Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 103

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 103
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 the holders of any one or more series of debt securities,                 
 which event of default may have a grace period that may be shorter or longer than allowed in the case of other events of default; |

| • |     | add to or change any of the provisions of the indentures to such extent as is necessary to permit or facilitate                                   
 the issuance of debt securities in bearer form, or to permit or facilitate the issuance of debt securities in global form or uncertificated form; |

| • |     | add to, change or eliminate any of the provisions of the indentures in respect of one or more series of debt                                                                                                                                    
 securities, provided that any such addition, change or elimination (a) shall neither (i) apply to any outstanding debt security of any series created prior to the execution of such supplemental indenture and entitled to the benefit of such 
 provision, or (ii) modify the rights of any holder of any outstanding debt security with respect to such provision, or (b) shall become effective when there is no debt security then outstanding;                                              |

| • |     | correct or supplement any provision which may be defective or inconsistent with any other provision or to cure                                  
 any ambiguity or omission, to correct any mistake or to conform to any prospectus pursuant to which debt securities of any series were offered; |

| • |     | make any other provisions with respect to matters or questions arising under the indentures; provided such action 
 shall not materially adversely affect the rights of any holder of debt securities of any series;                  |

| • |     | evidence and provide for the acceptance of appointment by a successor or separate trustee; |

| • |     | establish the form or terms of debt securities of any series of debt securities; and |

| • |     | make any change that does not adversely affect the rights of any holder of debt securities in any material 
 respect.                                                                                                   |

With the consent of the holders of at least a majority in principal amount of debt securities of each series affected by such supplemental indenture (voting as a single class), we and the trustee may enter into one or more supplemental indentures for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of the indentures or modifying in any manner the rights of the holders of debt securities of each such series. 27

Notwithstanding our rights and the rights of the trustee to enter into one or more supplemental indentures with the consent of the holders of at least a majority in principal amount of debt securities