Company: UMBFO
Filing Date: 2025-04-11
Form Type: S-3ASR
Source: 0001193125-25-079117
Chunk: 53

Company: UMB FINANCIAL CORP
Filing Date: 2025-04-11
Form: S-3ASR
Chunk 53
---
 a presumption that the claimant is not entitled to indemnification.

h.Insurance. The Corporation may purchase and maintain insurance, or another similar arrangement, on behalf of any
person who is or was an Executive or Employee, against any liability asserted against, or incurred by, them in any such capacity, or arising out of their status as such, whether or not the Corporation would have the power to indemnify them against
such liability under these Bylaws or applicable law; provided, however, that such insurance or other arrangement shall not provide coverage inconsistent with that permitted by applicable law.

i.Indemnity Not Exclusive. The indemnification provided for Executives or Employees (i) shall not be deemed
exclusive of any other rights to which those Executives or Employees may be entitled to under the Articles of Incorporation, these Bylaws, or any agreement, vote of shareholders or disinterested directors, or otherwise, both as to actions in their
official capacity and as to actions in another capacity while holding such office, and (ii) shall continue as to any person who has ceased to be an Executive or Employee and shall inure to the benefit of their heirs, executors, and
administrators.

j.Miscellaneous. The right of any Executive to be indemnified, reimbursed, or advanced amounts
pursuant to these Bylaws (i) is a contract right, enforceable by the Executive as if the applicable provisions of these Bylaws were set forth in a separate written contract between the Corporation and the Executive, (ii) is intended to be
retroactive, and (iii) shall continue to exist after the rescission or restrictive modification of these Bylaws with respect to prior events.

II-5

Item 16. Exhibits.

| Exhibit No. |     | Description                                                                                                                                                                                                                                                |
| 1.1         |     | Form of Underwriting Agreement (for Debt Securities)*                                                                                                                                                                                                      |
| 1.2         |     | Form of Underwriting Agreement (for Preferred Stock)*                                                                                                                                                                                                      |
| 1.3         |     | Form of Underwriting Agreement (for Common Stock)*                                                                                                                                                                                                         |
| 1.4         |     | Form of Underwriting Agreement (for Depositary Shares)*                                                                                                                                                                                                    |
| 1.5         |     | Form of Underwriting Agreement (for Warrants)*                                                                                                                                                                                                             |
| 4.1         |     | Form of Senior Indenture**                                                                                                                                                                                                                                 |
| 4.2         |     |