Company: HBAN
Filing Date: 2025-12-01
Form Type: S-4/A
Source: 0001140361-25-043815
Chunk: 167

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-12-01
Form: S-4/A
Chunk 167
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 rights in connection with the merger if, on the record date for the Cadence special meeting, Cadence’s shares are listed on a national securities exchange. Cadence common stock is currently listed on the NYSE, a national securities exchange, and is expected to continue to be so listed on the record date for the Cadence special meeting. Accordingly, the holders of Cadence common stock are not entitled to any appraisal or dissenters’ rights in connection with the merger.

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#### TABLE OF CONTENTS

### THE MERGER AGREEMENT
This section of the joint proxy statement/prospectus describes the material terms of the merger agreement. The description in this section and elsewhere in this joint proxy statement/prospectus is subject to, and qualified in its entirety by reference to, the complete text of the merger agreement, which is attached as

#### Annex A
to this joint proxy statement/prospectus and incorporated by reference herein. This summary does not purport to be complete and may not contain all of the information about the merger agreement that is important to you. We urge you to read the full text of the merger agreement, as it is the legal document governing the merger. This section is not intended to provide you with any factual information about Huntington or Cadence. Such information can be found elsewhere in this joint proxy statement/prospectus and in the public filings Huntington makes with the SEC and Cadence makes with the Federal Reserve (including any such documents of Cadence furnished by Huntington to the SEC), as described in the section entitled “Where You Can Find More Information” beginning on page 162 of this joint proxy statement/prospectus.

#### Explanatory Note Regarding the Merger Agreement
The merger agreement and this summary of terms are included to provide you with information regarding the terms of the merger agreement. Factual disclosures about the Huntington Parties and Cadence contained in this joint proxy statement/prospectus or in the public reports of Huntington or Cadence filed with the SEC and the Federal Reserve, respectively, may supplement, update or modify the factual disclosures about the Huntington Parties and Cadence contained in the merger agreement. The merger agreement contains representations and warranties by the Huntington Parties, on the one hand, and by Cadence, on the other hand, made solely for the benefit of the other. The representations, warranties and covenants made in the merger agreement by the Huntington Parties and Cadence were qualified and subject to important limitations agreed to by the Huntington Parties and Cadence in connection with negotiating the terms of