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

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-11-13
Form: S-4
Chunk 25
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, modified or qualified its recommendation? |

| A: | Yes. Unless the merger agreement is terminated before the Huntington special meeting, Huntington is required to submit the Huntington share issuance proposal to its shareholders even if the Huntington board of directors has withdrawn or modified the Huntington board recommendation (as defined in the section entitled “The Merger Agreement—Shareholder Meetings and Recommendation of Huntington’s and Cadence’s Boards of Directors”). |

| Q: | Will Cadence be required to submit the Cadence merger proposal to its shareholders even if the Cadence board of directors has withdrawn, modified or qualified its recommendation? |

| A: | Yes. Unless the merger agreement is terminated before the Cadence special meeting, Cadence is required to submit the Cadence merger proposal to its shareholders even if the Cadence board of directors has withdrawn or modified the Cadence board recommendation (as defined in the section entitled “The Merger Agreement—Shareholder Meetings and Recommendation of Huntington’s and Cadence’s Boards of Directors”). |

| Q: | Are holders of Huntington common stock entitled to appraisal or dissenters’ rights? |

| A: | No. Holders of Huntington common stock are not entitled to appraisal or dissenters’ rights under the MGCL. |

For more information, see the section entitled “The Merger—Appraisal or Dissenters’ Rights in the Merger” beginning on page 100.

| Q: | Are holders of Cadence common stock entitled to appraisal or dissenters’ rights? |

| A: | No. Holders of Cadence common stock are not entitled to appraisal or dissenters’ rights under the Mississippi Business Corporation Act (the “MBCA”). |

For more information, see the section entitled “The Merger—Appraisal or Dissenters’ Rights in the Merger” beginning on page 100.

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TABLE OF CONTENTS

| Q: | Are there any risks that I should consider in deciding whether to vote for the approval of the Huntington share issuance proposal or the approval of the Cadence merger proposal, or the other proposals to be considered at the Huntington special meeting and the Cadence special meeting, respectively? |

| A: | Yes. You should read and carefully consider the risk factors set forth in the section entitled “Risk Factors” beginning on page34. You also should read and carefully consider the risk factors of Huntington and Cadence contained in the documents that are incorporated by reference into this joint proxy statement/prospectus. |

| Q: | What are the material U.S. federal