Company: HBAN
Filing Date: 2025-11-13
Form Type: S-4
Source: 0001140361-25-041757
Chunk: 27

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-11-13
Form: S-4
Chunk 27
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 Huntington share issuance proposal and approval by holders of Cadence common stock of the Cadence merger proposal. For more information, see the section entitled “The Merger Agreement—Conditions to Completion of the Merger” beginning on page116. |

| Q: | What happens if the merger is not completed? |

| A: | If the merger is not completed, holders of Cadence common stock will not receive any consideration for their shares of Cadence common stock in connection with the merger. Instead, Cadence will remain an independent public company, Cadence common stock and Cadence preferred stock will continue to be listed on the NYSE, and Huntington will not complete the issuance of shares of Huntington common stock and new Huntington preferred stock pursuant to the merger agreement. In addition, if the merger agreement is terminated in certain circumstances, a termination fee of $296 million may be payable by either Huntington or Cadence to the other party, as applicable. See the section entitled “The Merger Agreement—Termination Fee” beginning on page119for a more detailed discussion of the circumstances under which a termination fee will be required to be paid. |

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TABLE OF CONTENTS

| Q: | Should I send in my stock certificates now? |

| A: | No. Please do not send in your stock certificates with your proxy. After the merger is completed, an exchange agent designated by Huntington and reasonably acceptable to Cadence (the “exchange agent”) will send you instructions for exchanging Cadence stock certificates for the consideration to be received in the merger. See the section entitled “The Merger Agreement—Conversion of Shares; Exchange of Cadence Stock Certificates” beginning on page104. |

| Q: | What should I do if I receive more than one set of voting materials for the same special meeting? |

| A: | If you hold shares of Huntington common stock or Cadence common stock in “street name” and also directly in your name as a holder of record or otherwise or if you hold shares of Huntington common stock or Cadence common stock in more than one (1) brokerage account, you may receive more than one (1) set of voting materials relating to the same special meeting. |

Record Holders . For shares held directly, please complete, sign, date and return each proxy card (or cast your vote by telephone or Internet as provided on each proxy card) or otherwise follow the voting instructions provided in this joint proxy statement/prospectus in order to ensure that all of your shares of Huntington common stock or Cadence