Company: WSBC
Filing Date: 2025-09-11
Form Type: 424B5
Source: 0001193125-25-201360
Chunk: 67

Company: WESBANCO INC
Filing Date: 2025-09-11
Form: 424B5
Chunk 67
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 Plan or Non-ERISAArrangement subject to Similar Laws. Without limiting the foregoing, we have subsidiaries that provide services to many Plans and we may therefore be considered a “party in interest” and a “disqualified person” to a large number of Plans. A purchase of the depository shares by or on behalf of any such Plan could result in a prohibited transaction between the Plan and Wesbanco unless exemptive relief is available under an applicable exemption. In this regard, the United States Department of Labor has issued prohibited transaction class exemptions (“PTCEs”) that may provide exemptive relief for direct or indirect prohibited transactions resulting from the purchase, holding or disposition of depository shares. Those PTCEs include, without limitation:

| • |     | PTCE 96-23 for certain transaction determined by in-house asset managers; |

| • |     | PTCE 95-60 for certain transactions involving insurance company general 
 accounts;                                                               |

| • |     | PTCE 91-38 for certain transactions involving bank collective investment 
 funds;                                                                   |

| • |     | PTCE 90-1 for certain transactions involving insurance company pooled 
 separate accounts; and                                                |

| • |     | PTCE 84-14 for certain transactions determined by independent qualified 
 professional asset managers.                                            |

S-46

In addition, ERISA Section 408(b)(17) and Code Section 4975(d)(20) provide a
limited exemption for certain arm’s-length transactions with a person that is a party in interest (or disqualified person) solely by reason of providing services to plans or being an affiliate of such a
service provider. No assurance can be, or is, made that all of the conditions of any such exemptions or any other statutory or class exemptions will be available or satisfied with respect to transactions involving the depository shares.

A fiduciary of a Plan should consider the application of the rules and exemptions referred to above to the potential redemption of the
depositary shares by Wesbanco, in addition to the purchase, holding and disposition of the depository shares or the exercising of any rights related thereto by the Plan. The individual making the decision on behalf of a Plan or Non-ERISA Arrangement subject to Similar Laws (including the individual making the decision on behalf of any subsequent transferee that is a Plan or Non-ERISA Arrangement
subject to Similar Laws) shall be deemed, on behalf of the individual and the Plan or Non-ERISA Arrangement subject to Similar Laws