Company: HBAN
Filing Date: 2025-11-13
Form Type: S-4
Source: 0001140361-25-041757
Chunk: 168

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-11-13
Form: S-4
Chunk 168
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 provide you with any factual information about Huntington or Cadence. Such information can be found elsewhere in this joint proxy statement/prospectus and in the public filings Huntington makes with the SEC and Cadence makes with the Federal Reserve, as described in the section entitled “Where You Can Find More Information” beginning on page 162 of this joint proxy statement/prospectus.

#### Explanatory Note Regarding the Merger Agreement
The merger agreement and this summary of terms are included to provide you with information regarding the terms of the merger agreement. Factual disclosures about the Huntington Parties and Cadence contained in this joint proxy statement/prospectus or in the public reports of Huntington or Cadence filed with the SEC and the Federal Reserve, respectively, may supplement, update or modify the factual disclosures about the Huntington Parties and Cadence contained in the merger agreement. The merger agreement contains representations and warranties by the Huntington Parties, on the one hand, and by Cadence, on the other hand, made solely for the benefit of the other. The representations, warranties and covenants made in the merger agreement by the Huntington Parties and Cadence were qualified and subject to important limitations agreed to by the Huntington Parties and Cadence in connection with negotiating the terms of the merger agreement. In particular, in your review of the representations and warranties contained in the merger agreement and described in this summary, it is important to bear in mind that the representations and warranties were negotiated with the principal purpose of establishing circumstances in which a party to the merger agreement may have the right not to consummate the merger if the representations and warranties of the other party prove to be untrue due to a change in circumstance or otherwise, and allocating risk between the parties to the merger agreement, rather than establishing matters as facts. The representations and warranties also may be subject to a contractual standard of materiality different from that generally applicable to shareholders and reports and documents filed with the SEC and the Federal Reserve, and some were qualified by the matters contained in the confidential disclosure schedules that the Huntington Parties and Cadence each delivered in connection with the merger agreement and certain documents filed with the SEC. Moreover, information concerning the subject matter of the representations and warranties, which do not purport to be accurate as of the date of this joint proxy statement/prospectus, may have changed since the date of the merger agreement. Accordingly, the representations and warranties in the merger agreement should not be relied on by any persons as characterizations of the actual state of facts about the Huntington Parties and Cadence at the time they were made or otherwise and