Company: HBAN
Filing Date: 2025-11-13
Form Type: S-4
Source: 0001140361-25-041757
Chunk: 18

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-11-13
Form: S-4
Chunk 18
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 on the Cadence merger proposal, the Cadence compensation proposal or the Cadence adjournment proposal or to exercise appraisal or dissenters’ rights. |

In the merger, each share of Cadence series A preferred stock issued and outstanding immediately prior to the effective time will automatically be converted at the effective time into the right to receive one (1) depositary share representing one one-thousandth (1/1000th) of a share of new Huntington preferred stock. For more information, see the sections entitled “The Merger—Treatment of Cadence Series A Preferred Stock” and “Description of New Huntington Preferred Stock” beginning on pages 99and 138, respectively.

| Q: | How does the Huntington board of directors recommend that I vote at the Huntington special meeting? |

| A: | The Huntington board of directors unanimously recommends that you vote “FOR” the Huntington share issuance proposal and “FOR” the Huntington adjournment proposal. |

| Q: | How does the Cadence board of directors recommend that I vote at the Cadence special meeting? |

| A: | The Cadence board of directors unanimously recommends that you vote “FOR” the Cadence merger proposal, “FOR” the Cadence compensation proposal and “FOR” the Cadence adjournment proposal. |

In considering the recommendations of the Cadence board of directors, holders of Cadence common stock should be aware that Cadence directors and executive officers may have interests in the merger that are different from, or in addition to, the interests of holders of Cadence common stock generally. For a more complete description of these interests, see the information provided in the section entitled “The Merger—Interests of Cadence’s Directors and Executive Officers in the Merger” beginning on page 91.

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TABLE OF CONTENTS

| Q: | Who is entitled to vote at the Huntington special meeting? |

| A: | The record date for the Huntington special meeting is the close of business on [  ], 2025. All holders of Huntington common stock who held shares at the close of business on the record date for the Huntington special meeting are entitled to receive notice of, and to vote at, the Huntington special meeting. |

Each holder of Huntington common stock is entitled to cast one (1) vote on each matter properly brought before the Huntington special meeting for each share of Huntington common stock that such holder owned of record as of the record date. Only the matters set forth in the Huntington notice of the meeting will be considered and