Borrowings with original maturities of one year or less are classified as short-term and were comprised of the


(dollar amounts in millions)	At June 30, 2026	At December 31, 2025
Securities sold under agreements to repurchase	$—	$22
FHLB advances	2,700	1,000
Other borrowings	411	239
Total short-term borrowings	$3,111	$1,261

The carrying value of assets pledged as collateral against repurchase agreements totaled $40 million as of

December 31, 2025. There were no assets pledged as collateral against repurchase agreements as of June 30, 2026.

Assets pledged as collateral are reported in available-for-sale securities and held-to-maturity securities on the

Unaudited Consolidated Balance Sheets. The repurchase agreements have maturities within 60 days. No amounts


(dollar amounts in millions)	At June 30, 2026	At December 31, 2025
The Parent Company:
Senior Notes	$6,407	$5,514
Subordinated Notes	2,085	1,510
Total notes issued by the Parent Company	8,492	7,024
The Bank:
Senior Notes	3,174	3,192
Subordinated Notes	236	233
Total notes issued by the Bank	3,410	3,425
FHLB Advances	4,653	4,514
Credit linked notes (1)	1,250	1,161
Auto loan securitization trust (2)	428	600
Other	505	497
Total long-term debt	$18,738	$17,221

(1)As of June 30, 2026, the weighted average contractual interest rate on the CLNs was 5.53%. Huntington has elected the fair value option for these notes.

To the extent losses exceed certain thresholds, the principal and interest payable on the notes may be reduced by a portion of the Company's aggregate

net losses on the reference pool of loans, with losses allocated to note classes in reverse order of payment priority.

(2)Represents secured borrowings collateralized by auto loans with a weighted average rate of 5.21% due through 2029. See Note 16 - “Variable Interest

During the first quarter of 2026, Huntington issued $1.0 billion of fixed-to-floating rate senior and $750 million

of fixed-rate subordinated notes. The fixed-to-floating senior notes are due January 28, 2032 and bear an initial fixed

interest rate of 4.623%. Commencing January 28, 2031, the interest rate will reset to a floating rate equal to a

benchmark rate based on the Compounded SOFR Index Rate plus 99 basis points. The fixed-rate subordinated notes

During the first quarter of 2026, the Bank completed a CLN transaction whereby it issued $410 million of

unsecured credit linked notes to third-party investors. There are four classes of notes, each maturing in February

2034. One note class bears interest at a fixed rate of 4.550% and the remaining three note classes bear interest at a

floating rate equal to SOFR plus a spread rate that ranges from 1.00% to 8.65% (weighted average spread of 4.15%).

These notes transfer a portion of the risk of losses to third-party investors on an initial $3.5 billion reference pool of