X0609 4 2026-08-03 0000101382 UMB FINANCIAL CORP UMBF 0001229109 KEMPER J MARINER false 1010 GRAND BLVD. KANSAS CITY MO 64106 1 1 Chairman and CEO 0 Common Stock 2026-08-03 4 G 0 9761 0 A 9761 I By Trust - RC Kemper Irr Dynasty for John Mariner Kemper Common Stock 2026-08-03 4 S 0 4200 147.27 D 5561 I By Trust - RC Kemper Irr Dynasty for John Mariner Kemper Common Stock 328710.2177 D Common Stock 1020.29 I By Daughter - Custodial Brokerage Account Common Stock 2352.3 I By Esop Common Stock 1024.082 I By Son - Custodial Brokerage Account Common Stock 1314.921 I By Trust - J. Mariner Kemper Trust Common Stock 21460 I By Trust - TUW RC Kemper For John Mariner Common Stock 12558 I By Trust: Mary S Hunt Trust Common Stock 8216.735 I By Trust: Megan Kemper Trust Common Stock 288945 I Held by Kemper Realty Common Stock 392029 I Held by Pioneer Service Corporation Common Stock 1506200 I By Trust - RC Kemper Irrevocable Trust The price reported in this column is a weighted average price. These shares were sold in multiple transactions at prices ranging from 147.23 to 147.31, inclusive. The reporting person undertakes to provide to the issuer, any security holder of the issuer, or the staff of the Securities and Exchange Commission, upon request, additional information regarding the number of shares sold at each separate price within the ranges set forth in this footnote to this Form 4. /s/ Jason Bartel, attorney-in-fact for Mr. Kemper 2026-08-04