Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 64

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 64
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2016/97, as amended, where that customer would not qualify as a professional client as defined in point
(10) of Article 4(1) of MiFID II; or (iii) not a qualified investor (an “EU Qualified Investor”) as defined in Regulation (EU) 2017/1129 (the “ EU Prospectus Regulation”); and (b) the expression
“offer” includes the communication in any form and by any means of sufficient information on the terms of the offer and the depositary shares to be offered so as to enable an investor to decide to purchase or subscribe for the depositary
shares. Consequently no key information document required by Regulation (EU) No 1286/2014, as amended (the “EU PRIIPs Regulation”) for offering or selling the depositary shares or otherwise making them available to EU Retail Investors
in the EEA has been prepared and therefore offering or selling the depositary shares otherwise making them available to any EU Retail Investor in the EEA may be unlawful under the EU PRIIPs Regulation.

Other EEA offering restrictions

None of this prospectus supplement, the accompanying prospectus and any related free writing prospectus is a prospectus for the purposes of the
EU Prospectus Regulation. This prospectus supplement, the accompanying prospectus and any related free writing prospectus have been prepared on the basis that any offer of depositary shares in the EEA will only be made to a legal entity which is an
EU Qualified Investor. Accordingly any person making or intending to make an offer in the EEA of depositary shares which are the subject of the offering contemplated in this prospectus supplement, the accompanying prospectus and any related free
writing prospectus may only do so with respect to EU Qualified Investors. Neither Healthpeak OP, LLC nor the underwriters have authorized, nor do they authorize, the making of any offer of depositary shares in the EEA other than to EU Qualified
Investors.

MiFID II product governance

Any distributor subject to MiFID II that is offering, selling or recommending the depositary shares is responsible for undertaking its own
target market assessment in respect of the depositary shares and determining appropriate distribution channels for the purposes of the MiFID II product governance rules under Commission Delegated Directive (EU) 2017/593 (as amended, the
“Delegated Directive”). Neither UMB nor the underwriters make any representations or warranties as to a distributor’s compliance with the Delegated