Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 87

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 87
---
. Receipt of the money or other property is subject to surrender to the depositary of the depositary receipts evidencing the redeemed depositary shares.

Voting of the Shares of Preferred Stock

Upon receipt of notice of any meeting at which the holders of the applicable preferred stock are entitled to vote, a depositary will be
required to mail the information contained in the notice of meeting to the record holders of the applicable depositary receipts. Each record holder of depositary receipts on the record date will be entitled to instruct the depositary as to the
exercise of the voting rights pertaining to the amount of preferred stock represented by the holder’s depositary shares. The depositary will try, as practical, to vote the shares as you instruct. We will agree to take all reasonable action that
the depositary deems necessary in order to enable it to do so.

If you do not instruct the depositary how to vote your shares, the
depositary will abstain from voting those shares. The depositary will not be responsible for any failure to carry out an instruction to vote or for the effect of any such vote made if the action or inaction of the depositary is in good faith and is
not the result of the depositary’s gross negligence or willful misconduct.

Conversion or Exchange of Shares of Preferred Stock

The depositary shares will not themselves be convertible into or exchangeable for common stock, preferred stock or any of our other securities
or property. Nevertheless, if it is specified in the applicable prospectus supplement, the depositary receipts may be surrendered by holders to the applicable depositary with written instructions to the depositary instructing us to cause conversion
or exchange of the preferred stock represented by the depositary shares. Similarly, if it is specified in the applicable prospectus supplement, we may require you to surrender all of your depositary receipts to the applicable depositary upon our
requiring the conversion or

13

exchange of the preferred stock represented by the depositary shares into our debt securities. We will agree that, upon receipt of the instruction and any amounts payable in connection with the conversion or exchange, we will cause the conversion or exchange using the same procedures as those provided for delivery of preferred stock to effectuate the conversion or exchange. If you are converting or exchanging only a part of the depositary shares, the depositary will issue you a new depositary receipt for any unconverted or unexchanged depositary shares. Amendment and Termination of a Deposit Agreement We and the applicable depositary will be permitted to amend