Second Supplemental Indenture, dated as of February 28, 2025, by and among Premier Financial Corp., Wesbanco, Inc. and U.S. Bank Trust Company, National Association as trustee

In this Second Supplemental Indenture, unless a clear contrary intention appears:

the singular number includes the plural number and vice versa;

reference to any gender includes the other gender;

the words “herein,” “hereof,” and “hereunder,” and other words of similar import, refer to this Second Supplemental Indenture as a whole and not to any particular Section or other subdivision;

reference to any Person includes such Person’s successors and assigns but, if applicable, only if such successors and assigns are permitted by this Second Supplemental Indenture or the Indenture, and reference to a Person in a particular capacity excludes such Person in any other capacity or individually provided that nothing in this clause (iv) is intended to authorize any assignment not otherwise permitted by this Second Supplemental Indenture or the Indenture;

reference to any agreement, document, or instrument means such agreement, document, or instrument as amended, supplemented, or modified and in effect from time to time in accordance with the terms thereof and, if applicable, the terms hereof, as well as any substitution or replacement therefor and reference to any note includes modifications thereof and any note issued in extension or renewal thereof or in substitution or replacement therefor;

reference to any Section means such Section of this Second Supplemental Indenture; and

the word “including” (and with correlative meaning “include”) means including without limiting the generality of any description preceding such term.

No provision in this Second Supplemental Indenture shall be interpreted or construed against any Person because that Person or its legal representative drafted such provision.

Pursuant to, and in compliance and accordance with, Section 801 and Section 802 of the Indenture, the Successor Company hereby expressly assumes all of the obligations of the Company, including the due and punctual payment of the principal of and any premium and interest on all the Securities and the performance or observance of every other covenant of the Company under the Indenture.

Pursuant to, and in compliance and accordance with, Section 802 of the Indenture, the Successor Company succeeds to and is substituted for the Company, with the same effect as if the Successor Company had originally been named in the Indenture as the Company.

the Trustee shall have executed a counterpart of this Second Supplemental Indenture and shall have received one or more counterparts of this Second Supplemental Indenture executed by the Successor Company and the Company;

the Trustee shall have received an Officers’ Certificate from the Successor Company stating that immediately after giving effect to the Merger and this Second Supplemental Indenture and assuming that all outstanding indebtedness of the Successor Company was first incurred at the time of the Merger, no Default or Event of Default that, after notice or lapse of time or both, would become an Event of Default, has occurred and is continuing;

the Trustee shall have received one or more Opinions of Counsel to the effect that: (i) the Merger complies with the provisions of Section 801 of the Indenture; (ii) all conditions precedent provided for in the Indenture relating to the Merger have been complied with; (iii) this Second Supplemental Indenture constitutes the legal, valid, and binding obligation of the Company and the Successor Company, enforceable against each such entity in accordance with its terms, subject to customary exceptions; (iv) the execution of this Second Supplemental Indenture is authorized or permitted by the Indenture; and (v) all requisite consents have been obtained or no consents are required; and

the Successor Company and the Company shall have duly executed and filed the Articles of Merger with each Secretary of State of each of the State of West Virginia and the State of Ohio in connection with the Merger.

Upon the effectiveness of this Second Supplemental Indenture, each reference in the Indenture to “this Indenture,” “hereunder,” “herein,” or words of like import shall mean and be a reference to the Indenture, as affected, amended, and supplemented hereby.

Upon the effectiveness of this Second Supplemental Indenture, each reference in the Notes to the Indenture including each term defined by reference to the Indenture shall mean and be a reference to the Indenture or such term, as the case may be, as affected, amended, and supplemented hereby.

The Indenture, as amended and supplemented hereby, shall remain in full force and effect and is hereby ratified and confirmed.