Company: HBAN
Filing Date: 2025-09-11
Form Type: 424B2
Source: 0001193125-25-200581
Chunk: 74

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-09-11
Form: 424B2
Chunk 74
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 their offer or resale to, persons in the UK other than qualified 
 investors, as that term is defined in the UK Prospectus Regulation, or in circumstances in which the prior consent of the underwriters has been given to the offer or resale; or (ii) where depositary shares have been acquired by it on behalf of  
 persons in the UK other than qualified investors, the offer of those depositary shares to it is not treated under the FSMA or the UK Prospectus Regulation as having been made to such persons. In this section,                                     |

S-45

| 1. | the expression “offer of depositary shares” to the public in relation to any depositary shares in                                                                                                                                                 
 the UK means the communication in any form and by any means of sufficient information on the terms of the offer and the depositary shares to be offered so as to enable an investor to decide to purchase or subscribe for the depositary shares. |

| 2. | the expression “UK Prospectus Regulation” means Regulation (EU) 2017/1129 as it forms part of 
 domestic law by virtue of the European Union (Withdrawal) Act 2018.                           |

| 3. | the expression “FSMA” means the Financial Services and Markets Act 2000 (as amended). |

Each underwriter has represented, warranted and agreed that,

| (a) | it has complied and will comply with all applicable provisions of the FSMA with respect to anything done by it 
 in relation to the depositary shares in, from or otherwise involving the UK; and                               |

| (b) | it has only communicated or caused to be communicated and will only communicate or cause to be communicated an                                                                                                                                 
 invitation or inducement to engage in investment activity (within the meaning of Section 21 of the FSMA) received by it in connection with the issue or sale of the depositary shares in circumstances in which Section 21(1) of the FSMA does 
 not apply to us.                                                                                                                                                                                                                               |

This document is for distribution only to persons who (i) have professional experience in matters relating to investments falling within Article 19(5) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 (as amended, the “Financial Promotion Order”), (ii) are persons falling within Article 49(2)(a) to (d) (“high net worth companies, unincorporated associations etc.”) of the Financial Promotion Order, (iii) are outside the