Company: UMBFO
Filing Date: 2025-04-11
Form Type: S-3ASR
Source: 0001193125-25-079117
Chunk: 52

Company: UMB FINANCIAL CORP
Filing Date: 2025-04-11
Form: S-3ASR
Chunk 52
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 act with complete independence and free of circumscription in relation to the
Action; or

iv. in connection with any: (A) claim made against them for an accounting of profits made from the
purchase or sale by them of securities of the Corporation within the meaning of Section 16b of the Exchange Act or similar provisions of any applicable law, or (B) action, suit, or proceeding (or part thereof) initiated

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by such person claiming indemnification unless such action, suit, or proceeding (or part thereof) initiated by such person was authorized by the Board.

f.Advancement. To the extent permissible under applicable law, the right to indemnification of Executives shall
include the right to be paid by the Corporation reasonable Expenses (but not including any retainers or prepayments of fees, unless such retainers or prepayments are specifically approved), incurred in defending any such Action, in advance of its
final disposition, but only:

i. upon such Executive’s delivery to the Corporation of a written agreement, in which
they agree to repay all amounts advanced if it should be ultimately determined by a court or other tribunal or by the Board (or its designee) that: (A) such person is not entitled to be indemnified, or (B) such person is assessed a civil
money penalty by a bank regulatory agency, is removed or prohibited from banking, or is subject to a final order to cease an action or take an affirmative action by a bank regulatory agency, and

ii. until such time as a final determination regarding indemnification under subsection (d) has been made; provided, that
if indemnification is determined to not be proper, any advancement will immediately cease. If indemnification is determined to be proper, advancement of Expenses will continue.

g.Enforcement. If the claim of an Executive for indemnification under these Bylaws is not paid in full by the
Corporation within thirty (30) days after a written claim has been received by the Corporation, the claimant may bring suit against the Corporation to recover the unpaid amounts, and if successful in whole or in part, the claimant shall be
entitled to recover the expense of prosecuting such claim. Neither the failure of the Corporation to have made a determination prior to the commencement of such action that the claimant is entitled to indemnification under the circumstances, nor an
actual determination by the Corporation that the claimant is not entitled to indemnification, shall be a defense to the action or create