Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 36

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 36
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 been paid in full to all holders of Preferred Stock and liquidation parity stock, if any, the holders of liquidation junior stock (as defined below) shall be entitled to receive all our remaining assets or the proceeds thereof
according to their respective rights and preferences.

Our merger or consolidation with any other entity, including a merger or
consolidation in which the holders of Preferred Stock receive cash, securities or property for their shares, or the sale, lease or exchange of all or substantially all of our assets (for cash, securities or other property), shall not constitute a
liquidation, dissolution or winding-up of our business or affairs.

As used in this prospectus
supplement, “liquidation parity stock” means the Series A Preferred Stock and any other class or series of our capital stock now or hereafter authorized, issued or outstanding that, by its terms, expressly provides that it ranks pari passuwith the Preferred Stock as to the payment of distributions upon our liquidation, dissolution or winding-up. As of the date of this prospectus supplement, liquidation parity stock includes only our
Series A Preferred Stock, of which 11,500 shares are currently outstanding.

As used in this prospectus supplement, “liquidation
junior stock” means any other class or series of our capital stock now or hereafter authorized, issued or outstanding that, by its terms, does not expressly provide that it ranks pari passuwith or senior to the Preferred Stock as to
distributions upon our liquidation, dissolution or winding-up.

Voting Rights

General

Except as
provided below, the holders of the Preferred Stock will have no voting power, and no right to vote on any matter at any time, either as a separate series or class or together with any other series or class of shares of our capital stock, and will
not be entitled to participate in meetings of holders of our common stock or to call a meeting of the holders of any one or more classes or series of our capital stock for any purpose. Each holder of Preferred Stock will have one vote per share
(except as otherwise indicated below) on any matter on which holders of Preferred Stock are entitled to vote.

All voting rights conferred
on the Preferred Stock shall not apply if, at or prior to the time when the act with respect to which such vote would otherwise be required shall be effected, all outstanding shares of Preferred Stock have been redeemed or called for redemption upon
proper notice and sufficient funds for the redemption have been set aside.

Right to Elect Two Directors