Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 65

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 65
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 Directive.

NOTICE TO PROSPECTIVE INVESTORS IN THE UNITED KINGDOM

Prohibition on sales to UK Retail Investors

The depositary shares are not intended to be offered, sold or otherwise made available to and should not be offered, sold or otherwise made
available to any UK Retail Investor in the United Kingdom (“UK”). For these

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purposes: (a) the expression “UK Retail Investor” means a person who is one (or more) of: (i) a retail client, as defined in point (8) of Article 2 of Commission
Delegated Regulation (EU) No 2017/565 as it forms part of domestic law in the UK by virtue of the European Union (Withdrawal) Act 2018, as amended (the “EUWA”), and as amended; or (ii) a customer within the meaning of the provisions
of the Financial Services and Markets Act 2000, as amended (the “FSMA”) and any rules or regulations made under the FSMA (such rules and regulations as amended) to implement the Directive (EU) 2016/97, where that customer would not qualify
as a professional client, as defined in point (8) of Article 2(1) of Regulation (EU) No 600/2014 as it forms part of domestic law in the UK by virtue of the EUWA, and as amended; or (iii) not a qualified investor (a “UK Qualified
Investor”) as defined in Article 2 of Regulation (EU) 2017/1129 as it forms part of domestic law in the UK by virtue of the EUWA and as amended (the “UK Prospectus Regulation”); and (b) the expression “offer”
includes the communication in any form and by any means of sufficient information on the terms of the offer and the depositary shares to be offered so as to enable an investor to decide to purchase or subscribe for the depositary shares.
Consequently no key information document required by Regulation (EU) No 1286/2014 as it forms part of domestic law in the UK by virtue of the EUWA (as amended, the “UK PRIIPs Regulation”) for offering or selling the depositary shares or
otherwise making them available to UK Retail Investors in the UK has been prepared and therefore offering or selling the depositary shares or otherwise making them available to any UK Retail Investor in the UK may be unlawful under the UK PRIIPs
Reg