Issuer Free Writing Prospectus

Filed Pursuant to Rule 433

Registration Statement No. 333-232886

July 30, 2019

Huntington Bancshares Incorporated

2.625% Senior Notes Due August 6, 2024 (the “Notes”)

SUMMARY OF TERMS DATED JULY 30, 2019

 

Issuer		Huntington Bancshares Incorporated
Security		2.625% Senior Notes Due 2024
Note Type		Senior Notes
Legal Format		SEC Registered (Registration Statement No. 333-232886)
Aggregate Principal Amount Offered		$800,000,000
Minimum Denominations		$2,000
Minimum Increments		$1,000
Trade Date		July 30, 2019
Settlement Date		August 6, 2019 (T+5)
Maturity Date		August 6, 2024
Interest Payment Dates		Each February 6 and August 6, commencing on February 6, 2020
Reference Benchmark		UST 1.750% Notes, due July 31, 2024
Benchmark Yield		1.842%
Spread to Benchmark		T + 83 basis points
Reoffer Yield		2.672%
Coupon		2.625%
Redemption Provision		The Issuer may redeem the Notes, in whole or in part, on or after July 6, 2024, the date that is one month prior to the maturity date, at a redemption price equal to 100% of the principal amount of the Notes redeemed, plus accrued and unpaid interest thereon to the redemption date.
Price to Investors		99.781% of the face amount
Underwriting Discount		0.350% of the face amount
Listing		None
Joint Book-Running Managers		Goldman Sachs & Co. LLC BofA Securities, Inc. Citigroup Global Markets Inc. The Huntington Investment Company
Co-Managers		Credit Suisse Securities (USA) LLC MUFG Securities Americas Inc.
CUSIP Number		446150 AQ7
ISIN Number		US446150AQ78

The Issuer has filed a registration statement (File Number 333-232886) (including a prospectus) and a preliminary prospectus supplement with the Securities and Exchange Commission for the offering to which this communication relates. Before you invest, you should read the prospectus and the preliminary prospectus supplement related to that registration statement and other documents that the Issuer has filed with the Securities and Exchange Commission for more complete information about the Issuer and this offering. You may get these documents for free by visiting EDGAR on the website of the Securities and Exchange Commission at www.sec.gov. Copies of the prospectus, preliminary prospectus supplement and any subsequently filed prospectus supplement relating to the offering may be obtained from Goldman Sachs & Co. LLC, Attn: Prospectus Department, 200 West Street, New York, NY 10282, telephone: 866-471-2526, facsimile: 212-902-9316, email: prospectus-ny@ny.email.gs.com, BofA Securities, Inc., telephone: 800-294-1322, Citigroup Global Markets Inc., telephone: 800-831-9146.

Any disclaimer or other notice that may appear below is not applicable to this communication and should be disregarded. Such disclaimer or notice was automatically generated as a result of this communication being sent by Bloomberg or another email system.

 

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