Company: HBAN
Filing Date: 2025-09-11
Form Type: 424B2
Source: 0001193125-25-200581
Chunk: 6

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-09-11
Form: 424B2
Chunk 6
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.S. fiscal and monetary policy, including the
interest rate policies of the Federal Reserve; 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 “Fair Play” banking philosophy; 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 (the “Dodd-Frank Act”) and the Basel III regulatory capital reforms, as well as those involving the SEC,
Office of the Comptroller of the Currency, Federal Reserve, FDIC, 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 Veritex Holdings, Inc. (“Veritex”); the outcome of any legal proceedings that may be instituted against Huntington or Veritex; delays in completing the Veritex Transaction
(as defined under “Prospectus Supplement Summary—Huntington Bancshares Incorporated—Pending Acquisition”); 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 Veritex Transaction); the failure to obtain Veritex shareholder approval or to satisfy any of the other conditions to the Veritex Transaction on a timely
basis or at all; the possibility that the anticipated benefits of the Veritex 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 Veritex do business; the possibility that the Veritex Transaction 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 Veritex Transaction; the ability to complete the Veritex Transaction 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 Veritex