Company: HBAN
Filing Date: 2025-11-13
Form Type: S-4
Source: 0001140361-25-041757
Chunk: 6

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-11-13
Form: S-4
Chunk 6
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(800) 576-5007

Attn: Huntington Investor Relations</div>

For Cadence documents incorporated by reference:

<div align='center'>Cadence Bank

One Mississippi Plaza

201 South Spring Street

Tupelo, Mississippi 38804

(800) 698-7878

IR@Cadencebank.com

Attn: Corporate Secretary</div>

**You will not be charged for any of these documents that you request. To obtain timely delivery of these documents, you must request them no later than five (5) business days before the date of the applicable special meeting. This means that holders of Huntington common stock requesting documents must do so by [   ], in order to receive them before the Huntington special meeting, and holders of Cadence common stock requesting documents must do so by [   ], in order to receive them before the Cadence special meeting.

No one has been authorized to provide you with information that is different from that contained in, or incorporated by reference into, this joint proxy statement/prospectus. This joint proxy statement/prospectus is dated [   ], 2025, and you should assume that the information in this document is accurate only as of such date. You should assume that the information incorporated by reference into this document is accurate as of the date of such incorporated document. Neither the mailing of this joint proxy statement/prospectus to holders of Huntington common stock or holders of Cadence common stock nor the issuance by Huntington of shares of Huntington common stock in connection with the merger will create any implication to the contrary.

This joint proxy statement/prospectus does not constitute an offer to sell, or a solicitation of an offer to buy, any securities, or the solicitation of a proxy, in any jurisdiction to or from any person to whom it is unlawful to make any such offer or solicitation in such jurisdiction. Except where the context otherwise indicates, information contained in, or incorporated by reference into, this document regarding Cadence has been provided by Cadence and information contained in, or incorporated by reference into, this document regarding Huntington has been provided by Huntington.

See the section entitled “Where You Can Find More Information” beginning on page 162 of this joint proxy statement/prospectus for further information.

TABLE OF CONTENTS

Huntington Bancshares Incorporated 41 South High Street Columbus, Ohio 43287 NOTICE OF VIRTUAL SPECIAL MEETING OF SHAREHOLDERS To the Shareholders of Huntington Bancshares