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

Company: UMB FINANCIAL CORP
Filing Date: 2025-04-11
Form: S-3ASR
Chunk 25
---
 method, the manner in which such amounts will be determined; |

| • |     | the extent to which the debt securities of the series, in whole or any specified part, shall be defeasible 
 pursuant to the applicable indenture and the terms and conditions of such defeasance;                      |

| • |     | if other than the currency of the United States, the currency or currencies in which payment of the principal and                                                                                                  
 premium, if any, and interest with respect to debt securities of the series will be payable, or in which the debt securities of the series shall be denominated, and the particular provisions applicable thereto; |

21

| • |     | whether the debt securities of the series will be secured or guaranteed and, if so, on what terms; |

| • |     | the events of default if different from or in addition to those described in this prospectus; |

| • |     | any addition to or change in the events of default with respect to the debt securities of the series; |

| • |     | the identity of any trustees, authenticating or paying agents, transfer agents or registrars; |

| • |     | the applicability of, and any addition to or change in, the covenants currently set forth in the indenture; |

| • |     | the subordination, if any, of the debt securities of the series and terms of the subordination; |

| • |     | whether our subsidiaries or any other entities will provide guarantees of the debt securities, and the terms of 
 any subordination of such guarantee;                                                                            |

| • |     | provisions, if any, granting special rights to holders of the debt securities upon the occurrence of such events 
 as may be specified;                                                                                             |

| • |     | whether we will issue the debt securities in certificate or book entry form; |

| • |     | whether such debt securities shall be issuable in registered form or bearer form, and if in registered form, the                                     
 denomination if other than in even multiples of $1,000, and any restrictions applicable to the offering, sale or delivery of bearer debt securities; |

| • |     | the forms of the debt securities of the series; |

| • |     | the terms, if any, which may be related to warrants, options, or other rights to purchase and sell securities 
 issued by the Company in connection with debt securities of the series;                                       |

| • |     | whether the debt securities will be governed