Company: UMBFO
Filing Date: 2025-04-11
Form Type: S-3ASR
Source: 0001193125-25-079117
Chunk: 29

Company: UMB FINANCIAL CORP
Filing Date: 2025-04-11
Form: S-3ASR
Chunk 29
---
 in the applicable supplemental indenture, owners of beneficial interests in a registered global security:

| • |     | may not have the debt securities represented by a registered global security registered in their names; |

| • |     | will not receive or be entitled to receive physical delivery of debt securities represented by a registered 
 global security in definitive form; and                                                                     |

| • |     | will not be considered the owners or holders of debt securities represented by a registered global security under 
 the indentures.                                                                                                   |

Accordingly, each person owning a beneficial interest in a registered global security must rely on the procedures of the depositary for the registered global security and, if the person is not a participant, on the procedures of the participant through which the person owns its interests, to exercise any rights of a holder under the indenture applicable to the registered global security. Payment of Interest on and Principal of Registered Global Securities Unless otherwise specified in the applicable prospectus supplement, we will make payments of principal, premium, if any, interest on and additional amounts with respect to debt securities represented by a registered global security registered in the name of a depositary or its nominee to the depositary or its nominee as the registered owner of the registered global security. None of the Company, the trustee, or any paying agent for debt securities represented by a registered global security will have any responsibility or liability for:

| • |     | any aspect of the records relating to, or payments made on account of, beneficial ownership interests in such 
 registered global security;                                                                                   |

| • |     | maintaining, supervising, or reviewing any records relating to beneficial ownership interests; |

| • |     | the payments to beneficial owners of the global security of amounts paid to the depositary or its nominee; or |

| • |     | any other matter relating to the actions and practices of the depositary, its nominee or any of its participants. |

24

Generally, a depositary, upon receipt of any payment of principal, premium, interest on or additional amounts with respect to the global security, will immediately credit participants’ accounts with payments in amounts proportionate to their beneficial interests in the principal amount of a registered global security as shown on the depositary’s records. Generally, payments by participants to owners of beneficial interests in a registered global security held through participants will be governed by standing instructions and customary practices. This is currently the case with the securities held for the accounts of customers registered in “street name.” Such payments will be the responsibility of participants. Exchange of Registered Global