Company: HBAN
Filing Date: 2025-09-11
Form Type: 424B2
Source: 0001193125-25-200581
Chunk: 24

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-09-11
Form: 424B2
Chunk 24
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 rate as of the most recent reset dividend determination date plus 2.653% during each                                                                         
 reset period, for each quarterly dividend period beginning on the First Reset Date and continuing indefinitely thereafter or until such Preferred Stock is redeemed or repurchased. |

Dividends will be paid quarterly, in arrears on January 15, April 15, July 15, and October 15 of each year commencing on January 15, 2026 (each, a “dividend payment date”), with respect to the dividend period, or portion thereof, ending on the day preceding the respective dividend payment date. Each period from and including a dividend date to, but excluding, the following dividend payment date is herein referred to as a “dividend period,” except that the initial dividend period will commence on and include the issue date and last to and include January 14, 2026. Each dividend will be payable to holders of record as they appear on our records at the close of business on the first day of the month in which the relevant dividend payment date occurs or such other date, not exceeding 30 days before the applicable dividend payment date, as shall be fixed by our board of directors or a duly authorized committee of our board of directors. Dividends on the Preferred Stock offered hereby will accrue from the issue date, which is expected to be September 11, 2025. If a dividend payment date is not a business day, then such date will nevertheless be a dividend payment date but dividends on the Preferred Stock, when, as and if declared, will be paid on the next succeeding business day (without adjustment in the amount of the dividend per share of the Preferred Stock). Dividends payable on the Preferred Stock will be computed on the basis of a 360-dayyear consisting of twelve 30-daymonths. A “reset date” means the First Reset Date and each date falling on the fifth anniversary of the preceding reset date. Reset dates, including the First Reset Date, will not be adjusted for business days. A “reset period” means the period from and including the First Reset Date to, but excluding, the next following reset date and thereafter each period from and including each reset date to, but excluding, the next following reset date. A “reset dividend determination date” means, in respect of any reset period, the day falling three business days prior to the beginning of such reset period. A “business day” means any day other than a Saturday, Sunday or any other day on which banks in New York