Company: UMBFO
Filing Date: 2025-04-11
Form Type: S-3ASR
Source: 0001193125-25-079117
Chunk: 50

Company: UMB FINANCIAL CORP
Filing Date: 2025-04-11
Form: S-3ASR
Chunk 50
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 a party or is threatened to be made a defendant party to any threatened, pending, or
completed action, suit, or proceeding, whether civil, criminal, administrative, or investigative (other than an action, suit, or proceeding by or in the right of the Corporation, a “General Action”) by reason of the fact that they are or
were a director or officer of the Corporation or any of its subsidiaries (a subsidiary being defined as another corporation or other entity included in a controlled group of corporations or other entities of which the Corporation is a common
parent), or is or was serving at the request of the Corporation as a director or officer of another corporation, partnership, joint venture, trust, or other enterprise (which shall be deemed to include service in a fiduciary capacity or otherwise
with respect to any employee benefit plan of the Corporation or any other corporation or other entity) (each such director or officer, an “Executive”) shall, to the maximum extent permitted by applicable law, be indemnified against
expenses (including attorneys’ fees), judgments, fines, and amounts (collectively, “Expenses”) paid in settlement actually and reasonably incurred by them in defense of such General Action, if they:

(i) acted in good faith and in a manner they reasonably believed to be in or not opposed to the best interests of the
Corporation or the participants or beneficiaries of any employee benefit plan; and

II-3

(ii) with respect to any criminal General Action, had no reasonable cause to
believe their conduct was unlawful.

Any employee of the Corporation or its subsidiaries, when acting in a supervisory or managerial
capacity (each, an “Employee”), may likewise be indemnified under subsection (a), but such indemnification is not mandatory.

b.Actions by or in the Right of the Corporation. Any person who was or is a party or is threatened to be made a party
to any threatened, pending, or completed action, suit, or proceeding by or in the right of the Corporation to procure a judgment in its favor (each such an action, suit or proceeding, a “Corporate Action,” and together with a General
Action, an “Action”) by reason of the fact that they were or are an Executive shall, to the maximum extent permitted by applicable law, be indemnified against Expenses paid in settlement actually and reasonably incurred by them in
connection with the defense or settlement of the Corporate Action, if they acted in good faith and in a manner they reasonably believed to be in or not opposed