Company: UMBFO
Filing Date: 2025-04-11
Form Type: S-3ASR
Source: 0001193125-25-079117
Chunk: 24

Company: UMB FINANCIAL CORP
Filing Date: 2025-04-11
Form: S-3ASR
Chunk 24
---
 our other senior and unsubordinated debt. Any subordinated debt securities will have a junior position to
certain of our debt, as described in the subordinated securities themselves or under the supplemental indenture pursuant to which they are issued. Unless we otherwise provide, we may reopen a series, without the consent of the holders of the series,
for issuances of additional securities of that series.

We conduct a significant portion of our operations through our subsidiaries.
Therefore, holders of debt securities will have a position junior to the prior claims of creditors of our subsidiaries, including trade creditors, debtholders, secured creditors, taxing authorities and guarantee holders, and any preferred
shareholders, except to the extent that we may ourselves be a creditor with recognized and unsubordinated claims against any subsidiary. Our ability to pay principal and premium, if any, and interest on any debt securities is, to a large extent,
dependent upon the payment to us of dividends, distributions, 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.

20

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; |

| • |