Company: HBAN
Filing Date: 2025-11-13
Form Type: S-4
Source: 0001140361-25-041757
Chunk: 61

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-11-13
Form: S-4
Chunk 61
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 policies that adversely affect the companies’ ability to maintain relationships with clients, customers, depositors and employees or to achieve the anticipated benefits and cost savings of the merger. Integration efforts between the two companies may also divert management attention and resources. These integration matters could have an adverse effect on the Huntington Parties and Cadence during this transition period and for an undetermined period after completion of the merger on Huntington.

The future results of Huntington following the merger may suffer if Huntington does not effectively manage its expanded operations .

Following the merger, the size of the business of Huntington will increase significantly beyond the current size of either the Huntington Parties’ or Cadence’s business. Following the merger, Huntington’s future success will depend, in part, upon its ability to manage this expanded business, which may pose challenges for management, including challenges related to the management and monitoring of new operations and associated increased costs and complexity. Huntington may also become subject to higher regulatory and supervisory standards from governmental authorities as a result of the significant increase in the size of its business after the consummation of the merger, which will cause Huntington to become subject to the standards applicable to Category III banking organizations under the Federal Reserve’s Regulation YY, following the applicable transition period. There can be no assurances that Huntington will be successful or that it will realize the expected operating efficiencies, cost savings, revenue enhancements or other benefits currently anticipated from the merger.

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Huntington may be unable to retain Huntington, Huntington National Bank or Cadence personnel successfully while the merger is pending or after the merger is completed .

The success of the merger will depend in part on Huntington’s ability to retain the talents and dedication of key employees currently employed by the Huntington Parties and Cadence. It is possible that these employees may decide not to remain with the Huntington Parties or Cadence, as applicable, while the merger is pending or with Huntington after the merger is consummated. If the Huntington Parties and Cadence are unable to retain key employees, including management, who are critical to the successful integration and future operations of the companies, the Huntington Parties and Cadence could face disruptions in their operations, loss of existing customers, loss of key information, expertise or know-how and unanticipated additional recruitment costs. In addition, if key employees terminate their employment, or if an insufficient number of employees are retained to maintain effective operations, Huntington’s business activities may be adversely affected and management’s attention may be diverted from successfully integrating Huntington National Bank and Cadence to hiring suitable replacements,