Company: HBAN
Filing Date: 2025-08-08
Form Type: S-4/A
Source: 0001140361-25-029894
Chunk: 105

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-08-08
Form: S-4/A
Chunk 105
---
 generally alleging that the registration statement filed with the SEC on July 21, 2025, omits material information. The shareholders have demanded disclosure of certain additional information pertaining to certain financial projections of Veritex and Huntington, information with respect to KBW's analysis and other requested disclosure. Please see the section of this proxy statement/prospectus titled “Risk Factors—Since the initial filing on July 21, 2025, of the registration statement of which this proxy statement/prospectus is a part, Veritex and the 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.

<div align='center'>59</div>

#### 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