EXHIBIT 33.1

Managements Report on Assessment of Compliance

with SEC Regulation
AB Servicing Criteria

The Huntington National Bank, (Huntington) is responsible for assessing compliance as of
December 31, 2012 and for the period from January 1, 2012 through December 31, 2012, (the Reporting Period) with the servicing criteria under Item 1122(d) of the Securities and Exchange Commissions Regulation
AB, except for the criteria set forth in Appendix A hereto and designated as inapplicable (such criteria, after excluding the inapplicable criteria identified in Appendix A, the Applicable Servicing Criteria). The loans covered by this
report include the individual asset-backed transactions sold to Huntington Auto Trust 2012-1 (the Automobile Loan Platform).

Huntington has assessed its compliance with the Applicable Servicing Criteria for the Reporting Period and has concluded that Huntington has complied, in
all material respects, with the Applicable Servicing Criteria as of December 31, 2012 and for the Reporting Period with respect to the Automobile Loan Platform taken as a whole.

Deloitte & Touche LLP, an independent registered public accounting firm, has issued an attestation report on the assessment of compliance with the Applicable Servicing Criteria as of
December 31, 2012 and for the Reporting Period as set forth in this assertion.



|                                           |  |                                                    
|------------------------------------------ |  | ---------------------------------------------------
|The Huntington National Bank, as Servicer:
|                                           | 
|By:                                        |  | /s/ Kim Taylor                                     
|Name:                                      |  | Kim Taylor                                         
|Title:                                     |  | Senior Vice President, The Huntington National Bank

Date: March 18, 2013



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APPENDIX A



|                   |  |                                                                                                                                                                                                                                                                                                                                                                                 |  |                                 |  |                                                               |  |                                                                                     |  |                                                                               
|------------------ |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | ------------------------------- |  | ------------------------------------------------------------- |  | ----------------------------------------------------------------------------------- |  | ------------------------------------------------------------------------------
|Servicing Criteria |  | Applicable ServicingCriteria                                                                                                                                                                                                                                                                                                                                                    |  | Inapplicable Servicing Criteria
|Reference          |  | Criteria                                                                                                                                                                                                                                                                                                                                                                        |  | PerformedDirectlybyHuntington   |  | PerformedbyVendor(s)for whichHuntingtonis theResponsibleParty |  | Performed bysubservicer(s)or vendor(s)for whichHuntington isNOT
theResponsibleParty |  | NOTperformed 
byHuntingtonor
bysubservicer(s)or vendor(s)retained
byHuntington
|                   |  | General Servicing Considerations                                                                                                                                                                                                                                                                                                                                                |  |                                 |  |                                                               |  |                                                                                     |  |                                                                               
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                 |  |                                 | 
|1122(d)(1)(i)      |  | Policies and procedures are instituted to monitor any performance or other triggers and events of default in accordance with the transaction agreements.                                                                                                                                                                                                                        |  | X                               |  |                                                               |  |                                                                                     |  |                                                                               
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                 |  |                                 | 
|1122(d)(1)(ii)     |  | If any material servicing activities are outsourced to third parties, policies and procedures are instituted to monitor the third partys performance and compliance with
such servicing activities.                                                                                                                                                                            |  |                                 |  |                                                               |  |                                                                                     |  | X                                                                             
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                 |  |                                 | 
|1122(d)(1)(iii)    |  | Any requirements in the transaction agreements to maintain a back-up servicer for the Receivables are maintained.                                                                                                                                                                                                                                                               |  |                                 |  |                                                               |  |                                                                                     |  | X                                                                             
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                 |  |                                 | 
|1122(d)(1)(iv)     |  | A fidelity bond and errors and omissions policy is in effect on the party participating in the servicing function throughout the reporting period in the amount of coverage
required by and otherwise in accordance with the terms of the transaction agreements.                                                                                                               |  | X                               |  |                                                               |  |                                                                                     |  |                                                                               
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                 |  |                                 | 
|                   |  | Cash Collection and Administration                                                                                                                                                                                                                                                                                                                                              |  |                                 |  |                                                               |  |                                                                                     |  |                                                                               
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                 |  |                                 | 
|1122(d)(2)(i)      |  | Payments on Receivables are deposited into the appropriate custodial bank accounts and related bank clearing accounts no more than two business days following receipt, or such
other number of days specified in the transaction agreements.                                                                                                                                   |  | X                               |  |                                                               |  |                                                                                     |  |                                                                               
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                 |  |                                 | 
|1122(d)(2)(ii)     |  | Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel.                                                                                                                                                                                                                                                           |  | X                               |  |                                                               |  |                                                                                     |  |                                                                               
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                 |  |                                 | 
|1122(d)(2)(iii)    |  | Advances of funds or guarantees regarding collections, cash flows or distributions, and any interest or other fees charged for such advances, are made, reviewed and approved as
specified in the transaction agreements.                                                                                                                                                       |  | X                               |  |                                                               |  |                                                                                     |  |                                                                               
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                 |  |                                 | 
|1122(d)(2)(iv)     |  | The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of overcollateralization, are separately maintained (e.g., with respect
to commingling of cash) as set forth in the transaction agreements.                                                                                                                           |  | X                               |  |                                                               |  |                                                                                     |  |                                                                               
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                 |  |                                 | 
|1122(d)(2)(v)      |  | Each custodial account is maintained at a federally insured depository institution as set forth in the transaction agreements. For purposes of this criterion, federally
insured depository institution with respect to a foreign financial institution means a foreign financial institution that meets the requirements of Rule 13k-1(b)(1) of the Securities Exchange Act. |  | X                               |  |                                                               |  |                                                                                     |  |                                                                               
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                 |  |                                 | 
|1122(d)(2)(vi)     |  | Unissued checks are safeguarded so as to prevent unauthorized access.                                                                                                                                                                                                                                                                                                           |  |                                 |  |                                                               |  |                                                                                     |  | X                                                                             



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|                |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |  |                                          |  |  |  |  |  |                           
|--------------- |  | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | ---------------------------------------- |  |  |  |  |  | --------------------------
|                |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |  |                                          | 
|1122(d)(2)(vii) |  | Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These
reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the
person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the transaction
agreements. |  | X                                        |  |  |  |  |  |                           
|                |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |  |                                          | 
|                |  | Investor Remittances and Reporting                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |  |                                          |  |  |  |  |  |                           
|                |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |  |                                          | 
|1122(d)(3)(i)   |  | Reports to investors, including those to be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements.
Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed
with the Commission as required by its rules and regulations; and (D) agree with investors or the trustees records as to the total unpaid principal balance and number of Receivables serviced by the Servicer.                                              |  | X (withrespect to (A), (B) and (C) only) |  |  |  |  |  | X (withrespect to (D)only)
|                |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |  |                                          | 
|1122(d)(3)(ii)  |  | Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other terms set forth in the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |  | X                                        |  |  |  |  |  |                           
|                |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |  |                                          | 
|1122(d)(3)(iii) |  | Disbursements made to an investor are posted within two business days to the Servicers investor records, or such other number of days specified in the transaction
agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |  | X                                        |  |  |  |  |  |                           
|                |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |  |                                          | 
|1122(d)(3)(iv)  |  | Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |  | X                                        |  |  |  |  |  |                           
|                |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |  |                                          | 
|                |  | Pool Asset Administration                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |  |                                          |  |  |  |  |  |                           
|                |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |  |                                          | 
|1122(d)(4)(i)   |  | Collateral or security on Receivables is maintained as required by the transaction agreements or related mortgage loan documents.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |  | X                                        |  |  |  |  |  |                           
|                |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |  |                                          | 
|1122(d)(4)(ii)  |  | Receivables and related documents are safeguarded as required by the transaction agreements                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |  | X                                        |  |  |  |  |  |                           
|                |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |  |                                          | 
|1122(d)(4)(iii) |  | Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any conditions or requirements in the transaction
agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |  | X                                        |  |  |  |  |  |                           
|                |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |  |                                          | 
|1122(d)(4)(iv)  |  | Payments on Receivables, including any payoffs, made in accordance with the related Receivables documents are posted to the Servicers obligor records maintained no more
than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in accordance with the related Receivables documents.                                                                                                                                                                                                                                                                                       |  | X                                        |  |  |  |  |  |                           
|                |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |  |                                          | 
|1122(d)(4)(v)   |  | The Servicers records regarding the Receivables agree with the Servicers records with respect to an obligors unpaid principal balance.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |  | X                                        |  |  |  |  |  |                           
|                |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |  |                                          | 
|1122(d)(4)(vi)  |  | Changes with respect to the terms or status of an obligors Receivables (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in
accordance with the transaction agreements and related pool asset documents.                                                                                                                                                                                                                                                                                                                                                                                                                                              |  | X                                        |  |  |  |  |  |                           
|                |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |  |                                          | 
|1122(d)(4)(vii) |  | Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated,
conducted and concluded in accordance with the timeframes or other requirements established by the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                               |  | X                                        |  |  |  |  |  |                           



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|                 |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |  |   |  |  |  |  |  |  
|---------------- |  | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | - |  |  |  |  |  | -
|                 |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |  |   | 
|1122(d)(4)(viii) |  | Records documenting collection efforts are maintained during the period a Receivable is delinquent in accordance with the transaction agreements. Such records are maintained on
at least a monthly basis, or such other period specified in the transaction agreements, and describe the entitys activities in monitoring delinquent Receivables including, for example, phone calls, letters and payment rescheduling plans in
cases where delinquency is deemed temporary (e.g., illness or unemployment).                                                                          |  | X |  |  |  |  |  |  
|                 |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |  |   | 
|1122(d)(4)(ix)   |  | Adjustments to interest rates or rates of return for Receivables with variable rates are computed based on the related Receivables documents.                                                                                                                                                                                                                                                                                                                                                                                                                                           |  |   |  |  |  |  |  | X
|                 |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |  |   | 
|1122(d)(4)(x)    |  | Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligors Receivables documents, on at least
an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable Receivables documents and state laws; and (C) such funds are returned to the
obligor within 30 calendar days of full repayment of the related Receivables, or such other number of days specified in the transaction agreements. |  |   |  |  |  |  |  | X
|                 |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |  |   | 
|1122(d)(4)(xi)   |  | Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or
notices for such payments, provided that such support has been received by the Servicer at least 30 calendar days prior to these dates, or such other number of days specified in the transaction agreements.                                                                                                                                                                                         |  |   |  |  |  |  |  | X
|                 |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |  |   | 
|1122(d)(4)(xii)  |  | Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the Servicers funds and not charged to the obligor, unless the
late payment was due to the obligors error or omission.                                                                                                                                                                                                                                                                                                                                                     |  |   |  |  |  |  |  | X
|                 |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |  |   | 
|1122(d)(4)(xiii) |  | Disbursements made on behalf of an obligor are posted within two business days to the obligors records maintained by the Servicer, or such other number of days specified in
the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                               |  |   |  |  |  |  |  | X
|                 |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |  |   | 
|1122(d)(4)(xiv)  |  | Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                        |  | X |  |  |  |  |  |  
|                 |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |  |   | 
|1122(d)(4)(xv)   |  | Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is maintained as set forth in the transaction
agreements.                                                                                                                                                                                                                                                                                                                                                                                                           |  | X |  |  |  |  |  |