Document:

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                                                                  EXHIBIT 10 (b)

                       HUNTINGTON BANCSHARES INCORPORATED

                         BOARD OF DIRECTORS RESOLUTIONS
                                FEBRUARY 18, 2002

                                       RE:
            FIFTH AMENDMENT TO THE HUNTINGTON BANCSHARES INCORPORATED
                             1990 STOCK OPTION PLAN

      WHEREAS, the Board of Directors and shareholders of Huntington Bancshares
Incorporated (the "Corporation") previously adopted and established the
Huntington Bancshares Incorporated 1990 Stock Option Plan (the "1990 Plan")
which provides for the grant to eligible employees of the Corporation or its
subsidiaries of options to purchase shares of common stock, without par value,
of the Corporation;

      WHEREAS, while Section 5(h) of the 1990 Plan currently provides that upon
the death of a participant within three months of retirement, the optionholder's
executor, administrator or estate may exercise any unexercised option within the
earlier of the expiration of the term of the option or 13 months from the date
of death, the 1990 Plan is ambiguous as to the treatment of options for an
optionholder who dies after three months after retirement;

      WHEREAS, the Stock Option and Compensation Committee has consistently
interpreted and administered the 1990 Plan in such a manner so as to provide
that upon the death of an optionholder following his or her retirement, the
optionholder's executor, administrator, or estate shall be able to exercise any
then unexercised options within the earlier of the expiration period of such
option or 13 months from the date of death.

      WHEREAS, Section 7(b) of the 1990 Plan provides that this Board may at any
time and from time to time amend the 1990 Plan;

      WHEREAS, this Board deems it desirable and in the best interests of the
Corporation to amend Section 5(h) of the 1990 Plan to resolve any potential
ambiguity and provide that upon the death of an optionholder following his or
her retirement, the optionholder's executor, administrator, or estate shall be
able to exercise any then unexercised options within the earlier of the
expiration period of such option or 13 months from the date of death.

      NOW, THEREFORE, BE IT RESOLVED, that Section 5(h) of the 1990 Plan shall
be amended and that the Fifth Amendment to the 1990 Plan, as presented to this
Board and as indicated on Exhibit A attached hereto, be, and hereby is, adopted
and approved.

      FURTHER RESOLVED, that the proper officers of the Corporation are
authorized to take such actions or make such findings as determined, in their
discretion, to be necessary or beneficial to effectuate these Resolutions.
<PAGE>
                                   EXHIBIT A

            FIFTH AMENDMENT TO THE HUNTINGTON BANCSHARES INCORPORATED
                             1990 STOCK OPTION PLAN

            Section 5(h) of the Huntington Bancshares Incorporated 1990 Stock
Option Plan is hereby amended by deleting Section 5(h) in its entirety and
replacing it with the following:

      "Upon the death of any Optionholder (i) while in the employ of the
Company, or (ii) after his or her retirement from the employ of the Company
under one or more of the retirement plans of the Company, prior to the exercise
in full of any option granted to such Optionholder, the Optionholder's executor,
administrator or such other person or persons to whom the option shall pass by
testamentary transfer, bequest or by the operation of the laws of descent and
distribution, may exercise any option then unexercised in full within the period
ending upon the earlier of the expiration date of the option or date thirteen
months after death, and may then purchase all or any part of the shares subject
to the option, whether or not such option is then exercisable in full pursuant
to its terms."<PAGE>
                                                                  EXHIBIT 10 (c)

              FIRST AMENDMENT TO HUNTINGTON BANCSHARES INCORPORATED
                   AMENDED AND RESTATED 1994 STOCK OPTION PLAN

      Effective as set forth below, the Huntington Bancshares Incorporated
Amended and Restated 1994 Stock Option Plan shall be amended as follows:

      1. Effective for exercises after June 30, 2000, Section 8(e) of the 1994
Plan is hereby amended and restated in its entirety to read as follows:

            (e) Upon the exercise of any option, the Optionholder shall be
      required to pay, or make satisfactory provision for payment, to HBI of an
      amount equal to any tax which HBI is required to withhold under any
      federal, state or local tax laws in connection with the exercise of any
      option granted under this Plan. The Optionholder may satisfy this
      obligation, in whole or in part, with respect to any option exercised by
      making an election ("Election") at the time the Optionholder provides
      written notice of exercise to HBI pursuant to Section 8(b) above to either
      (i) have HBI withhold from the shares otherwise to be delivered on the
      exercise of the option that number of shares of HBI having a fair market
      value equal to the amount of the withholding requirement, or (ii) to
      deliver to HBI sufficient shares of HBI having a fair market value equal
      to the amount of the withholding requirement. Such shares shall be valued
      at their fair market value on the date that income from the exercise of
      such option becomes taxable ("Tax Date"). At the time of making an
      Election, the Optionholder may certify to the Committee the rates (which
      shall not exceed the maximum Federal and the maximum state statutory rates
      applicable to the income of individuals for the year in which Tax Date
      occurs, exclusive of any effect that losses of deduction or credits at
      various income levels may have on such Optionholder's taxes) at which the
      Optionholder, upon adequate investigation, expects his or her income from
      the shares to be taxed and requests that withholding with respect to
      Federal and state income taxes be made at such rates. Notwithstanding
      anything herein to the contrary, for exercises of options after June 30,
      2000, an Optionholder may not make an Election that would (i) require HBI
      to withhold from the shares otherwise to be delivered upon exercise, or
      (ii) require HBI to accept shares of HBI, in an amount that is in excess
      of the tax which HBI is required to withhold based on the minimum
      statutory withholding rates for federal, state and local tax purposes,
      including payroll taxes, that are applicable to such supplemental taxable
      income resulting from the exercise of any option granted under this Plan.
      Delivery of or withholding of fractional shares shall not be permitted.

            Upon receipt of payment of the exercise price or written direction
      with respect to such exercise price and upon payment or satisfactory
      provision for payment of any taxes due on the exercise of any option, HBI
      shall issue and deliver to the person exercising the option a certificate
      or certificates for the shares with respect to which the option shall have
      been so exercised (less any shares withheld in payment of the exercise
      price or any withholding requirement), dated as of the date of exercise.

      2. Effective as of May 17, 2000, the beginning phrase of the second
sentence of Section 7(e) of the 1994 Plan is hereby amended to read
"Notwithstanding the second paragraph of Section 7(b)."<PAGE>
                                                                  EXHIBIT 10 (d)

                       HUNTINGTON BANCSHARES INCORPORATED

                           BOARD OF DIRECTORS MEETING
                                 AUGUST 15, 2001

                                       RE:
 SECOND AMENDMENT TO THE AMENDED AND RESTATED HUNTINGTON BANCSHARES INCORPORATED
                             1994 STOCK OPTION PLAN

      WHEREAS, the Board of Directors and shareholders of Huntington Bancshares
Incorporated (the "Corporation") previously adopted and established the Amended
and Restated Huntington Bancshares Incorporated 1994 Stock Option Plan (the
"1994 Plan") which provides for the grant to eligible employees of the
Corporation or its subsidiaries of options to purchase shares of common stock,
without par value, of the Corporation;

      WHEREAS, Section 2(xii) of the 1994 Plan currently defines "Other
Termination" to include a termination of employment following a Change in
Control or a disposition other than in a Change in Control of substantially all
of the stock or assets of the Corporation;

      WHEREAS, Section 10(a) of the 1994 Plan provides that this Board of
Directors may at any time and from time to time amend the 1994 Plan;

      WHEREAS, this Board deems it desirable and in the best interests of the
Corporation, effective August 15, 2001, to amend Section 2(xii) of the 1994 Plan
to allow the Compensation and Stock Option Committee (the "Committee") the
discretion to determine such other events not in the ordinary course of business
that will be treated as an "Other Termination" for non-executive officer
employees of the Corporation for purposes of the 1994 Plan. For purposes of this
provision, "non-executive officer employees" means employees who are not Section
16 reporting persons under the Securities Exchange Act of 1934, as amended.

      NOW, THEREFORE, BE IT RESOLVED, that, effective August 15, 2001, Section
2(xii) of the 1994 Plan shall be amended and that the First Amendment to the
1994 Plan, as presented to this Board and as indicated on Exhibit A attached
hereto, be, and hereby is, adopted and approved.

      FURTHER RESOLVED, that the proper officers of the Corporation are
authorized to take such actions or make such findings as determined, in their
discretion, to be necessary or beneficial to effectuate these Resolutions.
<PAGE>
                                   EXHIBIT A

            FIRST AMENDMENT TO THE HUNTINGTON BANCSHARES INCORPORATED
                   AMENDED AND RESTATED 1994 STOCK OPTION PLAN

            Effective August 15, 2001, Section 2(xii) of the Huntington
Bancshares Incorporated Amended and Restated 1994 Stock Option Plan is hereby
amended by deleting Section 2(xii) in its entirety and replacing it with the
following:

      "(xii) "Other Termination" shall mean the termination of the employment or
the directorship of an Optionholder, as the case may be, for any reason
following: (i) a Change in Control, (ii) the disposition other than in a Change
in Control, directly or indirectly, of substantially all of the stock or assets
of the Company to any person or entity other than the Company, or (iii) for
non-executive officer employees only, any event occurring not in the ordinary
course of business which the Committee determines, in its discretion,
constitutes an event that shall be treated as an Other Termination for purposes
of this Section 2(xii). For purposes of this provision, "non-executive officer
employees" means employees who are not Section 16 reporting persons under the
Securities Exchange Act of 1934, as amended."

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