----

|                                                                                      |   | December 31, |        |
|-------------------------------------------------------------------------------------------|--------|-------------------|-------------|
| (dollar amounts in thousands, except number of shares) |   | 2010              |        |   | 2009 |   |
| Assets                                                                                    |   |              |        |   |   |   |
| Cash and due from banks                                                                   |   | $                 | 847,888     |   |   | $ | 1,521,344 |   |
| Interest-bearing deposits in banks                                                        |   |              | 135,038     |   |   |   | 319,375 |   |
| Trading account securities                                                                |   |              | 185,404     |   |   |   | 83,657 |   |
| Loans held for sale                                                                       |   |              |        |   |   |   |   |   |
| (includes $754,117 and $459,719 respectively, measured at fair value)(1)                  |   |              | 793,285     |   |   |   | 461,647 |   |
| Available-for-sale and other securities                                                   |   |              | 9,895,244   |   |   |   | 8,587,914 |   |
| Loans and leases (includes $522,717 at December 31, 2010 measured at fair value):(2)      |   |              |        |   |   |   |   |   |
| Commercial and industrial loans and leases                                                |   |              | 13,063,293  |   |   |   | 12,888,100 |   |
| Commercial real estate loans                                                              |   |              | 6,651,156   |   |   |   | 7,688,827 |   |
| Automobile loans and leases                                                               |   |              | 5,614,711   |   |   |   | 3,390,594 |   |
| Home equity loans                                                                         |   |              | 7,713,154   |   |   |   | 7,562,060 |   |
| Residential mortgage loans                                                                |   |              | 4,500,366   |   |   |   | 4,510,347 |   |
| Other consumer loans                                                                      |   |              | 563,827     |   |   |   | 750,735 |   |
| Loans and leases                                                                          |   |              | 38,106,507  |   |   |   | 36,790,663 |   |
| Allowance for loan and lease losses                                                       |   |              | (1,249,008  | ) |   |   | (1,482,479 | ) |
| Net loans and leases                                                                      |   |              | 36,857,499  |   |   |   | 35,308,184 |   |
| Bank owned life insurance                                                                 |   |              | 1,458,224   |   |   |   | 1,412,333 |   |
| Premises and equipment                                                                    |   |              | 491,602     |   |   |   | 496,021 |   |
| Goodwill                                                                                  |   |              | 444,268     |   |   |   | 444,268 |   |
| Other intangible assets                                                                   |   |              | 228,620     |   |   |   | 289,098 |   |
| Accrued income and other assets                                                           |   |              | 2,482,570   |   |   |   | 2,630,824 |   |
| Total assets                                                                              |   | $                 | 53,819,642  |   |   | $ | 51,554,665 |   |
| Liabilities and shareholders' equity                                                      |   |              |        |   |   |   |   |   |
| Liabilities                                                                               |   |              |        |   |   |   |   |   |
| Deposits in domestic offices                                                              |   |              |        |   |   |   |   |   |
| Demand deposits - noninterest-bearing                                                     |   | $                 | 7,216,751   |   |   | $ | 6,907,238 |   |
| Interest-bearing                                                                          |   |              | 34,254,807  |   |   |   | 33,229,726 |   |
| Deposits in foreign offices                                                               |   |              | 382,340     |   |   |   | 356,963 |   |
| Deposits                                                                                  |   |              | 41,853,898  |   |   |   | 40,493,927 |   |
| Short-term borrowings                                                                     |   |              | 2,040,732   |   |   |   | 876,241 |   |
| Federal Home Loan Bank advances                                                           |   |              | 172,519     |   |   |   | 168,977 |   |
| Other long-term debt (includes $356,089 at December 31, 2010, measured at fair value)(2)  |   |              | 2,144,092   |   |   |   | 2,369,491 |   |
| Subordinated notes                                                                        |   |              | 1,497,216   |   |   |   | 1,264,202 |   |
| Accrued expenses and other liabilities                                                    |   |              | 1,130,643   |   |   |   | 1,045,825 |   |
| Total liabilities                                                                         |   |              | 48,839,100  |   |   |   | 46,218,663 |   |
| Shareholders' equity                                                                      |   |              |        |   |   |   |   |   |
| Preferred stock - authorized 6,617,808 shares;                                            |   |              |        |   |   |   |   |   |
| 5.00% Series B Non-voting, Cumulative Preferred Stock, par value                          |   |              |        |   |   |   |   |   |
| of $0.01 and liquidation value per share of $1,000                                        |   |              | —     |   |   |   | 1,325,008 |   |
| 8.50% Series A Non-cumulative Perpetual Convertible Preferred                             |   |              |        |   |   |   |   |   |
| Stock, par value of $0.01 and liquidation value per share of $1,000                       |   |              | 362,507     |   |   |   | 362,507 |   |
| Common stock -                                                                            |   |              |        |   |   |   |   |   |
| Par value of $0.01 and authorized 1,500,000,000 shares                                    |   |              | 8,642       |   |   |   | 7,167 |   |
| Capital surplus                                                                           |   |              | 7,630,093   |   |   |   | 6,731,796 |   |
| Less treasury shares, at cost                                                             |   |              | (8,771      | ) |   |   | (11,465 | ) |
| Accumulated other comprehensive loss                                                      |   |              | (197,496    | ) |   |   | (156,985 | ) |
| Retained (deficit) earnings                                                               |   |              | (2,814,433  | ) |   |   | (2,922,026 | ) |
| Total shareholders' equity                                                                |   |              | 4,980,542   |   |   |   | 5,336,002 |   |
| Total liabilities and shareholders' equity                                                |   | $                 | 53,819,642  |   |   | $ | 51,554,665 |   |
| Common shares issued                                                                      |   |              | 864,195,369 |   |   |   | 716,741,249 |   |
| Common shares outstanding                                                                 |   |              | 863,319,435 |   |   |   | 715,761,672 |   |
| Treasury shares outstanding                                                               |   |              | 875,934     |   |   |   | 979,577 |   |
| Preferred shares issued                                                                   |   |              | 1,967,071   |   |   |   | 1,967,071 |   |
| Preferred shares outstanding                                                              |   |              | 362,507     |   |   |   | 1,760,578 |   |

----

|                                                                                       |   | Year Ended December 31, |      |
|--------------------------------------------------------------------------------------------|--------|----------------------------------------|-----------|
| (dollar amounts in thousands, except per share amounts) |   | 2010                                   |      |   | 2009 |   |   | 2008 |   |
| Interest and fee income                                                                    |   |                                   |      |   |   |   |   |   |   |
| Loans and leases                                                                           |   |                                   |      |   |   |   |   |   |   |
| Taxable                                                                                    |   | $                                      | 1,859,495 |   |   | $ | 1,933,639 |   |   | $ | 2,447,362 |   |
| Tax-exempt                                                                                 |   |                                   | 6,353     |   |   |   | 10,630 |   |   |   | 2,748 |   |
| Available-for-sale and other securities                                                    |   |                                   |      |   |   |   |   |   |   |   |   |   |
| Taxable                                                                                    |   |                                   | 239,065   |   |   |   | 249,968 |   |   |   | 217,882 |   |
| Tax-exempt                                                                                 |   |                                   | 11,680    |   |   |   | 8,824 |   |   |   | 29,869 |   |
| Other                                                                                      |   |                                   | 28,799    |   |   |   | 35,081 |   |   |   | 100,461 |   |
| Total interest income                                                                      |   |                                   | 2,145,392 |   |   |   | 2,238,142 |   |   |   | 2,798,322 |   |
| Interest expense                                                                           |   |                                   |      |   |   |   |   |   |   |   |   |   |
| Deposits                                                                                   |   |                                   | 439,050   |   |   |   | 674,101 |   |   |   | 931,679 |   |
| Short-term borrowings                                                                      |   |                                   | 3,007     |   |   |   | 2,366 |   |   |   | 42,261 |   |
| Federal Home Loan Bank advances                                                            |   |                                   | 3,121     |   |   |   | 12,882 |   |   |   | 107,848 |   |
| Subordinated notes and other long-term debt                                                |   |                                   | 81,409    |   |   |   | 124,506 |   |   |   | 184,843 |   |
| Total interest expense                                                                     |   |                                   | 526,587   |   |   |   | 813,855 |   |   |   | 1,266,631 |   |
| Net interest income                                                                        |   |                                   | 1,618,805 |   |   |   | 1,424,287 |   |   |   | 1,531,691 |   |
| Provision for credit losses                                                                |   |                                   | 634,547   |   |   |   | 2,074,671 |   |   |   | 1,057,463 |   |
| Net interest income after provision for credit losses                                      |   |                                   | 984,258   |   |   |   | (650,384 | ) |   |   | 474,228 |   |
| Service charges on deposit accounts                                                        |   |                                   | 267,015   |   |   |   | 302,799 |   |   |   | 308,053 |   |
| Mortgage banking income                                                                    |   |                                   | 175,782   |   |   |   | 112,298 |   |   |   | 8,994 |   |
| Trust services                                                                             |   |                                   | 112,555   |   |   |   | 103,639 |   |   |   | 125,980 |   |
| Electronic banking                                                                         |   |                                   | 110,234   |   |   |   | 100,151 |   |   |   | 90,267 |   |
| Insurance income                                                                           |   |                                   | 76,413    |   |   |   | 73,326 |   |   |   | 72,624 |   |
| Brokerage income                                                                           |   |                                   | 68,855    |   |   |   | 64,843 |   |   |   | 65,172 |   |
| Bank owned life insurance income                                                           |   |                                   | 61,066    |   |   |   | 54,872 |   |   |   | 54,776 |   |
| Automobile operating lease income                                                          |   |                                   | 45,964    |   |   |   | 51,810 |   |   |   | 39,851 |   |
| Net gains (losses) on sales of available-for-sale and other securities                     |   |                                   | 13,448    |   |   |   | 48,815 |   |   |   | (197,370 | ) |
| Impairment losses on available-for-sale and other securities:                              |   |                                   |      |   |   |   |   |   |   |   |   |   |
| Impairment losses on available-for-sale and other securities                               |   |                                   | 9,847     |   |   |   | (183,472 | ) |   |   | — |   |
| Noncredit-related losses on securities not expected                                        |   |                                   |      |   |   |   |   |   |   |   |   |   |
| to be sold (recognized in other comprehensive income)                                      |   |                                   | (23,569   | ) |   |   | 124,408 |   |   |   | — |   |
| Net impairment losses on investment securities                                             |   |                                   | (13,722   | ) |   |   | (59,064 | ) |   |   | — |   |
| Other income                                                                               |   |                                   | 124,248   |   |   |   | 152,155 |   |   |   | 138,791 |   |
| Total noninterest income                                                                   |   |                                   | 1,041,858 |   |   |   | 1,005,644 |   |   |   | 707,138 |   |
| Personnel costs                                                                            |   |                                   | 798,973   |   |   |   | 700,482 |   |   |   | 783,546 |   |
| Outside data processing and other services                                                 |   |                                   | 159,248   |   |   |   | 148,095 |   |   |   | 130,226 |   |
| Net occupancy                                                                              |   |                                   | 107,862   |   |   |   | 105,273 |   |   |   | 108,428 |   |
| Deposit and other insurance expense                                                        |   |                                   | 97,548    |   |   |   | 113,830 |   |   |   | 22,437 |   |
| Professional services                                                                      |   |                                   | 88,778    |   |   |   | 76,366 |   |   |   | 49,613 |   |
| Equipment                                                                                  |   |                                   | 85,920    |   |   |   | 83,117 |   |   |   | 93,965 |   |
| Marketing                                                                                  |   |                                   | 65,924    |   |   |   | 33,049 |   |   |   | 32,664 |   |
| Amortization of intangibles                                                                |   |                                   | 60,478    |   |   |   | 68,307 |   |   |   | 76,894 |   |
| OREO and foreclosure expense                                                               |   |                                   | 39,049    |   |   |   | 93,899 |   |   |   | 33,455 |   |
| Automobile operating lease expense                                                         |   |                                   | 37,034    |   |   |   | 43,360 |   |   |   | 31,282 |   |
| Goodwill impairment                                                                        |   |                                   | —   |   |   |   | 2,606,944 |   |   |   | — |   |
| Gain on early extinguishment of debt                                                       |   |                                   | —   |   |   |   | (147,442 | ) |   |   | (23,542 | ) |
| Other expense                                                                              |   |                                   | 132,991   |   |   |   | 108,163 |   |   |   | 138,406 |   |
| Total noninterest expense                                                                  |   |                                   | 1,673,805 |   |   |   | 4,033,443 |   |   |   | 1,477,374 |   |
| Income (Loss) before income taxes                                                          |   |                                   | 352,311   |   |   |   | (3,678,183 | ) |   |   | (296,008 | ) |
| Provision (Benefit) for income taxes                                                       |   |                                   | 39,964    |   |   |   | (584,004 | ) |   |   | (182,202 | ) |
| Net income (loss)                                                                          |   |                                   | 312,347   |   |   |   | (3,094,179 | ) |   |   | (113,806 | ) |
| Dividends on preferred shares                                                              |   |                                   | 172,032   |   |   |   | 174,756 |   |   |   | 46,400 |   |
| Net income (loss) applicable to common shares                                              |   | $                                      | 140,315   |   |   | $ | (3,268,935 | ) |   | $ | (160,206 | ) |
| Average common shares - basic                                                              |   |                                   | 726,934   |   |   |   | 532,802 |   |   |   | 366,155 |   |
| Average common shares - diluted                                                            |   |                                   | 729,532   |   |   |   | 532,802 |   |   |   | 366,155 |   |
| Per common share                                                                           |   |                                   |      |   |   |   |   |   |   |   |   |   |
| Net income (loss) - basic                                                                  |   | $                                      | 0.19      |   |   | $ | (6.14 | ) |   | $ | (0.44 | ) |
| Net income (loss) - diluted                                                                |   |                                   | 0.19      |   |   |   | (6.14 | ) |   |   | (0.44 | ) |
| Cash dividends declared                                                                    |   |                                   | 0.0400    |   |   |   | 0.0400 |   |   |   | 0.6625 |   |

----

|                                                                    |   |                 |   |   |          |   |       |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |     |   |   |   |      |   | Accumulated |   |   |      |   |   |    |   |
|-------------------------------------------------------------------------|--------|----------------------|--------|--------|---------------|--------|------------|-------------------|--------|--------|---------|--------|--------|---------------------|---------|--------|---------------|--------|---------|----------|--------|--------|----------|--------|--------|--------|-----------|--------|-------------|--------|--------|-----------|--------|--------|---------|--------|
|                                                                    |   | Preferred Stock |   |   |          |   |       |              |   |   |    |   |   |                |    |   |          |   |    | Other    |   |   | Retained |   |   |   |      |
| (all amounts in thousands, except for per |   | Series B        |   |   | Series A |   |       | Common Stock |   |   | Capital |   |   | Treasury Stock |    |   | Comprehensive |   |    | Earnings |   |   |     |   |
| share amounts)                                                     |   | Shares               |   |   | Amount        |   |       | Shares            |   |   | Amount  |   |   | Shares              |    |   | Amount        |   |    | Surplus  |   |   | Shares   |   |   | Amount |      |   | Loss        |   |   | (Deficit) |   |   | Total   |   |
| Year Ended December 31, 2010                        |   |                 |   |   |          |   |       |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |
| Balance, beginning of year                               |   |                 | 1,398  |   |          | $      | 1,325,008  |              |   |   | 363     |   |   | $                   | 362,507 |   |          |   | 716,741 |     |   | $      | 7,167    |   |   | $      | 6,731,796 |   |        |   | (980   | )         |   | $      | (11,465 | )      |   | $ | (156,985 | ) |   | $ | (2,922,026 | ) |   | $ | 5,336,002 |   |
| Cumulative effect of change in accounting      |   |                 |   |   |          |   |       |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |
| principle for consolidation of variable             |   |                 |   |   |          |   |       |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| interest entities, net of tax of $3,097   |   |                 |   |   |          |   |       |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   | (4,249 | ) |   |   | (1,821 | ) |   |   | (6,070 | ) |
| Balance, beginning of year                               |   |                 | 1,398  |   |          |   | 1,325,008  |              |   |   | 363     |   |   |                | 362,507 |   |          |   | 716,741 |     |   |   | 7,167    |   |   |   | 6,731,796 |   |        |   | (980   | )         |   |   | (11,465 | )      |   |   | (161,234 | ) |   |   | (2,923,847 | ) |   |   | 5,329,932 |   |
|                                                                    |   |                 |   |   |          |   |       |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Comprehensive Income:                                              |   |                 |   |   |          |   |       |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net income (loss)                                             |   |                 |   |   |          |   |       |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   | 312,347 |   |   |   | 312,347 |   |
| Non-credit-related impairment                                      |   |                 |   |   |          |   |       |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| recoveries (losses) on debt                              |   |                 |   |   |          |   |       |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| securities not expected to be sold             |   |                 |   |   |          |   |       |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   | 15,320 |   |   |   |   |   |   |   | 15,320 |   |
| Unrealized net gains (losses) on                    |   |                 |   |   |          |   |       |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| available-for-sale and other securities                  |   |                 |   |   |          |   |       |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| arising during the period, net of              |   |                 |   |   |          |   |       |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| reclassification for net realized gains             |   |                 |   |   |          |   |       |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   | (9,406 | ) |   |   |   |   |   |   | (9,406 | ) |
| Unrealized gains (losses) on cash                   |   |                 |   |   |          |   |       |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| flow hedging derivatives                                      |   |                 |   |   |          |   |       |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   | (23,155 | ) |   |   |   |   |   |   | (23,155 | ) |
| Change in accumulated unrealized                         |   |                 |   |   |          |   |       |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| losses for pension and other post-             |   |                 |   |   |          |   |       |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| retirement obligations                                             |   |                 |   |   |          |   |       |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   | (19,021 | ) |   |   |   |   |   |   | (19,021 | ) |
| Total comprehensive income (loss)                        |   |                 |   |   |          |   |       |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   | 276,085 |   |
| Issuance of common stock                                 |   |                 |   |   |          |   |       |              |   |   |    |   |   |                |    |   |          |   | 146,568 |     |   |   | 1,465    |   |   |   | 884,707   |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   | 886,172 |   |
| Repurchase of Preferred Series B stock         |   |                 | (1,398 | )      |          |   | (1,398,071 | )                 |   |   |    |   |   |                |    |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   | (1,398,071 | ) |
| Preferred Series B stock discount                   |   |                 |   |   |          |   |       |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| accretion and redemption                                      |   |                 |   |   |          |   | 73,063     |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   | (73,063 | ) |   |   | - |   |
| Cash dividends declared:                                      |   |                 |   |   |          |   |       |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Common ($0.04 per share)                                 |   |                 |   |   |          |   |       |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   | (30,139 | ) |   |   | (30,139 | ) |
| Preferred Series B ($48.75 per share)          |   |                 |   |   |          |   |       |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   | (68,156 | ) |   |   | (68,156 | ) |
| Preferred Series A ($85.00 per share)          |   |                 |   |   |          |   |       |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   | (30,813 | ) |   |   | (30,813 | ) |
| Recognition of the fair value of               |   |                 |   |   |          |   |       |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| share-based compensation                                           |   |                 |   |   |          |   |       |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   | 4        |   |   |   | 15,449    |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   | 15,453 |   |
| Other share-based compensation activity                  |   |                 |   |   |          |   |       |              |   |   |    |   |   |                |    |   |          |   | 886     |     |   |   | 6        |   |   |   | 482       |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   | (535 | ) |   |   | (47 | ) |
| Other                                                                   |   |                 |   |   |          |   |       |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |     |   |   |   | (2,341    | )      |        |   | 104    |      |   |   | 2,694   |   |   |   |   |   |   |   | (227 | ) |   |   | 126 |   |
| Balance, end of year                                     |   |                 | -      |   |          | $      | -          |              |   |   | 363     |   |   | $                   | 362,507 |   |          |   | 864,195 |     |   | $      | 8,642    |   |   | $      | 7,630,093 |   |        |   | (876   | )         |   | $      | (8,771  | )      |   | $ | (197,496 | ) |   | $ | (2,814,433 | ) |   | $ | 4,980,542 |   |

----

|                                                                    |   |                 |   |   |          |   |      |              |   |   |    |   |   |                |     |   |          |   |    |     |   |   |     |   |   |   |      |   | Accumulated |   |   |      |   |   |    |   |
|-------------------------------------------------------------------------|--------|----------------------|--------|--------|---------------|--------|-----------|-------------------|--------|--------|---------|--------|--------|---------------------|----------|--------|---------------|--------|---------|----------|--------|--------|----------|--------|--------|--------|-----------|--------|-------------|--------|--------|-----------|--------|--------|---------|--------|
|                                                                    |   | Preferred Stock |   |   |          |   |      |              |   |   |    |   |   |                |     |   |          |   |    | Other    |   |   | Retained |   |   |   |      |
| (all amounts in thousands, except for per |   | Series B        |   |   | Series A |   |      | Common Stock |   |   | Capital |   |   | Treasury Stock |     |   | Comprehensive |   |    | Earnings |   |   |     |   |
| share amounts)                                                     |   | Shares               |   |   | Amount        |   |      | Shares            |   |   | Amount  |   |   | Shares              |     |   | Amount        |   |    | Surplus  |   |   | Shares   |   |   | Amount |      |   | Loss        |   |   | (Deficit) |   |   | Total   |   |
| Year Ended December 31, 2009                                            |   |                 |   |   |          |   |      |              |   |   |    |   |   |                |     |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |
| Balance, beginning of year                                              |   |                 | 1,398  |   |          | $      | 1,308,667 |              |   |   | 569     |   |   | $                   | 569,000  |   |          |   | 366,972 |     |   | $      | 3,670    |   |   | $      | 5,322,428 |   |        |   | (915   | )         |   | $      | (15,530 | )      |   | $ | (326,693 | ) |   | $ | 367,364 |   |   | $ | 7,228,906 |   |
|                                                                    |   |                 |   |   |          |   |      |              |   |   |    |   |   |                |     |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Comprehensive Income:                                                   |   |                 |   |   |          |   |      |              |   |   |    |   |   |                |     |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net income (loss)                                                       |   |                 |   |   |          |   |      |              |   |   |    |   |   |                |     |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   | (3,094,179 | ) |   |   | (3,094,179 | ) |
| Cumulative effect of change in                                          |   |                 |   |   |          |   |      |              |   |   |    |   |   |                |     |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| accounting principle for other-than-                                    |   |                 |   |   |          |   |      |              |   |   |    |   |   |                |     |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| temporarily impaired debt securities                                    |   |                 |   |   |          |   |      |              |   |   |    |   |   |                |     |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   | (3,541 | ) |   |   | 3,541 |   |   |   | - |   |
| Non-credit-related impairment                                           |   |                 |   |   |          |   |      |              |   |   |    |   |   |                |     |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| recoveries (losses) on debt                                             |   |                 |   |   |          |   |      |              |   |   |    |   |   |                |     |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| securities not expected to be sold                                      |   |                 |   |   |          |   |      |              |   |   |    |   |   |                |     |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   | (80,865 | ) |   |   |   |   |   |   | (80,865 | ) |
| Unrealized net gains (losses) on                                        |   |                 |   |   |          |   |      |              |   |   |    |   |   |                |     |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| available-for-sale and other                                            |   |                 |   |   |          |   |      |              |   |   |    |   |   |                |     |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| securities arising during the period,                                   |   |                 |   |   |          |   |      |              |   |   |    |   |   |                |     |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| net of reclassification for net                                         |   |                 |   |   |          |   |      |              |   |   |    |   |   |                |     |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| realized gains (losses)                                                 |   |                 |   |   |          |   |      |              |   |   |    |   |   |                |     |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   | 188,780 |   |   |   |   |   |   |   | 188,780 |   |
| Unrealized gains (losses) on cash flow                                  |   |                 |   |   |          |   |      |              |   |   |    |   |   |                |     |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| hedging derivatives                                                     |   |                 |   |   |          |   |      |              |   |   |    |   |   |                |     |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   | 14,227 |   |   |   |   |   |   |   | 14,227 |   |
| Change in accumulated unrealized                                        |   |                 |   |   |          |   |      |              |   |   |    |   |   |                |     |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| losses for pension and other post-                                      |   |                 |   |   |          |   |      |              |   |   |    |   |   |                |     |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| retirement obligations                                                  |   |                 |   |   |          |   |      |              |   |   |    |   |   |                |     |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   | 51,107 |   |   |   |   |   |   |   | 51,107 |   |
| Total comprehensive income (loss)                                       |   |                 |   |   |          |   |      |              |   |   |    |   |   |                |     |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   | (2,920,930 | ) |
| Issuance of common stock                                                |   |                 |   |   |          |   |      |              |   |   |    |   |   |                |     |   |          |   | 308,226 |     |   |   | 3,081    |   |   |   | 1,142,670 |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   | 1,145,751 |   |
| Conversion of Preferred Series A stock                                  |   |                 |   |   |          |   |      |              |   |   | (206    | )      |   |                | (206,493 | )      |          |   | 41,072  |     |   |   | 411      |   |   |   | 262,117   |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   | (56,035 | ) |   |   | - |   |
| Preferred Series B Stock discount                                       |   |                 |   |   |          |   |      |              |   |   |    |   |   |                |     |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| accretion                                                               |   |                 |   |   |          |   | 16,041    |              |   |   |    |   |   |                |     |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   | (16,041 | ) |   |   | - |   |
| Cash dividends declared:                                                |   |                 |   |   |          |   |      |              |   |   |    |   |   |                |     |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Common ($0.04 per share)                                                |   |                 |   |   |          |   |      |              |   |   |    |   |   |                |     |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   | (22,020 | ) |   |   | (22,020 | ) |
| Preferred Series B ($50.00 per share)                                   |   |                 |   |   |          |   |      |              |   |   |    |   |   |                |     |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   | (69,904 | ) |   |   | (69,904 | ) |
| Preferred Series A ($85.00 per share)                                   |   |                 |   |   |          |   |      |              |   |   |    |   |   |                |     |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   | (32,776 | ) |   |   | (32,776 | ) |
| Recognition of the fair value of                                        |   |                 |   |   |          |   |      |              |   |   |    |   |   |                |     |   |          |   |    |     |   |   |     |   |   |   |      |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| share-based compensation                                                |   |                 |   |   |          |   |      |              |   |   |    |   |   |                |     |   |          |   |    |     |   |   |     |   |   |   | 8,547     |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   |   |   |   |   | 8,547 |   |
| Other share-based compensation activity                                 |   |                 |   |   |          |   |      |              |   |   |    |   |   |                |     |   |          |   | 471     |     |   |   | 5        |   |   |   | 635       |   |        |   |   |      |   |   |    |   |   |   |   |   |   |   | (838 | ) |   |   | (198 | ) |
| Other                                                                   |   |                 |   |   |          |   | 300       |              |   |   |    |   |   |                |     |   |          |   |    |     |   |   |     |   |   |   | (4,601    | )      |        |   | (65    | )         |   |   | 4,065   |   |   |   |   |   |   |   | (1,138 | ) |   |   | (1,374 | ) |
| Balance, end of year                                                    |   |                 | 1,398  |   |          | $      | 1,325,008 |              |   |   | 363     |   |   | $                   | 362,507  |   |          |   | 716,741 |     |   | $      | 7,167    |   |   | $      | 6,731,796 |   |        |   | (980   | )         |   | $      | (11,465 | )      |   | $ | (156,985 | ) |   | $ | (2,922,026 | ) |   | $ | 5,336,002 |   |

----

|                                                               |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   | Accumulated |   |   |     |   |   |    |   |
|-------------------------------------------------------------------------|--------|----------------------|---------|--------|---------------|--------|-----------|-------------------|--------|--------|---------|--------|--------|---------------------|---------|--------|---------------|--------|---------|----------|--------|--------|--------|--------|--------|--------|-----------|--------|-------------|--------|--------|----------|--------|--------|---------|--------|
|                                                                    |   | Preferred Stock |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    | Other    |   |   |   |   |   |   |      |
| (all amounts in thousands, except for per |   | Series B        |    |   | Series A |   |      | Common Stock |   |   | Capital |   |   | Treasury Stock |    |   | Comprehensive |   |    | Retained |   |   |   |   |
| share amounts)                                                     |   | Shares               |    |   | Amount        |   |      | Shares            |   |   | Amount  |   |   | Shares              |    |   | Amount        |   |    | Surplus  |   |   | Shares |   |   | Amount |      |   | Loss        |   |   | Earnings |   |   | Total   |   |
| Year Ended December 31, 2008                        |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |
| Balance, beginning of year                               |   |                 | — |   |          | $      | -         |              |   |   | — |   |   | $                   | -       |   |          |   | 367,002 |     |   | $      | 3,670  |   |   | $      | 5,237,783 |   |        |   | (740   | )        |   | $      | (14,391 | )      |   | $ | (49,611 | ) |   | $ | 773,639 |   |   | $ | 5,951,090 |   |
| Cumulative effect of change in accounting      |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   |   |   |   |   |   |   |   |
| principle for fair value of assets and    |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| liabilities, net of tax of ($803)              |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   |   |   |   |   | 1,491 |   |   |   | 1,491 |   |
| Cumulative effect of changing                            |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| measurement date provisions for                          |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| pension and post-retirement assets                       |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| and obligations, net of tax of $2,064     |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   | (3,834 | ) |   |   |   |   |   |   | (3,834 | ) |
| Cumulative effect of changing                            |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| measurement date provisions for                          |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| pension and post-retirement assets                       |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| and obligations, net of tax of $2,260     |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   |   |   |   |   | (4,654 | ) |   |   | (4,654 | ) |
| Balance, beginning of year - as adjusted  |   |                 | — |   |          |   | —   |              |   |   | — |   |   |                | — |   |          |   | 367,002 |     |   |   | 3,670  |   |   |   | 5,237,783 |   |        |   | (740   | )        |   |   | (14,391 | )      |   |   | (53,445 | ) |   |   | 770,476 |   |   |   | 5,944,093 |   |
|                                                                    |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Comprehensive Loss:                                                |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net income (loss)                                             |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   |   |   |   |   | (113,806 | ) |   |   | (113,806 | ) |
| Unrealized net gains (losses) on                    |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| available-for-sale and other securities                  |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| arising during the period, net of              |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| reclassification for net realized                        |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| gains (losses)                                                     |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   | (197,745 | ) |   |   |   |   |   |   | (197,745 | ) |
| Unrealized gains (losses) on cash                   |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| flow hedging derivatives                                      |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   | 40,085 |   |   |   |   |   |   |   | 40,085 |   |
| Change in accumulated unrealized                         |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| losses for pension and other post-             |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| retirement obligations                                             |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   | (115,588 | ) |   |   |   |   |   |   | (115,588 | ) |
| Total comprehensive gain (loss)                          |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   |   |   |   |   |   |   |   |   | (387,054 | ) |
| Issuance of Preferred Class B Stock            |   |                 | 1,398   |   |          |   | 1,306,726 |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   |   |   |   |   |   |   |   |   | 1,306,726 |   |
| Issuance of Preferred Class A Stock            |   |                 |    |   |          |   |      |              |   |   | 569     |   |   |                | 569,000 |   |          |   |    |     |   |   |   |   |   |   | (18,866   | )      |        |   |   |     |   |   |    |   |   |   |   |   |   |   |   |   |   |   | 550,134 |   |
| Issuance of warrants convertible                         |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| to common stock                                               |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   | 90,765    |   |        |   |   |     |   |   |    |   |   |   |   |   |   |   |   |   |   |   | 90,765 |   |
| Preferred Series B stock discount                   |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| accretion                                                               |   |                 |    |   |          |   | 1,941     |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   |   |   |   |   | (1,941 | ) |   |   | - |   |
| Cash dividends declared:                                      |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Common ($0.6625 per share)                               |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   |   |   |   |   | (242,522 | ) |   |   | (242,522 | ) |
| Preferred Class B ($6.528 per share)           |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   |   |   |   |   | (9,126 | ) |   |   | (9,126 | ) |
| Preferred Series A ($62.097 per share)         |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   |   |   |   |   | (35,333 | ) |   |   | (35,333 | ) |
| Recognition of the fair value of               |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   |      |   |        |   |   |     |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| share-based compensation                                           |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   | 14,091    |   |        |   |   |     |   |   |    |   |   |   |   |   |   |   |   |   |   |   | 14,091 |   |
| Other share-based compensation activity                  |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   | (30     | )        |   |   | -      |   |   |   | (874      | )      |        |   |   |     |   |   |    |   |   |   |   |   |   |   | (199 | ) |   |   | (1,073 | ) |
| Other                                                                   |   |                 |    |   |          |   |      |              |   |   |    |   |   |                |    |   |          |   |    |     |   |   |   |   |   |   | (471      | )      |        |   | (175   | )        |   |   | (1,139  | )      |   |   |   |   |   |   | (185 | ) |   |   | (1,795 | ) |
| Balance, end of year                                     |   |                 | 1,398   |   |          | $      | 1,308,667 |              |   |   | 569     |   |   | $                   | 569,000 |   |          |   | 366,972 |     |   | $      | 3,670  |   |   | $      | 5,322,428 |   |        |   | (915   | )        |   | $      | (15,530 | )      |   | $ | (326,693 | ) |   | $ | 367,364 |   |   | $ | 7,228,906 |   |

----

|                                                                                     |   | Year Ended   |       |
|------------------------------------------------------------------------------------------|--------|-------------------|------------|
|                                                                                     |   | December 31, |       |
| (dollar amounts in thousands)                                             |   | 2010              |       |   | 2009 |   |   | 2008 |   |
| Operating activities                                                                     |   |              |       |   |   |   |   |   |   |
| Net income (loss)                                                                        |   | $                 | 312,347    |   |   | $ | (3,094,179 | ) |   | $ | (113,806 | ) |
| Adjustments to reconcile net income (loss) to net cash provided by operating activities: |   |              |       |   |   |   |   |   |   |   |   |   |
| Impairment of goodwill                                                                   |   |              | —    |   |   |   | 2,606,944 |   |   |   | — |   |
| Provision for credit losses                                                              |   |              | 634,547    |   |   |   | 2,074,671 |   |   |   | 1,057,463 |   |
| Depreciation and amortization                                                            |   |              | 286,186    |   |   |   | 228,041 |   |   |   | 244,860 |   |
| Change in current and deferred income taxes                                              |   |              | 161,367    |   |   |   | (471,592 | ) |   |   | (251,827 | ) |
| Net sales (purchases) of trading account securities                                      |   |              | (101,747   | ) |   |   | 856,112 |   |   |   | 92,976 |   |
| Originations of loans held for sale                                                      |   |              | (3,864,273 | ) |   |   | (4,786,043 | ) |   |   | (3,063,375 | ) |
| Principal payments on and proceeds from loans held for sale                              |   |              | 3,535,550  |   |   |   | 4,667,792 |   |   |   | 3,096,129 |   |
| Gain on early extinguishment of debt                                                     |   |              | —    |   |   |   | (147,442 | ) |   |   | (23,542 | ) |
| Losses on available-for-sale and other securities                                        |   |              | 274        |   |   |   | 10,249 |   |   |   | 197,370 |   |
| Other, net                                                                               |   |              | (123,428   | ) |   |   | 21,709 |   |   |   | 1,081 |   |
| Net cash provided by (used for) operating activities                                     |   |              | 840,823    |   |   |   | 1,966,262 |   |   |   | 1,237,329 |   |
| Investing activities                                                                     |   |              |       |   |   |   |   |   |   |   |   |   |
| Decrease (increase) in interest-bearing deposits in banks                                |   |              | 162,913    |   |   |   | (319,989 | ) |   |   | (228,554 | ) |
| Proceeds from:                                                                           |   |              |       |   |   |   |   |   |   |   |   |   |
| Maturities and calls of investment securities                                            |   |              | 3,288,714  |   |   |   | 1,004,293 |   |   |   | 386,232 |   |
| Sales of investment securities                                                           |   |              | 4,280,518  |   |   |   | 3,585,644 |   |   |   | 555,719 |   |
| Purchases of investment securities                                                       |   |              | (8,769,767 | ) |   |   | (8,386,223 | ) |   |   | (1,338,274 | ) |
| Net proceeds from sales of loans                                                         |   |              | 941,615    |   |   |   | 949,398 |   |   |   | 471,362 |   |
| Net loan and lease activity, excluding sales                                             |   |              | (2,764,575 | ) |   |   | 1,544,524 |   |   |   | (2,358,653 | ) |
| Purchases of operating lease assets                                                      |   |              | —    |   |   |   | (119 | ) |   |   | (226,378 | ) |
| Proceeds from sale of operating lease assets                                             |   |              | 34,930     |   |   |   | 11,216 |   |   |   | 25,091 |   |
| Purchases of premises and equipment                                                      |   |              | (68,200    | ) |   |   | (49,223 | ) |   |   | (59,945 | ) |
| Proceeds from sales of other real estate                                                 |   |              | 113,298    |   |   |   | 60,499 |   |   |   | 54,520 |   |
| Other, net                                                                               |   |              | 3,770      |   |   |   | 4,619 |   |   |   | 19,172 |   |
| Net cash provided by (used for) investing activities                                     |   |              | (2,776,784 | ) |   |   | (1,595,361 | ) |   |   | (2,699,708 | ) |
| Financing activities                                                                     |   |              |       |   |   |   |   |   |   |   |   |   |
| Increase (decrease) in deposits                                                          |   |              | 1,353,227  |   |   |   | 2,559,633 |   |   |   | 195,142 |   |
| Increase (decrease) in short-term borrowings                                             |   |              | 1,128,887  |   |   |   | (277,215 | ) |   |   | (1,316,155 | ) |
| Net proceeds from issuance of subordinated notes                                         |   |              | 297,375    |   |   |   | — |   |   |   | — |   |
| Maturity/redemption of subordinated notes                                                |   |              | (83,870    | ) |   |   | (484,966 | ) |   |   | (76,659 | ) |
| Proceeds from Federal Home Loan Bank advances                                            |   |              | 450,000    |   |   |   | 207,394 |   |   |   | 1,865,294 |   |
| Maturity/redemption of Federal Home Loan Bank advances                                   |   |              | (446,718   | ) |   |   | (2,627,786 | ) |   |   | (2,360,368 | ) |
| Proceeds from issuance of long-term debt                                                 |   |              | 60,805     |   |   |   | 598,200 |   |   |   | 887,111 |   |
| Maturity/redemption of long-term debt                                                    |   |              | (848,756   | ) |   |   | (642,644 | ) |   |   | (540,266 | ) |
| Dividends paid on preferred stock                                                        |   |              | (107,901   | ) |   |   | (107,262 | ) |   |   | (23,242 | ) |
| Dividends paid on common stock                                                           |   |              | (28,598    | ) |   |   | (55,026 | ) |   |   | (279,608 | ) |
| Net proceeds from issuance of preferred stock                                            |   |              | —    |   |   |   | — |   |   |   | 1,947,625 |   |
| Payment to repurchase preferred stock                                                    |   |              | (1,398,071 | ) |   |   |   |   |   |   |   |   |
| Net proceeds from issuance of common stock                                               |   |              | 886,172    |   |   |   | 1,135,645 |   |   |   | — |   |
| Other, net                                                                               |   |              | (47        | ) |   |   | (198 | ) |   |   | (1,073 | ) |
| Net cash provided by (used for) financing activities                                     |   |              | 1,262,505  |   |   |   | 305,775 |   |   |   | 297,801 |   |
| Increase (decrease) in cash and cash equivalents                                         |   |              | (673,456   | ) |   |   | 676,676 |   |   |   | (1,164,578 | ) |
| Cash and cash equivalents at beginning of period                                         |   |              | 1,521,344  |   |   |   | 844,668 |   |   |   | 2,009,246 |   |
| Cash and cash equivalents at end of period                                               |   | $                 | 847,888    |   |   | $ | 1,521,344 |   |   | $ | 844,668 |   |
| Supplemental disclosures:                                                                |   |              |       |   |   |   |   |   |   |   |   |   |
| Income taxes paid (refunded)                                                             |   | $                 | (121,401   | ) |   | $ | (112,412 | ) |   | $ | 69,625 |   |
| Interest paid                                                                            |   |              | 552,955    |   |   |   | 869,503 |   |   |   | 1,282,877 |   |
| Non-cash activities                                                                      |   |              |       |   |   |   |   |   |   |   |   |   |
| Dividends accrued, paid in subsequent quarter                                            |   |              | 23,373     |   |   |   | 23,305 |   |   |   | 60,893 |   |

----

----

----

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----

----

----

|                                                           |   | At December 31, |     |
|----------------------------------------------------------------|--------|---------------------------|----------|
| (dollar amounts in thousands)                   |   | 2010                      |     |   | 2009 |   |
| Commercial and industrial                                      |   |                      |     |   |   |   |
| Lease payments receivable                                      |   | $                         | 748,377  |   |   | $ | 934,470 |   |
| Estimated residual value of leased assets                      |   |                      | 94,665   |   |   |   | 54,635 |   |
| Gross investment in commercial lease financing receivables     |   |                      | 843,042  |   |   |   | 989,105 |   |
| Net deferred origination costs                                 |   |                      | 2,472    |   |   |   | 3,207 |   |
| Unearned income                                                |   |                      | (109,962 | ) |   |   | (109,090 | ) |
| Total net investment in commercial lease financing receivables |   | $                         | 735,552  |   |   | $ | 883,222 |   |
| Consumer                                                       |   |                      |     |   |   |   |   |   |
| Lease payments receivable                                      |   | $                         | 22,063   |   |   | $ | 91,099 |   |
| Estimated residual value of leased assets                      |   |                      | 47,050   |   |   |   | 171,610 |   |
| Gross investment in consumer lease financing receivables       |   |                      | 69,113   |   |   |   | 262,709 |   |
| Net deferred origination fees                                  |   |                      | (95      | ) |   |   | (384 | ) |
| Unearned income                                                |   |                      | (3,788   | ) |   |   | (16,060 | ) |
| Total net investment in consumer lease financing receivables   |   | $                         | 65,230   |   |   | $ | 246,265 |   |

----

| (dollar amounts in thousands)       |   | 2010   |    |   | 2009   |   |
|----------------------------------------------------|--------|--------|---------|--------|--------|--------|
| Balance at January 1,                              |   | $      | 35,286  |   |   | $      | — |   |
| Impact of Franklin restructuring on March 31, 2009 |   |   | — |   |   |   | 39,781 |   |
| Accretion                                          |   |   | (1,773  | )      |   |   | (4,495 | ) |
| Reclassification to nonaccretable difference (1)   |   |   | (7,460  | )      |   |   | — |   |
| Transfer to loans held for sale                    |   |   | (26,053 | )      |   |   | — |   |
| Balance at December 31,                            |   | $      | — |   |   | $      | 35,286 |   |

----

|                                          |   |      |       |   | Unrealized |   |    |   |   |
|-----------------------------------------------|--------|-----------|------------|--------|------------|--------|---------|--------|--------|
|                                          |   | Amortized |       |   | Gross      |   |    | Gross  |   |   | Fair |   |
| (dollar amounts in thousands)  |   | Cost      |       |   | Gains      |   |    | Losses |   |   | Value |   |
| December 31, 2010                             |   |      |       |   |       |   |    |   |   |   |   |   |
| U.S. Treasury                            |   | $         | 52,425     |   |       | $      | — |   |   | $ | (644 | ) |   | $ | 51,781 |   |
| Federal agencies:                             |   |      |       |   |       |   |    |   |   |   |   |   |   |   |   |   |
| Mortgage-backed securities                    |   |      | 4,733,831  |   |       |   | 71,901  |   |   |   | (51,328 | ) |   |   | 4,754,404 |   |
| TLGP securities                               |   |      | 181,680    |   |       |   | 1,787   |   |   |   | — |   |   |   | 183,467 |   |
| Other agencies                                |   |      | 2,070,722  |   |       |   | 4,874   |   |   |   | (17,220 | ) |   |   | 2,058,376 |   |
| Total U.S. government                         |   |      |       |   |       |   |    |   |   |   |   |   |   |   |   |   |
| backed securities                             |   |      | 7,038,658  |   |       |   | 78,562  |   |   |   | (69,192 | ) |   |   | 7,048,028 |   |
| Municipal securities                          |   |      | 456,044    |   |       |   | 6,154   |   |   |   | (6,483 | ) |   |   | 455,715 |   |
| Private-label CMO                             |   |      | 134,509    |   |       |   | 1,236   |   |   |   | (13,820 | ) |   |   | 121,925 |   |
| Asset-backed securities (1)                   |   |      | 1,341,407  |   |       |   | 6,563   |   |   |   | (140,848 | ) |   |   | 1,207,122 |   |
| Other securities                              |   |      | 1,081,982  |   |       |   | 388     |   |   |   | (19,916 | ) |   |   | 1,062,454 |   |
| Total available-for-sale and other securities |   | $         | 10,052,600 |   |       | $      | 92,903  |   |   | $ | (250,259 | ) |   | $ | 9,895,244 |   |

|                                          |   |      |      |   | Unrealized |   |    |   |   |
|-----------------------------------------------|--------|-----------|-----------|--------|------------|--------|---------|--------|--------|
|                                          |   | Amortized |      |   | Gross      |   |    | Gross  |   |   | Fair |   |
| (dollar amounts in thousands)  |   | Cost      |      |   | Gains      |   |    | Losses |   |   | Value |   |
| December 31, 2009                             |   |      |      |   |       |   |    |   |   |   |   |   |
| U.S. Treasury                                 |   | $         | 99,735    |   |       | $      | — |   |   | $ | (581 | ) |   | $ | 99,154 |   |
| Federal agencies:                             |   |      |      |   |       |   |    |   |   |   |   |   |   |   |   |   |
| Mortgage-backed securities                    |   |      | 3,444,436 |   |       |   | 44,835  |   |   |   | (9,163 | ) |   |   | 3,480,108 |   |
| TLGP securities                               |   |      | 258,672   |   |       |   | 2,037   |   |   |   | (321 | ) |   |   | 260,388 |   |
| Other agencies                                |   |      | 2,724,815 |   |       |   | 6,346   |   |   |   | (4,158 | ) |   |   | 2,727,003 |   |
| Total U.S. government                         |   |      |      |   |       |   |    |   |   |   |   |   |   |   |   |   |
| - backed securities                           |   |      | 6,527,658 |   |       |   | 53,218  |   |   |   | (14,223 | ) |   |   | 6,566,653 |   |
| Municipal securities                          |   |      | 118,447   |   |       |   | 6,424   |   |   |   | (86 | ) |   |   | 124,785 |   |
| Private-label CMO                             |   |      | 534,377   |   |       |   | 99      |   |   |   | (57,157 | ) |   |   | 477,319 |   |
| Asset-backed securities (2)                   |   |      | 1,128,474 |   |       |   | 7,709   |   |   |   | (155,867 | ) |   |   | 980,316 |   |
| Other securities                              |   |      | 439,132   |   |       |   | 296     |   |   |   | (587 | ) |   |   | 438,841 |   |
| Total available-for-sale and other securities |   | $         | 8,748,088 |   |       | $      | 67,746  |   |   | $ | (227,920 | ) |   | $ | 8,587,914 |   |

----

|                                               |   | Less than 12 Months |      |   | Over 12 Months |   |    | Total  |   |
|----------------------------------------------------|--------|------------------------------------|-----------|--------|--------------------------|--------|---------|--------|--------|
|                                               |   | Fair                               |      |   | Unrealized               |   |    | Fair   |   |   | Unrealized |   |   | Fair |   |   | Unrealized |   |
| (dollar amounts in thousands ) |   | Value                              |      |   | Losses                   |   |    | Value  |   |   | Losses |   |   | Value |   |   | Losses |   |
| December 31, 2010                                  |   |                               |      |   |                     |   |    |   |   |   |   |   |   |   |   |   |   |   |
| U.S. Treasury                                      |   | $                                  | 51,781    |   |                     | $      | (644    | )      |   | $ | — |   |   | $ | — |   |   | $ | 51,781 |   |   | $ | (644 | ) |
| Federal Agencies:                                  |   |                               |      |   |                     |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Mortgage-backed securities                         |   |                               | 1,424,431 |   |                     |   | (51,328 | )      |   |   | — |   |   |   | — |   |   |   | 1,424,431 |   |   |   | (51,328 | ) |
| TLGP securities                                    |   |                               | —   |   |                     |   | — |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | — |   |
| Other agencies                                     |   |                               | 1,217,074 |   |                     |   | (17,134 | )      |   |   | 4,771 |   |   |   | (86 | ) |   |   | 1,221,845 |   |   |   | (17,220 | ) |
| Total U.S. Government                              |   |                               |      |   |                     |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| backed securities                                  |   |                               | 2,693,286 |   |                     |   | (69,106 | )      |   |   | 4,771 |   |   |   | (86 | ) |   |   | 2,698,057 |   |   |   | (69,192 | ) |
| Municipal securities                               |   |                               | 201,370   |   |                     |   | (6,363  | )      |   |   | 3,700 |   |   |   | (120 | ) |   |   | 205,070 |   |   |   | (6,483 | ) |
| Private label CMO                                  |   |                               | —   |   |                     |   | — |   |   |   | 85,617 |   |   |   | (13,820 | ) |   |   | 85,617 |   |   |   | (13,820 | ) |
| Asset-backed securities                            |   |                               | 214,983   |   |                     |   | (2,129  | )      |   |   | 146,866 |   |   |   | (138,719 | ) |   |   | 361,849 |   |   |   | (140,848 | ) |
| Other securities                                   |   |                               | 655,869   |   |                     |   | (19,125 | )      |   |   | 41,218 |   |   |   | (791 | ) |   |   | 697,087 |   |   |   | (19,916 | ) |
|                                               |   |                               |      |   |                     |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total temporarily impaired securities              |   | $                                  | 3,765,508 |   |                     | $      | (96,723 | )      |   | $ | 282,172 |   |   | $ | (153,536 | ) |   | $ | 4,047,680 |   |   | $ | (250,259 | ) |

|                                  |   | Less than 12 Months |      |   | Over 12 Months |   |    | Total  |   |
|---------------------------------------|--------|---------------------|-----------|--------|----------------|--------|---------|--------|--------|
|                                  |   | Fair                |      |   | Unrealized     |   |    | Fair   |   |   | Unrealized |   |   | Fair |   |   | Unrealized |   |
| (dollar amounts in thousands )        |   | Value               |      |   | Losses         |   |    | Value  |   |   | Losses |   |   | Value |   |   | Losses |   |
| December 31, 2009                     |   |                |      |   |           |   |    |   |   |   |   |   |   |   |   |   |   |   |
| U.S. Treasury                         |   | $                   | 99,154    |   |           | $      | (581    | )      |   | $ | — |   |   | $ | — |   |   | $ | 99,154 |   |   | $ | (581 | ) |
| Federal Agencies                      |   |                |      |   |           |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Mortgage-backed securities            |   |                | 1,324,960 |   |           |   | (9,163  | )      |   |   | — |   |   |   | — |   |   |   | 1,324,960 |   |   |   | (9,163 | ) |
| TLGP securities                       |   |                | 49,675    |   |           |   | (321    | )      |   |   | — |   |   |   | — |   |   |   | 49,675 |   |   |   | (321 | ) |
| Other agencies                        |   |                | 1,443,309 |   |           |   | (4,081  | )      |   |   | 6,475 |   |   |   | (77 | ) |   |   | 1,449,784 |   |   |   | (4,158 | ) |
| Total U.S. Government                 |   |                |      |   |           |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| backed securities                     |   |                | 2,917,098 |   |           |   | (14,146 | )      |   |   | 6,475 |   |   |   | (77 | ) |   |   | 2,923,573 |   |   |   | (14,223 | ) |
| Municipal securities                  |   |                | 3,993     |   |           |   | (7      | )      |   |   | 3,741 |   |   |   | (79 | ) |   |   | 7,734 |   |   |   | (86 | ) |
| Private label CMO                     |   |                | 15,280    |   |           |   | (3,831  | )      |   |   | 452,439 |   |   |   | (53,326 | ) |   |   | 467,719 |   |   |   | (57,157 | ) |
| Asset-backed securities               |   |                | 236,451   |   |           |   | (8,822  | )      |   |   | 207,581 |   |   |   | (147,045 | ) |   |   | 444,032 |   |   |   | (155,867 | ) |
| Other securities                      |   |                | 39,413    |   |           |   | (372    | )      |   |   | 410 |   |   |   | (215 | ) |   |   | 39,823 |   |   |   | (587 | ) |
|                                  |   |                |      |   |           |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total temporarily impaired securities |   | $                   | 3,212,235 |   |           | $      | (27,178 | )      |   | $ | 670,646 |   |   | $ | (200,742 | ) |   | $ | 3,882,881 |   |   | $ | (227,920 | ) |

|                                          |   | 2010      |       |   | 2009   |   |
|-----------------------------------------------|--------|-----------|------------|--------|--------|--------|
|                                          |   | Amortized |       |   | Fair   |   |   | Amortized |   |   | Fair |   |
| (dollar amounts in thousands)                 |   | Cost      |       |   | Value  |   |   | Cost |   |   | Value |   |
| Under 1 year                                  |   | $         | 335,192    |   |   | $      | 337,715 |   |   | $ | 162,238 |   |   | $ | 164,768 |   |
| 1 - 5 years                                   |   |      | 3,540,183  |   |   |   | 3,510,490 |   |   |   | 3,278,176 |   |   |   | 3,279,359 |   |
| 6 - 10 years                                  |   |      | 1,128,657  |   |   |   | 1,139,727 |   |   |   | 1,013,065 |   |   |   | 1,019,152 |   |
| Over 10 years                                 |   |      | 4,685,902  |   |   |   | 4,545,304 |   |   |   | 3,863,487 |   |   |   | 3,694,008 |   |
| Nonmarketable equity securities               |   |      | 308,722    |   |   |   | 308,722 |   |   |   | 376,640 |   |   |   | 376,640 |   |
| Marketable equity securities                  |   |      | 53,944     |   |   |   | 53,286 |   |   |   | 54,482 |   |   |   | 53,987 |   |
| Total available-for-sale and other securities |   | $         | 10,052,600 |   |   | $      | 9,895,244 |   |   | $ | 8,748,088 |   |   | $ | 8,587,914 |   |

----

| (dollar amounts in thousands)          |   | 2010   |    |   | 2009   |   |    | 2008   |   |
|----------------------------------------|--------|--------|---------|--------|--------|--------|---------|--------|--------|
| Gross gains on sales of securities     |   | $      | 28,992  |   |   | $      | 59,762  |   |   | $ | 9,364 |   |
| Gross (losses) on sales of securities  |   |   | (15,544 | )      |   |   | (10,947 | )      |   |   | (10 | ) |
| Net gain (loss) on sales of securities |   |   | 13,448  |   |   |   | 48,815  |   |   |   | 9,354 |   |
| OTTI recorded - pre adoption (1)       |   |   | — |   |   |   | (3,937  | )      |   |   | (206,724 | ) |
| OTTI recorded - post adoption (1)      |   |   | (13,722 | )      |   |   | (55,127 | )      |   |   | — |   |
| Net OTTI recorded                      |   |   | (13,722 | )      |   |   | (59,064 | )      |   |   | (206,724 | ) |
| Total securities gain (loss)           |   | $      | (274    | )      |   | $      | (10,249 | )      |   | $ | (197,370 | ) |

|                                                     |   | Year Ended December 31, 2010 |   |
|----------------------------------------------------------|--------|------------------------------|--------|
|                                                     |   | Alt-A                        |   | Pooled- |   | Private |   |   |   |
| (dollar amounts in thousands)                            |   | Mortgage-backed              |   | trust-preferred |   | Label CMO |   | Total |   |
| Total OTTI recoveries (losses) (unrealized and realized) |   | $                            | 566    |   | $ | 1,254 |   | $ | 8,046 |   | $ | 9,866 |   |
| Unrealized OTTI (recoveries) losses recognized in OCI    |   |                         | (2,198 | ) |   | (6,176 | ) |   | (15,195 | ) |   | (23,569 | ) |
| Net impairment losses recognized in earnings             |   | $                            | (1,632 | ) | $ | (4,922 | ) | $ | (7,149 | ) | $ | (13,703 | ) |

|                                                     |   | Year Ended December 31, 2009 (1) |    |
|----------------------------------------------------------|--------|----------------------------------|---------|
|                                                     |   | Alt-A                            |    | Pooled- |   | Private |   |   |   |
| (dollar amounts in thousands)                            |   | Mortgage-backed                  |    | trust-preferred |   | Label CMO |   | Total |   |
| Total OTTI (losses) recoveries (unrealized and realized) |   | $                                | (16,906 | ) | $ | (131,902 | ) | $ | (30,727 | ) | $ | (179,535 | ) |
| Unrealized OTTI losses (recoveries) recognized in OCI    |   |                             | 6,186   |   |   | 93,491 |   |   | 24,731 |   |   | 124,408 |   |
| Net impairment losses recognized in earnings             |   | $                                | (10,720 | ) | $ | (38,411 | ) | $ | (5,996 | ) | $ | (55,127 | ) |

----

|                                  |   | Year Ended December 31, |    |
|---------------------------------------|--------|-------------------------|---------|
| (dollar amounts in thousands)         |   | 2010                    |    |   | 2009 (1) |   |
| Balance, beginning of year            |   | $                       | 124,408 |   |   | $ | — |   |
| Reductions from sales                 |   |                    | (12,907 | ) |   |   | — |   |
| Credit losses not previous recognized |   |                    | 30,215  |   |   |   | 128,892 |   |
| Change in expected cash flows         |   |                    | (49,802 | ) |   |   | (11,201 | ) |
| Additional credit losses              |   |                    | 8,924   |   |   |   | 6,717 |   |
| Balance, end of year                  |   | $                       | 100,838 |   |   | $ | 124,408 |   |

|                                  |   | Year Ended December 31, |    |
|---------------------------------------|--------|-------------------------|---------|
| (dollar amounts in thousands)         |   | 2010                    |    |   | 2009 (1) |   |
| Balance, beginning of year            |   | $                       | 53,801  |   |   | $ | — |   |
| Reductions from sales                 |   |                    | (12,968 | ) |   |   | (1,326 | ) |
| Credit losses not previous recognized |   |                    | 2,381   |   |   |   | 55,127 |   |
| Additional credit losses              |   |                    | 11,322  |   |   |   | — |   |
| Balance, end of year                  |   | $                       | 54,536  |   |   | $ | 53,801 |   |

----

| Fair Value Method                              |   |   |    |   |   |   |
|------------------------------------------------|--------|--------|---------|--------|--------|--------|
| (dollar amounts in thousands)                  |   | 2010   |    |   | 2009   |   |
| Fair value, beginning of year                  |   | $      | 176,427 |   |   | $      | 167,438 |   |
| New servicing assets created                   |   |   | — |   |   |   | 23,074 |   |
| Change in fair value during the period due to: |   |   |    |   |   |   |   |   |
| Time decay (1)                                 |   |   | (5,359  | )      |   |   | (6,798 | ) |
| Payoffs (2)                                    |   |   | (32,668 | )      |   |   | (38,486 | ) |
| Changes in valuation inputs or assumptions (3) |   |   | (12,721 | )      |   |   | 34,305 |   |
| Other changes                                  |   |   | — |   |   |   | (3,106 | ) |
| Fair value, end of year                        |   | $      | 125,679 |   |   | $      | 176,427 |   |

| (dollar amounts in thousands)     |   | 2010   |   |   | 2009   |   |
|-----------------------------------|--------|--------|--------|--------|--------|--------|
| Carrying value, beginning of year |   | $      | 38,165 |   |   | $      | — |   |
| New servicing assets created      |   |   | 41,489 |   |   |   | 40,452 |   |
| Amortization and other            |   |   | (9,138 | )      |   |   | (2,287 | ) |
| Carrying value, end of year       |   | $      | 70,516 |   |   | $      | 38,165 |   |
| Fair value, end of year           |   | $      | 87,461 |   |   | $      | 43,769 |   |

|                                         |   |   |   |   | Decline in fair value due to |   |
|----------------------------------------------|--------|--------|--------|--------|------------------------------|--------|
|                                         |   |   |   |   | 10%                          |   |   | 20% |   |
|                                         |   |   |   |   | adverse                      |   |   | adverse |   |
| (dollar amounts in thousands)                |   | Actual |   |   | change                       |   |   | change |   |
| Constant prepayment rate                     |   |   | 10.74  | %      |                         | $      | (7,235 | ) |   | $ | (13,311 | ) |
| Spread over forward interest rate swap rates |   | 511    | bps    |   |                         | (2,791 | ) |   |   | (5,583 | ) |

----

| (dollar amounts in thousands)     |   | 2010   |    |       | 2009   |   |
|-----------------------------------|--------|--------|---------|------------|--------|--------|
| Carrying value, beginning of year |   | $      | 12,912  |       |   | $      | 1,656 |   |
| New servicing assets created      |   |   | — |       |   |   | 19,538 |   |
| Amortization and other            |   |   | (12,815 | ) (1) |   |   | (8,282 | ) |
| Carrying value, end of year       |   | $      | 97      |       |   | $      | 12,912 |   |
| Fair value, end of year           |   | $      | 278     |       |   | $      | 14,985 |   |

| (1)  | Included a $12.4 million reduction related to the consolidation of the VIE as noted above. |
|-----------|--------------------------------------------------------------------------------------------|

|                                                                                |   | Year Ended December 31, |       |
|-------------------------------------------------------------------------------------|--------|-------------------------|------------|
| (dollar amounts in thousands)                                                       |   | 2010                    |       |   | 2009 |   |   | 2008 |   |
|                                                                                |   |                    |       |   |   |   |   |   |   |
| Allowance for loan and leases losses, beginning of year (ALLL)                      |   | $                       | 1,482,479  |   |   | $ | 900,227 |   |   | $ | 578,442 |   |
| Loan charge-offs                                                                    |   |                    | (1,003,907 | ) |   |   | (1,561,378 | ) |   |   | (806,330 | ) |
| Recoveries of loans previously charged-off                                          |   |                    | 129,433    |   |   |   | 84,791 |   |   |   | 48,263 |   |
| Net loan and lease charge-offs                                                      |   |                    | (874,474   | ) |   |   | (1,476,587 | ) |   |   | (758,067 | ) |
| Provision for loan and lease losses                                                 |   |                    | 641,299    |   |   |   | 2,069,931 |   |   |   | 1,067,789 |   |
| Economic reserve transfer                                                           |   |                    | —    |   |   |   | — |   |   |   | 12,063 |   |
| Allowance for assets sold and securitized                                           |   |                    | (296       | ) |   |   | (9,188 | ) |   |   | — |   |
| Allowance for loans transferred to loans held for sale                              |   |                    | —    |   |   |   | (1,904 | ) |   |   | — |   |
| Allowance for loan and lease losses, end of year                                    |   | $                       | 1,249,008  |   |   | $ | 1,482,479 |   |   | $ | 900,227 |   |
|                                                                                |   |                    |       |   |   |   |   |   |   |   |   |   |
| Allowance for unfunded loan commitments and letters of credit,                      |   |                    |       |   |   |   |   |   |   |   |   |   |
| beginning of year (AULC)                                                            |   | $                       | 48,879     |   |   | $ | 44,139 |   |   | $ | 66,528 |   |
| (Reduction in) provision for unfunded loan commitments and letters of credit losses |   |                    | (6,752     | ) |   |   | 4,740 |   |   |   | (10,326 | ) |
| Economic reserve transfer                                                           |   |                    | —    |   |   |   | — |   |   |   | (12,063 | ) |
| Allowance for unfunded loan commitments and letters of credit, end of year          |   | $                       | 42,127     |   |   | $ | 48,879 |   |   | $ | 44,139 |   |
|                                                                                |   |                    |       |   |   |   |   |   |   |   |   |   |
| Total allowance for credit losses (ACL)                                             |   | $                       | 1,291,135  |   |   | $ | 1,531,358 |   |   | $ | 944,366 |   |
|                                                                                |   |                    |       |   |   |   |   |   |   |   |   |   |
| Recorded balance of impaired loans, at end of year (1):                             |   |                    |       |   |   |   |   |   |   |   |   |   |
| With specific reserves assigned to the loan and lease balances (2)                  |   | $                       | 825,292    |   |   | $ | 873,215 |   |   | $ | 1,122,575 |   |
| With no specific reserves assigned to the loan and lease balances                   |   |                    | 94,290     |   |   |   | 221,384 |   |   |   | 75,799 |   |
| Total                                                                               |   | $                       | 919,582    |   |   | $ | 1,094,599 |   |   | $ | 1,198,374 |   |
|                                                                                |   |                    |       |   |   |   |   |   |   |   |   |   |
| Average balance of impaired loans for the year (1)                                  |   | $                       | 1,064,235  |   |   | $ | 1,010,044 |   |   | $ | 1,369,857 |   |
| Allowance for loan and lease losses on impaired loans (1)                           |   |                    | 143,860    |   |   |   | 175,442 |   |   |   | 301,457 |   |

| (1) | 2010 and 2009 includes impaired C&I and CRE loans with outstanding balances greater than $1 million. 2008 includes impaired C&I and CRE loans with outstanding balances greater than $1 million for business-banking loans, and $500,000 for all other loans. A loan is impaired when it is probable that Huntington will be unable to collect all amounts due according to the contractual terms of the loan agreement.   The recovery of the investment in impaired loans with no specific reserves generally is expected from the sale of collateral, net of costs to sell that collateral. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (2) | As a result of the troubled debt restructuring, the loans to Franklin of $0.7 billion are included in impaired loans at the end of 2008. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------|

----

|                                                                                 |   | CommercialandIndustrial |     |   | CommercialReal Estate |   |     | Automobileloans andleases |   |   | HomeEquity (1) |   |   | ResidentialMortgage(2) |     |   | OtherConsumer |   |     | Total  |   |
|-------------------------------------------------------------------------------------------|--------|-------------------------|----------|--------|-----------------------|--------|----------|---------------------------|--------|--------|----------------|--------|--------|------------------------|----------|--------|---------------|--------|----------|--------|--------|
|                                                                                      |   |                    |     |   |                  |   |     |                      |   |   |           |   |   |                   |     |   |          |   |     |   |   |
| Allowance for Loan and Lease Losses:                                                      |   |                    |     |   |                  |   |     |                      |   |   |           |   |   |                   |     |   |          |   |     |   |   |
| (dollar amounts in thousands)                                                             |   |                    |     |   |                  |   |     |                      |   |   |           |   |   |                   |     |   |          |   |     |   |   |
|                                                                                      |   |                    |     |   |                  |   |     |                      |   |   |           |   |   |                   |     |   |          |   |     |   |   |
| Balance at January 1, 2010:                                                               |   | $                       | 492,205  |   |                  | $      | 751,875  |                      |   | $      | 57,951         |   |   | $                      | 102,039  |   |          | $      | 55,903   |   |   | $ | 22,506 |   |   | $ | 1,482,479 |   |
| Loan charge-offs                                                                          |   |                    | (316,771 | )      |                  |   | (303,995 | )                         |   |   | (46,308        | )      |   |                   | (140,831 | )      |          |   | (163,427 | )      |   |   | (32,575 | ) |   |   | (1,003,907 | ) |
| Recoveries of loans previously charged-off                                                |   |                    | 61,839   |   |                  |   | 28,433   |                      |   |   | 19,736         |   |   |                   | 1,458    |   |          |   | 10,532   |   |   |   | 7,435 |   |   |   | 129,433 |   |
| Provision for loan and lease losses                                                       |   |                    | 103,341  |   |                  |   | 111,938  |                      |   |   | 18,109         |   |   |                   | 187,964  |   |          |   | 190,577  |   |   |   | 29,370 |   |   |   | 641,299 |   |
| Allowance for loans sold or transferred to loans held for sale                            |   |                    | —  |   |                  |   | —  |                      |   |   | —        |   |   |                   | —  |   |          |   | (296     | )      |   |   | — |   |   |   | (296 | ) |
|                                                                                      |   |                    |     |   |                  |   |     |                      |   |   |           |   |   |                   |     |   |          |   |     |   |   |   |   |   |   |   |   |   |
| Balance at December 31, 2010:                                                             |   | $                       | 340,614  |   |                  | $      | 588,251  |                      |   | $      | 49,488         |   |   | $                      | 150,630  |   |          | $      | 93,289   |   |   | $ | 26,736 |   |   | $ | 1,249,008 |   |
|                                                                                      |   |                    |     |   |                  |   |     |                      |   |   |           |   |   |                   |     |   |          |   |     |   |   |   |   |   |   |   |   |   |
| Portion of ending balance:                                                                |   |                    |     |   |                  |   |     |                      |   |   |           |   |   |                   |     |   |          |   |     |   |   |   |   |   |   |   |   |   |
|                                                                                      |   |                    |     |   |                  |   |     |                      |   |   |           |   |   |                   |     |   |          |   |     |   |   |   |   |   |   |   |   |   |
| Individually evaluated for impairment                                                     |   | $                       | 63,307   |   |                  | $      | 65,130   |                      |   | $      | 1,477          |   |   | $                      | 1,498    |   |          | $      | 11,780   |   |   | $ | 668 |   |   | $ | 143,860 |   |
| Collectively evaluated for impairment                                                     |   |                    | 277,307  |   |                  |   | 523,121  |                      |   |   | 48,011         |   |   |                   | 149,132  |   |          |   | 81,509   |   |   |   | 26,068 |   |   |   | 1,105,148 |   |
| Total ALLL evaluated for impairment                                                       |   | $                       | 340,614  |   |                  | $      | 588,251  |                      |   | $      | 49,488         |   |   | $                      | 150,630  |   |          | $      | 93,289   |   |   | $ | 26,736 |   |   | $ | 1,249,008 |   |
|                                                                                      |   |                    |     |   |                  |   |     |                      |   |   |           |   |   |                   |     |   |          |   |     |   |   |   |   |   |   |   |   |   |
| ALLL associated with portfolio loans acquired with deteriorated credit quality            |   | $                       | -        |   |                  | $      | -        |                      |   | $      | -              |   |   | $                      | -        |   |          | $      | -        |   |   | $ | - |   |   | $ | - |   |
|                                                                                      |   |                    |     |   |                  |   |     |                      |   |   |           |   |   |                   |     |   |          |   |     |   |   |   |   |   |   |   |   |   |
| Loans and Leases at December 31, 2010:                                                    |   |                    |     |   |                  |   |     |                      |   |   |           |   |   |                   |     |   |          |   |     |   |   |   |   |   |   |   |   |   |
| (dollar amounts in millions)                                                              |   |                    |     |   |                  |   |     |                      |   |   |           |   |   |                   |     |   |          |   |     |   |   |   |   |   |   |   |   |   |
|                                                                                      |   |                    |     |   |                  |   |     |                      |   |   |           |   |   |                   |     |   |          |   |     |   |   |   |   |   |   |   |   |   |
| Ending balance                                                                            |   | $                       | 13,063   |   |                  | $      | 6,651    |                      |   | $      | 5,615          |   |   | $                      | 7,713    |   |          | $      | 4,500    |   |   | $ | 564 |   |   | $ | 38,106 |   |
|                                                                                      |   |                    |     |   |                  |   |     |                      |   |   |           |   |   |                   |     |   |          |   |     |   |   |   |   |   |   |   |   |   |
| Portion of ending balance:                                                                |   |                    |     |   |                  |   |     |                      |   |   |           |   |   |                   |     |   |          |   |     |   |   |   |   |   |   |   |   |   |
|                                                                                      |   |                    |     |   |                  |   |     |                      |   |   |           |   |   |                   |     |   |          |   |     |   |   |   |   |   |   |   |   |   |
| Individually evaluated for impairment                                                     |   |                    | 198      |   |                  |   | 311      |                      |   |   | 30             |   |   |                   | 37       |   |          |   | 334      |   |   |   | 10 |   |   |   | 920 |   |
| Collectively evaluated for impairment                                                     |   |                    | 12,865   |   |                  |   | 6,340    |                      |   |   | 5,585          |   |   |                   | 7,676    |   |          |   | 4,166    |   |   |   | 554 |   |   |   | 37,186 |   |
| Total loans evaluated for impairment                                                      |   | $                       | 13,063   |   |                  | $      | 6,651    |                      |   | $      | 5,615          |   |   | $                      | 7,713    |   |          | $      | 4,500    |   |   | $ | 564 |   |   | $ | 38,106 |   |
|                                                                                      |   |                    |     |   |                  |   |     |                      |   |   |           |   |   |                   |     |   |          |   |     |   |   |   |   |   |   |   |   |   |
| Portfolio loans acquired with deteriorated credit quality                                 |   | $                       | —  |   |                  | $      | —  |                      |   | $      | —        |   |   | $                      | —  |   |          | $      | —  |   |   | $ | — |   |   | $ | — |   |
|                                                                                      |   |                    |     |   |                  |   |     |                      |   |   |           |   |   |                   |     |   |          |   |     |   |   |   |   |   |   |   |   |   |
| Portfolio loans purchased (during 2010)                                                   |   |                    | —  |   |                  |   | —  |                      |   |   | —        |   |   |                   | —  |   |          |   | —  |   |   |   | — |   |   |   | — |   |
|                                                                                      |   |                    |     |   |                  |   |     |                      |   |   |           |   |   |                   |     |   |          |   |     |   |   |   |   |   |   |   |   |   |
| Portfolio loans with ALLL sold or transferred to loans held for sale (during 2010)        |   |                    | —  |   |                  |   | —  |                      |   |   | —        |   |   |                   | —  |   |          |   | 311      |   |   |   | — |   |   |   | 311 |   |
| Portfolio loans without ALLL sold or transferred to loans held for sale (during 2010) (3) |   |                    | 124      |   |                  |   | 137      |                      |   |   | —        |   |   |                   | 48       |   |          |   | 505      |   |   |   | — |   |   |   | 814 |   |

| (1) | Reflects $21 million of Franklin-related net charge-offs. |
|-----|-----------------------------------------------------------|

| (2) | Reflects $71 million of Franklin-related net charge-offs. |
|-----|-----------------------------------------------------------|

| (3) | Reflects $323 million of Franklin-related loans. |
|-----|--------------------------------------------------|

----

| December 31, 2010               |   | Credit Risk Profile by UCS classification |   |
|---------------------------------|--------|-------------------------------------------|--------|
| (dollar amounts in millions)    |   | Pass                                      |   |   | OLEM |   |   | Substandard |   |   | Doubtful |   |   | Total |   |
| Commercial and Industrial:      |   |                                      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Owner occupied                  |   | $                                         | 3,265  |   |   | $ | 159 |   |   | $ | 393 |   |   | $ | 6 |   |   | $ | 3,823 |   |
| Other commercial and industrial |   |                                      | 8,435  |   |   |   | 265 |   |   |   | 525 |   |   |   | 15 |   |   |   | 9,240 |   |
| Total C&I                   |   | $                                         | 11,700 |   |   | $ | 424 |   |   | $ | 918 |   |   | $ | 21 |   |   | $ | 13,063 |   |
|                            |   |                                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Commercial real estate:         |   |                                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Retail properties               |   | $                                         | 1,284  |   |   | $ | 128 |   |   | $ | 350 |   |   | $ | — |   |   | $ | 1,762 |   |
| Multi family                    |   |                                      | 899    |   |   |   | 79 |   |   |   | 144 |   |   |   | — |   |   |   | 1,122 |   |
| Office                          |   |                                      | 868    |   |   |   | 122 |   |   |   | 133 |   |   |   | — |   |   |   | 1,123 |   |
| Industrial and warehouse        |   |                                      | 668    |   |   |   | 72 |   |   |   | 113 |   |   |   | — |   |   |   | 853 |   |
| Other commercial real estate    |   |                                      | 1,221  |   |   |   | 88 |   |   |   | 481 |   |   |   | 1 |   |   |   | 1,791 |   |
| Total CRE                       |   | $                                         | 4,940  |   |   | $ | 489 |   |   | $ | 1,221 |   |   | $ | 1 |   |   | $ | 6,651 |   |

|                                   |   | Credit Risk Profile by FICO score (1) |   |
|----------------------------------------|--------|---------------------------------------|--------|
|                                   |   | 750+                                  |   |   | 650-749 |   |   | <650 |   |   | Other (2) |   |   | Total |   |
| Automobile loans and leases            |   | $                                     | 2,516  |   |   | $ | 2,267 |   |   | $ | 725 |   |   | $ | 107 |   |   | $ | 5,615 |   |
| Home equity loans and lines-of-credit: |   |                                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Secured by first-lien                  |   |                                  | 1,644  |   |   |   | 1,082 |   |   |   | 314 |   |   |   | 1 |   |   |   | 3,041 |   |
| Secured by second-lien                 |   |                                  | 2,224  |   |   |   | 1,768 |   |   |   | 679 |   |   |   | 1 |   |   |   | 4,672 |   |
| Residential mortgage                   |   |                                  | 1,978  |   |   |   | 1,580 |   |   |   | 796 |   |   |   | 146 |   |   |   | 4,500 |   |
| Other consumer loans                   |   |                                  | 207    |   |   |   | 235 |   |   |   | 102 |   |   |   | 20 |   |   |   | 564 |   |

| (1)  | Reflects currently updated customer credit scores. |
|-----------|----------------------------------------------------|

| (2)  | Reflects deferred fees and costs, loans in process, loans to legal entities, etc. |
|-----------|-----------------------------------------------------------------------------------|

----

| December 31, 2010                      |   |   |    |
|----------------------------------------|--------|--------|---------|
| (dollar amounts in millions)           |   |   |    |
|                                   |   |   |    |
| Commercial and Industrial:             |   |   |    |
| Owner occupied                         |   | $      | 139     |   |
| Other commercial and industrial        |   |   | 208     |   |
| Total C&I                          |   | $      | 347     |   |
|                                   |   |   |    |   |
| Commercial real estate:                |   |   |    |   |
| Retail properties                      |   | $      | 97      |   |
| Multi family                           |   |   | 45      |   |
| Office                                 |   |   | 48      |   |
| Industrial and warehouse               |   |   | 40      |   |
| Other commercial real estate           |   |   | 134     |   |
| Total CRE                              |   | $      | 364     |   |
|                                   |   |   |    |   |
| Automobile loans and leases            |   | $      | — |   |
| Home equity loans and lines-of-credit: |   |   |    |   |
| Secured by first-lien                  |   |   | 10      |   |
| Secured by second-lien                 |   |   | 12      |   |
| Residential mortgage                   |   |   | 45      |   |
| Other consumer loans                   |   |   | — |   |
|                                   |   |   |    |   |
| Total nonaccrual loans                 |   | $      | 778     |   |

| December 31, 2010                 |   |            |   |   |            |   |   |                           |   |   |                   |   |   |    |   |   |            |   |   | 90 or more days |   |
|---------------------------------------------|--------|-----------------|--------|--------|-----------------|--------|--------|--------------------------------|--------|--------|------------------------|--------|--------|---------|--------|--------|-----------------|--------|--------|--------------------------------|--------|
| (dollar amounts in millions) |   | Past Due   |   |   |            |   |   | Total Loans               |   |   | past due and |   |
|                                        |   | 30-59 Days |   |   | 60-89 Days |   |   | 90 or more days |   |   | Total                  |   |   | Current |   |   | and Leases |   |   | accruing                       |   |
|                                        |   |            |   |   |            |   |   |                           |   |   |                   |   |   |    |   |   |            |   |   |                           |   |
| Commercial and Industrial:                  |   |            |   |   |            |   |   |                           |   |   |                   |   |   |    |   |   |            |   |   |                           |   |
| Owner occupied                              |   | $               | 16     |   |            | $      | 9      |                           |   | $      | 80                     |   |   | $       | 105    |   |            | $      | 3,718  |                           |   | $ | 3,823 |   |   | $ | — |   |
| Other commercial and industrial             |   |            | 35     |   |            |   | 36     |                           |   |   | 110                    |   |   |    | 181    |   |            |   | 9,059  |                           |   |   | 9,240 |   |   |   | — |   |
| Total C&I                               |   | $               | 51     |   |            | $      | 45     |                           |   | $      | 190                    |   |   | $       | 286    |   |            | $      | 12,777 |                           |   | $ | 13,063 |   |   | $ | — |   |
|                                        |   |            |   |   |            |   |   |                           |   |   |                   |   |   |    |   |   |            |   |   |                           |   |   |   |   |   |   |   |   |
| Commercial real estate:                     |   |            |   |   |            |   |   |                           |   |   |                   |   |   |    |   |   |            |   |   |                           |   |   |   |   |   |   |   |   |
| Retail properties                           |   | $               | 24     |   |            | $      | 1      |                           |   | $      | 73                     |   |   | $       | 98     |   |            | $      | 1,665  |                           |   | $ | 1,763 |   |   | $ | — |   |
| Multi family                                |   |            | 9      |   |            |   | 8      |                           |   |   | 32                     |   |   |    | 49     |   |            |   | 1,073  |                           |   |   | 1,122 |   |   |   | — |   |
| Office                                      |   |            | 21     |   |            |   | 6      |                           |   |   | 36                     |   |   |    | 63     |   |            |   | 1,060  |                           |   |   | 1,123 |   |   |   | — |   |
| Industrial and warehouse                    |   |            | 4      |   |            |   | 8      |                           |   |   | 13                     |   |   |    | 25     |   |            |   | 828    |                           |   |   | 853 |   |   |   | — |   |
| Other commercial real estate                |   |            | 47     |   |            |   | 8      |                           |   |   | 90                     |   |   |    | 145    |   |            |   | 1,645  |                           |   |   | 1,790 |   |   |   | — |   |
| Total CRE                                   |   | $               | 105    |   |            | $      | 31     |                           |   | $      | 244                    |   |   | $       | 380    |   |            | $      | 6,271  |                           |   | $ | 6,651 |   |   | $ | — |   |
|                                        |   |            |   |   |            |   |   |                           |   |   |                   |   |   |    |   |   |            |   |   |                           |   |   |   |   |   |   |   |   |
| Automobile loans and leases                 |   | $               | 48     |   |            |   | 12     |                           |   | $      | 8                      |   |   | $       | 68     |   |            | $      | 5,547  |                           |   | $ | 5,615 |   |   | $ | 8 |   |
| Home equity loans and lines-of-credit:      |   |            |   |   |            |   |   |                           |   |   |                   |   |   |    |   |   |            |   |   |                           |   |   |   |   |   |   |   |   |
| Secured by first-lien                       |   |            | 15     |   |            |   | 8      |                           |   |   | 19                     |   |   |    | 42     |   |            |   | 2,999  |                           |   |   | 3,041 |   |   |   | 8 |   |
| Secured by second-lien                      |   |            | 36     |   |            |   | 17     |                           |   |   | 27                     |   |   |    | 80     |   |            |   | 4,592  |                           |   |   | 4,672 |   |   |   | 16 |   |
| Residential mortgage                        |   |            | 115    |   |            |   | 58     |                           |   |   | 197                    |   |   |    | 370    |   |            |   | 4,130  |                           |   |   | 4,500 |   |   |   | 152 |   |
| Other consumer loans                        |   |            | 7      |   |            |   | 2      |                           |   |   | 3                      |   |   |    | 12     |   |            |   | 552    |                           |   |   | 564 |   |   |   | 2 |   |

----

| (dollar amounts in millions) |   |                        |    |   |                        |   |    |             |   |   | Year Ended |   |
|---------------------------------------------|--------|-----------------------------|---------|--------|-----------------------------|--------|---------|------------------|--------|--------|-----------------|--------|
|                                        |   | December 31, 2010 |    |   | December 31, 2010 |   |
|                                        |   | EndingBalance               |    |   | UnpaidPrincipalBalance      |   |    | RelatedAllowance |   |   | AverageBalance  |   |   | InterestIncomeRecognized |   |
|                                        |   |                        |    |   |                        |   |    |             |   |   |            |   |   |   |   |
| With no related allowance recorded:         |   |                        |    |   |                        |   |    |             |   |   |            |   |   |   |   |
| Commercial and Industrial:                  |   |                        |    |   |                        |   |    |             |   |   |            |   |   |   |   |
| Owner occupied                              |   | $                           | 13.8    |   |                        | $      | 26.6    |             |   | $      | —         |   |   | $ | 8.5 |   |   | $ | — |   |
| Other commercial and industrial             |   |                        | 11.1    |   |                        |   | 22.7    |             |   |   | —         |   |   |   | 14.0 |   |   |   | 0.1 |   |
| Total C&I                               |   | $                           | 24.9    |   |                        | $      | 49.3    |             |   | $      | —         |   |   | $ | 22.5 |   |   | $ | 0.1 |   |
|                                        |   |                        |    |   |                        |   |    |             |   |   |            |   |   |   |   |   |   |   |   |   |
| Commercial real estate:                     |   |                        |    |   |                        |   |    |             |   |   |            |   |   |   |   |   |   |   |   |   |
| Retail properties                           |   | $                           | 32.0    |   |                        | $      | 67.5    |             |   | $      | —         |   |   | $ | 43.0 |   |   | $ | 0.1 |   |
| Multi family                                |   |                        | 5.1     |   |                        |   | 5.7     |             |   |   | —         |   |   |   | 3.5 |   |   |   | 0.1 |   |
| Office                                      |   |                        | 2.3     |   |                        |   | 3.6     |             |   |   | —         |   |   |   | 6.8 |   |   |   | — |   |
| Industrial and warehouse                    |   |                        | 3.3     |   |                        |   | 6.9     |             |   |   | —         |   |   |   | 7.4 |   |   |   | — |   |
| Other commercial real estate                |   |                        | 26.7    |   |                        |   | 58.9    |             |   |   | —         |   |   |   | 38.0 |   |   |   | 0.2 |   |
| Total CRE                                   |   | $                           | 69.4    |   |                        | $      | 142.6   |             |   | $      | —         |   |   | $ | 98.7 |   |   | $ | 0.4 |   |
|                                        |   |                        |    |   |                        |   |    |             |   |   |            |   |   |   |   |   |   |   |   |   |
| Automobile loans and leases                 |   | $                           | — |   |                        | $      | — |             |   | $      | —         |   |   | $ | — |   |   | $ | — |   |
| Home equity loans and lines-of-credit:      |   |                        |    |   |                        |   |    |             |   |   |            |   |   |   |   |   |   |   |   |   |
| Secured by first-lien                       |   |                        | — |   |                        |   | — |             |   |   | —         |   |   |   | — |   |   |   | — |   |
| Secured by second-lien                      |   |                        | — |   |                        |   | — |             |   |   | —         |   |   |   | — |   |   |   | — |   |
| Residential mortgage                        |   |                        | — |   |                        |   | — |             |   |   | —         |   |   |   | — |   |   |   | — |   |
| Other consumer loans                        |   |                        | — |   |                        |   | — |             |   |   | —         |   |   |   | — |   |   |   | — |   |
|                                        |   |                        |    |   |                        |   |    |             |   |   |            |   |   |   |   |   |   |   |   |   |
| With an allowance recorded:                 |   |                        |    |   |                        |   |    |             |   |   |            |   |   |   |   |   |   |   |   |   |
| Commercial and Industrial:                  |   |                        |    |   |                        |   |    |             |   |   |            |   |   |   |   |   |   |   |   |   |
| Owner occupied                              |   | $                           | 64.0    |   |                        | $      | 85.3    |             |   | $      | 14.3            |   |   | $ | 51.6 |   |   | $ | 0.1 |   |
| Other commercial and industrial             |   |                        | 109.2   |   |                        |   | 154.4   |             |   |   | 49.0            |   |   |   | 156.5 |   |   |   | 0.4 |   |
| Total C&I                               |   | $                           | 173.2   |   |                        | $      | 239.7   |             |   | $      | 63.3            |   |   | $ | 208.1 |   |   | $ | 0.5 |   |
|                                        |   |                        |    |   |                        |   |    |             |   |   |            |   |   |   |   |   |   |   |   |   |
| Commercial real estate:                     |   |                        |    |   |                        |   |    |             |   |   |            |   |   |   |   |   |   |   |   |   |
| Retail properties                           |   | $                           | 74.7    |   |                        | $      | 120.1   |             |   | $      | 14.8            |   |   | $ | 114.3 |   |   | $ | 0.8 |   |
| Multi family                                |   |                        | 38.8    |   |                        |   | 39.3    |             |   |   | 7.8             |   |   |   | 55.4 |   |   |   | 0.4 |   |
| Office                                      |   |                        | 26.6    |   |                        |   | 31.3    |             |   |   | 9.5             |   |   |   | 30.3 |   |   |   | — |   |
| Industrial and warehouse                    |   |                        | 34.6    |   |                        |   | 44.2    |             |   |   | 10.5            |   |   |   | 59.0 |   |   |   | 0.3 |   |
| Other commercial real estate                |   |                        | 66.6    |   |                        |   | 104.4   |             |   |   | 22.5            |   |   |   | 113.4 |   |   |   | — |   |
| Total CRE                                   |   | $                           | 241.3   |   |                        | $      | 339.3   |             |   | $      | 65.1            |   |   | $ | 372.4 |   |   | $ | 1.5 |   |
|                                        |   |                        |    |   |                        |   |    |             |   |   |            |   |   |   |   |   |   |   |   |   |
| Automobile loans and leases                 |   | $                           | 29.7    |   |                        | $      | 29.7    |             |   | $      | 1.5             |   |   | $ | 26.3 |   |   | $ | 2.3 |   |
| Home equity loans and lines-of-credit:      |   |                        |    |   |                        |   |    |             |   |   |            |   |   |   |   |   |   |   |   |   |
| Secured by first-lien                       |   |                        | 20.5    |   |                        |   | 20.6    |             |   |   | 0.5             |   |   |   | 16.7 |   |   |   | 0.7 |   |
| Secured by second-lien                      |   |                        | 16.7    |   |                        |   | 17.1    |             |   |   | 1.0             |   |   |   | 17.1 |   |   |   | 0.6 |   |
| Residential mortgage                        |   |                        | 334.2   |   |                        |   | 347.6   |             |   |   | 11.8            |   |   |   | 293.3 |   |   |   | 12.2 |   |
| Other consumer loans                        |   |                        | 9.7     |   |                        |   | 9.7     |             |   |   | 0.7             |   |   |   | 9.2 |   |   |   | 0.8 |   |

----

|                                         |   |     |       |   | Retail & |   |    |       |   |   | Auto Finance     |   |   |   |    |   |      |   |    |         |   |
|----------------------------------------------|--------|----------|------------|--------|-------------------|--------|---------|------------|--------|--------|-----------------------|--------|--------|--------|---------|--------|-----------|--------|---------|--------------|--------|
|                                         |   | Regional |       |   | Business          |   |    | Commercial |   |   | & Commercial |   |   |   |    |   | Treasury/ |   |    | Huntington   |   |
| (dollar amounts in thousands) |   | Banking  |       |   | Banking           |   |    | Banking    |   |   | Real Estate      |   |   | WGH    |    |   | Other     |   |    | Consolidated |   |
| Balance, January 1, 2009                     |   | $        | 2,888,344  |   |              | $      | — |       |   | $      | —               |   |   | $      | — |   |      | $      | 153,178 |         |   | $ | 13,463 |   |   | $ | 3,054,985 |   |
| Impairment, March 31, 2009                   |   |     | (2,573,818 | )      |              |   | — |       |   |   | —               |   |   |   | — |   |      |   | (28,895 | )            |   |   | — |   |   |   | (2,602,713 | ) |
| Reallocation of goodwill                     |   |     | (314,526   | )      |              |   | 309,518 |       |   |   | 5,008                 |   |   |   | — |   |      |   | — |         |   |   | — |   |   |   | — |   |
| Balance, April 1, 2009                       |   |     | —    |   |              |   | 309,518 |       |   |   | 5,008                 |   |   |   | — |   |      |   | 124,283 |         |   |   | 13,463 |   |   |   | 452,272 |   |
| Goodwill acquired                            |   |     |       |   |              |   |    |       |   |   |                  |   |   |   |    |   |      |   |    |         |   |   |   |   |   |   |   |   |
| during the period                            |   |     | —    |   |              |   | 620     |       |   |   | —               |   |   |   | — |   |      |   | — |         |   |   | — |   |   |   | 620 |   |
| Impairment                                   |   |     | —    |   |              |   | — |       |   |   | —               |   |   |   | — |   |      |   | — |         |   |   | (4,231 | ) |   |   | (4,231 | ) |
| Other adjustments                            |   |     | —    |   |              |   | — |       |   |   | —               |   |   |   | — |   |      |   | — |         |   |   | (4,393 | ) |   |   | (4,393 | ) |
| Balance, December 31, 2009                   |   | $        | —    |   |              | $      | 310,138 |       |   | $      | 5,008                 |   |   | $      | — |   |      | $      | 124,283 |         |   | $ | 4,839 |   |   | $ | 444,268 |   |
| Reallocation of goodwill                     |   |     |       |   |              |   | (23,314 | )          |   |   | 11,161                |   |   |   | — |   |      |   | (25,332 | )            |   |   | 37,485 |   |   |   | — |   |
| Balance, December 31, 2010                   |   | $        | —    |   |              | $      | 286,824 |       |   | $      | 16,169                |   |   | $      | — |   |      | $      | 98,951  |         |   | $ | 42,324 |   |   | $ | 444,268 |   |

----

|                                         |   | Gross    |    |   |         |   |     | Net      |   |
|----------------------------------------------|--------|----------|---------|--------|--------------|--------|----------|----------|--------|
|                                         |   | Carrying |    |   | Accumulated  |   |     | Carrying |   |
| (dollar amounts in thousands) |   | Amount   |    |   | Amortization |   |     | Value    |   |
|                                         |   |     |    |   |         |   |     |     |   |
| December 31, 2010                            |   |     |    |   |         |   |     |     |   |
| Core deposit intangible                      |   | $        | 376,846 |   |         | $      | (219,311 | )        |   | $ | 157,535 |   |
| Customer relationship                        |   |     | 104,574 |   |         |   | (34,751  | )        |   |   | 69,823 |   |
| Other                                        |   |     | 25,164  |   |         |   | (23,902  | )        |   |   | 1,262 |   |
| Total other intangible assets                |   | $        | 506,584 |   |         | $      | (277,964 | )        |   | $ | 228,620 |   |
|                                         |   |     |    |   |         |   |     |     |   |   |   |   |
| December 31, 2009                            |   |     |    |   |         |   |     |     |   |   |   |   |
| Core deposit intangible                      |   | $        | 376,846 |   |         | $      | (168,651 | )        |   | $ | 208,195 |   |
| Customer relationship                        |   |     | 104,574 |   |         |   | (26,000  | )        |   |   | 78,574 |   |
| Other                                        |   |     | 26,465  |   |         |   | (24,136  | )        |   |   | 2,329 |   |
| Total other intangible assets                |   | $        | 507,885 |   |         | $      | (218,787 | )        |   | $ | 289,098 |   |

|                                         |   | Amortization |   |
|----------------------------------------------|--------|--------------|--------|
| (dollar amounts in thousands) |   | Expense      |   |
|                                         |   |         |   |
| 2011                                         |   | $            | 53,325 |   |
| 2012                                         |   |         | 46,075 |   |
| 2013                                         |   |         | 40,511 |   |
| 2014                                         |   |         | 35,858 |   |
| 2015                                         |   |         | 19,756 |   |

|                                           |   | At December 31, |      |
|------------------------------------------------|--------|---------------------------|-----------|
| (dollar amounts in thousands)   |   | 2010                      |      |   | 2009 |   |
| Land and land improvements                     |   | $                         | 120,069   |   |   | $ | 118,875 |   |
| Buildings                                      |   |                      | 367,003   |   |   |   | 355,352 |   |
| Leasehold improvements                         |   |                      | 204,830   |   |   |   | 194,405 |   |
| Equipment                                      |   |                      | 613,301   |   |   |   | 571,307 |   |
| Total premises and equipment                   |   |                      | 1,305,203 |   |   |   | 1,239,939 |   |
| Less accumulated depreciation and amortization |   |                      | (813,601  | ) |   |   | (743,918 | ) |
| Net premises and equipment                     |   | $                         | 491,602   |   |   | $ | 496,021 |   |

| (in thousands)                                           |   | 2010   |   |   | 2009   |   |   | 2008   |   |
|---------------------------------------------------------------|--------|--------|--------|--------|--------|--------|--------|--------|--------|
|                                                          |   |   |   |   |   |   |   |   |   |
| Total depreciation and amortization of premises and equipment |   | $      | 64,934 |   |   | $      | 66,089 |   |   | $ | 77,956 |   |
| Rental income credited to occupancy expense                   |   |   | 10,108 |   |   |   | 11,755 |   |   |   | 12,917 |   |

|                                                                       |   | At December 31, |      |
|----------------------------------------------------------------------------|--------|---------------------------|-----------|
| (dollar amounts in thousands)                               |   | 2010                      |      |   | 2009 |   |
| Federal funds purchased and securities sold under agreements to repurchase |   | $                         | 1,965,677 |   |   | $ | 851,285 |   |
| Commercial paper                                                           |   |                      | 100       |   |   |   | 700 |   |
| Other borrowings                                                           |   |                      | 74,955    |   |   |   | 24,256 |   |
| Total short-term borrowings                                                |   | $                         | 2,040,732 |   |   | $ | 876,241 |   |

----

|                                                                      |   | At December 31, |      |
|---------------------------------------------------------------------------|--------|---------------------------|-----------|
| ( dollar amounts in thousands)                        |   | 2010                      |      |   | 2009 |   |
| 1.05% The Huntington National Bank medium-term notes due through 2018 (1) |   | $                         | 638,950   |   |   | $ | 788,397 |   |
| 0.93% Securitization trust notes payable due through 2013 (2)             |   |                      | 877,270   |   |   |   | 1,059,249 |   |
| 4.52% Securitization trust note payable due 2014  (3)           |   |                      | 356,089   |   |   |   | — |   |
| 5.10% Securitization trust note payable due 2018(4)                       |   |                      | 151,937   |   |   |   | 391,954 |   |
| 2.61% Class B preferred securities of subsidiary, no maturity (5)         |   |                      | 65,000    |   |   |   | — |   |
| 7.88% Class C preferred securities of subsidiary, no maturity             |   |                      | 50,000    |   |   |   | 50,000 |   |
| Franklin 2009 Trust liability (6)                                         |   |                      | 4,846     |   |   |   | 79,891 |   |
| Total other long-term debt                                                |   | $                         | 2,144,092 |   |   | $ | 2,369,491 |   |

----

| (dollar amounts in |   |   | Other long-term |      |
|------------------------------|--------|--------|----------------------|-----------|
| thousands)                   |   |   | debt maturities |      |
| 2011                         |   |   | $                    | 4,846     |   |
| 2012                         |   |   |                 | 661,847   |   |
| 2013                         |   |   |                 | 328,048   |   |
| 2014                         |   |   |                 | 108,377   |   |
| 2015                         |   |   |                 | —   |   |
| and thereafter               |   |   |                 | 1,027,270 |   |

|                                          |   | At December 31, |      |
|----------------------------------------------------|--------|---------------------------|-----------|
| (dollar amounts in thousands)  |   | 2010                      |      |   | 2009 |   |
|                                               |   |                      |      |   |   |   |
| Parent company:                                    |   |                      |      |   |   |   |
| 6.21% subordinated notes due 2013                  |   | $                         | 49,095    |   |   | $ | 48,732 |   |
| 7.00% subordinated notes due 2020                  |   |                      | 308,289   |   |   |   | — |   |
| 0.99% junior subordinated debentures due 2027 (1)  |   |                      | 138,816   |   |   |   | 138,816 |   |
| 0.93% junior subordinated debentures due 2028 (2)  |   |                      | 60,093    |   |   |   | 60,093 |   |
| 8.54% junior subordinated debentures due 2029      |   |                      | 23,248    |   |   |   | 23,299 |   |
| 8.52% junior subordinated debentures due 2030      |   |                      | 64,474    |   |   |   | 64,971 |   |
| 3.52% junior subordinated debentures due 2033 (3)  |   |                      | 30,929    |   |   |   | 30,929 |   |
| 3.54% junior subordinated debentures due 2033 (4)  |   |                      | 6,186     |   |   |   | 6,186 |   |
| 1.28% junior subordinated debentures due 2036 (5)  |   |                      | 77,481    |   |   |   | 77,809 |   |
| 1.27% junior subordinated debentures due 2036 (5)  |   |                      | 77,482    |   |   |   | 77,810 |   |
| 6.69% junior subordinated debentures due 2067 (6)  |   |                      | 114,072   |   |   |   | 114,045 |   |
| The Huntington National Bank:                      |   |                      |      |   |   |   |   |   |
| 8.18% subordinated notes due 2010                  |   |                      | —   |   |   |   | 84,144 |   |
| 6.21% subordinated notes due 2012                  |   |                      | 64,909    |   |   |   | 64,861 |   |
| 5.00% subordinated notes due 2014                  |   |                      | 136,639   |   |   |   | 133,930 |   |
| 5.59% subordinated notes due 2016                  |   |                      | 112,420   |   |   |   | 112,385 |   |
| 6.67% subordinated notes due 2018                  |   |                      | 147,071   |   |   |   | 144,202 |   |
| 5.45% subordinated notes due 2019                  |   |                      | 86,012    |   |   |   | 81,990 |   |
| Total subordinated notes                           |   | $                         | 1,497,216 |   |   | $ | 1,264,202 |   |

----

|                                                                                                         |   | 2010   |    |
|--------------------------------------------------------------------------------------------------------------|--------|--------|---------|
|                                                                                                         |   |   |    |   | Tax (expense) |   |   |   |   |
| (dollar amounts in thousands)                                                                 |   | Pretax |    |   | Benefit |   |   | After-tax |   |
|                                                                                                         |   |   |    |   |   |   |   |   |   |   |   |   |
| Cumulative effect of change in accounting principle for consolidation of variable interest entities          |   | $      | (6,365  | ) |   | $ | 2,116 |   |   | $ | (4,249 | ) |
|                                                                                                         |   |   |    |   |   |   |   |   |   |   |   |   |
| Non credit related impairment recoveries (losses) on debt securities not expected to be sold                 |   |   | 23,569  |   |   |   | (8,249 | ) |   |   | 15,320 |   |
| Unrealized holding gains (losses) on available-for-sale debt securities arising during the period            |   |   | (14,498 | ) |   |   | 5,019 |   |   |   | (9,479 | ) |
| Less: Reclassification adjustment for net losses (gains) included in net income                              |   |   | 274     |   |   |   | (96 | ) |   |   | 178 |   |
| Net change in unrealized holding gains (losses) on available-for-sale debt securities                        |   |   | 9,345   |   |   |   | (3,326 | ) |   |   | 6,019 |   |
|                                                                                                         |   |   |    |   |   |   |   |   |   |   |   |   |
| Net change in unrealized holding gains (losses) on available-for-sale equity securities                      |   |   | (162    | ) |   |   | 57 |   |   |   | (105 | ) |
|                                                                                                         |   |   |    |   |   |   |   |   |   |   |   |   |
| Unrealized gains and losses on derivatives used in cash flow hedging relationships arising during the period |   |   | (35,623 | ) |   |   | 12,468 |   |   |   | (23,155 | ) |
|                                                                                                         |   |   |    |   |   |   |   |   |   |   |   |   |
| Change in pension and post-retirement benefit plan assets and liabilities                                    |   |   | (29,263 | ) |   |   | 10,242 |   |   |   | (19,021 | ) |
|                                                                                                         |   |   |    |   |   |   |   |   |   |   |   |   |
| Total other comprehensive (loss) income                                                                      |   | $      | (62,068 | ) |   | $ | 21,557 |   |   | $ | (40,511 | ) |

|                                                                                                         |   | 2009   |     |
|--------------------------------------------------------------------------------------------------------------|--------|--------|----------|
|                                                                                                         |   |   |     |   | Tax (expense) |   |   |   |   |
| (dollar amounts in thousands)                                                                 |   | Pretax |     |   | Benefit |   |   | After-tax |   |
| Cumulative effect of change in accounting principle for OTTI debt securities                                 |   | $      | (5,448   | ) |   | $ | 1,907 |   |   | $ | (3,541 | ) |
|                                                                                                         |   |   |     |   |   |   |   |   |   |   |   |   |
| Non credit related impairment (losses) recoveries on debt securities not expected to be sold                 |   |   | (124,408 | ) |   |   | 43,543 |   |   |   | (80,865 | ) |
| Unrealized holding gains (losses) on available-for-sale debt securities arising during the period            |   |   | 280,789  |   |   |   | (98,678 | ) |   |   | 182,111 |   |
| Less: Reclassification adjustment for net losses (gains) included in net income                              |   |   | 10,249   |   |   |   | (3,587 | ) |   |   | 6,662 |   |
| Net change in unrealized holding gains (losses) on available-for-sale debt securities                        |   |   | 166,630  |   |   |   | (58,722 | ) |   |   | 107,908 |   |
|                                                                                                         |   |   |     |   |   |   |   |   |   |   |   |   |
| Net change in unrealized holding gains (losses) on available-for-sale equity securities                      |   |   | 10       |   |   |   | (3 | ) |   |   | 7 |   |
|                                                                                                         |   |   |     |   |   |   |   |   |   |   |   |   |
| Unrealized gains and losses on derivatives used in cash flow hedging relationships arising during the period |   |   | 21,888   |   |   |   | (7,661 | ) |   |   | 14,227 |   |
|                                                                                                         |   |   |     |   |   |   |   |   |   |   |   |   |
| Change in pension and post-retirement benefit plan assets and liabilities                                    |   |   | 78,626   |   |   |   | (27,519 | ) |   |   | 51,107 |   |
|                                                                                                         |   |   |     |   |   |   |   |   |   |   |   |   |
| Total other comprehensive income (loss)                                                                      |   | $      | 261,706  |   |   | $ | (91,998 | ) |   | $ | 169,708 |   |

|                                                                                                             |   | 2008   |     |
|------------------------------------------------------------------------------------------------------------------|--------|--------|----------|
|                                                                                                             |   |   |     |   | Tax (expense) |   |   |   |   |
| (dollar amounts in thousands)                                                                     |   | Pretax |     |   | Benefit |   |   | After-tax |   |
| Unrealized holding (losses) gains on available-for-sale debt securities arising during the period                |   | $      | (502,756 | ) |   | $ | 177,040 |   |   | $ | (325,716 | ) |
| Less: Reclassification adjustment for net losses (gains) included in net income                                  |   |   | 197,370  |   |   |   | (69,080 | ) |   |   | 128,290 |   |
| Net change in unrealized holding (losses) gains on available-for-sale debt securities                            |   |   | (305,386 | ) |   |   | 107,960 |   |   |   | (197,426 | ) |
|                                                                                                             |   |   |     |   |   |   |   |   |   |   |   |   |
| Net change in unrealized holding (losses) gains on available-for-sale equity securities                          |   |   | (490     | ) |   |   | 171 |   |   |   | (319 | ) |
|                                                                                                             |   |   |     |   |   |   |   |   |   |   |   |   |
| Unrealized gains and losses on derivatives used in cash flow hedging relationships arising during the period     |   |   | 61,669   |   |   |   | (21,584 | ) |   |   | 40,085 |   |
|                                                                                                             |   |   |     |   |   |   |   |   |   |   |   |   |
| Cumulative effect of changing measurement date provisions for pension and post-retirement assets and obligations |   |   | (5,898   | ) |   |   | 2,064 |   |   |   | (3,834 | ) |
|                                                                                                             |   |   |     |   |   |   |   |   |   |   |   |   |
| Change in pension and post-retirement benefit plan assets and liabilities                                        |   |   | (177,828 | ) |   |   | 62,240 |   |   |   | (115,588 | ) |
|                                                                                                             |   |   |     |   |   |   |   |   |   |   |   |   |
| Total other comprehensive (loss) income                                                                          |   | $      | (427,933 | ) |   | $ | 150,851 |   |   | $ | (277,082 | ) |

----

| (dollar amounts in thousands)                                                                                  |   | Unrealizedgains and(losses) ondebtsecurities |     |   | Unrealizedgains and(losses) onequitysecurities |   |    | Unrealizedgains and(losses) oncash flowhedgingderivatives |   |   | Unrealizedgains (losses)for pensionand otherpost-retirementobligations |   |   | Total  |     |
|-------------------------------------------------------------------------------------------------------------------------------|--------|--------------------------------------------------------|----------|--------|----------------------------------------------------------|--------|---------|--------------------------------------------------------------------------|--------|--------|---------------------------------------------------------------------------------------|--------|--------|--------|----------|
| Balance, January 1, 2008                                                                                                      |   | $                                                      | (10,001  | )      |                                                     | $      | (10     | )                                                                        |   | $      | 4,553                                                                                 |   |   | $      | (44,153  | ) |   | $ | (49,611 | ) |
|                                                                                                                          |   |                                                   |     |   |                                                     |   |    |                                                                     |   |   |                                                                                  |   |   |   |     |   |   |   |   |   |
| Cumulative effect of change in measurement date provisions for pension and post-retirement assets and obligations, net of tax |   |                                                   | —  |   |                                                     |   | — |                                                                     |   |   | —                                                                               |   |   |   | (3,834   | ) |   |   | (3,834 | ) |
| Period change                                                                                                                 |   |                                                   | (197,426 | )      |                                                     |   | (319    | )                                                                        |   |   | 40,085                                                                                |   |   |   | (115,588 | ) |   |   | (273,248 | ) |
|                                                                                                                          |   |                                                   |     |   |                                                     |   |    |                                                                     |   |   |                                                                                  |   |   |   |     |   |   |   |   |   |
| Balance, December 31, 2008                                                                                                    |   |                                                   | (207,427 | )      |                                                     |   | (329    | )                                                                        |   |   | 44,638                                                                                |   |   |   | (163,575 | ) |   |   | (326,693 | ) |
|                                                                                                                          |   |                                                   |     |   |                                                     |   |    |                                                                     |   |   |                                                                                  |   |   |   |     |   |   |   |   |   |
| Cumulative effect of change in accounting  principle for OTTI debt securities, net of tax                           |   |                                                   | (3,541   | )      |                                                     |   | — |                                                                     |   |   | —                                                                               |   |   |   | —  |   |   |   | (3,541 | ) |
| Period change                                                                                                                 |   |                                                   | 107,908  |   |                                                     |   | 7       |                                                                     |   |   | 14,227                                                                                |   |   |   | 51,107   |   |   |   | 173,249 |   |
|                                                                                                                          |   |                                                   |     |   |                                                     |   |    |                                                                     |   |   |                                                                                  |   |   |   |     |   |   |   |   |   |
| Balance, December 31, 2009                                                                                                    |   |                                                   | (103,060 | )      |                                                     |   | (322    | )                                                                        |   |   | 58,865                                                                                |   |   |   | (112,468 | ) |   |   | (156,985 | ) |
|                                                                                                                          |   |                                                   |     |   |                                                     |   |    |                                                                     |   |   |                                                                                  |   |   |   |     |   |   |   |   |   |
| Cumulative effect of change in accounting  principle for consolidation of variable interest entities, net of tax    |   |                                                   | (4,249   | )      |                                                     |   | — |                                                                     |   |   | —                                                                               |   |   |   | —  |   |   |   | (4,249 | ) |
| Period change                                                                                                                 |   |                                                   | 6,019    |   |                                                     |   | (105    | )                                                                        |   |   | (23,155                                                                               | )      |   |   | (19,021  | ) |   |   | (36,262 | ) |
|                                                                                                                          |   |                                                   |     |   |                                                     |   |    |                                                                     |   |   |                                                                                  |   |   |   |     |   |   |   |   |   |
| Balance, December 31, 2010                                                                                                    |   | $                                                      | (101,290 | )      |                                                     | $      | (427    | )                                                                        |   | $      | 35,710                                                                                |   |   | $      | (131,489 | ) |   | $ | (197,496 | ) |

----

----

|                                                                                       |   | Year ended December 31, |     |
|--------------------------------------------------------------------------------------------|--------|----------------------------------------|----------|
| (dollar amounts in thousands, except per share amounts) |   | 2010                                   |     |   | 2009 |   |   | 2008 |   |
|                                                                                       |   |                                   |     |   |   |   |   |   |   |
| Basic earnings (loss) per common share:                                                    |   |                                   |     |   |   |   |   |   |   |
| Net income (loss)                                                                          |   | $                                      | 312,347  |   |   | $ | (3,094,179 | ) |   | $ | (113,806 | ) |
| Preferred stock dividends, deemed dividends and accretion of discount                      |   |                                   | (172,032 | ) |   |   | (174,756 | ) |   |   | (46,400 | ) |
| Net income (loss) available to common shareholders                                         |   | $                                      | 140,315  |   |   | $ | (3,268,935 | ) |   | $ | (160,206 | ) |
| Average common shares issued and outstanding                                               |   |                                   | 726,934  |   |   |   | 532,802 |   |   |   | 366,155 |   |
| Basic earnings (loss) per common share                                                     |   | $                                      | 0.19     |   |   | $ | (6.14 | ) |   | $ | (0.44 | ) |
|                                                                                       |   |                                   |     |   |   |   |   |   |   |   |   |   |
| Diluted earnings (loss) per common share                                                   |   |                                   |     |   |   |   |   |   |   |   |   |   |
| Net income (loss) available to common shareholders                                         |   | $                                      | 140,315  |   |   | $ | (3,268,935 | ) |   | $ | (160,206 | ) |
| Effect of assumed preferred stock conversion                                               |   |                                   | —  |   |   |   | — |   |   |   | — |   |
| Net income (loss) applicable to diluted earnings per share                                 |   | $                                      | 140,315  |   |   | $ | (3,268,935 | ) |   | $ | (160,206 | ) |
| Average common shares issued and outstanding                                               |   |                                   | 726,934  |   |   |   | 532,802 |   |   |   | 366,155 |   |
| Dilutive potential common shares:                                                          |   |                                   |     |   |   |   |   |   |   |   |   |   |
| Stock options and restricted stock units and awards                                        |   |                                   | 1,722    |   |   |   | — |   |   |   | — |   |
| Shares held in deferred compensation plans                                                 |   |                                   | 876      |   |   |   | — |   |   |   | — |   |
| Conversion of preferred stock                                                              |   |                                   | —  |   |   |   | — |   |   |   | — |   |
| Dilutive potential common shares:                                                          |   |                                   | 2,598    |   |   |   | — |   |   |   | — |   |
| Total diluted average common shares issued and outstanding                                 |   |                                   | 729,532  |   |   |   | 532,802 |   |   |   | 366,155 |   |
| Diluted earnings (loss) per common share                                                   |   | $                                      | 0.19     |   |   | $ | (6.14 | ) |   | $ | (0.44 | ) |

----

|                                             |   | 2010   |   |    | 2009   |   |   | 2008    |   |
|--------------------------------------------------|--------|--------|--------|---------|--------|--------|--------|---------|--------|
| Assumptions                                      |   |   |   |    |   |   |   |    |   |
| Risk-free interest rate                          |   |   | 2.30   | %  |   |   | 2.70   | %  |   |   | 3.41 | %  |
| Expected dividend yield                          |   |   | 0.68   |    |   |   | 0.96   |    |   |   | 5.28 |   |
| Expected volatility of Huntington's common stock |   |   | 38.5   |    |   |   | 51.8   |    |   |   | 34.8 |   |
| Expected option term (years)                     |   |   | 6.0    |    |   |   | 6.0    |    |   |   | 6.0 |   |
|                                             |   |   |   |    |   |   |   |    |   |   |   |   |
| Weighted-average grant date fair value per share |   | $      | 2.20   |    |   | $      | 1.95   |    |   | $ | 1.54 |   |

| (dollar amounts in thousands) |   | 2010   |   |   | 2009   |   |   | 2008   |   |
|----------------------------------------------|--------|--------|--------|--------|--------|--------|--------|--------|--------|
| Share-based compensation expense             |   | $      | 15,453 |   |   | $      | 8,492  |   |   | $ | 14,142 |   |
| Tax benefit                                  |   |   | 5,408  |   |   |   | 2,972  |   |   |   | 4,950 |   |

|                                                                                               |   |    |   |   |      |   |   | Weighted-         |   |   |      |   |
|----------------------------------------------------------------------------------------------------|--------|---------|--------|--------|-----------|--------|--------|-------------------|--------|--------|-----------|--------|
|                                                                                               |   |    |   |   | Weighted- |   |   | Average           |   |   |      |   |
|                                                                                               |   |    |   |   | Average   |   |   | Remaining         |   |   | Aggregate |   |
|                                                                                               |   |    |   |   | Exercise  |   |   | Contractual       |   |   | Intrinsic |   |
| (amounts in thousands, except years and per share amounts) |   | Options |   |   | Price     |   |   | Life (Years) |   |   | Value     |   |
| Outstanding at January 1, 2010                                                                     |   |    | 23,722 |   |      | $      | 17.21  |              |   |   |      |   |   |   |
| Granted                                                                                            |   |    | 2,694  |   |      |   | 6.00   |              |   |   |      |   |   |   |
| Exercised                                                                                          |   |    | (61    | )      |      |   | 3.85   |              |   |   |      |   |   |   |
| Forfeited/expired                                                                                  |   |    | (4,493 | )      |      |   | 16.74  |              |   |   |      |   |   |   |
| Outstanding at December 31, 2010                                                                   |   |    | 21,862 |   |      | $      | 15.96  |              |   |   | 3.0       |   |   | $ | 9,533 |   |
| Vested and expected to vest at December 31, 2010 (1)                                               |   |    | 20,367 |   |      | $      | 16.73  |              |   |   | 2.8       |   |   | $ | 7,392 |   |
| Exercisable at December 31, 2010                                                                   |   |    | 16,829 |   |      | $      | 19.11  |              |   |   | 2.1       |   |   | $ | 2,110 |   |

----

|                                                                           |   |       |   |   | Weighted-       |   |   |            |   |   | Weighted-       |   |
|--------------------------------------------------------------------------------|--------|------------|--------|--------|-----------------|--------|--------|-----------------|--------|--------|-----------------|--------|
|                                                                           |   |       |   |   | Average         |   |   |            |   |   | Average         |   |
|                                                                           |   | Restricted |   |   | Grant Date |   |   | Restricted      |   |   | Grant Date |   |
|                                                                           |   | Stock      |   |   | Fair Value |   |   | Stock           |   |   | Fair Value |   |
| (amounts in thousands, except per share amounts) |   | Units      |   |   | Per Share  |   |   | Awards (1) |   |   | Per Share  |   |
| Nonvested at January 1, 2010                                                   |   |       | 2,717  |   |            | $      | 7.50   |            |   |   | 175             |   |   | $ | 3.45 |   |
| Granted                                                                        |   |       | 3,420  |   |            |   | 6.19   |            |   |   | 368             |   |   |   | 5.77 |   |
| Vested                                                                         |   |       | (448   | )      |            |   | 18.90  |            |   |   | (77             | )      |   |   | 3.71 |   |
| Forfeited                                                                      |   |       | (178   | )      |            |   | 7.02   |            |   |   | —         |   |   |   | — |   |
| Nonvested at December 31, 2010                                                 |   |       | 5,511  |   |            | $      | 5.78   |            |   |   | 466             |   |   | $ | 5.24 |   |

| (amounts in thousands, except years and per shareamounts) |   | Options Outstanding |   |   | Exercisable Options |   |
|----------------------------------------------------------------------------------------------|--------|--------------------------|--------|--------|--------------------------|--------|
|                                                                                         |   |                     |   |   | Weighted-                |   |   |   |   |   |   |   |   |   |   |
|                                                                                         |   |                     |   |   | Average                  |   |   | Weighted- |   |   |   |   |   | Weighted- |   |
|                                                                                         |   |                     |   |   | Remaining                |   |   | Average |   |   |   |   |   | Average |   |
| Range of                                                                                |   |                     |   |   | Contractual              |   |   | Exercise |   |   |   |   |   | Exercise |   |
| Exercise Prices                                                                         |   | Shares                   |   |   | Life (Years)        |   |   | Price |   |   | Shares |   |   | Price |   |
| $  1.28 to $  6.31                                                       |   |                     | 5,344  |   |                     |   | 5.9 |   |   | $ | 5.09 |   |   |   | 783 |   |   | $ | 4.18 |   |
| $  6.32 to $18.15                                                                  |   |                     | 5,133  |   |                     |   | 2.0 |   |   |   | 14.27 |   |   |   | 4,662 |   |   |   | 15.00 |   |
| $18.16 to $20.41                                                                             |   |                     | 4,897  |   |                     |   | 2.3 |   |   |   | 19.99 |   |   |   | 4,898 |   |   |   | 19.99 |   |
| $20.42 to $25.01                                                                             |   |                     | 6,488  |   |                     |   | 1.8 |   |   |   | 23.20 |   |   |   | 6,486 |   |   |   | 23.20 |   |
| Total                                                                                        |   |                     | 21,862 |   |                     |   | 3.0 |   |   | $ | 15.96 |   |   |   | 16,829 |   |   | $ | 19.11 |   |

----

| (dollar amounts in thousands)                                    |   | 2010   |   |   | 2009   |   |
|------------------------------------------------------------------|--------|--------|--------|--------|--------|--------|
|                                                             |   |   |   |   |   |   |
| Unrecognized tax benefits at beginning of year                   |   | $      | 17,214 |   |   | $      | - |   |
| Gross increases for tax positions taken during prior years       |   |   | 32,292 |   |   |   | 10,750 |   |
| Gross increases for tax positions taken during the current years |   |   | -      |   |   |   | 6,464 |   |
| Unrecognized tax benefits at end of year                         |   | $      | 49,506 |   |   | $      | 17,214 |   |

|                                         |   | Year Ended December 31, |    |
|----------------------------------------------|--------|----------------------------------------|---------|
| (dollar amounts in thousands) |   | 2010                                   |    |   | 2009 |   |   | 2008 |   |
| Current tax provision (benefit)              |   |                                   |    |   |   |   |   |   |   |
| Federal                                      |   | $                                      | 40,675  |   |   | $ | (326,659 | ) |   | $ | (30,164 | ) |
| State                                        |   |                                   | 29,539  |   |   |   | 9,860 |   |   |   | (102 | ) |
| Total current tax provision (benefit)        |   |                                   | 70,214  |   |   |   | (316,799 | ) |   |   | (30,266 | ) |
| Deferred tax provision (benefit)             |   |                                   |    |   |   |   |   |   |   |   |   |   |
| Federal                                      |   |                                   | (30,243 | ) |   |   | (267,872 | ) |   |   | (152,306 | ) |
| State                                        |   |                                   | (7      | ) |   |   | 667 |   |   |   | 370 |   |
| Total deferred tax provision (benefit)       |   |                                   | (30,250 | ) |   |   | (267,205 | ) |   |   | (151,936 | ) |
| Provision (benefit) for income taxes         |   | $                                      | 39,964  |   |   | $ | (584,004 | ) |   | $ | (182,202 | ) |

----

|                                                                |   | Year Ended December 31, |    |
|---------------------------------------------------------------------|--------|----------------------------------------|---------|
| (dollar amounts in thousands)                        |   | 2010                                   |    |   | 2009 |   |   | 2008 |   |
| Provision (benefit) for income taxes computed at the statutory rate |   | $                                      | 123,310 |   |   | $ | (1,287,364 | ) |   | $ | (103,603 | ) |
| Increases (decreases):                                              |   |                                   |    |   |   |   |   |   |   |   |   |   |
| Tax-exempt interest income                                          |   |                                   | (6,680  | ) |   |   | (5,561 | ) |   |   | (12,484 | ) |
| Tax-exempt bank owned life insurance income                         |   |                                   | (20,595 | ) |   |   | (19,205 | ) |   |   | (19,172 | ) |
| Asset securitization activities                                     |   |                                   | 46,160  |   |   |   | (3,179 | ) |   |   | (14,198 | ) |
| Federal tax loss carryforward /carryback                            |   |                                   | — |   |   |   | (12,847 | ) |   |   | (12,465 | ) |
| General business credits                                            |   |                                   | (23,360 | ) |   |   | (17,602 | ) |   |   | (10,481 | ) |
| Reversals of valuation allowance                                    |   |                                   | (899    | ) |   |   | — |   |   |   | (7,101 | ) |
| Capital loss                                                        |   |                                   | (62,681 | ) |   |   | — |   |   |   | — |   |
| Loan acquisitions                                                   |   |                                   | (43,650 | ) |   |   | (159,895 | ) |   |   | — |   |
| Goodwill impairment                                                 |   |                                   | — |   |   |   | 908,263 |   |   |   | — |   |
| State income taxes, net                                             |   |                                   | 19,196  |   |   |   | 6,842 |   |   |   | 289 |   |
| Other, net                                                          |   |                                   | 9,163   |   |   |   | 6,544 |   |   |   | (2,987 | ) |
|                                                                |   |                                   |    |   |   |   |   |   |   |   |   |   |
| Provision (benefit) for income taxes                                |   | $                                      | 39,964  |   |   | $ | (584,004 | ) |   | $ | (182,202 | ) |

|                                              |   | At December 31, |    |
|---------------------------------------------------|--------|---------------------------|---------|
| (dollar amounts in thousands)      |   | 2010                      |    |   | 2009 |   |
| Deferred tax assets:                              |   |                      |    |   |   |   |
| Allowances for credit losses                      |   | $                         | 457,692 |   |   | $ | 555,276 |   |
| Loss and other carryforwards                      |   |                      | 262,504 |   |   |   | 19,211 |   |
| Fair value adjustments                            |   |                      | 106,855 |   |   |   | 123,860 |   |
| Accrued expense/prepaid                           |   |                      | 39,685  |   |   |   | 42,478 |   |
| Purchase accounting adjustments                   |   |                      | 11,773  |   |   |   | — |   |
| Pension and other employee benefits               |   |                      | 5,671   |   |   |   | 1,009 |   |
| Loan acquisitions                                 |   |                      | 605     |   |   |   | 159,895 |   |
| Other                                             |   |                      | 19,704  |   |   |   | 4,738 |   |
| Total deferred tax assets                         |   |                      | 904,489 |   |   |   | 906,467 |   |
|                                              |   |                      |    |   |   |   |   |   |
| Deferred tax liabilities:                         |   |                      |    |   |   |   |   |   |
| Lease financing                                   |   |                      | 87,735  |   |   |   | 154,088 |   |
| Securities adjustments                            |   |                      | 66,090  |   |   |   | 57,700 |   |
| Purchase accounting adjustments                   |   |                      | 65,787  |   |   |   | 70,820 |   |
| Mortgage servicing rights                         |   |                      | 43,541  |   |   |   | 62,867 |   |
| Loan origination costs                            |   |                      | 43,182  |   |   |   | 39,004 |   |
| Operating assets                                  |   |                      | 15,161  |   |   |   | 15,163 |   |
| Partnership investments                           |   |                      | 8,429   |   |   |   | 13,563 |   |
| Other                                             |   |                      | 4,441   |   |   |   | 11,832 |   |
| Total deferred tax liabilities                    |   |                      | 334,366 |   |   |   | 425,037 |   |
| Net deferred tax asset before valuation allowance |   |                      | 570,123 |   |   |   | 481,430 |   |
| Valuation allowance                               |   |                      | (31,817 | ) |   |   | (899 | ) |
|                                              |   |                      |    |   |   |   |   |   |
| Net deferred tax asset                            |   | $                         | 538,306 |   |   | $ | 480,531 |   |

----

|                                                                     |   | Pension  |   |   | Post-Retirement |   |
|--------------------------------------------------------------------------|--------|----------|--------|--------|-----------------|--------|
|                                                                     |   | Benefits |   |   | Benefits        |   |
|                                                                     |   | 2010     |   |   | 2009            |   |   | 2010 |   |   | 2009 |   |
| Weighted-average assumptions used to determine benefit obligations       |   |     |   |   |            |   |   |   |   |   |   |   |
| Discount rate                                                            |   |     | 5.35   | %      |            |   | 5.88 | % |   |   | 5.00 | % |   |   | 5.54 | % |
| Rate of compensation increase                                            |   |     | 4.50   |   |            |   | 4.50 |   |   |   | N/A |   |   |   | N/A |   |
| Weighted-average assumptions used to determine net periodic benefit cost |   |     |   |   |            |   |   |   |   |   |   |   |   |   |   |   |
| Discount rate:                                                           |   |     |   |   |            |   |   |   |   |   |   |   |   |   |   |   |
| 2010                                                                     |   |     | 5.88   | %      |            |   | N/A | % |   |   | 5.54 | % |   |   | N/A | % |
| January 1, 2009 through October 31, 2009                                 |   |     | N/A    |   |            |   | 6.17 |   |   |   | N/A |   |   |   | 6.17 |   |
| November 1, 2009 through December 31, 2009                               |   |     | N/A    |   |            |   | 5.83 |   |   |   | N/A |   |   |   | 5.46 |   |
| Expected return on plan assets                                           |   |     | 8.00   |   |            |   | 8.00 |   |   |   | N/A |   |   |   | N/A |   |
| Rate of compensation increase                                            |   |     | 4.50   |   |            |   | 4.00 |   |   |   | N/A |   |   |   | N/A |   |

----

|                                                          |   | Pension  |    |   | Post-Retirement |   |
|---------------------------------------------------------------|--------|----------|---------|--------|-----------------|--------|
|                                                          |   | Benefits |    |   | Benefits        |   |
| (dollar amounts in thousands)                                 |   | 2010     |    |   | 2009            |   |   | 2010 |   |   | 2009 |   |
| Projected benefit obligation at beginning of measurement year |   | $        | 504,859 |   |            | $      | 469,696 |   |   | $ | 33,173 |   |   | $ | 60,433 |   |
| Changes due to:                                               |   |     |    |   |            |   |   |   |   |   |   |   |   |   |   |   |
| Service cost                                                  |   |     | 20,205  |   |            |   | 23,692 |   |   |   | — |   |   |   | 1,550 |   |
| Interest cost                                                 |   |     | 28,869  |   |            |   | 28,036 |   |   |   | 1,731 |   |   |   | 3,274 |   |
| Benefits paid                                                 |   |     | (11,367 | )      |            |   | (9,233 | ) |   |   | (5,103 | ) |   |   | (5,285 | ) |
| Settlements                                                   |   |     | (20,582 | )      |            |   | (12,071 | ) |   |   | — |   |   |   | — |   |
| Effect of plan combinations                                   |   |     | 896     |   |            |   | 24,411 |   |   |   | — |   |   |   | — |   |
| Plan amendments                                               |   |     | — |   |            |   | (45,413 | ) |   |   | — |   |   |   | (25,947 | ) |
| Plan curtailments                                             |   |     | — |   |            |   | — |   |   |   | — |   |   |   | (527 | ) |
| Medicare subsidies                                            |   |     | — |   |            |   | — |   |   |   | 753 |   |   |   | 550 |   |
| Actuarial assumptions and gains and losses                    |   |     | 54,890  |   |            |   | 25,741 |   |   |   | 3,687 |   |   |   | (875 | ) |
| Total changes                                                 |   |     | 72,911  |   |            |   | 35,163 |   |   |   | 1,068 |   |   |   | (27,260 | ) |
| Projected benefit obligation at end of measurement year       |   | $        | 577,770 |   |            | $      | 504,859 |   |   | $ | 34,241 |   |   | $ | 33,173 |   |

|                                                       |   | Pension  |    |
|------------------------------------------------------------|--------|----------|---------|
|                                                       |   | Benefits |    |
| (dollar amounts in thousands)                              |   | 2010     |    |   | 2009 |   |
| Fair value of plan assets at beginning of measurement year |   | $        | 454,114 |   |   | $ | 407,079 |   |
|                                                       |   |     |    |   |   |   |   |   |
| Changes due to:                                            |   |     |    |   |   |   |   |   |
| Actual return on plan assets                               |   |     | 55,583  |   |   |   | 51,202 |   |
| Employer contributions                                     |   |     | 79      |   |   |   | — |   |
| Settlements                                                |   |     | (20,911 | ) |   |   | (12,394 | ) |
| Plan combinations                                          |   |     | 981     |   |   |   | 17,460 |   |
| Benefits paid                                              |   |     | (11,367 | ) |   |   | (9,233 | ) |
| Total changes                                              |   |     | 24,365  |   |   |   | 47,035 |   |
| Fair value of plan assets at end of measurement year       |   | $        | 478,479 |   |   | $ | 454,114 |   |

----

|                               |   | Pension Benefits |    |   | Post-Retirement Benefits |   |
|------------------------------------|--------|------------------|---------|--------|--------------------------|--------|
| (dollar amounts in thousands)      |   | 2010             |    |   | 2009                     |   |   | 2008 |   |   | 2010 |   |   | 2009 |   |   | 2008 |   |
|                               |   |             |    |   |                     |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Service cost                       |   | $                | 20,205  |   |                     | $      | 23,692 |   |   | $ | 23,680 |   |   | $ | — |   |   | $ | 1,550 |   |   | $ | 1,679 |   |
| Interest cost                      |   |             | 28,869  |   |                     |   | 28,036 |   |   |   | 26,804 |   |   |   | 1,731 |   |   |   | 3,274 |   |   |   | 3,612 |   |
| Expected return on plan assets     |   |             | (42,113 | )      |                     |   | (41,960 | ) |   |   | (39,145 | ) |   |   | — |   |   |   | — |   |   |   | — |   |
| Amortization of transition asset   |   |             | 5       |   |                     |   | 6 |   |   |   | 5 |   |   |   | — |   |   |   | 920 |   |   |   | 1,104 |   |
| Amortization of prior service cost |   |             | (5,766  | )      |                     |   | (553 | ) |   |   | 314 |   |   |   | (1,353 | ) |   |   | 91 |   |   |   | 379 |   |
| Amortization of loss               |   |             | 14,989  |   |                     |   | 8,689 |   |   |   | — |   |   |   | (699 | ) |   |   | (888 | ) |   |   | (1,095 | ) |
| Curtailments                       |   |             | — |   |                     |   | — |   |   |   | — |   |   |   | — |   |   |   | (527 | ) |   |   | — |   |
| Settlements                        |   |             | 9,694   |   |                     |   | 6,213 |   |   |   | 7,099 |   |   |   | — |   |   |   | — |   |   |   | — |   |
| Recognized net actuarial loss      |   |             | — |   |                     |   | — |   |   |   | 3,550 |   |   |   | — |   |   |   | — |   |   |   | — |   |
| Benefit cost                       |   | $                | 25,883  |   |                     | $      | 24,123 |   |   | $ | 22,307 |   |   | $ | (321 | ) |   | $ | 4,420 |   |   | $ | 5,679 |   |

|                                  |   | Fair Value |    |
|---------------------------------------|--------|------------|---------|
| (dollar amounts in thousands)         |   | 2010       |    |   |   |   |   | 2009 |   |   |   |   |
| Cash                                  |   | $          | — |   |   |   | — | % |   | $ | — |   |   |   | — | % |
| Cash equivalents:                     |   |       |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Huntington funds - money market       |   |       | 25      |   |   |   | — |   |   |   | 11,304 |   |   |   | 2 |   |
| Other                                 |   |       | — |   |   |   | — |   |   |   | 2,777 |   |   |   | 1 |   |
| Fixed income:                         |   |       |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Huntington funds - fixed income funds |   |       | 133,330 |   |   |   | 28 |   |   |   | 125,323 |   |   |   | 28 |   |
| Corporate obligations                 |   |       | — |   |   |   | — |   |   |   | 1,315 |   |   |   | — |   |
| U.S. Government Agencies              |   |       | — |   |   |   | — |   |   |   | 497 |   |   |   | — |   |
| Equities:                             |   |       |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Huntington funds                      |   |       | 318,155 |   |   |   | 66 |   |   |   | 288,074 |   |   |   | 64 |   |
| Other - equity mutual funds           |   |       | — |   |   |   | — |   |   |   | 122 |   |   |   |   |   |
| Huntington common stock               |   |       | 26,969  |   |   |   | 6 |   |   |   | 14,347 |   |   |   | 3 |   |
| Other common stock                    |   |       | — |   |   |   | — |   |   |   | 10,355 |   |   |   | 2 |   |
| Fair value of plan assets             |   | $          | 478,479 |   |   |   | 100 | % |   | $ | 454,114 |   |   |   | 100 | % |

----

|                          |   |     |    |   | Post-      |   |
|-------------------------------|--------|----------|---------|--------|------------|--------|
|                          |   | Pension  |    |   | Retirement |   |
| (dollar amounts in thousands) |   | Benefits |    |   | Benefits   |   |
| 2011                     |   | $        | 31,319  |   |       | $      | 4,577 |   |
| 2012                     |   |     | 33,983  |   |       |   | 4,393 |   |
| 2013                     |   |     | 35,462  |   |       |   | 4,221 |   |
| 2014                     |   |     | 37,018  |   |       |   | 4,050 |   |
| 2015                     |   |     | 38,905  |   |       |   | 3,891 |   |
| 2016 through 2020             |   |     | 214,900 |   |       |   | 17,140 |   |

| (dollar amounts in thousands)          |   | 2010 |    |   | 2009   |   |
|----------------------------------------|--------|------|---------|--------|--------|--------|
| Accrued expenses and other liabilities |   | $    | 156,551 |   |   | $      | 106,738 |   |

----

| (dollar amounts in thousands) |   | 2010   |     |   | 2009   |   |     | 2008   |   |
|-------------------------------|--------|--------|----------|--------|--------|--------|----------|--------|--------|
| Net actuarial loss            |   | $      | (166,183 | )      |   | $      | (151,564 | )      |   | $ | (156,762 | ) |
| Prior service cost            |   |   | 34,688   |   |   |   | 39,093   |   |   |   | (4,123 | ) |
| Transition liability          |   |   | 6        |   |   |   | 3        |   |   |   | (2,690 | ) |
| Defined benefit pension plans |   | $      | (131,489 | )      |   | $      | (112,468 | )      |   | $ | (163,575 | ) |

|                                                |   | 2010   |     |
|-----------------------------------------------------|--------|--------|----------|
|                                                |   |   |     |   | Tax (expense) |   |   |   |   |
| (dollar amounts in thousands)                       |   | Pretax |     |   | Benefit |   |   | After-tax |   |
| Balance, beginning of year                          |   | $      | (173,029 | ) |   | $ | 60,561 |   |   | $ | (112,468 | ) |
| Net actuarial (loss) gain:                          |   |   |     |   |   |   |   |   |   |   |   |   |
| Amounts arising during the year                     |   |   | (45,804  | ) |   |   | 16,031 |   |   |   | (29,773 | ) |
| Amortization included in net periodic benefit costs |   |   | 23,313   |   |   |   | (8,159 | ) |   |   | 15,154 |   |
| Prior service cost:                                 |   |   |     |   |   |   |   |   |   |   |   |   |
| Amounts arising during the year                     |   |   | —  |   |   |   | — |   |   |   | — |   |
| Amortization included in net periodic benefit costs |   |   | (6,777   | ) |   |   | 2,372 |   |   |   | (4,405 | ) |
| Transition obligation:                              |   |   |     |   |   |   |   |   |   |   |   |   |
| Amounts arising during the year                     |   |   | —  |   |   |   | — |   |   |   | — |   |
| Amortization included in net periodic benefit costs |   |   | 5        |   |   |   | (2 | ) |   |   | 3 |   |
| Balance, end of year                                |   | $      | (202,292 | ) |   | $ | 70,803 |   |   | $ | (131,489 | ) |

|                                                |   | 2009   |     |
|-----------------------------------------------------|--------|--------|----------|
|                                                |   |   |     |   | Tax (expense) |   |   |   |   |
| (dollar amounts in thousands)                       |   | Pretax |     |   | Benefit |   |   | After-tax |   |
| Balance, beginning of year                          |   | $      | (251,655 | ) |   | $ | 88,080 |   |   | $ | (163,575 | ) |
| Net actuarial (loss) gain:                          |   |   |     |   |   |   |   |   |   |   |   |   |
| Amounts arising during the year                     |   |   | (6,155   | ) |   |   | 2,154 |   |   |   | (4,001 | ) |
| Amortization included in net periodic benefit costs |   |   | 14,153   |   |   |   | (4,954 | ) |   |   | 9,199 |   |
| Prior service cost:                                 |   |   |     |   |   |   |   |   |   |   |   |   |
| Amounts arising during the year                     |   |   | 69,986   |   |   |   | (24,494 | ) |   |   | 45,492 |   |
| Amortization included in net periodic benefit costs |   |   | (283     | ) |   |   | 99 |   |   |   | (184 | ) |
| Transition obligation:                              |   |   |     |   |   |   |   |   |   |   |   |   |
| Amounts arising during the year                     |   |   | —  |   |   |   | — |   |   |   | — |   |
| Amortization included in net periodic benefit costs |   |   | 925      |   |   |   | (324 | ) |   |   | 601 |   |
| Balance, end of year                                |   | $      | (173,029 | ) |   | $ | 60,561 |   |   | $ | (112,468 | ) |

|                                                |   | 2008   |     |
|-----------------------------------------------------|--------|--------|----------|
|                                                |   |   |     |   | Tax (expense) |   |   |   |   |
| (dollar amounts in thousands)                       |   | Pretax |     |   | Benefit |   |   | After-tax |   |
| Balance, beginning of year                          |   | $      | (67,928  | ) |   | $ | 23,775 |   |   | $ | (44,153 | ) |
| Impact of change in measurement date                |   |   | (1,485   | ) |   |   | 520 |   |   |   | (965 | ) |
| Net actuarial (loss) gain:                          |   |   |     |   |   |   |   |   |   |   |   |   |
| Amounts arising during the year                     |   |   | (186,922 | ) |   |   | 65,423 |   |   |   | (121,499 | ) |
| Amortization included in net periodic benefit costs |   |   | 2,608    |   |   |   | (913 | ) |   |   | 1,695 |   |
| Prior service cost:                                 |   |   |     |   |   |   |   |   |   |   |   |   |
| Amortization included in net periodic benefit costs |   |   | 964      |   |   |   | (337 | ) |   |   | 627 |   |
| Transition obligation:                              |   |   |     |   |   |   |   |   |   |   |   |   |
| Amounts arising during the year                     |   |   | (1       | ) |   |   | — |   |   |   | (1 | ) |
| Amortization included in net periodic benefit costs |   |   | 1,109    |   |   |   | (388 | ) |   |   | 721 |   |
| Balance, end of year                                |   | $      | (251,655 | ) |   | $ | 88,080 |   |   | $ | (163,575 | ) |

----

| Financial Instrument(1)                                           |   | Hierarchy |   | Valuation methodology                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
|-------------------------------------------------------------------|--------|-----------|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                                              |   |      |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |
| Mortgage loans held for sale                                      |   | Level 2   |   | Huntington elected to apply the fair value option for mortgage loans originated with the intent to sell which are included in loans held for sale.  Mortgage loans held for sale are estimated using security prices for similar product types. At December 31, 2010, mortgage loans held for sale had an aggregate fair value of $754.1 million and an aggregate outstanding principal balance of $750.0 million.  Interest income on these loans is recorded in interest and fee income - loans and leases.  Included in mortgage banking income were net gains resulting from origination and sale of these loans, including net realized gains of $109.2 million, $90.6 million, and $32.2 million for the years ended December 31, 2010, 2009, and 2008, respectively.  Of such gains, the change in fairvalue while held as loans were $(5.6) million, $(6.3) million and $6.6 million for the years ended December 31, 2010, 2009, and 2008, respectively. |
|                                                              |   |      |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |
| Available-for-sale Securities & Trading Account Securities(2) |   | Level 1   |   | Consist primarily of U.S. Treasury and money market mutual funds, which generally have quoted prices.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
|                                                              |   |      |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |
|                                                              |   | Level 2   |   | Consist of U.S. Government and agency mortgage-backed and other federal agency securities, municipal securities, and other securities for which an active market is not available.  Third party pricing services provide a fair value estimate based upon trades of similar financial instruments.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |

----

|                                  |   | Level 3 |   | Consist of certain asset-backed securities, pooled-trust-preferred securities, private-label CMOs, and municipal securities for which fair value is estimated.  Assumptions used to determine the fair value of these securities have greater subjectivity due to the lack of observable market transactions.  Generally, there are only limited trades of similar instruments and a discounted cash flow approach is used to determine fair value.                                                                                                                                                                                                                                                                                                                                                                                            |
|---------------------------------------|--------|---------|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                  |   |    |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |
| Automobile loans(3)                   |   | Level 3 |   | Consists of automobile loan receivables measured at fair value. The key assumptions used to determine the fair value of the automobile loan receivables included projections of expected losses and prepayment of the underlying loans in the portfolio and a market assumption of interest rate spreads.  The net gains and losses, before tax, from fair value changes reflected in earnings for the year ended December 31, 2010 was a net loss of $2.3 million which is net of a $3.4 million net gain associated with instrument specific credit risk.  Instrument specific credit risk was determined based on estimated credit losses inherent in the January 1, 2010 fair value calculation as compared to actual credit losses incurred in 2010 plus estimated credit losses inherent in the December 31, 2010 fair valuecalculation. |
|                                  |   |    |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |
| MSRs(3)                               |   | Level 3 |   | MSRs do not trade in an active, open market with readily observable prices.  Although sales of MSRs do occur, the precise terms and conditions typically are not readily available.  Fair value is determined on an income approach model based upon month-end interest rate curve and prepayment assumptions.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |
|                                  |   |    |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |
| Derivatives(4)                        |   | Level 1 |   | Consist of exchange traded options and forward commitments to deliver mortgage-backed securities which are valued using quoted prices.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |
|                                  |   |    |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |
|                                  |   | Level 2 |   | Consist of basic asset and liability conversion swaps and options, and interest rate caps. These derivative positions are valued using a discounted cash flow  method that incorporates current market interest rates.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
|                                  |   |    |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |
|                                  |   | Level 3 |   | Consist primarily of interest rate lock agreements related to mortgage loan commitments.  The determination of fair value includes assumptions related to the likelihood that a commitment will ultimately result in a closed loan, which is a significant unobservable assumption.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |
|                                  |   |    |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |
| Securitization trust notes payable(4) |   | Level 2 |   | Consists of certain securitization trust notes payable related to the automobile loans measured at fair value. The notes payable are valued based on interest rates for similar financial instruments. The change in fair value for the year ended December 31, 2010 was $9.6 million.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |

----

|                                    |   | Fair Value Measurements at Reporting Date Using |      |   | Netting      |   |      | Balance at |   |
|----------------------------------------------|--------|-------------------------------------------------------------------------------|-----------|--------|--------------|--------|-----------|-----------------|--------|
| (dollar amounts in thousands) |   | Level 1                                                                  |      |   | Level 2 |   |      | Level 3    |   |   | Adjustments (1) |   |   | December 31, 2010 |   |
| Assets                                       |   |                                                                          |      |   |         |   |      |            |   |   |   |   |   |   |   |
| Mortgage loans held for sale                 |   | $                                                                             | —   |   |         | $      | 754,117   |            |   | $ | — |   |   | $ | — |   |   | $ | 754,117 |   |
|                                         |   |                                                                          |      |   |         |   |      |            |   |   |   |   |   |   |   |   |   |   |   |   |
| Trading account securities:                  |   |                                                                          |      |   |         |   |      |            |   |   |   |   |   |   |   |   |   |   |   |   |
| U.S. Treasury securities                     |   |                                                                          | 47,430    |   |         |   | —   |            |   |   | — |   |   |   | — |   |   |   | 47,430 |   |
| Federal agencies: Mortgage-backed            |   |                                                                          | —   |   |         |   | 10,860    |            |   |   | — |   |   |   | — |   |   |   | 10,860 |   |
| Federal agencies: Other agencies             |   |                                                                          | —   |   |         |   | 24,853    |            |   |   | — |   |   |   | — |   |   |   | 24,853 |   |
| Municipal securities                         |   |                                                                          | —   |   |         |   | 30,205    |            |   |   | — |   |   |   | — |   |   |   | 30,205 |   |
| Other securities                             |   |                                                                          | 69,017    |   |         |   | 3,039     |            |   |   | — |   |   |   | — |   |   |   | 72,056 |   |
|                                         |   |                                                                          | 116,447   |   |         |   | 68,957    |            |   |   | — |   |   |   | — |   |   |   | 185,404 |   |
|                                         |   |                                                                          |      |   |         |   |      |            |   |   |   |   |   |   |   |   |   |   |   |   |
| Available-for-sale securities:               |   |                                                                          |      |   |         |   |      |            |   |   |   |   |   |   |   |   |   |   |   |   |
| U.S. Treasury securities                     |   |                                                                          | 51,781    |   |         |   | —   |            |   |   | — |   |   |   | — |   |   |   | 51,781 |   |
| Federal agencies: Mortgage-backed            |   |                                                                          | —   |   |         |   | 4,754,404 |            |   |   | — |   |   |   | — |   |   |   | 4,754,404 |   |
| TLGP securities                              |   |                                                                          | —   |   |         |   | 183,467   |            |   |   | — |   |   |   | — |   |   |   | 183,467 |   |
| Federal agencies: Other agencies             |   |                                                                          | —   |   |         |   | 2,058,376 |            |   |   | — |   |   |   | — |   |   |   | 2,058,376 |   |
| Municipal securities                         |   |                                                                          | —   |   |         |   | 305,909   |            |   |   | 149,806 |   |   |   | — |   |   |   | 455,715 |   |
| Private-label CMO                            |   |                                                                          | —   |   |         |   | —   |            |   |   | 121,925 |   |   |   | — |   |   |   | 121,925 |   |
| Asset-backed securities                      |   |                                                                          | —   |   |         |   | 1,044,438 |            |   |   | 162,684 |   |   |   | — |   |   |   | 1,207,122 |   |
| Other securities                             |   |                                                                          | 53,286    |   |         |   | 700,446   |            |   |   | — |   |   |   | — |   |   |   | 753,732 |   |
|                                         |   |                                                                          | 105,067   |   |         |   | 9,047,040 |            |   |   | 434,415 |   |   |   | — |   |   |   | 9,586,522 |   |
|                                         |   |                                                                          |      |   |         |   |      |            |   |   |   |   |   |   |   |   |   |   |   |   |
| Automobile loans                             |   |                                                                          | —   |   |         |   | —   |            |   |   | 522,717 |   |   |   | — |   |   |   | 522,717 |   |
|                                         |   |                                                                          |      |   |         |   |      |            |   |   |   |   |   |   |   |   |   |   |   |   |
| MSRs                                         |   |                                                                          | —   |   |         |   | —   |            |   |   | 125,679 |   |   |   | — |   |   |   | 125,679 |   |
|                                         |   |                                                                          |      |   |         |   |      |            |   |   |   |   |   |   |   |   |   |   |   |   |
| Derivative assets                            |   |                                                                          | 23,514    |   |         |   | 390,361   |            |   |   | 2,817 |   |   |   | (70,559 | ) |   |   | 346,133 |   |
|                                         |   |                                                                          |      |   |         |   |      |            |   |   |   |   |   |   |   |   |   |   |   |   |
|                                         |   |                                                                          |      |   |         |   |      |            |   |   |   |   |   |   |   |   |   |   |   |   |
| Liabilities                                  |   |                                                                          |      |   |         |   |      |            |   |   |   |   |   |   |   |   |   |   |   |   |
| Securitization trust notes payable           |   |                                                                          | —   |   |         |   | 356,089   |            |   |   | — |   |   |   | — |   |   |   | 356,089 |   |
|                                         |   |                                                                          |      |   |         |   |      |            |   |   |   |   |   |   |   |   |   |   |   |   |
| Derivative liabilities                       |   |                                                                          | 3,990     |   |         |   | 233,399   |            |   |   | 1,851 |   |   |   | — |   |   |   | 239,240 |   |
|                                         |   |                                                                          |      |   |         |   |      |            |   |   |   |   |   |   |   |   |   |   |   |   |
|                                         |   | Fair Value Measurements at Reporting Date Using |      |   | Netting      |   |      | Balance at |   |
| (in thousands)                          |   | Level 1                                                                  |      |   | Level 2 |   |      | Level 3    |   |   | Adjustments (1) |   |   | December 31, 2009 |   |
| Assets                                       |   |                                                                          |      |   |         |   |      |            |   |   |   |   |   |   |   |   |   |   |   |   |
| Mortgage loans held for sale                 |   | $                                                                             | —   |   |         | $      | 459,719   |            |   | $ | — |   |   | $ | — |   |   | $ | 459,719 |   |
|                                         |   |                                                                          |      |   |         |   |      |            |   |   |   |   |   |   |   |   |   |   |   |   |
| Trading account securities:                  |   |                                                                          |      |   |         |   |      |            |   |   |   |   |   |   |   |   |   |   |   |   |
| U.S. Treasury securities                     |   |                                                                          |      |   |         |   |      |            |   |   |   |   |   |   |   |   |   |   |   |   |
| Federal agencies: Mortgage-backed            |   |                                                                          | 75        |   |         |   | 18,150    |            |   |   | — |   |   |   | — |   |   |   | 18,225 |   |
| Municipal securities                         |   |                                                                          | —   |   |         |   | 5,234     |            |   |   | — |   |   |   | — |   |   |   | 5,234 |   |
| Other securities                             |   |                                                                          | 55,934    |   |         |   | 4,264     |            |   |   | — |   |   |   | — |   |   |   | 60,198 |   |
|                                         |   |                                                                          | 56,009    |   |         |   | 27,648    |            |   |   | — |   |   |   | — |   |   |   | 83,657 |   |
|                                         |   |                                                                          |      |   |         |   |      |            |   |   |   |   |   |   |   |   |   |   |   |   |
| Available-for-sale securities                |   |                                                                          |      |   |         |   |      |            |   |   |   |   |   |   |   |   |   |   |   |   |
| U.S. Treasury securities                     |   |                                                                          | 99,154    |   |         |   | —   |            |   |   | — |   |   |   | — |   |   |   | 99,154 |   |
| Federal agencies: Mortgage-backed            |   |                                                                          | —   |   |         |   | 3,480,108 |            |   |   | — |   |   |   | — |   |   |   | 3,480,108 |   |
| TLGP securities                              |   |                                                                          | 260,388   |   |         |   | —   |            |   |   | — |   |   |   | — |   |   |   | 260,388 |   |
| Federal agencies: Other agencies             |   |                                                                          | 2,698,316 |   |         |   | 28,687    |            |   |   | — |   |   |   | — |   |   |   | 2,727,003 |   |
| Municipal securities                         |   |                                                                          | —   |   |         |   | 113,270   |            |   |   | 11,515 |   |   |   | — |   |   |   | 124,785 |   |
| Private-label CMO                            |   |                                                                          | —   |   |         |   | —   |            |   |   | 477,319 |   |   |   | — |   |   |   | 477,319 |   |
| Asset-backed securities                      |   |                                                                          | —   |   |         |   | 573,218   |            |   |   | 407,098 |   |   |   | — |   |   |   | 980,316 |   |
| Other securities                             |   |                                                                          | 53,987    |   |         |   | 8,214     |            |   |   | — |   |   |   | — |   |   |   | 62,201 |   |
|                                         |   |                                                                          | 3,111,845 |   |         |   | 4,203,497 |            |   |   | 895,932 |   |   |   | — |   |   |   | 8,211,274 |   |
|                                         |   |                                                                          |      |   |         |   |      |            |   |   |   |   |   |   |   |   |   |   |   |   |
| MSRs                                         |   |                                                                          | —   |   |         |   | —   |            |   |   | 176,427 |   |   |   | — |   |   |   | 176,427 |   |
|                                         |   |                                                                          |      |   |         |   |      |            |   |   |   |   |   |   |   |   |   |   |   |   |
| Derivative assets                            |   |                                                                          | 7,711     |   |         |   | 341,676   |            |   |   | 995 |   |   |   | (62,626 | ) |   |   | 287,756 |   |
|                                         |   |                                                                          |      |   |         |   |      |            |   |   |   |   |   |   |   |   |   |   |   |   |
| Equity investments                           |   |                                                                          | —   |   |         |   | —   |            |   |   | 25,872 |   |   |   | — |   |   |   | 25,872 |   |
|                                         |   |                                                                          |      |   |         |   |      |            |   |   |   |   |   |   |   |   |   |   |   |   |
| Liabilities                                  |   |                                                                          |      |   |         |   |      |            |   |   |   |   |   |   |   |   |   |   |   |   |
| Derivative liabilities                       |   |                                                                          | 119       |   |         |   | 233,597   |            |   |   | 5,231 |   |   |   | — |   |   |   | 238,947 |   |

----

|                         |   | Level 3 Fair Value Measurements |    |
|-----------------------------------|--------|---------------------------------|---------|
|                              |   | Year ended December 31, 2010    |    |
|                              |   |                            |    |   |   |   |   | Available-for-sale securities |   |   |   |   |   |   |   |
|                              |   |                            |    |   |   |   |   |   |   |   |   |   |   | Asset- |   |   |   |   |   |   |   |
|                              |   |                            |    |   | Derivative |   |   | Municipal |   |   | Private- |   |   | backed |   |   | Automobile |   |   | Equity |   |
| (dollar amounts in thousands)     |   | MSRs                            |    |   | instruments |   |   | securities |   |   | label CMO |   |   | securities |   |   | loans |   |   | investments |   |
| Balance, beginning of year        |   | $                               | 176,427 |   |   | $ | (4,236 | ) |   | $ | 11,515 |   |   | $ | 477,319 |   |   | $ | 407,098 |   |   | $ | — |   |   | $ | 25,872 |   |
| Total gains / losses:             |   |                            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Included in earnings              |   |                            | (50,748 | ) |   |   | 4,413 |   |   |   | — |   |   |   | (5,117 | ) |   |   | (6,160 | ) |   |   | (2,267 | ) |   |   | — |   |
| Included in OCI                   |   |                            | — |   |   |   | — |   |   |   | — |   |   |   | 44,475 |   |   |   | 16,191 |   |   |   | — |   |   |   | — |   |
| Purchases                         |   |                            | — |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | — |   |
| Sales                             |   |                            | — |   |   |   | — |   |   |   | (112,322 | ) |   |   | (312,460 | ) |   |   | (53,806 | ) |   |   | — |   |   |   | — |   |
| Repayments                        |   |                            | — |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | (266,381 | ) |   |   | — |   |
| Issuances                         |   |                            | — |   |   |   | (1,741 | ) |   |   | — |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | — |   |
| Settlements                       |   |                            | — |   |   |   | 2,530 |   |   |   | (73,024 | ) |   |   | (82,292 | ) |   |   | (16,566 | ) |   |   | — |   |   |   | — |   |
| Transfers in / out of Level 3 (1) |   |                            | — |   |   |   | — |   |   |   | 323,637 |   |   |   | — |   |   |   | (184,073 | ) |   |   | 791,365 |   |   |   | (25,872 | ) |
| Balance, end of year              |   | $                               | 125,679 |   |   | $ | 966 |   |   | $ | 149,806 |   |   | $ | 121,925 |   |   | $ | 162,684 |   |   | $ | 522,717 |   |   | $ | — |   |
|                              |   |                            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| The amount of total gains         |   |                            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| or losses for the period          |   |                            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| included in earnings              |   |                            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| (or OCI) attributable to the      |   |                            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| change in unrealized gains or     |   |                            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| losses relating to assets still   |   |                            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| held at reporting date            |   | $                               | (50,748 | ) |   | $ | 1,715 |   |   | $ | — |   |   | $ | 5,565 |   |   | $ | 15,113 |   |   | $ | (2,267 | ) |   | $ | — |   |

|                         |   | Level 3 Fair Value Measurements |    |
|-----------------------------------|--------|---------------------------------|---------|
|                              |   | Year ended December 31, 2009    |    |
|                              |   |                            |    |   |   |   |   | Available-for-sale securities |   |   |   |   |   |   |   |
|                              |   |                            |    |   |   |   |   |   |   |   |   |   |   | Asset- |   |   |   |   |   |   |   |
|                         |   |                            |    |   | Derivative |   |   | Municipal |   |   | Private |   |   | backed |   |   | Automobile |   |   | Equity |   |
| (dollar amounts in thousands)     |   | MSRs                            |    |   | instruments |   |   | securities |   |   | label CMO |   |   | securities |   |   | loans |   |   | investments |   |
| Balance, beginning of year        |   | $                               | 167,438 |   |   | $ | 8,132 |   |   | $ | — |   |   | $ | 523,515 |   |   | $ | 464,027 |   |   | $ | — |   |   | $ | 36,893 |   |
| Total gains / losses:             |   |                            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Included in earnings              |   |                            | 9,707   |   |   |   | (5,976 | ) |   |   | — |   |   |   | (3,606 | ) |   |   | (40,039 | ) |   |   | — |   |   |   | 408 |   |
| Included in OCI                   |   |                            | — |   |   |   | — |   |   |   | — |   |   |   | 93,934 |   |   |   | 40,385 |   |   |   | — |   |   |   | — |   |
| Purchases                         |   |                            | 2,388   |   |   |   | (7,100 | ) |   |   | — |   |   |   | 5,448 |   |   |   | 211,296 |   |   |   | — |   |   |   | 1,688 |   |
| Sales                             |   |                            | — |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | (295,033 | ) |   |   | — |   |   |   | — |   |
| Repayments                        |   |                            | — |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | — |   |
| Issuances                         |   |                            | — |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | 47,119 |   |   |   | — |   |   |   | — |   |
| Settlements                       |   |                            | (3,106  | ) |   |   | 708 |   |   |   | (185 | ) |   |   | (141,972 | ) |   |   | (20,657 | ) |   |   | — |   |   |   | (13,117 | ) |
| Transfers in / out of Level 3 (2) |   |                            | — |   |   |   | — |   |   |   | 11,700 |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | — |   |
| Balance, end of year              |   | $                               | 176,427 |   |   | $ | (4,236 | ) |   | $ | 11,515 |   |   | $ | 477,319 |   |   | $ | 407,098 |   |   | $ | — |   |   | $ | 25,872 |   |
|                              |   |                            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| The amount of total gains         |   |                            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| or losses for the period          |   |                            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| included in earnings              |   |                            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| (or OCI) attributable to the      |   |                            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| change in unrealized gains or     |   |                            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| losses relating to assets still   |   |                            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| held at reporting date            |   | $                               | 9,707   |   |   | $ | (8,475 | ) |   | $ | — |   |   | $ | 90,328 |   |   | $ | (7,406 | ) |   | $ | — |   |   | $ | 408 |   |

----

|                         |   | Level 3 Fair Value Measurements |    |
|-----------------------------------|--------|---------------------------------|---------|
|                         |   | Year ended December 31, 2008    |    |
|                         |   |                            |    |   |   |   |   | Available-for-sale securities |   |   |   |   |   |   |   |
|                              |   |                            |    |   |   |   |   |   |   |   |   |   |   | Asset- |   |   |   |   |   |   |   |
|                              |   |                            |    |   | Derivative |   |   | Municipal |   |   | Private |   |   | backed |   |   | Automobile |   |   | Equity |   |
| (dollar amounts in thousands)     |   | MSRs                            |    |   | instruments |   |   | securities |   |   | label CMO |   |   | securities |   |   | loans |   |   | investments |   |
| Balance, beginning of year        |   | $                               | 207,894 |   |   | $ | (46 | ) |   | $ | — |   |   | $ | — |   |   | $ | 834,489 |   |   | $ | — |   |   | $ | 41,516 |   |
| Total gains / losses:             |   |                            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Included in earnings              |   |                            | (40,769 | ) |   |   | 8,683 |   |   |   | — |   |   |   | (3,435 | ) |   |   | (195,377 | ) |   |   | — |   |   |   | (9,242 | ) |
| Included in OCI                   |   |                            | — |   |   |   | — |   |   |   | — |   |   |   | (149,699 | ) |   |   | (153,690 | ) |   |   | — |   |   |   | — |   |
| Purchases                         |   |                            | — |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | 4,619 |   |
| Sales                             |   |                            | 313     |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | — |   |
| Repayments                        |   |                            | — |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | — |   |
| Issuances                         |   |                            | — |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | — |   |
| Settlements                       |   |                            | — |   |   |   | (505 | ) |   |   | — |   |   |   | (97,126 | ) |   |   | (30,667 | ) |   |   | — |   |   |   | — |   |
| Transfers in / out of Level 3 (2) |   |                            | — |   |   |   | — |   |   |   | — |   |   |   | 773,775 |   |   |   | 9,272 |   |   |   | — |   |   |   | — |   |
| Balance, end of year              |   | $                               | 167,438 |   |   | $ | 8,132 |   |   | $ | — |   |   | $ | 523,515 |   |   | $ | 464,027 |   |   | $ | — |   |   | $ | 36,893 |   |
|                              |   |                            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| The amount of total gains         |   |                            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| or losses for the period          |   |                            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| included in earnings              |   |                            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| (or OCI) attributable to the      |   |                            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| change in unrealized gains or     |   |                            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| losses relating to assets still   |   |                            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| held at reporting date            |   | $                               | (40,769 | ) |   | $ | 8,179 |   |   | $ | — |   |   | $ | (153,134 | ) |   | $ | (349,067 | ) |   | $ | — |   |   | $ | (3,469 | ) |

|                                       |   | Level 3 Fair Value Measurements |    |
|-------------------------------------------------|--------|---------------------------------|---------|
|                                            |   | Year ended December 31, 2010    |    |
|                                            |   |                            |    |   |   |   |   | Available-for-sale securities |   |   |   |   |   |   |   |
|                                            |   |                            |    |   |   |   |   |   |   |   |   |   |   | Asset- |   |   |   |   |   |   |   |
|                                            |   |                            |    |   | Derivative |   |   | Municipal |   |   | Private |   |   | backed |   |   | Automoblie |   |   | Equity |   |
| (dollar amounts in thousands)                   |   | MSRs                            |    |   | instruments |   |   | securities |   |   | label CMO |   |   | securities |   |   | loans |   |   | investments |   |
| Classification of gains and losses in earnings: |   |                            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                            |   |                            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Mortgage banking income (loss)                  |   | $                               | (50,748 | ) |   | $ | 4,413 |   |   | $ | — |   |   | $ | — |   |   | $ | — |   |   | $ | — |   |   | $ | — |   |
| Securities gains (losses)                       |   |                            | — |   |   |   | — |   |   |   | — |   |   |   | (7,149 | ) |   |   | (6,554 | ) |   |   | — |   |   |   | — |   |
| Interest and fee income                         |   |                            | — |   |   |   | — |   |   |   | — |   |   |   | 2,032 |   |   |   | 394 |   |   |   | (11,202 | ) |   |   | — |   |
| Noninterest income                              |   |                            | — |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | 8,935 |   |   |   | — |   |
| Total                                           |   | $                               | (50,748 | ) |   | $ | 4,413 |   |   | $ | — |   |   | $ | (5,117 | ) |   | $ | (6,160 | ) |   | $ | (2,267 | ) |   | $ | — |   |
|                                            |   |                            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                            |   | Level 3 Fair Value Measurements |    |
|                                            |   | Year ended December 31, 2009    |    |
|                                            |   |                            |    |   |   |   |   |   |   | Available-for-sale securities |   |   |   |   |   |   |   |   |   |
|                                            |   |                            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   | Asset- |   |   |   |   |   |   |   |   |   |
|                                            |   |                            |    |   |   | Derivative |   |   | Municipal |   |   | Private |   |   | backed |   |   | Automoblie |   |   | Equity |   |
| (dollar amounts in thousands)                   |   | MSRs                            |    |   | instruments |   |   | securities |   |   | label CMO |   |   | securities |   |   | loans |   |   | investments |   |
| Classification of gains and losses in earnings: |   |                            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                            |   |                            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Mortgage banking income (loss)                  |   | $                               | 9,707   |   |   | $ | (5,976 | ) |   | $ | — |   |   | $ | — |   |   | $ | — |   |   | $ | — |   |   | $ | — |   |
| Securities gains (losses)                       |   |                            | — |   |   |   | — |   |   |   | — |   |   |   | (5,996 | ) |   |   | (53,068 | ) |   |   | — |   |   |   | — |   |
| Interest and fee income                         |   |                            | — |   |   |   | — |   |   |   | — |   |   |   | 2,390 |   |   |   | 13,029 |   |   |   | — |   |   |   | — |   |
| Noninterest income                              |   |                            | — |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | 408 |   |
| Total                                           |   | $                               | 9,707   |   |   | $ | (5,976 | ) |   | $ | — |   |   | $ | (3,606 | ) |   | $ | (40,039 | ) |   | $ | — |   |   | $ | 408 |   |

----

|                                            |   | Level 3 Fair Value Measurements |    |
|-------------------------------------------------|--------|---------------------------------|---------|
|                                            |   | Year ended December 31, 2008    |    |
|                                            |   |                            |    |   |   |   |   |   |   | Available-for-sale securities |   |   |   |   |   |   |   |   |   |
|                                            |   |                            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   | Asset- |   |   |   |   |   |   |   |   |   |
|                                            |   |                            |    |   |   | Derivative |   |   | Municipal |   |   | Private |   |   | backed |   |   | Automoblie |   |   | Equity |   |
| (dollar amounts in thousands)                   |   | MSRs                            |    |   | instruments |   |   | securities |   |   | label CMO |   |   | securities |   |   | loans |   |   | investments |   |
| Classification of gains and losses in earnings: |   |                            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                            |   |                            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Mortgage banking income (loss)                  |   | $                               | (40,769 | ) |   | $ | 8,683 |   |   | $ | — |   |   | $ | — |   |   | $ | — |   |   | $ | — |   |   | $ | — |   |
| Securities gains (losses)                       |   |                            | — |   |   |   | — |   |   |   | — |   |   |   | (5,728 | ) |   |   | (196,893 | ) |   |   | — |   |   |   | — |   |
| Interest and fee income                         |   |                            | — |   |   |   | — |   |   |   | — |   |   |   | 2,293 |   |   |   | 1,516 |   |   |   | — |   |   |   | — |   |
| Noninterest income                              |   |                            | — |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | (9,242 | ) |
| Total                                           |   | $                               | (40,769 | ) |   | $ | 8,683 |   |   | $ | — |   |   | $ | (3,435 | ) |   | $ | (195,377 | ) |   | $ | — |   |   | $ | (9,242 | ) |

|                            |   |         |   |   | Fair Value Measurements Using |   |    |        |   |
|---------------------------------|--------|--------------|--------|--------|-------------------------------|--------|---------|-------------|--------|
|                            |   |         |   |   | Quoted Prices                 |   |    | Significant |   |   | Significant |   |   |   |   |
|                            |   |         |   |   | In Active                     |   |    | Other       |   |   | Other |   |   |   |   |
|                            |   |         |   |   | Markets for                   |   |    | Observable  |   |   | Unobservable |   |   | Total |   |
|                            |   | Year Ended   |   |   | Identical Assets              |   |    | Inputs      |   |   | Inputs |   |   | Gains/ |   |
| (dollar amounts in millions)    |   | December 31, |   |   | (Level 1)                     |   |    | (Level 2)   |   | (Level 3) |   | (Losses) |   |
| 2010                       |   |         |   |   |                          |   |    |        |   |   |   |   |   |   |   |
| Impaired loans                  |   | $            | 80.4   |   |                          | $      | — |        |   | $ | — |   |   | $ | 80.4 |   |   | $ | (39.6 | ) |
| Accrued income and other assets |   |         | 66.8   |   |                          |   | — |        |   |   | — |   |   |   | 66.8 |   |   | $ | (6.9 | ) |

----

|                             |   | December 31, 2010 |        |   | December 31, 2009 |   |
|---------------------------------------|--------|-------------------|-------------|--------|-------------------|--------|
|                                  |   | Carrying          |        |   | Fair              |   |   | Carrying |   |   | Fair |   |
| (dollar amounts in thousands)         |   | Amount            |        |   | Value             |   |   | Amount |   |   | Value |   |
|                             |   |              |        |   |              |   |   |   |   |   |   |   |
| Financial Assets:                     |   |              |        |   |              |   |   |   |   |   |   |   |
| Cash and short-term assets            |   | $                 | 982,926     |   |              | $      | 982,926 |   |   | $ | 1,840,719 |   |   | $ | 1,840,719 |   |
| Trading account securities            |   |              | 185,404     |   |              |   | 185,404 |   |   |   | 83,657 |   |   |   | 83,657 |   |
| Loans held for sale                   |   |              | 793,285     |   |              |   | 793,285 |   |   |   | 461,647 |   |   |   | 461,647 |   |
| Investment securities                 |   |              | 9,895,244   |   |              |   | 9,895,244 |   |   |   | 8,587,914 |   |   |   | 8,587,914 |   |
| Net loans and direct financing leases |   |              | 36,857,499  |   |              |   | 35,403,910 |   |   |   | 35,308,184 |   |   |   | 32,598,423 |   |
| Derivatives                           |   |              | 346,133     |   |              |   | 346,133 |   |   |   | 287,756 |   |   |   | 287,756 |   |
|                                  |   |              |        |   |              |   |   |   |   |   |   |   |   |   |   |   |
| Financial Liabilities:                |   |              |        |   |              |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                              |   |              | (41,853,898 | )      |              |   | (41,993,567 | ) |   |   | (40,493,927 | ) |   |   | (40,753,365 | ) |
| Short-term borrowings                 |   |              | (2,040,732  | )      |              |   | (1,982,545 | ) |   |   | (876,241 | ) |   |   | (857,254 | ) |
| Federal Home Loan Bank advances       |   |              | (172,519    | )      |              |   | (172,519 | ) |   |   | (168,977 | ) |   |   | (168,977 | ) |
| Other long term debt                  |   |              | (2,144,092  | )      |              |   | (2,157,358 | ) |   |   | (2,369,491 | ) |   |   | (2,332,300 | ) |
| Subordinated notes                    |   |              | (1,497,216  | )      |              |   | (1,377,851 | ) |   |   | (1,264,202 | ) |   |   | (989,989 | ) |
| Derivatives                           |   |              | (239,240    | )      |              |   | (239,240 | ) |   |   | (238,947 | ) |   |   | (238,947 | ) |

----

|                                 |   | Fair Value |      |   | Cash Flow |   |      |   |   |
|-------------------------------------------|--------|------------|-----------|--------|-----------|--------|-----------|--------|--------|
| (dollar amounts in thousands)             |   | Hedges     |      |   | Hedges    |   |      | Total  |   |
| Instruments associated with:              |   |       |      |   |      |   |      |   |   |
| Loans                                     |   | $          | —   |   |      | $      | 9,235,000 |   |   | $ | 9,235,000 |   |
| Deposits                                  |   |       | 1,830,264 |   |      |   | —   |   |   |   | 1,830,264 |   |
| Subordinated notes                        |   |       | 598,000   |   |      |   | —   |   |   |   | 598,000 |   |
| Other long-term debt                      |   |       | 35,000    |   |      |   | —   |   |   |   | 35,000 |   |
| Total notional value at December 31, 2010 |   | $          | 2,463,264 |   |      | $      | 9,235,000 |   |   | $ | 11,698,264 |   |

|                                                 |   |     |       |   | Average  |   |   |   |   |   | Weighted-Average |   |
|------------------------------------------------------|--------|----------|------------|--------|----------|--------|--------|--------|--------|--------|------------------|--------|
|                                                 |   | Notional |       |   | Maturity |   |   | Fair   |   |   | Rate             |   |
| (dollar amounts in thousands )                       |   | Value    |       |   | (years)  |   |   | Value  |   |   | Receive          |   |   | Pay |   |
| Asset conversion swaps - receive fixed - generic     |   | $        | 9,235,000  |   |     |   | 1.8    |   |   | $      | 64,596           |   |   |   | 1.50 | % |   |   | 0.62 | % |
| Liability conversion swaps - receive fixed - generic |   |     | 2,463,264  |   |     |   | 3.2    |   |   |   | 62,750           |   |   |   | 2.02 |   |   |   | 0.32 |   |
| Total swap portfolio                                 |   | $        | 11,698,264 |   |     |   | 2.1    |   |   | $      | 127,346          |   |   |   | 1.61 | % |   |   | 0.56 | % |

----

| Asset derivatives included in accrued income and other assets            |   |
|--------------------------------------------------------------------------|--------|
|                                                                     |   | December 31, |   |
| (dollar amounts in thousands)                                            |   | 2010 |   |   | 2009 |   |
| Interest rate contracts designated as hedging instruments                |   | $ | 127,346 |   |   | $ | 85,984 |   |
| Interest rate contracts not designated as hedging instruments            |   |   | 263,015 |   |   |   | 255,692 |   |
| Foreign exchange contracts not designated as hedging instruments         |   |   | 2,845 |   |   |   | — |   |
| Total contracts                                                          |   | $ | 393,206 |   |   | $ | 341,676 |   |
|                                                                     |   |   |   |   |   |   |   |   |
| Liability derivatives included in accrued expenses and other liabilities |   |
|                                                                     |   | December 31, |   |
| (dollar amounts in thousands)                                            |   |   | 2010 |   |   |   | 2009 |   |
| Interest rate contracts designated as hedging instruments                |   | $ | — |   |   | $ | 3,464 |   |
| Interest rate contracts not designated as hedging instruments            |   |   | 233,805 |   |   |   | 234,026 |   |
| Foreign exchange contracts not designated as hedging instruments         |   |   | 3,107 |   |   |   | — |   |
| Total contracts                                                          |   | $ | 236,912 |   |   | $ | 237,490 |   |

|                                                                         |   | Year ended December 31, |    |
|------------------------------------------------------------------------------|--------|-------------------------|---------|
| (dollar amounts in thousands)                                                |   | 2010                    |    |   | 2009 |   |   | 2008 |   |
| Interest rate contracts                                                      |   |                    |    |   |   |   |   |   |   |
| Change in fair value of interest rate swaps hedging deposits (1)             |   | $                       | 6,108   |   |   | $ | 1,430 |   |   | $ | 4,941 |   |
| Change in fair value of hedged deposits (1)                                  |   |                    | (6,744  | ) |   |   | 9,417 |   |   |   | (5,215 | ) |
| Change in fair value of interest rate swaps hedging subordinated notes (2)   |   |                    | 19,319  |   |   |   | (99,913 | ) |   |   | 113,083 |   |
| Change in fair value of hedged subordinated notes (2)                        |   |                    | (19,319 | ) |   |   | 99,913 |   |   |   | (113,083 | ) |
| Change in fair value of interest rate swaps hedging other long-term debt (2) |   |                    | 1,847   |   |   |   | (6,201 | ) |   |   | 9,859 |   |
| Change in fair value of hedged other long-term debt (2)                      |   |                    | (1,847  | ) |   |   | 6,201 |   |   |   | (9,859 | ) |

----

| Derivatives in cashflow hedgingrelationships |   | Amount of gain or (loss)recognized in OCI onderivatives (effective portion) |    | Location of gain or (loss)reclassified from accumulatedOCI into earnings (effectiveportion) |   | Amount of gain or (loss)reclassified from accumulatedOCI into earnings (effectiveportion) |    |
|-------------------------------------------------------------|--------|--------------------------------------------------------------------------------------------------------------------------|---------|------------------------------------------------------------------------------------------------------------------------------------------|--------|----------------------------------------------------------------------------------------------------------------------------------------|---------|
| (dollar amounts in thousands)                               |   | 2010                                                                                                                     |    |                                                                                                                                     | 2009   |                                                                                                                                   |    | 2008 |   |   |   | 2010 |   |   | 2009 |   |   | 2008 |   |
| Interest rate contracts                                     |   |                                                                                                                     |    |                                                                                                                                     |   |                                                                                                                                   |    |   |   |   |   |   |   |   |   |   |   |   |   |
| Loans                                                       |   | $                                                                                                                        | 51,943  |                                                                                                                                     |   | $                                                                                                                                      | (68,365 | ) |   | $ | 54,887 |   | Interest and fee income - loans   and leases |   | $ | (116,881 | ) |   | $ | 117,669 |   |   | $ | (9,207 | ) |
| FHLB Advances                                               |   |                                                                                                                     | — |                                                                                                                                     |   |                                                                                                                                   | 1,338   |   |   |   | 2,394 |   | Interest expense - FHLB Advances |   |   | 2,580 |   |   |   | 6,890 |   |   |   | (12,490 | ) |
| Deposits                                                    |   |                                                                                                                     | — |                                                                                                                                     |   |                                                                                                                                   | 326     |   |   |   | 2,842 |   | Interest expense - deposits |   |   | — |   |   |   | 4,153 |   |   |   | (4,169 | ) |
| Subordinated notes                                          |   |                                                                                                                     | — |                                                                                                                                     |   |                                                                                                                                   | 101     |   |   |   | (101 | ) | Interest expense - subordinated notes and other long-term debt |   |   | (1,391 | ) |   |   | (2,717 | ) |   |   | (4,408 | ) |
| Other long-term debt                                        |   |                                                                                                                     | — |                                                                                                                                     |   |                                                                                                                                   | — |   |   |   | 239 |   | Interest expense - subordinated notes and other long-term debt |   |   | — |   |   |   | (899 | ) |   |   | (865 | ) |
| Total                                                       |   | $                                                                                                                        | 51,943  |                                                                                                                                     |   | $                                                                                                                                      | (66,600 | ) |   | $ | 60,261 |   |   |   | $ | (115,692 | ) |   | $ | 125,096 |   |   | $ | (31,139 | ) |

|                                           |   | December 31,        |
|------------------------------------------------|--------|---------------------|
| (dollar amounts in thousands)                  |   | 2010           |   |   | 2009  |   | 2008  |
| Derivatives in cash flow hedging relationships |   |                |   |   |   |   |   |
| Interest rate contracts                        |   |                |   |   |   |   |   |
| Loans                                          |   |  947      |   |   |  16,638  |   |  3,821  |
| FHLB Deposits                                  |   |  —  |   |   |  (792) |   |  783  |

----

|                             |   | At December 31, |   |
|----------------------------------|--------|-----------------|--------|
| (dollar amounts in thousands)    |   | 2010            |   |   | 2009 |   |
|                             |   |            |   |   |   |   |
| Derivative assets:               |   |            |   |   |   |   |
| Interest rate lock agreements    |   | $               | 2,817  |   |   | $ | 995 |   |
| Forward trades and options       |   |            | 20,669 |   |   |   | 7,711 |   |
| Total derivative assets          |   |            | 23,486 |   |   |   | 8,706 |   |
|                             |   |            |   |   |   |   |   |   |
| Derivative liabilities:          |   |            |   |   |   |   |   |   |
| Interest rate lock agreements    |   |            | (1,445 | ) |   |   | (1,338 | ) |
| Forward trades and options       |   |            | (883   | ) |   |   | (119 | ) |
| Total derivative liabilities     |   |            | (2,328 | ) |   |   | (1,457 | ) |
| Net derivative asset (liability) |   | $               | 21,158 |   |   | $ | 7,249 |   |

|                              |   | December 31, 2010 |    |
|----------------------------------------|--------|-------------------|---------|
|                                   |   | Franklin          |    |   | 2009 |   |   | 2008 |   |   | 2006 |   |   |   |   |
| (dollar amounts in thousands)          |   | 2009 Trust        |    |   | Trust |   |   | Trust |   |   | Trust |   |   | Total |   |
| Assets                                 |   |              |    |   |   |   |   |   |   |   |   |   |   |   |   |
| Cash                                   |   | $                 | — |   |   | $ | 24,513 |   |   | $ | 19,921 |   |   | $ | 64,827 |   |   | $ | 109,261 |   |
| Loans and leases                       |   |              | — |   |   |   | 522,717 |   |   |   | 295,464 |   |   |   | 1,196,024 |   |   |   | 2,014,205 |   |
| Allowance for loan and lease losses    |   |              | — |   |   |   | — |   |   |   | (2,541 | ) |   |   | (10,286 | ) |   |   | (12,827 | ) |
| Net loans and leases                   |   |              | — |   |   |   | 522,717 |   |   |   | 292,923 |   |   |   | 1,185,738 |   |   |   | 2,001,378 |   |
| Accrued income and other assets        |   |              | 20,447  |   |   |   | 2,510 |   |   |   | 1,436 |   |   |   | 5,131 |   |   |   | 29,524 |   |
| Total assets                           |   | $                 | 20,447  |   |   | $ | 549,740 |   |   | $ | 314,280 |   |   | $ | 1,255,696 |   |   | $ | 2,140,163 |   |
|                                   |   |              |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Liabilities                            |   |              |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Other long-term debt                   |   | $                 | — |   |   | $ | 356,089 |   |   | $ | 151,937 |   |   | $ | 877,270 |   |   | $ | 1,385,296 |   |
| Accrued interest and other liabilities |   |              | 7,431   |   |   |   | 693 |   |   |   | 308 |   |   |   | 224 |   |   |   | 8,656 |   |
| Total liabilities                      |   | $                 | 7,431   |   |   | $ | 356,782 |   |   | $ | 152,245 |   |   | $ | 877,494 |   |   | $ | 1,393,952 |   |

----

|                                         |   |   |   |   | Principal amount of                     |   |    | Investment in  |   |
|----------------------------------------------|--------|--------|--------|--------|---------------------------------------------------|--------|---------|---------------------|--------|
|                                         |   |   |   |   | subordinated note/                           |   |    | unconsolidated      |   |
| (dollar amounts in thousands) |   | Rate   |   |   | debenture issued to trust (1) |   |    | subsidiary (2) |   |
| Huntington Capital I                         |   |   | 0.99   | (3)    |                                              | $      | 138,816 |                |   | $ | 6,186 |   |
| Huntington Capital II                        |   |   | 0.93   | (4)    |                                              |   | 60,093  |                |   |   | 3,093 |   |
| Huntington Capital III                       |   |   | 6.69   |   |                                              |   | 114,072 |                |   |   | 10 |   |
| BancFirst Ohio Trust Preferred               |   |   | 8.54   |   |                                              |   | 23,248  |                |   |   | 619 |   |
| Sky Financial Capital Trust I                |   |   | 8.52   |   |                                              |   | 64,474  |                |   |   | 1,856 |   |
| Sky Financial Capital Trust II               |   |   | 3.52   | (5)    |                                              |   | 30,929  |                |   |   | 929 |   |
| Sky Financial Capital Trust III              |   |   | 1.28   | (6)    |                                              |   | 77,481  |                |   |   | 2,320 |   |
| Sky Financial Capital Trust IV               |   |   | 1.27   | (6)    |                                              |   | 77,482  |                |   |   | 2,320 |   |
| Prospect Trust I                             |   |   | 3.54   | (7)    |                                              |   | 6,186   |                |   |   | 186 |   |
| Total                                        |   |   |   |   |                                              | $      | 592,781 |                |   | $ | 17,519 |   |

----

|                                   |   | At December 31, |   |
|----------------------------------------|--------|-----------------|--------|
| (dollar amounts in millions)           |   | 2010            |   |   | 2009 |   |
|                                   |   |            |   |   |   |   |
| Contract amount represents credit risk |   |            |   |   |   |   |
| Commitments to extend credit           |   |            |   |   |   |   |
| Commercial                             |   | $               | 5,933  |   |   | $ | 5,834 |   |
| Consumer                               |   |            | 5,406  |   |   |   | 5,028 |   |
| Commercial real estate                 |   |            | 546    |   |   |   | 1,075 |   |
| Standby letters of credit              |   |            | 607    |   |   |   | 577 |   |

----

----

|                                   |   | Tier 1 |   |   | Total Risk-basedCapital |   |   | Tier 1 Leverage |   |
|---------------------------------------------|--------|-------------|--------|--------|------------------------------|--------|--------|---------------------------|--------|
| (dollar amounts in millions) |   | 2010        |   |   | 2009                         |   |   | 2010                      |   |   | 2009 |   |   | 2010 |   |   | 2009 |   |
|                                        |   |        |   |   |                         |   |   |                      |   |   |   |   |   |   |   |   |   |   |
| Huntington Bancshares Incorporated          |   |        |   |   |                         |   |   |                      |   |   |   |   |   |   |   |   |   |   |
| Amount                                      |   | $           | 5,022  |   |                         | $      | 5,201  |                      |   | $ | 6,285 |   |   | $ | 6,231 |   |   | $ | 5,022 |   |   | $ | 5,201 |   |
| Ratio                                       |   |        | 11.55  | %      |                         |   | 12.03  | %                         |   |   | 14.46 | % |   |   | 14.41 | % |   |   | 9.41 | % |   |   | 10.09 | % |
|                                        |   |        |   |   |                         |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| The Huntington National Bank                |   |        |   |   |                         |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Amount                                      |   | $           | 3,683  |   |                         | $      | 2,873  |                      |   | $ | 5,549 |   |   | $ | 4,780 |   |   | $ | 3,683 |   |   | $ | 2,873 |   |
| Ratio                                       |   |        | 8.51   | %      |                         |   | 6.66   | %                         |   |   | 12.82 | % |   |   | 11.08 | % |   |   | 6.97 | % |   |   | 5.59 | % |

----

| Balance Sheets                                             |   | December 31, |      |
|------------------------------------------------------------|--------|--------------|-----------|
| (dollar amounts in thousands)                              |   | 2010         |      |   | 2009 |   |
| Assets                                                     |   |         |      |   |   |   |
| Cash and cash equivalents  (1)                   |   | $            | 615,167   |   |   | $ | 1,376,539 |   |
| Due from The Huntington National Bank (2)                  |   |         | 954,565   |   |   |   | 955,695 |   |
| Due from non-bank subsidiaries                             |   |         | 225,560   |   |   |   | 273,317 |   |
| Investment in The Huntington National Bank                 |   |         | 3,515,597 |   |   |   | 2,821,181 |   |
| Investment in non-bank subsidiaries                        |   |         | 790,248   |   |   |   | 815,730 |   |
| Accrued interest receivable and other assets               |   |         | 110,181   |   |   |   | 112,557 |   |
| Total assets                                               |   | $            | 6,211,318 |   |   | $ | 6,355,019 |   |
|                                                       |   |         |      |   |   |   |   |   |
| Liabilities and shareholders' equity                       |   |         |      |   |   |   |   |   |
| Short-term borrowings                                      |   | $            | 100       |   |   | $ | 1,291 |   |
| Long-term borrowings                                       |   |         | 937,434   |   |   |   | 637,434 |   |
| Dividends payable, accrued expenses, and other liabilities |   |         | 293,242   |   |   |   | 380,292 |   |
| Total liabilities                                          |   |         | 1,230,776 |   |   |   | 1,019,017 |   |
| Shareholders' equity (3)                                   |   |         | 4,980,542 |   |   |   | 5,336,002 |   |
| Total liabilities and shareholders' equity                 |   | $            | 6,211,318 |   |   | $ | 6,355,019 |   |

| Statements of Income                                                              |   | Year Ended December 31, |    |
|-----------------------------------------------------------------------------------|--------|-------------------------|---------|
| (dollar amounts in thousands)                                                     |   | 2010                    |    |   | 2009 |   |   | 2008 |   |
| Income                                                                            |   |                    |    |   |   |   |   |   |   |
| Dividends from                                                                    |   |                    |    |   |   |   |   |   |   |
| The Huntington National Bank                                                      |   | $                       | — |   |   | $ | — |   |   | $ | 142,254 |   |
| Non-bank subsidiaries                                                             |   |                    | 33,000  |   |   |   | 70,600 |   |   |   | 69,645 |   |
| Interest from                                                                     |   |                    |    |   |   |   |   |   |   |   |   |   |
| The Huntington National Bank                                                      |   |                    | 82,749  |   |   |   | 51,620 |   |   |   | 19,749 |   |
| Non-bank subsidiaries                                                             |   |                    | 12,185  |   |   |   | 14,662 |   |   |   | 12,700 |   |
| Other                                                                             |   |                    | 2,987   |   |   |   | 68,352 |   |   |   | 108 |   |
| Total income                                                                      |   |                    | 130,921 |   |   |   | 205,234 |   |   |   | 244,456 |   |
|                                                                              |   |                    |    |   |   |   |   |   |   |   |   |   |
| Expense                                                                           |   |                    |    |   |   |   |   |   |   |   |   |   |
| Personnel costs                                                                   |   |                    | 30,334  |   |   |   | 21,206 |   |   |   | 24,398 |   |
| Interest on borrowings                                                            |   |                    | 23,765  |   |   |   | 29,357 |   |   |   | 44,890 |   |
| Other                                                                             |   |                    | 49,019  |   |   |   | 28,398 |   |   |   | 240 |   |
| Total expense                                                                     |   |                    | 103,118 |   |   |   | 78,961 |   |   |   | 69,528 |   |
|                                                                              |   |                    |    |   |   |   |   |   |   |   |   |   |
| Income before income taxes and equity in undistributed net income of subsidiaries |   |                    | 27,803  |   |   |   | 126,273 |   |   |   | 174,928 |   |
| Income taxes (benefit)                                                            |   |                    | 48,505  |   |   |   | 20,675 |   |   |   | (120,371 | ) |
| Income (loss) before equity in undistributed net income of subsidiaries           |   |                    | (20,702 | ) |   |   | 105,598 |   |   |   | 295,299 |   |
| Increase (decrease) in undistributed net income (loss) of:                        |   |                    |    |   |   |   |   |   |   |   |   |   |
| The Huntington National Bank                                                      |   |                    | 344,961 |   |   |   | (3,130,329 | ) |   |   | (98,863 | ) |
| Non-bank subsidiaries                                                             |   |                    | (11,912 | ) |   |   | (69,448 | ) |   |   | (310,242 | ) |
| Net income (loss)                                                                 |   | $                       | 312,347 |   |   | $ | (3,094,179 | ) |   | $ | (113,806 | ) |

----

| Statements of Cash Flows                                     |   | Year Ended December 31, |       |
|--------------------------------------------------------------|--------|-------------------------|------------|
| (dollar amounts in thousands)                                |   | 2010                    |       |   | 2009 |   |   | 2008 |   |
|                                                         |   |                    |       |   |   |   |   |   |   |
| Operating activities                                         |   |                    |       |   |   |   |   |   |   |
| Net income (loss)                                            |   | $                       | 312,347    |   |   | $ | (3,094,179 | ) |   | $ | (113,806 | ) |
| Adjustments to reconcile net income (loss) to net cash       |   |                    |       |   |   |   |   |   |   |   |   |   |
| provided by operating activities:                            |   |                    |       |   |   |   |   |   |   |   |   |   |
| Equity in undistributed net income (loss) of subsidiaries    |   |                    | (351,049   | ) |   |   | 3,199,777 |   |   |   | 266,851 |   |
| Depreciation and amortization                                |   |                    | 685        |   |   |   | 3,458 |   |   |   | 2,071 |   |
| Other, net                                                   |   |                    | (74,802    | ) |   |   | (103,464 | ) |   |   | 65,076 |   |
| Net cash (used for) provided by operating activities         |   |                    | (112,819   | ) |   |   | 5,592 |   |   |   | 220,192 |   |
|                                                         |   |                    |       |   |   |   |   |   |   |   |   |   |
| Investing activities                                         |   |                    |       |   |   |   |   |   |   |   |   |   |
| Repayments from subsidiaries                                 |   |                    | 129,081    |   |   |   | 393,041 |   |   |   | 540,308 |   |
| Advances to subsidiaries                                     |   |                    | (425,600   | ) |   |   | (1,017,892 | ) |   |   | (1,337,165 | ) |
| Net cash used for investing activities                       |   |                    | (296,519   | ) |   |   | (624,851 | ) |   |   | (796,857 | ) |
|                                                         |   |                    |       |   |   |   |   |   |   |   |   |   |
| Financing activities                                         |   |                    |       |   |   |   |   |   |   |   |   |   |
| Proceeds from issuance of long-term borrowings               |   |                    | 297,375    |   |   |   | — |   |   |   | — |   |
| Payment of borrowings                                        |   |                    | (1,191     | ) |   |   | (99,417 | ) |   |   | (98,470 | ) |
| Dividends paid on preferred stock                            |   |                    | —    |   |   |   | (107,262 | ) |   |   | (23,242 | ) |
| Dividends paid on common stock                               |   |                    | (136,499   | ) |   |   | (55,026 | ) |   |   | (279,608 | ) |
| Proceeds from issuance of preferred stock                    |   |                    | —    |   |   |   | — |   |   |   | 1,947,625 |   |
| Payment to repurchase preferred stock                        |   |                    | (1,398,071 | ) |   |   |   |   |   |   |   |   |
| Proceeds from issuance of common stock                       |   |                    | 886,172    |   |   |   | 1,135,645 |   |   |   | — |   |
| Other, net                                                   |   |                    | 180        |   |   |   | (198 | ) |   |   | (1,073 | ) |
| Net cash provided by (used for) financing activities         |   |                    | (352,034   | ) |   |   | 873,742 |   |   |   | 1,545,232 |   |
| Change in cash and cash equivalents                          |   |                    | (761,372   | ) |   |   | 254,483 |   |   |   | 968,567 |   |
| Cash and cash equivalents at beginning of year               |   |                    | 1,376,539  |   |   |   | 1,122,056 |   |   |   | 153,489 |   |
| Cash and cash equivalents at end of year                     |   | $                       | 615,167    |   |   | $ | 1,376,539 |   |   | $ | 1,122,056 |   |
|                                                         |   |                    |       |   |   |   |   |   |   |   |   |   |
| Supplemental disclosure:                                     |   |                    |       |   |   |   |   |   |   |   |   |   |
| Interest paid                                                |   | $                       | 23,765     |   |   | $ | 29,357 |   |   | $ | 44,890 |   |
| Dividends in-kind received from The Huntington National Bank |   |                    | —    |   |   |   | — |   |   |   | 124,689 |   |

----

----

|                            |   | Retail & |    |   |       |   |     | Former   |   |   |       |      |   |   |      |   |       |   |    |         |   |
|--------------------------------------|--------|--------------|---------|--------|------------|--------|----------|----------|--------|--------|------------|-----------|--------|--------|-----------|--------|------------|--------|---------|--------------|--------|
| Income Statements                    |   | Business     |    |   |       |   |     | Regional |   |   |       |      |   |   |      |   | Treasury / |   |    | Huntington   |   |
| (dollar amounts in thousands)        |   | Banking      |    |   | Commercial |   |     | Banking  |   |   | AFCRE      |      |   | WGH    |      |   | Other      |   |    | Consolidated |   |
|                                 |   |         |    |   |       |   |     |     |   |   |       |      |   |   |      |   |       |   |    |         |   |
| 2010                                 |   |         |    |   |       |   |     |     |   |   |       |      |   |   |      |   |       |   |    |         |   |
| Net interest income                  |   | $            | 867,069 |   |       | $      | 211,511  |     |   | $      | 1,078,580  |      |   | $      | 338,312   |   |       | $      | 169,201 |         |   | $ | 32,712 |   |   | $ | 1,618,805 |   |
| Provision for credit losses          |   |         | 157,994 |   |       |   | 104,705  |     |   |   | 262,699    |      |   |   | 184,757   |   |       |   | 95,586  |         |   |   | 91,505 |   |   |   | 634,547 |   |
| NonInterest income                   |   |         | 394,705 |   |       |   | 111,237  |     |   |   | 505,942    |      |   |   | 73,933    |   |       |   | 338,633 |         |   |   | 123,350 |   |   |   | 1,041,858 |   |
| NonInterest expense                  |   |         | 902,186 |   |       |   | 158,871  |     |   |   | 1,061,057  |      |   |   | 155,963   |   |       |   | 358,707 |         |   |   | 98,078 |   |   |   | 1,673,805 |   |
| Provision (benefit) for income taxes |   |         | 70,558  |   |       |   | 20,710   |     |   |   | 91,268     |      |   |   | 25,033    |   |       |   | 18,740  |         |   |   | (95,077 | ) |   |   | 39,964 |   |
| Operating/reported net income        |   | $            | 131,036 |   |       | $      | 38,462   |     |   | $      | 169,498    |      |   | $      | 46,492    |   |       | $      | 34,801  |         |   | $ | 61,556 |   |   | $ | 312,347 |   |
|                                 |   |         |    |   |       |   |     |     |   |   |       |      |   |   |      |   |       |   |    |         |   |   |   |   |   |   |   |   |
| 2009                                 |   |         |    |   |       |   |     |     |   |   |       |      |   |   |      |   |       |   |    |         |   |   |   |   |   |   |   |   |
| Net interest income                  |   | $            | 810,658 |   |       | $      | 190,955  |     |   | $      | 1,001,613  |      |   | $      | 277,450   |   |       | $      | 164,335 |         |   | $ | (19,111 | ) |   | $ | 1,424,287 |   |
| Provision for credit losses          |   |         | 470,152 |   |       |   | 393,984  |     |   |   | 864,136    |      |   |   | 1,096,030 |   |       |   | 128,551 |         |   |   | (14,046 | ) |   |   | 2,074,671 |   |
| Noninterest income                   |   |         | 415,471 |   |       |   | 95,705   |     |   |   | 511,176    |      |   |   | 63,929    |   |       |   | 267,695 |         |   |   | 162,844 |   |   |   | 1,005,644 |   |
| Noninterest expense,                 |   |         |    |   |       |   |     |     |   |   |       |      |   |   |      |   |       |   |    |         |   |   |   |   |   |   |   |   |
| excluding goodwill impairment        |   |         | 796,714 |   |       |   | 136,885  |     |   |   | 933,599    |      |   |   | 150,200   |   |       |   | 300,799 |         |   |   | 41,901 |   |   |   | 1,426,499 |   |
| Goodwill impairment                  |   |         |    |   |       |   |     |     |   |   | 2,573,818  | (1)  |   |   |      |   |       |   |    |         |   |   | 33,126 |   |   |   | 2,606,944 |   |
| Provision (benefit) for income taxes |   |         | (14,258 | )      |       |   | (85,473  | )        |   |   | (99,731    | )         |   |   | (316,697  | )      |       |   | 937     |         |   |   | (168,513 | ) |   |   | (584,004 | ) |
| Operating/reported net income (loss) |   | $            | (26,479 | )      |       | $      | (158,736 | )        |   | $      | (2,759,033 | )         |   | $      | (588,154  | )      |       | $      | 1,743   |         |   | $ | 251,265 |   |   | $ | (3,094,179 | ) |
|                                 |   |         |    |   |       |   |     |     |   |   |       |      |   |   |      |   |       |   |    |         |   |   |   |   |   |   |   |   |
| 2008                                 |   |         |    |   |       |   |     |     |   |   |       |      |   |   |      |   |       |   |    |         |   |   |   |   |   |   |   |   |
| Net interest income                  |   | $            | 859,477 |   |       | $      | 279,014  |     |   | $      | 1,138,491  |      |   | $      | 352,328   |   |       | $      | 189,191 |         |   | $ | (148,319 | ) |   | $ | 1,531,691 |   |
| Provision for credit losses          |   |         | 196,224 |   |       |   | 102,587  |     |   |   | 298,811    |      |   |   | 284,691   |   |       |   | 35,960  |         |   |   | 438,001 |   |   |   | 1,057,463 |   |
| Noninterest income                   |   |         | 409,151 |   |       |   | 102,929  |     |   |   | 512,080    |      |   |   | 64,114    |   |       |   | 186,682 |         |   |   | (55,738 | ) |   |   | 707,138 |   |
| Noninterest expense                  |   |         | 675,720 |   |       |   | 155,798  |     |   |   | 831,518    |      |   |   | 153,533   |   |       |   | 273,769 |         |   |   | 218,554 |   |   |   | 1,477,374 |   |
| Provision (benefit) for income taxes |   |         | 138,840 |   |       |   | 43,245   |     |   |   | 182,085    |      |   |   | (7,624    | )      |       |   | 23,150  |         |   |   | (379,813 | ) |   |   | (182,202 | ) |
| Operating/reported net income (loss) |   | $            | 257,844 |   |       | $      | 80,313   |     |   | $      | 338,157    |      |   | $      | (14,158   | )      |       | $      | 42,994  |         |   | $ | (480,799 | ) |   | $ | (113,806 | ) |

----

|                         |   | Assets at    |   |   | Deposits at  |   |
|------------------------------|--------|--------------|--------|--------|--------------|--------|
|                         |   | December 31, |   |   | December 31, |   |
| (dollar amounts in millions) |   | 2010         |   |   | 2009         |   |   | 2010 |   |   | 2009 |   |
|                         |   |         |   |   |         |   |   |   |   |   |   |   |
| Retail and Business Banking  |   | $            | 13,088 |   |         | $      | 12,972 |   |   | $ | 29,298 |   |   | $ | 28,512 |   |
| Commercial Banking           |   |         | 8,720  |   |         |   | 8,214 |   |   |   | 3,538 |   |   |   | 3,056 |   |
| AFCRE                        |   |         | 13,233 |   |         |   | 12,361 |   |   |   | 753 |   |   |   | 618 |   |
| WGH                          |   |         | 6,971  |   |         |   | 6,125 |   |   |   | 7,449 |   |   |   | 6,749 |   |
| Treasury / Other             |   |         | 11,808 |   |         |   | 11,883 |   |   |   | 816 |   |   |   | 1,559 |   |
| Total                        |   | $            | 53,820 |   |         | $      | 51,555 |   |   | $ | 41,854 |   |   | $ | 40,494 |   |

----

|                                                 |   | 2010   |    |
|------------------------------------------------------|--------|--------|---------|
| (dollar amounts in thousands, except per share data) |   | Fourth |    |   | Third |   |   | Second |   |   | First |   |
|                                                 |   |   |    |   |   |   |   |   |   |   |   |   |
|  Interest income                                |   | $      | 528,291 |   |   | $ | 534,669 |   |   | $ | 535,653 |   |   | $ | 546,779 |   |
|  Interest expense                               |   |   | 112,997 |   |   |   | 124,707 |   |   |   | 135,997 |   |   |   | 152,886 |   |
| Net interest income                                  |   |   | 415,294 |   |   |   | 409,962 |   |   |   | 399,656 |   |   |   | 393,893 |   |
| Provision for credit losses                          |   |   | 86,973  |   |   |   | 119,160 |   |   |   | 193,406 |   |   |   | 235,008 |   |
| Noninterest income                                   |   |   | 264,220 |   |   |   | 267,143 |   |   |   | 269,643 |   |   |   | 240,852 |   |
| Noninterest expense                                  |   |   | 434,593 |   |   |   | 427,309 |   |   |   | 413,810 |   |   |   | 398,093 |   |
| Income before income taxes                           |   |   | 157,948 |   |   |   | 130,636 |   |   |   | 62,083 |   |   |   | 1,644 |   |
| Provision (benefit) for income taxes                 |   |   | 35,048  |   |   |   | 29,690 |   |   |   | 13,319 |   |   |   | (38,093 | ) |
| Net income                                           |   |   | 122,900 |   |   |   | 100,946 |   |   |   | 48,764 |   |   |   | 39,737 |   |
| Dividends on preferred shares                        |   |   | 83,754  |   |   |   | 29,495 |   |   |   | 29,426 |   |   |   | 29,357 |   |
| Net income applicable to common shares               |   | $      | 39,146  |   |   | $ | 71,451 |   |   | $ | 19,338 |   |   | $ | 10,380 |   |
|                                                 |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net income per common share — Basic            |   | $      | 0.05    |   |   | $ | 0.10 |   |   | $ | 0.03 |   |   | $ | 0.01 |   |
| Net income per common share — Diluted          |   |   | 0.05    |   |   |   | 0.10 |   |   |   | 0.03 |   |   |   | 0.01 |   |

|                                                 |   | 2009   |     |
|------------------------------------------------------|--------|--------|----------|
| (dollar amounts in thousands, except per share data) |   | Fourth |     |   | Third |   |   | Second |   |   | First |   |
|                                                 |   |   |     |   |   |   |   |   |   |   |   |   |
|  Interest income                                |   | $      | 551,335  |   |   | $ | 553,846 |   |   | $ | 563,004 |   |   | $ | 569,957 |   |
|  Interest expense                               |   |   | 177,271  |   |   |   | 191,027 |   |   |   | 213,105 |   |   |   | 232,452 |   |
| Net interest income                                  |   |   | 374,064  |   |   |   | 362,819 |   |   |   | 349,899 |   |   |   | 337,505 |   |
| Provision for credit losses                          |   |   | 893,991  |   |   |   | 475,136 |   |   |   | 413,707 |   |   |   | 291,837 |   |
| Noninterest income                                   |   |   | 244,546  |   |   |   | 256,052 |   |   |   | 265,945 |   |   |   | 239,102 |   |
| Noninterest expense                                  |   |   | 322,596  |   |   |   | 401,097 |   |   |   | 339,982 |   |   |   | 2,969,769 |   |
| Loss before income taxes                             |   |   | (597,977 | ) |   |   | (257,362 | ) |   |   | (137,845 | ) |   |   | (2,684,999 | ) |
| Benefit for income taxes                             |   |   | 228,290  |   |   |   | 91,172 |   |   |   | 12,750 |   |   |   | 251,792 |   |
| Net loss                                             |   |   | (369,687 | ) |   |   | (166,190 | ) |   |   | (125,095 | ) |   |   | (2,433,207 | ) |
| Dividends declared on preferred shares               |   |   | 29,289   |   |   |   | 29,223 |   |   |   | 57,451 |   |   |   | 58,793 |   |
| Net loss applicable to common shares                 |   | $      | (398,976 | ) |   | $ | (195,413 | ) |   | $ | (182,546 | ) |   | $ | (2,492,000 | ) |
|                                                 |   |   |     |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net loss per common share — Basic              |   | $      | (0.56    | ) |   | $ | (0.33 | ) |   | $ | (0.40 | ) |   | $ | (6.79 | ) |
| Net loss per common share — Diluted            |   |   | (0.56    | ) |   |   | (0.33 | ) |   |   | (0.40 | ) |   |   | (6.79 | ) |

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