Issuer Free Writing Prospectus
Filed Pursuant to Rule 433
Registration Statement No. 333-190078
July 30, 2013
Huntington Bancshares Incorporated
2.60% Senior Notes Due August 2, 2018 (the “Notes”)
SUMMARY OF TERMS DATED JULY 30, 2013
| Issuer | Huntington Bancshares Incorporated | |
| Security | 2.60% Senior Notes Due 2018 | |
| Expected Ratings* | Baa1/BBB/BBB+ (Stable/Positive/Positive) (Moody’s/S&P/Fitch) | |
| Note Type | Senior Notes | |
| Legal Format: | SEC Registered (Registration Statement No. 333-190078) | |
| Aggregate Principal Amount Offered | $400,000,000 | |
| Minimum Denominations | $2,000 | |
| Minimum Increments | $1,000 | |
| Trade Date | July 30, 2013 | |
| Settlement Date | August 2, 2013 (T+3) | |
| Maturity Date | August 2, 2018 | |
| Interest Payment Dates | Each February 2 and August 2, commencing on February 2, 2014 | |
| Reference Benchmark | 1.375% due July 31, 2018 | |
| Benchmark Yield | 1.393% | |
| Spread to Benchmark | T+125 basis points | |
| Reoffer Yield | 2.643% | |
| Coupon | 2.600% | |
| Redemption Provision | The Issuer may redeem the Notes, in whole or in part, on or after July 2, 2018, 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 | 99.800% of the face amount | |
| Listing | None | |
| Joint Book-Running Managers | Goldman, Sachs & Co. Merrill Lynch, Pierce, Fenner &
Smith | |
| Passive Book-Running Manager | The Huntington Investment Company | |
| CUSIP Number | 446150AH7 | |
| ISIN Number | US446150AH79 | |
| * | Note: A securities rating is not a recommendation to buy, sell or hold securities and may be subject to revision or withdrawal at any time. |
The Issuer has filed a registration statement (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 Merrill Lynch, Pierce, Fenner & Smith Incorporated, at (800) 294-1322 or dg.prospectus_requests@baml.com or Goldman, Sachs & Co., at (866) 471-2526 or prospectus-ny@gs.com.
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