Company: HBAN
Filing Date: 2025-12-01
Form Type: S-4/A
Source: 0001140361-25-043815
Chunk: 265

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-12-01
Form: S-4/A
Chunk 265
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 MERGER</div>

AGREEMENT AND PLAN OF MERGER, dated as of October 26, 2025 (this “ Agreement ”), by and among Huntington Bancshares Incorporated, a Maryland corporation (“ Huntington ”), The Huntington National Bank, a national bank and a wholly owned Subsidiary of Huntington (“ Huntington National Bank ” and together with Huntington, the “ Huntington Parties ”) and Cadence Bank, a Mississippi-chartered bank (“ Cadence ”).

<div align='center'>W I T N E S S E T H:</div>

WHEREAS, the Boards of Directors of Huntington, Huntington National Bank and Cadence have determined that it is in the best interests of their respective companies and their shareholders to consummate the strategic business combination transaction provided for herein, pursuant to which Cadence will, subject to the terms and conditions set forth herein, merge with and into Huntington National Bank (the “ Merger ”), so that Huntington National Bank is the surviving bank (hereinafter sometimes referred to in such capacity as the “ Surviving Bank ”);

WHEREAS, for U.S. federal income tax purposes, it is intended that the Merger shall qualify as a “reorganization” within the meaning of Section 368(a) of the Internal Revenue Code of 1986, as amended (the “ Code ”) and this Agreement is intended to be and is adopted as a “plan of reorganization” for purposes of Sections 354 and 361 of the Code; and

WHEREAS, the parties desire to make certain representations, warranties and agreements in connection with the Merger and also to prescribe certain conditions to the Merger.

NOW, THEREFORE, in consideration of the mutual covenants, representations, warranties and agreements contained herein, and intending to be legally bound hereby, the parties agree as follows:

## ARTICLE I
<div align='center'>THE MERGER</div>

1.1 The Merger . Subject to the terms and conditions of this Agreement, in accordance with the provisions of, and with the effects provided in, 12 U.S.C. § 215a-1, Article 11 of the Mississippi Business Corporation Act, as amended (the “ MBCA ”), and Chapter 5 of Title 81 of the Mississippi Code of 1972, as amended (the “ MS Code ”), at the Effective Time, Cadence shall merge with and into Huntington National Bank. Huntington National Bank shall be the Surviving Bank in the Merger and shall continue its corporate existence under the laws of