Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 107

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 107
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 of all or substantially all of our assets to any other person or entity; |

unless in the case of both preceding clauses:

| • |     | the resulting, surviving or transferee entity is an entity organized and existing under the laws of the United                                                                                                                          
 States or any state thereof or the District of Columbia and such resulting, surviving or transferee entity expressly assumes, by supplemental indenture, all of our obligations under the debt securities and the applicable indenture; |

| • |     | immediately after giving effect to such transaction, no default or event of default would occur or be continuing; 
 and                                                                                                               |

29

| • |     | we shall have delivered to the trustee an officer’s certificate and an opinion of counsel, each stating that          
 such consolidation, merger or transfer and such supplemental indenture, if any, comply with the applicable indenture. |

Except for the above restrictions, the indentures do not limit the ability of the Company to enter into any of the following types of transactions:

| • |     | a highly leveraged or similar transaction involving us, our management or any affiliate thereof; |

| • |     | a change of control; or |

| • |     | a reorganization, restructuring, merger or similar transaction involving us that may adversely affect the holders 
 of the debt securities.                                                                                           |

In addition, subject to the limitations on mergers, consolidations and sales described above, we may enter into transactions in the future, such as the sale of all or substantially all of our assets or the merger or consolidation of us, that would increase the amount of our debt or substantially reduce or eliminate our assets, which may have an adverse effect on our ability to service our debt, including the debt securities. Governing Law The indentures and the debt securities will be governed by the laws of the State of New York, without giving effect to applicable principles of conflicts of law to the extent the application would require the laws of anther jurisdiction to apply. Conversion or Exchange Rights Any debt securities that we may issue pursuant to this prospectus may be convertible into or exchangeable for shares of our equity or other securities. The terms and conditions of such conversion or exchange will be set forth in the applicable prospectus supplement. Such terms may include, among others, the following:

| • |     | the conversion or exchange price; |

| • |     | the conversion or exchange period; |

| • |     | provisions regarding our ability or that of the holder to convert or exchange the debt securities; |