Company: UMBFO
Filing Date: 2025-04-11
Form Type: S-3ASR
Source: 0001193125-25-079117
Chunk: 32

Company: UMB FINANCIAL CORP
Filing Date: 2025-04-11
Form: S-3ASR
Chunk 32
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 constitute an event of default for any other series of debt securities issued under an indenture. The trustee may withhold notice to the holders of debt securities of any default (except in the payment of principal, premium, if any, interest on or any additional amounts with respect to such debt securities) if it in good faith determines such withholding of notice to be in the interests of the holders. No holder of any debt securities of any series will have any right to institute any proceeding with respect to the applicable indenture or for any remedy under such indenture, unless:

| • |     | an event of default with respect to such series shall have occurred and be continuing and such holder shall have 
 previously given to the trustee written notice of such continuing event of default;                              |

| • |     | with respect to any event of default relating to nonpayments or bankruptcy, insolvency or similar proceedings,                                                                                                                               
 the holders of at least 25% in aggregate principal amount of the outstanding debt securities of the relevant series shall have made written request and offered reasonable indemnity to the trustee to institute such proceeding as trustee; |

| • |     | with respect to events of default relating to covenant breaches or other defaults specified in any supplemental                                                                                                                                        
 indenture under which any series of debt securities is issued (other than certain events of bankruptcy, insolvency or similar proceedings affecting us and except as provided in the applicable prospectus supplement), the holders of at least 50% in 
 aggregate principal amount of the outstanding debt securities of the relevant series shall have made written request and offered reasonable indemnity to the trustee to institute such proceeding as trustee;                                          |

| • |     | such holder or holders shall have, if requested by the trustee, provided to the trustee reasonable indemnity 
 against the costs, expenses and liabilities to be incurred in compliance with such request;                  |

| • |     | the trustee shall have failed to institute such proceeding within 60 days after the receipt of the request and 
 offer of indemnity; and                                                                                        |

26

| • |     | the trustee shall not have received during such 60-day period from the                                                                                     
 holders of at least a majority in aggregate principal amount of the outstanding debt securities of such series a direction inconsistent with such request. |

However, such limitations do not apply to a suit instituted by a holder of a debt security for enforcement of payment of the principal of and premium, if any, interest on or any additional amounts with respect to such debt security on or after the respective due dates expressed in such debt security