1 of 2Form: RrCardSchumerBoxCustStatOAO (10/17)Annual Percentage Rate (APR)for Purchases Interest Rates and Interest ChargesBased on your creditworthinessAPR for Balance TransfersBased on your creditworthiness13.99% - 26.99%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 FeeFeesNone13.99% - 26.99%Based on your creditworthiness24.99% - 29.99%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,THEJURYTRIALWAIVERWILLELIMINATEYOURRIGHTTOATRIALBYJURYINCOURT.HOWEVER,THEARBITRATIONPROVISIONANDJURYTRIALWAIVERWILLNOTAPPLYTOTHEEXTENTTHATYOUAREA“COVEREDBORROWER” PROTECTED BY THE MILITARY LENDING ACT.10.99% - 23.99% 10.99% - 23.99% 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•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:22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.  ©2017 Huntington Bancshares Incorporated.®®Thisinformationisaccurateasof11/2017andissubjecttochangeafterthisdate.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%and22.74%tothePrimeRatetodeterminethePurchase/BalanceTransferAPR.FortheLowerRateOption,weaddamarginofbetween6.74%and19.74%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.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 13Voice Credit Card Cardholder Agreement Form:RrCardSchumerBoxCustStatOAO(CardHolderArbAgree)(10/17)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 13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 13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 13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$38.00,asallowedbylaw,ifyoudonotpayusatleasttheMinimumPaymentDueforeachbillingperiodorifwereceiveyourpaymentafterthePaymentDueDateshownonyourBillingStatement.Disclosures for “Covered Borrowers” under the Military Lending Act, 10 U.S.C. § 987(“MLA“)Fees5 of 13FederallawprovidesimportantprotectionstomembersoftheArmedForcesandtheirdependentsrelatingtoextensionsofconsumercredit.Ingeneral,thecostofconsumercredittoamemberoftheArmedForcesandhisorherdependentmaynotexceedanAnnualPercentageRateof36percent.Thisratemustinclude,asapplicabletothecredittransactionoraccount:Thecostsassociatedwithcreditinsurancepremiums;feesforancillaryproductssoldinconnectionwiththecredittransaction;anyapplicationfeecharged(otherthancertainapplicationfeesforspecifiedcredittransactionsoraccounts);andanyparticipationfeecharged(otherthancertainparticipationfeesfora credit card account). Inaddition,youreceivedtheVoiceCreditCardTermsandConditionswhichprovidesdisclosuresaroundthetermsandconditionsofyourCard.Finally,pleaserefertoboththeVoiceCreditCardTermsandConditionsandtheVoiceCreditCardCardholderAgreement(page3“MinimumPayments”)foryourpaymentobligationsunderyourAccount. MLAOralDisclosureStatement–UndertheMLA,youhavetherighttoreceivecertaindisclosuresorally.Youcan receive the required MLA oral disclosures by calling 1-866-278-4848, a toll free phone number. WemayusemathematicalformulasthatproduceequivalentresultstocalculatetheBalanceSubjecttoInterestRate,interest charges and related amounts.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.Balance Transfer FeeSomeaccountsincludeaccesstomobiletextmessagingrelatedservices(“TextServices”)and/ore-mailandmobiletextmessagingalerts(“Alerts”).Youagreethatwemaysendmobiletextmessagestoyouthroughyourcommunicationserviceprovider,asyouragent,usinganytelephonenumberore-mailaddressorotherdeliverylocation you have provided or we have in our records.6 of 13Research/Documentation Charges Wehavetherighttochargeyoufordocumentationrequestsintheamountof$5.00foreachcopyofasalesdraft,creditslip,orbillingstatement.However,wewillnotassessthischargeifyourrequestisbaseduponabillingerrorandyoufollowtheproceduresprovidedinthebillingrightssectionofthisAgreement.Inaddition,foreachAccountresearchrequestthatyoumakethatisnotcoveredbythebillingrightssectionofthisAgreement,wehavetherightto charge you a fee of $25.00 per hour of research.Cash Advance FeeForanycashadvance,youwillpayatransactionfeeequaltothegreaterof$10.00or3%oftheamountofthecashadvance, per cash advance.Alert and Text ServicesForanybalancetransfer,youwillpayatransactionfeeequaltothegreaterof$10.00or3%oftheamountofthecashadvance,perbalancetransfer.HuntingtonEmployeeswillpayatransactionfeeequalto2%oftheamountofthe balance transfer, per balance transfer.Governing LawTHISAGREEMENTISGOVERNEDBYOHIOLAWANDAPPLICABLEFEDERALLAW.THISISTHELAWWEARESPEAKINGOFWHENWEREFERTOATERMPERMITTEDORREQUIREDBYAPPLICABLE LAW.Youareresponsibleforanyandallcharges,including,butnotlimitedto,feesassociatedwithtextmessagingimposed by your communications service provider.7 of 13Credit 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.b.VoiceCreditCardTwo-WayFraudAlerts-InadditiontotheTextServicesindicatedabove,HNBprovidesTwo-WayFraudAlertsforyourVoiceCreditCard.MessagefrequencydependsontransactionactivityonyourVoiceaccount.Freemessagesfromshortcode70650.TextHELPto70650forhelp.YoumayoptoutatanytimebytextingSTOPto70650.BysendingSTOPto70650,youagreetooneadditionalconfirmationmessagestatingthatyou'veoptedoutandwillnolongerreceivemessagesfromHNBFraudAlerts.Getadditionalsupportorhelpbycalling1-800-530-6493.T-Mobileisnotresponsibleforanydelayedorundeliveredmessages.Messagesmaybedelayedornotdeliveredduetofactorsoutsideofthecarrier'scontrol.PARTICIPATINGWIRELESSCARRIERS:AT&T,MetroPCS,Sprint,T-Mobile®,andVerizonWireless.   a.HNBTextServicesandAlerts-Messageanddataratesmayapply.Suchchargesincludethosefromyourcommunicationsserviceprovider.Messagefrequencydependsonuserpreferences.TocanceltheTextServices,sendSTOPto446622atanytime.ForhelporinformationontheTextServices,sendHELPto446622. For additional assistance with the Text Services, contact customer service at 1-800-530-6493.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.TheTextServicesandAlertsareprovidedforyourconvenienceanddonotreplaceyourmonthlyaccountstatement(s),whicharetheofficialrecordofyouraccounts.Youunderstandandagreetheseservicesmaynotbeencryptedandmayincludepersonalorconfidentialinformationaboutyousuchasyouraccountactivityorthestatusofyouraccount.Messagesmaybedelayedorimpactedbyfactor(s)outsideofourcontrol.Wearenotresponsibleinthosecasesorforlossesordamagesarisingfromanydisclosureofaccountinformationtothirdparties,non-delivery,delayeddelivery,misdirecteddeliveryormishandlingof,orinaccuratecontentin,themessagessentthrough the Text Services and Alerts. Your Billing Rights; Keep This Notice For Future Use.  This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.In your letter, give us the following information:Huntington National Bank – Dispute Resolution P. O. Box 84082 Columbus, GA  31993-9261 What To Do If You Find A Mistake On Your StatementIf you think there is an error on your statement, write to us at:Accountinformation:Yournameandaccountnumber.•Dollaramount:Thedollaramountofthesuspectederror.•Descriptionofproblem:Ifyouthinkthereisanerroronyourbill,describewhatyoubelieveiswrongandwhy you believe it is a mistake.•8 of 13You 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 LetterAssignmentYourrightsunderthisAgreementcannotbetransferredbyyou,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. Change in TermsWemayadd,changeordeletethetermsofyourAccount(including,butnotlimitedto,AnnualPercentageRateandothersignificantchanges).Ifnoticeisrequired,itwillbemailedtoyouatleastforty-five(45)dayspriortotheeffectivedateofthechange.NoticemayalsoincludeastatementofyourrighttocanceltheAccount prior to the effective date of the change.9 of 13If 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:Neitheroftheseisnecessaryifyourpurchasewasbasedonanadvertisementwemailedtoyou,orifweownthecompanythatsoldyouthegoods or services.)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.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 P. O. Box 84082 Columbus, GA  31993-9261 If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:Arbitration AgreementARBITRATIONPROVISION.Arbitrationisamethodofresolvingdisputesinfrontofanarbitratorinsteadofhavingatrialincourtinfrontofajudgeorjury.An“arbitrator”isaneutralpersonfromoneoftheorganizationslistedbelowwhowilldecidethedispute.ThisArbitrationProvisiongovernswhenandhowdisputesbetweenyouanduswillbearbitratedifadisputearisesandyouorwechoosetoarbitratethedisputeinsteadofhavingacourtorjury resolve the dispute.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 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.•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.orwrittennoticeprovidingyouarighttorejectthisArbitrationProvision.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.  10 of 13(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. 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)calendardaysafterthedatewefirstprovideyouwithacreditCardAgreement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.11 of 13Arbitrationcosts.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.  (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. (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. 12 of 13(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.(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.(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.13 of 13®®Member FDIC.          and Huntington     are federally registered service marks of Huntington BancsharesIncorporated.  ©2017 Huntington Bancshares Incorporated.IFYOUWEREA“COVEREDBORROWER”UNDERTHEMLAATTHETIMETHEACCCOUNTWASESTABLISHED,(I)THEABOVEARBITRATIONPROVISIONANDJURYTRIALWAIVERPROVISION,(II)ANYWAIVEROFTHERIGHTTOLEGALRECOURSEUNDERANYOTHERWISEAPPLICABLEPROVISIONOFSTATEORFEDERALLAWAND(III)ANYOTHERPROVISIONOFTHISAGREEMENTTHATISNOTENFORCEABLEAGAINSTYOUUNDERTHEMLA,WILLNOTAPPLY TO YOU WHILE YOU REMAIN A “COVERED BORROWER.”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. July 2015What?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 DisclosuresAffiliates Providing this Notice·The Huntington National Bank (deposits, loans, trust, credit cards, and other banking services), also using the nameHuntington Mortgage Group (mortgage lending)·Huntington LT (vehicle leasing)·The Huntington Investment Company (investments)·Huntington Asset Advisors, Inc. (investment advisory services)·Huntington Insurance, Inc. (insurance)·HBI Title Services, Inc. (insurance)We 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 on Page 2).  We may alsodisclose that information, as well as other personal or privileged information subsequently collected, to third partiesoutside of Huntington without your authorization to the extent disclosure is permitted by law.  Ohio law provides aright to review 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, CB538, 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.  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, CB538, 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.©2017 Huntington Bancshares Incorporated.