Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 96

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 96
---
 any addition to or change in the events of default with respect to the debt securities of the series; |

| • |     | the identity of any trustees, authenticating or paying agents, transfer agents or registrars; |

| • |     | the applicability of, and any addition to or change in, the covenants currently set forth in the indenture; |

| • |     | the subordination, if any, of the debt securities of the series and terms of the subordination; |

| • |     | whether our subsidiaries or any other entities will provide guarantees of the debt securities, and the terms of 
 any subordination of such guarantee;                                                                            |

| • |     | provisions, if any, granting special rights to holders of the debt securities upon the occurrence of such events 
 as may be specified;                                                                                             |

| • |     | whether we will issue the debt securities in certificate or book entry form; |

| • |     | whether such debt securities shall be issuable in registered form or bearer form, and if in registered form, the                                     
 denomination if other than in even multiples of $1,000, and any restrictions applicable to the offering, sale or delivery of bearer debt securities; |

| • |     | the forms of the debt securities of the series; |

| • |     | the terms, if any, which may be related to warrants, options, or other rights to purchase and sell securities 
 issued by the Company in connection with debt securities of the series;                                       |

| • |     | whether the debt securities will be governed by, and the extent to which the debt securities will be governed by, 
 any law other than the laws of the State of New York; and                                                         |

| • |     | any other terms of the debt securities of the series which are not prohibited by the indenture. |

Subordination Unless we indicate otherwise in the applicable prospectus supplement, the following provisions will apply to subordinated debt securities. Our subordinated debt securities are subordinated and junior in right of payment to all of our “senior indebtedness.” The subordinated indenture defines senior indebtedness of the Company as all amounts due on obligations in connection with any of the following, whether outstanding at the date of execution of the indenture covering the subordinated debt securities or thereafter incurred or created: (i) the principal of and premium, if any, and interest due on the Company’s indebtedness for borrowed money and indebtedness evidenced by securities, debentures, bonds