Company: UMBFO
Filing Date: 2025-04-11
Form Type: S-3ASR
Source: 0001193125-25-079117
Chunk: 39

Company: UMB FINANCIAL CORP
Filing Date: 2025-04-11
Form: S-3ASR
Chunk 39
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 trustee is required to either resign or eliminate such
conflicting interest to the extent and in the manner provided by the applicable indenture.

Notices

Notices to holders of debt securities will be given by mail to the addresses of such holders as they appear in the security register.

31

PLAN OF DISTRIBUTION (CONFLICTS OF INTEREST) We may sell the securities offered under this prospectus:

| • |     | to or through underwriters or dealers or underwriting syndicate represented by one or more managing underwriters; |

| • |     | to or through agents; |

| • |     | directly to one or more purchasers, including our affiliates; |

| • |     | in block trades; |

| • |     | if indicated in the prospectus supplement, pursuant to delayed delivery contracts; or |

| • |     | through any combination of these methods. |

Our direct or indirect wholly owned subsidiaries, including UMB Financial Services, Inc., may use this prospectus and the applicable prospectus supplement in connection with offers and sales of securities in the secondary market. Those subsidiaries may act as principal or agent in those transactions. In addition, we may issue the securities as a dividend or distribution or in a subscription rights offering to existing security holders. The distribution of securities offered under this prospectus may be effectuated from time to time in one or more transactions either:

| • |     | at a fixed price or prices which may be changed; |

| • |     | at market prices prevailing at the time of sale; |

| • |     | at prices relating to those market prices; or |

| • |     | at negotiated prices. |

For each offering of securities, the prospectus supplement will describe:

| • |     | the plan of distribution; |

| • |     | the terms of the offering; |

| • |     | the names of any agents, dealers or underwriters; |

| • |     | the name or names of any managing underwriter or underwriters; |

| • |     | the securities exchanges on which the securities will be listed, if any; |

| • |     | the purchase price of the securities; |

| • |     | the net proceeds to us from the sale of the securities; |

| • |     | any delayed delivery arrangements; |

| • |     | any underwriting discounts, commissions and other items constituting underwriters’ compensation; |

| • |     | any public offering price; and |

| • |     | any