Company: HBAN
Filing Date: 2025-09-11
Form Type: 424B2
Source: 0001193125-25-200581
Chunk: 69

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-09-11
Form: 424B2
Chunk 69
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 otherwise. Accordingly, if the original issue date is more than one business day after the date on which the depositary
shares are priced, purchasers who wish to trade the depositary shares at any time prior to the first business day before delivery will be required, by virtue of the fact that the depositary shares initially will settle T + 2, to specify an alternate
settlement cycle at the time of any such trade to prevent a failed settlement. Purchasers of the depositary shares who wish to trade the depositary shares on the date of pricing of the depositary shares should also consult their own adviser.

Conflicts of Interest

Our affiliate,
Huntington Securities, Inc., is a member of FINRA and is participating in the distribution of the depositary shares. The distribution arrangements for this offering comply with the requirements of FINRA Rule 5121, regarding a FINRA member
firm’s participation in the distribution of securities of an affiliate. In accordance with that rule, no FINRA member firm that has a “conflict of interest,” as defined therein, may make sales in this offering to any discretionary
account without the prior approval of the customer.

Our affiliates, including Huntington Securities, Inc., may use this prospectus
supplement and the accompanying prospectus in connection with offers and sales of the depositary shares in the secondary market. These affiliates may act as principal or agent in those transactions. Secondary market sales will be made at prices
related to market prices at the time of sale.

Keefe, Bruyette & Woods, a Stifel Company, is serving as financial advisor to
Veritex in connection with the Veritex Transaction and is participating in the distribution of the depositary shares.

Selling Restrictions

European Economic Area

This prospectus supplement and the accompanying prospectus have been prepared on the basis that any offer of depositary shares in any Member
State of the European Economic Area (the “EEA”) (each, a “Relevant Member State”) will be made under an exemption under Regulation (EU) No. 2017/1129 (as amended, the “EU Prospectus Regulation”) from the
requirement to publish a prospectus for offers of the depositary shares. Accordingly any person making or intending to make an offer in that Relevant Member State of depositary shares which are the subject of the offering contemplated in this
prospectus supplement and the accompanying prospectus may only do so in circumstances in which no obligation arises for us or any of the underwriters to