Umbrella Mitigation Banking Programs (UMBP) are one of several practicable options available to applicants to compensate for unavoidable impacts to waters of the United States that are associated with permits issued under the authority of Sections 404 and 401 of the Clean Water Act and Section 10 of the Rivers and Harbors Act of 1899. The accompanying WFI-B UMBP prospectus outlines the circumstances and manner in which this program will provide a compensatory mitigation option to permit applicants under the Corps of Engineer’s permit program. The use of the WFI-B UMBP to compensate for unavoidable impacts to aquatic resources is a decision of the Corps of Engineers and there is no guarantee that any individual or general permit will be granted authorization because of proposed use of this UMBP. Therefore, the Sponsor is seeking approval of the WFI-B UMBP from the Inter-Agency Review Team (IRT), which is composed of representatives from the U.S. Army Corps of Engineers (USACE), Missouri Department of Natural Resources, Missouri Department of Conservation, the U.S. Environmental Protection Agency, and U.S. Fish and Wildlife Service.