Company: HBAN
Filing Date: 2025-07-21
Form Type: S-4
Source: 0001140361-25-026508
Chunk: 33

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-07-21
Form: S-4
Chunk 33
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 be affected by factors different from those currently affecting the independent results of operations of each of Huntington and Veritex. For a discussion of the businesses of Huntington and Veritex and of certain factors to consider in connection with those businesses, see the documents incorporated by reference in this proxy statement/prospectus and referred to under “Where You Can Find More Information” beginning on page 109 .

Veritex and Huntington are expected to incur substantial costs related to the merger and integration. If the merger is not completed, Veritex and Huntington will have incurred substantial expenses without realizing the expected benefits of the merger.

Each of Veritex and Huntington has incurred and will incur substantial expenses in connection with the negotiation and completion of the transactions contemplated by the merger agreement. These costs include legal, financial advisory, accounting, consulting and other advisory fees, severance/employee benefit-related costs, filing**

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**fees and other regulatory fees, printing costs and other related costs. Some of these costs are payable by either Veritex or Huntington regardless of whether or not the merger is completed. If the merger is not completed, Veritex and Huntington would have to recognize these expenses without realizing the expected benefits of the merge.

Combining Huntington and Veritex may be more difficult, costly or time consuming than expected and Huntington and Veritex may fail to realize the anticipated benefits of the merger.

The success of the merger will depend, in part, on the ability to realize the anticipated cost savings from combining the businesses of Huntington and Veritex. To realize the anticipated benefits and cost savings from the merger, Huntington and Veritex must successfully integrate and combine their businesses in a manner that permits those cost savings to be realized. If Huntington and Veritex are not able to successfully achieve these objectives, the anticipated benefits of the merger may not be realized fully or at all or may take longer to realize than expected. In addition, the actual cost savings and anticipated benefits of the merger could be less than anticipated, and integration may result in additional unforeseen expenses.

Huntington and Veritex have operated and, until the completion of the merger, must continue to operate, independently. It is possible that the integration process could result in the loss of key employees, the disruption of each company’s ongoing businesses or inconsistencies in standards, controls, procedures and policies that adversely affect the companies’ ability to maintain relationships with clients, customers, depositors and employees or to achieve the anticipated benefits and