UMB FINANCIAL CORP

On September 13, 2024, three foundations and trusts that are related interests of Chairman and Chief Executive Officer J. Mariner Kemper adopted asingle, 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 “2025

Plan”). The 2025 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 2025 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 2025 Plan. Should the market price of the Company’s shares meet or exceed secondary and tertiary pricing thresholds as specified in the 2025 Plan, up to double and triple the initial number of shares in the aggregate may be sold in that month, respectively. Sales under the 2025 Plan may occur beginning in January of 2025 (after conclusion of the applicable cooling off period following adoption of the 2025 Plan) and end no later than December 31, 2025. The aggregate number of shares of common stock of the Company that will be available for sale under the 2025 Plan will vary depending on the market price achieved but will not exceed a maximum of 105,024 shares in aggregate.