 UMB Financial Corporation NASDAQ:UMBF Q2 2022 Earnings Conference Call July 27, 2022 10:30 AM ET Company Participants Kay Gregory - Director of IR and Senior VP Mariner Kemper - President and CEO Ram Shankar - CFO Jim Rine - CEO of UMB Bank Tom Terry - Chief Credit Officer Conference Call Participants Timur Braziler - Wells Fargo Nathan Race - Piper Sandler Nick Moutafakis - KBW John Rodis - Janney Operator Good morning, and thank you for attending todays UMB Financial Second Quarter 2022 Conference Call. My name is Daniel and I will be your moderator for todays call. 