Company: HBAN
Filing Date: 2025-08-15
Form Type: 424B3
Source: 0001140361-25-031511
Chunk: 24

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-08-15
Form: 424B3
Chunk 24
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OCC”). The initial filing of the regulatory applications with the Federal Reserve Board and the OCC occurred on July 14, 2025. Although neither Huntington nor Veritex knows of any reason why it cannot obtain these regulatory approvals in a timely manner, Huntington and Veritex cannot be certain when or if they will be obtained, or that the granting of these regulatory approvals will not involve the imposition of conditions on the completion of the merger or the bank merger. Expected Timing of the Merger Huntington and Veritex expect the merger to close in the fourth quarter of 2025. However, neither Huntington nor Veritex can predict the actual date on which the merger will be completed, or if the merger will be completed at all, because completion is subject to conditions and factors outside the control of both companies. Veritex must first obtain the approval of holders of Veritex common stock for the merger, and Huntington and Veritex must obtain necessary regulatory approvals and satisfy certain other closing conditions. Conditions to Completion of the Merger (page 73) As more fully described in the proxy statement/prospectus and in the merger agreement, the completion of the merger depends on a number of conditions being satisfied or, where legally permissible, waived. These conditions include:

| • | approval of the merger agreement by the shareholders of Veritex by the requisite Veritex vote; |

| • | the shares of Huntington common stock issuable pursuant to the merger agreement having been authorized for listing on the NASDAQ, subject to official notice of issuance; |

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| • | the effectiveness under the Securities Act of 1933, as amended, of the registration statement on Form S-4 of which this proxy statement/prospectus forms a part, and the absence of any stop order suspending the effectiveness of the registration statement or proceedings for that purpose initiated or threatened by the SEC and not withdrawn; |

| • | no order, injunction or decree issued by any court or governmental entity of competent jurisdiction or other legal restraint or prohibition preventing the consummation of the merger, the bank merger or any of the other transactions contemplated by the merger agreement being in effect, and no law, statute, rule, regulation, order, injunction or decree having been enacted, entered, promulgated or enforced by any governmental entity which prohibits or makes illegal consummation of the merger, the bank merger or any of the other transactions contemplated by the merger agreement; |

| • | all requisite regulatory approvals having