Company: UMBFO
Filing Date: 2025-04-11
Form Type: S-3ASR
Source: 0001193125-25-079117
Chunk: 13

Company: UMB FINANCIAL CORP
Filing Date: 2025-04-11
Form: S-3ASR
Chunk 13
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 | whether dividends will be cumulative and, if so, the dividend rate, when dividends will be paid, or the method of 
 determining the dividend rate if it is based on a formula or not otherwise fixed;                                 |

| • |     | the date from which dividends on the preferred stock will accumulate; |

| • |     | the provisions for any auctioning or remarketing, if any, of the preferred stock; |

| • |     | the provision, if any, for redemption or a sinking fund; |

| • |     | the dividend and liquidation preference per share of preferred stock; |

| • |     | whether the preferred stock will be issued in other than book-entry form; |

| • |     | any listing of the preferred stock on a securities exchange; |

| • |     | whether the preferred stock will be convertible or exchangeable and, if so, the security into which they are                                                          
 convertible or exchangeable and the terms and conditions of conversion or exchange, including the conversion price or exchange ratio or the manner of determining it; |

| • |     | whether interests in the preferred stock will be represented by depositary shares as more fully described below 
 under “Description of Depositary Shares” in this prospectus;                                                    |

| • |     | a discussion of material U.S. federal income tax considerations; |

| • |     | the relative ranking and preferences of the preferred stock as to dividend and liquidation rights; |

| • |     | any limitations on issuance of any preferred stock ranking senior to, or on parity with, the series of preferred 
 stock being offered as to dividend and liquidation rights; and                                                   |

| • |     | any other specific preferences, conversion or other rights, voting powers, restrictions, limitations as to 
 dividends, qualifications and terms and conditions of redemption of the preferred stock.                   |

As described under “Description of Depositary Shares” in this prospectus, we may, at our option, elect to offer depositary shares evidenced by depositary receipts. If we elect to do this, each depositary receipt will represent a fractional interest in a share or multiple shares of the particular series of the preferred stock issued and deposited with a depositary. The applicable prospectus supplement will specify that fractional interest. 11

DESCRIPTION OF DEPOSITARY SHARES

The following description, together with the additional information we include in any applicable prospectus supplement, summarizes the general provisions of any deposit agreement and of the depositary shares and depositary receipts representing depositary shares that