0001140361-25-041757 Sample Contracts

FORM OF DEPOSIT AGREEMENT among HUNTINGTON BANCSHARES INCORPORATED, COMPUTERSHARE INC. and COMPUTERSHARE TRUST COMPANY, N.A., jointly, as Depositary, and THE HOLDERS FROM TIME TO TIME OF THE DEPOSITARY RECEIPTS DESCRIBED HEREIN Dated as of [●], 2026
Deposit Agreement • November 13th, 2025 • Huntington Bancshares Inc /Md/ • National commercial banks • New York

DEPOSIT AGREEMENT dated as of [●], 2026, by and among (i) Huntington Bancshares Incorporated, a Maryland corporation, (ii) Computershare Inc., a Delaware corporation (“Computershare”), and its affiliate, Computershare Trust Company, N.A., a federally chartered trust company (the “Trust Company” and, together with Computershare, jointly the “Depositary”), and (iii) the Holders from time to time of the Receipts described herein.