Company: WSBC
Filing Date: 2025-09-11
Form Type: 424B5
Source: 0001193125-25-201360
Chunk: 95

Company: WESBANCO INC
Filing Date: 2025-09-11
Form: 424B5
Chunk 95
---
 holders of any of the subordinated debt 13

securities, such payment or distribution must be paid over to the holders of our senior debt or a person acting on their behalf, to be applied toward the payment of all of our senior debt remaining unpaid until all the senior debt has been paid in full. Subject to the payment in full of all of our senior debt, the rights of the holders of our subordinated debt securities will be subrogated to the rights of the holders of our senior debt. By reason of this subordination, in the event of a distribution of our assets upon our insolvency, certain of our general creditors may recover more, ratably, than holders of our subordinated debt securities. Governing Law The laws of the State of New York govern the existing indenture and will govern any other indentures and the debt securities issued under each of the indentures. “Street Name” and Other Indirect Holders Investors who hold securities in accounts at banks or brokers generally will not be recognized by us as legal holders of debt securities. This is called holding in “street name.” Instead, we would recognize only the bank or broker, or the financial institution that the bank or broker uses to hold its securities. These intermediary banks, brokers and other financial institutions pass along principal, interest and other payments on the debt securities, either because they agree to do so in their customer agreements or because they are legally required to do so. If you hold debt securities in “street name,” you should check with your own institution to find out, among other things:

| • |     | How it handles payments and notices; |

| • |     | Whether it imposes fees or charges; |

| • |     | How it would handle voting if applicable; |

| • |     | Whether and how you can instruct it to send you debt securities registered in your own name so you can be a 
 direct holder as described below; and                                                                       |

| • |     | If applicable, how it would pursue rights under your debt securities if there were a default or other event 
 triggering the need for holders to act to protect their interests.                                          |

Our obligations, as well as the obligations of the trustee under each of the indentures and those of any third parties employed by us or the trustee under each of the indentures, run only to persons who are registered as holders of debt securities issued under the applicable indenture. As noted above, we do not have obligations to you if you hold in “street name” or other indirect means