1 of 2Form: RrCardSchumerBoxCustStatOAO (02/14)Annual Percentage Rate (APR)for Purchases Interest Rates and Interest ChargesBased on your creditworthinessAPR for Balance TransfersBased on your creditworthiness12.99% - 23.99%APR for Cash Advances         This APR 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 FeeFeesNone12.99% - 23.99%Based on your creditworthiness23.99%Based 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,THEJURYTRIAL WAIVER WILL ELIMINATE YOUR RIGHT TO A TRIAL BY JURY IN COURT. 9.99% - 20.99% 9.99% - 20.99% 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•LatePayment    •   Returned CheckUpto$35Upto$35HowWeWillCalculateYourBalance: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:222 of 2LossofIntroductoryRate:WemayendyourintroductoryAPRandapplythepost-introductoryPurchase/BalanceTransferAPRifall or part of your required minimum monthly payment is more than 60 days late.We add 20.74% to the Prime Rate to determine the Cash Advance APR.23Member FDIC.          and Huntington     are federally registered service marks of Huntington Bancshares Incorporated.  ©2014 Huntington Bancshares Incorporated.®®Thisinformationisaccurateasof05/2014andissubjecttochangeafterthisdate.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,weaddamarginofbetween9.74%and20.74%tothePrimeRatetodeterminethePurchase/BalanceTransferAPR.FortheLowerRateOption,weaddamarginofbetween6.74%and17.74%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.ThankyouforopeningaCreditCardAccountwithTheHuntingtonNationalBank.ThisAgreement,andanyfuturechanges we may make, is your contract with us.  It governs the use of your Card and Account.  WewilladviseyouofthecreditlimitonyourAccount.Aportionofyourcreditlimitmaybeavailableforcashadvances.Wemayincrease,decrease,restrictorcancelthecreditlimitorcashadvancelimitonyourAccountatany time.  We are not obligated to allow your Account to go over its credit limit.Credit limitInthisAgreement“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. YouagreetouseyourAccountinaccordancewiththetermsofthisAgreement.YoumustpayusforallamountsdueonyourAccount,includinganyinterestandfees.YouruseoftheAccountoranypaymentontheAccountindicates your acceptance of the terms of this Agreement.  Your Account must only be used for lawful transactions.DefinitionsYour AccountYoumaypurchaseorleasegoodsorservicesfromanymerchantthatacceptsyourCardorAccount.However,wereservetherightnottohonorQuasiCashorCash-Equivalentpurchases(e.g.,travelerschecks,moneyorders,gambling chips, and any other items that serve as cash or are convertible to cash). PurchasesWemayprovideBalanceTransferChecksand/orCashAdvanceChecksforyoutouse.Youmaynotuseeitherofthese to pay an amount owed to use under this Agreement or to pay any other Account you may have with us.Eachtimeyouattemptatransactionwhichresultsinyourapplicableoutstandingbalance,plusauthorizations,exceedingyourcreditline,wemay:(1)permitthetransactionwithoutraisingyourcreditline;(2)permitthetransactionandtreattheamountexceedingyourcreditlimitasimmediatelydue,or(3)declinethetransaction.Youare responsible for the total balance on your Account, even if your balance exceeds your credit limit.Transactions Exceeding Your Credit LimitYoumayauthorizeotherstouseyourAccount.YoumayrequestadditionalCardsforauthorizedusers.YoumustpayusforallpurchasesandcashadvancesmadebyanyauthorizeduseroranyoneelsethatyoupermittouseyourAccount.Youmustpayusevenifyoudidnotintendtoberesponsibleforthosecharges.YoumustnotifyusifyouwanttoremoveanauthorizeduserfromyourAccount.YoumustalsoretrieveanddestroyanyandallCardsintheir possession and cancel all of their billing arrangements to the Account.  Authorized usersChecksCardUseFromtimetotime,inoursolediscretion,wemayofferyoutheabilitytotransferotherbalancestoyourAccount.We do not permit balance transfers from other Account or loans you may have with us.Balance transfers1 of 12Voice Credit Card Cardholder Agreement Form: RrCardSchumerBoxCustStatOAO (02/14) YoumayobtainCashAdvancesonyourAccount.Theseadvancesmaybemadefromautomatictellermachines(ATM),banks,orfromCashAdvanceChecks.However,wereservetherightnottohonorATMusageatcasinos.Balance transfer checks made payable to cash or yourself will be treated as a cash advance.  Cash advancesYoumaysetupthisAccounttocoveroverdraftsonyourcheckingAccount.Ifyoudo,thenthetermsofthisAgreementandyourCheckingAccountAgreementwillapply.ForpurposesofthisAgreement,thesetransactionswillbetreatedasCashAdvances,subjecttotheCashAdvanceAPR,exceptthattherewillbenoassociatedtransaction fee. Overdraft 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 YouagreenottouseyourAccountforanytransactionthatisillegalwhereyouliveorwherethetransactiontakesplace.Youmustfindoutifatransactionislegalbeforeyoumakeit.YoualsoagreenottouseyourAccountforanyInternetoronlinegamblingtransaction,evenifitislegal.Wemayrefusetoauthorizeanyillegal,Internetoronlinegamblingtransaction.Ifwedoauthorizethetransaction,youagreetopayusforitunlessanapplicablelawsaysyoumay not.Illegal and Online Gambling TransactionsYoumaycloseyourAccountbynotifyingusinwritingoroverthephone.WemayalsocloseyourAccountorsuspendAccountprivilegesatanytimeandforanyreason.Wemaydothiswithoutpriornoticetoyou.WealsohavetherightnottorenewyourAccountuponitsexpiration.IfyouorwecloseyourAccount,youmuststillrepaythetotalbalanceinaccordancewiththetermsofthisAgreement.IfyourAccountisclosed,youmustreturnanyCard to us upon request.Closing your Account2 of 12YoumustcontactusifanyCard,Accountnumber,orcheckislostorstolen.Youmustalsonotifyusifyouthinksomeoneusedormayusethemwithoutyourpermission.YoumaycontactusbycallingthetelephonenumberonthebackofyourCardoronyourbillingstatementorbywritingusattheaddresslistedonyourstatement.Whenyoucontactus,wemayrequireyoutoprovideinformationtohelpinourinvestigation.Wemayrequireyoutoprovide this information in writing. Lost or Stolen Cards, Account Numbers, or Cash Convenience 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 are 23.49% or Lower: You must pay the greater of:$10; or•However, if the New Balance is less than $10, you must pay the New Balance.b.IfAnyAPRisOver23.49%:IfanAPRgreaterthan23.49%appliesattheendofanybillingperiod,youmustpay$15plus(1)anyinterestaccruedforthatbillingperiod,(2)anyBalanceTransferFee,ExpeditedPaymentFee,thathasbeenassessedduringthatbillingperiod,(3)anyunpaidMinimumPaymentsDuefrompreviousbillsand(4)anyamountofyourNewBalancethatexceedsyourcreditlimitandisnotalreadyincludedaspartof any unpaid Minimum Payments Due from previous bills.Thereisnoperiodinwhichyoucanpaybackacashadvance,anyothertransactiontreatedasacashadvanceunderthisAgreement,orabalancetransfertoavoidincurringaFinanceCharge.Foracashadvanceusingaconveniencecheck,thedateoftheadvanceisthedatetheconveniencecheckispresentedtousorouragentforpayment.Forallothercashadvances,thedateoftheadvanceisthedateyouobtainedtheadvance.ForpurchasesusingtheCard,therewillbenoFinanceChargeimposedonyourpurchasesinanybillingperiodinwhich(i)thereisnopreviousbalanceor(ii)paymentsreceivedandcreditsissuedbythePaymentDueDateequalorexceedthePreviousBalance.ThePaymentDueDatewillbedeterminedbyus,butwillbeatleast21daysaftertheStatementClosingDateshownonyourlastStatement.ThenumberofdaysbetweenyourStatementClosingDateandyourPaymentDueDate(thegraceperiod)mayvaryfromonebillingperiodtoanother.IfwedonotreceiveapaymentfortheNewBalanceinfullbythePaymentDueDateshownonyourlastBillingStatement,wewilladdaFinanceChargetoyourAccount.IfweaddaFinanceCharge,wewillbegintoassessthechargeoneachpurchasefromthedateofpurchase.Interest-Free Period / Interest Charges3 of 12Wereservetherighttoapplypaymentsequaltoorlessthantherequiredminimumpaymentamountinamannerofourchoosing,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,Ifyoudochoosetouseanalternatepaymentmethod, we will disclose the then current fee amount to you before you authorize your payment.Alternate Payment MethodsWecalculateseparateBalancesSubjecttoanInterestRateforeachtypeoftransactionassociatedwithyourAccount.Average Daily Balance Method (Including New Purchases) Foreachdayinthebillingperiod,wemultiplythedailybalancetimesthedailyperiodicratetogetyourinterestchargeforthatday.Thedailyperiodicrateis1/365thoftheannualpercentagerateineffectforthebillingperiod.Weaddallthedailyinterestchargesandroundtothenearestpenny,togetyourtotalinterestchargesforthatbillingperiod.Rate we chargeWethensubtractfromeachbalance,asapplicable,thenewday'spaymentsandcredits,andtreatanynetcredit balance as a zero balance.Average Daily BalanceAny interest charge from the prior 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 4 of 12We add purchases, balance transfers and cash advances as of the date of the transaction.•When we add each transaction type to your balanceWe add cash advance checks or balance transfer checks as of the date they are present to us for payment.•Weaddfeeseitheronthedateofarelatedtransaction,thedatetheyarepostedtoyourAccount,orthelastday of the billing period, whichever we may choose.•TheBalancesSubjecttoInterestRateforeachtypeoftransactionshownonyourbillingstatementisthesumofthedaily balances for that type of transaction divided by the number of days in the billing period.How to Calculate Variable RatesVariablerateAPR’sarecalculatedbyaddingtogetherthePrimeRateandamargin.IfthePrimeRateincreases,itwillcausetheAPRtoincrease.IfthePrimeRatedecreases,itwillcausetheAPRtodecrease.ForeachbillingperiodweusethePrimeRatepublishedinTheWallStreetJournaltwobusinessdaysbeforetheStatementClosingDate.IfthePrimeRatecausesanAPRtochange,weputthenewAPRintoeffectasofthefirstdayofthebillingperiodforwhichwecalculatetheAPR.WeapplythenewAPRtoanyexistingbalances,subjecttoanypromotionalrate that may apply. If The Wall Street Journal does not publish the Prime Rate, we will use a similar published rate.Minimum InterestWewillchargeyouaminimumFINANCECHARGEof$1.00foranybillingperiodinwhichaFinanceChargeisdue.Effect of APR IncreasesIf an APR increases, interest charges will increase.  Your minimum payment may increase as well.Late FeeWecanchargeyoualatefeeofupto$35.00,asallowedbylaw,ifyoudonotpayusatleasttheMinimumPaymentDueforeachbillingperiodorifwereceiveyourpaymentafterthePaymentDueDateshownonyourBillingStatement.Return Check Fees/ Return Payment FeesYouagreetopayafeeupto$35.00foreachconveniencecheckwrittenagainstyourAccountwhichfailstoclearandisreturnedunsatisfied.WemaypostthisfeetoyourAccounteachtimeapaymentcheckoraconveniencecheckyouissueisdishonored,evenifwerepresentyourcheck,andevenifsuchcheckispaiduponre-presentment.Youalsoagreetopayafeeupto$35.00foreachconveniencecheckwrittenagainstyourAccountonwhichwestoppayment at your request.Fees5 of 12Balance Transfer FeeForanybalancetransfer,youwillpayatransactionfeeequaltothegreaterof$10.00or3%oftheamountofthecashadvance,perbalancetransfer.HuntingtonEmployeeswillpayatransactionfeeequalto2%oftheamountofthe balance transfer, per balance transfer.Cash Advance FeeForanycashadvance,youwillpayatransactionfeeequaltothegreaterof$10.00or3%oftheamountofthecashadvance, per cash advance.Expedited Delivery FeeAfeeifyourequestandweagreetoarrangeforexpediteddeliveryofanyCardorCheckstoyou(forexample,byanovernightdeliveryservice).Wewilldisclosetheamountofthisfeeatthetimeyourequestthisservice.Ifyouthen confirm and we honor your request, we will charge the fee disclosed at the time of the request.Annual Statement FeeWemaychargeafeeof$15toprovideyouwithanannualsummarystatementshowingyourAccountactivityforthe calendar year.CommunicationsUntilyourAccountisfinallysettled,yougivedirectandexpressconsenttoreceivecommunicationsregardingyourAccounttous,anyservicersandanycollectorsofyourAccount,throughvariousmeanssuchas1)anycell,landline,ortextnumberthatyouprovide,2)anyemailaddressthatyouprovide,3)autodialersystems,4)recordedmessages,andotherformsofcommunications.Further,youagreethatanysuchcommunicationsarenotunsolicitedfor 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.Alert and Text ServicesSomeaccountsincludeaccesstomobiletextmessagingrelatedservices(“TextServices”)and/ore-mailandmobiletextmessagingalerts(“Alerts”).Youagreethatwemaysendmobiletextmessagestoyouthroughyourcommunicationserviceprovider,asyouragent,usinganytelephonenumberore-mailaddressorotherdeliverylocation you have provided or we have in our records.TheTextServicesandAlertsareprovidedforyourconvenienceanddonotreplaceyourmonthlyaccountstatement(s),whicharetheofficialrecordofyouraccounts.Youunderstandandagreetheseservicesmaynotbeencryptedandmayincludepersonalorconfidentialinformationaboutyousuchasyouraccountactivityorthestatusofyouraccount.Messagesmaybedelayedorimpactedbyfactor(s)outsideofourcontrol.Wearenotresponsibleinthosecasesorforlossesordamagesarisingfromanydisclosureofaccountinformationtothirdparties,non-delivery,delayeddelivery,misdirecteddeliveryormishandlingof,orinaccuratecontentin,themessagessentthrough 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 applicable Account is closed.6 of 12Research/Documentation Charges Wehavetherighttochargeyoufordocumentationrequestsintheamountof$5.00foreachcopyofasalesdraft,creditslip,orbillingstatement.However,wewillnotassessthischargeifyourrequestisbaseduponabillingerrorandyoufollowtheproceduresprovidedinthebillingrightssectionofthisAgreement.Inaddition,foreachAccountresearchrequestthatyoumakethatisnotcoveredbythebillingrightssectionofthisAgreement,wehavetherightto charge you a fee of $25.00 per hour of research.Youareresponsibleforanyandallcharges,including,butnotlimitedto,feesassociatedwithtextmessagingGoverning LawTHISAGREEMENTISGOVERNEDBYOHIOLAWANDAPPLICABLEFEDERALLAW.THISISTHELAWWEARESPEAKINGOFWHENWEREFERTOATERMPERMITTEDORREQUIREDBYAPPLICABLE LAW.Change in TermsWemayadd,changeordeletethetermsofyourAccount(including,butnotlimitedto,AnnualPercentageRateandothersignificantchanges).Ifnoticeisrequired,itwillbemailedtoyouatleastforty-five(45)dayspriortotheeffectivedateofthechange.NoticemayalsoincludeastatementofyourrighttocanceltheAccount prior to the effective date of the change.AssignmentYourrightsunderthisAgreementcannotbetransferredbyyou,byoperationoflaw,orotherwise,butyourobligationsshallbebindinguponyourestateorpersonalrepresentatives.WemaytransferorassignyourAccount,and/orthisAgreement,oranyofourrightsunderthisAgreement,toanotherpersonorentityatanytimewithoutprior notice to you or your consent.No Waiver of RightsWecandelayenforcingourrightsunderthisAgreementwithoutlosingthem.Wecanacceptlatepayments,partialpaymentsorchecksandmoneyordersmarkedasbeingpaymentinfullwithoutlosinganyrightsunderthisAgreement.Sharing of Information with MasterCardYouagreethatwemayprovideyourpersonaldatatoMasterCard,itsMembers,ortheirrespectivecontractorsforthe purpose of providing Emergency Cash Advances and Emergency Card Replacement Services. 7 of 12Credit InformationYouauthorizeustoobtainreportsfromconsumerreportingagenciesinconnectionwithyourapplicationandanyresultingAccount,includingforupdate,review,renewal,extension,orcollectionofamountsowedontheAccount.YoualsoagreethatwemayfurnishinformationaboutyouandyourAccounttoconsumerreportingagenciesandotherswhoarepermittedbylawtoreceiveit.IfyoubelievetheAccountinformationwereportedtoaconsumerreportingagencyisinaccurate,youmaywritetousattheaddressprovidedonthecreditreportfromtheconsumerreportingagency.YourwrittendisputemustprovidesufficientinformationtolocatetheAccountandwhyyoubelievetheinformationisinaccurate.Ifavailable,provideacopyofthesectionofthecreditreportshowingtheAccount information you are disputing.DefaultYouwillbeindefaultifyoufailtomakeanypaymentwhendue,exceedyourcreditlimit,die,becomeasubjectofbankruptcyorinsolvencyproceedings,donotcomplywithanyofthetermsofthisAgreement,orifyouhaveprovidedfalseinformationtoobtainormaintainthisAccount.Ifyouareindefault,wemay,inoursolediscretion,declareallamountsyouowetobeimmediatelydueandpayable,prohibitanyfurthertransactionsonyourAccount,canceltheCards,andrevokeanyprivilegesassociatedwiththeCard.Intheeventofdefault,youagreetodestroyand/orreturnallCardstousorourdesigneeupondemand.Ifyouareindefault,wemay,inoursolediscretion,refusetopayanyofyourconveniencechecksthatarepresentedtous.Ifwedecidetohonorsuchchecks,youwillowe us the amount of such checks under the terms of this Agreement.imposedbyyourcommunicationsserviceprovider.Messageanddataratesmayapply.Suchchargesincludethosefromyourcommunicationsserviceprovider.Messagefrequencydependsonuserpreferences.TocanceltheTextServices,sendSTOPto446622atanytime.ForhelporinformationontheTextServices,sendHELPto446622.ForadditionalassistancewiththeTextServices,contactcustomerserviceat1-800-530-6493.Arbitration AgreementARBITRATIONPROVISION.Arbitrationisamethodofresolvingdisputesinfrontofanarbitratorinsteadofhavingatrialincourtinfrontofajudgeorjury.An“arbitrator”isaneutralpersonfromoneoftheorganizationslistedbelowwhowilldecidethedispute.ThisArbitrationProvisiongovernswhenandhowdisputesbetweenyouanduswillbearbitratedifadisputearisesandyouorwechoosetoarbitratethedisputeinsteadofhavingacourtorjury resolve the dispute.READTHISARBITRATIONPROVISIONCAREFULLY.IFYOUDONOTREJECTTHISARBITRATIONPROVISIONASSETFORTHBELOW,ITWILLBEPARTOFTHISAGREEMENTANDWILLHAVEASUBSTANTIALIMPACTONTHEWAYYOUORWEWILLRESOLVEANYCLAIM WHICH YOU OR WE HAVE AGAINST EACH OTHER NOW OR IN THE FUTURE. YOURRIGHTTOREJECT:Ifyoudon’twantthisArbitrationProvisiontoapply,youmayrejectitbysendingusawrittenArbitrationRejectionNoticewhich(a)statesthatyou(orbothorallofyou,ifmorethanone)wishtorejecttheArbitrationProvision;(b)statesyourname,addressandAccountnumber;(c)issignedbyyouandanyotherpersonwhoisrejectingtheArbitrationProvision;and(d)issentbycertifiedmail,returnreceiptrequested,to[TheHuntingtonNationalBank,EA4W25-CreditCardArbitration,P.OBox1558,Columbus,Ohio43272.]Uponreceiptofthisnotice,wewillcredityourAccountforthestandardcostofacertifiedletter.ThesearetheonlyproceduresyoucanusetorejecttheArbitrationProvision.AnArbitrationRejectionNoticeisonlyeffectiveifitissignedbyyou(allofyou,ifmorethanone)andifwereceiveitwithinthirty(30)calendardaysafterthedatewefirstprovideyouwithacreditCardAgreementorwrittennoticeprovidingyouarighttorejectthisArbitrationProvision.YourrejectionofthisArbitrationProvisionwillnotaffectanyotherprovisionofthisAgreementoryourabilitytoobtaincredit.IfyourejectthisArbitrationProvision,thatwillnotconstitutearejectionofanypriorarbitrationprovisionbetweenyouandus.Evenifyoupreviouslyrejectedanarbitrationprovisionbetweenyouandus,youwillbeboundbythisArbitrationProvisionunlessyourejectit.PLEASENOTETHATTHEJURYTRIALWAIVER,WHICHISLISTEDBELOW,ISNOTPARTOFTHISARBITRATIONPROVISION.REJECTINGTHISARBITRATION PROVISION WILL NOT ACT AS A REJECTION OF THE JURY TRIAL WAIVER.(a)PartiesSubjecttoArbitration–SpecialDefinitions:SolelyasusedinthisArbitrationProvision(andnotelsewhereinthisAgreement),theterms“we,”“us”and“our”mean(a)TheHuntingtonNationalBank(the"Bank"),anyparent,subsidiaryoraffiliateoftheBankandtheemployees,officersanddirectorsofsuchcompanies(collectively,the“BankParties”);and(b)anyotherpersonorcompanythatprovidesanygoodsorservicesinconnectionwiththisAgreementifyouassertaClaimagainstsuchotherpersonorcompanyinconnectionwithaClaim you assert against any Bank Party. (b)WhatClaimsareCovered:"Claim”meansanyclaim,disputeorcontroversybetweenyouandus(whetherpreexisting,presentorfuture)thatinanywayarisesfromorrelatestothisAgreement,yourAccount,theissuanceofanyCard,anyrewardsprogramoranypriorAgreementorAccount.“Claim”includesdisputesarisingfromactionsoromissionspriortothedateanyCardwasissuedtoyou,includingtheadvertisingrelatedto,applicationfororapprovaloftheAccount.“Claim”hasthebroadestpossiblemeaning,andincludesinitialclaims,counterclaims,cross-claims,third-partyclaims,federal,state,localandadministrativeclaimsandclaimswhicharosebeforetheeffectivedateofthisArbitrationProvision.Itincludesdisputesbaseduponcontract,tort,consumerrights,fraudandotherintentionaltorts,constitution,statute,regulation,ordinance,commonlawandequityandclaims for money damages and injunctive or declaratory relief.  8 of 12(c)ExcludedClaimorProceeding.Notwithstandingtheforegoing,“Claim”doesnotincludeanydisputeaboutthevalidity,scopeorenforceabilityofthisArbitrationProvisionoranypartthereof(including,withoutlimitation,theClassActionWaiversetforthbelowandthissentence);anysuchdisputeshallberesolvedbyacourtandnotbyanarbitratororadministrator.However,anydisputeaboutthevalidityorenforceabilityoftheAgreementasawholeisforthearbitrator,notacourt,todecide.Inaddition,thisArbitrationProvisionwillnotapplyto(1)anyindividualactionbroughtbyyouinsmallclaimscourtoryourstate’sequivalentcourt,unlesssuchactionistransferred,removed,orappealedtoadifferentcourt;or(2)anyClaimsthatarethesubjectofaclassactionfiledincourtthatispendingasoftheeffectivedateofthisArbitrationProvisioninwhichyouareallegedtobeamemberofthe putative class for as long as such class action is pending. (d) Arbitration Procedures.   Electingarbitration.IfyouorweelecttoarbitrateaClaimratherthanhaveacourtdecidetheClaim,thepartyelectingarbitrationmustnotifytheotherpartyinwriting.ThisnoticecanbegivenbeforeorafterthebeginningofalawsuitorwithrespecttootherClaimsbroughtlaterinthelawsuitandcanbegiveninpapersfiledinthelawsuit(forexample,amotionbythedefendanttocompelarbitrationofclaimsassertedbytheplaintiffinalawsuitfiledincourt).Otherwise,yournoticemustbesentto[TheHuntingtonNationalBank,CreditCardArbitration,Attention:CustomerService,P.OBox1558,Columbus,Ohio43272],andournoticemustbesenttothemostrecentaddressforyouinourfiles.Anyarbitrationhearingthatyouattendwilltakeplaceinalocationreasonablyconvenienttowhereyouresideunlessyouandweagreeotherwise.IfapartyfilesalawsuitincourtassertingClaim(s)thataresubjecttoarbitrationandtheotherpartyfilesamotiontocompelarbitrationwiththecourtwhichisgranted,itwillbetheresponsibilityofthepartyassertingtheClaim(s)toselectanarbitrationadministratorpursuanttotheparagraph below and start the arbitration proceeding in accordance with the administrator’s rules and procedures. Arbitrationadministratorsandrules.Thearbitrationadministratorwillbe:AmericanArbitrationAssociation(“AAA”),1633Broadway,10thFloor,NewYork,NY10019,www.adr.org,1-800-778-7879;orJAMS,620EighthAvenue,34thFloor,NewYork,NY10018,www.jamsadr.com,1-800-352-5267.Youmaycontacttheseorganizationsdirectlyifyouhaveanyquestionsaboutthewaytheyconductarbitrationsorwanttoobtainacopyoftheirrulesandforms(whicharealsoavailableontheirwebsites).IftheAAAandJAMSareunableorunwillingtoserveasadministrator,thepartiesmayagreeuponanotheradministratoror,iftheyareunabletoagree,acourtshallselecttheadministratororarbitrator.Nopersonorcompanymayserveasarbitratororadministrator,withouttheconsentofallparties,ifhe,sheoritadoptsorhasinplaceanyformalorinformalpolicythatisinconsistentwithand purports to override the terms of the Class Action Waiver in this Arbitration Provision.  Thearbitrator.Asinglearbitratorwillbeappointedbytheadministratorandmustbeapracticingattorneywithtenor more years of experience or a retired judge.Whatlawthearbitratorwillapply.Thearbitratorwillnotbeboundbyjudicialrulesofprocedureandevidencethatwouldapplyinacourt,orbystateorlocallawsthatrelatetoarbitrationproceedings.Thearbitratorwillapplythesamestatutesoflimitationandprivilegesthatacourtwouldapplyifthematterwerependingincourt.Indeterminingliabilityorawardingdamagesorotherrelief,thearbitratorwillfollowtheapplicablesubstantivelaw,consistentwiththeFederalArbitrationAct("FAA"),thatwouldapplyifthematterhadbeenbroughtincourt.Thearbitratormayawardanydamagesorotherrelieforremediesthatwouldapplyunderapplicablelawtoanindividualactionbroughtincourt,including,withoutlimitation,punitivedamages(whichshallbegovernedbytheConstitutionalstandardsemployedbythecourts)andinjunctive,equitableanddeclaratoryrelief(butonlyinfavoroftheindividualpartyseekingreliefandonlytotheextentnecessarytoprovidereliefwarrantedbythatparty’sindividualclaim).Thearbitratorwillhavetheauthoritytoawardfeesandcostsofattorneys,witnessesandexpertstotheextentpermittedbythisAgreement,theadministrator’srulesorapplicablelaw.WithrespecttoClaim(s)assertedbyyouinanindividualarbitration,wewillpayyourreasonableattorney,witnessandexpertfeesandcostsifandtotheextentyouprevail,ifapplicablelawrequiresustoorifwemustbearsuchfeesandcostsinorderforthisArbitrationProvisiontobeenforced.Wewillnotaskyoutopayorreimburseusforanyofourattorney,expertand witness fees in connection with the arbitration, regardless of which party prevails in the arbitration.9 of 12Arbitrationcosts.Atyourwrittenrequest,wewillpayallfiling,hearingand/orotherfeeschargedbytheadministratorandarbitratortoyouforClaim(s)assertedbyyouinanindividualarbitrationafteryouhavepaidanamountequivalenttothefee,ifany,forfilingsuchClaim(s)instateorfederalcourt(whicheverisless)inthejudicialdistrictinwhichyoureside.(IfyouhavealreadypaidafilingfeeforassertingtheClaim(s)incourt,youwillnotberequiredtopaythatamountagain).Inaddition,theadministratormayhaveaprocedurewherebyyoucanseekawaiveroffeeschargedtoyoubytheadministratorandarbitrator.Wewillpayanyfeesorexpensesthatwearerequiredtopaybylawortheadministrator’srulesorthatwearerequiredtopayforthisArbitrationProvision to be enforced.Righttodiscovery.Inadditiontotheparties’rightstoobtaindiscoverypursuanttothearbitrationrulesoftheadministrator,eitherpartymaysubmitawrittenrequesttothearbitratortoexpandthescopeofdiscoverynormallyallowableunderthearbitrationrulesoftheadministrator.Thearbitratorshallhavediscretiontograntordenythatrequest.  (e)FederalArbitrationAct.ThepartiesagreeandacknowledgethattheAgreementevidencesatransactioninvolvinginterstatecommerceand,therefore,afederalstatute,theFAA(Title9oftheUnitedStatesCode),shallgoverntheinterpretationandenforcementofthisArbitrationProvisionandproceedingspursuantthereto.Totheextent state law is applicable under the FAA, the law of the state of Ohio shall apply.(f)ClassActionWaiver.NotwithstandinganyotherprovisionoftheAgreement,ifeitheryouorweelecttoarbitrateaClaim,neitheryounorwewillhavetheright:(a)toparticipateinaclassaction,privateattorneygeneralactionorotherrepresentativeactionincourtorinarbitration,eitherasaclassrepresentativeorclassmember;or(b)tojoinorconsolidateClaimswithclaimsofanyotherpersons.Noarbitratorshallhaveauthoritytoconductanyarbitrationinviolationofthisprovisionortoissueanyreliefthatappliestoanypersonorentityotherthanyouand/orusindividually.(Provided,however,thattheClassActionWaiverdoesnotapplytoanylawsuitoradministrativeproceedingfiledagainstusbyastateorfederalgovernmentagencyevenwhensuchagencyisseekingreliefonbehalfofaclassofborrowersincludingyou.Thismeansthatwewillnothavetherighttocompelarbitrationofanyclaimbroughtbysuchanagency).ThepartiesacknowledgethattheClassActionWaiverismaterialandessentialtothearbitrationofanydisputesbetweenthemandisnon-severablefromthisArbitrationProvision.IftheClassActionWaiverislimited,voidedorfoundunenforceable,thentheparties’ArbitrationProvision(exceptforthissentence)shallbenullandvoidwithrespecttosuchproceeding,subjecttotherighttoappealthelimitationorinvalidationoftheClassActionWaiver.Thepartiesacknowledgeandagreethatundernocircumstanceswillaclassactionbearbitrated.(g)TheArbitrator’sDecision.Atthetimelyrequestofeitherparty,thearbitratorshallwriteabriefexplanationofthegroundsforthedecision.Ajudgmentonthearbitrator’sdecision(calledthe“award”)maybeenteredbyanycourt having jurisdiction.  (h)EffectofArbitrationAward;Appeal.Thearbitrator'sawardshallbefinalandbindingonallparties,exceptforanyrightofappealprovidedbytheFAA.However,iftheamountoftheClaimexceeds$50,000,anypartycan,within14daysaftertheentryoftheawardbythearbitrator,appealtheawardtoathree-arbitratorpaneladministeredbytheadministrator.Thepanelshallreconsideranewanyaspectoftheinitialawardrequestedbytheappealingparty.Thedecisionofthepanelshallbebymajorityvote.Unlessthepartiesagreeotherwise,andtotheextentfeasible,theappealwillbeconductedpursuanttoormodeledaftertheJAMSOptionalAppealProcedure,availableathttp://www.jamsadr.com/rules-optional-appeal-procedure.ReferenceinthisArbitrationProvisionto“thearbitrator”shallmeanthepanelifanappealofthearbitrator’sdecisionhasbeentaken.Thecostsofsuchanappealwillbeborneinaccordancewiththesubparagraphabove,captioned“Arbitrationcosts.”Anyfinaldecisionof the appeal panel is subject to judicial review only as provided under the FAA. 10 of 12(i)NoticeandCure;SpecialPayment.PriortoinitiatingaClaim,youmaysendusawrittenDisputeClaimNotice.InorderforaDisputeClaimNoticetobevalidandeffective,itmust:(a)stateyourname,addressandAccountnumber;(b)besignedbyyou;(c)describethebasisofyourClaimandtheamountyouwouldaccepttoresolvetheClaim;(d)statethatyouareexercisingyourrightsunderthe“NoticeandCure”paragraphoftheArbitrationProvision;and(e)besenttousbycertifiedmail,returnreceiptrequested,at[TheHuntingtonNationalBank,CreditCardArbitration,Attention:CustomerService,P.OBox1558,Columbus,Ohio43272.]ThisisthesoleandonlymethodbywhichyoucansubmitaDisputeClaimNotice.UponreceiptofaDisputeClaimNotice,wewillcredityourAccountforthestandardcostofacertifiedletter.Youmustgiveusareasonableopportunity,notlessthan30days,toresolvetheClaim.If,andonlyif,(i)yousubmitaDisputeClaimNoticeinaccordancewiththisparagraphonyourownbehalf(andnotonbehalfofanyotherparty);(ii)youcooperatewithusbypromptlyprovidingtheinformationwereasonablyrequest;(iii)werefusetoprovideyouwiththereliefyourequestbeforeanarbitratorisappointed;and(iv)thematterthenproceedstoarbitrationandthearbitratorsubsequentlydeterminesthatyouwereentitledtosuchrelief(orgreaterrelief),youwillbeentitledtoaminimumawardofatleast$7,500(notincludinganyarbitrationfeesandattorneys’feesandcoststowhichyouwillalsobeentitled).WeencourageyoutoaddressallClaimsyouhaveinasingleDepositDisputeClaimNoticeand/orasinglearbitration.Accordingly,this$7,500minimumawardisasingleawardthatappliestoallClaimsyouhaveassertedorcouldhave asserted in the arbitration, and multiple awards of $7,500 are not contemplated.(j)RulesofInterpretation:ThisArbitrationProvisionshallsurvive(i)theterminationorclosingofyourAccount,(ii)theterminationofanyrelationshipbetweenus,includingtheterminationofthisAgreement,and(iii)anybankruptcyofanyparty,totheextentconsistentwithapplicablebankruptcylaw.IntheeventofaconflictbetweentheprovisionsofthisArbitrationProvision,ontheonehand,andanyapplicablerulesoftheAAAorJAMSorotheradministratorusedoranyothertermsofthisAgreement,ontheotherhand,theprovisionsofthisArbitrationProvision shall control.(k)Severability.IfanyportionofthisArbitrationProvision,otherthantheClassActionWaiver,isdeemedinvalidor unenforceable, the remaining portions shall nevertheless remain in force. JURYTRIALWAIVER.TOTHEEXTENTPERMITTEDBYAPPLICABLELAW,IFADISPUTEISRESOLVEDINCOURTRATHERTHANARBITRATION,YOUANDWEHEREBYKNOWINGLY,VOLUNTARILY,INTENTIONALLYANDIRREVOCABLYWAIVEANYRIGHTTOATRIALBYJURYINRESPECTTOANYLITIGATIONBASEDUPONORARISINGOUTOFTHISAGREEMENT,RELATINGTOYOURACCOUNT,ORANYOTHERDISPUTEORCONTROVERSYBETWEENYOUAND US.Billing Disputes InformationYour Billing Rights; Keep This Notice For Future Use.  ThisNoticecontainsimportantinformationaboutyourrightsandourresponsibilitiesundertheFairCreditBillingAct.NOTICE OF REPORTING ERRORS.IfyoubelievetheAccountinformationbeingreportedtoaconsumerreportingagencyisinaccurate,youmaywritetousattheBillingErrorsaddressbelow.Pleasespecifyinyourlettertheinformationthatyoubelieveisinaccurate.Notify Us In Case of Errors or Questions About Your Bill.Ifyouthinkyourbilliswrong,orifyouneedmoreinformationaboutatransactiononyourbill,writeusonaseparate sheet at:11 of 12BILLING ERROR NOTICE ADDRESSWritetousassoonaspossible.Wemusthearfromyounolaterthan60daysafterwesentyouthefirstbillonwhich the error or problem appeared. You can telephone us, but doing so will not preserve your rights.   Huntington National Bank – Dispute Resolution P. O. Box 84082 Columbus, GA  31993-9261Inyourletter,giveusthefollowinginformation:YournameandAccountnumber,thedollaramountofthesuspectederror,describetheerrorandexplain,ifyoucan,whyyoubelievethereisanerror.Ifyouneedmoreinformation, describe the item you are not sure about.IfyouhaveauthorizedustopayyourcreditCardbillautomaticallyfromyoursavingsorcheckingAccount,youcanstopthepaymentonanyamountyouthinkiswrong.Tostopthepayment,yourlettermustreachusthreebusiness days before the automatic payment is scheduled to occur. Your Rights and Our Responsibilities After We Receive Your Written NoticeWemustacknowledgeyourletterwithin30days,unlesswehavecorrectedtheerrorbythen.Within90days,wemust either correct the error or explain why we believe the bill was correct.  Afterwereceiveyourletter,wecannottrytocollectanyamountyouquestion,orreportyouasdelinquent.Wecancontinuetobillyoufortheamountyouquestion,includingfinancecharges,andwecanapplyanyunpaidamountagainstyourcreditlimit.Youdonothavetopayanyquestionedamountwhileweareinvestigating,butyouarestillobligated to pay the parts of your bill that are not in question. Ifwefindthatwemadeamistakeonyourbill,youwillnothavetopayanyfinancechargesrelatedtoanyquestionedamount.Ifwedidn'tmakeamistake,youmayhavetopayfinancecharges,andyouwillhavetomakeupanymissedpaymentsonthequestionedamount.Ineithercase,wewillsendyouastatementoftheamountyouowe and the date that it is due. Ifyoufailtopaytheamountthatwethinkyouowe,wemayreportyouasdelinquent.However,ifourexplanationdoesnotsatisfyyouandyouwritetouswithintendaystellingusthatyoustillrefusetopay,wemusttellanyonewereportyoutothatyouhaveaquestionaboutyourbill.And,wemusttellyouthenameofanyonewereportedyou to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your bill was correct. Special Rule For Credit Card PurchasesIfyouhaveaproblemwiththequalityofpropertyorservicesthatyoupurchasedwithacreditCard,andyouhavetriedingoodfaithtocorrecttheproblemwiththemerchant,youmayhavetherightnottopaytheremainingamountdueonthepropertyorservices.Therearetwolimitationsonthisright:(a)youmusthavemadethepurchaseinyourhomestateor,ifnotwithinyourhomestate,within100milesofyourcurrentmailingaddress;and,(b)thepurchasepricemusthavebeenmorethan$50.00.Theselimitationsdonotapplyifweownoroperatethemerchant,or if we mailed you the advertisement for the property or services.12 of 12Member FDIC.          and Huntington     are federally registered service marks of Huntington BancsharesIncorporated.  ©2014 Huntington Bancshares Incorporated.®®