Company: HBAN
Filing Date: 2025-08-15
Form Type: 424B3
Source: 0001140361-25-031511
Chunk: 73

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-08-15
Form: 424B3
Chunk 73
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 of any related transaction (including the bank merger), including, without limitation, the form or structure of the merger or any such related transaction, any consequences of the merger or any such related transaction to Veritex, its shareholders, creditors or otherwise, or any terms, aspects, merits or implications of any charitable foundation, employment, consulting, voting, support, shareholder or other agreements, arrangements or understandings contemplated or entered into in connection with the merger, any such related transaction, or otherwise. KBW’s opinion was necessarily based upon conditions as they existed and could be evaluated on the date of such opinion and the information made available to KBW through such date. There has been significant volatility in the stock and other financial markets arising from global tensions and political unrest, economic uncertainty, recently announced actual or threatened imposition of tariff increases, inflation, and prolonged high interest rates. Developments subsequent to the date of KBW’s opinion may have affected, and may affect, the conclusion reached in KBW’s opinion and KBW did not and does not have an obligation to update, revise or reaffirm its opinion. KBW’s opinion did not address, and KBW expressed no view or opinion with respect to:

| • | the underlying business decision of Veritex to engage in the merger or enter into the merger agreement; |

| • | the relative merits of the merger as compared to any strategic alternatives that are, have been or may be available to or contemplated by Veritex or the Veritex board of directors; |

| • | the fairness of the amount or nature of any compensation to any of Veritex’s officers, directors or employees, or any class of such persons, relative to the compensation to the holders of Veritex common stock; |

| • | the effect of the merger or any related transaction on, or the fairness of the consideration to be received by, holders of any class of securities of Veritex (other than the holders of Veritex common stock, solely with respect to the exchange ratio as described in KBW’s opinion and not relative to the consideration to be received by holders of any other class of securities) or holders of any class of securities of Huntington or any other party to any transaction contemplated by the merger agreement; |

| • | the actual value of Huntington common stock to be issued in the merger; |

| • | the prices, trading range or volume at which Veritex common stock or Huntington common stock would trade following the public announcement of the merger or the prices, trading range or