UMB FINANCIAL CORP

On December 13, 2023, four foundations and trusts that are related interests of Chairman and Chief Executive Officer J. Mariner Kemper adopted a single, pre-arranged stock sale plan in accordance with Rule 10b5-1(c) (Rule 10b5-1) under the Exchange Act for the sale of shares of the Company’s common stock (the 2024 Plan). The 2024 Plan was entered into during an open trading window in accordance with the Company’s requirements regarding transactions in the Company’s securities and is intended to satisfy the affirmative defense conditions of Rule 10b5-1. The 2024 Plan provides for the monthly sale of an initial number of shares of the Company’s common stock once the market price of the Company’s common stock meets or exceeds certain minimum threshold prices as specified in the 2024 Plan. Should the market price of the Company’s shares meet or exceed secondary and tertiary pricing thresholds as specified in the 2024 Plan, up to double and triple the initial number of shares in the aggregate may be sold in that month, respectively. If no sales occur in a month, the initial number of shares may be carried forward for sale in the following month subject to the pricing thresholds. Sales under the 2024 Plan may occur beginning in March of 2024 (after conclusion of the applicable cooling off period following adoption of the 2024 Plan) and end no later than December 31, 2024. The aggregate number of shares of common stock of the Company that will be available for sale under the 2024 Plan will vary depending on the market price achieved but will not exceed a maximum of 399,000 shares in aggregate.