Company: HBAN
Filing Date: 2025-12-01
Form Type: S-4/A
Source: 0001140361-25-043815
Chunk: 11

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-12-01
Form: S-4/A
Chunk 11
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161 |
| WHERE YOU CAN FIND MORE INFORMATION                                   |     | 162 |
| ANNEX A                                                               |     | A-1 |
| ANNEX B                                                               |     | B-1 |
| ANNEX C                                                               |     | C-1 |

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TABLE OF CONTENTS

QUESTIONS AND ANSWERS The following are some questions that you may have about the merger and the Huntington special meeting or the Cadence special meeting, and brief answers to those questions. We urge you to read carefully the remainder of this joint proxy statement/prospectus because the information in this section does not provide all of the information that might be important to you with respect to the merger and the Huntington special meeting or the Cadence special meeting. Additional important information is also contained in the documents incorporated by reference into this joint proxy statement/prospectus. See the section entitled “Where You Can Find More Information” beginning on page 162. In this joint proxy statement/prospectus, unless the context otherwise requires:

| • | “Huntington” refers to Huntington Bancshares Incorporated, a Maryland corporation; |

| • | “Huntington common stock” refers to the common stock, par value $0.01 per share, of Huntington; |

| • | “Huntington National Bank” refers to The Huntington National Bank, a national bank and a wholly owned subsidiary of Huntington; |

| • | “Huntington Parties” refers to Huntington and Huntington National Bank, collectively; |

| • | “Huntington preferred stock” refers to Huntington’s serial preferred stock, par value $0.01 per share, which has the following designations: (i) floating rate series B non-cumulative perpetual preferred stock, par value $0.01 per share (“Huntington series B preferred stock”), (ii) 5.625% series F non-cumulative perpetual preferred stock, par value $0.01 per share (“Huntington series F preferred stock”), (iii) 4.450% series G non-cumulative perpetual preferred stock, par value $0.01 per share (“Huntington series G preferred stock”), (iv) 4.500% series H non-cumulative perpetual preferred stock, par value $0.01 per share (“Huntington series H preferred stock”), (v) 5.70% series I non-cumulative perpetual preferred stock, par value $0.01 per share (“Huntington series I preferred stock”), (vi) 6