X0306 4 2016-02-05 0000101382 UMB FINANCIAL CORP UMBF 0001659975 Payne Jennifer M 1010 GRAND BLVD. KANSAS CITY MO 64106 1 Sr. Vice President Common Stock 2016-02-05 4 A 0 1395 0 A 5632.7274 D Common Stock 387.453 I By 401k Common Stock 170.4429 I By ESOP Stock Option (Right to Buy) 47.68 2016-02-05 4 A 0 2241 0 A 2016-02-05 2026-02-05 Common Stock 2241 2241 D Reflects shares acquired through the reinvestment of dividends on restricted stock Reflects shares acquired by the reporting person through the UMB Financial Corporation 401(k) Plan Reflects ESOP allocations and dispositions that have occurred since the date of the reporting person's last ownership report Options will vest 50% on 2/5/2018, 75% on 2/5/2019, and 100% on 2/5/2020. /s/ John C. Pauls, Attorney-in-Fact for Ms. Payne 2016-02-08