Company: UMBFO
Filing Date: 2025-04-11
Form Type: S-3ASR
Source: 0001193125-25-079117
Chunk: 33

Company: UMB FINANCIAL CORP
Filing Date: 2025-04-11
Form: S-3ASR
Chunk 33
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. Modification of the Indentures We and the applicable trustee may, at any time and from time to time, without prior notice to or consent of any holders of debt securities, enter into one or more indentures supplemental to the indentures, among other things to:

| • |     | add additional obligors on, or guarantees of, or to secure any series of debt securities; |

| • |     | evidence the succession of another person pursuant to the provisions of the indentures relating to                                           
 consolidations, mergers and sales of assets and the assumption by such successor of our covenants and obligations or those of any guarantor; |

| • |     | surrender any right or power conferred upon us under the indentures or to add to our covenants for the benefit of 
 the holders of all or any series of debt securities;                                                              |

| • |     | add any additional events of default for the benefit of the holders of any one or more series of debt securities,                 
 which event of default may have a grace period that may be shorter or longer than allowed in the case of other events of default; |

| • |     | add to or change any of the provisions of the indentures to such extent as is necessary to permit or facilitate                                   
 the issuance of debt securities in bearer form, or to permit or facilitate the issuance of debt securities in global form or uncertificated form; |

| • |     | add to, change or eliminate any of the provisions of the indentures in respect of one or more series of debt                                                                                                                                    
 securities, provided that any such addition, change or elimination (a) shall neither (i) apply to any outstanding debt security of any series created prior to the execution of such supplemental indenture and entitled to the benefit of such 
 provision, or (ii) modify the rights of any holder of any outstanding debt security with respect to such provision, or (b) shall become effective when there is no debt security then outstanding;                                              |

| • |     | correct or supplement any provision which may be defective or inconsistent with any other provision or to cure                                  
 any ambiguity or omission, to correct any mistake or to conform to any prospectus pursuant to which debt securities of any series were offered; |

| • |     | make any other provisions with respect to matters or questions arising under the indentures; provided such action 
 shall not materially adversely affect the rights of any holder of debt securities of any series;                  |

| • |     | evidence and provide for the