Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 39

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 39
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 in addition to any other vote or consent of shareholders required by law or our Restated Articles of Incorporation, the affirmative vote or consent of the holders of at least two-thirdsof all of the then-outstanding shares of Preferred Stock entitled to vote thereon, voting separately as a single class, shall be required to:

| • |     | authorize or increase the authorized amount of, or issue shares of, any class or series of our capital stock                                                                                               
 ranking senior to the Preferred Stock with respect to payment of dividends or as to distributions upon our liquidation, dissolution or winding-up, or issue any obligation or security convertible into or 
 evidencing the right to purchase any such class or series of our capital stock;                                                                                                                            |

| • |     | amend the provisions of our Restated Articles of Incorporation, including the Certificate of Designation creating                                 
 the Preferred Stock, so as to adversely affect the special powers, preferences, privileges or rights of the Preferred Stock, taken as a whole; or |

| • |     | consummate a binding share-exchange or reclassification involving the Preferred Stock, or a merger or                                                                                                                                    
 consolidation of us with or into another entity unless the shares of the Preferred Stock (i) remain outstanding or (ii) are converted into or exchanged for preference securities of the surviving entity or any entity controlling such 
 surviving entity and such new preference securities have terms that are not materially less favorable than the Preferred Stock.                                                                                                          |

When determining the application of the supermajority voting rights described in this section, the authorization, creation and issuance, or an increase in the authorized or issued amount of, junior stock or any series of preferred stock, or any securities convertible into or exchangeable or exercisable for junior stock or any series of preferred stock, that by its terms expressly provides that it ranks pari passuwith the Preferred Stock with respect to the payment of dividends (whether such dividends are cumulative or non-cumulative)and as to distributions upon our liquidation, dissolution or winding-upshall not be deemed to adversely affect the powers, preferences, privileges or rights, and shall not require the affirmative vote or consent of, the holders of any outstanding shares of Preferred Stock. Voting Rights under the Missouri Corporations Law Under Section 351.180 of the Missouri Corporations Law, pursuant to authority expressly vested in it by our Restated Articles of Incorporation, the Board may fix the rights, preferences and privileges of our preferred stock, along with any limitations or restrictions, including voting rights, dividend rights, conversion rights