Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 102

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 102
---
 in aggregate principal amount of the outstanding debt securities of the relevant series shall have made written request and offered reasonable indemnity to the trustee to institute such proceeding as trustee; |

| • |     | with respect to events of default relating to covenant breaches or other defaults specified in any supplemental                                                                                                                                        
 indenture under which any series of debt securities is issued (other than certain events of bankruptcy, insolvency or similar proceedings affecting us and except as provided in the applicable prospectus supplement), the holders of at least 50% in 
 aggregate principal amount of the outstanding debt securities of the relevant series shall have made written request and offered reasonable indemnity to the trustee to institute such proceeding as trustee;                                          |

| • |     | such holder or holders shall have, if requested by the trustee, provided to the trustee reasonable indemnity 
 against the costs, expenses and liabilities to be incurred in compliance with such request;                  |

| • |     | the trustee shall have failed to institute such proceeding within 60 days after the receipt of the request and 
 offer of indemnity; and                                                                                        |

26

| • |     | the trustee shall not have received during such 60-day period from the                                                                                     
 holders of at least a majority in aggregate principal amount of the outstanding debt securities of such series a direction inconsistent with such request. |

However, such limitations do not apply to a suit instituted by a holder of a debt security for enforcement of payment of the principal of and premium, if any, interest on or any additional amounts with respect to such debt security on or after the respective due dates expressed in such debt security. 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