Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 33

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 33
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 on the applicable redemption date against the surrender to us or our agent of any certificate(s) evidencing the shares called for redemption. Any declared but unpaid dividends payable on a redemption date that occurs after the dividend record date for any dividend period shall not be paid to the holder of Preferred Stock entitled to receive the redemption price, but will instead be paid to the holder of record of the redeemed shares on the dividend record date relating to the applicable dividend payment date. If any shares of Preferred Stock are to be redeemed, a notice of redemption shall be given by first class mail to the holders of record of the Preferred Stock to be redeemed at their respective last addresses appearing on the books of the Corporation (provided that, if the Preferred Stock is held in book-entry form through the Depository Trust Company (“DTC”), we may give such notice in any manner permitted by DTC). Any notice of redemption shall be mailed at least 30 days and no more than 60 days before the redemption date, and each notice of redemption will include a statement setting forth:

| • |     | the redemption date (which must be a business day); |

| • |     | the number of shares of the Preferred Stock to be redeemed and, if less than all the shares held by the holder 
 are to be redeemed, the number of shares of Preferred Stock to be redeemed from the holder;                    |

| • |     | the redemption price; and |

| • |     | the place or places where the certificate(s) evidencing shares of Preferred Stock are to be surrendered for 
 payment of the redemption price.                                                                            |

Any notice of redemption mailed or otherwise delivered as described above shall be conclusively presumed to have been duly given, whether or not any holder of the Preferred Stock receives such notice. Failure to duly give notice of redemption, or any defect in such notice, to any holder of shares of Preferred Stock designated for redemption shall not affect the validity of the proceedings for the redemption of any other shares of Preferred Stock. S-24

In case of any redemption of only part of the shares of the Preferred Stock at the time
outstanding, the shares to be redeemed shall be selected either pro rataor by lot.

If notice of redemption has been duly given
and, if on or before the redemption date specified in such notice, we have set aside all funds necessary for the redemption, separate and apart from our other assets, in trust for the pro ratabenefit of the holders of the shares of Preferred
Stock called for redemption, so as to be