HBAN – 424B3 January 23, 2026 In SEC https://www.sec.gov/Archives/edgar/data/49196/000114036126002126/0001140361-26-002126-index.htm #HBAN Morgan Stanley Ranked #1 U.S. OCIO Provider in Inaugural Chestnut Institute Market Leader Awards Winter Storm Fern: Duke Energy has 18,000+ workers from 27 states and Canada ready to respond