Company: HBAN
Filing Date: 2025-08-15
Form Type: 424B3
Source: 0001140361-25-031511
Chunk: 103

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-08-15
Form: 424B3
Chunk 103
---
 Veritex board of directors have received demand letters from purported stockholders of Veritex, which could result in litigation relating to the merger being filed against, Veritex, the board of directors of Veritex, and/or Huntington and the board of directors of Huntington, and additional demand letters may be received or litigation may be filed against them, which could prevent or delay the completion of the merger or otherwise negatively impact the business and operations of Huntington and Veritex” on page 19 of this proxy statement/prospectus for more information. Veritex believes the allegations in the demand letters are without merit.

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#### TABLE OF CONTENTS

### THE MERGER AGREEMENT
This section of the proxy statement/prospectus describes the material terms of the merger agreement. The description in this section and elsewhere in this proxy statement/prospectus is subject to, and qualified in its entirety by reference to, the complete text of the merger agreement, which is attached as

#### Annex A
to this proxy statement/prospectus and incorporated by reference herein. This summary does not purport to be complete and may not contain all of the information about the merger agreement that is important to you. We urge you to read the full text of the merger agreement, as it is the legal document governing the merger. This section is not intended to provide you with any factual information about Huntington or Veritex. Such information can be found elsewhere in this proxy statement/prospectus and in the public filings Huntington and Veritex make with the SEC, as described in the section entitled “Where You Can Find More Information” beginning on page 110 of this proxy statement/prospectus.

#### Explanatory Note Regarding the Merger Agreement
The merger agreement and this summary of terms are included to provide you with information regarding the terms of the merger agreement. Factual disclosures about Huntington and Veritex contained in this proxy statement/prospectus or in the public reports of Huntington or Veritex filed with the SEC may supplement, update or modify the factual disclosures about Huntington and Veritex contained in the merger agreement. The merger agreement contains representations and warranties by Huntington, on the one hand, and by Veritex, on the other hand, made solely for the benefit of the other. The representations, warranties and covenants made in the merger agreement by Huntington and Veritex were qualified and subject to important limitations agreed to by Huntington and Veritex in connection with negotiating the terms of the merger agreement