b'Voice Credit Card Terms and Conditions\nTHE VOICE CREDIT CARD CARDHOLDER AGREEMENT (WHICH WILL BE INCLUDED IN THE CARD PACKAGE IF YOU ARE\nAPPROVED) INCLUDES AN ARBITRATION PROVISION AND A JURY TRIAL WAIVER. IF A DISPUTE BETWEEN YOU AND US\nIS ARBITRATED, THE ARBITRATION PROVISION, UNLESS REJECTED BY YOU WILL SUBSTANTIALLY AFFECT YOUR\nRIGHTS, INCLUDING YOUR RIGHT TO HAVE A COURT OR JURY TRIAL OR TO BRING, JOIN IN OR PARTICIPATE IN CLASS\nPROCEEDINGS. IF THE DISPUTE IS NOT ARBITRATED, THE JURY TRIAL WAIVER WILL ELIMINATE YOUR RIGHT TO A\nTRIAL BY JURY IN COURT. HOWEVER, THE ARBITRATION PROVISION AND JURY TRIAL WAIVER WILL NOT APPLY TO THE\nEXTENT THAT YOU ARE A \xe2\x80\x9cCOVERED BORROWER\xe2\x80\x9d PROTECTED BY THE MILITARY LENDING ACT.\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nRewards Option\n\nLower Rate Option\n\n11.99% - 25.99%\n\n9.99% - 23.99%\n\nBased on your creditworthiness.\n\nBased on your creditworthiness.\n\nThese APRs will vary with the market based on the Prime Rate.\xc2\xb9\nAPR for Balance Transfers\n\n0.00% Introductory APR for the first\n12 billing cycles following account\nopening on any balance transfer made\nwithin the first 90 days following\naccount opening\xc2\xb2. After that, your\nAPR will be at or between:\n\n0.00% Introductory APR for the first\n12 billing cycles following account\nopening on any balance transfer made\nwithin the first 90 days following\naccount opening\xc2\xb2. After that, your\nAPR will be at or between:\n\n11.99 % - 25.99%\nBased on your creditworthiness.\n\n9.99 % - 23.99%\nBased on your creditworthiness.\n\nThese APRs will vary with the market based on the Prime Rate.\xc2\xb9\nAPR for Cash Advances\n\n23.99% - 28.99%\xc2\xb3\nThese APRs are based on your creditworthiness and will vary with the market\nbased on the Prime Rate.\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 21 days after the close of each billing cycle. We will\nnot charge you interest on purchases if you pay your entire balance by the due\ndate each month. We will begin charging interest on cash advances and balance\ntransfers on the transaction date.\n\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nIf you are charged interest, the charge will be no less than $1.00\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore .\n\nFees\nAnnual Fee\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\nNone\nThe greater of $10.00 or 3% of the amount of each Balance Transfer.\nThe greater of $10.00 or 3% of the amount of each Cash Advance\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nFORM: RRCARDSCHUMERBOXCUSTSTAT (01/21)\n\nUp to $40\n\n1 of 3\n\n\x0cHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your\naccount agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\naccount agreement.\n\xc2\xb9 For the Rewards Option, we add a margin of between 8.74% and 22.74 % to the Prime Rate to determine the\nPurchase/Balance Transfer APR. For the Lower Rate Option, we add a margin of between 6.74 % and 20.74 % to the Prime\nRate to determine the Purchase/Balance Transfer APR.\n\xc2\xb2 Loss of Introductory Rate: We may end your introductory APR and apply the post-introductory Purchase/Balance\nTransfer APR if all or part of your required minimum monthly payment is more than 60 days late.\n\xc2\xb3 We add a margin of between 20.74 % and 25.74 % to the Prime Rate to determine the Cash Advance APR.\nIf you transfer a balance at the introductory rate, any purchases you make with your card will be charged interest unless\nyou pay the entire balance (including any transferred balances) in full each month, by the payment due date.\nThis information is accurate as of 09/2021 and is subject to change after this date. For current information please contact\nHuntington National Bank at PO Box 1558, Columbus, OH 43272 or call us at 1-800-480-BANK for any changes.\nVariable APRs Based on Prime. If any APR is based on the U.S. Prime Rate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d), the APR will equal the Prime Rate\nplus the additional amount shown above. If the Prime Rate increases, it will cause the APR to increase. If the Prime Rate\ndecreases, it will cause the APR to decrease. For each billing period we use the Prime Rate published in The Wall Street\nJournal two business days before the Statement Closing Date. If the Prime Rate causes an APR to change, we put the new\nAPR into effect as of the first day of the billing period for which we calculate the APR. We apply the new APR to any\nexisting balances, subject to any promotional rate that may apply. If The Wall Street Journal does not publish the Prime\nRate, we will use a similar published rate.\nChanges: We may add, change or delete the terms of your Account (including, but not limited to, Annual Percentage Rate\nand other significant changes). If notice is required, it will be mailed to you at least forty-five (45) days prior to the\neffective date of the change. Notice may also include a statement of your right to cancel the Account prior to the effective\ndate of the change.\nApplication Terms: You hereby request a Huntington Credit Card. This application is subject to the approval of, and any\ncredit will be extended by, The Huntington National Bank (referred to as "we", "us", "our") 41 South High Street, Columbus,\nOhio. You certify that you have answered the questions in this application fully and truthfully, and that you have not\nomitted any material information.\nObtaining Consumer Reports and Sharing Information: We may obtain credit or other consumer reports on you, check\nyour credit and verify with others information you provide in connection with this application. We may report our credit and\nother experience with you to consumer reporting agencies and others who we determine have a legitimate need for the\ninformation.\nVoice Consumer Credit Card Rewards Program\nThe Voice Consumer Credit Card Rewards Terms and Conditions govern the Voice Consumer Credit Card Rewards program\nand are available at https://www.huntington.com/account-disclosures .\nThe Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers,\nand that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights\nCommission administers compliance with this law.\nNotice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement or court\ndecree adversely affects our rights, unless you give us a copy of such agreement, statement or court order before we grant\nyou credit, or we have actual knowledge of the adverse obligation. All obligations on this account will be incurred in the\ninterest of your marriage or family. You understand that we may be required to give notice of this account to your spouse.\nIf the credit card for which you are applying is granted, you will notify the Bank if you have a spouse who needs to receive\nnotification that credit has been extended to you.\nNew York Residents: New York residents may contact the New York State Department of Financial Services at\n1-800-342-3736 or go to www.dfs.ny.gov to obtain a comparative list of credit card rates, fees, and grace periods.\n2 of 3\n\n\x0cMember FDIC.\n\n, Huntington\xc2\xae, Huntington and Voice Credit Card\xc2\xae are federally registered service marks of Huntington Bancshares\nIncorporated. VoiceSM is a service mark of Huntington Bancshares Incorporated.\n\xc2\xa92021 Huntington Bancshares Incorporated.\n\n\xc2\xae\n\n3 of 3\n\n\x0c\x0cVoice Credit Card Cardholder Agreement\nThank you for opening a Credit Card Account with The Huntington National Bank. This Agreement and your Account\nOpening Disclosures (which are incorporated herein by reference), and any future changes we may make, is your contract\nwith us. It governs the use of your Card and Account.\nDefinitions\nIn this Agreement "you", "your" and "yourself" mean each applicant or co-applicant for the Account, any person responsible\nfor paying the Account, and anyone you authorize to use, access or service the Account.\n"We," "us," "our," and HNB mean The Huntington National Bank.\nYour Account\nYou agree to use your Account in accordance with the terms of this Agreement. You must pay us for all amounts due on\nyour Account, including any interest and fees. Your use of the Account or any payment on the Account indicates your\nacceptance of the terms of this Agreement. Your Account must only be used for lawful transactions.\nCredit Limit\nWe will advise you of the credit limit on your Account. A portion of your credit limit may be available for cash advances. We\nmay increase, decrease, restrict or cancel the credit limit or cash advance limit on your Account at any time, without\nadvance notice. We are not obligated to allow your Account to go over its credit limit.\nTransactions Exceeding Your Credit Limit\nEach time you attempt a transaction which results in your applicable outstanding balance, plus authorizations, exceeding\nyour credit limit, we may: (1) permit the transaction and treat the amount exceeding your credit limit as immediately due, or\n(2) decline the transaction. You are responsible for the total balance on your Account, even if your balance exceeds your\ncredit limit.\nAuthorized Users\nYou may authorize others to use your Account. You may request that we issue Cards to additional users. They are not liable\nfor repayment of this Account, but may use your Account subject to the terms of this Agreement. You authorize us to\ndiscuss your Account with the authorized users, and provide information about your Account to them.\nYou may request spending limits for the Authorized Users on your Account. However, because of systems or administrative\nconsiderations, arrangements with merchants or other business reasons, certain transactions may be processed that\nexceed the limit. For example, a transaction at a merchant (such as a pay-at-the pump gas station, rental car company or\nhotel) might be processed even though it exceeds the limit if authorization is obtained before the merchant notifies us of\nthe final amount of the charge. You are responsible for paying for all transactions on your Account even if they exceed\nyour requested spending limit.\nYou must pay us for all purchases, cash advances, and any other type of transaction made by any Authorized User or\nanyone else that you, or the Authorized User permit to use your Account. You must pay us even if you did not intend to be\nresponsible for those charges. You must notify us if you want to remove an authorized user from your Account. You must\nalso retrieve and destroy any and all Cards in their possession and cancel all of their billing arrangements to the Account.\nCard Use\nPurchases\nYou may purchase or lease goods or services from any merchant that accepts your Card or Account. However, we reserve\nthe right not to honor Quasi Cash or Cash-Equivalent purchases (e.g., Cryptocurrency, money orders, gambling chips, and\nany other items that serve as cash or are convertible to cash).\n1 of 12\n\n\x0cChecks\nWe may provide balance transfer checks and/or cash advance checks for you to use. You may not use either of these to pay\nan amount owed to us under this Agreement or to pay any other Account you may have with us.\nBalance Transfers\nFrom time to time, in our sole discretion, we may offer you the ability to transfer other balances to your Account. We do not\npermit balance transfers from other accounts or loans you may have with us.\nCash Advances\nYou may obtain cash advances on your Account. These advances may be made from automatic teller machines (ATMs),\nbanks, or from cash advance checks and customer-initiated online cash advances. However, we reserve the right not to\nhonor ATM usage at casinos.\nOverdraft Advances\nYou may set up this Account to cover overdrafts on your checking account. If you do, then the terms of this Agreement and\nyour checking account agreement will apply. For purposes of this Agreement, these transactions will be treated as cash\nadvances, subject to the cash advance APR, except that there will be no associated transaction fee.\nAutomatic Charges\nYou may preauthorize reoccurring transactions on your Account. If your Account is suspended, terminated or if we issue\nyou a new credit Card number, you will need to contact any person(s) with whom you have authorized these preauthorized\nreoccurring transactions to make sure they are not interrupted.\nPromotions\nFrom time to time we may make special offers related to your Account. These offers are subject to the terms of this\nAgreement unless otherwise detailed on or with the promotional offer itself.\nForeign Transactions and Exchange Rate\nIf you make a transaction in a foreign currency, the transaction will be converted by Mastercard International into a U.S.\ndollar amount in accordance with the Mastercard operating regulations or conversion procedures. Mastercard\xe2\x80\x99s currency\nconversion procedure is based on rates observed in the wholesale market or government-mandated rates, where applicable.\nThe currency conversion rate that Mastercard uses for a particular transaction is the rate for the applicable currency on\nthe date that the transaction occurred. However, in limited situations, particularly where transaction submissions to\nMastercard for processing are delayed, the currency conversion rate that Mastercard uses may be the rate for the\napplicable currency on the date that the transaction is processed.\nAuthorization of Transactions\nWe do not guarantee approval of transactions. We may deny any transactions for any reason at our discretion. We are not\nliable for transactions that are not approved. We may limit the number of transactions approved in one day. If we detect\nunusual or suspicious activity, we may suspend your credit privileges.\nIllegal and Online Gambling Transactions\nYou agree not to use your Account for any transaction that is illegal where you live or where the transaction takes place.\nYou must find out if a transaction is legal before you make it. You also agree not to use your Account for any Internet or\nonline gambling transaction, even if it is legal. We may refuse to authorize any illegal, Internet or online gambling\ntransaction. If we do authorize the transaction, you agree to pay us for it unless an applicable law says you may not.\nClosing Your Account\nYou may close your Account by notifying us in writing or over the phone. We may also close your Account or suspend\nAccount privileges at any time and for any reason. We may do this without prior notice to you.\n\n2 of 12\n\n\x0cWe also have the right not to renew your Account upon its expiration.\nIf you or we close your Account, you must still repay the total balance in accordance with the terms of this Agreement. If\nyour Account is closed, you must return each Card to us upon request.\nLost or Stolen Cards, Account Numbers, or Cash Advance and Balance Transfer Checks\nIf we detect suspicious activity on your Account, or have confirmed that your Account information was compromised, we\nmay close, reissue, and/or suspend your Card(s). This may occur with or without advance notice to you.\nYou must contact us if any Card, Account number, or check is lost or stolen. You must also notify us if you think someone\nused or may use them without your permission. You may contact us by calling the telephone number on the back of your\nCard or on your billing statement or by writing us at the address listed on your statement. When you contact us, we may\nrequire you to provide information to help in our investigation. We may require you to provide this information in writing.\nPaying Your Account\nPayment Instructions\nYou must follow the payment instructions on your billing statement. You must pay us in U.S. dollars. You can pay us by\ncheck, money order or electronic payment that is drawn on and honored by a bank in the U.S. Do not send cash. We will\ncredit your payment the same day it is received as long as it is made in accordance with the instructions on your billing\nstatement. Payments containing restrictive words, conditions, limitations or special instructions (including items marked\n\xe2\x80\x9cpaid in full\xe2\x80\x9d) must be sent to a separate address indicated on your billing statement.\nMinimum Payments\nYou must pay us at least the minimum payment due by the payment due date each billing period. The Minimum Payment\nDue each billing period will depend on your APRs and New Balance.\na.\n\nIf all APRs with a balance are 23.49% or lower at the end of any billing period: You must pay the greater of:\n\xe2\x80\xa2\n\n$10; or\n\n\xe2\x80\xa2\n\n2% of the New Balance rounded up or down to the nearest dollar plus (1) any unpaid Minimum Payments Due from\nprevious bills and (2) any amount of your New Balance that exceeds your credit limit and is not already included as\npart of any unpaid Minimum Payments Due from previous bills.\n\nHowever, if the New Balance is less than $10, you must pay the New Balance.\nb.\n\nIf any APR with a balance is over 23.49% at the end of any billing period: You must pay $15 plus (1) any interest\naccrued for that billing period, (2) any Balance Transfer Fee and Expedited Payment Fee that has been assessed during\nthat billing period, (3) any unpaid Minimum Payments Due from previous bills and (4) any amount of your New Balance\nthat exceeds your credit limit and is not already included as part of any unpaid Minimum Payments Due from previous\nbills. However, if the New Balance is less than $15, you must pay the New Balance.\n\nInterest-Free Period / Interest Charges\nThere is no period in which you can pay back a Cash Advance, any other transaction treated as a Cash Advance under this\nAgreement, or a balance transfer to avoid incurring a Finance Charge. Interest accrues daily and compounds daily on new\ntransactions, and balances remaining from previous billing cycles. For a cash advance using a check, the date of the\nadvance is the date the check is presented to us or our agent for payment. For all other cash advances, the date of the\nadvance is the date you obtained the advance. For purchases using the Card, there will be no Finance Charge imposed on\nyour purchases in any billing period in which (i) there is no Previous Balance and (ii) payments received and credits issued by\nthe Payment Due Date equal or exceed the New Balance. The Payment Due Date will be determined by us, but will be at\nleast 21 days after the Statement Closing Date shown on your last statement. The number of days between your Statement\nClosing Date and your Payment Due Date (the grace period) may vary from one billing period to another. If we add a\nFinance Charge, we will begin to assess the charge on each purchase from the date of purchase.\nPayment Allocation\n\n3 of 12\n\n\x0cWe reserve the right to apply payments equal to or less than the required minimum payment amount in a manner of our\nchoosing, which may result in balances subject to lower interest rates being paid prior to other balances. This may result in\nhigher interest charges.\nAny payment you make in excess of the required Minimum Payment Due will be allocated to your Account as required by\napplicable law.\nCredit Balances\nWe may reject and return any payment that creates a credit balance on your Account. Any credit balance we allow will not\nbe available until we confirm that your payment has been cleared. You may request a refund of credit balances at any time.\nWe may reduce the amount of any credit balance by any new transactions billed to your Account.\nAlternate Payment Methods\nWe may offer alternative payment methods, through a customer service representative, which would allow you to make\nexpedited payments to your Account over the telephone, through the Internet or other payment system. We will describe\nthe terms for using these services before you use them. We may charge a fee for these services. You do not have to use\nthese alternative payment methods however, if you do choose to use an alternative payment method, we will disclose the\nthen current fee amount to you before you authorize your payment.\nAverage Daily Balance Method (Including New Purchases)\nWe calculate separate Balances Subject to an Interest Rate for each type of transaction associated with your Account.\n\nRate We Charge\nWe calculate interest for each billing period by multiplying the average daily balance for each transaction type times the\napplicable daily periodic rate and then multiplying that result by the number of days in the billing cycle. The applicable daily\nperiodic rate is 1/365th (rounded up to the nearest hundred thousandth) of the annual percentage rate for the transaction\ntype in effect for the billing period. We add all the interest charges for each transaction type and round to the nearest\npenny, to get your total interest charges for that billing period. The daily periodic rates and annual percentage rates\ngenerally applicable to purchases, balance transfers and cash advances are shown on your Account Opening Disclosures.\n\nAverage Daily Balance\na.\n\nEnding Daily Balance. To get the average daily balance, we first determine the ending daily balance each day. To do\nthis:\n\xe2\x80\xa2\n\nWe start with the ending daily balance from the previous day.\n\n\xe2\x80\xa2\n\nWe then add to the balance:\n\n\xe2\x80\xa2\nb.\n\n\xe2\x80\xa2\n\nAn interest charge equal to the applicable daily periodic rate multiplied by the ending balance from the prior\nday (known as compounding of interest) and\n\n\xe2\x80\xa2\n\nAny new transactions or other debits (including, if applicable, any transaction fees, other fees and unpaid\ninterest charges).\n\nWe then subtract from each balance, as applicable, the new day\xe2\x80\x99s payments and credits, and treat any net credit\nbalance as a zero balance.\n\nAveraging Method. We then add together the ending daily balances for each day in the billing period. We then divide\nthe total for each transaction type by the number of days in that billing period. This gives us the average daily balance.\n\nWhen We Add Each Transaction Type to Your Balance\nWe add purchases, balance transfers requested at application, or by phone, and cash advances as of the date of the\ntransaction.\nWe add cash advance checks or balance transfer checks as of the date they are presented to us for payment.\nWe add fees either on the date of a related transaction, the date they are posted to your Account, or the last day of the\nbilling period, whichever we may choose.\n4 of 12\n\n\x0cThe Balance Subject to Interest Rate for each type of transaction shown on your billing statement is the sum of the daily\nbalances for that type of transaction divided by the number of days in the billing period.\nWe may use mathematical formulas that produce equivalent results to calculate the Balance Subject to Interest Rate,\ninterest charges and related amounts.\nMinimum Interest\nWe will charge you a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is due.\nHow to Calculate Variable Rates\nVariable rate APRs are calculated by adding together the Prime Rate and the margin set forth in your Account Opening\nDisclosures. If the Prime Rate increases, it will cause the APR to increase. If the Prime Rate decreases, it will cause the APR\nto decrease. For each billing period we use the Prime Rate published in The Wall Street Journal two business days before\nthe Statement Closing Date. If the Prime Rate causes an APR to change, we put the new APR into effect as of the first day\nof the billing period for which we calculate the APR. We apply the new APR to any existing balances, subject to any\npromotional rate that may apply. If The Wall Street Journal does not publish the Prime Rate, we will use a similar published\nrate.\nEffect of APR Increases\nIf an APR increases, interest charges will increase. Your minimum payment may increase as well.\nDisclosures for "Covered Borrowers" under the Military Lending Act, 10 U.S.C. \xc2\xa7 987("MLA")\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions of\nconsumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not\nexceed an Annual Percentage Rate of 36 percent. This rate must include, as applicable to the credit transaction or account:\nThe costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit\ntransaction; any application fee charged (other than certain application fees for specified credit transactions or accounts);\nand any participation fee charged (other than certain participation fees for a credit card account).\nIn addition, you received the Voice Credit Card Terms and Conditions which provides disclosures around the terms and\nconditions of your Card. Finally, please refer to both the Voice Credit Card Terms and Conditions and the Voice Credit Card\nCardholder Agreement (page 3 \xe2\x80\x9cMinimum Payments\xe2\x80\x9d) for your payment obligations under your Account.\nMLA Oral Disclosure Statement \xe2\x80\x93 Under the MLA, you have the right to receive certain disclosures orally. You can receive\nthe required MLA oral disclosures by calling 866-278-4848 a toll free phone number.\n\nFees\nLate Fee\nYou agree to pay a late fee up to the amount set forth in your Account Opening disclosures if you do not pay us at least the\nMinimum Payment Due for each billing period or if we receive your payment after the Payment Due Date shown on your\nbilling statement.\nBalance Transfer Fee\nFor each balance transfer, you agree to pay a transaction fee equal to the amount set forth in your Account Opening\nDisclosures.\nCash Advance Fee\nFor each cash advance, you agree to pay a transaction fee equal to the amount set forth in your Account Opening\nDisclosures.\nResearch/Documentation Charges\n\n5 of 12\n\n\x0cYou agree to pay $5.00 for each copy of a sales draft, credit slip, or billing statement that you request from us and $25.00\nper hour for any Account research that you request from us. However, we will not assess these charges if your request is\nbased upon a billing error and you follow the procedures provided in the billing rights section of this Agreement.\nExpedited Delivery Fee\nYou agree to pay a fee if you request and we agree to arrange for expedited delivery of any Card or check to you (for\nexample, by an overnight delivery service). We will disclose the amount of this fee at the time you request this service. If\nyou then confirm and we honor your request, we will charge the fee disclosed at the time of the request.\nAnnual Statement Fee\nYou agree to pay a fee of $15 to provide you with an annual summary statement showing your Account activity for the\ncalendar year.\n\nRelationship Information\nCommunications\nUntil your Account is finally settled, you give direct and express consent to receive communications regarding your Account\nto us, any servicers and any collectors of your Account, through various means such as (1) any cell, landline, or text number\nthat you provide, (2) any e-mail address that you provide, (3) auto dialer systems, (4) recorded messages, and other forms\nof communications. Further, you agree that any such communications are not unsolicited for purposes of any state or\nfederal law.\nTelephone Monitoring\nAs part of our continuing effort to maintain a high quality of service to our customers, telephone communications with you\nmay be monitored and recorded. You agree that monitoring and/or recording may be done and that no additional notice to\nyou or additional approval from you is needed. Please inform all persons authorized to use this Account, those acting on\nyour behalf, or anyone making payments on this Account, of this provision.\nAlert and Text Services\nSome accounts include access to mobile text messaging related services (\xe2\x80\x9cText Services\xe2\x80\x9d) and/or e-mail and mobile text\nmessaging alerts (\xe2\x80\x9cAlerts\xe2\x80\x9d). You agree that we may send mobile text messages to you through your communication service\nprovider, as your agent, using any telephone number or e-mail address or other delivery location you have provided or we\nhave in our records.\nThe Text Services and Alerts are provided for your convenience and do not replace your monthly Account statement(s),\nwhich are the official record of your Account. You understand and agree these services may not be encrypted and may\ninclude personal or confidential information about you such as your Account activity or the status of your Account.\nMessages may be delayed or impacted by factor(s) outside of our control. We are not responsible in those cases or for\nlosses or damages arising from any disclosure of Account information to third parties, non-delivery, delayed delivery,\nmisdirected delivery or mishandling of, or inaccurate content in, the messages sent through the Text Services and Alerts.\nYou agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and\nexpenses (including reasonable attorneys\xe2\x80\x99 fees to the extent not prohibited by applicable law) arising from your provision\nof a phone number, e-mail address, or other delivery location that is not your own or your violation of applicable federal,\nstate or local law, regulation or ordinance. Your obligation under this paragraph shall survive after your Account is closed.\nYou are responsible for any and all charges, including, but not limited to, fees associated with text messaging imposed by\nyour communications service provider.\n\na. HNB Text Services and Alerts- Message and data rates may apply. Such charges include those from your\n\ncommunications service provider. Message frequency depends on user preferences. To cancel the Text Services,\nsend STOP to 446622 at any time. For help or information on the Text Services, send HELP to 446622. For\nadditional assistance with the Text Services, contact customer service at (800) 480-2265.\n\n6 of 12\n\n\x0cb. Huntington Confirm It-In addition to the Text Services indicated above, HNB provides Confirm It Fraud Alerts for your\nVoice Credit Card. Confirm It is a free service that automatically notifies you of suspicious activity on your credit card\naccounts via text, email and/or automated phone call. You will not be charged for Confirm It texts. Message frequency\nvaries and depends on card use.\n\nMobile carriers are not liable for delayed or undelivered messages. For more information, call (800) 340-4165. Please\nnote: You can opt out of Confirm It texts and/or automated phone calls at any time. Opting out applies to your credit card\nAccount and all cards associated with that Account. To opt out of receiving Confirm It texts, text STOP to 49847. By\ntexting STOP to 49847, you agree to one additional confirmation message stating you have opted out and will no longer\nreceive messages from Huntington Confirm It. For help, text HELP to 49847. To opt out of automated phone call fraud\nalerts, call (800)340-4165.\nCredit Information\nYou authorize us to obtain reports from consumer reporting agencies in connection with your application and any resulting\nAccount, including for update, review, renewal, extension, or collection of amounts owed on the Account. You also agree\nthat we may furnish information about you and your Account to consumer reporting agencies and others who are permitted\nby law to receive it. If you believe the Account information we reported to a consumer reporting agency is inaccurate, you\nmay write to us at the address provided on the credit report from the consumer reporting agency. Your written dispute\nmust provide sufficient information to locate the Account and why you believe the information is inaccurate. If available,\nprovide a copy of the section of the credit report showing the Account information you are disputing.\nDefault\nYou will be in default if you fail to make any payment when due, exceed your credit limit, die, become a subject of\nbankruptcy or insolvency proceedings, do not comply with any of the terms of this Agreement, or if you have provided false\ninformation to obtain or maintain this Account. If you are in default, we may, in our sole discretion, declare all amounts you\nowe to be immediately due and payable, prohibit any further transactions on your Account, cancel the Cards, and revoke\nany privileges associated with the Cards. In the event of default, you agree to destroy and/or return all Cards to us or our\ndesignee upon demand. If you are in default, we may, in our sole discretion, refuse to pay any of your cash advance or\nbalance transfer checks that are presented to us. If we decide to honor such checks, you will owe us the amount of such\nchecks under the terms of this Agreement.\nGoverning Law\nTHIS AGREEMENT IS GOVERNED BY OHIO LAW AND APPLICABLE FEDERAL LAW. THIS IS THE LAW WE ARE SPEAKING OF\nWHEN WE REFER TO A TERM PERMITTED OR REQUIRED BY APPLICABLE LAW.\nChange in Terms\nWe may add, change or delete the terms of your Account (including, but not limited to, Annual Percentage Rate and\nother significant changes). If notice is required, it will be mailed to you at least forty-five (45) days prior to the\neffective date of the change. Notice may also include a statement of your right to cancel the Account prior to the\neffective date of the change.\nAssignment\nYour rights under this Agreement cannot be transferred by you, by operation of law, or otherwise, but your obligations shall\nbe binding upon your estate or personal representatives. We may transfer or assign your Account, and/or this Agreement,\nor any of our rights under this Agreement, to another person or entity at any time without prior notice to you or your\nconsent.\nNo Waiver of Rights\nWe can delay enforcing our rights under this Agreement without losing them. We can accept late payments, partial\npayments or checks and money orders marked as being payment in full without losing any rights under this Agreement.\n\n7 of 12\n\n\x0cYour Billing Rights; Keep This Notice For Future Use.\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nHuntington National Bank \xe2\x80\x93 Dispute Resolution\nPO Box 1558 GW4W61\nColumbus, OH 43216\nIn your letter, give us the following information:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nAccount information: Your name and Account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If you think there is an error on your bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\n\nYou must contact us:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWithin 60 days after the error appeared on your statement.\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount\nyou think is wrong.\n\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any\npotential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we\nhave already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is\ncorrect.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWe cannot try to collect the amount in question, or report you as delinquent on that amount.\nThe charge in question may remain on your statement, and we may continue to charge you interest on that amount.\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\nWe can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nIf we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\nIf we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest\nand fees. We will send you a statement of the amount you owe and the date payment is due. We may then report\nyou as delinquent if you do not pay the amount we think you owe.\n\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We\nmust tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when\nthe matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is\ncorrect.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\n\n8 of 12\n\n\x0cIf you are dissatisfied with the goods or services that you have purchased with your credit Card, and you have tried in good\nfaith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on\nan advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit Card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses your credit Card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:\nHuntington National Bank \xe2\x80\x93 Dispute Resolution\nPO Box 1558 GW4W61\nColumbus, OH 43216\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we\nwill tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\nArbitration Agreement\nARBITRATION PROVISION. Arbitration is a method of resolving disputes in front of an arbitrator instead of having a trial in\ncourt in front of a judge or jury. An \xe2\x80\x9carbitrator\xe2\x80\x9d is a neutral person from one of the organizations listed below who will\ndecide the dispute. This Arbitration Provision governs when and how disputes between you and us will be arbitrated if a\ndispute arises and you or we choose to arbitrate the dispute instead of having a court or jury resolve the dispute.\nREAD THIS ARBITRATION PROVISION CAREFULLY. IF YOU DO NOT REJECT THIS ARBITRATION PROVISION AS SET\nFORTH BELOW, IT WILL BE PART OF THIS AGREEMENT AND WILL HAVE A SUBSTANTIAL IMPACT ON THE WAY YOU OR\nWE WILL RESOLVE ANY CLAIM WHICH YOU OR WE HAVE AGAINST EACH OTHER NOW OR IN THE FUTURE. YOUR RIGHT\nTO REJECT: If you don\xe2\x80\x99t want this Arbitration Provision to apply, you may reject it by sending us a written Arbitration\nRejection Notice which (a) states that you (or both or all of you, if more than one) wish to reject the Arbitration\nProvision; (b) states your name, address and Account number; (c) is signed by you and any other person who is\nrejecting the Arbitration Provision; and (d) is sent by certified mail, return receipt requested, to [The Huntington\nNational Bank, EA4W25 - Credit Card Arbitration, P.O Box 1558, Columbus, Ohio 43272.] Upon receipt of this notice,\nwe will credit your Account for the standard cost of a certified letter. These are the only procedures you can use to\nreject the Arbitration Provision. An Arbitration Rejection Notice is only effective if it is signed by you (all of you, if\nmore than one) and if we receive it within thirty (30) calendar days after the date we first provide you with a credit\nCard Agreement or written notice providing you a right to reject this Arbitration Provision. Your rejection of this\nArbitration Provision will not affect any other provision of this Agreement or your ability to obtain credit. If you reject\nthis Arbitration Provision, that will not constitute a rejection of any prior arbitration provision between you and us.\nEven if you previously rejected an arbitration provision between you and us, you will be bound by this Arbitration\nProvision unless you reject it. PLEASE NOTE THAT THE JURY TRIAL WAIVER, WHICH IS LISTED BELOW, IS NOT PART OF\nTHIS ARBITRATION PROVISION. REJECTING THIS ARBITRATION PROVISION WILL NOT ACT AS A REJECTION OF THE\nJURY TRIAL WAIVER.\n(a) Parties Subject to Arbitration \xe2\x80\x93 Special Definitions: Solely as used in this Arbitration Provision (and not elsewhere in\nthis Agreement), the terms \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d mean (a) The Huntington National Bank (the "Bank"), any parent, subsidiary or\naffiliate of the Bank and the employees, officers and directors of such companies (collectively, the \xe2\x80\x9cBank Parties\xe2\x80\x9d); and (b)\nany other person or company that provides any goods or services in connection with this Agreement if you assert a Claim\nagainst such other person or company in connection with a Claim you assert against any Bank Party.\n(b) What Claims are Covered: "Claim\xe2\x80\x9d means any claim, dispute or controversy between you and us (whether preexisting,\npresent or future) that in any way arises from or relates to this Agreement, your Account, the issuance of any Card, any\nrewards program or any prior Agreement or Account. \xe2\x80\x9cClaim\xe2\x80\x9d includes disputes arising from actions or omissions prior to\nthe date any Card was issued to you, including the advertising related to, application for or approval of the Account. \xe2\x80\x9cClaim\xe2\x80\x9d\nhas the broadest possible meaning, and includes initial claims, counterclaims, cross-claims, third-party claims, federal, state,\nlocal and administrative claims and claims which arose before the effective date of this Arbitration Provision.\n\n9 of 12\n\n\x0cIt includes disputes based upon contract, tort, consumer rights, fraud and other intentional torts, constitution, statute,\nregulation, ordinance, common law and equity and claims for money damages and injunctive or declaratory relief.\n(c) Excluded Claim or Proceeding. Notwithstanding the foregoing, \xe2\x80\x9cClaim\xe2\x80\x9d does not include any dispute about the validity,\nscope or enforceability of this Arbitration Provision or any part thereof (including, without limitation, the Class Action\nWaiver set forth below and this sentence); any such dispute shall be resolved by a court and not by an arbitrator or\nadministrator. However, any dispute about the validity or enforceability of the Agreement as a whole is for the arbitrator,\nnot a court, to decide. In addition, this Arbitration Provision will not apply to (1) any individual action brought by you in\nsmall claims court or your state\xe2\x80\x99s equivalent court, unless such action is transferred, removed, or appealed to a different\ncourt; or (2) any Claims that are the subject of a class action filed in court that is pending as of the effective date of this\nArbitration Provision in which you are alleged to be a member of the putative class for as long as such class action is\npending.\n(d) Arbitration Procedures.\nElecting arbitration. If you or we elect to arbitrate a Claim rather than have a court decide the Claim, the party electing\narbitration must notify the other party in writing. This notice can be given before or after the beginning of a lawsuit or with\nrespect to other Claims brought later in the lawsuit and can be given in papers filed in the lawsuit (for example, a motion by\nthe defendant to compel arbitration of claims asserted by the plaintiff in a lawsuit filed in court). Otherwise, your notice\nmust be sent to [The Huntington National Bank, Credit Card Arbitration, Attention: Customer Service, P.O Box 1558,\nColumbus, Ohio 43272], and our notice must be sent to the most recent address for you in our files. Any arbitration hearing\nthat you attend will take place in a location reasonably convenient to where you reside unless you and we agree otherwise.\nIf a party files a lawsuit in court asserting Claim(s) that are subject to arbitration and the other party files a motion to\ncompel arbitration with the court which is granted, it will be the responsibility of the party asserting the Claim(s) to select\nan arbitration administrator pursuant to the paragraph below and start the arbitration proceeding in accordance with the\nadministrator\xe2\x80\x99s rules and procedures.\nArbitration administrators and rules. The arbitration administrator will be: American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d),\n1633 Broadway, 10th Floor, New York, NY 10019, www.adr.org, 1-800-778-7879; or JAMS, 620 Eighth Avenue, 34th\nFloor, New York, NY 10018, www.jamsadr.com, 1-800-352-5267. You may contact these organizations directly if you have\nany questions about the way they conduct arbitrations or want to obtain a copy of their rules and forms (which are also\navailable on their websites). If the AAA and JAMS are unable or unwilling to serve as administrator, the parties may agree\nupon another administrator or, if they are unable to agree, a court shall select the administrator or arbitrator. No person or\ncompany may serve as arbitrator or administrator, without the consent of all parties, if he, she or it adopts or has in place\nany formal or informal policy that is inconsistent with and purports to override the terms of the Class Action Waiver in this\nArbitration Provision.\nThe arbitrator. A single arbitrator will be appointed by the administrator and must be a practicing attorney with ten or\nmore years of experience or a retired judge.\nWhat law the arbitrator will apply. The arbitrator will not be bound by judicial rules of procedure and evidence that would\napply in a court, or by state or local laws that relate to arbitration proceedings. The arbitrator will apply the same statutes\nof limitation and privileges that a court would apply if the matter were pending in court. In determining liability or awarding\ndamages or other relief, the arbitrator will follow the applicable substantive law, consistent with the Federal Arbitration\nAct ("FAA"), that would apply if the matter had been brought in court. The arbitrator may award any damages or other relief\nor remedies that would apply under applicable law to an individual action brought in court, including, without limitation,\npunitive damages (which shall be governed by the Constitutional standards employed by the courts) and injunctive,\nequitable and declaratory relief (but only in favor of the individual party seeking relief and only to the extent necessary to\nprovide relief warranted by that party\xe2\x80\x99s individual claim). The arbitrator will have the authority to award fees and costs of\nattorneys, witnesses and experts to the extent permitted by this Agreement, the administrator\xe2\x80\x99s rules or applicable law.\nWith respect to Claim(s) asserted by you in an individual arbitration, we will pay your reasonable attorney, witness and\nexpert fees and costs if and to the extent you prevail, if applicable law requires us to or if we must bear such fees and costs\nin order for this Arbitration Provision to be enforced. We will not ask you to pay or reimburse us for any of our attorney,\nexpert and witness fees in connection with the arbitration, regardless of which party prevails in the arbitration.\nArbitration costs. At your written request, we will pay all filing, hearing and/or other fees charged by the administrator and\narbitrator to you for Claim(s) asserted by you in an individual arbitration after you have paid an amount equivalent to the\nfee, if any, for filing such Claim(s) in state or federal court (whichever is less) in the judicial district in which you reside. (If\nyou have already paid a filing fee for asserting the Claim(s) in court, you will not be required to pay that amount again).\n\n10 of 12\n\n\x0cIn addition, the administrator may have a procedure whereby you can seek a waiver of fees charged to you by the\nadministrator and arbitrator. We will pay any fees or expenses that we are required to pay by law or the administrator\xe2\x80\x99s\nrules or that we are required to pay for this Arbitration Provision to be enforced.\nRight to discovery. In addition to the parties\xe2\x80\x99 rights to obtain discovery pursuant to the arbitration rules of the\nadministrator, either party may submit a written request to the arbitrator to expand the scope of discovery normally\nallowable under the arbitration rules of the administrator. The arbitrator shall have discretion to grant or deny that\nrequest.\n(e) Federal Arbitration Act. The parties agree and acknowledge that the Agreement evidences a transaction involving\ninterstate commerce and, therefore, a federal statute, the FAA (Title 9 of the United States Code), shall govern the\ninterpretation and enforcement of this Arbitration Provision and proceedings pursuant thereto. To the extent state law is\napplicable under the FAA, the law of the state of Ohio shall apply.\n(f) Class Action Waiver. Notwithstanding any other provision of the Agreement, if either you or we elect to arbitrate a\nClaim, neither you nor we will have the right: (a) to participate in a class action, private attorney general action or\nother representative action in court or in arbitration, either as a class representative or class member; or (b) to join or\nconsolidate Claims with claims of any other persons. No arbitrator shall have authority to conduct any arbitration in\nviolation of this provision or to issue any relief that applies to any person or entity other than you and/or us\nindividually. (Provided, however, that the Class Action Waiver does not apply to any lawsuit or administrative\nproceeding filed against us by a state or federal government agency even when such agency is seeking relief on\nbehalf of a class of borrowers including you. This means that we will not have the right to compel arbitration of any\nclaim brought by such an agency). The parties acknowledge that the Class Action Waiver is material and essential to\nthe arbitration of any disputes between them and is non-severable from this Arbitration Provision. If the Class Action\nWaiver is limited, voided or found unenforceable, then the parties\xe2\x80\x99 Arbitration Provision (except for this sentence)\nshall be null and void with respect to such proceeding, subject to the right to appeal the limitation or invalidation of\nthe Class Action Waiver. The parties acknowledge and agree that under no circumstances will a class action be\narbitrated.\n(g) The Arbitrator\xe2\x80\x99s Decision. At the timely request of either party, the arbitrator shall write a brief explanation of the\ngrounds for the decision. A judgment on the arbitrator\xe2\x80\x99s decision (called the \xe2\x80\x9caward\xe2\x80\x9d) may be entered by any court having\njurisdiction.\n(h) Effect of Arbitration Award; Appeal. The arbitrator\'s award shall be final and binding on all parties, except for any\nright of appeal provided by the FAA. However, if the amount of the Claim exceeds $50,000, any party can, within 14 days\nafter the entry of the award by the arbitrator, appeal the award to a three-arbitrator panel administered by the\nadministrator. The panel shall reconsider anew any aspect of the initial award requested by the appealing party. The\ndecision of the panel shall be by majority vote. Unless the parties agree otherwise, and to the extent feasible, the appeal\nwill be conducted pursuant to or modeled after the JAMS Optional Appeal Procedure, available at\nhttp://www.jamsadr.com/rules-optional-appeal-procedure. Reference in this Arbitration Provision to \xe2\x80\x9cthe arbitrator\xe2\x80\x9d shall\nmean the panel if an appeal of the arbitrator\xe2\x80\x99s decision has been taken. The costs of such an appeal will be borne in\naccordance with the subparagraph above, captioned \xe2\x80\x9cArbitration costs.\xe2\x80\x9d Any final decision of the appeal panel is subject to\njudicial review only as provided under the FAA.\n(i) Notice and Cure; Special Payment. Prior to initiating a Claim, you may send us a written Dispute Claim Notice. In order\nfor a Dispute Claim Notice to be valid and effective, it must: (a) state your name, address and Account number; (b) be signed\nby you; (c) describe the basis of your Claim and the amount you would accept to resolve the Claim; (d) state that you are\nexercising your rights under the \xe2\x80\x9cNotice and Cure\xe2\x80\x9d paragraph of the Arbitration Provision; and (e) be sent to us by certified\nmail, return receipt requested, at [The Huntington National Bank, Credit Card Arbitration, Attention: Customer Service, P.O\nBox 1558, Columbus, Ohio 43272.] This is the sole and only method by which you can submit a Dispute Claim Notice. Upon\nreceipt of a Dispute Claim Notice, we will credit your Account for the standard cost of a certified letter. You must give us a\nreasonable opportunity, not less than 30 days, to resolve the Claim. If, and only if, (i) you submit a Dispute Claim Notice in\naccordance with this paragraph on your own behalf (and not on behalf of any other party); (ii) you cooperate with us by\npromptly providing the information we reasonably request; (iii) we refuse to provide you with the relief you request before\nan arbitrator is appointed; and (iv) the matter then proceeds to arbitration and the arbitrator subsequently determines that\nyou were entitled to such relief (or greater relief), you will be entitled to a minimum award of at least $7,500 (not including\nany arbitration fees and attorneys\xe2\x80\x99 fees and costs to which you will also be entitled).\n\n11 of 12\n\n\x0cWe encourage you to address all Claims you have in a single Deposit Dispute Claim Notice and/or a single arbitration.\nAccordingly, this $7,500 minimum award is a single award that applies to all Claims you have asserted or could have\nasserted in the arbitration, and multiple awards of $7,500 are not contemplated.\n(j) Rules of Interpretation: This Arbitration Provision shall survive (i) the termination or closing of your Account,\n(ii) the termination of any relationship between us, including the termination of this Agreement, and (iii) any bankruptcy of\nany party, to the extent consistent with applicable bankruptcy law. In the event of a conflict between the provisions of this\nArbitration Provision, on the one hand, and any applicable rules of the AAA or JAMS or other administrator used or any\nother terms of this Agreement, on the other hand, the provisions of this Arbitration Provision shall control.\n(k) Severability. If any portion of this Arbitration Provision, other than the Class Action Waiver, is deemed invalid or\nunenforceable, the remaining portions shall nevertheless remain in force.\nJURY TRIAL WAIVER. TO THE EXTENT PERMITTED BY APPLICABLE LAW, IF A DISPUTE IS RESOLVED IN COURT RATHER\nTHAN ARBITRATION, YOU AND WE HEREBY KNOWINGLY, VOLUNTARILY, INTENTIONALLY AND IRREVOCABLY WAIVE\nANY RIGHT TO A TRIAL BY JURY IN RESPECT TO ANY LITIGATION BASED UPON OR ARISING OUT OF THIS AGREEMENT,\nRELATING TO YOUR ACCOUNT, OR ANY OTHER DISPUTE OR CONTROVERSY BETWEEN YOU AND US.\nIF YOU WERE A \xe2\x80\x9cCOVERED BORROWER\xe2\x80\x9d UNDER THE MLA AT THE TIME THE ACCOUNT WAS ESTABLISHED, (I) THE\nABOVE ARBITRATION PROVISION AND JURY TRIAL WAIVER PROVISION, (II) ANY WAIVER OF THE RIGHT TO LEGAL\nRECOURSE UNDER ANY OTHERWISE APPLICABLE PROVISION OF STATE OR FEDERAL LAW AND (III) ANY OTHER\nPROVISION OF THIS AGREEMENT THAT IS NOT ENFORCEABLE AGAINST YOU UNDER THE MLA, WILL NOT APPLY TO\nYOU WHILE YOU REMAIN A \xe2\x80\x9cCOVERED BORROWER.\xe2\x80\x9d\n\nThe Huntington National Bank is Member FDIC. \xc2\xae, Huntington\xc2\xae, Huntington.Welcome\xc2\xae and Voice Credit Card \xc2\xae are federally registered\nservice marks of Huntington Bancshares Incorporated. VoiceSM is a service mark of Huntington Bancshares Incorporated. \xc2\xa92021 Huntington\nBancshares Incorporated.\nFORM: CARDHOLDERARBAGREE (06/21)\n12 of 12\n\n\x0cFACTS\n\nWHAT DOES HUNTINGTON\nDO WITH YOUR PERSONAL INFORMATION?\n\nWhy?\n\nFinancial companies choose how they share your personal information. Federal law gives\nconsumers the right to limit some but not all sharing. Federal law also requires us to tell\nyou how we collect, share, and protect your personal information. Please read this notice\ncarefully to understand what we do.\n\nWhat?\n\nThe types of personal information we collect and share depend on the product or service\nyou have with us. This information can include:\n\xc2\xb7 Social Security number and income\n\xc2\xb7 Payment history and credit scores\n\xc2\xb7 Investment experience and insurance claim history\n\nHow?\n\nAll financial companies need to share customers\xe2\x80\x99 personal information to run their\neveryday business. In the section below, we list the reasons financial companies can\nshare their customers\xe2\x80\x99 personal information; the reasons Huntington chooses to share;\nand whether you can limit this sharing.\n\nReasons we can share your personal\ninformation\n\nDoes\nHuntington\nshare?\n\nCan you limit this\nsharing?\n\nFor our everyday business purposessuch as to process your transactions, maintain your\naccount(s), respond to court orders and legal\ninvestigations, or report to credit bureaus\n\nYes\n\nNo\n\nFor our marketing purposesto offer our products and services to you\n\nYes\n\nNo\n\nFor joint marketing with other financial companies\n\nYes\n\nNo\n\nFor our affiliates\xe2\x80\x99 everyday business purposesinformation about your transactions and experiences\n\nYes\n\nNo\n\nFor our affiliates\xe2\x80\x99 everyday business purposesinformation about your creditworthiness\n\nYes\n\nYes\n\nFor our affiliates to market to you\n\nYes\n\nYes\n\nFor nonaffiliates to market to you\n\nNo\n\nWe don\'t share\n\nTo limit our\nsharing\n\n\xe2\x80\xa2\n\nCall toll-free 1-800-537-0861 \xe2\x80\x93 Our menu will prompt you through your choices.\n\nPlease note:\nIf you are a new customer, we can begin sharing your information 30 days from the\ndate we sent this notice. When you are no longer our customer, we continue to share\nyour information as described in this notice.\nHowever, you can contact us at any time to limit our sharing.\n\nQuestions?\n\nCall toll-free 1-800-480-BANK (2265) or go to huntington.com\n\n\x0cPage 2\n\nWho we are\nWho is providing this notice?\n\nHuntington companies that are financial service providers, such as\nbanks, mortgage companies, vehicle leasing companies, securities\nbrokers, investment advisors and insurance agencies.\n\nWhat we do\nHow does Huntington protect my\npersonal information?\n\nTo protect your personal information from unauthorized access and\nuse, we use security measures that comply with federal law. These\nmeasures include computer safeguards and secured files and\nbuildings.\n\nHow does Huntington collect my\npersonal information?\n\nWe collect your personal information, for example, when you\n\xe2\x80\xa2 Open an account or apply for a loan\n\xe2\x80\xa2 Make deposits or withdrawals from your account\n\xe2\x80\xa2 Apply for insurance or seek advice about your investments\nWe also collect your personal information from others, such as\ncredit bureaus, affiliates, or other companies.\n\nWhy can\xe2\x80\x99t I limit all sharing?\n\nFederal law gives you the right to limit only\n\xc2\xb7 Sharing for affiliates\xe2\x80\x99 everyday business purposes\xe2\x80\x94information\nabout your creditworthiness\n\xc2\xb7 Affiliates from using your information to market to you\n\xc2\xb7 Sharing for nonaffiliates to market to you\nState laws and individual companies may give you additional rights\nto limit sharing. See Page 3 for more on your rights under state law.\n\nWhat happens when I limit\nsharing for an account I hold\njointly with someone else?\n\nYour choices will apply only to you \xe2\x80\x93 unless you tell us otherwise.\n\nDefinitions\nAffiliates\n\nCompanies related by common ownership or control. They can be\nfinancial and nonfinancial companies.\n\xc2\xb7 Our affiliates include companies with a Huntington name and\nfinancial companies, such as banks, mortgage companies, vehicle\nleasing companies, securities brokers, investment advisors, and\ninsurance agencies.\n\nNonaffiliates\n\nCompanies not related by common ownership or control. They can\nbe financial and nonfinancial companies.\n\xc2\xb7 Nonaffiliates we share with can include banks, securities\nbroker-dealers, insurance companies, data processors, software\ncompanies, collection agencies, credit bureaus, marketing\nservice providers, and state and federal government agencies.\n\nJoint marketing\n\nA formal agreement between nonaffiliated financial companies that\ntogether market financial products or services to you.\n\xc2\xb7 Our joint marketing partners include financial institutions with\nwhom we have joint marketing agreements, such as insurance\ncompanies, mutual fund companies, and motor vehicle dealers.\n\n\x0cPage 3\n\nOther important information\nState Disclosures\nIn addition to your rights described below and in this notice, you may have other rights under state laws. We\nwill comply with applicable state laws with respect to our information practices.\nImportant information for Ohio residents that apply for or obtain an insurance product for personal, family, or\nhousehold purposes from a Huntington insurance agency \xe2\x80\x93\nWe may collect personal information from sources other than the persons proposed for insurance coverage\n(see, for example, the "How does Huntington collect my personal information?" section on Page 2). We may\nalso disclose that information, as well as other personal or privileged information subsequently collected, to\nthird parties outside Huntington without your authorization to the extent disclosure is permitted by law. Ohio law\nprovides a right to review and correct personal information that Huntington collects about you. To receive a\nmore detailed description of our information practices, please write to us at: Huntington Customer Information\nServices, Ohio Insurance Information Practices, P.O. Box 1558, HP0700, Columbus, Ohio 43216.\nCalifornia and Vermont Customers have other protections under state law. If your primary mailing address is in\nCalifornia or Vermont, we will not share your credit or financial information that we collect except as permitted\nby law, including, for example, with your consent or to service your account. We will also not use your\ninformation for joint marketing purposes. We do not share customer information with third parties except as\npermitted by law.\nImportant information for Nevada residents \xe2\x80\x93 At any time, you may request to be placed on Huntington\'s\ninternal do-not-call list by calling us toll-free at 1-800-537-0861. Nevada law requires that we provide you with\nthe following contact information to enable you to obtain further information: (i) Huntington Customer\nInformation Services, Nevada Do-Not-Call Information, P.O. Box 1558, EA4W58, Columbus, Ohio 43216,\nPhone: 1-800-480-BANK (2265), Email: privacy@huntington.com, and (ii) Bureau of Consumer Protection,\nOffice of the Nevada Attorney General, 555 E. Washington Street, Suite 3900, Las Vegas, Nevada 89101,\nPhone: 1-702-486-3132, Email: BCPINFO@ag.state.nv.us.\nAffiliates Providing this Notice\n\xc2\xb7\n\xc2\xb7\n\xc2\xb7\n\xc2\xb7\n\xc2\xb7\n\xc2\xb7\n\nThe Huntington National Bank (deposits, loans, trust, credit cards, and other banking services), also using the name\nHuntington Mortgage Group (mortgage lending)\nHuntington LT (vehicle leasing)\nThe Huntington Investment Company (investments)\nHuntington Asset Advisors, Inc. (investment advisory services)\nHuntington Insurance, Inc. (insurance)\nHBI Title Services, Inc. (insurance)\n\n\x0cAdditional Information Collection and Use Disclosures\nYour Choice About\nPromotional Offers\n\nYou may call us toll-free at 1-800-537-0861 to tell us your preferences about receiving\nspecial pricing or other promotional offers from us. If you do that, however, our ability\nto tell you about offers that may benefit you and help you save and invest in your\nfuture may be limited. Whether or not you make this choice, we will still contact you\nfrom time to time about your accounts and provide account mailings to you, such as\nstatements and notices. We may also include special pricing or other promotional\noffers with such account mailings.\n\nCorrecting Errors in\nInformation We Share\nwith Consumer\nReporting Agencies\n\nIf you believe any of the information we share with a consumer reporting agency is in\nerror, please let us know. Write to us at: Huntington Customer Information Services,\nConsumer Reporting Agencies, P.O. Box 1558, EA4W25, Columbus, Ohio 43216.\nPlease provide us with your complete name, current address, phone number and\nSocial Security number. You will also need to include your account number, type of\naccount, the specific item in dispute and other supporting documentation or information\nwe reasonably require. You must tell us the reason you believe this information has\nbeen reported in error.\n\nIdentity Theft\n\nThe law provides certain rights to victims of identity theft. If you believe you are a\nvictim of identity theft with respect to any of your accounts or transactions with us, you\nmay notify us at: Huntington Customer Information Services, Identity Theft, P.O. Box\n1558, EA3W21, Columbus, Ohio 43216. Please provide as much detail as possible\nabout the accounts or transactions in question, including any dates and account or\ntransaction numbers that apply. We may contact you to discuss additional information\nnecessary to resolve the matter. For more information about our identity theft policies\nand practices, please visit huntington.com and type \xe2\x80\x9cID Theft\xe2\x80\x9d in the search box. There\nyou will find helpful information about how to protect yourself. You will also find\nadditional information on what to do if you believe you are a victim of identity theft.\n\nImportant Information\nAbout Procedures for\nOpening a New\nAccount\n\nTo help the Government fight the funding of terrorism and money laundering activities,\nfederal law requires all financial institutions to obtain, verify, and record information\nthat identifies each person who opens an account. What this means for you: When you\nopen an account, we will ask for your name, address, date of birth and other\ninformation that will allow us to identify you. We may also ask to see your driver\xe2\x80\x99s\nlicense or other identifying documents.\n\nFor Our Insurance\nCustomers\n\nFrom time to time, a Huntington insurance agency may review your account and obtain\nadditional quotes on your insurance program to ensure your competitive place in the\nmarket. To perform this service, our quoting carriers will utilize certain consumer report\ninformation, such as motor vehicle reports, claim history reports, and credit reports.\nYou may request that our insurance agencies not provide this service by emailing\ninsurance.compliance@huntington.comor by writing to us at: Huntington Insurance, Insurance\nOpt-Out, P.O. Box 1558, HP0700, Columbus, Ohio 43216. Please include your name,\naddress, telephone numbers, the specific policy numbers and Social Security numbers\non your written request.\n\nMember FDIC.\n\n\xc2\xae and Huntington\xc2\xae are federally registered service marks of Huntington Bancshares Incorporated.\n\n\xc2\xa92021 Huntington Bancshares Incorporated.\n\nFORM: PrivDoc (11/18)\n\n\x0c'