Company: HBAN
Filing Date: 2025-10-28
Form Type: 425
Source: 0001140361-25-039508
Chunk: 12

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-10-28
Form: 425
Chunk 12
---
 the cultural elements. We spend a lot of time on that. And we'll begin that today. We'll be in Tupelo, Mississippi today. We've got 23 stops over the next 2 weeks, that the management team will be doing. We're going to touch more than half the colleagues in these first 2 weeks. And part of this will be with a view of engaging them, but also retaining the key colleagues, most of whom have already been contacted. Brantley J. Standridge Senior EVP and President of Consumer & Regional Banking Erika, if I could just add to that, what Steve is describing is really a partnership approach to these opportunities. And it's proven that, that leads to less disruption. And the company, as you've noted, has been successful in executing this approach. TCF was a great example. Veritex is off to an excellent start. And also, as you look at the build-out of the commercial bank and the commercial verticals that we've been able to build, that is another example of where this partnership approach can be quite significant. And the last comment I'll just reinforce is this has been a significant part of the diligence. Myself and Dan have actually traveled to a number of markets in the Huntington footprint so that, that team had a good understanding of our operating model and that -- so that we could assure going in that we would have a high level of alignment through this process. So we feel confident that we can deliver in these markets, and we feel confident that we'll have key leaders in place that can assist in doing that.

| Copyright © 2025 S&P Global Market Intelligence, a division of S&P Global Inc. All Rights reserved. | 9 |
| spglobal.com/marketintelligence                                                                     |   |

CADENCE BANK M&A CALL OCT 27, 2025

Erika Najarian UBS Investment Bank, Research Division I know it's super helpful for you guys to refer to that in the prepared remarks, the partnership approach. Operator Next question is coming from Manan Gosalia from Morgan Stanley. Manan Gosalia Morgan Stanley, Research Division Steve, I wanted to get your thoughts on scale and how important it is in today's world, especially in high-growth markets like Texas. And then maybe the other side of that question is, what does that mean for some of the other markets in the Southeast like the Carolinas and Florida, where you're continuing to invest? Stephen D. Steinour Chairman, President & CEO It