Company: HBAN
Filing Date: 2025-12-01
Form Type: S-4/A
Source: 0001140361-25-043815
Chunk: 164

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-12-01
Form: S-4/A
Chunk 164
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 received by holders of Cadence common stock in the merger is fair. Regulatory approval does not constitute an endorsement or recommendation of the merger.

Huntington and Cadence believe that the merger should not raise significant regulatory concerns and that they will be able to obtain all requisite regulatory approvals. However, there can be no assurance that the regulatory approvals described below will be obtained and, if obtained, there can be no assurances regarding the timing of the approvals, the companies’ ability to obtain the approvals on satisfactory terms or the absence of litigation challenging such approvals. In addition, there can be no assurance that such approvals will not impose conditions or requirements that, individually or in the aggregate, would or could reasonably be expected to have an adverse effect on the financial condition, results of operations, assets or business of Huntington following completion of the merger. There can likewise be no assurances that U.S. federal or state regulatory or competition authorities will not attempt to challenge the merger or, if such a challenge is made, what the result of such challenge will be.

#### Office of the Comptroller of the Currency
The merger of Cadence with and into Huntington National Bank requires the prior approval of the OCC under the National Bank Act and the Bank Merger Act. In evaluating the application, the OCC will consider: (i) the financial and managerial resources of the banks party to the merger and the future prospects of Huntington

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following the merger; (ii) the banks’ effectiveness in combating money-laundering activities; (iii) the extent to which the proposal would result in greater or more concentrated risks to the stability of the U.S. banking or financial system and (iv) the impact of the merger on competitiveness in affected banking markets.

In considering an application under the Bank Merger Act, the OCC also reviews the records of performance of the relevant insured depository institutions under the Community Reinvestment Act (the “CRA”), pursuant to which the OCC must also take into account the record of performance of Huntington National Bank and Cadence in meeting the credit needs of the entire community, including low- and moderate-income neighborhoods, served by each bank. In their most recent CRA performance evaluation, Huntington National Bank and Cadence each received an overall regulatory rating of “outstanding.”

Additionally, the OCC considers the capital level of the resulting bank, the conformity of the transaction to applicable law, the purpose of the merger and the impact of the merger on the safety and soundness of the bank. In addition