Company: UMBFO
Filing Date: 2025-04-11
Form Type: S-3ASR
Source: 0001193125-25-079117
Chunk: 30

Company: UMB FINANCIAL CORP
Filing Date: 2025-04-11
Form: S-3ASR
Chunk 30
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 Securities We may issue debt securities in definitive form in exchange for the registered global security if both of the following occur:

| • |     | the depositary for any debt securities represented by a registered global security is at any time unwilling or 
 unable to continue as depositary or ceases to be a clearing agency registered under the Exchange Act; and      |

| • |     | we do not appoint a successor depositary within 90 days. |

In addition, we may, at any time, determine not to have any of the debt securities of a series represented by one or more registered global securities. In this event, we will issue debt securities of that series in definitive form in exchange for all of the registered global security or securities representing those debt securities. Covenants by the Company The indentures include covenants by us, including among other things that (i) we will make all payments of principal and interest at the times and places required, and (ii) we will do or cause to be done all things necessary to preserve and keep in full force our existence, subject to certain terms as generally described under “—Mergers, Consolidations and Certain Sales of Assets” in this prospectus. The board resolution, officer’s certificate or supplemental indenture establishing each series of debt securities may contain additional covenants, including, without limitation, covenants that could restrict our right to incur additional indebtedness or liens and to take certain actions with respect to our businesses and assets. Events of Default Unless otherwise indicated in the applicable prospectus supplement, the following will be events of default under the indentures with respect to each series of debt securities issued under the indentures:

| • |     | failure to pay when due any interest on, or additional amounts with respect to, any debt security of that series, 
 that continues for 30 days;                                                                                       |

| • |     | failure to pay when due the principal of, or premium, if any, on, any debt security of that series at its 
 maturity;                                                                                                 |

| • |     | default in the payment of any sinking fund installment with respect to any debt security of that series when due 
 and payable, that continues for 30 days;                                                                         |

| • |     | failure to perform any other covenant or agreement of ours under the applicable indenture or the supplemental                                                                                                                                             
 indenture with respect to that series that continues for 60 days after written notice to us by the trustee at the direction of holders of at least 25% in aggregate