U.S.

Bank

https://www.usbank.com/dam/documents/pdf/IS-Bondholder-
information-v3.pdf

The indenture trustee for Verizon Communications Inc. is U.S. Bank National Association. U.S. Bank is a
large banking corporation headquartered in Minneapolis, Minnesota. It is the fifth-largest bank in the
United States by assets.

U.S. Bank has been the indenture trustee for Verizon Communications Inc. since 2000. The indenture
trustee is responsible for overseeing the terms of the indenture, which is a legal document that governs
the issuance and repayment of Verizon's debt securities. The indenture trustee also has the power to
take action if Verizon defaults on its debt obligations.

Here are some of the responsibilities of the indenture trustee:

• Overseeing the terms of the indenture

• Ensuring that Verizon complies with the terms of the indenture

• Taking action if Verizon defaults on its debt obligations

• Paying interest and principal on Verizon's debt securities

• Maintaining records of Verizon's debt securities

U.S. Bank is a reputable and experienced financial institution that is well-qualified to serve as the
indenture trustee for Verizon Communications Inc.

The indentured trustee for Discover credit cards is U.S. Bank National Association. U.S. Bank is a large
national bank headquartered in Minneapolis, Minnesota. It is the fifth largest bank in the United States
by assets. U.S. Bank has been serving as the indentured trustee for Discover credit cards since 2007

Northern Trust Corporation SEC report

William A. Osborn
Chairman of the Board,
Chief Executive Officer and President
Fifty South La Salle Street

Chicago, Illinois
36-2723087

(I.R.S. Employer Identification No.)

Fifty South La Salle Street

Chicago, Illinois

Northern Trust Fiduciary Services (Ireland) Limited Georges Court 54-62 Townsend Street Dublin 2, D02
R156 Ireland

Directory Registered Office Georges Court 54-62 Townsend Street Dublin 2, D02 R156 Ireland Depositary
Northern Trust Fiduciary Services (Ireland) Limited Georges Court 54-62 Townsend Street Dublin 2, D02
R156 Ireland Independent Auditor KPMG Chartered Accountants, Statutory Audit Firm 1 Harbourmaster
Place International Financial Services Centre Dublin 1, D01 F6F5 Ireland Legal Advisers in Ireland Maples
and Calder 75 St. Stephen’s Green Dublin 2, D02 PR50 Ireland Secretary Northern Trust International
Fund Administration Services (Ireland) Limited Georges Court 54-62 Townsend Street Dublin 2, D02 R156
Ireland Manager Northern Trust Fund Managers (Ireland) Limited Georges Court 54-62 Townsend Street
Dublin 2, D02 R156 Ireland Directors of the Company Ms Claire Cawley* Irish Resident (Chairperson) Mr
Ton Daniels* Dutch Resident Ms Marie Dzanis** UK Resident Ms Martha Fee** UK Resident Mr Bimal
Shah** UK Resident Mr Feargal Dempsey* Irish Resident Mr Cian Farrell** Irish Resident Mr Alan
Keating** Irish Resident *Independent Non-Executive Directors **Non-Executive Directors Administrator
Northern Trust International Fund Administration Services (Ireland) Limited Georges Court 54-62
Townsend Street Dublin 2, D02 R156 Ireland Investment Adviser Northern Trust Global Investments
Limited 50 Bank Street Canary Wharf London, E14 5NT United Kingdom

ntgf-annual-report-and-accounts.pdf (northerntrust.com)

https://www.sec.gov/Archives/edgar/data/73124/000119312504040148/d10k.htm

https://last10k.com/sec-filings/ntrs#i6aeb64e05b394825b56f87de7e2714c5_268
https://www.sec.gov/Archives/edgar/data/73124/000007312423000049/ntrs-20221231.htm

https://www.sec.gov/Archives/edgar/data/73124/000007312423000049/ntrs-20221231.htm

The indentured trustee for MRV Banks is U.S. Bank National Association. U.S. Bank is a large, well-
respected bank with a long history of providing reliable service. The company is a member of the Federal
Deposit Insurance Corporation (FDIC), which means that your investment is insured up to $250,000.

As indentured trustee, U.S. Bank is responsible for overseeing the terms of MRV Banks' debt securities
and ensuring that the bank complies with its obligations. If MRV Banks defaults on its obligations, U.S.
Bank is responsible for taking steps to protect the interests of the holders of the debt securities.

https://www.northerntrust.com/documents/funds/prospectus/institutional/
prospectus_2099991_sai.pdf

2022 10-K (northerntrust.com)

BnyMellon

The indentured trustee for Synchrony Financial is The Bank of New

York Mellon. The trustee is responsible for overseeing the issuance and
administration of Synchrony's debt securities. This includes tasks such
as: Ensuring that the securities are issued in accordance with the terms
of the indenture. Holding the securities in trust for the benefit of the
holders.
Paying interest and principal on the securities when due. Taking action
to enforce the terms of the indenture if the issuer defaults. The trustee
is a neutral party that is not affiliated with Synchrony Financial. This
ensures that the holders of Synchrony's debt securities have their
interests protected.
Here are some additional details about The Bank of New York Mellon:
It is a global financial institution that is headquartered in New York City.
It is one of the largest banks in the world, with over $3.5 trillion in
assets.
It is a trustee for a wide variety of debt securities, including those
issued by corporations, governments, and other financial institutions.
The indentured trustee for American Express is The Bank of New York
Mellon. This means that The Bank of New York Mellon is responsible for overseeing the issuance and
administration of American Express's debt securities. The trustee's duties include:
• Holding the securities in trust for the benefit of the holders
• Ensuring that the terms of the securities are met
• Paying interest and principal on the securities
• Calling the securities for redemption
• Approving any amendments to the terms of the securities
“Sprint Communications, Inc. Indenture” means that certain Senior Notes Indenture, dated as of November
20, 2006, between Sprint Communications, Inc. (formerly known as Sprint Nextel Corporation) and The Bank of
New York Trust Company, N.A., as trustee, as supplemented by the Seventh Supplemental Indenture, dated as of
November 20, 2012, among Sprint Communications, Inc. (formerly known as Sprint Nextel Corporation), the
subsidiary guarantors party thereto and The Bank of New York Trust Company, N.A., as trustee, the Eighth
Supplemental Indenture, dated as of September 11, 2013, among Sprint Corporation, Sprint Communications, Inc.
(formerly known as Sprint Nextel Corporation) and The Bank of New York Trust Company, N.A., as trustee, and
the Thirteenth Supplemental Indenture, dated as of May 14, 2018, among Sprint Communications, Inc. (formerly
known as Sprint Nextel Corporation) and The Bank of New York Mellon Trust Company, N.A., as trustee.

The trustee is also responsible for representing the holders of the securities in any legal proceedings that
may arise.
The information about the indentured trustee for American Express can be found in the company's SEC
filings. Here is a link to one of the SEC filings that confirms The Bank of New York Mellon as the
indentured trustee:
https://www.sec.gov/Archives/edgar/data/4962/000104746918001525/a2234410zex-25_b.htm

Wells Fargo 10K

https://www08.wellsfargomedia.com/assets/pdf/about/investor-relations/sec-filings/2022/10k.pdf

https://www.sec.gov/Archives/edgar/data/1770373/000119312520311748/d24796dex991.htm

https://www.sec.gov/Archives/edgar/data/1770373/000119312520311748/d24796dex992.htm

https://www.wellsfargo.com/cib/regulatory/securities-tax-forms/

The indentured trustee for Vervent, Inc. is Wells Fargo Bank, National Association. This means that Wells
Fargo Bank is responsible for overseeing the company's bond issuances and ensuring that the company
meets its obligations to bondholders.

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Wells Fargo Bank is a large and well-respected financial institution with a long history of providing
trustee services. The company has a deep understanding of the bond market and the laws and
regulations that govern it. This makes Wells Fargo Bank a qualified and experienced trustee for Vervent,
Inc.
The duties of an indentured trustee include:
Receiving and distributing interest payments to bondholders
Making sure that the company makes all required principal payments on the bonds
Ensuring that the company maintains adequate financial reserves
Taking action against the company if it fails to comply with the terms of the indenture
Wells Fargo Bank is responsible for overseeing all of Vervent, Inc.'s bond issuances. This includes
reviewing the company's financial statements, ensuring that the company complies with the terms of
the indenture, and taking action if the company fails to meet its obligations.

The indentured trustee plays an important role in protecting the interests of bondholders. By ensuring
that the company complies with the terms of the indenture, the trustee helps to ensure that
bondholders receive the payments they are entitled to.
Above are some links to the SEC filings that list Wells Fargo Bank as the indentured trustee for Vervent,
Inc.:

Wells Fargo is committed to protecting the interests of the holders of the securities.

If you are an issuer or investor in debt securities, you should consider using Wells Fargo as your
indentured trustee. Wells Fargo's experience, expertise, and commitment to quality service make it an
ideal partner for you.

Here are some of the securities that Wells Fargo has served as an indentured trustee for:

• The Walt Disney Company's $3 billion senior unsecured notes due 2025

• The City of New York's $1 billion general obligation bonds due 2035

• The Bank of America's $500 million asset-backed securities transaction

Computershare Trust Company, N.A.

Attn: Corporate Trust Operations
P.O. Box 1517
Minneapolis, MN 55415

The maturity date is printed on the face of each bond and on each interest check you receive. Bonds do
not earn interest after the maturity or call date. You may submit the bond for payment no more than
thirty (30) days prior to the payment date. If the bond has matured or is called, Corporate Trust
Operations requires the following for payment:

 If the bond is held in certificate form, you must submit the bond certificate(s) for redemption. We
recommend you use a traceable delivery method and insure the package for 2% of the current
market value of the bond.

 A W-9 (PDF) form or a W-8 BEN (PDF) form is required. A W-9 form is used to certify the social
security number (SSN) or tax identification number (TIN) of a bondholder who is a United States
citizen. Failure to certify SSN or TIN may subject the holder to federal tax withholding. A W8-BEN
form is used to certify the foreign status of a bondholder who is a non-U.S. citizen. Failure to certify
status may subject the holder to NRA tax withholding.
 Payments will be made according to the instructions on file. If the payment is being made to
someone other than the registered holder, there may be additional requirements. Please call a
customer service representative at 1-800-344-5128 for more information.

First American Financial Corporation

https://www.sec.gov/Archives/edgar/data/1472787/000119312513084593/d447646d10k.htm

First American Trust Company NA

First American Trust Company NA is a wholly owned subsidiary of First American Financial Corporation,
which is a public company. First American Financial Corporation files a Form 10-K with the SEC, and this
includes information about First American Trust Company NA.

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is First American Trust Company NA itself. This is because First American Trust Company NA is a federally
chartered savings bank and a member of the Federal Deposit Insurance Corporation (FDIC). As such, it is
required to act as its own trustee.

This arrangement has several advantages. First, it eliminates the need to appoint a third-party trustee,
which can save time and money. Second, it ensures that the interests of the bank's depositors are
protected. Third, it allows the bank to have more control over its affairs.

There are also some potential disadvantages to this arrangement. For example, if the bank were to
become insolvent, it would be difficult to find a third-party trustee who would be willing to take on the
responsibility of managing the bank's assets. Additionally, if the bank were to be acquired by another
institution, the new owner might not be willing to continue the arrangement.

Overall, the decision of whether or not to act as its own trustee is a complex one that should be made on
a case-by-case basis. However, for First American Trust Company NA, the advantages of acting as its own
trustee outweigh the disadvantages.

BOK Financial is an indentured trustee for a variety of debt securities

including corporate bonds, municipal bonds, and asset-backed securities. As an indentured trustee, BOK
Financial is responsible for overseeing the terms of the securities and ensuring that the issuer complies
with its obligations. This includes collecting interest and principal payments, distributing payments to the
holders of the securities, and enforcing the terms of the securities in the event of a default.
BOK Financial has a long history of serving as an indentured trustee. The company has been involved in
the issuance of over $1 trillion in debt securities. BOK Financial's experience and expertise in this area
make it a trusted partner for issuers and investors.
Here are some of the benefits of using BOK Financial as an indentured trustee:
• BOK Financial is a well-established and reputable financial institution.
• BOK Financial has a long history of serving as an indentured trustee.
• BOK Financial has a team of experienced professionals who are dedicated to providing quality service.
• BOK Financial is committed to protecting the interests of the holders of the securities.
If you are an issuer or investor in debt securities, you should consider using BOK Financial as your
indentured trustee. BOK Financial's experience, expertise, and commitment to quality service make it an
ideal partner for you.
Here are some of the services that BOK Financial provides as an indentured trustee:
• Monitoring the issuer's compliance with the terms of the indenture
• Collecting interest and principal payments
• Distributing payments to the holders of the securities
• Enforcing the terms of the securities in the event of a default
• Providing administrative services to the issuer and the holders of the securities
If you have any questions about BOK Financial's services as an indentured trustee, please contact the
company's Corporate Trust Services department.
Here are some of the securities that BOK Financial has served as an indentured trustee for:
• The Bank of Oklahoma's $1.5 billion senior unsecured notes due 2025
• The City of Tulsa's $100 million general obligation bonds due 2035
• The Bank of America's $500 million asset-backed securities transaction
BOK Financial is a well-respected and experienced indentured trustee. The company's services are used
by a wide range of issuers and investors. If you are considering issuing or investing in debt securities, you
should consider using BOK Financial as your indentured trustee.

CEO and CFO?

Deutsche Bank Trust Company Americas

Sec
https://www.sec.gov/Archives/edgar/data/1159508/000115950820000012/db2020032020f.htm

that’s all I could find right now…

T mobile US
This means that Deutsche Bank Trust Company Americas is responsible for overseeing the issuance and
administration of T-Mobile US's debt securities. The trustee's duties include:
• Holding the securities in trust for the benefit of the holders
• Ensuring that the terms of the securities are met
• Paying interest and principal on the securities
• Calling the securities for redemption
• Approving any amendments to the terms of the securities
The trustee is also responsible for representing the holders of the securities in any legal proceedings that
may arise.
The information about the indentured trustee for T-Mobile US can be found in the company's SEC filings.
Here is a link to one of the SEC filings that confirms Deutsche Bank Trust Company Americas as the
indentured trustee: https://www.sec.gov/Archives/edgar/data/1283699/000114036120008648/
nc10010559x2_ex4-1.htm

The Form 10-K for JPMorgan Chase Bank, National Association can be found here:
https://www.sec.gov/Archives/edgar/data/19617/000095012303002985/y83354e10vk.htm

Chase bank is JC Morgan, Chase Bank as indentured trustee

UMB Bank, National Association

10 k https://d18rn0p25nwr6d.cloudfront.net/CIK-0000101382/1b4d5b1b-6f9e-4cf0-a42f-
75f4216d9eb3.pdf

is the indentured trustee for a variety of debt securities issued by companies and organizations. This
means that UMB Bank is responsible for overseeing the terms of the debt securities and ensuring that
the issuer complies with its obligations. If the issuer defaults on its obligations, UMB Bank is responsible
for taking steps to protect the interests of the holders of the debt securities.
Here are some of the companies and organizations that use UMB Bank as their indentured trustee:
• The Bank of Missouri
• Summit Financial Group, Inc.
• MidWestOne Financial Group, Inc.
• Pinnacle Bank
• First Mid Bank & Trust
• BOK Financial Corporation
• CUNA Mutual Group
• Principal Financial Group
• TIAA
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UMB FINANCIAL CORPORATION
1010 Grand Boulevard, Kansas City, Missouri
43-0903811 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification
No.) 1010 Grand Boulevard, Kansas City, Missouri 64106 (Address of principal executive offices) (Zip
Code)
UMB FINANCIAL CORPORATION By /s/ J. Mariner Kemper Date February 23, 2023 J. Mariner Kemper
Chairman of the Board POWER OF ATTORNEY Each person whose signature appears below hereby
constitutes and appoints J. Mariner Kemper and Ram Shankar his true and lawful attorneys-in-fact and
agents, each acting alone, with full power of substitution and resubstitution, for and in his name, place
and stead, in any and all capacities, to file this report the same, with all exhibits thereto, and other
documents in connection therewith, with the Securities and Exchange Commission, granting unto such
attorneys-in-fact and agents, each acting alone, full power and authority to do and perform each and
every act and thing required and necessary to be done in and about the premises, as fully to all intents
and purposes as he might or could do in person, hereby ratifying and confirming all that such attorneys-
in-fact and agents, each acting alone, or his substitute or substitutes, may lawfully do or cause to be
done by virtue hereof. Pursuant to the requirements of the Securities Exchange Act of 1934, this report
has been signed below by the following persons on behalf of the registrant in the capacities and on the
dates indicated. Signature and Name Capacity Date /s/ Robin C. Beery Director 1/24/2023 Robin C. Beery
/s/ Janine A. Davidson Director 1/24/2023 Janine A. Davidson /s/ Kevin C. Gallagher Director 1/24/2023
Kevin C. Gallagher

The SEC 10-K report for Bank of Missouri is available on the SEC's EDGAR database. The report can be
found here: https://www.sec.gov/Archives/edgar/data/22356/000095010901500205/d10k.htm

The 10-K report is a comprehensive report that provides information about the company's financial
performance, business operations, and risk factors. The report includes information about the company's
assets, liabilities, income, expenses, and cash flow. It also includes information about the company's
management, employees, and customers.
The 10-K report is a valuable resource for investors who are interested in learning more about Bank of
Missouri. The report provides information that can help investors to make informed investment
decisions.
Here are some of the key things that you can find in Bank of Missouri's SEC 10-K report:
 The company's financial performance, including its revenue, expenses, and profit margins.
 The company's business operations, including its products and services, its target markets, and
its competitive landscape.
 The company's risk factors, including its exposure to economic conditions, interest rate changes,
and regulatory changes.
 The company's management team, including its executive officers and directors.
 The company's shareholders, including its largest shareholders and the number of shares
outstanding.
Aspire Credit Card.
If you are interested in learning more about Bank of Missouri, I recommend that you read the company's
SEC 10-K report. The report is a valuable resource that can help you to make informed investment
decisions. S / J. DANIEL STINNETT on sec report

Missouri 43-0889454

(State of Incorporation) (IRS Employer Identification No.)

Commerce Bancshares, Inc.

(Exact name of registrant as specified in its charter)
1000 Walnut, Kansas City, MO 64106
(Address of principal executive offices and Zip Code)
Investor Relations Contact
Mr. Matthew Burkemper
(314) 746-7485
(800) 892-7100 ext. 17485
CBSHInvestorRelations@commercebank.com sends to holding company