Company: UMBFO
Filing Date: 2025-03-14
Form Type: DEF 14A
Source: 0001193125-25-054504
Chunk: 5

Company: UMB FINANCIAL CORP
Filing Date: 2025-03-14
Form: DEF 14A
Chunk 5
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 are my voting rights? You may vote “ FOR,” “ AGAINST,” or “ ABSTAIN” on Proposals #1, #2, and #3. Cumulative voting will apply in connection with Proposal #1—election of directors. See“ What vote is required for each proposal?” later in this section. Cumulative voting will not apply in connection with any other proposal at the Annual Meeting. If you are a beneficial owner of shares, and you do not provide instruction to your broker, bank, or other nominee, your broker, bank or other nominee is not permitted to vote your shares on certain proposals. See“ What vote is required for each proposal?” later in this section. How does the Board recommend that I vote? The Board recommends that you vote as follows:

| •   Proposal #1: |     | “FOR” the election of each of the 16 nominees to our Board;                                                                                     |
| •   Proposal #2: |     | “FOR” the approval, on an advisory basis, of the compensation paid to our Named Executive Officers; and                                         |
| •   Proposal #3: |     | “FOR” the ratification of the Corporate Audit Committee’s engagement of KPMG LLP as our independent registered public accounting firm for 2025. |

What is the quorum requirement? A quorum of stockholders is necessary to hold a valid meeting. A quorum will be present if stockholders holding a majority of the outstanding shares of common stock entitled to vote at the meeting are represented in person, via electronic means (as applicable) or by proxy. Abstentions and broker non-voteswill be counted as present for determining whether the quorum requirement has been met. What vote is required for each proposal?

| •   Proposal #1: |     | Majority voting will apply—that is, each of the 16 nominees requires an affirmative (“FOR”) vote of the majority of the shares cast at the Annual Meeting to be elected.                                                                                                                                                                                                                                                                                                                                                                                                                               
 Cumulative voting will also apply – that is, each shareholder will have a total number of votes equal to the holder’s number of shares as of the record date multiplied by the number of directors to be elected, and the shareholder may cast all of those votes for a single nominee or may distribute whole (though not fractional) votes among more than one nominee in any proportion desired. If you want to utilize cumulative voting, please notify our transfer