Company: UMBFO
Filing Date: 2025-04-11
Form Type: S-3ASR
Source: 0001193125-25-079117
Chunk: 23

Company: UMB FINANCIAL CORP
Filing Date: 2025-04-11
Form: S-3ASR
Chunk 23
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 include in any applicable prospectus supplement, summarizes the general terms and provisions of the debt securities that we may offer under this prospectus. Because it is a summary, it does not contain all information that may be important to you. For more information, you should read the form of senior indenture and the subordinated indenture (the “subordinated indenture”), dated as of September 17, 2020, by and between us and Computershare Trust Company, National Association (as successor to Wells Fargo, National Association), as trustee, we have filed as exhibits to the registration statement of which this prospectus is a part. While the terms we have summarized below will apply generally to any future debt securities we may offer, you should also read the applicable prospectus supplement which will describe the particular terms of any debt securities that we may offer in more detail. This summary is also subject to and qualified by reference to the descriptions of the particular terms of the securities described in the applicable prospectus supplement and by the terms of the applicable final indenture, applicable indenture supplement and debt security. See “Where You Can Find More Information” in this prospectus.

General

The debt securities that we may
issue will constitute debentures, notes, bonds or other evidences of indebtedness of the Company, to be issued in one or more series, which may include senior debt securities, subordinated debt securities and senior subordinated debt securities. The
particular terms of any series of debt securities we offer, including the extent to which the general terms set forth below may be applicable to a particular series, will be described in a prospectus supplement relating to such series.

Debt securities that we may issue will be issued under the subordinated indenture and/or one or more separate indentures between us and a
trustee to be named in the related prospectus supplement. Senior debt securities will be issued under a senior indenture and subordinated debt securities will be issued under the subordinated indenture. Together the senior indenture and the
subordinated indenture are called “indentures” and each an “indenture.” We have filed the form of the senior indenture and the subordinated indenture as exhibits to the registration statement of which this prospectus is a part.
If we enter into any indenture supplement, we will file a copy of that supplement with the SEC.

Unless otherwise indicated in the
applicable prospectus supplement, the debt securities will be our direct obligations. Any senior debt securities will rank equally with all of