Lighthouse1 Teams With First Data and UMB Healthcare Services to
Launch Innovative Health Payments Program

Robust Real-Time Health Claims Payment System Will Empower Administrators, Employers and Consumers in the Healthcare Marketplace

MINNEAPOLIS, September 6,  2006 – Lighthouse1, a leading provider of consumer driven healthcare (CDH) administration software solutions, announced today it has signed an agreement with First Data Healthcare Services, part of First Data Corp. (NYSE: FDC), a leading provider of electronic commerce and payment solutions. First Data will deliver a debit card and robust transaction processing services for subscribers using Lighthouse1’s healthcare programs.

First Data will provide healthcare card services, including a state-of-the-art transaction card processing solution that offers a convenient and secure vehicle for members to access their fund contributions at the point of care.  UMB Healthcare Services, division of UMB Financial Corporation (NASDAQ: UMBF) will work with First Data to support debit card access, investment programs and transaction processing.

“After seeing the power of First Data’s payment systems, we knew that once integrated into Lighthouse1 OnDemand™, our clients could provide the most flexible, competitive benefit programs in the market,” said Jeff Fritz, chief executive officer and president of Lighthouse1.  “Additionally, First Data’s experience with processing for UMB provides our clients with the ability to select a program that meets their goals.”

Lighthouse1 OnDemand™ delivers automated management of employer benefits plans such as Flexible Spending Accounts (FSA), Health Reimbursement Arrangements (HRA) and Health Savings Accounts (HSA).  The debit cards processed with First Data provide for industry leading auto-substantiation rates, including real-time pharmacy benefit management, co-pay and over-the-counter substantiation, saving healthcare administrative costs by reducing the need for paperwork.

“With the continued rise in consumer-centric healthcare, benefit administrators are looking for solutions that allow patients and providers real-time access to more information at the point of care,” said Beverly Kennedy, president, First Data Healthcare Services. “With the single swipe of a card, First Data provides access to hundreds of healthcare plan designs managed on Lighthouse1 OnDemand™.”

UMB Healthcare Services has a long history in healthcare offering healthcare accounts and flexible spending cards. 

“UMB is pleased to play an integral role in this innovative health payments program,” said Dennis Triplett, president of UMB Healthcare Services."  Lighthouse1 and First Data are leaders in the healthcare industry and we’re happy to partner with such progressive companies that are focused on providing solutions for the industry’s healthcare benefit administrators.” 

The long-term agreement is effective immediately. Terms of the agreement were not disclosed.

About Lighthouse1
Lighthouse1 delivers consumer driven healthcare (CDH) administration software solutions including Lighthouse1 OnDemand™, the high performance Software as a Service (SaaS) solution, to resolve challenges in the administration of Section 125, 105, 132 and other pre-tax spending programs in the healthcare and employee benefits industry. Its mission is to use the latest technology and services to assist and support CDH administrators in the management of health care account services. Lighthouse1 OnDemand™ allows third-party administrators and healthcare providers to manage services for employer plans that include Flexible Spending Accounts (Medical and Dependent Care), Transit and Parking, Health Reimbursement Arrangements and Health Saving Accounts. More information is available at www.lighthouse1.com.

About First Data
First Data Healthcare Services offers a multi-purpose card that provides access to HSA, HRA, and FSA accounts and line of credit, along with eligibility, benefit, and claims data, through a powerful point-of-care network.  First Data Corp. (NYSE: FDC) is a leading provider of electronic commerce and payment solutions for businesses and consumers worldwide. Serving 4.6 million merchant locations, 1,700 card issuers and millions of consumers, First Data powers the global economy by making it easy, fast and secure for people and businesses around the world to buy goods and services using virtually any form of payment. The company's portfolio of services and solutions includes credit, debit, private-label, gift and other prepaid card issuing and merchant transaction processing services; money transfer services; money orders; fraud protection and authentication solutions; check guarantee and verification services through TeleCheck; as well as Internet commerce and mobile solutions. Western Union, together with its affiliates Orlandi Valuta and Vigo, are leaders in global money transfer, providing people with fast, reliable and convenient ways to send money around the world, pay bills and purchase money orders through a network of over 270,000 agent locations in more than 200 countries and territories. The company's STAR Network offers PIN-secured debit acceptance at 1.9 million ATM and retail locations. For more information, visit www.firstdata.com.

About UMB
UMB Financial Corporation (NASDQ: UMBF) is a multi-bank holding company headquartered in Kansas City, Mo., offering complete banking and related financial services to both individual and business customers nationwide. Its banking subsidiaries own and operate 140 banking centers throughout Missouri, Illinois, Colorado, Kansas, Oklahoma, Nebraska and Arizona. Subsidiaries of the holding company and the lead bank, UMB Bank, n.a., include an investment services group based in Milwaukee, Wisconsin, a trust management company in South Dakota, and single-purpose companies that deal with brokerage services, consulting services and insurance. UMB was named one of Business Week's "Web Smart 50" companies in 2005.

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