Company: HBAN
Filing Date: 2025-12-01
Form Type: S-4/A
Source: 0001140361-25-043815
Chunk: 37

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-12-01
Form: S-4/A
Chunk 37
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 the time immediately prior to the effective time of the merger. Regulatory Approvals (page 98) Subject to the terms of the merger agreement, Huntington and Cadence have agreed to cooperate with each other and use reasonable best efforts to promptly prepare and file all documentation to obtain as promptly as practicable all permits, consents, approvals and authorizations of all third parties and governmental entities which

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TABLE OF CONTENTS

are necessary or advisable to consummate the transactions contemplated by the merger agreement and to comply with the terms and conditions of all such permits, consents, approvals and authorizations of all such third parties and governmental entities. These approvals include the approval of the Office of the Comptroller of the Currency (“OCC”). The initial filing of the regulatory application to the OCC occurred on November 3, 2025. Although neither Huntington nor Cadence knows of any reason why it cannot obtain regulatory approval from the OCC in a timely manner, Huntington and Cadence cannot be certain when or if it will be obtained, or that the granting of such regulatory approval will not involve the imposition of conditions on the completion of the merger. Expected Timing of the Merger Huntington and Cadence expect the merger to close in the first quarter of 2026. However, neither Huntington nor Cadence can predict the actual date on which the merger will be completed, or if the merger will be completed at all, because completion is subject to conditions and factors outside the control of both companies. Huntington and Cadence must first obtain (i) the approval of holders of Huntington common stock for the issuance of Huntington common stock in connection with the merger and (ii) the approval of holders of Cadence common stock for the merger, as well as obtain necessary regulatory approvals and satisfy certain other closing conditions. Conditions to Completion of the Merger (page 116) As more fully described in this joint proxy statement/prospectus and in the merger agreement, the completion of the merger depends on a number of conditions being satisfied or, where legally permissible, waived. These conditions include:

| • | approval of the issuance of Huntington common stock in connection with the merger by the shareholders of Huntington by the requisite Huntington vote and approval of the merger agreement by the shareholders of Cadence by the requisite Cadence vote; |

| • | the shares of Huntington common stock and depositary shares in respect of new Huntington preferred stock issuable pursuant to the merger agreement having been authorized for listing on the NASDAQ, in each case subject to official notice of issuance; |

| •