Prospectus excerpt:  Huntington Bancshares Incorporated is offering 13,000,000 depositary shares, each representing a 1/40th ownership interest in a share of 6.875% Series J Non-Cumulative Perpetual Preferred Stock, par value $0.01 per share, with a liquidation preference of $1,000 per share (equivalent to $25 per depositary share) (the “Preferred Stock”). As a holder of depositary shares, you will be entitled to all proportional rights and preferences of the Preferred Stock (including dividend, voting, redemption, liquidation and other rights). You must exercise such rights through Computershare Trust Company, N.A. and Computershare Inc., jointly as the depositary for the shares of the Preferred Stock. Dividends on the Preferred Stock will be payable when, as and if authorized by our board of directors or a duly authorized committee of our board of directors and declared by us out of legally available funds. From the issue date to, but excluding, April 15, 2028, dividends on the Preferred Stock will accrue on a non-cumulative basis at a rate of 6.875% per annum on the liquidation preference of $1,000 per share (equivalent to $25 per depositary share), payable quarterly, in arrears, on the fifteenth day of each January, April, July and October, commencing on July 15, 2023 and ending on April 15, 2028 (or the next business day if any such date is not a business day). From and including April 15, 2028, for each reset period, dividends on the Preferred Stock will accrue on a non-cumulative basis at the five-year treasury rate as of the most recent reset dividend determination date (as defined elsewhere in this prospectus supplement) plus 2.704% for each reset period on the liquidation preference of $1,000 per share (equivalent to $25 per depositary share), payable quarterly, in arrears, on the fifteenth day of each January, April, July and October, commencing on July 15, 2028 (or the next business day if any such date is not a business day).