Company: HBAN
Filing Date: 2025-08-15
Form Type: 424B3
Source: 0001140361-25-031511
Chunk: 70

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-08-15
Form: 424B3
Chunk 70
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 well as its experience in securities valuation and knowledge of the banking industry generally. KBW also participated in discussions with the management of Veritex regarding the past and current business operations, regulatory relations, financial condition and future prospects of Veritex and Huntington and such other matters as KBW deemed relevant to its inquiry. KBW was not requested to assist, and did not assist, Veritex with soliciting indications of interest from third parties regarding a potential transaction with Veritex. In conducting its review and arriving at its opinion, KBW relied upon and assumed the accuracy and completeness of all of the financial and other information that was provided to or discussed with it or that was publicly available and KBW did not independently verify the accuracy or completeness of any such information or assume any responsibility or liability for such verification, accuracy or completeness. KBW relied upon the management of Veritex as to the reasonableness and achievability of the publicly available consensus “street estimates” of Veritex and the assumed Veritex long-term growth rates referred to above (and the assumptions and bases therefor), and KBW assumed that all such information was reasonably prepared and represented, or in the case of the Veritex “street estimates” referred to above that such estimates were consistent with, the best currently available estimates and judgments of Veritex management and that the forecasts, projections and estimates reflected in such information would be realized in the amounts and in the time periods estimated. KBW further relied, with the consent of Veritex, upon Huntington management as to the reasonableness and achievability of the publicly available consensus “street estimates” of Huntington and the assumed Huntington

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long-term growth rates referred to above (and the assumptions and bases therefor), and KBW assumed that all such information was reasonably prepared and represented, or in the case of the Huntington “street estimates” referred to above that such estimates were consistent with, the best currently available estimates and judgments of Huntington management and that the forecasts, projections and estimates reflected in such information would be realized in the amounts and in the time periods estimated. It is understood that the portion of the foregoing financial information of Veritex and Huntington that was provided to KBW was not prepared with the expectation of public disclosure and that all of the foregoing financial information, including the publicly available consensus “street estimates” of Veritex and Huntington referred to above, was based on numerous variables and assumptions that are inherently uncertain and, accordingly, actual results could vary significantly from