Exhibit 10.3
Huntington Bancshares Incorporated
Restricted Stock Unit Grant Agreement

2018 RESTRICTED STOCK UNIT GRANT AGREEMENT
Employee Name:    Participant Name

Number of Restricted Stock Units Subject to Grant:    Number of Awards Granted

Date of Grant:    

Closing Price on Date of Grant:    

THIS RESTRICTED STOCK UNIT GRANT AGREEMENT (this “Agreement”) is made as of the
date in the box above labeled “Date of Grant” by Huntington Bancshares
Incorporated, a Maryland corporation and its subsidiaries (the “Company”), and
is hereby communicated to the employee named in the box above (the “Employee”).
Undefined capitalized terms used in this Agreement shall have the meanings set
forth in the Company’s 2018 Long-Term Incentive Plan as may be amended from time
to time (the “Plan”).

WHEREAS, the Company maintains the Plan.

WHEREAS, pursuant to Article 8 of the Plan, the Committee may grant awards of
Restricted Stock Units to employees, and have such grants settled in shares of
the Company’s common stock, without par value (“Shares”).

WHEREAS, the Company desires to compensate the Employee with a grant of
Restricted Stock Units to provide an incentive for the Employee to continue to
perform future services to the Company.

NOW, THEREFORE, in consideration of the premises, the Company grants the
Employee an Award of Restricted Stock Units under the following terms and
conditions:

1.
Grant of Restricted Stock Units.

The Company, by authority of the Committee, hereby grants to the Employee an
Award of the number of Restricted Stock Units identified above (the “Grant”) to
be issued in accordance with all of the terms and conditions set forth in this
Agreement and the Plan. The Restricted Stock Units will be a bookkeeping entry
(the “RSU Account”), and each Restricted Stock Unit shall be equivalent to one
Share. All terms and conditions set forth in the Plan are deemed to be
incorporated herein in their entirety.

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a18ahbrsurnbrsdrsxv2image1.gif [a18ahbrsurnbrsdrsxv2image1.gif] Huntington
Bancshares Incorporated
Restricted Stock Unit Grant Agreement

2.
Employee RSU Account.

The number of Restricted Stock Units granted pursuant to this Agreement shall be
credited to the Employee’s RSU Account. Each RSU Account shall be maintained on
the books of the Company until full payment of the balance thereof has been made
to the Employee (or the Employee’s beneficiaries if the Employee is deceased).
No funds shall be set aside or earmarked for any RSU Account, which shall be
purely a bookkeeping device.

3.
Vesting Provisions.

(a)    General. The Employee’s RSUs shall vest only if the Employee satisfies
the service-based vesting requirements in subsections (b), (c), (d) or (e)
below, as applicable.

(b)    General Continuous Service Requirement, Voluntary Termination, and
Termination for Reasons Other Than for Cause. Except as provided in this
Agreement and the Plan, the Employee's Restricted Stock Units shall vest as
follows:

(1)    If the Employee is continuously employed by the Company through the third
anniversary of the Date of Grant, 50% of the Employee's Restricted Stock Units
in the Employee's Restricted Stock Unit Account will vest on such date.

(2)    If the Employee is continuously employed by the Company through the
fourth anniversary of the Date of Grant, the remaining 50% of the Employee's
Restricted Stock Units in the Employee's Restricted Stock Unit Account will vest
on such date.

(c)    Early Retirement, Disability, and Termination for Reasons Other Than for
Cause. Notwithstanding any provision in Section 3(b) above to the contrary, if,
before the fourth anniversary of the Date of Grant, (1) the Employee’s
employment or service with the Company terminates because of Early Retirement,
(2) the Employee’s employment or service with the Company terminates because of
Disability (as defined in Section 2.16 of the Plan), or (3) the Company
terminates the Employee without Cause (as defined in Article 2.5 of the Plan),
the Employee shall vest in a prorated number of Shares (with any fractional
Shares rounded up to the next whole number) equal to the number of Restricted
Stock Units subject to Grant times a fraction as provided in (1) and (2) below:

(1)    If the Employee terminates service before the third anniversary of the
Date of Grant, the numerator of the fraction shall be the number, which in no
event shall be greater than 36, of all full and partial months (with partial
months being counted as full months) that passed beginning with the month that
contains the Date of Grant and ending with the month in which the Employee’s
termination occurred. The denominator of the fraction shall be 72.

(2)    If the Employee terminates service after the third anniversary of the
Date of Grant but before the fourth anniversary of the Date of Grant, the
numerator of the fraction shall be the number, which in no event shall be
greater than 12, of all full and

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a18ahbrsurnbrsdrsxv2image1.gif [a18ahbrsurnbrsdrsxv2image1.gif] Huntington
Bancshares Incorporated
Restricted Stock Unit Grant Agreement

partial months (with partial months being counted as full months) that passed
beginning with the month that contains the third anniversary of the Date of
Grant and ending with the month in which the Employee's termination occurred.
The denominator of the fraction shall be 24. The number of shares in which the
Employee vests under this subsection (c)(2) shall vest in addition to the number
of shares previously vested under subsection (b)(1) above.

For purposes of this Agreement and notwithstanding any provision of the Plan,
including Section 2.39 of the Plan, to the contrary, "Early Retirement" means
that the Employee has terminated service with the Company for any reason other
than Cause on or after attainment of age 55 and completion of at least 10 years
of service.

(d)    Normal Retirement. Notwithstanding any provision in Section 3(b) or 3(c)
above to the contrary, if, before the fourth anniversary of the Date of Grant,
the Employee's employment or service with the Company terminates for any reason
other than Cause after attainment of age 59 ½ and 4 years of service (“Normal
Retirement”), the Employee’s service shall be deemed to have terminated on the
fourth anniversary of the Date of Grant so that the Employee’s Restricted Stock
Units shall be deemed to become 50% vested on the third anniversary of the Date
of Grant and fully vested on the fourth anniversary of the Date of Grant.

(e)    Death. Notwithstanding any provision in Section 3(b), 3(c), or 3(d) above
to the contrary, if, before the fourth anniversary of the Date of Grant, the
Employee’s employment or service with the Company terminates due to the
Employee’s death, or if the Employee dies after Normal Retirement, the Employee
shall become immediately vested in 100% of the Restricted Stock Units.
Notwithstanding the foregoing, if the Employee’s employment or service with the
Company previously terminated due to the Employee’s Early Retirement, and the
Employee dies after Early Retirement, Section 3(c) of this Agreement will
continue to apply, and any unvested Restricted Stock Units will not become
vested under this Section 3(e).

4.
Forfeiture Provisions.

(a)    General Forfeiture. To the extent the Employee fails to satisfy the
vesting conditions of Section 3 of this Agreement, the Employee’s RSUs shall be
forfeited.

(b)    Recoupment/Clawback Policy. Notwithstanding any provision of this
Agreement to the contrary, the Committee may cause the Employee to forfeit all
unvested RSUs and require repayment of any amount previously paid under this
Agreement in accordance with the terms of the Huntington Bancshares Incorporated
Recoupment/Clawback Policy (“the Policy”), any other applicable policy of the
Company, and any other applicable laws and regulations. The Policy is available
on the Risk Management and Corporate Policy home page of the Huntington
intranet.

(c)    For Cause Termination. Notwithstanding anything herein to the contrary,
in the event that the Employee's employment is terminated for Cause, the
Employee shall forfeit any RSUs that were not previously vested before the date
of termination. Additionally, if the Employee’s termination of service may
qualify as either a termination due to Early Retirement, Normal

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a18ahbrsurnbrsdrsxv2image1.gif [a18ahbrsurnbrsdrsxv2image1.gif] Huntington
Bancshares Incorporated
Restricted Stock Unit Grant Agreement

Retirement, death, or Disability, the Employee’s termination shall be considered
a termination for Cause, and the Employee shall forfeit all rights under this
Agreement.

(d)    Plan Governs. This RSU grant is subject to acceptance of all the terms,
conditions and limitations of the Plan. The Plan may be amended from time to
time, including but not limited to provisions on tax withholding and forfeiture.
This RSU grant is subject to such rules and regulations that the Committee may
adopt for administration of the Plan, and to all applicable laws, rules and
regulations, and to such approvals by any governmental agencies or national
securities exchanges as may be required.

5.
Change in Control.

Notwithstanding any provision to the contrary, upon the occurrence of a Change
in Control, the Employee shall become immediately vested in 100% of the
Restricted Stock Units in the Employee’s RSU Account if:

(a)    within 12 months after a Change in Control occurs, the Employee’s service
has been terminated by the Company (provided that such termination is for a
reason other than for Cause); or

(b)     the Company previously terminated the Employee’s service without Cause
(i) during the year before the Change in Control was consummated but (ii) after
a third party or the Company had taken steps reasonably calculated to effect a
Change in Control. In addition to items (i)-(ii) above, the Employee also must
reasonably demonstrate that such termination of service was in connection with
or in anticipation of the Change in Control.

6.
Issuance of Stock.

The Company, or its transfer agent, will convert the Restricted Stock Units in
the Employee’s RSU Account into Shares (including whole and fractional shares)
and, unless the Employee made an election to defer the receipt of Shares,
deliver the total number of Shares due to the Employee within 60 days after the
date the Restricted Stock Units vest or as soon as administratively possible
after such date, except as otherwise provided in Section 14 below. However,
notwithstanding any provision to the contrary, if, in the reasonable
determination of the Company, the Employee is a “specified employee” for
purposes of Section 409A of the Internal Revenue Code of 1986, as amended, and
the guidance promulgated thereunder (“Code Section 409A”), then, if necessary to
avoid the imposition on the Employee of excise tax and interest under Code
Section 409A, the Company shall not deliver the Shares otherwise payable upon
the Employee’s termination and separation of service until the date that is 30
days after 6 months following the Employee’s termination and separation of
service from the Company. The delivery of the Shares shall be subject to payment
of the applicable withholding tax liability as set forth in Section 8. If the
Employee dies before the Company has distributed any portion of the vested
Restricted Stock Units, the Company will transfer any Shares payable with
respect to the vested Restricted Stock Units in accordance with the Employee’s
written beneficiary designation or to the Employee’s estate if no written
beneficiary designation is provided. If the Employee did not have a will, any

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a18ahbrsurnbrsdrsxv2image1.gif [a18ahbrsurnbrsdrsxv2image1.gif] Huntington
Bancshares Incorporated
Restricted Stock Unit Grant Agreement

Shares payable with respect to the vested Restricted Stock Units will be
distributed in accordance with the laws of descent and distribution.

7.
Election to Defer Receipt of Shares.

If the Employee is eligible to participate in the Huntington Bancshares
Incorporated Executive Deferred Compensation Plan, or any successor thereto (the
"Deferred Compensation Plan"), the Employee may defer the receipt of Shares
relating to the RSUs beyond the date the Shares otherwise would be payable under
this Agreement and under the rules and procedures established by the Company
under the Deferred Compensation Plan. The Employee's election to defer receipt
of such Shares shall be made on a form provided by the Company, which shall
specify the amount of Shares to be deferred and the distribution date for such
Shares. The Employee may elect to defer receipt of such Shares until the earlier
of: (i) the date of the Employee's Separation from Service, (ii) the date of the
Employee's retirement (as defined under the Deferred Compensation Plan), or
(iii) the Employee’s specified date of payment. Elections to defer will become
irrevocable in accordance with the terms of the Deferred Compensation Plan and
with Code Section 409A. Notwithstanding anything to the contrary in this
Agreement, Shares will not be issued and the Employee shall have no voting
rights of a stockholder in the Company to the extent that the Employee has
elected to defer the issuance and receipt of such Shares; provided, however,
that the Employee shall continue to receive dividend equivalent credits during
the period of deferral credited to the RSU Account at such times as provided in
this Agreement.

8.
Withholding Taxes.

The Company shall have the power and the right to deduct or withhold, or require
the Employee to remit to the Company, an amount sufficient to satisfy federal,
state, and local taxes, domestic or foreign, required by law or regulation to be
withheld with respect to any taxable event arising as a result of this
Agreement. Tax and any other necessary withholding obligations shall be
satisfied in a manner consistent with Article 19 of the Plan.

9.
Non-transferability of Grant.

During any Period(s) of Restriction, the Employee shall have no right to
transfer, sell, pledge, assign, or hypothecate, other than by will or the laws
of descent and distribution, any rights with respect to the Employee's Award of
RSUs. No RSU shall be subject to execution, attachment, or similar process.

10.
Employee’s Rights Unsecured.

The right of the Employee or his or her beneficiary to receive a distribution
hereunder shall be an unsecured claim against the general assets of the Company,
and neither the Employee nor his or her beneficiary shall have any rights in or
against any amounts credited to the Employee’s RSU Account or any other specific
assets of the Company. All amounts credited to the Employee’s RSU Account shall
constitute general assets of the Company and may be disposed of by the Company
at such time and for such purposes, as it may deem appropriate.

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a18ahbrsurnbrsdrsxv2image1.gif [a18ahbrsurnbrsdrsxv2image1.gif] Huntington
Bancshares Incorporated
Restricted Stock Unit Grant Agreement

11.
No Voting Rights as Stockholder.

Until the Restricted Stock Units have vested and Shares have been issued,
Employee shall not have any voting rights as a stockholder of the Company with
respect to the Restricted Stock Units.

12.
Dividends.

To the extent that cash dividends are paid on Shares after the Date of Grant and
before the date the Employee receives the Shares subject to this Grant, the
Employee’s RSU Account will be credited with an additional number of Restricted
Stock Units to reflect reinvested dividend equivalents with respect to the
period of time between the Date of Grant and the delivery of Shares under this
Agreement.  Such dividend equivalent credits will be equal in value (based on
the reported dividend rate on the date dividends were paid) to the amount of
dividends paid on the Shares represented by the Restricted Stock Units in the
Employee’s RSU Account. The Employee’s RSU account will be credited with whole
and fractional RSUs equal to the dollar amount of the reinvested dividend
equivalents based on the Fair Market Value on the dividend payment dates. The
Employee shall vest in the additional Restricted Stock Units in accordance with
Section 3 of the Agreement in the same manner that the Employee vests in the
original grant of Restricted Stock Units held in the RSU Account.  These
additional Restricted Stock Units will be distributed in whole and fractional
Shares in accordance with Section 6 of this Agreement. 

13.
Capital Adjustment Provisions.

In the event of a stock split, stock dividend, spin off, merger, or other event
described in Section 4.3 of the Plan, the number of Restricted Stock Units in
the Employee’s RSU Account shall be adjusted in accordance with the provisions
of Section 4.3 of the Plan.

14.
Securities Law Compliance.

The delivery of all or any of the Shares shall only be effective at such time
that the issuance of such Shares will not violate any state or federal
securities or other laws. The Company is under no obligation to effect any
registration of Shares under the Securities Act of 1933 or to effect any state
registration or qualification of the Shares. The Company may, in its sole
discretion, delay the delivery of the Shares or place restrictive legends on
such Shares in order to ensure that the issuance of any Shares will be in
compliance with federal or state securities laws and the rules of the NASDAQ
Global Select or any other exchange upon which the Company's common stock is
traded. If the Company delays the delivery of the Shares in order to ensure
compliance with any state or federal securities or other laws, the Company shall
deliver the Shares at the earliest date at which the Company reasonably believes
that such delivery will not cause such violation, or at such other date that may
be permitted under Code Section 409A.

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a18ahbrsurnbrsdrsxv2image1.gif [a18ahbrsurnbrsdrsxv2image1.gif] Huntington
Bancshares Incorporated
Restricted Stock Unit Grant Agreement

15.
Plan Governs.

The Grant is subject to acceptance of all the terms, conditions and limitations
of the Plan, including Article 20 with respect to forfeitures. The Plan may be
amended from time to time, including but not limited to provisions on tax
withholding and forfeiture. This Grant is subject to such rules and regulations
that the Committee may adopt for administration of the Plan, and to all
applicable laws, rules and regulations, and to such approvals by any
governmental agencies or national securities exchanges as may be required. In
the event of a conflict between one or more provisions of this Agreement and one
or more provisions of the Plan, the provisions of the Plan shall govern.
Notwithstanding the foregoing, as a condition to receiving this Award, the
Employee acknowledges that in the event of a conflict between Section 21 of this
Agreement and the governing law and jurisdictional terms of the Plan, Section 21
of this Agreement shall govern. A copy of the Plan is available upon request by
contacting the Human Resources Department at the Company’s executive offices.

16.
No Right to Continued Employment.

The Employee understands and agrees that this Agreement does not impact in any
way the right of the Company to terminate or change the terms of the employment
of Employee at any time for any reason whatsoever, with or without Cause, nor
confer upon any right to continue in the employ of the Company.

17.
Addresses for Notices.

Any notice to be given to the Company under the terms of this Agreement shall be
addressed to the Company, in care of the Compensation Director, at Huntington
Bancshares Incorporated, Huntington Center, HC0318, 41 S. High Street, Columbus,
Ohio 43287, or at such other address as the Company may hereafter designate in
writing. Any notice to be given to the Employee shall be addressed to the
Employee at the address maintained on the books and records of the Company.

18.
Captions.

Captions provided herein are for convenience only and are not to serve as a
basis for interpretation or construction of this Notice.

19.
Notice Severable.

In the event that any provision in this Agreement shall be held invalid or
unenforceable, such provision shall be severable from, and such invalidity or
unenforceability shall not be construed to have any effect on, the remaining
provisions of this Agreement.

20.
Expenses.

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a18ahbrsurnbrsdrsxv2image1.gif [a18ahbrsurnbrsdrsxv2image1.gif] Huntington
Bancshares Incorporated
Restricted Stock Unit Grant Agreement

Costs of administration of the terms and conditions of this Agreement will be
paid by the Company.

21.
Governing Law and Exclusive Jurisdiction.

(a)    General. Notwithstanding any particular state’s conflict of laws rules or
provisions and to the extent permitted by federal law, this Agreement shall be
interpreted, construed, and enforced pursuant to and in accordance with the laws
of the State of Ohio. Except for the two specific circumstances set forth below,
the parties agree to submit all disputes arising out of or in connection with
this Award Agreement to the exclusive jurisdiction of the Court of Common Pleas,
Franklin County, Ohio, or the federal courts of Ohio. Employee expressly
consents to the personal jurisdiction of the state and federal courts of Ohio
for any lawsuit filed there against Employee by the Company arising from or
relating to this Award Agreement. Employee further agrees that the Court of
Common Pleas, Franklin County, Ohio and the federal courts of Ohio are proper
venues for any resolution of disputes in connection with or arising out of this
Award Agreement.

(b)    Exceptions. Notwithstanding the general requirements in subsection (a)
above, (1) Employee agrees that the Company, and only the Company, at its sole
discretion, may seek injunctive or other equitable relief to enforce the terms
of this Agreement in any court of competent jurisdiction, and (2) this Agreement
and its Governing Law and Exclusive Jurisdiction provisions are not intend to
and shall not foreclose the jurisdiction of any FINRA mandated arbitration nor
prohibit or restrict any registered representatives and employees of registered
investment advisors from requesting arbitration of a dispute in the FINRA
arbitration forum as specified in FINRA Rules, provided that nothing in this
Agreement shall prevent the Company from seeking injunctive relief in any court
of competent jurisdiction.

22.
Entire Notice; Amendment; Code Section 409A Provisions.

This Agreement and the Plan contain the terms and conditions with respect to the
subject matter hereof and supersede any previous agreements, written or oral,
relating to the subject matter hereof. This Agreement shall be interpreted in
accordance with Code Section 409A. This Agreement shall be deemed to be modified
to the maximum extent necessary to be in compliance with Code Section 409A’s
rules. If the Employee is unexpectedly required to include in the Employee’s
current year’s income any amount of compensation relating to the Restricted
Stock Units because of a failure to meet the requirements of Code Section 409A,
then to the extent permitted by Code Section 409A, the Employee may receive a
distribution of Shares or cash in an amount not to exceed the amount required to
be included in income as a result of the failure to comply with Code Section
409A.

RESTRICTIVE COVENANTS

After review of this Agreement, the Employee will be required to accept the
terms and conditions of the grant. If this Agreement is not accepted within 45
days of the distribution of this document, then the grant will be subject to
forfeiture.

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a18ahbrsurnbrsdrsxv2image1.gif [a18ahbrsurnbrsdrsxv2image1.gif] Huntington
Bancshares Incorporated
Restricted Stock Unit Grant Agreement

Non-Solicitation Provision

By accepting this Agreement and the grant listed herein, the Employee agrees
that during his or her employment with Huntington and for a period of one year
after such employment ceases, either voluntarily or involuntary for any reason,
he or she will not, either directly or indirectly:

1.
Solicit, encourage, or induce any person employed by the Company, or attempt to
solicit, encourage or induce any person employed by the Company, to terminate
his or her employment with the Company or to seek or accept employment with any
other person or entity; or

2.
Contact or attempt to contact any customer or prospective customer of the
Company for whom the Employee performed any services or had any direct or
indirect business contact for the purposes of identifying his or her new
association or his or her change of employment or current affiliation; or

3.
Contact any customer of the Company for whom the Employee performed any services
or had any direct or indirect business contact for the purpose of soliciting,
influencing, enticing, attempting to divert, or inducing any such customers to
obtain any product or service offered by the Company from any person or entity
other than the Company; or

4.
Contact any customer or prospective customer of the Company whose identity or
other customer specific information the Employee obtained or gained access to as
an employee of Company for the purpose of soliciting, influencing, enticing,
attempting to divert, or inducing any such customers or prospective customers to
obtain any product or service provided by the Company from any person or entity
other than the Company; or

5.
Accept or provide assistance in the accepting of business from any customers or
any prospective customers of the Company for whom the Employee performed any
services or had any direct or indirect business contact, or whose identity or
other customer specific information the Employee obtained or gained access to as
an employee of the Company.

Notwithstanding the foregoing non-solicitation provisions of this Agreement, if
the Employee separates employment within one year following a Change in Control
that is not pursuant to a transaction approved by the Huntington Bancshares
Incorporated Board of Directors, then the Employee’s obligations will cease as
of the date of his or her employment termination.

Confidential Information

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a18ahbrsurnbrsdrsxv2image1.gif [a18ahbrsurnbrsdrsxv2image1.gif] Huntington
Bancshares Incorporated
Restricted Stock Unit Grant Agreement

By accepting this Agreement and the Award listed herein, Employee acknowledges
and agrees at all times, to keep in strict confidence, and not to, either
directly or indirectly, disclose, make known, divulge, reveal, furnish, make
available, or use or authorize the disclosure or use of any confidential,
proprietary and/or trade secret information of the Company (“Confidential
Information”) except as is expressly authorized in writing by the Company.
Employee agrees that Employee’s obligation of confidentiality under this
Agreement shall survive the termination of employment by the Company, whether
such termination is voluntary or involuntary. Confidential Information includes,
but is not limited to, any and all information, whether or not meeting the legal
definition of a trade secret as defined by the Uniform Trade Secrets Act as
adopted in Ohio, Ohio Rev. Code §§ 1333.61(D) through 1333.69 and/or the Defend
Trade Secrets Act, 18 U.S.C. § 1836, et seq., and any and all information
concerning any and all Confidential Information belonging to the Company
acquired from any customer or prospective customer of the Company. Confidential
Information also includes processes, policies, procedures, agreements,
contracts, information relating to mergers and acquisitions, contracts under
negotiation, system documentation, special hardware and/or software, technology
developments and computer systems, business techniques, training materials,
programs, manuals, formulas, methods and machines, financial information,
compilations and lists, business plans and methods, market strategies and plans,
products and/or services, sales figures, pricing information, costs, budgets,
financial performance and projections, strategic plans and forecasts and any
other business or financial information or plans that are developed, owned,
utilized, or maintained by the Company and that of its customers or suppliers;
information regarding the persons, suppliers, vendors and/or organizations with
whom the Company has business relationships and the substance of those
relationships; marketing plans, proposals, knowledge, information and
strategies; information regarding any customer and/or prospective customer,
including names, addresses, telephone numbers, email addresses, lists or any
other identifying or contact information, account or transactional information,
and other personal, business or financial information regarding any such
customer or prospective customer; information related to employee compensation
schemes or employee development; personnel information (including but not
limited to employee personnel files, performance information, benefit and health
information, employee lists and payroll records) and all other information about
employees and independent contractors; all other non-public information that
might be of use to competitors, or harmful to the Company or its customers or
prospective customers.

Confidential Information as used herein includes any nonpublic information
learned during conversations, meetings, telephone calls or any other forms of
communication and/or information committed to memory. Confidential Information
is maintained in written, electronic and/or other forms and includes any such
information that Employee may prepare or create during employment on behalf of
the Company, as well as such information that has been or may be created by
others. Confidential Information does not include information that is generally
known to the public or that has been made known to the public through no fault
of Employee.

Employee acknowledges and agrees that Confidential Information is owned by the
Company and Employee has no ownership or right to the Confidential Information
even if Employee helped to collect or develop the Confidential Information.
Employee hereby waives and agrees not to assert any claim of ownership or other
interest in Confidential Information.

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a18ahbrsurnbrsdrsxv2image1.gif [a18ahbrsurnbrsdrsxv2image1.gif] Huntington
Bancshares Incorporated
Restricted Stock Unit Grant Agreement

Employee further agrees to comply with all other policies and procedures of the
Company for protecting Confidential Information. Employee agrees that in the
event Employee receives a request for Confidential Information by anyone not
employed by the Company or by an employee of or a consultant to the Company in
regard to any such Confidential Information, that Employee will promptly notify
the Company of such request and refrain from knowingly divulging, revealing,
furnishing or otherwise using such Confidential Information in response to such
a request.

Employee understands that pursuant to the federal Defend Trade Secrets Act, 18
United States Code § 1839, Employee will not be held criminally or civilly
liable under any federal or state trade secret law for the disclosure of a trade
secret that: (1) is made (a) in confidence to a Federal, state, or local
government official, either directly or indirectly, or to an attorney, and (b)
solely for the purpose of reporting or investigating a suspected violation of
law; or (2) is made in a complaint or other document filed in a lawsuit or other
proceeding, if such filing is made under seal. Employee also understands that an
individual who files a lawsuit for retaliation by an employer for reporting a
suspected violation of law may disclose the employer’s trade secrets to the
attorney and use the trade secret information in the court proceeding if the
individual: (a) files any document containing the trade secret under seal; and
(b) does not disclose the trade secret, except pursuant to court order.

Employee also understands that nothing in this Agreement shall be construed to
limit Employee’s right to respond accurately and fully to any question, inquiry
or request for information when required by legal process or from initiating
communications directly with, or responding to any inquiry from, or providing
testimony before, any self-regulatory organization or state or federal
regulatory authority, regarding the Company, Employee’s employment, or this
Agreement. Employee understands that Employee is not required to contact the
Company regarding the subject matter of any such communications before engaging
in such communications.

Non-Competition Provision

By accepting this Agreement and the Award listed herein, the Employee agrees
that if the Employee’s service terminates because of Normal Retirement, the
Restricted Stock Units that continue to vest under this Agreement will become
vested only if after the Date of Grant and through the fourth anniversary of the
Date of Grant, he or she will not accept employment with or perform any
competing services (to include, recruiting, financial modeling, vendor
relationship management, and/or providing services that draw upon his or her
knowledge of Huntington proprietary information) for any bank or bank affiliated
broker dealer, or other entity that competes with any line of business of the
Company, that has any material operations in any of Huntington’s footprint
states (Ohio, Illinois, Indiana, Kentucky, Michigan, Pennsylvania, West
Virginia, Wisconsin, and any additional footprint states that may arise from
mergers or acquisitions, corporate reorganizations, or related activities after
the Date of Grant). Employee acknowledges that the time period, geographic
scope, and scope of services covered by this Non-Competition Provision is
reasonable in light of the confidential and proprietary information to which
Employee had access while employed by the Company. “Material operations” means
that it has more than 5% market share in any of Huntington’s footprint states.
“Bank affiliated” means owned by a bank or a bank

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a18ahbrsurnbrsdrsxv2image1.gif [a18ahbrsurnbrsdrsxv2image1.gif] Huntington
Bancshares Incorporated
Restricted Stock Unit Grant Agreement

holding company. The Employee agrees and acknowledges that for purposes of this
Paragraph, “employment” and/or “perform any competing services” shall mean that
the Employee is engaged as an agent, employee, director, owner, partner or
consultant by any bank or bank affiliated broker dealer. If, and to the extent
that, the Employee violates the terms of this non-competition provision, the
continued vesting of the Employee’s Restricted Stock Units shall immediately
cease, and the Employee shall forfeit any unvested Restricted Stock Units.

Notwithstanding the foregoing restrictive covenants of this Agreement, if
Employee separates employment within one year following a Change in Control that
is not pursuant to a transaction approved by the Huntington Bancshares
Incorporated Board of Directors, then Employee’s obligations will cease as of
the date of his or her employment termination.

Notice Period

By accepting this Agreement and the Award listed herein, Employee agrees to
provide the Company with advance notice of Employee’s resignation of employment
or retirement, depending on level as specified below (“Notice Period”). To be
effective, notice must be provided to Employee’s manager. At the Company’s
request, the Employee agrees to provide written notice.

Level
Notice Period
SVP
30 days
EVP
60 days
SEVP
90 days

Employee also agrees to disclose any financial services entity or other
competitor with which Employee has accepted employment or is considering
accepting employment. After Employee provides effective notice, the Company may
in its discretion waive the Notice Period in part or in its entirety.

During any portion of the Notice Period the Company does not waive, and provided
Employee complies with Company policy, procedures, and directives, Employee will
(1) receive Employee’s base salary or draw (as applicable), (2) continue to
participate in any benefit plans for which Employee is eligible subject to the
terms and conditions of such plans; and (3) receive any bonus, incentive, or
vesting of equity awards, subject to governing plan documents or agreements.
However, after Employee provides notice, Employee will not be eligible to
receive any equity award grants.

During the Notice Period, the Company may change or remove job responsibilities
and/or restrict Employee’s access to facilities, confidential information, and
email, phone, and computer systems. Employee will not accrue further PTO and
must exhaust all previously accrued PTO during the Notice Period. If there is
insufficient time to exhaust accrued PTO in the Notice Period, Employee will
receive payment of unused and accrued PTO pursuant to Company policy.

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a18ahbrsurnbrsdrsxv2image1.gif [a18ahbrsurnbrsdrsxv2image1.gif] Huntington
Bancshares Incorporated
Restricted Stock Unit Grant Agreement

Because, during the Notice Period, Employee remains an employee who owes a duty
of loyalty to the Company, Employee (1) may not become employed by another
financial services entity or other competitor at the same time Employee is
employed by the Company, and (2) must refrain from soliciting the business (for
Employee or for another financial services entity or other competitor) of any
Company customers or potential customers Employee provided services to or has
knowledge of by virtue of Employee’s employment. If contacted by a customer or
potential customer during the Notice Period, Employee may provide necessary
services to that customer or potential customer and must notify Employee’s
manager in writing of each such contact and the services provided.

If Employee’s service terminates because of Normal Retirement and Employee
violates the terms of this notice period provision, the continued vesting of the
Employee’s Restricted Stock Units shall immediately cease, and Employee shall
forfeit any unvested Restricted Stock Units.

Employee acknowledges that any breach of this Notice Provision will result in
irreparable harm to Company for which monetary damages are insufficient. In
addition to any other legal or equitable rights the Company has, it will be
entitled to restrain Employee from breaching Employee’s obligations through
preliminary or temporary injunctive relief and to recover the Company’s
attorneys’ fees and costs incurred in pursuing its rights.

Severability

If any provision of this Agreement is held by a court to be enforceable only if
modified, or if any portion of this Agreement is held as unenforceable and
stricken, such a holding will not affect the validity of the remainder of this
Agreement, the balance of which will continue to be binding on Employee and the
Company.

Employee and the Company further agree that any such court is expressly
authorized to modify any unenforceable provision of this Agreement in lieu of
severing the unenforceable provision from this Agreement in its entirety,
whether by rewriting the offending provision or modifying its scope, deleting
any or all of the offending provision, adding additional language to this
Agreement, or by making any other modifications as it deems warranted to carry
out the intent and agreement of the parties as expressed to the maximum extent
permitted by law. Employee and the Company agree that any modification made by a
court will become a part of this Agreement and treated as though originally set
forth herein.

Employee and the Company expressly agree that this Agreement as so modified by
the court will be binding upon and enforceable against each of them. If one or
more of the provisions of this Agreement is held invalid, illegal, or
unenforceable in any respect, that invalidity, illegality, or unenforceability
will not affect any other provisions of this Agreement, and if the provision or
provisions are not modified as provided above, this Agreement will be construed
as if the invalid, illegal, or unenforceable provisions had not been set forth
in this Agreement.

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a18ahbrsurnbrsdrsxv2image1.gif [a18ahbrsurnbrsdrsxv2image1.gif] Huntington
Bancshares Incorporated
Restricted Stock Unit Grant Agreement

The Company will not have any further obligations to the Employee under this
Agreement if the Employee’s Award is forfeited as provided herein.

This Agreement along with the 2018 Long-Term Incentive Plan Prospectus will be
available by accessing your Fidelity account.

I also acknowledge that I am required to hold 25% of the shares released to me
net of applicable taxes until Early or Normal Retirement, or other departure
from the Company.

I hereby accept the terms of this Agreement electronically through Fidelity.

Stephen D. Steinour         
Chairman, President, and Chief Executive Officer    Date

[Electronic Signature]

[Acceptance Date]

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