Company: HBAN
Filing Date: 2025-09-11
Form Type: 424B2
Source: 0001193125-25-200581
Chunk: 55

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-09-11
Form: 424B2
Chunk 55
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 credit direct participants’ accounts on
the relevant payment date in accordance with their respective holdings shown on DTC’s records unless DTC has reason to believe that it will not receive payments on the payment date. Standing instructions and customary practices will govern
payments from participants to beneficial owners. Subject to any statutory or regulatory requirements, participants, and neither DTC nor we, will be responsible for the payment. We and any paying agent will be responsible for payment of distributions
to DTC. Direct and indirect participants are responsible for the disbursement of the payments to the beneficial owners.

DTC may
discontinue providing its services as securities depositary on any of the depositary shares at any time by giving reasonable notice to us. If a successor securities depositary is not obtained, final depositary shares certificates must be printed and
delivered. We may at our option decide to discontinue the use of the system of book-entry transfers through DTC (or a successor depositary). In this case, final certificates for the depositary shares will be printed and delivered.

We have obtained the information in this section about DTC and DTC’s book-entry system from sources that we believe to be accurate, but
we assume no responsibility for the accuracy of the information. We have no responsibility for the performance by DTC or its participants of their respective obligations as described in this prospectus supplement or under the rules and procedures
governing their respective operations.

“Beneficial owner” refers to the ownership interest of each actual purchaser of each
depositary share.

“Direct participants” refers to securities brokers and dealers, banks, trust companies, clearing
corporations and other organizations who, with the New York Stock Exchange, Inc. and the Financial Industry Regulatory Authority, Inc., own DTC. Purchases of depositary shares within the DTC system must be made by or through direct participants who
will receive a credit for the depositary shares on DTC’s records.

“Indirect participants” refers to others, like
securities brokers and dealers, banks and trust companies, that clear through or maintain custodial relationships with direct participants, either directly or indirectly, and who also have access to the DTC system.

S-33

CERTAIN U.S. FEDERAL INCOME TAX CONSIDERATIONS

General

The following is a general
summary of the material U.S. federal income tax consequences applicable to U.S. holders and non-U.S. holders (each as defined below) relevant to the purchase, ownership and disposition of