X0508 4 2023-11-16 0000101382 UMB FINANCIAL CORP UMBF 0001757634 Wendel Abigail M 1010 GRAND BLVD. KANSAS CITY MO 64106 1 President - Consumer Banking 0 Common Stock 2023-11-16 4 M 0 530 57.40 A 14518.1629 D Common Stock 2023-11-16 4 M 0 793 51.42 A 15311.1629 D Common Stock 2023-11-16 4 S 0 152 72.36 D 15159.1629 D Common Stock 2023-11-16 4 S 0 100 72.37 D 15059.1629 D Common Stock 2023-11-16 4 S 0 400 72.48 D 14659.1629 D Common Stock 2023-11-16 4 S 0 100 72.49 D 14559.1629 D Common Stock 2023-11-16 4 S 0 500 72.52 D 14059.1629 D Common Stock 2023-11-16 4 S 0 100 72.54 D 13959.1629 D Common Stock 2023-11-16 4 S 0 200 72.56 D 13759.1629 D Common Stock 2023-11-16 4 S 0 400 72.59 D 13359.1629 D Common Stock 2023-11-16 4 S 0 200 72.61 D 13159.1629 D Common Stock 2023-11-16 4 S 0 200 72.73 D 12959.1629 D Common Stock 2023-11-16 4 S 0 100 72.74 D 12859.1629 D Common Stock 238.606 I By ESOP Stock Option (Right to Buy) 57.40 2023-11-16 4 M 0 530 0 D 2017-01-01 2024-01-01 Common Stock 530 0 D Stock Option (Right to Buy) 51.42 2023-11-16 4 M 0 793 0 D 2018-02-11 2025-02-11 Common Stock 793 0 D Options vest 50% on 1/1/2017, 75% on 1/1/2018, and 100% on 1/1/2019 Options will vest 50% on 2/11/2018, 75% on 2/11/2019, and 75% on 2/11/2020 /s/ John C. Pauls, attorney-in-fact for Ms. Wendel 2023-11-17