BenSoft Partners with First Data Corporation and
 UMB Healthcare Services to Extend CDH Industry-Leading
 Debit Card Technology

RepayMe® Offers Dynamic Real-Time Claims Payment Platform 
for FSA, HRA, HSA, and Transportation Plans

SAN DIEGO - January, 18 2007 - BenSoft, Inc., the pioneer of web-based consumer driven healthcare (CDH) administration software has signed agreements with First Data Healthcare Services, part of First Data Corp. (NYSE: FDC), a leading provider of electronic commerce and payment solutions, and UMB Healthcare Services, a division of UMB Financial Corporation (NASDAQ: UMBF), a leader in financial services for consumer-directed healthcare products. UMB's debit card and First Data's transaction processing service will be integrated in real-time to the RepayMe® platform, empowering administrators to manage today's complicated benefit plans, with an automated and comprehensive consumer driven healthcare solution. First Data provides a complete end-to-end healthcare card services solution beginning with card personalization and fulfillment through settlement and substantiation all through one company. 

"The consumer driven healthcare movement requires that our clients differentiate themselves with the most flexible and comprehensive administrative technology," said Tom Horan, BenSoft's chief executive officer. "Integrating First Data's robust healthcare processing capabilities, including real-time pharmacy benefit management, recurring payment processing and over-the-counter substantiation, into RepayMe provides industry leading auto-substantiation rates, reduces administrative costs, and increases revenue opportunities.  Integrating UMB's Healthcare Services Platform into RepayMe provides participants a single payment card plus online access to their CDH accounts." 

BenSoft's RepayMe Software-as-a-Service benefits administration technology provides Third Party Administrators (TPAs) and self-administrating employers with a market leading, cost-effective administration solution for Flexible Spending Accounts (FSA), Health Reimbursement Arrangements (HRA), Health Savings Accounts (HSA) and Section 132 Transportation & Parking Accounts. RepayMe's integration with First Data provides easy, fast and reliable access to reimbursement plan funds on a single RepayMe Visa Payment Card.

"First Data continues to execute on its vision of bringing the right information to administrators, employers, providers, and participants through our integration with RepayMe's innovative platform," said Robyn Bartlett-Andersen, general manager, First Data Healthcare Services. "Our work in streamlining operations and reducing administrative costs in creating a more positive point-of-care experience for plan participants has propelled First Data to one of the largest processors of healthcare payment cards."

UMB Healthcare Services will work with First Data to support debit card access, Heath Savings Accounts (HSAs), investment programs, and transaction processing. UMB Healthcare Services has a solid and proven history offering healthcare accounts and flexible spending cards.

"UMB is pleased to play an integral role in this innovative health payments initiative and to partner with two of the healthcare industry leaders in BenSoft and First Data," said Dennis Triplett, president of UMB Healthcare Services. 

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

About BenSoft, Inc.
BenSoft is the pioneer of web-based benefits administration technology for the administration of consumer driven healthcare (CDH) and Section 132 reimbursement accounts. RepayMe was the first and leading Software-as-a-Service (SaaS) solution designed specifically for Third Party Administrators (TPAs), health plans and self-administrating employers seeking a cost-effective FSA / HRA / HSA / S132 administration solution. RepayMe provides a flexible and comprehensive system to meet today's complicated healthcare plan designs, including integrated real-time debit card options and an automated Business Processing Outsource (BPO) option for management of FSA / HRA / HSA / s132 and other Consumer Driven Healthcare (CDH) plans. Over 2,000 employers benefit plans are administered using RepayMe. More information available at www.repayme.com. 

About First Data Healthcare Services
First Data Healthcare Services provides end-to-end payment solutions that streamline the healthcare experience for patients, providers, and payers. The company pioneered a multi-use healthcare card that provides access to HSA, HRA, FSA, and other funding sources, including an integrated line of credit. First Data Healthcare Services is one of the largest processors of healthcare payment cards.

About First Data
First Data Corp. (NYSE: FDC) is a leading provider of electronic commerce and payment solutions for businesses worldwide. Serving 4.6 million merchant locations, 1,900 card issuers and their customers, 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 merchant transaction processing services; credit, debit, private-label, gift, payroll and other prepaid card offerings; fraud protection and authentication solutions; electronic check acceptance services through TeleCheck; as well as Internet commerce and mobile payment solutions. The company's STAR Network offers PIN-secured debit acceptance at 2 million ATM and retail locations. For more information, visit www.firstdata.com.

About UMB Financial Corporation
UMB Financial Corporation (NASDQ: UMBF) is a multi-bank holding company headquartered in Kansas City, Mo., offering complete banking, asset management 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. For more information, visit www.umb.com.

###

BenSoft and RepayMe are registered trademarks of BenSoft, Inc. Other company and product names may be trademarks of their respective owners.