EXHIBIT "99.3"
JOINT FILING AGREEMENT
THIS JOINT FILING AGREEMENT, dated September 20, 1995 is
entered into by and among Xxxxxxxxx Financial Corporation, a
Missouri corporation ("DFC"), Xxxxxxxxxx Life Insurance
Company, an Arizona corporation ("LLIC"), DFC Acquisition
Corporation Two, a Missouri corporation ("Acquisition") and
Xxxx Xxxxxxxxx, a Missouri resident ("Xxxxxxxxx").
WHEREAS, DFC, as a result of acquiring options to acquire
common stock of UMB Financial Corporation, is required to file
a report of beneficial ownership with the Securities Exchange
Commission on Schedule 13D.
WHEREAS, LLIC, Acquisition, and Xxxxxxxxx, as a result of
being deemed a beneficial owner of the same shares, are also
required to file a statement on Schedule 13D with respect to
the same securities.
NOW, THEREFORE, in consideration of the mutual promises
set forth herein, the parties agree that they will jointly file
one statement containing the information required by Schedule
13D with the Securities and Exchange Commission.
IN WITNESS WHEREOF, the parties have caused this Agreement
to be duly executed as of date first written above.
XXXXXXXXX FINANCIAL CORPORATION
By: /s/ XXXX X. XXXXXXXX
Xxxx X. Xxxxxxxx
President and General Counsel
XXXXXXXXXX LIFE INSURANCE
COMPANY
By: /s/ XXXX XXXXXXXXX
Xxxx Xxxxxxxxx
President
DFC ACQUISITION CORPORATION TWO
By: /s/ XXXX X. XXXXXXXX
Xxxx X. Xxxxxxxx
President
/s/ XXXX XXXXXXXXX
XXXX XXXXXXXXX
