Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 104

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 104
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 of the affected series as described above, no such supplemental indenture shall, without the consent of the holder of each outstanding debt security of the affected series, among other things:

| • |     | change the maturity of the principal of or any installment of principal of, or the date fixed for payment of 
 interest on, any additional amounts or any sinking fund payment with respect to any debt securities;         |

| • |     | reduce the principal amount of any debt securities or the rate of interest on or any additional amounts with 
 respect to any debt securities;                                                                              |

| • |     | change the place of payment or the currency in which any debt securities are payable; |

| • |     | impair the right of the holders to institute a proceeding for the enforcement of any right to payment on or after 
 maturity; or                                                                                                      |

| • |     | reduce the percentage in principal amount of any series of debt securities whose holders must consent to an 
 amendment or supplemental indenture or any waiver provided in the indenture.                                |

Unless otherwise provided in a supplemental indenture with respect to any series of debt securities, under the indenture, the holders of at least a majority of the principal amount of debt securities of each series may, on behalf of that series:

| • |     | waive compliance by the Company of certain restrictive covenants of the indenture; and |

| • |     | waive any past default under the indenture, except: |

| • |     | a continuing default in the payment of principal of or any premium or interest on, or any additional amounts with 
 respect to, such series; or                                                                                       |

| • |     | a continuing default under any provision of the applicable indenture which itself cannot be modified or amended 
 without the consent of the holder of each outstanding debt security affected.                                   |

The indentures provide that in determining whether the holders of the requisite principal amount of outstanding debt securities have given, made or taken any request, demand, authorization, direction, notice, consent, waiver or other actions thereunder:

| • |     | the principal amount of an original issue discount security which shall be deemed to be outstanding shall be the                                                        
 amount of the principal thereof which would be due and payable as of such date upon acceleration of the maturity thereof or as otherwise contemplated by the indenture; |

| • |     | the principal amount of a security denominated in one or more non-U.S.                                                                                                                                                                                
 dollar currencies or currency units which shall be deemed to be outstanding shall be