Company: HBAN
Filing Date: 2025-07-21
Form Type: S-4
Source: 0001140361-25-026508
Chunk: 26

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-07-21
Form: S-4
Chunk 26
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 • | Continued director and officer indemnification and liability insurance coverage in accordance with the terms of the merger agreement. |

For a more complete description of these interests, see “The Merger—Interests of Veritex’s Directors and Executive Officers in the Merger” beginning on page 50. Regulatory Approvals (page 55) Subject to the terms of the merger agreement, Huntington and Veritex have agreed to cooperate with each other and use reasonable best efforts to promptly prepare and file all documentation to obtain as promptly as practicable all permits, consents, approvals and authorizations of all third parties and governmental entities which are necessary or advisable to consummate the transactions contemplated by the merger agreement (including the merger and the bank merger), and to comply with the terms and conditions of all such permits, consents, approvals and authorizations of all such third parties and governmental entities. These approvals include, among others, the approval of the Board of Governors of the Federal Reserve System (“Federal Reserve Board”) and the Office of the Comptroller of the Currency (“OCC”). The initial filing of the regulatory applications with the Federal Reserve Board and the OCC occurred on July 14, 2025. Although neither Huntington nor Veritex knows of any reason why it cannot obtain these regulatory approvals in a timely manner, Huntington and Veritex cannot be certain when or if they will be obtained, or that the granting of these regulatory approvals will not involve the imposition of conditions on the completion of the merger or the bank merger. Expected Timing of the Merger Huntington and Veritex expect the merger to close 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. 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 closing conditions. Conditions to Completion of the Merger (page 72) As more fully described in the proxy statement/prospectus and in the merger agreement, the completion of the merger depends on a number of conditions being satisfied or, where legally permissible, waived. These conditions include:

| • | approval of the merger agreement by the shareholders of Veritex by the requisite Veritex vote; |

| • | the shares of Huntington common stock issuable pursuant to the merger agreement having