Company: HBAN
Filing Date: 2025-12-01
Form Type: S-4/A
Source: 0001140361-25-043815
Chunk: 244

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-12-01
Form: S-4/A
Chunk 244
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TABLE OF CONTENTS

COMPARISON OF SHAREHOLDERS’ RIGHTS If the merger is completed, holders of Cadence common stock will receive shares of Huntington common stock in the merger and holders of Cadence series A preferred stock will receive shares of new Huntington preferred stock, and in both cases, they will cease to be shareholders of Cadence. Huntington is organized under the laws of the State of Maryland and Cadence is organized under the laws of the State of Mississippi. The following is a summary of the material differences between (1) the current rights of holders of Cadence common stock under Mississippi law and the Cadence articles of incorporation and Cadence bylaws and (2) the current rights of holders of Huntington common stock under Maryland law and the Huntington charter and Huntington bylaws. Huntington and Cadence believe that this summary describes the material differences between the rights of holders of Huntington common stock as of the date of this joint proxy statement/prospectus and the rights of holders of Cadence common stock as of the date of this joint proxy statement/prospectus; however, it does not purport to be a complete description of those differences. The summary is qualified in its entirety by reference to Huntington’s and Cadence’s governing documents, which we urge you to read carefully and in their entirety. Copies of Huntington’s and Cadence’s governing documents have been filed with the SEC and the Federal Reserve, respectively. To find out where copies of these documents can be obtained, see the section entitled “Where You Can Find More Information” beginning on page 162. For more information on the new Huntington preferred stock and the depositary shares issued in respect of the new Huntington preferred stock, 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.

|                                           |     | Huntington                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |     | Cadence                                                                                                                                                                                                                                                                           |
| Authorized and Outstanding Capital Stock: |     | Huntington’s charter currently authorizes Huntington to issue up to 2,250,000,000 shares of common stock, par value $0.01 per share, and 6,617,808 shares of serial preferred stock, par value $0.01 per share. Of the shares of serial preferred stock, 35,500 are shares of Huntington series B preferred stock, 5,000 are shares of Huntington series F preferred stock, 5,000 are shares of Huntington series