Company: UMBFO
Filing Date: 2025-03-14
Form Type: DEF 14A
Source: 0001193125-25-054504
Chunk: 8

Company: UMB FINANCIAL CORP
Filing Date: 2025-03-14
Form: DEF 14A
Chunk 8
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 matter may be properly considered at the Annual Meeting, your proxy can exercise discretion in voting your shares on the matter. We do not anticipate that any other matter will be presented at the Annual Meeting.

**Can I revoke or change my proxy?**

You may revoke or change your proxy at any time before the vote is taken at the Annual Meeting.

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If you are the record holder of UMB common stock, you may revoke or change your proxy in the following ways:

| • |     | by executing and delivering a later-dated proxy for the same shares in compliance with the requirements described in this Proxy Statement; |

| • |     | by voting the same shares again over the internet or telephone; |

| • |     | by submitting a virtual ballot at the Annual Meeting; or |

| • |     | by notifying the Secretary of your revocation of the proxy prior to the Annual Meeting. |

If you are the beneficial owner of UMB common stock, you must follow the directions provided to you by your broker, bank, or other nominee. Any beneficial owner of shares who wants to revoke a proxy prior to the Annual Meeting will, as previously noted, need to register in advance with Computershare in order to do so. Due to the limitations of a virtual meeting and the nature of a beneficial ownership, you may not be able to revoke or change your proxy during the Annual Meeting without registering in advance with Computershare, as outlined in Option #1 on page 3 of this Proxy Statement. If you hold shares through the Profit-Sharing Plan or the ESOP, you must follow the directions provided to you by the trustee. Who pays the costs of preparing the proxy materials and soliciting proxies? We will pay the costs of preparing the proxy materials and soliciting proxies on behalf of the Company and its nominees, including the reasonable charges and expenses of brokers, banks, and other nominees for forwarding proxy materials to beneficial owners and updating proxy cards and directions. We also have engaged Okapi Partners LLC to assist in the solicitation of proxies for a fee of $12,000 plus disbursements. In addition to our solicitation of proxies by mail, your proxy may be solicited by telephone, facsimile, internet, or e-mailor in person by directors, officers, or regular employees of UMB or its affiliates who will receive no additional compensation for doing so. 7

STOCK OWNERSHIP Principal Shareholders The following persons owned of record or beneficially owned (as