Document:

Huntington Supplemental Retirement Income Plan, as amended and restated

 Exhibit 10.3 

HUNTINGTON SUPPLEMENTAL RETIREMENT INCOME PLAN 

(Restated Effective December 31, 2013) 

The Huntington Bancshares Supplemental Retirement Income Plan was adopted effective January 1, 1994, restated effective January 1,
2000, and amended and restated again effective January 1, 2008, solely for the purpose of providing supplemental benefits to certain highly compensated employees whose benefits under the Huntington Bancshares Retirement Plan (the
“Qualified Plan”) are affected by the limits imposed on tax-qualified plans under the Code, or by limits imposed under the Qualified Plan. This Supplemental Retirement Income Plan is an unfunded “top hat plan” maintained
primarily to provide deferred compensation benefits for a select group of “management or highly-compensated employees” within the meaning of Sections 201, 301 and 401 of ERISA, and therefore is exempt from the provisions of Parts 2, 3 and
4 of Title I of the Employee Retirement Income Security Act of 1974 (ERISA). 
 Huntington Bancshares Incorporated maintains the Plan for
the benefit of Eligible Employees of Huntington Bancshares Incorporated and its Related Employers subject to the terms and conditions set forth in this Plan document. Effective December 31, 2013, the Plan is amended and restated again to freeze
the Plan and provide a supplemental death benefit to non-spouse Beneficiaries designated by Participants who are actively employed on or after January 1, 2014, consistent with the Beneficiary provisions
of the Qualified Plan. 
 ARTICLE I 

Definitions 
 Unless the
context provides otherwise, capitalized terms in the Plan generally shall have the definitions set forth in this Article I. If a term is treated as a defined term in this Plan and is not specifically defined in this Article, the term shall have the
meaning given it by Article I of the Qualified Plan. 
 Section 1.01. Beneficiary shall be determined as provided under
the Qualified Plan, unless a Participant makes an election to name other individuals as the Beneficiary under this Plan. 

Section 1.02. Code means the Internal Revenue Code of 1986, as amended from time to time, and any regulations relating
thereto. 
 Section 1.03. Company means Huntington Bancshares Incorporated. 

Section 1.04. Committee means the Investment and Administrative Committee appointed pursuant to Article XIII of the
Qualified Plan. 
 Section 1.05. Compensation 

(a) Compensation (effective for compensation earned prior to January 1, 2000) means the monthly equivalent of the total cash remuneration
paid for services rendered to an Employer during the calendar year excluding overtime pay, bonuses, incentive compensation, stock options, disability payments, contributions to any public or private benefit plan and other forms of irregular
payments, pensions or other deferred compensation. Where payments not for services such as payments for travel or expenses, are not separately stated, the Company may determine and make appropriate reduction for such payments. Compensation shall
include any salary reduction or salary deferral amounts pursuant to plans sponsors by the Employer under Sections 125 and 401(k) of the Code. 

In respect to an Employee who transferred directly into the employ of an Employer from a Related Employer, applicable earnings for services
rendered to the Related Employer shall be treated as Compensation from his Employer for purposes of this Plan to the extent these earnings are also being treated as Compensation from his Employer for purposes of the Qualified Plan. 

 (b) Compensation (effective for Compensation earned after December 31, 1999) means the
monthly equivalent of all wages, salaries, fees for professional service and other amounts (whether or not paid in cash) for personal services actually rendered in the course of employment with an Employer (as adjusted by this Section), but only to
the extent includible in gross income. This definition of Compensation is modified by the following additions and exclusions. The definition includes 50% (fifty percent) of overtime pay, bonuses, and incentive or commission compensation paid
pursuant to incentive plans with one year or less measurement periods. Compensation includes periodic payments pursuant to the Huntington Transition Pay Plan paid with respect to reductions in force that were communicated to affected associates
prior to June 15, 2006 pursuant to the Huntington Transition Pay Plan, amounts deferred pursuant to plans sponsored by the Employer under Sections 125 and 401(k) of the Code and compensation deferred pursuant to the Huntington Supplemental
Stock Purchase and Tax Savings Plan. Compensation includes 50% (fifty percent) of amounts deferred under plans providing for the deferral of bonuses paid pursuant to a plan with a one year or less measurement period. This definition of Compensation
does not include severance pay, incentive or commission compensation paid pursuant to incentive plans with longer than one year measurement periods, deferred compensation except compensation deferred pursuant to the Huntington Investment and Tax
Savings Plan, the Huntington Supplemental Stock Purchase and Tax Savings Plan, a cafeteria plan pursuant to Section 125 of the Code and 50% (fifty percent) of amounts deferred by plans providing for the deferral of bonuses paid pursuant to a
plan with a one year or less measurement period, payments pursuant to welfare benefit plans, noncash compensation income imputed for tax purposes only, reimbursements or other expense allowances, signing bonuses and similar payments, compensation
attributable to the grant or exercise of stock options of any kind, contributions to any public or private benefit plan and other forms of irregular payments, pensions or other forms of deferred compensation. This definition of Compensation only
applies to Compensation earned after December 31, 1999. 
 In respect to an Employee who transferred directly into the employ of an
Employer from a Related Employer, applicable earnings for services rendered to the Related Employer shall be treated as Compensation from his Employer for purposes of this Plan to the extent these earnings are also being treated as Compensation from
his Employer for purposes of the Qualified Plan. 
 (c) Notwithstanding any provision of this Plan to the contrary, compensation earned by a
Participant after the Plan freeze date of December 31, 2013, shall be disregarded. 
 Section 1.06. Compensation
Committee shall mean the Compensation Committee of the Company’s Board of Directors. 
 Section 1.07. Continuous
Service shall be determined as provided in the Qualified Plan. In connection with the freeze of the accrual of Supplemental Retirement Benefits under this Plan as of December 31, 2013, Continuous Service shall continue to be earned on or
after such date for purposes of determining a Participant’s vesting and eligibility to receive a Supplemental Retirement Benefit as described in Article III. 

Section 1.08. Covered Compensation means the average of Social Security taxable wage bases for the 35-year period ending with the year of the individual’s Social Security retirement age (as defined in section 414(b)(8) of the Code). For purposes of this Section, Covered Compensation amounts shall be
determined and fixed on the earlier of (a) the date of a Participant’s separation from service, or (b) the freeze date of December 31, 2013, so that the Social Security wage base in such year will be projected until the
Participant’s Social Security normal retirement age. 
 Section 1.09. Credited Service shall be determined as
provided in the Qualified Plan. In connection with the freeze of the accrual of Supplemental Retirement Benefits under this Plan as of December 31, 2013, no Credited Service shall be earned by any Participant on or after such date. 

 Section 1.10. Deferred Vested Benefit shall have the meaning described under
Section 4.06 of the Qualified Plan; provided however, with respect to a Participant, who was a participant in a Predecessor Plan and whose Credited Service does not include service accrued under the Predecessor Plan, the term Deferred Vested
Benefit does not include the portion, if any, of such Participant’s Deferred Vested Benefit attributable to such Predecessor Plan. 

Section 1.11. Disability Benefit shall have the meaning described under Section 4.05 of the Qualified Plan; provided
however, with respect to a Participant, who was a participant in a Predecessor Plan and whose Credited Service does not include service accrued under the Predecessor Plan, the term Disability Benefit does not include the portion, if any, of such
Participant’s Disability Benefit attributable to such Predecessor Plan. 
 Section 1.12. Eligible Employee means any
Employee who satisfies all of the conditions enumerated below: 
 (a) The Employee must be a participant in the Qualified Plan; 

(b) The Employee’s Qualified Plan benefit exceeds the limitation of Internal Revenue Section 415(b) of the Code or the
Employee’s annual compensation as defined by the Qualified Plan exceeds the limits of Section 401(a)(17) of the Code; and 
 (c)
The Employee has been nominated by the Compensation Committee as an Eligible Employee because conditions (a) and (b) above have been satisfied. 

Additionally, Eligible Employees also include participants in the Qualified Plan whose Qualified Plan Retirement Benefit is reduced as a
result of deferrals made under the Huntington Bancshares Incorporated Executive Deferred Compensation Plan at the time the Qualified Plan Retirement Benefit is finally determined under the Qualified Plan. 

An Eligible Employee will continue to participate until his participation terminates in accordance with the provisions of this Plan or by
Action of the Compensation Committee of the Company’s Board of Directors. This Plan does not provide a minimum benefit and no payment may be due pursuant to Sections 1.19 and 1.20. 

The benefit (if any) of any Eligible Employee who was an Eligible Employee prior to January 1, 2000, who is not an Eligible Employee
thereafter shall be “frozen” effective December 31, 1999, and administered in accordance with principles applicable to Qualified Plan frozen benefits. The term “frozen” means an employee’s accrued benefit is determined
as if the employee actually terminated employment with the Company or a Related Employer on December 31, 1999, (or the date the employee actually terminated employment with the Company or a Related Employer, if earlier). 

Notwithstanding any provision of the Plan to the contrary, an Employee who is not a Participant in the Plan as of December 31, 2013,
shall not be able to become an Eligible Employee after such date. 
 Section 1.13. Final Average Compensation means a
Participant’s average monthly Compensation during the highest five (5) consecutive calendar years preceding (but not including) the year of Late, Normal or Early Retirement or other termination of employment, as applicable. 

If the Participant shall not have completed five (5) calendar years of Continuous Service, such average shall be based on his
Compensation averaged over such lesser period of Continuous Service. For a Participant who incurs an Approved Absence or who is rehired after a Break in Service with his prebreak service restored, the Plan Years and his Approved Absence or Break in
Service shall be considered consecutive Plan Years even though they were not contiguous. 
 Section 1.14. Participant
means any Eligible Employee entitled to a benefit under the Qualified Plan. 
 Section 1.15. Plan means the Huntington
Bancshares Supplemental Retirement Income Plan, as set forth herein or as hereafter amended. 

 Section 1.16. A Predecessor Plan means a plan which has merged into the
Qualified Plan. 
 Section 1.17. Preretirement Survivor’s Benefit means the death benefits described under Article
VI of the Qualified Plan; provided however, with respect to a Participant who was a participant in a Predecessor Plan and whose Credited Service does not include service accrued under the Predecessor Plan, the term Preretirement Survivor’s
Benefit does not include the portion, if any, of such Participant’s Preretirement Survivor’s Benefit attributable to such Predecessor Plan. 

Section 1.18. Qualified Plan means the Huntington Bancshares Retirement Plan as it may be amended and restated from time to
time. 
 Section 1.19. Qualified Plan Retirement Benefit means the Accrued Benefit payable to a Participant pursuant to
the Qualified Plan by reason of his termination of employment with the Company and all Related Employers for any reason; provided however, with respect to a Participant, who was a participant in a Predecessor Plan, and whose Credited Service does
not include service accrued under the Predecessor Plan, the term Qualified Plan Retirement Benefit does not include the portion, if any, of such Participant’s Qualified Plan Retirement Benefit attributable to such Predecessor Plan. 

Section 1.20. Supplemental Retirement Benefit. Supplemental Retirement Benefit means the benefit payable to a Participant
pursuant to Sections 3.01, 3.02, 3.03, 3.04 and 3.05 of this Plan by reason of the Participant’s termination of employment with the Company or a Related Employer for any reason. For the purpose of determining the Supplemental Retirement
Benefit, the following rule of construction shall apply: Benefits provided by the Huntington Supplemental Executive Retirement Plan executed February 18, 1986, and as further amended and restated, will be subtracted from the Supplemental
Retirement Benefit; benefits provided by the Huntington Supplemental Stock Purchase and Tax Savings Plan will not be subtracted from the Supplemental Retirement Benefit. 

Section 1.21. Supplemental Surviving Beneficiary Benefit. Supplemental Surviving Beneficiary Benefit means the benefit
payable pursuant to Section 4.01 to a Participant’s surviving Beneficiary. For the purpose of determining the Supplemental Surviving Beneficiary Benefit the following rule of construction shall apply: Benefits provided by the Huntington
Supplemental Executive Retirement Plan executed February 18, 1986, and as further amended and restated, will be subtracted from the Supplemental Surviving Beneficiary Benefit; benefits provided by the Huntington Supplemental Stock Purchase and
Tax Savings Plan will not be subtracted from the Supplemental Surviving Beneficiary Benefit. 
 ARTICLE II 

Participation 

Section 2.01. Eligibility. An Eligible Employee whose Qualified Plan Retirement Benefit is limited by reason of the
application of the limitations on benefits imposed by the application of Section 415 or 401(a)(17) of the Code, as in effect on the date of the participant’s separation from service, as defined in Section 409A(a)(2)(A)(i), shall be
eligible to receive a Supplemental Retirement Benefit. If an Eligible Employee described in the preceding sentence dies prior to the earlier of commencement of his Supplemental Retirement Benefit or his Qualified Plan Retirement Benefit and is
survived by a Beneficiary entitled to a Preretirement Survivor’s Benefit under the Qualified Plan, then such Beneficiary shall be eligible to receive a Supplemental Surviving Beneficiary Benefit. Notwithstanding the foregoing, all active
participation in this Plan shall cease as of December 31, 2013. 
 ARTICLE III 

Supplemental Retirement Benefit 

In connection with the freeze of the Plan as of December 31, 2013, Supplemental Retirement Benefits under this Plan shall cease to accrue
after such date. 

 Section 3.01. Normal Retirement Benefit Amount. The Supplemental Retirement
Benefit payable to a Participant retiring on his Normal Retirement Date shall be a monthly amount equal to the sum of Parts I and II reduced by the amount(s) described at Part III: 

PART I 
 Part I only applies to Credited Service
earned before July 1, 1999. 

			
		
	(a) (i)	 	For Participants born in or before 1937, one and one quarter percent (1.25%) of Final Average Compensation for each of the first twenty five (25) years of Credited Service plus one percent (1.0%) of Final Average
Compensation for each year of Credited Service in excess of twenty five (25), if any, up to a maximum of fifteen (15) additional years
		
		 	  
 PLUS

 

		
	     (ii)	 	three quarters of one percent (.75%) of Final Average Compensation in excess of Covered Compensation for each of the first twenty five (25) years of Credited Service.
		
		 	One and one quarter percent (1.25%) is increased to one and three tenths percent (1.30%) for Participants born in 1938-1954 and to one and thirty five hundredths percent (1.35%) for Participants born after
1954.
		
		 	Three quarters of one percent (.75%) is decreased to seven tenths of one percent (.70%) for Participants born in 1938-1954 and to sixty five hundredths of one percent (.65%) for Participants born after 1954.

 PART II 
 Part II
only applies to Credited Service earned on or after July 1, 1999. 

			
		
	(a) (i)	 	For all Participants one percent (1.0%) of Final Average Compensation for each year of Credited Service up to a maximum of forty (40) years. When applying the forty year limitation on Credited Service, years of Credited
Service earned after June 30, 1999 shall be aggregated with years of Credited Service earned before July 1, 1999.
		
		 	  
 PLUS

 

		
	     (ii)	 	sixty five hundredths of one percent (.65%) of Final Average Compensation in excess of Covered Compensation for years of Credited Service earned after June 30, 1999; which when aggregated with years of Credited Service earned
before July 1, 1999 does not in the aggregate exceed twenty five (25) years of Credited Service.

 PART III (LESS) 
  

	 	    	The monthly amount of the Qualified Plan Retirement Benefit actually payable to the Participant under the Qualified Plan or any supplemental executive retirement plan or agreement, sponsored or entered by the Company or
any Related Employer; other than a supplemental executive retirement plan whose primary purpose is to provide benefits in excess of amounts permitted by Section 401(a)(17) or 415 of the Code with respect to a Predecessor Plan.

 PART IV 
  

	 	    	The amounts described in Parts I, II and III shall be computed as of the date of termination of employment of the Participant with the Company or a Related Employer in the form of benefit described in Section 3.06
of this Plan. 

 PART V 

Section 3.02. Early Retirement Benefit Amount. 

A Participant who has attained age 55 and has completed ten (10) years of Continuous Service who retires early shall be entitled to a
benefit (as of the date of income commencement) equal to the sum of (a) and (b) below, reduced by amounts described at (c) below. 
  

	 	(a)	The sum of the Participant’s normal retirement benefit determined pursuant to Section 3.01 Part I (a)(i) and Part II (a)(i) reduced by the factors in the table below: 

 

			
	Age at which Benefits Commence	  	Factors for Parts I
and II (a)(i) of
the Benefit
	 64
	  	.97
	 63
	  	.94
	 62
	  	.91
	 61
	  	.88
	 60
	  	.85
	 59
	  	.82
	 58
	  	.79
	 57
	  	.76
	 56
	  	.73
	 55
	  	.70

 If benefits commence other than at the above specified ages, linear interpolation should be used to arrive at
the appropriate factors. 

	 	(b)	The sum of the Participants normal retirement benefit determined pursuant to Section 3.01 Part I(a)(ii) and Part II (a)(ii) reduced by the factors in the table below: 

 

			
	Age at which Benefits Commence	  	Factors for Parts I
and II (a)(ii) of
the Benefit
	 64
	  	.92
	 63
	  	.84
	 62
	  	.76
	 61
	  	.71
	 60
	  	.66
	 59
	  	.63
	 58
	  	.60
	 57
	  	.56
	 56
	  	.52
	 55
	  	.48

 If benefits commence other than at the above specified ages, linear interpolation should be used to arrived at
the appropriate factors. 
  

	 	(c)	Amounts payable under any other plans described in Part III of Section 3.01 shall also be used to reduce the Supplemental Retirement Benefit payable on Early Retirement Date. 

Section 3.03. Late Retirement Benefit Amount. If a Participant does not retire at his Normal Retirement Date and instead
retires on his Late Retirement Date, he shall be entitled to a Supplemental Retirement Benefit computed as provided in Section 3.01 of this Plan. 

Section 3.04. Disability. If a Participant becomes eligible for a Disability Benefit under the Qualified Plan, such
Participant shall be entitled to a Supplemental Retirement Benefit calculated as provided under Section 3.01 of this Plan. 

Section 3.05. Deferred Vested Benefit. If a Participant becomes eligible for a Deferred Vested Benefit under the Qualified
Plan, he shall be entitled to a monthly amount equal to the difference between (a) and (b) below: 
  

	 	(a)	the monthly amount of the Deferred Vested Benefit to which the Participant would have been entitled under the Qualified Plan if such benefit were computed without giving effect to the limitations on benefits imposed by
application of Section 415 or Section 401(a)(17) of the Code; 

 LESS 

 

	 	(b)	the monthly amount of the Deferred Vested Benefit actually payable to the Participant under the Qualified Plan or any supplemental executive retirement plan or agreement, sponsored or entered by the Company or any
Related Company; other than a supplemental executive retirement plan whose primary purpose is to provide benefits in excess of amounts permitted by Code Section 401(a)(17) or 415 with respect to a Predecessor Plan. 

Section 3.06. Form of Benefit. Effective for payments that commence before November 1, 2008, the Supplemental
Retirement Benefit payable to a Participant shall be paid in the form of a straight life annuity over the lifetime of the Participant only. Effective for payments that commence on or after November 1, 2008, and before May 1, 2010, the
Supplemental Retirement Benefit payable to a Participant shall be paid in the form of a single life annuity with ten years 

 
certain guaranteed only. Effective for payments that commence on or after May 1, 2010, the Supplemental Retirement Benefit payable to a Participant shall be paid in the form of a single life
annuity over the lifetime of the Participant only, unless the Participant elects to receive any of the following alternative annuities: 
  

	 	(A)	a single life annuity with five years or ten years certain guaranteed; 

  

	 	(B)	an annuity that provides for payments for the life of the Participant and, upon the Participant’s death, continues to pay an amount to the Participant’s Beneficiary for the lifetime of the Beneficiary equal to
50%, 75%, or 100% (as elected by the Participant before the commencement of payment) of the rate payable during the Participant’s lifetime. 

These forms of benefit will be determined as the Actuarial Equivalent benefit to the straight life annuity using the same methods as the
Qualified Plan. A Participant who elects any of these annuity options may change his or her election to another annuity option at any time before the Supplemental Retirement Benefit is paid. Except as provided at Section 7.09 of the Plan, the
forms of benefit described in this Section 3.06 are the only forms in which the Supplemental Retirement Benefit may be paid. 

Section 3.07. Commencement of Benefit. Payment of the Supplemental Retirement Benefit to a Participant shall commence on
the first to occur of the following dates: (a) the Participant’s Early Retirement Date, (b) the Participant’s Normal Retirement Date, or (c) the Participant’s Late Retirement Date, as applicable. Notwithstanding the
foregoing, if a Participant is a “specified employee,” as defined in Section 409A(a)(2)(B)(i) of the Code, payment of the Supplemental Retirement Benefit shall commence as soon as practicable after the date that is six (6) months
after such date. Monthly payments that otherwise would have been made to the Participant during such six-month period shall be aggregated and paid on this commencement date. 

ARTICLE IV 
 Supplemental
Surviving Beneficiary Benefit 
 In connection with the freeze of the Plan as of December 31, 2013, Supplemental Surviving
Beneficiary Benefits under this Plan shall cease to accrue after such date. 
 Section 4.01. Amount. If a Participant
dies prior to commencement of payment of his Qualified Plan Retirement Benefit under circumstances in which a Preretirement Survivor’s Benefit is payable to his surviving Beneficiary, then a Supplemental Surviving Beneficiary Benefit is payable
to his surviving Beneficiary as hereinafter provided. The monthly amount of the Supplemental Surviving Beneficiary Benefit payable to a surviving Beneficiary shall be equal to the difference between (a) and (b) below: 

 

	 	(a)	the monthly amount of the Preretirement Survivor’s Benefit to which the surviving Beneficiary would have been entitled under the Qualified Plan if such Benefit were computed without giving effect to the limitations
on benefits imposed by application of Section 415 or 401(a)(17) of the Code to plans to which that section applies; 

LESS 
  

	 	(b)	the monthly amount of the Preretirement Survivor’s Benefit actually payable to the surviving Beneficiary under the Qualified Plan or any supplemental executive retirement plan or agreement, sponsored or entered by
the Company or any Related Employer; other than a supplemental executive retirement plan whose primary purpose is to provide benefits in excess of amounts permitted by Section 401(a)(17) or 415 of the Code with respect to a Predecessor Plan.

 Section 4.02. Form and Commencement of Benefit. A Supplemental Surviving
Beneficiary Benefit shall be payable over the lifetime of the surviving Beneficiary only in monthly installments commencing on the first day of the month coincident with or next following the date that the Participant would have reached the earliest
retirement age under the Qualified Plan and terminating on the date of the last payment of the Preretirement Survivor’s Benefit made before the surviving Beneficiary’s death. 

ARTICLE V 
 Vesting 

Section 5.01. Participant Vesting. A Participant credited with five years of Continuous Service under the Qualified Plan
shall be fully vested in the Plan. 
 ARTICLE VI 

Administration of the Plan 

Section 6.01. Administration by the Company. The Company shall be responsible for the general operation and administration of the
Plan and for carrying out the provisions thereof. 
 Section 6.02. General Powers of Administration. All provisions set forth in
the Qualified Plan with respect to the administrative powers and duties of the Company, when relevant, shall apply to this Plan. The Company shall be entitled to rely conclusively upon all tables, valuations, certificates, opinions and reports
furnished by any actuary, accountant, controller, counsel or other person employed or engaged by the Company with respect to the Plan. The Company may delegate its powers and duties to one or more members in the same manner as permitted by the
Qualified Plan. 
 ARTICLE VII 

Claims Procedures 

Section 7.01. Claim. Claims for benefits under the Plan shall be made in writing to the Company. The Plan Administrator
shall establish rules and procedures to be followed by Participants and Beneficiaries in filing claims for benefits, and for furnishing and verifying proof necessary to establish the right to benefits in accordance with the Plan, consistent with the
remainder of this Article. 
 Section 7.02. Review of Claim. The Company shall review all claims for benefits. Upon
receipt by the Company of such a claim, it shall determine all facts that are necessary to establish the right of the claimant to benefits under the provisions of the Plan and the amount thereof as herein provided within 90 days of receipt of such
claim. If prior to the expiration of the initial 90 day period, the Company determines additional time is needed to come to a determination on the claim, the Company shall provide written notice to the Participant, Beneficiary or other claimant of
the need for the extension, not to exceed a total of 180 days from the date the application was received. If the Company fails to notify the claimant in writing of the denial of the claim within 90 days after the Company receives it, the claim shall
be deemed denied. 
 Section 7.03. Notice of Denial of Claim. If the Company wholly or partially denies a claim for
benefits, the Company shall, within a reasonable period of time, but no later than 90 days after receiving the claim (unless extended as noted above), notify the claimant in writing of the denial of the claim. Such notification shall be written in a
manner reasonably expected to be understood by such claimant and shall in all respects comply with the requirements of ERISA, including but not limited to inclusion of the following: 

 

	 	a)	the specific reason or reasons for denial of the claim; 

	 	b)	a specific reference to the pertinent Plan provisions upon which the denial is based; 

  

	 	c)	a description of any additional material or information necessary for the claimant to perfect the claim, together with an explanation of why such material or information is necessary; and 

 

	 	d)	an explanation of the Plan’s review procedure. 

 Section 7.04.
Reconsideration of Denied Claim. Within 60 days of the receipt by the claimant of the written notice of denial of the claim, or within 60 days after the claim is deemed denied as set forth above, if applicable, the claimant or duly authorized
representative may file a written request with the Committee that it conduct a full and fair review of the denial of the claimant’s claim for benefits. If the claimant or duly authorized representative fails to request such a reconsideration
within such 60 day period, it shall be conclusively determined for all purposes of the Plan that the denial of such claim by the Committee is correct. In connection with the claimant’s appeal of the denial of his or her benefit, the claimant
may review pertinent documents and may submit issues and comments in writing. 
 The Committee shall render a decision on the claim appeal
promptly, but not later than 60 days after receiving the claimant’s request for review, unless, in the discretion of the Committee, special circumstances require an extension of time for processing, in which case the 60-day period may be
extended to 120 days. The Committee shall notify the claimant in writing of any such extension. The notice of decision upon review shall be in writing and shall include specific reasons for the decision, written in a manner calculated to be
understood by the claimant, as well as specific references to the pertinent Plan provisions upon which the decision is based. If the decision on review is not furnished within the time period set forth above, the claim shall be deemed denied on
review. 
 If such determination is favorable to the claimant, it shall be binding and conclusive. If such determination is adverse
to such claimant, it shall be binding and conclusive unless the claimant or his duly authorized representative notifies the Committee within 90 days after the mailing or delivery to the claimant by the Committee of its determination that claimant
intends to institute legal proceedings challenging the determination of the Committee and actually institutes such legal proceedings within 180 days after such mailing or delivery. 

ARTICLE VIII 
 Miscellaneous

 Section 8.01. Amendment or Termination. The Company reserves the right at any time to amend or terminate this
Plan. 
 Section 8.02. No Contract of Employment. Nothing in the Plan shall be deemed or construed to impair or affect in
any manner whatsoever, the right of the Employers, in their discretion, to hire Employees and, with or without cause, to discharge or terminate the service of Employees or Participants. 

Section 8.03. Payment in Event of Incapacity. If any person entitled to any payment under the Plan shall be physically,
mentally or legally incapable of receiving or acknowledging receipt of such payment, the Company, upon receipt of satisfactory evidence of his incapacity and satisfactory evidence that another person or institution is maintaining him and that no
guardian or committee has been appointed for him, may cause any payment otherwise payable to him to be made to such person or institution so maintaining him. 

Section 8.04. Funding. The Plan at all times shall be entirely unfunded and no provision shall at any time be made with
respect to segregating any assets of the Company for payment of any benefits hereunder. No Participant, surviving Beneficiary or any other person shall have any interest in any particular assets of the Company by reason of the right to receive a
benefit under the Plan and any such Participant, surviving Beneficiary or other person shall have only the rights of a general unsecured creditor of the Company with respect to any rights under the Plan. 

 Section 8.05. General Conditions. Except as otherwise expressly provided
herein, all terms and conditions of the Qualified Plan applicable to a Qualified Plan Retirement Benefit or a Preretirement Survivor’s Benefit shall also be applicable to a Supplemental Retirement Benefit or a Supplemental Surviving Beneficiary
Benefit payable hereunder. Any Qualified Plan Retirement Benefit or Preretirement Survivor’s Benefit, or any other benefit payable under the Qualified Plan, shall be paid solely in accordance with the terms and conditions of the Qualified Plan
and nothing in this Plan shall operate or be construed in any way to modify, amend or affect the terms and provisions of the Qualified Plan. However, nothing in this Section shall modify the requirement, except as provided in Section 8.09, that
all Supplemental Retirement Benefits provided by this Plan be paid in the form of a single life annuity with ten years certain guaranteed and which is the Actuarial Equivalent of the straight life annuity. 

Section 8.06. No Guaranty of Benefits. Nothing contained in the Plan shall constitute a guaranty by the Company or any
other entity or person that the assets of the Company will be sufficient to pay any benefit hereunder. 
 Section 8.07.
Anti-alienation of Benefits. Neither a Participant nor any other person shall have any right to commute, sell, assign, transfer, pledge, anticipate, mortgage, or otherwise encumber, transfer, hypothecate, or convey in advance of actual
receipt the amounts, if any, payable hereunder, or any part thereof or rights to, which are expressly declared to be unassignable and nontransferable. No part of the amounts payable shall, prior to actual payment, be subject to seizure or
sequestration for the payment of any debts, judgments, alimony, or separate maintenance owed by a Participant or any other person, nor be transferable by operation of law in the event of a Participant’s or any other person’s bankruptcy or
insolvency. 
 Section 8.08. Applicable Law. The Plan shall be construed and administered under the laws of the State of
Ohio. 
 Section 8.09. Small Benefits. If the Actuarial Equivalent of any Supplemental Retirement Benefit or Supplemental
Surviving Beneficiary Benefit is not greater than the applicable dollar limit under Section 402(g)(1)(B) of the Code, the Company may pay the actuarial value of such Benefit to the Participant or surviving Beneficiary in a single lump sum in
lieu of any further benefit payments hereunder. 
 Section 8.10. Limitations on Liability. The Company shall indemnify
and hold harmless any Employee to whom the duties of the Company may be delegated, and the Committee members against any and all claims, losses, damages, expenses or liabilities arising from any action or failure to act with respect to this Plan,
except in the case of willful misconduct by any such Employee or Committee member. 
 Section 8.11. Taxes. All benefits
payable pursuant to this Plan shall be reduced by any and all federal, state and local taxes imposed upon the Participant or the Beneficiary which are required to be paid or withheld by the Company or a Related Employer. 

Section 8.12. Gender and Number. The masculine gender shall be deemed to include the feminine, the feminine gender shall be
deemed to include the masculine, and the singular shall include the plural unless otherwise clearly required by the context. 

Section 8.13. Headings. The headings and subheadings in this Plan have been inserted for convenience and reference only and
are to be ignored in any construction of the provisions hereof. 
 Section 8.14. Employer Information. To enable the
Company, Committee, and the Compensation Committee to perform their functions, each Related Employer shall supply fully and timely information to the Company, Committee, or Compensation Committee, as the case may be, on all matters relating to the
Plan, Participants, and Beneficiaries, and such other pertinent information as reasonably requested. 

 Section 8.15. Successors. The provisions of the Plan shall bind and inure to the
benefit of the Related Employers and their successors and assigns. The term successors as used herein shall include any corporate or other business entity that shall, whether by merger, consolidation, purchase, or otherwise, acquire all or
substantially all of the business and assets of a Related Employer, and successors of any such corporation or other business entity. 

Section 8.16. Tax Compliance. It is intended that the Plan comply with the provisions of Section 409A of the Code, so
as to prevent the inclusion in gross income of any amounts deferred hereunder in a taxable year that is prior to the taxable year or years in which such amounts would otherwise actually be paid or made available to Participants or Beneficiaries.
This Plan shall be construed, administered, and governed in a manner that affects such intent, and no Participant, Beneficiary, or the Company shall take any action that would be inconsistent with such intent. 

Although the Company shall use its best efforts to avoid the imposition of taxation, interest and penalties under Section 409A of the
Code, the tax treatment of deferrals under this Plan is not warranted or guaranteed. Neither the Company, any Related Employer, the Committee, nor any designee shall be held liable for any taxes, interest, penalties or other monetary amounts owed by
any Participant, Beneficiary or other taxpayer as a result of the Plan. 
 IN WITNESS WHEREOF: the Company has caused this restated Plan to
be executed on the 19th day of December, 2013; effective December 31, 2013. 
  

			
	HUNTINGTON BANCSHARES INCORPORATED
		
	By:	 	 /s/ Sarah Hall

		
	Title:	 	 Senior Vice President<![CDATA[The Huntington Supplemental Stock Purchase & Tax Savings Plan & Trust]]>

 Exhibit 10.8 

HUNTINGTON SUPPLEMENTAL STOCK PURCHASE 

AND TAX SAVINGS PLAN 

Effective March 1, 1989, Huntington Bancshares Incorporated (the “Company”) adopted the Huntington Supplemental Executive Stock
Purchase and Tax Savings Plan and Trust (the “Plan”) in order to enable certain Employees to obtain the same level of benefits they would have been able to receive under the Qualified Plan but for the limits imposed by certain provisions
of the Code on the amounts that can be contributed to the Qualified Plan. The Plan was amended and restated effective January 1, 2005, to rename the Plan the Huntington Supplemental Stock Purchase and Tax Savings Plan and to comply with
Section 409A of the Code. Pursuant to Section 9.1 of the Plan, the Company amends and restates the Plan effective January 1, 2014, to clarify administrative matters related to both this Plan and the Qualified Plan. 

 ARTICLE 1 

PREFACE 

Section 1.1. Effective Date. The effective date of the Plan, as amended and restated, is January 1, 2014. 

Section 1.2. Purpose of the Plan. The purpose of this Plan is to provide a supplemental savings program for Eligible
Employees of Huntington Bancshares Incorporated and its related companies whose contributions and benefits under the Qualified Plan are affected by the limits imposed on tax-qualified plans under the Code, or by limits imposed under the Qualified
Plan. 
 Section 1.3. Governing Law. This Plan shall be regulated, construed and administered under the laws of the State
of Ohio. 
 Section 1.4. Gender and Number. The masculine gender shall be deemed to include the feminine, the feminine
gender shall be deemed to include the masculine, and the singular shall include the plural unless otherwise clearly required by the context. 

 ARTICLE 2 

DEFINITIONS 

Section 2.1. In General. Except as otherwise provided in this Plan, the terms defined at the Qualified Plan, which are
expressly incorporated herein by reference, shall have the same meaning when used in this Plan, unless the context clearly indicates otherwise. The term “Company” shall refer to Huntington Bancshares Incorporated in its capacity as
Sponsor. Huntington Bancshares Incorporated is also an Employer. 
 Section 2.2. Code means the Internal Revenue Code of
1986, as amended from time to time and regulations relating thereto. 
 Section 2.3. Committee shall mean the Huntington
Bancshares Incorporated Investment and Administrative Committee, as described in Article X of the Qualified Plan. 

Section 2.4. Compensation Committee shall mean the Compensation Committee of the Company’s Board of Directors. 

Section 2.5. Eligible Employee shall mean, for any Plan Year, a person employed by an Employer who is a Participant in the
Qualified Plan and who is determined by the Compensation Committee to be a member of a select group of management or highly compensated employees. 

Section 2.6. ERISA shall mean the Employee Retirement Income Security Act of 1974, as amended. 

Section 2.7. Participant shall mean any Eligible Employee who has agreed to be bound by the terms of this Plan pursuant to
Section 4.2. 
 Section 2.8. Plan shall mean the Huntington Supplemental Stock Purchase and Tax Savings Plan, as
herein set out or as duly amended. 
 Section 2.9. Plan Administrator shall mean the Company. 

Section 2.10. Qualified Plan shall mean the Huntington Investment and Tax Savings Plan, as it may be amended from time to
time. 
 Section 2.11. Supplemental Account shall mean the balance posted to the record of each Participant or
Beneficiary and as adjusted as of each Valuation Date, less any payments therefrom. 
 Section 2.12. Supplemental Elective
Deferral Contributions shall mean the contributions made by a Participant pursuant to Section 4.2. The Trustee shall hold the Supplemental Elective Deferral Contributions of each Participant in a Supplemental Account. 

Section 2.13. Supplemental Matching Contributions shall mean the contributions made by an Employer pursuant to
Section 4.3. The Trustee shall hold the Supplemental Matching Contributions of each Participant in a Supplemental Account. 

Section 2.14. Trust or Fund or Trust Fund shall mean the total contributions made pursuant to the Plan by the Company or
Employers and by the Participants and held by the Trustee in a separate Trust, increased by any profits or income thereto and decreased by any loss or expense incurred in the administration of the Trust or payments therefrom under the Plan. 

 Section 2.15. Trustee shall mean Huntington National Bank or any successor
trustee hereunder. 
 Section 2.16. Valuation Date shall mean each business day of the Plan Year that the NASDAQ National
Market is open for trading or such other date or dates deemed necessary or appropriate by the Administrator. 
  

 ARTICLE 3 

ELIGIBILITY AND PARTICIPATION 

Section 3.1. Eligibility. Eligibility to participate in the Plan shall be limited to those Eligible Employees who have been
designated by the Compensation Committee to be a Participant in the Plan. Prior to the beginning of the Plan Year for which their participation shall be effective, the Company shall notify those individuals whom the Compensation Committee selected
as eligible to participate in the Plan. 
 Section 3.2. Participation. An Eligible Employee becomes a Participant in this
Plan by completing an election with respect to Supplemental Elective Deferral Contributions in accordance with Section 4.2 of this Plan. 

Section 3.3. Continuation of Participation. In general, a Participant shall remain a Participant so long as his
Supplemental Account has not been fully distributed to him; except that any Employee who was a Participant on November 19, 1997, is not permitted to continue active participation in the Plan unless nominated by the Compensation Committee. The
Supplemental Accounts of former active Participants shall remain in the Plan and be administered in accordance with the Plan. 

Section 3.4. Amendment of Eligibility and Participation Criteria. The Compensation Committee may, in its discretion, change
the criteria for eligibility and participation at any time and for any reason. In the event that such a change renders a current active Participant in the Plan no longer eligible to participate in the Plan for future Plan Years, such Participant
shall cease active Participation in the Plan effective as of the first day of the Plan Year following the amendment of the eligibility or participation criteria. Eligibility for participation in one Plan Year does not guarantee eligibility to
participate in future Plan Years. 

 ARTICLE 4 

SUPPLEMENTAL CONTRIBUTIONS 

Section 4.1. Supplemental Accounts. Supplemental Elective Deferral Contributions and Supplemental Matching Contributions,
and earnings thereon, shall be credited to each Participant’s Supplemental Account. The Supplement Account shall be a bookkeeping device utilized solely for determining the benefits payable under this Plan and shall not constitute a separate
fund of assets. 
 Section 4.2. Supplemental Elective Deferral Contributions. Each Participant may elect to have all or
any portion of the Elective Deferrals (matched or unmatched) that he elected to defer under the Qualified Plan, but which cannot be allocated to his Elective Deferral account under such plan for the Plan Year because the Employee has (a) made
the maximum elective deferrals under Section 402(g) of the Code, (b) exceeded the annual limitation on the amount of Compensation that can be considered for purposes of contributions to the Qualified Plan, or (c) exceeded the maximum
elective contributions under the terms of the Qualified Plan, allocated to his Supplemental Account under this Plan. 
 An election pursuant
to this section must be made prior to the calendar year in which the Compensation to which such election applies is earned; except as to the year in which an Eligible Employee first becomes eligible to participate in this Plan and any other plan
required to be aggregated with this Plan under Section 409A of the Code. In such instances, the election must be made within 30 days of first becoming eligible to participate, and such election will apply to Compensation earned in pay periods
commencing on or after the date of election. An election shall remain in full force and effect for subsequent calendar years unless revoked or modified by written instrument delivered to the Plan Administrator prior to the first day of the calendar
year for which such revocation is to be effective. 
 Supplemental Elective Deferral Contributions shall be paid to the Trustee by the
Employer within a reasonable time after the payroll period with respect to which the reduction in an Employee’s Compensation pertains, but in no event later than the end of the succeeding month. 

Section 4.3. Supplemental Matching Contributions. Commencing at such time as the Company, in its discretion, shall elect,
the Employer shall make Supplemental Matching Contributions to the Plan equal to one hundred percent (100%) of the Supplemental Elective Deferral Contributions made by a Participant pursuant to Section 3.2 of the Plan, to the extent that
such Supplemental Effective Deferral Contributions do not exceed four percent (4%) of the Participant’s Compensation each pay period. Supplemental Matching Contributions may be made each pay period. 

Supplemental Matching Contributions made for Participants originally hired before January 1, 2014, shall be fully vested and
non-forfeitable at all times. Supplemental Matching Contributions made for Participants hired on or after January 1, 2014, shall be vested in accordance with the following schedule: 

 

					
	 Years of Service
	  	Vested Percentage	 
	 Less than 2 years
	  	 	0	% 
	 2 years or more
	  	 	100	% 

 For purposes of this Section 4.3, Years of Service for vesting purposes shall be determined in accordance with the
provisions of the Qualified Plan. A Participant hired on or after January 1, 2014, who fails to complete at least 2 years of service shall forfeit the right to receive any unvested Supplemental Matching Contributions previously credited to his
Supplemental Account. The Employer may use forfeitures to off-set future Supplemental Matching Contributions or any other purpose that does not violate the terms governing the Trust. 

 Supplemental Matching Contributions may be made by the Employer concurrently with payments to the
Trustee of the Participant’s Supplemental Elective Deferral Contributions under Section 4.2; provided, however, such Supplemental Matching Contributions shall be made no later than the time prescribed by law for filing the Employer’s
federal income tax return (including extensions) for the taxable year with respect to which the Supplemental Matching Contributions are made. Supplemental Matching Contributions may be made in the form of cash or Common Stock, or a combination
thereof. 
 Section 4.4. Withholding. Any withholding of taxes or other amounts required by federal, state, local, or
other law shall be withheld from the Participant’s non-deferred Compensation to the maximum extent possible. Any remaining amount shall reduce the amount credited to the Participant’s Supplemental Account. 

Section 4.5. Investments, Allocation to Participant Supplemental Accounts. 

 

	 	(a)	All amounts contributed to the Plan by the Participants and the Employers shall be invested by the Trustee primarily in Common Stock. The purchase price of shares of Common Stock purchased on the open market for
Participants in the Plan will be the actual price paid for all such shares purchased. When the Trustee acquires shares of Common Stock directly from the Employer, the purchase price of such shares will be either (a) the price of the Common
Stock prevailing on a national securities exchange which is registered under Section 6 of the Securities Exchange Act of 1934, or (b) if the Common Stock is not traded on such a national securities exchange, a price not less favorable to
the Plan than the offering price for the Common Stock as established by the current bid and asked prices quoted by persons independent of the Employer and of any party in interest. 

 

	 	(b)	In the event Huntington Bancshares Incorporated or any Participant is, or will be, prohibited from investing or trading in Common Stock under applicable State or Federal security laws, the Trustee, at the direction of
the Plan Administrator, may (i) keep amounts contributed to the Plan that are subject to the prohibition on investing or trading in Common Stock (including any cash dividends on Common Stock that are subject to the prohibition) either in cash
(which includes both interest bearing deposit accounts or money market funds) or alternative investment funds that do not include Common Stock, or (ii) appoint an independent agent for the Plan to purchase shares of Common Stock on behalf of
the Plan during such periods, to the extent permitted under State or Federal security laws. The alternative investment funds shall be selected by the Company. 

  

	 	(c)	The assets of the Trust Fund shall be held by the Trustee in the name of the Trust in a commingled fund. As contributions by and for Participants are received by the Trustee, it shall purchase for the Trust, or cause to
be purchased for the Trust, the number of whole shares of Common Stock, or, if required under part (b) above, the amount of cash or alternative investments, which may be purchased with the amount of such contributions. When purchased, the
Trustee shall allocate to the Supplemental Accounts of each Participant, as applicable, the number of shares of Common Stock, any fractional shares, the amount of cash, and the amount of any alternative investments, equal in value to the amount of
the contribution made by and for such Participant which was applied toward the purchase of such shares, cash, or alternative investments. Stock Rights, if any, and any Common Stock received with respect to Common Stock, shall be allocated to the
Supplemental Accounts of Participants in proportion to the shares of Common Stock allocated to each Supplemental Account. 

  

	 	(d)	The Trustee may, in its sole discretion, maintain in cash from the contributions by and for the Participants such amount as it deems necessary for the operation and administration of the Trust, to provide for payment of
fractional shares of Participants and such other purposes as may be 

	 	
necessary. Cash maintained for this purpose shall be kept to a minimum consistent with the duties and obligations of the Trustee, and shall not be required to be invested at interest. The Trustee
shall maintain separate “Cash Accounts” for each Participant which shall reflect his share of such cash allocated to his Supplemental Account in the Plan. 

Section 4.6. Section 409A of the Code and Contributions. Effective January 1, 2006 each Participant will
immediately report to the Plan Administrator any change in his elective deferral amount pursuant to the Qualified Plan. The Plan Administrator will independently monitor Participant elective deferrals in the Qualified Plan as well as any other plan
subject to Section 402(g) of the Code. If a Participant changes an elective deferral percentage, including an election to add catch-up contributions after December 31 of the prior Plan Year, such election for purposes of this Plan will be
ignored. This Plan will be administered in accordance with the most recent elections on file with the Plan Administrator as of December 31 of the preceding year for the current year. The Plan Administrator will determine operation of this Plan
pursuant to a Participant’s initial Qualified Plan deferral election. Any Supplemental Matching Contributions pursuant to this Plan are limited to deferral amounts paid to this Plan. 

 ARTICLE 5 

PAYMENT OF BENEFITS 

Section 5.1. Benefit Payments to Participants. Each Participant shall receive payment of the vested portion of his
Supplemental Account after termination of his employment with Huntington Bancshares Incorporated, and all affiliates of Huntington Bancshares Incorporated (“Termination”). For purposes of this Plan, “Termination” shall be
interpreted in a manner consistent with the definition of “separation from service” under Section 409A of the Code. Such payment shall be made in a lump sum as soon as practicable after the date that is six months after the date of
Termination. 
 Section 5.2. Death Benefits. Upon the death of a Participant, the balance of his Supplemental Account, if
any, shall be paid to the beneficiary or beneficiaries designated by the Participant. Such death benefit shall be paid in a lump sum to the beneficiary or beneficiaries within a reasonable time after the Participant’s death. 

Each Participant may name a Beneficiary or Beneficiaries on a form provided by the Company. If there is no designated beneficiary surviving at
a Participant’s death, payment of the Participant’s Supplemental Account shall be made to his estate. A Participant may designate a new Beneficiary or Beneficiaries at any time by filing with the Company a written request for such change
on a form prescribed by it. Neither the Trustee, the Company, nor the Employer shall be liable by reason of any payment of the Participant’s Supplemental Account made before receipt of such form designating a new beneficiary or beneficiaries.

 Section 5.3. Withholding for Taxes. To the extent required by law when payment is made, an Employer shall withhold
from the payments made hereunder any taxes required by the federal or any state or local government. 

 ARTICLE 6 

TRUST 

Section 6.1. Establishment of the Trust. In order to provide assets from which to fulfill its obligations to the
Participants and their Beneficiaries under the Plan, the Company has established or may establish a rabbi trust in accordance with Revenue Procedure 92-64, to which the Company may, in its discretion,
contribute cash or Common Stock, to provide for the benefit payments under the Plan (the “Trust”). 
 Section 6.2.
Relationship Between the Plan and the Trust. The provisions of the Plan shall govern the rights of a Participant to receive distributions pursuant to the Plan. The provisions of the Trust shall govern the rights of the Employers, Participants
and the creditors of the Employers to the assets transferred to the Trust. Each Employer shall at all times remain liable to carry out its obligations under the Plan. 

Section 6.3. Distributions from the Trust. Each Employer’s obligations under the Plan may be satisfied with Trust
assets distributed pursuant to the terms of the Trust, and any such distribution shall reduce the Employer’s obligations under this Plan. 
  

 ARTICLE 7 

ADMINISTRATION OF THE PLAN 

Section 7.1. Administration by the Company. The Company shall be responsible for the general operation and administration
of the Plan and for carrying out the provisions thereof. 
 Section 7.2. General Powers of Administration. All provisions
set forth in the Qualified Plan with respect to the administrative powers and duties of Huntington Bancshares Incorporated, when relevant, including the appointment of a committee to act as the agent of the Company in performing these duties, shall
apply to this Plan. The Company shall be entitled to rely conclusively upon all tables, valuations, certificates, opinions and reports furnished by any actuary, accountant, controller, counsel or other person employed or engaged by Huntington
Bancshares Incorporated with respect to the Plan. The Trustee is specifically authorized to adopt unit accounting so that the administration of this Plan can be done on the basis of daily valuations. 

 ARTICLE 8 

CLAIMS PROCEDURES 

Section 8.1. Claim. Claims for benefits under the Plan shall be made in writing to the Company. The Plan Administrator
shall establish rules and procedures to be followed by Participants and Beneficiaries in filing claims for benefits, and for furnishing and verifying proof necessary to establish the right to benefits in accordance with the Plan, consistent with the
remainder of this Article. 
 Section 8.2. Review of Claim. The Company shall review all claims for benefits. Upon
receipt by the Company of such a claim, it shall determine all facts that are necessary to establish the right of the claimant to benefits under the provisions of the Plan and the amount thereof as herein provided within 90 days of receipt of such
claim. If prior to the expiration of the initial 90 day period, the Company determines additional time is needed to come to a determination on the claim, the Company shall provide written notice to the Participant, Beneficiary or other claimant of
the need for the extension, not to exceed a total of 180 days from the date the application was received. If the Company fails to notify the claimant in writing of the denial of the claim within 90 days after the Company receives it, the claim shall
be deemed denied. 
 Section 8.3. Notice of Denial of Claim. If the Company wholly or partially denies a claim for
benefits, the Company shall, within a reasonable period of time, but no later than 90 days after receiving the claim (unless extended as noted above), notify the claimant in writing of the denial of the claim. Such notification shall be written in a
manner reasonably expected to be understood by such claimant and shall in all respects comply with the requirements of ERISA, including but not limited to inclusion of the following: 

 

	 	a)	the specific reason or reasons for denial of the claim; 

  

	 	b)	a specific reference to the pertinent Plan provisions upon which the denial is based; 

  

	 	c)	a description of any additional material or information necessary for the claimant to perfect the claim, together with an explanation of why such material or information is necessary; and 

 

	 	d)	an explanation of the Plan’s review procedure. 

 Section 8.4.
Reconsideration of Denied Claim. Within 60 days of the receipt by the claimant of the written notice of denial of the claim, or within 60 days after the claim is deemed denied as set forth above, if applicable, the claimant or duly authorized
representative may file a written request with the Committee that it conduct a full and fair review of the denial of the claimant’s claim for benefits. If the claimant or duly authorized representative fails to request such a reconsideration
within such 60 day period, it shall be conclusively determined for all purposes of the Plan that the denial of such claim by the Committee is correct. In connection with the claimant’s appeal of the denial of his or her benefit, the claimant
may review pertinent documents and may submit issues and comments in writing. 
 The Committee shall render a decision on the claim appeal
promptly, but not later than 60 days after receiving the claimant’s request for review, unless, in the discretion of the Committee, special circumstances require an extension of time for processing, in which case the 60-day period may be
extended to 120 days. The Committee shall notify the claimant in writing of any such extension. The notice of decision upon review shall be in writing and shall include specific reasons for the decision, written in a manner calculated to be
understood by the claimant, as well as specific references to the pertinent Plan provisions upon which the decision is based. If the decision on review is not furnished within the time period set forth above, the claim shall be deemed denied on
review. 

 If such determination is favorable to the claimant, it shall be binding and conclusive. If such
determination is adverse to such claimant, it shall be binding and conclusive unless the claimant or his duly authorized representative notifies the Committee within 90 days after the mailing or delivery to the claimant by the Committee of
its determination that claimant intends to institute legal proceedings challenging the determination of the Committee and actually institutes such legal proceedings within 180 days after such mailing or delivery. 

 ARTICLE 9 

MISCELLANEOUS 

Section 9.1. Amendment or Termination. Huntington Bancshares Incorporated reserves the right at any time to amend or
terminate this Plan and each Employer reserves the right to terminate its participation therein; provided that no such amendment or termination shall have the effect of giving any Employer any right or interest in, or of revoking or diminishing the
rights and interest of any Participant in, the funds then held by the Trustee. In the event this Plan is terminated, all Participants and Beneficiaries shall receive distribution of their Supplemental Accounts in accordance with the procedures set
forth under Section 409A of the Code. 
 Section 9.2. No Contract of Employment. Nothing in the Plan shall be deemed
or construed to impair or affect in any manner whatsoever, the right of the Employers, in their discretion, to hire Employees and, with or without cause, to discharge or terminate the service of Employees or Participants. 

Section 9.3. Unfunded Plan. The Plan is an unfunded plan maintained primarily to provide deferred compensation benefits for
a select group of “management or highly-compensated employees” within the meaning of Sections 201, 301 and 401 of ERISA, and therefore is exempt from the provisions of Parts 2, 3 and 4 of Title I of ERISA. Nothing contained in the Plan
shall constitute a guaranty by the Company or any other Employer or any other entity or person that the assets of the Company or any other Employer shall be sufficient to pay any benefit hereunder. 

Section 9.4 Unsecured General Creditor. Participants and Beneficiaries shall be unsecured general creditors, with no
secured or preferential right to any assets of the Company, any other Employer, or any other party for payment of benefits under the Plan. Any life insurance policies, annuity contracts or other property purchased by the Employer in connection with
the Plan shall remain its general, unpledged and unrestricted assets. Obligations of the Company and each other Employer under the Plan shall be an unfunded and unsecured promise to pay money in the future. 

Section 9.5 Anti-alienation of Benefits. Neither a Participant nor any other person shall have any right to commute, sell,
assign, transfer, pledge, anticipate, mortgage, or otherwise encumber, transfer, hypothecate, or convey in advance of actual receipt the amounts, if any, payable hereunder, or any part thereof or rights to, which are expressly declared to be
unassignable and nontransferable. No part of the amounts payable shall, prior to actual payment, be subject to seizure or sequestration for the payment of any debts, judgments, alimony, or separate maintenance owed by a Participant or any other
person, nor be transferable by operation of law in the event of a Participant’s or any other person’s bankruptcy or insolvency. 

Notwithstanding the preceding paragraph, the Supplemental Account of any Participant shall be subject to and payable in the amount determined
in accordance with any qualified domestic relations order, as that term is defined in Section 206(d)(3) of ERISA. The Company shall provide for payment in a lump sum from a Participant’s Supplemental Account to an alternate payee (as
defined in Code Section 414(p)(8)) as soon as administratively practicable following receipt of such order. Any federal, state or local income tax associated with such payment shall be the responsibility of the alternate payee. The balance of a
Supplemental Account that is subject to any qualified domestic relations order shall be reduced by the amount of any payment made pursuant to such order. 

Section 9.6. Payment in Event of Incapacity. If any person entitled to any payment under the Plan shall be physically,
mentally or legally incapable of receiving or acknowledging receipt of such payment, the Company, upon receipt of satisfactory evidence of his incapacity and satisfactory evidence that another person or institution is maintaining him and that no
guardian or committee has been appointed for him, may cause any payment otherwise payable to him to be made to such person or institution so maintaining him. 

 Section 9.7. Headings. The headings and subheadings in this Plan have been
inserted for convenience and reference only and are to be ignored in any construction of the provisions hereof. 
 Section 9.8
Indemnification. The Company shall indemnify and hold harmless any Employee to whom the duties of the Company may be delegated, and the Plan Administrator against any and all claims, losses, damages, expenses or liabilities arising from any
action or failure to act with respect to this Plan, except in the case of willful misconduct by any such Employee or the Plan Administrator. 

Section 9.9 Employer Information. To enable the Company, Committee, and the Compensation Committee to perform their functions,
each Employer shall supply fully and timely information to the Company, Committee, or Compensation Committee, as the case may be, on all matters relating to the Plan, the Trust, Participants, and Beneficiaries, and such other pertinent information
as reasonably requested. 
 Section 9.10 Successors. The provisions of the Plan shall bind and inure to the benefit of
the Employers and their successors and assigns. The term successors as used herein shall include any corporate or other business entity that shall, whether by merger, consolidation, purchase, or otherwise, acquire all or substantially all of the
business and assets of an Employer, and successors of any such corporation or other business entity. 
 Section 9.11 Tax
Compliance. It is intended that the Plan comply with the provisions of Section 409A of the Code, so as to prevent the inclusion in gross income of any amounts deferred hereunder in a taxable year that is prior to the taxable year or years
in which such amounts would otherwise actually be paid or made available to Participants or Beneficiaries. This Plan shall be construed, administered, and governed in a manner that affects such intent, and no Participant, Beneficiary, or the Plan
Administrator shall take any action that would be inconsistent with such intent. 
 Although the Plan Administrator shall use its best
efforts to avoid the imposition of taxation, interest and penalties under Section 409A of the Code, the tax treatment of deferrals under this Plan is not warranted or guaranteed. Neither the Company, any Employer, the Plan Administrator, nor
any designee shall be held liable for any taxes, interest, penalties or other monetary amounts owed by any Participant, Beneficiary or other taxpayer as a result of the Plan. 

 IN WITNESS WHEREOF: Huntington Bancshares Incorporated has executed this Plan, on the 19th day of December, 2013. 
  

			
	
	HUNTINGTON BANCSHARES INCORPORATED
		
	By	 	 /s/ Sarah Hall

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