Company: HBAN
Filing Date: 2025-12-01
Form Type: S-4/A
Source: 0001140361-25-043815
Chunk: 5

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-12-01
Form: S-4/A
Chunk 5
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, bank, trustee or other nominee, please follow the instructions on the voting instruction form furnished to you by such record holder. If you do not vote, it will have the same effect as voting “AGAINST” the merger if you are a holder of Cadence common stock and will have no effect on the approval of the issuance of Huntington common stock in the merger if you are a holder of Huntington common stock. Each of our boards of directors unanimously recommends that holders of common stock vote “FOR” each of the proposals to be considered at the respective meetings.

| Stephen D. Steinour                                          
 Chairman of the Board, President and Chief Executive Officer 
 Huntington Bancshares Incorporated                           |     | James D. “Dan” Rollins III                        
 Chairman of the Board and Chief Executive Officer 
 Cadence Bank                                      |

Neither the Securities and Exchange Commission nor any state securities regulator has approved or disapproved the merger, including the issuance of Huntington common stock to be issued in connection with the merger, or the other transactions described in this joint proxy statement/prospectus, or determined if the accompanying joint proxy statement/prospectus is truthful or complete. Any representation to the contrary is a criminal offense. The securities to be issued in the merger are not savings or deposit accounts or other obligations of any bank or non-bank subsidiary of either Huntington or Cadence, and they are not insured by the Federal Deposit Insurance Corporation or any other governmental agency. These securities have not been approved or disapproved by the Board of Governors of the Federal Reserve System nor has the Board of Governors of the Federal Reserve System passed on the adequacy or accuracy of this offering circular. Any representation to the contrary is unlawful. This joint proxy statement/prospectus is dated December [ ], 2025, and is first being mailed to holders of Huntington common stock and holders of Cadence common stock on or about December [ ], 2025.

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### ADDITIONAL INFORMATION
This joint proxy statement/prospectus incorporates important business and financial information about Huntington and Cadence from other documents that are not included in or delivered with this joint proxy statement/prospectus. This information is available to you without charge upon your written or oral request. You can obtain the documents of Huntington incorporated by reference in this document through the Securities and Exchange Commission (the “SEC”) website at http://www.sec.gov or by requesting them in writing or by telephone at the appropriate address below. You can obtain the documents of Cadence filed with the Board of Governors of the Federal Reserve System (the “