Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 53

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 53
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.S. Holder’s equity interest in us or (ii) is “not essentially equivalent to a dividend” with respect to the U.S. Holder. If a U.S. Holder owns none or only an insubstantial amount of our voting stock (actually or constructively, based on certain attribution rules), and does not exercise any control or management over our affairs, it is likely that the redemption of depositary shares would be considered “not essentially equivalent to a dividend.” If a redemption is not taxed in the same manner as a distribution, it will be taxed in the same manner as a sale or other disposition (as described in the previous paragraph). Information Reporting and Backup Withholding Payments of dividends on depositary shares, and the payment of proceeds from the sale or other disposition of depositary shares, generally are subject to information reporting and to backup withholding unless (i) the U.S. Holder is a corporation or other exempt recipient or (ii) in the case of backup withholding, the U.S. Holder provides a correct taxpayer identification number and certifies that it is not subject to backup withholding. Amounts withheld under the backup withholding rules are not additional taxes and may be refunded or credited against such U.S. Holder’s U.S. federal income tax liability and may entitle such U.S. Holder to a refund, provided that the required information is timely furnished to the Internal Revenue Service (the “IRS”). S-37

Tax Consequences to Non-U.S.Holders As used herein, the term “Non-U.S.Holder” means a beneficial owner of depositary shares that is, for U.S. federal tax purposes:

| • |     | a non-resident alien individual, other than certain former citizens and 
 residents of the United States subject to tax as expatriates;           |

| • |     | a foreign corporation; or |

| • |     | a foreign estate or trust. |

A “Non-U.S.Holder” does not include a non-residentalien individual who is present in the United States for 183 days or more in the taxable year of disposition. Such an individual is urged to consult his or her own tax adviser regarding the U.S. federal income tax consequences of the sale or other disposition of depositary shares. Dividends Dividends paid to a Non-U.S.Holder of depositary shares (including any redemption that is taxed as a dividend under the rules described above under “Tax Consequences to U.S. Holders—Sale, Redemption or Other Disposition of Depositary Shares”)