Issuer Free Writing Prospectus

Filed Pursuant to Rule 433

Registration Statement No. 333-212820

August 4, 2016

Final Term Sheet

Huntington Bancshares Incorporated

2.300% Senior Notes Due January 14, 2022 (the “Notes”)

S UMMARY OF T ERMS D ATED A UGUST  4, 2016

 

   
Issuer    Huntington Bancshares Incorporated
 
Security    2.300% Senior Notes Due 2022
 
Note Type    Senior Notes
 
Legal Format    SEC Registered (Registration Statement No. 333-212820)
 
Aggregate Principal Amount Offered    $1,000,000,000
 
Minimum Denominations    $2,000
 
Minimum Increments    $1,000
 
Trade Date    August 4, 2016
 
Settlement Date    August 9, 2016 (T+3)
 
Maturity Date    January 14, 2022
 
Interest Payment Dates    Each January 14 and July 14, commencing on January 14, 2017
 
Reference Benchmark    UST 1.125% Notes, due July 31, 2021
 
Benchmark Yield    1.030%
 
Spread to Benchmark    T+130 basis points
 
Reoffer Yield    2.330%
 
Coupon    2.300%
 
Redemption Provision    The Issuer may redeem the Notes, in whole or in part, on or after December 14, 2021, 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    99.849% of the face amount
 
Underwriting Discount    0.350% of the face amount
 
Listing    None
 
Joint Book-Running Managers   

Goldman, Sachs & Co.

Credit Suisse Securities (USA) LLC

Deutsche Bank Securities Inc.

The Huntington Investment Company


   
Co-Managers   

Keefe, Bruyette & Woods, Inc.

Sandler O’Neill & Partners, L.P.

 
CUSIP Number    446150 AK0
 
ISIN Number    US446150AK09

The Issuer has filed a registration statement (File Number 333-212820) (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., 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, Credit Suisse Securities (USA) LLC, Attn: LCD-IBCM, Eleven Madison Avenue New York, NY 10010, telephone: 1-800-221-1037 and Deutsche Bank Securities Inc., Attn: Prospectus Group, 60 Wall Street, New York, NY 10005-2836, telephone: 800-503-4611, e-mail: prospectus.CPDG@db.com.

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