1 of 2Form: RrCardSchumerBoxCustStatOAO (10/19)Annual Percentage Rate (APR)for Purchases Interest Rates and Interest ChargesBased on your creditworthinessAPR for Balance TransfersBased on your creditworthiness13.49% - 27.49%APR for Cash Advances         These APRs are based on your creditworthiness and will vary with the market based on the Prime Rate.3How to Avoid Paying Interest onPurchases Your due date is at least 21 days after the close of each billing cycle. We will not charge youinterest on purchases if you pay your entire balance by the due date each month. We will begincharging interest on cash advances and balance transfers on the transaction date.Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00For Credit Card Tips from theConsumer Financial ProtectionBureauTo learn more about factors to consider when applying for or using a credit card, visit the websiteoftheConsumerFinancialProtectionBureauathttp://www.consumerfinance.gov/learnmore.Annual FeeFeesNone13.49% - 27.49%Based on your creditworthinessBased on your creditworthinessVoice Credit Card Terms and ConditionsTransactions Fees•BalanceTransfer    •   Cash AdvanceThegreaterof$10.00or3%oftheamountofeachBalanceTransfer.Thegreaterof$10.00or3%oftheamountofeachCashAdvanceTHEVOICECREDITCARDCARDHOLDERAGREEMENT(WHICHWILLBEINCLUDEDINTHECARDPACKAGEIFYOUAREAPPROVED)INCLUDESANARBITRATIONPROVISIONANDAJURYTRIALWAIVER.IFADISPUTEBETWEENYOUANDUSISARBITRATED,THEARBITRATIONPROVISION,UNLESSREJECTEDBYYOUWILLSUBSTANTIALLYAFFECTYOURRIGHTS,INCLUDINGYOURRIGHTTOHAVEACOURTORJURYTRIALORTOBRING,JOININORPARTICIPATEINCLASSPROCEEDINGS.IFTHEDISPUTEISNOTARBITRATED,THEJURYTRIALWAIVERWILLELIMINATEYOURRIGHTTOATRIALBYJURYINCOURT.HOWEVER,THEARBITRATIONPROVISIONANDJURYTRIALWAIVERWILLNOTAPPLYTOTHEEXTENTTHATYOUAREA“COVEREDBORROWER” PROTECTED BY THE MILITARY LENDING ACT.11.49% - 25.49% 11.49% - 25.49% 1These APRs will vary with the market based on the Prime Rate.1These APRs will vary with the market based on the Prime Rate.Penalty Fees•LatePaymentUpto$38HowWeWillCalculateYourBalance:Weuseamethodcalled"averagedailybalance(includingnewpurchases)."Seeyouraccount agreement for more details.Rewards OptionLower Rate Option0.00%IntroductoryAPRforthefirst12billingcycles following account opening on any balancetransfer made within the first 90 days followingaccount opening.   After that, your APR will beat or between:0.00%IntroductoryAPRforthefirst12billingcycles following account opening on any balancetransfer made within the first 90 days followingaccount opening.   After that, your APR will beat or between:2225.49% - 30.49%2019

2 of 2LossofIntroductoryRate:WemayendyourintroductoryAPRandapplythepost-introductoryPurchase/BalanceTransferAPRifall or part of your required minimum monthly payment is more than 60 days late.We add a margin of between 20.74% and 25.74% to the Prime Rate to determine the Cash Advance APR.23Member FDIC.          and Huntington    are federally registered service marks of Huntington Bancshares Incorporated.  ©         Huntington Bancshares Incorporated.®®Thisinformationisaccurateasof01/2020andissubjecttochangeafterthisdate.ForcurrentinformationpleasecontactHuntingtonNational Bank at PO Box 1558, Columbus, OH 43272 or call us at 1-800-480-BANK for any changes.VariableAPRsBasedonPrime.IfanyAPRisbasedontheU.S.PrimeRate(“PrimeRate”),theAPRwillequalthePrimeRateplustheadditionalamountshownabove.IfthePrimeRateincreases,itwillcausetheAPRtoincrease.IfthePrimeRatedecreases,itwillcausetheAPRtodecrease.ForeachbillingperiodweusethePrimeRatepublishedinTheWallStreetJournaltwobusinessdaysbeforetheStatementClosingDate.IfthePrimeRatecausesanAPRtochange,weputthenewAPRintoeffectasofthefirstdayofthebillingperiodforwhichwecalculatetheAPR.WeapplythenewAPRtoanyexistingbalances,subjecttoanypromotionalratethat may apply. If The Wall Street Journal does not publish the Prime Rate, we will use a similar published rate.Changes:Wemayadd,changeordeletethetermsofyourAccount(including,butnotlimitedto,AnnualPercentageRateandothersignificantchanges).Ifnoticeisrequired,itwillbemailedtoyouatleastforty-five(45)dayspriortotheeffectivedateofthechange.Notice may also include a statement of your right to cancel the Account prior to the effective date of the change.TheOhiolawsagainstdiscriminationrequirethatallcreditorsmakecreditequallyavailabletoallcreditworthycustomers,andthatcreditreportingagenciesmaintainseparatecredithistoriesoneachindividualuponrequest.TheOhioCivilRightsCommissionadministers compliance with this law.BillingRights:Informationonyourrightstodisputetransactionsandhowtoexercisethoserightsisprovidedinyouraccountagreement.1FortheRewardsOption,weaddamarginofbetween8.74%and22.74%tothePrimeRatetodeterminethePurchase/BalanceTransferAPR.FortheLowerRateOption,weaddamarginofbetween6.74%and20.74%tothePrimeRatetodeterminethePurchase/Balance Transfer APR.ApplicationTerms:YouherebyrequestaHuntingtonCreditCard.Thisapplicationissubjecttotheapprovalof,andanycreditwillbeextendedby,TheHuntingtonNationalBank(referredtoas"we","us","our")41SouthHighStreet,Columbus,Ohio.Youcertifythat you have answered the questions in this application fully and truthfully, and that you have not omitted any material information. ObtainingConsumerReportsandSharingInformation:Wemayobtaincreditorotherconsumerreportsonyou,checkyourcreditandverifywithothersinformationyouprovideinconnectionwiththisapplication.Wemayreportourcreditandotherexperiencewithyou to consumer reporting agencies and others who we determine have a legitimate need for the information.Ifyoutransferabalanceattheintroductoryrate,anypurchasesyoumakewithyourcardwillbechargedinterestunlessyoupaytheentire balance (including any transferred balances) in full each month, by the payment due date.NoticetoMarriedWisconsinResidents:Noprovisionofanymaritalpropertyagreement,unilateralstatementorcourtdecreeadverselyaffectsourrights,unlessyougiveusacopyofsuchagreement,statementorcourtorderbeforewegrantyoucredit,orwehaveactualknowledgeoftheadverseobligation.Allobligationsonthisaccountwillbeincurredintheinterestofyourmarriageorfamily.Youunderstandthatwemayberequiredtogivenoticeofthisaccounttoyourspouse.Ifthecreditcardforwhichyouareapplyingisgranted,youwillnotifytheBankifyouhaveaspousewhoneedstoreceivenotificationthatcredithasbeenextendedtoyou.NewYorkResidents:NewYorkresidentsmaycontacttheNewYorkStateDepartmentofFinancialServicesat1-800-342-3736orgo to www.dfs.ny.gov to obtain a comparative list of credit card rates, fees, and grace periods.Voice Consumer Credit Card Rewards ProgramTheVoiceConsumerCreditCardRewardsTermsandConditionsgoverntheVoiceConsumerCreditCardRewardsprogramandareavailable at https://www.huntington.com/account-disclosures.Form:RrCardSchumerBoxCustStatOAO(CardHolderArbAgree)(11/19)1 of 13Voice Credit Card Cardholder Agreement ThankyouforopeningaCreditCardAccountwithTheHuntingtonNationalBank.ThisAgreementandyourAccountOpeningDisclosures(whichareincorporatedhereinbyreference),andanyfuturechangeswemaymake,is your contract with us.  It governs the use of your Card and Account.DefinitionsInthisAgreement“you”,“your”and“yourself”meaneachapplicantorco-applicantfortheAccount,anypersonresponsible for paying the Account, and anyone you authorize to use, access or service the Account.“We,” “us,” “our,” and HNB mean The Huntington National Bank. Your AccountYouagreetouseyourAccountinaccordancewiththetermsofthisAgreement.YoumustpayusforallamountsdueonyourAccount,includinganyinterestandfees.YouruseoftheAccountoranypaymentontheAccountindicates your acceptance of the terms of this Agreement.  Your Account must only be used for lawful transactions.Credit LimitWewilladviseyouofthecreditlimitonyourAccount.Aportionofyourcreditlimitmaybeavailableforcashadvances.Wemayincrease,decrease,restrictorcancelthecreditlimitorcashadvancelimitonyourAccountatany time, without advance notice.  We are not obligated to allow your Account to go over its credit limit.Transactions Exceeding Your Credit LimitAuthorized UsersYoumayauthorizeotherstouseyourAccount.YoumayrequestthatweissueCardstoadditionalusers.TheyarenotliableforrepaymentofthisAccount,butmayuseyourAccountsubjecttothetermsofthisAgreement.YouauthorizeustodiscussyourAccountwiththeauthorizedusers,andprovideinformationaboutyourAccounttothem.Eachtimeyouattemptatransactionwhichresultsinyourapplicableoutstandingbalance,plusauthorizations,exceedingyourcreditlimit,wemay:(1)permitthetransactionandtreattheamountexceedingyourcreditlimitasimmediatelydue,or(2)declinethetransaction.YouareresponsibleforthetotalbalanceonyourAccount,evenifyour balance exceeds your credit limit.YoumayrequestspendinglimitsfortheAuthorizedUsersonyourAccount.However,becauseofsystemsoradministrativeconsiderations,arrangementswithmerchantsorotherbusinessreasons,certaintransactionsmaybeprocessedthatexceedthelimit.Forexample,atransactionatamerchant(suchasapay-at-thepumpgasstation,rentalcarcompanyorhotel)mightbeprocessedeventhoughitexceedsthelimitifauthorizationisobtainedbeforethemerchantnotifiesusofthefinalamountofthecharge.Youareresponsibleforpayingforalltransactionsonyour Account even if they exceed your requested spending limit.Youmustpayusforallpurchases,cashadvances,andanyothertypeoftransactionmadebyanyAuthorizedUseroranyoneelsethatyou,ortheAuthorizedUserpermittouseyourAccount.Youmustpayusevenifyoudidnotintendtoberesponsibleforthosecharges.YoumustnotifyusifyouwanttoremoveanauthorizeduserfromyourAccount.YoumustalsoretrieveanddestroyanyandallCardsintheirpossessionandcancelalloftheirbillingarrangements to the Account.CardUsePurchasesYoumaypurchaseorleasegoodsorservicesfromanymerchantthatacceptsyourCardorAccount.However,wereservetherightnottohonorQuasiCashorCash-Equivalentpurchases(e.g.,Cryptocurrency,moneyorders,gambling chips, and any other items that serve as cash or are convertible to cash).2 of 13YoumayobtaincashadvancesonyourAccount.Theseadvancesmaybemadefromautomatictellermachines(ATMs),banks,orfromcashadvancechecksandcustomer-initiatedonlinecashadvances.However,wereservetheright not to honor ATM usage at casinos.Cash AdvancesOverdraft AdvancesYoumaypreauthorizereoccurringtransactionsonyourAccount.IfyourAccountissuspended,terminatedorifweissueyouanewcreditCardnumber,youwillneedtocontactanyperson(s)withwhomyouhaveauthorizedthesepreauthorized reoccurring transactions to make sure they are not interrupted.Automatic Charges FromtimetotimewemaymakespecialoffersrelatedtoyourAccount.TheseoffersaresubjecttothetermsofthisAgreement unless otherwise detailed on or with the promotional offer itself.Promotions Ifyoumakeatransactioninaforeigncurrency,thetransactionwillbeconvertedbyMastercardInternationalintoaU.S.dollaramountinaccordancewiththeoperatingregulationsorconversionproceduresineffectatthetimethetransactionisprocessed.Theconversionrateineffectontheprocessingdatemightdifferfromtherateineffectonthe transaction or posting date. Foreign Transactions and Exchange RateWedonotguaranteeapprovaloftransactions.Wemaydenyanytransactionsforanyreasonatourdiscretion.Wearenotliablefortransactionsthatarenotapproved.Wemaylimitthenumberoftransactionsapprovedinoneday.If we detect unusual or suspicious activity, we may suspend your credit privileges.Authorization of Transactions YoumaysetupthisAccounttocoveroverdraftsonyourcheckingaccount.Ifyoudo,thenthetermsofthisAgreementandyourcheckingaccountagreementwillapply.ForpurposesofthisAgreement,thesetransactionswillbetreatedascashadvances,subjecttothecashadvanceAPR,exceptthattherewillbenoassociatedtransactionfee.ChecksWemayprovidebalancetransferchecksand/orcashadvancechecksforyoutouse.Youmaynotuseeitheroftheseto pay an amount owed to us under this Agreement or to pay any other Account you may have with us.Fromtimetotime,inoursolediscretion,wemayofferyoutheabilitytotransferotherbalancestoyourAccount.We do not permit balance transfers from other accounts or loans you may have with us.Balance TransfersYouagreenottouseyourAccountforanytransactionthatisillegalwhereyouliveorwherethetransactiontakesplace.Youmustfindoutifatransactionislegalbeforeyoumakeit.YoualsoagreenottouseyourAccountforanyInternetoronlinegamblingtransaction,evenifitislegal.Wemayrefusetoauthorizeanyillegal,Internetoronlinegamblingtransaction.Ifwedoauthorizethetransaction,youagreetopayusforitunlessanapplicablelawsaysyoumay not.Illegal and Online Gambling Transactions3 of 13YoumustcontactusifanyCard,Accountnumber,orcheckislostorstolen.Youmustalsonotifyusifyouthinksomeoneusedormayusethemwithoutyourpermission.YoumaycontactusbycallingthetelephonenumberonthebackofyourCardoronyourbillingstatementorbywritingusattheaddresslistedonyourstatement.Whenyoucontactus,wemayrequireyoutoprovideinformationtohelpinourinvestigation.Wemayrequireyoutoprovide this information in writing. Lost or Stolen Cards, Account Numbers, or Cash Advance and Balance Transfer ChecksYoumustfollowthepaymentinstructionsonyourbillingstatement.YoumustpayusinU.S.dollars.Youcanpayusbycheck,moneyorderorelectronicpaymentthatisdrawnonandhonoredbyabankintheU.S.Donotsendcash.Wewillcredityourpaymentthesamedayitisreceivedaslongasitismadeinaccordancewiththeinstructionsonyourbillingstatement.Paymentscontainingrestrictivewords,conditions,limitationsorspecialinstructions(includingitemsmarked“paidinfull”)mustbesenttoaseparateaddressindicatedonyourbillingstatement.Payment InstructionsYoumustpayusatleasttheminimumpaymentduebythepaymentduedateeachbillingperiod.TheMinimumPayment Due each billing period will depend on your APRs and New Balance. Minimum PaymentsPayingYourAccount2%oftheNewBalanceroundedupordowntothenearestdollarplus(1)anyunpaidMinimumPaymentsDuefrompreviousbillsand(2)anyamountofyourNewBalancethatexceedsyourcreditlimitandisnotalready included as part of any unpaid Minimum Payments Due from previous bills.•a.    If all APRs with a balance are 23.49% or lower at the end of any billing period: You must pay the greater of:$10; or•However, if the New Balance is less than $10, you must pay the New Balance.b.IfanyAPRwithabalanceisover23.49%attheendofanybillingperiod:Youmustpay$15plus(1)anyinterestaccruedforthatbillingperiod,(2)anyBalanceTransferFeeandExpeditedPaymentFeethathasbeenassessedduringthatbillingperiod,(3)anyunpaidMinimumPaymentsDuefrompreviousbillsand(4)anyamountofyourNewBalancethatexceedsyourcreditlimitandisnotalreadyincludedaspartofanyunpaidMinimumPaymentsDuefrompreviousbills.However,iftheNewBalanceislessthan$15,youmustpaytheNew Balance.YoumaycloseyourAccountbynotifyingusinwritingoroverthephone.WemayalsocloseyourAccountorsuspendAccountprivilegesatanytimeandforanyreason.Wemaydothiswithoutpriornoticetoyou.WealsohavetherightnottorenewyourAccountuponitsexpiration.IfyouorwecloseyourAccount,youmuststillrepaythetotalbalanceinaccordancewiththetermsofthisAgreement.IfyourAccountisclosed,youmustreturneachCard to us upon request.Closing Your AccountIfwedetectsuspiciousactivityonyourAccount,orhaveconfirmedthatyourAccountinformationwascompromised,wemayclose,reissue,and/orsuspendyourCard(s).Thismayoccurwithorwithoutadvancenoticeto you.  4 of 13Wereservetherighttoapplypaymentsequaltoorlessthantherequiredminimumpaymentamountinamannerofourchoosing,whichmayresultinbalancessubjecttolowerinterestratesbeingpaidpriortootherbalances.Thismayresultinhigherinterestcharges.AnypaymentyoumakeinexcessoftherequiredMinimumPaymentDuewillbe allocated to your Account as required by applicable law.Payment AllocationWemayrejectandreturnanypaymentthatcreatesacreditbalanceonyourAccount.Anycreditbalanceweallowwillnotbeavailableuntilweconfirmthatyourpaymenthasbeencleared.Youmayrequestarefundofcreditbalancesatanytime.WemayreducetheamountofanycreditbalancebyanynewtransactionsbilledtoyourAccount.Credit BalancesWemayofferalternativepaymentmethods,throughacustomerservicerepresentative,whichwouldallowyoutomakeexpeditedpaymentstoyourAccountoverthetelephone,throughtheInternetorotherpaymentsystem.Wewilldescribethetermsforusingtheseservicesbeforeyouusethem.Wemaychargeafeefortheseservices.Youdonothavetousethesealternativepaymentmethodshowever,ifyoudochoosetouseanalternativepaymentmethod, we will disclose the then current fee amount to you before you authorize your payment.Alternate Payment MethodsWecalculateinterestforeachbillingperiodbymultiplyingtheaveragedailybalanceforeachtransactiontypetimestheapplicabledailyperiodicrateandthenmultiplyingthatresultbythenumberofdaysinthebillingcycle.Theapplicabledailyperiodicrateis1/365th(roundeduptothenearesthundredthousandth)oftheannualpercentagerateforthetransactiontypeineffectforthebillingperiod.Weaddalltheinterestchargesforeachtransactiontypeandroundtothenearestpenny,togetyourtotalinterestchargesforthatbillingperiod.Thedailyperiodicratesandannualpercentageratesgenerallyapplicabletopurchases,balancetransfersandcashadvancesareshownonyourAccount Opening Disclosures.Rate We ChargeWecalculateseparateBalancesSubjecttoanInterestRateforeachtypeoftransactionassociatedwithyourAccount.Average Daily Balance Method (Including New Purchases) ThereisnoperiodinwhichyoucanpaybackaCashAdvance,anyothertransactiontreatedasaCashAdvanceunderthisAgreement,orabalancetransfertoavoidincurringaFinanceCharge.Interestaccruesdailyandcompoundsdailyonnewtransactions,andbalancesremainingfrompreviousbillingcycles.Foracashadvanceusingacheck,thedateoftheadvanceisthedatethecheckispresentedtousorouragentforpayment.Forallothercashadvances,thedateoftheadvanceisthedateyouobtainedtheadvance.ForpurchasesusingtheCard,therewillbenoFinanceChargeimposedonyourpurchasesinanybillingperiodinwhich(i)thereisnoPreviousBalanceand(ii)paymentsreceivedandcreditsissuedbythePaymentDueDateequalorexceedtheNewBalance.ThePaymentDueDatewillbedeterminedbyus,butwillbeatleast21daysaftertheStatementClosingDateshownonyourlaststatement.ThenumberofdaysbetweenyourStatementClosingDateandyourPaymentDueDate(thegraceperiod)mayvaryfromonebillingperiodtoanother.IfweaddaFinanceCharge,wewillbegintoassessthechargeon each purchase from the date of purchase.Interest-Free Period / Interest Charges5 of 13TheBalanceSubjecttoInterestRateforeachtypeoftransactionshownonyourbillingstatementisthesumofthedaily balances for that type of transaction divided by the number of days in the billing period.Weaddpurchases,balancetransfersrequestedatapplication,orbyphone,andcashadvancesasofthedateofthetransaction.How to Calculate Variable RatesMinimum InterestWewillchargeyouaminimumFINANCECHARGEof$1.00foranybillingperiodinwhichaFinanceChargeisdue.Effect of APR IncreasesIf an APR increases, interest charges will increase.  Your minimum payment may increase as well.VariablerateAPRsarecalculatedbyaddingtogetherthePrimeRateandthemarginsetforthinyourAccountOpeningDisclosures.IfthePrimeRateincreases,itwillcausetheAPRtoincrease.IfthePrimeRatedecreases,itwillcausetheAPRtodecrease.ForeachbillingperiodweusethePrimeRatepublishedinTheWallStreetJournaltwobusinessdaysbeforetheStatementClosingDate.IfthePrimeRatecausesanAPRtochange,weputthenewAPRintoeffectasofthefirstdayofthebillingperiodforwhichwecalculatetheAPR.WeapplythenewAPRtoanyexistingbalances,subjecttoanypromotionalratethatmayapply.IfTheWallStreetJournaldoesnotpublishthe Prime Rate, we will use a similar published rate.When We Add Each Transaction Type to Your BalanceWemayusemathematicalformulasthatproduceequivalentresultstocalculatetheBalanceSubjecttoInterestRate,interest charges and related amounts.We add cash advance checks or balance transfer checks as of the date they are presented to us for payment.Weaddfeeseitheronthedateofarelatedtransaction,thedatetheyarepostedtoyourAccount,orthelastdayofthe billing period, whichever we may choose.Wethensubtractfromeachbalance,asapplicable,thenewday’spaymentsandcredits,andtreatanynetcredit balance as a zero balance.Average Daily BalanceAninterestchargeequaltotheapplicabledailyperiodicratemultipliedbytheendingbalancefromtheprior day (known as compounding of interest) ando EndingDailyBalance.Togettheaveragedailybalance,wefirstdeterminetheendingdailybalanceeachday. To do this:We start with the ending daily balance from the previous day.••b.AveragingMethod.Wethenaddtogethertheendingdailybalancesforeachdayinthebillingperiod.Wethendividethetotalforeachtransactiontypebythenumberofdaysinthatbillingperiod.Thisgivesustheaverage daily balance.a.We then add to the balance:•Anynewtransactionsorotherdebits(including,ifapplicable,anytransactionfees,otherfeesandunpaid interest charges).o 6 of 13Inaddition,youreceivedtheVoiceCreditCardTermsandConditionswhichprovidesdisclosuresaroundthetermsandconditionsofyourCard.Finally,pleaserefertoboththeVoiceCreditCardTermsandConditionsandtheVoiceCreditCardCardholderAgreement(page3“MinimumPayments”)foryourpaymentobligationsunderyourAccount.FederallawprovidesimportantprotectionstomembersoftheArmedForcesandtheirdependentsrelatingtoextensionsofconsumercredit.Ingeneral,thecostofconsumercredittoamemberoftheArmedForcesandhisorherdependentmaynotexceedanAnnualPercentageRateof36percent.Thisratemustinclude,asapplicabletothecredittransactionoraccount:Thecostsassociatedwithcreditinsurancepremiums;feesforancillaryproductssoldinconnectionwiththecredittransaction;anyapplicationfeecharged(otherthancertainapplicationfeesforspecifiedcredittransactionsoraccounts);andanyparticipationfeecharged(otherthancertainparticipationfeesfora credit card account).Disclosures for “Covered Borrowers” under the Military Lending Act, 10 U.S.C. § 987(“MLA”)Expedited Delivery FeeYouagreetopayafeeifyourequestandweagreetoarrangeforexpediteddeliveryofanyCardorchecktoyou(forexample,byanovernightdeliveryservice).Wewilldisclosetheamountofthisfeeatthetimeyourequestthisservice. If you then confirm and we honor your request, we will charge the fee disclosed at the time of the request.Annual Statement FeeYouagreetopayafeeof$15toprovideyouwithanannualsummarystatementshowingyourAccountactivityforthe calendar year.Balance Transfer FeeForeachcashadvance,youagreetopayatransactionfeeequaltotheamountsetforthinyourAccountOpeningDisclosures.Youagreetopay$5.00foreachcopyofasalesdraft,creditslip,orbillingstatementthatyourequestfromusand$25.00perhourforanyAccountresearchthatyourequestfromus.However,wewillnotassessthesechargesifyourrequestisbaseduponabillingerrorandyoufollowtheproceduresprovidedinthebillingrightssectionofthisAgreement. Research/Documentation Charges Cash Advance FeeForeachbalancetransfer,youagreetopayatransactionfeeequaltotheamountsetforthinyourAccountOpeningDisclosures.Late FeeYouagreetopayalatefeeuptotheamountsetforthinyourAccountOpeningdisclosuresifyoudonotpayusatleasttheMinimumPaymentDueforeachbillingperiodorifwereceiveyourpaymentafterthePaymentDueDateshown on your billing statement.FeesMLAOralDisclosureStatement–UndertheMLA,youhavetherighttoreceivecertaindisclosuresorally.Youcan receive the required MLA oral disclosures by calling 866-278-4848 a toll free phone number.TheTextServicesandAlertsareprovidedforyourconvenienceanddonotreplaceyourmonthlyAccountstatement(s),whicharetheofficialrecordofyourAccount.YouunderstandandagreetheseservicesmaynotbeencryptedandmayincludepersonalorconfidentialinformationaboutyousuchasyourAccountactivityorthestatusofyourAccount.Messagesmaybedelayedorimpactedbyfactor(s)outsideofourcontrol.WearenotresponsibleinthosecasesorforlossesordamagesarisingfromanydisclosureofAccountinformationtothirdparties,non-delivery,delayeddelivery,misdirecteddeliveryormishandlingof,orinaccuratecontentin,themessages sent through the Text Services and Alerts. Youagreetoindemnify,defendandholdusharmlessfromandagainstanyandallclaims,losses,liability,costandexpenses(includingreasonableattorneys’fees)arisingfromyourprovisionofaphonenumber,e-mailaddress,orotherdeliverylocationthatisnotyourownoryourviolationofapplicablefederal,stateorlocallaw,regulationorordinance. Your obligation under this paragraph shall survive after your Account is closed.Youareresponsibleforanyandallcharges,including,butnotlimitedto,feesassociatedwithtextmessagingimposed by your communications service provider.a.HNBTextServicesandAlerts-Messageanddataratesmayapply.Suchchargesincludethosefromyourcommunicationsserviceprovider.Messagefrequencydependsonuserpreferences.TocanceltheTextServices,sendSTOPto446622atanytime.ForhelporinformationontheTextServices,sendHELPto446622. For additional assistance with the Text Services, contact customer service at (800) 480-2265. b.HuntingtonConfirmIt-InadditiontotheTextServicesindicatedabove,HNBprovidesConfirmItFraudAlertsforyourVoiceCreditCard.ConfirmItisafreeservicethatautomaticallynotifiesyouofsuspiciousactivityonyourcreditcardaccountsviatext,emailand/orautomatedphonecall.YouwillnotbechargedforConfirmIttexts.Messagefrequencyvariesanddependsoncarduse.Mobilecarriersarenotliablefordelayedorundeliveredmessages.Formoreinformation,call(800)340-4165.Pleasenote:YoucanoptoutofConfirmIttextsand/orautomatedphonecallsatanytime.OptingoutappliestoyourcreditcardAccountandallcardsassociatedwiththatAccount.TooptoutofreceivingConfirmIttexts,textSTOPto49847.BytextingSTOPto49847,youagreetooneadditionalconfirmationmessagestatingyouhaveoptedoutandwillnolongerreceivemessagesfromHuntingtonConfirmIt.Forhelp,textHELPto49847.Tooptoutofautomatedphonecallfraudalerts,call(800)340-4165.7 of 13Alert and Text ServicesSomeaccountsincludeaccesstomobiletextmessagingrelatedservices(“TextServices”)and/ore-mailandmobiletextmessagingalerts(“Alerts”).Youagreethatwemaysendmobiletextmessagestoyouthroughyourcommunicationserviceprovider,asyouragent,usinganytelephonenumberore-mailaddressorotherdeliverylocation you have provided or we have in our records.CommunicationsUntilyourAccountisfinallysettled,yougivedirectandexpressconsenttoreceivecommunicationsregardingyourAccounttous,anyservicersandanycollectorsofyourAccount,throughvariousmeanssuchas(1)anycell,landline,ortextnumberthatyouprovide,(2)anye-mailaddressthatyouprovide,(3)autodialersystems,(4)recordedmessages,andotherformsofcommunications.Further,youagreethatanysuchcommunicationsarenotunsolicited for purposes of any state or federal law.RelationshipInformationTelephone MonitoringAspartofourcontinuingefforttomaintainahighqualityofservicetoourcustomers,telephonecommunicationswithyoumaybemonitoredandrecorded.Youagreethatmonitoringand/orrecordingmaybedoneandthatnoadditionalnoticetoyouoradditionalapprovalfromyouisneeded.PleaseinformallpersonsauthorizedtousethisAccount, those acting on your behalf, or anyone making payments on this Account, of this provision.8 of 13Your Billing Rights; Keep This Notice For Future Use.  This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.Governing LawNo Waiver of RightsWecandelayenforcingourrightsunderthisAgreementwithoutlosingthem.Wecanacceptlatepayments,partialpaymentsorchecksandmoneyordersmarkedasbeingpaymentinfullwithoutlosinganyrightsunderthisAgreement.AssignmentYourrightsunderthisAgreementcannotbetransferredbyyou,byoperationoflaw,orotherwise,butyourobligationsshallbebindinguponyourestateorpersonalrepresentatives.WemaytransferorassignyourAccount,and/orthisAgreement,oranyofourrightsunderthisAgreement,toanotherpersonorentityatanytimewithoutprior notice to you or your consent.THISAGREEMENTISGOVERNEDBYOHIOLAWANDAPPLICABLEFEDERALLAW.THISISTHELAWWEARESPEAKINGOFWHENWEREFERTOATERMPERMITTEDORREQUIREDBYAPPLICABLE LAW. Change in TermsWemayadd,changeordeletethetermsofyourAccount(including,butnotlimitedto,AnnualPercentageRateandothersignificantchanges).Ifnoticeisrequired,itwillbemailedtoyouatleastforty-five(45)dayspriortotheeffectivedateofthechange.NoticemayalsoincludeastatementofyourrighttocanceltheAccount prior to the effective date of the change.YouauthorizeustoobtainreportsfromconsumerreportingagenciesinconnectionwithyourapplicationandanyresultingAccount,includingforupdate,review,renewal,extension,orcollectionofamountsowedontheAccount.YoualsoagreethatwemayfurnishinformationaboutyouandyourAccounttoconsumerreportingagenciesandotherswhoarepermittedbylawtoreceiveit.IfyoubelievetheAccountinformationwereportedtoaconsumerreportingagencyisinaccurate,youmaywritetousattheaddressprovidedonthecreditreportfromtheconsumerreportingagency.YourwrittendisputemustprovidesufficientinformationtolocatetheAccountandwhyyoubelievetheinformationisinaccurate.Ifavailable,provideacopyofthesectionofthecreditreportshowingtheAccount information you are disputing.Credit InformationDefaultYouwillbeindefaultifyoufailtomakeanypaymentwhendue,exceedyourcreditlimit,die,becomeasubjectofbankruptcyorinsolvencyproceedings,donotcomplywithanyofthetermsofthisAgreement,orifyouhaveprovidedfalseinformationtoobtainormaintainthisAccount.Ifyouareindefault,wemay,inoursolediscretion,declareallamountsyouowetobeimmediatelydueandpayable,prohibitanyfurthertransactionsonyourAccount,canceltheCards,andrevokeanyprivilegesassociatedwiththeCards.Intheeventofdefault,youagreetodestroyand/orreturnallCardstousorourdesigneeupondemand.Ifyouareindefault,wemay,inoursolediscretion,refusetopayanyofyourcashadvanceorbalancetransferchecksthatarepresentedtous.Ifwedecidetohonorsuch checks, you will owe us the amount of such checks under the terms of this Agreement.9 of 13If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us thatyou still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you arequestioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must letthose organizations know when the matter has been settled between us.If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even ifyour bill is correct.While we investigate whether or not there has been an error:We cannot try to collect the amount in question, or report you as delinquent on that amount.•Thechargeinquestionmayremainonyourstatement,andwemaycontinuetochargeyouinterestonthatamount.•Whileyoudonothavetopaytheamountinquestion,youareresponsiblefortheremainderofyourbalance.•We can apply any unpaid amount against your credit limit.•After we finish our investigation, one of two things will happen:Ifwemadeamistake:Youwillnothavetopaytheamountinquestionoranyinterestorotherfeesrelatedto that amount.•Ifwedonotbelievetherewasamistake:Youwillhavetopaytheamountinquestion,alongwithapplicableinterestandfees.Wewillsendyouastatementoftheamountyouoweandthedatepaymentisdue. We may then report you as delinquent if you do not pay the amount we think you owe.•If you think there is an error on your statement, write to us at:In your letter, give us the following information:Huntington National Bank – Dispute ResolutionPO Box 1558 GW4W61Columbus, OH 43216What To Do If You Find A Mistake On Your StatementAccountinformation:YournameandAccountnumber.•Dollaramount:Thedollaramountofthesuspectederror.•Descriptionofproblem:Ifyouthinkthereisanerroronyourbill,describewhatyoubelieveiswrongandwhy you believe it is a mistake.•You must contact us:Within 60 days after the error appeared on your statement.•Atleast3businessdaysbeforeanautomatedpaymentisscheduled,ifyouwanttostoppaymentontheamount you think is wrong.•When we receive your letter, we must do two things:Within30daysofreceivingyourletter,wemusttellyouthatwereceivedyourletter.Wewillalsotellyouif we have already corrected the error.You must notify us of any potential errors in writing. You may call us, but if you do we are not required toinvestigate any potential errors and you may have to pay the amount in question.1.Within90daysofreceivingyourletter,wemusteithercorrecttheerrororexplaintoyouwhywebelievethe bill is correct.2.What Will Happen After We Receive Your Letter10 of 13READ THIS ARBITRATION PROVISION CAREFULLY. IF YOU DO NOT REJECT THISARBITRATION PROVISION AS SET FORTH BELOW, IT WILL BE PART OF THIS AGREEMENTAND WILL HAVE A SUBSTANTIAL IMPACT ON THE WAY YOU OR WE WILL RESOLVE ANYCLAIM WHICH YOU OR WE HAVE AGAINST EACH OTHER NOW OR IN THE FUTURE.  YOUR RIGHT TO REJECT: If you don’t want this Arbitration Provision to apply, you may reject it bysending us a written Arbitration Rejection Notice which (a) states that you (or both or all of you, if morethan one) wish to reject the Arbitration Provision; (b) states your name, address and Account number; (c) issigned by you and any other person who is rejecting the Arbitration Provision; and (d) is sent by certifiedmail, return receipt requested, to [The Huntington National Bank, EA4W25 - Credit Card Arbitration, P.OBox 1558, Columbus, Ohio 43272.] Upon receipt of this notice, we will credit your Account for the standardcost of a certified letter. These are the only procedures you can use to reject the Arbitration Provision. AnArbitration Rejection Notice is only effective if it is signed by you (all of you, if more than one) and if wereceive it within thirty (30) calendar days after the date we first provide you with a credit Card Agreement  or written notice providing you a right to reject this Arbitration Provision. Your rejection of this ArbitrationProvision will not affect any other provision of this Agreement or your ability to obtain credit. If you rejectthis Arbitration Provision, that will not constitute a rejection of any prior arbitration provision between youand us. Even if you previously rejected an arbitration provision between you and us, you will be bound bythis Arbitration Provision unless you reject it. PLEASE NOTE THAT THE JURY TRIAL WAIVER,WHICH IS LISTED BELOW, IS NOT PART OF THIS ARBITRATION PROVISION. REJECTING THISARBITRATION PROVISION WILL NOT ACT AS A REJECTION OF THE JURY TRIAL WAIVER.  If you are dissatisfied with the goods or services that you have purchased with your credit Card, and you have triedin good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount dueon the purchase.Thepurchasemusthavebeenmadeinyourhomestateorwithin100milesofyourcurrentmailingaddress,andthepurchasepricemusthavebeenmorethan$50.(Note:Neitherofthesearenecessaryifyourpurchasewasbasedonanadvertisementwemailedtoyou,orifweownthecompanythatsoldyouthe goods or services.)1.YoumusthaveusedyourcreditCardforthepurchase.PurchasesmadewithcashadvancesfromanATMor with a check that accesses your credit Card Account do not qualify.2.Your Rights If You Are Dissatisfied With Your Credit Card PurchasesYou must not yet have fully paid for the purchase.3.To use this right, all of the following must be true:While we investigate, the same rules apply to the disputed amount as discussed above. After we finish ourinvestigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, wemay report you as delinquent.Huntington National Bank – Dispute Resolution  PO Box 1558 GW4W61 Columbus, OH 43216 If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:Arbitration AgreementARBITRATIONPROVISION.Arbitrationisamethodofresolvingdisputesinfrontofanarbitratorinsteadofhaving a trial in court in front of a judge or jury. An “arbitrator” is a neutral person from one of the organizationslisted below who will decide the dispute. This Arbitration Provision governs when and how disputes between youand us will be arbitrated if a dispute arises and you or we choose to arbitrate the dispute instead of having a court orjury resolve the dispute. 11 of 13(a)PartiesSubjecttoArbitration–SpecialDefinitions:SolelyasusedinthisArbitrationProvision(andnotelsewhere in this Agreement), the terms “we,” “us” and “our” mean (a) The Huntington National Bank (the"Bank"), any parent, subsidiary or affiliate of the Bank and the employees, officers and directors of such companies(collectively, the “Bank Parties”); and (b) any other person or company that provides any goods or services inconnection with this Agreement if you assert a Claim against such other person or company in connection with aClaim you assert against any Bank Party. (b)WhatClaimsareCovered:"Claim”meansanyclaim,disputeorcontroversybetweenyouandus(whetherpreexisting, present or future) that in any way arises from or relates to this Agreement, your Account, the issuanceof any Card, any rewards program or any prior Agreement or Account. “Claim” includes disputes arising fromactions or omissions prior to the date any Card was issued to you, including the advertising related to, applicationfor or approval of the Account. “Claim” has the broadest possible meaning, and includes initial claims,counterclaims, cross-claims, third-party claims, federal, state, local and administrative claims and claims whicharose before the effective date of this Arbitration Provision. It includes disputes based upon contract, tort, consumerrights, fraud and other intentional torts, constitution, statute, regulation, ordinance, common law and equity andclaims for money damages and injunctive or declaratory relief. (c)ExcludedClaimorProceeding.Notwithstandingtheforegoing,“Claim”doesnotincludeanydisputeaboutthe validity, scope or enforceability of this Arbitration Provision or any part thereof (including, without limitation,the Class Action Waiver set forth below and this sentence); any such dispute shall be resolved by a court and not byan arbitrator or administrator. However, any dispute about the validity or enforceability of the Agreement as awhole is for the arbitrator, not a court, to decide. In addition, this Arbitration Provision will not apply to (1) anyindividual action brought by you in small claims court or your state’s equivalent court, unless such action istransferred, removed, or appealed to a different court; or (2) any Claims that are the subject of a class action filed incourt that is pending as of the effective date of this Arbitration Provision in which you are alleged to be a memberof the putative class for as long as such class action is pending. (d)ArbitrationProcedures.Electingarbitration.IfyouorweelecttoarbitrateaClaimratherthanhaveacourtdecidetheClaim,thepartyelecting arbitration must notify the other party in writing. This notice can be given before or after the beginning of alawsuit or with respect to other Claims brought later in the lawsuit and can be given in papers filed in the lawsuit(for example, a motion by the defendant to compel arbitration of claims asserted by the plaintiff in a lawsuit filed incourt). Otherwise, your notice must be sent to [The Huntington National Bank, Credit Card Arbitration, Attention:Customer Service, P.O Box 1558, Columbus, Ohio 43272], and our notice must be sent to the most recent addressfor you in our files. Any arbitration hearing that you attend will take place in a location reasonably convenient towhere you reside unless you and we agree otherwise. If a party files a lawsuit in court asserting Claim(s) that aresubject to arbitration and the other party files a motion to compel arbitration with the court which is granted, it willbe the responsibility of the party asserting the Claim(s) to select an arbitration administrator pursuant to theparagraph below and start the arbitration proceeding in accordance with the administrator’s rules and procedures.  Arbitrationadministratorsandrules.Thearbitrationadministratorwillbe:AmericanArbitrationAssociation(“AAA”), 1633 Broadway, 10th Floor, New York, NY 10019, www.adr.org, 1-800-778-7879; or JAMS, 620 EighthAvenue, 34th Floor, New York, NY 10018, www.jamsadr.com, 1-800-352-5267. You may contact theseorganizations directly if you have any questions about the way they conduct arbitrations or want to obtain a copy oftheir rules and forms (which are also available on their websites). If the AAA and JAMS are unable or unwilling toserve as administrator, the parties may agree upon another administrator or, if they are unable to agree, a court shallselect the administrator or arbitrator. No person or company may serve as arbitrator or administrator, without theconsent of all parties, if he, she or it adopts or has in place any formal or informal policy that is inconsistent withand purports to override the terms of the Class Action Waiver in this Arbitration Provision.  Thearbitrator.Asinglearbitratorwillbeappointedbytheadministratorandmustbeapracticingattorneywithtenor more years of experience or a retired judge.  12 of 13(f) Class Action Waiver. Notwithstanding any other provision of the Agreement, if either you or we elect toarbitrate a Claim, neither you nor we will have the right: (a) to participate in a class action, private attorneygeneral action or other representative action in court or in arbitration, either as a class representative orclass member; or (b) to join or consolidate Claims with claims of any other persons. No arbitrator shall haveauthority to conduct any arbitration in violation of this provision or to issue any relief that applies to anyperson or entity other than you and/or us individually. (Provided, however, that the Class Action Waiverdoes not apply to any lawsuit or administrative proceeding filed against us by a state or federal governmentagency even when such agency is seeking relief on behalf of a class of borrowers including you. This meansthat we will not have the right to compel arbitration of any claim brought by such an agency). The partiesacknowledge that the Class Action Waiver is material and essential to the arbitration of any disputesbetween them and is non-severable from this Arbitration Provision. If the Class Action Waiver is limited,voided or found unenforceable, then the parties’ Arbitration Provision (except for this sentence) shall be nulland void with respect to such proceeding, subject to the right to appeal the limitation or invalidation of theClass Action Waiver. The parties acknowledge and agree that under no circumstances will a class action bearbitrated. (g)TheArbitrator’sDecision.Atthetimelyrequestofeitherparty,thearbitratorshallwriteabriefexplanationofthe grounds for the decision. A judgment on the arbitrator’s decision (called the “award”) may be entered by anycourt having jurisdiction. (e)FederalArbitrationAct.ThepartiesagreeandacknowledgethattheAgreementevidencesatransactioninvolving interstate commerce and, therefore, a federal statute, the FAA (Title 9 of the United States Code), shallgovern the interpretation and enforcement of this Arbitration Provision and proceedings pursuant thereto. To theextent state law is applicable under the FAA, the law of the state of Ohio shall apply. Whatlawthearbitratorwillapply.Thearbitratorwillnotbeboundbyjudicialrulesofprocedureandevidencethat would apply in a court, or by state or local laws that relate to arbitration proceedings. The arbitrator will applythe same statutes of limitation and privileges that a court would apply if the matter were pending in court. Indetermining liability or awarding damages or other relief, the arbitrator will follow the applicable substantive law,consistent with the Federal Arbitration Act ("FAA"), that would apply if the matter had been brought in court. Thearbitrator may award any damages or other relief or remedies that would apply under applicable law to an individualaction brought in court, including, without limitation, punitive damages (which shall be governed by theConstitutional standards employed by the courts) and injunctive, equitable and declaratory relief (but only in favorof the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’sindividual claim). The arbitrator will have the authority to award fees and costs of attorneys, witnesses and expertsto the extent permitted by this Agreement, the administrator’s rules or applicable law. With respect to Claim(s)asserted by you in an individual arbitration, we will pay your reasonable attorney, witness and expert fees and costsif and to the extent you prevail, if applicable law requires us to or if we must bear such fees and costs in order forthis Arbitration Provision to be enforced. We will not ask you to pay or reimburse us for any of our attorney, expertand witness fees in connection with the arbitration, regardless of which party prevails in the arbitration.   Arbitrationcosts.Atyourwrittenrequest,wewillpayallfiling,hearingand/orotherfeeschargedbytheadministrator and arbitrator to you for Claim(s) asserted by you in an individual arbitration after you have paid anamount equivalent to the fee, if any, for filing such Claim(s) in state or federal court (whichever is less) in thejudicial district in which you reside. (If you have already paid a filing fee for asserting the Claim(s) in court, youwill not be required to pay that amount again). In addition, the administrator may have a procedure whereby youcan seek a waiver of fees charged to you by the administrator and arbitrator. We will pay any fees or expenses thatwe are required to pay by law or the administrator’s rules or that we are required to pay for this ArbitrationProvision to be enforced.  Righttodiscovery.Inadditiontotheparties’rightstoobtaindiscoverypursuanttothearbitrationrulesoftheadministrator, either party may submit a written request to the arbitrator to expand the scope of discovery normallyallowable under the arbitration rules of the administrator. The arbitrator shall have discretion to grant or deny thatrequest.  2019

13 of 13JURY TRIAL WAIVER. TO THE EXTENT PERMITTED BY APPLICABLE LAW, IF A DISPUTE ISRESOLVED IN COURT RATHER THAN ARBITRATION, YOU AND WE HEREBY KNOWINGLY,VOLUNTARILY, INTENTIONALLY AND IRREVOCABLY WAIVE ANY RIGHT TO A TRIAL BYJURY IN RESPECT TO ANY LITIGATION BASED UPON OR ARISING OUT OF THIS AGREEMENT,RELATING TO YOUR ACCOUNT, OR ANY OTHER DISPUTE OR CONTROVERSY BETWEEN YOUAND US. IF YOU WERE A “COVERED BORROWER” UNDER THE MLA AT THE TIME THE ACCCOUNTWAS ESTABLISHED, (I) THE ABOVE ARBITRATION PROVISION AND JURY TRIAL WAIVERPROVISION, (II) ANY WAIVER OF THE RIGHT TO LEGAL RECOURSE UNDER ANY OTHERWISEAPPLICABLE PROVISION OF STATE OR FEDERAL LAW AND (III) ANY OTHER PROVISION OFTHIS AGREEMENT THAT IS NOT ENFORCEABLE AGAINST YOU UNDER THE MLA, WILL NOTAPPLY TO YOU WHILE YOU REMAIN A “COVERED BORROWER.” ®Member FDIC.          and Huntington    are federally registered service marks of Huntington Bancshares Incorporated.  ©         Huntington Bancshares Incorporated.®(h)EffectofArbitrationAward;Appeal.Thearbitrator'sawardshallbefinalandbindingonallparties,exceptfor any right of appeal provided by the FAA. However, if the amount of the Claim exceeds $50,000, any party can,within 14 days after the entry of the award by the arbitrator, appeal the award to a three-arbitrator paneladministered by the administrator. The panel shall reconsider anew any aspect of the initial award requested by theappealing party. The decision of the panel shall be by majority vote. Unless the parties agree otherwise, and to theextent feasible, the appeal will be conducted pursuant to or modeled after the JAMS Optional Appeal Procedure,available at http://www.jamsadr.com/rules-optional-appeal-procedure. Reference in this Arbitration Provision to“the arbitrator” shall mean the panel if an appeal of the arbitrator’s decision has been taken. The costs of such anappeal will be borne in accordance with the subparagraph above, captioned “Arbitration costs.” Any final decisionof the appeal panel is subject to judicial review only as provided under the FAA. (i)NoticeandCure;SpecialPayment.PriortoinitiatingaClaim,youmaysendusawrittenDisputeClaimNotice. In order for a Dispute Claim Notice to be valid and effective, it must: (a) state your name, address andAccount number; (b) be signed by you; (c) describe the basis of your Claim and the amount you would accept toresolve the Claim; (d) state that you are exercising your rights under the “Notice and Cure” paragraph of theArbitration Provision; and (e) be sent to us by certified mail, return receipt requested, at [The Huntington NationalBank, Credit Card Arbitration, Attention: Customer Service, P.O Box 1558, Columbus, Ohio 43272.] This is thesole and only method by which you can submit a Dispute Claim Notice. Upon receipt of a Dispute Claim Notice,we will credit your Account for the standard cost of a certified letter. You must give us a reasonable opportunity,not less than 30 days, to resolve the Claim. If, and only if, (i) you submit a Dispute Claim Notice in accordance withthis paragraph on your own behalf (and not on behalf of any other party); (ii) you cooperate with us by promptlyproviding the information we reasonably request; (iii) we refuse to provide you with the relief you request before anarbitrator is appointed; and (iv) the matter then proceeds to arbitration and the arbitrator subsequently determinesthat you were entitled to such relief (or greater relief), you will be entitled to a minimum award of at least $7,500(not including any arbitration fees and attorneys’ fees and costs to which you will also be entitled). We encourageyou to address all Claims you have in a single Deposit Dispute Claim Notice and/or a single arbitration.Accordingly, this $7,500 minimum award is a single award that applies to all Claims you have asserted or couldhave asserted in the arbitration, and multiple awards of $7,500 are not contemplated. (j)RulesofInterpretation:ThisArbitrationProvisionshallsurvive(i)theterminationorclosingofyourAccount,(ii) the termination of any relationship between us, including the termination of this Agreement, and (iii) anybankruptcy of any party, to the extent consistent with applicable bankruptcy law. In the event of a conflict betweenthe provisions of this Arbitration Provision, on the one hand, and any applicable rules of the AAA or JAMS or otheradministrator used or any other terms of this Agreement, on the other hand, the provisions of this ArbitrationProvision shall control. (k)Severability.IfanyportionofthisArbitrationProvision,otherthantheClassActionWaiver,isdeemedinvalidor unenforceable, the remaining portions shall nevertheless remain in force. Form: RrCardSchumerBoxCustStatOAO (Privdoc)Rev. July 2015This Online Privacy Policy ("Online Policy") applies to The Huntington National Bank, its parent Huntington BancsharesIncorporated and their subsidiaries and affiliates (collectively described as "Huntington," "we," or "us"), this website and anyHuntington website that links to this Online Policy (each a "Site, and collectively "Sites"). This Online Policy specificallyapplies to Huntington's online collection, use and disclosure of information collected from visitors during use of the Sites,such as for transactional purposes or through online tracking technology, including cookies or action tags. This Site isoperated in and controlled from the United States of America. This Online Policy should be read together with the "WhatDoes Huntington Do with Your Personal Information" Privacy Notice ("Privacy Notice") below, which, among other things,describes how Huntington may share personal information gathered from you and how you can opt-out or limit certain typesof information sharing.Your Privacy RightsHuntington’s Online Privacy PolicyWe collect Personal Information and Aggregate Information from visitors to the Site. We use the term "Personal Information"to mean any information that can identify a specific individual. We use the term "Aggregate Information" to refer to anyinformation that does not allow us to identify a specific individual, such as demographic information, areas visited on the Siteor what browser was used to access the Site.Types of Information CollectedWe reserve the right to amend the Online Policy at any time to address future developments of Huntington, the Site orchanges in industry or legal trends. We will post the revised Online Policy on the Site or announce the change on the Site'shomepage. If we make changes to the Online Policy, we will revise the "Effective Date" section above. Any changes to thisOnline Policy will become effective upon the posting of the revised Online Policy on the Site. By continuing to use the Sitefollowing such changes, you will be deemed to have agreed to such changes. If you do not agree with the terms of thisOnline Policy, as it may be amended from time to time, in whole or in part, please do not continue using this Site. If you haveanyquestionsorcommentsabouttheOnlinePolicy,pleasefeelfreetocontactusatprivacy@huntington.com.The Online Privacy Policy is effective as of July 2015.Effective DateChanges to the Online PolicyWe collect various types of Personal Information from visitors to the Site, such as name, address, email address, phonenumber, mother's maiden name, Social Security number, date of birth, driver's license, employment, income, residence, andcollateral information.Personal InformationAs described in the next section, we may gather and store Aggregate Information about Site visitors. The collection of thisAggregate Information enables us to measure the number of visitors to various portions of the Site, diagnose problems withour Site, administer the Site, and track visitor activity. We will use Aggregate Information to learn more about what you andour customers are expecting from our services to improve the Site. Because Aggregate Information collected on the Sitedoes not personally identify you, we may use Aggregate Information for any purpose whatsoever and share AggregateInformation with third parties for any purpose whatsoever.Aggregate InformationCookies or other similar technologies may be used to gather information. Cookies are electronic files that your internetbrowser places on your hard drive to retain information relating to visits to and use of a website. We use cookies to improvethe functionality of our Site. We do not use cookies to store or transmit Personal Information. We use cookies to enable ourcustomers to navigate more easily within our Site during an online session. We use "persistent" cookies to allow you to setand maintain your preferences for using our Site. Persistent cookies remain on your computer's memory after you close yourinternet browser.Notice Regarding the Use of Cookies or Similar TechnologiesWe also use 1x1 pixel "action tags," which are types of tracking technology associated with cookies. Action tags help usknow how many visitors link to our Site from a third-party website, which areas of our Site visitors use most often, and howmuch time visitors spend at our Site. We provide this type of Aggregate Information to a nonaffiliated application serviceprovider that compiles statistical information for us. Collection of this data enhances Huntington's ability to meet the needs ofonline users and make improvements to the online experience.We engage third party advertising companies to serve ads on Huntington's behalf across the internet. Huntington is notproviding, and these companies do not collect, your Personal Information. These companies may use behavioral informationobtained from action tags, such as how you navigate websites, to provide Huntington advertisements to you. In addition, wemay engage these companies to track and report performance of advertising and marketing campaigns to and fromHuntington. These companies may not use your behavioral information for any purpose other than to deliver Huntington adson the internet.You can block cookies by changing the settings on your internet browser or through the use of software programs specificallydesigned to block cookies. Please note, however, that if you choose to block cookies, you will not be able to log into oursecure Online Banking service, and you may limit other functionality we can provide when you visit our Site. You can alsoremove cookies by deleting them from your Temporary Internet or Cookies folder.Our Site does not recognize Web browser “do not track” signals or other mechanisms. No other party will collect personallyidentifiable information about your online activities over time and across different Web sites when you use this Web site orservice.Notice Regarding Browser SettingsConsistent with our Privacy Notice, we use Personal Information provided by Site visitors to fulfill the purpose for which suchinformation was provided, such as to open an account for you, to process a transaction authorized by you, to send youinformation we think may be of interest to you, to evaluate your suitability for a job if you apply on line through the Careerssection of our Site, or as specifically disclosed at the time the information is requested.Our Use of Personal InformationWe may disclose Personal Information, as permitted by law, and: (1) consistent with our Privacy Notice; (2) to comply withapplicable laws; (3) to respond to governmental inquiries or requests; (4) to comply with valid legal process; (5) to protect therights, privacy, safety or property of Huntington; (6) to permit us to pursue available remedies or limit damages that we maysustain and (7) to enforce our rights resulting from inappropriate use of the Site.Disclosure of Personal InformationWe also may remove identifiers from Personal Information or aggregate that information to make it anonymous. We will usesuch Aggregate Information as described in the section "Aggregate Information."In the event there is a change in the corporate structure of Huntington such as, but not limited to, merger, consolidation, sale,liquidation, or transfer of substantial assets, Huntington may, in its sole discretion, transfer, sell or assign informationcollected on and through this Site, including without limitation, Personal Information concerning visitors, to one or moreaffiliated or unaffiliated third parties.Visitors may choose not to receive promotional e-mails or electronic newsletters from us by following the instructions in thespecific email from which they wish to opt-out. We will respond to a request made pursuant to this method as promptly aspracticable. Even if you elect to stop receiving promotional emails from us, we may still contact you to tell you importantinformation about the Site or us, or in response to a transactional or service related matter.Your Choice About Receiving Promotional E-mailsWe strive to maintain complete and accurate online information about you and your accounts. If you believe that our onlinerecords contain inaccurate or incomplete information about you, please call us toll-free at 1-800-480-BANK (2265) (24 hoursa day, seven days a week). Our Online Banking customers may access and edit their own information by logging in to oursecure Online Banking service and clicking on the "Customer Service" tab. We will correct any confirmed inaccuracies asnecessary and appropriate.Maintaining Accuracy in Online InformationWe respect the privacy of children and comply with the practices established under the Children's Online Privacy ProtectionAct. We do not knowingly collect or retain personally identifiable information from children.Notice Regarding Children's InformationWe employ appropriate safeguards to protect Personal Information that you provide to us through our Site. Unfortunately, nomethod of transmitting or storing data can be guaranteed to be 100% secure. As a result, although we strive to protectPersonal Information, we cannot ensure the security of any information you transmit to us through or in connection with theSite. If you have reason to believe that your interaction with us is no longer secure, please notify us of the problem bycontactingusatprivacy@huntington.comSafeguarding Personal InformationIn the unlikely event that we believe that the security of your Personal Information in our possession or control may havebeen compromised, we may seek to notify you of that development. If a notification is appropriate, we would endeavor to doso as promptly as possible under the circumstances, and, to the extent we have your email address, we may notify you byemail.If you receive an email or other correspondence requesting that you provide any sensitive information via email or to a Website that does not seem to be affiliated with the Site, or that otherwise seems suspicious to you, please do not provide suchinformationandreportsuchrequesttousatidtheft@huntington.com.We may provide access to information, products or services offered on websites that are owned or operated by othercompanies ("Third Party Websites"). We provide this access through the use of hyperlinks that automatically move you froma Huntington website to the Third Party Website.Notice Regarding Web Linking PracticesOnline surveys and sweepstakes are offered from time to time on the Site. Online surveys are used so that we can gatherinformation to better serve you. Based on the information you provide to us, we may inform you of accounts and servicesfrom Huntington. You are not required to complete online surveys, sweepstakes or promotions. You should carefully reviewthe rules of each sweepstakes or promotion in which you participate through the Site, as they may contain additionalimportant information about Huntington's use of Personal Information about you. To the extent that the terms and conditionsof each sweepstakes or promotion concerning treatment of your Personal Information conflict with this Online Policy, theterms and conditions will control.Notice Regarding the Use of Online Surveys and SweepstakesWhile we do our best to provide you with helpful, trustworthy resources, we cannot endorse, approve or guaranteeinformation, products, services or recommendations provided at any Third Party Website. Because we may not always knowwhen information on a linked site changes, Huntington is not responsible for the content or accuracy of any Third PartyWebsite. Huntington shall not be responsible for any loss or damage of any sort resulting from the use of a link on itswebsites nor will it be liable for any failure of products or services advertised or provided on any Third Party Website.Huntington offers links to you on an "as is" basis. When you visit a Third Party Website by using a link on a Huntington site,you will no longer be protected by Huntington's privacy policy or security practices. The data collection, use, and protectionpractices of the Third Party Website may differ from the practices of Huntington sites. You should familiarize yourself with theprivacy policy and security practices of Third Party Websites that you choose to visit. Those are the policies and practicesthat will apply to your use of the Third Party Website, NOT Huntington's policies and practices.Products, services, and benefits offered by third parties at Third Party Websites are obligations of those third parties, are notan obligation of, a deposit of, or guaranteed by Huntington or any of its affiliates, and are not FDIC insured.We make planning tools, such as mortgage and savings calculators available. We do not currently store information that youenter into one of these planning tools or calculators.Notice Regarding the Use of Online Planning ToolsWe may include links in our emails that link you to information on our Web site about our products, services, and specialpricing or promotional offers. However, we will never ask you for Personal Information in an email from us (for example,username, password, Social Security number or account number). We will also never include links that take you to anonsecure page where you are asked to provide this information. To determine whether an email that you have receivedfrom Huntington is legitimate, you may contact our Customer Service Center toll-free at 1-800-480-BANK (2265) (24 hours aday, seven days a week).FACTSWHAT DOES HUNTINGTON DO WITH YOUR PERSONAL INFORMATION?Why?Financial companies choose how they share your personal information. Federal law givesconsumers the right to limit some but not all sharing. Federal law also requires us to tell youhow we collect, share, and protect your personal information. Please read this noticecarefully to understand what we do.Rev. November 2017What?The types of personal information we collect and share depend on the product or serviceyou have with us.  This information can include:     Social Security number and income           Payment history and credit scores           Investment experience and insurance claim history ·How?All financial companies need to share customers’ personal information to run their everydaybusiness. In the section below, we list the reasons financial companies can share theircustomers’ personal information; the reasons Huntington chooses to share; and whetheryou can limit this sharing.··To limit  oursharing Call toll-free 1-800-537-0861 – our menu will prompt you through your choices.·For our affiliates’ everyday business purposes—For our everyday business purposes—Reasons we can share your personalinformationDoes Huntingtonshare?Can you limit thissharing?YesNoPlease note: YesNoFor our affiliates’ everyday business purposes—Yessuch as to process your transactions, maintain youraccount(s), respond to court orders and legalinvestigations, or report to credit bureaus to offer our products and services to you Noinformation about your transactions and experiencesQuestions?For joint marketing with other financial companiesYesNoCall toll-free 1-800-480-BANK (2265) or go to huntington.comYesIfyouareanewcustomer,wecanbeginsharingyourinformation30daysfromthedatewesentthisnotice.Whenyouarenolongerourcustomer,wecontinuetoshareyourinformation as described in this notice.However, you can contact us at any time to limit our sharing.Yesinformation about your creditworthinessFor our affiliates to market to youYesYesFor nonaffiliates to market to youNoWe don’t shareFor our marketing purposes—Form: RrCardSchumerBoxCustStatOAO (Privdoc)Huntington’s Customer Information Privacy NoticeWhat we doTo protect your personal information from unauthorized access and use,we use security measures that comply with federal law. These measuresinclude computer safeguards and secured files and buildings.HowdoesHuntingtonprotectmypersonal information?We collect your personal information, for example, when you HowdoesHuntingtoncollectmypersonal information?Open an account or apply for a loan··Federal law gives you the right to limit onlyWe also collect your personal information from others, such as creditbureaus, affiliates, or other companies.Why can’t I limit all sharing?Affiliates from using your information to market to you ·Sharing for affiliates’ everyday business purposes—information aboutyour creditworthiness·State laws and individual companies may give you additional rights to limitsharing.  See Page 3 for more on your rights under state law.Sharing for nonaffiliates to market to you ·Your choices will apply only to you – unless you tell us otherwise.What happens when I limitsharing for an account I holdjointly with someone else?DefinitionsCompanies related by common ownership or control. They can befinancial and nonfinancial companies.AffiliatesOur affiliates include companies with a Huntington name and financialcompanies, such as banks, mortgage companies, vehicle leasingcompanies, securities brokers, investment advisors, and insuranceagencies.·Companies not related by common ownership or control. They can befinancial and nonfinancial companies.NonaffiliatesNonaffiliates we share with can include banks, securitiesbroker-dealers, insurance companies, data processors, softwarecompanies, collection agencies, credit bureaus, marketing serviceproviders, and state and federal government agencies.·A formal agreement between nonaffiliated financial companies thattogether market financial products or services to you.Make deposits or withdrawals from your accountApply for insurance or seek advice about your investmentsJoint marketingOur joint marketing partners include financial institutions with whom wehave joint marketing agreements, such as insurance companies,mutual fund companies, and motor vehicle dealers.·Who we areHuntington companies that are financial service providers, such as banks,mortgage companies, vehicle leasing companies, securities brokers,investment advisors, and insurance agencies. Who is providing this notice?Page 2·Page 3Other important informationIn addition to your rights described below and in this notice, you may have other rights under state laws.  We willcomply with applicable state laws with respect to our information practices. Important information for Ohio residents that apply for or obtain an insurance product for personal, family, orhousehold purposes from a Huntington insurance agency – State DisclosuresWe may collect personal information from sources other than the persons proposed for insurance coverage (see,for example, the “How does Huntington collect my personal information?” section).  We may also disclose thatinformation, as well as other personal or privileged information subsequently collected, to third parties outside ofHuntington without your authorization to the extent disclosure is permitted by law.  Ohio law provides a right toreview and correct personal information that Huntington collects about you.  To receive a more detaileddescription of our information practices, please write to us at: Huntington Customer Information Services, OhioInsurance Information Practices, P.O. Box 1558, HP0700, Columbus, Ohio 43216.Important information for Nevada residents – At any time, you may request to be placed on Huntington’s internal do-not-call list by calling us toll-free at1-800-537-0861.  Nevada law requires that we provide you with the following contact information to enable you toobtain further information: (i) Huntington Customer Information Services, Nevada Do-Not-Call Information, P.O.Box 1558, EA4W58, Columbus, Ohio 43216, Phone: 1-800-480-BANK (2265), Email: privacy@huntington.com,and (ii) Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Street, Suite3900, Las Vegas, Nevada 89101, Phone: 1-702-486-3132, Email: BCPINFO@ag.state.nv.us.California and Vermont Customers have other protections under state law.  If your primary mailing address is inCalifornia or Vermont, we will not share your credit or financial information that we collect except as permitted bylaw, including, for example, with your consent or to service your account.  We will also not use your information forjoint marketing purposes.  We do not share customer information with third parties except as permitted by law.  Affiliates Providing this Notice·The Huntington National Bank·The Huntington Investment Company·Huntington Insurance, Inc.·HBI Title Services, Inc.2019

You may call us toll-free at 1-800-537-0861 to tell us your preferences about receivingspecial pricing or other promotional offers from us.  If you do that, however, our abilityto tell you about offers that may benefit you and help you save and invest in your futuremay be limited.  Whether or not you make this choice, we will still contact you from timeto time about your accounts and provide account mailings to you, such as statementsand notices.  We may also include special pricing or other promotional offers with suchaccount mailings.Your Choice AboutPromotional Offers AdditionalInformationCollectionandUseDisclosuresIfyoubelieveanyoftheinformationwesharewithaconsumerreportingagencyisinerror,pleaseletusknow.Writetousat:HuntingtonCustomerInformationServices,ConsumerReportingAgencies,P.O.Box1558,EA4W25,Columbus,Ohio43216.Please provide us with your complete name, current address, phone number, andSocial Security number.  You will also need to include your account number, type ofaccount, the specific item in dispute and other supporting documentation or informationwe reasonably require.  You must tell us the reason you believe this information hasbeen reported in error.Correcting Errors inInformation We Sharewith ConsumerReporting AgenciesThe law provides certain rights to victims of identity theft.  If you believe you are a victimof identity theft with respect to any of your accounts or transactions with us, you maynotify us at: Huntington Customer Information Services, Identity Theft, P.O. Box 1558,EA3W21, Columbus, Ohio 43216.  Please provide as much detail as possible about theaccounts or transactions in question, including any dates and account or transactionnumbers that apply.  We may contact you to discuss additional information necessaryto resolve the matter.  For more information about our identity theft policies andpractices, please visit huntington.com and type “ID Theft” in the search box.  There youwill find helpful information about how to protect yourself.  You will also find additionalinformation on what to do if you believe you are a victim of identity theft.Identity TheftTo help the government fight the funding of terrorism and money laundering activities,federal law requires all financial institutions to obtain, verify, and record information thatidentifies each person who opens an account.  What this means for you: When youopen an account, we will ask for your name, address, date of birth, and otherinformation that will allow us to identify you.  We may also ask to see your driver’slicense or other identifying documents.Important InformationAbout Procedures forOpening a New AccountFrom time to time, a Huntington insurance agency may review your account and obtainadditional quotes on your insurance program to ensure your competitive place in themarket.  To perform this service, our quoting carriers will utilize certain consumer reportinformation, such as motor vehicle reports, claim history reports, and credit reports.You may request that our insurance agencies not provide this service by emailinginsurance.compliance@huntington.com or by writing to us at: Huntington Insurance,Insurance Opt-Out, P.O. Box 1558, HP0700, Columbus, Ohio 43216.  Please includeyour name, address, telephone numbers, the specific policy numbers, and SocialSecurity numbers on your written request.For Our InsuranceCustomers Member FDIC.        ® and Huntington®  are federally registered service marks of Huntington Bancshares Incorporated.©          Huntington Bancshares Incorporated.