1. Sonic Corporation Retirement Plan Solutions Presented by UMB Bank, n.a. August 16, 2001

2. Agenda çUMB Bank çCustomer Relations çPlan Services çEducation çDaily Processing çInvestments çConversion çFees UMB Bank’s Comprehensive Retirement Plans

3. Locations UMB Banking Centers (Retirement Planning Services offered nationwide)

4. Customer Relations Team Approach çTwo points of contact Personal Attention çPeriodic on-site visits çAccessible Client Support

5. On-site enrollment meetings çCustom designed çExplain plan features çHow to Achieve your Retirement Dreams çBasics of Planning and Investing çChanges to your Plan çOnline Retirement Planning Education

6. Investments

7. Risk Chart - Sonic Corp. Higher Potential for Reward Higher Risk Sonic Corporation Stock UMB Scout WorldWide Fund Managers Special Equity Fund MFS Mid-Cap Growth A Federated Mid-Cap Fidelity Advisor Equity Growth T Federated Stock Trust Federated Max-Cap Inst’l Svc MFS Total Return Fund A Federated Intermediate Income Inst’l Svc. American Century GNMA Adv. UMB Scout Money Market - Prime

8. Money Market - UMB Scout Money Market Prime Government Bond - American Century GNMA Corporate Bond (Intermediate) - Federated Intermediate Income Institutional Service Starters Proposed Fund Menu

9. Category Proposed Fund Menu Balanced - MFS Total Return Fund A

10. Category Proposed Fund Menu Large Cap Stock (Index) - Federated Max-Cap Large Cap Stock (Value) - Federated Stock Trust Large Cap Stock (Growth) - Fidelity Advisor Equity Growth T Mid Cap Stock (Blend) - Federated Mid Cap Mid Cap Stock (Growth) - MFS Mid Cap Growth A

11. Proposed Fund Menu Small Cap Stock (Growth) - Managers Special Equity Fund Foreign Stock - UMB Scout WorldWide Common Stock - Sonic Corporation Stock

12. Investment Consulting Group çChoice çMultiple fund families çQuality ç“Best of breed” çService çOngoing evaluation and monitoring

13. Why UMB Bank? çCommitment to employee benefits çInvestment consulting çComprehensive service-based program

14. Legacy of Creating Solutions çFirst organization to offer Individually Directed Accounts çFirst bank to establish a family of no-load managed mutual funds çFirst bank to successfully conduct a test of Y2k ready deposit transaction system çeScout - business to business Internet solutions for small companies

15. UMB Bank and Sonic Corp. We can help you grow

16. Questions??