Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 66

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 66
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ulation.

Other UK offering restrictions

None of this prospectus supplement, the accompanying prospectus and any related free writing prospectus is a prospectus for the purposes of the
UK Prospectus Regulation. This prospectus supplement, the accompanying prospectus and any related free writing prospectus have been prepared on the basis that any offer of depositary shares in the UK will only be made to a legal entity which is a UK
Qualified Investor. Accordingly any person making or intending to make an offer in the UK of depositary shares which are the subject of the offering contemplated in this prospectus supplement, the accompanying prospectus and any related free writing
prospectus may only do so with respect to UK Qualified Investors. Neither UMB nor the underwriters have authorized, nor do they authorize, the making of any offer of depositary shares other than to UK Qualified Investors.

UK MiFIR product governance

Any
distributor subject to the FCA Handbook Product Intervention and Product Governance Sourcebook (the “UK MiFIR Product Governance Rules”) that is offering, selling or recommending the depositary shares is responsible for undertaking its own
target market assessment in respect of the depositary shares and determining appropriate distribution channels. Neither UMB nor the underwriters make any representations or warranties as to a distributor’s compliance with the UK MiFIR Product
Governance Rules.

Other UK regulatory restrictions

In the UK, this prospectus supplement, the accompanying prospectus and any related free writing prospectus are for distribution only to persons
who (i) have professional experience in matters relating to investments and who fall within the definition of investment professionals (as defined in Article 19(5) of the Financial Services and Markets Act 2000 (Financial Promotion) Order
2005, as amended (the “Financial Promotion Order”)), (ii) fall within Article 49(2)(a) to (d) of the Financial Promotion Order, or (iii) are other persons to whom it may otherwise lawfully be made under the Financial
Promotion Order (all such persons together being referred to as “Relevant Persons”). This prospectus supplement, the accompanying prospectus and any related free writing prospectus are directed only at Relevant Persons and must not be
acted on or relied on by persons in the UK who are not Relevant Persons. In the UK, any investment or investment activity to which this prospectus supplement, the accompanying prospectus and any related free writing prospectus and any other document
or materials relates will be engaged in only with Relevant Persons.