Company: UMBFO
Filing Date: 2025-02-03
Form Type: S-8
Source: 0000950103-25-001331
Chunk: 2

Company: UMB FINANCIAL CORP
Filing Date: 2025-02-03
Form: S-8
Chunk 2
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 Mergers, and excluding any performance-based vesting conditions) and exercise price, as applicable, that applied
to the corresponding HTLF Awards immediately prior to the Effective Time. The number of shares of UMB Common Stock subject to each such
UMB RSU Award, UMB PSU Award and UMB Option Award equals the target number of shares of HTLF common stock subject to the corresponding
HTLF Award immediately prior to the Effective Time multiplied by the exchange ratio (as defined below). The “exchange ratio”
is equal to 0.5500.

Remaining HTLF Stock Plan Shares

Shares of UMB Common Shares registered hereunder
also include any other shares of HTLF common stock that were available for future awards under the HTLF Stock Plans immediately prior
to the Effective Time, multiplied by the exchange ratio, rounded down to the nearest whole share (the “Remaining HTLF Stock Plans
Shares”). Pursuant to an exception under Rule 5635(c), subject to certain limitations, shares that are available for grant under
a pre-existing shareholder approved plan of an issuer that is acquired in an acquisition or merger may be used (after appropriate adjustment
of the number of shares to reflect such transaction) by the listed acquiring company for certain post-transaction grants without approval
of shareholders of the listed acquiring company.

<div align='center'>PART I

INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS</div>

The documents containing the information specified in Item 1 and Item
2 of Part I of Form S-8 will be sent or given to participants as specified by Rule 428(b)(1) under the Securities Act of 1933, as amended
(the “”). In accordance with the rules and regulations of the U.S. Securities and Exchange Commission
(the “”) and the instructions to Form S-8, such documents are not being filed with the Commission either
as part of this Registration Statement or as prospectuses or prospectus supplements pursuant to Rule 424 under the Securities Act.

<div align='center'>PART II

INFORMATION REQUIRED IN THE REGISTRATION STATEMENT</div>

| Item 3. | Incorporation of Documents by Reference. |

The following documents previously filed by the Registrant with the
Commission under the Securities Exchange Act of 1934, as amended (the “”), are incorporated herein by reference:

| · | All reports filed pursuant to Section 13(a) or 15(d) of the Exchange Act since the end of the fiscal year covered by the Annual Report