<SEC-DOCUMENT>0001140361-25-039871.txt : 20251030
<SEC-HEADER>0001140361-25-039871.hdr.sgml : 20251030
<ACCEPTANCE-DATETIME>20251030163728
ACCESSION NUMBER:		0001140361-25-039871
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		15
CONFORMED PERIOD OF REPORT:	20251026
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20251030
DATE AS OF CHANGE:		20251030

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			HUNTINGTON BANCSHARES INC /MD/
		CENTRAL INDEX KEY:			0000049196
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		ORGANIZATION NAME:           	02 Finance
		EIN:				310724920
		STATE OF INCORPORATION:			MD
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-34073
		FILM NUMBER:		251436309

	BUSINESS ADDRESS:	
		STREET 1:		HUNTINGTON CTR
		STREET 2:		41 S HIGH ST HC0917
		CITY:			COLUMBUS
		STATE:			OH
		ZIP:			43287
		BUSINESS PHONE:		6144802265

	MAIL ADDRESS:	
		STREET 1:		HUNTINGTON CENTER
		STREET 2:		41 S HIGH ST HC0917
		CITY:			COLUMBUS
		STATE:			OH
		ZIP:			43287

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	HUNTINGTON BANCSHARES INC/MD
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
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<div id="DSPFiXBRLHidden" style="display: none;"><ix:header><ix:hidden><ix:nonNumeric name="dei:AmendmentFlag" id="Fact_df8134276e5b45658e8c82af8c65c137" contextRef="c20251026to20251026" format="ixt:fixed-false">false</ix:nonNumeric><ix:nonNumeric name="dei:EntityRegistrantName" id="Fact_f35630c102834724887ae6a49329a7c8" contextRef="c20251026to20251026">HUNTINGTON BANCSHARES INC /MD/</ix:nonNumeric><ix:nonNumeric name="dei:EntityCentralIndexKey" id="Fact_e741181a97644ee69e206763b1581fad" contextRef="c20251026to20251026">0000049196</ix:nonNumeric></ix:hidden><ix:references><link:schemaRef xlink:href="hban-20251026.xsd" xlink:type="simple"/></ix:references><ix:resources><xbrli:context id="c20251026to20251026"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000049196</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-10-26</xbrli:startDate><xbrli:endDate>2025-10-26</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c20251026to20251026_StatementClassOfStockAxis_CommonStockMember"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000049196</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2025-10-26</xbrli:startDate><xbrli:endDate>2025-10-26</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c20251026to20251026_StatementClassOfStockAxis_DepositarySharesEachRepresentingA11000thInterestInAShareOf570SeriesINonCumulativePerpetualPreferredStockMember"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000049196</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">hban:DepositarySharesEachRepresentingA11000thInterestInAShareOf570SeriesINonCumulativePerpetualPreferredStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2025-10-26</xbrli:startDate><xbrli:endDate>2025-10-26</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c20251026to20251026_StatementClassOfStockAxis_DepositarySharesEachRepresentingA140thInterestInAShareOf4500SeriesHNonCumulativePerpetualPreferredStockMember"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000049196</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">hban:DepositarySharesEachRepresentingA140thInterestInAShareOf4500SeriesHNonCumulativePerpetualPreferredStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2025-10-26</xbrli:startDate><xbrli:endDate>2025-10-26</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c20251026to20251026_StatementClassOfStockAxis_DepositarySharesEachRepresentingA140thInterestInAShareOf6875SeriesJNonCumulativePerpetualPreferredStockMember"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000049196</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">hban:DepositarySharesEachRepresentingA140thInterestInAShareOf6875SeriesJNonCumulativePerpetualPreferredStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2025-10-26</xbrli:startDate><xbrli:endDate>2025-10-26</xbrli:endDate></xbrli:period></xbrli:context></ix:resources></ix:header></div>
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    <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><a id="P274298715"></a><span style="font-size: 14pt;">UNITED STATES</span></div>

    <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>

    <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 12pt; font-weight: bold;">Washington, D.C. 20549</div>

    <div style="font-family: 'Times New Roman'; font-size: 10pt;"><br/>
    </div>

    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;">
      <hr style="height: 2px; width: 20%; color: #000000; background-color: #000000; text-align: center; border: none; margin-left: auto; margin-right: auto;"/></div>

    <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 18pt; font-weight: bold;">FORM <ix:nonNumeric name="dei:DocumentType" id="Fact_3825033060a048fca493bf191c1e7177" contextRef="c20251026to20251026">8-K</ix:nonNumeric></div>

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      <hr style="height: 2px; width: 20%; color: #000000; background-color: #000000; text-align: center; border: none; margin-left: auto; margin-right: auto;"/></div>

    <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">CURRENT REPORT</div>

    <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Pursuant to Section 13 OR 15(d)</div>

    <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">of The Securities Exchange Act of 1934</div>

    <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Date of Report (Date of earliest event reported)&#160; <ix:nonNumeric name="dei:DocumentPeriodEndDate" id="Fact_0b7741d21dcf420cbdc4e23db1d6aae4" contextRef="c20251026to20251026" format="ixt:date-monthname-day-year-en">October 26, 2025</ix:nonNumeric></div>

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      </span></div>

    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;"><img width="233" height="49" src="image1.jpg" alt="graphic" style="height: 49px; width: 233px;"/></div>

    <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 24pt; font-weight: bold;"><span style="-sec-ix-hidden:Fact_f35630c102834724887ae6a49329a7c8">Huntington Bancshares Incorporated</span><br/>
    </div>

    <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">(Exact name of registrant as specified in its charter)</div>

    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;">
      <hr style="height: 2px; width: 20%; color: #000000; background-color: #000000; text-align: center; border: none; margin-left: auto; margin-right: auto;"/></div>

    <div style="text-align: center;"><span style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; color: #000000;"> </span><span style="font-family: 'Times New Roman'; font-size: 10pt;"><br/>
      </span></div>

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    <td style="width: 37%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
            <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;">(State or other jurisdiction of incorporation or organization)</div>
          </td>

    <td style="width: 26%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
            <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;">(Commission File Number)</div>
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    <td style="width: 37%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
            <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;">(I.R.S. Employer Identification No.)</div>
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    <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Registrant&#8217;s address: <ix:nonNumeric name="dei:EntityAddressAddressLine1" id="Fact_0957536960ca44be8293bf2fa1d73921" contextRef="c20251026to20251026">41 South High Street</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressCityOrTown" id="Fact_9688df951c73448f92aa52508f68d89b" contextRef="c20251026to20251026">Columbus</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressStateOrProvince" id="Fact_e99b461e9f024a249873d86d39773c3e" contextRef="c20251026to20251026" format="ixt-sec:stateprovnameen">Ohio</ix:nonNumeric>
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    <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Registrant&#8217;s telephone number, including area code: (<ix:nonNumeric name="dei:CityAreaCode" id="Fact_dca290e483164f97ab48c80b9cf6a385" contextRef="c20251026to20251026">614</ix:nonNumeric>) <ix:nonNumeric name="dei:LocalPhoneNumber" id="Fact_98f567b36514406fbd95b54ebdb46b5b" contextRef="c20251026to20251026">480-2265</ix:nonNumeric></div>

    <div style="font-family: 'Times New Roman'; font-size: 10pt;"><br/>
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    <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Not Applicable</div>

    <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">(Former name or former address, if changed since last report.)</div>

    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;">
      <hr style="height: 2px; width: 20%; color: #000000; background-color: #000000; text-align: center; border: none; margin-left: auto; margin-right: auto;"/></div>

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    </div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the
      following provisions:</div>

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    <td style="width: auto; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">
            <div style="color: rgb(0, 0, 0);">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</div>
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    <td style="width: 22.55pt; vertical-align: top; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;"><ix:nonNumeric name="dei:SolicitingMaterial" id="Fact_299c75b0cf574af3a2a2c10cadcf1727" contextRef="c20251026to20251026" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></td>

    <td style="width: auto; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">
            <div style="color: rgb(0, 0, 0);">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</div>
          </td>

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          </td>

    <td style="width: auto; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">
            <div style="color: rgb(0, 0, 0);">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</div>
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    <td style="width: 22.55pt; vertical-align: top; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;"><ix:nonNumeric name="dei:PreCommencementIssuerTenderOffer" id="Fact_ae27f5c1275f40beb718d0120adc2fde" contextRef="c20251026to20251026" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></td>

    <td style="width: auto; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">
            <div style="color: rgb(0, 0, 0);">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</div>
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    <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Securities registered pursuant to Section 12(b) of the Act:</div>

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            <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;">Title of class</div>
          </td>

    <td style="width: 10%; vertical-align: bottom; border-bottom: #000000 2px solid; white-space: nowrap;">
            <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Trading</div>
            <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Symbol(s)</div>
          </td>

    <td style="width: 30%; vertical-align: bottom; border-bottom: #000000 2px solid; white-space: nowrap;">
            <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Name of exchange</div>
            <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">on which registered</div>
          </td>

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    <td style="width: 60%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
            <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;"><ix:nonNumeric name="dei:Security12bTitle" id="Fact_183c7b2b23a549ce83265e75a57fb0b4" contextRef="c20251026to20251026_StatementClassOfStockAxis_DepositarySharesEachRepresentingA140thInterestInAShareOf4500SeriesHNonCumulativePerpetualPreferredStockMember">Depositary Shares (each representing a 1/40th interest in a share of 4.500% Series H Non-Cumulative, perpetual preferred stock)</ix:nonNumeric><br/>
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    <td style="width: 10%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; text-align: center; font-weight: bold;"><ix:nonNumeric name="dei:TradingSymbol" id="Fact_cefe4f1b5f9c4dae9b339fa6d93c81c6" contextRef="c20251026to20251026_StatementClassOfStockAxis_DepositarySharesEachRepresentingA140thInterestInAShareOf4500SeriesHNonCumulativePerpetualPreferredStockMember">HBANP</ix:nonNumeric><br/>
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    <td style="width: 30%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><ix:nonNumeric name="dei:SecurityExchangeName" id="Fact_61172f3a7c5644f4bc50f9f1fbfbf186" contextRef="c20251026to20251026_StatementClassOfStockAxis_DepositarySharesEachRepresentingA140thInterestInAShareOf4500SeriesHNonCumulativePerpetualPreferredStockMember">NASDAQ</ix:nonNumeric></td>

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    <td style="width: 10%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
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            </div>
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            </div>
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    <td style="width: 60%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
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            </div>
          </td>

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            <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;">
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    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405) or Rule 12b-2 of
      the Securities Exchange Act of 1934 (&#167;240.12b-2).</div>

    <div style="text-align: right; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;"> <br/>
    </div>

    <div style="text-align: right; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Emerging growth company <ix:nonNumeric name="dei:EntityEmergingGrowthCompany" id="Fact_b1bf7c9d34ef48568aaab8d11d7c5377" contextRef="c20251026to20251026" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></div>

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    </div>

    <div style="text-align: left; margin-right: 0.1pt; margin-left: 0.1pt; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended
      transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. &#9744;</div>

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    <td style="width: 63pt; vertical-align: top; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Item 1.01.</td>

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            <div style="color: rgb(0, 0, 0); font-weight: bold;">Entry into a Material Definitive Agreement.</div>
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    <div> <br/>
    </div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">On October 26, 2025, Huntington Bancshares Incorporated, a Maryland corporation (&#8220;Huntington&#8221;), entered into an Agreement and Plan of Merger (the &#8220;Merger
      Agreement&#8221;) with The Huntington National Bank, a national bank and a wholly owned subsidiary of Huntington (&#8220;Huntington National Bank&#8221; and, together with Huntington, the &#8220;Huntington Parties&#8221;) and Cadence Bank, a Mississippi-chartered bank
      (&#8220;Cadence&#8221;).</div>

    <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">The Merger Agreement provides that, upon the terms and subject to the conditions set forth therein, Cadence will merge with and into Huntington National
      Bank (the &#8220;Merger&#8221;), with Huntington National Bank continuing as the surviving bank in the Merger.&#160; The Merger Agreement was unanimously approved by the boards of directors of each of Huntington, Huntington National Bank and Cadence.</div>

    <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Subject to the terms and conditions set forth in the Merger Agreement, at the effective time of the Merger (the &#8220;Effective Time&#8221;), each share of common
      stock, par value $2.50 per share, of Cadence (&#8220;Cadence Common Stock&#8221;) outstanding immediately prior to the Effective Time, including any Cadence restricted stock awards that vest solely as a result of the Merger, and other than certain shares held by
      Cadence or the Huntington Parties, will be converted into the right to receive 2.475 shares of common stock (the &#8220;Exchange Ratio&#8221;), par value $0.01 per share, of Huntington (&#8220;Huntington Common Stock&#8221;).&#160; Holders of Cadence Common Stock will receive
      cash in lieu of fractional shares.&#160; In addition, subject to the terms and conditions set forth in the Merger Agreement, at the Effective Time, each share of 5.50% Series A Non-Cumulative Perpetual Preferred Stock, par value $0.01 per share, of
      Cadence (the &#8220;Cadence Preferred Stock&#8221;) outstanding immediately prior to the Effective Time, will be automatically converted into the right to receive 1/1000 of a share of a newly created series of preferred stock of Huntington having powers,
      preferences or special rights that are not materially less favorable than the terms of the Cadence Preferred Stock (all shares of such newly created series, collectively, the &#8220;New Huntington Preferred Stock&#8221;) or depositary shares in respect thereof.</div>

    <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Subject to the terms and conditions of the Merger Agreement, at the Effective Time, (i) each outstanding Cadence restricted stock unit that is not held by a
      non-employee director of Cadence will convert into a Huntington restricted stock unit, with the number of shares adjusted based on the Exchange Ratio, (ii) each outstanding Cadence restricted stock unit that is held by a non-employee director of
      Cadence will accelerate in full and convert into a right to receive (A) Huntington Common Stock, with the numbers of shares adjusted based on the Exchange Ratio, and (B) a cash payment equal to the accrued dividend equivalents with respect to such
      unit, (iii) each outstanding Cadence performance stock unit award will convert into a Huntington restricted stock unit, with the number of shares underlying such award (x) deemed earned based on the greater of target and actual performance measured
      through the latest practicable date prior to the Effective Time (provided that, with respect to any Cadence performance stock unit award that is subject to a relative total shareholder return (&#8220;rTSR&#8221;) modifier and has a performance period ending
      after December 31, 2025, the rTSR modifier will be determined based on performance measured as of October 21, 2025) and (y) adjusted based on the Exchange Ratio, and (iv) each outstanding Cadence restricted stock award (other than those that vest
      solely as a result of the Merger) will convert into Huntington restricted stock, with the number of shares adjusted based on the Exchange Ratio. Each such converted Huntington award will otherwise continue to be subject to the same terms and
      conditions as applied to the corresponding Cadence award (excluding any performance-based vesting requirements) in effect immediately prior to the Effective Time.</div>

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    </div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">The Merger Agreement also provides, among other things, that Huntington will take all appropriate action so that three (3) current directors of Cadence will
      be appointed to the Board of Directors of Huntington.&#160; Each of the directors so appointed will be designated by Huntington, it being agreed that one of the designated directors will be James D. Rollins III, the Chairman and Chief Executive Officer of
      Cadence.</div>

    <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Additionally, the Merger Agreement provides that following the consummation of the Merger, Huntington will maintain the Cadence Bank Foundation and will
      dedicate any funds in the Cadence Bank Foundation at the Effective Time to supporting community development and reinvestment and civic and charitable activities within Cadence&#8217;s footprint.</div>

    <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">The Merger Agreement contains customary representations and warranties of the Huntington Parties and Cadence, and each of Huntington and Cadence has agreed
      to customary covenants, including, among others, covenants relating to (i) the conduct of its business during the interim period between the execution of the Merger Agreement and the Effective Time, (ii) its obligation to call a meeting of its
      shareholders to approve the Merger and the Merger Agreement, and, subject to certain exceptions, to recommend that its shareholders approve the Merger and the Merger Agreement and (iii) Cadence&#8217;s non-solicitation obligations relating to alternative
      business combination proposals.&#160; Cadence and Huntington have also agreed to use their reasonable best efforts to obtain all necessary permits, consents, approvals and authorizations for consummation of the transactions contemplated by the Merger
      Agreement.</div>

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    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">The completion of the Merger is subject to customary conditions, including (i) approval of the issuance of Huntington Common Stock in the Merger by
      Huntington&#8217;s shareholders and approval of the Merger Agreement by Cadence&#8217;s shareholders, (ii) authorization for listing on the NASDAQ Stock Market of the shares of Huntington Common Stock and New Huntington Preferred Stock (or depositary shares in
      respect thereof) to be issued in the Merger, in each case subject to official notice of issuance, (iii) the receipt of required regulatory approvals, including the approval of the Office of the Comptroller of the Currency, (iv) the effectiveness of
      the registration statement on Form S-4 for the shares of Huntington Common Stock and the New Huntington Preferred Stock (or depositary shares in respect thereof) to be issued in the Merger, and (v) the absence of any order, injunction, decree or
      other legal restraint preventing the completion of the Merger or any of the other transactions contemplated by the Merger Agreement or making the completion of the Merger or any of the other transactions contemplated by the Merger Agreement illegal.&#160;
      Each party&#8217;s obligation to complete the Merger is also subject to certain additional customary conditions, including (i) subject to certain exceptions, the accuracy of the representations and warranties of the other party, (ii) performance in all
      material respects by the other party of its obligations under the Merger Agreement and (iii) receipt by such party of an opinion of counsel to the effect that the Merger will qualify as a &#8220;reorganization&#8221; within the meaning of Section 368(a) of the
      Internal Revenue Code of 1986, as amended.</div>

    <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">The Merger Agreement provides certain termination rights for the Huntington Parties and Cadence and further provides that a termination fee of $296,000,000
      will be payable by either Huntington or Cadence, as applicable, in the event of a termination of the Merger Agreement under certain circumstances.</div>

    <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">The representations, warranties and covenants of each party set forth in the Merger Agreement have been made only for the purposes of, and were and are
      solely for the benefit of the parties to, the Merger Agreement, may be subject to limitations agreed upon by the contracting parties, including being qualified by confidential disclosures made for the purposes of allocating contractual risk between
      the parties to the Merger Agreement instead of establishing these matters as facts, and may be subject to standards of materiality applicable to the parties that differ from those applicable to investors.&#160; Accordingly, the representations and
      warranties may not describe the actual state of affairs at the date they were made or at any other time, and investors should not rely on them as statements of fact.&#160; In addition, such representations and warranties (i) will not survive consummation
      of the Merger and (ii) were made only as of the date of the Merger Agreement or such other date as is specified in the Merger Agreement.&#160; Moreover, information concerning the subject matter of the representations and warranties may change after the
      date of the Merger Agreement, which subsequent information may or may not be fully reflected in the parties&#8217; public disclosures.&#160; Accordingly, the Merger Agreement is included with this filing only to provide investors with information regarding the
      terms of the Merger Agreement, and not to provide investors with any other factual information regarding Huntington or Cadence, their respective affiliates or their respective businesses.&#160; The Merger Agreement should not be read alone, but should
      instead be read in conjunction with the other information regarding the Huntington Parties, Cadence, their respective affiliates or their respective businesses, the Merger Agreement and the Merger, that will be contained in, or incorporated by
      reference into, the registration statement on Form S-4 that will include a joint proxy statement of Huntington and Cadence and also constitute a prospectus of Huntington, as well as in the Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q,
      Current Reports on Form 8-K and other filings that Huntington makes with the Securities and Exchange Commission (the &#8220;SEC&#8221;) and that Cadence makes with the Board of Governors of the Federal Reserve System.</div>

    <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">The foregoing description of the Merger Agreement does not purport to be complete and is qualified in its entirety by reference to the full text of the
      Merger Agreement, which is attached hereto as Exhibit 2.1 and is incorporated herein by reference.</div>

    <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

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    <td style="width: 63pt; vertical-align: top; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Item 9.01.</td>

    <td style="width: auto; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">
            <div style="color: rgb(0, 0, 0); font-weight: bold;">Financial Statements and Exhibits.</div>
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    <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;"><span style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">(d)</span><span style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;
        <span style="font-weight: bold;">Exhibits</span></span></div>

    <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

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            <div>
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Exhibit No.</div>
            </div>
          </td>

    <td style="width: 5%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td style="width: 85%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Description of Exhibit</div>
            </div>
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            <div style="text-align: left;"><a href="ef20057903_ex2-1.htm">2.1</a></div>
          </td>

    <td style="width: 5%; vertical-align: middle; font-family: 'Times New Roman'; font-size: 10pt; background-color: rgb(204, 238, 255);">&#160;</td>

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            <div style="text-align: left; color: rgb(0, 0, 0);">Agreement and Plan of Merger, dated as of October 26, 2025, by and among Huntington Bancshares Incorporated, The Huntington National Bank and Cadence Bank.*</div>
          </td>

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    <td rowspan="1" style="width: 10.46%; vertical-align: middle; font-family: 'Times New Roman'; font-size: 10pt; white-space: nowrap;">&#160;</td>

    <td rowspan="1" style="width: 5%; vertical-align: middle; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td rowspan="1" style="width: 85%; vertical-align: middle; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

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            <div style="text-align: left;">104</div>
          </td>

    <td style="width: 5%; vertical-align: middle; font-family: 'Times New Roman'; font-size: 10pt; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 85%; vertical-align: middle; font-family: 'Times New Roman'; font-size: 10pt; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; color: rgb(0, 0, 0);">Cover Page Interactive Data File - the cover page XBRL tags are embedded within the Inline XBRL document.</div>
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    <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">*Pursuant to Item 601(b)(2) of Regulation S-K, certain schedules and similar attachments have been omitted. The registrant hereby agrees to furnish a copy of any omitted
      schedule or similar attachment to the SEC upon request.</div>

    <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">CAUTION REGARDING FORWARD-LOOKING STATEMENTS</div>

    <div style="font-family: 'Times New Roman'; font-size: 10pt;"><br/>
    </div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">This communication may contain certain forward-looking statements, including, but not limited to, certain plans, expectations, goals, projections, and statements about the
      benefits of the proposed transaction, the plans, objectives, expectations and intentions of Huntington Bancshares Incorporated (&#8220;<span style="text-decoration: underline;">Huntington</span>&#8221;) and Cadence Bank (&#8220;<span style="text-decoration: underline;">Cadence</span>&#8221;), the expected timing of completion of the transaction, and other
      statements that are not historical facts.&#160; Such statements are subject to numerous assumptions, risks, estimates, uncertainties and other important factors that change over time and could cause actual results to differ materially from any results,
      performance, or events expressed or implied by such forward-looking statements, including as a result of the factors referenced below.&#160; Statements that do not describe historical or current facts, including statements about beliefs and expectations,
      are forward-looking statements.&#160; Forward-looking statements may be identified by words such as expect, anticipate, continue, believe, intend, estimate, plan, trend, objective, target, goal, or similar expressions, or future or conditional verbs such
      as will, may, might, should, would, could, or similar variations.&#160; The forward-looking statements are intended to be subject to the safe harbor provided by Section 27A of the Securities Act of 1933, Section 21E of the Securities Exchange Act of 1934,
      and the Private Securities Litigation Reform Act of 1995.</div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;"> <br/>
    </div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Huntington and Cadence caution that the forward-looking statements in this communication are not guarantees of future performance and involve a number of known and unknown
      risks, uncertainties and assumptions that are difficult to assess and are subject to change based on factors which are, in many instances, beyond Huntington&#8217;s and Cadence&#8217;s control.&#160; While there is no assurance that any list of risks and
      uncertainties or risk factors is complete, below are certain factors which could cause actual results to differ materially from those contained or implied in the forward-looking statements or historical performance: changes in general economic,
      political, or industry conditions; deterioration in business and economic conditions, including persistent inflation, supply chain issues or labor shortages, instability in global economic conditions and geopolitical matters, as well as volatility in
      financial markets; changes in U.S. trade policies, including the imposition of tariffs and retaliatory tariffs; the impact of pandemics and other catastrophic events or disasters on the global economy and financial market conditions and our business,
      results of operations, and financial condition; the impacts related to or resulting from bank failures and other volatility, including potential increased regulatory requirements and costs, such as Federal Deposit Insurance Corporation (the &#8220;<span style="text-decoration: underline;">FDIC</span>&#8221;)




      special assessments, long-term debt requirements and heightened capital requirements, and potential impacts to macroeconomic conditions, which could affect the ability of depository institutions, including us, to attract and retain depositors and to
      borrow or raise capital; unexpected outflows of uninsured deposits which may require us to sell investment securities at a loss; changing interest rates which could negatively impact the value of our portfolio of investment securities; the loss of
      value of our investment portfolio which could negatively impact market perceptions of us and could lead to deposit withdrawals; the effects of social media on market perceptions of us and banks generally; cybersecurity risks; uncertainty in U.S.
      fiscal and monetary policy, including the interest rate policies of the Board of Governors of the Federal Reserve System (the &#8220;<span style="text-decoration: underline;">Federal Reserve</span>&#8221;); volatility and disruptions in global capital, foreign exchange and credit markets; movements in
      interest rates; competitive pressures on product pricing and services; success, impact, and timing of our business strategies, including market acceptance of any new products or services including those implementing our &#8220;Fair Play&#8221; banking
      philosophy; changes in policies and standards for regulatory review of bank mergers; the nature, extent, timing, and results of governmental actions, examinations, reviews, reforms, regulations, and interpretations, including those related to the
      Dodd-Frank Wall Street Reform and Consumer Protection Act and the Basel III regulatory capital reforms, as well as those involving the Securities and Exchange Commission (the &#8220;<span style="text-decoration: underline;">SEC</span>&#8221;), the Office of the Comptroller of the Currency, Federal
      Reserve, FDIC, the Consumer Financial Protection Bureau and state-level regulators; the occurrence of any event, change or other circumstances that could give rise to the right of one or both of the parties to terminate the merger agreement between
      Huntington and Cadence; the outcome of any legal proceedings that may be instituted against Huntington or Cadence; delays in completing the proposed transaction involving Huntington and Cadence; the failure to obtain necessary regulatory approvals
      (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the transaction); the failure to obtain Huntington shareholder approval or Cadence shareholder
      approval or to satisfy any of the other conditions to the transaction on a timely basis or at all; the possibility that the anticipated benefits of the transaction are not realized when expected or at all, including as a result of the impact of, or
      problems arising from, the integration of the two companies or as a result of the strength of the economy and competitive factors in the areas where Huntington and Cadence do business; the possibility that the transaction may be more expensive to
      complete than anticipated, including as a result of unexpected factors or events; the ability of Huntington and Cadence to meet expectations regarding the timing, completion and accounting and tax treatment of the transaction; diversion of
      management&#8217;s attention from ongoing business operations and opportunities; potential adverse reactions or changes to business, customer or employee relationships, including those resulting from the announcement or completion of the transaction; the
      ability to complete the transaction and integration of Huntington and Cadence successfully; the dilution caused by Huntington&#8217;s issuance of additional shares of its capital stock in connection with the transaction; and other factors that may affect
      the future results of Huntington and Cadence. Additional factors that could cause results to differ materially from those described above can be found in Huntington&#8217;s Annual Report on Form 10-K for the year ended December 31, 2024 and in its
      subsequent Quarterly Reports on Form 10-Q, including for the quarter ended June 30, 2025, each of which is on file with the SEC and available on the &#8220;Investor Relations&#8221; section of Huntington&#8217;s website, http://www.huntington.com, under the heading
      &#8220;Investor Relations&#8221; and in other documents Huntington files with the SEC, and in Cadence&#8217;s Annual Report on Form 10-K for the year ended December 31, 2024 and in its subsequent Quarterly Reports on Form 10-Q, including for the quarter ended June 30,
      2025, each of which is on file with the Federal Reserve and available on Cadence&#8217;s investor relations website, ir.cadencebank.com, under the heading &#8220;Public Filings&#8221; and in other documents Cadence files with the Federal Reserve.</div>

    <div style="font-family: 'Times New Roman'; font-size: 10pt;"><br/>
    </div>

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        <hr style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"/></div>

    </div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">All forward-looking statements are expressly qualified in their entirety by the cautionary statements set forth above.&#160; Forward-looking statements speak only as of the date
      they are made and are based on information available at that time.&#160; Neither Huntington nor Cadence assume any obligation to update forward-looking statements to reflect actual results, new information or future events, changes in assumptions or
      changes in circumstances or other factors affecting forward-looking statements that occur after the date the forward-looking statements were made or to reflect the occurrence of unanticipated events except as required by federal securities laws.&#160; If
      Huntington or Cadence updates one or more forward-looking statements, no inference should be drawn that Huntington or Cadence will make additional updates with respect to those or other forward-looking statements.&#160; As forward-looking statements
      involve significant risks and uncertainties, caution should be exercised against placing undue reliance on such statements.</div>

    <div style="text-align: left;"><span style="font-size: 10pt; font-family: 'Times New Roman';"> <br/>
      </span></div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">IMPORTANT ADDITIONAL INFORMATION</div>

    <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">In connection with the proposed transaction, Huntington will file with the SEC a Registration Statement on Form S-4 that will include a Joint Proxy Statement of Huntington
      and Cadence and a Prospectus of Huntington, as well as other relevant documents concerning the proposed transaction.&#160; The proposed transaction involving Huntington and Cadence will be submitted to Huntington&#8217;s shareholders and Cadence&#8217;s shareholders
      for their consideration.&#160; This communication does not constitute an offer to sell or the solicitation of an offer to buy any securities or a solicitation of any vote or approval, nor shall there be any sale of securities in any jurisdiction in which
      such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of any such jurisdiction.&#160; INVESTORS, SHAREHOLDERS OF HUNTINGTON AND SHAREHOLDERS OF CADENCE ARE URGED TO READ THE REGISTRATION
      STATEMENT AND THE JOINT PROXY STATEMENT/PROSPECTUS REGARDING THE TRANSACTION WHEN IT BECOMES AVAILABLE AND ANY OTHER RELEVANT DOCUMENTS FILED WITH THE SEC AND THE FEDERAL RESERVE, AS WELL AS ANY AMENDMENTS OR SUPPLEMENTS TO THOSE DOCUMENTS, BECAUSE
      THEY WILL CONTAIN IMPORTANT INFORMATION. Shareholders will be able to obtain a free copy of the definitive joint proxy statement/prospectus, as well as other filings containing information about Huntington and Cadence, without charge, at the SEC&#8217;s
      website (http://www.sec.gov) and Cadence&#8217;s website (https://ir.cadencebank.com/fdic-federal-reserve-filings), respectively.&#160; Copies of the joint proxy statement/prospectus, when available, and the filings with the SEC and the Federal Reserve that
      will be incorporated by reference in the joint proxy statement/prospectus can also be obtained, without charge, by directing a request to Huntington Investor Relations, Huntington Bancshares Incorporated, Huntington Center, 41 South High Street,
      Columbus, Ohio 43287, (800) 576-5007.&#160; Copies of the joint proxy statement/prospectus, when available, and filings containing information about Cadence may be obtained after their filing with the Federal Reserve at
      (https://ir.cadencebank.com/fdic-federal-reserve-filings), by directing a request to Will Fisackerly, Cadence Investor Relations, Cadence Bank, (800) 698-7878, IR@cadencebank.com.&#160; References to Cadence&#8217;s website does not constitute incorporation by
      reference of the information contained on the website and is not, and should not be, deemed part of this filing.</div>

    <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

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    </div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">PARTICIPANTS IN THE SOLICITATION</div>

    <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Huntington, Cadence, and certain of their respective directors and executive officers may be deemed to be participants in the solicitation of proxies from the shareholders
      of Huntington and shareholders of Cadence in connection with the proposed transaction.&#160; Information regarding the interests of the directors and executive officers of Huntington and Cadence and other persons who may be deemed to be participants in
      the solicitation of shareholders of Huntington and Cadence in connection with the transaction and a description of their direct and indirect interests, by security holdings or otherwise, will be included in the definitive joint proxy
      statement/prospectus related to the transaction, which will be filed by Huntington with the SEC.&#160; Information regarding Huntington&#8217;s directors and executive officers is available in its definitive joint proxy statement relating to its 2025 Annual
      Meeting of Shareholders, which was filed with the SEC on March 6, 2025, and other documents filed by Huntington with the SEC.&#160; Information regarding Cadence&#8217;s directors and executive officers is available in its definitive proxy statement relating to
      its 2025 Annual Meeting of Shareholders, which was filed with the Federal Reserve on March 14, 2025, and other documents filed by Cadence with the Federal Reserve.&#160; Other information regarding the participants in the proxy solicitation and a
      description of their direct and indirect interests, by security holdings or otherwise, will be contained in the joint proxy statement/prospectus and other relevant materials filed with the SEC and the Federal Reserve by Huntington and Cadence,
      respectively.&#160; Free copies of these documents may be obtained as described above under &#8220;Important Additional Information.&#8221;</div>

    <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

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    </div>

    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">SIGNATURES</div>

    <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

    <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the
      undersigned hereunto duly authorized.</div>

    <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

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    <td style="vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;" colspan="2">
            <div style="text-align: left;">HUNTINGTON BANCSHARES INCORPORATED</div>
          </td>

  </tr>

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    <td style="width: 50%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;" rowspan="1">&#160;</td>

    <td style="vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;" colspan="2" rowspan="1">&#160;</td>

  </tr>

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    <td style="width: 50%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
            <div style="text-align: left;">Date:&#160; October 30, 2025</div>
          </td>

    <td style="width: 5%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
            <div style="text-align: left;">By:</div>
          </td>

    <td style="width: 45%; vertical-align: top; border-bottom: 2px solid black; font-family: 'Times New Roman'; font-size: 10pt;">
            <div style="text-align: left;">/s/ Marcy C. Hingst&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</div>
          </td>

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    <td style="width: 50%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td style="width: 5%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td style="width: 45%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
            <div style="text-align: left;">Marcy C. Hingst</div>
          </td>

  </tr>

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    <td style="width: 50%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td style="width: 5%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td style="width: 45%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
            <div style="text-align: left;">General Counsel</div>
          </td>

  </tr>


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    <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

    <div><br/></div>

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<DOCUMENT>
<TYPE>EX-2.1
<SEQUENCE>2
<FILENAME>ef20057903_ex2-1.htm
<DESCRIPTION>EXHIBIT 2.1
<TEXT>
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  <head>
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      <div style="text-align: center; color: #000000; font-size: 12pt;"><font style="font-size: 10pt;"><a name="z_Hlk210993747"></a></font></div>
      <div style="text-align: right; color: rgb(0, 0, 0); font-size: 12pt;"> <font style="font-weight: bold; font-size: 10pt;">Exhibit 2.1</font><font style="font-size: 10pt;"><br>
        </font></div>
      <div style="text-align: center; color: #000000; font-size: 12pt;"> <font style="font-size: 10pt;"><br>
        </font></div>
      <div style="text-align: center; color: rgb(0, 0, 0);">AGREEMENT AND PLAN OF MERGER</div>
      <div>&#160;</div>
      <div style="text-align: center; color: rgb(0, 0, 0);">by and among</div>
      <div>&#160;</div>
      <div style="text-align: center; color: rgb(0, 0, 0);">HUNTINGTON BANCSHARES INCORPORATED,</div>
      <div>&#160;</div>
      <div style="text-align: center; color: rgb(0, 0, 0);">THE HUNTINGTON NATIONAL BANK</div>
      <div>&#160;</div>
      <div style="text-align: center; color: rgb(0, 0, 0);">and</div>
      <div>&#160;</div>
      <div style="text-align: center; color: rgb(0, 0, 0);">CADENCE BANK</div>
      <div>&#160;
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      <br>
      <div style="text-align: center; color: rgb(0, 0, 0);">Dated as of October 26, 2025</div>
      <div style="text-align: center; color: rgb(0, 0, 0);"> <br>
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      <div style="text-align: center; color: rgb(0, 0, 0);">TABLE OF CONTENTS</div>
      <div>&#160;</div>
      <div style="text-align: center;">ARTICLE I</div>
      <div>&#160;</div>
      <div style="text-align: center;">THE MERGER</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" border="0" id="z6772721d9dd4495db39ec4059224cbad" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>1.1</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>The Merger</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>1.2</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Closing</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>1.3</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Effective Time</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>1.4</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Effects of the Merger</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>1.5</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Conversion of Cadence Common Stock</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>1.6</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Cadence Preferred Stock</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">3</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>1.7</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Huntington Common Stock</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">3</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>1.8</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Treatment of Cadence Equity Awards</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">4</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>1.9</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Charter of Surviving Bank</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">5</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>1.10</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Bylaws of Surviving Bank</div>
            </td>
            <td style="width: 5%; vertical-align: top; text-align: right;">5</td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>1.11</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Tax Consequences</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255); text-align: right;">5</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="2">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="3">
              <div style="text-align: center;">ARTICLE II</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">&#160;</td>
            <td style="width: 88%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="3">
              <div style="text-align: center;">EXCHANGE OF SHARES</div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="2">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>2.1</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Huntington to Make Consideration Available</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">6</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>2.2</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Exchange of Shares</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">6</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 88%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="3">
              <div style="text-align: center;">ARTICLE III</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">&#160;</td>
            <td style="width: 88%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="3">
              <div style="text-align: center;">REPRESENTATIONS AND WARRANTIES OF CADENCE</div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="2">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>3.1</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Corporate Organization</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">10</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>3.2</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Capitalization</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">11</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>3.3</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Authority; No Violation</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">12</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>3.4</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Consents and Approvals</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">13</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>3.5</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Reports</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">14</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>3.6</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Financial Statements</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">15</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>3.7</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Broker&#8217;s Fees</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">16</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>3.8</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Absence of Certain Changes or Events</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">17</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>3.9</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Legal Proceedings</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">17</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>3.10</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Taxes and Tax Returns</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">17</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>3.11</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Employees and Employee Benefit Plans</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">19</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>3.12</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Compliance with Applicable Law</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">22</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>3.13</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Certain Contracts</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">24</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>3.14</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Agreements with Regulatory Agencies</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">25</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>3.15</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Risk Management Instruments</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">26</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>3.16</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Environmental Matters</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">26</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>3.17</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Investment Securities</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">27</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>3.18</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Real Property</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">27</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-i-</font></div>
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="zcac9ff227a344ce6b889e65cfa080781">

          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>3.19</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Intellectual Property; Information Technology</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">28</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>3.20</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Related Party Transactions</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">28</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>3.21</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Takeover Restrictions</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">29</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>3.22</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Reorganization</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">29</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>3.23</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Opinion</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">29</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>3.24</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Cadence Information</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">29</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>3.25</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Loan Portfolio</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>3.26</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Insurance</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>3.27</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Investment Advisor Subsidiary</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>3.28</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>No Broker-Dealer Subsidiary</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>3.29</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>No Other Representations or Warranties</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">31</div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="2">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="3">
              <div style="text-align: center;">ARTICLE IV</div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="2">&#160;&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="3">
              <div style="text-align: center;">REPRESENTATIONS AND WARRANTIES OF HUNTINGTON PARTIES</div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="2">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>4.1</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Corporate Organization</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">32</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>4.2</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Capitalization</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">33</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>4.3</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Authority; No Violation</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">34</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>4.4</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Consents and Approvals</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">35</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>4.5</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Reports</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">36</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>4.6</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Financial Statements</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">37</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>4.7</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Broker&#8217;s Fees</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">38</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>4.8</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Absence of Certain Changes or Events</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">38</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>4.9</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Legal Proceedings</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">39</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>4.10</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Taxes and Tax Returns</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">39</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>4.11</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Compliance with Applicable Law</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">39</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>4.12</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Certain Contracts</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">41</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>4.13</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Agreements with Regulatory Agencies</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">42</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>4.14</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Information Technology</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">42</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>4.15</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Related Party Transactions</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">42</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>4.16</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Takeover Restrictions</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">43</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>4.17</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Reorganization</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">43</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>4.18</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Investment Securities</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">43</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>4.19</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Opinion</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">43</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>4.20</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Risk Management Instruments</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">43</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>4.21</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Huntington Information</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">44</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>4.22</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Employee Benefit Plans</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">44</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>4.23</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Loan Portfolio.</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">45</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>4.24</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>No Other Representations or Warranties</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">46</div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="2">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="3">
              <div style="text-align: center;">ARTICLE V</div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="2">&#160;&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="3">
              <div style="text-align: center;">COVENANTS RELATING TO CONDUCT OF BUSINESS</div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="2">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>5.1</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Conduct of Business Prior to the Effective Time</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">46</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>5.2</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Cadence Forbearances</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">46</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-ii-</font></div>
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="ze612335f2fb54ab98cfdbd395da93aca">

          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>5.3</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Huntington Forbearances</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">50</div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="2">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="3">
              <div style="text-align: center;">ARTICLE VI</div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="2">&#160;&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="3">
              <div style="text-align: center;">ADDITIONAL AGREEMENTS</div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="2">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>6.1</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Regulatory Matters</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">51</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>6.2</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Access to Information</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">54</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>6.3</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Cadence Shareholder Approval</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">55</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>6.4</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Huntington Shareholder Approval</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">57</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>6.5</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Legal Conditions to Merger</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">58</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>6.6</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Stock Exchange Listing</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">58</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>6.7</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Tax Matters</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">58</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>6.8</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Employee Matters</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">59</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>6.9</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Indemnification; Directors&#8217; and Officers&#8217; Insurance</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">61</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>6.10</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Additional Agreements</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">62</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>6.11</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Advice of Changes</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">62</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>6.12</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Dividends</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">63</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>6.13</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Corporate Governance; Foundation</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">63</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>6.14</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Acquisition Proposals</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">63</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>6.15</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Public Announcements</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">64</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>6.16</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Change of Method</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">65</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>6.17</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Restructuring Efforts</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">65</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>6.18</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Takeover Restrictions</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">65</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>6.19</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Exemption from Liability Under Section 16(b)</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">65</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>6.20</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Litigation and Claims</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">66</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>6.21</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Assumption of Cadence Debt</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">66</div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="2">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="3">
              <div style="text-align: center;">ARTICLE VII</div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="2">&#160;&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="3">
              <div style="text-align: center;">CONDITIONS PRECEDENT</div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="2">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>7.1</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Conditions to Each Party&#8217;s Obligation to Effect the Merger</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">66</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>7.2</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Conditions to Obligations of Huntington</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">67</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>7.3</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Conditions to Obligations of Cadence</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">68</div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="2">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="3">
              <div style="text-align: center;">ARTICLE VIII</div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="2">&#160;&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="3">
              <div style="text-align: center;">TERMINATION AND AMENDMENT</div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="2">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>8.1</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Termination</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">69</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>8.2</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Effect of Termination</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">71</div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="2">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="3">
              <div style="text-align: center;">ARTICLE IX</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">&#160;</td>
            <td style="width: 88%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="3">
              <div style="text-align: center;">GENERAL PROVISIONS</div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top;" rowspan="1" colspan="2">&#160;</td>
            <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>9.1</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Nonsurvival of Representations, Warranties and Agreements</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">73</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-iii-</font></div>
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="zfa63c9a8b73e4b66b2e1717b03c87506">

          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>9.2</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Amendment</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">73</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>9.3</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Extension; Waiver</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">74</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>9.4</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Expenses</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">74</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>9.5</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Notices</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">74</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>9.6</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Interpretation</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">76</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>9.7</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Confidential Supervisory Information</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">76</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>9.8</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Counterparts</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">76</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>9.9</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Entire Agreement</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">76</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>9.10</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Governing Law; Jurisdiction</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">76</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>9.11</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Waiver of Jury Trial</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">77</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>9.12</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Assignment; Third-Party Beneficiaries</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">77</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>9.13</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Specific Performance</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">78</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>9.14</div>
            </td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Severability</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">78</div>
            </td>
          </tr>
          <tr>
            <td style="width: 7%; vertical-align: top;">
              <div>9.15</div>
            </td>
            <td style="width: 88%; vertical-align: top;">
              <div>Delivery by Electronic Transmission</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">78</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div><u>EXHIBITS</u></div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" border="0" id="zc46c27aab10345d6b6a35d6530cdf4f6" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

          <tr>
            <td style="width: 15%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Exhibit A</div>
            </td>
            <td style="width: 3%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>-</div>
            </td>
            <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="color: rgb(0, 0, 0);">Form of Articles Supplementary</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-iv-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: center; color: rgb(0, 0, 0);">INDEX OF DEFINED TERMS</div>
      <div style="text-align: center; color: rgb(0, 0, 0);"> <br>
      </div>
      <table cellspacing="0" cellpadding="0" border="0" id="z5bf53eadbd2f4308a7f0b64e600e21d5" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

          <tr>
            <td style="width: 95%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: center;"><u>Page</u></div>
            </td>
          </tr>
          <tr>
            <td rowspan="1" style="width: 95%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Adjusted Restricted Stock Unit Award</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">5</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>affiliate</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">76</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="color: rgb(0, 0, 0);">Agreement</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Benefit Plans</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">19</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>business day</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">76</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div style="color: rgb(0, 0, 0);">Cadence</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Cadence 401(k) Plan</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">60</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Cadence Acquisition Proposal</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">64</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Cadence Adverse Recommendation Change</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">55</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Cadence Advisory Subsidiary</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Cadence Articles</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">11</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Cadence Benefit Plans</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">19</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Cadence Board Recommendation</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">55</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Cadence Bylaws</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">11</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Cadence Common Stock</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Cadence Contract</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">25</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Cadence Disclosure Schedule</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">9</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Cadence Equity Awards</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">5</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Cadence ERISA Affiliate</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">19</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Cadence Indemnified Parties</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">61</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Cadence Insiders</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">66</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Cadence Meeting</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">55</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Cadence Owned Properties</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">27</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div style="font-size: 12pt;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">Cadence</font><font style="font-size: 10pt;"> Preferred Stock</font></div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">3</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Cadence Qualified Plans</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">20</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Cadence Real Property</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">28</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Cadence Regulatory Agreement</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">26</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Cadence Reports</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">15</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Cadence Restricted Stock Award</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">4</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div style="font-size: 12pt;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">Cadence </font><font style="font-size: 10pt;">Restricted Stock Unit Award</font></div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">4</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Cadence Stock Plans</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">5</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Cadence Subsidiary</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">11</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Cadence Tax Opinion</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">69</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Chosen Courts</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">77</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Closing</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Closing Date</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="color: rgb(0, 0, 0);">Code</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Confidentiality Agreement</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">55</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Continuing Employees</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">59</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Effective Time</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Enforceability Exceptions</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">13</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div style="color: rgb(0, 0, 0);">Environmental Laws</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">26</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>ERISA</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">19</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Exception Shares</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">2</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-v-</font></div>
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z71edc68cfd8c41779addff4c4a8fdd75">

          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Exchange Act</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">14</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Exchange Agent</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">6</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Exchange Fund</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">6</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Exchange Ratio</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>FDIC</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">11</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Federal Reserve</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">13</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>GAAP</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">10</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Governmental Entity</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">14</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="color: rgb(0, 0, 0);">Huntington</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Huntington 401(k) Plan</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">60</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Huntington Acquisition Proposal</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">73</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Huntington Adverse Recommendation Change</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">58</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Huntington Articles</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">33</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Huntington Benefit Plans</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">44</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Huntington Board Recommendation</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">57</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Huntington Bylaws</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">33</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Huntington Common Stock</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Huntington Contract</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">42</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Huntington Deferred Stock Unit Awards</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">33</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Huntington Disclosure Schedule</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">32</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Huntington ERISA Affiliate</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">44</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Huntington Meeting</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">57</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Huntington Preferred Stock</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">33</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Huntington Regulatory Agreement</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">42</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Huntington Reports</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">37</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Huntington Restricted Stock Unit Awards</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">33</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Huntington Share Closing Price</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">8</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Huntington Stock Options</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">33</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Huntington Stock Plans</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">34</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Huntington Subsidiary</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">33</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Huntington Tax Opinion</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">68</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Intellectual Property</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">28</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Investment Advisers Act</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>IRS</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">20</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Joint Proxy Statement</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">13</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>knowledge</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">76</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Liens</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">12</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Loans</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>made available</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">76</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Material Adverse Effect</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">10</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Materially Burdensome Regulatory Condition</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">53</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div style="color: rgb(0, 0, 0);">MBCA</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Merger</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Merger Consideration</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Mississippi Articles of Merger</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Mississippi Department</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">2</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-vi-</font></div>
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="ze0ac298584f840d6bf2e5c45868770d5">

          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Mississippi Secretary</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div style="color: rgb(0, 0, 0);">MS Code</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Multiemployer Plan</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">20</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Multiple Employer Plan</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">20</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>NASDAQ</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">8</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>New Certificates</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">6</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>New Huntington Preferred Stock</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">3</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>New Plans</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">60</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>OCC</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Old Certificate</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">3</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Permitted Encumbrances</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">27</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>person</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">76</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Personal Data</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">23</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Premium Cap</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">62</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Regulatory Agencies</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">14</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Representatives</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">63</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Requisite Cadence Vote</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">13</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Requisite Huntington Vote</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">35</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Requisite Regulatory Approvals</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">67</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>S-4</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">14</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Sarbanes-Oxley Act</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">16</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>SEC</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">14</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Securities Act</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">37</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>SRO</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">14</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Subsidiary</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">11</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Surviving Bank</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Takeover Restrictions</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">29</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Tax</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">19</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Tax Return</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">19</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Taxes</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">19</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Termination Date</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">70</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top;">
              <div>Termination Fee</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right;">72</div>
            </td>
          </tr>
          <tr>
            <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Willful Breach</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">72</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-vii-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <!--PROfilePageNumberReset%Num%1%-%-%-->
      <div style="text-align: center; color: rgb(0, 0, 0);">AGREEMENT AND PLAN OF MERGER</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt; color: rgb(0, 0, 0);">AGREEMENT AND PLAN OF MERGER, dated as of October 26, 2025 (this &#8220;<u>Agreement</u>&#8221;), by and among Huntington Bancshares Incorporated, a Maryland corporation (&#8220;<u>Huntington</u>&#8221;), The Huntington
        National Bank, a national bank and a wholly owned Subsidiary of Huntington (&#8220;<u>Huntington National Bank</u>&#8221; and together with Huntington, the &#8220;<u>Huntington Parties</u>&#8221;) and Cadence Bank, a Mississippi-chartered bank (&#8220;<u>Cadence</u>&#8221;).</div>
      <div>&#160;</div>
      <div style="text-align: center; color: rgb(0, 0, 0);">W I T N E S S E T H:</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">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 &#8220;<u>Merger</u>&#8221;), so that Huntington National Bank is the
        surviving bank (hereinafter sometimes referred to in such capacity as the <font style="color: rgb(0, 0, 0);">&#8220;<u>Surviving Bank</u>&#8221;);</font></div>
      <div>&#160;</div>
      <div style="text-indent: 72pt; color: rgb(0, 0, 0);">WHEREAS, for U.S. federal income tax purposes, it is intended that the Merger shall qualify as a &#8220;reorganization&#8221; within the meaning of Section 368(a) of the Internal Revenue Code of 1986, as
        amended (the &#8220;<u>Code</u>&#8221;) and this Agreement is intended to be and is adopted as a &#8220;plan of reorganization&#8221; for purposes of Sections 354 and 361 of the Code; and</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt; color: rgb(0, 0, 0);">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.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt; color: rgb(0, 0, 0);">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:</div>
      <div>&#160;</div>
      <div style="text-align: center;">ARTICLE I</div>
      <div><br>
      </div>
      <div style="text-align: center;">THE MERGER</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">1.1&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>The Merger</u>.&#160; 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. &#167; 215a-1, Article 11 of the Mississippi Business
        Corporation Act, as amended (the &#8220;<u>MBCA</u>&#8221;), and Chapter 5 of Title 81 of the Mississippi Code of 1972, as amended (the &#8220;<u>MS Code</u>&#8221;), at the Effective Time, Cadence shall merge with and into Huntington National Bank.&#160; Huntington National
        Bank shall be the Surviving Bank in the Merger and shall continue its corporate existence under the laws of the United States.&#160; Upon consummation of the Merger, the separate corporate existence of Cadence shall terminate.</div>
      <div>&#160;</div>
      <div>
        <div>
          <div style="text-indent: 72pt;">1.2&#160;&#160;&#160;&#160; &#160; &#160; <u>Closing</u>. Subject to the terms and conditions of this Agreement, the closing of the Merger (the &#8220;<u>Closing</u>&#8221;) will take place at 10:00 a.m., New York City time, remotely via the electronic
            exchange of closing deliveries, on a date which shall be no later than three (3) business days after the satisfaction or waiver (subject to applicable law) of the latest to occur of the conditions set forth in Article VII hereof (other than
            those conditions that by their nature can only be satisfied at the Closing, but subject to the satisfaction or waiver thereof), unless another date, time or place is agreed to in writing by Huntington and Cadence.&#160; The date on which the Closing
            occurs is referred to in this Agreement as the &#8220;<u>Closing Date</u>&#8221;.</div>
        </div>
      </div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: right;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-1-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <!--PROfilePageNumberReset%Num%2%-%-%-->
      <div style="text-indent: 72pt;">1.3&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Effective Time</u>.&#160; Subject to the terms and conditions of this Agreement, on or before the Closing Date, Huntington National Bank and Cadence will provide the requisite materials to the Office of the
        Comptroller of the Currency (the &#8220;<u>OCC</u>&#8221;) and will cause articles of merger (the &#8220;<u>Mississippi Articles of Merger</u>&#8221;) to be filed as provided under the MBCA with the Mississippi Secretary of State (the &#8220;<u>Mississippi Secretary</u>&#8221;) in
        accordance with the MBCA and with the Mississippi Department of Banking and Consumer Finance (the &#8220;<u>Mississippi Department</u>&#8221;) in accordance with the MS Code.&#160; The Merger shall become effective as of the date and time specified in the Articles
        of Merger and notice from the OCC in accordance with the relevant provisions of the MBCA, the MS Code and federal law, or at such other date and time as shall be provided by applicable law (such date and time, the &#8220;<u>Effective Time</u>&#8221;).</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">1.4&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Effects of the Merger</u>.&#160; At and after the Effective Time, all assets of Cadence as they exist at the Effective Time shall pass to and vest in the Surviving Bank without any conveyance or other
        transfer, the Surviving Bank shall be responsible for all liabilities of every kind and description of Cadence as they exist as of the Effective Time, and the Merger shall have the effects set forth in the applicable provisions of the MBCA, the MS
        Code, federal law and this Agreement.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">1.5&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Conversion of Cadence Common Stock</u>.&#160; At the Effective Time, by virtue of the Merger and without any action on the part of Huntington, Huntington National Bank, Cadence, or the holder of any of the
        following securities:</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; Subject to Section 2.2(e), each share of the common stock, par value $2.50 per share, of Cadence issued and outstanding immediately prior to the Effective Time (&#8220;<u>Cadence Common Stock</u>&#8221;), except for
        shares of Cadence Common Stock owned by Cadence or the Huntington Parties (in each case other than shares of Cadence Common Stock (i) held in any Cadence Benefit Plans or related trust accounts, managed accounts, mutual funds and the like, or
        otherwise held in a fiduciary or agency capacity and (ii) held, directly or indirectly, in respect of debts previously contracted (collectively, the &#8220;<u>Exception Shares</u>&#8221;)) shall be converted, in accordance with the procedures set forth in this
        Agreement, into the right to receive, without interest, 2.475 shares (the &#8220;<u>Exchange Ratio</u>&#8221; and such shares, the &#8220;<u>Merger Consideration</u>&#8221;) of the common stock, par value $0.01 per share, of Huntington (the &#8220;<u>Huntington Common Stock</u>&#8221;).</div>
      <div>&#160;</div>
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      </div>
      <div style="text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; All shares of Cadence Common Stock converted into the right to receive the Merger Consideration pursuant to this Article I shall no longer be outstanding and shall automatically be cancelled and shall cease
        to exist as of the Effective Time, and each certificate (each, an &#8220;<u>Old Certificate</u>,&#8221; it being understood that any reference herein to &#8220;<u>Old Certificate</u>&#8221; shall be deemed to include reference to book-entry account statements relating to
        the ownership of shares of Cadence Common Stock) previously representing any such shares of Cadence Common Stock shall thereafter represent only the right to receive (i) the Merger Consideration, (ii) cash in lieu of a fractional share which the
        shares of Cadence Common Stock represented by such Old Certificate have been converted into the right to receive pursuant to this Section 1.5 and Section 2.2(e), and (iii) any dividends or distributions which the holder thereof has the right to
        receive pursuant to Section 2.2, in each case of clauses (i), (ii) and (iii), without any interest thereon.&#160; Old Certificates previously representing shares of Cadence Common Stock shall be exchanged for certificates or, at Huntington&#8217;s option,
        evidence of shares in book-entry form representing whole shares of Huntington Common Stock as set forth in Section 1.5(a) (together with any dividends or distributions with respect thereto and cash in lieu of fractional shares issued in
        consideration therefor) upon the surrender of such Old Certificates in accordance with Section 2.2, without any interest thereon.&#160; If, between the date of this Agreement and the Effective Time, the outstanding shares of Huntington Common Stock or
        Cadence Common Stock shall have been increased, decreased, changed into or exchanged for a different number or kind of shares or securities, in any such case as a result of a reorganization, recapitalization, reclassification, stock dividend, stock
        split, reverse stock split, or other similar change in capitalization, or there shall be any extraordinary dividend or extraordinary distribution, an appropriate and proportionate adjustment shall be made to the Exchange Ratio to give holders of
        Cadence Common Stock the same economic effect as contemplated by this Agreement prior to such event; <u>provided</u>, that nothing in this sentence shall be construed to permit Huntington or Cadence to take any action with respect to its
        securities that is prohibited by the terms of this Agreement.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Notwithstanding anything in this Agreement to the contrary, at the Effective Time, all shares of Cadence Common Stock that are owned by Cadence or the Huntington Parties (in each case other than the
        Exception Shares) immediately prior to the Effective Time shall be cancelled and shall cease to exist, and neither the Merger Consideration nor any other consideration shall be delivered in exchange therefor.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">1.6&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Cadence Preferred Stock</u></font>.&#160; At the Effective Time, by virtue of the Merger and without any action on the part of Huntington, Cadence or any holder of
        securities thereof, each share of 5.50% Series A Non-Cumulative Perpetual Preferred Stock, par value $0.01 per share, of Cadence (&#8220;<u>Cadence Preferred Stock</u>&#8221;) issued and outstanding immediately prior to the Effective Time shall automatically
        be converted into the right to receive 1/1000 of a share of a newly created series of preferred stock of Huntington having such powers, preferences or special rights that are not materially less favorable to the holders thereof than the powers,
        preferences or special rights of the Cadence Preferred Stock and in substantially the form set forth in <u>Exhibit A</u> attached hereto (all shares of such newly created series, collectively, the &#8220;<u>New Huntington Preferred Stock</u>&#8221;) or
        depositary shares in respect thereof and, upon such conversion, the Cadence Preferred Stock shall no longer be outstanding and shall automatically be cancelled and shall cease to exist as of the Effective Time.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">1.7&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Huntington Common Stock</u></font>.&#160; At and after the Effective Time, each share of Huntington National Bank common stock and preferred stock issued and outstanding
        immediately prior to the Effective Time shall remain issued and outstanding and shall not be affected by the Merger.</div>
      <div>&#160;</div>
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        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-3-</font></div>
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      </div>
      <div style="text-indent: 72pt;">1.8&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Treatment of Cadence Equity Awards</u>.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(a)&#160;&#160;&#160;&#160; &#160; &#160;&#160; At the Effective Time, the portion of each award in respect of a share of Cadence Common Stock subject to vesting, repurchase or other lapse restriction granted under a Cadence Stock Plan that is
        outstanding immediately prior to the Effective Time (a &#8220;<u>Cadence Restricted Stock Award</u>&#8221;) that was granted in September 2020 with a May 2027 vesting date and that pursuant to its existing terms would vest automatically at the Effective Time
        shall automatically and without any required action on the part of the holder thereof, accelerate to the extent contemplated by its existing terms and convert into, and become exchanged for the Merger Consideration with respect to each share of
        Cadence Common Stock subject to such Cadence Restricted Stock Award immediately prior to the Effective Time (less applicable Taxes required to be withheld with respect to such vesting), pursuant to Section 1.5(b).</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;At the Effective Time, each Cadence Restricted Stock Award or portion thereof, other than the portion of each Cadence Restricted Stock Award covered by Section 1.8(a), shall automatically and without any
        required action on the part of the holder thereof, be assumed and converted into a restricted stock award of shares of Huntington Common Stock subject to vesting, repurchase or other lapse restriction with the same terms and conditions as were
        applicable under such Cadence Restricted Stock Award immediately prior to the Effective Time (including vesting terms), and relating to the number of shares of Huntington Common Stock equal to the product of (i) the number of shares of Cadence
        Common Stock subject to such Cadence Restricted Stock Award (or portion thereof) immediately prior to the Effective Time, <font style="font-style: italic;">multiplied by</font> (ii) the Exchange Ratio, with any fractional shares rounded to the
        nearest whole share of Huntington Common Stock.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160; &#160; &#160; At the Effective Time, each restricted stock unit award in respect of shares of Cadence Common Stock granted under a Cadence Stock Plan that is outstanding immediately prior to the Effective Time (a &#8220;<u>Cadence






          Restricted Stock Unit Award</u>&#8221;) that is held by a non-employee member of the Board of Directors of Cadence shall automatically and without any required action on the part of the holder thereof, accelerate in full and convert into the right to
        receive (i) a number of shares of Huntington Common Stock equal to the product of (A) the number of shares of Cadence Common Stock subject to such Cadence Restricted Stock Unit Award immediately prior to the Effective Time, <font style="font-style: italic;">multiplied by</font> (B) the Exchange Ratio, with any fractional shares rounded to the nearest whole share of Huntington Common Stock and (ii) <font style="color: rgb(0, 0, 0);">an amount in cash equal to the dividend
          equivalent payments with respect to such Cadence Restricted Stock Unit Award that are accrued but unpaid as of the Effective Time.</font></div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;At the Effective Time, each Cadence Restricted Stock Unit Award, other than Cadence Restricted Stock Unit Awards covered by Section 1.8(b), shall be assumed and converted into a restricted stock unit award
        (with any performance goals applicable to a Cadence Restricted Stock Unit Award deemed satisfied at the greater of the target level and actual level of performance through the latest practicable date prior to the Effective Time (or such other date
        as provided in the Cadence Disclosure Schedule), which may be the end of the most recently completed fiscal quarter prior to the Effective Time, as reasonably determined by the Compensation Committee of the Cadence Board immediately prior the
        Effective Time)in respect of Huntington Common Stock (an &#8220;<u>Adjusted Restricted Stock Unit Award</u>&#8221;) with the same terms and conditions as were applicable under such Cadence Restricted Stock Unit Award immediately prior to the Effective Time
        (including vesting terms) and relating to the number of shares of Huntington Common Stock equal to the product of (i) the number of shares of Cadence Common Stock subject to such Cadence Restricted Stock Unit Award immediately prior to the
        Effective Time (based on the <font style="color: rgb(0, 0, 0);">deemed achievement of performance as set forth above for any such awards subject to performance-based vesting</font>), <font style="font-style: italic;">multiplied by</font> (ii) the
        Exchange Ratio, with any fractional shares rounded&#160; to the nearest whole share of Huntington Common Stock; <u>provided</u> that each such Adjusted Restricted Stock Unit Award shall be subject to service-based vesting only and shall no longer be
        subject to any performance conditions.&#160; <font style="color: rgb(0, 0, 0);">For the avoidance of doubt, any amounts relating to dividend equivalent payments with respect to any Cadence Restricted Stock Unit Award (based on the deemed achievement of
          performance as set forth above for any such awards subject to performance-based vesting) that are accrued but unpaid as of the Effective Time will carry over and will be paid in accordance with the terms and conditions as were applicable to such
          Cadence Restricted Stock Unit Award immediately prior to the Effective Time.</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-4-</font></div>
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      </div>
      <div style="text-indent: 72pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; Promptly following the Effective Time, Huntington shall file a post-effective amendment to the S-4 or an effective registration statement on Form S-8 with respect to the Huntington Common Stock subject to
        the applicable adjusted Cadence Equity Awards, as required.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; At or prior to the Effective Time, Cadence, the Board of Directors of Cadence and its compensation committee, as applicable, shall adopt any resolutions and take any actions that are necessary for the
        treatment of the Cadence Equity Awards and to effectuate the provisions of this Section 1.8.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(g)&#160;&#160;&#160;&#160; &#160;&#160; &#160; For purposes of this Agreement, the following terms shall have the following meanings:</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt; margin-left: 36pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160; &#160; &#160; &#8220;<u>Cadence Equity Awards</u>&#8221; means the Cadence Restricted Stock Awards and Cadence Restricted Stock Unit Awards.</div>
      <div>&#160;</div>
      <div style="margin-left: 36pt; text-indent: 72pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#8220;<u>Cadence Stock Plans</u>&#8221; means the Cadence Bank 2025 Long-Term Incentive Plan, the Cadence Bank Equity Incentive Plan, the Cadence 2021 Long-Term Equity Incentive Plan, and the
        Amended and Restated 2015 Omnibus Incentive Plan.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">1.9&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Charter of</u><font style="color: rgb(0, 0, 0);"><u> Surviving Bank</u></font>.&#160; At the Effective Time, the charter of Huntington National Bank, as in effect immediately prior to the Effective Time,
        shall be the charter of the Surviving Bank until thereafter amended in accordance with applicable law.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">1.10&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Bylaws of Surviving Bank</u></font>.&#160; At the Effective Time, the bylaws of Huntington National Bank, as in effect immediately prior to the Effective Time, shall be the
        bylaws of the Surviving Bank until thereafter amended in accordance with applicable law.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">1.11&#160;&#160; &#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Tax Consequences</u></font>.&#160; It is intended that the Merger shall qualify as a &#8220;reorganization&#8221; within the meaning of Section 368(a) of the Code, and that this
        Agreement is intended to be and is adopted as a &#8220;plan of reorganization&#8221; for purposes of Sections 354 and 361 of the Code.</div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-5-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="text-align: center;">ARTICLE II</div>
      <div>&#160;</div>
      <div style="text-align: center;">EXCHANGE OF SHARES</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">2.1&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Huntington to Make Consideration Available</u></font>.&#160; At or prior to the Effective Time, Huntington shall deposit, or shall cause to be deposited, with a bank or
        trust company designated by Huntington and reasonably acceptable to Cadence (the &#8220;<u>Exchange Agent</u>&#8221;), for the benefit of the holders of Old Certificates (which for purposes of this Article II shall be deemed to include certificates or
        book-entry account statements representing shares of Cadence Preferred Stock), for exchange in accordance with this Article II, (a) certificates or, at Huntington&#8217;s option, evidence in book-entry form, representing shares of Huntington Common Stock
        and New Huntington Preferred Stock (or depositary shares in respect thereof) to be issued pursuant to Section 1.5 and Section 1.6 and exchanged pursuant to Section 2.2(a) in exchange for outstanding shares of Cadence Common Stock and Cadence
        Preferred Stock (collectively, referred to herein as &#8220;<u>New Certificates</u>&#8221;), and (b) cash in an amount sufficient to pay cash in lieu of any fractional shares (such New Certificates and cash described in the foregoing clauses (a) and (b),
        together with any dividends or distributions with respect thereto payable in accordance with Section 2.2(b), being hereinafter referred to as the &#8220;<u>Exchange Fund</u>&#8221;).</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">2.2&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Exchange of Shares</u></font>.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; As promptly as practicable after the Effective Time, but in no event later than ten (10) days thereafter, Huntington shall cause the Exchange Agent to mail to each holder of record of one or more Old
        Certificates representing shares of Cadence Common Stock or Cadence Preferred Stock immediately prior to the Effective Time that have been converted at the Effective Time into the right to receive the Merger Consideration or shares of New
        Huntington Preferred Stock (or depositary shares in respect thereof), as applicable, pursuant to Article I, a letter of transmittal (which shall specify that delivery shall be effected, and risk of loss and title to the Old Certificates shall pass,
        only upon proper delivery of the Old Certificates to the Exchange Agent) and instructions for use in effecting the surrender of the Old Certificates in exchange for certificates representing the number of whole shares of Huntington Common Stock and
        any cash in lieu of fractional shares or shares of New Huntington Preferred Stock (or depositary shares in respect thereof), as applicable, which the shares of Cadence Common Stock or Cadence Preferred Stock represented by such Old Certificate or
        Old Certificates shall have been converted into the right to receive pursuant to this Agreement as well as any dividends or distributions to be paid pursuant to Section 2.2(b).&#160; From and after the Effective Time, upon proper surrender of an Old
        Certificate or Old Certificates for exchange and cancellation to the Exchange Agent, together with such properly completed letter of transmittal, duly executed, the holder of such Old Certificate or Old Certificates shall be entitled to receive in
        exchange therefor, as applicable, (i) (A) a New Certificate representing that number of whole shares of Huntington Common Stock to which such holder of Cadence Common Stock shall have become entitled pursuant to the provisions of Article I and (B)
        a check representing the amount of (x) any cash in lieu of a fractional share which such holder has the right to receive in respect of the Old Certificate or Old Certificates surrendered pursuant to the provisions of this Article II and (y) any
        dividends or distributions which the holder thereof has the right to receive pursuant to this Section 2.2 or (ii) (A) a New Certificate representing the number of shares of New Huntington Preferred Stock (or depositary shares in respect thereof) to
        which such holder of Cadence Preferred Stock shall have become entitled pursuant to the provisions of Article I and (B) a check representing the amount of any dividends or distributions which the holder thereof has the right to receive pursuant to
        this Section 2.2, as applicable, and the Old Certificate or Old Certificates so surrendered shall forthwith be cancelled.&#160; No interest will be paid or accrued on the Huntington Common Stock, New Huntington Preferred Stock (or depositary shares in
        respect thereof) or any cash in lieu of fractional shares or dividends or distributions payable to holders of Old Certificates.&#160; Until surrendered as contemplated by this Section 2.2, each Old Certificate shall be deemed at any time after the
        Effective Time to represent only the right to receive, upon surrender, the number of whole shares of Huntington Common Stock or shares of New Huntington Preferred Stock (or depositary shares in respect thereof) which the shares of Cadence Common
        Stock or Cadence Preferred Stock, as applicable, represented by such Old Certificate have been converted into the right to receive and any cash in lieu of fractional shares or in respect of dividends or distributions as contemplated by this Section
        2.2.</div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-6-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; No dividends or other distributions declared with respect to Huntington Common Stock or New Huntington Preferred Stock (or depositary shares in respect thereof) shall be paid to the holder of any
        unsurrendered Old Certificate until the holder thereof shall surrender such Old Certificate in accordance with this Article II.&#160; After the surrender of an Old Certificate in accordance with this Article II, the record holder thereof shall be
        entitled to receive any such dividends or other distributions, without any interest thereon, which theretofore had become payable with respect to the whole shares of Huntington Common Stock or shares of New Huntington Preferred Stock (or depositary
        shares in respect thereof) which the shares of Cadence Common Stock or Cadence Preferred Stock, as applicable, represented by such Old Certificate have been converted into the right to receive (after giving effect to Section 6.12).</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(c)&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160; If any New Certificate representing shares of Huntington Common Stock or New Huntington Preferred Stock (or depositary shares in respect thereof) is to be issued in a name other than that in which the Old
        Certificate or Old Certificates surrendered in exchange therefor is or are registered, it shall be a condition of the issuance thereof that the Old Certificate or Old Certificates so surrendered shall be properly endorsed (or accompanied by an
        appropriate instrument of transfer) and otherwise in proper form for transfer, and that the person requesting such exchange shall pay to the Exchange Agent in advance any transfer or other similar Taxes required by reason of the issuance of a New
        Certificate representing shares of Huntington Common Stock or New Huntington Preferred Stock (or depositary shares in respect thereof) in any name other than that of the registered holder of the Old Certificate or Old Certificates surrendered, or
        required for any other reason, or shall establish to the satisfaction of the Exchange Agent that such Tax has been paid or is not payable.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; After the Effective Time, there shall be no transfers on the stock transfer books of Cadence of the shares of Cadence Common Stock or Cadence Preferred Stock that were issued and outstanding immediately
        prior to the Effective Time.&#160; If, after the Effective Time, Old Certificates representing such shares are presented for transfer to the Exchange Agent, they shall be cancelled and exchanged for New Certificates representing shares of Huntington
        Common Stock or New Huntington Preferred Stock (or depositary shares in respect thereof), as applicable, cash in lieu of fractional shares and dividends or distributions that the holder presenting such Old Certificates is entitled to, as provided
        in this Article II.</div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-7-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="text-indent: 72pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Notwithstanding anything to the contrary contained herein, no New Certificates or scrip representing fractional shares of Huntington Common Stock shall be issued upon the surrender for exchange of Old
        Certificates or otherwise pursuant to this Agreement, no dividend or distribution with respect to Huntington Common Stock shall be payable on or with respect to any fractional share, and such fractional share interests shall not entitle the owner
        thereof to vote or to any other rights of a shareholder of Huntington.&#160; In lieu of the issuance of any such fractional share, Huntington shall pay to each former holder who otherwise would be entitled to receive such fractional share an amount in
        cash (rounded to the nearest cent) determined by multiplying (i) the average of the closing sale prices of Huntington Common Stock on the NASDAQ Stock Market (the &#8220;<u>NASDAQ</u>&#8221;) as reported by <font style="font-style: italic;">The Wall Street
          Journal</font> for the five (5) consecutive full trading days ending on the day preceding the Closing Date (the &#8220;<u>Huntington Share Closing Price</u>&#8221;) by (ii) the fraction of a share (after taking into account all shares of Cadence Common Stock
        held by such holder immediately prior to the Effective Time and rounded to the nearest thousandth when expressed in decimal form) of Huntington Common Stock which such holder would otherwise be entitled to receive pursuant to Article I.&#160; The
        parties acknowledge that payment of such cash consideration in lieu of issuing fractional shares is not separately bargained-for consideration, but merely represents a mechanical rounding off for purposes of avoiding the expense and inconvenience
        that would otherwise be caused by the issuance of fractional shares.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(f)&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160; Any portion of the Exchange Fund that remains unclaimed by the holders of Cadence Common Stock and Cadence Preferred Stock for one (1) year after the Effective Time shall be paid to Huntington.&#160; Any former
        holders of Cadence Common Stock and Cadence Preferred Stock who have not theretofore exchanged their Old Certificates pursuant to this Article II shall thereafter look only to Huntington for payment of the shares of Huntington Common Stock and cash
        in lieu of any fractional shares or shares of New Huntington Preferred Stock (or depositary shares in respect thereof), as applicable, and any unpaid dividends and distributions on the Huntington Common Stock or New Huntington Preferred Stock (or
        depositary shares in respect thereof) deliverable in respect of each former share of Cadence Common Stock or Cadence Preferred Stock, as applicable, that such holder holds as determined pursuant to this Agreement, in each case, without any interest
        thereon.&#160; Notwithstanding the foregoing, none of Huntington, Cadence, the Surviving Bank, the Exchange Agent or any other person shall be liable to any former holder of shares of Cadence Common Stock or Cadence Preferred Stock for any amount
        delivered in good faith to a public official pursuant to applicable abandoned property, escheat or similar laws.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(g)&#160;&#160;&#160;&#160; &#160; &#160;&#160; Huntington shall be entitled to deduct and withhold, or cause the Exchange Agent to deduct and withhold, from any cash in lieu of fractional shares of Huntington Common Stock, cash dividends or
        distributions payable pursuant to this Section 2.2 or any other amounts otherwise payable pursuant to this Agreement to any holder of Cadence Common Stock, Cadence Preferred Stock or Cadence Equity Awards such amounts as it is required to deduct
        and withhold with respect to the making of such payment or vesting or settlement of such Cadence Equity Awards under the Code or any provision of state, local or foreign Tax law, which T<font style="color: rgb(0, 0, 0);">axes shall be satisfied by
        </font>Huntington<font style="color: rgb(0, 0, 0);"> withholding the number of shares of </font>Huntington<font style="color: rgb(0, 0, 0);"> Common Stock necessary to satisfy applicable withholding Taxes that would otherwise be issuable to the
          holder of a Cadence Equity Award in respect of such Cadence Equity Award</font>.&#160; To the extent that amounts or shares of Huntington Common Stock, as applicable, are so withheld by Huntington or the Exchange Agent, as the case may be, and the
        applicable Taxes are timely paid over to the appropriate governmental authority, the withheld amounts or shares of Huntington Common Stock shall be treated for all purposes of this Agreement as having been paid or delivered to the holder of Cadence
        Common Stock, Cadence Preferred Stock or Cadence Equity Awards in respect of which the deduction and withholding was made by Huntington or the Exchange Agent, as the case may be.&#160; N<font style="color: rgb(0, 0, 0);">otwithstanding anything herein
          to the contrary, any amounts payable in connection with the Closing in respect of any Cadence Equity Award pursuant to <u>Section 1.7</u>, with respect to employee award holders of Cadence and its Subsidiaries may be made through the payroll
          system of the Surviving Bank or one of its affiliates.</font></div>
      <div>&#160;</div>
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      </div>
      <div style="text-indent: 72pt;">(h)&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160; In the event any Old Certificate shall have been lost, stolen or destroyed, upon the making of an affidavit of that fact by the person claiming such Old Certificate to be lost, stolen or destroyed and, if
        required by Huntington or the Exchange Agent, the posting by such person of a bond in such amount as Huntington or the Exchange Agent may determine is reasonably necessary as indemnity against any claim that may be made against it with respect to
        such Old Certificate, the Exchange Agent will issue in exchange for such lost, stolen or destroyed Old Certificate the shares of Huntington Common Stock and any cash in lieu of fractional shares, or the shares of New Huntington Preferred Stock (or
        depositary shares in respect thereof), as applicable, deliverable in respect thereof pursuant to this Agreement.</div>
      <div>&#160;</div>
      <div style="text-align: center;">ARTICLE III</div>
      <div>&#160;</div>
      <div style="text-align: center;">REPRESENTATIONS AND WARRANTIES OF CADENCE</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">Except (a) as disclosed in the disclosure schedule delivered by Cadence to the Huntington Parties concurrently herewith (the &#8220;<u>Cadence Disclosure Schedule</u>&#8221;); <u>provided</u>, that (i) no such item is required to
        be set forth as an exception to a representation or warranty if its absence would not result in the related representation or warranty being deemed untrue or incorrect, (ii) the mere inclusion of an item in the Cadence Disclosure Schedule as an
        exception to a representation or warranty shall not be deemed an admission by Cadence that such item represents a material exception or fact, event or circumstance or that such item is reasonably likely to result in a Material Adverse Effect and
        (iii) any disclosures made with respect to a section of this Article III shall be deemed to qualify (A) any other section of this Article III specifically referenced or cross-referenced and (B) other sections of this Article III to the extent it is
        reasonably apparent on its face (notwithstanding the absence of a specific cross reference) from a reading of the disclosure that such disclosure applies to such other sections or (ii) as disclosed in any Cadence Reports publicly filed prior to the
        date hereof (but disregarding risk factor disclosures contained under the heading &#8220;Risk Factors,&#8221; or disclosures of risks set forth in any &#8220;forward-looking statements&#8221; disclaimer or any other statements that are similarly non-specific or
        cautionary, predictive or forward-looking in nature), Cadence hereby represents and warrants to the Huntington Parties as follows: </div>
      <div><br>
      </div>
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        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-9-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="text-indent: 72pt;">3.1&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);"><u>Corporate Organization</u></font>.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Cadence is a Mississippi-chartered bank, duly organized, validly existing and in good standing under the laws of the State of Mississippi.&#160; Cadence has the corporate power and authority to own, lease or
        operate all its properties and assets and to carry on its business as it is now being conducted in all material respects.&#160; Cadence is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the
        business conducted by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified or to be in good
        standing would not, either individually or in the aggregate, reasonably be likely to have a Material Adverse Effect on Cadence.&#160; As used in this Agreement, the term &#8220;<u>Material Adverse Effect</u>&#8221; means, with respect to the Huntington Parties,
        Cadence or the Surviving Bank, as the case may be, any effect, change, event, circumstance, condition, occurrence or development that, either individually or in the aggregate, has had or would reasonably be likely to have a material adverse effect
        on (i) the business, properties, assets, liabilities, results of operations or financial condition of such party and its Subsidiaries, taken as a whole (<u>provided</u>, <u>however</u>, that, with respect to this clause (i), Material Adverse
        Effect shall not be deemed to include the impact of or effects arising from (A) changes, after the date hereof, in U.S. generally accepted accounting principles (&#8220;<u>GAAP</u>&#8221;) or applicable regulatory accounting requirements or interpretations
        thereof, (B) changes, after the date hereof, in laws, rules or regulations of general applicability to companies in the industries in which such party and its Subsidiaries operate, or interpretations thereof by courts or Governmental Entities, (C)
        changes, after the date hereof, in global, national or regional political conditions (including the outbreak, continuation or escalation of war or acts of terrorism or cyberattacks) or in economic or market conditions (including equity, credit and
        debt markets, as well as changes in interest rates) affecting the financial services industry generally and not specifically relating to such party or its Subsidiaries, (D) any international tariffs, trade policies or similar &#8220;trade&#8221; actions, (E)
        changes, after the date hereof, resulting from hurricanes, earthquakes, tornados, floods, wildfires or other natural or manmade disasters or from any outbreak of any disease, epidemic, pandemic or other public health event, (F) <font style="color: rgb(0, 0, 0);">public disclosure of the execution of this Agreement, public disclosure or consummation of the transactions contemplated hereby (including any effect on a party&#8217;s relationships with its customers or employees) (it being understood
          that this clause (F) shall not apply for purposes of the representations and warranties in Sections 3.3(b), 3.4, 4.3(b) or 4.4) or actions expressly required by this Agreement or that are taken with the prior written consent of the other party in
          contemplation of the transactions contemplated hereby, or (G) a decline in the trading price of a party&#8217;s common stock or the failure, in and of itself, to meet earnings projections or internal financial forecasts, but not, in either case,
          including any underlying causes thereof</font>; except, with respect to subclauses (A), (B), (C) or (D), to the extent that the effects of such change are materially disproportionately adverse to the business, properties, assets, liabilities,
        results of operations or financial condition of such party and its Subsidiaries, taken as a whole, as compared to other companies in the industry in which such party and its Subsidiaries operate) or (ii) the ability of such party to timely
        consummate the transactions contemplated hereby.&#160; As used in this Agreement, the term &#8220;<u>Subsidiary</u>,&#8221; when used with respect to any person, means any corporation, partnership, limited liability company, bank or other organization, whether
        incorporated or unincorporated, which is consolidated with such person for financial reporting purposes.&#160; True and complete copies of the articles of incorporation of Cadence, as amended (the &#8220;<u>Cadence Articles</u>&#8221;) and the bylaws of Cadence, as
        amended (the &#8220;<u>Cadence Bylaws</u>&#8221;), as in effect as of the date of this Agreement, have previously been made available by Cadence to the Huntington Parties.&#160; The deposit accounts of Cadence are insured by the Federal Deposit Insurance
        Corporation (the &#8220;<u>FDIC</u>&#8221;) through the Deposit Insurance Fund (as defined in Section 3(y) of the Federal Deposit Insurance Act of 1950) to the fullest extent permitted by law, all premiums and assessments required to be paid in connection
        therewith have been paid when due, and no proceedings for the termination of such insurance are pending or, to the knowledge of Cadence, threatened. </div>
      <div>&#160;</div>
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        <div class="BRPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Except, in the case of clauses (ii) and (iii) only, as would not reasonably be likely to have, individually or in the aggregate, a Material Adverse Effect on Cadence, each Subsidiary of Cadence (a &#8220;<u>Cadence






          Subsidiary</u>&#8221;) (i) is duly organized and validly existing under the laws of its jurisdiction of organization, (ii) is duly licensed or qualified to do business and, where such concept is recognized under applicable law, in good standing in all
        jurisdictions (whether federal, state, local or foreign) where its ownership, leasing or operation of property or the conduct of its business requires it to be so licensed or qualified or in good standing and (iii) has all requisite corporate power
        and authority to own, lease or operate its properties and assets and to carry on its business as now conducted.&#160; There are no restrictions on the ability of any Subsidiary of Cadence to pay dividends or distributions, except, in the case of a
        Subsidiary that is a regulated entity, for restrictions on dividends or distributions generally applicable to all such regulated entities.&#160; Section 3.1(b) of the Cadence Disclosure Schedule sets forth a true and complete list of all Subsidiaries of
        Cadence as of the date hereof.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">3.2&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);"><u>Capitalization</u></font>.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The authorized capital stock of Cadence consists of 500,000,000 shares of Cadence Common Stock, <font style="color: rgb(0, 0, 0);">par value $2.50 per share</font>, and 500,000,000 shares of Cadence
        preferred stock, par value $0.01 per share.&#160; As of October 23, 2025, no shares of capital stock or other voting securities of Cadence are issued, reserved for issuance or outstanding, other than (i) 186,307,016&#160; shares of Cadence Common Stock
        issued and outstanding (inclusive of 36,500 shares of Cadence Common Stock subject to Restricted Stock Awards), (ii) 6,900,000 shares of Cadence Preferred Stock issued and outstanding, (iii) 3,627,414&#160; shares of Cadence Common Stock reserved for
        issuance upon the settlement of outstanding Cadence Restricted Stock Unit Awards solely subject to time-vesting conditions, (iv) 1,014,775&#160; shares of Cadence Common Stock reserved for issuance upon the settlement of outstanding Cadence Restricted
        Stock Unit Awards subject to performance-based vesting, assuming achievement of the applicable performance goals at the target level of performance (and 1,778,858 shares of Cadence Common Stock assuming the achievement of the applicable performance
        goals at the maximum level), and (v) 2,947,054 shares of Cadence Common Stock reserved for issuance for future grants under the Cadence Stock Plans assuming that current awards are earned at maximum.&#160; As of the date of this Agreement, except as set
        forth in the immediately preceding sentence and for changes since October 23, 2025 resulting from the exercise, vesting or settlement of any Cadence Equity Awards described in the immediately preceding sentence, there are no shares of capital stock
        or other voting securities or equity interests of Cadence issued, reserved for issuance or outstanding.&#160; All issued and outstanding shares of Cadence Common Stock and Cadence Preferred Stock have been duly authorized and validly issued and are
        fully paid, nonassessable and free of preemptive rights, with no personal liability attaching to the ownership thereof.&#160; No bonds, debentures, notes or other indebtedness that have the right to vote on any matters on which shareholders of Cadence
        may vote are issued or outstanding.&#160; Except as set forth in 3.2(a) of the Cadence Disclosure Schedule, as of the date of this Agreement, no trust preferred or subordinated debt securities of Cadence are issued or outstanding.&#160; Other than Cadence
        Equity Awards issued prior to the date of this Agreement as described in this Section 3.2(a), as of the date of this Agreement, there are no outstanding subscriptions, options, warrants, puts, calls, rights, exchangeable or convertible securities
        or other commitments or agreements obligating Cadence to issue, transfer, sell, purchase, redeem or otherwise acquire any such securities.</div>
      <div>&#160;</div>
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        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-11-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;There are no voting trusts, shareholder agreements, proxies or other agreements in effect pursuant to which Cadence or any of the Cadence Subsidiaries has a contractual or other obligation with respect to
        the voting or transfer of Cadence Common Stock or other equity interests of Cadence.&#160; Other than the Cadence Equity Awards, no equity-based awards (including any cash awards where the amount of payment is determined in whole or in part based on the
        price of any capital stock of Cadence or any of its Subsidiaries) are outstanding.&#160; Cadence has paid or made due provision for the payment of all dividends payable on the outstanding shares of Cadence Preferred Stock through the most recent
        scheduled dividend payment date therefor, and has complied in all material respects with terms and conditions thereof.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(c)&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160; Cadence owns, directly or indirectly, all issued and outstanding shares of capital stock or other equity ownership interests of each of the Cadence Subsidiaries, free and clear of any liens, pledges,
        charges, encumbrances and security interests whatsoever (&#8220;<u>Liens</u>&#8221;), and all such shares or equity ownership interests are duly authorized and validly issued and are fully paid, nonassessable and free of preemptive rights, with no personal
        liability attaching to the ownership thereof.&#160; No Cadence Subsidiary has or is bound by any outstanding subscriptions, options, warrants, calls, rights, commitments or agreements of any character calling for the purchase or issuance of any shares
        of capital stock or any other equity security of such Subsidiary or any securities representing the right to purchase or otherwise receive any shares of capital stock or any other equity security of such Subsidiary.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">3.3&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);"><u>Authority; No Violation</u></font>.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(a)&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160; Cadence has full corporate power and authority to execute and deliver this Agreement and, subject to the shareholder action described below, to consummate the transactions contemplated hereby.&#160; The
        execution and delivery of this Agreement and the consummation of the Merger have been duly and validly approved by the Board of Directors of Cadence.&#160; The Board of Directors of Cadence has determined that the Merger, on the terms and conditions set
        forth in this Agreement, is advisable and in the best interests of Cadence and has directed that this Agreement and the transactions contemplated hereby be submitted to Cadence&#8217;s shareholders for approval at a duly held meeting of such shareholders
        and has adopted a resolution to the foregoing effect.&#160; Except for the approval of this Agreement by the affirmative vote of the holders of a majority of the outstanding shares of Cadence Common Stock entitled to vote on this Agreement (the &#8220;<u>Requisite





          Cadence Vote</u>&#8221;), no other corporate proceedings on the part of Cadence are necessary to approve this Agreement or to consummate the transactions contemplated hereby.&#160; This Agreement has been duly and validly executed and delivered by Cadence
        and (assuming due authorization, execution and delivery by Huntington) constitutes a valid and binding obligation of Cadence, enforceable against Cadence in accordance with its terms (except in all cases as such enforceability may be limited by
        bankruptcy, insolvency, fraudulent transfer, moratorium, reorganization or similar laws of general applicability relating to or affecting insured depository institutions or their parent companies or the rights of creditors generally and subject to
        general principles of equity (the &#8220;<u>Enforceability Exceptions</u>&#8221;)).</div>
      <div>&#160;</div>
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        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-12-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; Subject to the receipt of the Requisite Cadence Vote, neither the execution and delivery of this Agreement by Cadence nor the consummation by Cadence of the transactions contemplated hereby, nor compliance
        by Cadence with any of the terms or provisions hereof, will (i) violate any provision of the Cadence Articles or the Cadence Bylaws or comparable governing documents of any Cadence Subsidiary or (ii) assuming that the consents, approvals and
        filings referred to in Section 3.4 are duly obtained and/or made, (x) violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or injunction applicable to Cadence or any of its Subsidiaries or any of their
        respective properties or assets or (y) violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute a default)
        under, result in the termination of or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the respective properties or assets of Cadence or any of its Subsidiaries
        under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which Cadence or any of its Subsidiaries is a party, or by which they or any of
        their respective properties or assets may be bound, except (in the case of clause (ii) above) for such violations, conflicts, breaches, defaults, terminations, cancellations, accelerations or creations which, either individually or in the
        aggregate, would not reasonably be likely to have a Material Adverse Effect on Cadence.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">3.4&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Consents and Approvals</u></font>.&#160; Except for (a) the filing of any required applications, filings and notices, as applicable, with the NASDAQ, (b) the filing of any
        required applications, filings and notices, as applicable, with the NYSE, (c) the filing of any required applications, filings and notices, as applicable, with the OCC in connection with the Merger, including under the Bank Merger Act, and approval
        of such applications, filings and notices and expiration of any related waiting period, (d) the filing of any required applications, filings and notices, as applicable, with the Mississippi Department, (e) the filing of any required applications,
        filings or notices listed on Section 3.4 of the Cadence Disclosure Schedule or Section 4.4 of the Huntington Disclosure Schedule and approval or non-objection, as applicable, of such applications, filings and notices, (f) the filing with the Board
        of Governors of the Federal Reserve System (the &#8220;<u>Federal Reserve</u>&#8221;) of a joint proxy statement in definitive form relating to the meetings of Cadence&#8217;s and Huntington&#8217;s shareholders to be held in connection with this Agreement and the
        transactions contemplated hereby (including any amendments or supplements thereto, the &#8220;<u>Joint Proxy Statement</u>&#8221;), and of the registration statement on Form S-4 in which the Joint Proxy Statement will be included as a prospectus, to be filed
        with the Securities and Exchange Commission (the &#8220;<u>SEC</u>&#8221;) by Huntington in connection with the transactions contemplated by this Agreement (the &#8220;<u>S-4</u>&#8221;) and declaration of effectiveness of the S&#8209;4, (g) the filing of the Mississippi
        Articles of Merger with the Mississippi Secretary pursuant to the MBCA, (h) the filing with, and acceptance for record by, the Maryland Department of the Articles Supplementary for the New Huntington Preferred Stock, and (i) such filings and
        approvals as are required to be made or obtained under the securities or &#8220;Blue Sky&#8221; laws of various states in connection with the issuance of the shares of Huntington Common Stock and the New Huntington Preferred Stock (or depositary shares in
        respect thereof) pursuant to this Agreement and the approval of the listing of such Huntington Common Stock and New Huntington Preferred Stock (or depositary shares in respect thereof) on the NASDAQ, no consents or approvals of or filings or
        registrations with any court or administrative agency or commission or other governmental authority or instrumentality or SRO (each a &#8220;<u>Governmental Entity</u>&#8221;) are necessary in connection with (x) the execution and delivery by Cadence of this
        Agreement or (y) the consummation by Cadence of the Merger and the other transactions contemplated hereby.&#160; As used in this Agreement, &#8220;<u>SRO</u>&#8221; means (A) any &#8220;self-regulatory organization&#8221; as defined in Section 3(a)(26) of the Securities
        Exchange Act of 1934, as amended (the &#8220;<u>Exchange Act</u>&#8221;) and (B) any other United States or foreign securities exchange, futures exchange, commodities exchange or contract market.&#160; As of the date hereof, Cadence is not aware of any reason why
        the necessary regulatory approvals and consents will not be received in order to permit consummation of the Merger on a timely basis.</div>
      <div>&#160;</div>
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        <div class="BRPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="text-indent: 72pt;">3.5&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Reports</u></font>.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160; Cadence and each of its Subsidiaries have timely filed (or furnished, as applicable) all reports, registrations and statements, together with any amendments required to be made with respect thereto, that
        they were required to file (or furnish, as applicable) since January 1, 2023 with (i) any state regulatory authority, (ii) the SEC, (iii) the FDIC, (iv) the Federal Reserve, (v) the Mississippi Department, (vi) any foreign regulatory authority and
        (vii) any SRO (clauses (i) &#8211; (vii), together with the OCC, collectively, &#8220;<u>Regulatory Agencies</u>&#8221;), including any report, registration or statement required to be filed (or furnished, as applicable) pursuant to the laws, rules or regulations of
        the United States, any state, any foreign entity, or any Regulatory Agency, and have paid all fees and assessments due and payable in connection therewith, except where the failure to file such report, registration or statement or to pay such fees
        and assessments, either individually or in the aggregate, would not reasonably be likely to have a Material Adverse Effect on Cadence.&#160; Subject to Section 9.7 and except for normal examinations conducted by a Regulatory Agency in the ordinary
        course of business of Cadence and its Subsidiaries, no Regulatory Agency has initiated or has pending any proceeding or, to the knowledge of Cadence, investigation into the business or operations of Cadence or any of its Subsidiaries since January
        1, 2023, except where such proceedings or investigations would not reasonably be likely to have, either individually or in the aggregate, a Material Adverse Effect on Cadence.&#160; Subject to Section 9.7, there (x) is no unresolved violation,
        criticism, or exception by any Regulatory Agency with respect to any report or statement relating to any examinations or inspections of Cadence or any of its Subsidiaries, and (y) has been no formal or informal inquiries by, or disagreements or
        disputes with, any Regulatory Agency with respect to the business, operations, policies or procedures of Cadence or any of its Subsidiaries since January 1, 2023, in each case of clauses (x) and (y), which would reasonably be likely to have, either
        individually or in the aggregate, a Material Adverse Effect on Cadence.</div>
      <div>&#160;</div>
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        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-14-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; An accurate and complete copy of each final registration statement, prospectus, report, schedule and definitive proxy statement filed with or furnished to the FDIC (through November 21, 2024) and the
        Federal Reserve (from and after November 22, 2024), by Cadence or any of its Subsidiaries pursuant to the Exchange Act, as the case may be, since January 1, 2023 (the &#8220;<u>Cadence Reports</u>&#8221;) is publicly available.&#160; No such Cadence Report, at the
        time filed, furnished or communicated (and, in the case of registration statements and proxy statements, on the dates of effectiveness and the dates of the relevant meetings, respectively), contained any untrue statement of a material fact or
        omitted to state any material fact required to be stated therein or necessary in order to make the statements therein, in light of the circumstances in which they were made, not misleading, except that information filed or furnished as of a later
        date (but before the date of this Agreement) shall be deemed to modify information as of an earlier date.&#160; As of their respective dates, all Cadence Reports filed or furnished under the Exchange Act complied in all material respects with the
        published rules and regulations of the FDIC (through November 21, 2024) and the Federal Reserve (from and after November 22, 2024) with respect thereto.&#160; As of the date of this Agreement, no executive officer of Cadence has failed in any respect to
        make the certifications required of him or her under Section 302 or 906 of the Sarbanes-Oxley Act.&#160; As of the date of this Agreement, there are no outstanding comments from or material unresolved issues raised by the FDIC (through November 21,
        2024) or the Federal Reserve (from and after November 22, 2024) with respect to any of the Cadence Reports.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">3.6&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Financial Statements</u></font>.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The financial statements of Cadence and its Subsidiaries included (or incorporated by reference) in the Cadence Reports (including the related notes, where applicable) (i) have been prepared from, and are
        in accordance with, the books and records of Cadence and its Subsidiaries in all material respects, (ii) fairly present in all material respects the consolidated results of operations, cash flows, changes in shareholders&#8217; equity and consolidated
        financial position of Cadence and its Subsidiaries for the respective fiscal periods or as of the respective dates therein set forth (subject in the case of unaudited statements to year-end audit adjustments normal in nature and amount), (iii)
        complied, as of their respective dates of filing with the FDIC (through November 21, 2024) or the Federal Reserve (from and after November 22, 2024), in all material respects with applicable accounting requirements and with the published rules and
        regulations of the FDIC (through November 21, 2024) or the Federal Reserve (from and after November 22, 2024) with respect thereto, and (iv) have been prepared in accordance with GAAP consistently applied during the periods involved, except, in
        each case, as indicated in such statements or in the notes thereto.&#160; The books and records of Cadence and its Subsidiaries have been, since January 1, 2023, and are being, maintained in all material respects in accordance with GAAP and any other
        applicable legal and accounting requirements.&#160; Forvis Mazars, LLP has not resigned (or informed Cadence that it intends to resign) or been dismissed as independent public accountants of Cadence as a result of or in connection with any disagreements
        with Cadence on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Except as would not reasonably be likely to have, either individually or in the aggregate, a Material Adverse Effect on Cadence, neither Cadence nor any of its Subsidiaries has any liability of any nature
        whatsoever (whether absolute, accrued, contingent or otherwise and whether due or to become due) required by GAAP to be included on a consolidated balance sheet of Cadence, except for those liabilities that are reflected or reserved against on the
        consolidated balance sheet of Cadence included in its Quarterly Report on Form 10-Q for the fiscal quarter ended June 30, 2025 (including any notes thereto) and for liabilities incurred in the ordinary course of business consistent with past
        practice since June 30, 2025, or in connection with this Agreement and the transactions contemplated hereby.</div>
      <div>&#160;</div>
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        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-15-</font></div>
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      </div>
      <div style="text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The records, systems, controls, data and information of Cadence and its Subsidiaries are recorded, stored, maintained and operated under means (including any electronic, mechanical or photographic process,
        whether computerized or not) that are under the exclusive ownership and direct control of Cadence or its Subsidiaries or accountants (including all means of access thereto and therefrom), except for any non-exclusive ownership and non-direct
        control that would not reasonably be likely to have, either individually or in the aggregate, a Material Adverse Effect on Cadence.&#160; Cadence (i) has implemented and maintains disclosure controls and procedures (as defined in Rule 13a-15(e) of the
        Exchange Act) to ensure that material information relating to Cadence, including its Subsidiaries, is made known to the chief executive officer and the chief financial officer of Cadence by others within those entities as appropriate to allow
        timely decisions regarding required disclosures and to make the certifications required by the Exchange Act and Sections 302 and 906 of the Sarbanes-Oxley Act of 2002 (the &#8220;<u>Sarbanes-Oxley Act</u>&#8221;), and (ii) has disclosed, based on its most
        recent evaluation prior to the date hereof, to Cadence&#8217;s outside auditors and the audit committee of Cadence&#8217;s Board of Directors (x) any significant deficiencies and material weaknesses in the design or operation of internal control over financial
        reporting (as defined in Rule 13a-15(f) of the Exchange Act) which are reasonably likely to adversely affect Cadence&#8217;s ability to record, process, summarize and report financial information, and (y) to the knowledge of Cadence, any fraud, whether
        or not material, that involves management or other employees who have a significant role in Cadence&#8217;s internal controls over financial reporting.&#160; These disclosures were made in writing by management to Cadence&#8217;s auditors and audit committee and
        true, correct and complete copies of such disclosures have been made available to Huntington.&#160; To the knowledge of Cadence, there is no reason to believe that Cadence&#8217;s outside auditors and its chief executive officer and chief financial officer
        will not be able to give the certifications and attestations required pursuant to the rules and regulations adopted pursuant to Section 404 of the Sarbanes-Oxley Act, without qualification, when next due.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(d)&#160;&#160;&#160;&#160;&#160; &#160; &#160; Since January 1, 2023, (i) neither Cadence nor any of its Subsidiaries, nor, to the knowledge of Cadence, any director, officer, auditor, accountant or representative of Cadence or any of its Subsidiaries,
        has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim, whether written or, to the knowledge of Cadence, oral, regarding the accounting or auditing practices, procedures, methodologies or
        methods (including with respect to loan loss reserves, write-downs, charge-offs and accruals) of Cadence or any of its Subsidiaries or their respective internal accounting controls, including any material complaint, allegation, assertion or written
        claim that Cadence or any of its Subsidiaries has engaged in questionable accounting or auditing practices, and (ii) no employee of or attorney representing Cadence or any of its Subsidiaries, whether or not employed or retained by Cadence or any
        of its Subsidiaries, has reported evidence of a material violation of securities laws, breach of fiduciary duty or similar violation by Cadence or any of its Subsidiaries or any of their respective officers, directors, employees or agents to the
        Board of Directors of Cadence or any committee thereof or similar governing body of any Cadence Subsidiary or any committee thereof, or, to the knowledge of Cadence, to any director or officer of Cadence or any Cadence Subsidiary.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">3.7&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Broker&#8217;s Fees</u></font>.&#160; Neither Cadence nor any Cadence Subsidiary nor any of their respective officers or directors has employed any broker, finder or financial
        advisor or incurred any liability for any broker&#8217;s fees, commissions or finder&#8217;s fees in connection with the Merger or related transactions contemplated by this Agreement other than Keefe, Bruyette &amp; Woods, Inc.</div>
      <div>&#160;</div>
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      </div>
      <div style="text-indent: 72pt;">3.8&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Absence of Certain Changes or Events</u></font>.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(a)&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160; Since December 31, 2024, there has not been any effect, change, event, circumstance, condition, occurrence or development that has had or would reasonably be likely to have, either individually or in the
        aggregate, a Material Adverse Effect on Cadence.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(b)&#160;&#160;&#160; &#160; &#160;&#160;&#160; Since December 31, 2024, through the date of this Agreement, except with respect to the transactions contemplated hereby, Cadence and its Subsidiaries have carried on their respective businesses in all
        material respects in the ordinary course.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">3.9&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Legal Proceedings</u></font>.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Neither Cadence nor any of its Subsidiaries is a party to any, and there are no pending or, to the knowledge of Cadence, threatened, legal, administrative, arbitral or other proceedings, claims, actions or
        governmental or regulatory investigations of any nature against Cadence or any of its Subsidiaries or any of their current or former directors or executive officers, or of a nature challenging the validity or propriety of this Agreement or the
        transactions contemplated hereby, in each case, that would reasonably be likely to have, either individually or in the aggregate, a Material Adverse Effect on Cadence.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(b)&#160;&#160;&#160;&#160; &#160; &#160;&#160; There is no material injunction, order, judgment, decree, or regulatory restriction imposed upon Cadence, any of its Subsidiaries or the assets of Cadence or any of its Subsidiaries (or that, upon
        consummation of the Merger, would apply to the Surviving Bank or any of its affiliates).</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt; font-size: 12pt;"><font style="font-size: 10pt;">3.10&#160;&#160;&#160; &#160; &#160; <font style="color: rgb(0, 0, 0);"><u>Taxes and Tax Returns</u></font></font><font style="font-size: 10pt; color: rgb(0, 0, 0);">.</font><font style="font-size: 10pt; color: rgb(255, 0, 0);">&#160; </font><font style="font-size: 10pt;">In each case except as would not reasonably be likely to have a Material Adverse Effect on Cadence:</font></div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Each of Cadence and its Subsidiaries has duly and timely filed (taking into account all applicable extensions) all Tax Returns in all jurisdictions in which Tax Returns are required to be filed by it, and
        all such Tax Returns are true, correct, and complete.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Neither Cadence nor any of its Subsidiaries is the beneficiary of any extension of time within which to file any Tax Return (other than extensions to file Tax Returns obtained in the ordinary course).</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;All Taxes of Cadence and its Subsidiaries (whether or not shown on any Tax Returns) that are due have been fully and timely paid, except for Taxes that are being contested in good faith in appropriate
        proceedings and for which adequate reserves have been established in accordance with GAAP.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(d)&#160;&#160;&#160;&#160; &#160; &#160;&#160; Each of Cadence and its Subsidiaries has withheld and paid all Taxes required to have been withheld and paid in connection with amounts paid or owing to any employee, creditor, shareholder, independent
        contractor or other third party.</div>
      <div>&#160;</div>
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      </div>
      <div style="text-indent: 72pt;">(e)&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160; Neither Cadence nor any of its Subsidiaries has granted any extension or waiver of the limitation period applicable to any Tax that remains in effect.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(f)&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160; The federal income Tax Returns of Cadence and its Subsidiaries for all years up to and including the tax year ended December 31, <font style="color: rgb(0, 0, 0);">2020 </font>have been examined by the
        Internal Revenue Service (the &#8220;<u>IRS</u>&#8221;) or are Tax Returns with respect to which the applicable period for assessment under applicable law, after giving effect to extensions or waivers, has expired.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(g)&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160; No deficiency with respect to Taxes has been proposed, asserted or assessed against Cadence or any of its Subsidiaries.&#160; There are no pending or threatened (in writing) disputes, claims, audits,
        examinations or other proceedings regarding any Taxes of Cadence and its Subsidiaries or the assets of Cadence and its Subsidiaries.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(h)&#160;&#160;&#160;&#160; &#160; &#160;&#160; In the last six years, neither Cadence nor any of its Subsidiaries has been informed in writing by any jurisdiction that the jurisdiction believes that Cadence or any of its Subsidiaries was required to
        file any Tax Return that was not filed.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160; &#160; &#160; Cadence has made available to Huntington true, correct, and complete copies of any private letter ruling requests, closing agreements or gain recognition agreements with respect to Taxes requested or
        executed in the last six years.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(j)&#160;&#160;&#160;&#160;&#160;&#160; &#160; &#160; There are no Liens for Taxes (except Taxes not yet due and payable) on any of the assets of Cadence or any of its Subsidiaries.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(k)&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; Neither Cadence nor any of its Subsidiaries is a party to or is bound by any Tax sharing, allocation or indemnification agreement or arrangement (other than (i) such an agreement or arrangement exclusively
        between or among Cadence and its Subsidiaries or (ii) commercial agreements the principal purpose of which does not relate to Taxes).</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(l)&#160;&#160;&#160;&#160;&#160; &#160; &#160;&#160; Neither Cadence nor any of its Subsidiaries (i) has been a member of an affiliated group filing a consolidated federal income Tax Return (other than a group the common parent of which was Cadence) or (ii)
        has any liability for the Taxes of any person (other than Cadence or any of its Subsidiaries) under Treasury Regulations Section 1.1502-6 (or any similar provision of state, local or foreign law), as a transferee or successor, by contract or
        otherwise.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(m)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Neither Cadence nor any of its Subsidiaries has been, within the past two years or otherwise as part of a &#8220;plan (or series of related transactions)&#8221; within the meaning of Section 355(e) of the Code of which
        the Merger is also a part, a &#8220;distributing corporation&#8221; or a &#8220;controlled corporation&#8221; (within the meaning of Section 355(a)(1)(A) of the Code) in a distribution of stock intended to qualify for tax-free treatment under Section 355 of the Code.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(n)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Neither Cadence nor any of its Subsidiaries has participated in a &#8220;listed transaction&#8221; within the meaning of Treasury Regulations Section 1.6011-4(b)(2).</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(o)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; At no time during the past five years has Cadence been a United States real property holding corporation within the meaning of Section 897(c)(2) of the Code.</div>
      <div>&#160;</div>
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        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-18-</font></div>
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      </div>
      <div style="text-indent: 72pt;">(p)&#160;&#160;&#160;&#160;&#160; &#160;&#160; As used in this Agreement, the term &#8220;<u>Tax</u>&#8221; or &#8220;<u>Taxes</u>&#8221; means all federal, state, local, and foreign income, excise, gross receipts, ad valorem, profits, gains, property, capital, sales,
        transfer, use, license, payroll, employment, social security, severance, unemployment, withholding, duties, excise, windfall profits, intangibles, franchise, backup withholding, value added, alternative or add-on minimum, estimated and other taxes,
        charges, fees, levies or like assessments together with all penalties and additions to tax and interest thereon.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(q)&#160;&#160;&#160;&#160;&#160; &#160;&#160; As used in this Agreement, the term &#8220;<u>Tax Return</u>&#8221; means any return, declaration, report, claim for refund, estimate, or information return or statement relating to Taxes, including any schedule or
        attachment thereto, and including any amendment thereof, supplied or required to be supplied to a Governmental Entity.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">3.11&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Employees </u><u>and Employee Benefit Plans</u></font><u>.</u></div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Section 3.11(a) of the Cadence Disclosure Schedule lists all material Cadence Benefit Plans.&#160; For purposes of this Agreement, &#8220;<u>Cadence Benefit Plans</u>&#8221; means all employee benefit plans (as defined in
        Section 3(3) of the Employee Retirement Income Security Act of 1974, as amended (&#8220;<u>ERISA</u>&#8221;)), whether or not subject to ERISA, and all bonus, stock option, stock purchase, restricted stock, incentive, deferred compensation, retiree medical or
        life insurance, supplemental retirement, severance or other compensation or benefit plans, programs or arrangements, and all retention, bonus, employment, termination or severance plans, programs or arrangements or other contracts or agreements
        (collectively, &#8220;<u>Benefit Plans</u>&#8221;) to or with respect to which Cadence or any Subsidiary or any trade or business of Cadence or any of its Subsidiaries, whether or not incorporated, all of which together with Cadence would be deemed a &#8220;single
        employer&#8221; within the meaning of Section 4001 of ERISA (a &#8220;<u>Cadence ERISA Affiliate</u>&#8221;), is a party or has any current or future obligation or that are maintained, contributed to or sponsored by Cadence or any of its Subsidiaries or any Cadence
        ERISA Affiliate, or to which Cadence or any of its Subsidiaries is required or obligated to maintain, contribute to or sponsor, for the benefit of any current or former employee, officer, director or independent contractor of Cadence or any of its
        Subsidiaries or any Cadence ERISA Affiliate.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; Cadence has heretofore made available to Huntington true and complete copies of each of the material Cadence Benefit Plans and the following related documents, to the extent applicable: (i) all summary
        plan descriptions, amendments, modifications or material supplements to any Cadence Benefit Plan, (ii) the annual report (Form 5500), if any, filed with the Internal Revenue Service (the &#8220;<u>IRS</u>&#8221;) for the last two plan years, (iii) the most
        recently received IRS determination letter, if any, relating to any such Cadence Benefit Plan, (iv) the most recently prepared actuarial report for each such Cadence Benefit Plan (if applicable) for each of the last two years and (v) all material
        non-routine correspondence received from or sent to any Governmental Entity in the last two years.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Each Cadence Benefit Plan has been established, operated, maintained and administered in all respects in accordance with its terms and the requirements of all applicable laws, including ERISA and the Code,
        except for such noncompliance as would not result in any material liability to Cadence or its Subsidiaries.</div>
      <div>&#160;</div>
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        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-19-</font></div>
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      </div>
      <div style="text-indent: 72pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;With respect to each Cadence Benefit Plan that is intended to be qualified under Section 401(a) of the Code (the &#8220;<u>Cadence Qualified Plans</u>&#8221;), Cadence has received a favorable IRS determination letter
        (or an opinion or advisory letter upon which Cadence is entitled to rely) with respect to each Cadence Qualified Plan and the related trust, which letter has not been revoked (nor has revocation been threatened), and, to the knowledge of Cadence,
        there are no existing circumstances and no events have occurred that would have a material adverse effect on the qualified status of any Cadence Qualified Plan or the related trust or increase the costs relating thereto.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Except as would not, either individually or in the aggregate, reasonably be expected to result in a material liability to Cadence or its Subsidiaries, with respect to each Cadence Benefit Plan that is
        subject to Title IV or Section 302 of ERISA or Section 412, 430 or 4971 of the Code: (i) no such plan is in &#8220;at-risk&#8221; status for purposes of Section 430 of the Code, (ii) no reportable event within the meaning of Section 4043(c) of ERISA for which
        the 30-day notice requirement has not been waived has occurred, (iii) all premiums to the Pension Benefit Guaranty Corporation (the &#8220;<u>PBGC</u>&#8221;) have been timely paid in full, (iv) no material liability (other than for premiums to the PBGC) under
        Title IV of ERISA has been incurred by Cadence and its Subsidiaries or any Cadence ERISA Affiliate that has not been satisfied in full and no such liability is reasonably expected to be incurred, (v) the PBGC has not instituted proceedings to
        terminate any such Cadence Benefit Plan and, to the Cadence&#8217;s Knowledge, no condition exists that presents a risk that such proceedings will be instituted or which would constitute grounds under Section 4042 of ERISA for the termination of, or the
        appointment of a trustee to administer, any such Cadence Benefit Plan, and (vi) there does not exist any accumulated funding deficiency within the meaning of Section 412 of the Code or Section 302 of ERISA, and no waiver of any minimum funding
        standard or extension of any amortization period has been requested or granted that has not been waived.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; None of Cadence and its Subsidiaries nor any Cadence ERISA Affiliate maintains, sponsors or contributes to or has, at any time during the last six (6) years, maintained, sponsored, contributed to or been
        obligated to contribute to any plan that is a &#8220;multiemployer plan&#8221; within the meaning of Section 4001(a)(3) of ERISA (a &#8220;<u>Multiemployer Plan</u>&#8221;) or a plan that has two or more contributing sponsors at least two of whom are not under common
        control, within the meaning of Section 4063 of ERISA (a &#8220;<u>Multiple Employer Plan</u>&#8221;).</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(g)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Neither Cadence nor any of its Subsidiaries sponsors, has sponsored or has any obligation with respect to any employee benefit plan that provides for any post-employment or post-retirement health or
        medical or life insurance benefits for retired or former employees or beneficiaries or dependents thereof, except as required by Section 4980B of the Code.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(h)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Except as would not, either individually or in the aggregate, reasonably be expected to result in material liability to Cadence or its Subsidiaries, all contributions required to be made to any Cadence
        Benefit Plan by applicable law or by any plan document or other contractual undertaking, and all premiums due or payable with respect to insurance policies funding any Cadence Benefit Plan, since January 1, 2023, have been timely made or paid in
        full or, to the extent not required to be made or paid on or before the date hereof, have been fully reflected on the books and records of Cadence.&#160; There are no pending or, to the knowledge of Cadence, threatened (in writing) claims (other than
        claims for benefits in the ordinary course), lawsuits or arbitrations that have been asserted or instituted, and, to the knowledge of Cadence, no set of circumstances exists that may reasonably be likely to give rise to a material claim or lawsuit,
        against the Cadence Benefit Plans, any fiduciaries thereof with respect to their duties to the Cadence Benefit Plans or the assets of any of the trusts under any of the Cadence Benefit Plans that could in any case reasonably be likely to result in
        any material liability of Cadence or any of its Subsidiaries to the PBGC, the IRS, the Department of Labor, any Multiemployer Plan, a Multiple Employer Plan, any participant in a Cadence Benefit Plan, or any other party.</div>
      <div>&#160;</div>
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      </div>
      <div style="text-indent: 72pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; None of Cadence or its Subsidiaries nor any Cadence ERISA Affiliate nor, to the knowledge of Cadence, any other person, including any fiduciary, has engaged in any &#8220;prohibited transaction&#8221; (as defined in
        Section 4975 of the Code or Section 406 of ERISA) which could subject any of the Cadence Benefit Plans or their related trusts, Cadence, any of its Subsidiaries, any Cadence ERISA Affiliate or any person that Cadence or any of its Subsidiaries has
        an obligation to indemnify to any material tax or material penalty imposed under Section 4975 of the Code or Section 502 of ERISA.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(j)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; Neither the execution and delivery of this Agreement nor the consummation of the transactions contemplated hereby will (either alone or in conjunction with any other event) (i) entitle any employee,
        officer, director or independent contractor of Cadence or any of its Subsidiaries to any payment or benefit, including severance pay, unemployment compensation, accrued pension benefit, or a change in control bonus or retention payment, (ii) result
        in, accelerate, cause the vesting, exercisability, funding, payment or delivery of, or increase the amount or value of, any payment, right or other benefit to any employee, officer, director or independent contractor of Cadence or any of its
        Subsidiaries, (iii) accelerate the timing of or trigger any funding obligation under a rabbi trust or similar funding vehicle under any Cadence Benefit Plan, or (iv) result in any limitation on the right of Cadence or any of its Subsidiaries or
        Cadence ERISA Affiliates to amend, merge, terminate or receive a reversion of assets from any Cadence Benefit Plan or related trust.&#160; Without limiting the generality of the foregoing, no amount paid or payable (whether in cash, in property, or in
        the form of benefits) by Cadence or any of its Subsidiaries in connection with the transactions contemplated hereby (either solely as a result thereof or as a result of such transactions in conjunction with any other event) will be an &#8220;excess
        parachute payment&#8221; within the meaning of Section 280G of the Code. </div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(k)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; No Cadence Benefit Plan provides for the gross-up or reimbursement of Taxes under Section 409A or 4999 of the Code.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(l)&#160;&#160;&#160;&#160;&#160;&#160; &#160; &#160; There are no pending or, to the knowledge of Cadence, threatened (in writing) material labor grievances or material unfair labor practice claims or charges against Cadence or any of its Subsidiaries, or
        any strikes or other material labor disputes against Cadence or any of its Subsidiaries.&#160; Neither Cadence nor any of its Subsidiaries are party to or bound by any collective bargaining or similar agreement with any labor union, works council or
        similar labor organization, or work rules or practices agreed to with any labor organization or employee association applicable to employees of Cadence or any of its Subsidiaries, and, to the knowledge of Cadence, there are no organizing efforts by
        any union or other group seeking to represent any employees of Cadence or any of its Subsidiaries.</div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-21-</font></div>
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      </div>
      <div style="text-indent: 72pt;">(m)&#160;&#160;&#160;&#160;&#160;&#160;&#160; Cadence and its Subsidiaries are in compliance in all material respects with, and since January 1, 2023 have complied in all material respects with, all laws regarding employment and employment practices,
        terms and conditions of employment, wages and hours, plant closing notification, classification of employees and independent contractors, equitable pay practices, privacy right, labor disputes, employment discrimination, sexual harassment or
        discrimination, workers&#8217; compensation or long-term disability policies, retaliation, immigration, family and medical leave, occupational safety and health and other laws in respect of any reduction in force (including notice, information and
        consultation requirements).</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(n)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(i) To the knowledge of Cadence, no written allegations of sexual harassment, sexual misconduct or discrimination have been made since January 1, 2023 against any member of the Board of Directors of
        Cadence or Section 16 officer, (ii) since January 1, 2023, neither Cadence nor any of its Subsidiaries has entered into any settlement agreement related to allegations of sexual harassment, sexual misconduct or discrimination by any member of the
        Board of Directors of Cadence or any Section 16 officer, and (iii) there are no proceedings currently pending or, to the knowledge of Cadence, threatened related to any allegations of sexual harassment, sexual misconduct or discrimination by any
        member of the Board of Directors of Cadence or any Section 16 officer.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">3.12&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Compliance with Applicable Law</u></font>.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Cadence and each of its Subsidiaries hold, and have at all times since January 1, 2023 held, all licenses, franchises, permits and authorizations necessary for the lawful conduct of their respective
        businesses and ownership of their respective properties, rights and assets under and pursuant to each (and have paid all fees and assessments due and payable in connection therewith), except where neither the cost of failure to hold nor the cost of
        obtaining and holding such license, franchise, permit or authorization (nor the failure to pay any fees or assessments) would, either individually or in the aggregate, reasonably be likely to have a Material Adverse Effect on Cadence, and to the
        knowledge of Cadence no suspension or cancellation of any such necessary license, franchise, permit or authorization is threatened.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Except as would not reasonably be likely to have, either individually or in the aggregate, a Material Adverse Effect on Cadence, Cadence and each of its Subsidiaries have complied with and are not in
        default or violation under any law, statute, order, rule, regulation, policy or guideline of any Governmental Entity applicable to Cadence or any of its Subsidiaries, including (to the extent applicable to Cadence or its Subsidiaries) all laws
        related to data protection or privacy (including laws relating to the privacy and security of data or information that constitutes personal data or personal information under applicable law (&#8220;<u>Personal Data</u>&#8221;)), the USA PATRIOT Act, the Bank
        Secrecy Act, the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the Community Reinvestment Act, the Fair Credit Reporting Act and Regulation V, the Truth in Lending Act and Regulation Z, the Home Mortgage Disclosure Act and
        Regulation C, the Fair Debt Collection Practices Act, the Electronic Fund Transfer Act and Regulation E, the Dodd-Frank Wall Street Reform and Consumer Protection Act, any regulations promulgated by the Consumer Financial Protection Bureau, the
        Interagency Policy Statement on Retail Sales of Nondeposit Investment Products, the SAFE Mortgage Licensing Act of 2008, the Real Estate Settlement Procedures Act and Regulation X, Title V of the Gramm-Leach-Bliley Act, any and all sanctions or
        regulations enforced by the Office of Foreign Assets Control of the United States Department of Treasury and any other law or regulation relating to bank secrecy, discriminatory lending, financing or leasing practices, Executive Order 14331, money
        laundering prevention, Sections 23A and 23B of the Federal Reserve Act and Regulation W, the Sarbanes-Oxley Act, and all agency requirements relating to the origination, sale and servicing of mortgage and consumer loans.</div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-22-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160; &#160; &#160; Cadence has a Community Reinvestment Act rating of &#8220;outstanding&#8221; as of its most recently completed Community Reinvestment Act examination.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; Cadence maintains a written information privacy and security program that maintains reasonable measures to protect the privacy, confidentiality and security of all Personal Data against any (i) loss or
        misuse of Personal Data, (ii) unauthorized or unlawful operations performed upon Personal Data, or (iii) other act or omission that compromises the security or confidentiality of Personal Data.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; None of Cadence or any of its Subsidiaries, or to the knowledge of Cadence, any director, officer, employee, agent or other person acting on behalf of Cadence or any of its Subsidiaries has, directly or
        indirectly, (i) used any funds of Cadence or any of its Subsidiaries for unlawful contributions, unlawful gifts, unlawful entertainment or other expenses relating to political activity, (ii) made any unlawful payment to foreign or domestic
        governmental officials or employees or to foreign or domestic political parties or campaigns from funds of Cadence or any of its Subsidiaries, (iii) violated any provision that would result in the violation of the Foreign Corrupt Practices Act of
        1977, as amended, or any similar law, (iv) established or maintained any unlawful fund of monies or other assets of Cadence or any of its Subsidiaries, (v) made any fraudulent entry on the books or records of Cadence or any of its Subsidiaries, or
        (vi) made any unlawful bribe, unlawful rebate, unlawful payoff, unlawful influence payment, unlawful kickback or other unlawful payment to any person, private or public, regardless of form, whether in money, property or services, to obtain
        favorable treatment in securing business, to obtain special concessions for Cadence or any of its Subsidiaries, to pay for favorable treatment for business secured or to pay for special concessions already obtained for Cadence or any of its
        Subsidiaries, or is currently subject to any United States sanctions administered by the Office of Foreign Assets Control of the United States Treasury Department, except in each case as would not reasonably be likely to have, either individually
        or in the aggregate, a Material Adverse Effect on Cadence.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(f)&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160; As of the date hereof, Cadence maintains regulatory capital ratios that exceed the levels established for &#8220;well capitalized&#8221; institutions (under the relevant regulatory capital regulation of the
        institution&#8217;s primary bank regulator) and, as of the date hereof, Cadence has not received any notice from a Governmental Entity that its status as &#8220;well-capitalized&#8221; or that Cadence&#8217;s Community Reinvestment Act rating will change within one (1)
        year from the date of this Agreement.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(g)&#160;&#160;&#160;&#160;&#160; &#160; &#160; <font style="color: rgb(0, 0, 0);">Except as would not, either individually or in the aggregate, reasonably be likely to have a Material Adverse Effect on Cadence, (i) Cadence and each of its Subsidiaries
          have properly administered all accounts for which it acts as a fiduciary, including accounts for which it serves as a trustee, agent, custodian, personal representative, guardian, conservator or investment advisor, in accordance with the terms of
          the governing documents and applicable state, federal and foreign law; and (ii) none of Cadence, any of its Subsidiaries, or any of its or its Subsidiaries&#8217; directors, officers or employees, has committed any breach of trust or fiduciary duty
          with respect to any such fiduciary account, and the accountings for each such fiduciary account are true and correct and accurately reflect the assets and results of such fiduciary account.</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-23-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="text-indent: 72pt;">3.13&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Certain Contracts</u></font>.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Except as set forth in Section 3.13(a) of the Cadence Disclosure Schedule or as filed with or incorporated into any Cadence Report filed prior to the date hereof, as of the date hereof, neither Cadence nor
        any of its Subsidiaries is a party to or bound by any contract, arrangement, commitment or understanding (whether written or oral, but excluding any Cadence Benefit Plan):</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt; margin-left: 36pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; which is a &#8220;material contract&#8221; (as such term is defined in Item 601(b)(10) of Regulation S-K of the SEC);</div>
      <div>&#160;</div>
      <div style="margin-left: 36pt; text-indent: 72pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; which contains a provision that materially restricts the conduct of any line of business by Cadence or any of its Subsidiaries or upon consummation of the Merger will materially restrict
        the ability of the Surviving Bank or any of its affiliates to engage (x) in any line of business or in any geographic region or (y) solicit any customer, client or employee of any person in any jurisdiction (other than, in the case of this clause
        (y), contracts with vendors or restrictions on soliciting employees arising under confidentiality or non-disclosure entered into by Cadence or any of its Subsidiaries in the ordinary course of business);</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt; margin-left: 36pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; which is a collective bargaining agreement or similar agreement with any labor organization;</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt; margin-left: 36pt;">(iv)&#160;&#160;&#160;&#160;&#160;&#160;&#160; (A) that is an agreement for the incurrence of indebtedness by Cadence or any of its Subsidiaries, including any debt for borrowed money, obligations evidenced by notes, debentures or
        similar instruments, sale and leaseback transactions, capitalized or finance leases and other similar financing arrangements (other than deposit liabilities, trade payables, federal funds purchased, advances and loans from the Federal Home Loan
        Bank and securities sold under agreements to repurchase, in each case, incurred in the ordinary course of business consistent with past practice) or (B) that provides for the guarantee, support, indemnification, assumption or endorsement by Cadence
        or any of its Subsidiaries of, or any similar commitment by Cadence or any of its Subsidiaries with respect to, the obligations, liabilities or indebtedness of any other person, in the case of each of clauses (A) and (B), in an amount that can
        reasonably be expected to exceed $25,000,000);</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt; margin-left: 36pt;">(v)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;that (x) grants any right of first refusal, right of first offer or similar right with respect to any material assets, rights or properties of Cadence or its Subsidiaries, taken as a
        whole or (y) requires Cadence or its Subsidiaries to sell or purchase goods or services on an exclusive basis or make referrals of business to any person on an exclusive basis;</div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-24-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="text-indent: 72pt; margin-left: 36pt;">(vi)&#160;&#160;&#160;&#160;&#160;&#160;&#160; which creates future payment obligations in excess of $5,000,000 per annum (other than any such contracts which are terminable by Cadence or any of its Subsidiaries on sixty (60) days or
        less notice without any required payment or other conditions, other than the condition of notice), other than extensions of credit, other customary banking products offered by Cadence or its Subsidiaries, or derivatives issued or entered into in
        the ordinary course of business consistent with past practice;</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt; margin-left: 36pt;">(vii)&#160;&#160;&#160;&#160;&#160;&#160; that is a material joint venture or other material partnership agreement or arrangement;</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt; margin-left: 36pt;">(viii)&#160;&#160; &#160;&#160; that is a settlement, consent or similar agreement and contains any material continuing obligations imposed upon Cadence or any of its Subsidiaries; or</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt; margin-left: 36pt;">(ix)&#160;&#160;&#160;&#160;&#160;&#160;&#160; that relates to the acquisition or disposition of any person, business or asset and under which Cadence or its Subsidiaries have or may have ongoing obligations or liabilities that are
        material to Cadence and its Subsidiaries, taken as a whole.</div>
      <div>&#160;</div>
      <div>Each contract, arrangement, commitment or understanding of the type described in this Section 3.13(a), whether or not set forth in the Cadence Disclosure Schedule, is referred to herein as a &#8220;<u>Cadence Contract</u>,&#8221; and neither Cadence nor any
        of its Subsidiaries knows of, or has received written, or to the knowledge of Cadence, oral notice of, any violation of any Cadence Contract by any of the other parties thereto which would reasonably be likely to be, either individually or in the
        aggregate, material to Cadence and its Subsidiaries, taken as a whole.&#160; Cadence has made available to Huntington true, correct and complete copies of each Cadence Contract in effect as of the date hereof.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;In each case, except as would not reasonably be likely to have, either individually or in the aggregate, a Material Adverse Effect on Cadence:&#160; (i) each Cadence Contract is valid and binding on Cadence or
        one of its Subsidiaries, as applicable, and in full force and effect, (ii) Cadence and each of its Subsidiaries has performed all obligations required to be performed by it prior to the date hereof under each Cadence Contract, (iii) to the
        knowledge of Cadence each third-party counterparty to each Cadence Contract has performed all obligations required to be performed by it to date under such Cadence Contract, and (iv) no event or condition exists which constitutes or, after notice
        or lapse of time or both, will constitute, a default on the part of Cadence or any of its Subsidiaries or, to the knowledge of Cadence, any counterparty thereto, under any such Cadence Contract.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">3.14&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Agreements with Regulatory Agencies</u></font>.&#160; Subject to Section 9.7, neither Cadence nor any of its Subsidiaries is subject to any cease-and-desist or other order
        or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has
        been ordered to pay any civil money penalty by, or has been since January 1, 2023, a recipient of any supervisory letter from, or since January 1, 2023, has adopted any policies, procedures or board resolutions at the request of any Regulatory
        Agency or other Governmental Entity that currently restricts in any material respect or would reasonably be expected to restrict in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its
        ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Cadence Disclosure Schedule, a &#8220;<u>Cadence Regulatory Agreement</u>&#8221;), nor has Cadence or any of its
        Subsidiaries been advised in writing or, to the knowledge of Cadence, orally, since January 1, 2023, by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering, or requesting any such Cadence
        Regulatory Agreement.</div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-25-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="text-indent: 72pt;">3.15&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Risk Management Instruments</u></font>.&#160; Except as would not reasonably be likely to have, either individually or in the aggregate, a Material Adverse Effect on
        Cadence, all interest rate swaps, caps, floors, option agreements, futures and forward contracts and other similar derivative transactions and risk management arrangements, whether entered into for the account of Cadence or any of its Subsidiaries
        or for the account of a customer of Cadence or one of its Subsidiaries, were entered into in the ordinary course of business and in accordance with applicable rules, regulations and policies of any Regulatory Agency and with counterparties
        reasonably believed to be financially responsible at the time and are legal, valid and binding obligations of Cadence or one of its Subsidiaries enforceable in accordance with their terms (except as may be limited by the Enforceability
        Exceptions).&#160; Cadence and each of its Subsidiaries has duly performed in all material respects all its material obligations thereunder to the extent that such obligations to perform have accrued, and, to the knowledge of Cadence, there are no
        material breaches, violations or defaults or <font style="font-style: italic;">bona fide</font> allegations or assertions of such by any party thereunder.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt; color: rgb(0, 0, 0);">3.16&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Environmental Matters</u></font>.&#160; Except as would not reasonably be likely to have, either individually or in the aggregate, a Material Adverse
        Effect on Cadence, Cadence and its Subsidiaries are in compliance, and, since January 1, 2023 have complied, with all federal, state and local laws, regulation, orders, decrees, permits, authorizations, common laws and other legal requirements
        relating to: (a) the protection or restoration of the environment, health and safety as it relates to hazardous substance exposure or natural resource damages, (b) the handling, use, presence, disposal, release or threatened release of, or exposure
        to, any hazardous substance, or (c) noise, odor, wetlands, indoor air, pollution, environmental contamination or any injury to persons or property from exposure to any hazardous substance (collectively, &#8220;<u>Environmental Laws</u>&#8221;).&#160; There are no
        legal, administrative, arbitral or other proceedings, claims or actions, or, to the knowledge of Cadence, any private environmental investigations or remediation activities or governmental investigations of any nature seeking to impose, or that
        could reasonably be likely to result in the imposition, on Cadence or any of its Subsidiaries of any liability or obligation arising under any Environmental Law, pending or threatened against Cadence, which liability or obligation would reasonably
        be likely to have, either individually or in the aggregate, a Material Adverse Effect on Cadence.&#160; To the knowledge of Cadence, there is no reasonable basis for any such proceeding, claim, action or governmental investigation that would impose any
        liability or obligation that would reasonably be likely to have, either individually or in the aggregate, a Material Adverse Effect on Cadence.&#160; Cadence is not subject to any agreement, order, judgment, decree, letter agreement or memorandum of
        agreement by or with any court, Governmental Entity, regulatory agency or third party imposing any liability or obligation with respect to any Environmental Law that would reasonably be likely to have, either individually or in the aggregate, a
        Material Adverse Effect on Cadence.</div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-26-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="text-indent: 72pt;">3.17&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Investment Securities</u></font>.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Except as would not reasonably be likely to have, individually or in the aggregate, a Material Adverse Effect on Cadence, each of Cadence and its Subsidiaries has good title to all securities and
        commodities owned by it (except those sold under repurchase agreements or held in any fiduciary or agency capacity), free and clear of any Lien, except (i) as set forth in the financial statements included in the Cadence Reports and (ii) to the
        extent such securities or commodities are pledged in the ordinary course of business to secure obligations of Cadence or its Subsidiaries.&#160; Such securities and commodities are valued on the books of Cadence in accordance with GAAP in all material
        respects.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Cadence and its Subsidiaries employ, to the extent applicable, investment, securities, risk management and other policies, practices and procedures that Cadence believes are prudent and reasonable in the
        context of their respective businesses, and Cadence and its Subsidiaries have, since January 1, 2023, been in compliance with such policies, practices and procedures in all material respects.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">3.18&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Real Property</u></font>.&#160; Except as would not reasonably be likely, either individually or in the aggregate, to have a Material Adverse Effect on Cadence or a Cadence
        Subsidiary (a) has good and marketable title to all real property reflected in the latest audited balance sheet included in the Cadence Reports as being owned by Cadence or a Cadence Subsidiary or acquired after the date thereof (except properties
        sold or otherwise disposed of since the date thereof in the ordinary course of business) (the &#8220;<u>Cadence Owned Properties</u>&#8221;), free and clear of all material Liens, except (i) statutory Liens securing payments not yet due, (ii) Liens for real
        property Taxes not yet due and payable, (iii) easements, rights of way, and other similar encumbrances that do not materially affect the value or use of the properties or assets subject thereto or affected thereby or otherwise materially impair
        business operations at such properties and (iv) such imperfections or irregularities of title or Liens as do not materially affect the value or use of the properties or assets subject thereto or affected thereby or otherwise materially impair
        business operations at such properties (collectively, &#8220;<u>Permitted Encumbrances</u>&#8221;), and (b) is the lessee of all leasehold estates reflected in the latest audited financial statements included in such Cadence Reports or acquired after the date
        thereof (except for leases that have expired by their terms since the date thereof) (collectively with the Cadence Owned Properties, the &#8220;<u>Cadence Real Property</u>&#8221;), free and clear of all material Liens of any nature whatsoever, except for
        Permitted Encumbrances, and is in possession of the properties purported to be leased thereunder, and each such lease is valid without material default thereunder by the lessee or, to the knowledge of Cadence, the lessor.&#160; There are no material
        pending or, to the knowledge of Cadence, threatened condemnation proceedings against any Cadence Real Property.</div>
      <div>&#160;</div>
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      </div>
      <div style="text-indent: 72pt;">3.19&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Intellectual Property; Information Technology</u></font>.&#160; Cadence and each of its Subsidiaries owns, or has a valid right to use and practice, in the manner used and
        practiced by Cadence and its applicable Subsidiaries, all Intellectual Property necessary for the conduct of its business as currently conducted.&#160; All of such owned Intellectual Property is owned by Cadence and each of its Subsidiaries free and
        clear of any material Liens other than any Permitted Encumbrances (it being understood that licenses, covenants not to sue and similar rights or immunities granted with respect to Intellectual Property are not &#8220;Liens&#8221; for the purposes of the
        foregoing).&#160; Except as would not reasonably be likely, either individually or in the aggregate, to have a Material Adverse Effect on Cadence:&#160; (a) the conduct of the businesses of Cadence and its Subsidiaries does not infringe, misappropriate or
        otherwise violate the rights of any person, and since January 1, 2023 has not infringed, misappropriated or otherwise violated the rights of any person, and is and has been (since January 1, 2023) in accordance with any applicable agreement
        pursuant to which Cadence or any Cadence Subsidiary acquired the right to use any applicable Intellectual Property; (b) no person has, since January 1, 2023, asserted to Cadence in writing that Cadence or any of its Subsidiaries has infringed,
        misappropriated or otherwise violated the Intellectual Property rights of such person; (c) to the knowledge of Cadence, no person is challenging, infringing on or otherwise violating any right of Cadence or any of its Subsidiaries with respect to
        any Intellectual Property owned by Cadence or its Subsidiaries; (d) neither Cadence nor any Cadence Subsidiary has, since January 1, 2023, received any written notice of any pending claim with respect to any Intellectual Property owned by Cadence
        or any Cadence Subsidiary; and (e) since January 1, 2023, to the knowledge of Cadence, no third party has gained unauthorized access to any information technology assets controlled by Cadence or its Subsidiaries.&#160; Except as would not reasonably be
        likely, either individually or in the aggregate, to have a Material Adverse Effect on Cadence, Cadence and its Subsidiaries have taken commercially reasonable actions to avoid the abandonment, cancellation or unenforceability of all Intellectual
        Property owned by Cadence and its Subsidiaries.&#160; For purposes of this Agreement, &#8220;<u>Intellectual Property</u>&#8221; means trademarks, service marks, brand names, Internet domain names, logos, symbols, certification marks, trade dress and other
        indications of origin, the goodwill associated with the foregoing and registrations in any jurisdiction of, and applications in any jurisdiction to register, the foregoing, including any extension, modification or renewal of any such registration
        or application; inventions, discoveries and ideas, whether patentable or not, in any jurisdiction; patents, applications for patents (including divisions, continuations, continuations in part and renewal applications), all improvements thereto and
        any re-examinations, renewals, extensions or reissues thereof, in any jurisdiction; trade secrets and know-how (including processes, technologies, protocols, formulae, prototypes and confidential information and rights in any jurisdiction to limit
        the use or disclosure thereof by any person); writings and other works, whether copyrightable or not and whether in published or unpublished works, in any jurisdiction; and registrations or applications for registration of copyrights in any
        jurisdiction, and any renewals or extensions thereof; and any similar intellectual property or proprietary rights.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt; font-size: 12pt;"><font style="font-size: 10pt;">3.20&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Related Party Transactions</u></font></font><font style="font-size: 10pt; color: rgb(0, 0, 0);">.&#160; </font><font style="font-size: 10pt;">There are no transactions or series of related transactions, agreements, arrangements or understandings, nor are there any currently proposed transactions or series of related transactions, between Cadence or any of its
          Subsidiaries, on the one hand, and any current or former director or &#8220;executive officer&#8221; (as defined in Rule 3b-7 under the Exchange Act) of Cadence or any of its Subsidiaries or any person who beneficially owns (as defined in Rules 13d-3 and
          13d-5 of the Exchange Act) five percent (5%) or more of the outstanding Cadence Common Stock (or any of such person&#8217;s immediate family members or affiliates) (other than Subsidiaries of Cadence), on the other hand, of the type required to be
          reported in any Cadence Report pursuant to Item 404 of Regulation S-K promulgated under the Exchange Act that have not been so reported on a timely basis.</font></div>
      <div>&#160;</div>
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      </div>
      <div style="text-indent: 72pt;">3.21&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Takeover Restrictions</u></font>.&#160; The Board of Directors of Cadence has approved this Agreement and the transactions contemplated hereby as required to render
        inapplicable to this Agreement and the transactions contemplated hereby any applicable provisions of the takeover laws of any state, including any &#8220;moratorium,&#8221; &#8220;control share,&#8221; &#8220;fair price,&#8221; &#8220;takeover&#8221; or &#8220;interested shareholder&#8221; law or any
        similar provisions of the Cadence Articles or Cadence Bylaws (any such laws, collectively with any similar provisions of the Cadence Articles or Cadence Bylaws or the Huntington Articles or Huntington Bylaws, as applicable, &#8220;<u>Takeover
          Restrictions</u>&#8221;).&#160; In accordance with Section 79-4-13.02(b)(2)(i) of the MBCA, no appraisal or dissenters&#8217; rights will be available to holders of Cadence Common Stock or Cadence Preferred Stock connection with the Merger.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">3.22&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Reorganization</u></font>.&#160; Cadence has not taken any action and is not aware of any fact or circumstance that could reasonably be expected to prevent the Merger from
        qualifying as a &#8220;reorganization&#8221; within the meaning of Section 368(a) of the Code.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">3.23&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Opinion</u></font>.&#160; Prior to the execution of this Agreement, the Board of Directors of Cadence has received an opinion (which, if initially rendered orally, has been
        or will be confirmed by a written opinion, dated the same date) from Keefe, Bruyette &amp; Woods, to the effect that, as of the date thereof, and based upon and subject to the factors, assumptions and limitations set forth therein, the Exchange
        Ratio pursuant to this Agreement is fair, from a financial point of view, to the holders of Cadence Common Stock.&#160; Such opinion has not been amended or rescinded as of the date of this Agreement.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">3.24&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Cadence Information</u></font>.&#160; The information relating to Cadence and its Subsidiaries that is provided by Cadence or its representatives specifically for inclusion
        in (a) the Joint Proxy Statement, (b) the S-4, (c) the documents and financial statements of Cadence incorporated by reference in the Joint Proxy Statement, the S-4 or any amendment or supplement thereto or (d) any other document filed with any
        other Regulatory Agency or Governmental Entity in connection herewith will not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements therein, in light of the circumstances in which they
        are made, not misleading.&#160; The portions of the Joint Proxy Statement relating to Cadence and its Subsidiaries and other portions within the reasonable control of Cadence and its Subsidiaries will comply in all material respects with the provisions
        of the Exchange Act and the rules and regulations thereunder.&#160; Notwithstanding the foregoing, no representation or warranty is made by Cadence with respect to statements made or incorporated by reference therein based on information provided or
        supplied by or on behalf of Huntington or its Subsidiaries for inclusion in the Joint Proxy Statement or the S-4.</div>
      <div>&#160;</div>
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      </div>
      <div style="text-indent: 72pt;">3.25&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Loan Portfolio</u></font>.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; As of the date hereof, except as set forth in Section 3.25(a) of the Cadence Disclosure Schedule, neither Cadence nor any of its Subsidiaries is a party to any written or oral (i) loan, loan agreement,
        note or borrowing arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, &#8220;<u>Loans</u>&#8221;) in which Cadence or any Subsidiary of Cadence is a creditor which as of August 31, 2025 had an
        outstanding balance of $5,000,000 or more and under the terms of which the obligor was, as of August 31, 2025, over ninety (90) days or more delinquent in payment of principal or interest, or (ii) &#8220;extensions of credit&#8221; to any &#8220;executive officer&#8221;
        or other &#8220;insider&#8221; of Cadence or any of its Subsidiaries (as such terms are defined in 12 C.F.R. Part 215).&#160; Each &#8220;extension of credit&#8221; to any such &#8220;executive officer&#8221; or other &#8220;insider&#8221; of Cadence or any of its Subsidiaries is subject to and was
        made and continues to be in compliance with 12 C.F.R. Part 215 in all material respects or is exempt therefrom.&#160; Except as such disclosure may be limited by any applicable law, rule or regulation, Section 3.25(a) of the Cadence Disclosure Schedule
        sets forth a true, correct and complete list of all Loans of Cadence and its Subsidiaries that, as of August 31, 2025, had an outstanding balance of $1,000,000 or more and were classified by Cadence as &#8220;Other Loans Specially Mentioned,&#8221; &#8220;Special
        Mention,&#8221; &#8220;Substandard,&#8221; &#8220;Doubtful,&#8221; &#8220;Loss,&#8221; &#8220;Classified,&#8221; &#8220;Criticized,&#8221; &#8220;Credit Risk Assets,&#8221; &#8220;Concerned Loans,&#8221; &#8220;Watch List&#8221; or words of similar import, together with the principal amount of and accrued and unpaid interest on each such Loan, and
        the aggregate principal amount of and accrued and unpaid interest on such Loans as of such date.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Except as would not reasonably be likely to have, either individually or in the aggregate, a Material Adverse Effect on Cadence, each outstanding Loan of Cadence or its Subsidiaries (i) is evidenced by
        notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to be, (ii) to the extent carried on the books and records of Cadence and its Subsidiaries as secured Loans, has been secured by valid Liens, which
        have been perfected and (iii) is the legal, valid and binding obligation of the obligor named therein, enforceable in accordance with its terms, subject to the Enforceability Exceptions.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Except as would not reasonably be likely to have, either individually or in the aggregate, a Material Adverse Effect on Cadence, each outstanding Loan of Cadence or its Subsidiaries (including Loans held
        for resale to investors) was solicited and originated, and is and has been administered and, where applicable, serviced, and the relevant Loan files are being maintained, in all material respects, in accordance with the relevant notes or other
        credit or security documents, the applicable written underwriting standards of Cadence and its Subsidiaries (and, in the case of Loans held for resale to investors, the applicable underwriting standards, if any, of the applicable investors) and
        with all applicable federal, state and local laws, regulations and rules.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; None of the agreements pursuant to which Cadence or any of its Subsidiaries has sold Loans or pools of Loans or participations in Loans or pools of Loans contains any obligation to repurchase such Loans or
        interests therein solely on account of a payment default (other than early payment defaults) by the obligor on any such Loan.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Neither Cadence nor any of its Subsidiaries is now, nor has it ever been since January 1, 2023, subject to any material fine, suspension, settlement or other administrative agreement or sanction by, or any
        reduction in any loan purchase commitment, any Governmental Entity or Regulatory Agency relating to the origination, sale or servicing of mortgage or consumer Loans.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">3.26&#160;&#160;&#160;&#160;&#160;&#160; <u>Insurance</u>.&#160; Except as would not reasonably be likely, either individually or in the aggregate, to have a Material Adverse Effect on Cadence, (a) Cadence and its Subsidiaries are insured with
        reputable insurers against such risks and in such amounts as the management of Cadence reasonably has determined to be prudent and consistent with industry practice, and neither Cadence nor any of its Subsidiaries has received notice to the effect
        that any of them are in default under any material insurance policy, (b) each such policy is outstanding and in full force and effect and, except for policies insuring against potential liabilities of officers, directors and employees of Cadence
        and its Subsidiaries, Cadence or the relevant Subsidiary thereof is the sole beneficiary of such policies, and (c) all premiums and other payments due under any such policy have been paid, and all claims thereunder have been filed in due and timely
        fashion.</div>
      <div>&#160;</div>
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      </div>
      <div style="text-indent: 72pt;">3.27&#160;&#160;&#160;&#160;&#160;&#160; <u>Investment Advisor Subsidiary</u>.&#160; Linscomb Wealth, Inc. (&#8220;<u>Cadence Advisory Subsidiary</u>&#8221;) is registered as an investment adviser under the Investment Advisers Act of 1940, as amended (the &#8220;<u>Investment





          Advisers Act</u>&#8221;), and has operated since January 1, 2023 and is currently operating in compliance with all laws applicable to it or its business and has all registrations, permits, licenses, exemptions, orders and approvals required for the
        operation of its business or ownership of its properties and assets substantially as presently conducted, except, in each case, as would not reasonably be likely, either individually or in the aggregate, to have a Material Adverse Effect on
        Cadence.&#160; The accounts of each advisory client of Cadence or its Subsidiaries, for purposes of the Investment Advisers Act, that are subject to ERISA have been managed by the Cadence Advisory Subsidiary in compliance with the applicable
        requirements of ERISA, except as would not reasonably be likely, either individually or in the aggregate, to have a Material Adverse Effect on Cadence.&#160; Neither Cadence Advisory Subsidiary nor any person &#8220;associated&#8221; (as defined in the Investment
        Advisers Act) is ineligible pursuant to Section 203 of the Investment Advisers Act to serve as an investment adviser or as a person associated with a registered investment adviser, except as would not reasonably be likely, either individually or in
        the aggregate, to have a Material Adverse Effect on Cadence.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">3.28&#160;&#160;&#160;&#160;&#160;&#160; <u>No Broker-Dealer Subsidiary</u>.&#160; <font style="color: rgb(0, 0, 0);">Neither Cadence nor any Cadence Subsidiary is a broker-dealer required to be registered under the Exchange Act with the SEC.</font></div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">3.29&#160;&#160;&#160;&#160;&#160;&#160; <u>No Other Representations or Warranties</u>.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Except for the representations and warranties made by Cadence in this Article III, neither Cadence nor any other person makes any express or implied representation or warranty with respect to Cadence, its
        Subsidiaries, or their respective businesses, operations, assets, liabilities, conditions (financial or otherwise) or prospects, and Cadence hereby disclaims any such other representations or warranties.&#160; In particular, without limiting the
        foregoing disclaimer, neither Cadence nor any other person makes or has made any representation or warranty to the Huntington Parties or any of its affiliates or representatives with respect to (i) any financial projection, forecast, estimate,
        budget or prospective information relating to Cadence, any of its Subsidiaries or their respective businesses, or (ii) except for the representations and warranties made by Cadence in this Article III, any oral or written information presented to
        the Huntington Parties or any of its affiliates or representatives in the course of their due diligence investigation of Cadence, the negotiation of this Agreement or in the course of the transactions contemplated hereby.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Cadence acknowledges and agrees that neither Huntington nor any other person has made or is making any express or implied representation or warranty other than those contained in Article IV.</div>
      <div>&#160;</div>
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      </div>
      <div style="text-align: center;">ARTICLE IV</div>
      <div>&#160;</div>
      <div style="text-align: center;">REPRESENTATIONS AND WARRANTIES OF HUNTINGTON PARTIES</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">Except (i) as disclosed in the disclosure schedule delivered by the Huntington Parties to Cadence concurrently herewith (the &#8220;<u>Huntington Disclosure Schedule</u>&#8221;); <u>provided</u>, that (a) no such item is required
        to be set forth as an exception to a representation or warranty if its absence would not result in the related representation or warranty being deemed untrue or incorrect, (b) the mere inclusion of an item in the Huntington Disclosure Schedule as
        an exception to a representation or warranty shall not be deemed an admission by the Huntington Parties that such item represents a material exception or fact, event or circumstance or that such item is reasonably likely to result in a Material
        Adverse Effect, and (c) any disclosures made with respect to a section of this Article IV shall be deemed to qualify (1) any other section of this Article IV specifically referenced or cross-referenced and (2) other sections of this Article IV to
        the extent it is reasonably apparent on its face (notwithstanding the absence of a specific cross reference) from a reading of the disclosure that such disclosure applies to such other sections or (ii) as disclosed in any Huntington Reports
        publicly filed prior to the date hereof (but disregarding risk factor disclosures contained under the heading &#8220;Risk Factors,&#8221; or disclosures of risks set forth in any &#8220;forward-looking statements&#8221; disclaimer or any other statements that are
        similarly non-specific or cautionary, predictive or forward-looking in nature), Huntington and Huntington National Bank hereby represent and warrant to Cadence as follows:</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">4.1&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Corporate Organization</u></font>.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Huntington is a corporation duly organized, validly existing and in good standing under the laws of the State of Maryland and is a bank holding company duly registered under the BHC Act that has elected to
        be treated as a financial holding company under the BHC Act.&#160; Huntington has the corporate power and authority to own, lease or operate all its properties and assets and to carry on its business as it is now being conducted in all material
        respects.&#160; Huntington is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business conducted by it or the character or location of the properties and assets owned, leased or operated by
        it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually or in the aggregate, reasonably be likely to have a Material Adverse
        Effect on the Huntington Parties.&#160; True and complete copies of the Articles of Restatement of Charter of Huntington, as amended (&#8220;<u>Huntington Articles</u>&#8221;), and Amended and Restated Bylaws of Huntington (&#8220;<u>Huntington Bylaws</u>&#8221;), as in effect
        as of the date of this Agreement, have previously been made available by Huntington to Cadence.</div>
      <div>&#160;</div>
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        <div class="BRPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Except, in the case of clauses (ii) and (iii) only, as would not reasonably be likely to have, individually or in the aggregate, a Material Adverse Effect on Huntington, each Subsidiary of Huntington,
        including Huntington National Bank (a &#8220;<u>Huntington Subsidiary</u>&#8221;) (i) is duly organized and validly existing under the laws of its jurisdiction of organization, (ii) is duly licensed or qualified to do business and, where such concept is
        recognized under applicable law, in good standing in all jurisdictions (whether federal, state, local or foreign) where its ownership, leasing or operation of property or the conduct of its business requires it to be so licensed or qualified or in
        good standing and (iii) has all requisite corporate power and authority to own, lease or operate its properties and assets and to carry on its business as now conducted.&#160; There are no restrictions on the ability of any Subsidiary of Huntington to
        pay dividends or distributions, except, in the case of a Subsidiary that is a regulated entity, for restrictions on dividends or distributions generally applicable to all such regulated entities.&#160; The deposit accounts of each Subsidiary of
        Huntington that is an insured depository institution are insured by the FDIC through the Deposit Insurance Fund to the fullest extent permitted by law, all premiums and assessments required to be paid in connection therewith have been paid when
        due, and no proceedings for the termination of such insurance are pending or, to the knowledge of Huntington, threatened.&#160; Section 4.1(b) of the Huntington Disclosure Schedule sets forth a true and complete list of all Subsidiaries of Huntington as
        of the date hereof.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">4.2&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Capitalization</u></font>.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(a)&#160;&#160;&#160;&#160; &#160; &#160;&#160; As of the date of this Agreement, the authorized capital stock of Huntington consists of 2,250,000,000 shares of Huntington Common Stock and 6,617,808 shares of preferred stock, par value $0.01 per share
        (&#8220;<u>Huntington Preferred Stock</u>&#8221;).&#160; As of October 22, 2025, no shares of capital stock or other voting securities of Huntington are issued, reserved for issuance or outstanding, other than (i) 1,572,176,401 shares of Huntington Common Stock
        issued and outstanding, (ii) 9,010,259 shares of Huntington Common Stock reserved for issuance upon the exercise of outstanding stock options to purchase shares of Huntington Common Stock granted under a Huntington Stock Plan (&#8220;<u>Huntington Stock
          Options</u>&#8221;), (iii) 29,967,515 shares of Huntington Common Stock reserved for issuance upon the settlement of outstanding restricted stock units in respect of shares of Huntington Common Stock granted under a Huntington Stock Plan (&#8220;<u>Huntington





          Restricted Stock Unit Awards</u>&#8221;) (assuming that performance with respect to performance-vesting Huntington Restricted Stock Unit Awards is achieved at maximum performance), (iv) 1,316,223 Huntington deferred stock units in respect of 1,316,223
        shares of Huntington Common Stock granted under a Huntington Stock Plan (&#8220;<u>Huntington Deferred Stock Unit Awards</u>&#8221;), (v) 28,737,699 shares of Huntington Common Stock reserved for issuance pursuant to future grants under the Huntington Stock
        Plans, and (vi) 885,000 shares of Huntington Preferred Stock issued and outstanding.&#160; As used herein, the &#8220;<u>Huntington Stock Plans</u>&#8221; shall mean all employee and director equity incentive plans of Huntington in effect as of the date of this
        Agreement and agreements for equity awards in respect of Huntington Common Stock granted by Huntington under the inducement grant exception.&#160; As of the date of this Agreement, except as set forth in the immediately preceding sentence and for
        changes since October 22, 2025 resulting from the exercise, vesting or settlement of any Huntington equity awards described in the immediately preceding sentence, there are no shares of capital stock or other voting securities or equity interests
        of Huntington issued, reserved for issuance or outstanding.&#160; All issued and outstanding shares of Huntington Common Stock and Huntington Preferred Stock have been duly authorized and validly issued and are fully paid, nonassessable and free of
        preemptive rights, with no personal liability attaching to the ownership thereof.&#160; No bonds, debentures, notes or other indebtedness that have the right to vote on any matters on which shareholders of Huntington may vote are issued or outstanding.&#160;
        Except as set forth in Section 4.2(a) of the Huntington Disclosure Schedule, as of the date of this Agreement, no trust preferred or subordinated debt securities of Huntington are issued or outstanding.&#160; Other than Huntington Stock Options,
        Huntington Restricted Stock Unit Awards and Huntington Deferred Stock Unit Awards, in each case, issued prior to the date of this Agreement as described in this Section 4.2(a), as of the date of this Agreement, there are no outstanding
        subscriptions, options, warrants, puts, calls, rights, exchangeable or convertible securities or other commitments or agreements obligating Huntington to issue, transfer, sell, purchase, redeem or otherwise acquire any such securities.</div>
      <div>&#160;</div>
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        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-33-</font></div>
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      </div>
      <div style="text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;There are no voting trusts, shareholder agreements, proxies or other agreements in effect pursuant to which Huntington or any of its Subsidiaries has a contractual or other obligation with respect to the
        voting or transfer of the Huntington Common Stock or other equity interests of Huntington.&#160; Huntington has paid or made due provision for the payment of all dividends payable on the outstanding shares of Huntington Preferred Stock through the most
        recent scheduled dividend payment date therefor, and has complied in all material respects with terms and conditions thereof.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Huntington owns, directly or indirectly, all issued and outstanding shares of capital stock or other equity ownership interests of each Huntington Subsidiary, free and clear of any Liens, and all such
        shares or equity ownership interests are duly authorized and validly issued and are fully paid, nonassessable (except, with respect to Huntington Subsidiaries that are insured depository institutions, as provided under 12 U.S.C. &#167; 55 or any
        comparable provision of applicable state law) and free of preemptive rights, with no personal liability attaching to the ownership thereof.&#160; No Huntington Subsidiary has or is bound by any outstanding subscriptions, options, warrants, calls,
        rights, commitments or agreements of any character calling for the purchase or issuance of any shares of capital stock or any other equity security of such Subsidiary or any securities representing the right to purchase or otherwise receive any
        shares of capital stock or any other equity security of such Subsidiary.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">4.3&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Authority; No Violation</u></font>.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Each of Huntington and Huntington National Bank has full corporate power and authority to execute and deliver this Agreement and, subject to the shareholder and other actions described below, to consummate
        the transactions contemplated hereby.&#160; The execution and delivery of this Agreement and the consummation of the Merger have been duly and validly approved by the Board of Directors of each of Huntington and Huntington National Bank.&#160; The Board of
        Directors of each of Huntington and Huntington National Bank has determined that the Merger, on the terms and conditions set forth in this Agreement, is advisable and in the best interests of Huntington, Huntington National Bank and their
        respective shareholders, Huntington has directed that the i<font style="color: rgb(0, 0, 0);">ssuance of Huntington Common Stock in connection with the Merger be submitted to its shareholders for approval at a duly held meeting of such shareholders
          and has adopted resolutions to the foregoing effect, and Huntington National Bank has directed that this Agreement and the transactions contemplated hereby be approved by Huntington, as its sole shareholder, at a duly held meeting or by unanimous
          written consent.&#160; </font>Except for (i) the<font style="color: rgb(0, 0, 0);">&#160;approval of the issuance of Huntington Common Stock pursuant to this Agreement by a majority of the votes cast by holders of outstanding Huntington Common Stock at
          the Huntington Meeting (</font>the &#8220;<u>Requisite Huntington Vote</u>&#8221;) <font style="color: rgb(0, 0, 0);">and adoption of this Agreement by Huntington as the sole shareholder of Huntington National Bank, (ii) the adoption, approval and filing of
          the Articles Supplementary with respect to the New Huntington Preferred Stock with the Maryland Department, </font>and (iii) the adoption of resolutions to give effect to the provisions of Section 6.13 in connection with the Closing, no other
        corporate proceedings on the part of Huntington or Huntington National Bank are necessary to approve this Agreement or to consummate the transactions contemplated hereby.&#160; This Agreement has been duly and validly executed and delivered by
        Huntington and Huntington National Bank and (assuming due authorization, execution and delivery by Cadence) constitutes a valid and binding obligation of each of Huntington and Huntington National Bank, enforceable against them in accordance with
        its terms (except in all cases as such enforceability may be limited by the Enforceability Exceptions).&#160; Subject to the receipt of the Requisite Huntington Vote, the shares of Huntington Common Stock and New Huntington Preferred Stock (or
        depositary shares in respect thereof) to be issued in the Merger have been validly authorized and, when issued, will be validly issued, fully paid and nonassessable, and no current or past shareholder of Huntington will have any preemptive right or
        similar rights in respect thereof.</div>
      <div>&#160;</div>
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        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-34-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="text-indent: 72pt;">(b)&#160;&#160;&#160; &#160; &#160;&#160;&#160; Subject to the receipt of the Requisite Huntington Vote, neither the execution and delivery of this Agreement by the Huntington Parties, nor the consummation by the Huntington Parties of the transactions
        contemplated hereby, nor compliance by the Huntington Parties with any of the terms or provisions hereof, will (i) violate any provision of the Huntington Articles or the Huntington Bylaws or comparable governing documents of any Huntington
        Subsidiary or (ii) assuming that the consents, approvals and filings referred to in Section 4.4 are duly obtained and/or made, (x) violate any law, statute, code, ordinance, rule, regulation, judgment, order, writ, decree or injunction applicable
        to Huntington, any of its Subsidiaries or any of their respective properties or assets or (y) violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default (or an event which, with notice or
        lapse of time, or both, would constitute a default) under, result in the termination of or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the respective
        properties or assets of Huntington or any of its Subsidiaries under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which Huntington
        or any of its Subsidiaries is a party, or by which they or any of their respective properties or assets may be bound, except (in the case of clause (ii) above) for such violations, conflicts, breaches, defaults, terminations, cancellations,
        accelerations or creations which, either individually or in the aggregate, would not reasonably be likely to have a Material Adverse Effect on the Huntington Parties.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">4.4&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Consents and Approvals</u></font>.&#160; Except for (a) the filing of any required applications, filings and notices, as applicable, with the NASDAQ, (b) the filing of any
        required applications, filings and notices, as applicable, with the NYSE, (c) the filing of any required applications, filings and notices, as applicable, with the OCC in connection with the Merger, including under the Bank Merger Act, and approval
        of such applications, filings and notices, (d) the filing of any required applications, filings and notices, as applicable, with the Mississippi Department, (e) the filing of any required applications, filings or notices listed on Section 3.4 of
        the Cadence Disclosure Schedule or Section 4.4 of the Huntington Disclosure Schedule and approval or non-objection, as applicable, of such applications, filings and notices, (f) the filing with the SEC of the Joint Proxy Statement and the S-4 in
        which the Joint Proxy Statement will be included as a prospectus, and declaration of effectiveness of the S-4, (g) the filing with, and acceptance for record by, the Maryland Department of the Articles Supplementary for the New Huntington Preferred
        Stock, and (h) such filings and approvals as are required to be made or obtained under the securities or &#8220;Blue Sky&#8221; laws of various states in connection with the issuance of the shares of Huntington Common Stock and the New Huntington Preferred
        Stock (or depositary shares in respect thereof) pursuant to this Agreement and the approval of the listing of such Huntington Common Stock and New Huntington Preferred Stock (or depositary shares in respect thereof) on the NASDAQ, no consents or
        approvals of or filings or registrations with any Governmental Entity are necessary in connection with (x) the execution and delivery by the Huntington Parties of this Agreement or (y) the consummation by the Huntington Parties of the Merger and
        the other transactions contemplated hereby.&#160; As of the date hereof, Huntington is not aware of any reason why the necessary regulatory approvals and consents will not be received in order to permit consummation of the Merger on a timely basis.</div>
      <div>&#160;</div>
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        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-35-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
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      </div>
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      <div style="text-indent: 72pt;">4.5&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Reports</u></font>.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Huntington and each of its Subsidiaries have timely filed or furnished, as applicable, all reports, registrations and statements, together with any amendments required to be made with respect thereto, that
        they were required to file (or furnish, as applicable) since January 1, 2023 with any Regulatory Agencies, including any report, registration or statement required to be filed (or furnished, as applicable) pursuant to the laws, rules or regulations
        of the United States, any state, any foreign entity, or any Regulatory Agency, and have paid all fees and assessments due and payable in connection therewith, except where the failure to file such report, registration or statement or to pay such
        fees and assessments, either individually or in the aggregate, would not reasonably be likely to have a Material Adverse Effect on the Huntington Parties.&#160; Subject to Section 9.7 and except for normal examinations conducted by a Regulatory Agency
        in the ordinary course of business of Huntington and its Subsidiaries, no Regulatory Agency has initiated or has pending any proceeding or, to the knowledge of Huntington, investigation into the business or operations of Huntington or any of its
        Subsidiaries since January 1, 2023, except where such proceedings or investigations would not reasonably be likely to have, either individually or in the aggregate, a Material Adverse Effect on the Huntington Parties.&#160; Subject to Section 9.7, there
        (i) is no unresolved violation, criticism, or exception by any Regulatory Agency with respect to any report or statement relating to any examinations or inspections of Huntington or any of its Subsidiaries, and (ii) has been no formal or informal
        inquiries by, or disagreements or disputes with, any Regulatory Agency with respect to the business, operations, policies or procedures of Huntington or any of its Subsidiaries since January 1, 2023, in each case of clauses (i) and (ii), which
        would reasonably be likely to have, either individually or in the aggregate, a Material Adverse Effect on the Huntington Parties.</div>
      <div>&#160;</div>
      <div style="text-indent: 72pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; An accurate and complete copy of each final registration statement, prospectus, report, schedule and definitive proxy statement filed with or furnished to the SEC by Huntington or any of its Subsidiaries
        pursuant to the Securities Act of 1933, as amended (the &#8220;<u>Securities Act</u>&#8221;), or the Exchange Act, as the case may be, since January 1, 2023 (the &#8220;<u>Huntington Reports</u>&#8221;) is publicly available.&#160; No such Huntington Report, at the time filed,
        furnished or communicated (and, in the case of registration statements and proxy statements, on the dates of effectiveness and the dates of the relevant meetings, respectively), contained any untrue statement of a material fact or omitted to state
        any material fact required to be stated therein or necessary in order to make the statements therein, in light of the circumstances in which they were made, not misleading, except that information filed or furnished as of a later date (but before
        the date of this Agreement) shall be deemed to modify information as of an earlier date.&#160; As of their respective dates, all Huntington Reports filed or furnished under the Securities Act and the Exchange Act complied in all material respects with
        the published rules and regulations of the SEC with respect thereto.&#160; As of the date of this Agreement, no executive officer of Huntington or Huntington National Bank has failed in any respect to make the certifications required of him or her under
        Section 302 or 906 of the Sarbanes-Oxley Act.&#160; As of the date of this Agreement, there are no outstanding comments from, or material unresolved issues raised by the SEC with respect to any of the Huntington Reports.</div>
      <div><br>
      </div>
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        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-36-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
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      </div>
      <!--PROfilePageNumberReset%Num%37%-%-%-->
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 72pt;"><a name="z_Toc351893177"></a><a name="z_Toc352100400"></a><a name="z_Toc439886110"></a><a name="z_Toc439894990"></a><a name="z_Toc441503931"></a><a name="z_Toc57571996"></a><a name="z_Toc58345072"></a><a name="z_Toc58587095"></a><a name="z_Toc210425348"></a><a name="z_Toc212367694"></a><font style="font-family: 'Times New Roman';">4.6</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Financial Statements</u></font>.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">The financial statements of Huntington
            and its Subsidiaries included (or incorporated by reference) in the Huntington Reports (including the related notes, where applicable) (i) have been prepared from, and are in accordance with, the books and records of Huntington and its
            Subsidiaries in all material respects, (ii) fairly present in all material respects the consolidated results of operations, cash flows, changes in shareholders&#8217; equity and consolidated financial position of Huntington and its Subsidiaries for
            the respective fiscal periods or as of the respective dates therein set forth (subject in the case of unaudited statements to year-end audit adjustments normal in nature and amount), (iii) complied, as of their respective dates of filing with
            the SEC, in all material respects with applicable accounting requirements and with the published rules and regulations of the SEC with respect thereto, and (iv) have been prepared in accordance with GAAP consistently applied during the periods
            involved, except, in each case, as indicated in such statements or in the notes thereto.&#160; The books and records of Huntington and its Subsidiaries have been, since January 1, 2023, and are being, maintained in all material respects in
            accordance with GAAP and any other applicable legal and accounting requirements.&#160; PricewaterhouseCoopers LLP has not resigned (or informed Huntington that it intends to resign) or been dismissed as independent public accountants of Huntington
            as a result of or in connection with any disagreements with Huntington on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';">Except as would not reasonably be likely
            to have, either individually or in the aggregate, a Material Adverse Effect on the Huntington Parties, neither Huntington nor any of its Subsidiaries has any liability of any nature whatsoever (whether absolute, accrued, contingent or otherwise
            and whether due or to become due) required by GAAP to be included on a consolidated balance sheet of Huntington, except for those liabilities that are reflected or reserved against on the consolidated balance sheet of Huntington included in its
            Quarterly Report on Form 10-Q for the fiscal quarter ended June 30, 2025 (including any notes thereto) and for liabilities incurred in the ordinary course of business consistent with past practice since June 30, 2025, or in connection with this
            Agreement and the transactions contemplated hereby.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-37-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">The records, systems, controls, data and
            information of Huntington and its Subsidiaries are recorded, stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not) that are under the exclusive ownership and
            direct control of Huntington or its Subsidiaries or accountants (including all means of access thereto and therefrom), except for any non-exclusive ownership and non-direct control that would not reasonably be likely to have, either
            individually or in the aggregate, a Material Adverse Effect on Huntington.&#160; Huntington (i) has implemented and maintains disclosure controls and procedures (as defined in Rule 13a-15(e) of the Exchange Act) to ensure that material information
            relating to Huntington, including its Subsidiaries, is made known to the chief executive officer and the chief financial officer of Huntington by others within those entities <font style="font-family: 'Times New Roman';">as appropriate to
              allow timely decisions regarding required disclosures and to make the certifications required by the Exchange Act and Sections 302 and 906 of the Sarbanes-Oxley Act</font>, and (ii) has disclosed, based on its most recent evaluation prior to
            the date hereof, to Huntington&#8217;s outside auditors and the audit committee of Huntington&#8217;s Board of Directors (x) any significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting (as
            defined in Rule 13a-15(f) of the Exchange Act) which are reasonably likely to adversely affect Huntington&#8217;s ability to record, process, summarize and report financial information, and (y) to the knowledge of Huntington, any fraud, whether or
            not material, that involves management or other employees who have a significant role in Huntington&#8217;s internal controls over financial reporting.&#160; These disclosures were made in writing by management to Huntington&#8217;s auditors and audit committee
            and true, correct and complete copies of such disclosures have been made available to Cadence.&#160; To the knowledge of Huntington, there is no reason to believe that Huntington&#8217;s outside auditors and its chief executive officer and chief financial
            officer will not be able to give the certifications and attestations required pursuant to the rules and regulations adopted pursuant to Section 404 of the Sarbanes-Oxley Act, without qualification, when next due.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';">Since January 1, 2023, (i) neither
            Huntington nor any of its Subsidiaries, <font style="font-family: 'Times New Roman';">nor, to the knowledge of the Huntington Parties, any director, officer, auditor, accountant or representative of Huntington or any of its Subsidiaries,</font>
            has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim, whether written or, to the knowledge of Huntington, oral, regarding the accounting or auditing practices, procedures, methodologies
            or methods <font style="font-family: 'Times New Roman';">(including with respect to loan loss reserves, write-downs, charge-offs and accruals) </font>of Huntington or any of its Subsidiaries or their respective internal accounting controls,
            including any material complaint, allegation, assertion or written claim that Huntington or any of its Subsidiaries has engaged in questionable accounting or auditing practices, and (ii) no employee of or attorney representing Huntington or any
            of its Subsidiaries, whether or not employed by Huntington or any of its Subsidiaries, has reported evidence of a material violation of securities laws, breach of fiduciary duty or similar violation by Huntington or any of its Subsidiaries or
            any of their respective officers, directors, employees or agents to the Board of Directors of Huntington or any committee thereof or similar governing body of any Huntington Subsidiary or any committee thereof, or, to the knowledge of
            Huntington, to any director or officer of Huntington or any Huntington Subsidiary.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc351893178"></a><a name="z_Ref352099391"></a><a name="z_Toc352100401"></a><a name="z_Toc439886111"></a><a name="z_Toc439894991"></a><a name="z_Toc441503932"></a><a name="z_Toc57571997"></a><a name="z_Toc58345073"></a><a name="z_Toc58587096"></a><a name="z_Toc210425349"></a><a name="z_Toc212367695"></a><font style="font-family: 'Times New Roman';">4.7</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Broker&#8217;s Fees</u></font>.&#160; Neither Huntington nor any Huntington Subsidiary nor any of their respective officers or directors has employed any broker, finder or financial advisor or incurred any
        liability for any broker&#8217;s fees, commissions or finder&#8217;s fees in connection with the Merger or related transactions contemplated by this Agreement, other than Evercore Group L.L.C.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc441503933"></a><a name="z_Toc57571998"></a><a name="z_Toc58345074"></a><a name="z_Toc58587097"></a><a name="z_Toc210425350"></a><a name="z_Toc212367696"></a><a name="z_Toc351893179"></a><a name="z_Toc352100402"></a><a name="z_Ref400528724"></a><a name="z_Toc439886112"></a><a name="z_Toc439894992"></a><font style="font-family: 'Times New Roman';">4.8</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Absence of Certain Changes or Events</u></font>.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">Since December 31, 2024, there has not
            been any effect, change, event, circumstance, condition, occurrence or development that has had or would reasonably be likely to have, either individually or in the aggregate, a Material Adverse Effect on the Huntington Parties.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-38-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">Since December 31, 2024, through the
            date of this Agreement, except with respect to the transactions contemplated hereby, Huntington and its Subsidiaries have carried on their respective businesses in all material respects in the ordinary course.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc400468646"></a><a name="z_Toc400468769"></a><a name="z_Toc351893180"></a><a name="z_Toc352100403"></a><a name="z_Toc439886113"></a><a name="z_Toc439894993"></a><a name="z_Toc441503934"></a><a name="z_Toc57571999"></a><a name="z_Toc58345075"></a><a name="z_Toc58587098"></a><a name="z_Toc210425351"></a><a name="z_Toc212367697"></a><font style="font-family: 'Times New Roman';">4.9</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;




        <font style="font-family: 'Times New Roman';"><u>Legal Proceedings</u></font>.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">Neither Huntington nor any of its
            Subsidiaries is a party to any, and there are no pending or, to the knowledge of the Huntington Parties, threatened, legal, administrative, arbitral or other proceedings, claims, actions or governmental or regulatory investigations of any
            nature against Huntington or any of its Subsidiaries or any of their current or former directors or executive officers, or of a nature challenging the validity or propriety of this Agreement or the transactions contemplated hereby, in each
            case, that would reasonably be likely to have, either individually or in the aggregate, a Material Adverse Effect on the Huntington Parties.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">There is no material injunction, order,
            judgment, decree, or regulatory restriction imposed upon Huntington, any of its Subsidiaries or the assets of Huntington or any of its Subsidiaries (or that, upon consummation of the Merger, would apply to the Surviving Bank or any of its
            affiliates).</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 72pt;"><a name="z_Toc440317862"></a><a name="z_Toc441503935"></a><a name="z_Toc57572000"></a><a name="z_Toc58345076"></a><a name="z_Toc58587099"></a><a name="z_Toc210425352"></a><a name="z_Toc212367698"></a><font style="font-family: 'Times New Roman';">4.10</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Taxes and Tax Returns</u></font>.&#160; In each case except as would not
        reasonably be likely to have a Material Adverse Effect on the Huntington Parties:</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">Each of Huntington and its Subsidiaries
            has duly and timely filed (taking into account all applicable extensions) all Tax Returns in all jurisdictions in which Tax Returns are required to be filed by it, and all such Tax Returns are true, correct, and complete in.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';">All Taxes of Huntington and its
            Subsidiaries (whether or not shown on any Tax Returns) that are due have been fully and timely paid, except for Taxes that are being contested in good faith in appropriate proceedings and for which adequate reserves have been established in
            accordance with GAAP.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">Each of Huntington and its Subsidiaries
            has withheld and paid all Taxes required to have been withheld and paid in connection with amounts paid or owing to any employee, creditor, shareholder, independent contractor or other third party.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">The federal income Tax Returns of
            Huntington and its Subsidiaries for all years up to and including the tax year ended December 31, 2020 have been examined by the IRS or are Tax Returns with respect to which the applicable period for assessment under applicable law, after
            giving effect to extensions or waivers, has expired.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">No deficiency with respect to Taxes has
            been proposed, asserted or assessed against Huntington or any of its Subsidiaries.&#160; There are no pending or threatened (in writing) disputes, claims, audits, examinations or other proceedings regarding any Taxes of Huntington and its
            Subsidiaries or the assets of Huntington and its Subsidiaries.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="font-size: 10pt; margin-left: 72pt;"> <font style="font-family: 'Times New Roman';">4.11</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Compliance with Applicable Law</u></font>.</div>
      <div style="font-size: 10pt;"> <br>
      </div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-39-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc400468650"></a><a name="z_Toc400468773"></a><a name="z_Toc400468651"></a><a name="z_Toc400468774"></a><a name="z_Toc399762553"></a><a name="z_Toc399846805"></a><a name="z_Toc399848567"></a><a name="z_Toc439929370"></a><a name="z_Toc351893184"></a><a name="z_Toc352100407"></a><a name="z_Toc439886115"></a><a name="z_Toc439894995"></a><a name="z_Ref440283436"></a><a name="z_Ref440283521"></a><a name="z_Toc441503936"></a><a name="z_Toc57572001"></a><a name="z_Toc58345077"></a><a name="z_Toc58587100"></a><a name="z_Toc210425353"></a><a name="z_Toc212367699"></a></div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">Huntington and each of its Subsidiaries
            hold, and have at all times since January 1, 2023 held, all licenses, franchises, permits and authorizations necessary for the lawful conduct of their respective businesses and ownership of their respective properties, rights and assets under
            and pursuant to each (and have paid all fees and assessments due and payable in connection therewith), except where neither the cost of failure to hold nor the cost of obtaining and holding such license, franchise, permit or authorization (nor
            the failure to pay any fees or assessments) would, either individually or in the aggregate, reasonably be likely to have a Material Adverse Effect on the Huntington Parties, and to the knowledge of the Huntington Parties, no suspension or
            cancellation of any such necessary license, franchise, permit or authorization is threatened.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">Except as would not reasonably be likely
            to have, either individually or in the aggregate, a Material Adverse Effect on the Huntington Parties, Huntington and each of its Subsidiaries have complied with and are not in default or violation under any law, statute, order, rule,
            regulation, policy or guideline of any Governmental Entity applicable to Huntington or any of its Subsidiaries, including (to the extent applicable to Huntington or its Subsidiaries) all laws related to data protection or privacy (including
            laws relating to the privacy and security of Personal Data), the USA PATRIOT Act, the Bank Secrecy Act, the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the Community Reinvestment Act, the Fair Credit Reporting Act and
            Regulation V, the Truth in Lending Act and Regulation Z, the Home Mortgage Disclosure Act and Regulation C, the Fair Debt Collection Practices Act, the Electronic Fund Transfer Act and Regulation E, the Dodd-Frank Wall Street Reform and
            Consumer Protection Act, any regulations promulgated by the Consumer Financial Protection Bureau, the Interagency Policy Statement on Retail Sales of Nondeposit Investment Products, the SAFE Mortgage Licensing Act of 2008, the Real Estate
            Settlement Procedures Act and Regulation X, Title V of the Gramm-Leach-Bliley Act, any and all sanctions or regulations enforced by the Office of Foreign Assets Control of the United States Department of Treasury and any other law or regulation
            relating to bank secrecy, discriminatory lending, financing or leasing practices, Executive Order 14331, money laundering prevention, Sections 23A and 23B of the Federal Reserve Act and Regulation W, the Sarbanes-Oxley Act, and all agency
            requirements relating to the origination, sale and servicing of mortgage and consumer loans.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">Huntington National Bank has a Community
            Reinvestment Act rating of &#8220;outstanding&#8221; as of its most recently completed Community Reinvestment Act examination.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">Huntington maintains a written
            information privacy and security program that maintains reasonable measures to protect the privacy, confidentiality and security of all Personal Data against any (i) loss or misuse of Personal Data, (ii) unauthorized or unlawful operations
            performed upon Personal Data, or (iii) other act or omission that compromises the security or confidentiality of Personal Data.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-40-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">None of Huntington or any of its
            Subsidiaries, or to the knowledge of Huntington, any director, officer, employee, agent or other person acting on behalf of Huntington or any of its Subsidiaries has, directly or indirectly, (i) used any funds of Huntington or any of its
            Subsidiaries for unlawful contributions, unlawful gifts, unlawful entertainment or other expenses relating to political activity, (ii) made any unlawful payment to foreign or domestic governmental officials or employees or to foreign or
            domestic political parties or campaigns from funds of Huntington or any of its Subsidiaries, (iii) violated any provision that would result in the violation of the Foreign Corrupt Practices Act of 1977, as amended, or any similar law, (iv)
            established or maintained any unlawful fund of monies or other assets of Huntington or any of its Subsidiaries, (v) made any fraudulent entry on the books or records of Huntington or any of its Subsidiaries, or (vi) made any unlawful bribe,
            unlawful rebate, unlawful payoff, unlawful influence payment, unlawful kickback or other unlawful payment to any person, private or public, regardless of form, whether in money, property or services, to obtain favorable treatment in securing
            business, to obtain special concessions for Huntington or any of its Subsidiaries, to pay for favorable treatment for business secured or to pay for special concessions already obtained for Huntington or any of its Subsidiaries, or is currently
            subject to any United States sanctions administered by the Office of Foreign Assets Control of the United States Treasury Department, except in each case as would not reasonably be likely to have, either individually or in the aggregate, a
            Material Adverse Effect on the Huntington Parties.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(f)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">As of the date hereof, Huntington,
            Huntington National Bank and each other insured depository institution Subsidiary of Huntington maintain regulatory capital ratios that exceed the levels established for &#8220;well capitalized&#8221; institutions (under the relevant regulatory capital
            regulation of the institution&#8217;s primary bank regulator) and, as of the date hereof, neither Huntington nor any of its Subsidiaries has received any notice from a Governmental Entity that its status as &#8220;well-capitalized&#8221; or that Huntington
            National Bank&#8217;s Community Reinvestment Act rating will change within one (1) year from the date of this Agreement.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(g)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">Except as would not, either individually
            or in the aggregate, reasonably be likely to have a Material Adverse Effect on Huntington, (i) Huntington and each of its Subsidiaries have properly administered all accounts for which it acts as a fiduciary, including accounts for which it
            serves as a trustee, agent, custodian, personal representative, guardian, conservator or investment advisor, in accordance with the terms of the governing documents and applicable state, federal and foreign law; and (ii) none of Huntington, any
            of its Subsidiaries, or any of its or its Subsidiaries&#8217; directors, officers or employees, has committed any breach of trust or fiduciary duty with respect to any such fiduciary account, and the accountings for each such fiduciary account are
            true and correct and accurately reflect the assets and results of such fiduciary account.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(h)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">Except as would not reasonably be likely
            to have, individually or in the aggregate, a Material Adverse Effect on Huntington, Huntington and its Subsidiaries are in compliance, and, since January 1, 2023, have complied, with all Environmental Laws.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc352834682"></a><a name="z_Toc439886116"></a><a name="z_Toc439894996"></a><a name="z_Toc441503937"></a><a name="z_Toc57572002"></a><a name="z_Toc58345078"></a><a name="z_Toc58587101"></a><a name="z_Toc210425354"></a><a name="z_Toc212367700"></a><font style="font-family: 'Times New Roman';">4.12</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Certain Contracts</u></font>.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-size: 10pt;"><a name="z_Ref399845751"></a><font style="font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">Each contract, arrangement, commitment or
          understanding (whether written or oral) which is a &#8220;material contract&#8221; (as such term is defined in Item 601(b)(10) of Regulation S-K of the SEC) to which Huntington or any of its Subsidiaries is a party or by which Huntington or any of its
          Subsidiaries is bound as of the date hereof has been filed as an exhibit to the most recent Annual Report on Form 10-K filed by Huntington, or a Quarterly Report on Form 10-Q or Current Report on Form 8-K subsequent thereto (each, a &#8220;<font style="font-family: 'Times New Roman';"><u>Huntington Contract</u></font>&#8221;), and neither Huntington nor any of its Subsidiaries knows of, or has received written, or to the knowledge of the Huntington Parties, oral notice of, any violation of
          any Huntington Contract by any of the other parties thereto which would reasonably be likely to have, individually or in the aggregate, a Material Adverse Effect on Huntington.</font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-41-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">In each case, except as would not
            reasonably be likely to have, either individually or in the aggregate, a Material Adverse Effect on the Huntington Parties, (i) each Huntington Contract is valid and binding on Huntington or one of its Subsidiaries, as applicable, and in full
            force and effect, (ii) Huntington and each of its Subsidiaries have performed all obligations required to be performed by it prior to the date hereof under each Huntington Contract, (iii) to the knowledge of the Huntington Parties, each
            third-party counterparty to each Huntington Contract has performed all obligations required to be performed by it to date under such Huntington Contract, and (iv) no event or condition exists which constitutes or, after notice or lapse of time
            or both, will constitute, a default on the part of Huntington or any of its Subsidiaries or, to the knowledge of the Huntington Parties, any counterparty thereto, under any such Huntington Contract.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc399762570"></a><a name="z_Toc399846823"></a><a name="z_Toc399848585"></a><a name="z_Toc351893186"></a><a name="z_Toc352100409"></a><a name="z_Toc439886117"></a><a name="z_Toc439894997"></a><a name="z_Toc441503938"></a><a name="z_Toc57572003"></a><a name="z_Toc58345079"></a><a name="z_Toc58587102"></a><a name="z_Toc210425355"></a><a name="z_Toc212367701"></a><font style="font-family: 'Times New Roman';">4.13</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Agreements with Regulatory Agencies</u></font>.&#160; Subject to Section 9.7, neither Huntington nor any of its Subsidiaries is subject to any
        cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any
        order or directive by, or has been ordered to pay any civil money penalty by, or has been since January 1, 2023, a recipient of any supervisory letter from, or since January 1, 2023, has adopted any policies, procedures or board resolutions at the
        request of any Regulatory Agency or other Governmental Entity that currently restricts in any material respect or would reasonably be expected to restrict in any material respect the conduct of its business or that in any material manner relates to
        its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Huntington Disclosure Schedule, a &#8220;<font style="font-family: 'Times New Roman';"><u>Huntington




            Regulatory Agreement</u></font>&#8221;), nor has Huntington or any of its Subsidiaries been advised, in writing or, to the knowledge of Huntington, orally, since January 1, 2023, by any Regulatory Agency or other Governmental Entity tha<font style="font-size: 10pt;">t it is considering issuing, initiating, ordering or requesting any such Huntington Regulatory Agreement.</font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 72pt;"><a name="z_Toc439886118"></a><a name="z_Toc439894998"></a><a name="z_Toc441503939"></a><a name="z_Toc56628824"></a><a name="z_Toc57572004"></a><a name="z_Toc58345080"></a><a name="z_Toc58587103"></a><a name="z_Toc210425356"></a><a name="z_Toc212367702"></a><font style="font-family: 'Times New Roman';">4.14</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman';"><u>Information Technology</u></font><a name="z_Toc56634142"></a><a name="z_Toc56635750"></a><a name="z_Toc56637686"></a></font>.&#160; Except as would not reasonably be likely, either individually or in the
        aggregate, to have a Material Adverse Effect on Huntington, to the knowledge of Huntington, since January 1, 2023, no third party has gained unauthorized access to any information technology networks controlled by and material to the operation of
        the business of Huntington and its Subsidiaries.<a name="z_Toc56634143"></a><a name="z_Toc56635751"></a><a name="z_Toc56637687"></a></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc399762575"></a><a name="z_Toc399846828"></a><a name="z_Toc399848590"></a><a name="z_Toc399762577"></a><a name="z_Toc399846830"></a><a name="z_Toc399848592"></a><a name="z_Toc399762579"></a><a name="z_Toc399846832"></a><a name="z_Toc399848594"></a><a name="z_Toc399762583"></a><a name="z_Toc399846836"></a><a name="z_Toc399848598"></a><a name="z_Toc399762585"></a><a name="z_Toc399846838"></a><a name="z_Toc399848600"></a><a name="z_Ref347358985"></a><a name="z_Toc351893192"></a><a name="z_Toc352100415"></a><a name="z_Toc439886119"></a><a name="z_Toc439894999"></a><a name="z_Toc441503940"></a><a name="z_Toc57572005"></a><a name="z_Toc58345081"></a><a name="z_Toc58587104"></a><a name="z_Toc210425357"></a><a name="z_Toc212367703"></a><font style="font-family: 'Times New Roman';">4.15</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Related Party Transactions</u>.&#160; </font>There are no transactions or series of related transactions, agreements, arrangements or understandings, nor are there any currently proposed transactions or series of related transactions,
        between Huntington or any of its Subsidiaries, on the one hand, and any current or former director or &#8220;executive officer&#8221; (as defined in Rule 3b-7 under the Exchange Act) of Huntington or any of its Subsidiaries or any person who beneficially owns
        (as defined in Rules 13d-3 and 13d-5 of the Exchange Act) five percent (5%) or more of the outstanding Huntington Common Stock (or any of such person&#8217;s immediate family members or affiliates) (other than Subsidiaries of Huntington), on the other
        hand, of the type required to be reported in any Huntington Report pursuant to Item 404 of Regulation S-K promulgated under the Exchange Act that have not been so reported on a timely basis.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-42-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc57572006"></a><a name="z_Toc58345082"></a><a name="z_Toc58587105"></a><a name="z_Toc210425358"></a><a name="z_Toc212367704"></a><font style="font-family: 'Times New Roman';">4.16</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Takeover Restrictions</u></font>.&#160; The Board of Directors of Huntington has approved this Agreement and the transactions contemplated
        hereby as required to render inapplicable to this Agreement and the transactions contemplated hereby any applicable Takeover Restrictions.&#160; In accordance with Section 3-202 of the Maryland General Corporation Law, as amended, no appraisal or
        dissenters&#8217; rights will be available to the holders of Huntington Common Stock or Huntington Preferred Stock in connection with the Merger.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc400468657"></a><a name="z_Toc400468780"></a><a name="z_Toc351893194"></a><a name="z_Toc352100417"></a><a name="z_Toc439886120"></a><a name="z_Toc439895000"></a><a name="z_Toc441503942"></a><a name="z_Toc57572007"></a><a name="z_Toc58345083"></a><a name="z_Toc58587106"></a><a name="z_Toc210425359"></a><a name="z_Toc212367705"></a><font style="font-family: 'Times New Roman';">4.17</font>&#160;&#160;&#160;&#160;&#160;&#160;




        <font style="font-family: 'Times New Roman';"><u>Reorganization</u></font>.&#160; Huntington has not taken any action and is not aware of any fact or circumstance that could reasonably be expected to prevent the Merger from qualifying as a
        &#8220;reorganization&#8221; within the meaning of Section 368(a) of the Code.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc441503943"></a><a name="z_Toc57572008"></a><a name="z_Toc58345084"></a><a name="z_Toc58587107"></a><a name="z_Toc210425360"></a><a name="z_Toc212367706"></a><font style="font-family: 'Times New Roman';">4.18</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Investment Securities</u></font>.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">Except as would not reasonably be likely
            to have, individually or in the aggregate, a Material Adverse Effect on Huntington, each of Huntington and its Subsidiaries has good title to all securities and commodities owned by it (except those sold under repurchase agreements or held in
            any fiduciary or agency capacity), free and clear of any Lien, except (i) as set forth in the financial statements included in the Huntington Reports and (ii) to the extent such securities or commodities are pledged in the ordinary course of
            business to secure obligations of Huntington or its Subsidiaries.&#160; Such securities and commodities are valued on the books of Huntington in accordance with GAAP in all material respects.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160; &#160; &#160; <font style="font-family: 'Times New Roman';">Huntington and its Subsidiaries employ,
            to the extent applicable, investment, securities, risk management and other policies, practices and procedures that Huntington believes are prudent and reasonable in the context of their respective businesses, and Huntington and its
            Subsidiaries have, since January 1, 2023, been in compliance with such policies, practices and procedures in all material respects.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc441503944"></a><a name="z_Toc57572009"></a><a name="z_Toc58345085"></a><a name="z_Toc58587108"></a><a name="z_Toc210425361"></a><a name="z_Toc212367707"></a><font style="font-family: 'Times New Roman';">4.19</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Opinion</u></font>.&#160; Prior to the execution of this Agreement, Huntington has received an opinion (which,
        if initially rendered orally, has been or will be confirmed by a written opinion, dated the same date) of Evercore Group L.L.C. to the effect that as of the date thereof and based upon and subject to the factors, assumptions, and limitations set
        forth therein, the Exchange Ratio pursuant to this Agreement is fair from a financial point of view to Huntington.&#160; Such opinion has not been amended or rescinded as of the date of this Agreement.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 72pt;"><a name="z_Toc440463372"></a><a name="z_Toc439886121"></a><a name="z_Toc439895001"></a><a name="z_Toc441503945"></a><a name="z_Toc57572010"></a><a name="z_Toc58345086"></a><a name="z_Toc58587109"></a><a name="z_Toc210425362"></a><a name="z_Toc212367708"></a><font style="font-family: 'Times New Roman';">4.20</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Risk Management
            Instruments</u></font>.&#160; Except as would not reasonably be likely to have, either individually or in the aggregate, a Material Adverse Effect on the Huntington Parties, all interest rate swaps, caps, floors, option agreements, futures and
        forward contracts and other similar derivative transactions and risk management arrangements, whether entered into for the account of Huntington or any of its Subsidiaries or for the account of a customer of Huntington or one of its Subsidiaries,
        were entered into in the ordinary course of business and in accordance with applicable rules, regulations and policies of any Regulatory Agency and with counterparties reasonably believed to be financially responsible at the time and are legal,
        valid and binding obligations of Huntington or one of its Subsidiaries enforceable in accordance with their terms (except as may be limited by the Enforceability Exceptions).&#160; Huntington and each of its Subsidiaries have duly performed in all
        material respects all its material obligations thereunder to the extent that such obligations to perform have accrued, and, to the knowledge of the Huntington Parties, there are no material breaches, violations or defaults or <font style="font-family: 'Times New Roman'; font-style: italic;">bona fide</font> allegations or assertions of such by any party thereunder.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-43-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc400468660"></a><a name="z_Toc400468783"></a><a name="z_Toc351893196"></a><a name="z_Toc352100419"></a><a name="z_Toc439886122"></a><a name="z_Toc439895002"></a><a name="z_Toc441503946"></a><a name="z_Toc57572011"></a><a name="z_Toc58345087"></a><a name="z_Toc58587110"></a><a name="z_Toc210425363"></a><a name="z_Toc212367709"></a><font style="font-family: 'Times New Roman';">4.21</font>&#160;&#160;&#160;&#160;&#160;&#160;




        <font style="font-family: 'Times New Roman';"><u>Huntington Information</u></font>.&#160; The information relating to Huntington and its Subsidiaries that is provided by Huntington or its representatives specifically for inclusion in (a) the Joint Proxy
        Statement, (b) the S-4, (c) the documents and financial statements of Huntington incorporated by reference in the Joint Proxy Statement, the S-4 or any amendment or supplement thereto or (d) any other document filed with any other Regulatory Agency
        or Governmental Entity in connection herewith, will not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements therein, in light of the circumstances in which they are made, not
        misleading.&#160; The portions of the Joint Proxy Statement relating to Huntington and its Subsidiaries and other portions within the reasonable control of Huntington and its Subsidiaries will comply in all material respects with the provisions of the
        Exchange Act and the rules and regulations thereunder.&#160; Notwithstanding the foregoing, no representation or warranty is made by Huntington with respect to statements made or incorporated by reference therein based on information provided or
        supplied by or on behalf of Cadence or its Subsidiaries for inclusion in the Joint Proxy Statement or the S-4.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc209307766"></a><a name="z_Toc209308058"></a><a name="z_Toc209308185"></a><a name="z_Toc209307767"></a><a name="z_Toc209308059"></a><a name="z_Toc209308186"></a><a name="z_Toc209307768"></a><a name="z_Toc209308060"></a><a name="z_Toc209308187"></a><a name="z_Toc209307769"></a><a name="z_Toc209308061"></a><a name="z_Toc209308188"></a><a name="z_Toc209307770"></a><a name="z_Toc209308062"></a><a name="z_Toc209308189"></a><a name="z_Toc209307771"></a><a name="z_Toc209308063"></a><a name="z_Toc209308190"></a><a name="z_Toc209307772"></a><a name="z_Toc209308064"></a><a name="z_Toc209308191"></a><a name="z_Toc58345089"></a><a name="z_Toc58587112"></a><a name="z_Toc210425364"></a><a name="z_Toc212367710"></a><font style="font-family: 'Times New Roman';">4.22</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Employee Benefit
            Plans</u></font>.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">For purposes of this Agreement, &#8220;<font style="font-family: 'Times New Roman';"><u>Huntington Benefit Plans</u></font>&#8221; means all Benefit Plans to or with respect to which Huntington or any Subsidiary or any trade or business of Huntington or any of its Subsidiaries, whether or not
            incorporated, all of which together with Huntington would be deemed a &#8220;single employer&#8221; within the meaning of Section 4001 of ERISA (a &#8220;<font style="font-family: 'Times New Roman';"><u>Huntington ERISA Affiliate</u></font>&#8221;), is a party or has
            any current or future obligation or that are maintained, contributed to or sponsored by Huntington or any of its Subsidiaries or any Huntington ERISA Affiliate, or to which Huntington or any of its Subsidiaries is required or obligated to
            maintain, contribute to or sponsor, for the benefit of any current or former employee, officer, director or independent contractor of Huntington or any of its Subsidiaries or any Huntington ERISA Affiliate.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';">Each Huntington Benefit Plan has been
            established, operated, maintained and administered in all material respects in accordance with its terms and the requirements of all applicable laws, including ERISA and the Code, except for such noncompliance as would not result in any
            material liability to Huntington or its Subsidiaries.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-44-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">Except as would not, either individually
            or in the aggregate, reasonably be expected to result in any material liability to Huntington or its Subsidiaries, with respect to each Huntington Benefit Plan that is subject to Title IV or Section 302 of ERISA or Section 412, 430 or 4971 of
            the Code: (i) no such plan is in &#8220;at-risk&#8221; status for purposes of Section 430 of the Code, (ii) no reportable event within the meaning of Section 4043(c) of ERISA for which the 30-day notice requirement has not been waived has occurred, (iii)
            all premiums required to be paid to the PBGC have been timely paid in full, (iv) no material liability (other than for premiums to the PBGC) under Title IV of ERISA has been or is reasonably expected to be incurred by Huntington or any of its
            Subsidiaries that has not been satisfied in full and no such liability is reasonably expected to be incurred, (v) the PBGC has not instituted proceedings to terminate any such Huntington Benefit Plan and, to the Huntington&#8217;s Knowledge, no
            condition exists that presents a risk that such proceedings will be instituted or which would constitute grounds under Section 4042 of ERISA for the termination of, or the appointment of a trustee to administer, any such Huntington Benefit
            Plan, and (vi) there does not exist any accumulated funding deficiency within the meaning of Section 412 of the Code or Section 302 of ERISA, and no waiver of any minimum funding standard or extension of any amortization period has been
            requested or granted that has not been waived.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">None of Huntington and its Subsidiaries
            nor any Huntington ERISA Affiliate has, at any time during the last six years, contributed to or been obligated to contribute to any plan that is a Multiemployer Plan or a Multiple Employer Plan.<a name="z_Toc210425365"></a></font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-size: 10pt;"><a name="z_Toc212367711"></a><font style="font-family: 'Times New Roman';">4.23</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman';"><u>Loan Portfolio</u></font>.</font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">Except as would not reasonably be likely
            to have, either individually or in the aggregate, a Material Adverse Effect on Huntington, each outstanding Loan of Huntington or its Subsidiaries (i) is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine
            and what they purport to be, (ii) to the extent carried on the books and records of Huntington and its Subsidiaries as secured Loans, has been secured by valid Liens, which have been perfected and (iii) is the legal, valid and binding
            obligation of the obligor named therein, enforceable in accordance with its terms, subject to the Enforceability Exceptions.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';">Except as would not reasonably be likely
            to have, either individually or in the aggregate, a Material Adverse Effect on Huntington, each outstanding Loan of Huntington or its Subsidiaries (including Loans held for resale to investors) was solicited and originated, and is and has been
            administered and, where applicable, serviced, and the relevant Loan files are being maintained, in all material respects, in accordance with the relevant notes or other credit or security documents, the applicable written underwriting standards
            of Huntington and its Subsidiaries (and, in the case of Loans held for resale to investors, the applicable underwriting standards, if any, of the applicable investors) and with all applicable federal, state and local laws, regulations and
            rules.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">None of the agreements pursuant to which
            Huntington or any of its Subsidiaries has sold Loans or pools of Loans or participations in Loans or pools of Loans contains any obligation to repurchase such Loans or interests therein solely on account of a payment default (other than early
            payment defaults) by the obligor on any such Loan.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">There are no outstanding &#8220;extensions of
            credit&#8221; made by Huntington or any of its Subsidiaries to any &#8220;executive officer&#8221; or other &#8220;insider&#8221; (as each such term is defined in 12 C.F.R. Part 215) of Huntington or its Subsidiaries, other than extensions of credit that are subject to and
            that were made and continue to be in compliance with 12 C.F.R. Part 215 in all material respects or that are exempt therefrom.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-45-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">Neither Huntington nor any of its
            Subsidiaries is now, nor has it ever been since January 1, 2023, subject to any material fine, suspension, settlement or other administrative agreement or sanction by, or any reduction in any loan purchase commitment, any Governmental Entity or
            Regulatory Agency relating to the origination, sale or servicing of mortgage or consumer Loans.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc56634152"></a><a name="z_Toc56635760"></a><a name="z_Toc56637696"></a><a name="z_Toc56697647"></a><a name="z_Toc56634153"></a><a name="z_Toc56635761"></a><a name="z_Toc56637697"></a><a name="z_Toc56697648"></a><a name="z_Toc399762592"></a><a name="z_Toc399846845"></a><a name="z_Toc399848607"></a><a name="z_Toc399762600"></a><a name="z_Toc399846853"></a><a name="z_Toc399848615"></a><a name="z_Toc351893199"></a><a name="z_Toc352100422"></a><a name="z_Toc439886124"></a><a name="z_Toc439895004"></a><a name="z_Toc441503949"></a><a name="z_Toc57572013"></a><a name="z_Toc58345090"></a><a name="z_Toc58587113"></a><a name="z_Toc210425369"></a><a name="z_Toc212367712"></a><font style="font-family: 'Times New Roman';">4.24</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>No Other Representations or Warranties</u></font>.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">Except for the representations and
            warranties made by the Huntington Parties in this Article IV, neither Huntington nor any other person makes any express or implied representation or warranty with respect to Huntington, its Subsidiaries, or their respective businesses,
            operations, assets, liabilities, conditions (financial or otherwise) or prospects, and Huntington hereby disclaims any such other representations or warranties.&#160; In particular, without limiting the foregoing disclaimer, neither Huntington nor
            any other person makes or has made any representation or warranty to Cadence or any of its affiliates or representatives with respect to (i) any financial projection, forecast, estimate, budget or prospective information relating to Huntington,
            any of its Subsidiaries or their respective businesses, or (ii) except for the representations and warranties made by the Huntington Parties in this Article IV, any oral or written information presented to Cadence or any of its affiliates or
            representatives in the course of their due diligence investigation of the Huntington Parties, the negotiation of this Agreement or in the course of the transactions contemplated hereby.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">The Huntington Parties acknowledge and
            agree that neither Cadence nor any other person has made or is making any express or implied representation or warranty other than those contained in Article III.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc56628835"></a><a name="z_Toc56634155"></a><a name="z_Toc56635763"></a><a name="z_Toc56637699"></a><a name="z_Toc56696096"></a><a name="z_Toc56697650"></a><a name="z_Toc56849304"></a><a name="z_Toc56974548"></a><a name="z_Toc57059090"></a><a name="z_Toc57139926"></a><a name="z_Toc57393310"></a><a name="z_Toc57453525"></a><a name="z_Toc57572014"></a><a name="z_Toc57758242"></a><a name="z_Toc57761942"></a><a name="z_Toc57798535"></a><a name="z_Toc57804342"></a><a name="z_Toc57805443"></a><a name="z_Toc57883222"></a><a name="z_Toc57900237"></a><a name="z_Toc58008438"></a><a name="z_Toc58225133"></a><a name="z_Toc58225251"></a><a name="z_Toc58345091"></a><a name="z_Toc58417512"></a><a name="z_Toc58433996"></a><a name="z_Toc58445702"></a><a name="z_Toc58663411"></a><a name="z_Toc58664296"></a><a name="z_Toc58667466"></a><a name="z_Toc58678030"></a><a name="z_Toc58678148"></a><a name="z_Toc58586996"></a><a name="z_Toc58587114"></a><a name="z_Toc58693864"></a><a name="z_Toc58694054"></a><a name="z_Toc58694792"></a><a name="z_Toc58694910"></a><a name="z_Toc58695028"></a><a name="z_Toc58696983"></a><a name="z_Toc58704997"></a><a name="z_Toc58705115"></a><a name="z_Toc58748280"></a><a name="z_Toc209307775"></a><a name="z_Toc209308067"></a><a name="z_Toc209308194"></a><a name="z_Toc209611921"></a><a name="z_Toc209772353"></a><a name="z_Toc210194418"></a><a name="z_Toc210332428"></a><a name="z_Toc210332550"></a><a name="z_Toc210424934"></a><a name="z_Toc210425370"></a><a name="z_Toc212367713"></a>ARTICLE V</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;">COVENANTS RELATING TO CONDUCT OF BUSINESS</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc351893201"></a><a name="z_Toc352100424"></a><a name="z_Toc439886126"></a><a name="z_Toc439895006"></a><a name="z_Ref56607383"></a><a name="z_Ref57768508"></a><a name="z_Toc57572015"></a><a name="z_Toc58345092"></a><a name="z_Toc58587115"></a><a name="z_Toc210425371"></a><a name="z_Toc212367714"></a><font style="font-family: 'Times New Roman';">5.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Conduct of Business Prior to the Effective Time</u></font>.&#160; During the period from the date of this Agreement to the Effective Time or earlier termination of this Agreement, except as expressly
        contemplated or permitted by this Agreement (including as set forth in the Cadence Disclosure Schedule), required by law or as consented to in writing by the other party (such consent not to be unreasonably withheld, conditioned or delayed),
        Cadence shall, and shall cause its Subsidiaries to, (i) conduct its business in the ordinary course in all material respects and (ii) use reasonable best efforts to maintain and preserve intact its business organization and advantageous business
        relationships.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Ref347359072"></a><a name="z_Toc351893202"></a><a name="z_Toc352100425"></a><a name="z_Toc439886127"></a><a name="z_Toc439895007"></a><a name="z_Toc57572016"></a><a name="z_Toc58345093"></a><a name="z_Toc58587116"></a><a name="z_Toc210425372"></a><a name="z_Toc212367715"></a><font style="font-family: 'Times New Roman';">5.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Cadence Forbearances</u></font>.&#160; During the period from the date of this Agreement to the Effective Time or earlier termination of this Agreement, except as set forth in the Cadence Disclosure Schedule, as expressly contemplated or
        permitted by this Agreement or as required by law, Cadence shall not, and shall not permit any of its Subsidiaries to, without the prior written consent of Huntington (such consent not to be unreasonably withheld, conditioned or delayed):</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-46-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: left; text-indent: 72pt; font-size: 10pt;"><a name="z_Toc525543220"></a><a name="z_Ref525609099"></a><font style="font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">other than in
          the ordinary course of business consistent with past practice, incur any indebtedness for borrowed money (other than indebtedness of Cadence or any of its wholly-owned Subsidiaries to Cadence or any of its wholly-owned Subsidiaries), or assume,
          guarantee, endorse or otherwise as an accommodation become responsible for the obligations of any other person (other than any wholly owned Subsidiary of Cadence), it being understood and agreed that incurrence of indebtedness in the ordinary
          course of business consistent with past practice shall include federal funds borrowings and Federal Home Loan Bank borrowings, the creation of deposit liabilities, issuances of letters of credit, purchases of federal funds, sales of certificates
          of deposit and entry into repurchase agreements, in each case on terms and in amounts consistent with past practice;</font></div>
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      <div style="text-align: left; text-indent: 72pt; font-size: 10pt;"><a name="z_Ref347358407"></a><font style="font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman';">(i)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;adjust, split, combine or reclassify any capital stock;</font></div>
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      <div style="text-align: left; text-indent: 72pt; margin-left: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(ii)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';">make, declare, pay
            or set a record date for any dividend, or any other distribution on, or directly or indirectly redeem, purchase or otherwise acquire, any shares of its capital stock or other equity or voting securities or any securities or obligations
            convertible (whether currently convertible or convertible only after the passage of time or the occurrence of certain events) into or exchangeable for any shares of its capital stock or other equity or voting securities (except (A) regular
            quarterly cash dividends by Cadence at a rate not in excess of $0.275 per share of Cadence Common Stock, (B) dividends payable on the Cadence Preferred Stock in accordance with the terms thereof, (C) dividends paid by any of the Subsidiaries of
            Cadence to Cadence or any of its wholly owned Subsidiaries, or (D) the acceptance of shares of Cadence Common Stock as payment for withholding taxes incurred in connection with the vesting or settlement of Cadence Equity Awards and dividend
            equivalents thereon, if any, in each case, in accordance with past practice and the terms of the applicable award agreements);</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; margin-left: 36pt; font-size: 10pt;"><a name="z_Ref347359047"></a><font style="font-family: 'Times New Roman';">(iii)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';">grant any stock
          options, stock appreciation rights, performance shares, restricted stock units, restricted shares or other equity-based awards or interests, including Cadence Equity Awards, or grant any individual, corporation or other entity any right to
          acquire any shares of its capital stock or other equity or voting securities; or</font></div>
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      <div style="text-align: left; text-indent: 72pt; margin-left: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(iv)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160; &#160; &#160; <font style="font-family: 'Times New Roman';">issue, sell or
            otherwise permit to become outstanding any additional shares of capital stock or other equity or voting securities or securities convertible or exchangeable into, or exercisable for or valued by reference to, any shares of its capital stock or
            any options, warrants, or other rights of any kind to acquire any shares of capital stock or other equity or voting securities, except for the issuance of shares upon the vesting or settlement of Cadence Equity Awards (and dividend equivalents
            thereon, if any) outstanding as of the date hereof or granted on or after the date hereof to the extent permitted under this Agreement;</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">(i) sell, transfer, mortgage, encumber
            or otherwise dispose of any of its material properties or assets to any individual, corporation or other entity other than a wholly-owned Subsidiary, (ii) abandon or allow to lapse any material properties or assets (including any issued or
            registered Intellectual Property) other than lapse or expiry of Intellectual Property at the end of applicable statutory terms, or (iii) or cancel, release or assign any material indebtedness to any such person or any claims held by any person,
            in each case of clauses (i) through (iii), other than in the ordinary course of business;</font></font></div>
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      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-47-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
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            course of business (including by way of foreclosure or acquisitions of control in a fiduciary or similar capacity or in satisfaction of debts previously contracted in good faith) or transactions that would not be material to Cadence and its
            Subsidiaries on a consolidated basis, make any investment in or acquisition of, whether by purchase of stock or securities, contributions to capital, property transfers, merger or consolidation or formation of a joint venture or otherwise, any
            other corporation or entity or any acquisition of property or assets of any other individual, corporation or other entity, in each case other than a wholly owned Subsidiary of Cadence;</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">in each case except for transactions in
            the ordinary course of business, (i) terminate, materially amend, or waive any material provision of, any Cadence Contract, or make any material change in any instrument or agreement governing the terms of any of its securities, other than
            normal renewals in the ordinary course of business without material adverse changes to terms with respect to Cadence or its Subsidiaries or (ii) enter into any contract that would constitute a Cadence Contract if it were in effect on the date
            of this Agreement (it being understood and agreed that entering into a Cadence Contract that would be such pursuant to Section 3.13(a)(ii) or (v)(y) is not ordinary course of business);</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-size: 10pt;"><a name="z_Ref58104900"></a><font style="font-family: 'Times New Roman';">(f)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">except as required by the terms of any
          Cadence Benefit Plan existing as of the date hereof, (i) enter into, adopt or terminate any Cadence Benefit Plan (including any plans, programs, policies, agreements or arrangements that would be considered a Cadence Benefit Plan if in effect as
          of the date hereof), (ii) amend any Cadence Benefit Plan (including any plans, programs, policies, agreements or arrangements adopted or entered into that would be considered a Cadence Benefit Plan if in effect as of the date hereof), other than
          <font style="font-family: 'Times New Roman'; font-style: italic;">de minimis</font> administrative amendments in the ordinary course of business consistent with past practice that do not materially increase the cost or expense of maintaining, or
          increase the benefits payable under, such plan, program, policy or arrangements, (iii) increase the compensation, bonus, severance, termination pay or other benefits payable to any current, prospective or former employee, officer, director,
          independent contractor or consultant, (iv) pay, grant or award, or commit to pay, grant or award, any bonuses or incentive compensation, except for the payment of annual bonuses for completed periods based on actual performance in the ordinary
          course of business consistent with past practice (including, without limitation, as to timing), (v) accelerate the vesting of, or otherwise deviate from the terms provided in the applicable award agreement with respect to the vesting, payment,
          settlement or exercisability of, any Cadence Equity Awards or other compensation, (vi) enter into any collective bargaining agreement or similar agreement or arrangement, (vii)&#160; fund or provide any funding for any rabbi trust or similar
          arrangement, (viii) terminate the employment or services of any employee, independent contractor (who is a natural person) or consultant (who is a natural person) whose annual base salary or base fee is greater than $200,000, in each case other
          than for cause, or (ix) hire any employee, independent contractor (who is a natural person) or consultant (who is a natural person) whose annual base salary or base fee is greater than $200,000;</font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-size: 10pt;"><a name="z_Ref439888881"></a><font style="font-family: 'Times New Roman';">(g)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">except for debt workouts in the ordinary
          course of business, settle any claim, suit, action or proceeding, except (i) involving solely monetary remedies in an amount and for consideration not in excess of $1,000,000 individually or $4,000,000 in the aggregate (net of any insurance
          proceeds or indemnity, contribution or similar payments received by Cadence or any of its Subsidiaries in respect thereof) or (ii) that would not impose any material restriction on the business of Cadence or its Subsidiaries or the Surviving Bank
          or its affiliates;</font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-48-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(h)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">take any action or knowingly fail to
            take any action where such action or failure to act could reasonably be expected to prevent the Merger from qualifying as a &#8220;reorganization&#8221; within the meaning of Section 368(a) of the Code;</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(i)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; <font style="font-family: 'Times New Roman';">amend the Cadence Articles, the
            Cadence Bylaws, or comparable governing documents of its &#8220;Significant Subsidiaries&#8221; (as such term is defined in Rule 1-02 of Regulation S-X promulgated under the Exchange Act);</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(j)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-family: 'Times New Roman';">merge or consolidate itself or any of
            its Significant Subsidiaries with any other person, or restructure, reorganize or completely or partially liquidate or dissolve it or any of its Significant Subsidiaries;</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(k)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">materially restructure or materially
            change its investment securities or derivatives portfolio or its interest rate exposure, through purchases, sales or otherwise, or the manner in which the portfolio is classified or reported, except as may be required by GAAP or by applicable
            laws, regulations, guidelines or policies imposed by any Governmental Entity or requested by a Governmental Entity;</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(l)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-family: 'Times New Roman';">implement or adopt any change in its
            accounting principles, practices or methods, other than as may be required by GAAP or by applicable laws, regulations, guidelines or policies imposed by any Governmental Entity;</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-size: 10pt;"><a name="z_Ref439887300"></a><font style="font-family: 'Times New Roman';">(m)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';">(i) enter into any material new line of
          business or change in any material respect its lending, investment, underwriting, risk and asset liability management and other banking and operating, hedging policies, securitization and servicing policies (including any material change in the
          maximum ratio or similar limits as a percentage of its capital exposure applicable with respect to its loan portfolio or any segment thereof), except as required by such policies or applicable law, regulation or policies imposed by any
          Governmental Entity or (ii) make any loans or extensions of credit or renewals thereof, except in the ordinary course of business consistent with past practice and not in excess of $35,000,000 (or, in the case of any loan or extension of credit
          or renewal thereof that is &#8220;Adversely Rated&#8221; (as determined in the ordinary course of business consistent with past practice under Cadence&#8217;s and its Subsidiaries&#8217; lending policies in effect as of the date hereof), not in excess of $20,000,000); <font style="font-family: 'Times New Roman';"><u>provided</u></font>, that any consent from the Huntington Parties sought pursuant to this clause (ii) shall not be unreasonably withheld; <font style="font-family: 'Times New Roman';"><u>provided</u></font>,
          <font style="font-family: 'Times New Roman';"><u>further</u></font>, that, if the Huntington Parties do not respond to any such request for consent within two (2) business days after the relevant loan package is provided to the Huntington
          Parties, such non-response shall be deemed to constitute consent pursuant to this clause (ii);</font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-size: 10pt;"><a name="z_Ref439887415"></a><font style="font-family: 'Times New Roman';">(n)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">make, or commit to make, any capital
          expenditures that exceed by more than five percent (5%) Cadence&#8217;s capital expenditure budget set forth in Section 5.2(n) of the Cadence Disclosure Schedule measured on a quarterly basis;</font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(o)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">change or revoke any Tax election,
            change an annual Tax accounting period, adopt or change any Tax accounting method, file any amended Tax Return, enter into any closing agreement with respect to Taxes, or settle any Tax claim, audit, assessment or dispute or surrender any right
            to claim a refund of Taxes, in each case, that is material to Cadence and its Subsidiaries, taken as a whole;</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-49-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(p)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">(i) make any application for the opening
            or relocation of, or open or relocate, any branch office, loan production office or other significant office or operations facility of Cadence or its Subsidiaries, (ii) other than in consultation with the Huntington Parties, make any
            application for the closing of or close any branch or (iii) other than in consultation with the Huntington Parties, purchase any new real property (other than other real estate owned (OREO) properties in the ordinary course) in an amount in
            excess of $1,000,000 <font style="font-family: 'Times New Roman';">for any individual property </font>or enter into, amend or renew any material lease with respect to real property requiring aggregate payments under any individual lease in
            excess of $350,000;</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(q)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">knowingly take any action that is
            intended to or would reasonably be likely to adversely affect or materially delay the ability of Cadence or its Subsidiaries to obtain any necessary approvals of any Governmental Entity required for the transactions contemplated hereby or the
            Requisite Cadence Vote or to perform its covenants and agreements under this Agreement or to consummate the transactions contemplated hereby or thereby; or</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(r)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">agree to take, make any commitment to
            take, or adopt any resolutions of its Board of Directors or similar governing body in support of, any of the actions prohibited by this Section 5.2.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Ref399693885"></a><a name="z_Toc439886128"></a><a name="z_Toc439895008"></a><a name="z_Toc57572017"></a><a name="z_Toc58345094"></a><a name="z_Toc58587117"></a><a name="z_Toc210425373"></a><a name="z_Toc212367716"></a><font style="font-family: 'Times New Roman';">5.3</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><u>Huntington Forbearances</u></font>.&#160; During the
        period from the date of this Agreement to the Effective Time or earlier termination of this Agreement, except as set forth in the Huntington Disclosure Schedule, as expressly contemplated or permitted by this Agreement or as required by law,
        Huntington shall not, and shall not permit any of its Subsidiaries to, without the prior written consent of Cadence (such consent not to be unreasonably withheld, conditioned or delayed):</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">amend the Huntington Articles or the
            Huntington Bylaws in a manner that would materially and adversely affect the holders of Cadence Common Stock or Cadence Preferred Stock relative to other holders of Huntington Common Stock or Huntington Preferred Stock (as applicable);</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-size: 10pt;"><a name="z_Ref58442734"></a><font style="font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">adjust, split, combine or reclassify any
          capital stock of Huntington or make, declare or pay any extraordinary dividend on any capital stock of Huntington;</font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">incur any indebtedness for borrowed
            money (other than indebtedness of Huntington or any of its wholly owned Subsidiaries to Huntington or any of its Subsidiaries) that would reasonably be expected to prevent Huntington or its Subsidiaries from assuming Cadence&#8217;s or its
            Subsidiaries&#8217; outstanding indebtedness;</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">sell, transfer, mortgage, encumber or
            otherwise dispose of any of its material properties or assets to any individual, corporation or other entity other than a wholly-owned Subsidiary, or cancel, release or assign any material indebtedness to any such person or any claims held by
            any person, in each case other than in the ordinary course of business or in a transaction that, together with such other transactions, is not reasonably likely to prevent or materially delay the receipt of the Requisite Regulatory Approvals or
            the Closing;</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-50-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">make any material investment in or
            acquisition of (whether by purchase of stock or securities, contributions to capital, property transfers, merger or consolidation or formation of a joint venture or otherwise), any other corporation or entity or the property or assets of any
            other individual, corporation or other entity, other than a wholly owned Subsidiary of Huntington, except for transactions in the ordinary course of business or in a transaction that, together with such other transactions, is not reasonably
            likely to prevent or materially delay the receipt of the Requisite Regulatory Approvals or the Closing;</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(f)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">merge or consolidate itself or
            Huntington National Bank or any of their respective Significant Subsidiaries with any other person (i) where it or Huntington National Bank, is not the surviving person or (ii) if the merger or consolidation is reasonably likely to prevent,
            materially delay or materially impair the receipt of the Requisite Regulatory Approvals or the Closing;</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(g)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">take any action or knowingly fail to
            take any action where such action or failure to act could reasonably be expected to prevent the Merger from qualifying as a &#8220;reorganization&#8221; within the meaning of Section 368(a) of the Code;</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(h)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">knowingly take any action that is
            intended to or would reasonably be likely to adversely affect or materially delay the ability of Huntington or its Subsidiaries to obtain any necessary approvals of any Governmental Entity required for the transactions contemplated hereby or
            the Requisite Huntington Vote or to perform its covenants and agreements under this Agreement or to consummate the transactions contemplated hereby or thereby; or</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(i)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160; &#160; &#160;&#160;&#160; <font style="font-family: 'Times New Roman';">agree to take, make any commitment to
            take, or adopt any resolutions of its Board of Directors or similar governing body in support of, any of the actions prohibited by this Section 5.3.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc351893203"></a><a name="z_Toc352100426"></a><a name="z_Toc352100668"></a><a name="z_Toc352100786"></a><a name="z_Toc352163083"></a><a name="z_Toc352171172"></a><a name="z_Toc352618042"></a><a name="z_Toc352715306"></a><a name="z_Toc352715426"></a><a name="z_Toc352715789"></a><a name="z_Toc352719837"></a><a name="z_Toc352757145"></a><a name="z_Toc352834700"></a><a name="z_Toc399762607"></a><a name="z_Toc399846860"></a><a name="z_Toc399848622"></a><a name="z_Toc400453194"></a><a name="z_Toc400468668"></a><a name="z_Toc400468791"></a><a name="z_Toc400484722"></a><a name="z_Toc400487794"></a><a name="z_Toc400517699"></a><a name="z_Toc400620558"></a><a name="z_Toc400978601"></a><a name="z_Toc400978711"></a><a name="z_Toc401237910"></a><a name="z_Toc401238021"></a><a name="z_Toc401240747"></a><a name="z_Toc435480546"></a><a name="z_Toc435482665"></a><a name="z_Toc435552898"></a><a name="z_Toc435553012"></a><a name="z_Toc435554256"></a><a name="z_Toc437525459"></a><a name="z_Toc439886129"></a><a name="z_Toc439895009"></a><a name="z_Toc439929386"></a><a name="z_Toc439944059"></a><a name="z_Toc439944444"></a><a name="z_Toc439952009"></a><a name="z_Toc439953781"></a><a name="z_Toc439953895"></a><a name="z_Toc440302812"></a><a name="z_Toc440312747"></a><a name="z_Toc440317876"></a><a name="z_Toc440397776"></a><a name="z_Toc440463133"></a><a name="z_Toc440463381"></a><a name="z_Toc440466896"></a><a name="z_Toc440486233"></a><a name="z_Toc440496008"></a><a name="z_Toc440531045"></a><a name="z_Toc440555385"></a><a name="z_Toc440563412"></a><a name="z_Toc440563537"></a><a name="z_Toc440579425"></a><a name="z_Toc440579785"></a><a name="z_Toc440659477"></a><a name="z_Toc440665470"></a><a name="z_Toc440721240"></a><a name="z_Toc440733116"></a><a name="z_Toc440739887"></a><a name="z_Toc440812306"></a><a name="z_Toc440882103"></a><a name="z_Toc440903892"></a><a name="z_Toc440960586"></a><a name="z_Toc441161106"></a><a name="z_Toc441165450"></a><a name="z_Toc441178499"></a><a name="z_Toc441186128"></a><a name="z_Toc441232778"></a><a name="z_Toc441237107"></a><a name="z_Toc441238374"></a><a name="z_Toc441402174"></a><a name="z_Toc441409421"></a><a name="z_Toc441426312"></a><a name="z_Toc441434631"></a><a name="z_Toc441503954"></a><a name="z_Toc56590016"></a><a name="z_Toc56628839"></a><a name="z_Toc56634159"></a><a name="z_Toc56635767"></a><a name="z_Toc56637703"></a><a name="z_Toc56696100"></a><a name="z_Toc56697654"></a><a name="z_Toc56849308"></a><a name="z_Toc56974552"></a><a name="z_Toc57059094"></a><a name="z_Toc57139930"></a><a name="z_Toc57393314"></a><a name="z_Toc57453529"></a><a name="z_Toc57572018"></a><a name="z_Toc57758246"></a><a name="z_Toc57761946"></a><a name="z_Toc57798539"></a><a name="z_Toc57804346"></a><a name="z_Toc57805447"></a><a name="z_Toc57883226"></a><a name="z_Toc57900241"></a><a name="z_Toc58008442"></a><a name="z_Toc58225137"></a><a name="z_Toc58225255"></a><a name="z_Toc58345095"></a><a name="z_Toc58417516"></a><a name="z_Toc58434000"></a><a name="z_Toc58445706"></a><a name="z_Toc58663415"></a><a name="z_Toc58664300"></a><a name="z_Toc58667470"></a><a name="z_Toc58678034"></a><a name="z_Toc58678152"></a><a name="z_Toc58587000"></a><a name="z_Toc58587118"></a><a name="z_Toc58693868"></a><a name="z_Toc58694058"></a><a name="z_Toc58694796"></a><a name="z_Toc58694914"></a><a name="z_Toc58695032"></a><a name="z_Toc58696987"></a><a name="z_Toc58705001"></a><a name="z_Toc58705119"></a><a name="z_Toc58748284"></a><a name="z_Toc209307779"></a><a name="z_Toc209308071"></a><a name="z_Toc209308198"></a><a name="z_Toc209611925"></a><a name="z_Toc209772357"></a><a name="z_Toc210194422"></a><a name="z_Toc210332432"></a><a name="z_Toc210332554"></a><a name="z_Toc210424938"></a><a name="z_Toc210425374"></a><a name="z_Toc212367717"></a>ARTICLE VI</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;">ADDITIONAL AGREEMENTS</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Ref347359118"></a><a name="z_Ref347359406"></a><a name="z_Toc351893204"></a><a name="z_Toc352100427"></a><a name="z_Toc439886130"></a><a name="z_Toc439895010"></a><a name="z_Toc57572019"></a><a name="z_Toc58345096"></a><a name="z_Toc58587119"></a><a name="z_Toc210425375"></a><a name="z_Toc212367718"></a><font style="font-family: 'Times New Roman';">6.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Regulatory Matters</u></font>.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-size: 10pt;"><a name="z_Ref347359678"></a><font style="font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">Huntington shall promptly prepare and file
          with the SEC the S-4, in which the Joint Proxy Statement will be included as a prospectus and Cadence shall promptly prepare and file with the Federal Reserve the Joint Proxy Statement.&#160; Huntington and Cadence, as applicable, shall use reasonable
          best efforts to make such filings within thirty (30) days of the date of this Agreement.&#160; The S-4 shall also, to the extent required under the Securities Act and the regulations promulgated thereunder, register the shares of New Huntington
          Preferred Stock (or depositary shares in respect thereof) that will be issued in the transaction.&#160; Each of Huntington and Cadence shall use their reasonable best efforts to have the S-4 declared effective under the Securities Act as promptly as
          practicable after such filing and to keep the S-4 effective for so long as necessary to consummate the transactions contemplated by this Agreement, and Huntington and Cadence shall thereafter mail or deliver the Joint Proxy Statement to their
          respective shareholders.&#160; Huntington shall also use its reasonable best efforts to obtain all necessary state securities law or &#8220;Blue Sky&#8221; permits and approvals required to carry out the transactions contemplated by this Agreement as promptly as
          practicable, and Cadence shall furnish all information concerning Cadence and the holders of Cadence Common Stock as may be reasonably requested in connection with any such action.</font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-51-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: left; text-indent: 72pt; font-size: 10pt;"><a name="z_Ref57757837"></a><font style="font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">The parties hereto shall cooperate with
          each other and use their reasonable best efforts to promptly prepare and file all necessary documentation, to effect all applications, notices, petitions and filings (and in the case of the applications, notices, petitions and filings required to
          obtain the Requisite Regulatory Approvals, use their reasonable best efforts to make such filings within thirty (30) days of the date of this Agreement), to obtain as promptly as practicable all permits, consents, approvals and authorizations of
          all third parties and Governmental Entities which are necessary or advisable to consummate the transactions contemplated by this Agreement (including the Merger), and to comply with the terms and conditions of all such permits, consents,
          approvals and authorizations of all such third parties and Governmental Entities.&#160; Huntington and Cadence shall each use, and shall each cause their applicable Subsidiaries to use, reasonable best efforts to obtain each such Requisite Regulatory
          Approval and any approvals required for the Merger as promptly as reasonably practicable.&#160; The parties shall cooperate with each other in connection therewith (including the furnishing of any information and any reasonable undertaking or
          commitments that may be required to obtain the Requisite Regulatory Approvals) and shall respond as promptly as practicable to the requests of Governmental Entities for documents and information.&#160; Huntington and Cadence shall have the right to
          review in advance, and, to the extent practicable, each will consult the other on, in each case subject to applicable laws relating to the exchange of information, all the information relating to Cadence or Huntington, as the case may be, and any
          of their respective Subsidiaries, which appears in any filing made with, or written materials submitted to, any third party or any Governmental Entity in connection with the transactions contemplated by this Agreement.&#160; In exercising the
          foregoing right, each of the parties hereto shall act reasonably and as promptly as practicable.&#160; Each party will provide the other with copies of any applications and all correspondence relating thereto prior to filing and with sufficient
          opportunity to comment, other than any portions of material filed in connection therewith that contain competitively sensitive business or other proprietary information or confidential supervisory information filed under a claim of
          confidentiality.&#160; The parties hereto agree that they will consult with each other with respect to the obtaining of all permits, consents, approvals and authorizations of all third parties and Governmental Entities necessary or advisable to
          consummate the transactions contemplated by this Agreement and each party will keep the other apprised of the status of matters relating to completion of the transactions contemplated herein.&#160; Each party shall consult with the other in advance of
          any meeting or conference with any Governmental Entity in connection with the transactions contemplated by this Agreement and, to the extent permitted by such Governmental Entity, give the other party and/or its counsel the opportunity to attend
          and participate in such meetings and conferences; and provided, that each party shall promptly advise the other party with respect to substantive matters that are addressed in any meeting or conference with any Governmental Entity which the other
          party does not attend or participate in, to the extent permitted by such Governmental Entity and applicable law.</font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-52-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">In furtherance and not in limitation of
            the foregoing, each of Huntington and Cadence shall use its reasonable best efforts to (i) avoid the entry of, or to have vacated, lifted, reversed or overturned any decree, judgment, injunction or other order, whether temporary, preliminary or
            permanent, that would restrain, prevent or delay the Closing, and (ii) avoid or eliminate each and every impediment so as to enable the Closing to occur as soon as possible, including proposing, negotiating, committing to and effecting, by
            consent decree, hold separate order, or otherwise, the sale, divestiture or disposition of businesses or assets of Huntington, Cadence and their respective Subsidiaries.&#160; Notwithstanding the foregoing, nothing contained herein shall be deemed
            to require Huntington or Cadence or any of their respective Subsidiaries, and neither Huntington nor Cadence nor any of their respective Subsidiaries shall be permitted (without the written consent of the other party), to take any action, or
            commit to take any action, or agree to any condition or restriction, in connection with the foregoing or obtaining any permits, consents, approvals and authorizations of Governmental Entities that would reasonably be likely to have a material
            adverse effect on Huntington, the Surviving Bank and its Subsidiaries, taken as a whole, after giving effect to the Merger (a &#8220;<font style="font-family: 'Times New Roman';"><u>Materially Burdensome Regulatory Condition</u></font>&#8221;).</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';">Huntington and Cadence shall, upon
            request, furnish each other with all information concerning themselves, their Subsidiaries, directors, officers and shareholders and such other matters as may be reasonably necessary or advisable in connection with the Joint Proxy Statement,
            the S-4 or any other statement, filing, notice or application made by or on behalf of Huntington, Cadence or any of their respective Subsidiaries to any Governmental Entity in connection with the Merger and the other transactions contemplated
            by this Agreement.&#160; Each of Huntington and Cadence agrees, as to itself and its Subsidiaries, that none of the information suppl-ied or to be supplied by it specifically for inclusion or incorporation by reference in (i) the S-4 will, at the
            time the S-4 and each amendment or supplement thereto, if any, is filed and becomes effective under the Securities Act, contain any untrue statement of a material fact or omit to state any material fact required to be stated therein or
            necessary to make the statements therein not misleading, (ii) the Joint Proxy Statement and any amendment or supplement thereto will, at the time of filing and the date of mailing to the respective shareholders of Cadence or Huntington and at
            the time of the Huntington Meeting and the Cadence Meeting, contain any untrue statement of a material fact or omit to state any material fact required to be stated therein or necessary to make the statements therein, in the light of the
            circumstances under which such statement was made, not misleading, and (iii) any applications, notices and filings required in order to obtain the Requisite Regulatory Approvals will, at the time each is filed, contain any untrue statement of a
            material fact or omit to state any material fact required to be stated therein or necessary to make the statements therein not misleading.&#160; Each of Huntington and Cadence further agrees that if it becomes aware that any information furnished by
            it would cause any of the statements in the S-4 or the Joint Proxy Statement to be false or misleading with respect to any material fact, or to omit to state any material fact necessary to make the statements therein not false or misleading, to
            promptly inform the other party thereof and to take appropriate steps to correct the S-4 or the Joint Proxy Statement.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="font-family: 'Times New Roman';">Huntington and Cadence shall promptly
            advise each other upon receiving any communication from any Governmental Entity whose consent or approval is required for consummation of the transactions contemplated by this Agreement that causes such party to believe that there is a
            reasonable likelihood that any Requisite Regulatory Approval will not be obtained or that the receipt of any such approval will be materially delayed.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-53-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(f)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160; <font style="font-family: 'Times New Roman';">Without limiting the generality of this
            Section 6.1, Cadence shall, and shall cause its Subsidiaries to, reasonably cooperate with Huntington and its Subsidiaries (including the furnishing of information and by making employees reasonably available) as is reasonably requested by
            Huntington in order to comply with the requirements of the Comprehensive Capital Analysis and Review and Dodd-Frank Act Stress Testing programs.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc351893205"></a><a name="z_Toc352100428"></a><a name="z_Toc439886131"></a><a name="z_Toc439895011"></a><a name="z_Toc57572020"></a><a name="z_Toc58345097"></a><a name="z_Toc58587120"></a><a name="z_Toc210425376"></a><a name="z_Toc212367719"></a><font style="font-family: 'Times New Roman';">6.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Access to
            Information</u></font>.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-size: 10pt;"><a name="z_Ref347359087"></a><font style="font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">Subject to Section 9.7, upon reasonable
          notice and subject to applicable laws, each of the Huntington Parties and Cadence, for the purposes of verifying the representations and warranties of the other and preparing for the Merger and the other matters contemplated by this Agreement,
          shall, and shall cause each of their respective Subsidiaries to, afford to the officers, employees, accountants, counsel, advisors and other representatives of the other party, access, during normal business hours during the period prior to the
          Effective Time, to all its properties, books, contracts, personnel, information technology systems, and records, and each shall reasonably cooperate with the other party in preparing to execute after the Effective Time the conversion or
          consolidation of systems and business operations generally (including by entering into customary confidentiality, non-disclosure and similar agreements with such service providers and/or the other party), and, during such period, during normal
          business hours and in a manner so as not to interfere with normal business operations, each of the Huntington Parties and Cadence shall, and shall cause its respective Subsidiaries to, make available to the other party such information concerning
          its business, properties and personnel as such party may reasonably request.&#160; Each party shall use commercially reasonable efforts to minimize any interference with the other party&#8217;s regular business operations during any such access.&#160; Neither
          the Huntington Parties nor Cadence nor any of their respective Subsidiaries shall be required to provide access to or to disclose information where such access or disclosure would violate or prejudice the rights of the Huntington Parties&#8217; or
          Cadence&#8217;s, as the case may be, customers, jeopardize the attorney-client privilege of the institution in possession or control of such information (after giving due consideration to the existence of any common interest, joint defense or similar
          agreement between the parties) or contravene any law, rule, regulation, order, judgment, decree, fiduciary duty or binding agreement entered into prior to the date of this Agreement.&#160; The parties hereto will make appropriate substitute disclosure
          arrangements under circumstances in which the restrictions of the preceding sentence apply.</font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-size: 10pt;"><a name="z_Ref347359800"></a><font style="font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160; &#160; &#160;&#160; <font style="font-family: 'Times New Roman';">Each of the Huntington Parties and
          Cadence shall hold all information furnished by or on behalf of the other party or any of such party&#8217;s Subsidiaries or representatives pursuant to Section 6.2(a) in confidence to the extent required by, and in accordance with, the provisions of
          the confidentiality agreement, dated August 12, 2025, between Huntington and Cadence (the &#8220;<font style="font-family: 'Times New Roman';"><u>Confidentiality Agreement</u></font>&#8221;).</font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">No investigation by either of the
            parties or their respective representatives shall affect or be deemed to modify or waive the representations and warranties of the other set forth herein.&#160; Nothing contained in this Agreement shall give either party, directly or indirectly, the
            right to control or direct the operations of the other party prior to the Effective Time.&#160; Prior to the Effective Time, each party shall exercise, consistent with the terms and conditions of this Agreement, complete control and supervision over
            its and its Subsidiaries&#8217; respective operations.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-54-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Ref347359340"></a><a name="z_Ref347359697"></a><a name="z_Toc351893206"></a><a name="z_Toc352100429"></a><a name="z_Toc439886132"></a><a name="z_Toc439895012"></a><a name="z_Toc57572021"></a><a name="z_Toc58345098"></a><a name="z_Toc58587121"></a><a name="z_Toc210425377"></a><a name="z_Toc212367720"></a><font style="font-family: 'Times New Roman';">6.3</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Cadence Shareholder Approval</u></font>.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-size: 10pt;"><a name="z_Ref439873588"></a><font style="font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">Cadence shall take, in accordance with
          applicable law and the Cadence Articles and Cadence Bylaws, all actions necessary to convene a meeting of its shareholders (the &#8220;<font style="font-family: 'Times New Roman';"><u>Cadence Meeting</u></font>&#8221;) to be held as soon as reasonably
          practicable after the S-4 is declared effective for the purpose of obtaining the Requisite Cadence Vote required in connection with this Agreement and the Merger and, if so desired and mutually agreed by the parties, other matters of the type
          customarily brought before an annual or special meeting of shareholders to adopt a merger agreement.&#160; The Board of Directors of Cadence shall use its reasonable best efforts to obtain from the shareholders of Cadence the Requisite Cadence Vote,
          including (except in the case of a Cadence Adverse Recommendation Change) by communicating to its shareholders its recommendation (and including such recommendation in the Joint Proxy Statement) that they approve this Agreement and the
          transactions contemplated hereby (the &#8220;<font style="font-family: 'Times New Roman';"><u>Cadence Board Recommendation</u></font>&#8221;) and shall not make a Cadence Adverse Recommendation Change except in accordance with this Section 6.3.&#160; Cadence
          shall engage a proxy solicitor reasonably acceptable to the Huntington Parties to assist in the solicitation of proxies from shareholders relating to the Requisite Cadence Vote.&#160; However, subject to Section 8.1 and Section 8.2, if the Board of
          Directors of Cadence, after receiving the advice of its outside counsel and, with respect to financial matters, its financial advisors, determines in good faith (x) that a Cadence Acquisition Proposal constitutes a Superior Proposal and that it
          would more likely than not result in a violation of its fiduciary duties under applicable law to continue to recommend this Agreement and the Merger or (y) in response to an Intervening Event that it would more likely than not result in a
          violation of its fiduciary duties under applicable law to continue to recommend this Agreement and the Merger, then, prior to the receipt of the Requisite Cadence Vote, in submitting this Agreement and the Merger to its shareholders, the Board of
          Directors of Cadence may withhold or withdraw or modify or qualify in a manner adverse to the Huntington Parties the Cadence Board Recommendation or may submit this Agreement and the Merger to its shareholders without recommendation (each, a &#8220;<font style="font-family: 'Times New Roman';"><u>Cadence Adverse Recommendation Change</u></font>&#8221;) (although the resolutions approving this Agreement as of the date hereof may not be rescinded or amended), in which event the Board of Directors of
          Cadence may communicate the basis for its Cadence Adverse Recommendation Change to its shareholders in the Joint Proxy Statement or an appropriate amendment or supplement thereto; <font style="font-family: 'Times New Roman';"><u>provided</u></font>,
          that the Board of Directors of Cadence may not take any actions under this sentence unless (i) it gives the Huntington Parties at least three (3) business days&#8217; prior written notice of its intention to take such action and a reasonable
          description of the event or circumstances giving rise to its determination to take such action (including, in the event such action is taken by the Board of Directors of Cadence in response to a Cadence Acquisition Proposal, the latest material
          terms and conditions and the identity of the third party in any such Cadence Acquisition Proposal, or any amendment or modification thereof, or describe in reasonable detail such other event or circumstances) and (ii) at the end of such notice
          period, the Board of Directors of Cadence takes into account any amendment or modification to this Agreement proposed by the Huntington Parties and after receiving the advice of its outside counsel and, with respect to financial matters, its
          financial advisors, determines in good faith (x) that such Cadence Acquisition Proposal nevertheless constitutes a Superior Proposal and that it would more likely than not result in a violation of its fiduciary duties under applicable law to
          continue to recommend this Agreement and the Merger or (y) with respect to an Intervening Event that it would nevertheless more likely than not result in a violation of its fiduciary duties under applicable law to continue to recommend this
          Agreement and the Merger.&#160; Any material amendment to any Cadence Acquisition Proposal will be deemed to be a new Cadence Acquisition Proposal for purposes of this Section 6.3 and will require a new notice period as referred to in this Section
          6.3.</font></div>
      <div style="font-size: 10pt;">&#160;</div>
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        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-55-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="text-align: left; text-indent: 72pt; font-size: 10pt;"><a name="z_Ref439869407"></a><font style="font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">Cadence shall adjourn or postpone the
          Cadence Meeting if, as of the time for which such meeting is originally scheduled, there are insufficient shares of Cadence Common Stock represented (either in person or by proxy) to constitute a quorum necessary to conduct the business of such
          meeting, or if on the date of such meeting, Cadence has not received proxies representing a sufficient number of shares necessary to obtain the Requisite Cadence Vote.&#160; Notwithstanding anything to the contrary herein, unless this Agreement has
          been terminated in accordance with its terms, the Cadence Meeting shall be convened and this Agreement and the Merger shall be submitted to the shareholders of Cadence at the Cadence Meeting, for the purpose of voting on the approval of this
          Agreement and the Merger and the other matters contemplated hereby, and nothing contained herein shall be deemed to relieve Cadence of such obligation.&#160; Cadence shall only be required to adjourn or postpone the Cadence Meeting two (2) times
          pursuant to the first sentence of this Section 6.3(b).</font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">For purposes of this Agreement, &#8220;<font style="font-family: 'Times New Roman';"><u>Superior Proposal</u></font>&#8221; means (i) in the case of Cadence, any <font style="font-family: 'Times New Roman'; font-style: italic;">bona fide</font> written Cadence Acquisition Proposal that the
            Board of Directors of Cadence has determined in good faith, after consultation with its financial advisors and outside legal counsel, and taking into account all legal, regulatory and other aspects of the proposal and the person making the
            proposal, is more favorable to Cadence and its shareholders from a financial point of view than the Merger (including, as the case may be, any revisions to the terms of this Agreement proposed by Huntington in response to such proposal or
            otherwise) and is reasonably likely to receive all required governmental approvals and financing on a timely basis and is otherwise reasonably capable of being completed on the terms proposed, or (ii) in the case of Huntington, any <font style="font-family: 'Times New Roman'; font-style: italic;">bona fide </font>written Huntington Acquisition Proposal that the Board of Directors of Huntington has determined in good faith, after consultation with its financial advisors and
            outside legal counsel, and taking into account all legal, regulatory and other aspects of the proposal and the person making the proposal, is more favorable to Huntington and its shareholders from a financial point of view than the Merger
            (including, as the case may be, any revisions to the terms of this Agreement proposed by Cadence in response to such proposal or otherwise) and is reasonably likely to receive all required governmental approvals and financing on a timely basis
            and is otherwise reasonably capable of being completed on the terms proposed; <font style="font-family: 'Times New Roman';"><u>provided</u></font>, in each case, that for purposes of the definition of &#8220;Superior Proposal&#8221;, the references to
            &#8220;25%&#8221; in the definition of Cadence Acquisition Proposal or Huntington Acquisition Proposal shall instead refer to &#8220;50%&#8221;.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">For purposes of this Agreement, &#8220;<font style="font-family: 'Times New Roman';"><u>Intervening Event</u></font>&#8221; means any material effect, change, circumstance, event or occurrence that (i) was not known to or reasonably foreseeable by the Board of Directors of Cadence or
            Huntington, as the case may be, on the date hereof (or if known, the material consequences of which were not known to or reasonably foreseeable by the Board of Directors of Cadence or Huntington, as the case may be, as of the date hereof), and
            (ii) that does not relate to or involve (A) any Cadence Acquisition Proposal or Huntington Acquisition Proposal, (B) any effect, change, circumstance, event or occurrence relating to the other party or any of its Subsidiaries unless it would
            reasonably be likely to have, either individually or in the aggregate, a Material Adverse Effect on such other party, or (C) the mere fact, in and of itself, of Cadence or Huntington meeting, exceeding or failing to meet earnings projections or
            internal financial forecasts or changes after the date hereof in the market price or trading volume of the common stock or credit rating of Cadence or Huntington (it being understood that the underlying cause of any of the foregoing in this
            clause (C) may be considered and taken into account to the extent otherwise permitted by this definition).</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-56-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Ref440496052"></a><a name="z_Toc57572022"></a><a name="z_Toc58345099"></a><a name="z_Toc58587122"></a><a name="z_Toc210425378"></a><a name="z_Toc212367721"></a><font style="font-family: 'Times New Roman';">6.4</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Huntington Shareholder Approval</u></font>.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">Huntington shall take, in accordance
            with applicable law and the Huntington Articles and Huntington Bylaws, all actions necessary to convene a meeting of its shareholders (the &#8220;<font style="font-family: 'Times New Roman';"><u>Huntington Meeting</u></font>&#8221;) to be held as soon as
            reasonably practicable after the S-4 is declared effective for the purpose of obtaining the Requisite Huntington Vote required in connection with this Agreement and the Merger and, if so desired and mutually agreed by the parties, other matters
            of the type customarily brought before an annual or special meeting of shareholders to adopt a merger agreement.&#160; The Board of Directors of Huntington shall use its reasonable best efforts to obtain from the shareholders of Huntington the
            Requisite Huntington Vote, including (except in the case of a Huntington Adverse Recommendation Change) by communicating to its shareholders its recommendation (and including such recommendation in the Joint Proxy Statement) that they approve
            the i<font style="font-family: 'Times New Roman';">ssuance of Huntington Common Stock in connection with the Merger </font>(the &#8220;<font style="font-family: 'Times New Roman';"><u>Huntington Board Recommendation</u></font>&#8221;) and shall not make a
            Huntington Adverse Recommendation Change except in accordance with this Section 6.4.&#160; Huntington shall engage a proxy solicitor reasonably acceptable to Cadence to assist in the solicitation of proxies from shareholders relating to the
            Requisite Huntington Vote.&#160; However, subject to Section 8.1 and Section 8.2, if the Board of Directors of Huntington, after receiving the advice of its outside counsel and, with respect to financial matters, its financial advisors, determines
            in good faith (x) that a Huntington Acquisition Proposal constitutes a Superior Proposal and that it would more likely than not result in a violation of its fiduciary duties under applicable law to continue to recommend the i<font style="font-family: 'Times New Roman';">ssuance of Huntington Common Stock in connection with the Merger</font> or (y) in response to an Intervening Event that it would more likely than not result in a violation of its fiduciary duties under
            applicable law to continue to recommend the i<font style="font-family: 'Times New Roman';">ssuance of Huntington Common Stock in connection with the Merger</font>, then, prior to the receipt of the Requisite Huntington Vote, in submitting this
            Agreement and the Merger to its shareholders, the Board of Directors of Huntington may withhold or withdraw or modify or qualify in a manner adverse to Cadence the Huntington Board Recommendation or may submit this Agreement and the Merger to
            its shareholders without recommendation (each, a &#8220;<font style="font-family: 'Times New Roman';"><u>Huntington Adverse Recommendation Change</u></font>&#8221;) (although the resolutions approving this Agreement as of the date hereof may not be
            rescinded or amended), in which event the Board of Directors of Huntington may communicate the basis for its Huntington Adverse Recommendation Change to its shareholders in the Joint Proxy Statement or an appropriate amendment or supplement
            thereto; <font style="font-family: 'Times New Roman';"><u>provided</u></font>, that the Board of Directors of Huntington may not take any actions under this sentence unless (i) it gives Cadence at least three (3) business days&#8217; prior written
            notice of its intention to take such action and a reasonable description of the event or circumstances giving rise to its determination to take such action and (ii) at the end of such notice period, the Board of Directors of Huntington takes
            into account any amendment or modification to this Agreement proposed by Cadence and after receiving the advice of its outside counsel and, with respect to financial matters, its financial advisors, determines in good faith (x) that such
            Huntington Acquisition Proposal nevertheless constitutes a Superior Proposal and that it would more likely than not result in a violation of its fiduciary duties under applicable law to continue to recommend the i<font style="font-family: 'Times New Roman';">ssuance of Huntington Common Stock in connection with the Merger </font>or (y) with respect to an Intervening Event that it would nevertheless more likely than not result in a violation of its fiduciary duties under
            applicable law to continue to recommend the i<font style="font-family: 'Times New Roman';">ssuance of Huntington Common Stock in connection with the Merger</font>.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-57-</font></div>
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      </div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';">Huntington shall adjourn or postpone the
            Huntington Meeting, if, as of the time for which such meeting is originally scheduled, there are insufficient shares of Huntington Common Stock represented (either in person or by proxy) to constitute a quorum necessary to conduct the business
            of such meeting, or if on the date of such meeting, Huntington has not received proxies representing a sufficient number of shares necessary to obtain the Requisite Huntington Vote.&#160; Notwithstanding anything to the contrary herein, unless this
            Agreement has been terminated in accordance with its terms, the Huntington Meeting shall be convened and this Agreement and the Merger shall be submitted to the shareholders of Huntington at the Huntington Meeting, for the purpose of voting on
            the approval of the Merger and the other matters contemplated hereby, and nothing contained herein shall be deemed to relieve Huntington of such obligation.&#160; Huntington shall only be required to adjourn or postpone the Huntington Meeting two
            (2) times pursuant to the first sentence of this <a name="z_Ref440494025"></a>Section 6.4(b).&#160; Each of Cadence and Huntington shall use its reasonable best efforts to cause the Cadence Meeting and the Huntington Meeting to occur as soon as
            reasonably practicable and on the same date.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc351893207"></a><a name="z_Toc352100430"></a><a name="z_Toc439886134"></a><a name="z_Toc439895014"></a><a name="z_Toc57572023"></a><a name="z_Toc58345100"></a><a name="z_Toc58587123"></a><a name="z_Toc210425379"></a><a name="z_Toc212367722"></a><font style="font-family: 'Times New Roman';">6.5</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Legal Conditions to
            Merger</u></font>.&#160; Subject in all respects to Section 6.1 of this Agreement, each of Huntington and Cadence shall, and shall cause its Subsidiaries to, use their reasonable best efforts, in each case as promptly as practicable, (a) to take, or
        cause to be taken, all actions necessary, proper or advisable to comply promptly with all legal and regulatory requirements that may be imposed on such party or its Subsidiaries with respect to the Merger and, subject to the conditions set forth in
        Article VII hereof, to consummate the transactions contemplated by this Agreement, and (b) to obtain (and to cooperate with the other party to obtain) any material consent, authorization, order or approval of, or any exemption by, any Governmental
        Entity and any other third party that is required to be obtained by Cadence or Huntington or any of their respective Subsidiaries in connection with the Merger and the other transactions contemplated by this Agreement.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc351893208"></a><a name="z_Toc352100431"></a><a name="z_Toc439886135"></a><a name="z_Toc439895015"></a><a name="z_Toc57572024"></a><a name="z_Toc58345101"></a><a name="z_Toc58587124"></a><a name="z_Toc210425380"></a><a name="z_Toc212367723"></a><font style="font-family: 'Times New Roman';">6.6</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Stock Exchange
            Listing</u></font>.&#160; Huntington shall cause the shares of Huntington Common Stock and New Huntington Preferred Stock (or depositary shares in respect thereof) to be issued in the Merger to be approved for listing on the NASDAQ, subject to
        official notice of issuance, prior to the Effective Time.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 72pt;"><a name="z_Toc210425381"></a><a name="z_Toc212367724"></a><font style="font-family: 'Times New Roman';">6.7</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Tax Matters</u></font>.&#160; The Huntington Parties shall use reasonable best efforts to obtain the Huntington Tax Opinion, and Cadence shall use reasonable best efforts to obtain the Cadence Tax Opinion (and, if the SEC
        requires any opinion regarding the U.S. federal income tax treatment of the Merger to be submitted in connection with the declaration of the effectiveness of the S-4, such opinions).&#160; In connection with the foregoing, each party shall deliver duly
        executed certificates (dated as of the necessary date and signed by an officer of the Huntington Parties or Cadence, as applicable) containing such representations and warranties as shall be reasonably satisfactory in form and substance to
        Huntington&#8217;s counsel and Cadence&#8217;s counsel and reasonably necessary or appropriate to enable such counsel to render such opinions (but only to the extent the Huntington Parties and Cadence in good faith believe they are able to make such
        representations and warranties truthfully).</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-58-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Ref347359132"></a><a name="z_Toc351893209"></a><a name="z_Toc352100432"></a><a name="z_Toc439886136"></a><a name="z_Toc439895016"></a><a name="z_Ref440645531"></a><a name="z_Toc57572025"></a><a name="z_Toc58345102"></a><a name="z_Toc58587125"></a><a name="z_Toc210425382"></a><a name="z_Toc212367725"></a><font style="font-family: 'Times New Roman';">6.8</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Employee Matters</u></font>.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-size: 10pt;"><a name="z_Ref58172227"></a><a name="z_Ref58172227_1"></a><a name="z_Ref352102343"></a><a name="z_Ref399775169"></a><font style="font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">Huntington shall provide the employees of Cadence and its Subsidiaries as of the Effective Time (the &#8220;<font style="font-family: 'Times New Roman';"><u>Continuing Employees</u></font>&#8221;), during the period
          commencing at the Effective Time and ending on December 31 of the calendar year during which the Effective Time occurs, for so long as a Continuing Employee is employed following the Effective Time, with the following: (i)&#160; annual base salary or
          wages, as applicable, that are no less than the annual base salary or wages in effect for each such Continuing Employee immediately prior to the Effective Time; (ii) target short- and long-term incentive opportunities that are no less favorable
          in the aggregate than those provided to each such Continuing Employee immediately prior to the Effective Time, and (iii) employee benefits (other than severance, perquisites, defined benefit pension, deferred compensation, post-termination
          welfare, split dollar insurance, change in control and retention benefits) that are no less favorable in the aggregate than those provided to such Continuing Employees immediately prior to the Effective Time (other than severance, perquisites,
          defined benefit pension, deferred compensation, post-termination welfare, split dollar insurance, change in control and retention benefits).&#160; For a period beginning at the Effective Time and continuing through the first anniversary thereof, each
          Continuing Employee who is not party to an individual agreement providing for severance or termination benefits and is terminated under severance qualifying circumstances shall be eligible to receive severance benefits pursuant to the Huntington
          Transition Pay Plan as in effect as of the date of this Agreement, subject to such Continuing Employee&#8217;s execution (and non-revocation) of a release of claims. In addition, e<font style="font-family: 'Times New Roman';">ach of Cadence and
            Huntington shall take all actions necessary or appropriate to effectuate the matters set forth on Section 6.8(a) of the Cadence Disclosure Schedule.</font></font></div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: left; text-indent: 72pt; font-size: 10pt;"><a name="z_Toc531407312"></a><font style="font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">With respect to any employee benefit plans
          of Huntington or its Subsidiaries in which any Continuing Employees <a name="z_Toc531407313"></a>become eligible to participate on or after the Effective Time (the &#8220;<font style="font-family: 'Times New Roman';"><u>New Plans</u></font>&#8221;),
          Huntington and its Subsidiaries shall: (i) waive all pre-existing conditions and waiting periods and use commercially reasonable efforts to waive all exclusions with respect to participation and coverage requirements applicable to such employees
          and their eligible dependents under any New Plans, except to the extent such pre-existing conditions, exclusions or waiting periods would apply under the analogous Cadence Benefit Plan, (ii) use commercially reasonable efforts to provide each
          such employee and their eligible dependents with credit for any co-payments or coinsurance and deductibles paid prior to the Effective Time under a Cadence Benefit Plan that provides health care benefits (including medical, dental and vision), to
          the same extent that such credit was given under the analogous Cadence Benefit Plan prior to the Effective Time, in satisfying any applicable deductible, co-payment, coinsurance or maximum out-of-pocket requirements under any New Plans, and (iii)
          recognize all service of such employees with Cadence and its Subsidiaries, including with their respective predecessors, for all purposes in any New Plan to the same extent that such service was taken into account under the analogous Cadence
          Benefit Plan prior to the Effective Time; <font style="font-family: 'Times New Roman';"><u>provided</u></font>, that the foregoing service recognition shall not apply (A) to the extent it would result in duplication of benefits for the same
          period of service, (B) for purposes of any defined benefit pension plan or supplemental plan, or (C) for purposes of any benefit plan that is a frozen plan or provides grandfathered benefits.</font></div>
      <div style="font-size: 10pt;"><br>
      </div>
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        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-59-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
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      </div>
      <div style="text-align: left; text-indent: 72pt; font-size: 10pt;"><a name="z_Ref352098489"></a><a name="z_Ref57796610"></a><font style="font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">Effective as
          of the Effective Time, Huntington agrees to assume and honor all Cadence Benefit Plans in accordance with their terms as of the date hereof, it being understood that this sentence shall not be construed to limit the ability of Huntington or any
          of its Subsidiaries or affiliates to amend or terminate any Cadence Benefit Plan to the extent that such amendment or termination is permitted by the terms of the applicable plan.</font></div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: left; text-indent: 72pt; font-size: 10pt;"><a name="z_Ref440316762"></a><font style="font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">Unless otherwise requested by Huntington
          in writing at least ten (10) business days prior to the Effective Time, Cadence shall cause any 401(k) plan or other defined contribution plan sponsored or maintained by Cadence (collectively, the &#8220;Cadence 401(k) Plan&#8221;) to be terminated effective
          as of the day immediately prior to the Effective Time and contingent upon the occurrence of the Closing.&#160; In the event that the Cadence 401(k) Plan is terminated in accordance with the foregoing sentence, the Continuing Employees shall be
          eligible to participate, effective as of the Effective Time, in a 401(k) plan sponsored or maintained by Huntington or one of its Subsidiaries (a &#8220;Huntington 401(k) Plan&#8221;).&#160; Cadence and Huntington shall take any and all actions as may be
          required, including amendments to the Cadence 401(k) Plan and/or Huntington 401(k) Plan to permit the Continuing Employees who are then actively employed to make rollover contributions to the Huntington 401(k) Plan of &#8220;eligible rollover
          distributions&#8221; (with the meaning of Section 401(a)(31) of the Code) in the form of cash, notes (in the case of loans) or a combination thereof.&#160; Cadence shall provide Huntington with evidence that the Cadence 401(k) Plan has been terminated or
          amended, as applicable, in accordance with this Section 6.8(d); provided, that prior to amending or terminating the Cadence 401(k) Plan, Cadence shall provide the form and substance of any applicable resolutions or amendments to Huntington for
          review and approval (which approval shall not be unreasonably withheld, conditioned or delayed).</font></div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: left; text-indent: 72pt; font-size: 10pt;"><a name="z_Ref440893631"></a><font style="font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">On and after the date hereof, any
          broad-based employee notices or communication materials (including any website posting) to be provided or communicated by Cadence with respect to employment, compensation or benefits matters addressed in this Agreement or related, directly or
          indirectly, to the transactions contemplated by this Agreement shall be subject to the prior prompt review and comment of Huntington, and Cadence shall consider in good faith revising such notice or communication to reflect any comments or advice
          that Huntington timely provides.</font></div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(f)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">Nothing in this Agreement shall confer
            upon any employee, officer, director or consultant of Cadence or any of its Subsidiaries or affiliates any right to continue in the employ or service of the Surviving Bank, Cadence, Huntington, or any Subsidiary or affiliate thereof, or shall
            interfere with or restrict in any way the rights of the Surviving Bank, Cadence, Huntington or any Subsidiary or affiliate thereof to discharge or terminate the services of any employee, officer, director or consultant of Cadence or any of its
            Subsidiaries or affiliates at any time for any reason whatsoever, with or without cause.&#160; Nothing in this Agreement shall be deemed to (i) establish, amend, or modify any Cadence Benefit Plan, New Plan or any other benefit or employment plan,
            program, agreement or arrangement, or (ii) alter or limit the ability of the Huntington or any of its Subsidiaries or affiliates to amend, modify or terminate any particular Cadence Benefit Plan, New Plan or any other benefit or employment
            plan, program, agreement or arrangement after the Effective Time.&#160; Without limiting the generality of Section 9.12, nothing in this Agreement, express or implied, is intended to or shall confer upon any person, including any current or former
            employee, officer, director or consultant of Cadence or any of its Subsidiaries or affiliates, any right, benefit or remedy of any nature whatsoever under or by reason of this Agreement.</font></font></div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-60-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Ref347359226"></a><a name="z_Ref347360115"></a><a name="z_Ref347360205"></a><a name="z_Toc351893210"></a><a name="z_Toc352100433"></a><a name="z_Toc402129950"></a><a name="z_Toc402173083"></a><a name="z_Toc402173293"></a><a name="z_Toc402962139"></a><a name="z_Toc439886137"></a><a name="z_Toc439895017"></a><a name="z_Toc57572026"></a><a name="z_Toc58345103"></a><a name="z_Toc58587126"></a><a name="z_Toc210425383"></a><a name="z_Toc212367726"></a><font style="font-family: 'Times New Roman';">6.9</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Indemnification; Directors&#8217; and Officers&#8217;
            Insurance</u></font>.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">From and after the Effective Time, the
            Surviving Bank shall indemnify and hold harmless, to the fullest extent permitted by applicable law, each present and former director, officer or employee of Cadence and its Subsidiaries (in each case, when acting in such capacity)
            (collectively, the &#8220;<font style="font-family: 'Times New Roman';"><u>Cadence Indemnified Parties</u></font>&#8221;) against any costs or expenses (including reasonable attorneys&#8217; fees), judgments, fines, losses, damages or liabilities incurred in
            connection with any threatened or actual claim, action, suit, proceeding or investigation, whether civil, criminal, administrative or investigative, whether arising before or after the Effective Time, arising in whole or in part out of, or
            pertaining to, the fact that such person is or was a director, officer or employee of Cadence or any of its Subsidiaries or is or was serving at the request of Cadence or any of its Subsidiaries as a director or officer of another person and
            pertaining to matters, acts or omissions existing or occurring at or prior to the Effective Time, including matters, acts or omissions occurring in connection with the consideration and approval of this Agreement and the transactions
            contemplated by this Agreement, and the Surviving Bank shall also advance expenses as incurred by the Cadence Indemnified Party to the fullest extent permitted by applicable law; <font style="font-family: 'Times New Roman';"><u>provided</u></font>,
            that in the case of advancement of expenses the Cadence Indemnified Party to whom expenses are advanced provides an undertaking (in a reasonable and customary form) to repay such advances if it is ultimately determined that such Cadence
            Indemnified Party is not entitled to indemnification.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';">For a period of six (6) years after the
            Effective Time, the Surviving Bank shall maintain in effect the current policies of directors&#8217; and officers&#8217; liability insurance maintained by Cadence (<font style="font-family: 'Times New Roman';"><u>provided</u></font>, that the Surviving
            Bank may substitute therefor policies with a substantially comparable insurer of at least the same coverage and amounts containing terms and conditions which are no less advantageous to the insured) with respect to claims against the present
            and former officers and directors of Cadence or any of its Subsidiaries arising from facts or events which occurred at or before the Effective Time (including the transactions contemplated by this Agreement); <font style="font-family: 'Times New Roman';"><u>provided</u></font>, <font style="font-family: 'Times New Roman';"><u>however</u></font>, that the Surviving Bank shall not be obligated to expend, on an annual basis, an amount in excess of three hundred percent 300% of the
            current annual premium paid as of the date hereof by Cadence for such insurance (the &#8220;<font style="font-family: 'Times New Roman';"><u>Premium Cap</u></font>&#8221;), and if such premiums for such insurance would at any time exceed the Premium Cap,
            then the Surviving Bank shall cause to be maintained policies of insurance that, in its good-faith determination, provide the maximum coverage available at an annual premium equal to the Premium Cap.&#160; In lieu of the foregoing, Cadence, in
            consultation with, but only upon the consent of the Huntington Parties, may (and at the request of the Huntington Parties, Cadence shall use its reasonable best efforts to) obtain at or prior to the Effective Time a six-year &#8220;tail&#8221; policy under
            Cadence&#8217;s existing directors&#8217; and officers&#8217; insurance policy providing equivalent coverage to that described in the preceding sentence if and to the extent that the same may be obtained for an amount that, in the aggregate, does not exceed the
            Premium Cap.&#160; If Cadence purchases such a tail policy, the Surviving Bank shall maintain such tail policy in full force and effect and continue to honor its obligations thereunder.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-61-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">The provisions of this Section 6.9 shall
            survive the Effective Time and are intended to be for the benefit of, and shall be enforceable by, each Cadence Indemnified Party and his or her heirs and representatives.&#160; If the Surviving Bank or any of its successors or assigns consolidates
            with or merges into any other entity and is not the continuing or surviving entity of such consolidation or merger, transfers all or substantially all its assets or deposits to any other entity or engages in any similar transaction, then in
            each case, the Surviving Bank will cause proper provision to be made so that the successors and assigns of the Surviving Bank will expressly assume the obligations set forth in this Section 6.9. For the avoidance of doubt, to the extent
            required by any agreement previously entered into by Cadence in connection with a merger, acquisition or other business combination, the provisions of this Section 6.9 shall apply to directors, officers, employees and fiduciaries of predecessor
            entities previously acquired by Cadence or any of its Subsidiaries.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">The obligations of the Surviving Bank,
            the Huntington Parties and Cadence under this Section 6.9 shall not be terminated or modified in a manner so as to adversely affect any Cadence Indemnified Party or any other person entitled to the benefit of this Section 6.9 without the prior
            written consent of the affected person.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc351893211"></a><a name="z_Toc352100434"></a><a name="z_Toc439886138"></a><a name="z_Toc439895018"></a><a name="z_Toc57572027"></a><a name="z_Toc58345104"></a><a name="z_Toc58587127"></a><a name="z_Toc210425384"></a><a name="z_Toc212367727"></a><font style="font-family: 'Times New Roman';">6.10</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Additional Agreements</u></font>.&#160;




        In case at any time after the Effective Time any further action is necessary or desirable to carry out the purposes of this Agreement or to vest the Huntington Parties or the Surviving Bank with full title to all properties, assets, rights,
        approvals, immunities and franchises of any of the parties to the Merger, the then-current officers and directors of each party to this Agreement and their respective Subsidiaries shall take, or cause to be taken, all such necessary action as may
        be reasonably requested by the other party, at the expense of the party who makes any such request.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Ref347359243"></a><a name="z_Toc351893212"></a><a name="z_Toc352100435"></a><a name="z_Toc439886139"></a><a name="z_Toc439895019"></a><a name="z_Toc57572028"></a><a name="z_Toc58345105"></a><a name="z_Toc58587128"></a><a name="z_Toc210425385"></a><a name="z_Toc212367728"></a><font style="font-family: 'Times New Roman';">6.11</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Advice of Changes</u></font>.&#160; The Huntington Parties and Cadence shall each promptly advise the other party of any effect, change, event, circumstance, condition, occurrence or development known to it (i) that has had or is
        reasonably likely to have a Material Adverse Effect on it or (ii) which it believes would or would be reasonably likely to cause or constitute a material breach of any of its representations, warranties or covenants contained herein or that
        reasonably could be expected to give rise, individually or in the aggregate, to the failure of a condition in Article VII; <font style="font-family: 'Times New Roman';"><u>provided</u></font>, that any failure to give notice in accordance with the
        foregoing with respect to any breach shall not be deemed to constitute a violation of this Section 6.11 or the failure of any condition set forth in Section 7.2 or 7.3 to be satisfied, or otherwise constitute a breach of this Agreement by the party
        failing to give such notice, in each case unless the underlying breach would independently result in a failure of the conditions set forth in Section 7.2 or 7.3 to be satisfied; and <font style="font-family: 'Times New Roman';"><u>provided</u></font>,
        <font style="font-family: 'Times New Roman';"><u>further</u></font>, that the delivery of any notice pursuant to this Section 6.11 shall not cure any breach of, or noncompliance with, any other provision of this Agreement or limit the remedies
        available to the party receiving such notice.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-62-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc351893213"></a><a name="z_Toc352100436"></a><a name="z_Ref439867097"></a><a name="z_Toc439886140"></a><a name="z_Toc439895020"></a><a name="z_Ref56529861"></a><a name="z_Toc57572029"></a><a name="z_Ref57882575"></a><a name="z_Toc58345106"></a><a name="z_Toc58587129"></a><a name="z_Toc210425386"></a><a name="z_Toc212367729"></a><font style="font-family: 'Times New Roman';">6.12</font>&#160;&#160;&#160;&#160;&#160;&#160;




        <font style="font-family: 'Times New Roman';"><u>Dividends</u></font>.&#160; After the date of this Agreement, each of Huntington and Cadence shall coordinate with the other the declaration of any dividends in respect of Huntington Common Stock and
        Cadence Common Stock and the record dates and payment dates relating thereto, it being the intention of the parties hereto that holders of Cadence Common Stock shall not receive two (2) dividends, or fail to receive one (1) dividend, in any quarter
        with respect to their shares of Cadence Common Stock and any shares of Huntington Common Stock any such holder receives in exchange therefor in the Merger.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Ref347928209"></a><a name="z_Toc351893214"></a><a name="z_Toc352100437"></a><a name="z_Ref400486201"></a><a name="z_Toc439886141"></a><a name="z_Toc439895021"></a><a name="z_Ref56847813"></a><a name="z_Toc57572030"></a><a name="z_Toc58345107"></a><a name="z_Toc58587130"></a><a name="z_Ref400486201_1"></a><a name="z_Toc210425387"></a><a name="z_Toc212367730"></a><font style="font-family: 'Times New Roman';">6.13</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman';"><u>Corporate Governance</u></font><a name="z_Toc400468680"></a><a name="z_Toc400468803"></a><font style="font-family: 'Times New Roman';"><u>; Foundation</u></font></font>.<a name="z_Ref57909299"></a></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">Huntington shall take all appropriate
            action so that three (3) current directors of Cadence shall be appointed to the Board of Directors of Huntington (the &#8220;<font style="font-family: 'Times New Roman';"><u>Cadence Directors</u></font>&#8221;).&#160; Each of the Cadence Directors shall be
            designated by Huntington, it being agreed that one of such designated Cadence Directors shall be James D. Rollins III.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';">Following the Closing Date, Huntington
            shall maintain the Cadence Bank Foundation and shall dedicate any funds in the Cadence Bank Foundation at the Effective Time to supporting community development and reinvestment and civic and charitable activities within Cadence&#8217;s footprint as
            of the time immediately prior to the Effective Time.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc347943944"></a><a name="z_Toc347947766"></a><a name="z_Toc347947887"></a><a name="z_Toc347948007"></a><a name="z_Toc347943945"></a><a name="z_Toc347947767"></a><a name="z_Toc347947888"></a><a name="z_Toc347948008"></a><a name="z_Ref347359374"></a><a name="z_Ref347359392"></a><a name="z_Ref347359709"></a><a name="z_Ref347360061"></a><a name="z_Toc351893215"></a><a name="z_Toc352100438"></a><a name="z_Toc439886142"></a><a name="z_Toc439895022"></a><a name="z_Toc57572031"></a><a name="z_Toc58345108"></a><a name="z_Toc58587131"></a><a name="z_Toc210425388"></a><a name="z_Toc212367731"></a><font style="font-family: 'Times New Roman';">6.14</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Acquisition Proposals</u></font>.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-size: 10pt;"><a name="z_Ref347359328"></a><a name="z_Ref399696521"></a><font style="font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">Cadence shall
          not, and shall cause its Subsidiaries and shall use its reasonable best efforts to cause its and their officers, directors, agents, advisors and representatives (collectively, &#8220;<font style="font-family: 'Times New Roman';"><u>Representatives</u></font>&#8221;)




          not to, directly or indirectly, (i) initiate, solicit, knowingly encourage or knowingly facilitate any inquiries or proposals with respect to, (ii) engage or participate in any negotiations with any person concerning or (iii) provide any
          confidential or nonpublic information or data to, or have or participate in any discussions with, any person relating to, any Cadence Acquisition Proposal, except to notify a person that has made or, to the knowledge of Cadence, is making any
          inquiries with respect to, or is considering making, a Cadence Acquisition Proposal of the existence of the provisions of this Section 6.14(a); <font style="font-family: 'Times New Roman';"><u>provided</u>, that, prior to the receipt of the
            Requisite Cadence Vote, in the event Cadence receives an unsolicited </font><font style="font-family: 'Times New Roman'; font-style: italic;">bona fide</font><font style="font-family: 'Times New Roman';"> written Cadence Acquisition Proposal,
            it may, and may permit its Subsidiaries and its and its Subsidiaries&#8217; Representatives to, furnish or cause to be furnished nonpublic information or data and participate in such negotiations or discussions to the extent that its Board of
            Directors concludes in good faith (after receiving the advice of its outside counsel, and with respect to financial matters, its financial advisors) that failure to take such actions would be more likely than not to result in a violation of its
            fiduciary duties under applicable law; <u>provided</u>, <u>further</u>, that, prior to or concurrently with providing any nonpublic information permitted to be provided pursuant to the foregoing proviso, Cadence shall have provided such
            information to Huntington, and shall have entered into a confidentiality agreement with such third party on terms, in all material respects, no less favorable to it than the Confidentiality Agreement, </font>which confidentiality agreement
          shall not provide such person with any exclusive right to negotiate with Cadence<font style="font-family: 'Times New Roman';">.&#160; Cadence will, and will use its reasonable best efforts to cause its Representatives to, immediately cease and cause
            to be terminated any activities, discussions or negotiations conducted before the date of this Agreement with any person other than Huntington with respect to any Cadence Acquisition Proposal.&#160; Cadence will promptly (and in any event within one
            (1) business day) advise Huntington following receipt of any Cadence Acquisition Proposal, and the substance thereof (including the material terms and conditions of and the identity of the person making such inquiry or Cadence Acquisition
            Proposal) and will keep Huntington reasonably apprised of any related developments, discussions and negotiations on a current basis, including any amendments to or revisions of the material terms of such inquiry or Cadence Acquisition
            Proposal.&#160; Cadence shall use its reasonable best efforts, subject to applicable law and the fiduciary duties of the Board of Directors of Cadence, to enforce any existing confidentiality or standstill agreements to which it or any of its
            Subsidiaries is a party in accordance with the terms thereof.&#160; During the term of this Agreement, Cadence shall not, and shall cause its Subsidiaries and its and their Representatives not to on its behalf, </font>enter into any letter of
          intent, memorandum of understanding, agreement in principle, acquisition agreement, merger agreement or other similar agreement <font style="font-family: 'Times New Roman';">(other than a confidentiality agreement referred to and entered into in
            accordance with this Section 6.14(a)) relating to any Cadence Acquisition Proposal.&#160; As used in this Agreement, &#8220;<u>Cadence </u><u>Acquisition Proposal</u></font>&#8221; shall mean<font style="font-family: 'Times New Roman';">, other than the
            transactions contemplated by this Agreement, any offer, inquiry or proposal relating to, or any third party indication of interest in, (i) any acquisition or purchase, direct or indirect, of twenty-five percent (25%) or more of the consolidated
            assets of Cadence and its Subsidiaries or twenty-five percent (25%) or more of any class of equity or voting securities of Cadence or its Subsidiaries whose assets, individually or in the aggregate, constitute twenty-five percent (25%) or more
            of the consolidated assets of Cadence, (ii) any tender offer or exchange offer that, if consummated, would result in such third party beneficially owning twenty-five percent (25%) or more of any class of equity or voting securities of Cadence
            or its Subsidiaries whose assets, individually or in the aggregate, constitute twenty-five percent (25%) or more of the consolidated assets of Cadence, or (iii) a merger, consolidation, share exchange or other business combination,
            reorganization or similar transaction involving Cadence or its Subsidiaries whose assets, individually or in the aggregate, constitute twenty-five percent (25%) or more of the consolidated assets of Cadence.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-63-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman';">Nothing contained in this Agreement shall prevent either party or its Board of Directors from complying with Rule 14d-9 and Rule 14e-2 under the Exchange Act with respect to a Cadence Acquisition Proposal or Huntington Acquisition
              Proposal or from making any legally required disclosure to such party&#8217;s shareholders; <u>provided</u>, that such Rules and disclosures will in no way eliminate or modify the effect that any action pursuant to such Rules or any such
              disclosures would otherwise have under this Agreement.</font></font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Ref347359424"></a><a name="z_Toc351893216"></a><a name="z_Toc352100439"></a><a name="z_Toc439886143"></a><a name="z_Toc439895023"></a><a name="z_Toc57572032"></a><a name="z_Toc58345109"></a><a name="z_Toc58587132"></a><a name="z_Toc210425389"></a><a name="z_Toc212367732"></a><font style="font-family: 'Times New Roman';">6.15</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Public Announcements</u></font>.&#160; Cadence and the Huntington Parties shall each use their reasonable best efforts (a) to develop a joint communications plan, (b) to ensure that all press releases and other public statements with
        respect to the transactions contemplated hereby shall be consistent with such joint communications plan, and (c) except in respect of (i) any announcement required by applicable law or regulation, or a request by a Governmental Entity, (ii)
        communications that are substantially similar to communications previously approved pursuant to this Section 6.15, (iii) communications permitted by Section 6.3 or Section 6.4 or (iv) an obligation pursuant to any listing agreement with or rules of
        any securities exchange, Cadence and the Huntington Parties agree to consult with each other and to obtain the advance approval of the other party (which approval shall not be unreasonably withheld, conditioned or delayed) before issuing any press
        release or, to the extent practical, otherwise making any public statement with respect to this Agreement or the transactions contemplated hereby.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-64-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc352100440"></a><a name="z_Toc439886144"></a><a name="z_Toc439895024"></a><a name="z_Toc57572033"></a><a name="z_Toc58345110"></a><a name="z_Toc58587133"></a><a name="z_Toc210425390"></a><a name="z_Toc212367733"></a><a name="z_Toc351893217"></a><font style="font-family: 'Times New Roman';">6.16</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Change of Method</u></font>.&#160;




        The Huntington Parties may at any time change the method of effecting the Merger if and to the extent requested by the Huntington Parties, and Cadence agrees to enter into such amendments to this Agreement as the Huntington Parties may reasonably
        request in order to give effect to such restructuring; <font style="font-family: 'Times New Roman';"><u>provided</u></font>, <font style="font-family: 'Times New Roman';"><u>however</u></font>, that no such change or amendment shall (i) alter or
        change the amount or kind of the Merger Consideration provided for in this Agreement, (ii) adversely affect the Tax treatment of the Merger with respect to Cadence&#8217;s shareholders or (iii) be reasonably likely to cause the Closing to be materially
        delayed or the receipt of the Requisite Regulatory Approvals to be prevented or materially delayed.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Ref347935663"></a><a name="z_Toc351893218"></a><a name="z_Toc352100441"></a><a name="z_Toc439886146"></a><a name="z_Toc439895026"></a><a name="z_Toc57572034"></a><a name="z_Toc58345111"></a><a name="z_Toc58587134"></a><a name="z_Toc210425391"></a><a name="z_Toc212367734"></a><font style="font-family: 'Times New Roman';">6.17</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Restructuring Efforts</u></font>.&#160; If either Cadence or Huntington shall have failed to obtain the Requisite Cadence Vote or the Requisite Huntington Vote at the duly convened Cadence Meeting or Huntington Meeting, as applicable, or
        any adjournment or postponement thereof, each of the parties shall in good faith use its reasonable best efforts to negotiate a restructuring of the transactions contemplated by this Agreement (<font style="font-family: 'Times New Roman';"><u>provided</u></font>,
        <font style="font-family: 'Times New Roman';"><u>however</u></font>, that no party shall have any obligation to agree to (i) alter or change any material term of this Agreement, including the amount or kind of the Merger Consideration, in a manner
        adverse to such party or its shareholders or (ii) adversely affect the Tax treatment of the Merger with respect to such party or its shareholders) and/or resubmit this Agreement and the transactions contemplated hereby (or as restructured pursuant
        to this Section 6.17) to its shareholders for approval.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc351893219"></a><a name="z_Toc352100442"></a><a name="z_Toc439886147"></a><a name="z_Toc439895027"></a><a name="z_Toc57572035"></a><a name="z_Toc58345112"></a><a name="z_Toc58587135"></a><a name="z_Toc210425392"></a><a name="z_Toc212367735"></a><font style="font-family: 'Times New Roman';">6.18</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Takeover Restrictions</u></font>.&#160;




        Neither Cadence nor the Huntington Parties shall take any action that would cause any Takeover Restriction to become applicable to this Agreement, the Merger, or any of the other transactions contemplated hereby, and each of the Huntington Parties
        and Cadence shall take all necessary steps to exempt (or ensure the continued exemption of) the Merger and the other transactions contemplated hereby from any applicable Takeover Restriction now or hereafter in effect.&#160; If any Takeover Restriction
        may become, or may purport to be, applicable to the transactions contemplated hereby, each of the Huntington Parties and Cadence will grant such approvals and take such actions as are necessary so that the transactions contemplated by this
        Agreement may be consummated as promptly as practicable on the terms contemplated hereby and otherwise act to eliminate or minimize the effects of any Takeover Restriction on any of the transactions contemplated by this Agreement, including, if
        necessary, challenging the validity or applicability of any such Takeover Restriction.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc399762625"></a><a name="z_Toc399846878"></a><a name="z_Toc399848640"></a><a name="z_Ref352098895"></a><a name="z_Toc352100444"></a><a name="z_Toc439886148"></a><a name="z_Toc439895028"></a><a name="z_Toc57572036"></a><a name="z_Toc58345113"></a><a name="z_Toc58587136"></a><a name="z_Toc210425393"></a><a name="z_Toc212367736"></a><a name="z_Toc351893221"></a><font style="font-family: 'Times New Roman';">6.19</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Exemption from Liability Under Section 16(b)</u></font>.&#160; Cadence and Huntington agree that, in order to most effectively compensate and
        retain those officers and directors of Cadence subject to the reporting requirements of Section 16(a) of the Exchange Act (the &#8220;<font style="font-family: 'Times New Roman';"><u>Cadence Insiders</u></font>&#8221;), both prior to and after the Effective
        Time, it is desirable that Cadence Insiders not be subject to a risk of liability under Section 16(b) of the Exchange Act to the fullest extent permitted by applicable law in connection with the conversion of shares of Cadence Common Stock, Cadence
        Preferred Stock and Cadence Equity Awards in the Merger, and for that compensatory and retentive purpose agree to the provisions of this Section 6.19.&#160; The Boards of Directors of Huntington and of Cadence, or a committee of non-employee directors
        thereof (as such term is defined for purposes of Rule 16b-3(d) under the Exchange Act), shall prior to the Effective Time, take all such steps as may be necessary or appropriate to cause (x) in the case of Cadence, any dispositions of Cadence
        Common Stock, Cadence Preferred Stock or Cadence Equity Awards by Cadence Insiders and (y) in the case of Huntington, any acquisitions of Huntington Common Stock, New Huntington Preferred Stock (or depositary shares in respect thereof) or equity
        awards of Huntington into which the Cadence Equity awards are converted by any Cadence Insiders who, immediately following the Merger, will be officers or directors of Huntington subject to the reporting requirements of Section 16(a) of the
        Exchange Act, in each case pursuant to the transactions contemplated by this Agreement, to be exempt from liability pursuant to Rule 16b-3 under the Exchange Act to the fullest extent permitted by applicable law.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-65-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc439886149"></a><a name="z_Toc439895029"></a><a name="z_Toc57572037"></a><a name="z_Toc58345114"></a><a name="z_Toc58587137"></a><a name="z_Toc210425394"></a><a name="z_Toc212367737"></a><font style="font-family: 'Times New Roman';">6.20</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Litigation and Claims</u></font>.&#160; Each of the Huntington Parties and Cadence
        shall, to the extent permitted under applicable law and regulation, promptly notify the other party in writing of any <font style="font-family: 'Times New Roman';">action, arbitration, audit, hearing, investigation, litigation, suit, subpoena or
          summons issued, commenced, brought, conducted or heard by or before, or otherwise involving, any Governmental Entity or arbitrator </font>pending or, to the knowledge of the Huntington Parties or Cadence, as applicable, threatened against
        Huntington, Cadence or any of their respective Subsidiaries that (a) questions or would reasonably be expected to question the validity of this Agreement or the other agreements contemplated hereby or thereby or any actions taken or to be taken by
        the Huntington Parties, Cadence, or their respective Subsidiaries with respect hereto or thereto, or (b) seeks to enjoin or otherwise restrain the transactions contemplated hereby or thereby.&#160; Cadence shall give the Huntington Parties the
        opportunity to participate at its own expense in the defense or settlement of any shareholder litigation against Cadence and/or its directors or affiliates relating to the transactions contemplated by this Agreement, and no such settlement shall be
        agreed without the Huntington Parties&#8217;s prior written consent (such consent not to be unreasonably withheld, conditioned or delayed).</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc439886150"></a><a name="z_Toc439895030"></a><a name="z_Ref56583980"></a><a name="z_Toc57572038"></a><a name="z_Toc58345115"></a><a name="z_Toc58587138"></a><a name="z_Toc210425395"></a><a name="z_Toc212367738"></a><font style="font-family: 'Times New Roman';">6.21</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Assumption of Cadence Debt</u></font>.&#160; Effective
        at the Effective Time, Huntington or Huntington National Bank, as applicable, shall, to the extent permitted thereunder and required thereby, assume the due and punctual performance and observance of the covenants to be performed by Cadence
        pursuant to the definitive documents governing the short-term and long-term borrowings set forth on Section 6.21 of the Cadence Disclosure Schedule, and the due and punctual payment of the principal of such borrowings (and premium, if any) and
        interest thereon.&#160; In connection therewith, (i) Huntington and Cadence shall, and shall cause Huntington National Bank and Cadence respectively to, cooperate and execute and deliver any supplemental indentures, if applicable, and (ii) Cadence shall
        execute and deliver any officer&#8217;s certificates or other documents, and to provide any opinions of counsel to the trustee thereof, in each case, required to make such assumption effective as of the Effective Time or the effective time of the Merger,
        as applicable.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc280131500"></a><a name="z_Toc351893222"></a><a name="z_Toc352100445"></a><a name="z_Toc352100687"></a><a name="z_Toc352100805"></a><a name="z_Toc352163102"></a><a name="z_Toc352171191"></a><a name="z_Toc352618061"></a><a name="z_Toc352715325"></a><a name="z_Toc352715445"></a><a name="z_Toc352715808"></a><a name="z_Toc352719856"></a><a name="z_Toc352757164"></a><a name="z_Toc352834719"></a><a name="z_Toc399762628"></a><a name="z_Toc399846881"></a><a name="z_Toc399848643"></a><a name="z_Toc400453213"></a><a name="z_Toc400468688"></a><a name="z_Toc400468811"></a><a name="z_Toc400484741"></a><a name="z_Toc400487813"></a><a name="z_Toc400517718"></a><a name="z_Toc400620577"></a><a name="z_Toc400978621"></a><a name="z_Toc400978731"></a><a name="z_Toc401237930"></a><a name="z_Toc401238041"></a><a name="z_Toc401240767"></a><a name="z_Toc435480566"></a><a name="z_Toc435482685"></a><a name="z_Toc435552920"></a><a name="z_Toc435553034"></a><a name="z_Toc435554278"></a><a name="z_Toc437525481"></a><a name="z_Toc439886152"></a><a name="z_Toc439895032"></a><a name="z_Toc439929409"></a><a name="z_Toc439944081"></a><a name="z_Toc439944466"></a><a name="z_Toc439952031"></a><a name="z_Toc439953803"></a><a name="z_Toc439953917"></a><a name="z_Toc440302836"></a><a name="z_Toc440312771"></a><a name="z_Toc440317900"></a><a name="z_Toc440397798"></a><a name="z_Toc440463155"></a><a name="z_Toc440463403"></a><a name="z_Toc440466918"></a><a name="z_Toc440486255"></a><a name="z_Toc440496030"></a><a name="z_Toc440531067"></a><a name="z_Toc440555407"></a><a name="z_Toc440563434"></a><a name="z_Toc440563559"></a><a name="z_Toc440579447"></a><a name="z_Toc440579807"></a><a name="z_Toc440659501"></a><a name="z_Toc440665494"></a><a name="z_Toc440721264"></a><a name="z_Toc440733140"></a><a name="z_Toc440739911"></a><a name="z_Toc440812330"></a><a name="z_Toc440882127"></a><a name="z_Toc440903914"></a><a name="z_Toc440960608"></a><a name="z_Toc441161128"></a><a name="z_Toc441165472"></a><a name="z_Toc441178521"></a><a name="z_Toc441186150"></a><a name="z_Toc441232800"></a><a name="z_Toc441237129"></a><a name="z_Toc441238396"></a><a name="z_Toc441402196"></a><a name="z_Toc441409443"></a><a name="z_Toc441426334"></a><a name="z_Toc441434653"></a><a name="z_Toc441503976"></a><a name="z_Toc56590039"></a><a name="z_Toc56628861"></a><a name="z_Toc56634182"></a><a name="z_Toc56635790"></a><a name="z_Toc56637726"></a><a name="z_Toc56696122"></a><a name="z_Toc56697677"></a><a name="z_Toc56849330"></a><a name="z_Toc56974574"></a><a name="z_Toc57059116"></a><a name="z_Toc57139952"></a><a name="z_Toc57393335"></a><a name="z_Toc57453550"></a><a name="z_Toc57572039"></a><a name="z_Toc57758267"></a><a name="z_Toc57761967"></a><a name="z_Toc57798559"></a><a name="z_Toc57804366"></a><a name="z_Toc57805467"></a><a name="z_Toc57883247"></a><a name="z_Toc57900262"></a><a name="z_Toc58008463"></a><a name="z_Toc58225158"></a><a name="z_Toc58225276"></a><a name="z_Toc58345116"></a><a name="z_Toc58417537"></a><a name="z_Toc58434021"></a><a name="z_Toc58445727"></a><a name="z_Toc58663436"></a><a name="z_Toc58664321"></a><a name="z_Toc58667491"></a><a name="z_Toc58678055"></a><a name="z_Toc58678173"></a><a name="z_Toc58587021"></a><a name="z_Toc58587139"></a><a name="z_Toc58693889"></a><a name="z_Toc58694079"></a><a name="z_Toc58694817"></a><a name="z_Toc58694935"></a><a name="z_Toc58695053"></a><a name="z_Toc58697008"></a><a name="z_Toc58705022"></a><a name="z_Toc58705140"></a><a name="z_Toc58748305"></a><a name="z_Toc209307802"></a><a name="z_Toc209308094"></a><a name="z_Toc209308221"></a><a name="z_Toc209611946"></a><a name="z_Toc209772378"></a><a name="z_Toc210194444"></a><a name="z_Toc210332454"></a><a name="z_Toc210332576"></a><a name="z_Toc210424960"></a><a name="z_Toc210425396"></a><a name="z_Toc212367739"></a>ARTICLE VII</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Ref347357894"></a>CONDITIONS PRECEDENT</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc351893223"></a><a name="z_Toc352100446"></a><a name="z_Toc439886153"></a><a name="z_Toc439895033"></a><a name="z_Ref440460662"></a><a name="z_Ref440820162"></a><a name="z_Toc57572040"></a><a name="z_Toc58345117"></a><a name="z_Toc58587140"></a><a name="z_Ref210194467"></a><a name="z_Toc210425397"></a><a name="z_Toc212367740"></a><font style="font-family: 'Times New Roman';">7.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;




        <font style="font-family: 'Times New Roman';"><u>Conditions to Each Party&#8217;s Obligation to Effect the Merger</u></font>.&#160; The respective obligations of the parties to effect the Merger shall be subject to the satisfaction at or prior to the
        Effective Time of the following conditions:</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman';"><u>Shareholder Approval</u></font>.&#160; (i) This Agreement shall have been approved by the shareholders of Cadence by the Requisite Cadence Vote and (ii) the i<font style="font-family: 'Times New Roman';">ssuance of Huntington Common
              Stock in connection with the Merger </font>shall have been approved by the shareholders of Huntington by the Requisite Huntington Vote.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-66-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160; &#160; &#160; <font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman';"><u>Stock Exchange Listing</u></font>.&#160; The shares of Huntington Common Stock and New Huntington Preferred Stock (or depositary shares in respect thereof) that shall be issuable pursuant to this Agreement shall have been authorized
            for listing on the NASDAQ, in each case subject to official notice of issuance.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman';"><u>S-4</u></font>.&#160; The S-4 shall have become effective under the Securities Act and no stop order suspending the effectiveness of the S-4 shall have been issued and no proceedings for that purpose shall have been initiated or
            threatened by the SEC and not withdrawn.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman';"><u>No Injunctions or Restraints; Illegality</u></font>.&#160; No order, injunction or decree issued by any court or Governmental Entity of competent jurisdiction or other legal restraint or prohibition preventing the consummation of the
            Merger shall be in effect.&#160; No law, statute, rule, regulation, order, injunction or decree shall have been enacted, entered, promulgated or enforced by any Governmental Entity which prohibits or makes illegal consummation of the Merger.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-size: 10pt;"><a name="z_Ref57842545"></a><font style="font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman';"><u>Regulatory Approvals</u></font>.&#160; (i) All regulatory authorizations, consents, orders or approvals (x) from the OCC and (y) set forth in Sections 3.4 and 4.4 which are necessary to consummate the transactions contemplated by this
          Agreement, including the Merger or those the failure of which to be obtained would reasonably be likely to have, individually or in the aggregate, a Material Adverse Effect on Huntington or the Surviving Bank, shall have been obtained and shall
          remain in full force and effect and all statutory waiting periods in respect thereof shall have expired (such approvals and the expiration of such waiting periods being referred to herein as the &#8220;<font style="font-family: 'Times New Roman';"><u>Requisite




              Regulatory Approvals</u></font>&#8221;) and (ii) no such Requisite Regulatory Approval shall have resulted in the imposition of any Materially Burdensome Regulatory Condition.</font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Hlt401046563"></a><a name="z_Ref347359260"></a><a name="z_Ref347359605"></a><a name="z_Toc351893224"></a><a name="z_Toc352100447"></a><a name="z_Toc439886154"></a><a name="z_Toc439895034"></a><a name="z_Toc57572041"></a><a name="z_Toc58345118"></a><a name="z_Toc58587141"></a><a name="z_Ref210309699"></a><a name="z_Toc210425398"></a><a name="z_Toc212367741"></a><font style="font-family: 'Times New Roman';">7.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Conditions to Obligations of Huntington</u></font>.&#160; The obligation of Huntington and Huntington National Bank to effect the Merger is
        also subject to the satisfaction, or waiver by Huntington and Huntington National Bank, at or prior to the Effective Time, of the following conditions:</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman';"><u>Representations and Warranties</u></font>.&#160; The representations and warranties of Cadence set forth in (i) Sections 3.2(a) and 3.8(a) (in each case after giving effect to the lead-in to Article III) shall be true and correct
            (other than, in the case of Section 3.2(a), such failures to be true and correct as are <font style="font-family: 'Times New Roman'; font-style: italic;">de minimis</font>) in each case as of the date of this Agreement and as of the Closing
            Date as though made on and as of the Closing Date (except to the extent such representations and warranties speak as of an earlier date, in which case as of such earlier date), and (ii) Sections 3.1(a), 3.1(b), 3.2(c) and 3.3(a) (in each case,
            after giving effect to the lead-in to Article III) shall be true and correct in all material respects as of the date of this Agreement and as of the Closing Date as though made on and as of the Closing Date (except to the extent such
            representations and warranties speak as of an earlier date, in which case as of such earlier date).&#160; All other representations and warranties of Cadence set forth in this Agreement (read without giving effect to any qualification as to
            materiality or Material Adverse Effect set forth in such representations or warranties but, in each case, after giving effect to the lead-in to Article III) shall be true and correct in all respects as of the date of this Agreement and as of
            the Closing Date as though made on and as of the Closing Date (except to the extent such representations and warranties speak as of an earlier date, in which case as of such earlier date); <font style="font-family: 'Times New Roman';"><u>provided</u></font>,
            <font style="font-family: 'Times New Roman';"><u>however</u></font>, that for purposes of this sentence, such representations and warranties shall be deemed to be true and correct unless the failure or failures of such representations and
            warranties to be so true and correct, either individually or in the aggregate, and without giving effect to any qualification as to materiality or Material Adverse Effect set forth in such representations or warranties, has had or would
            reasonably be likely to have a Material Adverse Effect on Cadence or Huntington.&#160; Huntington shall have received a certificate signed on behalf of Cadence by the Chief Executive Officer or the Chief Financial Officer of Cadence to the foregoing
            effect.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-67-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman';"><u>Performance of Obligations of Cadence</u></font>.&#160; Cadence shall have performed in all material respects the obligations, covenants and agreements required to be performed by it under this Agreement at or prior to the Closing
            Date, and the Huntington Parties shall have received a certificate signed on behalf of Cadence by the Chief Executive Officer or the Chief Financial Officer of Cadence to such effect.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman';"><u>Federal Tax Opinion</u></font>.&#160; The Huntington Parties shall have received the opinion of Wachtell, Lipton, Rosen &amp; Katz (or another nationally recognized tax counsel, including, for the avoidance of doubt, Sullivan &amp;
            Cromwell LLP), in form and substance reasonably satisfactory to Huntington, dated as of the Closing Date, to the effect that, on the basis of facts, representations and assumptions set forth or referred to in such opinion, the Merger will
            qualify as a &#8220;reorganization&#8221; within the meaning of Section 368(a) of the Code (the &#8220;<font style="font-family: 'Times New Roman';"><u>Huntington Tax Opinion</u></font>&#8221;).&#160; In rendering such opinion, counsel may require and rely upon
            representations contained in certificates of officers of the Huntington Parties and Cadence reasonably satisfactory in form and substance to such counsel.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc399848646"></a><a name="z_Ref347359272"></a><a name="z_Ref347359633"></a><a name="z_Toc351893225"></a><a name="z_Toc352100448"></a><a name="z_Ref400978754"></a><a name="z_Toc439886155"></a><a name="z_Toc439895035"></a><a name="z_Ref440460699"></a><a name="z_Ref440820178"></a><a name="z_Toc57572042"></a><a name="z_Toc58345119"></a><a name="z_Toc58587142"></a><a name="z_Ref210194468"></a><a name="z_Toc210425399"></a><a name="z_Toc212367742"></a><font style="font-family: 'Times New Roman';">7.3</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Conditions to Obligations of Cadence</u></font>.&#160;




        The obligation of Cadence to effect the Merger is also subject to the satisfaction or waiver by Cadence at or prior to the Effective Time of the following conditions:</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman';"><u>Representations and Warranties</u></font>.&#160; The representations and warranties of the Huntington Parties set forth in (i) Sections 4.2(a) and 4.8(a) (in each case, after giving effect to the lead-in to Article IV) shall be true
            and correct (other than, in the case of Section 4.2(a), such failures to be true and correct as are <font style="font-family: 'Times New Roman'; font-style: italic;">de minimis</font>) in each case as of the date of this Agreement and as of
            the Closing Date as though made on and as of the Closing Date (except to the extent such representations and warranties speak as of an earlier date, in which case as of such earlier date), and (ii) Sections 4.1(a), 4.1(b) (with respect to
            Huntington National Bank only), 4.2(c) (with respect to Huntington National Bank only) and 4.3(a) (in each case, after giving effect to the lead-in to Article IV) shall be true and correct in all material respects as of the date of this
            Agreement and as of the Closing Date as though made on and as of the Closing Date (except to the extent such representations and warranties speak as of an earlier date, in which case as of such earlier date).&#160; All other representations and
            warranties of the Huntington Parties set forth in this Agreement (read without giving effect to any qualification as to materiality or Material Adverse Effect set forth in such representations or warranties but, in each case, after giving
            effect to the lead-in to Article IV) shall be true and correct in all respects as of the date of this Agreement and as of the Closing Date as though made on and as of the Closing Date (except to the extent such representations and warranties
            speak as of an earlier date, in which case as of such earlier date); <font style="font-family: 'Times New Roman';"><u>provided</u></font>, <font style="font-family: 'Times New Roman';"><u>however</u></font>, that for purposes of this
            sentence, such representations and warranties shall be deemed to be true and correct unless the failure or failures of such representations and warranties to be so true and correct, either individually or in the aggregate, and without giving
            effect to any qualification as to materiality or Material Adverse Effect set forth in such representations or warranties, has had or would reasonably be likely to have a Material Adverse Effect on the Huntington Parties.&#160; Cadence shall have
            received a certificate signed on behalf of Huntington by the Chief Executive Officer or the Chief Financial Officer of Huntington to the foregoing effect.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-68-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160; &#160; &#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman';"><u>Performance of Obligations of Huntington</u></font>.&#160; The Huntington Parties shall have performed in all material respects the obligations, covenants and agreements required to be performed by it under this Agreement at or prior
            to the Closing Date, and Cadence shall have received a certificate signed on behalf of Huntington by the Chief Executive Officer or the Chief Financial Officer of Huntington to such effect.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman';"><u>Federal Tax Opinion</u></font>.&#160; Cadence shall have received the opinion of Sullivan &amp; Cromwell LLP (or another nationally recognized tax counsel, including, for the avoidance of doubt, Wachtell, Lipton, Rosen &amp; Katz), in
            form and substance reasonably satisfactory to Cadence, dated as of the Closing Date, to the effect that, on the basis of facts, representations and assumptions set forth or referred to in such opinion, the Merger will qualify as a
            &#8220;reorganization&#8221; within the meaning of Section 368(a) of the Code (the &#8220;<font style="font-family: 'Times New Roman';"><u>Cadence Tax Opinion</u></font>&#8221;).&#160; In rendering such opinion, counsel may require and rely upon representations contained
            in certificates of officers of the Huntington Parties and Cadence reasonably satisfactory in form and substance to such counsel.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc351893226"></a><a name="z_Toc352100449"></a><a name="z_Toc352100691"></a><a name="z_Toc352100809"></a><a name="z_Toc352163106"></a><a name="z_Toc352171195"></a><a name="z_Toc352618065"></a><a name="z_Toc352715329"></a><a name="z_Toc352715449"></a><a name="z_Toc352715812"></a><a name="z_Toc352719860"></a><a name="z_Toc352757168"></a><a name="z_Toc352834723"></a><a name="z_Toc399762632"></a><a name="z_Toc399846885"></a><a name="z_Toc399848648"></a><a name="z_Toc400453217"></a><a name="z_Toc400468692"></a><a name="z_Toc400468815"></a><a name="z_Toc400484745"></a><a name="z_Toc400487817"></a><a name="z_Toc400517722"></a><a name="z_Toc400620581"></a><a name="z_Toc400978625"></a><a name="z_Toc400978735"></a><a name="z_Toc401237934"></a><a name="z_Toc401238045"></a><a name="z_Toc401240771"></a><a name="z_Toc435480570"></a><a name="z_Toc435482689"></a><a name="z_Toc435552924"></a><a name="z_Toc435553038"></a><a name="z_Toc435554282"></a><a name="z_Toc437525485"></a><a name="z_Toc439886156"></a><a name="z_Toc439895036"></a><a name="z_Toc439929414"></a><a name="z_Toc439944085"></a><a name="z_Toc439944470"></a><a name="z_Toc439952035"></a><a name="z_Toc439953807"></a><a name="z_Toc439953921"></a><a name="z_Toc440302840"></a><a name="z_Toc440312775"></a><a name="z_Toc440317904"></a><a name="z_Toc440397802"></a><a name="z_Toc440463159"></a><a name="z_Toc440463407"></a><a name="z_Toc440466922"></a><a name="z_Toc440486259"></a><a name="z_Toc440496034"></a><a name="z_Toc440531071"></a><a name="z_Toc440555411"></a><a name="z_Toc440563438"></a><a name="z_Toc440563563"></a><a name="z_Toc440579451"></a><a name="z_Toc440579811"></a><a name="z_Toc440659505"></a><a name="z_Toc440665498"></a><a name="z_Toc440721268"></a><a name="z_Toc440733144"></a><a name="z_Toc440739915"></a><a name="z_Toc440812334"></a><a name="z_Toc440882131"></a><a name="z_Toc440903918"></a><a name="z_Toc440960612"></a><a name="z_Toc441161132"></a><a name="z_Toc441165476"></a><a name="z_Toc441178525"></a><a name="z_Toc441186154"></a><a name="z_Toc441232804"></a><a name="z_Toc441237133"></a><a name="z_Toc441238400"></a><a name="z_Toc441402200"></a><a name="z_Toc441409447"></a><a name="z_Toc441426338"></a><a name="z_Toc441434657"></a><a name="z_Toc441503980"></a><a name="z_Toc56590043"></a><a name="z_Toc56628865"></a><a name="z_Toc56634186"></a><a name="z_Toc56635794"></a><a name="z_Toc56637730"></a><a name="z_Toc56696126"></a><a name="z_Toc56697681"></a><a name="z_Toc56849334"></a><a name="z_Toc56974578"></a><a name="z_Toc57059120"></a><a name="z_Toc57139956"></a><a name="z_Toc57393339"></a><a name="z_Toc57453554"></a><a name="z_Toc57572043"></a><a name="z_Toc57758271"></a><a name="z_Toc57761971"></a><a name="z_Toc57798563"></a><a name="z_Toc57804370"></a><a name="z_Toc57805471"></a><a name="z_Toc57883251"></a><a name="z_Toc57900266"></a><a name="z_Toc58008467"></a><a name="z_Toc58225162"></a><a name="z_Toc58225280"></a><a name="z_Toc58345120"></a><a name="z_Toc58417541"></a><a name="z_Toc58434025"></a><a name="z_Toc58445731"></a><a name="z_Toc58663440"></a><a name="z_Toc58664325"></a><a name="z_Toc58667495"></a><a name="z_Toc58678059"></a><a name="z_Toc58678177"></a><a name="z_Toc58587025"></a><a name="z_Toc58587143"></a><a name="z_Toc58693893"></a><a name="z_Toc58694083"></a><a name="z_Toc58694821"></a><a name="z_Toc58694939"></a><a name="z_Toc58695057"></a><a name="z_Toc58697012"></a><a name="z_Toc58705026"></a><a name="z_Toc58705144"></a><a name="z_Toc58748309"></a><a name="z_Toc209307806"></a><a name="z_Toc209308098"></a><a name="z_Toc209308225"></a><a name="z_Toc209611950"></a><a name="z_Toc209772382"></a><a name="z_Toc210194448"></a><a name="z_Toc210332458"></a><a name="z_Toc210332580"></a><a name="z_Toc210424964"></a><a name="z_Toc210425400"></a><a name="z_Toc212367743"></a>ARTICLE VIII</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;">TERMINATION AND AMENDMENT</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Ref347359303"></a><a name="z_Ref347359777"></a><a name="z_Toc351893227"></a><a name="z_Toc352100450"></a><a name="z_Toc439886157"></a><a name="z_Toc439895037"></a><a name="z_Toc57572044"></a><a name="z_Toc58345121"></a><a name="z_Toc58587144"></a><a name="z_Toc210425401"></a><a name="z_Toc212367744"></a><font style="font-family: 'Times New Roman';">8.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Termination</u></font>.&#160; This Agreement may be terminated at any time prior to the Effective Time, whether before or after receipt of the Requisite Cadence Vote or the Requisite Huntington Vote:</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">by mutual consent of the Huntington
            Parties and Cadence in a written instrument;</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">by either the Huntington Parties or
            Cadence if any Governmental Entity that must grant a Requisite Regulatory Approval has denied approval of the Merger and such denial has become final and nonappealable or any Governmental Entity of competent jurisdiction shall have issued a
            final nonappealable order, injunction or decree permanently enjoining or otherwise prohibiting or making illegal the consummation of the Merger, unless the failure to obtain a Requisite Regulatory Approval shall be due to the failure of the
            party seeking to terminate this Agreement to perform or observe the obligations, covenants and agreements of such party set forth herein;</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-69-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: left; text-indent: 72pt; font-size: 10pt;"><a name="z_Ref347359879"></a><font style="font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">by either the Huntington Parties or
          Cadence if the Merger shall not have been consummated on or before the first anniversary of the date of this Agreement (the &#8220;<font style="font-family: 'Times New Roman';"><u>Termination Date</u></font>&#8221;), unless the failure of the Closing to
          occur by such date shall be due to the failure of the party seeking to terminate this Agreement to perform or observe the obligations, covenants and agreements of such party set forth herein; <font style="font-family: 'Times New Roman';"><u>provided</u></font>,
          <font style="font-family: 'Times New Roman';"><u>however</u></font>, that if the conditions to the Closing set forth in Section 7.1(e) have not been satisfied or waived on or prior to such date but all other conditions to the Closing set forth in
          Article VII have been satisfied or waived (other than those conditions that by their nature can only be satisfied at the Closing (so long as such conditions are reasonably capable of being satisfied)), the Termination Date may be extended by
          either the Huntington Parties or Cadence to a date that is fifteen (15) months after the date of this Agreement, unless the failure of the Closing to occur by the Termination Date shall be due to the failure of the party seeking to extend the
          Termination Date to perform or observe the obligations, covenants and agreements of such party set forth herein, and such date, as so extended, shall be the &#8220;<font style="font-family: 'Times New Roman';"><u>Termination Date</u></font>&#8221;;</font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-size: 10pt;"><a name="z_Hlt401047597"></a><a name="z_Ref347359866"></a><a name="z_Ref210309275"></a><font style="font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">by either the Huntington Parties or Cadence (<font style="font-family: 'Times New Roman';"><u>provided</u></font>, that the terminating party is not then in material breach of any representation, warranty, obligation, covenant
          or other agreement contained herein) if there shall have been a breach of any of the obligations, covenants or agreements or any of the representations or warranties (or any such representation or warranty shall cease to be true) set forth in
          this Agreement on the part of Cadence, in the case of a termination by the Huntington Parties, or the Huntington Parties, in the case of a termination by Cadence, which breach or failure to be true, either individually or in the aggregate with
          all other breaches by such party (or failures of such representations or warranties to be true), would constitute, if occurring or continuing on the Closing Date, the failure of a condition set forth in Section 7.2, in the case of a termination
          by the Huntington Parties, or Section 7.3, in the case of a termination by Cadence, and which is not cured by the earlier of the Termination Date and 45 days following written notice to Cadence, in the case of a termination by the Huntington
          Parties, or the Huntington Parties, in the case of a termination by Cadence, or by its nature or timing cannot be cured during such period;</font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-size: 10pt;"><a name="z_Hlt401047506"></a><a name="z_Ref402388574"></a><a name="z_Ref347359896"></a><a name="z_Ref349207759"></a><a name="z_Ref352102701"></a><font style="font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">by the Huntington Parties, prior to such time as the Requisite Cadence Vote is obtained, if Cadence or the Board of Directors of Cadence (i) withholds, withdraws, modifies
          or qualifies in a manner adverse to the Huntington Parties the Cadence Board Recommendation, (ii) fails to make the Cadence Board Recommendation in the Joint Proxy Statement, (iii) adopts, approves, recommends or endorses a Cadence Acquisition
          Proposal or publicly announces an intention to adopt, approve, recommend or endorse a Cadence Acquisition Proposal, (iv) fails to publicly and without qualification (A) recommend against any Cadence Acquisition Proposal or (B) reaffirm the
          Cadence Board Recommendation, in each case within ten (10) business days (or such fewer number of days as remains prior to the Cadence Meeting) after a Cadence Acquisition Proposal is made public or any request by the Huntington Parties to do so,
          or (v) materially breaches its obligations under Section 6.3 or Section 6.14; or</font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-size: 10pt;"><a name="z_Ref56588094"></a><font style="font-family: 'Times New Roman';">(f)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">by Cadence, prior to such time as the
          Requisite Huntington Vote is obtained, if Huntington or the Board of Directors of Huntington (i) withholds, withdraws, modifies or qualifies in a manner adverse to Cadence the Huntington Board Recommendation, (ii) fails to make the Huntington
          Board Recommendation in the Joint Proxy Statement, (iii) adopts, approves, recommends or endorses a Huntington Acquisition Proposal or publicly announces an intention to adopt, approve, recommend or endorse a Huntington Acquisition Proposal, (iv)
          fails to publicly and without qualification (A) recommend against any Huntington Acquisition Proposal or (B) reaffirm the Huntington Board Recommendation, in each case within ten (10) business days (or such fewer number of days as remains prior
          to the Huntington Meeting) after a Huntington Acquisition Proposal is made public or any request by Cadence to do so or (v) materially breaches its obligations under Section 6.4.</font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-70-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">The party desiring to terminate this Agreement pursuant to clause (b), (c), (d), (e) or (f) of this Section 8.1 shall give written notice of such termination to the other
        party in accordance with Section 9.5, specifying the provision or provisions hereof pursuant to which such termination is effected.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc347943957"></a><a name="z_Toc347947779"></a><a name="z_Toc347947900"></a><a name="z_Toc347948019"></a><a name="z_Ref347359817"></a><a name="z_Ref347359980"></a><a name="z_Ref347360037"></a><a name="z_Toc351893228"></a><a name="z_Toc352100451"></a><a name="z_Toc439886158"></a><a name="z_Toc439895038"></a><a name="z_Toc57572045"></a><a name="z_Toc58345122"></a><a name="z_Toc58587145"></a><a name="z_Toc210425402"></a><a name="z_Toc212367745"></a><font style="font-family: 'Times New Roman';">8.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Effect of Termination</u></font>.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">In the event of termination of this
            Agreement by either the Huntington Parties or Cadence as provided in Section 8.1, this Agreement shall forthwith become void and have no effect, and none of Huntington, Cadence, any of their respective Subsidiaries or any of the officers or
            directors of any of them shall have any liability of any nature whatsoever hereunder, or in connection with the transactions contemplated hereby, except that (i) Section 6.2(b) and this Section 8.2 and Article IX (other than Section 9.13) shall
            survive any termination of this Agreement, and (ii) notwithstanding anything to the contrary contained in this Agreement, neither the Huntington Parties nor Cadence shall be relieved or released from any liabilities or damages arising out of
            its fraud or Willful Breach of any provision of this Agreement occurring prior to termination (which, in the case of Cadence, shall include the loss to the holders of its capital stock and of Cadence Equity Awards of the economic benefits of
            the Merger (including the loss of premium offered to the shareholders of Cadence), it being understood that Cadence shall be entitled to pursue damages for such losses and to enforce the right to recover such losses on behalf of its
            shareholders and the holders of Cadence Equity Awards in its sole and absolute discretion, and any amounts received by Cadence in connection therewith may be retained by Cadence).&#160; &#8220;<font style="font-family: 'Times New Roman';"><u>Willful
                Breach</u></font>&#8221; shall mean a material breach of, or material failure to perform any of the covenants or other agreements contained in this Agreement, that is a consequence of an act or failure to act by the breaching or non-performing
            party with actual knowledge that such party&#8217;s act or failure to act would, or would reasonably be expected to, result in or constitute such breach of or such failure of performance under this Agreement.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-size: 10pt;"><a name="z_Ref439874000"></a><a name="z_Ref347359993"></a><font style="font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman';">(i)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;In the event that after the date of this Agreement and prior to the termination of this Agreement, a <font style="font-family: 'Times New Roman'; font-style: italic;">bona fide </font>Cadence




          Acquisition Proposal shall have been communicated to or otherwise made known to the Board of Directors or senior management of Cadence or shall have been made directly to its shareholders generally or any person shall have publicly announced (and
          not withdrawn at least two (2) business days prior to the Cadence Meeting) a Cadence Acquisition Proposal with respect to Cadence and (A) (x) thereafter this Agreement is terminated by either the Huntington Parties or Cadence pursuant to Section
          8.1(c) without the Requisite Cadence Vote having been obtained (and all other conditions set forth in Sections 7.1 and 7.3 had been satisfied or were capable of being satisfied prior to such termination) or (y) thereafter this Agreement is
          terminated by the Huntington Parties pursuant to Section 8.1(d) as the result of a Willful Breach, and (B) prior to the date that is twelve (12) months after the date of such termination, Cadence enters into a definitive agreement or consummates
          a transaction with respect to a Cadence Acquisition Proposal (whether or not the same Cadence Acquisition Proposal as that referred to above), then Cadence shall, on the earlier of the date it enters into such definitive agreement and the date of
          consummation of such transaction, pay Huntington, by wire transfer of same day funds, a fee equal to $296,000,000 (the &#8220;<font style="font-family: 'Times New Roman';"><u>Termination Fee</u></font>&#8221;); <font style="font-family: 'Times New Roman';"><u>provided</u></font>,
          that for purposes of this Section 8.2(b)(i), all references in the definition of Cadence Acquisition Proposal to &#8220;25%&#8221; shall instead refer to &#8220;50%&#8221;.</font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-71-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: left; text-indent: 108pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(ii)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';">In the event that this Agreement is
            terminated by the Huntington Parties pursuant to Section 8.1(e), then Cadence shall pay Huntington, by wire transfer of same day funds, the Termination Fee as promptly as reasonably practicable after the date of termination (and in any event,
            within three (3) business days thereafter).</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-size: 10pt;"><a name="z_Ref57844365"></a><font style="font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman';">(i)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<a name="z_Ref56588201"></a>In the event that after the date of this Agreement and prior to the termination of this Agreement, a <font style="font-family: 'Times New Roman'; font-style: italic;">bona fide </font>Huntington




          Acquisition Proposal shall have been communicated to or otherwise made known to the Board of Directors or senior management of Huntington or shall have been made directly to its shareholders generally or any person shall have publicly announced
          (and not withdrawn at least two (2) business days prior to the Huntington Meeting) a Huntington Acquisition Proposal with respect to Huntington and (A) (x) thereafter this Agreement is terminated by either Cadence or the Huntington Parties
          pursuant to Section 8.1(c) without the Requisite Huntington Vote having been obtained (and all other conditions set forth in Sections 7.1 and 7.2 had been satisfied or were capable of being satisfied prior to such termination) or (y) thereafter
          this Agreement is terminated by Cadence pursuant to Section 8.1(d) as a result of a Willful Breach, and (B) prior to the date that is twelve (12) months after the date of such termination, Huntington enters into a definitive agreement or
          consummates a transaction with respect to a Huntington Acquisition Proposal (whether or not the same Huntington Acquisition Proposal as that referred to above), then Huntington shall, on the earlier of the date it enters into such definitive
          agreement and the date of consummation of such transaction, pay Cadence, by wire transfer of same day funds, a fee equal to the Termination Fee; <font style="font-family: 'Times New Roman';"><u>provided</u></font>, that for purposes of this
          Section 8.2(c)(i), all references in the definition of Huntington Acquisition Proposal to &#8220;25%&#8221; shall instead refer to &#8220;50%&#8221;.</font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; margin-left: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(ii)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';">In the event that
            this Agreement is terminated by Cadence pursuant to Section 8.1(f), then Huntington shall pay Cadence, by wire transfer of same day funds, the Termination Fee as promptly as reasonably practicable after the date of termination (and in any
            event, within three (3) business days thereafter).</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; margin-left: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(iii)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman';">As used in this Agreement, &#8220;<u>Huntington </u><u>Acquisition Proposal</u></font>&#8221; shall mean<font style="font-family: 'Times New Roman';">, other than the transactions contemplated by this Agreement,
              any offer, inquiry or proposal relating to, or any third party indication of interest in, (i) any acquisition or purchase, direct or indirect, of 25% or more of the consolidated assets of Huntington and its Subsidiaries or 25% or more of any
              class of equity or voting securities of Huntington or its Subsidiaries </font>whose<font style="font-family: 'Times New Roman';"> assets, individually or in the aggregate, constitute 25% or more of the consolidated assets of Huntington, (ii)
              any tender offer or exchange offer that, if consummated, would result in such third party beneficially owning 25% or more of any class of equity or voting securities of Huntington or its Subsidiaries whose assets, individually or in the
              aggregate, constitute 25% or more of the consolidated assets of Huntington, or (iii) a merger, consolidation, share exchange or other business combination, reorganization or similar transaction involving Huntington or its Subsidiaries whose
              assets, individually or in the aggregate, constitute 25% or more of the consolidated assets of Huntington.</font></font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-72-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';">Notwithstanding anything to the contrary
            herein, but without limiting Section 8.2(e) or the right of any party to recover liabilities or damages arising out of the other party&#8217;s fraud or Willful Breach of any provision of this Agreement, the maximum aggregate amount of fees,
            liabilities or damages payable by Cadence or the Huntington Parties under this Section 8.2 shall be equal to the Termination Fee.&#160; In no event shall Cadence or the Huntington Parties be required to pay the Termination Fee on more than one
            occasion.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-size: 10pt;"><a name="z_Ref400487288"></a><a name="z_Ref56588534"></a><font style="font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">Each of the
          Huntington Parties and Cadence acknowledge that the agreements contained in this Section 8.2 are an integral part of the transactions contemplated by this Agreement, and that, without these agreements, the other party would not enter into this
          Agreement; accordingly, if either party fails promptly to pay the amount due pursuant to this Section 8.2, and, in order to obtain such payment, the other party commences a suit which results in a judgment against the non-paying party for the
          Termination Fee or any portion thereof, such non-paying party shall pay the costs and expenses of the other party (including reasonable attorneys&#8217; fees and expenses) in connection with such suit.&#160; In addition, if Cadence or the Huntington
          Parties, as the case may be, fails to pay the amounts payable pursuant to this Section 8.2, then such party shall pay interest on such overdue amounts (for the period commencing as of the date that such overdue amount was originally required to
          be paid and ending on the date that such overdue amount is actually paid in full) at a rate per annum equal to the &#8220;prime rate&#8221; (as announced by JPMorgan Chase &amp; Co. or any successor thereto) in effect on the date on which such payment was
          required to be made for the period commencing as of the date that such overdue amount was originally required to be paid.&#160; The amounts payable by Cadence and the Huntington Parties pursuant to Section 8.2(b) and Section 8.2(c), respectively, and
          this Section 8.2(e), constitute liquidated damages and not a penalty, and, except in the case of fraud or Willful Breach, shall be the sole monetary remedy of the other party in the event of a termination of this Agreement specified in such
          applicable section.</font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc439929418"></a><a name="z_Toc439929420"></a><a name="z_Toc351893231"></a><a name="z_Toc352100454"></a><a name="z_Toc352100696"></a><a name="z_Toc352100814"></a><a name="z_Toc352163111"></a><a name="z_Toc352171200"></a><a name="z_Toc352618070"></a><a name="z_Toc352715334"></a><a name="z_Toc352715454"></a><a name="z_Toc352715817"></a><a name="z_Toc352719865"></a><a name="z_Toc352757173"></a><a name="z_Toc352834728"></a><a name="z_Toc399762637"></a><a name="z_Toc399846890"></a><a name="z_Toc399848653"></a><a name="z_Toc400453222"></a><a name="z_Toc400468697"></a><a name="z_Toc400468820"></a><a name="z_Toc400484750"></a><a name="z_Toc400487822"></a><a name="z_Toc400517727"></a><a name="z_Toc400620586"></a><a name="z_Toc400978630"></a><a name="z_Toc400978740"></a><a name="z_Toc401237939"></a><a name="z_Toc401238050"></a><a name="z_Toc401240776"></a><a name="z_Toc435480575"></a><a name="z_Toc435482694"></a><a name="z_Toc435552929"></a><a name="z_Toc435553043"></a><a name="z_Toc435554287"></a><a name="z_Toc437525490"></a><a name="z_Toc439886161"></a><a name="z_Toc439895041"></a><a name="z_Toc439929422"></a><a name="z_Toc439944088"></a><a name="z_Toc439944473"></a><a name="z_Toc439952038"></a><a name="z_Toc439953810"></a><a name="z_Toc439953924"></a><a name="z_Toc440302843"></a><a name="z_Toc440312778"></a><a name="z_Toc440317907"></a><a name="z_Toc440397805"></a><a name="z_Toc440463162"></a><a name="z_Toc440463410"></a><a name="z_Toc440466925"></a><a name="z_Toc440486262"></a><a name="z_Toc440496037"></a><a name="z_Toc440531074"></a><a name="z_Toc440555414"></a><a name="z_Toc440563441"></a><a name="z_Toc440563566"></a><a name="z_Toc440579454"></a><a name="z_Toc440579814"></a><a name="z_Toc440659508"></a><a name="z_Toc440665501"></a><a name="z_Toc440721271"></a><a name="z_Toc440733147"></a><a name="z_Toc440739918"></a><a name="z_Toc440812337"></a><a name="z_Toc440882134"></a><a name="z_Toc440903921"></a><a name="z_Toc440960615"></a><a name="z_Toc441161135"></a><a name="z_Toc441165479"></a><a name="z_Toc441178528"></a><a name="z_Toc441186157"></a><a name="z_Toc441232807"></a><a name="z_Toc441237136"></a><a name="z_Toc441238403"></a><a name="z_Toc441402203"></a><a name="z_Toc441409450"></a><a name="z_Toc441426341"></a><a name="z_Toc441434660"></a><a name="z_Toc441503983"></a><a name="z_Toc56590046"></a><a name="z_Toc56628868"></a><a name="z_Toc56634189"></a><a name="z_Toc56635797"></a><a name="z_Toc56637733"></a><a name="z_Toc56696129"></a><a name="z_Toc56697684"></a><a name="z_Toc56849337"></a><a name="z_Toc56974581"></a><a name="z_Toc57059123"></a><a name="z_Toc57139959"></a><a name="z_Toc57393342"></a><a name="z_Toc57453557"></a><a name="z_Toc57572046"></a><a name="z_Toc57758274"></a><a name="z_Toc57761974"></a><a name="z_Toc57798566"></a><a name="z_Toc57804373"></a><a name="z_Toc57805474"></a><a name="z_Toc57883254"></a><a name="z_Toc57900269"></a><a name="z_Toc58008470"></a><a name="z_Toc58225165"></a><a name="z_Toc58225283"></a><a name="z_Toc58345123"></a><a name="z_Toc58417544"></a><a name="z_Toc58434028"></a><a name="z_Toc58445734"></a><a name="z_Toc58663443"></a><a name="z_Toc58664328"></a><a name="z_Toc58667498"></a><a name="z_Toc58678062"></a><a name="z_Toc58678180"></a><a name="z_Toc58587028"></a><a name="z_Toc58587146"></a><a name="z_Toc58693896"></a><a name="z_Toc58694086"></a><a name="z_Toc58694824"></a><a name="z_Toc58694942"></a><a name="z_Toc58695060"></a><a name="z_Toc58697015"></a><a name="z_Toc58705029"></a><a name="z_Toc58705147"></a><a name="z_Toc58748312"></a><a name="z_Toc209307809"></a><a name="z_Toc209308101"></a><a name="z_Toc209308228"></a><a name="z_Toc209611953"></a><a name="z_Toc209772385"></a><a name="z_Toc210194451"></a><a name="z_Toc210332461"></a><a name="z_Toc210332583"></a><a name="z_Toc210424967"></a><a name="z_Toc210425403"></a><a name="z_Toc212367746"></a>ARTICLE IX</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Ref347357963"></a>GENERAL PROVISIONS</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc439929423"></a><a name="z_Toc351893233"></a><a name="z_Toc352100456"></a><a name="z_Toc439886163"></a><a name="z_Toc439895043"></a><a name="z_Toc57572047"></a><a name="z_Toc58345124"></a><a name="z_Toc58587147"></a><a name="z_Toc210425404"></a><a name="z_Toc212367747"></a><font style="font-family: 'Times New Roman';">9.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Nonsurvival of Representations, Warranties and Agreements</u>. </font>None of the representations, warranties, covenants and agreements in this Agreement or in any instrument delivered pursuant to this Agreement (other than the
        Confidentiality Agreement, which shall survive in accordance with its terms) shall survive the Effective Time, except for Section 6.9 and for those other covenants and agreements contained herein and therein which by their terms apply or are to be
        performed in whole or in part after the Effective Time.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc439895044"></a><a name="z_Toc57572048"></a><a name="z_Toc58345125"></a><a name="z_Toc58587148"></a><a name="z_Toc210425405"></a><a name="z_Toc212367748"></a><font style="font-family: 'Times New Roman';">9.2</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Amendment</u></font>.&#160; Subject to compliance with applicable law, this Agreement may be amended by the
        parties hereto at any time before or after the receipt of the Requisite Cadence Vote or the Requisite Huntington Vote; <font style="font-family: 'Times New Roman';"><u>provided</u></font>, <font style="font-family: 'Times New Roman';"><u>however</u></font>,
        that after the receipt of the Requisite Cadence Vote or the Requisite Huntington Vote, there may not be, without further approval of such shareholders of Cadence or Huntington, as applicable, any amendment of this Agreement that requires such
        further approval under applicable law.&#160; This Agreement may not be amended, modified or supplemented in any manner, whether by course of conduct or otherwise, except by an instrument in writing signed on behalf of each of the parties.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-73-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt;"><a name="z_Toc439895045"></a><a name="z_Toc57572049"></a><a name="z_Toc58345126"></a><a name="z_Toc58587149"></a><a name="z_Toc210425406"></a><a name="z_Toc212367749"></a><font style="font-family: 'Times New Roman';">9.3</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Extension; Waiver</u></font>.&#160; At any time prior to the Effective Time,
          the parties hereto may, to the extent legally allowed, (a) extend the time for the performance of any of the obligations or other acts of the other party hereto, (b) waive any inaccuracies in the representations and warranties of the other party
          contained herein or in any document delivered by the other party pursuant hereto, and (c) waive compliance with any of the agreements or satisfaction of any conditions for its benefit contained herein; <font style="font-family: 'Times New Roman';"><u>provided</u></font>, <font style="font-family: 'Times New Roman';"><u>however</u></font>, that after the receipt of the Requisite Cadence Vote or the Requisite Huntington Vote, there may not be, without further approval of such
          shareholders of Cadence or Huntington, as applicable, any ex</font>tension or waiver of this Agreement or any portion thereof that requires such further approval under applicable law.&#160; Any agreement on the part of a party hereto to any such
        extension or waiver shall be valid only if set forth in a written instrument signed on behalf of such party, but such extension or waiver or failure to insist on strict compliance with an obligation, covenant, agreement or condition shall not
        operate as a waiver of, or estoppel with respect to, any subsequent or other failure.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc351893234"></a><a name="z_Toc352100457"></a><a name="z_Toc439886164"></a><a name="z_Toc439895046"></a><a name="z_Toc57572050"></a><a name="z_Toc58345127"></a><a name="z_Toc58587150"></a><a name="z_Toc210425407"></a><a name="z_Toc212367750"></a><font style="font-family: 'Times New Roman';">9.4</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Expenses</u></font>.&#160;





        Except (a) with respect to costs and expenses of printing and mailing the Joint Proxy Statement and all filing and other fees paid to the SEC and any other Governmental Entity in connection with the Merger and the other transactions contemplated
        hereby, which shall be borne equally by the Huntington Parties and Cadence, and (b) as otherwise expressly provided in this Agreement, including in Section 8.2, all fees and expenses incurred in connection with this Agreement and the transactions
        contemplated hereby shall be paid by the party incurring such fees or expenses, whether or not the Merger is consummated.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Ref347360158"></a><a name="z_Ref347360161"></a><a name="z_Toc351893235"></a><a name="z_Toc352100458"></a><a name="z_Toc439886165"></a><a name="z_Toc439895047"></a><a name="z_Toc57572051"></a><a name="z_Toc58345128"></a><a name="z_Toc58587151"></a><a name="z_Toc210425408"></a><a name="z_Toc212367751"></a><font style="font-family: 'Times New Roman';">9.5</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Notices</u></font>.&#160; <font style="font-family: 'Times New Roman';">All notices, requests, claims, demands and other communications under this Agreement shall be in writing and shall be deemed to have
          been given (a) when delivered by hand (with written confirmation of receipt), (b) when received by the addressee if sent by a nationally recognized overnight courier (receipt requested), (c) on the date sent by e-mail if sent during normal
          business hours of the recipient, and on the next business day if sent after normal business hours of the recipient, provided that no &#8220;error&#8221; message or other notification of non-delivery is generated, or (d) on the third day after the date
          mailed, by certified or registered mail, return receipt requested, postage prepaid.&#160; Such communications must be sent to the respective parties at the following addresses (or at such other address for a party as shall be specified by like notice)</font>:</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 36pt; margin-left: 72pt; font-family: 'Times New Roman'; font-size: 10pt;">if to Cadence, to:</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; margin-left: 108pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_cp_text_2_202"></a>Cadence Bank</div>
      <div style="text-align: left; margin-left: 108pt; font-family: 'Times New Roman'; font-size: 10pt;">One Mississippi Plaza</div>
      <div style="text-align: left; margin-left: 108pt; font-family: 'Times New Roman'; font-size: 10pt;">201 South Spring Street</div>
      <div style="text-align: left; margin-left: 108pt; font-family: 'Times New Roman'; font-size: 10pt;">Tupelo, Mississippi 38804</div>
      <div>
        <table cellspacing="0" cellpadding="0" class="DSPFListTable" id="z15c016e80c22481cb3d532729090cdde" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%;">

            <tr style="vertical-align: top;">
              <td style="width: 108pt;">
                <div><br>
                </div>
              </td>
              <td style="text-align: right; vertical-align: top; width: 72pt;">
                <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Attention:</font></div>
              </td>
              <td style="text-align: left; vertical-align: top; width: auto;">
                <div style="text-align: left;"><font style="font-size: 10pt;"><font style="font-family: 'Times New Roman';">Dan Rollins</font></font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" class="DSPFListTable" id="za75f99bc02e74c23852d5ba976be0367" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%;">

            <tr style="vertical-align: top;">
              <td style="width: 108pt;">&#160;</td>
              <td style="text-align: right; vertical-align: top; width: 72pt;">
                <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';">E-mail:</font></div>
              </td>
              <td style="text-align: left; vertical-align: top; width: auto;">
                <div style="text-align: left;"><font style="font-size: 10pt;"><font style="font-family: 'Times New Roman';">[***]</font></font></div>
              </td>
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        </table>
      </div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; margin-left: 108pt; font-family: 'Times New Roman'; font-size: 10pt; font-style: italic;">With copies <a name="z_cp_text_1_212"></a>(which shall not constitute notice) to:</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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      </div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 108pt;"><a name="z_cp_text_1_213"></a>Cadence Bank</div>
      <div style="text-align: left; margin-left: 108pt; font-family: 'Times New Roman'; font-size: 10pt;">1333 West Loop South, Suite 1800</div>
      <div style="text-align: left; margin-left: 108pt; font-family: 'Times New Roman'; font-size: 10pt;">Houston, Texas 77027</div>
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            <tr style="vertical-align: top;">
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              <td style="text-align: right; vertical-align: top; width: 72pt;">
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              </td>
              <td style="text-align: left; vertical-align: top; width: auto;">
                <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Shanna Kuzdzal</div>
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            </tr>

        </table>
      </div>
      <div>
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            <tr style="vertical-align: top;">
              <td style="width: 108pt;">&#160;</td>
              <td style="text-align: right; vertical-align: top; width: 72pt;"> <br>
              </td>
              <td style="text-align: left; vertical-align: top; width: auto;">
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              </td>
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        </table>
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      <div style="font-size: 10pt;"><br>
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      <div style="text-align: left; margin-left: 108pt; font-family: 'Times New Roman'; font-size: 10pt;">Sullivan &amp; Cromwell LLP</div>
      <div style="text-align: left; margin-left: 108pt; font-family: 'Times New Roman'; font-size: 10pt;">125 Broad Street</div>
      <div style="text-align: left; margin-left: 108pt; font-family: 'Times New Roman'; font-size: 10pt;">New York, NY&#160; 10004</div>
      <div>
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            <tr style="vertical-align: top;">
              <td style="width: 108pt;">&#160;</td>
              <td style="text-align: right; vertical-align: top; width: 72pt;">
                <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Attention:</font></div>
              </td>
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                <div style="text-align: left;"><font style="font-size: 10pt;"><font style="font-family: 'Times New Roman';">H. Rodgin Cohen and Mitchell S. Eitel</font></font></div>
              </td>
            </tr>

        </table>
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            <tr style="vertical-align: top;">
              <td style="width: 108pt;">&#160;</td>
              <td style="text-align: right; vertical-align: top; width: 72pt;">
                <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';">E-mail:</font></div>
              </td>
              <td style="text-align: left; vertical-align: top; width: auto;">
                <div style="text-align: left;">[***]</div>
              </td>
            </tr>

        </table>
      </div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">and</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 36pt; margin-left: 72pt; font-family: 'Times New Roman'; font-size: 10pt;">if to Huntington or Huntington National Bank, to:</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; margin-left: 108pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_cp_text_1_178"></a>Huntington Bancshares Incorporated</div>
      <div style="text-align: left; margin-left: 108pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_cp_text_1_179"></a>41 South High Street</div>
      <div style="text-align: left; margin-left: 108pt; font-family: 'Times New Roman'; font-size: 10pt;">Columbus, OH 43287</div>
      <div>
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            <tr style="vertical-align: top;">
              <td style="width: 108pt;">&#160;</td>
              <td style="text-align: right; vertical-align: top; width: 72pt;">
                <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Attention:</font></div>
              </td>
              <td style="text-align: left; vertical-align: top; width: auto;">
                <div style="text-align: left;"><font style="font-size: 10pt;"><font style="font-family: 'Times New Roman';">Marcy C. Hingst, General Counsel</font></font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
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            <tr style="vertical-align: top;">
              <td style="width: 108pt;">&#160;</td>
              <td style="text-align: right; vertical-align: top; width: 72pt;">
                <div style="text-align: left; font-size: 10pt;"><font style="font-family: 'Times New Roman';">E-mail:</font></div>
              </td>
              <td style="text-align: left; vertical-align: top; width: auto;">
                <div style="text-align: left; font-size: 10pt;"><font style="font-family: 'Times New Roman';">[***]</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; font-size: 10pt; margin-left: 108pt;"><font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman'; font-style: italic;">With a copy </font><a name="z_cp_text_1_189"></a><font style="font-family: 'Times New Roman'; font-style: italic;">(which shall not constitute notice) to:</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; margin-left: 108pt; font-family: 'Times New Roman'; font-size: 10pt;">Wachtell, Lipton, Rosen &amp; Katz</div>
      <div style="text-align: left; margin-left: 108pt; font-family: 'Times New Roman'; font-size: 10pt;">51 W. 52nd Street</div>
      <div style="text-align: left; margin-left: 108pt; font-family: 'Times New Roman'; font-size: 10pt;">New York, <a name="z_cp_text_1_191"></a>NY&#160; 10019</div>
      <div>
        <table cellspacing="0" cellpadding="0" class="DSPFListTable" id="z72a138b4a7964e99a1d4eef09425fe38" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%;">

            <tr style="vertical-align: top;">
              <td style="width: 108pt;">&#160;</td>
              <td style="text-align: right; vertical-align: top; width: 72pt;">
                <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Attention:</font></div>
              </td>
              <td style="text-align: left; vertical-align: top; width: auto;">
                <div style="text-align: left;"><font style="font-size: 10pt;"><font style="font-family: 'Times New Roman';">Edward D. Herlihy, Nicholas G. Demmo and</font></font></div>
                <div style="text-align: left;">Brandon C. Price<font style="font-size: 10pt;"><font style="font-family: 'Times New Roman';"> </font></font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" class="DSPFListTable" id="z08c658af38324474b9d5c6b9297c1ad2" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%;">

            <tr style="vertical-align: top;">
              <td style="width: 108pt;">&#160;</td>
              <td style="text-align: right; vertical-align: top; width: 72pt; font-size: 10pt;">
                <div style="text-align: left;"><font style="font-family: 'Times New Roman';">E-mail:</font></div>
              </td>
              <td style="text-align: left; vertical-align: top; width: auto;">[***]</td>
            </tr>

        </table>
      </div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-75-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 12pt;"><font style="font-size: 10pt;"><a name="z_Toc439929430"></a><a name="z_Toc439929432"></a><a name="z_Toc439929433"></a><a name="z_Ref347360136"></a><a name="z_Toc351893236"></a><a name="z_Toc352100459"></a><a name="z_Toc439886168"></a><a name="z_Toc439895050"></a><a name="z_Toc57572052"></a><a name="z_Toc58345129"></a><a name="z_Toc58587152"></a><a name="z_Toc210425409"></a><a name="z_Toc212367752"></a><font style="font-family: 'Times New Roman';">9.6</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Interpretation</u>.&#160; </font><font style="font-size: 10pt;">The parties have participated jointly in
            negotiating and drafting this Agreement.&#160; In the event that an ambiguity or a question of intent or interpretation arises, this Agreement shall be construed as if drafted jointly by the parties, and no presumption or burden of proof shall arise
            favoring or disfavoring any party by virtue of the authorship of any provision of this Agreement.&#160; </font><font style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">When a reference is made in this Agreement to Articles,
              Sections, Exhibits or Schedules, such reference shall be to an Article or Section of or Exhibit or Schedule to this Agreement unless otherwise indicated.&#160; The table of contents and headings contained in this Agreement are for reference
              purposes only and shall not affect in a</font>ny way the meaning or interpretation of this Agreement.&#160; Whenever the words &#8220;include,&#8221; &#8220;includes&#8221; or &#8220;including&#8221; are used in this Agreement, they shall be deemed to be followed by the words
            &#8220;without limitation.&#8221;&#160; The word &#8220;or&#8221; shall not be exclusive.&#160; </font>References to &#8220;the date hereof&#8221; shall mean the date of this Agreement.&#160; As used in this Agreement, the &#8220;<font style="font-family: 'Times New Roman';"><u>knowledge</u></font>&#8221;
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          actual knowledge of any of<a name="PB_85_085454_2983"></a> the officers of the Huntington Parties listed on Section 9.6 of the Huntington Disclosure Schedule.&#160; As used herein, (a) &#8220;<font style="font-family: 'Times New Roman';"><u>business day</u></font>&#8221;
          means any day other than a Saturday, a Sunday or a day on which banks in New York, New York, Columbus, Ohio or Tupelo, Mississippi are authorized by law or executive order to be closed, (b) the term &#8220;<font style="font-family: 'Times New Roman';"><u>person</u></font>&#8221;
          means any individual, corporation (including not&#8209;for&#8209;profit), general or limited partnership, limited liability company, joint venture, estate, trust, association, organization, Governmental Entity or other entity of any kind or nature, (c) an &#8220;<font style="font-family: 'Times New Roman';"><u>affiliate</u></font>&#8221; of a specified person is any person that directly or indirectly controls, is controlled by, or is under common control with, such specified person, (d) the term &#8220;<font style="font-family: 'Times New Roman';"><u>made available</u></font>&#8221; means any document or other information that was (i) provided by one party or its representatives to the other party and its representatives prior to the date hereof, (ii)
          included in the virtual data room of a party prior to the date hereof, (iii) filed by Huntington with the SEC and publicly available on EDGAR prior to the date hereof or (iv) filed by Cadence with the FDIC or the Federal Reserve and publicly
          available prior to the date hereof and (e) references to a party&#8217;s shareholders shall mean, in the case of Huntington, its shareholders.&#160; <font style="font-family: 'Times New Roman';">The Cadence Disclosure Schedule and the Huntington Disclosure
            Schedule, as well as all other schedules and all exhibits hereto, shall be deemed part of this Agreement and included in any reference to this Agreement.&#160; All references to &#8220;dollars&#8221; or &#8220;$&#8221; in this Agreement are to United States dollars.&#160; This
            Agreement shall not be interpreted or construed to require any person to take any action, or fail to take any action, if to do so would violate any applicable law.</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Ref57758290"></a><a name="z_Toc58345130"></a><a name="z_Toc58587153"></a><a name="z_Toc210425410"></a><a name="z_Toc212367753"></a><font style="font-family: 'Times New Roman';">9.7</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Confidential Supervisory Information</u></font>.&#160; <font style="font-family: 'Times New Roman';">No disclosure, representation or
          warranty shall be made (or any other action taken) pursuant to this Agreement that would involve the disclosure of confidential supervisory information (including confidential supervisory information as defined in 12 C.F.R. &#167; 261.2(b) and as
          identified in 12 C.F.R. &#167; 4.32(b)) of a Governmental Entity by any party hereto to the extent prohibited by applicable law, and, to the extent legally permissible, appropriate substitute disclosures or actions shall be made or taken under
          circumstances in which the limitations of this sentence apply.</font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc351893237"></a><a name="z_Toc352100460"></a><a name="z_Toc439886169"></a><a name="z_Toc439895051"></a><a name="z_Ref57756216"></a><a name="z_Toc57572053"></a><a name="z_Toc58345131"></a><a name="z_Toc58587154"></a><a name="z_Toc210425411"></a><a name="z_Toc212367754"></a><font style="font-family: 'Times New Roman';">9.8</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Counterparts</u></font>.&#160; This Agreement may be executed in counterparts (including by electronic means), all of which shall be considered one and the same agreement and shall become effective when counterparts have been signed by
        each of the parties and delivered to the other parties, it being understood that all parties need not sign the same counterpart.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc351893238"></a><a name="z_Toc352100461"></a><a name="z_Toc439886170"></a><a name="z_Toc439895052"></a><a name="z_Toc57572054"></a><a name="z_Toc58345132"></a><a name="z_Toc58587155"></a><a name="z_Toc210425412"></a><a name="z_Toc212367755"></a><font style="font-family: 'Times New Roman';">9.9</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Entire Agreement</u></font>.&#160;




        This Agreement (including the documents and the instruments referred to herein) together with the Confidentiality Agreement constitutes the entire agreement among the parties and supersedes all prior agreements and understandings, both written and
        oral, among the parties with respect to the subject matter hereof.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-size: 10pt;"><a name="z_Toc57572055"></a><a name="z_Toc58345133"></a><a name="z_Toc58587156"></a><a name="z_Toc210425413"></a><a name="z_Toc212367756"></a><font style="font-family: 'Times New Roman';">9.10</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Governing Law; Jurisdiction.</u></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman';">This Agreement shall be governed by and
            construed in accordance with the laws of the State of Delaware, without regard to any applicable conflicts of law principles (except that matters relating to the fiduciary duties of the Board of Directors of Cadence shall be subject to the laws
            of the State of Mississippi and matters relating to the fiduciary duties of the Board of Directors of Huntington shall be subject to the laws of the State of Maryland).</font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-76-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: left; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160; &#160; &#160; <font style="font-family: 'Times New Roman';">Each party agrees that it will bring
            any action or proceeding in respect of any claim arising out of or related to this Agreement or the transactions contemplated hereby exclusively in the Delaware Court of Chancery and any state appellate court therefrom within the State of
            Delaware or, if the Delaware Court of Chancery declines to accept jurisdiction over a particular matter, any federal or state court of competent jurisdiction located in the State of Delaware (the &#8220;<font style="font-family: 'Times New Roman';"><u>Chosen




                Courts</u></font>&#8221;), and, solely in connection with claims arising under this Agreement or the transactions that are the subject of this Agreement, (i) irrevocably submits to the exclusive jurisdiction of the Chosen Courts, (ii) waives any
            objection to laying venue in any such action or proceeding in the Chosen Courts, (iii) waives any objection that the Chosen Courts are an inconvenient forum or do no<font style="font-size: 10pt;">t have jurisdiction over any party and (iv)
              agrees that service of process upon such party in any such action or proceeding will be effective if notice is given in accordance with Section 9.5.</font></font></font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 12pt;"><font style="font-size: 10pt;"><a name="z_Ref347370071"></a><a name="z_Toc351893240"></a><a name="z_Toc352100463"></a><a name="z_Toc439886172"></a><a name="z_Toc439895054"></a><a name="z_Toc57572056"></a><a name="z_Toc58345134"></a><a name="z_Toc58587157"></a><a name="z_Toc210425414"></a><a name="z_Toc212367757"></a><font style="font-family: 'Times New Roman';">9.11</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Waiver of Jury Trial</u>.&#160; </font><font style="font-size: 10pt;"><a name="z_Toc339472349"></a><a name="z_Toc339472542"></a><a name="z_Toc339472734"></a><a name="z_Toc339472926"></a><a name="z_Toc339473118"></a>EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY
            WAIVES, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY RIGHT SUCH PARTY MAY HAVE TO A TRIAL BY JURY IN RESPECT OF ANY SUIT, ACTION OR OTHER PROCEEDING DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE
            TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT.&#160; EACH PARTY CERTIFIES AND ACKNOWLEDGES THAT:&#160; (I) NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR OTHERWISE, THAT SUCH OTHER PARTY WOULD NO</font>T, IN THE EVENT
          OF ANY SUIT, ACTION OR OTHER PROCEEDING, SEEK TO ENFORCE THE FOREGOING WAIVER, (II) EACH PARTY UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (III) EACH PARTY MAKES THIS WAIVER VOLUNTARILY, AND (IV) EACH PARTY HAS BEEN INDUCED TO
          ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS SECTION 9.11.</font></div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Ref347359188"></a><a name="z_Toc351893241"></a><a name="z_Toc352100464"></a><a name="z_Toc439886173"></a><a name="z_Toc439895055"></a><a name="z_Toc57572057"></a><a name="z_Toc58345135"></a><a name="z_Toc58587158"></a><a name="z_Toc210425415"></a><a name="z_Toc212367758"></a><font style="font-family: 'Times New Roman';">9.12</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Assignment; Third-Party Beneficiaries</u></font>.&#160; Neither this Agreement nor any of the rights, interests or obligations hereunder shall be assigned by any of the parties hereto (whether by operation of law or otherwise) without the
        prior written consent of the other party.&#160; Any purported assignment in contravention hereof shall be null and void.&#160; Subject to the preceding sentence, this Agreement will be binding upon, inure to the benefit of and be enforceable by the parties
        and their respective successors and assigns.&#160; Except as otherwise specifically provided in Section 6.9, which is intended to benefit each Cadence Indemnified Party and his or her heirs and representatives, this Agreement (including the documents
        and instruments referred to herein) is not intended to and does not confer upon any person other than the parties hereto any rights or remedies hereunder, including the right to rely upon the representations and warranties set forth herein.&#160; The
        representations and warranties in this Agreement are the product of negotiations among the parties hereto and are for the sole benefit of the parties.&#160; Any inaccuracies in such representations and warranties are subject to waiver by the parties
        hereto in accordance herewith without notice or liability to any other person.&#160; In some instances, the representations and warranties in this Agreement may represent an allocation among the parties hereto of risks associated with particular matters
        regardless of the knowledge of any of the parties hereto.&#160; Consequently, persons other than the parties may not rely upon the representations and warranties in this Agreement as characterizations of actual facts or circumstances as of the date of
        this Agreement or as of any other date.&#160; Except as provided in Section 6.9, notwithstanding any other provision in this Agreement to the contrary, no consent, approval or agreement of any third-party beneficiary will be required to amend, modify or
        waive any provision of this Agreement.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-77-</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc351893242"></a><a name="z_Toc352100465"></a><a name="z_Toc439886174"></a><a name="z_Toc439895056"></a><a name="z_Ref57843374"></a><a name="z_Toc57572058"></a><a name="z_Toc58345136"></a><a name="z_Toc58587159"></a><a name="z_Toc210425416"></a><a name="z_Toc212367759"></a><font style="font-family: 'Times New Roman';">9.13</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Specific Performance</u></font>.&#160; The parties hereto agree that irreparable damage would occur if any provision of this Agreement were not performed in accordance with its specific terms or were otherwise breached.&#160; Accordingly, the
        parties shall be entitled to specific performance of the terms of this Agreement, including an injunction or injunctions to prevent breaches of this Agreement or to enforce specifically the performance of the terms and provisions hereof (including
        the parties&#8217; obligation to consummate the Merger), in addition to any other remedy to which they are entitled at law or in equity.&#160; Each of the parties hereby further waives (a) any defense in any action for specific performance that a remedy at
        law would be adequate and (b) any requirement under any law to post security or a bond as a prerequisite to obtaining equitable relief.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc352100466"></a><a name="z_Toc439886175"></a><a name="z_Toc439895057"></a><a name="z_Toc57572059"></a><a name="z_Toc58345137"></a><a name="z_Toc58587160"></a><a name="z_Toc210425417"></a><a name="z_Toc212367760"></a><a name="z_Toc351893243"></a><font style="font-family: 'Times New Roman';">9.14</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Severability</u></font>.&#160;





        Whenever possible, each provision or portion of any provision of this Agreement shall be interpreted in such manner as to be effective and valid under applicable law, but if any provision or portion of any provision of this Agreement is held to be
        invalid, illegal or unenforceable in any respect under any applicable law or rule in any jurisdiction, such invalidity, illegality or unenforceability shall not affect any other provision or portion of any provision in such jurisdiction, and this
        Agreement shall be reformed, construed and enforced in such jurisdiction such that the invalid, illegal or unenforceable provision or portion thereof shall be interpreted to be only so broad as is enforceable.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; text-indent: 72pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc351893244"></a><a name="z_Toc352100467"></a><a name="z_Toc439886176"></a><a name="z_Toc439895058"></a><a name="z_Toc57572060"></a><a name="z_Toc58345138"></a><a name="z_Toc58587161"></a><a name="z_Toc210425418"></a><a name="z_Toc212367761"></a><font style="font-family: 'Times New Roman';">9.15</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><u>Delivery by
            Electronic Transmission</u></font>.&#160; This Agreement and any signed agreement or instrument entered into in connection with this Agreement, and any amendments or waivers hereto or thereto, to the extent signed and delivered by e&#8209;mail delivery of
        a &#8220;.pdf&#8221; format data file, shall be treated in all manner and respects as an original agreement or instrument and shall be considered to have the same binding legal effect as if it were the original signed version thereof delivered in person.&#160; No
        party hereto or to any such agreement or instrument shall raise the use of e&#8209;mail delivery of a &#8220;.pdf&#8221; format data file to deliver a signature to this Agreement or any amendment hereto or the fact that any signature or agreement or instrument was
        transmitted or communicated through e&#8209;mail delivery of a &#8220;.pdf&#8221; format data file as a defense to the formation of a contract and each party hereto forever waives any such defense.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-style: italic;">[Signature Pages Follow]</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-style: italic;"> <font style="font-size: 10pt;"><br>
        </font></div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman'; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">-78-</font></div>
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed by their respective officers thereunto duly authorized as of the date first above
        written.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="font-size: 10pt;">
        <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="zeba67d8bf3d14c5e832a5dc86a05e4ce">

            <tr>
              <td style="width: 50%; vertical-align: top; font-size: 10pt;">&#160;</td>
              <td colspan="3" style="vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-weight: bold;">HUNTINGTON BANCSHARES INCORPORATED</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" style="width: 50%; vertical-align: top; font-size: 10pt;">&#160;</td>
              <td rowspan="1" colspan="3" style="vertical-align: top; font-size: 10pt;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 50%; vertical-align: top; font-size: 10pt;">&#160;</td>
              <td style="width: 6%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">By:</div>
              </td>
              <td colspan="2" style="vertical-align: top; border-bottom: 2px solid black; font-size: 10pt;">
                <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">/s/ Stephen D. Steinour</div>
              </td>
            </tr>
            <tr>
              <td style="width: 50%; vertical-align: top; font-size: 10pt;">&#160;</td>
              <td style="width: 6%; vertical-align: top; font-size: 10pt;">&#160;</td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">Name:</div>
              </td>
              <td style="width: 39%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">Stephen D. Steinour</div>
              </td>
            </tr>
            <tr>
              <td style="width: 50%; vertical-align: top; font-size: 10pt;">&#160;</td>
              <td style="width: 6%; vertical-align: top; font-size: 10pt;">&#160;</td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">Title:</div>
              </td>
              <td style="width: 39%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">Chairman, President and Chief Executive Officer</div>
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            </tr>

        </table>
        <div style="font-size: 10pt;"><br>
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            <tr>
              <td style="width: 50%; vertical-align: top; font-size: 10pt;">&#160;</td>
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                <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">THE HUNTINGTON NATIONAL BANK</div>
              </td>
            </tr>
            <tr>
              <td rowspan="1" style="width: 50%; vertical-align: top; font-size: 10pt;">&#160;</td>
              <td rowspan="1" colspan="3" style="vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 50%; vertical-align: top; font-size: 10pt;">&#160;</td>
              <td style="width: 6%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">By:</div>
              </td>
              <td colspan="2" style="vertical-align: top; border-bottom: 2px solid black; font-size: 10pt;">
                <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">/s/ Stephen D. Steinour</div>
              </td>
            </tr>
            <tr>
              <td style="width: 50%; vertical-align: top; font-size: 10pt;">&#160;</td>
              <td style="width: 6%; vertical-align: top; font-size: 10pt;">&#160;</td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">Name:</div>
              </td>
              <td style="width: 39%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">Stephen D. Steinour</div>
              </td>
            </tr>
            <tr>
              <td style="width: 50%; vertical-align: top; font-size: 10pt;">&#160;</td>
              <td style="width: 6%; vertical-align: top; font-size: 10pt;">&#160;</td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">Title:</div>
              </td>
              <td style="width: 39%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">President and Chief Executive Officer</div>
              </td>
            </tr>

        </table>
        <div> <br>
        </div>
        <div>
          <div>
            <div style="text-align: center; font-family: 'Times New Roman'; font-size: 8pt;">[<font style="font-family: 'Times New Roman'; font-style: italic;">Signature Page to Agreement and Plan of Merger</font>]</div>
          </div>
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="page-break-after: always;" class="BRPFPageBreak">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z8bd8e6704ce54936bfd53353cec63f4d">

            <tr>
              <td style="width: 50%; vertical-align: top; font-size: 10pt;">&#160;</td>
              <td colspan="3" style="vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">CADENCE BANK</div>
              </td>
            </tr>
            <tr>
              <td style="width: 50%; vertical-align: top; font-size: 10pt;" rowspan="1">&#160;</td>
              <td colspan="3" style="vertical-align: top; font-size: 10pt;" rowspan="1">&#160;</td>
            </tr>
            <tr>
              <td style="width: 50%; vertical-align: top; font-size: 10pt;">&#160;</td>
              <td style="width: 6%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">By:</div>
              </td>
              <td colspan="2" style="vertical-align: top; border-bottom: 2px solid black; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">/s/ James D. Rollins III</div>
              </td>
            </tr>
            <tr>
              <td style="width: 50%; vertical-align: top; font-size: 10pt;">&#160;</td>
              <td style="width: 6%; vertical-align: top; font-size: 10pt;">&#160;</td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">Name:</div>
              </td>
              <td style="width: 39%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">James D. Rollins III</div>
              </td>
            </tr>
            <tr>
              <td style="width: 50%; vertical-align: top; font-size: 10pt;">&#160;</td>
              <td style="width: 6%; vertical-align: top; font-size: 10pt;">&#160;</td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">Title:</div>
              </td>
              <td style="width: 39%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">Chairman &amp; CEO</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div>
          <div style="text-align: center; font-family: 'Times New Roman'; font-size: 8pt;">[<font style="font-family: 'Times New Roman'; font-style: italic;">Signature Page to Agreement and Plan of Merger</font>]</div>
        </div>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
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      <!--PROfilePageNumberReset%Num%1%%%-->
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><u>EXHIBIT A</u></div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><u>FORM OF ARTICLES SUPPLEMENTARY</u></div>
      <div style="font-size: 10pt;">
        <div>
          <div><br>
            <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
              <div style="width: 100%;" class="BRPFPageFooter">
                <div style="font-weight: normal; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: normal; font-variant: normal; text-transform: none; text-align: center;">Exh.A-<font style="font-family: 'Times New Roman'; font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">1</font></div>
              </div>
              <div style="page-break-after: always;" class="BRPFPageBreak">
                <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
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            <!--PROfilePageNumberReset%Num%2%%%-->
            <div style="text-align: center; font-weight: bold;">
              <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">FORM OF ARTICLES SUPPLEMENTARY</div>
              <div>&#160;</div>
            </div>
            <div style="text-align: center; font-weight: bold;">DESIGNATING THE RIGHTS AND PREFERENCES</div>
            <div>&#160;</div>
            <div style="text-align: center; font-weight: bold;">OF</div>
            <div>&#160;</div>
            <div style="text-align: center; font-weight: bold;">5.50% SERIES [L] NON-CUMULATIVE PERPETUAL PREFERRED STOCK,</div>
            <div style="text-align: center; font-weight: bold;">PAR VALUE $0.01 PER SHARE</div>
            <div>&#160;</div>
            <div style="text-align: center; font-weight: bold;">OF</div>
            <div>&#160;</div>
            <div style="text-align: center; font-weight: bold;">HUNTINGTON BANCSHARES INCORPORATED</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 36pt;">HUNTINGTON BANCSHARES INCORPORATED, a Maryland corporation (hereinafter called the &#8220;<font style="font-weight: bold;">Corporation</font>&#8221;), hereby certifies to the State Department of
              Assessments and Taxation of Maryland that:</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 36pt;">FIRST: Under a power contained in Article Fifth of the charter of the Corporation (the &#8220;<font style="font-weight: bold;">Charter</font>&#8221;), the board of directors of the Corporation (the &#8220;<font style="font-weight: bold;">Board of Directors</font>&#8221;) [and a duly authorized committee thereof (the &#8220;<font style="font-weight: bold;">Committee</font>&#8221;)], by duly adopted resolutions, classified and designated 6,900 shares of the
              authorized but unissued serial preferred stock of the Corporation, par value $0.01 per share (the &#8220;<font style="font-weight: bold;">Preferred Stock</font>&#8221;), as 5.50% Series [L] Non-Cumulative Perpetual Preferred Stock, par value $0.01 per
              share, with the following preferences and rights, voting powers, restrictions, limitations as to dividends and other distributions, qualifications and terms and conditions of redemption, which, upon any restatement of the Charter, shall
              become part of Article Fifth of the Charter, with any necessary or appropriate renumbering or relettering of the sections or subsections hereof.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 72pt;"><font style="color: rgb(0, 0, 0);">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Designation</u>.&#160; The designation of the Preferred Stock shall be &#8220;5.50% Series [L] Non-Cumulative Perpetual Preferred Stock&#8221; (the &#8220;<font style="font-weight: bold;">Series [L] Preferred Stock</font>&#8221;).&#160; With respect to payment of dividends and rights upon the Corporation&#8217;s liquidation, dissolution or winding up, the Series [L]&#160; Preferred Stock shall rank (i) senior to the
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              equally with the Corporation&#8217;s Floating Rate Series B Non-Cumulative Perpetual Preferred Stock, par value $0.01 per share and liquidation value per share of $1,000, 5.625% Series F Non-Cumulative Perpetual Preferred Stock, par value $0.01 per
              share and liquidation value per share of $100,000, 4.450% Series G Non-Cumulative Perpetual Preferred Stock, par value $0.01 per share and liquidation value per share of $100,000, 4.500% Series H Non-Cumulative Perpetual Preferred Stock, par
              value $0.01 per share and liquidation value per share of $1,000, 5.70% Series I Non-Cumulative Perpetual Preferred Stock, par value $0.01 per share and liquidation value per share of $25,000, 6.875% Series J Non-Cumulative Perpetual Preferred
              Stock, par value $0.01 per share and liquidation value per shares of $1,000, 6.250% Series K Non-Cumulative Perpetual Preferred Stock, par value $0.01 per share and liquidation value per share of $100,000 and any future class or series of the
              Preferred Stock that does not by its terms rank junior or senior to the Series [L] Preferred Stock, and (iii) junior to all existing and future indebtedness and other liabilities of the Corporation and any class or series of the Preferred
              Stock that expressly provides in the articles supplementary creating such class or series of the Preferred Stock that it ranks senior to the Series [L] Preferred Stock (subject to any requisite consents prior to issuance).</div>
            <div>&#160;</div>
            <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
              <div style="width: 100%;" class="BRPFPageFooter">
                <div style="font-weight: normal; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: normal; font-variant: normal; text-transform: none; text-align: center;">Exh.A-<font style="font-family: 'Times New Roman'; font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">2</font></div>
              </div>
              <div class="BRPFPageBreak" style="page-break-after: always;">
                <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
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            <!--PROfilePageNumberReset%Num%2%-%-%-->
            <div style="text-align: justify; text-indent: 72pt;"><font style="color: rgb(1, 0, 0);">(b)</font>&#160;&#160;&#160;&#160; &#160;&#160; <u>Number of Shares</u>.&#160; The number of authorized shares of Series [L] Preferred Stock shall be 6,900, which number may, from time to
              time, be increased (but not in excess of the total number of authorized shares of the Preferred Stock) or decreased (but not below the number of shares of Series [L] Preferred Stock then outstanding) by further resolution duly adopted by the
              Board of Directors (or a duly authorized committee thereof).&#160; The Corporation may, from time to time, and without notice to, consent of or additional action by holders of shares of the Series [L] Preferred Stock, issue additional shares of
              Series [L] Preferred Stock; <u>provided</u> that if the additional shares are not fungible for U.S. federal income tax purposes with the initial shares of such series, the additional shares shall be issued under a separate CUSIP number.&#160; The
              additional shares would form a single series together with all previously issued shares of Series [L] Preferred Stock.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 72pt;"><font style="color: rgb(1, 0, 0);">(c)</font>&#160;&#160;&#160;&#160; &#160; &#160;&#160; <u>Definitions</u>.&#160; As used herein with respect to Series [L] Preferred Stock:</div>
            <div>&#160;</div>
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              York that is not a day on which banking institutions in such city are authorized or required by applicable law, regulation, or executive order to be closed.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(ii)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8220;<font style="font-weight: bold;">Dividend Payment Dates</font>&#8221;<font style="font-weight: bold;">&#160;</font>shall have the meaning set
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            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(iii)</font>&#160;&#160;&#160;&#160;&#160;&#160; &#8220;<font style="font-weight: bold;">Dividend Period</font>&#8221;<font style="font-weight: bold;">&#160;</font>shall mean the period from, and
              including, each Dividend Payment Date to, but excluding, the next succeeding Dividend Payment Date except for the initial Dividend Period which shall be the period from, and including, [&#9679;]<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> to, but excluding, the next succeeding Dividend Payment Date.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(iv)</font>&#160; &#160;&#160;&#160;&#160; &#8220;<font style="font-weight: bold;">Junior Stock</font>&#8221;<font style="font-weight: bold;">&#160;</font>shall mean the Common Stock and any other
              class or series of the Corporation&#8217;s capital stock over which the Series [L] Preferred Stock has preference or priority in the payment of dividends and rights on the liquidation, dissolution or winding up of the Corporation.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(v)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#8220;<font style="font-weight: bold;">Liquidation Preference</font>&#8221;<font style="font-weight: bold;">&#160;</font>shall mean $25,000.00 per
              share of Series [L] Preferred Stock.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(vi)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8220;<font style="font-weight: bold;">Nonpayment</font>&#8221;<font style="font-weight: bold;">&#160;</font>shall have the meaning set forth in <u>Section





                (g)(ii)</u> hereof.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(vii)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8220;<font style="font-weight: bold;">Optional Redemption</font>&#8221;<font style="font-weight: bold;">&#160;</font>shall have the meaning set forth
              in <u>Section (f)(i)</u> hereof.</div>
            <div>&#160;</div>
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            <div><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> To be the most recent Dividend Payment Date prior to closing (subject to adjustment if the closing occurs between a record date and Dividend Payment Date).</div>
            <div> <br>
            </div>
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                <div style="font-weight: normal; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: normal; font-variant: normal; text-transform: none; text-align: center;">Exh.A-<font style="font-family: 'Times New Roman'; font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">3</font></div>
              </div>
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            </div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(viii)</font>&#160;&#160;&#160;&#160;&#160; &#8220;<font style="font-weight: bold;">Parity Stock</font>&#8221;<font style="font-weight: bold;">&#160;</font>shall mean any class or series of the
              Corporation<font style="font-weight: bold;">&#8217;</font>s capital stock that ranks on parity with the Series [L] Preferred Stock in the payment of dividends and rights on the liquidation, dissolution or winding up of the Corporation.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(ix)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8220;<font style="font-weight: bold;">Preferred Stock Directors</font>&#8221;<font style="font-weight: bold;">&#160;</font>shall have the meaning set
              forth in <u>Section (g)(ii)</u> hereof.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(x)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#8220;<font style="font-weight: bold;">Redemption Price</font>&#8221;<font style="font-weight: bold;">&#160;</font>shall have the meaning set forth in
              <u>Section (f)(iii)</u> hereof.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(xi)</font>&#160;&#160;&#160;&#160;&#160; &#8220;<font style="font-weight: bold;">Regulatory Capital Treatment Event</font>&#8221;<font style="font-weight: bold;">&#160;</font>shall mean a good
              faith determination by the Board of Directors that, as a result of any (A) amendment to, clarification of, or change (including any announced prospective change) in, the laws or regulations of the United States or any political subdivision of
              or in the United States that is enacted or becomes effective after the initial issuance of the Series [L] Preferred Stock; (B) proposed change in those laws or regulations that is announced or becomes effective after the initial issuance of
              the Series [L] Preferred Stock; or (C) official administrative decision or judicial decision or administrative action or other official pronouncement interpreting or applying those laws or regulations that is announced or becomes effective
              after the initial issuance of the Series [L] Preferred Stock, there is more than an insubstantial risk that the Corporation shall not be entitled to treat the full liquidation value of the Series [L] Preferred Stock then outstanding as &#8220;Tier
              1 Capital&#8221;<font style="font-weight: bold;">&#160;</font>(or its equivalent) for purposes of the capital adequacy laws or regulations of the Federal Deposit Insurance Corporation (or, as and if applicable, the capital adequacy laws or regulations
              of any successor appropriate federal banking agency), as then in effect and applicable, for as long as any share of Series [L] Preferred Stock is outstanding.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(xii)</font>&#160;&#160;&#160; &#160; &#160; &#8220;<font style="font-weight: bold;">Regulatory Event Redemption</font>&#8221;<font style="font-weight: bold;">&#160;</font>shall have the meaning
              set forth in <u>Section f(ii)</u> hereof.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(xiii)</font>&#160;&#160;&#160;&#160;&#160;&#160; &#8220;<font style="font-weight: bold;">Series [L] Preferred Stock</font>&#8221;<font style="font-weight: bold;">&#160;</font>shall have the meaning set
              forth in <u>Section (a)</u> hereof.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(xiv)</font>&#160;&#160;&#160;&#160;&#160;&#160; &#8220;<font style="font-weight: bold;">Voting Parity Stock</font>&#8221;<font style="font-weight: bold;">&#160;</font>shall have the meaning set forth
              in <u>Section (g)(ii)</u> hereof.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 72pt;"><font style="color: rgb(1, 0, 0);">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<u>Dividends</u>.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(i)</font>&#160;&#160; &#160;&#160; &#160; Holders of shares of Series [L] Preferred Stock shall be entitled to receive, only when, as, and if declared by the Board of Directors
              (or a duly authorized committee thereof), out of assets legally available under applicable law for payment, non-cumulative cash dividends based upon the Liquidation Preference, and no more, at a rate equal to 5.50% per annum, for each
              quarterly Dividend Period occurring from, and including, [&#9679;]<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup>.</div>
          </div>
          <div><br>
            <div><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;"> </sup>
              <hr noshade="noshade" align="left" style="height: 2px; width: 25%; color: #000000; background-color: #000000; margin-left: 0px; margin-right: auto; border: none;"></div>
            <div><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup> To be the most recent Dividend Payment Date prior to closing&#160; (subject to adjustment if the closing occurs between a record date and Dividend Payment Date).</div>
            <div> <br>
            </div>
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                <div style="font-weight: normal; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: normal; font-variant: normal; text-transform: none; text-align: center;">Exh.A-<font style="font-family: 'Times New Roman'; font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">4</font></div>
              </div>
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            </div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(ii)</font>&#160;&#160;&#160;&#160;&#160;&#160; When, as, and if declared by the Board of Directors (or a duly authorized committee thereof), the Corporation shall pay cash dividends on
              the shares of Series [L] Preferred Stock quarterly, in arrears, on February 20, May 20, August 20 and November 20&#160; of each year (each such date, a &#8220;<font style="font-weight: bold;">Dividend Payment Date</font>&#8221;), beginning on [&#9679;]<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">3</sup>, and, when, as and if declared by the Board of Directors (or a duly authorized committee thereof).&#160; The Corporation shall pay cash dividends to the holders of
              record of shares of the Series [L] Preferred Stock as such holders appear on the Corporation<font style="font-weight: bold;">&#8217;</font>s stock register on the applicable record date, which shall be the fifteenth (15th) calendar day before that
              Dividend Payment Date or such other record date fixed by the Board of Directors (or a duly authorized committee thereof) that is not more than sixty (60) nor less than ten (10) calendar days prior to such Dividend Payment Date.<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">4</sup></div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(iii)</font>&#160; &#160; &#160;&#160;&#160; If any Dividend Payment Date is a day that is not a Business Day, then the dividend with respect to that Dividend Payment Date shall
              instead be paid on the immediately succeeding Business Day, without interest or other payment in respect of such delayed payment.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(iv)</font>&#160;&#160;&#160; &#160;&#160;&#160; The Corporation shall calculate dividends on the shares of Series [L] Preferred Stock on the basis of a 360-day year of twelve 30-day
              months.&#160; Dollar amounts resulting from such calculation shall be rounded to the nearest cent, with one-half cent being rounded upward.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(v)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; Dividends on the shares of Series [L] Preferred Stock shall not be cumulative or mandatory.&#160; If the Board of Directors (or a duly
              authorized committee thereof) does not declare a dividend on the shares of Series [L] Preferred Stock or if the Board of Directors authorizes and the Corporation declares less than a full dividend in respect of any Dividend Period, the
              holders of the shares of Series [L] Preferred Stock will have no right to receive any dividend or a full dividend, as the case may be, for the Dividend Period, and the Corporation shall have no obligation to pay a dividend or to pay full
              dividends for that Dividend Period at any time, whether or not dividends on the shares of Series [L] Preferred Stock or any other series of the Preferred Stock or Common Stock are declared for any future Dividend Period.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(vi)</font>&#160;&#160;&#160;&#160;&#160; &#160; Dividends on the shares of Series [L] Preferred Stock shall accrue from [&#9679;]<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">5</sup> at the dividend rate on the liquidation preference amount of $25,000.00 per share.&#160; If the Corporation issues additional shares of the Series [L] Preferred Stock, dividends on those additional shares shall
              accrue from the original issue date of those additional shares at the dividend rate.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(vii)</font>&#160;&#160;&#160;&#160;&#160;&#160; So long as any share of Series [L] Preferred Stock remains outstanding:</div>
            <div>&#160;</div>
            <div style="text-indent: 144pt;"><font style="color: rgb(1, 0, 0);">A.</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; no dividend shall be declared and paid or set aside for payment and no distribution shall be declared and made or set aside for payment on any Junior Stock
              (other than a dividend payable solely in shares of Junior Stock or any dividend in connection with the implementation of a shareholder rights plan or the redemption or repurchase of any rights under such a plan, including with respect to any
              successor shareholder rights plan);</div>
            <div>&#160;</div>
            <hr noshade="noshade" align="left" style="height: 2px; width: 25%; color: #000000; background-color: #000000; margin-left: 0px; margin-right: auto; border: none;">
            <div><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">3</sup> To be the first Dividend Payment Date following the closing&#160; (subject to adjustment if the closing occurs between a record date and Dividend Payment Date).</div>
            <div><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">4</sup> Subject to adjustment for first Dividend Payment Date depending on timing of closing.</div>
            <div><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">5</sup> To be the most recent Dividend Payment Date prior to closing.</div>
            <div> <br>
            </div>
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              </div>
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            </div>
            <div style="text-align: justify; text-indent: 144pt;"><font style="color: rgb(1, 0, 0);">B.</font>&#160;&#160;&#160;&#160; no shares of Junior Stock shall be repurchased, redeemed, or otherwise acquired for consideration by the Corporation, directly or indirectly
              (other than as a result of a reclassification of Junior Stock for or into other Junior Stock, or the exchange for or conversion into Junior Stock, through the use of the proceeds of a substantially contemporaneous sale of other shares of
              Junior Stock or pursuant to a contractually binding requirement to buy Junior Stock pursuant to a binding stock repurchase plan existing prior to the most recently completed Dividend Period), nor shall any monies be paid to or made available
              for a sinking fund for the redemption of any such securities by the Corporation; and</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 144pt;"><font style="color: rgb(1, 0, 0);">C.</font>&#160;&#160;&#160;&#160;&#160; no shares of Parity Stock shall be repurchased, redeemed or otherwise acquired for consideration by the Corporation (other than pursuant to
              pro rata offers to purchase all, or a pro rata portion, of the shares of Series [L] Preferred Stock and such Parity Stock, through the use of the proceeds of a substantially contemporaneous sale of other shares of Parity Stock or Junior
              Stock, as a result of a reclassification of Parity Stock for or into other Parity Stock, or by conversion into or exchange for Junior Stock), during a Dividend Period, unless, in each case of subsections (A), (B) and (C) immediately above,
              the full dividends for the most recently completed Dividend Period on all outstanding shares of the Series [L] Preferred Stock have been declared and paid in full or declared and a sum sufficient for the payment of those dividends has been
              set aside.&#160; The foregoing limitations in subsections (A), (B) and (C) immediately above shall not apply to purchases or acquisitions of the Corporation&#8217;s Junior Stock pursuant to any employee or director incentive or benefit plan or
              arrangement (including any of the Corporation&#8217;s employment, severance, or consulting agreements) of the Corporation or of any of the Corporation&#8217;s subsidiaries heretofore or hereafter adopted.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(viii)</font>&#160;&#160;&#160;&#160;&#160; Except as provided below, for so long as any share of Series [L] Preferred Stock remains outstanding, the Corporation shall not declare,
              pay, or set aside for payment full dividends on any Parity Stock unless the Corporation has paid in full, or set aside payment in full, in respect of all unpaid dividends for all Dividend Periods for outstanding shares of Series [L] Preferred
              Stock.&#160; To the extent that the Corporation declares dividends on the shares of Series [L] Preferred Stock and on shares of any Parity Stock but cannot make full payment of such declared dividends, the Corporation shall allocate the dividend
              payments on a pro rata basis among the holders of the shares of Series [L] Preferred Stock and the holders of any Parity Stock then outstanding.&#160; For purposes of calculating the pro rata allocation of partial dividend payments, the
              Corporation shall allocate dividend payments based on the ratio between the then current and the unpaid dividend payments due on the shares of Series [L] Preferred Stock and (A) in the case of cumulative Parity Stock, the aggregate of the
              accrued and unpaid dividends due on any such Parity Stock and (2) in the case of non-cumulative Parity Stock, the aggregate of the declared but unpaid dividends due on any such Parity Stock.&#160; No interest shall be payable in respect of any
              dividend payment on shares of Series [L] Preferred Stock that may be in arrears.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(ix)</font>&#160;&#160;&#160;&#160;&#160;&#160; Subject to the foregoing conditions, and not otherwise, dividends (payable in cash, stock, or otherwise), as may be determined by the
              Board of Directors (or a duly authorized committee thereof), may be declared and paid on the Common Stock and any Junior Stock from time to time out of any funds legally available for such payment, and the holders of the shares of Series [L]
              Preferred Stock shall not be entitled to participate in such dividends.</div>
            <div>&#160;</div>
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                <div style="font-weight: normal; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: normal; font-variant: normal; text-transform: none; text-align: center;">Exh.A-<font style="font-family: 'Times New Roman'; font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">6</font></div>
              </div>
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            </div>
            <div style="text-align: justify; text-indent: 72pt;"><font style="color: rgb(1, 0, 0);">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<u>Liquidation Rights</u>.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(i)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;In the event of any voluntary or involuntary liquidation, dissolution or winding up of the Corporation, the holders of the shares of
              Series [L] Preferred Stock then outstanding shall be entitled to be paid out of the Corporation&#8217;s assets legally available for distribution to the Corporation&#8217;s shareholders, before any distribution of assets is made to holders of Common
              Stock or any other Junior Stock, a liquidating distribution in the amount equal to the sum of (1) the Liquidation Preference, plus (2) the sum of any declared and unpaid dividends for prior Dividend Periods prior to the Dividend Period in
              which the liquidation distribution is made and any declared and unpaid dividends for the then current Dividend Period in which the liquidation distribution is made to the date of such liquidation distribution.&#160; After payment of the full
              amount of the liquidating distributions to which they are entitled pursuant to the foregoing, the holders of shares of Series [L] Preferred Stock shall have no right or claim to any remaining assets of the Corporation.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(ii)</font>&#160;&#160;&#160;&#160; &#160;&#160; In the event that, upon any such voluntary or involuntary liquidation, dissolution or winding up, the available assets of the
              Corporation are insufficient to pay the amount of the liquidating distributions on all outstanding shares of Series [L] Preferred Stock and the corresponding amounts payable on all shares of Parity Stock in the distribution of assets upon any
              liquidation, dissolution or winding up of the Corporation, then the holders of the shares of Series [L] Preferred Stock and such Parity Stock shall share ratably in any such distribution of assets in proportion to the full liquidating
              distributions to which they respectively would be entitled.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(iii)</font>&#160;&#160;&#160;&#160;&#160;&#160; For the purposes of this <u>Section (e)</u>, the merger or consolidation of the Corporation with or into any other entity or by another
              entity with or into the Corporation or the sale, lease, exchange or other transfer of all or substantially all of the assets of the Corporation (for cash, securities or other consideration) shall not be deemed to constitute the liquidation,
              dissolution or winding up of the Corporation.&#160; If the Corporation enters into any merger or consolidation transaction with or into any other entity and the Corporation is not the surviving entity in such transaction, shares of the Series [L]
              Preferred Stock may be converted into shares of the surviving or successor corporation or the direct or indirect parent of the surviving or successor corporation having terms identical to the terms of the Series [L] Preferred Stock set forth
              herein.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 72pt;"><font style="color: rgb(1, 0, 0);">(f)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<u>Redemption Rights</u>.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(i)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Series [L] Preferred Stock is not subject to any mandatory redemption, sinking fund or other similar provisions.&#160; Subject to the
              terms and conditions of this <u>Section (f)</u>, the Corporation may redeem shares of Series [L] Preferred Stock, in whole or in part, at its option, on any Dividend Payment Date on or after November 20, 2024, with not less than thirty (30)
              calendar days&#8217; and not more than sixty (60) calendar days&#8217; notice (an &#8220;<font style="font-weight: bold;">Optional Redemption</font>&#8221;), subject to the approval of the appropriate federal banking agency, at the Redemption Price.&#160; Dividends shall
              not accrue on those shares of Series [L] Preferred Stock so redeemed on and after the applicable redemption date.</div>
            <div>&#160;</div>
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              </div>
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            </div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(ii)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; In addition, the Corporation may redeem shares of Series [L] Preferred Stock, in whole but not in part, at its option, for cash, at any
              time within ninety (90) calendar days following a Regulatory Capital Treatment Event, subject to the approval of the appropriate federal banking agency, at the Redemption Price (a &#8220;<font style="font-weight: bold;">Regulatory Event Redemption</font>&#8221;).</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(iii)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; The redemption price for any redemption of shares of Series [L] Preferred Stock, whether an Optional Redemption or Regulatory Event
              Redemption, shall be equal to (A) $25,000.00 per share of Series [L] Preferred Stock, plus (B) any declared and unpaid dividends (without regard to any undeclared dividends) prior to, but excluding, the date of redemption (the &#8220;<font style="font-weight: bold;">Redemption Price</font>&#8221;).</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(iv)</font>&#160;&#160;&#160;&#160;&#160; Any notice given as provided in this <u>Section (f)</u> shall be conclusively presumed to have been duly given, whether or not the holder
              receives the notice, and any defect in the notice or in the provision of the notice, to any holder of shares of Series [L] Preferred Stock designated for redemption will not affect the redemption of any other shares of Series [L] Preferred
              Stock.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 36pt;">Any notice provided to a holder of shares of Series [L] Preferred Stock shall be deemed given on the date provided, whether or not the holder actually receives the notice.&#160; A notice of
              redemption shall be given not less than thirty (30) calendar days and not more than sixty (60) calendar prior to the date of redemption specified in the notice, and shall specify (1) the redemption date, (2) the Redemption Price, (3) if fewer
              than all shares of Series [L] Preferred Stock are to be redeemed, the number of shares of Series [L] Preferred Stock to be redeemed and (4) the manner in which holders of shares of Series [L] Preferred Stock called for redemption may obtain
              payment of the Redemption Price in respect of those shares.&#160; Notwithstanding anything to the contrary in this <u>Section (f)</u>, if the Series [L] Preferred Stock (or related depositary shares) is issued in book-entry form through The
              Depository Trust Company or any other similar facility, notice of redemption may be given to the holders of shares of Series [L] Preferred Stock at such time and in any manner permitted by such facility.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(v)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; If notice of redemption of any shares of Series [L] Preferred Stock has been given by the Corporation and if the funds necessary for
              such redemption have been set aside by the Corporation in trust for the benefit of the holders of any shares of Series [L] Preferred Stock, then from and after the redemption date such shares of Series [L] Preferred Stock shall no longer be
              outstanding for any purpose, all dividends with respect to such shares of Series [L] Preferred Stock shall cease to accrue from the redemption date and all rights of the holders of such shares shall terminate, except the right to receive the
              Redemption Price, without interest.&#160; Shares of Series [L] Preferred Stock redeemed pursuant to this <u>Section (f)</u> or purchased or otherwise acquired for value by the Corporation shall, after such acquisition, have the status of
              authorized and unissued shares of the Preferred Stock and may be reissued by the Corporation at any time as shares of any series of the Preferred Stock other than as Series [L] Preferred Stock.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(vi)</font>&#160;&#160;&#160;&#160;&#160; In the event that fewer than all of the outstanding shares of Series [L] Preferred Stock are to be redeemed, the shares of Series [L]
              Preferred Stock to be redeemed shall be selected either pro rata or by lot or in such other manner as the Board of Directors (or a duly authorized committee thereof) determines to be fair and equitable and permitted by the rules of any stock
              exchange on which the Series [L] Preferred Stock (or related depositary shares) is listed, subject to the provisions hereof.&#160; The Board of Directors (or a duly authorized committee thereof) shall have the full power and authority to prescribe
              the terms and conditions upon which such shares of Series [L] Preferred Stock may be redeemed from time to time.</div>
            <div>&#160;</div>
            <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
              <div style="width: 100%;" class="BRPFPageFooter">
                <div style="font-weight: normal; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: normal; font-variant: normal; text-transform: none; text-align: center;">Exh.A-<font style="font-family: 'Times New Roman'; font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">8</font></div>
              </div>
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            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(vii)</font>&#160;&#160;&#160;&#160;&#160; No holder of shares of Series [L] Preferred Stock shall have the right to require the redemption of the Series [L] Preferred Stock.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 72pt;"><font style="color: rgb(1, 0, 0);">(g)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<u>Voting Rights</u>.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(i)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; Holders of shares of Series [L] Preferred Stock shall not have any voting rights, except as set forth below or as otherwise required by
              the Maryland General Corporation Law (&#8220;<font style="font-weight: bold;">MGCL</font>&#8221;).</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(ii)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Whenever dividends payable on the shares of Series [L] Preferred Stock or any other class or series of the Preferred Stock ranking
              equally with the Series [L] Preferred Stock as to payment of dividends, and upon which voting rights equivalent to those described in this paragraph have been conferred and are exercisable, have not been declared and paid in an aggregate
              amount equal to, as to any class or series, the equivalent of at least six (6) or more quarterly Dividend Periods, whether or not for consecutive Dividend Periods (a &#8220;<font style="font-weight: bold;">Nonpayment</font>&#8221;), the holders of
              outstanding shares of the Series [L] Preferred Stock voting as a class with holders of shares of any other series of the Preferred Stock ranking equally with the Series [L] Preferred Stock as to payment of dividends, and upon which like
              voting rights have been conferred and are exercisable (&#8220;<font style="font-weight: bold;">Voting Parity Stock</font>&#8221;), shall be entitled to vote for the election of two (2) additional directors of the Board of Directors on the terms set forth
              in this <u>Section (g)</u> (and to fill any vacancies in the terms of such directorships) (the &#8220;<font style="font-weight: bold;">Preferred Stock Directors</font>&#8221;).&#160; Holders of shares of all series of Voting Parity Stock shall vote as a
              single class.&#160; In the event that the holders of the shares of the Series [L] Preferred Stock are entitled to vote as described in this <u>Section (g)</u>, the number of members of the Board of Directors at that time shall be increased by two
              (2) directors, and the holders of the shares of Series [L] Preferred Stock shall have the right, as members of that class, to elect two (2) directors at a special meeting called at the request of the holders of record of at least twenty
              percent (20%) of the aggregate voting power of the Series [L] Preferred Stock or any other series of Voting Parity Stock (unless such request is received less than ninety (90) calendar days before the date fixed for the Corporation&#8217;s next
              annual or special meeting of the shareholders, in which event such election shall be held at such next annual or special meeting of the shareholders), <u>provided</u> that the election of any Preferred Stock Directors shall not cause the
              Corporation to violate the corporate governance requirements of the NASDAQ (or any other exchange on which the securities of the Corporation may at such time be listed) that listed companies must have a majority of independent directors, and
              <u>provided</u>&#160;<u>further</u> that at no time shall the Board of Directors include more than two (2) Preferred Stock Directors.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(iii)</font>&#160;&#160;&#160; &#160;&#160; The Preferred Stock Directors elected at any such special meeting shall hold office until the next annual meeting of the Corporation&#8217;s
              shareholders unless they have been previously terminated or removed pursuant to <u>Section (g)(iv)</u>.&#160; In case any vacancy in the office of a Preferred Stock Director occurs (other than prior to the initial election of the Preferred Stock
              Directors), the vacancy may be filled by the written consent of the Preferred Stock Director remaining in office, or, if none remains in office, by the vote of the holders of the shares of Series [L] Preferred Stock (together with holders of
              any shares of Voting Parity Stock) to serve until the next annual meeting of the shareholders.</div>
            <div>&#160;</div>
            <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
              <div style="width: 100%;" class="BRPFPageFooter">
                <div style="font-weight: normal; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: normal; font-variant: normal; text-transform: none; text-align: center;">Exh.A-<font style="font-family: 'Times New Roman'; font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">9</font></div>
              </div>
              <div class="BRPFPageBreak" style="page-break-after: always;">
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            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(iv)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; When the Corporation has paid full dividends on the Series [L] Preferred Stock for the equivalent of at least four (4) Dividend Periods,
              following a Nonpayment, then the right of the holders of shares of Series [L] Preferred Stock to elect the Preferred Stock Directors set forth in this <u>Section (g)</u> shall cease (subject to the continued applicability of the provisions
              for the vesting of the special voting rights in the case of any future Nonpayment).&#160; Upon termination of the right of the holders of shares of the Series [L] Preferred Stock and Voting Parity Stock to vote for Preferred Stock Directors as set
              forth in this <u>Section (g)</u>, the term of office of all Preferred Stock Directors then in office elected by only those holders shall terminate immediately.&#160; Whenever the term of office of the Preferred Stock Directors ends and the
              related voting rights have expired, the number of directors automatically will be decreased to the number of directors as otherwise would prevail.&#160; Any Preferred Stock Director may be removed at any time without cause by the holders of record
              of a majority of the outstanding shares of the Series [L] Preferred Stock (together with holders of any shares of Voting Parity Stock) when they have the voting rights described in <u>Section (g)(ii)</u>.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(v)</font>&#160;&#160;&#160;&#160;&#160;&#160; So long as any shares of Series [L] Preferred Stock remain outstanding, the Corporation shall not, without the affirmative vote or consent
              of holders of at least 66 2/3% in voting power of the shares of Series [L] Preferred Stock and any Voting Parity Stock, voting together as a single class, given in person or by proxy, either in writing without a meeting or at any meeting
              called for the purpose, authorize, create or issue any shares of capital stock ranking senior to the Series [L] Preferred Stock as to dividends and rights upon liquidation, dissolution or winding up, or reclassify any authorized capital stock
              into any such shares of such capital stock or issue any obligation or security convertible into or evidencing the right to purchase any such shares of capital stock.&#160; Further, so long as any shares of the Series [L] Preferred Stock remain
              outstanding, the Corporation shall not, without the affirmative vote of the holders of at least 66 2/3% in voting power of the Series [L] Preferred Stock, amend, alter or repeal any provision of the Charter, including by merger, consolidation
              or otherwise, so as to affect the powers, preferences or special rights of the Series [L] Preferred Stock.</div>
            <div>&#160;</div>
            <div style="text-indent: 36pt;">Notwithstanding the foregoing, (a) any increase in the amount of authorized shares of Common Stock or authorized shares of the Preferred Stock, or any increase or decrease in the number of shares of any series of
              the Preferred Stock, or the authorization, creation and issuance of other classes or series of capital stock, in each case ranking on parity with or junior to the shares of the Series [L] Preferred Stock as to dividends and distribution of
              assets upon liquidation, dissolution or winding up, shall not be deemed to affect such powers, preferences or special rights, (b) a merger or consolidation of the Corporation with or into another entity in which the shares of the Series [L]
              Preferred Stock (1) remain outstanding or (2) are converted into or exchanged for preference securities of the surviving entity or any entity, directly or indirectly, controlling such surviving entity and such new preference securities have
              powers, preferences and special rights that are not materially less favorable than the Series [L] Preferred Stock shall not be deemed to affect the powers, preferences or special rights of the Series [L] Preferred Stock and (c) the foregoing
              voting rights of the holders of Series [L] Preferred Stock shall not apply if, at or prior to the time when the act with respect to which the vote would otherwise be required shall be effected, all outstanding shares of Series [L] Preferred
              Stock shall have been redeemed or called for redemption upon proper notice and sufficient funds shall have been set aside by the Corporation for the benefit of holders of shares of Series [L] Preferred Stock to effect the redemption.</div>
            <div>&#160;</div>
            <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
              <div style="width: 100%;" class="BRPFPageFooter">
                <div style="font-weight: normal; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: normal; font-variant: normal; text-transform: none; text-align: center;">Exh.A-<font style="font-family: 'Times New Roman'; font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">10</font></div>
              </div>
              <div class="BRPFPageBreak" style="page-break-after: always;">
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            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(vi)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; Notice for a special meeting to elect the Preferred Stock Directors shall be given in a similar manner to that provided in the
              Corporation&#8217;s Bylaws for a special meeting of the shareholders.&#160; If the secretary of the Corporation does not call a special meeting within twenty (20) calendar days after receipt of any such request, then any holder of shares of Series [L]
              Preferred Stock may (at the Corporation&#8217;s reasonable expense) call such meeting, upon notice as provided in this <u>Section (g)(vi)</u> and, for that purpose, shall have access to the stock register of the Corporation.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(vii)</font>&#160;&#160;&#160;&#160; Except as otherwise set forth in <u>Section (g)(vi)</u> hereof, the rules and procedures for calling and conducting any meeting of the
              holders of shares of Series [L] Preferred Stock (including, without limitation, the fixing of a record date in connection therewith), the solicitation and use of proxies at such a meeting, the obtaining of written consents and any other
              aspect or matter with regard to such a meeting or such consents shall be governed by any rules that the Board of Directors (or a duly authorized committee thereof), in its discretion, may adopt from time to time, which rules and procedures
              shall conform to the requirements of the Charter, the Bylaws of the Corporation, and applicable laws and the rules of any national securities exchange or other trading facility on which Series [L] Preferred Stock (or related depositary
              shares) are listed or traded at the time.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 108pt;"><font style="color: rgb(1, 0, 0);">(viii)</font>&#160;&#160;&#160;&#160;&#160; Each holder of shares of Series [L] Preferred Stock will have one (1) vote per share on any matter on which holders of shares of Series
              [L] Preferred Stock are entitled to vote.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 72pt;"><font style="color: rgb(1, 0, 0);">(h)</font>&#160;&#160;&#160; &#160; &#160;&#160; <u>Conversion Rights</u>.&#160; The holders of shares of Series [L] Preferred Stock shall not have any rights to convert such shares into
              shares of any other class or series of stock or into any other securities of, or any interest or property in, the Corporation.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 72pt;"><font style="color: rgb(1, 0, 0);">(i)</font>&#160;&#160;&#160;&#160;&#160; &#160; &#160; <u>No Sinking Fund</u>.&#160; No sinking fund shall be established for the retirement or redemption of shares of Series [L] Preferred Stock.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 72pt;"><font style="color: rgb(1, 0, 0);">(j)</font>&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; <u>No Preemptive or Subscription Rights</u>.&#160; No holder of shares of Series [L] Preferred Stock shall, as such holder, have any
              preemptive right to purchase or subscribe for any additional shares of capital stock of the Corporation or any other security of the Corporation that it may issue or sell.</div>
            <div>&#160;</div>
            <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
              <div style="width: 100%;" class="BRPFPageFooter">
                <div style="font-weight: normal; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: normal; font-variant: normal; text-transform: none; text-align: center;">Exh.A-<font style="font-family: 'Times New Roman'; font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">11</font></div>
              </div>
              <div class="BRPFPageBreak" style="page-break-after: always;">
                <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
            </div>
            <div style="text-align: justify; text-indent: 72pt;"><font style="color: rgb(1, 0, 0);">(k)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Information Rights</u>.&#160; During any period in which the Corporation is not subject to Section 13 or 15(d) of the Exchange Act of 1934
              (the &#8220;<font style="font-weight: bold;">Exchange Act</font>&#8221;) and any shares of Series [L] Preferred Stock are outstanding, the Corporation will use its reasonable best efforts to (i) transmit by mail (or other permissible means under the
              Exchange Act) to all holders of Series [L] Preferred Stock, as their names and addresses appear on the Corporation&#8217;s record books and without cost to such holders, copies of the annual reports on Form 10-K and quarterly reports on Form 10-Q
              that the Corporation would have been required to file with the FDIC pursuant to Section 13 or 15(d) of the Exchange Act if the Corporation were subject thereto (other than any exhibits that would have been required) and (ii) promptly, after
              receipt of written request, supply copies of such reports to any holders or prospective holder of Series [L] Preferred Stock.&#160; The Corporation will use its reasonable best efforts to mail (or otherwise provide) the information to the holders
              of the Series [L] Preferred Stock within fifteen (15) days after the respective dates by which a periodic report on Form 10-K or Form 10-Q, as the case may be, in respect of such information would have been required to be filed with the SEC,
              if the Corporation were subject to Section 13 or 15(d) of the Exchange Act, in each case, based on the dates on which it would be required to file such periodic reports if the Corporation were a &#8220;non-accelerated filer&#8221; within the meaning of
              the Exchange Act.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 72pt;"><font style="color: rgb(1, 0, 0);">(l)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Certificates</u>.&#160; Shares of Series [L] Preferred Stock (or related depositary shares) shall be eligible for the Direct Registration
              System service offered by the Depository Trust Company and may be represented in the form of uncertificated or certificated shares.&#160; Shares of Series [L] Preferred Stock shall be eligible for the Direct Registration System service offered by
              the Depository Trust Company and may be represented in the form of uncertificated or certificated shares, <u>provided</u>, however, that each holder of Series [L] Preferred Stock (or related depositary shares) shall be entitled, upon
              request, to have a certificate for shares of Series [L] Preferred Stock (or related depositary shares) reflecting the number of shares owned by such holder in such form as is provided under the MGCL and the Corporation&#8217;s Amended and Restated
              Bylaws.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 72pt;"><font style="color: rgb(1, 0, 0);">(m)</font>&#160;&#160;&#160;&#160;&#160; <u>Listing</u><font style="font-style: italic;">.&#160; </font>The Corporation agrees that for the period of time during which the Series [L]
              Preferred Stock is outstanding, the Corporation will use its reasonable best efforts to (i) effect within thirty (30) days of issuance and delivery of the Series [L] Preferred Stock (or related depositary shares) the listing of the Series [L]
              Preferred Stock (or related depositary shares) on the NASDAQ and (ii) maintain the listing of the Series [L] Preferred Stock (or related depositary shares) on the NASDAQ or another national securities exchange.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 72pt;"><font style="color: rgb(1, 0, 0);">(n)</font>&#160;&#160;&#160;&#160;&#160;&#160; <u>No Other Rights</u>.&#160; The shares of Series [L] Preferred Stock shall not have any designations, preferences or relative, participating,
              optional or other special rights except as set forth in the Charter or as otherwise required by applicable law, including the MGCL.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 36pt;">SECOND:&#160; The Series [L] Preferred Stock has been classified and designated by the Board of Directors [and the Committee], under the authority contained in the Charter.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 36pt;">THIRD:&#160; These Articles Supplementary have been approved by the Board of Directors [and the Committee] in the manner and by the vote required by law.</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 36pt;">FOURTH:&#160; These Articles Supplementary shall become effective on [&#9679;].</div>
            <div>&#160;</div>
            <div style="text-align: justify; text-indent: 36pt;">FIFTH:&#160; The undersigned Chairman, President and Chief Executive Officer of the Corporation acknowledges these Articles Supplementary to be the corporate act of the Corporation and, as to all
              matters or facts required to be verified under oath, the undersigned Officer acknowledges that, to the best of his knowledge, information and belief, these matters and facts are true in all material respects and that this statement is made
              under the penalties of perjury.</div>
            <div>&#160;</div>
            <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
              <div style="width: 100%;" class="BRPFPageFooter">
                <div style="font-weight: normal; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: normal; font-variant: normal; text-transform: none; text-align: center;">Exh.A-<font style="font-family: 'Times New Roman'; font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">12</font></div>
              </div>
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            <div style="text-indent: 36pt;">IN WITNESS WHEREOF, the Corporation has caused these Articles Supplementary to be signed in its name and on its behalf by its Chairman, President and Chief Executive Officer and attested to by its [&#9679;] on this [&#9679;]
              day of [&#9679;], [&#9679;].</div>
            <div>&#160;</div>
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                <tr>
                  <td style="vertical-align: top;" colspan="3">
                    <div>ATTEST:</div>
                  </td>
                  <td style="vertical-align: top;" colspan="2">
                    <div>HUNTINGTON BANCSHARES INCORPORATED</div>
                  </td>
                </tr>
                <tr>
                  <td style="vertical-align: top;" colspan="3">&#160;</td>
                  <td style="vertical-align: top;" colspan="2">&#160;</td>
                </tr>
                <tr>
                  <td style="width: 3%; vertical-align: top; padding-bottom: 2px;">
                    <div>By:</div>
                  </td>
                  <td style="width: 35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);"><br>
                  </td>
                  <td style="width: 4%; vertical-align: top; padding-bottom: 2px;"><br>
                  </td>
                  <td style="width: 3%; vertical-align: top; padding-bottom: 2px;">
                    <div>By:</div>
                  </td>
                  <td style="width: 55%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);"><br>
                  </td>
                </tr>
                <tr>
                  <td style="vertical-align: top;" colspan="3">
                    <div>Name:</div>
                  </td>
                  <td style="vertical-align: top;" colspan="2">
                    <div>
                      <div>Name: Stephen D. Steinour</div>
                    </div>
                  </td>
                </tr>
                <tr>
                  <td style="vertical-align: top;" colspan="3">
                    <div>Title:</div>
                  </td>
                  <td style="vertical-align: top;" colspan="2">
                    <div>
                      <div>Title: Chairman, President and Chief Executive Officer</div>
                    </div>
                  </td>
                </tr>

            </table>
            <div><br>
            </div>
            <div><br>
            </div>
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    <div style="font-weight: normal; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: normal; font-variant: normal; text-transform: none; text-align: center;">Exh.A-<font style="font-family: 'Times New Roman'; font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">13</font>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>5
<FILENAME>hban-20251026_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!--Generated by Broadridge PROfile 25.10.1.5333 Broadridge-->
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_AmendmentFlag" xlink:label="AmendmentFlag" xlink:title="AmendmentFlag" />
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<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
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<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.25.3</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information<br></strong></div></th>
<th class="th"><div>Oct. 26, 2025</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityListingsLineItems', window );"><strong>Entity Listings [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Oct. 26,  2025<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">1-34073<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">HUNTINGTON BANCSHARES INC /MD/<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000049196<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">MD<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">31-0724920<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">41 South High Street<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Columbus<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">OH<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">43287<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">614<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">480-2265<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">true<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=hban_DepositarySharesEachRepresentingA140thInterestInAShareOf4500SeriesHNonCumulativePerpetualPreferredStockMember', window );">Depositary Shares (each representing a 1/40th interest in a share of 4.500% Series H Non-Cumulative, perpetual preferred stock) [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityListingsLineItems', window );"><strong>Entity Listings [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Depositary Shares (each representing a 1/40th interest in a share of 4.500% Series H Non-Cumulative, perpetual preferred stock)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">HBANP<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=hban_DepositarySharesEachRepresentingA11000thInterestInAShareOf570SeriesINonCumulativePerpetualPreferredStockMember', window );">Depositary Shares (each representing a 1/1000th interest in a share of 5.70% Series I Non-Cumulative, perpetual preferred stock) [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityListingsLineItems', window );"><strong>Entity Listings [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Depositary Shares (each representing a 1/1000th interest in a share of 5.70% Series I Non-Cumulative, perpetual preferred stock)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">HBANM<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=hban_DepositarySharesEachRepresentingA140thInterestInAShareOf6875SeriesJNonCumulativePerpetualPreferredStockMember', window );">Depositary Shares (each representing a 1/40th interest in a share of 6.875% Series J Non-Cumulative, perpetual preferred stock) [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityListingsLineItems', window );"><strong>Entity Listings [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Depositary Shares (each representing a 1/40th interest in a share of 6.875% Series J Non-Cumulative, perpetual preferred stock)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">HBANL<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember', window );">Common Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityListingsLineItems', window );"><strong>Entity Listings [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Stock-Par Value $0.01 per Share<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">HBAN<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityListingsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityListingsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14a<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
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