Company: UMBFO
Filing Date: 2025-04-11
Form Type: S-3ASR
Source: 0001193125-25-079117
Chunk: 37

Company: UMB FINANCIAL CORP
Filing Date: 2025-04-11
Form: S-3ASR
Chunk 37
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 debt securities of the defeased series. If we effect covenant defeasance with respect to any debt securities and the debt securities are declared due and payable, amounts deposited with the trustee will be sufficient to pay amounts due on the debt securities at the time of their stated maturity but may not be sufficient to pay amounts due on the debt securities at the time of the acceleration resulting from such event of default. We would, however, remain liable to make payment of those amounts due at the time of acceleration. Mergers, Consolidations and Certain Sales of Assets Except to the extent set forth in a supplemental indenture with respect to any series of debt securities, we may not:

| • |     | consolidate with or merge into any other person or entity or permit any other person or entity to consolidate 
 with or merge into us in a transaction in which we are not the surviving entity; or                           |

| • |     | transfer, lease or dispose 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                                                                                                               |

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| • |     | 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