Company: HBAN
Filing Date: 2025-08-15
Form Type: 424B3
Source: 0001140361-25-031511
Chunk: 16

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-08-15
Form: 424B3
Chunk 16
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 federal income tax consequences of the merger, see the section entitled “Material U.S. Federal Income Tax Consequences of the Merger” beginning on page77. |

6

TABLE OF CONTENTS

| Q: | When is the merger expected to be completed? |

| A: | Huntington and Veritex expect to complete the merger in the fourth quarter of 2025. However, neither Huntington nor Veritex can predict the actual date on which the merger will be completed, or if the merger will be completed at all, because completion is subject to conditions and factors outside the control of both companies. Before we can complete the merger, Veritex must first obtain the approval of holders of Veritex common stock for the merger, and Huntington and Veritex must obtain necessary regulatory approvals and satisfy certain other conditions to completion of the merger. |

| Q: | What are the conditions to completion of the merger? |

| A: | The obligations of Huntington and Veritex to complete the merger are subject to the satisfaction or waiver of certain closing conditions contained in the merger agreement, including the receipt of required regulatory approvals and the expiration of statutory waiting periods without the imposition of any materially burdensome regulatory condition (as defined in “The Merger—Regulatory Approvals”), tax opinions, approval by holders of Veritex common stock of the Veritex merger proposal and other customary conditions. For more information, see the section entitled “The Merger Agreement—Conditions to Completion of the Merger” beginning on page73. |

| Q: | What happens if the merger is not completed? |

| A: | If the merger is not completed, holders of Veritex common stock will not receive any consideration for their shares of Veritex common stock in connection with the merger. Instead, Veritex will remain an independent public company, Veritex common stock will continue to be listed on the NASDAQ, and Huntington will not complete the issuance of shares of Huntington common stock pursuant to the merger agreement. In addition, if the merger agreement is terminated in certain circumstances, a termination fee of $56 million may be payable by Veritex to Huntington. See the section entitled “The Merger Agreement—Termination Fee” beginning on page75for a more detailed discussion of the circumstances under which a termination fee will be required to be paid. |

| Q: | Should I send in my Veritex stock certificates now? |

| A: | No. Please do not send in your stock certificates with your proxy