Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 95

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 95
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, interest or other charges by our subsidiaries. Our commercial bank subsidiaries are subject to regulatory restrictions with respect to the payment of dividends.

The following description is a summary of the material provisions of the subordinated indenture and the form of senior indenture. It does not
restate the indentures in their entireties. The indentures are governed by the Trust Indenture Act of 1939, as amended (the “Trust Indenture Act”). The terms of the debt securities include those stated in the indentures and those made part
of the indentures by reference to the Trust Indenture Act. We urge you to read the indentures because they, and not this description, define your rights as a holder of the debt securities. The following description is subject to and qualified by
reference to the terms of the final indentures and any supplement thereto.

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Information You Will Find in the Prospectus Supplement The indentures provide that we may issue debt securities from time to time in one or more series and that we may denominate the debt securities and make them payable in foreign currencies. The indentures do not limit the aggregate principal amount of debt securities that can be issued thereunder. The prospectus supplement for a series of debt securities will provide information relating to the terms of the series of debt securities being offered, which may include:

| • |     | the issue price and any original issue discount, if applicable, of the debt securities of the series; |

| • |     | the title and denominations of the debt securities of the series; |

| • |     | the aggregate principal amount and any limit on the aggregate principal amount of the debt securities of the 
 series;                                                                                                      |

| • |     | the date or dates on which the principal and premium, if any, with respect to the debt securities of the series               
 are payable, the amount or amounts of such payments or principal and premium, if any, or the method of determination thereof; |

| • |     | the amount payable upon acceleration; |

| • |     | the rate or rates, which may be fixed or variable, at which the debt securities of the series shall bear 
 interest, if any, or the method for determining such rate or rates of interest;                          |

| • |     | the person to whom such interest will be payable, if other than the person in whose name the debt securities are 
 registered;                                                                                                      |

| • |     | the dates from which such interest shall accrue or the method by