Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 70

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 70
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 of the SFA.

It is a condition of the offer that where the depositary shares are subscribed for or acquired pursuant to an offer made in reliance on
Section 275 of the SFA by a Relevant Person which is:

(c) a corporation (which is not an Accredited Investor), the sole business of
which is to hold investments and the entire share capital of which is owned by one or more individuals, each of whom is an Accredited Investor; or

(d) a trust (where the trustee is not an Accredited Investor), the sole purpose of which is to hold investments and each beneficiary of the
trust is an individual who is an Accredited Investor, securities or securities-based derivatives contracts (each as defined in Section 2(1) of the SFA) of that corporation and the beneficiaries’ rights and interest (howsoever described) in
that trust shall not be transferred within six months after that corporation or that trust has subscribed for or acquired the depositary shares except:

(5) to an Institutional Investor, an Accredited Investor, a Relevant Person, or which arises from an offer referred to in Section 275(1A)
of the SFA (in the case of that corporation) or Section 276(4)(c)(ii) of the SFA (in the case of that trust);

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(6) where no consideration is or will be given for the transfer;

(7) where the transfer is by operation of law; or

(8) as specified in Section 276(7) of the SFA.

Switzerland

The
depositary shares may not be publicly offered in Switzerland and will not be listed on the SIX Swiss Exchange or on any other stock exchange or regulated trading facility in Switzerland. This document does not constitute a prospectus within the
meaning of, and has been prepared without regard to the disclosure standards for issue prospectuses under art. 652a or art. 1156 of the Swiss Code of Obligations or the disclosure standards for listing prospectuses under art. 27 ff. of the SIX Swiss
Exchange Listing Rules or the listing rules of any other stock exchange or regulated trading facility in Switzerland. Neither this document nor any other offering or marketing material relating to the depositary shares or the offering may be
publicly distributed or otherwise made publicly available in Switzerland.

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VALIDITY OF THE SHARES

The validity of the Preferred Stock and the depositary shares offered hereby will be passed upon for us by Sandberg Phoenix & von