Company: HBAN
Filing Date: 2025-07-21
Form Type: S-4
Source: 0001140361-25-026508
Chunk: 42

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-07-21
Form: S-4
Chunk 42
---
 merger); |

| • | the failure to obtain the requisite Veritex vote or to satisfy any of the other conditions to the merger on a timely basis or at all; |

| • | the possibility that the anticipated benefits of the merger 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 Veritex do business; |

| • | the possibility that the merger may be more expensive to complete than anticipated, including as a result of unexpected factors or events; diversion of management’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 merger; |

| • | the ability to complete the merger and integration of Huntington and Veritex successfully; |

| • | the dilution caused by Huntington’s issuance of additional shares of its capital stock in connection with the merger; and |

| • | other factors that may affect the future results of Huntington and Veritex. |

Additional factors that could cause results to differ materially from those described above can be found in Huntington’s and Veritex’s filings with the SEC that are incorporated by reference into this proxy statement/prospectus, as described in the section “Where You Can Find More Information.” All forward-looking statements are expressly qualified in their entirety by the cautionary statements set forth above. You are cautioned not to place undue reliance on the forward-looking statements, which speak only as of the date of this proxy statement/prospectus or the dates of the documents incorporated by reference in this proxy statement/prospectus and are based on information available at that time. Neither Huntington nor Veritex 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. If Huntington or Veritex update one or more forward-looking statements, no inference should be drawn that Huntington or Veritex will make additional updates with respect to those or other forward-looking statements. As forward-looking statements involve significant risks and uncertainties, caution should be exercised against placing undue reliance on such statements. For additional information about factors that could cause actual results to differ materially from those described in the forward-looking