Voice Credit Card Terms and Conditions

THE VOICE CREDIT CARD CARDHOLDER AGREEMENT (WHICH WILL BE INCLUDED IN THE CARD PACKAGE IF
YOU ARE APPROVED) INCLUDES AN ARBITRATION PROVISION AND A JURY TRIAL WAIVER. IF A DISPUTE
BETWEEN YOU AND US IS ARBITRATED, THE ARBITRATION PROVISION, UNLESS REJECTED BY YOU WILL
SUBSTANTIALLY AFFECT YOUR RIGHTS, INCLUDING YOUR RIGHT TO HAVE A COURT OR JURY TRIAL OR TO
BRING, JOIN IN OR PARTICIPATE IN CLASS PROCEEDINGS. IF THE DISPUTE IS NOT ARBITRATED, THE JURY
TRIAL WAIVER WILL ELIMINATE YOUR RIGHT TO A TRIAL BY JURY IN COURT. 

Interest Rates and Interest Charges

Rewards Option

Lower Rate Option

Annual Percentage Rate (APR)
for Purchases 

12.99% - 23.99%
Based on your creditworthiness

9.99% - 20.99% 
Based on your creditworthiness

APR for Balance Transfers

APR for Cash Advances

These APRs will vary with the market based on the Prime Rate.

1

0.00% Introductory APR for the first 12 billing
cycles following account opening on any balance
transfer made within the first 90 days following
account opening.   After that, your APR will be
at or between:

2

0.00% Introductory APR for the first 12 billing
cycles following account opening on any balance
transfer made within the first 90 days following
account opening.   After that, your APR will be
at or between:

2

12.99% - 23.99%

9.99% - 20.99% 

Based on your creditworthiness

Based on your creditworthiness

These APRs will vary with the market based on the Prime Rate.

1

23.99%
This APR will vary with the market based on the Prime Rate.

3

How to Avoid Paying Interest on
Purchases

Your due date is at least 21 days after the close of each billing cycle. We will not charge you
interest on purchases if you pay your entire balance by the due date each month. We will begin
charging 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 $1.00

For Credit Card Tips from the
Consumer Financial Protection
Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website
of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Annual Fee

Transactions Fees

• Balance Transfer

    •   Cash Advance

Penalty Fees

• Late Payment
    •   Returned Check

Fees

None

The greater of $10.00 or 3% of the amount of each Balance Transfer.
The greater of $10.00 or 3% of the amount of each Cash Advance

Up to $35
Up to $35

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your
account agreement for more details.

1 of 2

Form: RrCardSchumerBoxCustStatOAO (08/14)

Billing Rights:
agreement.

Information on your rights to dispute transactions and how to exercise those rights is provided in your account

1 For the Rewards Option, we add a margin of between 9.74% and 20.74% to the Prime Rate to determine the Purchase/Balance
Transfer APR. For the Lower Rate Option, we add a margin of between 6.74% and 17.74% to the Prime Rate to determine the
Purchase/Balance Transfer APR.
Loss of Introductory Rate: We may end your introductory APR and apply the post-introductory Purchase/Balance Transfer APR if
all or part of your required minimum monthly payment is more than 60 days late.

2

3

We add 20.74% to the Prime Rate to determine the Cash Advance APR.

If you transfer a balance at the introductory rate, any purchases you make with your card will be charged interest unless you pay the
entire balance (including any transferred balances) in full each month, by the payment due date.

This information is accurate as of 10/2014 and is subject to change after this date. For current information please contact Huntington
National Bank at PO Box 1558, Columbus, OH 43272 or call us at 1-800-480-BANK for any changes.

Variable APRs Based on Prime. If any APR is based on the U.S. Prime Rate (“Prime Rate”), the APR will equal the Prime Rate plus
the additional amount shown above. If the Prime Rate increases, it will cause the APR to increase. If the Prime Rate decreases, it will
cause the APR to decrease. For each billing period we use the Prime Rate published in The Wall Street Journal two business days
before the Statement Closing Date. If the Prime Rate causes an APR to change, we put the new APR into effect as of the first day of
the billing period for which we calculate the APR. We apply the new APR to any existing balances, subject to any promotional rate
that may apply. If The Wall Street Journal does not publish the Prime Rate, we will use a similar published rate.

Changes: We may add, change or delete the terms of your Account (including, but not limited to, Annual Percentage Rate and other
significant changes). If notice is required, it will be mailed to you at least forty-five (45) days prior to the effective date of the change.
Notice may also include a statement of your right to cancel the Account prior to the effective date of the change.

Application Terms: You hereby request a Huntington Credit Card. This application is subject to the approval of, and any credit will
be extended by, The Huntington National Bank (referred to as "we", "us", "our") 41 South High Street, Columbus, Ohio. You certify
that you have answered the questions in this application fully and truthfully, and that you have not omitted any material information. 

Obtaining Consumer Reports and Sharing Information: We may obtain credit or other consumer reports on you, check your credit
and verify with others information you provide in connection with this application. We may report our credit and other experience with
you to consumer reporting agencies and others who we determine have a legitimate need for the information.

The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that
credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission
administers compliance with this law.

®
Member FDIC.          and Huntington     are federally registered service marks of Huntington Bancshares Incorporated.
©2014 Huntington Bancshares Incorporated.

®

2 of 2

Voice Credit Card Cardholder Agreement 

Thank you for opening a Credit Card Account with The Huntington National Bank. This Agreement, and any future
changes we may make, is your contract with us.  It governs the use of your Card and Account.

Definitions

In this Agreement “you” , “your” and “yourself” mean each applicant or co-applicant for the Account, any person
responsible for paying the Account, and anyone You authorize to use, access or service the Account, 

“We,” “us,” “our,” and HNB mean The Huntington National Bank. 

Your Account

You agree to use your Account in accordance with the terms of this Agreement. You must pay us for all amounts
due on your Account, including any interest and fees. Your use of the Account or any payment on the Account
indicates your acceptance of the terms of this Agreement.  Your Account must only be used for lawful transactions.

Credit limit

We will advise you of the credit limit on your Account. A portion of your credit limit may be available for cash
advances. We may increase, decrease, restrict or cancel the credit limit or cash advance limit on your Account at
any time.  We are not obligated to allow your Account to go over its credit limit.

Transactions Exceeding Your Credit Limit

Each time you attempt a transaction which results in your applicable outstanding balance, plus authorizations,
exceeding your credit line, we may: (1) permit the transaction without raising your credit line; (2) permit the
transaction and treat the amount exceeding your credit limit as immediately due, or (3) decline the transaction. You
are responsible for the total balance on your Account, even if your balance exceeds your credit limit.

Authorized users

You may authorize others to use your Account. You may request additional Cards for authorized users. You must
pay us for all purchases and cash advances made by any authorized user or anyone else that you permit to use your
Account. You must pay us even if you did not intend to be responsible for those charges. You must notify us if you
want to remove an authorized user from your Account. You must also retrieve and destroy any and all Cards in
their possession and cancel all of their billing arrangements to the Account.

Card Use

Purchases

You may purchase or lease goods or services from any merchant that accepts your Card or Account. However, we
reserve the right not to honor Quasi Cash or Cash-Equivalent purchases (e.g., travelers checks, money orders,
gambling chips, and any other items that serve as cash or are convertible to cash). 

Checks

We may provide Balance Transfer Checks and/or Cash Advance Checks for you to use. You may not use either of
these to pay an amount owed to use under this Agreement or to pay any other Account you may have with us.

Balance transfers

From time to time, in our sole discretion, we may offer you the ability to transfer other balances to your Account.
We do not permit balance transfers from other Account or loans you may have with us.

1 of 13

Form: RrCardSchumerBoxCustStatOAO (CardHolderArbAgree) (06/14)

Cash advances

You may obtain Cash Advances on your Account. These advances may be made from automatic teller machines
(ATM), banks, or from Cash Advance Checks. However, we reserve the right not to honor ATM usage at casinos.
Balance transfer checks made payable to cash or yourself will be treated as a cash advance.

Overdraft advances

You may set up this Account to cover overdrafts on your checking Account. If you do, then the terms of this
Agreement and your Checking Account Agreement will apply. For purposes of this Agreement, these transactions
will be treated as Cash Advances, subject to the Cash Advance APR, except that there will be no associated
transaction fee. 

Automatic charges 

You may preauthorize reoccurring transactions on your Account. If your Account is suspended, terminated or if we
issue you a new credit Card number, you will need to contact any person(s) with whom you have authorized these
preauthorized reoccurring transactions to make sure they are not interrupted.

Promotions

From time to time we may make special offers related to your Account. These offers are subject to the terms of this
Agreement unless otherwise detailed on or with the promotional offer itself.

Foreign transactions and Exchange Rate

If you make a transaction in a foreign currency, the transaction will be converted by MasterCard International into a
U.S. dollar amount in accordance with the operating regulations or conversion procedures in effect at the time the
transaction is processed. The conversion rate in effect on the processing date might differ from the rate in effect on
the transaction or posting date. 

Authorization of Transactions 

We do not guarantee approval of transactions. We may deny any transactions for any reason at our discretion. We
are not liable for transactions that are not approved. We may limit the number of transactions approved in one day.
If we detect unusual or suspicious activity, we may suspend your credit privileges.

Illegal and Online Gambling Transactions

You agree not to use your Account for any transaction that is illegal where you live or where the transaction takes
place. You must find out if a transaction is legal before you make it. You also agree not to use your Account for any
Internet or online gambling transaction, even if it is legal. We may refuse to authorize any illegal, Internet or online
gambling transaction. If we do authorize the transaction, you agree to pay us for it unless an applicable law says you
may not.

Closing your Account

You may close your Account by notifying us in writing or over the phone. We may also close your Account or
suspend Account privileges at any time and for any reason. We may do this without prior notice to you. We also
have the right not to renew your Account upon its expiration. If you or we close your Account, you must still repay
the total balance in accordance with the terms of this Agreement.
If your Account is closed, you must return any
Card to us upon request.

2 of 13

Lost or Stolen Cards, Account Numbers, or Cash Convenience and Balance Transfer Checks

You must contact us if any Card, Account number, or check is lost or stolen. You must also notify us if you think
someone used or may use them without your permission. You may contact us by calling the telephone number on
the back of your Card or on your billing statement or by writing us at the address listed on your statement. When
you contact us, we may require you to provide information to help in our investigation. We may require you to
provide this information in writing. 

Paying your Account

Payment Instructions

You must follow the payment instructions on your billing statement. You must pay us in U. S. dollars. You can pay
us by check, money order or electronic payment that is drawn on and honored by a bank in the U.S. Do not send
cash. We will credit your payment the same day it is received as long as it is made in accordance with the
instructions on your billing statement. Payments containing restrictive words, conditions, limitations or special
instructions (including items marked “paid in full”) must be sent to a separate address indicated on your billing
statement.

Minimum Payments

You must pay us at least the minimum payment due by the payment due date each billing period. The Minimum
Payment Due each billing period will depend on your APRs and New Balance. 

a.      If All APRs are 23.49% or Lower: You must pay the greater of:

•

•

$10; or

2% of the New Balance rounded up or down to the nearest dollar plus (1) any unpaid Minimum Payments
Due from previous bills and (2) any amount of your New Balance that exceeds your credit limit and is not
already included as part of any unpaid Minimum Payments Due from previous bills.

However, if the New Balance is less than $10, you must pay the New Balance.

b.

If Any APR is Over 23.49%: If an APR greater than 23.49% applies at the end of any billing period, you must
pay $15 plus (1) any interest accrued for that billing period, (2) any Balance Transfer Fee, Expedited Payment
Fee, that has been assessed during that billing period, (3) any unpaid Minimum Payments Due from previous
bills and (4) any amount of your New Balance that exceeds your credit limit and is not already included as part
of any unpaid Minimum Payments Due from previous bills.

Interest-Free Period / Interest Charges

There is no period in which you can pay back a cash advance, any other transaction treated as a cash advance under
this Agreement, or a balance transfer to avoid incurring a Finance Charge. For a cash advance using a convenience
check, the date of the advance is the date the convenience check is presented to us or our agent for payment. For all
other cash advances, the date of the advance is the date you obtained the advance. For purchases using the Card,
there will be no Finance Charge imposed on your purchases in any billing period in which (i) there is no previous
balance or (ii) payments received and credits issued by the Payment Due Date equal or exceed the Previous
Balance. The Payment Due Date will be determined by us, but will be at least 21 days after the Statement Closing
Date shown on your last Statement. The number of days between your Statement Closing Date and your Payment
Due Date (the grace period) may vary from one billing period to another. If we do not receive a payment for the
New Balance in full by the Payment Due Date shown on your last Billing Statement, we will add a Finance Charge
to your Account. If we add a Finance Charge, we will begin to assess the charge on each purchase from the date of
purchase.

3 of 13

Payment Allocation

We reserve the right to apply payments equal to or less than the required minimum payment amount in a manner of
our choosing, which may result in balances subject to lower interest rates being paid prior to other balances. This
may result in higher interest charges. Any payment you make in excess of the required Minimum Payment Due will
be allocated to your Account as required by applicable law.

Credit Balances

We may reject and return any payment that creates a credit balance on your Account. Any credit balance we allow
will not be available until we confirm that your payment has been cleared. You may request a refund of credit
balances at any time. We may reduce the amount of any credit balance by any new transactions billed to your
Account.

Alternate Payment Methods

We may offer alternative payment methods, through a customer service representative, which would allow you to
make expedited payments to your Account over the telephone, through the internet or other payment system. We
will describe the terms for using these services before you use them. We may charge a fee for these services. You
do not have to use these alternative payment methods however, If you do choose to use an alternate payment
method, we will disclose the then current fee amount to you before you authorize your payment.

Average Daily Balance Method (Including New Purchases) 

We calculate separate Balances Subject to an Interest Rate for each type of transaction associated with your
Account.

Rate we charge

For each day in the billing period, we multiply the daily balance times the daily periodic rate to get your interest
charge for that day. The daily periodic rate is 1/365th of the annual percentage rate in effect for the billing period.
We add all the daily interest charges and round to the nearest penny, to get your total interest charges for that billing
period.

Average Daily Balance

a.

Ending Daily Balance. To get the average daily balance, we first determine the ending daily balance each
day. To do this:

•

•

•

We start with the ending daily balance from the previous day.

We then add to the balance:

o

o

Any interest charge from the prior day (known as compounding of interest) and

Any new transactions or other debits (including, if applicable, any transaction fees, other fees and
unpaid interest charges).

We then subtract from each balance, as applicable, the new day's payments and credits, and treat any net
credit balance as a zero balance.

b. Averaging Method. We then add together the ending daily balances for each day in the billing period. We
then divide the total for each transaction type by the number of days in that billing period. This gives us the
average daily balance.

4 of 13

When we add each transaction type to your balance

•

•

•

We add purchases, balance transfers and cash advances as of the date of the transaction.

We add cash advance checks or balance transfer checks as of the date they are present to us for payment.

We add fees either on the date of a related transaction, the date they are posted to your Account, or the last
day of the billing period, whichever we may choose.

The Balances Subject to Interest Rate for each type of transaction shown on your billing statement is the sum of the
daily balances for that type of transaction divided by the number of days in the billing period.

We may use mathematical formulas that produce equivalent results to calculate the Balance Subject to Interest Rate,
interest charges and related amounts.

Minimum Interest

We will charge you a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is
due.

How to Calculate Variable Rates

Variable rate APR’s are calculated by adding together the Prime Rate and a margin. If the Prime Rate increases, it
will cause the APR to increase. If the Prime Rate decreases, it will cause the APR to decrease. For each billing
period we use the Prime Rate published in The Wall Street Journal two business days before the Statement Closing
Date. If the Prime Rate causes an APR to change, we put the new APR into effect as of the first day of the billing
period for which we calculate the APR. We apply the new APR to any existing balances, subject to any promotional
rate that may apply. If The Wall Street Journal does not publish the Prime Rate, we will use a similar published rate.

Effect of APR Increases

If an APR increases, interest charges will increase.  Your minimum payment may increase as well.

Fees

Late Fee

We can charge you a late fee of up to $35.00, as allowed by law, if you do not pay us at least the Minimum Payment
Due for each billing period or if we receive your payment after the Payment Due Date shown on your Billing
Statement.

Return Check Fees/ Return Payment Fees

You agree to pay a fee up to $35.00 for each convenience check written against your Account which fails to clear
and is returned unsatisfied. We may post this fee to your Account each time a payment check or a convenience
check you issue is dishonored, even if we represent your check, and even if such check is paid upon re-presentment.
You also agree to pay a fee up to $35.00 for each convenience check written against your Account on which we stop
payment at your request.

Balance Transfer Fee

For any balance transfer, you will pay a transaction fee equal to the greater of $10.00 or 3% of the amount of the
cash advance, per balance transfer. Huntington Employees will pay a transaction fee equal to 2% of the amount of
the balance transfer, per balance transfer.

Cash Advance Fee

For any cash advance, you will pay a transaction fee equal to the greater of $10.00 or 3% of the amount of the cash
advance, per cash advance.

5 of 13

Research/Documentation Charges 

We have the right to charge you for documentation requests in the amount of $5.00 for each copy of a sales draft,
credit slip, or billing statement. However, we will not assess this charge if your request is based upon a billing error
and you follow the procedures provided in the billing rights section of this Agreement. In addition, for each Account
research request that you make that is not covered by the billing rights section of this Agreement, we have the right
to charge you a fee of $25.00 per hour of research.

Expedited Delivery Fee

A fee if you request and we agree to arrange for expedited delivery of any Card or Checks to you (for example, by
an overnight delivery service). We will disclose the amount of this fee at the time you request this service. If you
then confirm and we honor your request, we will charge the fee disclosed at the time of the request.

Annual Statement Fee

We may charge a fee of $15 to provide you with an annual summary statement showing your Account activity for
the calendar year.

Relationship Information

Communications

Until your Account is finally settled, you give direct and express consent to receive communications regarding your
Account to us, any servicers and any collectors of your Account, through various means such as 1) any cell,
landline, or text number that you provide, 2) any email address that you provide, 3) auto dialer systems, 4) recorded
messages, and other forms of communications. Further, you agree that any such communications are not unsolicited
for purposes of any state or federal law.

Telephone Monitoring

As part of our continuing effort to maintain a high quality of service to our customers, telephone communications
with you may be monitored and recorded. You agree that monitoring and/or recording may be done and that no
additional notice to you or additional approval from you is needed. Please inform all persons authorized to use this
Account, those acting on your behalf, or anyone making payments on this Account, of this provision.

Alert and Text Services

Some accounts include access to mobile text messaging related services (“Text Services”) and/or e-mail and mobile
text messaging alerts (“Alerts”). You agree that we may send mobile text messages to you through your
communication service provider, as your agent, using any telephone number or e-mail address or other delivery
location you have provided or we have in our records.

The Text Services and Alerts are provided for your convenience and do not replace your monthly account
statement(s), which are the official record of your accounts. You understand and agree these services may not be
encrypted and may include personal or confidential information about you such as your account activity or the status
of your account. Messages may be delayed or impacted by factor(s) outside of our control. We are not responsible in
those cases or for losses or damages arising from any disclosure of account
information to third parties,
non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, the messages sent
through the Text Services and Alerts.

You agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and
expenses (including reasonable attorneys' fees) arising from your provision of a phone number, e-mail address, or
other delivery location that is not your own or your violation of applicable federal, state or local law, regulation or
ordinance. Your obligation under this paragraph shall survive after your applicable Account is closed.

You are responsible for any and all charges, including, but not limited to, fees associated with text messaging

6 of 13

imposed by your communications service provider. Message and data rates may apply. Such charges include
those from your communications service provider. Message frequency depends on user preferences. To
cancel the Text Services, send STOP to 446622 at any time. For help or information on the Text Services,
send HELP to 446622. For additional assistance with the Text Services, contact customer service at
1-800-530-6493.

Credit Information

You authorize us to obtain reports from consumer reporting agencies in connection with your application and any
resulting Account, including for update, review, renewal, extension, or collection of amounts owed on the Account.
You also agree that we may furnish information about you and your Account to consumer reporting agencies and
others who are permitted by law to receive it. If you believe the Account information we reported to a consumer
reporting agency is inaccurate, you may write to us at the address provided on the credit report from the consumer
reporting agency. Your written dispute must provide sufficient information to locate the Account and why you
believe the information is inaccurate. If available, provide a copy of the section of the credit report showing the
Account information you are disputing.

Default

You will be in default if you fail to make any payment when due, exceed your credit limit, die, become a subject of
bankruptcy or insolvency proceedings, do not comply with any of the terms of this Agreement, or if you have
provided false information to obtain or maintain this Account. If you are in default, we may, in our sole discretion,
declare all amounts you owe to be immediately due and payable, prohibit any further transactions on your Account,
cancel the Cards, and revoke any privileges associated with the Card. In the event of default, you agree to destroy
and/or return all Cards to us or our designee upon demand. If you are in default, we may, in our sole discretion,
refuse to pay any of your convenience checks that are presented to us. If we decide to honor such checks, you will
owe us the amount of such checks under the terms of this Agreement.

Governing Law

THIS AGREEMENT IS GOVERNED BY OHIO LAW AND APPLICABLE FEDERAL LAW. THIS IS THE
LAW WE ARE SPEAKING OF WHEN WE REFER TO A TERM PERMITTED OR REQUIRED BY
APPLICABLE LAW.

Change in Terms

We may add, change or delete the terms of your Account (including, but not limited to, Annual Percentage
Rate and other significant changes). If notice is required, it will be mailed to you at least forty-five (45) days
prior to the effective date of the change. Notice may also include a statement of your right to cancel the
Account prior to the effective date of the change.

Assignment

Your rights under this Agreement cannot be transferred by you, by operation of law, or otherwise, but your
obligations shall be binding upon your estate or personal representatives. We may transfer or assign your Account,
and/or this Agreement, or any of our rights under this Agreement, to another person or entity at any time without
prior notice to you or your consent.

No Waiver of Rights

We can delay enforcing our rights under this Agreement without losing them. We can accept late payments, partial
payments or checks and money orders marked as being payment in full without losing any rights under this
Agreement.

Sharing of Information with MasterCard

You agree that we may provide your personal data to MasterCard, its Members, or their respective contractors for
the purpose of providing Emergency Cash Advances and Emergency Card Replacement Services. 

7 of 13

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.

What To Do If You Find A Mistake On Your Statement

If you think there is an error on your statement, write to us at:

Huntington National Bank – Dispute Resolution 
P. O. Box 84082 
Columbus, GA  31993-9261 

In your letter, give us the following information:

•
•
•

Account information: Your name and account number.
Dollar amount: The dollar amount of the suspected error.
Description of problem: If you think there is an error on your bill, describe what you believe is wrong and
why you believe it is a mistake.

You must contact us:

•
•

Within 60 days after the error appeared on your statement.
At least 3 business days before an automated payment is scheduled, if you want to stop payment on the
amount you think is wrong.

You must notify us of any potential errors in writing [or electronically]. You may call us, but if you do we are not
required to investigate any potential errors and you may have to pay the amount in question.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:

1.

2.

Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you
if we have already corrected the error.
Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe
the bill is correct.

While we investigate whether or not there has been an error:

•
•

•

•

We cannot try to collect the amount in question, or report you as delinquent on that amount.
The charge in question may remain on your statement, and we may continue to charge you interest on that
amount.
While you do not have to pay the amount in question, you are responsible for the remainder of your
balance.
We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

•

•

If we made a mistake: You will not have to pay the amount in question or any interest or other fees related
to that amount.
If we do not believe there was a mistake: You will have to pay the amount in question, along with
applicable interest and fees. We will send you a statement of the amount you owe and the date payment is
due. 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 that
you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are
questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let
those organizations know when the matter has been settled between us.

8 of 13

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 if
your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried
in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due
on the purchase.

To use this right, all of the following must be true:

1.

2.

3.

The purchase must have been made in your home state or within 100 miles of your current mailing
address, and the purchase price must have been more than $50. (Note: Neither of these are [Sic; should be
"is"] necessary if your purchase was based on an advertisement we mailed to you, or if we own the
company that sold you the goods or services.)
You must have used your credit card for the purchase. Purchases made with cash advances from an ATM
or with a check that accesses your credit card account do not qualify.
You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:

Huntington National Bank – Dispute Resolution 
P. O. Box 84082 
Columbus, GA  31993-9261 

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our
investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we
may report you as delinquent.

Arbitration Agreement

ARBITRATION PROVISION. Arbitration is a method of resolving disputes in front of an arbitrator instead of
having a trial in court in front of a judge or jury. An “arbitrator” is a neutral person from one of the organizations
listed below who will decide the dispute. This Arbitration Provision governs when and how disputes between you
and us will be arbitrated if a dispute arises and you or we choose to arbitrate the dispute instead of having a court or
jury resolve the dispute.

IF YOU DO NOT REJECT THIS
READ THIS ARBITRATION PROVISION CAREFULLY.
ARBITRATION PROVISION AS SET FORTH BELOW, IT WILL BE PART OF THIS AGREEMENT
AND WILL HAVE A SUBSTANTIAL IMPACT ON THE WAY YOU OR WE WILL RESOLVE ANY
CLAIM WHICH YOU OR WE HAVE AGAINST EACH OTHER NOW OR IN THE FUTURE. 

YOUR RIGHT TO REJECT: If you don’t want this Arbitration Provision to apply, you may reject it by
sending us a written Arbitration Rejection Notice which (a) states that you (or both or all of you, if more than
one) wish to reject the Arbitration Provision; (b) states your name, address and Account number; (c) is
signed by you and any other person who is rejecting the Arbitration Provision; and (d) is sent by certified
mail, return receipt requested, to [The Huntington National Bank, EA4W25 - Credit Card Arbitration, P.O
Box 1558, Columbus, Ohio 43272.] Upon receipt of this notice, we will credit your Account for the standard
cost of a certified letter. These are the only procedures you can use to reject the Arbitration Provision. An
Arbitration Rejection Notice is only effective if it is signed by you (all of you, if more than one) and if we
receive it within thirty (30) calendar days after the date we first provide you with a credit Card Agreement

9 of 13

or written notice providing you a right to reject this Arbitration Provision. Your rejection of this Arbitration
Provision will not affect any other provision of this Agreement or your ability to obtain credit. If you reject
this Arbitration Provision, that will not constitute a rejection of any prior arbitration provision between you
and us. Even if you previously rejected an arbitration provision between you and us, you will be bound by
this Arbitration Provision unless you reject it. PLEASE NOTE THAT THE JURY TRIAL WAIVER,
WHICH IS LISTED BELOW, IS NOT PART OF THIS ARBITRATION PROVISION. REJECTING THIS
ARBITRATION PROVISION WILL NOT ACT AS A REJECTION OF THE JURY TRIAL WAIVER.

(a) Parties Subject to Arbitration – Special Definitions: Solely as used in this Arbitration Provision (and not
elsewhere in this Agreement), the terms “we,” “us” and “our” mean (a) The Huntington National Bank (the
"Bank"), any parent, subsidiary or affiliate of the Bank and the employees, officers and directors of such companies
(collectively, the “Bank Parties”); and (b) any other person or company that provides any goods or services in
connection with this Agreement if you assert a Claim against such other person or company in connection with a
Claim you assert against any Bank Party. 

(b) What Claims are Covered: "Claim” means any claim, dispute or controversy between you and us (whether
preexisting, present or future) that in any way arises from or relates to this Agreement, your Account, the issuance
of any Card, any rewards program or any prior Agreement or Account. “Claim” includes disputes arising from
actions or omissions prior to the date any Card was issued to you, including the advertising related to, application
for or approval of the Account. “Claim” has the broadest possible meaning, and includes initial claims,
counterclaims, cross-claims, third-party claims, federal, state, local and administrative claims and claims which
arose before the effective date of this Arbitration Provision. It includes disputes based upon contract, tort, consumer
rights, fraud and other intentional torts, constitution, statute, regulation, ordinance, common law and equity and
claims for money damages and injunctive or declaratory relief.

(c) Excluded Claim or Proceeding. Notwithstanding the foregoing, “Claim” does not include any dispute about
the validity, scope or enforceability of this Arbitration Provision or any part thereof (including, without limitation,
the Class Action Waiver set forth below and this sentence); any such dispute shall be resolved by a court and not by
an arbitrator or administrator. However, any dispute about the validity or enforceability of the Agreement as a
whole is for the arbitrator, not a court, to decide. In addition, this Arbitration Provision will not apply to (1) any
individual action brought by you in small claims court or your state’s equivalent court, unless such action is
transferred, removed, or appealed to a different court; or (2) any Claims that are the subject of a class action filed in
court that is pending as of the effective date of this Arbitration Provision in which you are alleged to be a member of
the putative class for as long as such class action is pending. 

(d) Arbitration Procedures.

Electing arbitration. If you or we elect to arbitrate a Claim rather than have a court decide the Claim, the party
electing arbitration must notify the other party in writing. This notice can be given before or after the beginning of a
lawsuit or with respect to other Claims brought later in the lawsuit and can be given in papers filed in the lawsuit
(for example, a motion by the defendant to compel arbitration of claims asserted by the plaintiff in a lawsuit filed in
court). Otherwise, your notice must be sent to [The Huntington National Bank, Credit Card Arbitration, Attention:
Customer Service, P.O Box 1558, Columbus, Ohio 43272], and our notice must be sent to the most recent address
for you in our files. Any arbitration hearing that you attend will take place in a location reasonably convenient to
where you reside unless you and we agree otherwise. If a party files a lawsuit in court asserting Claim(s) that are
subject to arbitration and the other party files a motion to compel arbitration with the court which is granted, it will
be the responsibility of the party asserting the Claim(s) to select an arbitration administrator pursuant to the
paragraph below and start the arbitration proceeding in accordance with the administrator’s rules and procedures. 

10 of 13

Arbitration administrators and rules. The arbitration administrator will be: American Arbitration Association
(“AAA”), 1633 Broadway, 10th Floor, New York, NY 10019, www.adr.org, 1-800-778-7879; or JAMS, 620 Eighth
Avenue, 34th Floor, New York, NY 10018, www.jamsadr.com, 1-800-352-5267. You may contact
these
organizations directly if you have any questions about the way they conduct arbitrations or want to obtain a copy of
their rules and forms (which are also available on their websites). If the AAA and JAMS are unable or unwilling to
serve as administrator, the parties may agree upon another administrator or, if they are unable to agree, a court shall
select the administrator or arbitrator. No person or company may serve as arbitrator or administrator, without the
consent of all parties, if he, she or it adopts or has in place any formal or informal policy that is inconsistent with
and purports to override the terms of the Class Action Waiver in this Arbitration Provision.

The arbitrator. A single arbitrator will be appointed by the administrator and must be a practicing attorney with ten
or more years of experience or a retired judge.

in court,

What law the arbitrator will apply. The arbitrator will not be bound by judicial rules of procedure and evidence
that would apply in a court, or by state or local laws that relate to arbitration proceedings. The arbitrator will apply
the same statutes of limitation and privileges that a court would apply if the matter were pending in court. In
determining liability or awarding damages or other relief, the arbitrator will follow the applicable substantive law,
consistent with the Federal Arbitration Act ("FAA"), that would apply if the matter had been brought in court. The
arbitrator may award any damages or other relief or remedies that would apply under applicable law to an individual
action brought
limitation, punitive damages (which shall be governed by the
Constitutional standards employed by the courts) and injunctive, equitable and declaratory relief (but only in favor
of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s
individual claim). The arbitrator will have the authority to award fees and costs of attorneys, witnesses and experts
to the extent permitted by this Agreement, the administrator’s rules or applicable law. With respect to Claim(s)
asserted by you in an individual arbitration, we will pay your reasonable attorney, witness and expert fees and costs
if and to the extent you prevail, if applicable law requires us to or if we must bear such fees and costs in order for
this Arbitration Provision to be enforced. We will not ask you to pay or reimburse us for any of our attorney, expert
and witness fees in connection with the arbitration, regardless of which party prevails in the arbitration.

including, without

Arbitration costs. At your written request, we will pay all filing, hearing and/or other fees charged by the
administrator and arbitrator to you for Claim(s) asserted by you in an individual arbitration after you have paid an
amount equivalent to the fee, if any, for filing such Claim(s) in state or federal court (whichever is less) in the
judicial district in which you reside. (If you have already paid a filing fee for asserting the Claim(s) in court, you
will not be required to pay that amount again). In addition, the administrator may have a procedure whereby you
can seek a waiver of fees charged to you by the administrator and arbitrator. We will pay any fees or expenses that
we are required to pay by law or the administrator’s rules or that we are required to pay for this Arbitration
Provision to be enforced.

Right to discovery. In addition to the parties’ rights to obtain discovery pursuant to the arbitration rules of the
administrator, either party may submit a written request to the arbitrator to expand the scope of discovery normally
allowable under the arbitration rules of the administrator. The arbitrator shall have discretion to grant or deny that
request.

(e) Federal Arbitration Act. The parties agree and acknowledge that the Agreement evidences a transaction
involving interstate commerce and, therefore, a federal statute, the FAA (Title 9 of the United States Code), shall
govern the interpretation and enforcement of this Arbitration Provision and proceedings pursuant thereto. To the
extent state law is applicable under the FAA, the law of the state of Ohio shall apply.

11 of 13

(f) Class Action Waiver. Notwithstanding any other provision of the Agreement, if either you or we elect to
arbitrate a Claim, neither you nor we will have the right: (a) to participate in a class action, private attorney
general action or other representative action in court or in arbitration, either as a class representative or
class member; or (b) to join or consolidate Claims with claims of any other persons. No arbitrator shall have
authority to conduct any arbitration in violation of this provision or to issue any relief that applies to any
person or entity other than you and/or us individually. (Provided, however, that the Class Action Waiver
does not apply to any lawsuit or administrative proceeding filed against us by a state or federal government
agency even when such agency is seeking relief on behalf of a class of borrowers including you. This means
that we will not have the right to compel arbitration of any claim brought by such an agency). The parties
acknowledge that the Class Action Waiver is material and essential to the arbitration of any disputes between
them and is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided or
found unenforceable, then the parties’ Arbitration Provision (except for this sentence) shall be null and void
with respect to such proceeding, subject to the right to appeal the limitation or invalidation of the Class
Action Waiver. The parties acknowledge and agree that under no circumstances will a class action be
arbitrated.

(g) The Arbitrator’s Decision. At the timely request of either party, the arbitrator shall write a brief explanation of
the grounds for the decision. A judgment on the arbitrator’s decision (called the “award”) may be entered by any
court having jurisdiction.

(h) Effect of Arbitration Award; Appeal. The arbitrator's award shall be final and binding on all parties, except
for any right of appeal provided by the FAA. However, if the amount of the Claim exceeds $50,000, any party can,
within 14 days after the entry of the award by the arbitrator, appeal the award to a three-arbitrator panel
administered by the administrator. The panel shall reconsider anew any aspect of the initial award requested by the
appealing party. The decision of the panel shall be by majority vote. Unless the parties agree otherwise, and to the
extent feasible, the appeal will be conducted pursuant to or modeled after the JAMS Optional Appeal Procedure,
available at http://www.jamsadr.com/rules-optional-appeal-procedure. Reference in this Arbitration Provision to
“the arbitrator” shall mean the panel if an appeal of the arbitrator’s decision has been taken. The costs of such an
appeal will be borne in accordance with the subparagraph above, captioned “Arbitration costs.” Any final decision
of the appeal panel is subject to judicial review only as provided under the FAA. 

(i) Notice and Cure; Special Payment. Prior to initiating a Claim, you may send us a written Dispute Claim
Notice. In order for a Dispute Claim Notice to be valid and effective, it must: (a) state your name, address and
Account number; (b) be signed by you; (c) describe the basis of your Claim and the amount you would accept to
resolve the Claim; (d) state that you are exercising your rights under the “Notice and Cure” paragraph of the
Arbitration Provision; and (e) be sent to us by certified mail, return receipt requested, at [The Huntington National
Bank, Credit Card Arbitration, Attention: Customer Service, P.O Box 1558, Columbus, Ohio 43272.] This is the
sole and only method by which you can submit a Dispute Claim Notice. Upon receipt of a Dispute Claim Notice,
we will credit your Account for the standard cost of a certified letter. You must give us a reasonable opportunity,
not less than 30 days, to resolve the Claim. If, and only if, (i) you submit a Dispute Claim Notice in accordance
with this paragraph on your own behalf (and not on behalf of any other party); (ii) you cooperate with us by
promptly providing the information we reasonably request; (iii) we refuse to provide you with the relief you request
before an arbitrator is appointed; and (iv) the matter then proceeds to arbitration and the arbitrator subsequently
determines that you were entitled to such relief (or greater relief), you will be entitled to a minimum award of at
least $7,500 (not including any arbitration fees and attorneys’ fees and costs to which you will also be entitled). We
encourage you to address all Claims you have in a single Deposit Dispute Claim Notice and/or a single arbitration.
Accordingly, this $7,500 minimum award is a single award that applies to all Claims you have asserted or could
have asserted in the arbitration, and multiple awards of $7,500 are not contemplated.

12 of 13

(j) Rules of Interpretation: This Arbitration Provision shall survive (i) the termination or closing of your Account,
(ii) the termination of any relationship between us, including the termination of this Agreement, and (iii) any
bankruptcy of any party, to the extent consistent with applicable bankruptcy law. In the event of a conflict between
the provisions of this Arbitration Provision, on the one hand, and any applicable rules of the AAA or JAMS or other
administrator used or any other terms of this Agreement, on the other hand, the provisions of this Arbitration
Provision shall control.

(k) Severability. If any portion of this Arbitration Provision, other than the Class Action Waiver, is deemed invalid
or unenforceable, the remaining portions shall nevertheless remain in force. 

JURY TRIAL WAIVER. TO THE EXTENT PERMITTED BY APPLICABLE LAW, IF A DISPUTE IS
RESOLVED IN COURT RATHER THAN ARBITRATION, YOU AND WE HEREBY KNOWINGLY,
VOLUNTARILY, INTENTIONALLY AND IRREVOCABLY WAIVE ANY RIGHT TO A TRIAL BY
JURY IN RESPECT TO ANY LITIGATION BASED UPON OR ARISING OUT OF THIS AGREEMENT,
RELATING TO YOUR ACCOUNT, OR ANY OTHER DISPUTE OR CONTROVERSY BETWEEN YOU
AND US.

®

®

Member FDIC.          and Huntington     are federally registered service marks of Huntington Bancshares
Incorporated.
©2014 Huntington Bancshares Incorporated.

13 of 13