonelective Employer Contributions (other than Safe Harbor Nonelective Employer Contributions) | (iii) Matching Employer Contributions (other than Safe Harbor Matching Employer Contributions) | (iv) 401(k) Safe Harbor Nonelective Employer Contributions | (v) 401(k) Safe Harbor Matching Employer Contributions |  |
| X |  | X | X | X | N/A –not applicable – Plan does not offer this type of contribution or no Eligibility Service requirement |
|  |  |  |  |  | days of Eligibility Service requirement (no minimum Hours of Service). ***(Do not indicate more than 365 days in column (i), (iv) and (v) or 720 days in either of the other columns.)*** |
|  |  |  |  |  | months of Eligibility Service requirement (no minimum Hours of Service). ***(Do not indicate more than 12 months in column (i), (iv) and (v)) or 24 months in either of the other columns.)*** |

---

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

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| | |
|:---|:---|
| | ________ (**not to exceed 12**) months of Eligibility Service in which at least ________ ***(not to exceed an average of 83 1/3 hours per month or 1,000 per year of Eligibility Service required)*** Hours of Service are met during the Eligibility Computation Period ***(If an Employee completes 1000 hours during an Eligibility Computation Period, that Employee will have met the eligibility service requirement for the Plan.)*** |
| 1 year with 1000 hrs | one year of Eligibility Service requirement (at least ________ (not to exceed 1,000) Hours of Service are required during the Eligibility Computation Period). |
|  | two years of Eligibility Service requirement (at least ________ (not to exceed 1,000) Hours of Service are required during the Eligibility Computation Period). **(Select only for column (B) or (C).)** |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(B) ☑ The table immediately below will apply for the following group of employees: All
Employees, unless determined otherwise by the Employer at the time of any acquisition, who commence employment with the Employer or a
Related Employer as the result of an acquisition or similar transaction, or whose employer becomes a Related Employer due to an acquisition
or similar transaction who have completed one year of Eligibility Service (at least 1000 Hours of Service during any past Eligibility
Computation Period) and have also completed the applicable Eligibility Computation Period as of the date of acquisition..

**Note**: The eligible group defined above must be a definitely determinable group and cannot be subject to the discretion of the Employer. In addition, the design of the classifications cannot be such that the only Non-Highly Compensated Employees benefiting under the Plan are those with the lowest compensation and/or the shortest periods of service and who may represent the minimum number of such employees necessary to satisfy coverage under Code Section 410(b).

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| (i) Deferral Contributions, Employee Contributions, Qualified Nonelective Employer Contributions | (ii) Nonelective Employer Contributions (other than Safe Harbor Nonelective Employer Contributions) | (iii) Matching Employer Contributions (other than Safe Harbor Matching Employer Contributions) | (iv) 401(k) Safe Harbor Nonelective Employer Contributions | (v) 401(k) Safe Harbor Matching Employer Contributions |  |
| X | X | X | X | X | N/A –not applicable – Plan does not offer this type of contribution or no Eligibility Service requirement |
|  |  |  |  |  | days of Eligibility Service requirement (no minimum Hours of Service). ***(Do not indicate more than 365 days in column (i), (iv) and (v) or 720 days in either of the other columns.)*** |
|  |  |  |  |  | months of Eligibility Service requirement (no minimum Hours of Service). ***(Do not indicate more than 12 months in column (i), (iv) and (v)) or 24 months in either of the other columns.)*** |
|  |  |  |  |  | ________ (***not to exceed 12***) months of Eligibility Service in which at least ____________ ***(not to exceed an average of 83 1/3 hours per month or 1,000 per year of Eligibility Service required)*** Hours of Service are met during the Eligibility Computation Period ***(If an Employee completes 1000 hours during an Eligibility Computation Period, that Employee will have met the eligibility service requirement for the Plan.)*** |
|  |  |  |  |  | one year of Eligibility Service requirement (at least ________ (not to exceed 1,000) Hours of Service are required during the Eligibility Computation Period). |
|  |  |  |  |  | two years of Eligibility Service requirement (at least ________ (not to exceed 1,000) Hours of Service are required during the Eligibility Computation Period). ***(Select only for column (B) or (C).)*** |

---

**Note**: If the Employer selects an Eligibility Service requirement of more than 365 days or 12 months, or the two year Eligibility Service requirement, then (1) contributions subject to such Eligibility Service requirement must be 100% vested when made, and (2) if the Plan has selected either Safe Harbor Matching Employer Contributions or Safe Harbor Formula, then only one year of Eligibility Service (with at least 1000 Hours of Service) is required for such contributions.

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

**Note**: If different eligibility requirements are selected for Deferral Contributions in Subsection 1.04(a) or 1.04(b) than for Employer Contributions and a more stringent eligibility requirement is elected in Subsection 1.04(a) or (b) either (1) with respect to Matching Employer Contributions and 401(k) Safe Harbor Matching Employer Contributions, is selected or (2) with respect to Nonelective Employer Contributions and 401(k) Safe Harbor Formula, is selected, then the Plan may be disaggregated for testing purposes as described in Section 6.09 of the Basic Plan Document. If a more stringent eligibility requirement is elected in Subsection 1.04(a) or (b) for Nonelective Employer Contributions than for Matching Employer Contributions and 401(k) Safe Harbor Formula, is selected for Nonelective Employer Contributions, then Matching Employer Contributions may be similarly disaggregated.

**Note**: If different eligibility requirements are selected for Deferral Contributions in Subsection 1.04(a) or 1.04(b) than for Employer Contributions and the Plan becomes a "top-heavy plan," the Employer may need to make a minimum Employer Contribution on behalf of non-key Employees who have satisfied the eligibility requirements for Deferral Contributions and are employed on the last day of the Plan Year, but have not satisfied the eligibility requirements for Employer Contributions.

(b)  ***Eligibility Computation Period*** - The Eligibility Computation Period is the 12-consecutive-month
period beginning on an Employee's Employment Commencement Date and each Plan Year beginning on or after his Employment Commencement
Date.

(c)  ***Entry Dates*** – The Entry Dates shall be as indicated below with respect to the applicable
type(s) of contribution and group(s) described.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1)  ***Differing Entry Dates by group*** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(A) ☑ The table immediately below will apply for the following group
of employees: <u>All Employees, unless determined otherwise by the Employer at the time of any acquisition, who commence employment with the Employer or a Related Employer as the result of an acquisition or similar transaction, or whose employer becomes a Related Employer due to an acquisition or similar transaction who have not completed one year of Eligibility Service (at least 1000 Hours of Service during any past Eligibility Computation Period) and have not also completed the applicable Eligibility Computation Period as of the date of acquisition</u>.

**Note**: The eligible group defined above must be a definitely determinable group and cannot be subject to the discretion of the Employer. In addition, the design of the classifications cannot be such that the only Non-Highly Compensated Employees benefiting under the Plan are those with the lowest compensation and/or the shortest periods of service and who may represent the minimum number of such employees necessary to satisfy coverage under Code Section 410(b).

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| (A) Deferral Contributions, Employee Contributions, Qualified Nonelective Employer Contributions | (B) Nonelective Employer Contributions | (C) Matching Employer Contributions | (D) 401(k) Safe Harbor Nonelective Employer Contributions | (E) 401(k) Safe Harbor Matching Employer Contributions |  |
|  |  |  | X | X | N/A – not applicable – Plan does not offer this type of contribution |
| X |  | X |  |  | Immediate upon meeting the eligibility requirements specified in Subsections 1.04(a) and 1.04(b) |
|  | X |  |  |  | the first day of each Plan Year and the first day of the seventh month of each Plan Year |
|  |  |  |  |  | the first day of each Plan Year and the first day of the fourth, seventh, and tenth months of each Plan Year |
|  |  |  |  |  | the first day of each month |
|  |  |  |  |  | the first day of each Plan Year (Do not select if there is an Eligibility Service requirement of more than six months in Subsection 1.04(b) for the type(s) of contribution or if there is an age requirement of more than 20 1/2 in Subsection 1.04(a) for the type(s) of contribution.) |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(B) ☑ The table immediately below will apply for the following
group of employees: <u>All Employees, unless determined otherwise by the Employer at the time of any acquisition, who commence employment with the Employer or a Related Employer as the result of an acquisition or similar transaction, or whose employer becomes a Related Employer due to an acquisition or similar transaction who have completed one year of Eligibility Service (at least 1000 Hours of Service during any past Eligibility Computation Period) and have also completed the applicable Eligibility Computation Period as of the date of acquisition</u>.

**Note**: The eligible group defined above must be a definitely determinable group and cannot be subject to the discretion of the Employer. In addition, the design of the classifications cannot be such that the only Non-Highly Compensated Employees benefiting under the Plan are those with the lowest compensation and/or the shortest periods of service and who may represent the minimum number of such employees necessary to satisfy coverage under Code Section 410(b).

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| (A) Deferral Contributions, Employee Contributions, Qualified Nonelective Employer Contributions | (B) Nonelective Employer Contributions | (C) Matching Employer Contributions | (D) 401(k) Safe Harbor Nonelective Employer Contributions | (E) 401(k) Safe Harbor Matching Employer Contributions |  |
|  |  |  | X | X | N/A – not applicable – Plan does not offer this type of contribution |
| X | X | X |  |  | Immediate upon meeting the eligibility requirements specified in Subsections 1.04(a) and 1.04(b) |
|  |  |  |  |  | the first day of each Plan Year and the first day of the seventh month of each Plan Year |
|  |  |  |  |  | the first day of each Plan Year and the first day of the fourth, seventh, and tenth months of each Plan Year |
|  |  |  |  |  | the first day of each month |
|  |  |  |  |  | the first day of each Plan Year (Do not select if there is an Eligibility Service requirement of more than six months in Subsection 1.04(b) for the type(s) of contribution or if there is an age requirement of more than 20 1/2 in Subsection 1.04(a) for the type(s) of contribution.) |

---

**(d) *The following replaces Subsection 1.16(a):***

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) An Employee shall be credited with a year of Vesting Service for each 12-consecutive-month period specified
by the Employer in Subsection 1.16(a)(2) (the "Vesting Computation Period") during which the Employee has been credited with
at least 1000 (not to exceed 1,000) Hours of Service in a Vesting Computation Period.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) ☐ Hours of Service Crediting.
Hours of Service will be credited in accordance with the following equivalency rather than in accordance with the equivalency described
in Subsection 2.01(cc) of the Basic Plan Document:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(A) ☐ 10 Hours of Service for each day on which he performs an Hour of Service.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(B) ☐ 45 Hours of Service for each week in which he performs an Hour of Service.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(C) ☐ 95 Hours of Service for each semi-monthly payroll period in which he performs
an Hour of Service.

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) The Vesting Computation Period is the Plan Year.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) "**Break in Vesting Service**" means a Vesting Computation Period in which the Employee
does not complete more than 1/2 the Hours of Service specified in Subsection 1.16(a)(1). The following rules shall apply solely for purposes
of determining whether a person who is on leave has incurred a Break in Vesting Service:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(A) If an individual is absent from work because of "maternity/paternity leave", he shall be credited
with the Hours of Service with which he would otherwise be credited during such absence or, in any case in which such number of Hours
of Service cannot be determined, eight Hours of Service per day, up to a maximum of the number of Hours of Service required to prevent
a Break in Service. Such Hours of Service shall be credited to the Vesting Computation Period in which the person's absence begins
if necessary to prevent a Break in Vesting Service in such Vesting Computation Period or, in all other cases, to the Vesting Computation
Period following the Vesting Computation Period in which his absence began. For purposes of this paragraph, "maternity/paternity
leave" means a leave of absence (i) by reason of the pregnancy of the individual, (ii) by reason of the birth of a child of the
individual, (iii) by reason of the placement of a child with the individual in connection with the adoption of such child by the individual,
or (iv) for purposes of caring for a child for the period beginning immediately following such birth or placement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(B) If an individual is absent from work because of "FMLA leave", and returns to employment with
the Employer or a Related Employer following such FMLA leave, he shall be credited with the Hours of Service with which he would otherwise
be credited during such absence or, in any case in which such number of Hours of Service cannot be determined, eight Hours of Service
per day, for each Vesting Computation Period during which he is absent because of FMLA leave, as necessary to prevent a Break in Vesting
Service. For purposes of this paragraph, "FMLA leave" means an approved leave of absence pursuant to the Family and Medical
Leave Act of 1993.

**(e) *Different Vesting Schedule***

**Note**: With regard to contributions for Plan Years beginning after December 31, 2006, any schedule provided hereunder must be, at each year, at least as favorable as one of the schedules in C or D in the table shown in Section 1.16(c). In addition, each eligible group defined below must be a definitely determinable group, cannot be subject to the discretion of the Employer, and cannot be designed such that the only Non-Highly Compensated Employees benefiting under the Plan are those with the lowest compensation and/or the shortest periods of service and who may represent the minimum number of such employees necessary to satisfy coverage under Code Section 410(b).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) A vesting schedule different from the vesting schedule selected in Section 1.16 applies to the Participants
and contributions described below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(A) The following vesting schedule applies to the class of Participants described in (e)(1)(B) and the contributions
described in (e)(1)(C) below:

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| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

Years of Vesting Service <u>Vested Interest</u> <br> <u>0</u> <u>100</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(B) The vesting schedule specified in (e)(1)(A) above applies to the following class of Participants:

<u>Participants who satisfied the requirements of the 2003 Separation Program established for Employees terminated as a result of the transfer of Employee Benefits Business to Marshall & Ilsley Corporation</u>.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(C) The vesting schedule specified in (e)(1)(A) above applies to the following contributions:

<u>Nonelective - Discretionary</u>.

<u>Match - Discretionary</u>.

**Note**: The eligible group defined in (B) above must be a definitely determinable group and cannot be subject to the discretion of the Employer. In addition, the design of the classifications cannot be such that the only Non-Highly Compensated Employees benefiting under the Plan are those with the lowest compensation and/or the shortest periods of service and who may represent the minimum number of such employees necessary to satisfy coverage under Code Section 410(b).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) Additional different vesting schedule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(A) The following vesting schedule applies to the class of Participants described in (e)(2)(B) and the contributions
described in (e)(2)(C) below:

Years of Vesting Service <u>Vested Interest</u> <br> <u>0</u> <u>100</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(B) The vesting schedule specified in (e)(2)(A) above applies to the following class of Participants:

<u>Participants who separated from service under the 2000-2001 UMB Special Retirement Incentive Program</u>.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(C) The vesting schedule specified in (e)(2)(A) above applies to the following contributions:

<u>Nonelective - Discretionary</u>.

<u>Match - Discretionary</u>.

**Note**: The eligible group defined in (B) above must be a definitely determinable group and cannot be subject to the discretion of the Employer. In addition, the design of the classifications cannot be such that the only Non-Highly Compensated Employees

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

benefiting under the Plan are those with the lowest compensation and/or the shortest periods of service and who may represent the minimum number of such employees necessary to satisfy coverage under Code Section 410(b).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) Additional different vesting schedule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(A) The following vesting schedule applies to the class of Participants described in (e)(3)(B) and the contributions
described in (e)(3)(C) below:

Years of Vesting Service <u>Vested Interest</u> <br> <u>0</u> <u>100</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(B) The vesting schedule specified in (e)(3)(A) above applies to the following class of Participants:

<u>Participants with assets in the described sources were 100% vested in these assets when the Plan converted to the Fidelity Basic Plan Document No. 17 and its Adoption Agreement on 10/03/2022 and those Participants will continue to be 100% vested in these assets within the described sources at all times</u>.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(C) The vesting schedule specified in (e)(3)(A) above applies to the following contributions:

<u>Transfer from DB QJSA</u>.

<u>Employer Merged</u>.

<u>FSA Flex Dollars</u>.

<u>ESOP Diversification</u>.

**Note**: The eligible group defined in (B) above must be a definitely determinable group and cannot be subject to the discretion of the Employer. In addition, the design of the classifications cannot be such that the only Non-Highly Compensated Employees benefiting under the Plan are those with the lowest compensation and/or the shortest periods of service and who may represent the minimum number of such employees necessary to satisfy coverage under Code Section 410(b).

**(f) *The following replaces Subsection 1.17(a)(2)*:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) Additional service shall be credited as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(A) After <u>10/03/2022</u> (fill in effective date of acquisition), service with a prior employer shall be
granted in the following situation(s) (describe the applicable group of employees, date from which service will be granted and acquisition
or other situation involving the Employer and the employees' prior employer):

<u>Employees who commence employment with the Employer or a Related Employer as the result of an acquisition or similar transaction, or whose employer becomes a Related Employer due to an acquisition or similar transaction, will be</u> 

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

<u>credited with service for eligibility and vesting purposes, unless determined otherwise by the Employer at the time of any acquisition, for service performed for the pre-acquisition employer (in the case of an asset purchase) or for the acquired Related Employer (in the case of a stock purchase) prior to the acquisition or similar transaction</u>.

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

**COMPENSATION ADDENDUM**

**for**

**Plan Name**: <u>UMB Profit Sharing and 401(k) Savings Plan</u>

(a) ***Compensation Base Additions*** – Compensation shall also include the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) ☐ None or N/A

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) ☑ Deemed Code Section 125 compensation
(as described in Section 2.01(k)(2))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) ☐ Other: ________

**Note**: If the Employer elects in (a)(3) above to include an item in Compensation only for a particular group of Employees, any eligible group defined in (a)(3) above must be a definitely determinable group and cannot be subject to the discretion of the Employer. In addition, the design of the classifications cannot be such that the only Non- Highly Compensated Employees benefiting under the Plan are those with the lowest compensation and/or the shortest periods of service and who may represent the minimum number of such employees necessary to satisfy coverage under Code Section 410(b).

(b) ***Compensation Exclusions*** – Compensation shall exclude the following item(s):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) ☐ Not applicable - There are no exclusions from the definition of Compensation.
(Do not select with any of options (2) through (15) below.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) ☑ Reimbursements or other expense allowances.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) ☐ Fringe benefits (cash and non-cash).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4) ☐ Moving expenses.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(5) ☐ Deferred compensation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(6) ☐ Welfare benefits.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(7) ☐ Unused leave (as described in Section 2.01(k)(2)(B)(ii)(II)).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(8) ☐ Differential Wages (as defined in Section 2.01(k)(2)(B)(i)).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(9) ☐ Overtime pay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(10) ☐ Bonuses.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(11) ☐ Commissions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(12) ☐ The value of restricted stock or of a qualified or a non-qualified stock option
granted to an Employee by the Employer to the extent such value is includable in the Employee's taxable income.

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(13) ☐ Severance pay received prior to termination of employment. (Severance pay
for this purpose would be amounts other than those described in Section 2.01(k)(2)(B)(ii)) and any such amounts received following severance
from employment would always be excluded.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(14) ☐ Amounts paid to, or on behalf of, the Employee to reduce or offset student
loan repayment obligations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(15) ☑ Other (List separately any items excluded from Compensation only for a particular
group of Employees, with a description of that group.):

<u>Hiring bonuses and retention bonuses</u>.

**Note**: Any eligible group defined in (15) above must be a definitely determinable group and cannot be subject to the discretion of the Employer. In addition, the design of the classifications cannot be such that the only Non-Highly Compensated Employees benefiting under the Plan are those with the lowest compensation and/or the shortest periods of service and who may represent the minimum number of such employees necessary to satisfy coverage under Code Section 410(b).

**Note**: Generally, the Employer's selection of option (1) or of only options (2) through (6) (as a group), (7) and/or (8) above will not require Compensation be tested to show that it meets the requirements of Code Section 414(s) and it will be deemed an acceptable definition of Compensation for 401(k) Safe Harbor Nonelective Employer Contributions. If the Employer selects any of options (9) through (15), then it must be determined that the type of Compensation excluded is irregular or additional based on all the relevant facts and circumstances and must generally meet the following requirements: (1) for Nonelective Employer Contributions other than 401(k) Safe Harbor Nonelective Employer Contributions, the Plan must either pass the requirements under Code Section 414(s) or must pass the general test under regulations issued under Code Section 401(a)(4); (2) for 401(k) Safe Harbor Nonelective Employer Contributions, Compensation must not, for Non-Highly Compensated Employees, exclude amounts over a certain dollar amount (except as otherwise provided by Code Section 401(a)(17)) and must be tested to show that it meets the requirements of Code Section 414(s); (3) for Deferral Contributions and Safe Harbor Matching Employer Contributions, a Participant must be permitted to make Deferral Contributions under the Plan sufficient to receive the full 401(k) Safe Harbor Matching Employer Contribution, determined as a percentage of Compensation meeting the requirements of Code Section 414(s); (4) for Matching Employer Contributions (other than 401(k) Safe Harbor Matching Employer Contributions), Compensation for purposes of applying the limitations on Matching Employer Contributions described in Section 6.10 of the Basic Plan Document (for deemed satisfaction of the "ACP" test) must be tested to show that it meets the requirements of Code Section 414(s). Unless elected otherwise above, Compensation will include amounts described in Section 2.01(k)(2)(A) and (B) of the Basic Plan Document and exclude deemed Code Section 125 compensation. If the Plan is determined to be top heavy (in accordance with Option 1.22 and Article 15 of the Basic Plan Document), then contributions made pursuant to Section 15.03 of the Basic Plan Document will be based on Compensation without the above chosen exclusions.

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

**AUTOMATIC ENROLLMENT ADDENDUM**

**for**

**Plan Name**: <u>UMB Profit Sharing and 401(k) Savings Plan</u>

**(a) *The following shall be added at the end of Section 1.07(a)*:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Automatic Enrollment Provisions –Automatic enrollment made in accordance with Section 5.03(c) of
the Basic Plan Document is subject to the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) If EACA has been elected through Option 1.07(a)(4) and the EACA, as described in the Administrator's
separate procedures, does not cover all Eligible Employees, then the Plan is not eligible for the six month period for relief from the
excise tax of Code Section 4979(f)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) The Plan is (or was) an EACA in accordance with the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(A) A Participant who has made an Automatic Enrollment Contribution pursuant to the EACA (an "EACA Participant")
shall be eligible to elect to withdraw the amount attributable to such Automatic Enrollment Contribution pursuant to Section 5.03(c).
(All Eligible Employees subject to an automatic enrollment arrangement through the Plan must be covered by the EACA.)

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

**IN-SERVICE WITHDRAWALS ADDENDUM**

**for**

**Plan Name**: <u>UMB Profit Sharing and 401(k) Savings Plan</u>

**(a)**  ***Other In-Service Withdrawal Provisions*** - In-service withdrawals from a Participant's
sub-accounts specified below shall be available to Participants who satisfy the requirements also specified below:

**<u>Disability Distribution of Deferrals</u>**<u>. Upon becoming disabled, an in-service withdrawal will be available to Participants who are still an Employee from the Deferral Contribution portion of their Account. For purposes of applying the provisions of this in-service withdrawal only, a Participant is considered disabled either 1) because the Participant is eligible for benefits under the Employer's long-term disability plan or 2) because of a physical or mental disability, the Participant will be unable to perform the duties of his/her customary position of employment (or is unable to engage in any substantial gainful activity) for an indefinite period which the Plan Administrator considers will be of long continued duration. A Participant also is disabled if he/she incurs the permanent loss or loss of use of a member or on the date the Plan Administrator may require a Participant to submit to a physical examination in order to confirm being disabled. The Plan Administrator will apply the provisions in a nondiscriminatory, consistent and uniform manner</u>.

**<u>Age 59 1/2 Distribution of "Transfer from DB QJSA" sub-account</u>**<u>. A participant who has attained at least age 59 1/2 shall be entitled to receive a distribution of all or any portion of the vested amount in the "Transfer from DB QJSA" sub-account, if any</u>.

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

**PROTECTED BENEFIT PROVISIONS ADDENDUM**

**for**

**Plan Name**: <u>UMB Profit Sharing and 401(k) Savings Plan</u>

***Protected Benefit Provisions*** - The following benefits are retained under the Plan due to the nature of each as a "protected benefit" under Code Section 411(d)(6) and apply for the Participants and Beneficiaries described:

<u>For Participants hired prior to 10/03/2022, the definition of disabled for purposes of Section 1.15 will continue to be as follows: The Participant, because of a physical or mental disability, will be unable to perform the duties of his/her customary position of employment (or is unable to engage in any substantial gainful activity) for a indefinite period which the Plan Administrator considers will be of long continued duration. A Participant also is disabled if he/she incurs the permanent loss or loss of use of a member or on the date the Plan Administrator may require a Participant to submit to a physical examination in order to confirm being disabled. The Plan Administrator will apply the provisions in a nondiscriminatory, consistent and uniform manner</u>.

<u>The Early Retirement Age is the date the Participant attains age 55 and completes 20 years of Eligibility Service. For purposes of applying this provision only, Eligibility Service is calculated based on the Participant's anniversary date</u>.

<u>Funds were transferred to this Plan in 1998 from the UMB Retirement Plan, a defined benefit retirement plan. Such transfers may have met the elements of an "elective transfer," but nevertheless the Plan Sponsor has administered the transferred funds as if the protected forms of benefit available under the UMB Retirement Plan were applicable, and therefore such transferred funds are referred to as the "Transfer From DB QJSA" sub-account</u>.

**Note**: If a 411(d)(6) protected benefit in the Plan or a plan being merged into the Plan is not either (i) available as a provision through the Pre-Approved Plan or (ii) the subject of a prior determination, advisory, or opinion letter, the Employer cannot rely on the Pre-Approved Plan Provider's opinion letter for qualification with respect to such benefit. If a 411(d)(6) protected benefit in the Plan or a plan being merged into the Plan is not permitted in a pre-approved plan, as described in Section 6.03 of Revenue Procedure 2017-41, such provision must be discontinued no later than the date the Plan adopts the Pre-Approved Plan or, in the case of a merger, the merger date and shall apply only to the extent required under Code Section 411(d)(6).

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

**FORMS OF PAYMENT ADDENDUM**

**for**

**Plan Name**: <u>UMB Profit Sharing and 401(k) Savings Plan</u>

(a) The following optional forms of annuity will continue to be offered under the Plan:

<u>Joint And 75% Survivor Annuity</u>.

**Note**: If the Plan offers a life annuity, the Plan must provide a qualified joint and survivor annuity and a qualified optional survivor annuity as described in Section 14.01 of the Basic Plan Document.

(b)  ***Forms of Payment Available Only to Specified Class*** . The following forms of payment apply
only to the following class(es) of Participants (the normal form of payment shall be listed for each such class where it differs from
the form as selected in 1.20(d)):

<u>Joint And 75% Survivor Annuity only applies to the following class</u>:

<u>Participants with assets in the Transfer from DB QJSA Source or Participants who had assets transferred from the Transfer from DB QJSA Source as an "In-Plan Roth Rollover" Contribution or "In-Plan Roth Conversion" as described in Sections 1.09(b) and (c)</u>.

<u>Qualified Joint And 50% Survivor Annuity (and corresponding Qualified Preretirement 100% Survivor Annuity) only applies to the following class (and is the normal form of payment for that class)</u>:

<u>Participants with assets in the Transfer from DB QJSA Source or Participants who had assets transferred from the Transfer from DB QJSA Source as an "In-Plan Roth Rollover" Contribution or "In-Plan Roth Conversion" as described in Sections 1.09(b) and (c)</u>.

**Note**: If the availability of a form of payment is restricted in accordance with the provisions of this Subsection, the form of payment may need to be tested to show that it meets the requirements of Code Section 401(a)(4), nondiscrimination in benefits, rights and features, if (1) the class(es) of Participants identified above is not an acquired group of employees and (2) the form of payment is available with respect to the Participant's full Account, including new contributions.

(c) All annuity forms of payment described above are available only with respect to the following portion
of a Participant's Account:

<u>Transfer from DB QJSA</u>.

<u>Roth In-Plan Conversion</u>.

<u>Roth IPC ER II</u>

(d)  ***In-Kind Distribution of Employer Securities*** . To the extent that a Participant's Account
is invested in employer securities, as described in Subsection 8.02(b) of the Basic Plan Document, a Participant may elect to receive
distribution of his Account under the lump sum payment method in shares of employer securities instead of in cash.

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

**FIDUCIARY ADDENDUM**

**for**

**Plan Name**: <u>UMB Profit Sharing and 401(k) Savings Plan</u>

(a) ☑ Amounts a service provider agrees to credit to the Plan in recognition of the service provider's
compensation for Plan services may be allocated to an ERISA account as provided in Section 19.05. If not so allocated and not utilized
for the payment of Plan expenses, such amounts shall be allocated:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) ☑ To
 the Accounts of Participants and Beneficiaries pro rata based on their Account balances in
 the Trust excluding amounts invested in a loan pursuant to Article 9.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) ☐ To the Accounts of Participants who are employed by the
Employer or a Related Employer pro rata based on their Account balances in the Trust excluding amounts invested in a loan pursuant to
Article 9.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) ☐ To the Accounts of Participants and Beneficiaries on
a per capita basis.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4) ☐ To the Accounts of Participants who are employed by the
Employer or a Related Employer on a per capita basis.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(5) ☐ As
follows: (A) to the extent an amount is attributable to a Permissible Investment, such amount shall be allocated to the Accounts of Participants
and Beneficiaries pro rata based on the ratio that each Participant and Beneficiary's balance in each such Permissible Investment
bears to the total balances for all such Participants and Beneficiaries in such Permissible Investment; and, (B) to the extent an amount
is a credit for float earnings of the Plan in excess of float expenses, such amount shall be allocated to an ERISA account from which
the Administrator may pay Plan expenses and/or allocate amounts to the Accounts of Participants and Beneficiaries pro rata based on their
Account balances in the Trust excluding amounts invested in a loan pursuant to Article 9.

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

**ADDITIONAL PROVISIONS ADDENDUM**

**for**

**Plan Name**: <u>UMB Profit Sharing and 401(k) Savings Plan</u>

**(a)**  ***Additional Provision(s)*** – The following provisions supplement and/or, to the degree
described herein, supersede other provisions of this Adoption Agreement and the Basic Plan Document in the following manner:

**(1)**  ***The following shall be inserted following Section 1.29 as a new section*** :

**1.31.**  ***Governing Law*** . The Plan shall be construed, administered and enforced according to ERISA,
and to the extent not preempted thereby, the laws of the State of MO.

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

**PLAN SUPERSEDING PROVISIONS ADDENDUM**

**for**

**Plan Name**: <u>UMB Profit Sharing and 401(k) Savings Plan</u>

(a)  ***Superseding Provision(s)*** – The following provisions supersede other provisions of
this Adoption Agreement and/or the Basic Plan Document in the manner described:

**The following is added as a new paragraph to the end of Section 11.04**:

"**Divorce revokes spousal Beneficiary designation**. Notwithstanding anything in the Plan to the contrary, if a Participant has designated the Spouse as a Beneficiary, then a divorce decree that relates to such Spouse shall revoke the Participant's designation of the Spouse as a Beneficiary unless the decree or a "qualified domestic relations order" (within the meaning of Code §414(p)) provides otherwise or a subsequent Beneficiary designation is made."

**Note**: Unless the above-described provisions are of the type found in Section 8.03 of Revenue Procedure 2017-41 as not causing a plan to fail to be identical (i.e., changes to the administrative provisions of the Plan, such as provisions relating to investments or plan claims procedures), the Employer will not be permitted to rely on the Pre-Approved Plan Provider's opinion letter for qualification of its Plan. In addition, such superseding provisions may in certain circumstances affect the Plan's status as a pre-approved plan eligible for the 6-year remedial amendment cycle. Superseding provisions which alter only provisions governed by Title I of ERISA and solely administered by the Department of Labor will not impact the ability of the Employer to rely upon the Pre-Approved Plan Provider's opinion letter.

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

**ADDENDUM TO ADOPTION AGREEMENT**

**FIDELITY BASIC PLAN DOCUMENT No. 17**

**RE: The Bipartisan Budget Act of 2018, and Code Sections 401(k) and 401(m) 2019 Final Hardship Regulations**

**Plan Name**: <u>UMB Profit Sharing and 401(k) Savings Plan</u>

**Fidelity 5-digit Plan Number**: <u>54696</u>

**PREAMBLE**<br> **<u>Adoption and Effective Date of Amendment</u>**. This amendment of the Plan is adopted to reflect statutory changes pursuant to the Bipartisan Budget Act of 2018 (BBA), and Code Sections 401(k) and (m) 2019 Final Hardship Regulations and any related guidance. This amendment is intended as good faith compliance with the requirements of the Disaster Relief Act, the TCJA and the BBA and those final regulations and is to be construed in accordance with guidance issued thereunder. This amendment shall be effective for Plan Years beginning after December 31, 2018 with respect to Fidelity's Pre-Approved plan and with respect to the Employer's plan except as provided below.

**<u>Supersession of Inconsistent Provisions</u>**. This amendment shall supersede the provisions of the Plan to the extent those provisions are inconsistent with the provisions of this amendment.

**<u>Hardship Provisions</u>**

(a) **No Loan Requirement Prior to Hardship**. Unless otherwise indicated below, the loan requirement described
in Section 10.05(b)(1) is removed effective for Plan Years beginning after December 31, 2018.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) ☐ Later effective date: ________________

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) ☐ **Loan Required Prior to Hardship**. A Participant shall obtain all nontaxable (at the time of the loan) loans currently available under all
plans maintained by the Employer or any Related Employer in order for the distribution to be considered as necessary to satisfy an immediate
and heavy financial need of the Participant.

This subsection (a)(2) shall be effective:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(A) ☐ The first day of the Plan Year beginning after December 31, 2018.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(B) ☐ Later effective date:

(b) **Earnings**. Unless otherwise indicated below, earnings accrued on Accounts specified by the Employer
will be included in amounts available for withdrawals effective for Plan Years beginning after December 31, 2018.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) ☐ Later effective date: __________________

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) ☐ **Earnings excluded from hardship withdrawals**. A hardship withdrawal will exclude any earnings on the Deferral Contributions Account accrued
after the later of December 31, 1988 or the last day of the last Plan Year ending before July 1, 1989.

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

This subsection (b)(2) shall be effective:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(A) ☐ The first day of the Plan Year beginning after December 31, 2018.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(B) ☐ Later
effective date: __________________

(c) **Suspension Removal**. Effective for Plan Years beginning after December 31, 2018, unless otherwise
indicated below, the suspension of contributions described in Section 10.05(b) of the Plan is removed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) ☐ Later effective date: ____________________
(cannot be later than January 1, 2020).

**Amendment Execution**

IN WITNESS WHEREOF, the Employer has caused this Amendment to be executed on the date given below.

---

| | | |
|:---|:---|:---|
| Employer: | <u>UMB Financial Corporation</u> | Employer: |
| By: |  | By: |
| Title: |  | Title: |
| Date: |  | Date: |

---

Note: Only one authorized signature is required to execute this Adoption Agreement unless the Employer's corporate policy mandates two authorized signatures.

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

*Participation Agreement is required to be executed and retained by Employer for each un-Related Employer, but is optional for use with any Related Employers.*

**PARTICIPATION AGREEMENT**

**for**

**Plan Name**: <u>UMB Profit Sharing and 401(k) Savings Plan</u>

By executing this Participation Agreement, the Employer identified below ("Participating Employer") agrees to be bound by the terms of the Plan and the Trust Agreement as adopted by the Plan Sponsor, including any amendments thereto.

---

| | | |
|:---|:---|:---|
| Participating Employer: |  |  |
|  | *(name)* | *(name)* |
|  |  | *(EIN)* |
| Effective date of participation: | *(month/day/year)* | *(month/day/year)* |

---

*This Participation Agreement must be signed and dated below by the Participating Employer to be effective.*

IN WITNESS WHEREOF, the Participating Employer has caused this Participation Agreement to be executed on the date given below.

**Participating Employer**

---

| |
|:---|
| By: |
| Title: |
| Date: |

---

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1658740061AA** |

---

© 2020 FMR LLC

All rights reserved.

## Exhibit 4.5

**Exhibit 4.5**

**ADOPTION AGREEMENT<br> ARTICLE 1<br> PROFIT SHARING/401(K) PLAN**

1.01 <u>PLAN INFORMATION</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(a) *Name of Plan*:**

This is the <u>UMB Profit Sharing and 401(k) Savings Plan</u> (the "Plan")

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1666260641AA** |

---

© 2020 FMR LLC

All rights reserved.

**AMENDMENT EXECUTION PAGE**

---

| | |
|:---|:---|
| **Plan Name**: | <u>UMB Profit Sharing and 401(k) Savings Plan</u> (the "Plan") |
| **Employer**: | <u>UMB Financial Corporation</u> |

---

[**Note**: These execution pages are to be completed in the event the Employer modifies any prior election(s) or makes a new election(s) in this Adoption Agreement. Attach the amended page(s) of the Adoption Agreement to these execution pages.]

The following section(s) of the Plan are hereby amended effective as of the date(s) set forth below:

---

| | |
|:---|:---|
| Section Amended | Effective Date |
| &nbsp;&nbsp;&nbsp;Plan Superseding Provisions Addendum | 10/20/2022 |

---

IN WITNESS WHEREOF, the Employer has caused this Amendment to be executed on the date given below.

---

| | | | |
|:---|:---|:---|:---|
| Employer: | <u>UMB Financial Corporation</u> | Employer: | <u>UMB Financial Corporation</u> |
| By: | /s/ Diana Nolan | By: |  |
| Title: | AVP/Sr Benefit Plans Administrator | Title: |  |
| Date: | 10/20/2022 | Date: |  |

---

**Note:** Only one authorized signature is required to execute this Adoption Agreement unless the Employer's corporate policy mandates two authorized signatures.

Note: This page may be duplicated, if needed, to allow separate execution when the Employer indicated in Section 1.02(a) is changing.

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1666260641AA** |

---

© 2020 FMR LLC

All rights reserved.

**PLAN SUPERSEDING PROVISIONS ADDENDUM**

**for**

**Plan Name:** <u>UMB Profit Sharing and 401(k) Savings Plan</u>

**(a)**  ***Superseding Provision(s)*** *–* The following provisions supersede other provisions
of this Adoption Agreement and/or the Basic Plan Document in the manner described:

**The following is added as a new paragraph to the end of Section 11.04:**

"**Divorce revokes spousal Beneficiary designation.** Notwithstanding anything in the Plan to the contrary, if a Participant has designated the Spouse as a Beneficiary, then a divorce decree that relates to such Spouse shall revoke the Participant's designation of the Spouse as a Beneficiary unless a subsequent Beneficiary designation is made."

**Note:** Unless the above-described provisions are of the type found in Section 8.03 of Revenue Procedure 2017-41 as not causing a plan to fail to be identical (*i.e.*, changes to the administrative provisions of the Plan, such as provisions relating to investments or plan claims procedures), the Employer will not be permitted to rely on the Pre-Approved Plan Provider's opinion letter for qualification of its Plan. In addition, such superseding provisions may in certain circumstances affect the Plan's status as a pre-approved plan eligible for the 6-year remedial amendment cycle. Superseding provisions which alter only provisions governed by Title I of ERISA and solely administered by the Department of Labor will not impact the ability of the Employer to rely upon the Pre-Approved Plan Provider's opinion letter.

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1666260641AA** |

---

© 2020 FMR LLC

All rights reserved.

## Exhibit 4.6

**Exhibit 4.6**

1.04 <u>COVERAGE</u>

All Employees who meet the conditions specified below shall be eligible to participate in the Plan:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(a) *Age Requirement*** (check one):

**(1)** **☒** no age requirement.

**(2)** **☐** must have attained age: <u> </u> **(not to exceed 21).** 

**(3)** **☐** See Eligibility, Service and Vesting Addendum for differing age requirements for different groups.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(b) *Eligibility Service Requirement(s) -***

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **(1)** Deferral Contributions, Employee Contributions, Qualified Nonelective Employer Contributions | **(2)** Nonelective Employer Contributions (other than Safe Harbor Nonelective Employer Contributions) | **(3)** Matching Employer Contributions (other than Safe Harbor Matching Employer Contributions) | **(4)** Safe Harbor Nonelective Employer Contributions | **(5)** Safe Harbor Matching Employer Contributions | |
| X |  | &nbsp;&nbsp;X | X | X | N/A – not applicable – Plan does not offer this type of contribution or no Eligibility Service requirement applies |
|  |  |  |  |  | days of Eligibility Service requirement (no minimum Hours of Service). ***(Do not indicate more than 365 days in column (1), (4), or (5) or 730 days in any of the other columns.)*** |
|  |  |  |  |  | months of Eligibility Service requirement (no minimum Hours of Service). ***(Do not indicate more than 12 months in column (1), (4), or (5) or 24 months in any of the other columns.)*** |
|  |  |  |  |  | <u> </u>(not to exceed 12) months of Eligibility Service (at least<u> </u>(not to exceed an average of 83 1/3 hours per month or 1,000 hours per year) Hours of Service are required during the Eligibility Computation Period). (Regardless of the foregoing, an Employee who completes 1000 Hours of Service during an Eligibility Computation Period satisfies the eligibility service requirement at the close of that computation period.) |
|  | &nbsp;&nbsp;1 year with 1000 hrs |  |  |  | one year of Eligibility Service requirement (at least<u> </u>(not to exceed 1,000) Hours of Service are required during the Eligibility Computation Period). |
|  |  |  |  |  | two years of Eligibility Service requirement (at least<u> </u>(not to exceed 1,000) Hours of Service are required during the Eligibility Computation Period). ***(Select only for column (2) or (3).)*** |

---

**Note:** If the Employer selects an Eligibility Service requirement of more than 365 days or 12 months or selects the two year Eligibility Service requirement, then (1) contributions subject to such Eligibility Service requirement must

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1670461973AA** |

---

© 2020 FMR LLC

All rights reserved.

be 100% vested when made, and (2) if the Plan has selected either Safe Harbor Matching Employer Contributions in Option 1.11(a)(3) or Safe Harbor Formula in Option 1.12(a)(3), then only one year of Eligibility Service (with at least 1000 Hours of Service) may be required for such contributions.

**Note:** The Plan shall be disaggregated for testing pursuant to Section 6.09 of the Basic Plan Document if a more stringent eligibility requirement is elected in Subsection 1.04(a) or (b) either (1) with respect to Matching Employer Contributions and Option 1.11(a)(3), 401(k) Safe Harbor Matching Employer Contributions, is selected or (2) with respect to Nonelective Employer Contributions and Option 1.12(a)(3), 401(k) Safe Harbor Formula, is selected, than with respect to Deferral Contributions.

**Note:** If different eligibility requirements are selected for Deferral Contributions than for Employer Contributions and the Plan becomes a "top-heavy plan," the Employer may need to make a minimum Employer Contribution on behalf of non-key Employees who have satisfied the eligibility requirements for Deferral Contributions and are employed on the last day of the Plan Year, but have not satisfied the eligibility requirements for Employer Contributions.

**(6)** **☒** See Eligibility, Service and Vesting Addendum for differing eligibility service requirements for different groups.

**(7)** **☐** **Hours of Service Crediting.** Hours of Service will be credited in accordance with the equivalency selected in the Eligibility, Service and Vesting Addendum rather than in accordance with the equivalency described in Subsection 2.01(cc) of the Basic Plan Document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(c)** **☒** **Eligibility Computation Period** - The Eligibility Computation Period will be as selected in the Eligibility, Service and Vesting Addendum rather than the anniversary period described in Subsection 2.01(p) of the Basic Plan Document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(d)**  ***Eligible Class of Employees*** *:* 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** Generally, the Employees eligible to participate in the Plan
are (choose one):

**(A)** **☒** all Employees of the Employer.

**(B)** **☐** only Employees of the Employer who are covered by (choose one):

---

| | | |
|:---|:---|:---|
| **(i)** | **☐** | any collective bargaining agreement with the Employer, provided that the agreement requires the employees to be included under the Plan. |
| **(ii)** | **☐** | the following collective bargaining agreement(s) with the Employer: |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** **☒** Notwithstanding the selection in Subsection 1.04(d)(1) above, certain Employees of the Employer are excluded from participation in the Plan:

**Note**: Certain employees (e.g., residents of Puerto Rico) are excluded automatically pursuant to Subsection 2.01(r) of the Basic Plan Document, regardless of the Employer's selection under this Subsection 1.04(d)(2).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** **☐** employees covered by a collective bargaining agreement, unless the agreement requires the employees to be included under the Plan.  ***(Do not choose if Option 1.04(d)(1)(B) is selected above.)*** 

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1670461973AA** |

---

© 2020 FMR LLC

All rights reserved.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(B)** **☐** Highly Compensated Employees as defined in Subsection 2.01(bb) of the Basic Plan Document.

**(C)** **☒** Leased Employees as defined in Subsection 2.01(ff) of the Basic Plan Document.

**(D)** **☒** nonresident aliens who do not receive any earned income from the Employer which constitutes United States source income.

**(E)** **☐** other:

**Note**: The eligible group defined above must be a definitely determinable group and cannot be subject to the discretion of the Employer. In addition, the design of the classifications cannot be such that the only Non-Highly Compensated Employees benefiting under the Plan are those with the lowest compensation and/or the shortest periods of service and who may represent the minimum number of such employees necessary to satisfy coverage under Code Section 410(b).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(i)** **☐** Notwithstanding the exclusion in Subsection 1.04(d)(2)(E) above, any Employee described below shall be part of the class of Employees eligible to participate in the Plan (*i.e.*, an Eligible Employee) and enter the Plan on the Entry Date immediately following the end of the Eligibility Computation Period during which he first satisfies the following requirements: (I) has attained age 21 and (II) has completed at least 1,000 Hours of Service. This Subsection 1.04(d)(2)(E)(i) applies to the following Employees  ***(Must choose if an exclusion in (E) above directly or indirectly imposes an age and/or service requirement for participation, for example by excluding part-time, seasonal or temporary employees)*** :

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(F)** **☐** The Plan previously contained a provision allowing employees to irrevocably elect out of the Plan. Notwithstanding any lack of exclusion provided in the above, all such employees have made that previous irrevocable election are excluded from participation in the Plan. The Administrator maintains the list of all such exclusions.

**Note**: Exclusion of employees may adversely affect the Plan's satisfaction of the minimum coverage requirements, as provided in Code Section 410(b).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(e)**  ***Entry Dates*** – The Entry Dates shall be as indicated below with respect to the applicable
type(s) of contribution.

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1670461973AA** |

---

© 2020 FMR LLC

All rights reserved.

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **(1)** Deferral Contributions, Employee Contributions, Qualified Nonelective Employer Contributions | **(2)** Nonelective Employer Contributions (other than Safe Harbor Nonelective Employer Contributions) | **(3)** Matching Employer Contributions (other than Safe Harbor Matching Employer Contributions) | **(4)** Safe Harbor Nonelective Employer Contributions | **(5)** Safe Harbor Matching Employer Contributions | |
| **(A)** |  |  |  | X | X | N/A – not applicable – Plan does not offer this type of contribution |
| **(B)** |  |  |  |  |  | immediate upon meeting the eligibility requirements specified in Subsections 1.04(a) and 1.04(b) |
| **(C)** |  | X |  |  |  | the first day of each Plan Year and the first |
|  |  |  |  |  |  | day of the seventh month of each Plan Year |
| **(D)** |  |  |  |  |  | the first day of each Plan Year and the first day of the fourth, seventh, and tenth months of each Plan Year |
| **(E)** | X |  | X |  |  | the first day of each month |
| **(F)** |  |  |  |  |  | the first day of each Plan Year ***(Do not select if there is an Eligibility Service requirement of more than six months in Subsection 1.04(b) for the type(s) of contribution or if there is an age requirement of more than 20 1/2 in Subsection 1.04(a) for the type(s) of contribution.)*** |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(4)** **☒** See Eligibility, Service and Vesting Addendum for differing entry dates for different groups.

**Note:** If another plan is merged into the Plan, the Plan may provide on the Plan Mergers Addendum that the Effective Date of the merger is also an Entry Date with respect to certain Employees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(f)**  ***Date of Initial Participation*** - An Eligible Employee shall become a Participant on the Entry
Date coinciding with or immediately following the date such Eligible Employee completes the age and service requirement(s) in Subsections
1.04(a) and (b), if any, or in Subsection 1.04(d)(2)(E)(i), if applicable, except (check one):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** **☒** No exceptions.

**(2)** **☐** Eligible Employees employed on <u> </u> *(insert date)* shall become Participants on that date.

**(3)** **☐** Eligible Employees who meet the age and service requirement(s) of Subsections 1.04(a) and (b) on <u> </u> *(insert date)* shall become Participants on that date.

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1670461973AA** |

---

© 2020 FMR LLC

All rights reserved.

**AMENDMENT EXECUTION PAGE**

---

| | |
|:---|:---|
| **Plan Name**: | <u>UMB Profit Sharing and 401(k) Savings Plan</u> (the "Plan") |
| **Employer**: | <u>UMB Financial Corporation</u> |

---

[**Note**: These execution pages are to be completed in the event the Employer modifies any prior election(s) or makes a new election(s) in this Adoption Agreement. Attach the amended page(s) of the Adoption Agreement to these execution pages.]

The following section(s) of the Plan are hereby amended effective as of the date(s) set forth below:

---

| | |
|:---|:---|
| Section Amended | Effective Date |
| &nbsp;&nbsp;&nbsp;1.04 | 01/01/2023 |

---

IN WITNESS WHEREOF, the Employer has caused this Amendment to be executed on the date given below.

---

| | | | |
|:---|:---|:---|:---|
| Employer: | <u>UMB Financial Corporation</u> | Employer: | <u>UMB Financial Corporation</u> |
| By: | /s/ Diana Nolan | By: |  |
| Title: | AVP/Sr Benefit Plans Administrator | Title: |  |
| Date: | 12/12/2022 \| 11:12:55 | Date: |  |

---

**Note:** Only one authorized signature is required to execute this Adoption Agreement unless the Employer's corporate policy mandates two authorized signatures.

Note: This page may be duplicated, if needed, to allow separate execution when the Employer indicated in Section 1.02(a) is changing.

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1670461973AA** |

---

© 2020 FMR LLC

All rights reserved.

## Exhibit 4.7

**Exhibit 4.7**

1.01 <u>PLAN INFORMATION</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(a) Name of Plan:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This is the UMB Profit Sharing and 401(k) Savings Plan (the "Plan")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(g) Plan Status:**

**(4)** **☒** Plan Merger Effective Dates. Certain plan(s) were merged into the Plan on or after the date specified in Subsection 1.01(g)(1) above. Please complete the appropriate subsection(s) of the Plan Mergers Addendum.

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1666260641AA** |

---

© 2020 FMR LLC

All rights reserved.

**AMENDMENT EXECUTION PAGE**

---

| | |
|:---|:---|
| **Plan Name**: | <u>UMB Profit Sharing and 401(k) Savings Plan (the "Plan")</u> |
| **Employer**: | <u>UMB Financial Corporation</u> |

---

**Plan Name**: UMB Profit Sharing and 401(k) Savings Plan (the "Plan")

**Employer**: UMB Financial Corporation

[**Note**: These execution pages are to be completed in the event the Employer modifies any prior election(s) or makes a new election(s) in this Adoption Agreement. Attach the amended page(s) of the Adoption Agreement to these execution pages.]

The following section(s) of the Plan are hereby amended effective as of the date(s) set forth below:

Section Amended Effective Date <br> Section 1.01(g)(4) and Plan Mergers Addendum 04/02/2026 <br> <u>Eligibility, Service and Vesting Addendum</u> 04/02/2026

IN WITNESS WHEREOF, the Employer has caused this Amendment to be executed on the date given below.

---

| | | | |
|:---|:---|:---|:---|
| Employer: | <u>UMB Financial Corporation</u> | Employer: | <u>UMB Financial Corporation</u> |
| By: | /s/ Phillip Mason | By: |  |
| Title: | President Institutional Banking | Title: |  |
| Date: | 3/25/2026 \| 8:30:42 AM CDT | Date: |  |

---

**Note:** Only one authorized signature is required to execute this Adoption Agreement unless the Employer's corporate policy mandates two authorized signatures.

Note: This page may be duplicated, if needed, to allow separate execution when the Employer indicated in Section 1.02(a) is changing.

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1666260641AA** |

---

© 2020 FMR LLC

All rights reserved.

**PLAN MERGERS ADDENDUM**

**for**

**Plan Name:** UMB Profit Sharing and 401(k) Savings Plan

**(a)**  ***Plan Mergers* -** The following plan(s) were merged into the Plan on or after the Effective
Date indicated in Subsection 1.01(g)(1) or (2), as applicable (the "merged-in plan(s)"). The provisions of the Plan are effective
with respect to the merged-in plan(s) as of the date(s) indicated below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** Name of merged-in plan: <u>The ESOP of UMB</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Effective Date: <u>04/02/2026</u>

**Note:** If a 411(d)(6) protected benefit in a plan being merged into the Plan is not permitted in a pre-approved plan, as described in Section 6.03 of Revenue Procedure 2017-41, such provision must be discontinued no later than the merger date and shall apply only to the extent required under Code Section 411(d)(6).

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1666260641AA** |

---

© 2020 FMR LLC

All rights reserved.

**ELIGIBILITY, SERVICE AND VESTING ADDENDUM**

**for**

**Plan Name:** <u>UMB Profit Sharing and 401(k) Savings Plan</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Additional Eligibility Service Requirement(s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(6)**  ***Differing eligibility service requirements by group*** - Notwithstanding
elections in 1.04(b), the following different eligibility service requirements apply for the groups indicated below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** **☒** The table immediately below will apply for the following group of employees: <u>All Employees, unless determined otherwise by the Employer at the time of any acquisition, who commence employment with the Employer or a Related Employer as the result of an acquisition or similar transaction, or whose employer becomes a Related Employer due to an acquisition or similar transaction who have not completed one year of Eligibility Service (at least 1000 Hours of Service during any past Eligibility Computation Period) and have not also completed the applicable Eligibility Computation Period as of the date of acquisition.</u>.

**Note:** The eligible group defined above must be a definitely determinable group and cannot be subject to the discretion of the Employer. In addition, the design of the classifications cannot be such that the only Non-Highly Compensated Employees benefiting under the Plan are those with the lowest compensation and/or the shortest periods of service and who may represent the minimum number of such employees necessary to satisfy coverage under Code Section 410(b).

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **(i)** Deferral Contributions, Employee Contributions, Qualified Nonelective Employer Contributions | **(ii)** Nonelective Employer Contributions (other than Safe Harbor Nonelective Employer Contributions) | **(iii)** Matching Employer Contributions (other than Safe Harbor Matching Employer Contributions) | **(iv)** 401(k) Safe Harbor Nonelective Employer Contributions | **(v)** 401(k) Safe Harbor Matching Employer Contributions | |
| X |  | X | X | X | N/A –not applicable – Plan does not offer this type of contribution or no Eligibility Service requirement |
|  |  |  |  |  | days of Eligibility Service requirement (no minimum Hours of Service). ***(Do not indicate more than 365 days in column (i), (iv) and (v) or 720 days in either of the other columns.)*** |
|  |  |  |  |  | months of Eligibility Service requirement (no minimum Hours of Service). ***(Do not indicate more than 12 months in column (i), (iv) and (v)) or 24 months in either of the other columns.)*** |

---

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1666260641AA** |

---

© 2020 FMR LLC

All rights reserved.

---

| | |
|:---|:---|
| | <u> </u>(**not to exceed 12**) months of Eligibility Service in which at least<u> </u> **(not to exceed an average of 83 1/3 hours per month or 1,000 per year of Eligibility Service required)** Hours of Service are met during the Eligibility Computation Period ***(If an Employee completes 1000 hours during an*** |
| | ***Eligibility Computation Period, that Employee will have met the eligibility service requirement for the Plan.)*** |
| 1 year with 1000 hrs | one year of Eligibility Service requirement (at least<u> </u>(not to exceed 1,000) Hours of Service are required during the Eligibility Computation Period). |
|  | two years of Eligibility Service requirement (at least<u> </u> (not to exceed 1,000) Hours of Service are required during the Eligibility Computation Period). ***(Select only for column (ii) or (iii).)*** |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(B)** **☒** The table immediately below will apply for the following group of employees: <u>All Employees, unless determined otherwise by the Employer at the time of any acquisition, who commence employment with the Employer or a Related Employer as the result of an acquisition or similar transaction, or whose employer becomes a Related Employer due to an acquisition or similar transaction who have completed one year of Eligibility Service (at least 1000 Hours of Service during any past Eligibility Computation Period) and have also completed the applicable Eligibility Computation Period as of the date of acquisition.</u>.

**Note:** The eligible group defined above must be a definitely determinable group and cannot be subject to the discretion of the Employer. In addition, the design of the classifications cannot be such that the only Non-Highly Compensated Employees benefiting under the Plan are those with the lowest compensation and/or the shortest periods of service and who may represent the minimum number of such employees necessary to satisfy coverage under Code Section 410(b).

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **(i)** Deferral Contributions, Employee Contributions, Qualified Nonelective Employer Contributions | **(ii)** Nonelective Employer Contributions (other than Safe Harbor Nonelective Employer Contributions) | **(iii)** Matching Employer Contributions (other than Safe Harbor Matching Employer Contributions) | **(iv)** 401(k) Safe Harbor Nonelective Employer Contributions | **(v)** 401(k) Safe Harbor Matching Employer Contributions | |
| X | X | X | X | X | N/A –not applicable – Plan does not offer this type of contribution or no Eligibility Service requirement |
|  |  |  |  |  | days of Eligibility Service requirement (no minimum Hours of Service). ***(Do not indicate more than 365 days in column (i), (iv) and (v) or 720 days in either of the other columns.)*** |

---

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1666260641AA** |

---

© 2020 FMR LLC

All rights reserved.

---

| |
|:---|
| months of Eligibility Service requirement (no minimum Hours of Service). ***(Do not indicate more than 12 months in column (i), (iv) and (v)) or 24 months in either of the other columns.)*** |
| <u> </u>(**not to exceed 12**) months of Eligibility Service in which at least<u> </u>**(not to exceed an average of 83 1/3 hours per month or 1,000 per year of Eligibility Service required)** Hours of Service |
| are met during the Eligibility Computation Period ***(If an Employee completes 1000 hours during an Eligibility Computation Period, that Employee will have met the eligibility service requirement for the Plan.)*** |
| one year of Eligibility Service requirement (at least<u> </u> (not to exceed 1,000) Hours of Service are required during the Eligibility Computation Period). |
| two years of Eligibility Service requirement (at least<u> </u> (not to exceed 1,000) Hours of Service are required during the Eligibility Computation Period). ***(Select only for column (ii) or (iii).)*** |

---

**Note:** If the Employer selects an Eligibility Service requirement of more than 365 days or 12 months, or the two year Eligibility Service requirement, then (1) contributions subject to such Eligibility Service requirement must be 100% vested when made, and (2) if the Plan has selected either Safe Harbor Matching Employer Contributions or Safe Harbor Formula, then only one year of Eligibility Service (with at least 1000 Hours of Service) is required for such contributions.

Note: If different eligibility requirements are selected for Deferral Contributions in Subsection 1.04(a) or 1.04(b) than for Employer Contributions and a more stringent eligibility requirement is elected in Subsection 1.04(a) or (b) either (1) with respect to Matching Employer Contributions and 401(k) Safe Harbor Matching Employer Contributions, is selected or (2) with respect to Nonelective Employer Contributions and 401(k) Safe Harbor Formula, is selected, then the Plan may be disaggregated for testing purposes as described in Section 6.09 of the Basic Plan Document. If a more stringent eligibility requirement is elected in Subsection 1.04(a) or (b) for Nonelective Employer Contributions than for Matching Employer Contributions and 401(k) Safe Harbor Formula, is selected for Nonelective Employer Contributions, then Matching Employer Contributions may be similarly disaggregated.

Note: If different eligibility requirements are selected for Deferral Contributions in Subsection 1.04(a) or 1.04(b) than for Employer Contributions and the Plan becomes a "top-heavy plan," the Employer may need to make a minimum Employer Contribution on behalf of non-key Employees who have satisfied the eligibility requirements for Deferral Contributions and are employed on the last day of the Plan Year, but have not satisfied the eligibility requirements for Employer Contributions.

(b) Eligibility Computation Period - The Eligibility
Computation Period is the 12-consecutive-month period beginning on an Employee's Employment Commencement Date and each Plan Year
beginning on or after his Employment Commencement Date.

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1666260641AA** |

---

© 2020 FMR LLC

All rights reserved.

(c) Entry Dates - The Entry Dates shall be as indicated
below with respect to the applicable type(s) of contribution and group(s) described.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Differing Entry Dates by group

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** **☒** The table immediately below will apply for the following group of employees: <u>All Employees, unless determined otherwise by the Employer at the time of any acquisition, who commence employment with the Employer or a Related Employer as the result of an acquisition or similar transaction, or whose employer becomes a Related Employer due to an acquisition or similar transaction who have not completed one year of Eligibility Service (at least 1000 Hours of Service during any past Eligibility Computation Period) and have not also completed the applicable Eligibility Computation Period as of the date of acquisition.</u>.

**Note:** The eligible group defined above must be a definitely determinable group and cannot be subject to the discretion of the Employer. In addition, the design of the classifications cannot be such that the only Non-Highly Compensated Employees benefiting under the Plan are those with the lowest compensation and/or the shortest periods of service and who may represent the minimum number of such employees necessary to satisfy coverage under Code Section 410(b).

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **(i)** Deferral Contributions, Employee Contributions, Qualified Nonelective Employer Contributions | **(ii)** Nonelective Employer Contributions | **(iii)** Matching Employer Contributions | **(iv)** 401(k) Safe Harbor Nonelective Employer Contributions | **(v)** 401(k) Safe Harbor Matching Employer Contributions | |
|  |  |  | X | X | N/A – not applicable – Plan does not offer this type of contribution |
| X |  | X |  |  | Immediate upon meeting the eligibility requirements specified in Subsections 1.04(a) and 1.04(b) |
|  | X |  |  |  | the first day of each Plan Year and the first day of the seventh month of each Plan Year |
|  |  |  |  |  | the first day of each Plan Year and the first day of the fourth, seventh, and tenth months of each Plan Year |
|  |  |  |  |  | the first day of each month |
|  |  |  |  |  | the first day of each Plan Year ***(Do not select if there is an Eligibility Service requirement of more than six months in Subsection 1.04(b) for the type(s) of contribution or if there is an age requirement of more than 20 1/2 in Subsection 1.04(a) for the type(s) of contribution.)*** |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(B)** **☒** The table immediately below will apply for the following group of employees: <u>All Employees, unless determined otherwise by the Employer at the time of any acquisition, who commence employment with the Employer or a Related Employer as the result of an acquisition or similar transaction, or whose employer becomes a Related Employer due to an acquisition or similar transaction who have completed one year of Eligibility Service (at least 1000 Hours of Service during any past Eligibility Computation Period) and have also completed the applicable Eligibility Computation Period as of the date of acquisition.</u>.

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1666260641AA** |

---

© 2020 FMR LLC

All rights reserved.

**Note:** The eligible group defined above must be a definitely determinable group and cannot be subject to the discretion of the Employer. In addition, the design of the classifications cannot be such that the only Non-Highly Compensated Employees benefiting under the Plan are those with the lowest compensation and/or the shortest periods of service and who may represent the minimum number of such employees necessary to satisfy coverage under Code Section 410(b).

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **(i)** Deferral Contributions, Employee Contributions, Qualified Nonelective Employer Contributions | **(ii)** Nonelective Employer Contributions | **(iii)** Matching Employer Contributions | **(iv)** 401(k) Safe Harbor Nonelective Employer Contributions | **(v)** 401(k) Safe Harbor Matching Employer Contributions | |
|  |  |  | X | X | N/A – not applicable – Plan does not offer this type of contribution |
| X | X | X |  |  | Immediate upon meeting the eligibility requirements specified in Subsections 1.04(a) and 1.04(b) |
|  |  |  |  |  | the first day of each Plan Year and the first day of the seventh month of each Plan Year |
|  |  |  |  |  | the first day of each Plan Year and the first day of the fourth, seventh, and tenth months of each Plan Year |
|  |  |  |  |  | the first day of each month |
|  |  |  |  |  | the first day of each Plan Year ***(Do not select if there is an Eligibility Service requirement of more than six months in Subsection 1.04(b) for the type(s) of contribution or if there is an age requirement of more than 20 1/2 in Subsection 1.04(a) for the type(s) of contribution.)*** |

---

**(d)**  ***The following replaces Subsection 1.16(a):*** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) An Employee shall be credited with a year of Vesting
Service for each 12-consecutive-month period specified by the Employer in Subsection 1.16(a)(2) (the "Vesting Computation Period")
during which the Employee has been credited with at least <u>1000</u> (not to exceed 1,000) Hours of Service in a Vesting Computation
Period.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** **☐** Hours of Service Crediting. Hours of Service will be credited in accordance with the following equivalency rather than in accordance with the equivalency described in Subsection 2.01(cc) of the Basic Plan Document:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** **☐** 10 Hours of Service for each day on which he performs an Hour of Service.

**(B)** **☐** 45 Hours of Service for each week in which he performs an Hour of Service.

**(C)** **☐** 95 Hours of Service for each semi-monthly payroll period in which he performs an Hour of Service.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** The Vesting Computation Period is the Plan Year.

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1666260641AA** |

---

© 2020 FMR LLC

All rights reserved.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(3)** **"Break in Vesting Service"** means a Vesting Computation Period in which the Employee
does not complete more than 1/2 the Hours of Service specified in Subsection 1.16(a)(1). The following rules shall apply solely for purposes
of determining whether a person who is on leave has incurred a Break in Vesting Service:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** If an individual is absent from work because of "maternity/paternity leave", he shall be credited
with the Hours of Service with which he would otherwise be credited during such absence or, in any case in which such number of Hours
of Service cannot be determined, eight Hours of Service per day, up to a maximum of the number of Hours of Service required to prevent
a Break in Service. Such Hours of Service shall be credited to the Vesting Computation Period in which the person's absence begins
if necessary to prevent a Break in Vesting Service in such Vesting Computation Period or, in all other cases, to the Vesting Computation
Period following the Vesting Computation Period in which his absence began. For purposes of this paragraph, "maternity/paternity
leave" means a leave of absence (i) by reason of the pregnancy of the individual, (ii) by reason of the birth of a child of the
individual, (iii) by reason of the placement of a child with the individual in connection with the adoption of such child by the individual,
or (iv) for purposes of caring for a child for the period beginning immediately following such birth or placement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(B)** If an individual is absent from work because of "FMLA leave", and returns to employment with
the Employer or a Related Employer following such FMLA leave, he shall be credited with the Hours of Service with which he would otherwise
be credited during such absence or, in any case in which such number of Hours of Service cannot be determined, eight Hours of Service
per day, for each Vesting Computation Period during which he is absent because of FMLA leave, as necessary to prevent a Break in Vesting
Service. For purposes of this paragraph, "FMLA leave" means an approved leave of absence pursuant to the Family and Medical
Leave Act of 1993.

**(e)**  ***Different Vesting Schedule*** 

**Note:** With regard to contributions for Plan Years beginning after December 31, 2006, any schedule provided hereunder must be, at each year, at least as favorable as one of the schedules in C or D in the table shown in Section 1.16(c). In addition, each eligible group defined below must be a definitely determinable group, cannot be subject to the discretion of the Employer, and cannot be designed such that the only Non-Highly Compensated Employees benefiting under the Plan are those with the lowest compensation and/or the shortest periods of service and who may represent the minimum number of such employees necessary to satisfy coverage under Code Section 410(b).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** A vesting schedule different from the vesting schedule selected in Section 1.16 applies to the Participants
and contributions described below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** The following vesting schedule applies to the class of Participants described in (e)(1)(B) and the contributions
described in (e)(1)(C) below:

---

| | |
|:---|:---|
| **Years of Vesting Service** | **Vested Interest** |
| 0 | 100 |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(B)** The vesting schedule specified in (e)(1)(A) above applies to the following class of Participants:

Participants who satisfied the requirements of the 2003 Separation Program established for Employees terminated as a result of the transfer of Employee Benefits Business to Marshall & Ilsley Corporation.

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1666260641AA** |

---

© 2020 FMR LLC

All rights reserved.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(C)** The vesting schedule specified in (e)(1)(A) above applies to the following contributions:

<u>Nonelective - Discretionary.</u>

<u>Match - Discretionary.</u>

**Note:** The eligible group defined in (B) above must be a definitely determinable group and cannot be subject to the discretion of the Employer. In addition, the design of the classifications cannot be such that the only Non-Highly Compensated Employees benefiting under the Plan are those with the lowest compensation and/or the shortest periods of service and who may represent the minimum number of such employees necessary to satisfy coverage under Code Section 410(b).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** Additional different vesting schedule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** The following vesting schedule applies to the class of Participants described in (e)(2)(B) and the contributions
described in (e)(2)(C) below:

---

| | |
|:---|:---|
| **Years of Vesting Service** | **Vested Interest** |
| 0 | 100 |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(B)** The vesting schedule specified in (e)(2)(A) above applies to the following class of Participants:

<u>Participants who separated from service under the 2000-2001 UMB Special Retirement Incentive Program</u>.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(C)** The vesting schedule specified in (e)(2)(A) above applies to the following contributions:

<u>Nonelective - Discretionary</u>.

<u>Match - Discretionary</u>.

**Note:** The eligible group defined in (B) above must be a definitely determinable group and cannot be subject to the discretion of the Employer. In addition, the design of the classifications cannot be such that the only Non-Highly Compensated Employees benefiting under the Plan are those with the lowest compensation and/or the shortest periods of service and who may represent the minimum number of such employees necessary to satisfy coverage under Code Section 410(b).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(3)** Additional different vesting schedule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** The following vesting schedule applies to the class of Participants described in (e)(3)(B) and the contributions
described in (e)(3)(C) below:

---

| | |
|:---|:---|
| **Years of Vesting Service** | **Vested Interest** |
| 0 | 0 |
| 1 | 0 |
| 2 | 50 |
| 3 | 100 |

---

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1666260641AA** |

---

© 2020 FMR LLC

All rights reserved.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(B)** The vesting schedule specified in (e)(3)(A) above applies to the following class of Participants:

<u>Participants with assets in the ESOP Merger subaccount merged into this Plan from The ESOP of UMB on 04/02/2026</u> .

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(C)** The vesting schedule specified in (e)(3)(A) above applies to the following contributions:

<u>ESOP Merger</u>.

**Note:** The eligible group defined in (B) above must be a definitely determinable group and cannot be subject to the discretion of the Employer. In addition, the design of the classifications cannot be such that the only Non-Highly Compensated Employees benefiting under the Plan are those with the lowest compensation and/or the shortest periods of service and who may represent the minimum number of such employees necessary to satisfy coverage under Code Section 410(b).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(4)** Additional different vesting schedule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** The following vesting schedule applies to the class of Participants described in (e)(4)(B) and the contributions
described in (e)(4)(C) below:

---

| | |
|:---|:---|
| **Years of Vesting Service** | **Vested Interest** |
| 0 | 100 |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(B)** The vesting schedule specified in (e)(4)(A) above applies to the following class of Participants:

<u>Participants with assets in the described sources were 100% vested in these assets when the Plan converted to the Fidelity Basic Plan Document No. 17 and its Adoption Agreement on 10/03/2022 and those Participants will continue to be 100% vested in these assets within the described sources at all times</u>.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(C)** The vesting schedule specified in (e)(4)(A) above applies to the following contributions:

<u>Transfer from DB QJSA</u>.

<u>Employer Merged</u>.

<u>FSA Flex Dollars</u>.

<u>ESOP Diversification</u>.

---

| | |
|:---|:---|
| **Note:** | The eligible group defined in (B) above must be a definitely determinable group and cannot be subject to the discretion of the Employer. In addition, the design of the classifications cannot be such that the only Non-Highly Compensated Employees benefiting under the Plan are those with the lowest compensation and/or the shortest periods of service and who may represent the minimum number of such employees necessary to satisfy coverage under Code Section 410(b). |

---

**(f)**  ***The following replaces Subsection 1.17(a)(2):*** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** Additional service shall be credited as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(A)** After <u>10/03/2022</u> (fill in effective date of acquisition), service with a prior employer shall be
granted in the following situation(s) (describe the applicable group of employees, date from which service will

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1666260641AA** |

---

© 2020 FMR LLC

All rights reserved.

be granted and acquisition or other situation involving the Employer and the employees' prior employer):

<u>Employees who commence employment with the Employer or a Related Employer as the result of an acquisition or similar transaction, or whose employer becomes a Related Employer due to an acquisition or similar transaction, will be credited with service for eligibility and vesting purposes, unless determined otherwise by the Employer at the time of any acquisition, for service performed for the pre-acquisition employer (in the case of an asset purchase) or for the acquired Related Employer (in the case of a stock purchase) prior to the acquisition or similar transaction</u>.

---

| | |
|:---|:---|
| Pre-Approved Defined Contribution Plan – 06/30/2020 | PS Plan |
|  | **54696-1666260641AA** |

---

© 2020 FMR LLC

All rights reserved.

## Exhibit 5.1

**Exhibit 5.1**

---

| | |
|:---|:---|
| ![](image_001.jpg) | ![](image_002.jpg) |

---

Plan Description: Non-Standardized Pre-Approved Profit Sharing Plan With CODA<br> FFN: 317E1080017-001 Case: 201800482 EIN: 04-3532603<br> Letter Serial No: Q702438a<br> Date of Submission: 11/05/2018

FMR LLC<br> 245 SUMMER STREET<br> BOSTON, MA 02109 Contact Person:<br> Janell Hayes<br> Telephone Number:<br> 513-975-6319<br> In Reference To: TEGE:EP:7521<br> Date: 06/30/2020

Dear Applicant:

In our opinion, the form of the plan identified above is acceptable for use by employers for the benefit of their employees under Internal Revenue Code (IRC) Section 401.

We considered the changes in qualification requirements in the 2017 Cumulative List of Notice 2017-37, 2017-29 Internal Revenue Bulletin (IRS) 89, Our opinion relates only to the acceptability of the form of the plan under the IRC. We did not consider the effect of other federal or local statutes.

You must provide the following to each employer who adopts this plan:

• A copy of this letter

• A copy of the approved plan

• Copies of any subsequent amendments including their dates of adoption

• Direct contact information including address and telephone number of the plan provider

Our opinion on the acceptability of the plan's form is a determination as to the qualification of the plan as adopted by a particular employer only under the circumstances, and to the extent, described in Revenue Procedure (Rev. Proc.) 2017-41, 2017-291.R.B. 92. The employer who adopts this plan can generally rely on this letter to the extent described in Rev. Proc. 2017-41. Thus, Employee Plans Determinations, except as provided in Section 12 of Rev. Proc. 2020-4, 2020-01 LR.B. 148 (as updated annually), will not issue a determination letter to an employer who adopts this plan. Review Rev. Proc. 2020-4 to determine the eligibility of an adopting employer, and the items needed, to submit a determination letter application. The employer must also follow the terms of the plan in operation.

Except as provided below, our opinion doesn't apply to the requirements of IRC Sections 401(a)(4), 401(1), 410(b), and 414(s). Our opinion doesn't apply to IRC Sections 415 and 416 if an employer maintains or ever maintained another qualified plan for one or more employees covered by this plan. For this purpose, we will not consider the employer to have maintained another defined contribution plan provided both of the following are true:

• The employer terminated the other plan before the effective date of this plan

• No annual additions have been credited to any participant's account under the other plan as of any date within the limitation year of this plan

Also, for this purpose, we'll consider an employer as maintaining another defined contribution plan, if the employer maintains any of the following:

• A welfare benefit fund defined in IRC Section 419(e), which provides post-retirement medical benefits allocated to separate accounts for key employees as defined in IRC Section 419A(d}

• An individual medical account as defined in IRC Section 415(1)(2), which is part of a pension or annuity plan maintained by the employer

A simplified employee pension plan

FMR LLC<br> FFN: 317E1080017-001<br> Page: 2

Our opinion doesn't apply to Treasury Regulations Section 1.401(a)-1(b)(2) requirements for a money purchase plan or target benefit plan where the normal retirement age under the employer's plan is lower than age 62.

Our opinion doesn't constitute a determination that the plan is an IRC Section 414(d) governmental plan. This letter is not a ruling with respect to the tax treatment to be given contributions which are picked up by the governmental employing unit within the meaning of IRC Section 414(h)(2).

Our opinion doesn't constitute a determination that the plan is an IRC Section 414(e) church plan.

Our opinion may not be relied on by a non-electing church plan for rules governing pre-ERlSA participation and coverage.

Our opinion applies to the requirements of IRC Section 410(b) if 100 percent of all non-excludable employees benefit under the plan.

Employers who choose a safe harbor allocation formula and a safe harbor compensation definition may also rely on this opinion letter for the non-discriminatory amounts requirement under IRC Section 401(a)(4).

If this plan includes a cash or deferred arrangement (CODA) or otherwise provides for contributions subject to IRC Sections 401(k) and/or 401(m), the employer may rely on the opinion letter regarding the form of the non-discrimination tests of IRC Sections 401(k)(3) and 401(m)(2), if the employer uses a safe harbor compensation definition. For plans described in !RC Sections 401(k)(12) or (13) and/or 401(m)(11) or (12), employers may rely on the opinion letter regarding whether the plan's form satisfies the requirements of those sections unless the plan provides for the safe harbor contribution to be made under another plan. For SIMPLE plans described in IRC Sections 401(k)(11) and 401(m)(10), employers may also rely on the opinion letter regarding whether the plan's form satisfies the requirements of those sections.

The provisions of this plan override any conflicting provision contained in the trust or custodial account documents used with the plan, and an adopting employer may not rely on this letter to the extent that provisions of a trust or custodial account that are a separate portion of the plan override or conflict with the provisions of the plan document. This opinion letter does not cover any provisions in trust or custodial account documents.

An employer who adopts this plan may not rely on this letter when:

• the plan is being used to amend or restate a plan of the employer which was not previously qualified

• the employer's adoption of the plan precedes the issuance of the letter

• the employer doesn't correctly complete the adoption agreement or other elective provisions in the plan

• the plan is not identical to the pre-approved plan (that is, the employer has made amendments that cause the plan not to be considered identical to the pre-approved plan, as described in Section 8.03 of Rev. Proc. 2017-41)

Our opinion doesn't apply to what is contained in any documents referenced outside the plan or adoption agreement, if applicable, such as a collective bargaining agreement.

Our opinion doesn't consider issues under Title I of the Employee Retirement Income Security Act (ERISA) which are administered by the Department of Labor.

If you, the pre-approved plan provider, have questions about the status of this case, you can call the telephone number at the top of the first page of this letter. This number is only for the provider's use.

Individual participants or adopting eligible employers with questions about the plan should contact you.

You must include your address and telephone number on the pre-approved plan or the plan's adoption agreement, if applicable, so that adopting employers can contact you directly.

FMR LLC<br> FFN: 317E1080017-001<br> Page: 3

If you write to us about this plan, provide your telephone number and the best time to call if we need more information. Whether you call or write, refer to the letter serial number and file folder number at the top of the first page of this letter.

Let us know if you change or discontinue sponsorship of this plan.

Keep this letter for your records.

---

| |
|:---|
| Sincerely Yours, |
| /s/ Khin M. Chow |
| Khin M. Chow |
| Director, EP Rulings & Agreements |

---

**Letter 6186 (June-2020)<br> Catalog Number 72434C**

## Exhibit 23.1

**Exhibit 23.1**

KPMG LLP Suite 1100<br> 1000 Walnut Street<br> Kansas City, MO 64106-2162

**Consent of Independent Registered Public Accounting Firm**

We consent to the use of our reports dated February 26, 2026, with respect to the consolidated financial statements of UMB Financial Corporation, and the effectiveness of internal control over financial reporting, incorporated herein by reference.

/s/ KPMG LLP

Kansas City, Missouri<br> April 2, 2026

KPMG LLP, a Delaware limited liability partnership, and its subsidiaries are part of the KPMG global organization of independent member firms affiliated with KPMG International Limited, a private English company limited by guarantee.

## Ex-Filing

?xml version='1.0' encoding='ASCII'? Filing Fee Exhibit

**Ex-Filing Fees**

**CALCULATION OF FILING FEE TABLES**

**S-8**

**UMB FINANCIAL CORPORATION**

**Table 1: Newly Registered Securities**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Security Type** | **Security Class Title** | **Notes** | **Fee Calculation<br> Rule** | **Amount Registered** | **Proposed Maximum Offering<br> Price Per Unit** | **Maximum Aggregate Offering Price** | **Fee Rate** | **Amount of Registration Fee** |
| Equity | Common Stock, par value $1.00 per share | (1) | Other | 160000 | $109.91 | $17585600.00 | 0.0001381 | $2428.57 |
| Total Offering Amounts: | Total Offering Amounts: | Total Offering Amounts: | Total Offering Amounts: | Total Offering Amounts: | Total Offering Amounts: | $17585600.00 |  | 2428.57 |
| Total Fee Offsets: | Total Fee Offsets: | Total Fee Offsets: | Total Fee Offsets: | Total Fee Offsets: | Total Fee Offsets: |  |  |  |
| Net Fee Due: | Net Fee Due: | Net Fee Due: | Net Fee Due: | Net Fee Due: | Net Fee Due: |  |  | $2428.57 |

---

**__________________________________________ Offering Note(s)**

&nbsp;&nbsp;&nbsp;&nbsp;(1) This Registration Statement on Form S-8 (this "Registration Statement") covers shares of common stock, par value $1.00 per share ("UMB Common Shares"), of UMB Financial Corporation (the "Registrant") (i) that may be issued under the UMB Profit Sharing and 401(k) Savings Plan, as amended (the "Plan") and (ii) pursuant to Rule 416(a) under the Securities Act of 1933, as amended (the "Securities Act"), any additional UMB Common Shares that may become issuable under the Plan by reason of any share dividend, share split or other similar transaction. The Proposed Maximum Offering Price Per Unit is estimated solely for the purpose of calculating the registration fee pursuant to Rules 457(c) and 457(h) under the Securities Act on the basis of the average of the high and low sales prices reported for the UMB Common Shares on the NASDAQ Global Select Market on March 30, 2026. The Amount of Registration Fee is rounded up to the nearest penny.