Company: UMBFO
Filing Date: 2025-04-11
Form Type: S-3ASR
Source: 0001193125-25-079117
Chunk: 19

Company: UMB FINANCIAL CORP
Filing Date: 2025-04-11
Form: S-3ASR
Chunk 19
---
 terms we have summarized below will apply generally to any warrants we may offer, you should also read the applicable prospectus supplement which will describe the particular terms of any warrants that we may offer in more detail. See “Where You Can Find More Information” in this prospectus. This summary also is subject to and qualified by reference to the descriptions of the particular terms of the securities described in the applicable prospectus supplement and the terms of the applicable final warrants and warrant agreement. We may issue, together with any other securities being offered or separately, warrants entitling the holder to purchase from or sell to us, or to receive from us the cash value of the right to purchase or sell, common stock, preferred stock, depositary shares, warrants or debt securities. We and a warrant agent will enter into a warrant agreement pursuant to which the warrants will be issued. The warrant agent will act solely as our agent in connection with the warrants and will not assume any obligation or relationship of agency or trust for or with any holders or beneficial owners of warrants. We will file a copy of the forms of warrants and the warrant agreement with the SEC at or before the time of the offering of the applicable series of warrants. In the case of each series of warrants, the applicable prospectus supplement will describe the terms of the warrants being offered thereby. These may include the following, if applicable:

| • |     | the title of the warrants; |

| • |     | the offering price for the warrants; |

| • |     | the aggregate number of the warrants; |

| • |     | the designation and terms of the securities purchasable upon exercise of the warrants; |

| • |     | if applicable, the designation and terms of the securities that the warrants are issued with and the number of 
 warrants issued with each security;                                                                            |

| • |     | if applicable, the date after which the warrants and any securities issued with them will be separately 
 transferable;                                                                                           |

| • |     | the number or amount of securities that may be purchased upon exercise of a warrant and the price at which the 
 securities may be purchased upon exercise;                                                                     |

| • |     | the dates on which the right to exercise the warrants will commence and expire; |

| • |     | if applicable, the minimum or maximum amount of the warrants that may be exercised at any one time; |

| • |     | whether the warrants represented by the warrant certificates or securities that may be issued upon exercise of 
 the warrants will be issued in