Company: HBAN
Filing Date: 2025-11-13
Form Type: S-4
Source: 0001140361-25-041757
Chunk: 2

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-11-13
Form: S-4
Chunk 2
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 until the registration statement filed with the U.S. Securities and Exchange Commission is effective. This joint proxy statement/prospectus does not constitute an offer to sell or the solicitation of offers to buy these securities in any jurisdiction where the offer or sale is not permitted.PRELIMINARY—SUBJECT TO COMPLETION—DATED NOVEMBER 12, 2025

To the Shareholders of Huntington Bancshares Incorporated and Cadence Bank MERGER PROPOSED—YOUR VOTE IS VERY IMPORTANT On behalf of the boards of directors of Huntington Bancshares Incorporated, a Maryland corporation (“Huntington”), and Cadence Bank, a Mississippi state-chartered bank (“Cadence”), we are pleased to enclose this joint proxy statement/prospectus relating to the proposed merger between The Huntington National Bank (“Huntington National Bank”), a wholly owned bank subsidiary of Huntington, and Cadence. We are requesting that you take certain actions as a holder of Huntington common stock or a holder of Cadence common stock. The boards of directors of Huntington and Cadence (the “Huntington board of directors” and the “Cadence board of directors,” respectively) have each unanimously approved an agreement to merge Huntington National Bank and Cadence. Pursuant to the Agreement and Plan of Merger, dated as of October 26, 2025, by and among Huntington, Huntington National Bank and Cadence (as amended from time to time, the “merger agreement”), Cadence will merge with and into Huntington National Bank (the “merger”), with Huntington National Bank as the surviving bank (the “surviving bank”). Following the merger of Huntington National Bank and Cadence, Huntington National Bank will continue to be a subsidiary of Huntington. The proposed merger will bring together two purpose-driven organizations with a deep commitment to the customers and communities they serve. With a history of caring for customers and colleagues, Huntington will have a strategic presence in twelve (12) of the top twenty-five (25) metropolitan statistical areas in the country, including six (6) of the top ten (10) fastest growing metropolitan statistical areas, and will extend the reach of the Huntington franchise to twenty-one (21) states. We believe that the merger will provide the opportunity for deeper investments in our communities and a better experience for our customers. We anticipate that following the merger, Huntington will have the scale to compete and the passion to serve. We believe that the merger will be a great benefit to all of our stakeholders and will drive significant opportunities for our team members. In the