Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 54

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 54
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 generally will be subject to withholding tax at a 30% rate or a reduced rate specified by an applicable income tax treaty. In order to obtain a reduced rate of withholding under an applicable income tax treaty, a Non-U.S.Holder will be required to provide an IRS Form W-8BEN(or other appropriate form) certifying its entitlement to benefits under a treaty. The withholding tax does not apply to dividends paid to a Non-U.S.Holder that provides an IRS Form W-8ECI,certifying that the dividends are effectively connected with the Non-U.S.Holder’s conduct of a trade or business within the United States, as described below. Gain on Disposition of Depositary Shares Subject to the discussions below under “—Information Reporting and Backup Withholding” and “—FATCA,” a Non-U.S.Holder generally will not be subject to U.S. federal income tax on gain realized on a sale, redemption (other than a redemption that is treated as the distribution of a dividend for U.S. federal income tax purposes, as discussed in “Tax Consequences to U.S. Holders—Sale, Redemption or Other Disposition of Depositary Shares” above) or other disposition of depositary shares unless:

| • |     | the gain is effectively connected with the conduct of a trade or business of the 
 Non-U.S. Holder in the United States, as described below; or                     |

We believe that we are not, and do not anticipate becoming, a U.S. real property holding corporation. Effectively Connected Income If dividends or gains on depositary shares are effectively connected with a Non-U.S.Holder’s conduct of a trade or business in the United States (and, if required by an applicable income tax treaty, are attributable to a U.S. permanent establishment or fixed base maintained by the Non-U.S.Holder), the Non-U.S.Holder generally will be taxed in the same manner as a U.S. Holder (see “Tax Consequences to U.S. Holders—Taxation of Distributions” and “Tax Consequences to U.S. Holders—Sale, Redemption or Other Disposition of Depositary Shares” above). In that case, the Non-U.S.Holder will be exempt from the withholding tax on dividends discussed above, although the Non-U.S.Holder will be required to provide a properly executed IRS S-38

Form W-8ECI in order to claim an exemption from withholding. A Non-U.S. Holder who is engaged in a trade or
business